Home > Slovenian Savings and Loan Association of Franklin-Conemaugh > Performance and Condition Ratios
Slovenian Savings and Loan Association of Franklin-Conemaugh, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4349% | 4,417 |
| Cost of funding earning assets | 1.2817% | 2,571 |
| Net interest margin | 2.1532% | 4,345 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.3139% | 2,814 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.0876% | 4,263 |
| Return on assets (ROA) | 0.0894% | 4,288 |
| Pretax return on assets | 0.0894% | 4,283 |
| Return on Equity (ROE) | 1.4600% | 4,216 |
| Retained earnings to average equity (ytd only) | 1.4601% | 3,721 |
| Net charge-offs to loans | 0.0152% | 2,093 |
| Credit loss provision to net charge-offs | 75.0000% | 2,051 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 2,265 |
| Efficiency ratio | 96.0648% | 260 |
| Assets per employee ($millions) | 5.4785% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1675% | 4,450 |
| Loan loss allowance to noncurrent loans | 18.2365% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 940 |
| Noncurrent loans to loans | 0.9188% | 813 |
| Net loans and leases to total assets | 63.8500% | 2,477 |
| Net loans and leases to deposits | 71.3920% | 2,791 |
| Net loans and leases to core deposits | 77.0126% | 2,916 |
| Total domestic deposits to total assets | 89.4400% | 933 |
| Equity capital to assets | 6.3603% | 4,156 |
| Core capital (leverage) ratio | 11.0285% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $166,690,800 | 3,215 |
| Average earning assets | $156,047,200 | 3,200 |
| Average equity | $10,205,000 | 3,698 |
| Average total loans | $105,142,600 | 3,122 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 4,419 |
| Cost of funding earning assets | 1.1723% | 2,521 |
| Net interest margin | 2.2211% | 4,341 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3113% | 2,754 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.1069% | 4,313 |
| Return on assets (ROA) | 0.1069% | 4,333 |
| Pretax return on assets | 0.1173% | 4,332 |
| Return on Equity (ROE) | 1.7600% | 4,229 |
| Retained earnings to average equity (ytd only) | 1.7635% | 3,778 |
| Net charge-offs to loans | 0.0153% | 1,846 |
| Credit loss provision to net charge-offs | 333.3333% | 822 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,962 |
| Efficiency ratio | 93.9255% | 268 |
| Assets per employee ($millions) | 5.4435% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1977% | 4,465 |
| Loan loss allowance to noncurrent loans | 22.6695% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 1,041 |
| Noncurrent loans to loans | 0.8719% | 953 |
| Net loans and leases to total assets | 64.0300% | 2,446 |
| Net loans and leases to deposits | 70.5135% | 2,807 |
| Net loans and leases to core deposits | 75.8476% | 2,875 |
| Total domestic deposits to total assets | 90.8100% | 715 |
| Equity capital to assets | 5.5900% | 4,113 |
| Core capital (leverage) ratio | 11.0277% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $165,905,000 | 3,235 |
| Average earning assets | $155,355,250 | 3,213 |
| Average equity | $10,055,750 | 3,719 |
| Average total loans | $104,272,000 | 3,134 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 4,441 |
| Cost of funding earning assets | 1.0603% | 2,415 |
| Net interest margin | 2.2809% | 4,375 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.3194% | 2,745 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.1613% | 4,323 |
| Return on assets (ROA) | 0.1613% | 4,349 |
| Pretax return on assets | 0.1807% | 4,341 |
| Return on Equity (ROE) | 2.5900% | 4,206 |
| Retained earnings to average equity (ytd only) | 2.5918% | 3,579 |
| Net charge-offs to loans | 0.0214% | 1,456 |
| Credit loss provision to net charge-offs | -136.3636% | 4,552 |
| Earnings coverage of net charge-offs (x) | 12.1818% | 1,946 |
| Efficiency ratio | 93.4538% | 271 |
| Assets per employee ($millions) | 5.3509% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1527% | 4,506 |
| Loan loss allowance to noncurrent loans | 19.1617% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 1,080 |
| Noncurrent loans to loans | 0.7967% | 955 |
| Net loans and leases to total assets | 63.0900% | 2,473 |
| Net loans and leases to deposits | 67.8338% | 2,926 |
| Net loans and leases to core deposits | 72.9028% | 2,968 |
| Total domestic deposits to total assets | 93.0100% | 255 |
| Equity capital to assets | 6.3685% | 4,049 |
| Core capital (leverage) ratio | 11.1354% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $164,957,667 | 3,248 |
| Average earning assets | $154,675,667 | 3,235 |
| Average equity | $10,263,333 | 3,715 |
| Average total loans | $102,939,000 | 3,141 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2808% | 4,447 |
| Cost of funding earning assets | 0.9640% | 2,171 |
| Net interest margin | 2.3168% | 4,439 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.3538% | 2,656 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 0.1848% | 4,369 |
| Return on assets (ROA) | 0.1848% | 4,339 |
| Pretax return on assets | 0.2067% | 4,336 |
| Return on Equity (ROE) | 3.0100% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.0060% | 3,502 |
| Net charge-offs to loans | 0.0314% | 1,084 |
| Credit loss provision to net charge-offs | -250.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 1,733 |
| Efficiency ratio | 93.7076% | 268 |
| Assets per employee ($millions) | 5.3767% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1539% | 4,566 |
| Loan loss allowance to noncurrent loans | 24.0854% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,313 |
| Noncurrent loans to loans | 0.6390% | 1,179 |
| Net loans and leases to total assets | 61.5000% | 2,511 |
| Net loans and leases to deposits | 66.6682% | 2,877 |
| Net loans and leases to core deposits | 71.2749% | 2,865 |
| Total domestic deposits to total assets | 92.2500% | 458 |
| Equity capital to assets | 6.5738% | 4,007 |
| Core capital (leverage) ratio | 11.1854% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $164,497,000 | 3,298 |
| Average earning assets | $154,351,000 | 3,273 |
| Average equity | $10,113,000 | 3,773 |
| Average total loans | $102,002,500 | 3,188 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0512% | 4,074 |
| Cost of funding earning assets | 0.6481% | 720 |
| Net interest margin | 2.4030% | 4,356 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.2542% | 2,880 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.2833% | 4,378 |
| Return on assets (ROA) | 0.2828% | 4,355 |
| Pretax return on assets | 0.3234% | 4,360 |
| Return on Equity (ROE) | 3.6900% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.6877% | 3,502 |
| Net charge-offs to loans | 0.0094% | 2,024 |
| Credit loss provision to net charge-offs | 155.5556% | 1,276 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 1,255 |
| Efficiency ratio | 87.1398% | 385 |
| Assets per employee ($millions) | 5.2360% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 4,434 |
| Loan loss allowance to noncurrent loans | 45.9361% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 732 |
| Noncurrent loans to loans | 1.0805% | 665 |
| Net loans and leases to total assets | 62.1200% | 2,425 |
| Net loans and leases to deposits | 66.2194% | 2,882 |
| Net loans and leases to core deposits | 69.7815% | 2,891 |
| Total domestic deposits to total assets | 93.8100% | 263 |
| Equity capital to assets | 5.7104% | 4,179 |
| Core capital (leverage) ratio | 11.1544% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $162,317,200 | 3,330 |
| Average earning assets | $153,056,800 | 3,295 |
| Average equity | $12,446,800 | 3,624 |
| Average total loans | $95,381,200 | 3,212 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9760% | 3,928 |
| Cost of funding earning assets | 0.6053% | 421 |
| Net interest margin | 2.3707% | 4,356 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2548% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2783% | 4,403 |
| Return on assets (ROA) | 0.2768% | 4,362 |
| Pretax return on assets | 0.3097% | 4,366 |
| Return on Equity (ROE) | 3.3900% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.3934% | 3,670 |
| Net charge-offs to loans | 0.0099% | 1,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 54.1429% | 1,241 |
| Efficiency ratio | 87.8681% | 388 |
| Assets per employee ($millions) | 5.2115% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4974% | 4,476 |
| Loan loss allowance to noncurrent loans | 49.2477% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 860 |
| Noncurrent loans to loans | 1.0099% | 760 |
| Net loans and leases to total assets | 60.8000% | 2,423 |
| Net loans and leases to deposits | 66.3472% | 2,689 |
| Net loans and leases to core deposits | 68.9655% | 2,725 |
| Total domestic deposits to total assets | 91.6400% | 996 |
| Equity capital to assets | 6.1551% | 3,899 |
| Core capital (leverage) ratio | 10.9975% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $162,317,250 | 3,353 |
| Average earning assets | $153,311,000 | 3,318 |
| Average equity | $13,241,250 | 3,592 |
| Average total loans | $93,892,000 | 3,248 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9081% | 3,756 |
| Cost of funding earning assets | 0.5858% | 309 |
| Net interest margin | 2.3223% | 4,312 |
| Noninterest income to average assets | 0.3186% | 3,264 |
| Noninterest expense to average assets | 2.2403% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2507% | 4,362 |
| Return on assets (ROA) | 0.2485% | 4,325 |
| Pretax return on assets | 0.2756% | 4,326 |
| Return on Equity (ROE) | 2.8172% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.8172% | 3,504 |
| Net charge-offs to loans | -0.0065% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9595% | 456 |
| Assets per employee ($millions) | 5.0970% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5313% | 4,520 |
| Loan loss allowance to noncurrent loans | 95.0664% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 1,664 |
| Noncurrent loans to loans | 0.5589% | 1,501 |
| Net loans and leases to total assets | 59.3604% | 2,400 |
| Net loans and leases to deposits | 64.1802% | 2,701 |
| Net loans and leases to core deposits | 67.2303% | 2,720 |
| Total domestic deposits to total assets | 92.4902% | 659 |
| Equity capital to assets | 7.2402% | 3,639 |
| Core capital (leverage) ratio | 11.1358% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,571,000 | 3,387 |
| Average earning assets | $153,984,000 | 3,357 |
| Average equity | $14,340,333 | 3,556 |
| Average total loans | $92,282,667 | 3,296 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 3,701 |
| Cost of funding earning assets | 0.5970% | 267 |
| Net interest margin | 2.2273% | 4,317 |
| Noninterest income to average assets | 0.3009% | 3,312 |
| Noninterest expense to average assets | 2.2396% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1698% | 4,377 |
| Return on assets (ROA) | 0.1698% | 4,346 |
| Pretax return on assets | 0.1796% | 4,345 |
| Return on Equity (ROE) | 1.7732% | 4,294 |
| Retained earnings to average equity (ytd only) | 1.7732% | 3,609 |
| Net charge-offs to loans | 0.0131% | 1,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,207 |
| Efficiency ratio | 92.5777% | 440 |
| Assets per employee ($millions) | 5.2688% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5383% | 4,552 |
| Loan loss allowance to noncurrent loans | 86.9947% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 1,715 |
| Noncurrent loans to loans | 0.6188% | 1,514 |
| Net loans and leases to total assets | 55.9966% | 2,524 |
| Net loans and leases to deposits | 61.5464% | 2,753 |
| Net loans and leases to core deposits | 65.2426% | 2,697 |
| Total domestic deposits to total assets | 90.9828% | 1,046 |
| Equity capital to assets | 8.7374% | 2,943 |
| Core capital (leverage) ratio | 10.5738% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,853,500 | 3,382 |
| Average earning assets | $156,780,000 | 3,353 |
| Average equity | $15,790,500 | 3,490 |
| Average total loans | $91,277,000 | 3,312 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8335% | 4,155 |
| Cost of funding earning assets | 0.7566% | 254 |
| Net interest margin | 2.0768% | 4,555 |
| Noninterest income to average assets | 0.3061% | 3,576 |
| Noninterest expense to average assets | 2.1137% | 3,357 |
| Loan and lease loss provision to assets | 0.0042% | 2,989 |
| Net operating income to assets | 0.1724% | 4,561 |
| Return on assets (ROA) | 0.1676% | 4,580 |
| Pretax return on assets | 0.1676% | 4,594 |
| Return on Equity (ROE) | 1.6163% | 4,543 |
| Retained earnings to average equity (ytd only) | 1.6163% | 4,087 |
| Net charge-offs to loans | -0.0246% | 4,051 |
| Credit loss provision to net charge-offs | -33.3333% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2874% | 263 |
| Assets per employee ($millions) | 5.3669% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 4,583 |
| Loan loss allowance to noncurrent loans | 65.9603% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 1,455 |
| Noncurrent loans to loans | 0.8334% | 1,218 |
| Net loans and leases to total assets | 54.1551% | 2,829 |
| Net loans and leases to deposits | 60.6085% | 3,024 |
| Net loans and leases to core deposits | 63.7682% | 3,000 |
| Total domestic deposits to total assets | 89.3523% | 1,324 |
| Equity capital to assets | 10.4043% | 2,260 |
| Core capital (leverage) ratio | 10.4952% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,304,000 | 3,341 |
| Average earning assets | $157,933,400 | 3,299 |
| Average equity | $17,138,400 | 3,451 |
| Average total loans | $85,212,000 | 3,400 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8209% | 4,277 |
| Cost of funding earning assets | 0.7805% | 264 |
| Net interest margin | 2.0404% | 4,658 |
| Noninterest income to average assets | 0.3102% | 3,572 |
| Noninterest expense to average assets | 2.1150% | 3,317 |
| Loan and lease loss provision to assets | 0.0055% | 2,868 |
| Net operating income to assets | 0.1390% | 4,668 |
| Return on assets (ROA) | 0.1325% | 4,693 |
| Pretax return on assets | 0.1325% | 4,700 |
| Return on Equity (ROE) | 1.2791% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.2791% | 4,356 |
| Net charge-offs to loans | -0.0286% | 4,112 |
| Credit loss provision to net charge-offs | -38.8889% | 3,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6003% | 237 |
| Assets per employee ($millions) | 5.4300% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 4,654 |
| Loan loss allowance to noncurrent loans | 61.3861% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 1,583 |
| Noncurrent loans to loans | 0.9239% | 1,243 |
| Net loans and leases to total assets | 51.6583% | 3,229 |
| Net loans and leases to deposits | 57.8302% | 3,423 |
| Net loans and leases to core deposits | 61.7755% | 3,342 |
| Total domestic deposits to total assets | 89.3276% | 1,108 |
| Equity capital to assets | 10.3617% | 2,561 |
| Core capital (leverage) ratio | 10.3111% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,036,500 | 3,380 |
| Average earning assets | $157,677,250 | 3,333 |
| Average equity | $17,095,500 | 3,501 |
| Average total loans | $83,865,500 | 3,463 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7875% | 4,359 |
| Cost of funding earning assets | 0.7993% | 294 |
| Net interest margin | 1.9881% | 4,715 |
| Noninterest income to average assets | 0.3074% | 3,590 |
| Noninterest expense to average assets | 2.1349% | 3,283 |
| Loan and lease loss provision to assets | 0.0085% | 2,749 |
| Net operating income to assets | 0.0634% | 4,742 |
| Return on assets (ROA) | 0.0573% | 4,755 |
| Pretax return on assets | 0.0573% | 4,756 |
| Return on Equity (ROE) | 0.5536% | 4,745 |
| Retained earnings to average equity (ytd only) | 0.5536% | 4,422 |
| Net charge-offs to loans | -0.0194% | 3,981 |
| Credit loss provision to net charge-offs | -87.5000% | 3,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7385% | 205 |
| Assets per employee ($millions) | 5.4246% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5768% | 4,679 |
| Loan loss allowance to noncurrent loans | 48.2107% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 1,400 |
| Noncurrent loans to loans | 1.1965% | 1,004 |
| Net loans and leases to total assets | 49.7098% | 3,580 |
| Net loans and leases to deposits | 55.5587% | 3,746 |
| Net loans and leases to core deposits | 58.4252% | 3,734 |
| Total domestic deposits to total assets | 89.4727% | 1,043 |
| Equity capital to assets | 10.2199% | 2,649 |
| Core capital (leverage) ratio | 10.3817% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,938,333 | 3,398 |
| Average earning assets | $156,630,000 | 3,345 |
| Average equity | $16,980,000 | 3,513 |
| Average total loans | $82,669,667 | 3,502 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6968% | 4,483 |
| Cost of funding earning assets | 0.8127% | 326 |
| Net interest margin | 1.8841% | 4,777 |
| Noninterest income to average assets | 0.3312% | 3,445 |
| Noninterest expense to average assets | 2.1554% | 3,250 |
| Loan and lease loss provision to assets | 0.0173% | 2,552 |
| Net operating income to assets | -0.0420% | 4,786 |
| Return on assets (ROA) | -0.0470% | 4,795 |
| Pretax return on assets | -0.0470% | 4,797 |
| Return on Equity (ROE) | -0.4503% | 4,798 |
| Retained earnings to average equity (ytd only) | -0.4503% | 4,405 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1601% | 180 |
| Assets per employee ($millions) | 5.3036% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 4,706 |
| Loan loss allowance to noncurrent loans | 58.5276% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 1,904 |
| Noncurrent loans to loans | 0.9911% | 1,356 |
| Net loans and leases to total assets | 49.7248% | 3,652 |
| Net loans and leases to deposits | 55.5322% | 3,830 |
| Net loans and leases to core deposits | 58.5442% | 3,800 |
| Total domestic deposits to total assets | 89.5422% | 1,050 |
| Equity capital to assets | 10.0965% | 2,615 |
| Core capital (leverage) ratio | 10.6705% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,826,500 | 3,414 |
| Average earning assets | $154,555,000 | 3,369 |
| Average equity | $16,877,000 | 3,523 |
| Average total loans | $81,965,500 | 3,525 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9125% | 4,699 |
| Cost of funding earning assets | 0.9607% | 691 |
| Net interest margin | 1.9519% | 4,847 |
| Noninterest income to average assets | 0.3535% | 3,351 |
| Noninterest expense to average assets | 2.2450% | 3,557 |
| Loan and lease loss provision to assets | 0.0344% | 3,973 |
| Net operating income to assets | 0.0068% | 4,730 |
| Return on assets (ROA) | 0.0078% | 4,766 |
| Pretax return on assets | -0.0597% | 4,785 |
| Return on Equity (ROE) | 0.0713% | 4,765 |
| Retained earnings to average equity (ytd only) | 0.0713% | 4,497 |
| Net charge-offs to loans | 0.0273% | 2,486 |
| Credit loss provision to net charge-offs | 240.9091% | 1,972 |
| Earnings coverage of net charge-offs (x) | -1.8636% | 3,358 |
| Efficiency ratio | 101.1988% | 160 |
| Assets per employee ($millions) | 5.1368% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 4,730 |
| Loan loss allowance to noncurrent loans | 41.1559% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 1,451 |
| Noncurrent loans to loans | 1.3978% | 971 |
| Net loans and leases to total assets | 51.0111% | 3,746 |
| Net loans and leases to deposits | 57.1889% | 3,932 |
| Net loans and leases to core deposits | 60.5480% | 3,911 |
| Total domestic deposits to total assets | 89.1974% | 898 |
| Equity capital to assets | 10.7724% | 2,455 |
| Core capital (leverage) ratio | 11.0005% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,163,600 | 3,352 |
| Average earning assets | $147,294,200 | 3,295 |
| Average equity | $16,827,000 | 3,466 |
| Average total loans | $80,524,800 | 3,545 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0272% | 4,718 |
| Cost of funding earning assets | 0.9926% | 779 |
| Net interest margin | 2.0346% | 4,878 |
| Noninterest income to average assets | 0.3514% | 3,352 |
| Noninterest expense to average assets | 2.3144% | 3,383 |
| Loan and lease loss provision to assets | 0.0392% | 3,857 |
| Net operating income to assets | -0.0457% | 4,791 |
| Return on assets (ROA) | -0.0471% | 4,808 |
| Pretax return on assets | -0.0610% | 4,806 |
| Return on Equity (ROE) | -0.4300% | 4,812 |
| Retained earnings to average equity (ytd only) | -0.4300% | 4,545 |
| Net charge-offs to loans | 0.0332% | 2,163 |
| Credit loss provision to net charge-offs | 225.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | -1.1500% | 3,157 |
| Efficiency ratio | 100.8742% | 166 |
| Assets per employee ($millions) | 5.0277% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 4,769 |
| Loan loss allowance to noncurrent loans | 49.2569% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 1,917 |
| Noncurrent loans to loans | 1.1469% | 1,321 |
| Net loans and leases to total assets | 52.3989% | 3,938 |
| Net loans and leases to deposits | 58.7902% | 4,129 |
| Net loans and leases to core deposits | 62.1866% | 4,092 |
| Total domestic deposits to total assets | 89.1287% | 713 |
| Equity capital to assets | 10.7301% | 2,599 |
| Core capital (leverage) ratio | 11.0252% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,894,500 | 3,351 |
| Average earning assets | $146,006,250 | 3,292 |
| Average equity | $16,745,250 | 3,473 |
| Average total loans | $80,231,000 | 3,572 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1569% | 4,749 |
| Cost of funding earning assets | 1.0371% | 880 |
| Net interest margin | 2.1198% | 4,914 |
| Noninterest income to average assets | 0.3568% | 3,339 |
| Noninterest expense to average assets | 2.3765% | 3,319 |
| Loan and lease loss provision to assets | 0.0395% | 3,784 |
| Net operating income to assets | -0.0137% | 4,788 |
| Return on assets (ROA) | -0.0105% | 4,799 |
| Pretax return on assets | -0.0316% | 4,802 |
| Return on Equity (ROE) | -0.0955% | 4,800 |
| Retained earnings to average equity (ytd only) | -0.0955% | 4,322 |
| Net charge-offs to loans | 0.0402% | 1,942 |
| Credit loss provision to net charge-offs | 187.5000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 0.1875% | 2,935 |
| Efficiency ratio | 99.8341% | 187 |
| Assets per employee ($millions) | 5.0173% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 4,768 |
| Loan loss allowance to noncurrent loans | 60.4806% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,394 |
| Noncurrent loans to loans | 0.9511% | 1,626 |
| Net loans and leases to total assets | 50.3417% | 4,147 |
| Net loans and leases to deposits | 56.5225% | 4,275 |
| Net loans and leases to core deposits | 59.8007% | 4,271 |
| Total domestic deposits to total assets | 89.0650% | 720 |
| Equity capital to assets | 10.7826% | 2,502 |
| Core capital (leverage) ratio | 11.1613% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,906,000 | 3,339 |
| Average earning assets | $145,016,333 | 3,279 |
| Average equity | $16,752,333 | 3,483 |
| Average total loans | $79,597,000 | 3,582 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2403% | 4,850 |
| Cost of funding earning assets | 1.0950% | 1,061 |
| Net interest margin | 2.1453% | 4,980 |
| Noninterest income to average assets | 0.2079% | 4,302 |
| Noninterest expense to average assets | 2.4172% | 3,501 |
| Loan and lease loss provision to assets | 0.0400% | 3,273 |
| Net operating income to assets | -0.2025% | 4,852 |
| Return on assets (ROA) | -0.2025% | 4,827 |
| Pretax return on assets | -0.2025% | 4,812 |
| Return on Equity (ROE) | -1.8160% | 4,830 |
| Retained earnings to average equity (ytd only) | -1.8160% | 4,230 |
| Net charge-offs to loans | 0.0050% | 2,399 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | -61.0000% | 2,559 |
| Efficiency ratio | 107.2104% | 160 |
| Assets per employee ($millions) | 4.8577% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5671% | 4,808 |
| Loan loss allowance to noncurrent loans | 48.1915% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 2,137 |
| Noncurrent loans to loans | 1.1767% | 1,401 |
| Net loans and leases to total assets | 52.7469% | 4,074 |
| Net loans and leases to deposits | 59.4477% | 4,218 |
| Net loans and leases to core deposits | 62.9975% | 4,233 |
| Total domestic deposits to total assets | 88.7283% | 796 |
| Equity capital to assets | 11.0891% | 2,784 |
| Core capital (leverage) ratio | 11.3862% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,090,500 | 3,317 |
| Average earning assets | $143,195,000 | 3,263 |
| Average equity | $16,740,500 | 3,494 |
| Average total loans | $80,019,000 | 3,581 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 4,863 |
| Cost of funding earning assets | 1.0772% | 1,412 |
| Net interest margin | 2.4129% | 5,008 |
| Noninterest income to average assets | 0.3275% | 3,737 |
| Noninterest expense to average assets | 2.3130% | 3,915 |
| Loan and lease loss provision to assets | 0.0406% | 3,200 |
| Net operating income to assets | 0.2566% | 4,789 |
| Return on assets (ROA) | 0.2566% | 4,814 |
| Pretax return on assets | 0.2731% | 4,839 |
| Return on Equity (ROE) | 2.2634% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.2634% | 3,883 |
| Net charge-offs to loans | 0.0673% | 2,128 |
| Credit loss provision to net charge-offs | 111.3208% | 2,245 |
| Earnings coverage of net charge-offs (x) | 8.6038% | 2,756 |
| Efficiency ratio | 88.0566% | 436 |
| Assets per employee ($millions) | 4.8255% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5477% | 4,822 |
| Loan loss allowance to noncurrent loans | 44.3434% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 1,930 |
| Noncurrent loans to loans | 1.2351% | 1,212 |
| Net loans and leases to total assets | 53.2883% | 4,130 |
| Net loans and leases to deposits | 60.1133% | 4,284 |
| Net loans and leases to core deposits | 63.4472% | 4,306 |
| Total domestic deposits to total assets | 88.6465% | 819 |
| Equity capital to assets | 11.2185% | 2,796 |
| Core capital (leverage) ratio | 11.6613% | 1,989 |
| Tier 1 risk-based capital ratio | 18.4727% | 1,638 |
| Total risk-based capital ratio | 18.9832% | 1,784 |
| Memoranda: | ||
| Average total assets | $145,352,200 | 3,360 |
| Average earning assets | $138,505,200 | 3,301 |
| Average equity | $16,479,800 | 3,498 |
| Average total loans | $78,782,400 | 3,622 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 4,943 |
| Cost of funding earning assets | 1.0556% | 1,518 |
| Net interest margin | 2.4663% | 5,082 |
| Noninterest income to average assets | 0.3400% | 3,693 |
| Noninterest expense to average assets | 2.3424% | 3,841 |
| Loan and lease loss provision to assets | 0.0277% | 3,350 |
| Net operating income to assets | 0.2929% | 4,850 |
| Return on assets (ROA) | 0.2929% | 4,869 |
| Pretax return on assets | 0.3188% | 4,885 |
| Return on Equity (ROE) | 2.5765% | 4,828 |
| Retained earnings to average equity (ytd only) | 2.5765% | 4,059 |
| Net charge-offs to loans | 0.0765% | 1,732 |
| Credit loss provision to net charge-offs | 66.6667% | 2,651 |
| Earnings coverage of net charge-offs (x) | 8.3332% | 2,667 |
| Efficiency ratio | 87.1134% | 447 |
| Assets per employee ($millions) | 4.7189% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5215% | 4,942 |
| Loan loss allowance to noncurrent loans | 65.5172% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 2,775 |
| Noncurrent loans to loans | 0.7960% | 1,984 |
| Net loans and leases to total assets | 54.5062% | 4,135 |
| Net loans and leases to deposits | 61.6629% | 4,309 |
| Net loans and leases to core deposits | 65.0356% | 4,324 |
| Total domestic deposits to total assets | 88.3940% | 877 |
| Equity capital to assets | 11.3299% | 2,815 |
| Core capital (leverage) ratio | 11.6610% | 2,108 |
| Tier 1 risk-based capital ratio | 18.7683% | 1,619 |
| Total risk-based capital ratio | 19.2663% | 1,762 |
| Memoranda: | ||
| Average total assets | $144,292,250 | 3,408 |
| Average earning assets | $137,420,750 | 3,351 |
| Average equity | $16,404,250 | 3,530 |
| Average total loans | $78,439,500 | 3,667 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 5,012 |
| Cost of funding earning assets | 1.0175% | 1,615 |
| Net interest margin | 2.4764% | 5,140 |
| Noninterest income to average assets | 0.3105% | 3,850 |
| Noninterest expense to average assets | 2.3505% | 3,868 |
| Loan and lease loss provision to assets | 0.0306% | 3,206 |
| Net operating income to assets | 0.2688% | 4,915 |
| Return on assets (ROA) | 0.2688% | 4,928 |
| Pretax return on assets | 0.2882% | 4,943 |
| Return on Equity (ROE) | 2.3612% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.3612% | 4,001 |
| Net charge-offs to loans | 0.0899% | 1,469 |
| Credit loss provision to net charge-offs | 62.8571% | 2,384 |
| Earnings coverage of net charge-offs (x) | 6.5429% | 2,557 |
| Efficiency ratio | 88.0543% | 441 |
| Assets per employee ($millions) | 4.7352% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5347% | 4,971 |
| Loan loss allowance to noncurrent loans | 54.9738% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 2,475 |
| Noncurrent loans to loans | 0.9726% | 1,685 |
| Net loans and leases to total assets | 53.2264% | 4,276 |
| Net loans and leases to deposits | 60.5883% | 4,401 |
| Net loans and leases to core deposits | 63.9061% | 4,419 |
| Total domestic deposits to total assets | 87.8493% | 1,171 |
| Equity capital to assets | 11.2038% | 2,849 |
| Core capital (leverage) ratio | 11.6276% | 2,074 |
| Tier 1 risk-based capital ratio | 20.7406% | 1,211 |
| Total risk-based capital ratio | 21.2938% | 1,315 |
| Memoranda: | ||
| Average total assets | $143,627,670 | 3,438 |
| Average earning assets | $136,811,000 | 3,382 |
| Average equity | $16,347,670 | 3,529 |
| Average total loans | $77,868,330 | 3,696 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 5,090 |
| Cost of funding earning assets | 0.9734% | 1,686 |
| Net interest margin | 2.4676% | 5,201 |
| Noninterest income to average assets | 0.3182% | 3,730 |
| Noninterest expense to average assets | 2.3570% | 3,879 |
| Loan and lease loss provision to assets | 0.0225% | 3,147 |
| Net operating income to assets | 0.2703% | 4,935 |
| Return on assets (ROA) | 0.2703% | 4,944 |
| Pretax return on assets | 0.2872% | 4,973 |
| Return on Equity (ROE) | 2.3560% | 4,918 |
| Retained earnings to average equity (ytd only) | 2.3560% | 3,967 |
| Net charge-offs to loans | 0.1083% | 1,088 |
| Credit loss provision to net charge-offs | 38.0952% | 2,042 |
| Earnings coverage of net charge-offs (x) | 5.2381% | 2,268 |
| Efficiency ratio | 88.3844% | 463 |
| Assets per employee ($millions) | 4.6681% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5434% | 5,028 |
| Loan loss allowance to noncurrent loans | 59.3220% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 2,656 |
| Noncurrent loans to loans | 0.9160% | 1,827 |
| Net loans and leases to total assets | 53.1217% | 4,262 |
| Net loans and leases to deposits | 60.5194% | 4,386 |
| Net loans and leases to core deposits | 62.8931% | 4,432 |
| Total domestic deposits to total assets | 87.7763% | 1,449 |
| Equity capital to assets | 11.2984% | 2,564 |
| Core capital (leverage) ratio | 11.9526% | 1,806 |
| Tier 1 risk-based capital ratio | 21.9467% | 1,058 |
| Total risk-based capital ratio | 22.5354% | 1,114 |
| Memoranda: | ||
| Average total assets | $142,046,500 | 3,505 |
| Average earning assets | $135,191,500 | 3,437 |
| Average equity | $16,298,500 | 3,553 |
| Average total loans | $77,527,000 | 3,743 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 5,046 |
| Cost of funding earning assets | 0.7392% | 1,852 |
| Net interest margin | 2.6100% | 5,153 |
| Noninterest income to average assets | 0.3318% | 3,888 |
| Noninterest expense to average assets | 2.3127% | 4,089 |
| Loan and lease loss provision to assets | 0.0320% | 3,547 |
| Net operating income to assets | 0.4322% | 4,804 |
| Return on assets (ROA) | 0.4322% | 4,799 |
| Pretax return on assets | 0.4612% | 4,854 |
| Return on Equity (ROE) | 3.6162% | 4,794 |
| Retained earnings to average equity (ytd only) | 3.6162% | 3,594 |
| Net charge-offs to loans | 0.0862% | 1,918 |
| Credit loss provision to net charge-offs | 65.1515% | 3,049 |
| Earnings coverage of net charge-offs (x) | 10.0455% | 2,758 |
| Efficiency ratio | 82.4231% | 761 |
| Assets per employee ($millions) | 4.4962% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5568% | 5,047 |
| Loan loss allowance to noncurrent loans | 56.6754% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 2,407 |
| Noncurrent loans to loans | 0.9825% | 1,654 |
| Net loans and leases to total assets | 55.4792% | 4,166 |
| Net loans and leases to deposits | 63.4372% | 4,278 |
| Net loans and leases to core deposits | 65.2579% | 4,391 |
| Total domestic deposits to total assets | 87.4553% | 1,560 |
| Equity capital to assets | 11.6565% | 2,133 |
| Core capital (leverage) ratio | 12.2654% | 1,577 |
| Tier 1 risk-based capital ratio | 21.7780% | 1,058 |
| Total risk-based capital ratio | 22.3824% | 1,123 |
| Memoranda: | ||
| Average total assets | $134,434,200 | 3,588 |
| Average earning assets | $127,430,800 | 3,535 |
| Average equity | $16,066,800 | 3,504 |
| Average total loans | $76,593,000 | 3,737 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3280% | 5,103 |
| Cost of funding earning assets | 0.6880% | 1,921 |
| Net interest margin | 2.6400% | 5,203 |
| Noninterest income to average assets | 0.3473% | 3,816 |
| Noninterest expense to average assets | 2.4424% | 3,756 |
| Loan and lease loss provision to assets | 0.0230% | 3,559 |
| Net operating income to assets | 0.3574% | 5,017 |
| Return on assets (ROA) | 0.3574% | 5,015 |
| Pretax return on assets | 0.3824% | 5,051 |
| Return on Equity (ROE) | 2.9709% | 5,011 |
| Retained earnings to average equity (ytd only) | 2.9709% | 4,249 |
| Net charge-offs to loans | 0.0524% | 2,077 |
| Credit loss provision to net charge-offs | 76.6667% | 2,565 |
| Earnings coverage of net charge-offs (x) | 13.4998% | 2,352 |
| Efficiency ratio | 85.7645% | 531 |
| Assets per employee ($millions) | 4.3461% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 5,068 |
| Loan loss allowance to noncurrent loans | 87.6953% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 3,122 |
| Noncurrent loans to loans | 0.6661% | 2,413 |
| Net loans and leases to total assets | 56.7217% | 4,156 |
| Net loans and leases to deposits | 65.1420% | 4,264 |
| Net loans and leases to core deposits | 66.7598% | 4,368 |
| Total domestic deposits to total assets | 87.0740% | 1,693 |
| Equity capital to assets | 12.0309% | 1,891 |
| Core capital (leverage) ratio | 12.4152% | 1,545 |
| Tier 1 risk-based capital ratio | 23.0466% | 933 |
| Total risk-based capital ratio | 23.7171% | 969 |
| Memoranda: | ||
| Average total assets | $133,197,250 | 3,635 |
| Average earning assets | $126,160,250 | 3,592 |
| Average equity | $16,021,750 | 3,541 |
| Average total loans | $76,301,000 | 3,776 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3028% | 5,137 |
| Cost of funding earning assets | 0.6427% | 1,972 |
| Net interest margin | 2.6601% | 5,243 |
| Noninterest income to average assets | 0.3497% | 3,826 |
| Noninterest expense to average assets | 2.4539% | 3,766 |
| Loan and lease loss provision to assets | 0.0347% | 3,221 |
| Net operating income to assets | 0.3618% | 5,034 |
| Return on assets (ROA) | 0.3618% | 5,030 |
| Pretax return on assets | 0.3813% | 5,067 |
| Return on Equity (ROE) | 3.0076% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.0076% | 4,047 |
| Net charge-offs to loans | 0.0473% | 1,938 |
| Credit loss provision to net charge-offs | 127.7778% | 1,738 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 2,047 |
| Efficiency ratio | 85.5042% | 596 |
| Assets per employee ($millions) | 4.2866% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 5,096 |
| Loan loss allowance to noncurrent loans | 81.5929% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 2,977 |
| Noncurrent loans to loans | 0.7434% | 2,245 |
| Net loans and leases to total assets | 56.8454% | 4,095 |
| Net loans and leases to deposits | 65.3327% | 4,205 |
| Net loans and leases to core deposits | 66.7518% | 4,325 |
| Total domestic deposits to total assets | 87.0091% | 1,838 |
| Equity capital to assets | 12.1097% | 1,779 |
| Core capital (leverage) ratio | 12.3320% | 1,522 |
| Tier 1 risk-based capital ratio | 24.1333% | 821 |
| Total risk-based capital ratio | 24.8581% | 843 |
| Memoranda: | ||
| Average total assets | $132,687,000 | 3,667 |
| Average earning assets | $125,710,000 | 3,627 |
| Average equity | $15,959,330 | 3,569 |
| Average total loans | $76,111,670 | 3,804 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 5,179 |
| Cost of funding earning assets | 0.5927% | 2,102 |
| Net interest margin | 2.6702% | 5,273 |
| Noninterest income to average assets | 0.3620% | 3,722 |
| Noninterest expense to average assets | 2.5643% | 3,445 |
| Loan and lease loss provision to assets | 0.0694% | 2,378 |
| Net operating income to assets | 0.2383% | 5,200 |
| Return on assets (ROA) | 0.2383% | 5,198 |
| Pretax return on assets | 0.2564% | 5,207 |
| Return on Equity (ROE) | 1.9883% | 5,182 |
| Retained earnings to average equity (ytd only) | 1.9883% | 4,352 |
| Net charge-offs to loans | -0.0210% | 4,587 |
| Credit loss provision to net charge-offs | -575.0000% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7265% | 499 |
| Assets per employee ($millions) | 4.3173% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 5,126 |
| Loan loss allowance to noncurrent loans | 58.6165% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 2,271 |
| Noncurrent loans to loans | 1.0821% | 1,695 |
| Net loans and leases to total assets | 56.5352% | 4,079 |
| Net loans and leases to deposits | 64.8211% | 4,166 |
| Net loans and leases to core deposits | 66.4357% | 4,281 |
| Total domestic deposits to total assets | 87.2173% | 2,034 |
| Equity capital to assets | 11.9025% | 1,854 |
| Core capital (leverage) ratio | 12.3090% | 1,473 |
| Tier 1 risk-based capital ratio | 24.4568% | 799 |
| Total risk-based capital ratio | 25.2317% | 822 |
| Memoranda: | ||
| Average total assets | $132,588,000 | 3,703 |
| Average earning assets | $125,534,500 | 3,655 |
| Average equity | $15,893,000 | 3,602 |
| Average total loans | $76,167,500 | 3,832 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2333% | 5,151 |
| Cost of funding earning assets | 0.5958% | 1,623 |
| Net interest margin | 2.6375% | 5,327 |
| Noninterest income to average assets | 0.3251% | 4,141 |
| Noninterest expense to average assets | 2.4193% | 4,019 |
| Loan and lease loss provision to assets | 0.1215% | 1,887 |
| Net operating income to assets | 0.2980% | 4,931 |
| Return on assets (ROA) | 0.2980% | 4,946 |
| Pretax return on assets | 0.2791% | 5,229 |
| Return on Equity (ROE) | 2.5214% | 4,943 |
| Retained earnings to average equity (ytd only) | 2.5214% | 3,817 |
| Net charge-offs to loans | 0.1446% | 1,631 |
| Credit loss provision to net charge-offs | 151.8868% | 1,758 |
| Earnings coverage of net charge-offs (x) | 5.0094% | 3,384 |
| Efficiency ratio | 85.7945% | 655 |
| Assets per employee ($millions) | 4.3780% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5985% | 5,251 |
| Loan loss allowance to noncurrent loans | 50.8361% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 2,069 |
| Noncurrent loans to loans | 1.1774% | 1,509 |
| Net loans and leases to total assets | 57.6607% | 4,040 |
| Net loans and leases to deposits | 66.1950% | 4,171 |
| Net loans and leases to core deposits | 67.6689% | 4,319 |
| Total domestic deposits to total assets | 87.1074% | 1,939 |
| Equity capital to assets | 12.0726% | 1,783 |
| Core capital (leverage) ratio | 12.2910% | 1,453 |
| Tier 1 risk-based capital ratio | 24.4564% | 774 |
| Total risk-based capital ratio | 25.1943% | 801 |
| Memoranda: | ||
| Average total assets | $132,556,400 | 3,706 |
| Average earning assets | $125,383,200 | 3,658 |
| Average equity | $15,665,600 | 3,642 |
| Average total loans | $73,300,400 | 3,891 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2001% | 5,231 |
| Cost of funding earning assets | 0.5855% | 1,638 |
| Net interest margin | 2.6146% | 5,396 |
| Noninterest income to average assets | 0.3282% | 4,191 |
| Noninterest expense to average assets | 2.4135% | 3,985 |
| Loan and lease loss provision to assets | 0.0953% | 2,193 |
| Net operating income to assets | 0.2398% | 5,311 |
| Return on assets (ROA) | 0.2398% | 5,327 |
| Pretax return on assets | 0.2930% | 5,315 |
| Return on Equity (ROE) | 2.0403% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.0403% | 4,620 |
| Net charge-offs to loans | 0.1084% | 1,702 |
| Credit loss provision to net charge-offs | 161.0169% | 1,593 |
| Earnings coverage of net charge-offs (x) | 6.5598% | 2,975 |
| Efficiency ratio | 86.1390% | 622 |
| Assets per employee ($millions) | 4.4120% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 5,346 |
| Loan loss allowance to noncurrent loans | 62.5179% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 2,670 |
| Noncurrent loans to loans | 0.9414% | 2,039 |
| Net loans and leases to total assets | 55.7672% | 4,249 |
| Net loans and leases to deposits | 63.9243% | 4,381 |
| Net loans and leases to core deposits | 65.1400% | 4,539 |
| Total domestic deposits to total assets | 87.2394% | 1,759 |
| Equity capital to assets | 11.8834% | 2,047 |
| Core capital (leverage) ratio | 12.1230% | 1,616 |
| Tier 1 risk-based capital ratio | 24.4958% | 805 |
| Total risk-based capital ratio | 25.2129% | 836 |
| Memoranda: | ||
| Average total assets | $132,860,750 | 3,739 |
| Average earning assets | $125,701,750 | 3,687 |
| Average equity | $15,618,000 | 3,679 |
| Average total loans | $72,578,750 | 3,935 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1657% | 5,284 |
| Cost of funding earning assets | 0.5610% | 1,708 |
| Net interest margin | 2.6047% | 5,433 |
| Noninterest income to average assets | 0.3232% | 4,239 |
| Noninterest expense to average assets | 2.3935% | 4,064 |
| Loan and lease loss provision to assets | 0.0556% | 2,861 |
| Net operating income to assets | 0.2872% | 5,251 |
| Return on assets (ROA) | 0.2872% | 5,265 |
| Pretax return on assets | 0.3383% | 5,288 |
| Return on Equity (ROE) | 2.4517% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.4517% | 4,217 |
| Net charge-offs to loans | 0.0472% | 2,272 |
| Credit loss provision to net charge-offs | 217.6471% | 1,192 |
| Earnings coverage of net charge-offs (x) | 15.4118% | 2,029 |
| Efficiency ratio | 85.8684% | 700 |
| Assets per employee ($millions) | 4.2770% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5799% | 5,412 |
| Loan loss allowance to noncurrent loans | 93.7639% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 3,409 |
| Noncurrent loans to loans | 0.6185% | 2,880 |
| Net loans and leases to total assets | 54.4356% | 4,356 |
| Net loans and leases to deposits | 62.3630% | 4,482 |
| Net loans and leases to core deposits | 63.5452% | 4,638 |
| Total domestic deposits to total assets | 87.2883% | 1,810 |
| Equity capital to assets | 11.8255% | 2,059 |
| Core capital (leverage) ratio | 12.0508% | 1,602 |
| Tier 1 risk-based capital ratio | 25.1211% | 736 |
| Total risk-based capital ratio | 25.8352% | 771 |
| Memoranda: | ||
| Average total assets | $133,027,330 | 3,768 |
| Average earning assets | $125,848,330 | 3,705 |
| Average equity | $15,581,000 | 3,693 |
| Average total loans | $72,021,330 | 3,975 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1215% | 5,342 |
| Cost of funding earning assets | 0.5488% | 1,722 |
| Net interest margin | 2.5727% | 5,489 |
| Noninterest income to average assets | 0.3302% | 4,187 |
| Noninterest expense to average assets | 2.4226% | 4,049 |
| Loan and lease loss provision to assets | 0.0660% | 2,481 |
| Net operating income to assets | 0.2462% | 5,311 |
| Return on assets (ROA) | 0.2462% | 5,327 |
| Pretax return on assets | 0.2762% | 5,346 |
| Return on Equity (ROE) | 2.1118% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.1118% | 4,299 |
| Net charge-offs to loans | -0.0167% | 4,642 |
| Credit loss provision to net charge-offs | -733.3333% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6221% | 687 |
| Assets per employee ($millions) | 4.3071% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 5,489 |
| Loan loss allowance to noncurrent loans | 116.3934% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 3,758 |
| Noncurrent loans to loans | 0.5090% | 3,287 |
| Net loans and leases to total assets | 53.5324% | 4,379 |
| Net loans and leases to deposits | 61.2417% | 4,478 |
| Net loans and leases to core deposits | 62.3926% | 4,625 |
| Total domestic deposits to total assets | 87.4117% | 2,027 |
| Equity capital to assets | 11.6618% | 2,073 |
| Core capital (leverage) ratio | 11.9614% | 1,654 |
| Tier 1 risk-based capital ratio | 25.6041% | 720 |
| Total risk-based capital ratio | 26.3418% | 746 |
| Memoranda: | ||
| Average total assets | $133,248,000 | 3,794 |
| Average earning assets | $126,093,500 | 3,736 |
| Average equity | $15,532,000 | 3,719 |
| Average total loans | $71,734,500 | 4,010 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2713% | 5,204 |
| Cost of funding earning assets | 0.5381% | 1,803 |
| Net interest margin | 2.7332% | 5,378 |
| Noninterest income to average assets | 0.4482% | 3,560 |
| Noninterest expense to average assets | 2.4501% | 4,163 |
| Loan and lease loss provision to assets | 0.0570% | 3,245 |
| Net operating income to assets | 0.4801% | 4,710 |
| Return on assets (ROA) | 0.4801% | 4,786 |
| Pretax return on assets | 0.5303% | 4,967 |
| Return on Equity (ROE) | 4.1899% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.1899% | 2,927 |
| Net charge-offs to loans | 0.1178% | 2,077 |
| Credit loss provision to net charge-offs | 88.2353% | 2,835 |
| Earnings coverage of net charge-offs (x) | 9.0941% | 2,784 |
| Efficiency ratio | 80.6653% | 1,342 |
| Assets per employee ($millions) | 4.2895% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5603% | 5,590 |
| Loan loss allowance to noncurrent loans | 62.0743% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 3,014 |
| Noncurrent loans to loans | 0.9027% | 2,292 |
| Net loans and leases to total assets | 53.5176% | 4,481 |
| Net loans and leases to deposits | 61.1641% | 4,605 |
| Net loans and leases to core deposits | 62.1746% | 4,748 |
| Total domestic deposits to total assets | 87.4984% | 1,881 |
| Equity capital to assets | 11.6511% | 2,042 |
| Core capital (leverage) ratio | 12.0271% | 1,583 |
| Tier 1 risk-based capital ratio | 25.5476% | 721 |
| Total risk-based capital ratio | 26.2470% | 758 |
| Memoranda: | ||
| Average total assets | $131,628,600 | 3,804 |
| Average earning assets | $124,690,800 | 3,741 |
| Average equity | $15,084,000 | 3,799 |
| Average total loans | $72,158,400 | 3,991 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 5,182 |
| Cost of funding earning assets | 0.5346% | 1,839 |
| Net interest margin | 2.7867% | 5,376 |
| Noninterest income to average assets | 0.4103% | 3,845 |
| Noninterest expense to average assets | 2.4677% | 4,082 |
| Loan and lease loss provision to assets | 0.0457% | 3,328 |
| Net operating income to assets | 0.4123% | 4,980 |
| Return on assets (ROA) | 0.4123% | 5,072 |
| Pretax return on assets | 0.5382% | 5,042 |
| Return on Equity (ROE) | 3.6132% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.6132% | 3,722 |
| Net charge-offs to loans | 0.0590% | 2,504 |
| Credit loss provision to net charge-offs | 140.6250% | 1,859 |
| Earnings coverage of net charge-offs (x) | 17.9670% | 2,025 |
| Efficiency ratio | 80.8652% | 1,316 |
| Assets per employee ($millions) | 4.2104% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 5,619 |
| Loan loss allowance to noncurrent loans | 76.2590% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 3,518 |
| Noncurrent loans to loans | 0.7775% | 2,730 |
| Net loans and leases to total assets | 54.4633% | 4,449 |
| Net loans and leases to deposits | 62.3490% | 4,607 |
| Net loans and leases to core deposits | 63.3955% | 4,755 |
| Total domestic deposits to total assets | 87.3522% | 1,736 |
| Equity capital to assets | 11.6349% | 2,411 |
| Core capital (leverage) ratio | 11.8734% | 1,770 |
| Tier 1 risk-based capital ratio | 25.3719% | 775 |
| Total risk-based capital ratio | 26.1075% | 811 |
| Memoranda: | ||
| Average total assets | $131,292,000 | 3,828 |
| Average earning assets | $124,443,250 | 3,769 |
| Average equity | $14,981,750 | 3,839 |
| Average total loans | $72,306,500 | 4,012 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3314% | 5,220 |
| Cost of funding earning assets | 0.5371% | 1,806 |
| Net interest margin | 2.7943% | 5,431 |
| Noninterest income to average assets | 0.4318% | 3,653 |
| Noninterest expense to average assets | 2.4888% | 4,061 |
| Loan and lease loss provision to assets | 0.0456% | 3,238 |
| Net operating income to assets | 0.4135% | 4,994 |
| Return on assets (ROA) | 0.4135% | 5,079 |
| Pretax return on assets | 0.5473% | 5,033 |
| Return on Equity (ROE) | 3.6477% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.6477% | 3,571 |
| Net charge-offs to loans | 0.0331% | 2,789 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,335 |
| Efficiency ratio | 80.7597% | 1,407 |
| Assets per employee ($millions) | 4.2212% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5973% | 5,687 |
| Loan loss allowance to noncurrent loans | 62.7193% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 3,387 |
| Noncurrent loans to loans | 0.9523% | 2,380 |
| Net loans and leases to total assets | 54.5599% | 4,455 |
| Net loans and leases to deposits | 62.4031% | 4,624 |
| Net loans and leases to core deposits | 63.4439% | 4,782 |
| Total domestic deposits to total assets | 87.4314% | 1,701 |
| Equity capital to assets | 11.5033% | 2,545 |
| Core capital (leverage) ratio | 11.7588% | 1,804 |
| Tier 1 risk-based capital ratio | 25.3343% | 787 |
| Total risk-based capital ratio | 26.0801% | 815 |
| Memoranda: | ||
| Average total assets | $131,549,000 | 3,851 |
| Average earning assets | $124,753,330 | 3,784 |
| Average equity | $14,913,670 | 3,873 |
| Average total loans | $72,572,000 | 4,026 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3356% | 5,247 |
| Cost of funding earning assets | 0.5463% | 1,746 |
| Net interest margin | 2.7892% | 5,484 |
| Noninterest income to average assets | 0.4306% | 3,611 |
| Noninterest expense to average assets | 2.5172% | 4,015 |
| Loan and lease loss provision to assets | 0.0455% | 3,013 |
| Net operating income to assets | 0.3912% | 5,020 |
| Return on assets (ROA) | 0.3912% | 5,096 |
| Pretax return on assets | 0.5156% | 5,043 |
| Return on Equity (ROE) | 3.4762% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.4762% | 3,760 |
| Net charge-offs to loans | 0.0110% | 2,755 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 566 |
| Efficiency ratio | 81.7734% | 1,389 |
| Assets per employee ($millions) | 4.1113% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5843% | 5,764 |
| Loan loss allowance to noncurrent loans | 66.8770% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 3,587 |
| Noncurrent loans to loans | 0.8737% | 2,662 |
| Net loans and leases to total assets | 54.8331% | 4,370 |
| Net loans and leases to deposits | 62.5636% | 4,540 |
| Net loans and leases to core deposits | 64.1367% | 4,680 |
| Total domestic deposits to total assets | 87.6438% | 1,836 |
| Equity capital to assets | 11.3316% | 2,592 |
| Core capital (leverage) ratio | 11.5751% | 1,924 |
| Tier 1 risk-based capital ratio | 24.9763% | 815 |
| Total risk-based capital ratio | 25.6973% | 856 |
| Memoranda: | ||
| Average total assets | $131,894,500 | 3,885 |
| Average earning assets | $125,196,000 | 3,801 |
| Average equity | $14,844,000 | 3,886 |
| Average total loans | $72,945,500 | 4,050 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 5,204 |
| Cost of funding earning assets | 0.5619% | 1,661 |
| Net interest margin | 2.8190% | 5,479 |
| Noninterest income to average assets | 0.2921% | 4,800 |
| Noninterest expense to average assets | 2.3894% | 4,536 |
| Loan and lease loss provision to assets | 0.0335% | 3,686 |
| Net operating income to assets | 0.5188% | 4,622 |
| Return on assets (ROA) | 0.5188% | 4,701 |
| Pretax return on assets | 0.5523% | 4,983 |
| Return on Equity (ROE) | 4.7516% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.7516% | 2,611 |
| Net charge-offs to loans | 0.1037% | 2,369 |
| Credit loss provision to net charge-offs | 57.8947% | 3,287 |
| Earnings coverage of net charge-offs (x) | 10.1316% | 2,731 |
| Efficiency ratio | 80.3119% | 1,630 |
| Assets per employee ($millions) | 4.2654% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 5,856 |
| Loan loss allowance to noncurrent loans | 95.1389% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 4,236 |
| Noncurrent loans to loans | 0.5891% | 3,403 |
| Net loans and leases to total assets | 55.1449% | 4,372 |
| Net loans and leases to deposits | 62.7875% | 4,567 |
| Net loans and leases to core deposits | 64.3512% | 4,718 |
| Total domestic deposits to total assets | 87.8278% | 1,732 |
| Equity capital to assets | 11.1777% | 2,652 |
| Core capital (leverage) ratio | 11.5407% | 1,928 |
| Tier 1 risk-based capital ratio | 24.5419% | 859 |
| Total risk-based capital ratio | 25.2321% | 917 |
| Memoranda: | ||
| Average total assets | $131,457,800 | 3,864 |
| Average earning assets | $125,116,200 | 3,789 |
| Average equity | $14,353,200 | 3,930 |
| Average total loans | $73,307,000 | 4,015 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3893% | 5,224 |
| Cost of funding earning assets | 0.5633% | 1,686 |
| Net interest margin | 2.8260% | 5,534 |
| Noninterest income to average assets | 0.3271% | 4,594 |
| Noninterest expense to average assets | 2.4956% | 4,209 |
| Loan and lease loss provision to assets | 0.0295% | 3,651 |
| Net operating income to assets | 0.3799% | 5,235 |
| Return on assets (ROA) | 0.3799% | 5,315 |
| Pretax return on assets | 0.4926% | 5,235 |
| Return on Equity (ROE) | 3.5002% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.5002% | 3,976 |
| Net charge-offs to loans | 0.1401% | 1,723 |
| Credit loss provision to net charge-offs | 37.6623% | 3,191 |
| Earnings coverage of net charge-offs (x) | 6.6756% | 3,016 |
| Efficiency ratio | 82.6994% | 1,307 |
| Assets per employee ($millions) | 4.2192% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5433% | 5,977 |
| Loan loss allowance to noncurrent loans | 77.9093% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 3,830 |
| Noncurrent loans to loans | 0.6973% | 3,236 |
| Net loans and leases to total assets | 55.2853% | 4,426 |
| Net loans and leases to deposits | 62.9410% | 4,648 |
| Net loans and leases to core deposits | 64.5202% | 4,791 |
| Total domestic deposits to total assets | 87.8368% | 1,641 |
| Equity capital to assets | 11.0286% | 2,989 |
| Core capital (leverage) ratio | 11.3006% | 2,197 |
| Tier 1 risk-based capital ratio | 24.4893% | 897 |
| Total risk-based capital ratio | 25.1576% | 940 |
| Memoranda: | ||
| Average total assets | $131,265,250 | 3,908 |
| Average earning assets | $124,977,250 | 3,833 |
| Average equity | $14,246,500 | 3,985 |
| Average total loans | $73,301,750 | 4,052 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 5,284 |
| Cost of funding earning assets | 0.5649% | 1,685 |
| Net interest margin | 2.8102% | 5,594 |
| Noninterest income to average assets | 0.3272% | 4,604 |
| Noninterest expense to average assets | 2.4638% | 4,356 |
| Loan and lease loss provision to assets | 0.0183% | 3,762 |
| Net operating income to assets | 0.4048% | 5,120 |
| Return on assets (ROA) | 0.4048% | 5,227 |
| Pretax return on assets | 0.5250% | 5,162 |
| Return on Equity (ROE) | 3.7499% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.7499% | 3,620 |
| Net charge-offs to loans | 0.1932% | 1,299 |
| Credit loss provision to net charge-offs | 16.9014% | 3,047 |
| Earnings coverage of net charge-offs (x) | 5.0282% | 2,967 |
| Efficiency ratio | 81.9332% | 1,498 |
| Assets per employee ($millions) | 4.2512% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5284% | 6,061 |
| Loan loss allowance to noncurrent loans | 61.0493% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 3,679 |
| Noncurrent loans to loans | 0.8656% | 2,962 |
| Net loans and leases to total assets | 54.8476% | 4,472 |
| Net loans and leases to deposits | 62.3605% | 4,675 |
| Net loans and leases to core deposits | 63.9076% | 4,811 |
| Total domestic deposits to total assets | 87.9525% | 1,670 |
| Equity capital to assets | 10.8637% | 3,034 |
| Core capital (leverage) ratio | 11.1730% | 2,265 |
| Tier 1 risk-based capital ratio | 24.2060% | 936 |
| Total risk-based capital ratio | 24.8517% | 981 |
| Memoranda: | ||
| Average total assets | $131,421,670 | 3,935 |
| Average earning assets | $125,330,670 | 3,856 |
| Average equity | $14,187,000 | 4,014 |
| Average total loans | $73,500,330 | 4,072 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 5,147 |
| Cost of funding earning assets | 0.5768% | 1,605 |
| Net interest margin | 2.8522% | 5,542 |
| Noninterest income to average assets | 0.2956% | 4,804 |
| Noninterest expense to average assets | 2.4048% | 4,579 |
| Loan and lease loss provision to assets | 0.0274% | 3,335 |
| Net operating income to assets | 0.4298% | 4,946 |
| Return on assets (ROA) | 0.4298% | 5,070 |
| Pretax return on assets | 0.5913% | 4,936 |
| Return on Equity (ROE) | 3.9938% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.9938% | 3,608 |
| Net charge-offs to loans | 0.1678% | 1,269 |
| Credit loss provision to net charge-offs | 29.0323% | 2,285 |
| Earnings coverage of net charge-offs (x) | 6.5484% | 2,274 |
| Efficiency ratio | 79.5363% | 1,954 |
| Assets per employee ($millions) | 4.2331% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5703% | 6,093 |
| Loan loss allowance to noncurrent loans | 111.3757% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 4,698 |
| Noncurrent loans to loans | 0.5120% | 4,042 |
| Net loans and leases to total assets | 55.9375% | 4,211 |
| Net loans and leases to deposits | 63.0039% | 4,482 |
| Net loans and leases to core deposits | 64.5531% | 4,650 |
| Total domestic deposits to total assets | 88.7841% | 1,400 |
| Equity capital to assets | 10.8158% | 3,180 |
| Core capital (leverage) ratio | 10.4598% | 3,021 |
| Tier 1 risk-based capital ratio | 22.9270% | 1,114 |
| Total risk-based capital ratio | 23.6176% | 1,172 |
| Memoranda: | ||
| Average total assets | $131,239,000 | 3,966 |
| Average earning assets | $125,516,000 | 3,878 |
| Average equity | $14,122,000 | 4,054 |
| Average total loans | $73,917,500 | 4,082 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3584% | 5,609 |
| Cost of funding earning assets | 0.6320% | 1,539 |
| Net interest margin | 2.7263% | 5,903 |
| Noninterest income to average assets | 0.2138% | 5,575 |
| Noninterest expense to average assets | 2.1641% | 5,425 |
| Loan and lease loss provision to assets | 0.0400% | 3,775 |
| Net operating income to assets | 0.5635% | 4,538 |
| Return on assets (ROA) | 0.5635% | 4,633 |
| Pretax return on assets | 0.6164% | 4,889 |
| Return on Equity (ROE) | 5.4140% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.4140% | 2,321 |
| Net charge-offs to loans | 0.0215% | 4,411 |
| Credit loss provision to net charge-offs | 331.2500% | 793 |
| Earnings coverage of net charge-offs (x) | 54.3125% | 863 |
| Efficiency ratio | 76.7274% | 2,404 |
| Assets per employee ($millions) | 4.2340% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 6,145 |
| Loan loss allowance to noncurrent loans | 43.0097% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 3,233 |
| Noncurrent loans to loans | 1.3917% | 2,106 |
| Net loans and leases to total assets | 56.0498% | 4,326 |
| Net loans and leases to deposits | 63.5327% | 4,577 |
| Net loans and leases to core deposits | 65.1007% | 4,744 |
| Total domestic deposits to total assets | 88.2220% | 1,649 |
| Equity capital to assets | 10.7053% | 3,228 |
| Core capital (leverage) ratio | 11.0215% | 2,393 |
| Tier 1 risk-based capital ratio | 23.8288% | 975 |
| Total risk-based capital ratio | 24.5585% | 1,009 |
| Memoranda: | ||
| Average total assets | $132,387,600 | 3,934 |
| Average earning assets | $126,580,000 | 3,829 |
| Average equity | $13,779,200 | 4,058 |
| Average total loans | $74,304,800 | 4,046 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3560% | 5,665 |
| Cost of funding earning assets | 0.6380% | 1,537 |
| Net interest margin | 2.7180% | 5,983 |
| Noninterest income to average assets | 0.2110% | 5,668 |
| Noninterest expense to average assets | 2.2270% | 5,293 |
| Loan and lease loss provision to assets | 0.0301% | 3,808 |
| Net operating income to assets | 0.4050% | 5,232 |
| Return on assets (ROA) | 0.4050% | 5,308 |
| Pretax return on assets | 0.5527% | 5,180 |
| Return on Equity (ROE) | 3.9188% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.9188% | 3,858 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2561% | 2,017 |
| Assets per employee ($millions) | 4.2165% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5883% | 6,241 |
| Loan loss allowance to noncurrent loans | 47.2373% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 3,701 |
| Noncurrent loans to loans | 1.2454% | 2,558 |
| Net loans and leases to total assets | 56.3632% | 4,285 |
| Net loans and leases to deposits | 63.3559% | 4,604 |
| Net loans and leases to core deposits | 64.7331% | 4,827 |
| Total domestic deposits to total assets | 88.9628% | 1,260 |
| Equity capital to assets | 10.6501% | 3,369 |
| Core capital (leverage) ratio | 10.8038% | 2,691 |
| Tier 1 risk-based capital ratio | 23.2867% | 1,079 |
| Total risk-based capital ratio | 24.0057% | 1,128 |
| Memoranda: | ||
| Average total assets | $132,671,250 | 3,960 |
| Average earning assets | $126,854,500 | 3,857 |
| Average equity | $13,711,250 | 4,094 |
| Average total loans | $74,378,500 | 4,071 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 5,694 |
| Cost of funding earning assets | 0.6402% | 1,587 |
| Net interest margin | 2.7193% | 6,029 |
| Noninterest income to average assets | 0.2100% | 5,695 |
| Noninterest expense to average assets | 2.2442% | 5,303 |
| Loan and lease loss provision to assets | 0.0405% | 3,504 |
| Net operating income to assets | 0.3900% | 5,263 |
| Return on assets (ROA) | 0.3900% | 5,331 |
| Pretax return on assets | 0.5250% | 5,206 |
| Return on Equity (ROE) | 3.8119% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.8119% | 3,754 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8719% | 2,043 |
| Assets per employee ($millions) | 4.0031% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5875% | 6,327 |
| Loan loss allowance to noncurrent loans | 88.5481% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 4,915 |
| Noncurrent loans to loans | 0.6635% | 4,049 |
| Net loans and leases to total assets | 55.4609% | 4,351 |
| Net loans and leases to deposits | 62.7017% | 4,623 |
| Net loans and leases to core deposits | 63.9149% | 4,824 |
| Total domestic deposits to total assets | 88.4521% | 1,660 |
| Equity capital to assets | 10.4328% | 3,527 |
| Core capital (leverage) ratio | 10.5820% | 2,843 |
| Tier 1 risk-based capital ratio | 23.2638% | 1,074 |
| Total risk-based capital ratio | 23.9844% | 1,132 |
| Memoranda: | ||
| Average total assets | $133,324,000 | 3,972 |
| Average earning assets | $127,460,670 | 3,862 |
| Average equity | $13,641,330 | 4,112 |
| Average total loans | $74,468,000 | 4,090 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3621% | 5,724 |
| Cost of funding earning assets | 0.6400% | 1,646 |
| Net interest margin | 2.7221% | 6,077 |
| Noninterest income to average assets | 0.2270% | 5,535 |
| Noninterest expense to average assets | 2.3355% | 5,111 |
| Loan and lease loss provision to assets | 0.0567% | 2,979 |
| Net operating income to assets | 0.3016% | 5,488 |
| Return on assets (ROA) | 0.3016% | 5,531 |
| Pretax return on assets | 0.4390% | 5,336 |
| Return on Equity (ROE) | 2.9769% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.9769% | 4,322 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4895% | 1,866 |
| Assets per employee ($millions) | 4.1915% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5707% | 6,442 |
| Loan loss allowance to noncurrent loans | 74.5614% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 4,861 |
| Noncurrent loans to loans | 0.7654% | 3,951 |
| Net loans and leases to total assets | 55.2025% | 4,256 |
| Net loans and leases to deposits | 62.2149% | 4,523 |
| Net loans and leases to core deposits | 63.3905% | 4,742 |
| Total domestic deposits to total assets | 88.7287% | 1,814 |
| Equity capital to assets | 10.1567% | 3,659 |
| Core capital (leverage) ratio | 10.3036% | 3,169 |
| Tier 1 risk-based capital ratio | 22.7426% | 1,175 |
| Total risk-based capital ratio | 23.4420% | 1,243 |
| Memoranda: | ||
| Average total assets | $133,935,000 | 3,993 |
| Average earning assets | $128,135,000 | 3,886 |
| Average equity | $13,571,000 | 4,134 |
| Average total loans | $74,853,000 | 4,106 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 5,852 |
| Cost of funding earning assets | 0.7075% | 1,763 |
| Net interest margin | 2.6839% | 6,162 |
| Noninterest income to average assets | 0.2184% | 5,772 |
| Noninterest expense to average assets | 1.9977% | 6,031 |
| Loan and lease loss provision to assets | 0.0637% | 3,859 |
| Net operating income to assets | 0.5265% | 4,613 |
| Return on assets (ROA) | 0.5265% | 4,735 |
| Pretax return on assets | 0.7242% | 4,444 |
| Return on Equity (ROE) | 5.4593% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.4593% | 2,305 |
| Net charge-offs to loans | 0.1770% | 3,059 |
| Credit loss provision to net charge-offs | 65.1515% | 3,424 |
| Earnings coverage of net charge-offs (x) | 8.0606% | 2,738 |
| Efficiency ratio | 71.7172% | 3,529 |
| Assets per employee ($millions) | 4.1794% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 6,538 |
| Loan loss allowance to noncurrent loans | 59.7938% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 4,697 |
| Noncurrent loans to loans | 0.9025% | 3,730 |
| Net loans and leases to total assets | 55.9533% | 4,324 |
| Net loans and leases to deposits | 62.9219% | 4,621 |
| Net loans and leases to core deposits | 64.1094% | 4,857 |
| Total domestic deposits to total assets | 88.9249% | 1,680 |
| Equity capital to assets | 10.1083% | 3,624 |
| Core capital (leverage) ratio | 10.2578% | 3,208 |
| Tier 1 risk-based capital ratio | 22.5875% | 1,164 |
| Total risk-based capital ratio | 23.2560% | 1,234 |
| Memoranda: | ||
| Average total assets | $135,053,200 | 3,981 |
| Average earning assets | $129,179,200 | 3,865 |
| Average equity | $13,023,600 | 4,263 |
| Average total loans | $74,589,200 | 4,106 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,872 |
| Cost of funding earning assets | 0.7177% | 1,825 |
| Net interest margin | 2.6844% | 6,202 |
| Noninterest income to average assets | 0.2196% | 5,856 |
| Noninterest expense to average assets | 2.1342% | 5,761 |
| Loan and lease loss provision to assets | 0.0699% | 3,665 |
| Net operating income to assets | 0.4186% | 5,169 |
| Return on assets (ROA) | 0.4186% | 5,314 |
| Pretax return on assets | 0.5830% | 5,085 |
| Return on Equity (ROE) | 4.3927% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.3927% | 3,549 |
| Net charge-offs to loans | 0.1415% | 3,125 |
| Credit loss provision to net charge-offs | 89.8734% | 2,641 |
| Earnings coverage of net charge-offs (x) | 8.3925% | 2,629 |
| Efficiency ratio | 76.5724% | 2,636 |
| Assets per employee ($millions) | 4.2246% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 6,564 |
| Loan loss allowance to noncurrent loans | 62.0979% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 4,856 |
| Noncurrent loans to loans | 0.9599% | 3,896 |
| Net loans and leases to total assets | 54.7712% | 4,491 |
| Net loans and leases to deposits | 60.9217% | 4,872 |
| Net loans and leases to core deposits | 62.0411% | 5,112 |
| Total domestic deposits to total assets | 89.9043% | 1,057 |
| Equity capital to assets | 9.6970% | 4,308 |
| Core capital (leverage) ratio | 9.9367% | 3,760 |
| Tier 1 risk-based capital ratio | 22.0155% | 1,317 |
| Total risk-based capital ratio | 22.7432% | 1,375 |
| Memoranda: | ||
| Average total assets | $135,381,000 | 4,005 |
| Average earning assets | $129,487,000 | 3,895 |
| Average equity | $12,899,750 | 4,333 |
| Average total loans | $74,426,750 | 4,133 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 5,859 |
| Cost of funding earning assets | 0.7239% | 1,895 |
| Net interest margin | 2.6963% | 6,182 |
| Noninterest income to average assets | 0.2318% | 5,786 |
| Noninterest expense to average assets | 2.1366% | 5,785 |
| Loan and lease loss provision to assets | 0.0827% | 3,416 |
| Net operating income to assets | 0.4223% | 5,134 |
| Return on assets (ROA) | 0.4223% | 5,290 |
| Pretax return on assets | 0.5921% | 5,044 |
| Return on Equity (ROE) | 4.4583% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.4583% | 3,429 |
| Net charge-offs to loans | 0.2123% | 2,493 |
| Credit loss provision to net charge-offs | 70.8861% | 2,802 |
| Earnings coverage of net charge-offs (x) | 5.7848% | 2,830 |
| Efficiency ratio | 75.9979% | 2,787 |
| Assets per employee ($millions) | 4.1996% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5770% | 6,639 |
| Loan loss allowance to noncurrent loans | 50.5896% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 4,642 |
| Noncurrent loans to loans | 1.1406% | 3,649 |
| Net loans and leases to total assets | 55.0046% | 4,449 |
| Net loans and leases to deposits | 61.1907% | 4,836 |
| Net loans and leases to core deposits | 62.3195% | 5,068 |
| Total domestic deposits to total assets | 89.8904% | 1,088 |
| Equity capital to assets | 9.6512% | 4,387 |
| Core capital (leverage) ratio | 9.8923% | 3,660 |
| Tier 1 risk-based capital ratio | 21.7496% | 1,341 |
| Total risk-based capital ratio | 22.4515% | 1,414 |
| Memoranda: | ||
| Average total assets | $135,446,000 | 4,037 |
| Average earning assets | $129,584,000 | 3,914 |
| Average equity | $12,830,000 | 4,369 |
| Average total loans | $74,406,670 | 4,159 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 5,797 |
| Cost of funding earning assets | 0.7361% | 1,948 |
| Net interest margin | 2.7287% | 6,169 |
| Noninterest income to average assets | 0.2177% | 5,914 |
| Noninterest expense to average assets | 2.1151% | 5,883 |
| Loan and lease loss provision to assets | 0.0588% | 3,652 |
| Net operating income to assets | 0.4618% | 4,862 |
| Return on assets (ROA) | 0.4618% | 5,023 |
| Pretax return on assets | 0.6501% | 4,777 |
| Return on Equity (ROE) | 4.9216% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.9216% | 3,284 |
| Net charge-offs to loans | 0.1075% | 2,797 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 12.0500% | 1,628 |
| Efficiency ratio | 74.8958% | 3,112 |
| Assets per employee ($millions) | 4.2218% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6082% | 6,698 |
| Loan loss allowance to noncurrent loans | 64.2045% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 5,064 |
| Noncurrent loans to loans | 0.9473% | 4,249 |
| Net loans and leases to total assets | 54.6770% | 4,298 |
| Net loans and leases to deposits | 61.2364% | 4,653 |
| Net loans and leases to core deposits | 62.3624% | 4,919 |
| Total domestic deposits to total assets | 89.2884% | 1,495 |
| Equity capital to assets | 9.5035% | 4,844 |
| Core capital (leverage) ratio | 9.7448% | 3,733 |
| Tier 1 risk-based capital ratio | 21.4121% | 1,446 |
| Total risk-based capital ratio | 22.1472% | 1,533 |
| Memoranda: | ||
| Average total assets | $135,975,500 | 4,064 |
| Average earning assets | $129,879,000 | 3,943 |
| Average equity | $12,760,000 | 4,426 |
| Average total loans | $74,436,000 | 4,189 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 6,005 |
| Cost of funding earning assets | 0.9149% | 1,849 |
| Net interest margin | 2.8100% | 6,373 |
| Noninterest income to average assets | 0.1836% | 6,086 |
| Noninterest expense to average assets | 2.2481% | 5,815 |
| Loan and lease loss provision to assets | 0.1261% | 4,037 |
| Net operating income to assets | 0.3598% | 5,255 |
| Return on assets (ROA) | 0.3598% | 5,481 |
| Pretax return on assets | 0.5031% | 5,268 |
| Return on Equity (ROE) | 3.8412% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.8412% | 3,496 |
| Net charge-offs to loans | 0.1571% | 4,127 |
| Credit loss provision to net charge-offs | 145.6897% | 1,874 |
| Earnings coverage of net charge-offs (x) | 7.2672% | 2,645 |
| Efficiency ratio | 78.1323% | 2,428 |
| Assets per employee ($millions) | 4.1471% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6063% | 6,749 |
| Loan loss allowance to noncurrent loans | 51.0734% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 4,706 |
| Noncurrent loans to loans | 1.1871% | 3,873 |
| Net loans and leases to total assets | 54.1460% | 4,601 |
| Net loans and leases to deposits | 61.4431% | 4,850 |
| Net loans and leases to core deposits | 62.5705% | 5,102 |
| Total domestic deposits to total assets | 88.1238% | 2,154 |
| Equity capital to assets | 9.2661% | 5,187 |
| Core capital (leverage) ratio | 9.5050% | 4,097 |
| Tier 1 risk-based capital ratio | 21.0646% | 1,445 |
| Total risk-based capital ratio | 21.7965% | 1,524 |
| Memoranda: | ||
| Average total assets | $133,977,600 | 4,063 |
| Average earning assets | $128,433,000 | 3,936 |
| Average equity | $12,548,000 | 4,455 |
| Average total loans | $73,824,200 | 4,213 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 6,010 |
| Cost of funding earning assets | 0.9486% | 1,857 |
| Net interest margin | 2.8574% | 6,425 |
| Noninterest income to average assets | 0.1791% | 6,233 |
| Noninterest expense to average assets | 2.2302% | 5,883 |
| Loan and lease loss provision to assets | 0.0790% | 4,646 |
| Net operating income to assets | 0.4132% | 5,195 |
| Return on assets (ROA) | 0.4132% | 5,424 |
| Pretax return on assets | 0.6123% | 5,129 |
| Return on Equity (ROE) | 4.4000% | 5,095 |
| Retained earnings to average equity (ytd only) | 4.4000% | 3,793 |
| Net charge-offs to loans | 0.2100% | 3,473 |
| Credit loss provision to net charge-offs | 68.1034% | 3,956 |
| Earnings coverage of net charge-offs (x) | 5.9570% | 2,884 |
| Efficiency ratio | 76.3356% | 2,625 |
| Assets per employee ($millions) | 4.0562% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4847% | 6,961 |
| Loan loss allowance to noncurrent loans | 44.6914% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 4,975 |
| Noncurrent loans to loans | 1.0845% | 4,268 |
| Net loans and leases to total assets | 55.5307% | 4,519 |
| Net loans and leases to deposits | 62.1369% | 4,954 |
| Net loans and leases to core deposits | 62.7702% | 5,288 |
| Total domestic deposits to total assets | 89.3683% | 1,205 |
| Equity capital to assets | 9.4879% | 5,219 |
| Core capital (leverage) ratio | 9.6665% | 4,020 |
| Tier 1 risk-based capital ratio | 21.5668% | 1,407 |
| Total risk-based capital ratio | 22.1702% | 1,511 |
| Memoranda: | ||
| Average total assets | $133,258,500 | 4,113 |
| Average earning assets | $127,899,750 | 3,982 |
| Average equity | $12,514,750 | 4,500 |
| Average total loans | $73,642,000 | 4,271 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 5,951 |
| Cost of funding earning assets | 0.9702% | 1,934 |
| Net interest margin | 2.9121% | 6,409 |
| Noninterest income to average assets | 0.1864% | 6,237 |
| Noninterest expense to average assets | 2.2636% | 5,836 |
| Loan and lease loss provision to assets | 0.0286% | 5,314 |
| Net operating income to assets | 0.4765% | 4,926 |
| Return on assets (ROA) | 0.4765% | 5,172 |
| Pretax return on assets | 0.6914% | 4,851 |
| Return on Equity (ROE) | 5.0911% | 4,766 |
| Retained earnings to average equity (ytd only) | 5.0911% | 3,231 |
| Net charge-offs to loans | 0.0273% | 4,996 |
| Credit loss provision to net charge-offs | 190.0000% | 1,488 |
| Earnings coverage of net charge-offs (x) | 47.9000% | 759 |
| Efficiency ratio | 75.8690% | 2,762 |
| Assets per employee ($millions) | 4.0486% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5522% | 6,979 |
| Loan loss allowance to noncurrent loans | 55.0607% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,324 |
| Noncurrent loans to loans | 1.0029% | 4,503 |
| Net loans and leases to total assets | 54.9942% | 4,633 |
| Net loans and leases to deposits | 61.0481% | 5,125 |
| Net loans and leases to core deposits | 61.6639% | 5,421 |
| Total domestic deposits to total assets | 90.0835% | 882 |
| Equity capital to assets | 9.4338% | 5,151 |
| Core capital (leverage) ratio | 9.6127% | 3,977 |
| Tier 1 risk-based capital ratio | 21.9362% | 1,309 |
| Total risk-based capital ratio | 22.6331% | 1,387 |
| Memoranda: | ||
| Average total assets | $133,060,000 | 4,141 |
| Average earning assets | $127,813,330 | 3,999 |
| Average equity | $12,453,000 | 4,515 |
| Average total loans | $73,292,000 | 4,304 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 5,945 |
| Cost of funding earning assets | 0.9712% | 2,151 |
| Net interest margin | 2.9606% | 6,373 |
| Noninterest income to average assets | 0.1958% | 6,213 |
| Noninterest expense to average assets | 2.2111% | 6,014 |
| Loan and lease loss provision to assets | 0.0211% | 5,074 |
| Net operating income to assets | 0.5452% | 4,621 |
| Return on assets (ROA) | 0.5452% | 4,833 |
| Pretax return on assets | 0.8103% | 4,373 |
| Return on Equity (ROE) | 5.8493% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.8493% | 3,046 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6733% | 3,315 |
| Assets per employee ($millions) | 4.0511% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5606% | 7,020 |
| Loan loss allowance to noncurrent loans | 52.5226% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 5,444 |
| Noncurrent loans to loans | 1.0674% | 4,569 |
| Net loans and leases to total assets | 53.8676% | 4,748 |
| Net loans and leases to deposits | 59.7156% | 5,188 |
| Net loans and leases to core deposits | 60.3153% | 5,500 |
| Total domestic deposits to total assets | 90.2070% | 965 |
| Equity capital to assets | 9.3263% | 5,058 |
| Core capital (leverage) ratio | 9.5050% | 4,041 |
| Tier 1 risk-based capital ratio | 22.2504% | 1,245 |
| Total risk-based capital ratio | 22.9614% | 1,307 |
| Memoranda: | ||
| Average total assets | $132,787,500 | 4,167 |
| Average earning assets | $127,678,500 | 4,022 |
| Average equity | $12,377,500 | 4,534 |
| Average total loans | $72,996,500 | 4,347 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 6,545 |
| Cost of funding earning assets | 1.1259% | 2,494 |
| Net interest margin | 2.8266% | 6,790 |
| Noninterest income to average assets | 0.1993% | 6,076 |
| Noninterest expense to average assets | 2.2038% | 6,261 |
| Loan and lease loss provision to assets | 0.0586% | 5,868 |
| Net operating income to assets | 0.4367% | 4,705 |
| Return on assets (ROA) | 0.4367% | 4,909 |
| Pretax return on assets | 0.6641% | 4,457 |
| Return on Equity (ROE) | 4.7521% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.7521% | 2,821 |
| Net charge-offs to loans | -0.1281% | 7,165 |
| Credit loss provision to net charge-offs | -77.7778% | 6,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3054% | 3,007 |
| Assets per employee ($millions) | 3.9966% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5423% | 7,071 |
| Loan loss allowance to noncurrent loans | 61.3846% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 5,735 |
| Noncurrent loans to loans | 0.8835% | 4,924 |
| Net loans and leases to total assets | 55.4819% | 4,797 |
| Net loans and leases to deposits | 61.4825% | 5,313 |
| Net loans and leases to core deposits | 62.1013% | 5,643 |
| Total domestic deposits to total assets | 90.2402% | 853 |
| Equity capital to assets | 9.3162% | 5,128 |
| Core capital (leverage) ratio | 9.4972% | 4,028 |
| Tier 1 risk-based capital ratio | 24.2540% | 945 |
| Total risk-based capital ratio | 25.0266% | 972 |
| Memoranda: | ||
| Average total assets | $131,452,600 | 4,140 |
| Average earning assets | $126,831,200 | 3,998 |
| Average equity | $12,078,800 | 4,534 |
| Average total loans | $77,305,600 | 4,234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 6,659 |
| Cost of funding earning assets | 1.1573% | 2,587 |
| Net interest margin | 2.7934% | 6,894 |
| Noninterest income to average assets | 0.2101% | 6,110 |
| Noninterest expense to average assets | 2.1703% | 6,342 |
| Loan and lease loss provision to assets | 0.0670% | 5,614 |
| Net operating income to assets | 0.4050% | 4,972 |
| Return on assets (ROA) | 0.4050% | 5,158 |
| Pretax return on assets | 0.6679% | 4,582 |
| Return on Equity (ROE) | 4.4234% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,579 |
| Net charge-offs to loans | -0.1687% | 7,243 |
| Credit loss provision to net charge-offs | -66.6667% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7030% | 3,048 |
| Assets per employee ($millions) | 4.0069% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5195% | 7,156 |
| Loan loss allowance to noncurrent loans | 60.7752% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 5,688 |
| Noncurrent loans to loans | 0.8548% | 5,158 |
| Net loans and leases to total assets | 56.7668% | 4,723 |
| Net loans and leases to deposits | 62.8609% | 5,309 |
| Net loans and leases to core deposits | 63.4883% | 5,671 |
| Total domestic deposits to total assets | 90.3053% | 719 |
| Equity capital to assets | 9.2523% | 5,445 |
| Core capital (leverage) ratio | 9.3405% | 4,393 |
| Tier 1 risk-based capital ratio | 23.5437% | 1,064 |
| Total risk-based capital ratio | 24.2909% | 1,123 |
| Memoranda: | ||
| Average total assets | $131,343,750 | 4,169 |
| Average earning assets | $126,725,250 | 4,021 |
| Average equity | $12,026,750 | 4,564 |
| Average total loans | $78,238,750 | 4,239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 6,719 |
| Cost of funding earning assets | 1.1733% | 2,757 |
| Net interest margin | 2.7894% | 6,935 |
| Noninterest income to average assets | 0.1938% | 6,280 |
| Noninterest expense to average assets | 2.1900% | 6,411 |
| Loan and lease loss provision to assets | 0.0534% | 5,645 |
| Net operating income to assets | 0.3739% | 5,061 |
| Return on assets (ROA) | 0.3739% | 5,208 |
| Pretax return on assets | 0.6425% | 4,599 |
| Return on Equity (ROE) | 4.0978% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.0978% | 3,589 |
| Net charge-offs to loans | -0.3107% | 7,352 |
| Credit loss provision to net charge-offs | -28.4553% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8858% | 3,034 |
| Assets per employee ($millions) | 3.9939% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4968% | 7,234 |
| Loan loss allowance to noncurrent loans | 44.1514% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 5,577 |
| Noncurrent loans to loans | 1.1252% | 4,779 |
| Net loans and leases to total assets | 58.5058% | 4,543 |
| Net loans and leases to deposits | 64.6842% | 5,190 |
| Net loans and leases to core deposits | 65.5196% | 5,562 |
| Total domestic deposits to total assets | 90.4483% | 737 |
| Equity capital to assets | 9.1655% | 5,329 |
| Core capital (leverage) ratio | 9.2540% | 4,319 |
| Tier 1 risk-based capital ratio | 23.0389% | 1,112 |
| Total risk-based capital ratio | 23.7661% | 1,165 |
| Memoranda: | ||
| Average total assets | $131,049,330 | 4,207 |
| Average earning assets | $126,477,000 | 4,058 |
| Average equity | $11,957,670 | 4,568 |
| Average total loans | $79,167,330 | 4,250 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 6,665 |
| Cost of funding earning assets | 1.1831% | 2,923 |
| Net interest margin | 2.8355% | 6,859 |
| Noninterest income to average assets | 0.1990% | 6,297 |
| Noninterest expense to average assets | 2.2376% | 6,334 |
| Loan and lease loss provision to assets | 0.0490% | 5,385 |
| Net operating income to assets | 0.3765% | 5,041 |
| Return on assets (ROA) | 0.3765% | 5,123 |
| Pretax return on assets | 0.6489% | 4,493 |
| Return on Equity (ROE) | 4.1357% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.1357% | 3,683 |
| Net charge-offs to loans | -0.8500% | 7,469 |
| Credit loss provision to net charge-offs | -9.4118% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2252% | 3,121 |
| Assets per employee ($millions) | 3.9798% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5510% | 7,254 |
| Loan loss allowance to noncurrent loans | 85.6582% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 6,092 |
| Noncurrent loans to loans | 0.6433% | 5,745 |
| Net loans and leases to total assets | 59.9141% | 4,282 |
| Net loans and leases to deposits | 66.2248% | 4,943 |
| Net loans and leases to core deposits | 66.9318% | 5,407 |
| Total domestic deposits to total assets | 90.4708% | 855 |
| Equity capital to assets | 9.1051% | 5,039 |
| Core capital (leverage) ratio | 9.1940% | 4,298 |
| Tier 1 risk-based capital ratio | 22.5465% | 1,137 |
| Total risk-based capital ratio | 23.3606% | 1,185 |
| Memoranda: | ||
| Average total assets | $130,674,500 | 4,241 |
| Average earning assets | $126,113,500 | 4,104 |
| Average equity | $11,896,500 | 4,577 |
| Average total loans | $80,003,500 | 4,253 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 6,542 |
| Cost of funding earning assets | 1.4888% | 2,709 |
| Net interest margin | 2.9510% | 6,818 |
| Noninterest income to average assets | 0.2146% | 6,279 |
| Noninterest expense to average assets | 2.3082% | 6,337 |
| Loan and lease loss provision to assets | 0.0720% | 6,427 |
| Net operating income to assets | 0.4206% | 4,461 |
| Return on assets (ROA) | 0.4206% | 4,586 |
| Pretax return on assets | 0.6731% | 4,079 |
| Return on Equity (ROE) | 4.6916% | 4,210 |
| Retained earnings to average equity (ytd only) | 4.6916% | 2,613 |
| Net charge-offs to loans | 0.0807% | 6,017 |
| Credit loss provision to net charge-offs | 136.7647% | 2,802 |
| Earnings coverage of net charge-offs (x) | 14.1471% | 1,364 |
| Efficiency ratio | 75.5961% | 3,110 |
| Assets per employee ($millions) | 3.9399% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3091% | 7,479 |
| Loan loss allowance to noncurrent loans | 34.0599% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 5,750 |
| Noncurrent loans to loans | 0.9075% | 5,242 |
| Net loans and leases to total assets | 62.0185% | 4,281 |
| Net loans and leases to deposits | 68.5337% | 5,032 |
| Net loans and leases to core deposits | 69.2702% | 5,511 |
| Total domestic deposits to total assets | 90.4935% | 838 |
| Equity capital to assets | 9.1027% | 4,987 |
| Core capital (leverage) ratio | 9.1925% | 4,180 |
| Tier 1 risk-based capital ratio | 22.1288% | 1,155 |
| Total risk-based capital ratio | 22.5917% | 1,243 |
| Memoranda: | ||
| Average total assets | $129,107,200 | 4,290 |
| Average earning assets | $124,194,200 | 4,149 |
| Average equity | $11,574,000 | 4,716 |
| Average total loans | $84,225,200 | 4,208 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 6,515 |
| Cost of funding earning assets | 1.5431% | 2,712 |
| Net interest margin | 2.9913% | 6,853 |
| Noninterest income to average assets | 0.2255% | 6,285 |
| Noninterest expense to average assets | 2.2863% | 6,368 |
| Loan and lease loss provision to assets | 0.0797% | 6,250 |
| Net operating income to assets | 0.4293% | 4,630 |
| Return on assets (ROA) | 0.4293% | 4,809 |
| Pretax return on assets | 0.7335% | 4,135 |
| Return on Equity (ROE) | 4.8078% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.8078% | 3,125 |
| Net charge-offs to loans | 0.0878% | 5,650 |
| Credit loss provision to net charge-offs | 137.5000% | 2,904 |
| Earnings coverage of net charge-offs (x) | 14.0366% | 1,543 |
| Efficiency ratio | 73.7650% | 3,367 |
| Assets per employee ($millions) | 4.0273% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2925% | 7,594 |
| Loan loss allowance to noncurrent loans | 34.4491% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 5,883 |
| Noncurrent loans to loans | 0.8490% | 5,524 |
| Net loans and leases to total assets | 65.3382% | 3,835 |
| Net loans and leases to deposits | 72.2378% | 4,805 |
| Net loans and leases to core deposits | 73.0158% | 5,404 |
| Total domestic deposits to total assets | 90.4488% | 660 |
| Equity capital to assets | 9.0942% | 5,451 |
| Core capital (leverage) ratio | 9.1746% | 4,414 |
| Tier 1 risk-based capital ratio | 21.5452% | 1,276 |
| Total risk-based capital ratio | 21.9953% | 1,382 |
| Memoranda: | ||
| Average total assets | $128,880,000 | 4,354 |
| Average earning assets | $123,821,000 | 4,204 |
| Average equity | $11,508,750 | 4,803 |
| Average total loans | $85,060,500 | 4,252 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 6,533 |
| Cost of funding earning assets | 1.5855% | 2,742 |
| Net interest margin | 2.9868% | 6,857 |
| Noninterest income to average assets | 0.2359% | 6,217 |
| Noninterest expense to average assets | 2.3106% | 6,327 |
| Loan and lease loss provision to assets | 0.0853% | 6,072 |
| Net operating income to assets | 0.4081% | 4,719 |
| Return on assets (ROA) | 0.4081% | 4,881 |
| Pretax return on assets | 0.7076% | 4,204 |
| Return on Equity (ROE) | 4.5986% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.5986% | 3,145 |
| Net charge-offs to loans | 0.0610% | 5,538 |
| Credit loss provision to net charge-offs | 211.5385% | 1,838 |
| Earnings coverage of net charge-offs (x) | 19.6538% | 1,249 |
| Efficiency ratio | 74.4500% | 3,386 |
| Assets per employee ($millions) | 3.8403% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2979% | 7,665 |
| Loan loss allowance to noncurrent loans | 33.2461% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 5,878 |
| Noncurrent loans to loans | 0.8961% | 5,480 |
| Net loans and leases to total assets | 65.1035% | 4,019 |
| Net loans and leases to deposits | 72.3897% | 4,931 |
| Net loans and leases to core deposits | 73.4162% | 5,507 |
| Total domestic deposits to total assets | 89.9348% | 948 |
| Equity capital to assets | 8.8597% | 5,658 |
| Core capital (leverage) ratio | 8.9384% | 4,700 |
| Tier 1 risk-based capital ratio | 20.9657% | 1,345 |
| Total risk-based capital ratio | 21.4220% | 1,453 |
| Memoranda: | ||
| Average total assets | $128,882,000 | 4,379 |
| Average earning assets | $123,746,330 | 4,237 |
| Average equity | $11,438,330 | 4,819 |
| Average total loans | $85,263,670 | 4,284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 6,419 |
| Cost of funding earning assets | 1.6121% | 2,884 |
| Net interest margin | 3.0352% | 6,753 |
| Noninterest income to average assets | 0.2718% | 5,982 |
| Noninterest expense to average assets | 2.3680% | 6,193 |
| Loan and lease loss provision to assets | 0.1031% | 5,594 |
| Net operating income to assets | 0.3999% | 4,839 |
| Return on assets (ROA) | 0.3999% | 4,981 |
| Pretax return on assets | 0.7123% | 4,191 |
| Return on Equity (ROE) | 4.5017% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.5017% | 3,458 |
| Net charge-offs to loans | 0.1079% | 4,344 |
| Credit loss provision to net charge-offs | 143.4783% | 2,479 |
| Earnings coverage of net charge-offs (x) | 11.3478% | 1,652 |
| Efficiency ratio | 74.3867% | 3,514 |
| Assets per employee ($millions) | 3.8915% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2755% | 7,766 |
| Loan loss allowance to noncurrent loans | 28.7638% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 5,673 |
| Noncurrent loans to loans | 0.9577% | 5,425 |
| Net loans and leases to total assets | 66.2495% | 3,796 |
| Net loans and leases to deposits | 73.8182% | 4,767 |
| Net loans and leases to core deposits | 74.6578% | 5,424 |
| Total domestic deposits to total assets | 89.7468% | 1,115 |
| Equity capital to assets | 8.9060% | 5,403 |
| Core capital (leverage) ratio | 8.9840% | 4,595 |
| Tier 1 risk-based capital ratio | 20.7840% | 1,374 |
| Total risk-based capital ratio | 21.2092% | 1,497 |
| Memoranda: | ||
| Average total assets | $128,038,500 | 4,455 |
| Average earning assets | $122,823,500 | 4,307 |
| Average equity | $11,373,500 | 4,879 |
| Average total loans | $85,266,000 | 4,342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 6,193 |
| Cost of funding earning assets | 2.0642% | 2,660 |
| Net interest margin | 3.0050% | 6,635 |
| Noninterest income to average assets | 0.2077% | 6,618 |
| Noninterest expense to average assets | 2.3061% | 6,733 |
| Loan and lease loss provision to assets | 0.1771% | 5,926 |
| Net operating income to assets | 0.3582% | 4,292 |
| Return on assets (ROA) | 0.3582% | 4,393 |
| Pretax return on assets | 0.6138% | 3,870 |
| Return on Equity (ROE) | 4.1068% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.1068% | 2,338 |
| Net charge-offs to loans | 0.2826% | 4,861 |
| Credit loss provision to net charge-offs | 95.3586% | 5,809 |
| Earnings coverage of net charge-offs (x) | 4.2574% | 3,009 |
| Efficiency ratio | 74.4622% | 3,799 |
| Assets per employee ($millions) | 3.8684% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2640% | 7,845 |
| Loan loss allowance to noncurrent loans | 22.7733% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 5,305 |
| Noncurrent loans to loans | 1.1594% | 5,008 |
| Net loans and leases to total assets | 66.5802% | 4,018 |
| Net loans and leases to deposits | 74.0194% | 5,034 |
| Net loans and leases to core deposits | 84.7298% | 5,653 |
| Total domestic deposits to total assets | 89.9497% | 989 |
| Equity capital to assets | 8.8596% | 5,340 |
| Core capital (leverage) ratio | 8.9374% | 4,527 |
| Tier 1 risk-based capital ratio | 20.6307% | 1,355 |
| Total risk-based capital ratio | 21.0394% | 1,462 |
| Memoranda: | ||
| Average total assets | $127,575,800 | 4,393 |
| Average earning assets | $122,660,600 | 4,247 |
| Average equity | $11,128,000 | 4,986 |
| Average total loans | $83,862,000 | 4,389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 6,149 |
| Cost of funding earning assets | 2.1446% | 2,682 |
| Net interest margin | 2.9931% | 6,629 |
| Noninterest income to average assets | 0.2091% | 6,730 |
| Noninterest expense to average assets | 2.3843% | 6,464 |
| Loan and lease loss provision to assets | 0.1369% | 5,982 |
| Net operating income to assets | 0.3125% | 4,750 |
| Return on assets (ROA) | 0.3125% | 4,854 |
| Pretax return on assets | 0.5676% | 4,307 |
| Return on Equity (ROE) | 3.5972% | 4,536 |
| Retained earnings to average equity (ytd only) | 3.5972% | 3,273 |
| Net charge-offs to loans | 0.2155% | 4,685 |
| Credit loss provision to net charge-offs | 97.0370% | 5,265 |
| Earnings coverage of net charge-offs (x) | 4.9924% | 2,956 |
| Efficiency ratio | 77.1912% | 3,288 |
| Assets per employee ($millions) | 3.8475% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2751% | 7,920 |
| Loan loss allowance to noncurrent loans | 39.3888% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 6,304 |
| Noncurrent loans to loans | 0.6985% | 5,903 |
| Net loans and leases to total assets | 66.2337% | 4,378 |
| Net loans and leases to deposits | 73.7462% | 5,392 |
| Net loans and leases to core deposits | 84.4404% | 6,010 |
| Total domestic deposits to total assets | 89.8131% | 839 |
| Equity capital to assets | 8.8503% | 5,710 |
| Core capital (leverage) ratio | 8.8617% | 4,882 |
| Tier 1 risk-based capital ratio | 21.8866% | 1,236 |
| Total risk-based capital ratio | 22.3417% | 1,339 |
| Memoranda: | ||
| Average total assets | $127,555,250 | 4,415 |
| Average earning assets | $122,722,250 | 4,284 |
| Average equity | $11,082,500 | 5,051 |
| Average total loans | $83,522,500 | 4,431 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 6,105 |
| Cost of funding earning assets | 2.2325% | 2,656 |
| Net interest margin | 2.9598% | 6,657 |
| Noninterest income to average assets | 0.2051% | 6,824 |
| Noninterest expense to average assets | 2.3984% | 6,463 |
| Loan and lease loss provision to assets | 0.1346% | 5,732 |
| Net operating income to assets | 0.2896% | 4,942 |
| Return on assets (ROA) | 0.2896% | 5,050 |
| Pretax return on assets | 0.5198% | 4,553 |
| Return on Equity (ROE) | 3.3542% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.3542% | 3,459 |
| Net charge-offs to loans | 0.3003% | 3,686 |
| Credit loss provision to net charge-offs | 68.8000% | 5,440 |
| Earnings coverage of net charge-offs (x) | 3.3440% | 3,473 |
| Efficiency ratio | 78.5641% | 3,262 |
| Assets per employee ($millions) | 3.8139% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2399% | 8,037 |
| Loan loss allowance to noncurrent loans | 20.5637% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 5,499 |
| Noncurrent loans to loans | 1.1666% | 4,885 |
| Net loans and leases to total assets | 65.0924% | 4,747 |
| Net loans and leases to deposits | 71.8178% | 5,756 |
| Net loans and leases to core deposits | 81.2899% | 6,300 |
| Total domestic deposits to total assets | 90.6355% | 580 |
| Equity capital to assets | 8.8346% | 5,549 |
| Core capital (leverage) ratio | 8.8488% | 4,865 |
| Tier 1 risk-based capital ratio | 20.8985% | 1,417 |
| Total risk-based capital ratio | 21.2681% | 1,541 |
| Memoranda: | ||
| Average total assets | $127,751,330 | 4,439 |
| Average earning assets | $122,913,670 | 4,292 |
| Average equity | $11,031,000 | 5,083 |
| Average total loans | $83,254,330 | 4,489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3108% | 5,853 |
| Cost of funding earning assets | 2.3647% | 2,444 |
| Net interest margin | 2.9462% | 6,625 |
| Noninterest income to average assets | 0.1741% | 7,062 |
| Noninterest expense to average assets | 2.3621% | 6,334 |
| Loan and lease loss provision to assets | 0.0932% | 5,764 |
| Net operating income to assets | 0.3295% | 5,163 |
| Return on assets (ROA) | 0.3295% | 5,351 |
| Pretax return on assets | 0.5532% | 4,901 |
| Return on Equity (ROE) | 3.8591% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,743 |
| Net charge-offs to loans | 0.3388% | 2,732 |
| Credit loss provision to net charge-offs | 42.2535% | 4,790 |
| Earnings coverage of net charge-offs (x) | 2.9296% | 3,333 |
| Efficiency ratio | 78.5124% | 3,081 |
| Assets per employee ($millions) | 3.8794% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2352% | 8,081 |
| Loan loss allowance to noncurrent loans | 19.1364% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 5,147 |
| Noncurrent loans to loans | 1.2293% | 4,512 |
| Net loans and leases to total assets | 64.5962% | 4,887 |
| Net loans and leases to deposits | 71.2191% | 5,838 |
| Net loans and leases to core deposits | 81.4266% | 6,273 |
| Total domestic deposits to total assets | 90.7007% | 515 |
| Equity capital to assets | 8.6237% | 5,881 |
| Core capital (leverage) ratio | 8.6376% | 5,275 |
| Tier 1 risk-based capital ratio | 20.5432% | 1,517 |
| Total risk-based capital ratio | 20.9055% | 1,637 |
| Memoranda: | ||
| Average total assets | $128,698,000 | 4,436 |
| Average earning assets | $123,822,500 | 4,289 |
| Average equity | $10,987,000 | 5,111 |
| Average total loans | $83,821,000 | 4,500 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6539% | 6,924 |
| Cost of funding earning assets | 2.9276% | 2,151 |
| Net interest margin | 2.7263% | 7,454 |
| Noninterest income to average assets | 0.2060% | 6,972 |
| Noninterest expense to average assets | 2.0959% | 7,247 |
| Loan and lease loss provision to assets | 0.0477% | 6,823 |
| Net operating income to assets | 0.4279% | 5,038 |
| Return on assets (ROA) | 0.4279% | 4,856 |
| Pretax return on assets | 0.6801% | 4,455 |
| Return on Equity (ROE) | 5.0294% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.0294% | 2,008 |
| Net charge-offs to loans | 0.0528% | 6,032 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 21.7857% | 1,509 |
| Efficiency ratio | 74.2254% | 3,535 |
| Assets per employee ($millions) | 3.9205% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2785% | 8,101 |
| Loan loss allowance to noncurrent loans | 20.4683% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 4,415 |
| Noncurrent loans to loans | 1.3605% | 3,799 |
| Net loans and leases to total assets | 65.3251% | 4,985 |
| Net loans and leases to deposits | 71.7293% | 6,087 |
| Net loans and leases to core deposits | 82.4175% | 6,422 |
| Total domestic deposits to total assets | 91.0718% | 308 |
| Equity capital to assets | 8.4513% | 6,172 |
| Core capital (leverage) ratio | 8.4652% | 5,633 |
| Tier 1 risk-based capital ratio | 19.7865% | 1,654 |
| Total risk-based capital ratio | 20.2128% | 1,776 |
| Memoranda: | ||
| Average total assets | $125,722,400 | 4,379 |
| Average earning assets | $120,713,200 | 4,240 |
| Average equity | $10,697,200 | 5,216 |
| Average total loans | $79,507,000 | 4,535 |