Home > Abington Bank > Performance and Condition Ratios
Abington 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 | 5.2282% | 1,611 |
| Cost of funding earning assets | 1.6732% | 1,510 |
| Net interest margin | 3.5550% | 2,053 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.9661% | 3,706 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9071% | 2,527 |
| Return on assets (ROA) | 0.9071% | 2,498 |
| Pretax return on assets | 1.2352% | 2,047 |
| Return on Equity (ROE) | 5.5100% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.0620% | 2,589 |
| Net charge-offs to loans | 0.0002% | 2,909 |
| Credit loss provision to net charge-offs | 83,050.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 9,398.5000% | 5 |
| Efficiency ratio | 53.7743% | 3,693 |
| Assets per employee ($millions) | 12.7718% | 342 |
| Cash dividends to net income (ytd only)* | 8.0554% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4860% | 4,345 |
| Loan loss allowance to noncurrent loans | 67.0862% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 977 |
| Noncurrent loans to loans | 0.7244% | 1,073 |
| Net loans and leases to total assets | 78.4000% | 824 |
| Net loans and leases to deposits | 109.8828% | 202 |
| Net loans and leases to core deposits | 131.9582% | 377 |
| Total domestic deposits to total assets | 71.3500% | 4,250 |
| Equity capital to assets | 16.6576% | 408 |
| Core capital (leverage) ratio | 10.3939% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5429% | 1,669 |
| Memoranda: | ||
| Average total assets | $1,368,561,600 | 764 |
| Average earning assets | $1,181,423,000 | 805 |
| Average equity | $225,481,800 | 487 |
| Average total loans | $1,099,306,000 | 677 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 1,474 |
| Cost of funding earning assets | 1.5704% | 1,435 |
| Net interest margin | 3.6186% | 1,954 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.9714% | 3,664 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9423% | 2,538 |
| Return on assets (ROA) | 0.9423% | 2,527 |
| Pretax return on assets | 1.2830% | 2,088 |
| Return on Equity (ROE) | 5.7400% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.7357% | 2,707 |
| Net charge-offs to loans | 0.0001% | 2,663 |
| Credit loss provision to net charge-offs | 106,100.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 14,392.0000% | 3 |
| Efficiency ratio | 53.2716% | 3,652 |
| Assets per employee ($millions) | 12.8436% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4293% | 4,391 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 1,531 |
| Noncurrent loans to loans | 0.4683% | 1,654 |
| Net loans and leases to total assets | 79.8300% | 667 |
| Net loans and leases to deposits | 112.8452% | 147 |
| Net loans and leases to core deposits | 137.7226% | 249 |
| Total domestic deposits to total assets | 70.7500% | 4,302 |
| Equity capital to assets | 16.6231% | 415 |
| Core capital (leverage) ratio | 10.3741% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7218% | 1,997 |
| Memoranda: | ||
| Average total assets | $1,362,671,000 | 771 |
| Average earning assets | $1,174,853,750 | 813 |
| Average equity | $223,878,500 | 488 |
| Average total loans | $1,099,946,750 | 676 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 1,155 |
| Cost of funding earning assets | 1.4716% | 1,295 |
| Net interest margin | 3.7751% | 1,668 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.0265% | 3,528 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.9772% | 2,494 |
| Return on assets (ROA) | 0.9772% | 2,483 |
| Pretax return on assets | 1.3316% | 1,986 |
| Return on Equity (ROE) | 5.9700% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.9715% | 2,633 |
| Net charge-offs to loans | 0.0002% | 2,450 |
| Credit loss provision to net charge-offs | 96,100.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 10,008.0000% | 6 |
| Efficiency ratio | 53.0072% | 3,696 |
| Assets per employee ($millions) | 12.8740% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 4,377 |
| Loan loss allowance to noncurrent loans | 119.3472% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 1,548 |
| Noncurrent loans to loans | 0.4223% | 1,669 |
| Net loans and leases to total assets | 80.6300% | 568 |
| Net loans and leases to deposits | 114.8796% | 136 |
| Net loans and leases to core deposits | 136.7754% | 245 |
| Total domestic deposits to total assets | 70.1900% | 4,355 |
| Equity capital to assets | 16.6721% | 401 |
| Core capital (leverage) ratio | 9.9266% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3383% | 2,162 |
| Memoranda: | ||
| Average total assets | $1,358,806,333 | 762 |
| Average earning assets | $1,171,617,667 | 804 |
| Average equity | $222,356,333 | 480 |
| Average total loans | $1,099,314,667 | 663 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 1,296 |
| Cost of funding earning assets | 1.2743% | 1,287 |
| Net interest margin | 3.6881% | 1,927 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.9204% | 3,808 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.9969% | 2,537 |
| Return on assets (ROA) | 0.9969% | 2,505 |
| Pretax return on assets | 1.3619% | 1,981 |
| Return on Equity (ROE) | 6.1500% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.1519% | 2,722 |
| Net charge-offs to loans | 0.0004% | 2,057 |
| Credit loss provision to net charge-offs | 56,100.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 5,199.0000% | 11 |
| Efficiency ratio | 50.7454% | 3,876 |
| Assets per employee ($millions) | 13.1696% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4619% | 4,465 |
| Loan loss allowance to noncurrent loans | 138.7053% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 1,794 |
| Noncurrent loans to loans | 0.3330% | 1,962 |
| Net loans and leases to total assets | 80.5800% | 487 |
| Net loans and leases to deposits | 109.4314% | 190 |
| Net loans and leases to core deposits | 126.5890% | 322 |
| Total domestic deposits to total assets | 73.6300% | 4,302 |
| Equity capital to assets | 16.2621% | 383 |
| Core capital (leverage) ratio | 9.7109% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6548% | 2,110 |
| Memoranda: | ||
| Average total assets | $1,362,246,000 | 774 |
| Average earning assets | $1,174,927,500 | 820 |
| Average equity | $220,744,500 | 492 |
| Average total loans | $1,101,251,000 | 670 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 664 |
| Cost of funding earning assets | 0.6565% | 702 |
| Net interest margin | 3.8924% | 968 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.3212% | 2,665 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.8936% | 2,986 |
| Return on assets (ROA) | 0.8902% | 2,943 |
| Pretax return on assets | 1.2378% | 2,314 |
| Return on Equity (ROE) | 5.5700% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.5721% | 2,801 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.1235% | 3,321 |
| Assets per employee ($millions) | 13.0274% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4170% | 4,491 |
| Loan loss allowance to noncurrent loans | 133.3236% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 1,652 |
| Noncurrent loans to loans | 0.3128% | 2,030 |
| Net loans and leases to total assets | 80.3900% | 549 |
| Net loans and leases to deposits | 103.6695% | 313 |
| Net loans and leases to core deposits | 126.4325% | 273 |
| Total domestic deposits to total assets | 77.5500% | 4,125 |
| Equity capital to assets | 16.1461% | 381 |
| Core capital (leverage) ratio | 9.3169% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1775% | 2,299 |
| Memoranda: | ||
| Average total assets | $753,446,800 | 1,240 |
| Average earning assets | $664,910,000 | 1,281 |
| Average equity | $120,366,600 | 813 |
| Average total loans | $569,688,000 | 1,076 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 1,827 |
| Cost of funding earning assets | 0.2674% | 2,514 |
| Net interest margin | 3.5066% | 1,646 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.5001% | 2,016 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.5799% | 3,886 |
| Return on assets (ROA) | 0.5799% | 3,839 |
| Pretax return on assets | 0.7618% | 3,667 |
| Return on Equity (ROE) | 3.6500% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6517% | 3,568 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4793% | 2,091 |
| Assets per employee ($millions) | 8.4275% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,757 |
| Loan loss allowance to noncurrent loans | 475.5342% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,537 |
| Noncurrent loans to loans | 0.1968% | 2,619 |
| Net loans and leases to total assets | 77.6600% | 737 |
| Net loans and leases to deposits | 100.2717% | 355 |
| Net loans and leases to core deposits | 107.3425% | 554 |
| Total domestic deposits to total assets | 77.4500% | 4,295 |
| Equity capital to assets | 15.6863% | 395 |
| Core capital (leverage) ratio | 13.2626% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2793% | 1,127 |
| Memoranda: | ||
| Average total assets | $603,096,000 | 1,481 |
| Average earning assets | $539,091,750 | 1,538 |
| Average equity | $95,769,250 | 987 |
| Average total loans | $438,669,250 | 1,286 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 1,983 |
| Cost of funding earning assets | 0.2678% | 2,052 |
| Net interest margin | 3.2861% | 1,944 |
| Noninterest income to average assets | 0.3267% | 3,211 |
| Noninterest expense to average assets | 2.4294% | 2,149 |
| Loan and lease loss provision to assets | 0.1545% | 606 |
| Net operating income to assets | 0.5191% | 3,849 |
| Return on assets (ROA) | 0.5191% | 3,800 |
| Pretax return on assets | 0.6746% | 3,643 |
| Return on Equity (ROE) | 3.2554% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.2554% | 3,371 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7430% | 1,995 |
| Assets per employee ($millions) | 8.0625% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 4,041 |
| Loan loss allowance to noncurrent loans | 419.5975% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,600 |
| Noncurrent loans to loans | 0.2067% | 2,680 |
| Net loans and leases to total assets | 75.8764% | 743 |
| Net loans and leases to deposits | 95.1594% | 467 |
| Net loans and leases to core deposits | 101.6244% | 606 |
| Total domestic deposits to total assets | 79.7361% | 4,247 |
| Equity capital to assets | 16.0309% | 335 |
| Core capital (leverage) ratio | 12.7956% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8868% | 1,204 |
| Memoranda: | ||
| Average total assets | $601,867,000 | 1,487 |
| Average earning assets | $536,994,667 | 1,563 |
| Average equity | $95,965,000 | 990 |
| Average total loans | $426,328,333 | 1,308 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 1,853 |
| Cost of funding earning assets | 0.2822% | 1,798 |
| Net interest margin | 3.2029% | 1,872 |
| Noninterest income to average assets | 0.2945% | 3,357 |
| Noninterest expense to average assets | 2.3848% | 2,218 |
| Loan and lease loss provision to assets | 0.1489% | 532 |
| Net operating income to assets | 0.4751% | 3,771 |
| Return on assets (ROA) | 0.4751% | 3,741 |
| Pretax return on assets | 0.6147% | 3,595 |
| Return on Equity (ROE) | 2.9878% | 4,090 |
| Retained earnings to average equity (ytd only) | 2.9878% | 3,267 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7860% | 2,123 |
| Assets per employee ($millions) | 7.5992% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 4,058 |
| Loan loss allowance to noncurrent loans | 392.0969% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 2,709 |
| Noncurrent loans to loans | 0.2279% | 2,685 |
| Net loans and leases to total assets | 67.8762% | 1,224 |
| Net loans and leases to deposits | 84.2948% | 863 |
| Net loans and leases to core deposits | 91.8162% | 823 |
| Total domestic deposits to total assets | 80.5224% | 4,249 |
| Equity capital to assets | 15.7549% | 335 |
| Core capital (leverage) ratio | 12.5910% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1780% | 879 |
| Memoranda: | ||
| Average total assets | $604,488,500 | 1,493 |
| Average earning assets | $538,633,000 | 1,564 |
| Average equity | $96,125,500 | 1,013 |
| Average total loans | $411,163,500 | 1,342 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 2,335 |
| Cost of funding earning assets | 0.5498% | 709 |
| Net interest margin | 3.0667% | 3,006 |
| Noninterest income to average assets | 0.4198% | 2,947 |
| Noninterest expense to average assets | 2.2576% | 2,924 |
| Loan and lease loss provision to assets | 0.2222% | 453 |
| Net operating income to assets | 0.5240% | 4,028 |
| Return on assets (ROA) | 0.6752% | 3,734 |
| Pretax return on assets | 0.8390% | 3,646 |
| Return on Equity (ROE) | 4.2043% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.2043% | 3,132 |
| Net charge-offs to loans | -0.0008% | 3,261 |
| Credit loss provision to net charge-offs | -43,766.6667% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7867% | 1,645 |
| Assets per employee ($millions) | 7.9084% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 4,156 |
| Loan loss allowance to noncurrent loans | 336.5736% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,724 |
| Noncurrent loans to loans | 0.2559% | 2,699 |
| Net loans and leases to total assets | 66.9613% | 1,375 |
| Net loans and leases to deposits | 83.6457% | 928 |
| Net loans and leases to core deposits | 91.7725% | 892 |
| Total domestic deposits to total assets | 80.0535% | 4,216 |
| Equity capital to assets | 16.0507% | 378 |
| Core capital (leverage) ratio | 12.5959% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8858% | 908 |
| Memoranda: | ||
| Average total assets | $590,926,800 | 1,472 |
| Average earning assets | $522,183,600 | 1,540 |
| Average equity | $94,901,800 | 1,052 |
| Average total loans | $389,823,200 | 1,407 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6131% | 2,521 |
| Cost of funding earning assets | 0.5693% | 745 |
| Net interest margin | 3.0438% | 3,196 |
| Noninterest income to average assets | 0.4181% | 2,994 |
| Noninterest expense to average assets | 2.2864% | 2,788 |
| Loan and lease loss provision to assets | 0.1263% | 928 |
| Net operating income to assets | 0.5611% | 4,078 |
| Return on assets (ROA) | 0.7661% | 3,670 |
| Pretax return on assets | 0.9470% | 3,594 |
| Return on Equity (ROE) | 4.7698% | 4,173 |
| Retained earnings to average equity (ytd only) | 4.7698% | 3,303 |
| Net charge-offs to loans | -0.0010% | 3,124 |
| Credit loss provision to net charge-offs | -18,566.6667% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3685% | 1,369 |
| Assets per employee ($millions) | 7.8581% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 4,474 |
| Loan loss allowance to noncurrent loans | 258.3962% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,931 |
| Noncurrent loans to loans | 0.2782% | 2,802 |
| Net loans and leases to total assets | 63.3470% | 1,857 |
| Net loans and leases to deposits | 79.2053% | 1,360 |
| Net loans and leases to core deposits | 86.9147% | 1,223 |
| Total domestic deposits to total assets | 79.9782% | 4,229 |
| Equity capital to assets | 16.0816% | 407 |
| Core capital (leverage) ratio | 12.5749% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $588,399,000 | 1,493 |
| Average earning assets | $519,684,000 | 1,554 |
| Average equity | $94,509,500 | 1,071 |
| Average total loans | $385,789,000 | 1,444 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 2,281 |
| Cost of funding earning assets | 0.5945% | 769 |
| Net interest margin | 3.1248% | 2,972 |
| Noninterest income to average assets | 0.4407% | 2,897 |
| Noninterest expense to average assets | 2.2915% | 2,794 |
| Loan and lease loss provision to assets | 0.1284% | 974 |
| Net operating income to assets | 0.6330% | 3,910 |
| Return on assets (ROA) | 0.9459% | 3,157 |
| Pretax return on assets | 1.1601% | 3,027 |
| Return on Equity (ROE) | 5.8916% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.8916% | 2,845 |
| Net charge-offs to loans | -0.0015% | 3,144 |
| Credit loss provision to net charge-offs | -12,533.3333% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6932% | 1,561 |
| Assets per employee ($millions) | 7.6019% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 4,575 |
| Loan loss allowance to noncurrent loans | 243.8095% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 3,081 |
| Noncurrent loans to loans | 0.2758% | 2,952 |
| Net loans and leases to total assets | 63.7763% | 1,975 |
| Net loans and leases to deposits | 80.0445% | 1,421 |
| Net loans and leases to core deposits | 87.7846% | 1,281 |
| Total domestic deposits to total assets | 79.6761% | 4,273 |
| Equity capital to assets | 16.1119% | 402 |
| Core capital (leverage) ratio | 12.4834% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $585,460,333 | 1,491 |
| Average earning assets | $516,697,000 | 1,555 |
| Average equity | $93,998,667 | 1,070 |
| Average total loans | $387,366,333 | 1,449 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 1,751 |
| Cost of funding earning assets | 0.6347% | 748 |
| Net interest margin | 3.2968% | 2,401 |
| Noninterest income to average assets | 0.0612% | 4,822 |
| Noninterest expense to average assets | 2.2609% | 2,905 |
| Loan and lease loss provision to assets | 0.0282% | 2,416 |
| Net operating income to assets | 0.5240% | 4,128 |
| Return on assets (ROA) | 0.5240% | 4,168 |
| Pretax return on assets | 0.6794% | 4,059 |
| Return on Equity (ROE) | 3.2693% | 4,425 |
| Retained earnings to average equity (ytd only) | 3.2693% | 3,698 |
| Net charge-offs to loans | -0.0031% | 3,230 |
| Credit loss provision to net charge-offs | -1,366.6667% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8436% | 1,236 |
| Assets per employee ($millions) | 7.4675% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5787% | 4,710 |
| Loan loss allowance to noncurrent loans | 210.0094% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,273 |
| Noncurrent loans to loans | 0.2756% | 3,112 |
| Net loans and leases to total assets | 64.7625% | 1,945 |
| Net loans and leases to deposits | 80.9004% | 1,434 |
| Net loans and leases to core deposits | 89.7694% | 1,247 |
| Total domestic deposits to total assets | 80.0522% | 4,194 |
| Equity capital to assets | 15.8352% | 404 |
| Core capital (leverage) ratio | 12.3338% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4932% | 996 |
| Memoranda: | ||
| Average total assets | $581,714,500 | 1,490 |
| Average earning assets | $512,986,000 | 1,554 |
| Average equity | $93,230,000 | 1,065 |
| Average total loans | $390,688,000 | 1,448 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 1,322 |
| Cost of funding earning assets | 0.9628% | 686 |
| Net interest margin | 3.5330% | 2,360 |
| Noninterest income to average assets | 0.2368% | 4,084 |
| Noninterest expense to average assets | 2.2656% | 3,501 |
| Loan and lease loss provision to assets | 0.3225% | 1,136 |
| Net operating income to assets | 0.5853% | 3,799 |
| Return on assets (ROA) | 0.5883% | 3,895 |
| Pretax return on assets | 0.7764% | 3,688 |
| Return on Equity (ROE) | 3.7409% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.7409% | 2,958 |
| Net charge-offs to loans | 0.0240% | 2,560 |
| Credit loss provision to net charge-offs | 1,869.0000% | 464 |
| Earnings coverage of net charge-offs (x) | 63.4600% | 1,042 |
| Efficiency ratio | 65.5541% | 2,600 |
| Assets per employee ($millions) | 7.6466% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5490% | 4,760 |
| Loan loss allowance to noncurrent loans | 172.4684% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 3,187 |
| Noncurrent loans to loans | 0.3183% | 3,061 |
| Net loans and leases to total assets | 68.8613% | 1,712 |
| Net loans and leases to deposits | 86.7213% | 1,197 |
| Net loans and leases to core deposits | 97.3282% | 1,041 |
| Total domestic deposits to total assets | 79.4052% | 4,152 |
| Equity capital to assets | 16.2239% | 406 |
| Core capital (leverage) ratio | 11.9878% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2211% | 1,015 |
| Memoranda: | ||
| Average total assets | $579,449,400 | 1,372 |
| Average earning assets | $512,365,400 | 1,429 |
| Average equity | $91,128,800 | 1,047 |
| Average total loans | $416,619,800 | 1,308 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,294 |
| Cost of funding earning assets | 0.9999% | 760 |
| Net interest margin | 3.6039% | 2,268 |
| Noninterest income to average assets | 0.1928% | 4,320 |
| Noninterest expense to average assets | 2.3144% | 3,384 |
| Loan and lease loss provision to assets | 0.3293% | 1,183 |
| Net operating income to assets | 0.5608% | 3,876 |
| Return on assets (ROA) | 0.5648% | 3,960 |
| Pretax return on assets | 0.7438% | 3,790 |
| Return on Equity (ROE) | 3.6197% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.6197% | 3,242 |
| Net charge-offs to loans | 0.0316% | 2,198 |
| Credit loss provision to net charge-offs | 1,435.0000% | 636 |
| Earnings coverage of net charge-offs (x) | 46.5400% | 1,246 |
| Efficiency ratio | 67.4379% | 2,259 |
| Assets per employee ($millions) | 7.9039% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4250% | 4,870 |
| Loan loss allowance to noncurrent loans | 125.0716% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 3,266 |
| Noncurrent loans to loans | 0.3398% | 3,064 |
| Net loans and leases to total assets | 69.0145% | 2,111 |
| Net loans and leases to deposits | 88.4829% | 1,432 |
| Net loans and leases to core deposits | 101.3421% | 1,071 |
| Total domestic deposits to total assets | 77.9976% | 4,205 |
| Equity capital to assets | 15.5323% | 537 |
| Core capital (leverage) ratio | 11.7196% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9965% | 1,055 |
| Memoranda: | ||
| Average total assets | $580,938,000 | 1,345 |
| Average earning assets | $514,177,250 | 1,408 |
| Average equity | $90,650,250 | 1,040 |
| Average total loans | $421,500,750 | 1,289 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 1,224 |
| Cost of funding earning assets | 1.0626% | 810 |
| Net interest margin | 3.7144% | 2,113 |
| Noninterest income to average assets | 0.1511% | 4,544 |
| Noninterest expense to average assets | 2.3782% | 3,315 |
| Loan and lease loss provision to assets | 0.3449% | 1,234 |
| Net operating income to assets | 0.5441% | 3,900 |
| Return on assets (ROA) | 0.5501% | 3,968 |
| Pretax return on assets | 0.7217% | 3,822 |
| Return on Equity (ROE) | 3.5198% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.5198% | 3,168 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4550% | 2,176 |
| Assets per employee ($millions) | 8.3434% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3362% | 4,943 |
| Loan loss allowance to noncurrent loans | 44.2974% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 2,213 |
| Noncurrent loans to loans | 0.7590% | 1,986 |
| Net loans and leases to total assets | 70.3519% | 1,978 |
| Net loans and leases to deposits | 91.4889% | 1,215 |
| Net loans and leases to core deposits | 104.1169% | 996 |
| Total domestic deposits to total assets | 76.8967% | 4,326 |
| Equity capital to assets | 15.4015% | 554 |
| Core capital (leverage) ratio | 11.6634% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6002% | 1,112 |
| Memoranda: | ||
| Average total assets | $576,987,000 | 1,336 |
| Average earning assets | $510,450,667 | 1,398 |
| Average equity | $90,175,667 | 1,034 |
| Average total loans | $425,048,333 | 1,268 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 665 |
| Cost of funding earning assets | 1.1687% | 851 |
| Net interest margin | 4.0251% | 1,324 |
| Noninterest income to average assets | 0.1377% | 4,677 |
| Noninterest expense to average assets | 2.5344% | 3,172 |
| Loan and lease loss provision to assets | 0.3970% | 772 |
| Net operating income to assets | 0.5779% | 3,666 |
| Return on assets (ROA) | 0.5895% | 3,683 |
| Pretax return on assets | 0.7736% | 3,481 |
| Return on Equity (ROE) | 3.7436% | 4,021 |
| Retained earnings to average equity (ytd only) | 3.7436% | 2,785 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9741% | 2,670 |
| Assets per employee ($millions) | 7.6345% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2287% | 5,026 |
| Loan loss allowance to noncurrent loans | 54.0122% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 3,174 |
| Noncurrent loans to loans | 0.4235% | 2,975 |
| Net loans and leases to total assets | 74.3464% | 1,556 |
| Net loans and leases to deposits | 97.7717% | 742 |
| Net loans and leases to core deposits | 111.9055% | 757 |
| Total domestic deposits to total assets | 76.0408% | 4,482 |
| Equity capital to assets | 15.7551% | 622 |
| Core capital (leverage) ratio | 11.8960% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6080% | 1,212 |
| Memoranda: | ||
| Average total assets | $569,289,500 | 1,309 |
| Average earning assets | $502,448,500 | 1,380 |
| Average equity | $89,645,500 | 1,033 |
| Average total loans | $428,493,500 | 1,224 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 3,175 |
| Cost of funding earning assets | 1.3910% | 585 |
| Net interest margin | 3.0341% | 4,475 |
| Noninterest income to average assets | 0.2598% | 4,118 |
| Noninterest expense to average assets | 2.1904% | 4,176 |
| Loan and lease loss provision to assets | 0.0906% | 2,211 |
| Net operating income to assets | 0.4977% | 4,410 |
| Return on assets (ROA) | 0.4996% | 4,460 |
| Pretax return on assets | 0.6782% | 4,260 |
| Return on Equity (ROE) | 3.3699% | 4,600 |
| Retained earnings to average equity (ytd only) | 3.3699% | 3,325 |
| Net charge-offs to loans | 0.0011% | 3,688 |
| Credit loss provision to net charge-offs | 10,350.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 875.2500% | 120 |
| Efficiency ratio | 73.4138% | 1,668 |
| Assets per employee ($millions) | 7.7533% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0955% | 5,107 |
| Loan loss allowance to noncurrent loans | 18.6395% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 2,848 |
| Noncurrent loans to loans | 0.5124% | 2,652 |
| Net loans and leases to total assets | 75.9555% | 1,425 |
| Net loans and leases to deposits | 98.1366% | 749 |
| Net loans and leases to core deposits | 112.6115% | 735 |
| Total domestic deposits to total assets | 77.3978% | 4,448 |
| Equity capital to assets | 15.7387% | 651 |
| Core capital (leverage) ratio | 11.5314% | 2,086 |
| Tier 1 risk-based capital ratio | 17.0000% | 2,050 |
| Total risk-based capital ratio | 17.1648% | 2,379 |
| Memoranda: | ||
| Average total assets | $456,802,800 | 1,530 |
| Average earning assets | $406,049,600 | 1,600 |
| Average equity | $67,716,800 | 1,248 |
| Average total loans | $349,741,200 | 1,422 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 3,628 |
| Cost of funding earning assets | 1.4053% | 573 |
| Net interest margin | 2.9045% | 4,751 |
| Noninterest income to average assets | 0.2108% | 4,461 |
| Noninterest expense to average assets | 2.1016% | 4,363 |
| Loan and lease loss provision to assets | 0.1006% | 1,909 |
| Net operating income to assets | 0.4299% | 4,662 |
| Return on assets (ROA) | 0.4299% | 4,694 |
| Pretax return on assets | 0.5942% | 4,550 |
| Return on Equity (ROE) | 2.9605% | 4,770 |
| Retained earnings to average equity (ytd only) | 2.9605% | 3,900 |
| Net charge-offs to loans | 0.0008% | 3,434 |
| Credit loss provision to net charge-offs | 16,200.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 1,117.5768% | 78 |
| Efficiency ratio | 74.5560% | 1,486 |
| Assets per employee ($millions) | 7.5975% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0722% | 5,188 |
| Loan loss allowance to noncurrent loans | 21.6000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 3,527 |
| Noncurrent loans to loans | 0.3344% | 3,337 |
| Net loans and leases to total assets | 77.6254% | 1,202 |
| Net loans and leases to deposits | 100.2550% | 610 |
| Net loans and leases to core deposits | 114.9030% | 709 |
| Total domestic deposits to total assets | 77.4280% | 4,452 |
| Equity capital to assets | 15.2973% | 773 |
| Core capital (leverage) ratio | 11.1589% | 2,505 |
| Tier 1 risk-based capital ratio | 16.4447% | 2,291 |
| Total risk-based capital ratio | 16.5846% | 2,631 |
| Memoranda: | ||
| Average total assets | $429,506,500 | 1,641 |
| Average earning assets | $382,345,500 | 1,709 |
| Average equity | $62,376,250 | 1,341 |
| Average total loans | $329,599,000 | 1,514 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,696 |
| Cost of funding earning assets | 1.3225% | 692 |
| Net interest margin | 2.4920% | 5,129 |
| Noninterest income to average assets | 0.1731% | 4,712 |
| Noninterest expense to average assets | 1.9295% | 4,709 |
| Loan and lease loss provision to assets | 0.0736% | 2,343 |
| Net operating income to assets | 0.2725% | 4,910 |
| Return on assets (ROA) | 0.2725% | 4,922 |
| Pretax return on assets | 0.4061% | 4,820 |
| Return on Equity (ROE) | 1.9283% | 4,949 |
| Retained earnings to average equity (ytd only) | 1.9283% | 4,135 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6725% | 995 |
| Assets per employee ($millions) | 7.1108% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0327% | 5,247 |
| Loan loss allowance to noncurrent loans | 11.4467% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 3,722 |
| Noncurrent loans to loans | 0.2857% | 3,507 |
| Net loans and leases to total assets | 74.5720% | 1,792 |
| Net loans and leases to deposits | 96.4712% | 985 |
| Net loans and leases to core deposits | 111.1057% | 913 |
| Total domestic deposits to total assets | 77.2998% | 4,523 |
| Equity capital to assets | 14.7766% | 870 |
| Core capital (leverage) ratio | 14.5578% | 809 |
| Tier 1 risk-based capital ratio | 15.9734% | 2,428 |
| Total risk-based capital ratio | 16.0654% | 2,838 |
| Memoranda: | ||
| Average total assets | $380,205,330 | 1,826 |
| Average earning assets | $341,176,000 | 1,859 |
| Average equity | $53,725,670 | 1,496 |
| Average total loans | $289,951,670 | 1,659 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1976% | 5,209 |
| Cost of funding earning assets | 1.0723% | 1,282 |
| Net interest margin | 2.1253% | 5,298 |
| Noninterest income to average assets | 0.0785% | 5,148 |
| Noninterest expense to average assets | 1.3561% | 5,241 |
| Loan and lease loss provision to assets | 0.0145% | 3,245 |
| Net operating income to assets | 0.4244% | 4,681 |
| Return on assets (ROA) | 0.4244% | 4,692 |
| Pretax return on assets | 0.6322% | 4,456 |
| Return on Equity (ROE) | 3.1582% | 4,757 |
| Retained earnings to average equity (ytd only) | 3.1582% | 3,676 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7068% | 2,679 |
| Assets per employee ($millions) | 9.1569% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0048% | 5,311 |
| Loan loss allowance to noncurrent loans | 9.3458% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,648 |
| Noncurrent loans to loans | 0.0514% | 4,538 |
| Net loans and leases to total assets | 73.3042% | 1,929 |
| Net loans and leases to deposits | 103.5883% | 414 |
| Net loans and leases to core deposits | 127.4835% | 346 |
| Total domestic deposits to total assets | 70.7650% | 5,088 |
| Equity capital to assets | 16.5174% | 495 |
| Core capital (leverage) ratio | 10.3315% | 3,243 |
| Tier 1 risk-based capital ratio | 14.8171% | 2,950 |
| Total risk-based capital ratio | 14.8273% | 3,482 |
| Memoranda: | ||
| Average total assets | $275,209,500 | 2,341 |
| Average earning assets | $249,189,500 | 2,386 |
| Average equity | $36,983,000 | 2,058 |
| Average total loans | $214,794,500 | 2,094 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 3,132 |
| Cost of funding earning assets | 1.0380% | 647 |
| Net interest margin | 3.2572% | 4,362 |
| Noninterest income to average assets | 0.1376% | 5,021 |
| Noninterest expense to average assets | 2.1287% | 4,499 |
| Loan and lease loss provision to assets | 0.0339% | 3,517 |
| Net operating income to assets | 0.7446% | 3,988 |
| Return on assets (ROA) | 0.7437% | 3,995 |
| Pretax return on assets | 1.0423% | 3,471 |
| Return on Equity (ROE) | 7.6478% | 3,597 |
| Retained earnings to average equity (ytd only) | 7.6478% | 1,396 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3962% | 2,800 |
| Assets per employee ($millions) | 8.0774% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5955% | 4,980 |
| Loan loss allowance to noncurrent loans | 230.5944% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 3,748 |
| Noncurrent loans to loans | 0.2582% | 3,653 |
| Net loans and leases to total assets | 82.6005% | 574 |
| Net loans and leases to deposits | 112.2975% | 201 |
| Net loans and leases to core deposits | 135.2310% | 246 |
| Total domestic deposits to total assets | 73.5551% | 4,973 |
| Equity capital to assets | 10.1589% | 3,518 |
| Core capital (leverage) ratio | 10.3046% | 3,243 |
| Tier 1 risk-based capital ratio | 15.4862% | 2,628 |
| Total risk-based capital ratio | 16.2405% | 2,763 |
| Memoranda: | ||
| Average total assets | $265,281,200 | 2,368 |
| Average earning assets | $249,905,200 | 2,336 |
| Average equity | $25,798,200 | 2,580 |
| Average total loans | $220,261,000 | 2,024 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 3,255 |
| Cost of funding earning assets | 0.9849% | 632 |
| Net interest margin | 3.2329% | 4,445 |
| Noninterest income to average assets | 0.1333% | 5,093 |
| Noninterest expense to average assets | 2.1477% | 4,435 |
| Loan and lease loss provision to assets | 0.0453% | 3,083 |
| Net operating income to assets | 0.7063% | 4,201 |
| Return on assets (ROA) | 0.7075% | 4,211 |
| Pretax return on assets | 0.9893% | 3,748 |
| Return on Equity (ROE) | 7.3578% | 3,795 |
| Retained earnings to average equity (ytd only) | 7.3578% | 1,950 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5210% | 2,626 |
| Assets per employee ($millions) | 8.0523% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 5,058 |
| Loan loss allowance to noncurrent loans | 230.5944% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,865 |
| Noncurrent loans to loans | 0.2554% | 3,777 |
| Net loans and leases to total assets | 83.7765% | 478 |
| Net loans and leases to deposits | 112.3603% | 224 |
| Net loans and leases to core deposits | 136.7420% | 235 |
| Total domestic deposits to total assets | 74.5606% | 4,930 |
| Equity capital to assets | 9.8925% | 3,743 |
| Core capital (leverage) ratio | 10.0390% | 3,595 |
| Tier 1 risk-based capital ratio | 14.9690% | 2,899 |
| Total risk-based capital ratio | 15.7172% | 3,061 |
| Memoranda: | ||
| Average total assets | $264,963,000 | 2,383 |
| Average earning assets | $249,761,000 | 2,353 |
| Average equity | $25,478,000 | 2,618 |
| Average total loans | $219,952,750 | 2,033 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 3,396 |
| Cost of funding earning assets | 0.9242% | 652 |
| Net interest margin | 3.1911% | 4,526 |
| Noninterest income to average assets | 0.1368% | 5,129 |
| Noninterest expense to average assets | 2.1692% | 4,441 |
| Loan and lease loss provision to assets | 0.0340% | 3,236 |
| Net operating income to assets | 0.6744% | 4,267 |
| Return on assets (ROA) | 0.6762% | 4,270 |
| Pretax return on assets | 0.9437% | 3,828 |
| Return on Equity (ROE) | 7.1008% | 3,874 |
| Retained earnings to average equity (ytd only) | 7.1008% | 2,030 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9813% | 2,491 |
| Assets per employee ($millions) | 8.0532% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 5,131 |
| Loan loss allowance to noncurrent loans | 187.6289% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 3,742 |
| Noncurrent loans to loans | 0.3106% | 3,591 |
| Net loans and leases to total assets | 81.7689% | 732 |
| Net loans and leases to deposits | 107.6807% | 365 |
| Net loans and leases to core deposits | 130.7690% | 318 |
| Total domestic deposits to total assets | 75.9364% | 4,857 |
| Equity capital to assets | 9.6604% | 3,955 |
| Core capital (leverage) ratio | 9.9003% | 3,679 |
| Tier 1 risk-based capital ratio | 15.1101% | 2,822 |
| Total risk-based capital ratio | 15.8575% | 2,983 |
| Memoranda: | ||
| Average total assets | $264,708,670 | 2,387 |
| Average earning assets | $249,505,000 | 2,365 |
| Average equity | $25,208,330 | 2,653 |
| Average total loans | $218,625,330 | 2,047 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 3,116 |
| Cost of funding earning assets | 0.9037% | 584 |
| Net interest margin | 3.2288% | 4,375 |
| Noninterest income to average assets | 0.1363% | 5,186 |
| Noninterest expense to average assets | 2.1576% | 4,516 |
| Loan and lease loss provision to assets | 0.0454% | 2,857 |
| Net operating income to assets | 0.6968% | 4,112 |
| Return on assets (ROA) | 0.6980% | 4,113 |
| Pretax return on assets | 0.9751% | 3,620 |
| Return on Equity (ROE) | 7.3831% | 3,639 |
| Retained earnings to average equity (ytd only) | 7.3831% | 2,114 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9218% | 2,842 |
| Assets per employee ($millions) | 8.2107% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 5,218 |
| Loan loss allowance to noncurrent loans | 1,155.0459% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 4,906 |
| Noncurrent loans to loans | 0.0504% | 4,755 |
| Net loans and leases to total assets | 81.7630% | 690 |
| Net loans and leases to deposits | 109.1718% | 278 |
| Net loans and leases to core deposits | 132.3964% | 296 |
| Total domestic deposits to total assets | 74.8939% | 5,074 |
| Equity capital to assets | 9.5923% | 4,006 |
| Core capital (leverage) ratio | 9.6580% | 3,896 |
| Tier 1 risk-based capital ratio | 14.9259% | 2,899 |
| Total risk-based capital ratio | 15.6694% | 3,072 |
| Memoranda: | ||
| Average total assets | $264,186,000 | 2,408 |
| Average earning assets | $248,763,000 | 2,390 |
| Average equity | $24,976,000 | 2,688 |
| Average total loans | $218,649,000 | 2,052 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,579 |
| Cost of funding earning assets | 0.8372% | 512 |
| Net interest margin | 3.1103% | 4,670 |
| Noninterest income to average assets | 0.1302% | 5,292 |
| Noninterest expense to average assets | 2.1253% | 4,712 |
| Loan and lease loss provision to assets | 0.0694% | 2,813 |
| Net operating income to assets | 0.4428% | 4,558 |
| Return on assets (ROA) | 0.4362% | 4,601 |
| Pretax return on assets | 0.8553% | 4,070 |
| Return on Equity (ROE) | 4.7071% | 4,286 |
| Retained earnings to average equity (ytd only) | 4.7071% | 2,317 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4448% | 2,630 |
| Assets per employee ($millions) | 8.5687% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 5,319 |
| Loan loss allowance to noncurrent loans | 1,097.3214% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,923 |
| Noncurrent loans to loans | 0.0506% | 4,763 |
| Net loans and leases to total assets | 82.8160% | 586 |
| Net loans and leases to deposits | 111.0575% | 242 |
| Net loans and leases to core deposits | 136.4206% | 244 |
| Total domestic deposits to total assets | 74.5704% | 5,129 |
| Equity capital to assets | 9.3171% | 4,413 |
| Core capital (leverage) ratio | 9.4515% | 4,101 |
| Tier 1 risk-based capital ratio | 14.4301% | 3,123 |
| Total risk-based capital ratio | 15.1487% | 3,327 |
| Memoranda: | ||
| Average total assets | $259,543,000 | 2,420 |
| Average earning assets | $244,512,600 | 2,386 |
| Average equity | $24,049,000 | 2,749 |
| Average total loans | $215,041,800 | 2,038 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 3,655 |
| Cost of funding earning assets | 0.8127% | 530 |
| Net interest margin | 3.0980% | 4,720 |
| Noninterest income to average assets | 0.1318% | 5,347 |
| Noninterest expense to average assets | 2.1455% | 4,643 |
| Loan and lease loss provision to assets | 0.0698% | 2,681 |
| Net operating income to assets | 0.5073% | 4,709 |
| Return on assets (ROA) | 0.5080% | 4,739 |
| Pretax return on assets | 0.8330% | 4,260 |
| Return on Equity (ROE) | 5.4898% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.4898% | 2,546 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4087% | 2,472 |
| Assets per employee ($millions) | 8.2135% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5364% | 5,419 |
| 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 | 83.5245% | 485 |
| Net loans and leases to deposits | 113.5209% | 194 |
| Net loans and leases to core deposits | 137.3069% | 240 |
| Total domestic deposits to total assets | 73.5763% | 5,271 |
| Equity capital to assets | 9.3371% | 4,612 |
| Core capital (leverage) ratio | 9.5303% | 4,125 |
| Tier 1 risk-based capital ratio | 14.3102% | 3,293 |
| Total risk-based capital ratio | 15.0041% | 3,486 |
| Memoranda: | ||
| Average total assets | $258,021,000 | 2,448 |
| Average earning assets | $242,815,500 | 2,417 |
| Average equity | $23,874,000 | 2,792 |
| Average total loans | $213,498,750 | 2,062 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 3,657 |
| Cost of funding earning assets | 0.7977% | 531 |
| Net interest margin | 3.0715% | 4,746 |
| Noninterest income to average assets | 0.1217% | 5,442 |
| Noninterest expense to average assets | 2.1824% | 4,591 |
| Loan and lease loss provision to assets | 0.0702% | 2,570 |
| Net operating income to assets | 0.4706% | 4,789 |
| Return on assets (ROA) | 0.4711% | 4,814 |
| Pretax return on assets | 0.7589% | 4,409 |
| Return on Equity (ROE) | 5.1075% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.1075% | 2,635 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4870% | 2,268 |
| Assets per employee ($millions) | 7.5892% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5348% | 5,477 |
| Loan loss allowance to noncurrent loans | 166.0350% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 4,061 |
| Noncurrent loans to loans | 0.3221% | 3,881 |
| Net loans and leases to total assets | 82.1027% | 653 |
| Net loans and leases to deposits | 108.2916% | 309 |
| Net loans and leases to core deposits | 131.2726% | 287 |
| Total domestic deposits to total assets | 75.8164% | 5,114 |
| Equity capital to assets | 9.3189% | 4,600 |
| Core capital (leverage) ratio | 9.2866% | 4,377 |
| Tier 1 risk-based capital ratio | 14.4302% | 3,200 |
| Total risk-based capital ratio | 15.1170% | 3,421 |
| Memoranda: | ||
| Average total assets | $256,417,330 | 2,474 |
| Average earning assets | $241,185,000 | 2,437 |
| Average equity | $23,651,670 | 2,815 |
| Average total loans | $211,094,000 | 2,079 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 3,638 |
| Cost of funding earning assets | 0.7704% | 579 |
| Net interest margin | 3.0649% | 4,753 |
| Noninterest income to average assets | 0.1127% | 5,544 |
| Noninterest expense to average assets | 2.2034% | 4,631 |
| Loan and lease loss provision to assets | 0.0704% | 2,400 |
| Net operating income to assets | 0.4293% | 4,862 |
| Return on assets (ROA) | 0.4303% | 4,878 |
| Pretax return on assets | 0.7230% | 4,376 |
| Return on Equity (ROE) | 4.6899% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.6899% | 3,059 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5632% | 2,306 |
| Assets per employee ($millions) | 7.8244% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5241% | 5,574 |
| 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 | 80.4226% | 780 |
| Net loans and leases to deposits | 107.9664% | 262 |
| Net loans and leases to core deposits | 127.9340% | 291 |
| Total domestic deposits to total assets | 74.4886% | 5,378 |
| Equity capital to assets | 9.1594% | 4,658 |
| Core capital (leverage) ratio | 9.2979% | 4,346 |
| Tier 1 risk-based capital ratio | 14.4199% | 3,246 |
| Total risk-based capital ratio | 15.0896% | 3,489 |
| Memoranda: | ||
| Average total assets | $255,609,000 | 2,500 |
| Average earning assets | $240,397,000 | 2,465 |
| Average equity | $23,454,500 | 2,848 |
| Average total loans | $210,145,000 | 2,096 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 4,005 |
| Cost of funding earning assets | 0.7510% | 630 |
| Net interest margin | 3.0147% | 4,927 |
| Noninterest income to average assets | 0.1479% | 5,461 |
| Noninterest expense to average assets | 2.2431% | 4,668 |
| Loan and lease loss provision to assets | 0.0731% | 2,894 |
| Net operating income to assets | 0.4002% | 4,942 |
| Return on assets (ROA) | 0.4087% | 4,992 |
| Pretax return on assets | 0.6744% | 4,570 |
| Return on Equity (ROE) | 4.1945% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.1945% | 2,922 |
| Net charge-offs to loans | 0.0036% | 4,130 |
| Credit loss provision to net charge-offs | 2,428.5714% | 172 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 290 |
| Efficiency ratio | 75.3429% | 2,085 |
| Assets per employee ($millions) | 7.6605% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4959% | 5,663 |
| 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 | 83.2648% | 456 |
| Net loans and leases to deposits | 110.9401% | 205 |
| Net loans and leases to core deposits | 131.4747% | 266 |
| Total domestic deposits to total assets | 75.0539% | 5,350 |
| Equity capital to assets | 9.1971% | 4,586 |
| Core capital (leverage) ratio | 9.3762% | 4,254 |
| Tier 1 risk-based capital ratio | 13.9453% | 3,493 |
| Total risk-based capital ratio | 14.5778% | 3,787 |
| Memoranda: | ||
| Average total assets | $232,667,200 | 2,635 |
| Average earning assets | $218,363,400 | 2,617 |
| Average equity | $22,672,800 | 2,924 |
| Average total loans | $192,875,800 | 2,176 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 4,116 |
| Cost of funding earning assets | 0.7474% | 644 |
| Net interest margin | 2.9921% | 5,029 |
| Noninterest income to average assets | 0.1593% | 5,477 |
| Noninterest expense to average assets | 2.2843% | 4,572 |
| Loan and lease loss provision to assets | 0.0785% | 2,653 |
| Net operating income to assets | 0.3691% | 5,114 |
| Return on assets (ROA) | 0.3795% | 5,177 |
| Pretax return on assets | 0.6197% | 4,825 |
| Return on Equity (ROE) | 3.8351% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.8351% | 3,576 |
| Net charge-offs to loans | 0.0050% | 3,733 |
| Credit loss provision to net charge-offs | 1,914.2857% | 245 |
| Earnings coverage of net charge-offs (x) | 166.3408% | 431 |
| Efficiency ratio | 77.0142% | 1,835 |
| Assets per employee ($millions) | 7.8408% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4858% | 5,742 |
| Loan loss allowance to noncurrent loans | 9,209.0909% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,527 |
| Noncurrent loans to loans | 0.0053% | 5,400 |
| Net loans and leases to total assets | 82.7087% | 543 |
| Net loans and leases to deposits | 109.7797% | 264 |
| Net loans and leases to core deposits | 130.6569% | 289 |
| Total domestic deposits to total assets | 75.3406% | 5,307 |
| Equity capital to assets | 9.1680% | 5,006 |
| Core capital (leverage) ratio | 9.4516% | 4,248 |
| Tier 1 risk-based capital ratio | 13.7677% | 3,688 |
| Total risk-based capital ratio | 14.3813% | 3,985 |
| Memoranda: | ||
| Average total assets | $227,634,750 | 2,696 |
| Average earning assets | $213,533,000 | 2,672 |
| Average equity | $22,528,500 | 2,963 |
| Average total loans | $188,209,750 | 2,228 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,352 |
| Cost of funding earning assets | 0.7334% | 684 |
| Net interest margin | 2.9482% | 5,175 |
| Noninterest income to average assets | 0.1655% | 5,492 |
| Noninterest expense to average assets | 2.3377% | 4,506 |
| Loan and lease loss provision to assets | 0.0655% | 2,833 |
| Net operating income to assets | 0.3284% | 5,242 |
| Return on assets (ROA) | 0.3302% | 5,318 |
| Pretax return on assets | 0.5294% | 5,076 |
| Return on Equity (ROE) | 3.2454% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.2454% | 3,825 |
| Net charge-offs to loans | 0.0077% | 3,421 |
| Credit loss provision to net charge-offs | 1,028.5714% | 364 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 617 |
| Efficiency ratio | 79.7889% | 1,518 |
| Assets per employee ($millions) | 6.7532% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4938% | 5,803 |
| Loan loss allowance to noncurrent loans | 7,315.3846% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,614 |
| Noncurrent loans to loans | 0.0068% | 5,485 |
| Net loans and leases to total assets | 83.4619% | 466 |
| Net loans and leases to deposits | 100.7460% | 640 |
| Net loans and leases to core deposits | 120.5372% | 497 |
| Total domestic deposits to total assets | 82.8439% | 3,709 |
| Equity capital to assets | 9.8711% | 4,366 |
| Core capital (leverage) ratio | 10.0892% | 3,459 |
| Tier 1 risk-based capital ratio | 14.0597% | 3,567 |
| Total risk-based capital ratio | 14.6582% | 3,873 |
| Memoranda: | ||
| Average total assets | $219,877,670 | 2,774 |
| Average earning assets | $206,156,330 | 2,748 |
| Average equity | $22,370,330 | 2,983 |
| Average total loans | $181,435,000 | 2,299 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,281 |
| Cost of funding earning assets | 0.7297% | 693 |
| Net interest margin | 2.9806% | 5,164 |
| Noninterest income to average assets | 0.1581% | 5,542 |
| Noninterest expense to average assets | 2.3961% | 4,384 |
| Loan and lease loss provision to assets | 0.0670% | 2,623 |
| Net operating income to assets | 0.3051% | 5,292 |
| Return on assets (ROA) | 0.3051% | 5,372 |
| Pretax return on assets | 0.4837% | 5,130 |
| Return on Equity (ROE) | 2.9519% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.9519% | 4,039 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3131% | 1,451 |
| Assets per employee ($millions) | 6.4619% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5111% | 5,855 |
| Loan loss allowance to noncurrent loans | 5,762.5000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,647 |
| Noncurrent loans to loans | 0.0089% | 5,486 |
| Net loans and leases to total assets | 81.6922% | 602 |
| Net loans and leases to deposits | 96.2225% | 926 |
| Net loans and leases to core deposits | 115.1494% | 625 |
| Total domestic deposits to total assets | 84.8992% | 3,164 |
| Equity capital to assets | 10.1810% | 3,865 |
| Core capital (leverage) ratio | 10.4778% | 2,996 |
| Tier 1 risk-based capital ratio | 13.9870% | 3,709 |
| Total risk-based capital ratio | 14.5708% | 4,011 |
| Memoranda: | ||
| Average total assets | $215,012,000 | 2,836 |
| Average earning assets | $201,168,500 | 2,808 |
| Average equity | $22,223,000 | 3,003 |
| Average total loans | $175,859,000 | 2,353 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 4,048 |
| Cost of funding earning assets | 0.6283% | 1,188 |
| Net interest margin | 3.1691% | 4,717 |
| Noninterest income to average assets | 0.1920% | 5,438 |
| Noninterest expense to average assets | 2.5157% | 4,180 |
| Loan and lease loss provision to assets | 0.0737% | 2,797 |
| Net operating income to assets | 0.3504% | 5,216 |
| Return on assets (ROA) | 0.3589% | 5,265 |
| Pretax return on assets | 0.5621% | 4,955 |
| Return on Equity (ROE) | 3.2316% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.2316% | 3,753 |
| Net charge-offs to loans | 0.0006% | 4,456 |
| Credit loss provision to net charge-offs | 14,400.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,216.0000% | 43 |
| Efficiency ratio | 80.1631% | 1,652 |
| Assets per employee ($millions) | 6.1859% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5172% | 5,909 |
| Loan loss allowance to noncurrent loans | 62.8369% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 3,032 |
| Noncurrent loans to loans | 0.8230% | 2,729 |
| Net loans and leases to total assets | 81.0332% | 706 |
| Net loans and leases to deposits | 95.9996% | 1,011 |
| Net loans and leases to core deposits | 117.7207% | 548 |
| Total domestic deposits to total assets | 84.4099% | 3,326 |
| Equity capital to assets | 10.4973% | 3,367 |
| Core capital (leverage) ratio | 10.8562% | 2,555 |
| Tier 1 risk-based capital ratio | 15.5478% | 2,908 |
| Total risk-based capital ratio | 16.1754% | 3,145 |
| Memoranda: | ||
| Average total assets | $195,335,000 | 2,990 |
| Average earning assets | $181,597,200 | 2,985 |
| Average equity | $21,692,000 | 3,006 |
| Average total loans | $158,502,600 | 2,493 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 4,105 |
| Cost of funding earning assets | 0.6123% | 1,329 |
| Net interest margin | 3.1805% | 4,734 |
| Noninterest income to average assets | 0.1983% | 5,456 |
| Noninterest expense to average assets | 2.5812% | 3,942 |
| Loan and lease loss provision to assets | 0.0668% | 2,843 |
| Net operating income to assets | 0.3250% | 5,383 |
| Return on assets (ROA) | 0.3313% | 5,448 |
| Pretax return on assets | 0.5136% | 5,191 |
| Return on Equity (ROE) | 2.9388% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.9388% | 4,358 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8945% | 1,412 |
| Assets per employee ($millions) | 5.9885% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 6,011 |
| Loan loss allowance to noncurrent loans | 59.0429% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 3,107 |
| Noncurrent loans to loans | 0.8625% | 2,823 |
| Net loans and leases to total assets | 82.9475% | 479 |
| Net loans and leases to deposits | 99.6650% | 683 |
| Net loans and leases to core deposits | 112.4342% | 736 |
| Total domestic deposits to total assets | 83.2263% | 3,725 |
| Equity capital to assets | 11.0850% | 2,918 |
| Core capital (leverage) ratio | 11.2747% | 2,218 |
| Tier 1 risk-based capital ratio | 16.1844% | 2,721 |
| Total risk-based capital ratio | 16.8170% | 2,944 |
| Memoranda: | ||
| Average total assets | $191,588,750 | 3,059 |
| Average earning assets | $177,911,500 | 3,049 |
| Average equity | $21,595,500 | 3,034 |
| Average total loans | $155,299,500 | 2,541 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,271 |
| Cost of funding earning assets | 0.6088% | 1,356 |
| Net interest margin | 3.1326% | 4,874 |
| Noninterest income to average assets | 0.1983% | 5,493 |
| Noninterest expense to average assets | 2.6227% | 3,839 |
| Loan and lease loss provision to assets | 0.0633% | 2,853 |
| Net operating income to assets | 0.2726% | 5,523 |
| Return on assets (ROA) | 0.2732% | 5,607 |
| Pretax return on assets | 0.4178% | 5,428 |
| Return on Equity (ROE) | 2.4102% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.4102% | 4,524 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5291% | 1,207 |
| Assets per employee ($millions) | 5.6708% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4998% | 6,088 |
| Loan loss allowance to noncurrent loans | 56.7893% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 3,181 |
| Noncurrent loans to loans | 0.8802% | 2,927 |
| Net loans and leases to total assets | 82.9061% | 483 |
| Net loans and leases to deposits | 99.8607% | 672 |
| Net loans and leases to core deposits | 110.8293% | 791 |
| Total domestic deposits to total assets | 83.0218% | 3,951 |
| Equity capital to assets | 11.2092% | 2,663 |
| Core capital (leverage) ratio | 11.4187% | 2,056 |
| Tier 1 risk-based capital ratio | 16.2639% | 2,727 |
| Total risk-based capital ratio | 16.8817% | 2,986 |
| Memoranda: | ||
| Average total assets | $189,578,670 | 3,107 |
| Average earning assets | $175,765,330 | 3,089 |
| Average equity | $21,492,000 | 3,054 |
| Average total loans | $152,146,330 | 2,591 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,399 |
| Cost of funding earning assets | 0.6159% | 1,331 |
| Net interest margin | 3.0749% | 5,019 |
| Noninterest income to average assets | 0.2192% | 5,386 |
| Noninterest expense to average assets | 2.6686% | 3,702 |
| Loan and lease loss provision to assets | 0.0468% | 2,994 |
| Net operating income to assets | 0.2405% | 5,587 |
| Return on assets (ROA) | 0.2405% | 5,677 |
| Pretax return on assets | 0.3511% | 5,538 |
| Return on Equity (ROE) | 2.1090% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.1090% | 4,622 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0229% | 1,095 |
| Assets per employee ($millions) | 5.5331% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5057% | 6,164 |
| Loan loss allowance to noncurrent loans | 53.9873% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 3,232 |
| Noncurrent loans to loans | 0.9367% | 2,906 |
| Net loans and leases to total assets | 80.0021% | 686 |
| Net loans and leases to deposits | 94.9840% | 900 |
| Net loans and leases to core deposits | 105.0639% | 999 |
| Total domestic deposits to total assets | 84.2270% | 3,723 |
| Equity capital to assets | 11.4376% | 2,524 |
| Core capital (leverage) ratio | 11.3130% | 2,147 |
| Tier 1 risk-based capital ratio | 17.4455% | 2,319 |
| Total risk-based capital ratio | 18.0810% | 2,498 |
| Memoranda: | ||
| Average total assets | $187,965,000 | 3,143 |
| Average earning assets | $174,054,000 | 3,124 |
| Average equity | $21,432,000 | 3,084 |
| Average total loans | $147,894,000 | 2,652 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 4,854 |
| Cost of funding earning assets | 0.6623% | 1,322 |
| Net interest margin | 3.0169% | 5,413 |
| Noninterest income to average assets | 0.1995% | 5,663 |
| Noninterest expense to average assets | 2.6069% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2236% | 5,719 |
| Return on assets (ROA) | 0.2445% | 5,728 |
| Pretax return on assets | 0.3878% | 5,512 |
| Return on Equity (ROE) | 3.0076% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.0076% | 4,099 |
| Net charge-offs to loans | -0.0007% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0076% | 997 |
| Assets per employee ($millions) | 5.5237% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 6,240 |
| Loan loss allowance to noncurrent loans | 52.3608% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 3,320 |
| Noncurrent loans to loans | 0.9819% | 2,873 |
| Net loans and leases to total assets | 76.5560% | 1,184 |
| Net loans and leases to deposits | 90.2045% | 1,500 |
| Net loans and leases to core deposits | 100.0800% | 1,391 |
| Total domestic deposits to total assets | 84.8694% | 3,342 |
| Equity capital to assets | 11.3666% | 2,542 |
| Core capital (leverage) ratio | 11.6505% | 1,863 |
| Tier 1 risk-based capital ratio | 21.1698% | 1,369 |
| Total risk-based capital ratio | 21.9167% | 1,448 |
| Memoranda: | ||
| Average total assets | $177,914,400 | 3,230 |
| Average earning assets | $162,914,800 | 3,241 |
| Average equity | $14,463,400 | 3,944 |
| Average total loans | $134,557,000 | 2,779 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,719 |
| Cost of funding earning assets | 0.6726% | 1,304 |
| Net interest margin | 3.0749% | 5,322 |
| Noninterest income to average assets | 0.2113% | 5,665 |
| Noninterest expense to average assets | 2.5451% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3011% | 5,577 |
| Return on assets (ROA) | 0.3283% | 5,568 |
| Pretax return on assets | 0.5160% | 5,280 |
| Return on Equity (ROE) | 4.5202% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.5202% | 3,432 |
| Net charge-offs to loans | -0.0010% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3152% | 1,354 |
| Assets per employee ($millions) | 6.0791% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 6,274 |
| Loan loss allowance to noncurrent loans | 52.2504% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 3,624 |
| Noncurrent loans to loans | 1.0722% | 2,930 |
| Net loans and leases to total assets | 67.7949% | 2,569 |
| Net loans and leases to deposits | 73.1954% | 3,537 |
| Net loans and leases to core deposits | 80.5549% | 3,250 |
| Total domestic deposits to total assets | 92.6217% | 107 |
| Equity capital to assets | 6.6761% | 6,422 |
| Core capital (leverage) ratio | 7.4275% | 6,305 |
| Tier 1 risk-based capital ratio | 13.5203% | 4,527 |
| Total risk-based capital ratio | 14.2965% | 4,762 |
| Memoranda: | ||
| Average total assets | $175,441,750 | 3,287 |
| Average earning assets | $160,175,500 | 3,303 |
| Average equity | $12,742,500 | 4,266 |
| Average total loans | $132,066,500 | 2,830 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 4,024 |
| Cost of funding earning assets | 0.6962% | 1,208 |
| Net interest margin | 3.2322% | 4,837 |
| Noninterest income to average assets | 0.2366% | 5,506 |
| Noninterest expense to average assets | 2.6686% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3137% | 5,524 |
| Return on assets (ROA) | 0.3560% | 5,454 |
| Pretax return on assets | 0.5666% | 5,067 |
| Return on Equity (ROE) | 4.7548% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.7548% | 3,115 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 1,482 |
| Assets per employee ($millions) | 5.1973% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 6,342 |
| Loan loss allowance to noncurrent loans | 44.8609% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 3,072 |
| Noncurrent loans to loans | 1.2844% | 2,657 |
| Net loans and leases to total assets | 76.9821% | 1,054 |
| Net loans and leases to deposits | 84.4293% | 1,988 |
| Net loans and leases to core deposits | 94.7080% | 1,715 |
| Total domestic deposits to total assets | 91.1793% | 352 |
| Equity capital to assets | 7.7420% | 6,277 |
| Core capital (leverage) ratio | 7.7073% | 6,244 |
| Tier 1 risk-based capital ratio | 13.3119% | 4,712 |
| Total risk-based capital ratio | 14.0818% | 4,953 |
| Memoranda: | ||
| Average total assets | $169,078,670 | 3,392 |
| Average earning assets | $153,395,670 | 3,423 |
| Average equity | $12,661,000 | 4,291 |
| Average total loans | $131,880,330 | 2,839 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 3,994 |
| Cost of funding earning assets | 0.6663% | 1,463 |
| Net interest margin | 3.2580% | 4,709 |
| Noninterest income to average assets | 0.1971% | 5,785 |
| Noninterest expense to average assets | 2.7197% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3184% | 5,429 |
| Return on assets (ROA) | 0.3262% | 5,457 |
| Pretax return on assets | 0.4951% | 5,185 |
| Return on Equity (ROE) | 4.4290% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.4290% | 3,467 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9084% | 1,559 |
| Assets per employee ($millions) | 5.2927% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5571% | 6,453 |
| Loan loss allowance to noncurrent loans | 42.4728% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 3,195 |
| Noncurrent loans to loans | 1.3116% | 2,838 |
| Net loans and leases to total assets | 78.2086% | 745 |
| Net loans and leases to deposits | 88.6606% | 1,291 |
| Net loans and leases to core deposits | 99.0651% | 1,169 |
| Total domestic deposits to total assets | 88.2113% | 2,102 |
| Equity capital to assets | 7.4815% | 6,319 |
| Core capital (leverage) ratio | 7.6142% | 6,298 |
| Tier 1 risk-based capital ratio | 12.9114% | 5,050 |
| Total risk-based capital ratio | 13.6676% | 5,298 |
| Memoranda: | ||
| Average total assets | $170,461,000 | 3,400 |
| Average earning assets | $157,276,500 | 3,386 |
| Average equity | $12,553,500 | 4,329 |
| Average total loans | $133,433,500 | 2,831 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,984 |
| Cost of funding earning assets | 0.7385% | 1,571 |
| Net interest margin | 3.0091% | 5,560 |
| Noninterest income to average assets | 0.2602% | 5,487 |
| Noninterest expense to average assets | 2.5992% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3128% | 5,478 |
| Return on assets (ROA) | 0.2142% | 5,847 |
| Pretax return on assets | 0.3074% | 5,715 |
| Return on Equity (ROE) | 2.9926% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.9926% | 4,112 |
| Net charge-offs to loans | 0.0367% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.7391% | 1,774 |
| Efficiency ratio | 85.2913% | 1,491 |
| Assets per employee ($millions) | 5.3612% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 6,521 |
| Loan loss allowance to noncurrent loans | 31.5476% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3710% | 2,691 |
| Noncurrent loans to loans | 1.7596% | 2,289 |
| Net loans and leases to total assets | 77.4815% | 889 |
| Net loans and leases to deposits | 86.4587% | 1,631 |
| Net loans and leases to core deposits | 96.0240% | 1,458 |
| Total domestic deposits to total assets | 89.6169% | 1,263 |
| Equity capital to assets | 7.2489% | 6,384 |
| Core capital (leverage) ratio | 7.4865% | 6,377 |
| Tier 1 risk-based capital ratio | 12.7399% | 5,147 |
| Total risk-based capital ratio | 13.4943% | 5,390 |
| Memoranda: | ||
| Average total assets | $171,785,800 | 3,386 |
| Average earning assets | $159,115,000 | 3,361 |
| Average equity | $12,297,200 | 4,394 |
| Average total loans | $125,229,200 | 2,931 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 5,095 |
| Cost of funding earning assets | 0.7555% | 1,566 |
| Net interest margin | 2.9702% | 5,665 |
| Noninterest income to average assets | 0.2878% | 5,391 |
| Noninterest expense to average assets | 2.6000% | 4,388 |
| Loan and lease loss provision to assets | 0.1280% | 2,684 |
| Net operating income to assets | 0.2171% | 5,871 |
| Return on assets (ROA) | 0.2149% | 5,957 |
| Pretax return on assets | 0.3080% | 5,858 |
| Return on Equity (ROE) | 3.0118% | 5,600 |
| Retained earnings to average equity (ytd only) | 3.0118% | 4,518 |
| Net charge-offs to loans | 0.0487% | 4,207 |
| Credit loss provision to net charge-offs | 366.6667% | 716 |
| Earnings coverage of net charge-offs (x) | 12.5775% | 2,125 |
| Efficiency ratio | 85.5502% | 1,408 |
| Assets per employee ($millions) | 5.5439% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 6,446 |
| Loan loss allowance to noncurrent loans | 36.9406% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 1.4302% | 2,814 |
| Noncurrent loans to loans | 1.8842% | 2,389 |
| Net loans and leases to total assets | 75.3779% | 1,089 |
| Net loans and leases to deposits | 84.3080% | 1,838 |
| Net loans and leases to core deposits | 94.0163% | 1,575 |
| Total domestic deposits to total assets | 89.4078% | 1,355 |
| Equity capital to assets | 7.1360% | 6,510 |
| Core capital (leverage) ratio | 7.2852% | 6,517 |
| Tier 1 risk-based capital ratio | 12.6359% | 5,371 |
| Total risk-based capital ratio | 13.5660% | 5,502 |
| Memoranda: | ||
| Average total assets | $171,843,000 | 3,410 |
| Average earning assets | $159,175,750 | 3,389 |
| Average equity | $12,262,500 | 4,444 |
| Average total loans | $123,119,750 | 2,995 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 5,179 |
| Cost of funding earning assets | 0.7692% | 1,590 |
| Net interest margin | 2.9184% | 5,757 |
| Noninterest income to average assets | 0.3305% | 5,049 |
| Noninterest expense to average assets | 2.6327% | 4,271 |
| Loan and lease loss provision to assets | 0.1501% | 2,450 |
| Net operating income to assets | 0.1811% | 5,956 |
| Return on assets (ROA) | 0.1769% | 6,073 |
| Pretax return on assets | 0.2444% | 6,013 |
| Return on Equity (ROE) | 2.4792% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.4792% | 4,728 |
| Net charge-offs to loans | 0.1657% | 2,789 |
| Credit loss provision to net charge-offs | 129.0000% | 1,754 |
| Earnings coverage of net charge-offs (x) | 3.4400% | 3,384 |
| Efficiency ratio | 86.7997% | 1,334 |
| Assets per employee ($millions) | 5.1622% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6229% | 6,586 |
| Loan loss allowance to noncurrent loans | 33.1573% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 1.4447% | 2,933 |
| Noncurrent loans to loans | 1.8785% | 2,521 |
| Net loans and leases to total assets | 76.4241% | 938 |
| Net loans and leases to deposits | 84.1646% | 1,787 |
| Net loans and leases to core deposits | 93.7813% | 1,536 |
| Total domestic deposits to total assets | 90.8032% | 624 |
| Equity capital to assets | 7.1605% | 6,559 |
| Core capital (leverage) ratio | 7.1419% | 6,579 |
| Tier 1 risk-based capital ratio | 12.3567% | 5,595 |
| Total risk-based capital ratio | 13.1849% | 5,779 |
| Memoranda: | ||
| Average total assets | $171,836,670 | 3,433 |
| Average earning assets | $159,128,670 | 3,412 |
| Average equity | $12,262,000 | 4,471 |
| Average total loans | $120,675,000 | 3,058 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 5,582 |
| Cost of funding earning assets | 0.7831% | 1,627 |
| Net interest margin | 2.7658% | 6,100 |
| Noninterest income to average assets | 0.4566% | 4,076 |
| Noninterest expense to average assets | 2.6678% | 4,189 |
| Loan and lease loss provision to assets | 0.2156% | 1,722 |
| Net operating income to assets | 0.1071% | 6,130 |
| Return on assets (ROA) | 0.0973% | 6,247 |
| Pretax return on assets | 0.1159% | 6,230 |
| Return on Equity (ROE) | 1.3665% | 6,128 |
| Retained earnings to average equity (ytd only) | 1.3665% | 5,297 |
| Net charge-offs to loans | 0.3463% | 1,606 |
| Credit loss provision to net charge-offs | 93.0000% | 1,971 |
| Earnings coverage of net charge-offs (x) | 1.4800% | 3,341 |
| Efficiency ratio | 88.6066% | 1,264 |
| Assets per employee ($millions) | 5.3942% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 6,637 |
| Loan loss allowance to noncurrent loans | 20.2808% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 2.2281% | 2,093 |
| Noncurrent loans to loans | 3.2702% | 1,489 |
| Net loans and leases to total assets | 67.6826% | 2,074 |
| Net loans and leases to deposits | 74.4765% | 2,860 |
| Net loans and leases to core deposits | 82.5997% | 2,501 |
| Total domestic deposits to total assets | 90.8779% | 576 |
| Equity capital to assets | 7.1159% | 6,690 |
| Core capital (leverage) ratio | 7.1039% | 6,613 |
| Tier 1 risk-based capital ratio | 13.0162% | 5,205 |
| Total risk-based capital ratio | 13.8561% | 5,461 |
| Memoranda: | ||
| Average total assets | $172,579,000 | 3,459 |
| Average earning assets | $159,376,000 | 3,443 |
| Average equity | $12,294,000 | 4,521 |
| Average total loans | $115,509,500 | 3,171 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 5,605 |
| Cost of funding earning assets | 0.8476% | 2,307 |
| Net interest margin | 3.0408% | 5,950 |
| Noninterest income to average assets | 0.4376% | 4,337 |
| Noninterest expense to average assets | 2.4728% | 5,179 |
| Loan and lease loss provision to assets | 0.0915% | 4,535 |
| Net operating income to assets | 0.4377% | 4,938 |
| Return on assets (ROA) | 0.4541% | 5,113 |
| Pretax return on assets | 0.6629% | 4,784 |
| Return on Equity (ROE) | 6.4615% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.4615% | 1,844 |
| Net charge-offs to loans | 0.2037% | 3,751 |
| Credit loss provision to net charge-offs | 67.8261% | 4,223 |
| Earnings coverage of net charge-offs (x) | 5.4130% | 3,044 |
| Efficiency ratio | 77.1978% | 2,565 |
| Assets per employee ($millions) | 5.2286% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 6,645 |
| Loan loss allowance to noncurrent loans | 16.8089% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 2.8590% | 1,671 |
| Noncurrent loans to loans | 4.1337% | 1,111 |
| Net loans and leases to total assets | 65.2711% | 2,658 |
| Net loans and leases to deposits | 71.9028% | 3,427 |
| Net loans and leases to core deposits | 79.3269% | 3,107 |
| Total domestic deposits to total assets | 90.7769% | 579 |
| Equity capital to assets | 7.1315% | 6,742 |
| Core capital (leverage) ratio | 7.2068% | 6,630 |
| Tier 1 risk-based capital ratio | 13.1599% | 4,991 |
| Total risk-based capital ratio | 14.0204% | 5,215 |
| Memoranda: | ||
| Average total assets | $170,457,000 | 3,446 |
| Average earning assets | $155,023,800 | 3,468 |
| Average equity | $11,978,600 | 4,570 |
| Average total loans | $112,883,600 | 3,232 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 5,676 |
| Cost of funding earning assets | 0.8645% | 2,434 |
| Net interest margin | 3.0778% | 5,986 |
| Noninterest income to average assets | 0.5053% | 3,893 |
| Noninterest expense to average assets | 2.4613% | 5,212 |
| Loan and lease loss provision to assets | 0.0910% | 4,461 |
| Net operating income to assets | 0.4851% | 4,902 |
| Return on assets (ROA) | 0.4927% | 5,141 |
| Pretax return on assets | 0.7579% | 4,646 |
| Return on Equity (ROE) | 7.0380% | 3,789 |
| Retained earnings to average equity (ytd only) | 7.0380% | 2,106 |
| Net charge-offs to loans | 0.2720% | 3,093 |
| Credit loss provision to net charge-offs | 50.4348% | 4,392 |
| Earnings coverage of net charge-offs (x) | 4.6391% | 3,244 |
| Efficiency ratio | 74.6194% | 2,889 |
| Assets per employee ($millions) | 5.4364% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 6,801 |
| Loan loss allowance to noncurrent loans | 16.2386% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 2.9841% | 1,753 |
| Noncurrent loans to loans | 4.0353% | 1,263 |
| Net loans and leases to total assets | 67.1101% | 2,439 |
| Net loans and leases to deposits | 74.1221% | 3,263 |
| Net loans and leases to core deposits | 82.4344% | 2,901 |
| Total domestic deposits to total assets | 90.5399% | 585 |
| Equity capital to assets | 7.2759% | 6,828 |
| Core capital (leverage) ratio | 7.1372% | 6,765 |
| Tier 1 risk-based capital ratio | 12.6379% | 5,533 |
| Total risk-based capital ratio | 13.4214% | 5,811 |
| Memoranda: | ||
| Average total assets | $169,935,000 | 3,486 |
| Average earning assets | $154,220,750 | 3,517 |
| Average equity | $11,897,000 | 4,633 |
| Average total loans | $112,752,000 | 3,264 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 5,533 |
| Cost of funding earning assets | 0.8747% | 2,607 |
| Net interest margin | 3.1600% | 5,843 |
| Noninterest income to average assets | 0.3662% | 4,896 |
| Noninterest expense to average assets | 2.4436% | 5,319 |
| Loan and lease loss provision to assets | 0.0845% | 4,536 |
| Net operating income to assets | 0.4617% | 4,991 |
| Return on assets (ROA) | 0.4695% | 5,201 |
| Pretax return on assets | 0.7077% | 4,813 |
| Return on Equity (ROE) | 6.7939% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.7939% | 2,221 |
| Net charge-offs to loans | 0.0107% | 5,306 |
| Credit loss provision to net charge-offs | 1,200.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 110.8333% | 389 |
| Efficiency ratio | 75.7918% | 2,772 |
| Assets per employee ($millions) | 5.1926% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 6,670 |
| Loan loss allowance to noncurrent loans | 27.9570% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 2.2806% | 2,453 |
| Noncurrent loans to loans | 2.8591% | 2,097 |
| Net loans and leases to total assets | 67.7906% | 2,315 |
| Net loans and leases to deposits | 74.6291% | 3,184 |
| Net loans and leases to core deposits | 82.7839% | 2,857 |
| Total domestic deposits to total assets | 90.8367% | 512 |
| Equity capital to assets | 7.0012% | 6,910 |
| Core capital (leverage) ratio | 6.9828% | 6,826 |
| Tier 1 risk-based capital ratio | 12.3787% | 5,664 |
| Total risk-based capital ratio | 13.3606% | 5,833 |
| Memoranda: | ||
| Average total assets | $170,403,670 | 3,494 |
| Average earning assets | $154,112,000 | 3,532 |
| Average equity | $11,775,330 | 4,658 |
| Average total loans | $112,387,330 | 3,283 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 5,717 |
| Cost of funding earning assets | 0.8970% | 2,718 |
| Net interest margin | 3.1160% | 5,999 |
| Noninterest income to average assets | 0.2942% | 5,514 |
| Noninterest expense to average assets | 2.4081% | 5,446 |
| Loan and lease loss provision to assets | 0.0847% | 4,323 |
| Net operating income to assets | 0.4182% | 5,182 |
| Return on assets (ROA) | 0.4214% | 5,349 |
| Pretax return on assets | 0.6191% | 5,051 |
| Return on Equity (ROE) | 6.1383% | 4,221 |
| Retained earnings to average equity (ytd only) | 6.1383% | 2,881 |
| Net charge-offs to loans | 0.0182% | 4,433 |
| Credit loss provision to net charge-offs | 720.0000% | 487 |
| Earnings coverage of net charge-offs (x) | 59.4000% | 557 |
| Efficiency ratio | 77.5000% | 2,569 |
| Assets per employee ($millions) | 5.1382% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 6,712 |
| Loan loss allowance to noncurrent loans | 132.8909% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.2680% | 4,020 |
| Noncurrent loans to loans | 0.6139% | 5,430 |
| Net loans and leases to total assets | 64.5992% | 2,741 |
| Net loans and leases to deposits | 71.1349% | 3,566 |
| Net loans and leases to core deposits | 78.9021% | 3,199 |
| Total domestic deposits to total assets | 90.8122% | 638 |
| Equity capital to assets | 6.9379% | 6,944 |
| Core capital (leverage) ratio | 6.9274% | 6,867 |
| Tier 1 risk-based capital ratio | 12.5844% | 5,532 |
| Total risk-based capital ratio | 13.5640% | 5,707 |
| Memoranda: | ||
| Average total assets | $169,927,000 | 3,518 |
| Average earning assets | $153,403,000 | 3,558 |
| Average equity | $11,664,500 | 4,687 |
| Average total loans | $110,031,000 | 3,352 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 6,219 |
| Cost of funding earning assets | 1.0689% | 2,892 |
| Net interest margin | 3.0640% | 6,418 |
| Noninterest income to average assets | 0.2160% | 5,975 |
| Noninterest expense to average assets | 2.3434% | 5,929 |
| Loan and lease loss provision to assets | 0.1177% | 5,131 |
| Net operating income to assets | 0.3643% | 5,012 |
| Return on assets (ROA) | 0.2219% | 5,661 |
| Pretax return on assets | 0.3272% | 5,482 |
| Return on Equity (ROE) | 3.3589% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.3589% | 3,829 |
| Net charge-offs to loans | 0.3660% | 3,574 |
| Credit loss provision to net charge-offs | 49.2611% | 5,441 |
| Earnings coverage of net charge-offs (x) | 2.7389% | 3,851 |
| Efficiency ratio | 78.1704% | 2,567 |
| Assets per employee ($millions) | 5.3217% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 6,756 |
| Loan loss allowance to noncurrent loans | 40.1848% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.1304% | 2,820 |
| Noncurrent loans to loans | 1.9749% | 3,239 |
| Net loans and leases to total assets | 63.8640% | 3,219 |
| Net loans and leases to deposits | 70.2558% | 4,053 |
| Net loans and leases to core deposits | 78.7277% | 3,600 |
| Total domestic deposits to total assets | 90.9022% | 539 |
| Equity capital to assets | 6.7912% | 7,011 |
| Core capital (leverage) ratio | 6.7689% | 6,926 |
| Tier 1 risk-based capital ratio | 12.4705% | 5,477 |
| Total risk-based capital ratio | 13.4225% | 5,685 |
| Memoranda: | ||
| Average total assets | $169,920,600 | 3,492 |
| Average earning assets | $154,277,800 | 3,504 |
| Average equity | $11,224,000 | 4,733 |
| Average total loans | $110,943,000 | 3,356 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 6,384 |
| Cost of funding earning assets | 1.0974% | 2,996 |
| Net interest margin | 3.0158% | 6,553 |
| Noninterest income to average assets | 0.1963% | 6,192 |
| Noninterest expense to average assets | 2.3898% | 5,786 |
| Loan and lease loss provision to assets | 0.1413% | 4,674 |
| Net operating income to assets | 0.3182% | 5,330 |
| Return on assets (ROA) | 0.0989% | 6,079 |
| Pretax return on assets | 0.1264% | 6,048 |
| Return on Equity (ROE) | 1.5082% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.5082% | 5,380 |
| Net charge-offs to loans | 0.4865% | 2,797 |
| Credit loss provision to net charge-offs | 44.3350% | 5,161 |
| Earnings coverage of net charge-offs (x) | 1.7217% | 4,361 |
| Efficiency ratio | 81.3251% | 2,068 |
| Assets per employee ($millions) | 5.7233% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7722% | 6,858 |
| Loan loss allowance to noncurrent loans | 32.1361% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 2.5865% | 2,493 |
| Noncurrent loans to loans | 2.4028% | 2,884 |
| Net loans and leases to total assets | 63.6166% | 3,392 |
| Net loans and leases to deposits | 69.8551% | 4,327 |
| Net loans and leases to core deposits | 77.8428% | 3,932 |
| Total domestic deposits to total assets | 91.0693% | 415 |
| Equity capital to assets | 6.6063% | 7,121 |
| Core capital (leverage) ratio | 6.4984% | 7,073 |
| Tier 1 risk-based capital ratio | 12.2352% | 5,716 |
| Total risk-based capital ratio | 13.1682% | 5,930 |
| Memoranda: | ||
| Average total assets | $169,827,500 | 3,524 |
| Average earning assets | $154,427,500 | 3,524 |
| Average equity | $11,138,750 | 4,770 |
| Average total loans | $111,272,250 | 3,382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 6,591 |
| Cost of funding earning assets | 1.1091% | 3,170 |
| Net interest margin | 2.9334% | 6,731 |
| Noninterest income to average assets | 0.1891% | 6,315 |
| Noninterest expense to average assets | 2.3936% | 5,866 |
| Loan and lease loss provision to assets | 0.1418% | 4,531 |
| Net operating income to assets | 0.2381% | 5,602 |
| Return on assets (ROA) | -0.0343% | 6,336 |
| Pretax return on assets | -0.0957% | 6,360 |
| Return on Equity (ROE) | -0.5239% | 6,361 |
| Retained earnings to average equity (ytd only) | -0.5239% | 5,969 |
| Net charge-offs to loans | 0.7486% | 2,000 |
| Credit loss provision to net charge-offs | 28.7081% | 5,012 |
| Earnings coverage of net charge-offs (x) | 0.9545% | 4,587 |
| Efficiency ratio | 83.5396% | 1,882 |
| Assets per employee ($millions) | 5.9429% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 7,010 |
| Loan loss allowance to noncurrent loans | 21.6051% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 2.8971% | 2,321 |
| Noncurrent loans to loans | 3.2654% | 2,188 |
| Net loans and leases to total assets | 63.5359% | 3,570 |
| Net loans and leases to deposits | 69.6540% | 4,481 |
| Net loans and leases to core deposits | 79.1352% | 3,910 |
| Total domestic deposits to total assets | 91.2165% | 421 |
| Equity capital to assets | 6.4487% | 7,193 |
| Core capital (leverage) ratio | 6.4100% | 7,141 |
| Tier 1 risk-based capital ratio | 12.0282% | 5,764 |
| Total risk-based capital ratio | 12.8801% | 6,062 |
| Memoranda: | ||
| Average total assets | $169,203,670 | 3,553 |
| Average earning assets | $154,360,000 | 3,557 |
| Average equity | $11,070,670 | 4,789 |
| Average total loans | $111,670,000 | 3,416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 6,615 |
| Cost of funding earning assets | 1.1026% | 3,500 |
| Net interest margin | 2.9402% | 6,690 |
| Noninterest income to average assets | 0.1981% | 6,305 |
| Noninterest expense to average assets | 2.2859% | 6,227 |
| Loan and lease loss provision to assets | 0.1432% | 4,217 |
| Net operating income to assets | 0.3344% | 5,251 |
| Return on assets (ROA) | -0.1527% | 6,528 |
| Pretax return on assets | -0.3197% | 6,634 |
| Return on Equity (ROE) | -2.3170% | 6,617 |
| Retained earnings to average equity (ytd only) | -2.3170% | 6,196 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6342% | 2,592 |
| Assets per employee ($millions) | 6.1273% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,319 |
| Loan loss allowance to noncurrent loans | 24.4564% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 2.9971% | 2,302 |
| Noncurrent loans to loans | 4.1638% | 1,726 |
| Net loans and leases to total assets | 64.3612% | 3,375 |
| Net loans and leases to deposits | 70.5888% | 4,256 |
| Net loans and leases to core deposits | 79.6434% | 3,805 |
| Total domestic deposits to total assets | 91.1776% | 543 |
| Equity capital to assets | 6.4169% | 7,229 |
| Core capital (leverage) ratio | 6.6557% | 7,129 |
| Tier 1 risk-based capital ratio | 11.9333% | 5,751 |
| Total risk-based capital ratio | 13.1729% | 5,750 |
| Memoranda: | ||
| Average total assets | $167,633,000 | 3,597 |
| Average earning assets | $152,371,000 | 3,603 |
| Average equity | $11,049,000 | 4,790 |
| Average total loans | $112,365,500 | 3,434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 5,730 |
| Cost of funding earning assets | 1.3837% | 3,367 |
| Net interest margin | 3.3367% | 5,848 |
| Noninterest income to average assets | 0.2890% | 5,719 |
| Noninterest expense to average assets | 2.2543% | 6,468 |
| Loan and lease loss provision to assets | 0.1665% | 5,555 |
| Net operating income to assets | 0.5986% | 3,675 |
| Return on assets (ROA) | 0.5934% | 3,869 |
| Pretax return on assets | 0.9251% | 3,172 |
| Return on Equity (ROE) | 8.8859% | 2,340 |
| Retained earnings to average equity (ytd only) | 8.8859% | 737 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2140% | 4,719 |
| Assets per employee ($millions) | 5.8465% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,576 |
| Loan loss allowance to noncurrent loans | 25.8965% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 2.8423% | 2,466 |
| Noncurrent loans to loans | 3.6713% | 2,029 |
| Net loans and leases to total assets | 68.4771% | 2,869 |
| Net loans and leases to deposits | 75.0660% | 4,009 |
| Net loans and leases to core deposits | 83.6410% | 3,645 |
| Total domestic deposits to total assets | 91.2225% | 496 |
| Equity capital to assets | 6.7739% | 7,186 |
| Core capital (leverage) ratio | 6.7661% | 7,123 |
| Tier 1 risk-based capital ratio | 11.7337% | 5,699 |
| Total risk-based capital ratio | 12.8883% | 5,784 |
| Memoranda: | ||
| Average total assets | $161,603,400 | 3,670 |
| Average earning assets | $148,439,400 | 3,652 |
| Average equity | $10,792,400 | 4,910 |
| Average total loans | $113,458,400 | 3,463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 5,492 |
| Cost of funding earning assets | 1.4492% | 3,277 |
| Net interest margin | 3.3956% | 5,696 |
| Noninterest income to average assets | 0.3352% | 5,481 |
| Noninterest expense to average assets | 2.2837% | 6,380 |
| Loan and lease loss provision to assets | 0.0977% | 6,044 |
| Net operating income to assets | 0.6903% | 3,463 |
| Return on assets (ROA) | 0.6829% | 3,654 |
| Pretax return on assets | 1.0628% | 2,957 |
| Return on Equity (ROE) | 10.2626% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.2626% | 738 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0838% | 4,838 |
| Assets per employee ($millions) | 5.8735% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 6,942 |
| Loan loss allowance to noncurrent loans | 31.4198% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 2.1704% | 3,249 |
| Noncurrent loans to loans | 2.6323% | 2,990 |
| Net loans and leases to total assets | 69.9410% | 2,742 |
| Net loans and leases to deposits | 76.4379% | 4,093 |
| Net loans and leases to core deposits | 85.7892% | 3,688 |
| Total domestic deposits to total assets | 91.5005% | 307 |
| Equity capital to assets | 6.9609% | 7,354 |
| Core capital (leverage) ratio | 6.7560% | 7,271 |
| Tier 1 risk-based capital ratio | 11.7138% | 5,720 |
| Total risk-based capital ratio | 12.7155% | 5,951 |
| Memoranda: | ||
| Average total assets | $161,078,500 | 3,739 |
| Average earning assets | $148,032,500 | 3,719 |
| Average equity | $10,718,250 | 4,992 |
| Average total loans | $113,529,250 | 3,513 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 5,267 |
| Cost of funding earning assets | 1.5024% | 3,246 |
| Net interest margin | 3.4280% | 5,522 |
| Noninterest income to average assets | 0.2310% | 6,263 |
| Noninterest expense to average assets | 2.1222% | 6,835 |
| Loan and lease loss provision to assets | 0.0889% | 6,034 |
| Net operating income to assets | 0.7675% | 3,112 |
| Return on assets (ROA) | 0.7708% | 3,256 |
| Pretax return on assets | 1.1760% | 2,492 |
| Return on Equity (ROE) | 11.7610% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.7610% | 524 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7465% | 5,562 |
| Assets per employee ($millions) | 6.2700% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 7,075 |
| Loan loss allowance to noncurrent loans | 27.2052% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 2.2874% | 3,148 |
| Noncurrent loans to loans | 2.8735% | 2,779 |
| Net loans and leases to total assets | 68.4335% | 3,262 |
| Net loans and leases to deposits | 74.5265% | 4,593 |
| Net loans and leases to core deposits | 85.1500% | 3,965 |
| Total domestic deposits to total assets | 91.8244% | 259 |
| Equity capital to assets | 6.6470% | 7,452 |
| Core capital (leverage) ratio | 6.5581% | 7,367 |
| Tier 1 risk-based capital ratio | 11.4981% | 5,773 |
| Total risk-based capital ratio | 12.4502% | 6,023 |
| Memoranda: | ||
| Average total assets | $161,909,670 | 3,747 |
| Average earning assets | $148,831,330 | 3,722 |
| Average equity | $10,611,330 | 5,025 |
| Average total loans | $114,092,000 | 3,534 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1783% | 4,146 |
| Cost of funding earning assets | 1.5964% | 2,988 |
| Net interest margin | 3.5819% | 4,804 |
| Noninterest income to average assets | 0.1909% | 6,598 |
| Noninterest expense to average assets | 2.3055% | 6,359 |
| Loan and lease loss provision to assets | 0.0892% | 5,746 |
| Net operating income to assets | 0.6549% | 3,637 |
| Return on assets (ROA) | 0.6644% | 3,705 |
| Pretax return on assets | 1.0982% | 2,738 |
| Return on Equity (ROE) | 10.2105% | 2,033 |
| Retained earnings to average equity (ytd only) | 10.2105% | 1,096 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2865% | 5,055 |
| Assets per employee ($millions) | 6.2604% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 7,278 |
| Loan loss allowance to noncurrent loans | 20.0906% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 2.8838% | 2,492 |
| Noncurrent loans to loans | 3.6652% | 2,171 |
| Net loans and leases to total assets | 69.8157% | 2,982 |
| Net loans and leases to deposits | 75.9335% | 4,429 |
| Net loans and leases to core deposits | 87.0237% | 3,747 |
| Total domestic deposits to total assets | 91.9432% | 258 |
| Equity capital to assets | 6.5344% | 7,522 |
| Core capital (leverage) ratio | 6.5160% | 7,461 |
| Tier 1 risk-based capital ratio | 10.8616% | 6,282 |
| Total risk-based capital ratio | 11.7393% | 6,632 |
| Memoranda: | ||
| Average total assets | $161,354,000 | 3,814 |
| Average earning assets | $148,079,500 | 3,796 |
| Average equity | $10,499,000 | 5,100 |
| Average total loans | $114,918,000 | 3,573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 6,324 |
| Cost of funding earning assets | 2.3176% | 1,587 |
| Net interest margin | 2.7166% | 7,192 |
| Noninterest income to average assets | 0.2129% | 6,581 |
| Noninterest expense to average assets | 2.3306% | 6,657 |
| Loan and lease loss provision to assets | 0.0853% | 6,756 |
| Net operating income to assets | 0.2059% | 4,884 |
| Return on assets (ROA) | 0.2609% | 4,765 |
| Pretax return on assets | 0.3816% | 4,548 |
| Return on Equity (ROE) | 4.0572% | 4,071 |
| Retained earnings to average equity (ytd only) | 4.0572% | 2,382 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7907% | 2,141 |
| Assets per employee ($millions) | 6.1515% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 7,380 |
| Loan loss allowance to noncurrent loans | 25.3057% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 2.3053% | 3,001 |
| Noncurrent loans to loans | 2.7645% | 2,792 |
| Net loans and leases to total assets | 71.6196% | 2,854 |
| Net loans and leases to deposits | 77.8871% | 4,398 |
| Net loans and leases to core deposits | 114.1486% | 2,484 |
| Total domestic deposits to total assets | 91.9531% | 273 |
| Equity capital to assets | 6.4788% | 7,569 |
| Core capital (leverage) ratio | 6.4094% | 7,524 |
| Tier 1 risk-based capital ratio | 10.4117% | 6,486 |
| Total risk-based capital ratio | 11.2378% | 6,855 |
| Memoranda: | ||
| Average total assets | $158,285,600 | 3,804 |
| Average earning assets | $145,882,400 | 3,780 |
| Average equity | $10,179,400 | 5,248 |
| Average total loans | $117,845,400 | 3,526 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 6,184 |
| Cost of funding earning assets | 2.4493% | 1,448 |
| Net interest margin | 2.6764% | 7,250 |
| Noninterest income to average assets | 0.2111% | 6,716 |
| Noninterest expense to average assets | 2.3242% | 6,639 |
| Loan and lease loss provision to assets | 0.0380% | 6,983 |
| Net operating income to assets | 0.2214% | 5,086 |
| Return on assets (ROA) | 0.2947% | 4,918 |
| Pretax return on assets | 0.4223% | 4,734 |
| Return on Equity (ROE) | 4.5918% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.5918% | 2,709 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7318% | 1,989 |
| Assets per employee ($millions) | 5.6421% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6275% | 7,531 |
| Loan loss allowance to noncurrent loans | 64.3627% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 5,037 |
| Noncurrent loans to loans | 0.9749% | 5,351 |
| Net loans and leases to total assets | 71.8758% | 3,067 |
| Net loans and leases to deposits | 78.9427% | 4,573 |
| Net loans and leases to core deposits | 119.6754% | 2,275 |
| Total domestic deposits to total assets | 91.0481% | 399 |
| Equity capital to assets | 6.4920% | 7,767 |
| Core capital (leverage) ratio | 6.3110% | 7,730 |
| Tier 1 risk-based capital ratio | 10.6588% | 6,289 |
| Total risk-based capital ratio | 11.4145% | 6,760 |
| Memoranda: | ||
| Average total assets | $157,872,500 | 3,830 |
| Average earning assets | $145,615,750 | 3,804 |
| Average equity | $10,133,750 | 5,302 |
| Average total loans | $118,468,250 | 3,548 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2404% | 5,917 |
| Cost of funding earning assets | 2.5427% | 1,469 |
| Net interest margin | 2.6978% | 7,205 |
| Noninterest income to average assets | 0.2217% | 6,711 |
| Noninterest expense to average assets | 2.4037% | 6,446 |
| Loan and lease loss provision to assets | 0.0380% | 6,858 |
| Net operating income to assets | 0.1891% | 5,306 |
| Return on assets (ROA) | 0.2990% | 5,017 |
| Pretax return on assets | 0.4283% | 4,851 |
| Return on Equity (ROE) | 4.6765% | 4,224 |
| Retained earnings to average equity (ytd only) | 4.6765% | 2,696 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6035% | 1,940 |
| Assets per employee ($millions) | 5.7286% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 7,633 |
| Loan loss allowance to noncurrent loans | 60.3611% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 4,898 |
| Noncurrent loans to loans | 0.9919% | 5,222 |
| Net loans and leases to total assets | 72.6633% | 3,046 |
| Net loans and leases to deposits | 80.4606% | 4,475 |
| Net loans and leases to core deposits | 121.2795% | 2,255 |
| Total domestic deposits to total assets | 90.3092% | 705 |
| Equity capital to assets | 6.2974% | 7,866 |
| Core capital (leverage) ratio | 6.2627% | 7,866 |
| Tier 1 risk-based capital ratio | 10.5378% | 6,339 |
| Total risk-based capital ratio | 11.2785% | 6,815 |
| Memoranda: | ||
| Average total assets | $157,837,330 | 3,865 |
| Average earning assets | $145,751,000 | 3,828 |
| Average equity | $10,093,000 | 5,337 |
| Average total loans | $119,869,330 | 3,535 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3483% | 5,666 |
| Cost of funding earning assets | 2.6590% | 1,380 |
| Net interest margin | 2.6893% | 7,225 |
| Noninterest income to average assets | 0.1865% | 6,958 |
| Noninterest expense to average assets | 2.5039% | 5,833 |
| Loan and lease loss provision to assets | 0.0383% | 6,479 |
| Net operating income to assets | 0.0886% | 6,015 |
| Return on assets (ROA) | 0.3040% | 5,455 |
| Pretax return on assets | 0.4497% | 5,246 |
| Return on Equity (ROE) | 4.7180% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.7180% | 3,285 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6008% | 1,458 |
| Assets per employee ($millions) | 5.8556% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 7,718 |
| Loan loss allowance to noncurrent loans | 17,175.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 6,555 |
| Noncurrent loans to loans | 0.0033% | 7,575 |
| Net loans and leases to total assets | 75.6597% | 2,354 |
| Net loans and leases to deposits | 84.7711% | 3,856 |
| Net loans and leases to core deposits | 131.1558% | 1,592 |
| Total domestic deposits to total assets | 89.2517% | 1,118 |
| Equity capital to assets | 6.3884% | 7,909 |
| Core capital (leverage) ratio | 6.0664% | 7,991 |
| Tier 1 risk-based capital ratio | 9.8104% | 7,133 |
| Total risk-based capital ratio | 10.5246% | 7,583 |
| Memoranda: | ||
| Average total assets | $156,556,000 | 3,891 |
| Average earning assets | $144,869,000 | 3,859 |
| Average equity | $10,089,000 | 5,359 |
| Average total loans | $121,177,000 | 3,531 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6094% | 7,035 |
| Cost of funding earning assets | 3.1361% | 1,396 |
| Net interest margin | 2.4733% | 7,785 |
| Noninterest income to average assets | 0.2196% | 6,871 |
| Noninterest expense to average assets | 2.2676% | 6,791 |
| Loan and lease loss provision to assets | 0.0960% | 6,159 |
| Net operating income to assets | 0.1205% | 6,055 |
| Return on assets (ROA) | -1.4985% | 7,409 |
| Pretax return on assets | -1.8793% | 7,402 |
| Return on Equity (ROE) | -20.4169% | 7,767 |
| Retained earnings to average equity (ytd only) | -20.4169% | 7,689 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4124% | 1,479 |
| Assets per employee ($millions) | 5.5361% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 7,767 |
| Loan loss allowance to noncurrent loans | 35.4430% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 3,782 |
| Noncurrent loans to loans | 1.5535% | 3,463 |
| Net loans and leases to total assets | 78.3017% | 2,048 |
| Net loans and leases to deposits | 89.7215% | 3,502 |
| Net loans and leases to core deposits | 137.7765% | 1,384 |
| Total domestic deposits to total assets | 87.2720% | 1,807 |
| Equity capital to assets | 6.5014% | 7,940 |
| Core capital (leverage) ratio | 6.4335% | 7,957 |
| Tier 1 risk-based capital ratio | 10.3425% | 6,374 |
| Total risk-based capital ratio | 11.0541% | 6,844 |
| Memoranda: | ||
| Average total assets | $148,882,800 | 3,922 |
| Average earning assets | $137,750,000 | 3,898 |
| Average equity | $10,927,200 | 5,143 |
| Average total loans | $113,331,600 | 3,605 |