Home > Belmont Savings Bank, SSB > Performance and Condition Ratios
Belmont Savings Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 3,258 |
| Cost of funding earning assets | 1.8376% | 1,189 |
| Net interest margin | 2.5735% | 4,006 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.6056% | 1,984 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.1075% | 4,433 |
| Return on assets (ROA) | -0.1075% | 4,415 |
| Pretax return on assets | -0.1436% | 4,417 |
| Return on Equity (ROE) | -0.6700% | 4,376 |
| Retained earnings to average equity (ytd only) | -0.6665% | 4,158 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 104.8426% | 145 |
| Assets per employee ($millions) | 9.2373% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3541% | 4,408 |
| Loan loss allowance to noncurrent loans | 91.5601% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,640 |
| Noncurrent loans to loans | 0.3867% | 1,823 |
| Net loans and leases to total assets | 83.9000% | 276 |
| Net loans and leases to deposits | 110.8450% | 185 |
| Net loans and leases to core deposits | 170.1980% | 119 |
| Total domestic deposits to total assets | 75.6900% | 3,973 |
| Equity capital to assets | 15.7005% | 489 |
| Core capital (leverage) ratio | 16.5745% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $116,325,800 | 3,691 |
| Average earning assets | $109,111,400 | 3,656 |
| Average equity | $18,753,600 | 2,960 |
| Average total loans | $94,967,600 | 3,230 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 3,309 |
| Cost of funding earning assets | 1.6185% | 1,335 |
| Net interest margin | 2.6732% | 3,915 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.6057% | 1,923 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.0439% | 4,454 |
| Return on assets (ROA) | -0.0439% | 4,438 |
| Pretax return on assets | -0.0555% | 4,429 |
| Return on Equity (ROE) | -0.2700% | 4,396 |
| Retained earnings to average equity (ytd only) | -0.2705% | 4,178 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.9400% | 167 |
| Assets per employee ($millions) | 10.0720% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3688% | 4,422 |
| Loan loss allowance to noncurrent loans | 17,900.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,867 |
| Noncurrent loans to loans | 0.0021% | 3,809 |
| Net loans and leases to total assets | 80.0200% | 644 |
| Net loans and leases to deposits | 105.0349% | 319 |
| Net loans and leases to core deposits | 158.0656% | 114 |
| Total domestic deposits to total assets | 76.1800% | 3,995 |
| Equity capital to assets | 15.2543% | 508 |
| Core capital (leverage) ratio | 17.1489% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $115,386,000 | 3,704 |
| Average earning assets | $108,081,750 | 3,673 |
| Average equity | $18,728,500 | 2,953 |
| Average total loans | $93,433,250 | 3,253 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 3,206 |
| Cost of funding earning assets | 1.3849% | 1,489 |
| Net interest margin | 2.8585% | 3,716 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.6523% | 1,782 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.0652% | 4,383 |
| Return on assets (ROA) | 0.0652% | 4,418 |
| Pretax return on assets | 0.0458% | 4,424 |
| Return on Equity (ROE) | 0.3900% | 4,412 |
| Retained earnings to average equity (ytd only) | 0.3931% | 4,005 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.3497% | 207 |
| Assets per employee ($millions) | 9.5492% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3680% | 4,452 |
| Loan loss allowance to noncurrent loans | 11,533.3333% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 3,868 |
| Noncurrent loans to loans | 0.0032% | 3,806 |
| Net loans and leases to total assets | 81.7500% | 451 |
| Net loans and leases to deposits | 109.7404% | 209 |
| Net loans and leases to core deposits | 155.3917% | 118 |
| Total domestic deposits to total assets | 74.5000% | 4,160 |
| Equity capital to assets | 16.4534% | 409 |
| Core capital (leverage) ratio | 17.5586% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $113,560,000 | 3,734 |
| Average earning assets | $105,999,667 | 3,710 |
| Average equity | $18,825,667 | 2,963 |
| Average total loans | $92,220,333 | 3,267 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,121 |
| Cost of funding earning assets | 1.0721% | 1,829 |
| Net interest margin | 3.0870% | 3,378 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.6078% | 1,931 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.2442% | 4,315 |
| Return on assets (ROA) | 0.2442% | 4,279 |
| Pretax return on assets | 0.2725% | 4,283 |
| Return on Equity (ROE) | 1.4700% | 4,345 |
| Retained earnings to average equity (ytd only) | 1.4672% | 3,788 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.9023% | 395 |
| Assets per employee ($millions) | 9.7018% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3709% | 4,512 |
| Loan loss allowance to noncurrent loans | 617.8571% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,306 |
| Noncurrent loans to loans | 0.0600% | 3,307 |
| Net loans and leases to total assets | 79.8300% | 553 |
| Net loans and leases to deposits | 100.8245% | 411 |
| Net loans and leases to core deposits | 137.1350% | 205 |
| Total domestic deposits to total assets | 79.1700% | 3,881 |
| Equity capital to assets | 16.2641% | 381 |
| Core capital (leverage) ratio | 18.0408% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $113,045,000 | 3,791 |
| Average earning assets | $105,216,000 | 3,772 |
| Average equity | $18,811,500 | 2,993 |
| Average total loans | $91,317,000 | 3,313 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 2,700 |
| Cost of funding earning assets | 0.3488% | 2,483 |
| Net interest margin | 3.2839% | 2,608 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.5503% | 1,968 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4387% | 4,195 |
| Return on assets (ROA) | 0.4387% | 4,156 |
| Pretax return on assets | 0.5359% | 4,119 |
| Return on Equity (ROE) | 2.5800% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.5816% | 3,825 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.3193% | 633 |
| Assets per employee ($millions) | 9.9698% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3704% | 4,517 |
| Loan loss allowance to noncurrent loans | 105.0794% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 1,709 |
| Noncurrent loans to loans | 0.3525% | 1,881 |
| Net loans and leases to total assets | 81.1700% | 486 |
| Net loans and leases to deposits | 98.1835% | 514 |
| Net loans and leases to core deposits | 126.4158% | 274 |
| Total domestic deposits to total assets | 82.6800% | 3,492 |
| Equity capital to assets | 17.0405% | 332 |
| Core capital (leverage) ratio | 18.2874% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $112,143,000 | 3,806 |
| Average earning assets | $105,209,800 | 3,788 |
| Average equity | $19,058,000 | 3,031 |
| Average total loans | $82,531,400 | 3,379 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 2,621 |
| Cost of funding earning assets | 0.3184% | 1,979 |
| Net interest margin | 3.1805% | 2,683 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 2.5347% | 1,909 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.3786% | 4,273 |
| Return on assets (ROA) | 0.3786% | 4,218 |
| Pretax return on assets | 0.4553% | 4,202 |
| Return on Equity (ROE) | 2.2000% | 4,386 |
| Retained earnings to average equity (ytd only) | 2.2029% | 3,977 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.4563% | 579 |
| Assets per employee ($millions) | 10.4182% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3628% | 4,558 |
| Loan loss allowance to noncurrent loans | 594.3396% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,441 |
| Noncurrent loans to loans | 0.0610% | 3,442 |
| Net loans and leases to total assets | 75.5000% | 961 |
| Net loans and leases to deposits | 91.2082% | 812 |
| Net loans and leases to core deposits | 117.1007% | 312 |
| Total domestic deposits to total assets | 82.7800% | 3,722 |
| Equity capital to assets | 16.9476% | 326 |
| Core capital (leverage) ratio | 17.4838% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $113,039,500 | 3,819 |
| Average earning assets | $105,934,750 | 3,795 |
| Average equity | $19,428,500 | 3,049 |
| Average total loans | $80,826,000 | 3,415 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 2,522 |
| Cost of funding earning assets | 0.3233% | 1,500 |
| Net interest margin | 3.0444% | 2,741 |
| Noninterest income to average assets | 0.0533% | 4,622 |
| Noninterest expense to average assets | 2.4138% | 2,186 |
| Loan and lease loss provision to assets | 0.0462% | 1,738 |
| Net operating income to assets | 0.3768% | 4,154 |
| Return on assets (ROA) | 0.3768% | 4,110 |
| Pretax return on assets | 0.4550% | 4,073 |
| Return on Equity (ROE) | 2.1821% | 4,332 |
| Retained earnings to average equity (ytd only) | 2.1821% | 3,700 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8049% | 749 |
| Assets per employee ($millions) | 10.4059% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3642% | 4,632 |
| Loan loss allowance to noncurrent loans | 267.8571% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,023 |
| Noncurrent loans to loans | 0.1360% | 3,026 |
| Net loans and leases to total assets | 71.7101% | 1,134 |
| Net loans and leases to deposits | 86.1872% | 958 |
| Net loans and leases to core deposits | 110.9560% | 335 |
| Total domestic deposits to total assets | 83.2027% | 3,839 |
| Equity capital to assets | 16.5457% | 303 |
| Core capital (leverage) ratio | 17.5281% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,519,333 | 3,870 |
| Average earning assets | $105,768,333 | 3,847 |
| Average equity | $19,430,667 | 3,112 |
| Average total loans | $78,822,667 | 3,467 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 2,506 |
| Cost of funding earning assets | 0.3315% | 1,364 |
| Net interest margin | 2.9263% | 2,747 |
| Noninterest income to average assets | 0.0574% | 4,641 |
| Noninterest expense to average assets | 2.3524% | 2,330 |
| Loan and lease loss provision to assets | 0.0323% | 1,787 |
| Net operating income to assets | 0.3514% | 4,053 |
| Return on assets (ROA) | 0.3514% | 4,017 |
| Pretax return on assets | 0.4267% | 3,991 |
| Return on Equity (ROE) | 1.9922% | 4,257 |
| Retained earnings to average equity (ytd only) | 1.9922% | 3,538 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6735% | 872 |
| Assets per employee ($millions) | 9.4265% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3640% | 4,662 |
| Loan loss allowance to noncurrent loans | 134.5972% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,511 |
| Noncurrent loans to loans | 0.2705% | 2,504 |
| Net loans and leases to total assets | 68.7150% | 1,135 |
| Net loans and leases to deposits | 83.2270% | 935 |
| Net loans and leases to core deposits | 108.5843% | 287 |
| Total domestic deposits to total assets | 82.5633% | 4,007 |
| Equity capital to assets | 17.1882% | 259 |
| Core capital (leverage) ratio | 17.7801% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,546,500 | 3,894 |
| Average earning assets | $104,979,500 | 3,872 |
| Average equity | $19,676,500 | 3,169 |
| Average total loans | $77,042,500 | 3,507 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 2,525 |
| Cost of funding earning assets | 0.4409% | 1,256 |
| Net interest margin | 3.1057% | 2,886 |
| Noninterest income to average assets | 0.0307% | 4,751 |
| Noninterest expense to average assets | 2.4971% | 2,189 |
| Loan and lease loss provision to assets | 0.0058% | 2,959 |
| Net operating income to assets | 0.3537% | 4,340 |
| Return on assets (ROA) | 0.3378% | 4,390 |
| Pretax return on assets | 0.4280% | 4,360 |
| Return on Equity (ROE) | 1.7961% | 4,524 |
| Retained earnings to average equity (ytd only) | 1.7961% | 4,043 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6179% | 540 |
| Assets per employee ($millions) | 9.1646% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3615% | 4,702 |
| Loan loss allowance to noncurrent loans | 88.9968% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 2,136 |
| Noncurrent loans to loans | 0.4062% | 2,141 |
| Net loans and leases to total assets | 68.9220% | 1,155 |
| Net loans and leases to deposits | 84.5609% | 878 |
| Net loans and leases to core deposits | 113.0202% | 241 |
| Total domestic deposits to total assets | 81.5058% | 4,040 |
| Equity capital to assets | 18.1041% | 255 |
| Core capital (leverage) ratio | 17.8968% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,200,000 | 3,952 |
| Average earning assets | $97,980,400 | 3,926 |
| Average equity | $19,597,600 | 3,249 |
| Average total loans | $73,465,800 | 3,593 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 2,610 |
| Cost of funding earning assets | 0.4651% | 1,247 |
| Net interest margin | 3.1152% | 3,016 |
| Noninterest income to average assets | 0.0298% | 4,834 |
| Noninterest expense to average assets | 2.4836% | 2,173 |
| Loan and lease loss provision to assets | 0.0039% | 2,893 |
| Net operating income to assets | 0.3786% | 4,405 |
| Return on assets (ROA) | 0.3568% | 4,468 |
| Pretax return on assets | 0.4438% | 4,433 |
| Return on Equity (ROE) | 1.8776% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.8776% | 4,222 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9474% | 523 |
| Assets per employee ($millions) | 9.0467% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3583% | 4,789 |
| Loan loss allowance to noncurrent loans | 237.7193% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,404 |
| Noncurrent loans to loans | 0.1507% | 3,365 |
| Net loans and leases to total assets | 69.4169% | 1,141 |
| Net loans and leases to deposits | 85.1024% | 881 |
| Net loans and leases to core deposits | 113.2945% | 267 |
| Total domestic deposits to total assets | 81.5687% | 3,999 |
| Equity capital to assets | 18.1688% | 264 |
| Core capital (leverage) ratio | 18.2302% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,751,500 | 4,022 |
| Average earning assets | $96,598,750 | 3,993 |
| Average equity | $19,528,000 | 3,296 |
| Average total loans | $72,814,250 | 3,654 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 2,345 |
| Cost of funding earning assets | 0.4950% | 1,230 |
| Net interest margin | 3.2009% | 2,757 |
| Noninterest income to average assets | 0.0238% | 4,881 |
| Noninterest expense to average assets | 2.4619% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4519% | 4,300 |
| Return on assets (ROA) | 0.4186% | 4,393 |
| Pretax return on assets | 0.5217% | 4,352 |
| Return on Equity (ROE) | 2.1683% | 4,578 |
| Retained earnings to average equity (ytd only) | 2.1683% | 4,076 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3770% | 707 |
| Assets per employee ($millions) | 9.7856% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3717% | 4,814 |
| Loan loss allowance to noncurrent loans | 448.3333% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,859 |
| Noncurrent loans to loans | 0.0829% | 3,775 |
| Net loans and leases to total assets | 66.9850% | 1,584 |
| Net loans and leases to deposits | 82.1951% | 1,203 |
| Net loans and leases to core deposits | 109.2816% | 381 |
| Total domestic deposits to total assets | 81.4951% | 4,015 |
| Equity capital to assets | 18.2076% | 257 |
| Core capital (leverage) ratio | 18.6730% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,815,333 | 4,058 |
| Average earning assets | $94,537,333 | 4,038 |
| Average equity | $19,462,667 | 3,292 |
| Average total loans | $71,875,667 | 3,691 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 1,893 |
| Cost of funding earning assets | 0.5460% | 1,125 |
| Net interest margin | 3.3290% | 2,303 |
| Noninterest income to average assets | 0.0246% | 4,899 |
| Noninterest expense to average assets | 2.5544% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4591% | 4,249 |
| Return on assets (ROA) | 0.3901% | 4,402 |
| Pretax return on assets | 0.4887% | 4,371 |
| Return on Equity (ROE) | 1.9593% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.9593% | 4,015 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6273% | 720 |
| Assets per employee ($millions) | 8.2631% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3775% | 4,840 |
| Loan loss allowance to noncurrent loans | 463.7931% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,963 |
| Noncurrent loans to loans | 0.0814% | 3,890 |
| Net loans and leases to total assets | 71.5855% | 1,083 |
| Net loans and leases to deposits | 89.3372% | 740 |
| Net loans and leases to core deposits | 123.6254% | 213 |
| Total domestic deposits to total assets | 80.1295% | 4,187 |
| Equity capital to assets | 19.5760% | 200 |
| Core capital (leverage) ratio | 20.0990% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,402,000 | 4,103 |
| Average earning assets | $90,838,000 | 4,086 |
| Average equity | $19,394,500 | 3,290 |
| Average total loans | $71,627,000 | 3,706 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 2,576 |
| Cost of funding earning assets | 0.9389% | 742 |
| Net interest margin | 3.1130% | 3,599 |
| Noninterest income to average assets | 0.0382% | 4,883 |
| Noninterest expense to average assets | 2.4730% | 2,935 |
| Loan and lease loss provision to assets | 0.0064% | 4,273 |
| Net operating income to assets | 0.3712% | 4,302 |
| Return on assets (ROA) | 0.3277% | 4,460 |
| Pretax return on assets | 0.4221% | 4,384 |
| Return on Equity (ROE) | 1.6151% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.6151% | 3,989 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6442% | 658 |
| Assets per employee ($millions) | 8.6952% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 4,868 |
| Loan loss allowance to noncurrent loans | 433.8710% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,018 |
| Noncurrent loans to loans | 0.0861% | 3,948 |
| Net loans and leases to total assets | 74.9987% | 905 |
| Net loans and leases to deposits | 94.5299% | 627 |
| Net loans and leases to core deposits | 132.2529% | 182 |
| Total domestic deposits to total assets | 79.3386% | 4,159 |
| Equity capital to assets | 20.2599% | 189 |
| Core capital (leverage) ratio | 20.1426% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,299,000 | 4,062 |
| Average earning assets | $88,403,400 | 4,049 |
| Average equity | $19,131,600 | 3,265 |
| Average total loans | $72,696,400 | 3,675 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 2,764 |
| Cost of funding earning assets | 0.9993% | 761 |
| Net interest margin | 3.0688% | 3,812 |
| Noninterest income to average assets | 0.0369% | 4,918 |
| Noninterest expense to average assets | 2.4264% | 3,062 |
| Loan and lease loss provision to assets | 0.0085% | 4,186 |
| Net operating income to assets | 0.3831% | 4,296 |
| Return on assets (ROA) | 0.3831% | 4,360 |
| Pretax return on assets | 0.4824% | 4,314 |
| Return on Equity (ROE) | 1.8875% | 4,567 |
| Retained earnings to average equity (ytd only) | 1.8875% | 3,968 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1712% | 663 |
| Assets per employee ($millions) | 8.6778% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3640% | 4,903 |
| Loan loss allowance to noncurrent loans | 194.9275% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 3,695 |
| Noncurrent loans to loans | 0.1867% | 3,644 |
| Net loans and leases to total assets | 77.1382% | 939 |
| Net loans and leases to deposits | 97.0515% | 686 |
| Net loans and leases to core deposits | 133.4390% | 200 |
| Total domestic deposits to total assets | 79.4816% | 3,962 |
| Equity capital to assets | 20.1538% | 207 |
| Core capital (leverage) ratio | 20.2245% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,963,500 | 4,071 |
| Average earning assets | $88,197,000 | 4,056 |
| Average equity | $19,072,500 | 3,270 |
| Average total loans | $72,869,750 | 3,689 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 3,051 |
| Cost of funding earning assets | 1.0541% | 829 |
| Net interest margin | 3.0483% | 4,017 |
| Noninterest income to average assets | 0.0321% | 4,952 |
| Noninterest expense to average assets | 2.4608% | 3,071 |
| Loan and lease loss provision to assets | 0.0086% | 4,090 |
| Net operating income to assets | 0.3338% | 4,357 |
| Return on assets (ROA) | 0.3338% | 4,414 |
| Pretax return on assets | 0.4215% | 4,385 |
| Return on Equity (ROE) | 1.6406% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.6406% | 3,893 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1221% | 578 |
| Assets per employee ($millions) | 8.5429% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3638% | 4,927 |
| Loan loss allowance to noncurrent loans | 188.0282% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 3,769 |
| Noncurrent loans to loans | 0.1935% | 3,685 |
| Net loans and leases to total assets | 77.8062% | 871 |
| Net loans and leases to deposits | 98.1357% | 646 |
| Net loans and leases to core deposits | 140.3621% | 164 |
| Total domestic deposits to total assets | 79.2843% | 3,977 |
| Equity capital to assets | 20.3582% | 200 |
| Core capital (leverage) ratio | 19.9779% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,466,000 | 4,076 |
| Average earning assets | $87,654,000 | 4,058 |
| Average equity | $19,017,333 | 3,266 |
| Average total loans | $72,525,667 | 3,706 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,443 |
| Cost of funding earning assets | 1.1029% | 1,037 |
| Net interest margin | 3.0249% | 4,240 |
| Noninterest income to average assets | 0.0386% | 4,992 |
| Noninterest expense to average assets | 2.4203% | 3,495 |
| Loan and lease loss provision to assets | 0.0043% | 3,687 |
| Net operating income to assets | 0.3562% | 4,231 |
| Return on assets (ROA) | 0.3562% | 4,264 |
| Pretax return on assets | 0.4506% | 4,206 |
| Return on Equity (ROE) | 1.7510% | 4,500 |
| Retained earnings to average equity (ytd only) | 1.7510% | 3,531 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1791% | 815 |
| Assets per employee ($millions) | 8.6379% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3632% | 4,966 |
| Loan loss allowance to noncurrent loans | 178.3784% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 3,876 |
| Noncurrent loans to loans | 0.2036% | 3,753 |
| Net loans and leases to total assets | 76.2243% | 1,263 |
| Net loans and leases to deposits | 95.6346% | 948 |
| Net loans and leases to core deposits | 136.4212% | 198 |
| Total domestic deposits to total assets | 79.7036% | 3,911 |
| Equity capital to assets | 19.9712% | 247 |
| Core capital (leverage) ratio | 20.3231% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,213,000 | 4,084 |
| Average earning assets | $87,407,000 | 4,063 |
| Average equity | $18,960,500 | 3,275 |
| Average total loans | $72,097,000 | 3,723 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 4,124 |
| Cost of funding earning assets | 1.0925% | 1,354 |
| Net interest margin | 2.9700% | 4,553 |
| Noninterest income to average assets | 0.0469% | 5,043 |
| Noninterest expense to average assets | 2.4599% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3099% | 4,734 |
| Return on assets (ROA) | 0.3099% | 4,764 |
| Pretax return on assets | 0.3907% | 4,727 |
| Return on Equity (ROE) | 1.5114% | 4,860 |
| Retained earnings to average equity (ytd only) | 1.5114% | 4,199 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2940% | 527 |
| Assets per employee ($millions) | 9.1409% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3678% | 5,006 |
| Loan loss allowance to noncurrent loans | 169.6774% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 3,804 |
| Noncurrent loans to loans | 0.2168% | 3,680 |
| Net loans and leases to total assets | 77.9365% | 1,090 |
| Net loans and leases to deposits | 98.7812% | 692 |
| Net loans and leases to core deposits | 138.7848% | 183 |
| Total domestic deposits to total assets | 78.8981% | 4,204 |
| Equity capital to assets | 20.7255% | 219 |
| Core capital (leverage) ratio | 20.3571% | 225 |
| Tier 1 risk-based capital ratio | 39.0786% | 252 |
| Total risk-based capital ratio | 39.7388% | 259 |
| Memoranda: | ||
| Average total assets | $91,629,400 | 4,117 |
| Average earning assets | $86,499,400 | 4,090 |
| Average equity | $18,790,000 | 3,248 |
| Average total loans | $69,523,400 | 3,785 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 4,238 |
| Cost of funding earning assets | 1.0666% | 1,483 |
| Net interest margin | 2.9920% | 4,633 |
| Noninterest income to average assets | 0.0407% | 5,132 |
| Noninterest expense to average assets | 2.4359% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3316% | 4,805 |
| Return on assets (ROA) | 0.3316% | 4,829 |
| Pretax return on assets | 0.4319% | 4,770 |
| Return on Equity (ROE) | 1.6213% | 4,947 |
| Retained earnings to average equity (ytd only) | 1.6213% | 4,391 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9391% | 554 |
| Assets per employee ($millions) | 8.3808% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3733% | 5,079 |
| Loan loss allowance to noncurrent loans | 104.7809% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 3,465 |
| Noncurrent loans to loans | 0.3563% | 3,264 |
| Net loans and leases to total assets | 76.1403% | 1,452 |
| Net loans and leases to deposits | 96.2444% | 988 |
| Net loans and leases to core deposits | 134.9813% | 241 |
| Total domestic deposits to total assets | 79.1114% | 4,166 |
| Equity capital to assets | 20.5122% | 238 |
| Core capital (leverage) ratio | 20.5081% | 230 |
| Tier 1 risk-based capital ratio | 39.3191% | 255 |
| Total risk-based capital ratio | 40.0096% | 262 |
| Memoranda: | ||
| Average total assets | $91,683,250 | 4,167 |
| Average earning assets | $86,628,750 | 4,138 |
| Average equity | $18,749,750 | 3,278 |
| Average total loans | $69,028,250 | 3,834 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 4,348 |
| Cost of funding earning assets | 1.0133% | 1,630 |
| Net interest margin | 3.0005% | 4,686 |
| Noninterest income to average assets | 0.0372% | 5,189 |
| Noninterest expense to average assets | 2.5067% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2797% | 4,904 |
| Return on assets (ROA) | 0.2797% | 4,913 |
| Pretax return on assets | 0.3650% | 4,872 |
| Return on Equity (ROE) | 1.3693% | 5,013 |
| Retained earnings to average equity (ytd only) | 1.3693% | 4,329 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2907% | 478 |
| Assets per employee ($millions) | 9.1536% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3798% | 5,122 |
| Loan loss allowance to noncurrent loans | 103.1373% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 3,446 |
| Noncurrent loans to loans | 0.3683% | 3,204 |
| Net loans and leases to total assets | 75.3540% | 1,658 |
| Net loans and leases to deposits | 95.2168% | 1,125 |
| Net loans and leases to core deposits | 131.0857% | 307 |
| Total domestic deposits to total assets | 79.1394% | 4,194 |
| Equity capital to assets | 20.5209% | 229 |
| Core capital (leverage) ratio | 20.5181% | 221 |
| Tier 1 risk-based capital ratio | 40.1219% | 231 |
| Total risk-based capital ratio | 40.7766% | 239 |
| Memoranda: | ||
| Average total assets | $91,514,670 | 4,195 |
| Average earning assets | $86,452,000 | 4,168 |
| Average equity | $18,696,330 | 3,283 |
| Average total loans | $68,552,330 | 3,869 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 4,331 |
| Cost of funding earning assets | 0.9664% | 1,712 |
| Net interest margin | 3.0517% | 4,668 |
| Noninterest income to average assets | 0.0350% | 5,249 |
| Noninterest expense to average assets | 2.5879% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2535% | 4,953 |
| Return on assets (ROA) | 0.2535% | 4,961 |
| Pretax return on assets | 0.3322% | 4,923 |
| Return on Equity (ROE) | 1.2438% | 5,052 |
| Retained earnings to average equity (ytd only) | 1.2438% | 4,266 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6228% | 455 |
| Assets per employee ($millions) | 8.3228% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3854% | 5,184 |
| Loan loss allowance to noncurrent loans | 100.3817% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,460 |
| Noncurrent loans to loans | 0.3839% | 3,212 |
| Net loans and leases to total assets | 74.2592% | 1,757 |
| Net loans and leases to deposits | 93.7117% | 1,205 |
| Net loans and leases to core deposits | 128.5088% | 326 |
| Total domestic deposits to total assets | 79.2422% | 4,309 |
| Equity capital to assets | 20.4454% | 225 |
| Core capital (leverage) ratio | 20.5663% | 220 |
| Tier 1 risk-based capital ratio | 40.1046% | 236 |
| Total risk-based capital ratio | 40.6681% | 241 |
| Memoranda: | ||
| Average total assets | $91,504,000 | 4,239 |
| Average earning assets | $86,508,000 | 4,214 |
| Average equity | $18,652,500 | 3,296 |
| Average total loans | $68,209,000 | 3,910 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 4,451 |
| Cost of funding earning assets | 0.7204% | 1,955 |
| Net interest margin | 3.0961% | 4,658 |
| Noninterest income to average assets | 0.0311% | 5,300 |
| Noninterest expense to average assets | 2.5657% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1501% | 5,147 |
| Return on assets (ROA) | 0.1501% | 5,137 |
| Pretax return on assets | 0.3774% | 4,961 |
| Return on Equity (ROE) | 0.7547% | 5,184 |
| Retained earnings to average equity (ytd only) | 0.7547% | 4,788 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1767% | 467 |
| Assets per employee ($millions) | 9.1457% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3858% | 5,224 |
| Loan loss allowance to noncurrent loans | 97.0480% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 3,390 |
| Noncurrent loans to loans | 0.3975% | 3,103 |
| Net loans and leases to total assets | 74.2502% | 1,899 |
| Net loans and leases to deposits | 93.5693% | 1,329 |
| Net loans and leases to core deposits | 127.6951% | 362 |
| Total domestic deposits to total assets | 79.3531% | 4,244 |
| Equity capital to assets | 20.3232% | 217 |
| Core capital (leverage) ratio | 19.9807% | 235 |
| Tier 1 risk-based capital ratio | 40.5467% | 223 |
| Total risk-based capital ratio | 41.1204% | 235 |
| Memoranda: | ||
| Average total assets | $93,270,400 | 4,215 |
| Average earning assets | $87,723,800 | 4,191 |
| Average equity | $18,550,000 | 3,236 |
| Average total loans | $66,433,000 | 3,951 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 4,486 |
| Cost of funding earning assets | 0.6732% | 2,013 |
| Net interest margin | 3.1041% | 4,696 |
| Noninterest income to average assets | 0.0299% | 5,383 |
| Noninterest expense to average assets | 2.5743% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3129% | 5,081 |
| Return on assets (ROA) | 0.3129% | 5,074 |
| Pretax return on assets | 0.3741% | 5,059 |
| Return on Equity (ROE) | 1.5790% | 5,179 |
| Retained earnings to average equity (ytd only) | 1.5790% | 4,701 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3131% | 445 |
| Assets per employee ($millions) | 9.3413% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3917% | 5,289 |
| Loan loss allowance to noncurrent loans | 96.3370% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 3,523 |
| Noncurrent loans to loans | 0.4066% | 3,195 |
| Net loans and leases to total assets | 71.5928% | 2,395 |
| Net loans and leases to deposits | 89.8715% | 1,921 |
| Net loans and leases to core deposits | 119.5534% | 584 |
| Total domestic deposits to total assets | 79.6613% | 4,180 |
| Equity capital to assets | 20.0004% | 228 |
| Core capital (leverage) ratio | 19.9137% | 239 |
| Tier 1 risk-based capital ratio | 41.5612% | 210 |
| Total risk-based capital ratio | 42.1462% | 219 |
| Memoranda: | ||
| Average total assets | $93,746,500 | 4,244 |
| Average earning assets | $88,140,000 | 4,221 |
| Average equity | $18,577,000 | 3,251 |
| Average total loans | $65,998,750 | 3,998 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,473 |
| Cost of funding earning assets | 0.6317% | 2,036 |
| Net interest margin | 3.1153% | 4,702 |
| Noninterest income to average assets | 0.0298% | 5,443 |
| Noninterest expense to average assets | 2.6423% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2855% | 5,136 |
| Return on assets (ROA) | 0.2855% | 5,130 |
| Pretax return on assets | 0.3090% | 5,156 |
| Return on Equity (ROE) | 1.4454% | 5,229 |
| Retained earnings to average equity (ytd only) | 1.4454% | 4,653 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5307% | 389 |
| Assets per employee ($millions) | 9.3439% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3979% | 5,356 |
| Loan loss allowance to noncurrent loans | 94.2652% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 3,567 |
| Noncurrent loans to loans | 0.4221% | 3,188 |
| Net loans and leases to total assets | 70.4513% | 2,514 |
| Net loans and leases to deposits | 88.3243% | 2,071 |
| Net loans and leases to core deposits | 115.9655% | 715 |
| Total domestic deposits to total assets | 79.7643% | 4,291 |
| Equity capital to assets | 19.9125% | 234 |
| Core capital (leverage) ratio | 19.8401% | 234 |
| Tier 1 risk-based capital ratio | 41.4813% | 211 |
| Total risk-based capital ratio | 42.0676% | 217 |
| Memoranda: | ||
| Average total assets | $93,857,670 | 4,282 |
| Average earning assets | $88,017,330 | 4,255 |
| Average equity | $18,541,670 | 3,270 |
| Average total loans | $65,618,330 | 4,029 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 4,443 |
| Cost of funding earning assets | 0.5966% | 2,079 |
| Net interest margin | 3.1151% | 4,672 |
| Noninterest income to average assets | 0.0298% | 5,516 |
| Noninterest expense to average assets | 2.5939% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2977% | 5,099 |
| Return on assets (ROA) | 0.2977% | 5,100 |
| Pretax return on assets | 0.3444% | 5,109 |
| Return on Equity (ROE) | 1.5127% | 5,248 |
| Retained earnings to average equity (ytd only) | 1.5127% | 4,483 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2779% | 521 |
| Assets per employee ($millions) | 8.5357% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4019% | 5,427 |
| Loan loss allowance to noncurrent loans | 93.5943% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,652 |
| Noncurrent loans to loans | 0.4294% | 3,250 |
| Net loans and leases to total assets | 69.4226% | 2,577 |
| Net loans and leases to deposits | 86.8273% | 2,069 |
| Net loans and leases to core deposits | 112.7460% | 854 |
| Total domestic deposits to total assets | 79.9548% | 4,427 |
| Equity capital to assets | 19.7363% | 225 |
| Core capital (leverage) ratio | 19.7510% | 221 |
| Tier 1 risk-based capital ratio | 40.8388% | 217 |
| Total risk-based capital ratio | 41.4184% | 223 |
| Memoranda: | ||
| Average total assets | $94,067,000 | 4,326 |
| Average earning assets | $87,830,500 | 4,305 |
| Average equity | $18,509,500 | 3,306 |
| Average total loans | $65,381,500 | 4,072 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 4,634 |
| Cost of funding earning assets | 0.4813% | 2,491 |
| Net interest margin | 3.0900% | 4,712 |
| Noninterest income to average assets | 0.0251% | 5,575 |
| Noninterest expense to average assets | 2.3945% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4492% | 4,537 |
| Return on assets (ROA) | 0.4492% | 4,566 |
| Pretax return on assets | 0.5349% | 4,874 |
| Return on Equity (ROE) | 2.3495% | 4,986 |
| Retained earnings to average equity (ytd only) | 2.3495% | 3,916 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7404% | 948 |
| Assets per employee ($millions) | 8.5674% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4027% | 5,483 |
| Loan loss allowance to noncurrent loans | 97.0480% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 3,739 |
| Noncurrent loans to loans | 0.4149% | 3,287 |
| Net loans and leases to total assets | 69.0294% | 2,681 |
| Net loans and leases to deposits | 86.2499% | 2,229 |
| Net loans and leases to core deposits | 111.8766% | 906 |
| Total domestic deposits to total assets | 80.0342% | 4,330 |
| Equity capital to assets | 19.6178% | 222 |
| Core capital (leverage) ratio | 19.3539% | 221 |
| Tier 1 risk-based capital ratio | 40.7656% | 206 |
| Total risk-based capital ratio | 41.3455% | 211 |
| Memoranda: | ||
| Average total assets | $95,718,400 | 4,317 |
| Average earning assets | $89,967,400 | 4,289 |
| Average equity | $18,301,800 | 3,329 |
| Average total loans | $64,656,800 | 4,084 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 4,689 |
| Cost of funding earning assets | 0.4611% | 2,605 |
| Net interest margin | 3.0894% | 4,739 |
| Noninterest income to average assets | 0.0264% | 5,639 |
| Noninterest expense to average assets | 2.3408% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4815% | 4,785 |
| Return on assets (ROA) | 0.4815% | 4,825 |
| Pretax return on assets | 0.5953% | 4,856 |
| Return on Equity (ROE) | 2.5343% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.5343% | 4,375 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7259% | 1,139 |
| Assets per employee ($millions) | 9.5605% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4036% | 5,560 |
| Loan loss allowance to noncurrent loans | 142.1622% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 4,330 |
| Noncurrent loans to loans | 0.2839% | 3,934 |
| Net loans and leases to total assets | 67.8824% | 2,859 |
| Net loans and leases to deposits | 84.4786% | 2,495 |
| Net loans and leases to core deposits | 108.9092% | 1,097 |
| Total domestic deposits to total assets | 80.3546% | 4,239 |
| Equity capital to assets | 19.2887% | 258 |
| Core capital (leverage) ratio | 18.9863% | 251 |
| Tier 1 risk-based capital ratio | 41.5488% | 203 |
| Total risk-based capital ratio | 42.1413% | 203 |
| Memoranda: | ||
| Average total assets | $96,090,750 | 4,348 |
| Average earning assets | $90,499,500 | 4,319 |
| Average equity | $18,256,250 | 3,361 |
| Average total loans | $64,491,750 | 4,114 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 4,627 |
| Cost of funding earning assets | 0.4513% | 2,587 |
| Net interest margin | 3.1013% | 4,682 |
| Noninterest income to average assets | 0.0270% | 5,690 |
| Noninterest expense to average assets | 2.3688% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4343% | 4,886 |
| Return on assets (ROA) | 0.4343% | 4,912 |
| Pretax return on assets | 0.5714% | 4,858 |
| Return on Equity (ROE) | 2.2974% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.2974% | 4,306 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5654% | 1,153 |
| Assets per employee ($millions) | 9.7966% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4095% | 5,604 |
| Loan loss allowance to noncurrent loans | 208.7302% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 4,676 |
| Noncurrent loans to loans | 0.1962% | 4,335 |
| Net loans and leases to total assets | 65.2818% | 3,217 |
| Net loans and leases to deposits | 80.6695% | 2,841 |
| Net loans and leases to core deposits | 103.5894% | 1,387 |
| Total domestic deposits to total assets | 80.9250% | 4,200 |
| Equity capital to assets | 18.6544% | 280 |
| Core capital (leverage) ratio | 18.8871% | 247 |
| Tier 1 risk-based capital ratio | 41.8403% | 188 |
| Total risk-based capital ratio | 42.4424% | 193 |
| Memoranda: | ||
| Average total assets | $96,252,670 | 4,371 |
| Average earning assets | $90,412,330 | 4,349 |
| Average equity | $18,194,670 | 3,371 |
| Average total loans | $64,268,330 | 4,143 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 4,722 |
| Cost of funding earning assets | 0.4407% | 2,608 |
| Net interest margin | 3.0493% | 4,789 |
| Noninterest income to average assets | 0.0294% | 5,761 |
| Noninterest expense to average assets | 2.3900% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4193% | 4,894 |
| Return on assets (ROA) | 0.4193% | 4,917 |
| Pretax return on assets | 0.5116% | 4,942 |
| Return on Equity (ROE) | 2.2033% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.2033% | 4,265 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3699% | 1,125 |
| Assets per employee ($millions) | 9.5520% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4034% | 5,685 |
| Loan loss allowance to noncurrent loans | 53.6735% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 3,176 |
| Noncurrent loans to loans | 0.7516% | 2,608 |
| Net loans and leases to total assets | 67.9763% | 2,687 |
| Net loans and leases to deposits | 84.4367% | 2,229 |
| Net loans and leases to core deposits | 104.7105% | 1,178 |
| Total domestic deposits to total assets | 80.5057% | 4,523 |
| Equity capital to assets | 19.0295% | 243 |
| Core capital (leverage) ratio | 19.0045% | 231 |
| Tier 1 risk-based capital ratio | 40.3754% | 222 |
| Total risk-based capital ratio | 40.9596% | 223 |
| Memoranda: | ||
| Average total assets | $95,396,000 | 4,430 |
| Average earning assets | $89,855,500 | 4,402 |
| Average equity | $18,154,500 | 3,392 |
| Average total loans | $64,294,000 | 4,176 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 4,628 |
| Cost of funding earning assets | 0.4225% | 2,780 |
| Net interest margin | 3.1325% | 4,635 |
| Noninterest income to average assets | 0.6692% | 2,319 |
| Noninterest expense to average assets | 2.4798% | 4,077 |
| Loan and lease loss provision to assets | -0.0116% | 5,498 |
| Net operating income to assets | 0.6060% | 4,182 |
| Return on assets (ROA) | 0.6060% | 4,295 |
| Pretax return on assets | 1.1308% | 2,965 |
| Return on Equity (ROE) | 3.2491% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.2491% | 3,595 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9019% | 3,090 |
| Assets per employee ($millions) | 8.6611% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4149% | 5,724 |
| Loan loss allowance to noncurrent loans | 196.2687% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,746 |
| Noncurrent loans to loans | 0.2114% | 4,392 |
| Net loans and leases to total assets | 66.2640% | 3,037 |
| Net loans and leases to deposits | 82.4908% | 2,607 |
| Net loans and leases to core deposits | 101.5376% | 1,484 |
| Total domestic deposits to total assets | 80.3290% | 4,500 |
| Equity capital to assets | 19.0318% | 245 |
| Core capital (leverage) ratio | 18.9715% | 233 |
| Tier 1 risk-based capital ratio | 41.1017% | 208 |
| Total risk-based capital ratio | 41.6978% | 211 |
| Memoranda: | ||
| Average total assets | $94,884,800 | 4,447 |
| Average earning assets | $88,747,600 | 4,415 |
| Average equity | $17,697,200 | 3,456 |
| Average total loans | $63,011,200 | 4,199 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,526 |
| Cost of funding earning assets | 0.4187% | 2,853 |
| Net interest margin | 3.1900% | 4,512 |
| Noninterest income to average assets | 0.0309% | 5,879 |
| Noninterest expense to average assets | 2.5160% | 3,936 |
| Loan and lease loss provision to assets | -0.0155% | 5,660 |
| Net operating income to assets | 0.4008% | 5,012 |
| Return on assets (ROA) | 0.4008% | 5,110 |
| Pretax return on assets | 0.5091% | 5,100 |
| Return on Equity (ROE) | 2.1585% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.1585% | 4,613 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5981% | 1,019 |
| Assets per employee ($millions) | 8.6813% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4152% | 5,794 |
| Loan loss allowance to noncurrent loans | 191.9708% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 3,899 |
| Noncurrent loans to loans | 0.2163% | 4,493 |
| Net loans and leases to total assets | 66.0596% | 3,111 |
| Net loans and leases to deposits | 81.5584% | 2,790 |
| Net loans and leases to core deposits | 99.7234% | 1,664 |
| Total domestic deposits to total assets | 80.9967% | 4,246 |
| Equity capital to assets | 18.5739% | 299 |
| Core capital (leverage) ratio | 18.5121% | 261 |
| Tier 1 risk-based capital ratio | 40.0230% | 223 |
| Total risk-based capital ratio | 40.6165% | 234 |
| Memoranda: | ||
| Average total assets | $94,804,000 | 4,487 |
| Average earning assets | $88,523,500 | 4,463 |
| Average equity | $17,604,250 | 3,495 |
| Average total loans | $62,915,500 | 4,225 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6764% | 4,371 |
| Cost of funding earning assets | 0.4130% | 2,911 |
| Net interest margin | 3.2634% | 4,338 |
| Noninterest income to average assets | 0.0317% | 5,950 |
| Noninterest expense to average assets | 2.5525% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4272% | 4,950 |
| Return on assets (ROA) | 0.4272% | 5,038 |
| Pretax return on assets | 0.5202% | 5,096 |
| Return on Equity (ROE) | 2.3007% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.3007% | 4,409 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0695% | 1,135 |
| Assets per employee ($millions) | 8.6443% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 5,856 |
| Loan loss allowance to noncurrent loans | 164.0719% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 3,846 |
| Noncurrent loans to loans | 0.2658% | 4,408 |
| Net loans and leases to total assets | 65.7850% | 3,109 |
| Net loans and leases to deposits | 81.1607% | 2,796 |
| Net loans and leases to core deposits | 99.4547% | 1,678 |
| Total domestic deposits to total assets | 81.0552% | 4,260 |
| Equity capital to assets | 18.5788% | 289 |
| Core capital (leverage) ratio | 18.5468% | 254 |
| Tier 1 risk-based capital ratio | 39.7167% | 236 |
| Total risk-based capital ratio | 40.3327% | 242 |
| Memoranda: | ||
| Average total assets | $94,574,000 | 4,525 |
| Average earning assets | $88,129,330 | 4,500 |
| Average equity | $17,560,000 | 3,505 |
| Average total loans | $62,772,000 | 4,263 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 4,010 |
| Cost of funding earning assets | 0.4091% | 2,975 |
| Net interest margin | 3.3725% | 3,969 |
| Noninterest income to average assets | 0.0339% | 6,012 |
| Noninterest expense to average assets | 2.5870% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5047% | 4,617 |
| Return on assets (ROA) | 0.5047% | 4,711 |
| Pretax return on assets | 0.5937% | 4,836 |
| Return on Equity (ROE) | 2.7189% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.7189% | 4,150 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3333% | 1,450 |
| Assets per employee ($millions) | 8.6187% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 5,921 |
| Loan loss allowance to noncurrent loans | 96.4789% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,460 |
| Noncurrent loans to loans | 0.4520% | 3,822 |
| Net loans and leases to total assets | 65.9779% | 2,951 |
| Net loans and leases to deposits | 81.3301% | 2,626 |
| Net loans and leases to core deposits | 98.2811% | 1,613 |
| Total domestic deposits to total assets | 81.1236% | 4,463 |
| Equity capital to assets | 18.5231% | 290 |
| Core capital (leverage) ratio | 18.5008% | 259 |
| Tier 1 risk-based capital ratio | 39.4505% | 243 |
| Total risk-based capital ratio | 40.0660% | 249 |
| Memoranda: | ||
| Average total assets | $94,317,500 | 4,571 |
| Average earning assets | $88,006,000 | 4,546 |
| Average equity | $17,507,000 | 3,512 |
| Average total loans | $62,744,500 | 4,293 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,163 |
| Cost of funding earning assets | 0.3997% | 3,167 |
| Net interest margin | 3.3606% | 4,074 |
| Noninterest income to average assets | 0.0147% | 6,079 |
| Noninterest expense to average assets | 2.3322% | 4,701 |
| Loan and lease loss provision to assets | 0.0504% | 3,313 |
| Net operating income to assets | 0.5074% | 4,663 |
| Return on assets (ROA) | 0.5074% | 4,753 |
| Pretax return on assets | 0.7858% | 4,235 |
| Return on Equity (ROE) | 2.8036% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.8036% | 4,074 |
| Net charge-offs to loans | 0.0755% | 2,747 |
| Credit loss provision to net charge-offs | 104.3478% | 2,405 |
| Earnings coverage of net charge-offs (x) | 17.3043% | 2,084 |
| Efficiency ratio | 73.6074% | 2,640 |
| Assets per employee ($millions) | 8.5299% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4373% | 5,969 |
| Loan loss allowance to noncurrent loans | 166.0606% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 3,933 |
| Noncurrent loans to loans | 0.2633% | 4,505 |
| Net loans and leases to total assets | 66.4933% | 2,912 |
| Net loans and leases to deposits | 82.0414% | 2,580 |
| Net loans and leases to core deposits | 99.3108% | 1,570 |
| Total domestic deposits to total assets | 81.0485% | 4,466 |
| Equity capital to assets | 18.6009% | 269 |
| Core capital (leverage) ratio | 18.2540% | 279 |
| Tier 1 risk-based capital ratio | 39.5258% | 238 |
| Total risk-based capital ratio | 40.1463% | 243 |
| Memoranda: | ||
| Average total assets | $95,187,200 | 4,560 |
| Average earning assets | $89,328,000 | 4,520 |
| Average equity | $17,227,600 | 3,501 |
| Average total loans | $60,932,800 | 4,353 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 4,330 |
| Cost of funding earning assets | 0.3940% | 3,281 |
| Net interest margin | 3.3351% | 4,199 |
| Noninterest income to average assets | 0.0349% | 6,133 |
| Noninterest expense to average assets | 2.2858% | 4,817 |
| Loan and lease loss provision to assets | 0.0516% | 3,168 |
| Net operating income to assets | 0.5945% | 4,413 |
| Return on assets (ROA) | 0.5945% | 4,512 |
| Pretax return on assets | 0.8275% | 4,252 |
| Return on Equity (ROE) | 3.3051% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.3051% | 4,118 |
| Net charge-offs to loans | 0.1014% | 2,131 |
| Credit loss provision to net charge-offs | 80.4348% | 2,605 |
| Earnings coverage of net charge-offs (x) | 13.6961% | 2,304 |
| Efficiency ratio | 72.2222% | 2,834 |
| Assets per employee ($millions) | 8.7216% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4225% | 6,077 |
| Loan loss allowance to noncurrent loans | 61.8824% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 2,743 |
| Noncurrent loans to loans | 0.6828% | 3,272 |
| Net loans and leases to total assets | 64.6042% | 3,213 |
| Net loans and leases to deposits | 79.4157% | 2,945 |
| Net loans and leases to core deposits | 95.2293% | 1,958 |
| Total domestic deposits to total assets | 81.3494% | 4,376 |
| Equity capital to assets | 18.1544% | 331 |
| Core capital (leverage) ratio | 18.1876% | 288 |
| Tier 1 risk-based capital ratio | 38.9477% | 263 |
| Total risk-based capital ratio | 39.5358% | 275 |
| Memoranda: | ||
| Average total assets | $95,544,000 | 4,604 |
| Average earning assets | $89,671,250 | 4,563 |
| Average equity | $17,185,250 | 3,531 |
| Average total loans | $60,500,000 | 4,416 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 4,306 |
| Cost of funding earning assets | 0.3947% | 3,329 |
| Net interest margin | 3.3381% | 4,146 |
| Noninterest income to average assets | 0.0314% | 6,213 |
| Noninterest expense to average assets | 2.4064% | 4,525 |
| Loan and lease loss provision to assets | 0.0210% | 3,716 |
| Net operating income to assets | 0.4989% | 4,772 |
| Return on assets (ROA) | 0.4989% | 4,877 |
| Pretax return on assets | 0.7420% | 4,521 |
| Return on Equity (ROE) | 2.7823% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.7823% | 4,278 |
| Net charge-offs to loans | 0.0834% | 2,211 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 14.5600% | 2,049 |
| Efficiency ratio | 75.9259% | 2,370 |
| Assets per employee ($millions) | 8.6645% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 6,153 |
| Loan loss allowance to noncurrent loans | 75.8112% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 3,005 |
| Noncurrent loans to loans | 0.5563% | 3,785 |
| Net loans and leases to total assets | 63.6680% | 3,312 |
| Net loans and leases to deposits | 78.1400% | 3,008 |
| Net loans and leases to core deposits | 93.2551% | 2,032 |
| Total domestic deposits to total assets | 81.4794% | 4,451 |
| Equity capital to assets | 18.0789% | 333 |
| Core capital (leverage) ratio | 17.9113% | 295 |
| Tier 1 risk-based capital ratio | 39.9698% | 256 |
| Total risk-based capital ratio | 40.5660% | 275 |
| Memoranda: | ||
| Average total assets | $95,412,670 | 4,648 |
| Average earning assets | $89,692,330 | 4,605 |
| Average equity | $17,108,000 | 3,553 |
| Average total loans | $59,919,000 | 4,467 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,433 |
| Cost of funding earning assets | 0.3926% | 3,382 |
| Net interest margin | 3.2883% | 4,271 |
| Noninterest income to average assets | 0.0377% | 6,259 |
| Noninterest expense to average assets | 2.4260% | 4,530 |
| Loan and lease loss provision to assets | 0.0419% | 3,074 |
| Net operating income to assets | 0.4735% | 4,786 |
| Return on assets (ROA) | 0.4735% | 4,905 |
| Pretax return on assets | 0.6578% | 4,730 |
| Return on Equity (ROE) | 2.6516% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.6516% | 4,360 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6139% | 2,245 |
| Assets per employee ($millions) | 8.7239% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 6,193 |
| Loan loss allowance to noncurrent loans | 64.8276% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 3,425 |
| Noncurrent loans to loans | 0.7228% | 3,453 |
| Net loans and leases to total assets | 62.4209% | 3,298 |
| Net loans and leases to deposits | 76.3595% | 3,011 |
| Net loans and leases to core deposits | 90.4999% | 2,086 |
| Total domestic deposits to total assets | 81.7461% | 4,589 |
| Equity capital to assets | 17.8277% | 346 |
| Core capital (leverage) ratio | 17.7697% | 304 |
| Tier 1 risk-based capital ratio | 39.0843% | 275 |
| Total risk-based capital ratio | 39.7286% | 276 |
| Memoranda: | ||
| Average total assets | $95,464,000 | 4,677 |
| Average earning assets | $89,652,500 | 4,642 |
| Average equity | $17,046,500 | 3,584 |
| Average total loans | $59,409,000 | 4,508 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5390% | 5,228 |
| Cost of funding earning assets | 0.4048% | 3,647 |
| Net interest margin | 3.1342% | 5,115 |
| Noninterest income to average assets | 0.0728% | 6,234 |
| Noninterest expense to average assets | 2.2552% | 5,225 |
| Loan and lease loss provision to assets | 0.0061% | 4,502 |
| Net operating income to assets | 0.4994% | 4,812 |
| Return on assets (ROA) | 0.4994% | 4,901 |
| Pretax return on assets | 0.7703% | 4,366 |
| Return on Equity (ROE) | 2.9437% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.9437% | 4,149 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3915% | 2,770 |
| Assets per employee ($millions) | 8.6332% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 6,286 |
| Loan loss allowance to noncurrent loans | 86.3492% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 3,895 |
| Noncurrent loans to loans | 0.5372% | 4,049 |
| Net loans and leases to total assets | 61.4574% | 3,580 |
| Net loans and leases to deposits | 75.2585% | 3,283 |
| Net loans and leases to core deposits | 88.0911% | 2,489 |
| Total domestic deposits to total assets | 81.6617% | 4,544 |
| Equity capital to assets | 17.8855% | 327 |
| Core capital (leverage) ratio | 17.8392% | 296 |
| Tier 1 risk-based capital ratio | 41.6210% | 215 |
| Total risk-based capital ratio | 42.2893% | 219 |
| Memoranda: | ||
| Average total assets | $98,926,400 | 4,627 |
| Average earning assets | $93,389,200 | 4,571 |
| Average equity | $16,781,400 | 3,562 |
| Average total loans | $58,196,200 | 4,542 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4935% | 5,406 |
| Cost of funding earning assets | 0.4053% | 3,726 |
| Net interest margin | 3.0883% | 5,290 |
| Noninterest income to average assets | 0.0841% | 6,297 |
| Noninterest expense to average assets | 2.2111% | 5,327 |
| Loan and lease loss provision to assets | 0.0053% | 4,306 |
| Net operating income to assets | 0.5124% | 4,828 |
| Return on assets (ROA) | 0.5124% | 4,893 |
| Pretax return on assets | 0.7860% | 4,411 |
| Return on Equity (ROE) | 3.0602% | 5,518 |
| Retained earnings to average equity (ytd only) | 3.0602% | 4,438 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6444% | 2,878 |
| Assets per employee ($millions) | 8.9464% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4672% | 6,371 |
| Loan loss allowance to noncurrent loans | 66.9975% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 3,920 |
| Noncurrent loans to loans | 0.6974% | 3,865 |
| Net loans and leases to total assets | 58.4473% | 4,011 |
| Net loans and leases to deposits | 71.0186% | 3,793 |
| Net loans and leases to core deposits | 82.5246% | 3,054 |
| Total domestic deposits to total assets | 82.2985% | 4,376 |
| Equity capital to assets | 17.1659% | 407 |
| Core capital (leverage) ratio | 17.1040% | 362 |
| Tier 1 risk-based capital ratio | 42.1654% | 209 |
| Total risk-based capital ratio | 42.8418% | 212 |
| Memoranda: | ||
| Average total assets | $99,916,750 | 4,642 |
| Average earning assets | $94,420,000 | 4,589 |
| Average equity | $16,730,500 | 3,584 |
| Average total loans | $58,086,500 | 4,587 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 5,447 |
| Cost of funding earning assets | 0.4068% | 3,803 |
| Net interest margin | 3.0753% | 5,332 |
| Noninterest income to average assets | 0.1075% | 6,259 |
| Noninterest expense to average assets | 2.2506% | 5,283 |
| Loan and lease loss provision to assets | 0.0080% | 4,076 |
| Net operating income to assets | 0.4899% | 4,846 |
| Return on assets (ROA) | 0.4899% | 4,923 |
| Pretax return on assets | 0.7548% | 4,434 |
| Return on Equity (ROE) | 2.9503% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.9503% | 4,324 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6861% | 2,857 |
| Assets per employee ($millions) | 9.0587% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4651% | 6,452 |
| Loan loss allowance to noncurrent loans | 60.1336% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 4,653 |
| Noncurrent loans to loans | 0.7734% | 3,767 |
| Net loans and leases to total assets | 57.9903% | 3,996 |
| Net loans and leases to deposits | 70.1164% | 3,811 |
| Net loans and leases to core deposits | 81.2717% | 3,069 |
| Total domestic deposits to total assets | 82.7058% | 4,410 |
| Equity capital to assets | 16.8667% | 433 |
| Core capital (leverage) ratio | 16.7523% | 384 |
| Tier 1 risk-based capital ratio | 40.7972% | 224 |
| Total risk-based capital ratio | 41.4571% | 233 |
| Memoranda: | ||
| Average total assets | $100,419,000 | 4,675 |
| Average earning assets | $94,884,670 | 4,618 |
| Average equity | $16,676,330 | 3,587 |
| Average total loans | $58,186,000 | 4,605 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 5,390 |
| Cost of funding earning assets | 0.4071% | 3,877 |
| Net interest margin | 3.1058% | 5,228 |
| Noninterest income to average assets | 0.1905% | 5,822 |
| Noninterest expense to average assets | 2.2618% | 5,299 |
| Loan and lease loss provision to assets | 0.0159% | 3,619 |
| Net operating income to assets | 0.5635% | 4,392 |
| Return on assets (ROA) | 0.5635% | 4,469 |
| Pretax return on assets | 0.8492% | 3,906 |
| Return on Equity (ROE) | 3.4194% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.4194% | 4,083 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3350% | 3,427 |
| Assets per employee ($millions) | 9.2233% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 6,527 |
| Loan loss allowance to noncurrent loans | 71.8085% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 5,046 |
| Noncurrent loans to loans | 0.6460% | 4,244 |
| Net loans and leases to total assets | 57.0996% | 3,984 |
| Net loans and leases to deposits | 68.6826% | 3,774 |
| Net loans and leases to core deposits | 79.3673% | 3,053 |
| Total domestic deposits to total assets | 83.1355% | 4,560 |
| Equity capital to assets | 16.4633% | 465 |
| Core capital (leverage) ratio | 16.3509% | 437 |
| Tier 1 risk-based capital ratio | 40.0517% | 233 |
| Total risk-based capital ratio | 40.7035% | 240 |
| Memoranda: | ||
| Average total assets | $100,805,500 | 4,719 |
| Average earning assets | $95,304,500 | 4,647 |
| Average equity | $16,611,000 | 3,601 |
| Average total loans | $58,251,500 | 4,645 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5494% | 5,535 |
| Cost of funding earning assets | 0.5090% | 3,514 |
| Net interest margin | 3.0404% | 5,481 |
| Noninterest income to average assets | 0.0404% | 6,575 |
| Noninterest expense to average assets | 2.1565% | 5,720 |
| Loan and lease loss provision to assets | 0.0591% | 3,957 |
| Net operating income to assets | 0.4354% | 5,014 |
| Return on assets (ROA) | 0.4354% | 5,137 |
| Pretax return on assets | 0.6788% | 4,613 |
| Return on Equity (ROE) | 2.7221% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.7221% | 4,299 |
| Net charge-offs to loans | 0.0740% | 4,176 |
| Credit loss provision to net charge-offs | 139.5349% | 1,670 |
| Earnings coverage of net charge-offs (x) | 17.4186% | 1,716 |
| Efficiency ratio | 74.5065% | 3,045 |
| Assets per employee ($millions) | 9.1050% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4562% | 6,603 |
| Loan loss allowance to noncurrent loans | 29.2308% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 3,563 |
| Noncurrent loans to loans | 1.5608% | 2,558 |
| Net loans and leases to total assets | 57.9462% | 4,041 |
| Net loans and leases to deposits | 69.7406% | 3,816 |
| Net loans and leases to core deposits | 79.9097% | 3,147 |
| Total domestic deposits to total assets | 83.0882% | 4,515 |
| Equity capital to assets | 16.4934% | 447 |
| Core capital (leverage) ratio | 16.4225% | 422 |
| Tier 1 risk-based capital ratio | 39.7737% | 232 |
| Total risk-based capital ratio | 40.4169% | 239 |
| Memoranda: | ||
| Average total assets | $101,506,400 | 4,704 |
| Average earning assets | $95,284,600 | 4,645 |
| Average equity | $16,237,400 | 3,667 |
| Average total loans | $58,144,200 | 4,682 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5406% | 5,596 |
| Cost of funding earning assets | 0.5333% | 3,435 |
| Net interest margin | 3.0073% | 5,573 |
| Noninterest income to average assets | 0.0367% | 6,662 |
| Noninterest expense to average assets | 2.1156% | 5,796 |
| Loan and lease loss provision to assets | 0.0733% | 3,592 |
| Net operating income to assets | 0.4242% | 5,142 |
| Return on assets (ROA) | 0.4242% | 5,287 |
| Pretax return on assets | 0.6677% | 4,799 |
| Return on Equity (ROE) | 2.6720% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.6720% | 4,719 |
| Net charge-offs to loans | 0.0987% | 3,570 |
| Credit loss provision to net charge-offs | 130.2326% | 1,813 |
| Earnings coverage of net charge-offs (x) | 13.1633% | 2,056 |
| Efficiency ratio | 74.0605% | 3,060 |
| Assets per employee ($millions) | 9.6112% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 6,688 |
| Loan loss allowance to noncurrent loans | 74.6439% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 4,017 |
| Noncurrent loans to loans | 0.6044% | 4,686 |
| Net loans and leases to total assets | 54.6854% | 4,505 |
| Net loans and leases to deposits | 65.0601% | 4,397 |
| Net loans and leases to core deposits | 72.1848% | 4,065 |
| Total domestic deposits to total assets | 84.0536% | 4,166 |
| Equity capital to assets | 15.4725% | 631 |
| Core capital (leverage) ratio | 15.4460% | 572 |
| Tier 1 risk-based capital ratio | 38.7306% | 259 |
| Total risk-based capital ratio | 39.3520% | 263 |
| Memoranda: | ||
| Average total assets | $101,844,250 | 4,740 |
| Average earning assets | $95,500,000 | 4,680 |
| Average equity | $16,167,000 | 3,715 |
| Average total loans | $58,104,750 | 4,724 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 5,569 |
| Cost of funding earning assets | 0.5605% | 3,304 |
| Net interest margin | 2.9976% | 5,573 |
| Noninterest income to average assets | 0.0259% | 6,739 |
| Noninterest expense to average assets | 2.2178% | 5,584 |
| Loan and lease loss provision to assets | 0.0895% | 3,294 |
| Net operating income to assets | 0.4018% | 5,212 |
| Return on assets (ROA) | 0.4018% | 5,375 |
| Pretax return on assets | 0.5271% | 5,279 |
| Return on Equity (ROE) | 2.5088% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.5088% | 4,702 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2456% | 2,419 |
| Assets per employee ($millions) | 9.4149% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5006% | 6,706 |
| Loan loss allowance to noncurrent loans | 33.2956% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 3,712 |
| Noncurrent loans to loans | 1.5036% | 3,049 |
| Net loans and leases to total assets | 56.4202% | 4,218 |
| Net loans and leases to deposits | 67.2788% | 4,102 |
| Net loans and leases to core deposits | 74.3671% | 3,751 |
| Total domestic deposits to total assets | 83.8602% | 4,375 |
| Equity capital to assets | 15.6502% | 591 |
| Core capital (leverage) ratio | 15.6502% | 498 |
| Tier 1 risk-based capital ratio | 38.6098% | 257 |
| Total risk-based capital ratio | 39.3101% | 261 |
| Memoranda: | ||
| Average total assets | $100,551,330 | 4,801 |
| Average earning assets | $94,210,000 | 4,751 |
| Average equity | $16,103,330 | 3,757 |
| Average total loans | $58,114,000 | 4,741 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 4,858 |
| Cost of funding earning assets | 0.5840% | 3,264 |
| Net interest margin | 3.2056% | 4,916 |
| Noninterest income to average assets | 0.0283% | 6,795 |
| Noninterest expense to average assets | 2.3424% | 5,295 |
| Loan and lease loss provision to assets | 0.1817% | 2,037 |
| Net operating income to assets | 0.3635% | 5,292 |
| Return on assets (ROA) | 0.3635% | 5,428 |
| Pretax return on assets | 0.4967% | 5,270 |
| Return on Equity (ROE) | 2.2429% | 5,862 |
| Retained earnings to average equity (ytd only) | 2.2429% | 4,891 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5401% | 2,686 |
| Assets per employee ($millions) | 9.3642% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 6,780 |
| Loan loss allowance to noncurrent loans | 30.3093% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 3,743 |
| Noncurrent loans to loans | 1.6801% | 3,025 |
| Net loans and leases to total assets | 55.7637% | 4,125 |
| Net loans and leases to deposits | 66.4561% | 3,998 |
| Net loans and leases to core deposits | 72.8814% | 3,712 |
| Total domestic deposits to total assets | 83.9106% | 4,518 |
| Equity capital to assets | 15.6263% | 624 |
| Core capital (leverage) ratio | 15.6263% | 500 |
| Tier 1 risk-based capital ratio | 38.9913% | 251 |
| Total risk-based capital ratio | 39.7035% | 255 |
| Memoranda: | ||
| Average total assets | $99,045,000 | 4,886 |
| Average earning assets | $92,464,500 | 4,836 |
| Average equity | $16,051,000 | 3,813 |
| Average total loans | $57,808,500 | 4,785 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 5,788 |
| Cost of funding earning assets | 0.7535% | 3,062 |
| Net interest margin | 3.0622% | 5,902 |
| Noninterest income to average assets | 0.0327% | 6,743 |
| Noninterest expense to average assets | 2.0293% | 6,276 |
| Loan and lease loss provision to assets | 0.0173% | 5,686 |
| Net operating income to assets | 0.5610% | 4,425 |
| Return on assets (ROA) | 0.5610% | 4,681 |
| Pretax return on assets | 0.8641% | 4,053 |
| Return on Equity (ROE) | 3.7111% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.7111% | 3,606 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7190% | 3,864 |
| Assets per employee ($millions) | 8.6440% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4302% | 6,876 |
| Loan loss allowance to noncurrent loans | 33.2443% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 3,903 |
| Noncurrent loans to loans | 1.2940% | 3,674 |
| Net loans and leases to total assets | 60.6138% | 3,491 |
| Net loans and leases to deposits | 73.3416% | 3,201 |
| Net loans and leases to core deposits | 79.8321% | 3,035 |
| Total domestic deposits to total assets | 82.6459% | 4,871 |
| Equity capital to assets | 16.8335% | 436 |
| Core capital (leverage) ratio | 16.8335% | 370 |
| Tier 1 risk-based capital ratio | 38.5910% | 257 |
| Total risk-based capital ratio | 39.1913% | 272 |
| Memoranda: | ||
| Average total assets | $103,928,200 | 4,735 |
| Average earning assets | $97,676,000 | 4,650 |
| Average equity | $15,709,800 | 3,826 |
| Average total loans | $57,753,400 | 4,807 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 6,159 |
| Cost of funding earning assets | 0.7817% | 3,097 |
| Net interest margin | 2.9522% | 6,267 |
| Noninterest income to average assets | 0.0339% | 6,854 |
| Noninterest expense to average assets | 1.9684% | 6,405 |
| Loan and lease loss provision to assets | 0.0226% | 5,513 |
| Net operating income to assets | 0.5263% | 4,726 |
| Return on assets (ROA) | 0.5263% | 4,998 |
| Pretax return on assets | 0.8228% | 4,406 |
| Return on Equity (ROE) | 3.5729% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.5729% | 4,361 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9554% | 3,692 |
| Assets per employee ($millions) | 9.9438% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4321% | 6,991 |
| Loan loss allowance to noncurrent loans | 50.2016% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 5,301 |
| Noncurrent loans to loans | 0.8607% | 4,698 |
| Net loans and leases to total assets | 52.4584% | 4,984 |
| Net loans and leases to deposits | 61.7281% | 4,999 |
| Net loans and leases to core deposits | 79.5839% | 3,258 |
| Total domestic deposits to total assets | 84.9829% | 3,749 |
| Equity capital to assets | 14.4823% | 975 |
| Core capital (leverage) ratio | 14.4823% | 711 |
| Tier 1 risk-based capital ratio | 37.9307% | 287 |
| Total risk-based capital ratio | 38.5269% | 301 |
| Memoranda: | ||
| Average total assets | $106,139,250 | 4,726 |
| Average earning assets | $99,947,000 | 4,645 |
| Average equity | $15,635,750 | 3,875 |
| Average total loans | $57,721,000 | 4,852 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 6,158 |
| Cost of funding earning assets | 0.8357% | 2,901 |
| Net interest margin | 2.9564% | 6,324 |
| Noninterest income to average assets | 0.0343% | 6,909 |
| Noninterest expense to average assets | 2.0065% | 6,418 |
| Loan and lease loss provision to assets | 0.0343% | 5,242 |
| Net operating income to assets | 0.5673% | 4,504 |
| Return on assets (ROA) | 0.5673% | 4,784 |
| Pretax return on assets | 0.7748% | 4,559 |
| Return on Equity (ROE) | 3.8285% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.8285% | 4,066 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2644% | 3,556 |
| Assets per employee ($millions) | 9.7619% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 7,063 |
| Loan loss allowance to noncurrent loans | 30.7787% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 4,912 |
| Noncurrent loans to loans | 1.3990% | 3,823 |
| Net loans and leases to total assets | 53.6212% | 4,860 |
| Net loans and leases to deposits | 63.1764% | 4,856 |
| Net loans and leases to core deposits | 79.2150% | 3,336 |
| Total domestic deposits to total assets | 84.8754% | 3,914 |
| Equity capital to assets | 14.6413% | 874 |
| Core capital (leverage) ratio | 14.6413% | 665 |
| Tier 1 risk-based capital ratio | 36.6677% | 312 |
| Total risk-based capital ratio | 37.2484% | 316 |
| Memoranda: | ||
| Average total assets | $105,058,330 | 4,772 |
| Average earning assets | $98,835,330 | 4,699 |
| Average equity | $15,567,330 | 3,871 |
| Average total loans | $57,751,670 | 4,879 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 6,114 |
| Cost of funding earning assets | 0.8702% | 2,916 |
| Net interest margin | 2.9904% | 6,309 |
| Noninterest income to average assets | 0.0423% | 6,966 |
| Noninterest expense to average assets | 2.0751% | 6,323 |
| Loan and lease loss provision to assets | 0.0423% | 4,863 |
| Net operating income to assets | 0.5159% | 4,755 |
| Return on assets (ROA) | 0.5159% | 4,967 |
| Pretax return on assets | 0.7430% | 4,634 |
| Return on Equity (ROE) | 3.4603% | 5,527 |
| Retained earnings to average equity (ytd only) | 3.4603% | 4,504 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5437% | 3,334 |
| Assets per employee ($millions) | 9.4747% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4178% | 7,125 |
| Loan loss allowance to noncurrent loans | 45.8333% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 5,594 |
| Noncurrent loans to loans | 0.9116% | 4,842 |
| Net loans and leases to total assets | 55.3415% | 4,500 |
| Net loans and leases to deposits | 65.4265% | 4,445 |
| Net loans and leases to core deposits | 82.1086% | 2,819 |
| Total domestic deposits to total assets | 84.5858% | 4,228 |
| Equity capital to assets | 14.9268% | 765 |
| Core capital (leverage) ratio | 14.9268% | 609 |
| Tier 1 risk-based capital ratio | 36.0066% | 313 |
| Total risk-based capital ratio | 36.5667% | 323 |
| Memoranda: | ||
| Average total assets | $103,897,000 | 4,835 |
| Average earning assets | $97,912,500 | 4,756 |
| Average equity | $15,490,000 | 3,891 |
| Average total loans | $57,713,500 | 4,909 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 5,677 |
| Cost of funding earning assets | 1.0395% | 3,099 |
| Net interest margin | 3.2859% | 5,853 |
| Noninterest income to average assets | 0.0332% | 6,893 |
| Noninterest expense to average assets | 2.1691% | 6,330 |
| Loan and lease loss provision to assets | 0.0665% | 5,781 |
| Net operating income to assets | 0.6306% | 3,826 |
| Return on assets (ROA) | 0.6306% | 4,031 |
| Pretax return on assets | 0.9370% | 3,482 |
| Return on Equity (ROE) | 4.0131% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.0131% | 3,336 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3694% | 4,283 |
| Assets per employee ($millions) | 9.4156% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4017% | 7,167 |
| Loan loss allowance to noncurrent loans | 70.6422% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 6,185 |
| Noncurrent loans to loans | 0.5686% | 5,577 |
| Net loans and leases to total assets | 55.3007% | 4,835 |
| Net loans and leases to deposits | 65.3649% | 4,823 |
| Net loans and leases to core deposits | 82.4768% | 3,113 |
| Total domestic deposits to total assets | 84.6030% | 4,043 |
| Equity capital to assets | 14.8911% | 806 |
| Core capital (leverage) ratio | 14.8911% | 620 |
| Tier 1 risk-based capital ratio | 35.3325% | 326 |
| Total risk-based capital ratio | 35.8617% | 337 |
| Memoranda: | ||
| Average total assets | $96,263,000 | 4,999 |
| Average earning assets | $91,968,000 | 4,856 |
| Average equity | $15,125,600 | 3,883 |
| Average total loans | $57,076,600 | 4,982 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 5,370 |
| Cost of funding earning assets | 1.0815% | 3,103 |
| Net interest margin | 3.3830% | 5,626 |
| Noninterest income to average assets | 0.0353% | 6,999 |
| Noninterest expense to average assets | 2.1827% | 6,316 |
| Loan and lease loss provision to assets | 0.0565% | 5,733 |
| Net operating income to assets | 0.6805% | 3,712 |
| Return on assets (ROA) | 0.6805% | 3,886 |
| Pretax return on assets | 1.0335% | 3,271 |
| Return on Equity (ROE) | 4.2697% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.2697% | 3,689 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6954% | 4,586 |
| Assets per employee ($millions) | 8.7951% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3660% | 7,252 |
| Loan loss allowance to noncurrent loans | 45.3947% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 5,902 |
| Noncurrent loans to loans | 0.8063% | 5,257 |
| Net loans and leases to total assets | 58.2422% | 4,466 |
| Net loans and leases to deposits | 69.9077% | 4,318 |
| Net loans and leases to core deposits | 83.5773% | 3,115 |
| Total domestic deposits to total assets | 83.3130% | 4,554 |
| Equity capital to assets | 15.8125% | 664 |
| Core capital (leverage) ratio | 15.8125% | 530 |
| Tier 1 risk-based capital ratio | 36.8609% | 307 |
| Total risk-based capital ratio | 37.3596% | 314 |
| Memoranda: | ||
| Average total assets | $94,435,750 | 5,091 |
| Average earning assets | $90,370,250 | 4,944 |
| Average equity | $15,051,250 | 3,910 |
| Average total loans | $56,969,000 | 5,034 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 5,127 |
| Cost of funding earning assets | 1.1167% | 3,113 |
| Net interest margin | 3.4459% | 5,386 |
| Noninterest income to average assets | 0.0363% | 7,096 |
| Noninterest expense to average assets | 2.2527% | 6,236 |
| Loan and lease loss provision to assets | 0.0278% | 5,960 |
| Net operating income to assets | 0.6641% | 3,722 |
| Return on assets (ROA) | 0.6641% | 3,847 |
| Pretax return on assets | 1.0634% | 2,998 |
| Return on Equity (ROE) | 4.1553% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.1553% | 3,552 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3691% | 4,632 |
| Assets per employee ($millions) | 8.6345% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3178% | 7,338 |
| Loan loss allowance to noncurrent loans | 74.6888% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 6,494 |
| Noncurrent loans to loans | 0.4256% | 6,051 |
| Net loans and leases to total assets | 59.4352% | 4,391 |
| Net loans and leases to deposits | 71.2477% | 4,245 |
| Net loans and leases to core deposits | 84.3181% | 3,168 |
| Total domestic deposits to total assets | 83.4205% | 4,575 |
| Equity capital to assets | 15.9256% | 617 |
| Core capital (leverage) ratio | 15.9256% | 519 |
| Tier 1 risk-based capital ratio | 37.3223% | 296 |
| Total risk-based capital ratio | 37.7665% | 303 |
| Memoranda: | ||
| Average total assets | $93,665,670 | 5,145 |
| Average earning assets | $89,904,670 | 4,999 |
| Average equity | $14,969,000 | 3,911 |
| Average total loans | $57,107,330 | 5,081 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 5,006 |
| Cost of funding earning assets | 1.1669% | 3,047 |
| Net interest margin | 3.4202% | 5,352 |
| Noninterest income to average assets | 0.0344% | 7,204 |
| Noninterest expense to average assets | 2.3181% | 6,143 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6494% | 3,753 |
| Return on assets (ROA) | 0.6494% | 3,830 |
| Pretax return on assets | 1.0064% | 3,113 |
| Return on Equity (ROE) | 4.0563% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.0563% | 3,725 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7283% | 4,331 |
| Assets per employee ($millions) | 8.4485% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2921% | 7,409 |
| Loan loss allowance to noncurrent loans | 34.1564% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 5,931 |
| Noncurrent loans to loans | 0.8552% | 5,335 |
| Net loans and leases to total assets | 60.9723% | 4,085 |
| Net loans and leases to deposits | 73.2320% | 3,883 |
| Net loans and leases to core deposits | 87.0081% | 2,733 |
| Total domestic deposits to total assets | 83.2591% | 4,811 |
| Equity capital to assets | 16.1039% | 558 |
| Core capital (leverage) ratio | 16.1039% | 483 |
| Tier 1 risk-based capital ratio | 37.6551% | 284 |
| Total risk-based capital ratio | 38.0727% | 298 |
| Memoranda: | ||
| Average total assets | $93,009,000 | 5,206 |
| Average earning assets | $89,468,500 | 5,040 |
| Average equity | $14,890,500 | 3,921 |
| Average total loans | $57,345,500 | 5,118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 6,144 |
| Cost of funding earning assets | 1.3685% | 3,465 |
| Net interest margin | 3.2204% | 6,222 |
| Noninterest income to average assets | -0.0195% | 7,320 |
| Noninterest expense to average assets | 2.1952% | 6,625 |
| Loan and lease loss provision to assets | 0.0216% | 6,902 |
| Net operating income to assets | 0.5296% | 3,966 |
| Return on assets (ROA) | 0.5296% | 4,121 |
| Pretax return on assets | 0.8669% | 3,416 |
| Return on Equity (ROE) | 3.3589% | 4,804 |
| Retained earnings to average equity (ytd only) | 3.3589% | 3,515 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1882% | 3,954 |
| Assets per employee ($millions) | 8.4622% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2869% | 7,490 |
| Loan loss allowance to noncurrent loans | 34.0164% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 5,985 |
| Noncurrent loans to loans | 0.8434% | 5,370 |
| Net loans and leases to total assets | 61.9817% | 4,289 |
| Net loans and leases to deposits | 74.2717% | 4,148 |
| Net loans and leases to core deposits | 87.4312% | 3,129 |
| Total domestic deposits to total assets | 83.4526% | 4,628 |
| Equity capital to assets | 15.9157% | 596 |
| Core capital (leverage) ratio | 15.9157% | 522 |
| Tier 1 risk-based capital ratio | 37.0904% | 296 |
| Total risk-based capital ratio | 37.5059% | 306 |
| Memoranda: | ||
| Average total assets | $92,518,200 | 5,205 |
| Average earning assets | $89,150,600 | 5,047 |
| Average equity | $14,588,000 | 4,015 |
| Average total loans | $58,873,600 | 5,114 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 6,315 |
| Cost of funding earning assets | 1.3946% | 3,616 |
| Net interest margin | 3.2131% | 6,299 |
| Noninterest income to average assets | -0.0375% | 7,485 |
| Noninterest expense to average assets | 2.1953% | 6,616 |
| Loan and lease loss provision to assets | 0.0202% | 6,852 |
| Net operating income to assets | 0.4936% | 4,343 |
| Return on assets (ROA) | 0.4936% | 4,541 |
| Pretax return on assets | 0.8429% | 3,763 |
| Return on Equity (ROE) | 3.1380% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.1380% | 4,239 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7791% | 3,748 |
| Assets per employee ($millions) | 8.5057% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2742% | 7,604 |
| Loan loss allowance to noncurrent loans | 34.9241% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 6,194 |
| Noncurrent loans to loans | 0.7851% | 5,641 |
| Net loans and leases to total assets | 62.5824% | 4,414 |
| Net loans and leases to deposits | 74.8256% | 4,372 |
| Net loans and leases to core deposits | 87.8991% | 3,382 |
| Total domestic deposits to total assets | 83.6378% | 4,303 |
| Equity capital to assets | 15.6761% | 735 |
| Core capital (leverage) ratio | 15.6761% | 611 |
| Tier 1 risk-based capital ratio | 36.7042% | 313 |
| Total risk-based capital ratio | 37.1071% | 320 |
| Memoranda: | ||
| Average total assets | $92,376,750 | 5,277 |
| Average earning assets | $89,008,500 | 5,109 |
| Average equity | $14,531,250 | 4,091 |
| Average total loans | $59,126,750 | 5,181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 6,329 |
| Cost of funding earning assets | 1.4194% | 3,749 |
| Net interest margin | 3.2254% | 6,237 |
| Noninterest income to average assets | 0.0326% | 7,421 |
| Noninterest expense to average assets | 2.2026% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6327% | 3,721 |
| Return on assets (ROA) | 0.6327% | 3,859 |
| Pretax return on assets | 0.9328% | 3,377 |
| Return on Equity (ROE) | 4.0177% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.0177% | 3,524 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2497% | 4,143 |
| Assets per employee ($millions) | 8.4401% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2492% | 7,684 |
| Loan loss allowance to noncurrent loans | 78.6096% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 5,898 |
| Noncurrent loans to loans | 0.3170% | 6,592 |
| Net loans and leases to total assets | 63.3858% | 4,377 |
| Net loans and leases to deposits | 75.7228% | 4,375 |
| Net loans and leases to core deposits | 89.6841% | 3,316 |
| Total domestic deposits to total assets | 83.7076% | 4,241 |
| Equity capital to assets | 15.7430% | 717 |
| Core capital (leverage) ratio | 15.7430% | 603 |
| Tier 1 risk-based capital ratio | 36.3148% | 317 |
| Total risk-based capital ratio | 36.6801% | 330 |
| Memoranda: | ||
| Average total assets | $91,981,330 | 5,320 |
| Average earning assets | $88,486,330 | 5,156 |
| Average equity | $14,486,000 | 4,089 |
| Average total loans | $59,264,000 | 5,214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 6,103 |
| Cost of funding earning assets | 1.4356% | 3,958 |
| Net interest margin | 3.3074% | 5,944 |
| Noninterest income to average assets | 0.0262% | 7,576 |
| Noninterest expense to average assets | 2.2545% | 6,528 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7602% | 3,155 |
| Return on assets (ROA) | 0.7602% | 3,264 |
| Pretax return on assets | 0.9525% | 3,254 |
| Return on Equity (ROE) | 4.8263% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.8263% | 3,253 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2997% | 4,245 |
| Assets per employee ($millions) | 8.3446% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2486% | 7,790 |
| Loan loss allowance to noncurrent loans | 612.5000% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 6,305 |
| Noncurrent loans to loans | 0.0406% | 7,310 |
| Net loans and leases to total assets | 64.2536% | 4,278 |
| Net loans and leases to deposits | 76.7836% | 4,262 |
| Net loans and leases to core deposits | 91.4587% | 3,177 |
| Total domestic deposits to total assets | 83.6814% | 4,310 |
| Equity capital to assets | 15.8055% | 698 |
| Core capital (leverage) ratio | 15.7972% | 613 |
| Tier 1 risk-based capital ratio | 36.1454% | 327 |
| Total risk-based capital ratio | 36.5119% | 342 |
| Memoranda: | ||
| Average total assets | $91,551,500 | 5,400 |
| Average earning assets | $88,044,500 | 5,240 |
| Average equity | $14,421,000 | 4,142 |
| Average total loans | $59,398,500 | 5,275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0179% | 6,374 |
| Cost of funding earning assets | 2.0710% | 2,623 |
| Net interest margin | 2.9469% | 6,764 |
| Noninterest income to average assets | 0.0479% | 7,512 |
| Noninterest expense to average assets | 2.3414% | 6,626 |
| Loan and lease loss provision to assets | 0.0816% | 6,793 |
| Net operating income to assets | 0.3242% | 4,434 |
| Return on assets (ROA) | 0.3242% | 4,521 |
| Pretax return on assets | 0.4766% | 4,259 |
| Return on Equity (ROE) | 2.1027% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.1027% | 3,635 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7505% | 2,780 |
| Assets per employee ($millions) | 8.3011% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2464% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 6,350 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.1875% | 4,342 |
| Net loans and leases to deposits | 77.8275% | 4,414 |
| Net loans and leases to core deposits | 120.4427% | 1,919 |
| Total domestic deposits to total assets | 83.7590% | 4,152 |
| Equity capital to assets | 15.6978% | 743 |
| Core capital (leverage) ratio | 15.6895% | 664 |
| Tier 1 risk-based capital ratio | 35.3154% | 335 |
| Total risk-based capital ratio | 35.6778% | 348 |
| Memoranda: | ||
| Average total assets | $91,909,600 | 5,337 |
| Average earning assets | $88,941,800 | 5,157 |
| Average equity | $14,172,200 | 4,217 |
| Average total loans | $59,999,000 | 5,250 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 6,429 |
| Cost of funding earning assets | 2.2146% | 2,338 |
| Net interest margin | 2.8422% | 6,983 |
| Noninterest income to average assets | 0.0492% | 7,653 |
| Noninterest expense to average assets | 2.3636% | 6,519 |
| Loan and lease loss provision to assets | 0.1086% | 6,287 |
| Net operating income to assets | 0.1926% | 5,185 |
| Return on assets (ROA) | 0.1926% | 5,259 |
| Pretax return on assets | 0.3317% | 4,976 |
| Return on Equity (ROE) | 1.2548% | 5,417 |
| Retained earnings to average equity (ytd only) | 1.2548% | 4,622 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2975% | 2,262 |
| Assets per employee ($millions) | 8.3520% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2468% | 7,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 6,354 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.6671% | 4,717 |
| Net loans and leases to deposits | 77.1221% | 4,879 |
| Net loans and leases to core deposits | 117.1584% | 2,512 |
| Total domestic deposits to total assets | 83.8504% | 3,792 |
| Equity capital to assets | 15.4367% | 902 |
| Core capital (leverage) ratio | 15.4164% | 784 |
| Tier 1 risk-based capital ratio | 35.0729% | 379 |
| Total risk-based capital ratio | 35.4370% | 395 |
| Memoranda: | ||
| Average total assets | $92,059,000 | 5,364 |
| Average earning assets | $89,224,000 | 5,188 |
| Average equity | $14,131,750 | 4,260 |
| Average total loans | $60,081,000 | 5,283 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 6,296 |
| Cost of funding earning assets | 2.3124% | 2,307 |
| Net interest margin | 2.8228% | 6,971 |
| Noninterest income to average assets | 0.0586% | 7,695 |
| Noninterest expense to average assets | 2.2362% | 6,960 |
| Loan and lease loss provision to assets | 0.1389% | 5,683 |
| Net operating income to assets | 0.4212% | 4,419 |
| Return on assets (ROA) | 0.4212% | 4,525 |
| Pretax return on assets | 0.4212% | 4,873 |
| Return on Equity (ROE) | 2.7488% | 4,997 |
| Retained earnings to average equity (ytd only) | 2.7488% | 3,800 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9689% | 3,049 |
| Assets per employee ($millions) | 8.4135% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2260% | 8,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 6,362 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.8683% | 4,790 |
| Net loans and leases to deposits | 77.0895% | 5,020 |
| Net loans and leases to core deposits | 117.8682% | 2,551 |
| Total domestic deposits to total assets | 84.1468% | 3,680 |
| Equity capital to assets | 15.3659% | 956 |
| Core capital (leverage) ratio | 15.3659% | 844 |
| Tier 1 risk-based capital ratio | 34.9625% | 418 |
| Total risk-based capital ratio | 35.2969% | 436 |
| Memoranda: | ||
| Average total assets | $92,121,330 | 5,403 |
| Average earning assets | $89,343,000 | 5,222 |
| Average equity | $14,115,000 | 4,279 |
| Average total loans | $60,255,330 | 5,317 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 6,517 |
| Cost of funding earning assets | 2.3850% | 2,355 |
| Net interest margin | 2.7571% | 7,079 |
| Noninterest income to average assets | 0.0609% | 7,766 |
| Noninterest expense to average assets | 2.2066% | 6,853 |
| Loan and lease loss provision to assets | 0.2263% | 4,184 |
| Net operating income to assets | 0.3047% | 5,280 |
| Return on assets (ROA) | 0.3047% | 5,452 |
| Pretax return on assets | 0.3047% | 5,671 |
| Return on Equity (ROE) | 1.9912% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.9912% | 4,751 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6041% | 2,723 |
| Assets per employee ($millions) | 8.2152% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2415% | 8,075 |
| Loan loss allowance to noncurrent loans | 34.7722% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 6,102 |
| Noncurrent loans to loans | 0.6946% | 5,670 |
| Net loans and leases to total assets | 66.2764% | 4,520 |
| Net loans and leases to deposits | 78.9528% | 4,779 |
| Net loans and leases to core deposits | 121.3273% | 2,305 |
| Total domestic deposits to total assets | 83.9444% | 3,740 |
| Equity capital to assets | 15.5997% | 950 |
| Core capital (leverage) ratio | 15.5997% | 845 |
| Tier 1 risk-based capital ratio | 35.2487% | 429 |
| Total risk-based capital ratio | 35.6112% | 446 |
| Memoranda: | ||
| Average total assets | $91,907,500 | 5,425 |
| Average earning assets | $89,225,000 | 5,249 |
| Average equity | $14,062,000 | 4,315 |
| Average total loans | $60,297,500 | 5,351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 7,650 |
| Cost of funding earning assets | 2.9956% | 1,882 |
| Net interest margin | 2.2485% | 7,938 |
| Noninterest income to average assets | 0.0976% | 7,645 |
| Noninterest expense to average assets | 2.1092% | 7,216 |
| Loan and lease loss provision to assets | 0.0147% | 7,193 |
| Net operating income to assets | 0.0204% | 6,314 |
| Return on assets (ROA) | 0.0204% | 6,168 |
| Pretax return on assets | 0.1588% | 5,820 |
| Return on Equity (ROE) | 0.1260% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.1260% | 5,158 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3956% | 1,360 |
| Assets per employee ($millions) | 8.4953% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1536% | 8,191 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 7,477 |
| Noncurrent loans to loans | 0.0446% | 7,328 |
| Net loans and leases to total assets | 64.7044% | 5,126 |
| Net loans and leases to deposits | 76.5564% | 5,522 |
| Net loans and leases to core deposits | 113.7736% | 3,366 |
| Total domestic deposits to total assets | 84.5187% | 3,066 |
| Equity capital to assets | 15.0105% | 1,158 |
| Core capital (leverage) ratio | 15.0105% | 1,030 |
| Tier 1 risk-based capital ratio | 34.7186% | 454 |
| Total risk-based capital ratio | 34.9488% | 478 |
| Memoranda: | ||
| Average total assets | $88,137,800 | 5,413 |
| Average earning assets | $85,658,600 | 5,244 |
| Average equity | $14,280,800 | 4,272 |
| Average total loans | $57,355,600 | 5,390 |