Home > Algonquin State Bank > Performance and Condition Ratios
Algonquin State Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 3,467 |
| Cost of funding earning assets | 1.1437% | 3,865 |
| Net interest margin | 3.5608% | 1,849 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 2.8444% | 1,370 |
| Loan and lease loss provision to assets | -0.0300% | 4,261 |
| Net operating income to assets | 0.7282% | 2,858 |
| Return on assets (ROA) | 0.7282% | 2,869 |
| Pretax return on assets | 0.7282% | 3,163 |
| Return on Equity (ROE) | 9.8700% | 2,223 |
| Retained earnings to average equity (ytd only) | 5.0313% | 2,324 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 80.2579% | 1,103 |
| Assets per employee ($millions) | 5.9860% | 2,813 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 4,070 |
| Loan loss allowance to noncurrent loans | 933.3333% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 3,398 |
| Noncurrent loans to loans | 0.0778% | 3,280 |
| Net loans and leases to total assets | 53.3100% | 3,456 |
| Net loans and leases to deposits | 57.7096% | 3,681 |
| Net loans and leases to core deposits | 59.4051% | 3,782 |
| Total domestic deposits to total assets | 92.3800% | 209 |
| Equity capital to assets | 7.4514% | 3,748 |
| Core capital (leverage) ratio | 13.0655% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $140,063,000 | 3,461 |
| Average earning assets | $130,983,333 | 3,441 |
| Average equity | $10,335,333 | 3,739 |
| Average total loans | $78,147,000 | 3,456 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 3,180 |
| Cost of funding earning assets | 1.1578% | 3,794 |
| Net interest margin | 3.6251% | 1,689 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 2.8815% | 1,283 |
| Loan and lease loss provision to assets | -0.0300% | 4,282 |
| Net operating income to assets | 0.7551% | 2,663 |
| Return on assets (ROA) | 0.7551% | 2,683 |
| Pretax return on assets | 0.7551% | 3,029 |
| Return on Equity (ROE) | 10.2900% | 2,047 |
| Retained earnings to average equity (ytd only) | 0.4335% | 3,607 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 79.8077% | 1,221 |
| Assets per employee ($millions) | 5.7319% | 3,049 |
| Cash dividends to net income (ytd only)* | 95.7854% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 4,063 |
| Loan loss allowance to noncurrent loans | 916.1290% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,376 |
| Noncurrent loans to loans | 0.0797% | 3,220 |
| Net loans and leases to total assets | 56.1300% | 3,187 |
| Net loans and leases to deposits | 62.6058% | 3,367 |
| Net loans and leases to core deposits | 65.8073% | 3,527 |
| Total domestic deposits to total assets | 89.6500% | 913 |
| Equity capital to assets | 7.2853% | 3,774 |
| Core capital (leverage) ratio | 12.8493% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $138,262,000 | 3,487 |
| Average earning assets | $129,211,000 | 3,470 |
| Average equity | $10,150,500 | 3,766 |
| Average total loans | $78,645,000 | 3,455 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 2,645 |
| Cost of funding earning assets | 0.7606% | 3,835 |
| Net interest margin | 3.9548% | 1,274 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.9382% | 1,207 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.0143% | 2,169 |
| Return on assets (ROA) | 0.9292% | 2,426 |
| Pretax return on assets | 0.9292% | 2,875 |
| Return on Equity (ROE) | 15.5100% | 1,193 |
| Retained earnings to average equity (ytd only) | 15.5137% | 294 |
| Net charge-offs to loans | -0.0024% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6678% | 1,386 |
| Assets per employee ($millions) | 5.7900% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 4,090 |
| Loan loss allowance to noncurrent loans | 927.4194% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,299 |
| Noncurrent loans to loans | 0.0780% | 3,162 |
| Net loans and leases to total assets | 56.8000% | 3,139 |
| Net loans and leases to deposits | 63.4263% | 3,320 |
| Net loans and leases to core deposits | 66.5217% | 3,475 |
| Total domestic deposits to total assets | 89.5600% | 889 |
| Equity capital to assets | 7.3971% | 3,772 |
| Core capital (leverage) ratio | 12.6984% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $143,452,800 | 3,430 |
| Average earning assets | $134,496,200 | 3,398 |
| Average equity | $8,592,400 | 3,866 |
| Average total loans | $83,740,000 | 3,365 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 2,539 |
| Cost of funding earning assets | 0.6408% | 3,898 |
| Net interest margin | 4.0268% | 1,179 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.9317% | 1,168 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.0937% | 2,077 |
| Return on assets (ROA) | 0.9812% | 2,414 |
| Pretax return on assets | 0.9812% | 2,908 |
| Return on Equity (ROE) | 17.3600% | 1,026 |
| Retained earnings to average equity (ytd only) | 17.3623% | 374 |
| Net charge-offs to loans | -0.0031% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.2151% | 1,424 |
| Assets per employee ($millions) | 5.5842% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 4,126 |
| Loan loss allowance to noncurrent loans | 928.5714% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,355 |
| Noncurrent loans to loans | 0.0761% | 3,210 |
| Net loans and leases to total assets | 58.8900% | 2,948 |
| Net loans and leases to deposits | 64.4395% | 3,234 |
| Net loans and leases to core deposits | 67.4876% | 3,351 |
| Total domestic deposits to total assets | 91.3800% | 585 |
| Equity capital to assets | 5.4440% | 4,155 |
| Core capital (leverage) ratio | 12.1979% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,576,250 | 3,419 |
| Average earning assets | $135,655,500 | 3,395 |
| Average equity | $8,170,750 | 3,914 |
| Average total loans | $84,797,750 | 3,362 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 2,516 |
| Cost of funding earning assets | 0.4332% | 4,111 |
| Net interest margin | 4.1230% | 1,049 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.8817% | 1,254 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.2501% | 1,693 |
| Return on assets (ROA) | 1.0832% | 2,161 |
| Pretax return on assets | 1.0832% | 2,682 |
| Return on Equity (ROE) | 18.9500% | 837 |
| Retained earnings to average equity (ytd only) | 18.9451% | 285 |
| Net charge-offs to loans | -0.0023% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.2802% | 1,741 |
| Assets per employee ($millions) | 5.7828% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 4,162 |
| Loan loss allowance to noncurrent loans | 898.4615% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,323 |
| Noncurrent loans to loans | 0.0790% | 3,120 |
| Net loans and leases to total assets | 56.5000% | 3,083 |
| Net loans and leases to deposits | 62.3441% | 3,283 |
| Net loans and leases to core deposits | 65.2022% | 3,389 |
| Total domestic deposits to total assets | 90.6300% | 749 |
| Equity capital to assets | 6.3374% | 4,052 |
| Core capital (leverage) ratio | 11.9501% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $146,233,667 | 3,416 |
| Average earning assets | $137,570,667 | 3,389 |
| Average equity | $8,361,000 | 3,923 |
| Average total loans | $85,465,333 | 3,356 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,331 |
| Cost of funding earning assets | 0.1503% | 4,457 |
| Net interest margin | 4.3435% | 752 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.8423% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4687% | 1,240 |
| Return on assets (ROA) | 1.2430% | 1,789 |
| Pretax return on assets | 1.2430% | 2,326 |
| Return on Equity (ROE) | 22.9600% | 511 |
| Retained earnings to average equity (ytd only) | 22.9634% | 245 |
| Net charge-offs to loans | -0.0046% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.9306% | 2,215 |
| Assets per employee ($millions) | 6.3496% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6964% | 4,247 |
| Loan loss allowance to noncurrent loans | 932.3077% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 3,341 |
| Noncurrent loans to loans | 0.0747% | 3,202 |
| Net loans and leases to total assets | 59.1700% | 2,755 |
| Net loans and leases to deposits | 65.3320% | 2,991 |
| Net loans and leases to core deposits | 66.0855% | 3,219 |
| Total domestic deposits to total assets | 90.5700% | 955 |
| Equity capital to assets | 6.0435% | 4,186 |
| Core capital (leverage) ratio | 11.3284% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $147,065,000 | 3,453 |
| Average earning assets | $138,412,500 | 3,428 |
| Average equity | $7,960,500 | 4,008 |
| Average total loans | $87,065,000 | 3,366 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2508% | 3,710 |
| Cost of funding earning assets | 0.0719% | 4,504 |
| Net interest margin | 3.1789% | 2,931 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.5683% | 1,910 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0472% | 2,385 |
| Return on assets (ROA) | 1.0154% | 2,460 |
| Pretax return on assets | 1.0154% | 3,032 |
| Return on Equity (ROE) | 15.0000% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.7716% | 1,543 |
| Net charge-offs to loans | 0.0660% | 986 |
| Credit loss provision to net charge-offs | 71.4286% | 1,721 |
| Earnings coverage of net charge-offs (x) | 29.5536% | 1,694 |
| Efficiency ratio | 70.5306% | 1,619 |
| Assets per employee ($millions) | 6.4387% | 2,389 |
| Cash dividends to net income (ytd only)* | 41.5070% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,195 |
| Loan loss allowance to noncurrent loans | 942.4242% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,362 |
| Noncurrent loans to loans | 0.0758% | 3,219 |
| Net loans and leases to total assets | 58.4000% | 2,784 |
| Net loans and leases to deposits | 62.7734% | 3,129 |
| Net loans and leases to core deposits | 63.2819% | 3,310 |
| Total domestic deposits to total assets | 93.0400% | 397 |
| Equity capital to assets | 4.7910% | 4,416 |
| Core capital (leverage) ratio | 10.9890% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,226,400 | 3,402 |
| Average earning assets | $146,088,600 | 3,361 |
| Average equity | $10,442,800 | 3,818 |
| Average total loans | $84,839,400 | 3,344 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9825% | 3,914 |
| Cost of funding earning assets | 0.0460% | 4,592 |
| Net interest margin | 2.9365% | 3,395 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.5526% | 1,853 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9698% | 2,595 |
| Return on assets (ROA) | 0.9698% | 2,563 |
| Pretax return on assets | 0.9698% | 3,112 |
| Return on Equity (ROE) | 13.3900% | 1,589 |
| Retained earnings to average equity (ytd only) | 5.7092% | 2,854 |
| Net charge-offs to loans | 0.0902% | 682 |
| Credit loss provision to net charge-offs | 43.8596% | 1,551 |
| Earnings coverage of net charge-offs (x) | 20.3158% | 1,706 |
| Efficiency ratio | 72.0290% | 1,506 |
| Assets per employee ($millions) | 6.5121% | 2,310 |
| Cash dividends to net income (ytd only)* | 57.3698% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 4,225 |
| Loan loss allowance to noncurrent loans | 818.9189% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,396 |
| Noncurrent loans to loans | 0.0875% | 3,253 |
| Net loans and leases to total assets | 56.0900% | 2,893 |
| Net loans and leases to deposits | 60.4574% | 3,155 |
| Net loans and leases to core deposits | 60.9425% | 3,309 |
| Total domestic deposits to total assets | 92.7700% | 641 |
| Equity capital to assets | 4.3297% | 4,434 |
| Core capital (leverage) ratio | 10.4232% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $155,760,500 | 3,411 |
| Average earning assets | $147,702,750 | 3,372 |
| Average equity | $11,279,750 | 3,782 |
| Average total loans | $84,271,750 | 3,364 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7647% | 4,037 |
| Cost of funding earning assets | 0.0321% | 4,686 |
| Net interest margin | 2.7326% | 3,635 |
| Noninterest income to average assets | 1.0193% | 640 |
| Noninterest expense to average assets | 2.5483% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0649% | 1,918 |
| Return on assets (ROA) | 1.0649% | 1,890 |
| Pretax return on assets | 1.0649% | 2,530 |
| Return on Equity (ROE) | 13.0455% | 1,372 |
| Retained earnings to average equity (ytd only) | 8.3864% | 1,480 |
| Net charge-offs to loans | -0.0048% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5263% | 1,885 |
| Assets per employee ($millions) | 6.4873% | 2,326 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 4,289 |
| Loan loss allowance to noncurrent loans | 71.8294% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 985 |
| Noncurrent loans to loans | 1.0152% | 821 |
| Net loans and leases to total assets | 55.9617% | 2,763 |
| Net loans and leases to deposits | 61.0737% | 2,968 |
| Net loans and leases to core deposits | 61.5505% | 3,151 |
| Total domestic deposits to total assets | 91.6297% | 988 |
| Equity capital to assets | 6.2726% | 4,111 |
| Core capital (leverage) ratio | 10.4928% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,754,333 | 3,427 |
| Average earning assets | $149,745,333 | 3,399 |
| Average equity | $12,878,000 | 3,692 |
| Average total loans | $84,157,667 | 3,399 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6564% | 4,020 |
| Cost of funding earning assets | 0.0292% | 4,710 |
| Net interest margin | 2.6272% | 3,598 |
| Noninterest income to average assets | 1.8037% | 277 |
| Noninterest expense to average assets | 2.5821% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7155% | 397 |
| Return on assets (ROA) | 1.7155% | 400 |
| Pretax return on assets | 1.7155% | 661 |
| Return on Equity (ROE) | 18.8721% | 288 |
| Retained earnings to average equity (ytd only) | 10.5584% | 884 |
| Net charge-offs to loans | -0.0049% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0821% | 3,477 |
| Assets per employee ($millions) | 6.5244% | 2,359 |
| Cash dividends to net income (ytd only)* | 44.0529% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 4,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.7125% | 3,012 |
| Net loans and leases to deposits | 56.2042% | 3,253 |
| Net loans and leases to core deposits | 56.7637% | 3,392 |
| Total domestic deposits to total assets | 92.0082% | 574 |
| Equity capital to assets | 7.8507% | 3,686 |
| Core capital (leverage) ratio | 10.4928% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,784,500 | 3,431 |
| Average earning assets | $150,733,000 | 3,400 |
| Average equity | $14,434,000 | 3,613 |
| Average total loans | $82,352,000 | 3,428 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9343% | 3,993 |
| Cost of funding earning assets | 0.0691% | 4,595 |
| Net interest margin | 2.8652% | 3,522 |
| Noninterest income to average assets | 0.3063% | 3,574 |
| Noninterest expense to average assets | 2.5382% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4878% | 4,120 |
| Return on assets (ROA) | 0.6253% | 3,863 |
| Pretax return on assets | 0.6253% | 4,068 |
| Return on Equity (ROE) | 5.8558% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,197 |
| Net charge-offs to loans | -0.0037% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8805% | 578 |
| Assets per employee ($millions) | 6.7077% | 2,149 |
| Cash dividends to net income (ytd only)* | 30.5499% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.2181% | 3,152 |
| Net loans and leases to deposits | 57.1868% | 3,323 |
| Net loans and leases to core deposits | 57.7552% | 3,495 |
| Total domestic deposits to total assets | 89.5629% | 1,198 |
| Equity capital to assets | 10.2961% | 2,378 |
| Core capital (leverage) ratio | 10.4780% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,037,400 | 3,422 |
| Average earning assets | $149,063,000 | 3,386 |
| Average equity | $16,769,600 | 3,483 |
| Average total loans | $81,567,400 | 3,448 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9212% | 4,131 |
| Cost of funding earning assets | 0.0783% | 4,640 |
| Net interest margin | 2.8429% | 3,676 |
| Noninterest income to average assets | 0.3084% | 3,583 |
| Noninterest expense to average assets | 2.5717% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4349% | 4,320 |
| Return on assets (ROA) | 0.5443% | 4,157 |
| Pretax return on assets | 0.5443% | 4,310 |
| Return on Equity (ROE) | 5.0499% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.0499% | 3,201 |
| Net charge-offs to loans | -0.0049% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5357% | 452 |
| Assets per employee ($millions) | 6.5576% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 4,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.7056% | 3,319 |
| Net loans and leases to deposits | 57.0503% | 3,486 |
| Net loans and leases to core deposits | 57.6346% | 3,654 |
| Total domestic deposits to total assets | 88.8787% | 1,354 |
| Equity capital to assets | 10.8265% | 2,148 |
| Core capital (leverage) ratio | 10.5350% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,050,750 | 3,465 |
| Average earning assets | $148,110,000 | 3,434 |
| Average equity | $16,818,250 | 3,524 |
| Average total loans | $81,186,500 | 3,509 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9030% | 4,220 |
| Cost of funding earning assets | 0.0894% | 4,642 |
| Net interest margin | 2.8137% | 3,763 |
| Noninterest income to average assets | 0.3085% | 3,584 |
| Noninterest expense to average assets | 2.5834% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3959% | 4,391 |
| Return on assets (ROA) | 0.5205% | 4,222 |
| Pretax return on assets | 0.5205% | 4,357 |
| Return on Equity (ROE) | 4.8374% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.8374% | 3,250 |
| Net charge-offs to loans | -0.0049% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7127% | 446 |
| Assets per employee ($millions) | 6.7925% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.6894% | 3,668 |
| Net loans and leases to deposits | 54.8093% | 3,807 |
| Net loans and leases to core deposits | 55.3743% | 3,933 |
| Total domestic deposits to total assets | 88.8342% | 1,365 |
| Equity capital to assets | 10.8138% | 2,137 |
| Core capital (leverage) ratio | 10.3973% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,606,667 | 3,471 |
| Average earning assets | $147,708,333 | 3,446 |
| Average equity | $16,744,667 | 3,537 |
| Average total loans | $81,435,333 | 3,524 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8872% | 4,276 |
| Cost of funding earning assets | 0.0977% | 4,662 |
| Net interest margin | 2.7895% | 3,787 |
| Noninterest income to average assets | 0.2808% | 3,720 |
| Noninterest expense to average assets | 2.5834% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3451% | 4,457 |
| Return on assets (ROA) | 0.3451% | 4,490 |
| Pretax return on assets | 0.3451% | 4,553 |
| Return on Equity (ROE) | 3.2154% | 4,435 |
| Retained earnings to average equity (ytd only) | 3.2154% | 3,714 |
| Net charge-offs to loans | -0.0048% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2146% | 435 |
| Assets per employee ($millions) | 6.8193% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.4052% | 3,501 |
| Net loans and leases to deposits | 57.4845% | 3,676 |
| Net loans and leases to core deposits | 58.0695% | 3,829 |
| Total domestic deposits to total assets | 89.4245% | 1,110 |
| Equity capital to assets | 10.2369% | 2,490 |
| Core capital (leverage) ratio | 10.1710% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,296,500 | 3,475 |
| Average earning assets | $147,408,000 | 3,449 |
| Average equity | $16,670,000 | 3,543 |
| Average total loans | $83,801,500 | 3,497 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 4,571 |
| Cost of funding earning assets | 0.1342% | 4,778 |
| Net interest margin | 2.9618% | 3,981 |
| Noninterest income to average assets | 0.3761% | 3,233 |
| Noninterest expense to average assets | 2.7225% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4407% | 4,163 |
| Return on assets (ROA) | 0.7328% | 3,448 |
| Pretax return on assets | 0.7328% | 3,808 |
| Return on Equity (ROE) | 6.3785% | 3,455 |
| Retained earnings to average equity (ytd only) | 3.9624% | 2,847 |
| Net charge-offs to loans | -0.0034% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0685% | 529 |
| Assets per employee ($millions) | 6.6847% | 1,791 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 4,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.7441% | 3,323 |
| Net loans and leases to deposits | 64.8232% | 3,374 |
| Net loans and leases to core deposits | 65.5215% | 3,580 |
| Total domestic deposits to total assets | 85.9941% | 2,372 |
| Equity capital to assets | 11.2417% | 2,064 |
| Core capital (leverage) ratio | 10.5645% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,097,000 | 3,468 |
| Average earning assets | $135,595,400 | 3,435 |
| Average equity | $16,555,600 | 3,500 |
| Average total loans | $89,458,000 | 3,405 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 4,647 |
| Cost of funding earning assets | 0.1423% | 4,816 |
| Net interest margin | 2.9886% | 4,003 |
| Noninterest income to average assets | 0.3171% | 3,590 |
| Noninterest expense to average assets | 2.7883% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3350% | 4,383 |
| Return on assets (ROA) | 0.7105% | 3,528 |
| Pretax return on assets | 0.7105% | 3,880 |
| Return on Equity (ROE) | 6.1480% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.1122% | 2,988 |
| Net charge-offs to loans | -0.0030% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2739% | 380 |
| Assets per employee ($millions) | 6.2767% | 2,021 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6610% | 4,642 |
| Loan loss allowance to noncurrent loans | 782.7160% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,172 |
| Noncurrent loans to loans | 0.0844% | 4,028 |
| Net loans and leases to total assets | 63.2537% | 2,854 |
| Net loans and leases to deposits | 73.7508% | 2,984 |
| Net loans and leases to core deposits | 74.5622% | 3,280 |
| Total domestic deposits to total assets | 85.7668% | 2,160 |
| Equity capital to assets | 11.3097% | 2,142 |
| Core capital (leverage) ratio | 10.5635% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,684,000 | 3,478 |
| Average earning assets | $133,036,500 | 3,458 |
| Average equity | $16,373,500 | 3,519 |
| Average total loans | $90,237,250 | 3,409 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1890% | 4,726 |
| Cost of funding earning assets | 0.1526% | 4,871 |
| Net interest margin | 3.0364% | 4,045 |
| Noninterest income to average assets | 0.1976% | 4,289 |
| Noninterest expense to average assets | 2.8046% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2336% | 4,529 |
| Return on assets (ROA) | 0.7195% | 3,427 |
| Pretax return on assets | 0.7195% | 3,824 |
| Return on Equity (ROE) | 6.1787% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.1787% | 1,998 |
| Net charge-offs to loans | -0.0045% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3113% | 337 |
| Assets per employee ($millions) | 6.1331% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 4,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 3,915 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 64.4410% | 2,826 |
| Net loans and leases to deposits | 75.2224% | 2,950 |
| Net loans and leases to core deposits | 76.0676% | 3,278 |
| Total domestic deposits to total assets | 85.6673% | 2,135 |
| Equity capital to assets | 11.3931% | 2,047 |
| Core capital (leverage) ratio | 10.8340% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,698,333 | 3,495 |
| Average earning assets | $129,759,000 | 3,478 |
| Average equity | $16,152,333 | 3,534 |
| Average total loans | $88,343,000 | 3,451 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2737% | 4,829 |
| Cost of funding earning assets | 0.1597% | 4,958 |
| Net interest margin | 3.1140% | 4,061 |
| Noninterest income to average assets | -0.0208% | 5,080 |
| Noninterest expense to average assets | 2.7609% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1190% | 4,637 |
| Return on assets (ROA) | 0.8300% | 2,882 |
| Pretax return on assets | 0.8300% | 3,332 |
| Return on Equity (ROE) | 7.0439% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.0439% | 1,520 |
| Net charge-offs to loans | -0.0047% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8678% | 332 |
| Assets per employee ($millions) | 5.3881% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 4,491 |
| Loan loss allowance to noncurrent loans | 72.3429% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 1,682 |
| Noncurrent loans to loans | 1.0504% | 1,581 |
| Net loans and leases to total assets | 61.3735% | 3,363 |
| Net loans and leases to deposits | 69.6502% | 3,621 |
| Net loans and leases to core deposits | 70.4791% | 3,850 |
| Total domestic deposits to total assets | 88.1168% | 1,060 |
| Equity capital to assets | 11.7124% | 2,276 |
| Core capital (leverage) ratio | 11.5469% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,450,000 | 3,530 |
| Average earning assets | $125,239,000 | 3,503 |
| Average equity | $15,843,500 | 3,571 |
| Average total loans | $84,770,500 | 3,504 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 4,672 |
| Cost of funding earning assets | 0.2533% | 4,842 |
| Net interest margin | 3.4524% | 3,583 |
| Noninterest income to average assets | 0.3810% | 3,412 |
| Noninterest expense to average assets | 3.2279% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3476% | 4,682 |
| Return on assets (ROA) | 0.4181% | 4,598 |
| Pretax return on assets | 0.4181% | 4,683 |
| Return on Equity (ROE) | 3.8615% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.8615% | 3,037 |
| Net charge-offs to loans | -0.0035% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2789% | 346 |
| Assets per employee ($millions) | 5.5915% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 4,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 1,038 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 63.7898% | 3,227 |
| Net loans and leases to deposits | 72.8030% | 3,451 |
| Net loans and leases to core deposits | 73.5076% | 3,759 |
| Total domestic deposits to total assets | 87.6197% | 1,306 |
| Equity capital to assets | 11.8557% | 2,234 |
| Core capital (leverage) ratio | 11.4634% | 2,141 |
| Tier 1 risk-based capital ratio | 14.9684% | 2,792 |
| Total risk-based capital ratio | 15.5930% | 3,002 |
| Memoranda: | ||
| Average total assets | $140,402,800 | 3,429 |
| Average earning assets | $129,910,600 | 3,427 |
| Average equity | $15,201,400 | 3,620 |
| Average total loans | $85,560,000 | 3,488 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 4,729 |
| Cost of funding earning assets | 0.2815% | 4,840 |
| Net interest margin | 3.4664% | 3,675 |
| Noninterest income to average assets | 0.3973% | 3,335 |
| Noninterest expense to average assets | 3.1784% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4227% | 4,680 |
| Return on assets (ROA) | 0.5156% | 4,533 |
| Pretax return on assets | 0.5156% | 4,681 |
| Return on Equity (ROE) | 4.8720% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.8720% | 2,951 |
| Net charge-offs to loans | -0.0031% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2629% | 383 |
| Assets per employee ($millions) | 5.3544% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 4,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1990% | 1,056 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 64.2036% | 3,267 |
| Net loans and leases to deposits | 73.2964% | 3,534 |
| Net loans and leases to core deposits | 74.0039% | 3,829 |
| Total domestic deposits to total assets | 87.5945% | 1,221 |
| Equity capital to assets | 11.8893% | 2,337 |
| Core capital (leverage) ratio | 11.1897% | 2,478 |
| Tier 1 risk-based capital ratio | 14.9007% | 2,901 |
| Total risk-based capital ratio | 15.5230% | 3,088 |
| Memoranda: | ||
| Average total assets | $141,954,250 | 3,443 |
| Average earning assets | $131,197,500 | 3,439 |
| Average equity | $15,024,250 | 3,670 |
| Average total loans | $85,391,000 | 3,535 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 4,801 |
| Cost of funding earning assets | 0.3277% | 4,746 |
| Net interest margin | 3.3995% | 3,898 |
| Noninterest income to average assets | 0.3927% | 3,318 |
| Noninterest expense to average assets | 3.1275% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4065% | 4,724 |
| Return on assets (ROA) | 0.5199% | 4,516 |
| Pretax return on assets | 0.5199% | 4,666 |
| Return on Equity (ROE) | 5.1062% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.1062% | 2,715 |
| Net charge-offs to loans | -0.0024% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4977% | 418 |
| Assets per employee ($millions) | 5.8284% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 4,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 1,136 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 63.7649% | 3,365 |
| Net loans and leases to deposits | 72.1841% | 3,671 |
| Net loans and leases to core deposits | 75.9430% | 3,734 |
| Total domestic deposits to total assets | 88.3365% | 947 |
| Equity capital to assets | 11.1073% | 2,941 |
| Core capital (leverage) ratio | 10.5201% | 3,066 |
| Tier 1 risk-based capital ratio | 14.2425% | 3,191 |
| Total risk-based capital ratio | 14.8433% | 3,424 |
| Memoranda: | ||
| Average total assets | $144,652,330 | 3,417 |
| Average earning assets | $133,666,000 | 3,430 |
| Average equity | $14,727,330 | 3,704 |
| Average total loans | $84,996,670 | 3,570 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 4,926 |
| Cost of funding earning assets | 0.3892% | 4,533 |
| Net interest margin | 3.2466% | 4,287 |
| Noninterest income to average assets | 0.4353% | 2,942 |
| Noninterest expense to average assets | 3.1257% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3047% | 4,894 |
| Return on assets (ROA) | 0.3428% | 4,856 |
| Pretax return on assets | 0.3428% | 4,911 |
| Return on Equity (ROE) | 3.5189% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.5189% | 3,506 |
| Net charge-offs to loans | -0.0048% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1182% | 352 |
| Assets per employee ($millions) | 6.1135% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 4,670 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 1,203 |
| Noncurrent loans to loans | 0.0118% | 4,734 |
| Net loans and leases to total assets | 57.2303% | 3,964 |
| Net loans and leases to deposits | 63.9022% | 4,184 |
| Net loans and leases to core deposits | 70.9842% | 4,008 |
| Total domestic deposits to total assets | 89.5592% | 617 |
| Equity capital to assets | 10.1163% | 3,707 |
| Core capital (leverage) ratio | 10.0227% | 3,580 |
| Tier 1 risk-based capital ratio | 14.3101% | 3,188 |
| Total risk-based capital ratio | 14.9239% | 3,418 |
| Memoranda: | ||
| Average total assets | $147,038,000 | 3,425 |
| Average earning assets | $135,651,500 | 3,430 |
| Average equity | $14,322,500 | 3,756 |
| Average total loans | $82,582,500 | 3,641 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 5,034 |
| Cost of funding earning assets | 0.2056% | 4,978 |
| Net interest margin | 3.1637% | 4,550 |
| Noninterest income to average assets | 0.4052% | 3,408 |
| Noninterest expense to average assets | 3.0809% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2262% | 5,082 |
| Return on assets (ROA) | 0.2200% | 5,084 |
| Pretax return on assets | 0.2200% | 5,103 |
| Return on Equity (ROE) | 2.3689% | 4,995 |
| Retained earnings to average equity (ytd only) | 0.1619% | 4,938 |
| Net charge-offs to loans | -0.0634% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1612% | 255 |
| Assets per employee ($millions) | 5.8941% | 1,596 |
| Cash dividends to net income (ytd only)* | 93.1677% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 4,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 1,101 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 54.2480% | 4,262 |
| Net loans and leases to deposits | 64.3706% | 4,231 |
| Net loans and leases to core deposits | 67.5272% | 4,267 |
| Total domestic deposits to total assets | 84.2745% | 2,912 |
| Equity capital to assets | 9.3666% | 4,246 |
| Core capital (leverage) ratio | 9.9199% | 3,677 |
| Tier 1 risk-based capital ratio | 14.4131% | 3,106 |
| Total risk-based capital ratio | 15.0358% | 3,325 |
| Memoranda: | ||
| Average total assets | $146,354,800 | 3,424 |
| Average earning assets | $134,243,400 | 3,439 |
| Average equity | $13,592,600 | 3,802 |
| Average total loans | $74,165,600 | 3,788 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2826% | 5,139 |
| Cost of funding earning assets | 0.1554% | 5,205 |
| Net interest margin | 3.1272% | 4,660 |
| Noninterest income to average assets | 0.3860% | 3,561 |
| Noninterest expense to average assets | 3.0936% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1570% | 5,227 |
| Return on assets (ROA) | 0.1570% | 5,219 |
| Pretax return on assets | 0.1570% | 5,227 |
| Return on Equity (ROE) | 1.6937% | 5,165 |
| Retained earnings to average equity (ytd only) | -1.2604% | 5,150 |
| Net charge-offs to loans | -0.0845% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1713% | 215 |
| Assets per employee ($millions) | 5.7526% | 1,686 |
| Cash dividends to net income (ytd only)* | 174.4168% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 4,678 |
| Loan loss allowance to noncurrent loans | 413.1579% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4074% | 947 |
| Noncurrent loans to loans | 0.1899% | 4,034 |
| Net loans and leases to total assets | 53.1056% | 4,412 |
| Net loans and leases to deposits | 61.7001% | 4,455 |
| Net loans and leases to core deposits | 66.5056% | 4,381 |
| Total domestic deposits to total assets | 86.0705% | 2,157 |
| Equity capital to assets | 8.6295% | 4,851 |
| Core capital (leverage) ratio | 9.7879% | 3,856 |
| Tier 1 risk-based capital ratio | 14.3878% | 3,176 |
| Total risk-based capital ratio | 15.0149% | 3,401 |
| Memoranda: | ||
| Average total assets | $146,105,250 | 3,470 |
| Average earning assets | $133,835,000 | 3,480 |
| Average equity | $13,540,250 | 3,839 |
| Average total loans | $72,565,750 | 3,854 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 5,222 |
| Cost of funding earning assets | 0.1191% | 5,349 |
| Net interest margin | 3.0856% | 4,757 |
| Noninterest income to average assets | 0.6692% | 2,010 |
| Noninterest expense to average assets | 3.0369% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4567% | 4,845 |
| Return on assets (ROA) | 0.4567% | 4,850 |
| Pretax return on assets | 0.4567% | 4,977 |
| Return on Equity (ROE) | 4.8141% | 4,605 |
| Retained earnings to average equity (ytd only) | 2.6325% | 4,200 |
| Net charge-offs to loans | -0.1284% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9273% | 525 |
| Assets per employee ($millions) | 5.7568% | 1,673 |
| Cash dividends to net income (ytd only)* | 45.3172% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 4,702 |
| Loan loss allowance to noncurrent loans | 415.2318% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 1.5313% | 864 |
| Noncurrent loans to loans | 0.1923% | 4,042 |
| Net loans and leases to total assets | 52.0478% | 4,477 |
| Net loans and leases to deposits | 62.1662% | 4,411 |
| Net loans and leases to core deposits | 62.5647% | 4,583 |
| Total domestic deposits to total assets | 83.7235% | 3,163 |
| Equity capital to assets | 9.0529% | 4,520 |
| Core capital (leverage) ratio | 10.1824% | 3,379 |
| Tier 1 risk-based capital ratio | 15.5314% | 2,626 |
| Total risk-based capital ratio | 16.1930% | 2,824 |
| Memoranda: | ||
| Average total assets | $144,951,000 | 3,502 |
| Average earning assets | $132,681,330 | 3,518 |
| Average equity | $13,751,330 | 3,829 |
| Average total loans | $70,068,670 | 3,935 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0976% | 5,315 |
| Cost of funding earning assets | 0.1165% | 5,405 |
| Net interest margin | 2.9810% | 4,904 |
| Noninterest income to average assets | 0.9538% | 1,009 |
| Noninterest expense to average assets | 3.0718% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6087% | 4,404 |
| Return on assets (ROA) | 0.6087% | 4,409 |
| Pretax return on assets | 0.6087% | 4,666 |
| Return on Equity (ROE) | 6.2662% | 4,071 |
| Retained earnings to average equity (ytd only) | 6.2662% | 2,598 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4604% | 834 |
| Assets per employee ($millions) | 5.5283% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,650 |
| Loan loss allowance to noncurrent loans | 248.7179% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.6523% | 803 |
| Noncurrent loans to loans | 0.3406% | 3,541 |
| Net loans and leases to total assets | 47.3990% | 4,729 |
| Net loans and leases to deposits | 52.4218% | 4,867 |
| Net loans and leases to core deposits | 52.7445% | 4,959 |
| Total domestic deposits to total assets | 90.4185% | 497 |
| Equity capital to assets | 9.3853% | 4,200 |
| Core capital (leverage) ratio | 10.3151% | 3,171 |
| Tier 1 risk-based capital ratio | 17.5632% | 1,957 |
| Total risk-based capital ratio | 18.2561% | 2,069 |
| Memoranda: | ||
| Average total assets | $142,588,500 | 3,568 |
| Average earning assets | $130,425,000 | 3,583 |
| Average equity | $13,852,000 | 3,848 |
| Average total loans | $65,838,000 | 4,060 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8282% | 5,449 |
| Cost of funding earning assets | 0.1172% | 5,429 |
| Net interest margin | 2.7109% | 5,267 |
| Noninterest income to average assets | 0.4108% | 3,562 |
| Noninterest expense to average assets | 3.0229% | 2,096 |
| Loan and lease loss provision to assets | 0.0399% | 3,469 |
| Net operating income to assets | -0.1783% | 5,446 |
| Return on assets (ROA) | 0.0064% | 5,350 |
| Pretax return on assets | 0.0064% | 5,431 |
| Return on Equity (ROE) | 0.0644% | 5,348 |
| Retained earnings to average equity (ytd only) | 0.0644% | 4,976 |
| Net charge-offs to loans | -0.0037% | 4,595 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7960% | 127 |
| Assets per employee ($millions) | 5.4401% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 4,349 |
| Loan loss allowance to noncurrent loans | 373.0769% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.7081% | 747 |
| Noncurrent loans to loans | 0.2478% | 3,905 |
| Net loans and leases to total assets | 44.1050% | 4,973 |
| Net loans and leases to deposits | 49.1696% | 5,092 |
| Net loans and leases to core deposits | 49.4785% | 5,149 |
| Total domestic deposits to total assets | 89.6997% | 683 |
| Equity capital to assets | 10.0493% | 3,647 |
| Core capital (leverage) ratio | 10.3995% | 2,966 |
| Tier 1 risk-based capital ratio | 18.3878% | 1,682 |
| Total risk-based capital ratio | 19.1239% | 1,785 |
| Memoranda: | ||
| Average total assets | $140,227,400 | 3,613 |
| Average earning assets | $127,963,400 | 3,612 |
| Average equity | $13,976,600 | 3,847 |
| Average total loans | $53,595,400 | 4,378 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7611% | 5,533 |
| Cost of funding earning assets | 0.1179% | 5,491 |
| Net interest margin | 2.6432% | 5,375 |
| Noninterest income to average assets | 0.4278% | 3,495 |
| Noninterest expense to average assets | 3.0673% | 1,897 |
| Loan and lease loss provision to assets | 0.0324% | 3,475 |
| Net operating income to assets | -0.2582% | 5,596 |
| Return on assets (ROA) | -0.0114% | 5,524 |
| Pretax return on assets | -0.0114% | 5,517 |
| Return on Equity (ROE) | -0.1150% | 5,522 |
| Retained earnings to average equity (ytd only) | -0.1150% | 5,222 |
| Net charge-offs to loans | -0.0052% | 4,466 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9477% | 109 |
| Assets per employee ($millions) | 5.1803% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,595 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.7717% | 794 |
| Noncurrent loans to loans | 0.5030% | 3,192 |
| Net loans and leases to total assets | 44.3722% | 5,010 |
| Net loans and leases to deposits | 49.6854% | 5,138 |
| Net loans and leases to core deposits | 50.0020% | 5,199 |
| Total domestic deposits to total assets | 89.3063% | 745 |
| Equity capital to assets | 10.3556% | 3,528 |
| Core capital (leverage) ratio | 10.3186% | 3,177 |
| Tier 1 risk-based capital ratio | 18.8826% | 1,627 |
| Total risk-based capital ratio | 19.6111% | 1,720 |
| Memoranda: | ||
| Average total assets | $139,923,750 | 3,649 |
| Average earning assets | $127,770,000 | 3,654 |
| Average equity | $13,917,250 | 3,893 |
| Average total loans | $51,253,000 | 4,466 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6512% | 5,609 |
| Cost of funding earning assets | 0.1174% | 5,525 |
| Net interest margin | 2.5338% | 5,483 |
| Noninterest income to average assets | 0.4545% | 3,323 |
| Noninterest expense to average assets | 3.0827% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.3158% | 5,652 |
| Return on assets (ROA) | -0.0643% | 5,577 |
| Pretax return on assets | -0.0643% | 5,573 |
| Return on Equity (ROE) | -0.6556% | 5,579 |
| Retained earnings to average equity (ytd only) | -0.6556% | 5,179 |
| Net charge-offs to loans | -0.0042% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4153% | 98 |
| Assets per employee ($millions) | 5.0699% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 4,726 |
| Loan loss allowance to noncurrent loans | 164.0625% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.7491% | 804 |
| Noncurrent loans to loans | 0.5348% | 3,154 |
| Net loans and leases to total assets | 41.7810% | 5,151 |
| Net loans and leases to deposits | 46.6898% | 5,266 |
| Net loans and leases to core deposits | 47.1692% | 5,307 |
| Total domestic deposits to total assets | 89.4863% | 728 |
| Equity capital to assets | 10.2327% | 3,639 |
| Core capital (leverage) ratio | 10.2066% | 3,265 |
| Tier 1 risk-based capital ratio | 19.4852% | 1,480 |
| Total risk-based capital ratio | 20.1916% | 1,562 |
| Memoranda: | ||
| Average total assets | $139,942,670 | 3,666 |
| Average earning assets | $127,715,330 | 3,674 |
| Average equity | $13,728,330 | 3,928 |
| Average total loans | $47,463,330 | 4,595 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5829% | 5,692 |
| Cost of funding earning assets | 0.1168% | 5,580 |
| Net interest margin | 2.4660% | 5,574 |
| Noninterest income to average assets | 0.5125% | 2,894 |
| Noninterest expense to average assets | 3.1007% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3397% | 5,707 |
| Return on assets (ROA) | -0.2678% | 5,693 |
| Pretax return on assets | -0.2678% | 5,680 |
| Return on Equity (ROE) | -2.7908% | 5,704 |
| Retained earnings to average equity (ytd only) | -2.7908% | 5,247 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3045% | 103 |
| Assets per employee ($millions) | 5.2739% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,627 |
| Loan loss allowance to noncurrent loans | 87.3333% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.8020% | 786 |
| Noncurrent loans to loans | 1.2758% | 1,579 |
| Net loans and leases to total assets | 32.6582% | 5,519 |
| Net loans and leases to deposits | 36.2361% | 5,579 |
| Net loans and leases to core deposits | 36.6041% | 5,610 |
| Total domestic deposits to total assets | 90.1261% | 606 |
| Equity capital to assets | 9.5270% | 4,263 |
| Core capital (leverage) ratio | 10.4295% | 2,985 |
| Tier 1 risk-based capital ratio | 22.5739% | 1,027 |
| Total risk-based capital ratio | 23.3934% | 1,051 |
| Memoranda: | ||
| Average total assets | $138,935,500 | 3,714 |
| Average earning assets | $126,681,000 | 3,726 |
| Average equity | $13,329,500 | 4,011 |
| Average total loans | $41,277,000 | 4,805 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6498% | 5,710 |
| Cost of funding earning assets | 0.1298% | 5,547 |
| Net interest margin | 2.5200% | 5,576 |
| Noninterest income to average assets | 0.4972% | 3,259 |
| Noninterest expense to average assets | 3.1127% | 1,998 |
| Loan and lease loss provision to assets | -0.0593% | 5,611 |
| Net operating income to assets | -0.3119% | 5,744 |
| Return on assets (ROA) | 0.3882% | 5,065 |
| Pretax return on assets | 0.3882% | 5,242 |
| Return on Equity (ROE) | 3.4257% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.4257% | 3,491 |
| Net charge-offs to loans | -0.1758% | 5,715 |
| Credit loss provision to net charge-offs | 129.0323% | 2,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5405% | 108 |
| Assets per employee ($millions) | 4.8384% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,778 |
| Loan loss allowance to noncurrent loans | 63.7470% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 818 |
| Noncurrent loans to loans | 2.3138% | 714 |
| Net loans and leases to total assets | 25.8365% | 5,733 |
| Net loans and leases to deposits | 28.7123% | 5,753 |
| Net loans and leases to core deposits | 29.0191% | 5,762 |
| Total domestic deposits to total assets | 89.9841% | 633 |
| Equity capital to assets | 9.6645% | 4,101 |
| Core capital (leverage) ratio | 10.7212% | 2,630 |
| Tier 1 risk-based capital ratio | 26.7206% | 642 |
| Total risk-based capital ratio | 27.6844% | 645 |
| Memoranda: | ||
| Average total assets | $134,965,200 | 3,758 |
| Average earning assets | $120,199,000 | 3,824 |
| Average equity | $15,296,200 | 3,776 |
| Average total loans | $35,268,000 | 5,033 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6649% | 5,774 |
| Cost of funding earning assets | 0.1302% | 5,613 |
| Net interest margin | 2.5347% | 5,636 |
| Noninterest income to average assets | 0.5181% | 3,130 |
| Noninterest expense to average assets | 3.1692% | 1,854 |
| Loan and lease loss provision to assets | -0.0791% | 5,765 |
| Net operating income to assets | -0.3194% | 5,828 |
| Return on assets (ROA) | 0.5448% | 4,622 |
| Pretax return on assets | 0.5448% | 5,019 |
| Return on Equity (ROE) | 4.6359% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.6359% | 3,066 |
| Net charge-offs to loans | -0.3712% | 5,859 |
| Credit loss provision to net charge-offs | 81.6327% | 2,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3826% | 102 |
| Assets per employee ($millions) | 4.9075% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 1,356 |
| Loan loss allowance to noncurrent loans | 49.1228% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 776 |
| Noncurrent loans to loans | 3.3358% | 409 |
| Net loans and leases to total assets | 24.4635% | 5,819 |
| Net loans and leases to deposits | 27.8928% | 5,835 |
| Net loans and leases to core deposits | 28.1941% | 5,843 |
| Total domestic deposits to total assets | 87.7053% | 1,552 |
| Equity capital to assets | 11.8813% | 2,196 |
| Core capital (leverage) ratio | 10.6420% | 2,835 |
| Tier 1 risk-based capital ratio | 27.5564% | 609 |
| Total risk-based capital ratio | 28.6166% | 608 |
| Memoranda: | ||
| Average total assets | $134,837,750 | 3,777 |
| Average earning assets | $119,827,750 | 3,853 |
| Average equity | $15,847,000 | 3,744 |
| Average total loans | $35,203,500 | 5,087 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7126% | 5,837 |
| Cost of funding earning assets | 0.1311% | 5,682 |
| Net interest margin | 2.5814% | 5,684 |
| Noninterest income to average assets | 0.5240% | 3,042 |
| Noninterest expense to average assets | 3.2064% | 1,793 |
| Loan and lease loss provision to assets | -0.1194% | 5,893 |
| Net operating income to assets | -0.2418% | 5,862 |
| Return on assets (ROA) | 0.7732% | 3,579 |
| Pretax return on assets | 0.7732% | 4,378 |
| Return on Equity (ROE) | 6.6041% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.6041% | 1,814 |
| Net charge-offs to loans | -0.5514% | 5,951 |
| Credit loss provision to net charge-offs | 81.6327% | 2,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6967% | 128 |
| Assets per employee ($millions) | 4.7521% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,634 |
| Loan loss allowance to noncurrent loans | 62.2914% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 934 |
| Noncurrent loans to loans | 2.5122% | 688 |
| Net loans and leases to total assets | 25.5602% | 5,874 |
| Net loans and leases to deposits | 29.3356% | 5,890 |
| Net loans and leases to core deposits | 29.6534% | 5,899 |
| Total domestic deposits to total assets | 87.1303% | 1,850 |
| Equity capital to assets | 12.4242% | 1,825 |
| Core capital (leverage) ratio | 10.7169% | 2,728 |
| Tier 1 risk-based capital ratio | 26.9436% | 657 |
| Total risk-based capital ratio | 27.9827% | 654 |
| Memoranda: | ||
| Average total assets | $133,980,670 | 3,810 |
| Average earning assets | $120,477,000 | 3,866 |
| Average equity | $15,687,330 | 3,779 |
| Average total loans | $35,546,330 | 5,121 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 5,883 |
| Cost of funding earning assets | 0.1333% | 5,732 |
| Net interest margin | 2.6123% | 5,710 |
| Noninterest income to average assets | 0.6179% | 2,428 |
| Noninterest expense to average assets | 3.3135% | 1,568 |
| Loan and lease loss provision to assets | 0.0545% | 2,851 |
| Net operating income to assets | -0.3756% | 5,940 |
| Return on assets (ROA) | 0.8905% | 2,929 |
| Pretax return on assets | 0.8905% | 3,884 |
| Return on Equity (ROE) | 7.8557% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.8557% | 1,521 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7287% | 148 |
| Assets per employee ($millions) | 4.4460% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 1,808 |
| Loan loss allowance to noncurrent loans | 72.0721% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.7221% | 1,112 |
| Noncurrent loans to loans | 2.1427% | 972 |
| Net loans and leases to total assets | 26.7671% | 5,902 |
| Net loans and leases to deposits | 30.4176% | 5,922 |
| Net loans and leases to core deposits | 30.7548% | 5,938 |
| Total domestic deposits to total assets | 87.9990% | 1,644 |
| Equity capital to assets | 11.5265% | 2,423 |
| Core capital (leverage) ratio | 10.8960% | 2,509 |
| Tier 1 risk-based capital ratio | 27.3182% | 655 |
| Total risk-based capital ratio | 28.3883% | 646 |
| Memoranda: | ||
| Average total assets | $132,065,000 | 3,879 |
| Average earning assets | $120,045,500 | 3,906 |
| Average equity | $14,970,000 | 3,871 |
| Average total loans | $35,427,000 | 5,166 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7865% | 5,887 |
| Cost of funding earning assets | 0.1383% | 5,764 |
| Net interest margin | 2.6481% | 5,710 |
| Noninterest income to average assets | 0.3675% | 4,274 |
| Noninterest expense to average assets | 3.8781% | 780 |
| Loan and lease loss provision to assets | 0.0190% | 4,027 |
| Net operating income to assets | -1.0880% | 6,105 |
| Return on assets (ROA) | -0.8693% | 6,096 |
| Pretax return on assets | -0.8693% | 6,088 |
| Return on Equity (ROE) | -7.4558% | 6,078 |
| Retained earnings to average equity (ytd only) | -7.4558% | 5,992 |
| Net charge-offs to loans | 0.4280% | 654 |
| Credit loss provision to net charge-offs | 16.0256% | 3,778 |
| Earnings coverage of net charge-offs (x) | -9.0256% | 4,420 |
| Efficiency ratio | 138.0541% | 51 |
| Assets per employee ($millions) | 4.5086% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,732 |
| Loan loss allowance to noncurrent loans | 68.9567% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.7637% | 1,081 |
| Noncurrent loans to loans | 2.2722% | 852 |
| Net loans and leases to total assets | 26.0421% | 5,974 |
| Net loans and leases to deposits | 29.4892% | 5,998 |
| Net loans and leases to core deposits | 29.8213% | 6,008 |
| Total domestic deposits to total assets | 88.3105% | 1,469 |
| Equity capital to assets | 11.1403% | 2,687 |
| Core capital (leverage) ratio | 10.8392% | 2,574 |
| Tier 1 risk-based capital ratio | 26.9019% | 677 |
| Total risk-based capital ratio | 27.9432% | 670 |
| Memoranda: | ||
| Average total assets | $131,714,600 | 3,855 |
| Average earning assets | $121,443,800 | 3,852 |
| Average equity | $15,357,200 | 3,776 |
| Average total loans | $36,446,600 | 5,136 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8181% | 5,948 |
| Cost of funding earning assets | 0.1404% | 5,843 |
| Net interest margin | 2.6777% | 5,746 |
| Noninterest income to average assets | 0.3678% | 4,299 |
| Noninterest expense to average assets | 3.2657% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4314% | 6,124 |
| Return on assets (ROA) | -0.2304% | 6,073 |
| Pretax return on assets | -0.2304% | 6,060 |
| Return on Equity (ROE) | -1.9543% | 6,065 |
| Retained earnings to average equity (ytd only) | -1.9543% | 5,849 |
| Net charge-offs to loans | 0.4913% | 486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.1397% | 4,103 |
| Efficiency ratio | 115.2228% | 114 |
| Assets per employee ($millions) | 4.6325% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 1,702 |
| Loan loss allowance to noncurrent loans | 60.1344% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 2.5580% | 660 |
| Noncurrent loans to loans | 2.7002% | 712 |
| Net loans and leases to total assets | 25.0827% | 6,072 |
| Net loans and leases to deposits | 28.7166% | 6,094 |
| Net loans and leases to core deposits | 29.0460% | 6,104 |
| Total domestic deposits to total assets | 87.3457% | 1,871 |
| Equity capital to assets | 12.1624% | 1,989 |
| Core capital (leverage) ratio | 11.2322% | 2,262 |
| Tier 1 risk-based capital ratio | 29.1580% | 562 |
| Total risk-based capital ratio | 30.2073% | 564 |
| Memoranda: | ||
| Average total assets | $131,955,750 | 3,895 |
| Average earning assets | $121,545,250 | 3,891 |
| Average equity | $15,555,000 | 3,792 |
| Average total loans | $36,910,250 | 5,178 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8166% | 6,001 |
| Cost of funding earning assets | 0.1399% | 5,920 |
| Net interest margin | 2.6767% | 5,796 |
| Noninterest income to average assets | 0.3542% | 4,425 |
| Noninterest expense to average assets | 3.2177% | 1,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3843% | 6,156 |
| Return on assets (ROA) | -0.2291% | 6,132 |
| Pretax return on assets | -0.2291% | 6,123 |
| Return on Equity (ROE) | -1.9637% | 6,127 |
| Retained earnings to average equity (ytd only) | -1.9637% | 5,823 |
| Net charge-offs to loans | 0.1990% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -6.7105% | 3,830 |
| Efficiency ratio | 113.5638% | 142 |
| Assets per employee ($millions) | 4.6216% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 1,503 |
| Loan loss allowance to noncurrent loans | 23.1583% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.4891% | 762 |
| Noncurrent loans to loans | 7.5381% | 99 |
| Net loans and leases to total assets | 26.6663% | 6,121 |
| Net loans and leases to deposits | 30.1535% | 6,142 |
| Net loans and leases to core deposits | 31.2856% | 6,143 |
| Total domestic deposits to total assets | 88.4352% | 1,429 |
| Equity capital to assets | 11.0813% | 2,805 |
| Core capital (leverage) ratio | 11.2358% | 2,217 |
| Tier 1 risk-based capital ratio | 30.2835% | 527 |
| Total risk-based capital ratio | 31.5335% | 519 |
| Memoranda: | ||
| Average total assets | $132,704,000 | 3,912 |
| Average earning assets | $122,913,000 | 3,895 |
| Average equity | $15,481,330 | 3,818 |
| Average total loans | $38,189,670 | 5,174 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7954% | 6,075 |
| Cost of funding earning assets | 0.1440% | 5,974 |
| Net interest margin | 2.6513% | 5,867 |
| Noninterest income to average assets | 0.3453% | 4,438 |
| Noninterest expense to average assets | 3.2626% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4635% | 6,232 |
| Return on assets (ROA) | -0.2908% | 6,204 |
| Pretax return on assets | -0.2908% | 6,187 |
| Return on Equity (ROE) | -2.4310% | 6,192 |
| Retained earnings to average equity (ytd only) | -2.4310% | 5,735 |
| Net charge-offs to loans | 0.3990% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -3.9231% | 3,223 |
| Efficiency ratio | 116.5584% | 148 |
| Assets per employee ($millions) | 4.7483% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 1,813 |
| Loan loss allowance to noncurrent loans | 25.6680% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 2.3046% | 971 |
| Noncurrent loans to loans | 6.5115% | 156 |
| Net loans and leases to total assets | 28.0543% | 6,131 |
| Net loans and leases to deposits | 32.1225% | 6,160 |
| Net loans and leases to core deposits | 33.4292% | 6,153 |
| Total domestic deposits to total assets | 87.3354% | 2,197 |
| Equity capital to assets | 12.1246% | 1,940 |
| Core capital (leverage) ratio | 11.5360% | 1,973 |
| Tier 1 risk-based capital ratio | 31.6604% | 471 |
| Total risk-based capital ratio | 32.9120% | 468 |
| Memoranda: | ||
| Average total assets | $132,042,500 | 3,953 |
| Average earning assets | $122,202,500 | 3,935 |
| Average equity | $15,796,000 | 3,781 |
| Average total loans | $39,097,000 | 5,174 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0049% | 6,065 |
| Cost of funding earning assets | 0.1649% | 6,012 |
| Net interest margin | 2.8401% | 5,749 |
| Noninterest income to average assets | 0.4185% | 4,047 |
| Noninterest expense to average assets | 3.4017% | 1,695 |
| Loan and lease loss provision to assets | 0.9897% | 114 |
| Net operating income to assets | -1.3823% | 6,418 |
| Return on assets (ROA) | -0.6712% | 6,327 |
| Pretax return on assets | -0.6712% | 6,317 |
| Return on Equity (ROE) | -5.9032% | 6,309 |
| Retained earnings to average equity (ytd only) | -5.9032% | 6,216 |
| Net charge-offs to loans | 3.8081% | 20 |
| Credit loss provision to net charge-offs | 84.0780% | 2,784 |
| Earnings coverage of net charge-offs (x) | -0.3335% | 4,749 |
| Efficiency ratio | 113.0478% | 178 |
| Assets per employee ($millions) | 4.5218% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 1,856 |
| Loan loss allowance to noncurrent loans | 26.7488% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.3717% | 988 |
| Noncurrent loans to loans | 6.2492% | 176 |
| Net loans and leases to total assets | 30.1894% | 6,169 |
| Net loans and leases to deposits | 34.4534% | 6,211 |
| Net loans and leases to core deposits | 36.2976% | 6,197 |
| Total domestic deposits to total assets | 87.6239% | 1,968 |
| Equity capital to assets | 11.7988% | 2,172 |
| Core capital (leverage) ratio | 11.4613% | 2,001 |
| Tier 1 risk-based capital ratio | 30.7058% | 486 |
| Total risk-based capital ratio | 31.9564% | 472 |
| Memoranda: | ||
| Average total assets | $134,991,600 | 3,884 |
| Average earning assets | $123,130,600 | 3,900 |
| Average equity | $15,347,600 | 3,772 |
| Average total loans | $41,726,800 | 5,117 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9977% | 6,145 |
| Cost of funding earning assets | 0.1669% | 6,083 |
| Net interest margin | 2.8308% | 5,827 |
| Noninterest income to average assets | 0.4276% | 4,039 |
| Noninterest expense to average assets | 3.1009% | 2,465 |
| Loan and lease loss provision to assets | 0.5894% | 230 |
| Net operating income to assets | -0.6845% | 6,419 |
| Return on assets (ROA) | -0.2962% | 6,309 |
| Pretax return on assets | -0.2962% | 6,291 |
| Return on Equity (ROE) | -2.6289% | 6,305 |
| Retained earnings to average equity (ytd only) | -2.6289% | 6,119 |
| Net charge-offs to loans | 2.4991% | 64 |
| Credit loss provision to net charge-offs | 76.1724% | 2,667 |
| Earnings coverage of net charge-offs (x) | -0.1229% | 4,467 |
| Efficiency ratio | 103.1648% | 306 |
| Assets per employee ($millions) | 4.5596% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,758 |
| Loan loss allowance to noncurrent loans | 20.2636% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 2.8262% | 866 |
| Noncurrent loans to loans | 8.7443% | 99 |
| Net loans and leases to total assets | 30.9403% | 6,226 |
| Net loans and leases to deposits | 35.3827% | 6,260 |
| Net loans and leases to core deposits | 37.5222% | 6,251 |
| Total domestic deposits to total assets | 87.4445% | 2,068 |
| Equity capital to assets | 12.1433% | 1,953 |
| Core capital (leverage) ratio | 11.7360% | 1,879 |
| Tier 1 risk-based capital ratio | 30.1412% | 515 |
| Total risk-based capital ratio | 31.3925% | 508 |
| Memoranda: | ||
| Average total assets | $135,956,500 | 3,900 |
| Average earning assets | $123,825,250 | 3,917 |
| Average equity | $15,316,500 | 3,800 |
| Average total loans | $42,093,250 | 5,160 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9780% | 6,205 |
| Cost of funding earning assets | 0.1691% | 6,143 |
| Net interest margin | 2.8089% | 5,887 |
| Noninterest income to average assets | 0.4636% | 3,761 |
| Noninterest expense to average assets | 3.2099% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1793% | 6,307 |
| Return on assets (ROA) | 0.2464% | 5,796 |
| Pretax return on assets | 0.2464% | 5,878 |
| Return on Equity (ROE) | 2.2429% | 5,778 |
| Retained earnings to average equity (ytd only) | 2.2429% | 4,764 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9163% | 297 |
| Assets per employee ($millions) | 4.6835% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 992 |
| Loan loss allowance to noncurrent loans | 20.8700% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 3.3367% | 726 |
| Noncurrent loans to loans | 10.6546% | 67 |
| Net loans and leases to total assets | 29.9789% | 6,305 |
| Net loans and leases to deposits | 34.2349% | 6,339 |
| Net loans and leases to core deposits | 36.2427% | 6,321 |
| Total domestic deposits to total assets | 87.5683% | 2,159 |
| Equity capital to assets | 11.9958% | 1,984 |
| Core capital (leverage) ratio | 11.7913% | 1,793 |
| Tier 1 risk-based capital ratio | 31.1043% | 480 |
| Total risk-based capital ratio | 32.3600% | 475 |
| Memoranda: | ||
| Average total assets | $137,199,000 | 3,904 |
| Average earning assets | $125,388,000 | 3,903 |
| Average equity | $15,069,670 | 3,842 |
| Average total loans | $42,241,000 | 5,191 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9786% | 6,262 |
| Cost of funding earning assets | 0.1790% | 6,176 |
| Net interest margin | 2.7996% | 5,934 |
| Noninterest income to average assets | 0.3655% | 4,467 |
| Noninterest expense to average assets | 3.3680% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4612% | 6,459 |
| Return on assets (ROA) | -0.1247% | 6,311 |
| Pretax return on assets | -0.1247% | 6,299 |
| Return on Equity (ROE) | -1.1897% | 6,312 |
| Retained earnings to average equity (ytd only) | -1.1897% | 5,760 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8683% | 212 |
| Assets per employee ($millions) | 4.7760% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2153% | 1,134 |
| Loan loss allowance to noncurrent loans | 20.1699% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.9999% | 590 |
| Noncurrent loans to loans | 10.9830% | 83 |
| Net loans and leases to total assets | 29.5118% | 6,372 |
| Net loans and leases to deposits | 33.3054% | 6,391 |
| Net loans and leases to core deposits | 35.9698% | 6,363 |
| Total domestic deposits to total assets | 88.6097% | 1,885 |
| Equity capital to assets | 10.9463% | 2,770 |
| Core capital (leverage) ratio | 11.5221% | 1,950 |
| Tier 1 risk-based capital ratio | 29.8068% | 536 |
| Total risk-based capital ratio | 31.0634% | 528 |
| Memoranda: | ||
| Average total assets | $137,887,500 | 3,922 |
| Average earning assets | $125,159,500 | 3,942 |
| Average equity | $14,458,000 | 3,956 |
| Average total loans | $42,539,500 | 5,218 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8377% | 6,475 |
| Cost of funding earning assets | 0.2146% | 6,204 |
| Net interest margin | 2.6231% | 6,239 |
| Noninterest income to average assets | 0.4409% | 4,149 |
| Noninterest expense to average assets | 3.3778% | 1,929 |
| Loan and lease loss provision to assets | 0.5630% | 460 |
| Net operating income to assets | -1.1100% | 6,626 |
| Return on assets (ROA) | -0.6441% | 6,540 |
| Pretax return on assets | -0.6441% | 6,523 |
| Return on Equity (ROE) | -5.7056% | 6,502 |
| Retained earnings to average equity (ytd only) | -5.7056% | 6,404 |
| Net charge-offs to loans | 2.0808% | 174 |
| Credit loss provision to net charge-offs | 86.1996% | 2,868 |
| Earnings coverage of net charge-offs (x) | -0.8376% | 5,244 |
| Efficiency ratio | 119.3240% | 183 |
| Assets per employee ($millions) | 4.7335% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,268 |
| Loan loss allowance to noncurrent loans | 20.9787% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 4.0103% | 663 |
| Noncurrent loans to loans | 10.1992% | 108 |
| Net loans and leases to total assets | 30.8528% | 6,431 |
| Net loans and leases to deposits | 34.4748% | 6,475 |
| Net loans and leases to core deposits | 37.8762% | 6,422 |
| Total domestic deposits to total assets | 89.4938% | 1,338 |
| Equity capital to assets | 10.0203% | 3,741 |
| Core capital (leverage) ratio | 11.4600% | 1,991 |
| Tier 1 risk-based capital ratio | 29.2766% | 536 |
| Total risk-based capital ratio | 30.5312% | 530 |
| Memoranda: | ||
| Average total assets | $144,236,200 | 3,805 |
| Average earning assets | $131,410,600 | 3,816 |
| Average equity | $16,282,200 | 3,657 |
| Average total loans | $45,270,200 | 5,140 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7781% | 6,582 |
| Cost of funding earning assets | 0.2100% | 6,356 |
| Net interest margin | 2.5681% | 6,354 |
| Noninterest income to average assets | 0.4612% | 4,069 |
| Noninterest expense to average assets | 3.0616% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2658% | 6,500 |
| Return on assets (ROA) | 0.4137% | 5,330 |
| Pretax return on assets | 0.4137% | 5,588 |
| Return on Equity (ROE) | 3.5709% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.5709% | 4,158 |
| Net charge-offs to loans | 0.5098% | 1,261 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.6628% | 5,065 |
| Efficiency ratio | 109.5067% | 274 |
| Assets per employee ($millions) | 4.6235% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 1,801 |
| Loan loss allowance to noncurrent loans | 16.7905% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 4.5773% | 650 |
| Noncurrent loans to loans | 11.7225% | 91 |
| Net loans and leases to total assets | 31.6345% | 6,472 |
| Net loans and leases to deposits | 35.7199% | 6,519 |
| Net loans and leases to core deposits | 39.1071% | 6,478 |
| Total domestic deposits to total assets | 88.5629% | 1,803 |
| Equity capital to assets | 11.0464% | 2,719 |
| Core capital (leverage) ratio | 12.4363% | 1,452 |
| Tier 1 risk-based capital ratio | 30.5045% | 491 |
| Total risk-based capital ratio | 31.7589% | 492 |
| Memoranda: | ||
| Average total assets | $145,977,500 | 3,813 |
| Average earning assets | $132,700,750 | 3,824 |
| Average equity | $16,914,000 | 3,612 |
| Average total loans | $45,768,250 | 5,174 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7454% | 6,634 |
| Cost of funding earning assets | 0.2155% | 6,400 |
| Net interest margin | 2.5299% | 6,416 |
| Noninterest income to average assets | 0.4973% | 3,858 |
| Noninterest expense to average assets | 3.1401% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3491% | 6,582 |
| Return on assets (ROA) | 0.5997% | 4,467 |
| Pretax return on assets | 0.5997% | 5,015 |
| Return on Equity (ROE) | 5.1018% | 4,668 |
| Retained earnings to average equity (ytd only) | 5.1018% | 2,987 |
| Net charge-offs to loans | 0.7591% | 839 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.4800% | 4,743 |
| Efficiency ratio | 112.5060% | 247 |
| Assets per employee ($millions) | 4.6569% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 1,982 |
| Loan loss allowance to noncurrent loans | 16.1770% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 4.5357% | 725 |
| Noncurrent loans to loans | 12.0231% | 90 |
| Net loans and leases to total assets | 30.7658% | 6,550 |
| Net loans and leases to deposits | 34.5478% | 6,588 |
| Net loans and leases to core deposits | 38.4130% | 6,525 |
| Total domestic deposits to total assets | 89.0527% | 1,602 |
| Equity capital to assets | 10.5531% | 3,234 |
| Core capital (leverage) ratio | 11.7148% | 1,790 |
| Tier 1 risk-based capital ratio | 30.4522% | 498 |
| Total risk-based capital ratio | 31.7049% | 498 |
| Memoranda: | ||
| Average total assets | $148,401,330 | 3,800 |
| Average earning assets | $134,552,000 | 3,814 |
| Average equity | $17,444,670 | 3,557 |
| Average total loans | $46,104,330 | 5,184 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7878% | 6,687 |
| Cost of funding earning assets | 0.2301% | 6,415 |
| Net interest margin | 2.5577% | 6,429 |
| Noninterest income to average assets | 0.5239% | 3,613 |
| Noninterest expense to average assets | 3.0049% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1755% | 6,501 |
| Return on assets (ROA) | 1.1435% | 1,820 |
| Pretax return on assets | 1.1435% | 2,798 |
| Return on Equity (ROE) | 9.2725% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.2725% | 1,294 |
| Net charge-offs to loans | 1.0665% | 565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.5323% | 3,927 |
| Efficiency ratio | 106.2030% | 392 |
| Assets per employee ($millions) | 5.0483% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0034% | 2,035 |
| Loan loss allowance to noncurrent loans | 19.5470% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 3.9743% | 1,010 |
| Noncurrent loans to loans | 10.2491% | 199 |
| Net loans and leases to total assets | 30.1019% | 6,604 |
| Net loans and leases to deposits | 34.3423% | 6,625 |
| Net loans and leases to core deposits | 38.0121% | 6,561 |
| Total domestic deposits to total assets | 87.6526% | 2,542 |
| Equity capital to assets | 12.0106% | 2,034 |
| Core capital (leverage) ratio | 11.5675% | 1,836 |
| Tier 1 risk-based capital ratio | 29.7044% | 548 |
| Total risk-based capital ratio | 30.9582% | 540 |
| Memoranda: | ||
| Average total assets | $150,419,500 | 3,798 |
| Average earning assets | $135,590,500 | 3,836 |
| Average equity | $18,549,500 | 3,443 |
| Average total loans | $46,508,500 | 5,198 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1244% | 6,712 |
| Cost of funding earning assets | 0.3108% | 6,402 |
| Net interest margin | 2.8136% | 6,367 |
| Noninterest income to average assets | 0.4928% | 3,950 |
| Noninterest expense to average assets | 3.2089% | 2,579 |
| Loan and lease loss provision to assets | 0.0154% | 5,711 |
| Net operating income to assets | -0.1892% | 6,371 |
| Return on assets (ROA) | 0.6633% | 4,181 |
| Pretax return on assets | 0.6633% | 4,783 |
| Return on Equity (ROE) | 5.3651% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.4722% | 3,776 |
| Net charge-offs to loans | 0.2955% | 3,170 |
| Credit loss provision to net charge-offs | 15.9722% | 5,328 |
| Earnings coverage of net charge-offs (x) | -1.8056% | 5,825 |
| Efficiency ratio | 105.7281% | 414 |
| Assets per employee ($millions) | 4.5270% | 2,911 |
| Cash dividends to net income (ytd only)* | 35.2823% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 1,416 |
| Loan loss allowance to noncurrent loans | 20.0456% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 5.4214% | 692 |
| Noncurrent loans to loans | 11.3300% | 171 |
| Net loans and leases to total assets | 30.4170% | 6,687 |
| Net loans and leases to deposits | 34.9240% | 6,710 |
| Net loans and leases to core deposits | 38.8635% | 6,646 |
| Total domestic deposits to total assets | 87.0949% | 2,783 |
| Equity capital to assets | 12.6575% | 1,608 |
| Core capital (leverage) ratio | 11.4065% | 1,936 |
| Tier 1 risk-based capital ratio | 28.5657% | 590 |
| Total risk-based capital ratio | 29.8221% | 574 |
| Memoranda: | ||
| Average total assets | $149,553,200 | 3,782 |
| Average earning assets | $135,131,000 | 3,807 |
| Average equity | $18,489,800 | 3,407 |
| Average total loans | $48,724,400 | 5,152 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 6,810 |
| Cost of funding earning assets | 0.3217% | 6,503 |
| Net interest margin | 2.8490% | 6,436 |
| Noninterest income to average assets | 0.4911% | 3,980 |
| Noninterest expense to average assets | 3.1560% | 2,697 |
| Loan and lease loss provision to assets | 0.0205% | 5,538 |
| Net operating income to assets | -0.1043% | 6,405 |
| Return on assets (ROA) | 0.7790% | 3,801 |
| Pretax return on assets | 0.7790% | 4,567 |
| Return on Equity (ROE) | 6.3383% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.8001% | 4,218 |
| Net charge-offs to loans | 0.3896% | 2,536 |
| Credit loss provision to net charge-offs | 15.9722% | 5,009 |
| Earnings coverage of net charge-offs (x) | -0.6528% | 5,531 |
| Efficiency ratio | 102.7270% | 454 |
| Assets per employee ($millions) | 4.2435% | 3,378 |
| Cash dividends to net income (ytd only)* | 40.0463% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1838% | 1,736 |
| Loan loss allowance to noncurrent loans | 19.6137% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 5.4308% | 792 |
| Noncurrent loans to loans | 11.1339% | 197 |
| Net loans and leases to total assets | 31.8478% | 6,752 |
| Net loans and leases to deposits | 36.7235% | 6,796 |
| Net loans and leases to core deposits | 41.3651% | 6,690 |
| Total domestic deposits to total assets | 86.7232% | 2,839 |
| Equity capital to assets | 13.0412% | 1,580 |
| Core capital (leverage) ratio | 11.3509% | 2,091 |
| Tier 1 risk-based capital ratio | 27.0614% | 741 |
| Total risk-based capital ratio | 28.3161% | 719 |
| Memoranda: | ||
| Average total assets | $149,594,000 | 3,827 |
| Average earning assets | $135,528,000 | 3,844 |
| Average equity | $18,385,000 | 3,454 |
| Average total loans | $49,281,500 | 5,195 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2122% | 6,865 |
| Cost of funding earning assets | 0.3342% | 6,580 |
| Net interest margin | 2.8781% | 6,454 |
| Noninterest income to average assets | 0.4855% | 4,020 |
| Noninterest expense to average assets | 3.1637% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0707% | 6,403 |
| Return on assets (ROA) | 0.8709% | 3,298 |
| Pretax return on assets | 0.8709% | 4,196 |
| Return on Equity (ROE) | 7.2327% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.4636% | 3,630 |
| Net charge-offs to loans | 0.1371% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.5588% | 5,355 |
| Efficiency ratio | 102.2855% | 486 |
| Assets per employee ($millions) | 4.1761% | 3,506 |
| Cash dividends to net income (ytd only)* | 38.2848% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3368% | 1,521 |
| Loan loss allowance to noncurrent loans | 21.6724% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 5.3865% | 843 |
| Noncurrent loans to loans | 10.7822% | 226 |
| Net loans and leases to total assets | 31.7755% | 6,815 |
| Net loans and leases to deposits | 36.2911% | 6,867 |
| Net loans and leases to core deposits | 41.0594% | 6,774 |
| Total domestic deposits to total assets | 87.5575% | 2,430 |
| Equity capital to assets | 12.1971% | 2,006 |
| Core capital (leverage) ratio | 11.0514% | 2,251 |
| Tier 1 risk-based capital ratio | 27.6663% | 673 |
| Total risk-based capital ratio | 28.9236% | 658 |
| Memoranda: | ||
| Average total assets | $149,951,330 | 3,834 |
| Average earning assets | $135,855,000 | 3,849 |
| Average equity | $18,057,000 | 3,489 |
| Average total loans | $49,589,670 | 5,213 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4155% | 6,791 |
| Cost of funding earning assets | 0.3483% | 6,644 |
| Net interest margin | 3.0671% | 6,134 |
| Noninterest income to average assets | 0.4487% | 4,299 |
| Noninterest expense to average assets | 3.1731% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0507% | 6,328 |
| Return on assets (ROA) | 1.2741% | 1,696 |
| Pretax return on assets | 1.2741% | 2,631 |
| Return on Equity (ROE) | 10.6491% | 2,164 |
| Retained earnings to average equity (ytd only) | 7.3003% | 2,279 |
| Net charge-offs to loans | 0.4166% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3654% | 4,175 |
| Efficiency ratio | 98.4258% | 615 |
| Assets per employee ($millions) | 4.4767% | 3,039 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2468% | 1,784 |
| Loan loss allowance to noncurrent loans | 134.2482% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 2.4453% | 2,414 |
| Noncurrent loans to loans | 1.6736% | 3,592 |
| Net loans and leases to total assets | 32.1573% | 6,825 |
| Net loans and leases to deposits | 36.5269% | 6,871 |
| Net loans and leases to core deposits | 41.3270% | 6,776 |
| Total domestic deposits to total assets | 88.0374% | 2,296 |
| Equity capital to assets | 11.7497% | 2,219 |
| Core capital (leverage) ratio | 11.2544% | 2,074 |
| Tier 1 risk-based capital ratio | 27.5606% | 680 |
| Total risk-based capital ratio | 28.8187% | 661 |
| Memoranda: | ||
| Average total assets | $149,757,500 | 3,875 |
| Average earning assets | $135,501,000 | 3,895 |
| Average equity | $17,917,000 | 3,516 |
| Average total loans | $49,927,500 | 5,230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 6,670 |
| Cost of funding earning assets | 0.4306% | 6,797 |
| Net interest margin | 3.4243% | 5,408 |
| Noninterest income to average assets | 0.4504% | 4,210 |
| Noninterest expense to average assets | 3.2835% | 2,577 |
| Loan and lease loss provision to assets | 0.1088% | 5,235 |
| Net operating income to assets | 0.1522% | 5,726 |
| Return on assets (ROA) | 0.1460% | 5,887 |
| Pretax return on assets | 0.1460% | 5,893 |
| Return on Equity (ROE) | 1.3184% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.3184% | 5,236 |
| Net charge-offs to loans | 0.2064% | 4,510 |
| Credit loss provision to net charge-offs | 147.6636% | 1,931 |
| Earnings coverage of net charge-offs (x) | 3.5421% | 3,478 |
| Efficiency ratio | 92.6365% | 1,010 |
| Assets per employee ($millions) | 3.8765% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3642% | 1,513 |
| Loan loss allowance to noncurrent loans | 87.1852% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 2.7806% | 2,182 |
| Noncurrent loans to loans | 2.7117% | 2,393 |
| Net loans and leases to total assets | 32.9971% | 6,913 |
| Net loans and leases to deposits | 37.6644% | 6,956 |
| Net loans and leases to core deposits | 42.8022% | 6,860 |
| Total domestic deposits to total assets | 87.6082% | 2,399 |
| Equity capital to assets | 12.1854% | 1,980 |
| Core capital (leverage) ratio | 11.2616% | 2,074 |
| Tier 1 risk-based capital ratio | 27.2401% | 693 |
| Total risk-based capital ratio | 28.4986% | 667 |
| Memoranda: | ||
| Average total assets | $145,209,400 | 3,885 |
| Average earning assets | $131,210,800 | 3,907 |
| Average equity | $16,080,000 | 3,715 |
| Average total loans | $51,845,800 | 5,197 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 6,724 |
| Cost of funding earning assets | 0.4489% | 6,885 |
| Net interest margin | 3.4545% | 5,375 |
| Noninterest income to average assets | 0.4221% | 4,501 |
| Noninterest expense to average assets | 3.0981% | 3,168 |
| Loan and lease loss provision to assets | 0.1456% | 4,623 |
| Net operating income to assets | 0.2986% | 5,398 |
| Return on assets (ROA) | 0.2783% | 5,638 |
| Pretax return on assets | 0.2783% | 5,752 |
| Return on Equity (ROE) | 2.5791% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.5791% | 4,820 |
| Net charge-offs to loans | 0.1782% | 4,379 |
| Credit loss provision to net charge-offs | 225.7143% | 1,268 |
| Earnings coverage of net charge-offs (x) | 6.8858% | 2,459 |
| Efficiency ratio | 87.4610% | 1,393 |
| Assets per employee ($millions) | 3.6766% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4135% | 1,517 |
| Loan loss allowance to noncurrent loans | 51.3971% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 3.8684% | 1,595 |
| Noncurrent loans to loans | 4.6957% | 1,374 |
| Net loans and leases to total assets | 33.3778% | 6,982 |
| Net loans and leases to deposits | 38.0812% | 7,033 |
| Net loans and leases to core deposits | 43.5153% | 6,936 |
| Total domestic deposits to total assets | 87.6490% | 2,265 |
| Equity capital to assets | 12.0532% | 2,209 |
| Core capital (leverage) ratio | 11.3012% | 2,161 |
| Tier 1 risk-based capital ratio | 27.2296% | 720 |
| Total risk-based capital ratio | 28.4890% | 703 |
| Memoranda: | ||
| Average total assets | $144,685,000 | 3,913 |
| Average earning assets | $130,687,750 | 3,942 |
| Average equity | $15,612,500 | 3,801 |
| Average total loans | $52,361,250 | 5,219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 6,773 |
| Cost of funding earning assets | 0.4647% | 6,970 |
| Net interest margin | 3.4604% | 5,321 |
| Noninterest income to average assets | 0.4239% | 4,476 |
| Noninterest expense to average assets | 3.0648% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5059% | 4,477 |
| Return on assets (ROA) | 0.5059% | 4,616 |
| Pretax return on assets | 0.5059% | 5,053 |
| Return on Equity (ROE) | 4.8833% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.8833% | 3,071 |
| Net charge-offs to loans | 0.0829% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 16.5455% | 1,334 |
| Efficiency ratio | 85.8311% | 1,618 |
| Assets per employee ($millions) | 3.7840% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 2,023 |
| Loan loss allowance to noncurrent loans | 56.5284% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.8200% | 2,379 |
| Noncurrent loans to loans | 3.7907% | 1,844 |
| Net loans and leases to total assets | 35.0622% | 7,015 |
| Net loans and leases to deposits | 39.5018% | 7,080 |
| Net loans and leases to core deposits | 45.0852% | 6,973 |
| Total domestic deposits to total assets | 88.7609% | 1,691 |
| Equity capital to assets | 10.8315% | 3,151 |
| Core capital (leverage) ratio | 11.3380% | 2,020 |
| Tier 1 risk-based capital ratio | 26.2543% | 792 |
| Total risk-based capital ratio | 27.5102% | 772 |
| Memoranda: | ||
| Average total assets | $143,891,670 | 3,957 |
| Average earning assets | $130,851,000 | 3,964 |
| Average equity | $14,908,000 | 3,923 |
| Average total loans | $53,048,000 | 5,247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 6,827 |
| Cost of funding earning assets | 0.4868% | 7,017 |
| Net interest margin | 3.4110% | 5,386 |
| Noninterest income to average assets | 0.4002% | 4,697 |
| Noninterest expense to average assets | 2.9290% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5864% | 4,109 |
| Return on assets (ROA) | 0.5725% | 4,242 |
| Pretax return on assets | 0.5725% | 4,790 |
| Return on Equity (ROE) | 5.6537% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.6537% | 2,823 |
| Net charge-offs to loans | 0.1635% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.5909% | 1,707 |
| Efficiency ratio | 83.3202% | 2,041 |
| Assets per employee ($millions) | 3.6853% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0762% | 2,231 |
| Loan loss allowance to noncurrent loans | 43.9665% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 3.2096% | 2,143 |
| Noncurrent loans to loans | 4.7223% | 1,463 |
| Net loans and leases to total assets | 36.2282% | 6,991 |
| Net loans and leases to deposits | 40.4423% | 7,078 |
| Net loans and leases to core deposits | 45.9839% | 6,974 |
| Total domestic deposits to total assets | 89.5801% | 1,440 |
| Equity capital to assets | 10.0866% | 3,665 |
| Core capital (leverage) ratio | 11.3815% | 1,918 |
| Tier 1 risk-based capital ratio | 24.8030% | 898 |
| Total risk-based capital ratio | 26.0586% | 877 |
| Memoranda: | ||
| Average total assets | $143,941,000 | 3,995 |
| Average earning assets | $131,457,500 | 3,987 |
| Average equity | $14,574,500 | 3,980 |
| Average total loans | $53,811,500 | 5,262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 7,089 |
| Cost of funding earning assets | 0.5934% | 7,142 |
| Net interest margin | 3.4621% | 5,390 |
| Noninterest income to average assets | 0.5071% | 4,115 |
| Noninterest expense to average assets | 3.3954% | 2,448 |
| Loan and lease loss provision to assets | 0.2311% | 4,970 |
| Net operating income to assets | 0.0476% | 5,702 |
| Return on assets (ROA) | 0.2556% | 5,245 |
| Pretax return on assets | 0.2556% | 5,348 |
| Return on Equity (ROE) | 2.2330% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.2330% | 4,320 |
| Net charge-offs to loans | 0.3804% | 4,139 |
| Credit loss provision to net charge-offs | 146.6667% | 2,505 |
| Earnings coverage of net charge-offs (x) | 1.7689% | 4,390 |
| Efficiency ratio | 92.4133% | 1,155 |
| Assets per employee ($millions) | 3.6963% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 2,137 |
| Loan loss allowance to noncurrent loans | 44.7358% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 3.1986% | 2,213 |
| Noncurrent loans to loans | 4.6226% | 1,514 |
| Net loans and leases to total assets | 36.9902% | 7,114 |
| Net loans and leases to deposits | 41.3730% | 7,211 |
| Net loans and leases to core deposits | 47.4105% | 7,099 |
| Total domestic deposits to total assets | 89.4067% | 1,436 |
| Equity capital to assets | 10.1639% | 3,540 |
| Core capital (leverage) ratio | 11.0851% | 2,098 |
| Tier 1 risk-based capital ratio | 23.7717% | 952 |
| Total risk-based capital ratio | 25.0273% | 937 |
| Memoranda: | ||
| Average total assets | $142,782,400 | 4,011 |
| Average earning assets | $130,612,800 | 4,003 |
| Average equity | $16,345,400 | 3,698 |
| Average total loans | $59,146,400 | 5,108 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 7,259 |
| Cost of funding earning assets | 0.6186% | 7,252 |
| Net interest margin | 3.4261% | 5,585 |
| Noninterest income to average assets | 0.4933% | 4,239 |
| Noninterest expense to average assets | 3.2621% | 2,697 |
| Loan and lease loss provision to assets | 0.3089% | 4,110 |
| Net operating income to assets | 0.0590% | 5,866 |
| Return on assets (ROA) | 0.2696% | 5,443 |
| Pretax return on assets | 0.2696% | 5,570 |
| Return on Equity (ROE) | 2.2899% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.2899% | 4,795 |
| Net charge-offs to loans | 0.4509% | 3,495 |
| Credit loss provision to net charge-offs | 161.7647% | 2,331 |
| Earnings coverage of net charge-offs (x) | 1.9265% | 4,263 |
| Efficiency ratio | 89.8659% | 1,305 |
| Assets per employee ($millions) | 3.7122% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 2,205 |
| Loan loss allowance to noncurrent loans | 41.6183% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 3.3479% | 2,126 |
| Noncurrent loans to loans | 4.8169% | 1,462 |
| Net loans and leases to total assets | 38.7271% | 7,150 |
| Net loans and leases to deposits | 44.0752% | 7,237 |
| Net loans and leases to core deposits | 50.0308% | 7,123 |
| Total domestic deposits to total assets | 87.8662% | 2,038 |
| Equity capital to assets | 11.7650% | 2,312 |
| Core capital (leverage) ratio | 10.9412% | 2,303 |
| Tier 1 risk-based capital ratio | 23.1478% | 1,046 |
| Total risk-based capital ratio | 24.4023% | 1,017 |
| Memoranda: | ||
| Average total assets | $142,438,750 | 4,068 |
| Average earning assets | $130,407,500 | 4,057 |
| Average equity | $16,768,750 | 3,687 |
| Average total loans | $60,320,500 | 5,133 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1057% | 7,279 |
| Cost of funding earning assets | 0.6322% | 7,336 |
| Net interest margin | 3.4735% | 5,352 |
| Noninterest income to average assets | 0.4828% | 4,256 |
| Noninterest expense to average assets | 3.0383% | 3,559 |
| Loan and lease loss provision to assets | 0.4659% | 2,988 |
| Net operating income to assets | 0.1666% | 5,672 |
| Return on assets (ROA) | 0.4405% | 4,739 |
| Pretax return on assets | 0.4405% | 5,093 |
| Return on Equity (ROE) | 3.7409% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.7409% | 3,719 |
| Net charge-offs to loans | 0.6128% | 2,697 |
| Credit loss provision to net charge-offs | 175.5319% | 2,230 |
| Earnings coverage of net charge-offs (x) | 2.3830% | 3,802 |
| Efficiency ratio | 82.7692% | 2,070 |
| Assets per employee ($millions) | 3.8941% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 2,243 |
| Loan loss allowance to noncurrent loans | 47.5665% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 3.2012% | 2,214 |
| Noncurrent loans to loans | 4.1498% | 1,800 |
| Net loans and leases to total assets | 39.0300% | 7,218 |
| Net loans and leases to deposits | 44.1549% | 7,320 |
| Net loans and leases to core deposits | 51.0397% | 7,169 |
| Total domestic deposits to total assets | 88.3934% | 1,785 |
| Equity capital to assets | 11.3498% | 2,555 |
| Core capital (leverage) ratio | 10.9827% | 2,256 |
| Tier 1 risk-based capital ratio | 23.2812% | 1,030 |
| Total risk-based capital ratio | 24.5366% | 1,005 |
| Memoranda: | ||
| Average total assets | $141,659,330 | 4,105 |
| Average earning assets | $130,013,670 | 4,087 |
| Average equity | $16,680,670 | 3,689 |
| Average total loans | $61,355,670 | 5,118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 7,185 |
| Cost of funding earning assets | 0.6491% | 7,440 |
| Net interest margin | 3.6159% | 4,650 |
| Noninterest income to average assets | 0.5227% | 3,868 |
| Noninterest expense to average assets | 3.1567% | 3,023 |
| Loan and lease loss provision to assets | 0.4563% | 2,687 |
| Net operating income to assets | 0.2079% | 5,655 |
| Return on assets (ROA) | 0.2137% | 5,757 |
| Pretax return on assets | 0.2137% | 5,837 |
| Return on Equity (ROE) | 1.7806% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.7806% | 5,046 |
| Net charge-offs to loans | 0.0895% | 4,518 |
| Credit loss provision to net charge-offs | 1,128.5714% | 424 |
| Earnings coverage of net charge-offs (x) | 16.4286% | 1,329 |
| Efficiency ratio | 82.6153% | 2,191 |
| Assets per employee ($millions) | 3.6741% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 2,487 |
| Loan loss allowance to noncurrent loans | 89.7535% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 3.0288% | 2,363 |
| Noncurrent loans to loans | 2.1019% | 3,656 |
| Net loans and leases to total assets | 42.2846% | 7,108 |
| Net loans and leases to deposits | 48.4201% | 7,212 |
| Net loans and leases to core deposits | 55.3419% | 7,025 |
| Total domestic deposits to total assets | 87.3286% | 2,447 |
| Equity capital to assets | 11.6965% | 2,232 |
| Core capital (leverage) ratio | 11.2489% | 2,056 |
| Tier 1 risk-based capital ratio | 21.7775% | 1,227 |
| Total risk-based capital ratio | 23.0314% | 1,218 |
| Memoranda: | ||
| Average total assets | $138,501,000 | 4,220 |
| Average earning assets | $126,331,500 | 4,234 |
| Average equity | $16,623,500 | 3,732 |
| Average total loans | $62,574,500 | 5,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 7,475 |
| Cost of funding earning assets | 0.8885% | 7,425 |
| Net interest margin | 3.5149% | 4,889 |
| Noninterest income to average assets | 0.5575% | 3,963 |
| Noninterest expense to average assets | 3.4065% | 2,660 |
| Loan and lease loss provision to assets | 2.1032% | 1,004 |
| Net operating income to assets | -1.7070% | 6,963 |
| Return on assets (ROA) | -1.6987% | 6,964 |
| Pretax return on assets | -1.6987% | 6,817 |
| Return on Equity (ROE) | -12.7506% | 6,814 |
| Retained earnings to average equity (ytd only) | -15.0124% | 6,888 |
| Net charge-offs to loans | 3.6580% | 510 |
| Credit loss provision to net charge-offs | 107.1374% | 5,174 |
| Earnings coverage of net charge-offs (x) | 0.2018% | 5,939 |
| Efficiency ratio | 89.5800% | 1,742 |
| Assets per employee ($millions) | 3.2612% | 5,587 |
| Cash dividends to net income (ytd only)* | -17.7384% | 7,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,237 |
| Loan loss allowance to noncurrent loans | 41.6225% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 3.4941% | 1,926 |
| Noncurrent loans to loans | 3.8695% | 1,923 |
| Net loans and leases to total assets | 46.6476% | 6,927 |
| Net loans and leases to deposits | 53.3961% | 7,090 |
| Net loans and leases to core deposits | 60.6741% | 7,239 |
| Total domestic deposits to total assets | 87.3615% | 2,287 |
| Equity capital to assets | 12.3303% | 1,833 |
| Core capital (leverage) ratio | 11.7857% | 1,762 |
| Tier 1 risk-based capital ratio | 22.1165% | 1,138 |
| Total risk-based capital ratio | 23.3692% | 1,113 |
| Memoranda: | ||
| Average total assets | $132,747,200 | 4,282 |
| Average earning assets | $122,565,600 | 4,256 |
| Average equity | $17,685,400 | 3,556 |
| Average total loans | $71,240,400 | 4,825 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 7,567 |
| Cost of funding earning assets | 0.9327% | 7,511 |
| Net interest margin | 3.5134% | 4,810 |
| Noninterest income to average assets | 0.5574% | 4,027 |
| Noninterest expense to average assets | 3.4805% | 2,329 |
| Loan and lease loss provision to assets | 2.7540% | 569 |
| Net operating income to assets | -2.4250% | 7,452 |
| Return on assets (ROA) | -2.4139% | 7,440 |
| Pretax return on assets | -2.4139% | 7,318 |
| Return on Equity (ROE) | -17.7848% | 7,302 |
| Retained earnings to average equity (ytd only) | -20.7501% | 7,368 |
| Net charge-offs to loans | 4.6937% | 260 |
| Credit loss provision to net charge-offs | 106.2088% | 4,793 |
| Earnings coverage of net charge-offs (x) | 0.1269% | 5,907 |
| Efficiency ratio | 91.3629% | 1,587 |
| Assets per employee ($millions) | 3.1341% | 5,822 |
| Cash dividends to net income (ytd only)* | -16.6736% | 7,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 3,725 |
| Loan loss allowance to noncurrent loans | 21.9115% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 3.4498% | 1,939 |
| Noncurrent loans to loans | 6.5811% | 865 |
| Net loans and leases to total assets | 51.6637% | 6,635 |
| Net loans and leases to deposits | 59.4037% | 6,873 |
| Net loans and leases to core deposits | 66.4549% | 7,140 |
| Total domestic deposits to total assets | 86.9705% | 2,197 |
| Equity capital to assets | 12.6307% | 1,867 |
| Core capital (leverage) ratio | 11.5654% | 2,036 |
| Tier 1 risk-based capital ratio | 21.5708% | 1,277 |
| Total risk-based capital ratio | 22.8218% | 1,258 |
| Memoranda: | ||
| Average total assets | $132,506,250 | 4,307 |
| Average earning assets | $122,649,750 | 4,286 |
| Average equity | $17,985,000 | 3,544 |
| Average total loans | $73,202,000 | 4,804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 7,589 |
| Cost of funding earning assets | 0.9614% | 7,607 |
| Net interest margin | 3.5815% | 4,442 |
| Noninterest income to average assets | 0.5331% | 4,158 |
| Noninterest expense to average assets | 3.5181% | 2,283 |
| Loan and lease loss provision to assets | 2.9022% | 524 |
| Net operating income to assets | -2.5769% | 7,581 |
| Return on assets (ROA) | -2.5603% | 7,567 |
| Pretax return on assets | -2.5603% | 7,435 |
| Return on Equity (ROE) | -18.4402% | 7,464 |
| Retained earnings to average equity (ytd only) | -22.7790% | 7,540 |
| Net charge-offs to loans | 4.6379% | 274 |
| Credit loss provision to net charge-offs | 111.3873% | 4,157 |
| Earnings coverage of net charge-offs (x) | 0.1249% | 5,541 |
| Efficiency ratio | 91.5361% | 1,677 |
| Assets per employee ($millions) | 3.4169% | 5,028 |
| Cash dividends to net income (ytd only)* | -23.5294% | 7,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 3,639 |
| Loan loss allowance to noncurrent loans | 17.2287% | 7,267 |
| Noncurrent assets plus other real estate owned to assets | 4.3827% | 1,303 |
| Noncurrent loans to loans | 8.2217% | 524 |
| Net loans and leases to total assets | 52.5509% | 6,618 |
| Net loans and leases to deposits | 60.3680% | 6,857 |
| Net loans and leases to core deposits | 67.7055% | 7,134 |
| Total domestic deposits to total assets | 87.0510% | 2,231 |
| Equity capital to assets | 12.4544% | 1,945 |
| Core capital (leverage) ratio | 11.9387% | 1,861 |
| Tier 1 risk-based capital ratio | 21.0748% | 1,379 |
| Total risk-based capital ratio | 22.3259% | 1,351 |
| Memoranda: | ||
| Average total assets | $132,797,670 | 4,331 |
| Average earning assets | $122,742,670 | 4,299 |
| Average equity | $18,438,000 | 3,480 |
| Average total loans | $74,602,330 | 4,787 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 7,142 |
| Cost of funding earning assets | 0.9838% | 7,695 |
| Net interest margin | 3.9287% | 2,934 |
| Noninterest income to average assets | 0.4768% | 4,538 |
| Noninterest expense to average assets | 3.4510% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6266% | 3,903 |
| Return on assets (ROA) | 0.6297% | 4,068 |
| Pretax return on assets | 0.6297% | 4,660 |
| Return on Equity (ROE) | 4.3038% | 4,791 |
| Retained earnings to average equity (ytd only) | 0.1254% | 5,611 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6327% | 2,235 |
| Assets per employee ($millions) | 3.3892% | 5,098 |
| Cash dividends to net income (ytd only)* | 97.0874% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,516 |
| Loan loss allowance to noncurrent loans | 27.4400% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 2.3022% | 2,498 |
| Noncurrent loans to loans | 3.9883% | 1,513 |
| Net loans and leases to total assets | 57.0918% | 6,083 |
| Net loans and leases to deposits | 67.0195% | 6,271 |
| Net loans and leases to core deposits | 75.7983% | 6,689 |
| Total domestic deposits to total assets | 85.1869% | 3,111 |
| Equity capital to assets | 14.3948% | 1,257 |
| Core capital (leverage) ratio | 14.1349% | 1,160 |
| Tier 1 risk-based capital ratio | 23.4419% | 1,146 |
| Total risk-based capital ratio | 24.5042% | 1,138 |
| Memoranda: | ||
| Average total assets | $130,859,000 | 4,393 |
| Average earning assets | $119,938,000 | 4,387 |
| Average equity | $19,146,000 | 3,397 |
| Average total loans | $75,475,500 | 4,784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 7,796 |
| Cost of funding earning assets | 1.3154% | 7,833 |
| Net interest margin | 3.7470% | 4,241 |
| Noninterest income to average assets | 0.4181% | 5,316 |
| Noninterest expense to average assets | 3.2286% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6465% | 4,120 |
| Return on assets (ROA) | 0.6487% | 3,963 |
| Pretax return on assets | 0.6487% | 4,548 |
| Return on Equity (ROE) | 4.6140% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.7138% | 4,190 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3174% | 2,138 |
| Assets per employee ($millions) | 3.4089% | 4,922 |
| Cash dividends to net income (ytd only)* | 62.8571% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,143 |
| Loan loss allowance to noncurrent loans | 30.6985% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 2.0998% | 2,338 |
| Noncurrent loans to loans | 3.6436% | 1,387 |
| Net loans and leases to total assets | 56.9848% | 6,335 |
| Net loans and leases to deposits | 67.2366% | 6,532 |
| Net loans and leases to core deposits | 74.4949% | 6,938 |
| Total domestic deposits to total assets | 84.7527% | 2,951 |
| Equity capital to assets | 14.8721% | 1,191 |
| Core capital (leverage) ratio | 14.3026% | 1,188 |
| Tier 1 risk-based capital ratio | 24.0304% | 1,083 |
| Total risk-based capital ratio | 25.1197% | 1,079 |
| Memoranda: | ||
| Average total assets | $134,889,600 | 4,188 |
| Average earning assets | $124,447,000 | 4,166 |
| Average equity | $18,964,000 | 3,403 |
| Average total loans | $74,604,800 | 4,709 |