Home > Wrentham Co-operative Bank > Performance and Condition Ratios
Wrentham Co-operative Bank, 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 | 3.2277% | 4,477 |
| Cost of funding earning assets | 1.0429% | 3,205 |
| Net interest margin | 2.1847% | 4,329 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.2223% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0147% | 4,319 |
| Return on assets (ROA) | 0.0147% | 4,344 |
| Pretax return on assets | 0.0288% | 4,320 |
| Return on Equity (ROE) | 0.1300% | 4,332 |
| Retained earnings to average equity (ytd only) | 0.1307% | 4,018 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.7205% | 207 |
| Assets per employee ($millions) | 8.9668% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3881% | 4,392 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.8100% | 2,593 |
| Net loans and leases to deposits | 70.7083% | 2,837 |
| Net loans and leases to core deposits | 82.0406% | 2,581 |
| Total domestic deposits to total assets | 88.8200% | 1,113 |
| Equity capital to assets | 10.8802% | 1,538 |
| Core capital (leverage) ratio | 11.1523% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $156,237,000 | 3,309 |
| Average earning assets | $146,699,800 | 3,277 |
| Average equity | $17,603,000 | 3,045 |
| Average total loans | $93,782,000 | 3,245 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1731% | 4,493 |
| Cost of funding earning assets | 0.9035% | 3,265 |
| Net interest margin | 2.2696% | 4,316 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.2278% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0947% | 4,321 |
| Return on assets (ROA) | 0.0947% | 4,343 |
| Pretax return on assets | 0.1127% | 4,336 |
| Return on Equity (ROE) | 0.8300% | 4,331 |
| Retained earnings to average equity (ytd only) | 0.8327% | 3,980 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.1838% | 242 |
| Assets per employee ($millions) | 9.6642% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4005% | 4,409 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.5300% | 2,501 |
| Net loans and leases to deposits | 71.9285% | 2,712 |
| Net loans and leases to core deposits | 83.1981% | 2,378 |
| Total domestic deposits to total assets | 88.3200% | 1,468 |
| Equity capital to assets | 11.4133% | 1,210 |
| Core capital (leverage) ratio | 11.1075% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $154,945,500 | 3,329 |
| Average earning assets | $145,805,750 | 3,298 |
| Average equity | $17,613,500 | 3,031 |
| Average total loans | $91,786,000 | 3,265 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0930% | 4,529 |
| Cost of funding earning assets | 0.7452% | 3,364 |
| Net interest margin | 2.3478% | 4,337 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.2031% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1716% | 4,313 |
| Return on assets (ROA) | 0.1716% | 4,337 |
| Pretax return on assets | 0.1974% | 4,321 |
| Return on Equity (ROE) | 1.5100% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.5112% | 3,827 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.7786% | 303 |
| Assets per employee ($millions) | 9.7621% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4268% | 4,426 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.0000% | 2,868 |
| Net loans and leases to deposits | 66.7343% | 3,018 |
| Net loans and leases to core deposits | 77.5621% | 2,651 |
| Total domestic deposits to total assets | 88.4100% | 1,458 |
| Equity capital to assets | 11.3135% | 1,266 |
| Core capital (leverage) ratio | 11.3905% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $155,051,667 | 3,345 |
| Average earning assets | $146,006,333 | 3,310 |
| Average equity | $17,602,000 | 3,052 |
| Average total loans | $89,507,333 | 3,301 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9243% | 4,575 |
| Cost of funding earning assets | 0.5596% | 3,502 |
| Net interest margin | 2.3647% | 4,411 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.2165% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1528% | 4,399 |
| Return on assets (ROA) | 0.1528% | 4,375 |
| Pretax return on assets | 0.2046% | 4,337 |
| Return on Equity (ROE) | 1.3400% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.3434% | 3,815 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.5508% | 320 |
| Assets per employee ($millions) | 11.0379% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4477% | 4,475 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.8400% | 2,973 |
| Net loans and leases to deposits | 64.3658% | 3,057 |
| Net loans and leases to core deposits | 73.4643% | 2,721 |
| Total domestic deposits to total assets | 88.3100% | 1,811 |
| Equity capital to assets | 11.3874% | 1,193 |
| Core capital (leverage) ratio | 11.5446% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $154,480,500 | 3,387 |
| Average earning assets | $145,812,500 | 3,350 |
| Average equity | $17,567,500 | 3,080 |
| Average total loans | $87,988,500 | 3,355 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4494% | 4,518 |
| Cost of funding earning assets | 0.2451% | 3,363 |
| Net interest margin | 2.2042% | 4,476 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.9808% | 3,631 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.2788% | 4,385 |
| Return on assets (ROA) | 0.2788% | 4,359 |
| Pretax return on assets | 0.3269% | 4,356 |
| Return on Equity (ROE) | 2.5800% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.5841% | 3,824 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.9887% | 389 |
| Assets per employee ($millions) | 11.0307% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4502% | 4,475 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.5600% | 2,966 |
| Net loans and leases to deposits | 64.0054% | 3,040 |
| Net loans and leases to core deposits | 70.5425% | 2,836 |
| Total domestic deposits to total assets | 88.3700% | 1,940 |
| Equity capital to assets | 11.3566% | 1,125 |
| Core capital (leverage) ratio | 11.2384% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $159,986,600 | 3,345 |
| Average earning assets | $151,344,400 | 3,314 |
| Average equity | $17,259,400 | 3,187 |
| Average total loans | $86,566,800 | 3,325 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3004% | 4,534 |
| Cost of funding earning assets | 0.2208% | 3,028 |
| Net interest margin | 2.0796% | 4,529 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.9441% | 3,639 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.2313% | 4,445 |
| Return on assets (ROA) | 0.2313% | 4,409 |
| Pretax return on assets | 0.2570% | 4,418 |
| Return on Equity (ROE) | 2.1700% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.1718% | 3,986 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.9809% | 317 |
| Assets per employee ($millions) | 12.1547% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4469% | 4,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.6900% | 2,934 |
| Net loans and leases to deposits | 62.7234% | 2,965 |
| Net loans and leases to core deposits | 67.2072% | 2,865 |
| Total domestic deposits to total assets | 88.7800% | 2,172 |
| Equity capital to assets | 10.9942% | 1,181 |
| Core capital (leverage) ratio | 10.6479% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $161,375,750 | 3,361 |
| Average earning assets | $152,781,250 | 3,323 |
| Average equity | $17,189,750 | 3,225 |
| Average total loans | $86,273,500 | 3,338 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1464% | 4,589 |
| Cost of funding earning assets | 0.2093% | 2,799 |
| Net interest margin | 1.9371% | 4,583 |
| Noninterest income to average assets | 0.1748% | 4,131 |
| Noninterest expense to average assets | 1.8856% | 3,738 |
| Loan and lease loss provision to assets | 0.0025% | 2,567 |
| Net operating income to assets | 0.1145% | 4,503 |
| Return on assets (ROA) | 0.1145% | 4,469 |
| Pretax return on assets | 0.1206% | 4,472 |
| Return on Equity (ROE) | 1.0859% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.0859% | 3,977 |
| Net charge-offs to loans | 0.0023% | 2,011 |
| Credit loss provision to net charge-offs | 200.0000% | 963 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 813 |
| Efficiency ratio | 93.8725% | 291 |
| Assets per employee ($millions) | 10.9359% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5224% | 4,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.6600% | 3,198 |
| Net loans and leases to deposits | 57.8436% | 3,238 |
| Net loans and leases to core deposits | 60.6843% | 3,222 |
| Total domestic deposits to total assets | 89.3098% | 2,039 |
| Equity capital to assets | 10.4768% | 1,442 |
| Core capital (leverage) ratio | 10.4556% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,497,333 | 3,388 |
| Average earning assets | $153,836,333 | 3,358 |
| Average equity | $17,129,000 | 3,310 |
| Average total loans | $85,570,000 | 3,386 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0528% | 4,603 |
| Cost of funding earning assets | 0.2037% | 2,747 |
| Net interest margin | 1.8491% | 4,599 |
| Noninterest income to average assets | 0.1707% | 4,144 |
| Noninterest expense to average assets | 1.8797% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0346% | 4,522 |
| Return on assets (ROA) | 0.0346% | 4,501 |
| Pretax return on assets | 0.0420% | 4,494 |
| Return on Equity (ROE) | 0.3275% | 4,499 |
| Retained earnings to average equity (ytd only) | 0.3275% | 3,950 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8121% | 280 |
| Assets per employee ($millions) | 11.0014% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5234% | 4,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.1359% | 3,055 |
| Net loans and leases to deposits | 57.1981% | 3,157 |
| Net loans and leases to core deposits | 59.3225% | 3,205 |
| Total domestic deposits to total assets | 89.4013% | 1,867 |
| Equity capital to assets | 10.3672% | 1,647 |
| Core capital (leverage) ratio | 10.5530% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,727,000 | 3,408 |
| Average earning assets | $153,159,000 | 3,379 |
| Average equity | $17,100,500 | 3,389 |
| Average total loans | $85,761,500 | 3,391 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2604% | 4,605 |
| Cost of funding earning assets | 0.2521% | 2,901 |
| Net interest margin | 2.0083% | 4,598 |
| Noninterest income to average assets | 0.2120% | 4,101 |
| Noninterest expense to average assets | 1.9573% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1374% | 4,588 |
| Return on assets (ROA) | 0.1374% | 4,600 |
| Pretax return on assets | 0.1471% | 4,605 |
| Return on Equity (ROE) | 1.1721% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.1721% | 4,210 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0095% | 247 |
| Assets per employee ($millions) | 10.5622% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5121% | 4,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.4394% | 2,796 |
| Net loans and leases to deposits | 61.1989% | 2,971 |
| Net loans and leases to core deposits | 63.6170% | 3,017 |
| Total domestic deposits to total assets | 88.9550% | 1,537 |
| Equity capital to assets | 10.7888% | 1,942 |
| Core capital (leverage) ratio | 11.0396% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,788,400 | 3,535 |
| Average earning assets | $136,435,600 | 3,514 |
| Average equity | $16,977,800 | 3,464 |
| Average total loans | $78,980,600 | 3,500 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2929% | 4,676 |
| Cost of funding earning assets | 0.2676% | 2,929 |
| Net interest margin | 2.0254% | 4,667 |
| Noninterest income to average assets | 0.2197% | 4,087 |
| Noninterest expense to average assets | 1.9946% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1226% | 4,681 |
| Return on assets (ROA) | 0.1226% | 4,700 |
| Pretax return on assets | 0.1311% | 4,702 |
| Return on Equity (ROE) | 1.0227% | 4,691 |
| Retained earnings to average equity (ytd only) | 1.0227% | 4,410 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8332% | 233 |
| Assets per employee ($millions) | 10.2016% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 4,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.1478% | 2,713 |
| Net loans and leases to deposits | 63.9495% | 2,857 |
| Net loans and leases to core deposits | 66.3792% | 2,921 |
| Total domestic deposits to total assets | 87.8003% | 1,954 |
| Equity capital to assets | 11.9196% | 1,436 |
| Core capital (leverage) ratio | 11.8841% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,377,250 | 3,612 |
| Average earning assets | $133,043,000 | 3,582 |
| Average equity | $16,949,000 | 3,511 |
| Average total loans | $77,052,250 | 3,580 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2958% | 4,726 |
| Cost of funding earning assets | 0.2806% | 2,967 |
| Net interest margin | 2.0152% | 4,703 |
| Noninterest income to average assets | 0.2058% | 4,173 |
| Noninterest expense to average assets | 1.9958% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0994% | 4,711 |
| Return on assets (ROA) | 0.0994% | 4,727 |
| Pretax return on assets | 0.1065% | 4,726 |
| Return on Equity (ROE) | 0.8272% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.8272% | 4,377 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9359% | 238 |
| Assets per employee ($millions) | 9.5160% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 4,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.4704% | 3,084 |
| Net loans and leases to deposits | 62.0182% | 3,202 |
| Net loans and leases to core deposits | 65.7530% | 3,135 |
| Total domestic deposits to total assets | 87.8296% | 1,924 |
| Equity capital to assets | 11.8838% | 1,424 |
| Core capital (leverage) ratio | 11.7719% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,895,333 | 3,628 |
| Average earning assets | $132,592,333 | 3,603 |
| Average equity | $16,924,000 | 3,521 |
| Average total loans | $75,857,667 | 3,620 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3067% | 4,756 |
| Cost of funding earning assets | 0.2918% | 3,081 |
| Net interest margin | 2.0149% | 4,722 |
| Noninterest income to average assets | 0.2000% | 4,188 |
| Noninterest expense to average assets | 2.0204% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0600% | 4,748 |
| Return on assets (ROA) | 0.0600% | 4,757 |
| Pretax return on assets | 0.0743% | 4,745 |
| Return on Equity (ROE) | 0.4969% | 4,753 |
| Retained earnings to average equity (ytd only) | 0.4969% | 4,305 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4529% | 240 |
| Assets per employee ($millions) | 9.0014% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 4,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.1809% | 3,429 |
| Net loans and leases to deposits | 59.3308% | 3,539 |
| Net loans and leases to core deposits | 63.4821% | 3,457 |
| Total domestic deposits to total assets | 87.9491% | 1,869 |
| Equity capital to assets | 11.7447% | 1,417 |
| Core capital (leverage) ratio | 12.0663% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,973,000 | 3,642 |
| Average earning assets | $131,619,000 | 3,614 |
| Average equity | $16,904,500 | 3,517 |
| Average total loans | $74,689,000 | 3,659 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9173% | 4,696 |
| Cost of funding earning assets | 0.3893% | 3,652 |
| Net interest margin | 2.5280% | 4,564 |
| Noninterest income to average assets | 0.2233% | 4,160 |
| Noninterest expense to average assets | 2.2786% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3072% | 4,423 |
| Return on assets (ROA) | 0.3072% | 4,491 |
| Pretax return on assets | 0.3056% | 4,536 |
| Return on Equity (ROE) | 2.3402% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.3402% | 3,690 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1747% | 438 |
| Assets per employee ($millions) | 8.4953% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6018% | 4,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.9552% | 3,490 |
| Net loans and leases to deposits | 61.8406% | 3,616 |
| Net loans and leases to core deposits | 66.3704% | 3,512 |
| Total domestic deposits to total assets | 87.2488% | 1,822 |
| Equity capital to assets | 12.4290% | 1,354 |
| Core capital (leverage) ratio | 12.4731% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,621,600 | 3,661 |
| Average earning assets | $119,185,800 | 3,626 |
| Average equity | $16,750,400 | 3,478 |
| Average total loans | $75,120,800 | 3,645 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 4,687 |
| Cost of funding earning assets | 0.4087% | 3,772 |
| Net interest margin | 2.6583% | 4,517 |
| Noninterest income to average assets | 0.2273% | 4,134 |
| Noninterest expense to average assets | 2.3375% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3749% | 4,314 |
| Return on assets (ROA) | 0.3749% | 4,376 |
| Pretax return on assets | 0.3696% | 4,466 |
| Return on Equity (ROE) | 2.8158% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.8158% | 3,596 |
| Net charge-offs to loans | 0.0018% | 3,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 321 |
| Efficiency ratio | 86.3476% | 485 |
| Assets per employee ($millions) | 8.8837% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5935% | 4,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 55.8110% | 3,642 |
| Net loans and leases to deposits | 64.1179% | 3,789 |
| Net loans and leases to core deposits | 68.9086% | 3,701 |
| Total domestic deposits to total assets | 87.0444% | 1,651 |
| Equity capital to assets | 12.6479% | 1,351 |
| Core capital (leverage) ratio | 12.7168% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,546,000 | 3,673 |
| Average earning assets | $117,115,750 | 3,650 |
| Average equity | $16,714,500 | 3,477 |
| Average total loans | $75,455,500 | 3,652 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 4,639 |
| Cost of funding earning assets | 0.4283% | 3,909 |
| Net interest margin | 2.8790% | 4,342 |
| Noninterest income to average assets | 0.2098% | 4,232 |
| Noninterest expense to average assets | 2.4200% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4798% | 4,064 |
| Return on assets (ROA) | 0.4798% | 4,131 |
| Pretax return on assets | 0.4684% | 4,304 |
| Return on Equity (ROE) | 3.5397% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.5397% | 3,158 |
| Net charge-offs to loans | 0.0026% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 328 |
| Efficiency ratio | 83.7838% | 652 |
| Assets per employee ($millions) | 8.2694% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5884% | 4,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 56.6994% | 3,631 |
| Net loans and leases to deposits | 65.2316% | 3,787 |
| Net loans and leases to core deposits | 69.8039% | 3,723 |
| Total domestic deposits to total assets | 86.9201% | 1,652 |
| Equity capital to assets | 12.6952% | 1,285 |
| Core capital (leverage) ratio | 13.0712% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,976,333 | 3,689 |
| Average earning assets | $114,413,000 | 3,672 |
| Average equity | $16,668,000 | 3,486 |
| Average total loans | $75,669,000 | 3,655 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 3,991 |
| Cost of funding earning assets | 0.4524% | 4,144 |
| Net interest margin | 3.4693% | 3,083 |
| Noninterest income to average assets | 0.2299% | 4,172 |
| Noninterest expense to average assets | 2.5425% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6931% | 3,297 |
| Return on assets (ROA) | 0.6931% | 3,365 |
| Pretax return on assets | 0.9027% | 3,134 |
| Return on Equity (ROE) | 4.9387% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.9387% | 2,296 |
| Net charge-offs to loans | 0.0053% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 267 |
| Efficiency ratio | 73.7978% | 1,848 |
| Assets per employee ($millions) | 7.5044% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 4,786 |
| Loan loss allowance to noncurrent loans | 44,400.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,653 |
| Noncurrent loans to loans | 0.0013% | 4,584 |
| Net loans and leases to total assets | 63.2742% | 3,158 |
| Net loans and leases to deposits | 73.8171% | 3,289 |
| Net loans and leases to core deposits | 79.3520% | 3,250 |
| Total domestic deposits to total assets | 85.7176% | 2,122 |
| Equity capital to assets | 13.9134% | 1,089 |
| Core capital (leverage) ratio | 14.0635% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,309,500 | 3,729 |
| Average earning assets | $109,646,500 | 3,714 |
| Average equity | $16,603,500 | 3,505 |
| Average total loans | $75,772,000 | 3,645 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 4,983 |
| Cost of funding earning assets | 0.4235% | 4,366 |
| Net interest margin | 2.8205% | 4,743 |
| Noninterest income to average assets | 0.2682% | 4,074 |
| Noninterest expense to average assets | 2.4129% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3793% | 4,632 |
| Return on assets (ROA) | 0.3793% | 4,660 |
| Pretax return on assets | 0.4565% | 4,633 |
| Return on Equity (ROE) | 2.6822% | 4,710 |
| Retained earnings to average equity (ytd only) | 2.6822% | 3,697 |
| Net charge-offs to loans | 0.0027% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 314 |
| Efficiency ratio | 84.0895% | 651 |
| Assets per employee ($millions) | 7.2843% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 4,752 |
| Loan loss allowance to noncurrent loans | 44,500.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,697 |
| Noncurrent loans to loans | 0.0013% | 4,613 |
| Net loans and leases to total assets | 64.0775% | 3,191 |
| Net loans and leases to deposits | 74.9546% | 3,267 |
| Net loans and leases to core deposits | 78.5487% | 3,411 |
| Total domestic deposits to total assets | 85.4884% | 2,299 |
| Equity capital to assets | 14.1581% | 1,039 |
| Core capital (leverage) ratio | 14.0973% | 905 |
| Tier 1 risk-based capital ratio | 30.8274% | 447 |
| Total risk-based capital ratio | 31.7036% | 453 |
| Memoranda: | ||
| Average total assets | $115,216,000 | 3,760 |
| Average earning assets | $106,258,800 | 3,773 |
| Average equity | $16,292,600 | 3,520 |
| Average total loans | $74,950,200 | 3,680 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2662% | 5,078 |
| Cost of funding earning assets | 0.4132% | 4,453 |
| Net interest margin | 2.8531% | 4,808 |
| Noninterest income to average assets | 0.2693% | 4,130 |
| Noninterest expense to average assets | 2.3745% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4294% | 4,663 |
| Return on assets (ROA) | 0.4294% | 4,695 |
| Pretax return on assets | 0.5234% | 4,665 |
| Return on Equity (ROE) | 3.0376% | 4,758 |
| Retained earnings to average equity (ytd only) | 3.0376% | 3,873 |
| Net charge-offs to loans | 0.0036% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 225.2135% | 409 |
| Efficiency ratio | 81.9383% | 761 |
| Assets per employee ($millions) | 7.6665% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6013% | 4,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.8202% | 3,304 |
| Net loans and leases to deposits | 74.7426% | 3,413 |
| Net loans and leases to core deposits | 78.3684% | 3,525 |
| Total domestic deposits to total assets | 85.3867% | 2,258 |
| Equity capital to assets | 14.2907% | 1,044 |
| Core capital (leverage) ratio | 14.1803% | 937 |
| Tier 1 risk-based capital ratio | 30.5442% | 468 |
| Total risk-based capital ratio | 31.4140% | 471 |
| Memoranda: | ||
| Average total assets | $114,883,000 | 3,808 |
| Average earning assets | $105,848,250 | 3,824 |
| Average equity | $16,240,500 | 3,554 |
| Average total loans | $74,906,250 | 3,726 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2538% | 5,140 |
| Cost of funding earning assets | 0.3945% | 4,536 |
| Net interest margin | 2.8593% | 4,864 |
| Noninterest income to average assets | 0.2508% | 4,255 |
| Noninterest expense to average assets | 2.4294% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3762% | 4,767 |
| Return on assets (ROA) | 0.3762% | 4,787 |
| Pretax return on assets | 0.4598% | 4,754 |
| Return on Equity (ROE) | 2.6706% | 4,843 |
| Retained earnings to average equity (ytd only) | 2.6706% | 3,863 |
| Net charge-offs to loans | 0.0027% | 3,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 306 |
| Efficiency ratio | 84.0868% | 648 |
| Assets per employee ($millions) | 7.2359% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 4,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 63.6113% | 3,382 |
| Net loans and leases to deposits | 74.3178% | 3,496 |
| Net loans and leases to core deposits | 77.9092% | 3,587 |
| Total domestic deposits to total assets | 85.5936% | 2,226 |
| Equity capital to assets | 14.0626% | 1,093 |
| Core capital (leverage) ratio | 14.0995% | 938 |
| Tier 1 risk-based capital ratio | 30.3145% | 472 |
| Total risk-based capital ratio | 31.1896% | 477 |
| Memoranda: | ||
| Average total assets | $114,844,670 | 3,832 |
| Average earning assets | $105,968,670 | 3,840 |
| Average equity | $16,176,000 | 3,550 |
| Average total loans | $75,263,000 | 3,742 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 5,196 |
| Cost of funding earning assets | 0.3793% | 4,576 |
| Net interest margin | 2.8716% | 4,912 |
| Noninterest income to average assets | 0.2413% | 4,280 |
| Noninterest expense to average assets | 2.3746% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4092% | 4,711 |
| Return on assets (ROA) | 0.4092% | 4,724 |
| Pretax return on assets | 0.5141% | 4,651 |
| Return on Equity (ROE) | 2.9026% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.9026% | 3,776 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2034% | 854 |
| Assets per employee ($millions) | 7.6417% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5958% | 4,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 64.9160% | 3,177 |
| Net loans and leases to deposits | 75.9007% | 3,265 |
| Net loans and leases to core deposits | 79.3191% | 3,422 |
| Total domestic deposits to total assets | 85.5276% | 2,473 |
| Equity capital to assets | 14.1173% | 999 |
| Core capital (leverage) ratio | 14.1047% | 921 |
| Tier 1 risk-based capital ratio | 29.6672% | 491 |
| Total risk-based capital ratio | 30.5289% | 494 |
| Memoranda: | ||
| Average total assets | $114,379,500 | 3,880 |
| Average earning assets | $105,445,000 | 3,893 |
| Average equity | $16,123,500 | 3,564 |
| Average total loans | $75,849,000 | 3,770 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 5,166 |
| Cost of funding earning assets | 0.3199% | 4,467 |
| Net interest margin | 2.8489% | 4,974 |
| Noninterest income to average assets | 0.2631% | 4,357 |
| Noninterest expense to average assets | 2.3053% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4721% | 4,723 |
| Return on assets (ROA) | 0.3707% | 4,902 |
| Pretax return on assets | 0.4450% | 4,877 |
| Return on Equity (ROE) | 2.7346% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.7346% | 4,035 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2557% | 938 |
| Assets per employee ($millions) | 7.1334% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 5,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.9362% | 3,012 |
| Net loans and leases to deposits | 78.2227% | 3,139 |
| Net loans and leases to core deposits | 81.5258% | 3,302 |
| Total domestic deposits to total assets | 85.5713% | 2,407 |
| Equity capital to assets | 14.0756% | 941 |
| Core capital (leverage) ratio | 13.8951% | 951 |
| Tier 1 risk-based capital ratio | 28.9961% | 511 |
| Total risk-based capital ratio | 29.8444% | 526 |
| Memoranda: | ||
| Average total assets | $117,078,600 | 3,837 |
| Average earning assets | $107,233,400 | 3,850 |
| Average equity | $15,870,800 | 3,525 |
| Average total loans | $76,675,400 | 3,735 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1315% | 5,234 |
| Cost of funding earning assets | 0.3117% | 4,436 |
| Net interest margin | 2.8198% | 5,069 |
| Noninterest income to average assets | 0.2648% | 4,384 |
| Noninterest expense to average assets | 2.2679% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4651% | 4,830 |
| Return on assets (ROA) | 0.4651% | 4,838 |
| Pretax return on assets | 0.5772% | 4,768 |
| Return on Equity (ROE) | 3.4634% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.4634% | 4,037 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7136% | 972 |
| Assets per employee ($millions) | 7.7525% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 5,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.4932% | 3,124 |
| Net loans and leases to deposits | 77.5168% | 3,279 |
| Net loans and leases to core deposits | 80.4560% | 3,458 |
| Total domestic deposits to total assets | 85.7791% | 2,290 |
| Equity capital to assets | 13.7952% | 1,023 |
| Core capital (leverage) ratio | 13.5509% | 1,087 |
| Tier 1 risk-based capital ratio | 28.5145% | 542 |
| Total risk-based capital ratio | 29.3500% | 554 |
| Memoranda: | ||
| Average total assets | $117,814,750 | 3,861 |
| Average earning assets | $107,805,500 | 3,878 |
| Average equity | $15,822,250 | 3,556 |
| Average total loans | $76,633,750 | 3,769 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0891% | 5,295 |
| Cost of funding earning assets | 0.3091% | 4,358 |
| Net interest margin | 2.7800% | 5,142 |
| Noninterest income to average assets | 0.2485% | 4,518 |
| Noninterest expense to average assets | 2.2869% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4040% | 4,951 |
| Return on assets (ROA) | 0.4040% | 4,955 |
| Pretax return on assets | 0.5003% | 4,908 |
| Return on Equity (ROE) | 3.0351% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.0351% | 4,036 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0497% | 831 |
| Assets per employee ($millions) | 7.9035% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5741% | 5,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.0061% | 3,273 |
| Net loans and leases to deposits | 75.3871% | 3,402 |
| Net loans and leases to core deposits | 78.1618% | 3,565 |
| Total domestic deposits to total assets | 86.2297% | 2,176 |
| Equity capital to assets | 13.3857% | 1,142 |
| Core capital (leverage) ratio | 13.3966% | 1,100 |
| Tier 1 risk-based capital ratio | 27.5676% | 580 |
| Total risk-based capital ratio | 28.3841% | 593 |
| Memoranda: | ||
| Average total assets | $118,324,000 | 3,885 |
| Average earning assets | $108,059,000 | 3,911 |
| Average equity | $15,749,000 | 3,583 |
| Average total loans | $76,255,330 | 3,799 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0501% | 5,344 |
| Cost of funding earning assets | 0.3080% | 4,289 |
| Net interest margin | 2.7421% | 5,218 |
| Noninterest income to average assets | 0.2606% | 4,434 |
| Noninterest expense to average assets | 2.2773% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3925% | 4,939 |
| Return on assets (ROA) | 0.3925% | 4,947 |
| Pretax return on assets | 0.4839% | 4,897 |
| Return on Equity (ROE) | 2.9575% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.9575% | 4,015 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4755% | 907 |
| Assets per employee ($millions) | 7.8270% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5839% | 5,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.8277% | 3,197 |
| Net loans and leases to deposits | 75.1610% | 3,302 |
| Net loans and leases to core deposits | 77.9435% | 3,495 |
| Total domestic deposits to total assets | 86.2519% | 2,421 |
| Equity capital to assets | 13.4125% | 1,067 |
| Core capital (leverage) ratio | 13.3613% | 1,051 |
| Tier 1 risk-based capital ratio | 27.8501% | 568 |
| Total risk-based capital ratio | 28.6813% | 580 |
| Memoranda: | ||
| Average total assets | $118,210,000 | 3,930 |
| Average earning assets | $107,799,000 | 3,953 |
| Average equity | $15,689,000 | 3,624 |
| Average total loans | $75,627,500 | 3,844 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9850% | 5,366 |
| Cost of funding earning assets | 0.3171% | 3,985 |
| Net interest margin | 2.6680% | 5,303 |
| Noninterest income to average assets | 0.2938% | 4,354 |
| Noninterest expense to average assets | 2.5324% | 3,671 |
| Loan and lease loss provision to assets | -0.0312% | 5,356 |
| Net operating income to assets | 0.0347% | 5,324 |
| Return on assets (ROA) | 0.0347% | 5,328 |
| Pretax return on assets | 0.2357% | 5,275 |
| Return on Equity (ROE) | 0.2550% | 5,333 |
| Retained earnings to average equity (ytd only) | 0.2550% | 4,924 |
| Net charge-offs to loans | 0.0027% | 4,012 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 574 |
| Efficiency ratio | 92.5269% | 337 |
| Assets per employee ($millions) | 7.4384% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5984% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.3871% | 3,569 |
| Net loans and leases to deposits | 72.7178% | 3,626 |
| Net loans and leases to core deposits | 75.3501% | 3,795 |
| Total domestic deposits to total assets | 85.7934% | 2,535 |
| Equity capital to assets | 13.1336% | 1,201 |
| Core capital (leverage) ratio | 13.4608% | 984 |
| Tier 1 risk-based capital ratio | 27.8687% | 550 |
| Total risk-based capital ratio | 28.7067% | 563 |
| Memoranda: | ||
| Average total assets | $115,386,000 | 3,971 |
| Average earning assets | $105,660,600 | 3,992 |
| Average equity | $15,683,200 | 3,641 |
| Average total loans | $74,196,600 | 3,863 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9756% | 5,428 |
| Cost of funding earning assets | 0.3167% | 3,964 |
| Net interest margin | 2.6589% | 5,363 |
| Noninterest income to average assets | 0.3040% | 4,359 |
| Noninterest expense to average assets | 2.4738% | 3,812 |
| Loan and lease loss provision to assets | -0.0419% | 5,509 |
| Net operating income to assets | 0.2772% | 5,258 |
| Return on assets (ROA) | 0.2772% | 5,277 |
| Pretax return on assets | 0.3168% | 5,296 |
| Return on Equity (ROE) | 2.0217% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.0217% | 4,629 |
| Net charge-offs to loans | 0.0036% | 3,607 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | 117.8502% | 629 |
| Efficiency ratio | 90.0000% | 406 |
| Assets per employee ($millions) | 7.5740% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 5,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.9978% | 3,248 |
| Net loans and leases to deposits | 76.4565% | 3,328 |
| Net loans and leases to core deposits | 79.3765% | 3,502 |
| Total domestic deposits to total assets | 85.0128% | 2,707 |
| Equity capital to assets | 13.9336% | 1,015 |
| Core capital (leverage) ratio | 13.8732% | 923 |
| Tier 1 risk-based capital ratio | 28.5585% | 537 |
| Total risk-based capital ratio | 29.4065% | 547 |
| Memoranda: | ||
| Average total assets | $114,478,750 | 4,024 |
| Average earning assets | $105,253,500 | 4,044 |
| Average equity | $15,696,250 | 3,671 |
| Average total loans | $74,071,500 | 3,899 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9527% | 5,472 |
| Cost of funding earning assets | 0.3110% | 3,963 |
| Net interest margin | 2.6417% | 5,411 |
| Noninterest income to average assets | 0.2910% | 4,476 |
| Noninterest expense to average assets | 2.5094% | 3,717 |
| Loan and lease loss provision to assets | -0.0139% | 5,553 |
| Net operating income to assets | 0.1934% | 5,402 |
| Return on assets (ROA) | 0.1934% | 5,412 |
| Pretax return on assets | 0.2231% | 5,411 |
| Return on Equity (ROE) | 1.4184% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.4184% | 4,680 |
| Net charge-offs to loans | 0.0081% | 3,166 |
| Credit loss provision to net charge-offs | -266.6667% | 4,525 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,252 |
| Efficiency ratio | 92.3077% | 354 |
| Assets per employee ($millions) | 7.5340% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 5,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.0898% | 3,238 |
| Net loans and leases to deposits | 76.5440% | 3,282 |
| Net loans and leases to core deposits | 79.4818% | 3,458 |
| Total domestic deposits to total assets | 85.0358% | 2,789 |
| Equity capital to assets | 13.8952% | 1,001 |
| Core capital (leverage) ratio | 13.5656% | 978 |
| Tier 1 risk-based capital ratio | 27.7419% | 564 |
| Total risk-based capital ratio | 28.6199% | 576 |
| Memoranda: | ||
| Average total assets | $114,768,330 | 4,046 |
| Average earning assets | $105,462,330 | 4,063 |
| Average equity | $15,651,670 | 3,683 |
| Average total loans | $73,998,330 | 3,922 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 5,525 |
| Cost of funding earning assets | 0.3119% | 3,925 |
| Net interest margin | 2.6044% | 5,465 |
| Noninterest income to average assets | 0.2940% | 4,452 |
| Noninterest expense to average assets | 2.3900% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2387% | 5,328 |
| Return on assets (ROA) | 0.2387% | 5,341 |
| Pretax return on assets | 0.3009% | 5,309 |
| Return on Equity (ROE) | 1.7663% | 5,371 |
| Retained earnings to average equity (ytd only) | 1.7663% | 4,406 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8175% | 613 |
| Assets per employee ($millions) | 7.6533% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6539% | 5,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 64.1821% | 3,251 |
| Net loans and leases to deposits | 75.2139% | 3,280 |
| Net loans and leases to core deposits | 77.9949% | 3,472 |
| Total domestic deposits to total assets | 85.3328% | 2,945 |
| Equity capital to assets | 13.6420% | 1,024 |
| Core capital (leverage) ratio | 13.5231% | 969 |
| Tier 1 risk-based capital ratio | 27.3866% | 601 |
| Total risk-based capital ratio | 28.2749% | 614 |
| Memoranda: | ||
| Average total assets | $115,647,500 | 4,068 |
| Average earning assets | $106,433,500 | 4,077 |
| Average equity | $15,626,000 | 3,704 |
| Average total loans | $73,981,500 | 3,953 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9912% | 5,507 |
| Cost of funding earning assets | 0.3092% | 3,967 |
| Net interest margin | 2.6820% | 5,441 |
| Noninterest income to average assets | 0.3431% | 4,280 |
| Noninterest expense to average assets | 2.4561% | 4,140 |
| Loan and lease loss provision to assets | 0.0198% | 3,976 |
| Net operating income to assets | 0.2769% | 5,270 |
| Return on assets (ROA) | 0.2769% | 5,339 |
| Pretax return on assets | 0.3363% | 5,319 |
| Return on Equity (ROE) | 2.0856% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.0856% | 4,350 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3394% | 728 |
| Assets per employee ($millions) | 7.7663% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 5,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.9315% | 3,487 |
| Net loans and leases to deposits | 73.4832% | 3,568 |
| Net loans and leases to core deposits | 76.1390% | 3,741 |
| Total domestic deposits to total assets | 85.6406% | 2,760 |
| Equity capital to assets | 13.3834% | 1,099 |
| Core capital (leverage) ratio | 13.4698% | 985 |
| Tier 1 risk-based capital ratio | 27.4084% | 600 |
| Total risk-based capital ratio | 28.3015% | 603 |
| Memoranda: | ||
| Average total assets | $116,282,400 | 4,058 |
| Average earning assets | $107,046,200 | 4,056 |
| Average equity | $15,439,200 | 3,760 |
| Average total loans | $74,037,400 | 3,941 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 5,556 |
| Cost of funding earning assets | 0.3064% | 4,026 |
| Net interest margin | 2.7077% | 5,483 |
| Noninterest income to average assets | 0.3522% | 4,268 |
| Noninterest expense to average assets | 2.4365% | 4,172 |
| Loan and lease loss provision to assets | 0.0264% | 3,718 |
| Net operating income to assets | 0.3109% | 5,262 |
| Return on assets (ROA) | 0.3109% | 5,348 |
| Pretax return on assets | 0.3831% | 5,337 |
| Return on Equity (ROE) | 2.3460% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.3460% | 4,510 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6106% | 855 |
| Assets per employee ($millions) | 7.6606% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 5,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 64.2448% | 3,365 |
| Net loans and leases to deposits | 75.0943% | 3,487 |
| Net loans and leases to core deposits | 78.1709% | 3,651 |
| Total domestic deposits to total assets | 85.5520% | 2,579 |
| Equity capital to assets | 13.5246% | 1,237 |
| Core capital (leverage) ratio | 13.4290% | 1,027 |
| Tier 1 risk-based capital ratio | 27.2138% | 623 |
| Total risk-based capital ratio | 28.1034% | 636 |
| Memoranda: | ||
| Average total assets | $116,229,250 | 4,084 |
| Average earning assets | $107,050,500 | 4,084 |
| Average equity | $15,401,250 | 3,796 |
| Average total loans | $74,097,500 | 3,967 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0445% | 5,604 |
| Cost of funding earning assets | 0.3028% | 4,098 |
| Net interest margin | 2.7418% | 5,518 |
| Noninterest income to average assets | 0.2983% | 4,651 |
| Noninterest expense to average assets | 2.4479% | 4,192 |
| Loan and lease loss provision to assets | 0.0257% | 3,619 |
| Net operating income to assets | 0.2760% | 5,383 |
| Return on assets (ROA) | 0.2760% | 5,460 |
| Pretax return on assets | 0.3548% | 5,413 |
| Return on Equity (ROE) | 2.0971% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.0971% | 4,520 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5455% | 831 |
| Assets per employee ($millions) | 7.7625% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 5,625 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,849 |
| Noncurrent loans to loans | 0.2578% | 4,432 |
| Net loans and leases to total assets | 63.5463% | 3,430 |
| Net loans and leases to deposits | 74.0498% | 3,588 |
| Net loans and leases to core deposits | 77.2246% | 3,717 |
| Total domestic deposits to total assets | 85.8156% | 2,511 |
| Equity capital to assets | 13.2517% | 1,353 |
| Core capital (leverage) ratio | 13.0231% | 1,141 |
| Tier 1 risk-based capital ratio | 26.7626% | 666 |
| Total risk-based capital ratio | 27.6316% | 684 |
| Memoranda: | ||
| Average total assets | $116,669,330 | 4,112 |
| Average earning assets | $107,668,330 | 4,103 |
| Average equity | $15,354,670 | 3,820 |
| Average total loans | $74,027,000 | 3,999 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0352% | 5,662 |
| Cost of funding earning assets | 0.2924% | 4,255 |
| Net interest margin | 2.7428% | 5,552 |
| Noninterest income to average assets | 0.2911% | 4,640 |
| Noninterest expense to average assets | 2.3770% | 4,433 |
| Loan and lease loss provision to assets | 0.0274% | 3,304 |
| Net operating income to assets | 0.3185% | 5,247 |
| Return on assets (ROA) | 0.3185% | 5,330 |
| Pretax return on assets | 0.4247% | 5,255 |
| Return on Equity (ROE) | 2.4287% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.4287% | 4,286 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0194% | 1,156 |
| Assets per employee ($millions) | 7.3885% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6346% | 5,696 |
| Loan loss allowance to noncurrent loans | 244.5596% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 4,919 |
| Noncurrent loans to loans | 0.2595% | 4,510 |
| Net loans and leases to total assets | 62.5203% | 3,454 |
| Net loans and leases to deposits | 72.6086% | 3,589 |
| Net loans and leases to core deposits | 75.6528% | 3,709 |
| Total domestic deposits to total assets | 86.1059% | 2,630 |
| Equity capital to assets | 12.9965% | 1,410 |
| Core capital (leverage) ratio | 13.1627% | 1,099 |
| Tier 1 risk-based capital ratio | 26.3208% | 716 |
| Total risk-based capital ratio | 27.1654% | 727 |
| Memoranda: | ||
| Average total assets | $116,785,000 | 4,141 |
| Average earning assets | $108,065,500 | 4,125 |
| Average equity | $15,317,000 | 3,834 |
| Average total loans | $73,804,500 | 4,027 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1855% | 5,532 |
| Cost of funding earning assets | 0.3038% | 4,203 |
| Net interest margin | 2.8818% | 5,367 |
| Noninterest income to average assets | 0.3571% | 4,350 |
| Noninterest expense to average assets | 2.4437% | 4,400 |
| Loan and lease loss provision to assets | 0.0266% | 3,859 |
| Net operating income to assets | 0.4111% | 5,019 |
| Return on assets (ROA) | 0.4111% | 5,101 |
| Pretax return on assets | 0.5431% | 5,008 |
| Return on Equity (ROE) | 3.0869% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.0869% | 3,860 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0938% | 1,521 |
| Assets per employee ($millions) | 7.2096% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 5,773 |
| Loan loss allowance to noncurrent loans | 129.8851% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 4,396 |
| Noncurrent loans to loans | 0.4752% | 3,762 |
| Net loans and leases to total assets | 63.0893% | 3,394 |
| Net loans and leases to deposits | 73.4777% | 3,554 |
| Net loans and leases to core deposits | 75.5416% | 3,796 |
| Total domestic deposits to total assets | 85.8618% | 2,705 |
| Equity capital to assets | 13.2375% | 1,241 |
| Core capital (leverage) ratio | 13.2262% | 1,066 |
| Tier 1 risk-based capital ratio | 26.8559% | 681 |
| Total risk-based capital ratio | 27.7107% | 684 |
| Memoranda: | ||
| Average total assets | $112,860,400 | 4,198 |
| Average earning assets | $104,032,400 | 4,188 |
| Average equity | $15,031,400 | 3,833 |
| Average total loans | $70,741,000 | 4,077 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 5,542 |
| Cost of funding earning assets | 0.3080% | 4,244 |
| Net interest margin | 2.9229% | 5,368 |
| Noninterest income to average assets | 0.3659% | 4,314 |
| Noninterest expense to average assets | 2.4353% | 4,402 |
| Loan and lease loss provision to assets | 0.0273% | 3,706 |
| Net operating income to assets | 0.4467% | 4,986 |
| Return on assets (ROA) | 0.4467% | 5,072 |
| Pretax return on assets | 0.5975% | 4,978 |
| Return on Equity (ROE) | 3.3484% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.3484% | 4,089 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5807% | 1,719 |
| Assets per employee ($millions) | 6.6441% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 5,862 |
| Loan loss allowance to noncurrent loans | 127.1429% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 4,526 |
| Noncurrent loans to loans | 0.4885% | 3,888 |
| Net loans and leases to total assets | 63.0359% | 3,450 |
| Net loans and leases to deposits | 73.5793% | 3,590 |
| Net loans and leases to core deposits | 75.6913% | 3,829 |
| Total domestic deposits to total assets | 85.6707% | 2,706 |
| Equity capital to assets | 13.4413% | 1,258 |
| Core capital (leverage) ratio | 13.1758% | 1,146 |
| Tier 1 risk-based capital ratio | 26.7143% | 713 |
| Total risk-based capital ratio | 27.5554% | 726 |
| Memoranda: | ||
| Average total assets | $112,237,000 | 4,261 |
| Average earning assets | $103,456,250 | 4,252 |
| Average equity | $14,971,750 | 3,881 |
| Average total loans | $70,119,250 | 4,131 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 5,707 |
| Cost of funding earning assets | 0.3075% | 4,320 |
| Net interest margin | 2.8214% | 5,569 |
| Noninterest income to average assets | 0.3125% | 4,718 |
| Noninterest expense to average assets | 2.4482% | 4,405 |
| Loan and lease loss provision to assets | 0.0268% | 3,603 |
| Net operating income to assets | 0.3273% | 5,362 |
| Return on assets (ROA) | 0.3339% | 5,450 |
| Pretax return on assets | 0.4518% | 5,350 |
| Return on Equity (ROE) | 2.5098% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.5098% | 4,453 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9045% | 1,276 |
| Assets per employee ($millions) | 6.7225% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 5,973 |
| Loan loss allowance to noncurrent loans | 122.7920% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 4,651 |
| Noncurrent loans to loans | 0.4896% | 4,006 |
| Net loans and leases to total assets | 62.3505% | 3,502 |
| Net loans and leases to deposits | 72.5547% | 3,669 |
| Net loans and leases to core deposits | 76.1950% | 3,749 |
| Total domestic deposits to total assets | 85.9358% | 2,720 |
| Equity capital to assets | 13.1201% | 1,339 |
| Core capital (leverage) ratio | 13.2262% | 1,082 |
| Tier 1 risk-based capital ratio | 27.3538% | 684 |
| Total risk-based capital ratio | 28.2131% | 695 |
| Memoranda: | ||
| Average total assets | $111,999,330 | 4,299 |
| Average earning assets | $103,423,670 | 4,287 |
| Average equity | $14,901,670 | 3,910 |
| Average total loans | $69,611,000 | 4,173 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1735% | 5,692 |
| Cost of funding earning assets | 0.3048% | 4,389 |
| Net interest margin | 2.8687% | 5,509 |
| Noninterest income to average assets | 0.3103% | 4,706 |
| Noninterest expense to average assets | 2.4572% | 4,420 |
| Loan and lease loss provision to assets | 0.0289% | 3,302 |
| Net operating income to assets | 0.3406% | 5,277 |
| Return on assets (ROA) | 0.3536% | 5,357 |
| Pretax return on assets | 0.4907% | 5,203 |
| Return on Equity (ROE) | 2.6388% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.6388% | 4,365 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0488% | 1,486 |
| Assets per employee ($millions) | 6.9583% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 6,056 |
| Loan loss allowance to noncurrent loans | 123.3236% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 4,749 |
| Noncurrent loans to loans | 0.4925% | 4,098 |
| Net loans and leases to total assets | 62.1720% | 3,340 |
| Net loans and leases to deposits | 72.5791% | 3,485 |
| Net loans and leases to core deposits | 76.3288% | 3,561 |
| Total domestic deposits to total assets | 85.6610% | 3,112 |
| Equity capital to assets | 13.3878% | 1,224 |
| Core capital (leverage) ratio | 13.4769% | 981 |
| Tier 1 risk-based capital ratio | 28.1157% | 646 |
| Total risk-based capital ratio | 28.9891% | 652 |
| Memoranda: | ||
| Average total assets | $110,857,500 | 4,349 |
| Average earning assets | $102,347,500 | 4,337 |
| Average equity | $14,855,500 | 3,937 |
| Average total loans | $68,573,000 | 4,213 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 6,023 |
| Cost of funding earning assets | 0.3218% | 4,564 |
| Net interest margin | 2.7139% | 5,919 |
| Noninterest income to average assets | 0.3777% | 4,361 |
| Noninterest expense to average assets | 2.4358% | 4,740 |
| Loan and lease loss provision to assets | 0.0272% | 4,064 |
| Net operating income to assets | 0.3343% | 5,434 |
| Return on assets (ROA) | 0.3343% | 5,501 |
| Pretax return on assets | 0.4131% | 5,449 |
| Return on Equity (ROE) | 2.5262% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.5262% | 4,441 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6929% | 1,323 |
| Assets per employee ($millions) | 6.8989% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 6,121 |
| Loan loss allowance to noncurrent loans | 117.5141% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 4,760 |
| Noncurrent loans to loans | 0.5244% | 4,097 |
| Net loans and leases to total assets | 60.7789% | 3,678 |
| Net loans and leases to deposits | 70.9584% | 3,790 |
| Net loans and leases to core deposits | 73.0276% | 4,024 |
| Total domestic deposits to total assets | 85.6544% | 3,008 |
| Equity capital to assets | 13.4134% | 1,188 |
| Core capital (leverage) ratio | 13.2255% | 1,047 |
| Tier 1 risk-based capital ratio | 28.6727% | 586 |
| Total risk-based capital ratio | 29.5558% | 585 |
| Memoranda: | ||
| Average total assets | $110,394,800 | 4,373 |
| Average earning assets | $101,623,800 | 4,361 |
| Average equity | $14,606,800 | 3,911 |
| Average total loans | $66,743,800 | 4,275 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0163% | 6,122 |
| Cost of funding earning assets | 0.3242% | 4,626 |
| Net interest margin | 2.6921% | 6,014 |
| Noninterest income to average assets | 0.3406% | 4,714 |
| Noninterest expense to average assets | 2.4094% | 4,795 |
| Loan and lease loss provision to assets | 0.0278% | 3,850 |
| Net operating income to assets | 0.3031% | 5,566 |
| Return on assets (ROA) | 0.3031% | 5,644 |
| Pretax return on assets | 0.3804% | 5,620 |
| Return on Equity (ROE) | 2.2990% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.2990% | 4,907 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5122% | 1,233 |
| Assets per employee ($millions) | 6.9279% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6128% | 6,208 |
| Loan loss allowance to noncurrent loans | 115.2542% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 4,996 |
| Noncurrent loans to loans | 0.5317% | 4,341 |
| Net loans and leases to total assets | 59.6940% | 3,844 |
| Net loans and leases to deposits | 69.5242% | 3,972 |
| Net loans and leases to core deposits | 71.7302% | 4,177 |
| Total domestic deposits to total assets | 85.8607% | 2,926 |
| Equity capital to assets | 13.2498% | 1,304 |
| Core capital (leverage) ratio | 13.1975% | 1,101 |
| Tier 1 risk-based capital ratio | 28.6811% | 599 |
| Total risk-based capital ratio | 29.5559% | 606 |
| Memoranda: | ||
| Average total assets | $110,398,000 | 4,413 |
| Average earning assets | $101,579,000 | 4,400 |
| Average equity | $14,557,000 | 3,941 |
| Average total loans | $66,553,500 | 4,317 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0048% | 6,173 |
| Cost of funding earning assets | 0.3273% | 4,673 |
| Net interest margin | 2.6775% | 6,073 |
| Noninterest income to average assets | 0.3592% | 4,547 |
| Noninterest expense to average assets | 2.4418% | 4,764 |
| Loan and lease loss provision to assets | 0.0272% | 3,726 |
| Net operating income to assets | 0.2939% | 5,583 |
| Return on assets (ROA) | 0.2939% | 5,651 |
| Pretax return on assets | 0.3537% | 5,671 |
| Return on Equity (ROE) | 2.2324% | 5,783 |
| Retained earnings to average equity (ytd only) | 2.2324% | 4,773 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5039% | 1,226 |
| Assets per employee ($millions) | 6.5015% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 6,308 |
| Loan loss allowance to noncurrent loans | 113.8418% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 5,096 |
| Noncurrent loans to loans | 0.5311% | 4,419 |
| Net loans and leases to total assets | 59.9412% | 3,724 |
| Net loans and leases to deposits | 69.7508% | 3,854 |
| Net loans and leases to core deposits | 71.7675% | 4,071 |
| Total domestic deposits to total assets | 85.9362% | 3,071 |
| Equity capital to assets | 13.2079% | 1,267 |
| Core capital (leverage) ratio | 13.1100% | 1,121 |
| Tier 1 risk-based capital ratio | 28.5374% | 611 |
| Total risk-based capital ratio | 29.3995% | 622 |
| Memoranda: | ||
| Average total assets | $110,248,330 | 4,443 |
| Average earning assets | $101,438,330 | 4,426 |
| Average equity | $14,513,670 | 3,942 |
| Average total loans | $66,545,670 | 4,339 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 6,244 |
| Cost of funding earning assets | 0.3239% | 4,811 |
| Net interest margin | 2.6743% | 6,135 |
| Noninterest income to average assets | 0.3487% | 4,585 |
| Noninterest expense to average assets | 2.4775% | 4,692 |
| Loan and lease loss provision to assets | 0.0291% | 3,443 |
| Net operating income to assets | 0.2579% | 5,638 |
| Return on assets (ROA) | 0.2579% | 5,679 |
| Pretax return on assets | 0.3015% | 5,712 |
| Return on Equity (ROE) | 1.9625% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.9625% | 4,815 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2277% | 1,206 |
| Assets per employee ($millions) | 6.4949% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5968% | 6,413 |
| Loan loss allowance to noncurrent loans | 190.8213% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 5,660 |
| Noncurrent loans to loans | 0.3128% | 5,167 |
| Net loans and leases to total assets | 59.5827% | 3,623 |
| Net loans and leases to deposits | 69.2546% | 3,697 |
| Net loans and leases to core deposits | 71.6533% | 3,904 |
| Total domestic deposits to total assets | 86.0343% | 3,351 |
| Equity capital to assets | 13.1389% | 1,238 |
| Core capital (leverage) ratio | 13.1564% | 1,103 |
| Tier 1 risk-based capital ratio | 28.6462% | 599 |
| Total risk-based capital ratio | 29.5012% | 607 |
| Memoranda: | ||
| Average total assets | $110,110,000 | 4,485 |
| Average earning assets | $101,262,000 | 4,475 |
| Average equity | $14,471,500 | 3,954 |
| Average total loans | $66,492,000 | 4,373 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0330% | 6,309 |
| Cost of funding earning assets | 0.3548% | 5,092 |
| Net interest margin | 2.6782% | 6,168 |
| Noninterest income to average assets | 0.3752% | 4,630 |
| Noninterest expense to average assets | 2.4327% | 4,980 |
| Loan and lease loss provision to assets | 0.0275% | 4,579 |
| Net operating income to assets | 0.3158% | 5,469 |
| Return on assets (ROA) | 0.3158% | 5,568 |
| Pretax return on assets | 0.3817% | 5,532 |
| Return on Equity (ROE) | 2.4189% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.4189% | 4,527 |
| Net charge-offs to loans | 0.0048% | 5,384 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 310 |
| Efficiency ratio | 85.6039% | 1,452 |
| Assets per employee ($millions) | 6.8629% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5808% | 6,497 |
| Loan loss allowance to noncurrent loans | 187.4396% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 5,744 |
| Noncurrent loans to loans | 0.3099% | 5,256 |
| Net loans and leases to total assets | 60.4825% | 3,630 |
| Net loans and leases to deposits | 70.2868% | 3,748 |
| Net loans and leases to core deposits | 72.9455% | 3,956 |
| Total domestic deposits to total assets | 86.0510% | 3,237 |
| Equity capital to assets | 13.1467% | 1,210 |
| Core capital (leverage) ratio | 13.1623% | 1,076 |
| Tier 1 risk-based capital ratio | 28.1546% | 600 |
| Total risk-based capital ratio | 28.9855% | 612 |
| Memoranda: | ||
| Average total assets | $109,261,200 | 4,513 |
| Average earning assets | $100,626,800 | 4,492 |
| Average equity | $14,262,600 | 4,013 |
| Average total loans | $62,994,200 | 4,514 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0369% | 6,387 |
| Cost of funding earning assets | 0.3579% | 5,216 |
| Net interest margin | 2.6790% | 6,209 |
| Noninterest income to average assets | 0.3727% | 4,728 |
| Noninterest expense to average assets | 2.4412% | 4,902 |
| Loan and lease loss provision to assets | 0.0269% | 4,473 |
| Net operating income to assets | 0.3140% | 5,566 |
| Return on assets (ROA) | 0.3140% | 5,682 |
| Pretax return on assets | 0.3739% | 5,698 |
| Return on Equity (ROE) | 2.4098% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.4098% | 4,886 |
| Net charge-offs to loans | 0.0064% | 5,043 |
| Credit loss provision to net charge-offs | 733.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 109.3300% | 465 |
| Efficiency ratio | 85.8985% | 1,368 |
| Assets per employee ($millions) | 7.7412% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5805% | 6,589 |
| Loan loss allowance to noncurrent loans | 183.0918% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 5,869 |
| Noncurrent loans to loans | 0.3170% | 5,436 |
| Net loans and leases to total assets | 59.8974% | 3,710 |
| Net loans and leases to deposits | 69.4100% | 3,867 |
| Net loans and leases to core deposits | 72.0685% | 4,080 |
| Total domestic deposits to total assets | 86.2951% | 3,082 |
| Equity capital to assets | 13.2390% | 1,226 |
| Core capital (leverage) ratio | 13.1381% | 1,149 |
| Tier 1 risk-based capital ratio | 28.5311% | 591 |
| Total risk-based capital ratio | 29.3623% | 613 |
| Memoranda: | ||
| Average total assets | $109,124,750 | 4,550 |
| Average earning assets | $100,582,500 | 4,543 |
| Average equity | $14,219,250 | 4,075 |
| Average total loans | $62,042,250 | 4,581 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0071% | 6,444 |
| Cost of funding earning assets | 0.3601% | 5,315 |
| Net interest margin | 2.6470% | 6,274 |
| Noninterest income to average assets | 0.3694% | 4,758 |
| Noninterest expense to average assets | 2.4375% | 4,938 |
| Loan and lease loss provision to assets | 0.0274% | 4,380 |
| Net operating income to assets | 0.2981% | 5,607 |
| Return on assets (ROA) | 0.2981% | 5,756 |
| Pretax return on assets | 0.3511% | 5,748 |
| Return on Equity (ROE) | 2.2996% | 5,860 |
| Retained earnings to average equity (ytd only) | 2.2996% | 4,822 |
| Net charge-offs to loans | 0.0098% | 4,686 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 644 |
| Efficiency ratio | 86.5584% | 1,361 |
| Assets per employee ($millions) | 7.3563% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5912% | 6,626 |
| Loan loss allowance to noncurrent loans | 180.1932% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,933 |
| Noncurrent loans to loans | 0.3281% | 5,474 |
| Net loans and leases to total assets | 56.8417% | 4,158 |
| Net loans and leases to deposits | 65.6081% | 4,314 |
| Net loans and leases to core deposits | 68.0592% | 4,490 |
| Total domestic deposits to total assets | 86.6383% | 3,037 |
| Equity capital to assets | 12.9177% | 1,375 |
| Core capital (leverage) ratio | 12.8359% | 1,238 |
| Tier 1 risk-based capital ratio | 28.9028% | 575 |
| Total risk-based capital ratio | 29.7362% | 593 |
| Memoranda: | ||
| Average total assets | $109,374,000 | 4,577 |
| Average earning assets | $101,095,000 | 4,552 |
| Average equity | $14,176,330 | 4,116 |
| Average total loans | $60,958,330 | 4,646 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0930% | 6,406 |
| Cost of funding earning assets | 0.3742% | 5,328 |
| Net interest margin | 2.7188% | 6,190 |
| Noninterest income to average assets | 0.3710% | 4,695 |
| Noninterest expense to average assets | 2.4465% | 4,959 |
| Loan and lease loss provision to assets | 0.0294% | 4,088 |
| Net operating income to assets | 0.3343% | 5,427 |
| Return on assets (ROA) | 0.3343% | 5,564 |
| Pretax return on assets | 0.4041% | 5,548 |
| Return on Equity (ROE) | 2.5747% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.5747% | 4,734 |
| Net charge-offs to loans | 0.0067% | 4,022 |
| Credit loss provision to net charge-offs | 800.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 325 |
| Efficiency ratio | 84.9490% | 1,645 |
| Assets per employee ($millions) | 7.2523% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 6,684 |
| Loan loss allowance to noncurrent loans | 177.2947% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 6,003 |
| Noncurrent loans to loans | 0.3478% | 5,526 |
| Net loans and leases to total assets | 54.3742% | 4,349 |
| Net loans and leases to deposits | 62.8404% | 4,439 |
| Net loans and leases to core deposits | 65.5166% | 4,591 |
| Total domestic deposits to total assets | 86.5276% | 3,219 |
| Equity capital to assets | 13.0376% | 1,412 |
| Core capital (leverage) ratio | 13.0453% | 1,098 |
| Tier 1 risk-based capital ratio | 29.5215% | 557 |
| Total risk-based capital ratio | 30.3665% | 567 |
| Memoranda: | ||
| Average total assets | $108,888,500 | 4,636 |
| Average earning assets | $100,486,500 | 4,607 |
| Average equity | $14,137,500 | 4,172 |
| Average total loans | $59,890,000 | 4,709 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 6,677 |
| Cost of funding earning assets | 0.4803% | 5,347 |
| Net interest margin | 2.6891% | 6,533 |
| Noninterest income to average assets | 0.3913% | 4,676 |
| Noninterest expense to average assets | 2.3643% | 5,517 |
| Loan and lease loss provision to assets | 0.0275% | 5,554 |
| Net operating income to assets | 0.3803% | 5,180 |
| Return on assets (ROA) | 0.3803% | 5,408 |
| Pretax return on assets | 0.4774% | 5,346 |
| Return on Equity (ROE) | 2.9887% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.9887% | 4,127 |
| Net charge-offs to loans | 0.0910% | 4,760 |
| Credit loss provision to net charge-offs | 60.0000% | 4,443 |
| Earnings coverage of net charge-offs (x) | 11.0200% | 2,078 |
| Efficiency ratio | 82.4018% | 1,819 |
| Assets per employee ($millions) | 6.8120% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 6,760 |
| Loan loss allowance to noncurrent loans | 69.4231% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 5,278 |
| Noncurrent loans to loans | 0.8629% | 4,457 |
| Net loans and leases to total assets | 54.9591% | 4,457 |
| Net loans and leases to deposits | 63.4115% | 4,614 |
| Net loans and leases to core deposits | 66.4865% | 4,689 |
| Total domestic deposits to total assets | 86.6706% | 3,016 |
| Equity capital to assets | 12.9294% | 1,481 |
| Core capital (leverage) ratio | 12.9787% | 1,117 |
| Tier 1 risk-based capital ratio | 29.1314% | 550 |
| Total risk-based capital ratio | 29.9562% | 568 |
| Memoranda: | ||
| Average total assets | $109,123,800 | 4,613 |
| Average earning assets | $100,555,800 | 4,585 |
| Average equity | $13,885,800 | 4,183 |
| Average total loans | $54,947,600 | 4,904 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1873% | 6,802 |
| Cost of funding earning assets | 0.5007% | 5,433 |
| Net interest margin | 2.6865% | 6,664 |
| Noninterest income to average assets | 0.3896% | 4,713 |
| Noninterest expense to average assets | 2.3428% | 5,565 |
| Loan and lease loss provision to assets | 0.0281% | 5,432 |
| Net operating income to assets | 0.3909% | 5,283 |
| Return on assets (ROA) | 0.3909% | 5,495 |
| Pretax return on assets | 0.4959% | 5,477 |
| Return on Equity (ROE) | 3.0841% | 5,648 |
| Retained earnings to average equity (ytd only) | 3.0841% | 4,702 |
| Net charge-offs to loans | 0.0647% | 4,775 |
| Credit loss provision to net charge-offs | 88.4615% | 3,348 |
| Earnings coverage of net charge-offs (x) | 16.4981% | 1,689 |
| Efficiency ratio | 81.7213% | 1,839 |
| Assets per employee ($millions) | 7.1947% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 6,797 |
| Loan loss allowance to noncurrent loans | 62.2112% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 5,268 |
| Noncurrent loans to loans | 1.0612% | 4,314 |
| Net loans and leases to total assets | 52.5667% | 4,974 |
| Net loans and leases to deposits | 60.6693% | 5,128 |
| Net loans and leases to core deposits | 64.2149% | 5,128 |
| Total domestic deposits to total assets | 86.6447% | 2,886 |
| Equity capital to assets | 12.9689% | 1,601 |
| Core capital (leverage) ratio | 12.6728% | 1,334 |
| Tier 1 risk-based capital ratio | 29.2253% | 568 |
| Total risk-based capital ratio | 30.0919% | 588 |
| Memoranda: | ||
| Average total assets | $109,156,750 | 4,661 |
| Average earning assets | $100,647,250 | 4,629 |
| Average equity | $13,834,250 | 4,230 |
| Average total loans | $53,619,000 | 5,007 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2154% | 6,862 |
| Cost of funding earning assets | 0.5164% | 5,512 |
| Net interest margin | 2.6990% | 6,708 |
| Noninterest income to average assets | 0.3870% | 4,750 |
| Noninterest expense to average assets | 2.3510% | 5,618 |
| Loan and lease loss provision to assets | 0.0274% | 5,327 |
| Net operating income to assets | 0.3924% | 5,232 |
| Return on assets (ROA) | 0.3924% | 5,477 |
| Pretax return on assets | 0.4983% | 5,436 |
| Return on Equity (ROE) | 3.1204% | 5,641 |
| Retained earnings to average equity (ytd only) | 3.1204% | 4,550 |
| Net charge-offs to loans | 0.0991% | 4,176 |
| Credit loss provision to net charge-offs | 57.6923% | 3,862 |
| Earnings coverage of net charge-offs (x) | 11.0769% | 1,996 |
| Efficiency ratio | 81.7259% | 1,921 |
| Assets per employee ($millions) | 7.3511% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 6,866 |
| Loan loss allowance to noncurrent loans | 87.2642% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 5,809 |
| Noncurrent loans to loans | 0.7618% | 4,984 |
| Net loans and leases to total assets | 50.1433% | 5,335 |
| Net loans and leases to deposits | 57.6134% | 5,494 |
| Net loans and leases to core deposits | 60.7146% | 5,520 |
| Total domestic deposits to total assets | 87.0341% | 2,745 |
| Equity capital to assets | 12.5986% | 1,751 |
| Core capital (leverage) ratio | 12.4724% | 1,366 |
| Tier 1 risk-based capital ratio | 29.2765% | 556 |
| Total risk-based capital ratio | 30.1364% | 564 |
| Memoranda: | ||
| Average total assets | $109,569,000 | 4,679 |
| Average earning assets | $101,074,670 | 4,642 |
| Average equity | $13,780,330 | 4,237 |
| Average total loans | $52,456,330 | 5,089 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 6,943 |
| Cost of funding earning assets | 0.5518% | 5,486 |
| Net interest margin | 2.6480% | 6,836 |
| Noninterest income to average assets | 0.3845% | 4,789 |
| Noninterest expense to average assets | 2.3659% | 5,581 |
| Loan and lease loss provision to assets | 0.0293% | 4,997 |
| Net operating income to assets | 0.3516% | 5,470 |
| Return on assets (ROA) | 0.3516% | 5,644 |
| Pretax return on assets | 0.4322% | 5,639 |
| Return on Equity (ROE) | 2.7979% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.7979% | 4,858 |
| Net charge-offs to loans | 0.0629% | 3,866 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,407 |
| Efficiency ratio | 83.6788% | 1,717 |
| Assets per employee ($millions) | 7.3436% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 6,717 |
| Loan loss allowance to noncurrent loans | 98.8208% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 5,899 |
| Noncurrent loans to loans | 0.8205% | 5,038 |
| Net loans and leases to total assets | 46.5312% | 5,728 |
| Net loans and leases to deposits | 53.3733% | 5,870 |
| Net loans and leases to core deposits | 56.4748% | 5,864 |
| Total domestic deposits to total assets | 87.1807% | 2,842 |
| Equity capital to assets | 12.5034% | 1,717 |
| Core capital (leverage) ratio | 12.5509% | 1,321 |
| Tier 1 risk-based capital ratio | 30.1887% | 510 |
| Total risk-based capital ratio | 31.1071% | 519 |
| Memoranda: | ||
| Average total assets | $109,220,500 | 4,724 |
| Average earning assets | $100,754,500 | 4,680 |
| Average equity | $13,724,500 | 4,251 |
| Average total loans | $50,854,000 | 5,193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 7,078 |
| Cost of funding earning assets | 0.6757% | 5,680 |
| Net interest margin | 2.6737% | 6,947 |
| Noninterest income to average assets | 0.3629% | 4,912 |
| Noninterest expense to average assets | 2.3933% | 5,792 |
| Loan and lease loss provision to assets | 0.0276% | 6,229 |
| Net operating income to assets | 0.3289% | 5,153 |
| Return on assets (ROA) | 0.3289% | 5,302 |
| Pretax return on assets | 0.4107% | 5,263 |
| Return on Equity (ROE) | 2.6562% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.6562% | 4,338 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5230% | 1,708 |
| Assets per employee ($millions) | 6.7679% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 6,670 |
| Loan loss allowance to noncurrent loans | 97.2158% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 5,975 |
| Noncurrent loans to loans | 0.8614% | 4,966 |
| Net loans and leases to total assets | 45.8171% | 6,028 |
| Net loans and leases to deposits | 52.6364% | 6,160 |
| Net loans and leases to core deposits | 54.1502% | 6,294 |
| Total domestic deposits to total assets | 87.0446% | 2,737 |
| Equity capital to assets | 12.6294% | 1,723 |
| Core capital (leverage) ratio | 12.4491% | 1,367 |
| Tier 1 risk-based capital ratio | 31.3468% | 453 |
| Total risk-based capital ratio | 32.3072% | 458 |
| Memoranda: | ||
| Average total assets | $108,843,400 | 4,669 |
| Average earning assets | $100,495,600 | 4,630 |
| Average equity | $13,478,000 | 4,242 |
| Average total loans | $48,815,600 | 5,310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3393% | 7,163 |
| Cost of funding earning assets | 0.6981% | 5,778 |
| Net interest margin | 2.6412% | 7,040 |
| Noninterest income to average assets | 0.3523% | 5,036 |
| Noninterest expense to average assets | 2.3967% | 5,774 |
| Loan and lease loss provision to assets | 0.0269% | 6,106 |
| Net operating income to assets | 0.2985% | 5,399 |
| Return on assets (ROA) | 0.2985% | 5,575 |
| Pretax return on assets | 0.3683% | 5,557 |
| Return on Equity (ROE) | 2.4227% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.4227% | 4,912 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8457% | 1,548 |
| Assets per employee ($millions) | 7.8006% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 6,735 |
| Loan loss allowance to noncurrent loans | 5,871.4286% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,064 |
| Noncurrent loans to loans | 0.0143% | 6,913 |
| Net loans and leases to total assets | 44.3026% | 6,307 |
| Net loans and leases to deposits | 50.7553% | 6,461 |
| Net loans and leases to core deposits | 53.4496% | 6,488 |
| Total domestic deposits to total assets | 87.2866% | 2,472 |
| Equity capital to assets | 12.4185% | 1,962 |
| Core capital (leverage) ratio | 12.3346% | 1,517 |
| Tier 1 risk-based capital ratio | 31.6514% | 465 |
| Total risk-based capital ratio | 32.6106% | 472 |
| Memoranda: | ||
| Average total assets | $108,982,500 | 4,697 |
| Average earning assets | $100,658,000 | 4,657 |
| Average equity | $13,428,500 | 4,261 |
| Average total loans | $48,511,250 | 5,367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 7,244 |
| Cost of funding earning assets | 0.7146% | 5,873 |
| Net interest margin | 2.6097% | 7,111 |
| Noninterest income to average assets | 0.3416% | 5,149 |
| Noninterest expense to average assets | 2.4149% | 5,799 |
| Loan and lease loss provision to assets | 0.0275% | 5,963 |
| Net operating income to assets | 0.2571% | 5,530 |
| Return on assets (ROA) | 0.2571% | 5,653 |
| Pretax return on assets | 0.3067% | 5,656 |
| Return on Equity (ROE) | 2.0921% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.0921% | 4,935 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8424% | 1,429 |
| Assets per employee ($millions) | 6.8571% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 6,809 |
| Loan loss allowance to noncurrent loans | 151.3109% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 6,522 |
| Noncurrent loans to loans | 0.5515% | 5,814 |
| Net loans and leases to total assets | 43.7620% | 6,454 |
| Net loans and leases to deposits | 50.0427% | 6,590 |
| Net loans and leases to core deposits | 52.2687% | 6,647 |
| Total domestic deposits to total assets | 87.4492% | 2,493 |
| Equity capital to assets | 12.2664% | 1,925 |
| Core capital (leverage) ratio | 12.0227% | 1,584 |
| Tier 1 risk-based capital ratio | 32.0788% | 450 |
| Total risk-based capital ratio | 33.0417% | 449 |
| Memoranda: | ||
| Average total assets | $108,907,330 | 4,733 |
| Average earning assets | $100,472,000 | 4,699 |
| Average equity | $13,384,000 | 4,259 |
| Average total loans | $48,417,330 | 5,422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3621% | 7,286 |
| Cost of funding earning assets | 0.7396% | 5,927 |
| Net interest margin | 2.6225% | 7,105 |
| Noninterest income to average assets | 0.3134% | 5,423 |
| Noninterest expense to average assets | 2.4552% | 5,722 |
| Loan and lease loss provision to assets | 0.0295% | 5,598 |
| Net operating income to assets | 0.2101% | 5,757 |
| Return on assets (ROA) | 0.2101% | 5,816 |
| Pretax return on assets | 0.2470% | 5,817 |
| Return on Equity (ROE) | 1.7082% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.7082% | 5,098 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8785% | 1,341 |
| Assets per employee ($millions) | 6.8824% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 6,866 |
| Loan loss allowance to noncurrent loans | 148.6891% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 6,568 |
| Noncurrent loans to loans | 0.5565% | 5,912 |
| Net loans and leases to total assets | 43.2096% | 6,527 |
| Net loans and leases to deposits | 49.3364% | 6,663 |
| Net loans and leases to core deposits | 51.9131% | 6,683 |
| Total domestic deposits to total assets | 87.5816% | 2,622 |
| Equity capital to assets | 12.1460% | 1,832 |
| Core capital (leverage) ratio | 12.2546% | 1,429 |
| Tier 1 risk-based capital ratio | 32.6873% | 413 |
| Total risk-based capital ratio | 33.6576% | 412 |
| Memoranda: | ||
| Average total assets | $108,504,000 | 4,777 |
| Average earning assets | $100,056,500 | 4,741 |
| Average equity | $13,347,000 | 4,252 |
| Average total loans | $48,417,500 | 5,463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 7,173 |
| Cost of funding earning assets | 0.9116% | 6,125 |
| Net interest margin | 3.0240% | 6,691 |
| Noninterest income to average assets | 0.3322% | 5,414 |
| Noninterest expense to average assets | 2.3647% | 6,184 |
| Loan and lease loss provision to assets | 0.0280% | 6,848 |
| Net operating income to assets | 0.5105% | 4,050 |
| Return on assets (ROA) | 0.5105% | 4,204 |
| Pretax return on assets | 0.7316% | 3,863 |
| Return on Equity (ROE) | 4.1893% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.1893% | 2,911 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6870% | 3,093 |
| Assets per employee ($millions) | 6.6806% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 6,975 |
| Loan loss allowance to noncurrent loans | 5,557.1429% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,247 |
| Noncurrent loans to loans | 0.0143% | 7,118 |
| Net loans and leases to total assets | 45.3433% | 6,609 |
| Net loans and leases to deposits | 51.9441% | 6,748 |
| Net loans and leases to core deposits | 54.4072% | 6,789 |
| Total domestic deposits to total assets | 87.2924% | 2,674 |
| Equity capital to assets | 12.4606% | 1,659 |
| Core capital (leverage) ratio | 12.1738% | 1,446 |
| Tier 1 risk-based capital ratio | 33.2875% | 398 |
| Total risk-based capital ratio | 34.2597% | 400 |
| Memoranda: | ||
| Average total assets | $107,160,000 | 4,800 |
| Average earning assets | $98,942,800 | 4,748 |
| Average equity | $13,057,000 | 4,351 |
| Average total loans | $54,596,600 | 5,293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 7,268 |
| Cost of funding earning assets | 0.9469% | 6,192 |
| Net interest margin | 3.0805% | 6,657 |
| Noninterest income to average assets | 0.3295% | 5,521 |
| Noninterest expense to average assets | 2.3389% | 6,207 |
| Loan and lease loss provision to assets | 0.0286% | 6,781 |
| Net operating income to assets | 0.5533% | 4,081 |
| Return on assets (ROA) | 0.5533% | 4,247 |
| Pretax return on assets | 0.8057% | 3,882 |
| Return on Equity (ROE) | 4.5670% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.5670% | 3,295 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7069% | 3,378 |
| Assets per employee ($millions) | 6.7710% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 7,174 |
| Loan loss allowance to noncurrent loans | 5,457.1429% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,355 |
| Noncurrent loans to loans | 0.0131% | 7,236 |
| Net loans and leases to total assets | 49.0003% | 6,435 |
| Net loans and leases to deposits | 55.9561% | 6,620 |
| Net loans and leases to core deposits | 58.8800% | 6,675 |
| Total domestic deposits to total assets | 87.5692% | 2,224 |
| Equity capital to assets | 12.1991% | 2,034 |
| Core capital (leverage) ratio | 12.0761% | 1,628 |
| Tier 1 risk-based capital ratio | 30.6032% | 488 |
| Total risk-based capital ratio | 31.4878% | 489 |
| Memoranda: | ||
| Average total assets | $107,227,750 | 4,857 |
| Average earning assets | $98,984,750 | 4,813 |
| Average equity | $12,991,500 | 4,442 |
| Average total loans | $56,031,750 | 5,307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 7,302 |
| Cost of funding earning assets | 0.9721% | 6,279 |
| Net interest margin | 3.1050% | 6,598 |
| Noninterest income to average assets | 0.3350% | 5,470 |
| Noninterest expense to average assets | 2.3714% | 6,146 |
| Loan and lease loss provision to assets | 0.0281% | 6,667 |
| Net operating income to assets | 0.5390% | 4,148 |
| Return on assets (ROA) | 0.5390% | 4,297 |
| Pretax return on assets | 0.7992% | 3,885 |
| Return on Equity (ROE) | 4.4594% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.4594% | 3,230 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1369% | 3,447 |
| Assets per employee ($millions) | 6.4074% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 7,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 51.3312% | 6,279 |
| Net loans and leases to deposits | 58.4895% | 6,542 |
| Net loans and leases to core deposits | 61.5077% | 6,591 |
| Total domestic deposits to total assets | 87.7614% | 2,133 |
| Equity capital to assets | 11.9898% | 2,100 |
| Core capital (leverage) ratio | 11.8751% | 1,715 |
| Tier 1 risk-based capital ratio | 29.7061% | 524 |
| Total risk-based capital ratio | 30.5568% | 537 |
| Memoranda: | ||
| Average total assets | $106,858,330 | 4,891 |
| Average earning assets | $98,550,330 | 4,858 |
| Average equity | $12,916,670 | 4,453 |
| Average total loans | $56,886,670 | 5,313 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 7,285 |
| Cost of funding earning assets | 1.0050% | 6,350 |
| Net interest margin | 3.1756% | 6,366 |
| Noninterest income to average assets | 0.3364% | 5,452 |
| Noninterest expense to average assets | 2.3926% | 6,116 |
| Loan and lease loss provision to assets | 0.0302% | 6,374 |
| Net operating income to assets | 0.5556% | 4,108 |
| Return on assets (ROA) | 0.5556% | 4,250 |
| Pretax return on assets | 0.8278% | 3,753 |
| Return on Equity (ROE) | 4.5777% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.5777% | 3,400 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6047% | 3,639 |
| Assets per employee ($millions) | 6.7486% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6409% | 7,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 52.6894% | 6,199 |
| Net loans and leases to deposits | 60.0074% | 6,469 |
| Net loans and leases to core deposits | 62.9445% | 6,532 |
| Total domestic deposits to total assets | 87.8049% | 2,173 |
| Equity capital to assets | 11.9645% | 2,057 |
| Core capital (leverage) ratio | 12.4120% | 1,443 |
| Tier 1 risk-based capital ratio | 29.7091% | 540 |
| Total risk-based capital ratio | 30.5531% | 549 |
| Memoranda: | ||
| Average total assets | $105,824,500 | 4,984 |
| Average earning assets | $97,116,000 | 4,950 |
| Average equity | $12,845,000 | 4,512 |
| Average total loans | $57,186,500 | 5,374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 7,105 |
| Cost of funding earning assets | 1.5050% | 5,492 |
| Net interest margin | 3.2158% | 6,036 |
| Noninterest income to average assets | 0.3296% | 5,726 |
| Noninterest expense to average assets | 2.5701% | 5,894 |
| Loan and lease loss provision to assets | 0.0271% | 7,242 |
| Net operating income to assets | 0.4762% | 3,831 |
| Return on assets (ROA) | 0.4762% | 3,935 |
| Pretax return on assets | 0.6521% | 3,735 |
| Return on Equity (ROE) | 3.7839% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.7839% | 2,550 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0971% | 3,026 |
| Assets per employee ($millions) | 6.0983% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 7,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 54.7443% | 6,116 |
| Net loans and leases to deposits | 62.5761% | 6,400 |
| Net loans and leases to core deposits | 75.4136% | 6,442 |
| Total domestic deposits to total assets | 87.4844% | 2,225 |
| Equity capital to assets | 12.3188% | 1,841 |
| Core capital (leverage) ratio | 12.5229% | 1,448 |
| Tier 1 risk-based capital ratio | 28.8317% | 591 |
| Total risk-based capital ratio | 29.6422% | 599 |
| Memoranda: | ||
| Average total assets | $99,527,600 | 5,097 |
| Average earning assets | $90,366,000 | 5,107 |
| Average equity | $12,526,600 | 4,623 |
| Average total loans | $57,113,200 | 5,378 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 7,071 |
| Cost of funding earning assets | 1.6025% | 5,391 |
| Net interest margin | 3.2199% | 5,948 |
| Noninterest income to average assets | 0.3290% | 5,855 |
| Noninterest expense to average assets | 2.5761% | 5,798 |
| Loan and lease loss provision to assets | 0.0271% | 7,082 |
| Net operating income to assets | 0.4765% | 4,087 |
| Return on assets (ROA) | 0.4765% | 4,186 |
| Pretax return on assets | 0.6444% | 4,040 |
| Return on Equity (ROE) | 3.7650% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.7650% | 3,177 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3247% | 2,949 |
| Assets per employee ($millions) | 5.7968% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6104% | 7,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 58.1586% | 5,866 |
| Net loans and leases to deposits | 66.8763% | 6,222 |
| Net loans and leases to core deposits | 80.4856% | 6,309 |
| Total domestic deposits to total assets | 86.9645% | 2,198 |
| Equity capital to assets | 12.8366% | 1,764 |
| Core capital (leverage) ratio | 12.4926% | 1,585 |
| Tier 1 risk-based capital ratio | 27.6714% | 699 |
| Total risk-based capital ratio | 28.4414% | 714 |
| Memoranda: | ||
| Average total assets | $98,491,750 | 5,165 |
| Average earning assets | $89,274,750 | 5,186 |
| Average equity | $12,465,500 | 4,665 |
| Average total loans | $57,113,250 | 5,425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 7,186 |
| Cost of funding earning assets | 1.6897% | 5,323 |
| Net interest margin | 3.1338% | 6,143 |
| Noninterest income to average assets | 0.3229% | 5,927 |
| Noninterest expense to average assets | 2.6119% | 5,696 |
| Loan and lease loss provision to assets | 0.0244% | 6,992 |
| Net operating income to assets | 0.4021% | 4,506 |
| Return on assets (ROA) | 0.4021% | 4,620 |
| Pretax return on assets | 0.5382% | 4,503 |
| Return on Equity (ROE) | 3.1925% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.1925% | 3,536 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2777% | 2,692 |
| Assets per employee ($millions) | 5.5879% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 7,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.6545% | 6,011 |
| Net loans and leases to deposits | 66.0373% | 6,388 |
| Net loans and leases to core deposits | 79.4014% | 6,451 |
| Total domestic deposits to total assets | 87.3059% | 2,097 |
| Equity capital to assets | 12.4237% | 1,962 |
| Core capital (leverage) ratio | 12.2764% | 1,705 |
| Tier 1 risk-based capital ratio | 26.5359% | 813 |
| Total risk-based capital ratio | 27.2664% | 837 |
| Memoranda: | ||
| Average total assets | $98,473,670 | 5,202 |
| Average earning assets | $89,602,670 | 5,214 |
| Average equity | $12,404,000 | 4,711 |
| Average total loans | $56,929,330 | 5,473 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 7,308 |
| Cost of funding earning assets | 1.7438% | 5,392 |
| Net interest margin | 3.0951% | 6,213 |
| Noninterest income to average assets | 0.3203% | 5,887 |
| Noninterest expense to average assets | 2.4759% | 5,933 |
| Loan and lease loss provision to assets | 0.0205% | 6,638 |
| Net operating income to assets | 0.4927% | 4,451 |
| Return on assets (ROA) | 0.4927% | 4,639 |
| Pretax return on assets | 0.6734% | 4,515 |
| Return on Equity (ROE) | 3.8841% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.8841% | 3,731 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1088% | 3,147 |
| Assets per employee ($millions) | 5.8718% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 7,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 56.7972% | 6,130 |
| Net loans and leases to deposits | 65.0321% | 6,458 |
| Net loans and leases to core deposits | 78.0923% | 6,531 |
| Total domestic deposits to total assets | 87.3372% | 2,044 |
| Equity capital to assets | 12.4404% | 2,009 |
| Core capital (leverage) ratio | 12.7822% | 1,566 |
| Tier 1 risk-based capital ratio | 26.3887% | 856 |
| Total risk-based capital ratio | 27.1048% | 884 |
| Memoranda: | ||
| Average total assets | $97,419,500 | 5,259 |
| Average earning assets | $89,690,500 | 5,232 |
| Average equity | $12,358,000 | 4,734 |
| Average total loans | $56,227,000 | 5,533 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 7,692 |
| Cost of funding earning assets | 2.0718% | 6,158 |
| Net interest margin | 3.1201% | 6,594 |
| Noninterest income to average assets | 0.4148% | 5,349 |
| Noninterest expense to average assets | 2.5315% | 5,883 |
| Loan and lease loss provision to assets | 0.0128% | 7,210 |
| Net operating income to assets | 0.5388% | 4,582 |
| Return on assets (ROA) | 0.5388% | 4,428 |
| Pretax return on assets | 0.7152% | 4,350 |
| Return on Equity (ROE) | 4.1818% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.1818% | 2,522 |
| Net charge-offs to loans | 0.1896% | 4,285 |
| Credit loss provision to net charge-offs | 12.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | 6.8100% | 3,264 |
| Efficiency ratio | 77.6648% | 2,972 |
| Assets per employee ($millions) | 5.5894% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 7,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.9779% | 6,198 |
| Net loans and leases to deposits | 66.7847% | 6,584 |
| Net loans and leases to core deposits | 78.8306% | 6,701 |
| Total domestic deposits to total assets | 86.8132% | 2,027 |
| Equity capital to assets | 12.9427% | 1,812 |
| Core capital (leverage) ratio | 12.8883% | 1,581 |
| Tier 1 risk-based capital ratio | 27.1006% | 821 |
| Total risk-based capital ratio | 27.8323% | 838 |
| Memoranda: | ||
| Average total assets | $93,539,600 | 5,240 |
| Average earning assets | $85,286,400 | 5,256 |
| Average equity | $12,052,200 | 4,814 |
| Average total loans | $52,732,200 | 5,597 |