Home > Central Savings, f.s.b. > Performance and Condition Ratios
Central Savings, f.s.b., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 917 |
| Cost of funding earning assets | 1.1751% | 2,868 |
| Net interest margin | 4.5334% | 581 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 3.7443% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4451% | 3,777 |
| Return on assets (ROA) | 0.4451% | 3,780 |
| Pretax return on assets | 0.6939% | 3,452 |
| Return on Equity (ROE) | 1.6600% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.6575% | 3,664 |
| 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 | 83.1541% | 710 |
| Assets per employee ($millions) | 4.9563% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 901 |
| Loan loss allowance to noncurrent loans | 247.1380% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 1,025 |
| Noncurrent loans to loans | 0.6349% | 1,245 |
| Net loans and leases to total assets | 84.4500% | 242 |
| Net loans and leases to deposits | 122.6842% | 70 |
| Net loans and leases to core deposits | 169.2701% | 120 |
| Total domestic deposits to total assets | 68.8400% | 4,325 |
| Equity capital to assets | 26.4211% | 178 |
| Core capital (leverage) ratio | 26.4442% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1605% | 187 |
| Memoranda: | ||
| Average total assets | $106,936,200 | 3,764 |
| Average earning assets | $103,057,400 | 3,713 |
| Average equity | $28,718,200 | 2,333 |
| Average total loans | $92,001,600 | 3,262 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5478% | 959 |
| Cost of funding earning assets | 1.0578% | 2,870 |
| Net interest margin | 4.4900% | 626 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 3.3473% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7056% | 3,314 |
| Return on assets (ROA) | 0.7056% | 3,291 |
| Pretax return on assets | 1.0339% | 2,760 |
| Return on Equity (ROE) | 2.6200% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.6159% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.5149% | 1,225 |
| Assets per employee ($millions) | 4.8275% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 799 |
| Loan loss allowance to noncurrent loans | 147.0010% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9576% | 557 |
| Noncurrent loans to loans | 1.1173% | 702 |
| Net loans and leases to total assets | 84.3000% | 257 |
| Net loans and leases to deposits | 118.1324% | 96 |
| Net loans and leases to core deposits | 158.4276% | 112 |
| Total domestic deposits to total assets | 71.3600% | 4,277 |
| Equity capital to assets | 27.2078% | 177 |
| Core capital (leverage) ratio | 26.4520% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3936% | 179 |
| Memoranda: | ||
| Average total assets | $106,390,500 | 3,788 |
| Average earning assets | $102,476,250 | 3,734 |
| Average equity | $28,695,500 | 2,310 |
| Average total loans | $91,613,000 | 3,270 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 820 |
| Cost of funding earning assets | 0.9480% | 2,783 |
| Net interest margin | 4.5608% | 569 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 3.0229% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9976% | 2,427 |
| Return on assets (ROA) | 0.9976% | 2,421 |
| Pretax return on assets | 1.4204% | 1,762 |
| Return on Equity (ROE) | 3.7100% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.7096% | 3,281 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6956% | 2,015 |
| Assets per employee ($millions) | 4.8645% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 875 |
| Loan loss allowance to noncurrent loans | 190.9323% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 701 |
| Noncurrent loans to loans | 0.8547% | 893 |
| Net loans and leases to total assets | 84.2000% | 260 |
| Net loans and leases to deposits | 116.8374% | 117 |
| Net loans and leases to core deposits | 157.7039% | 110 |
| Total domestic deposits to total assets | 72.0700% | 4,289 |
| Equity capital to assets | 26.9707% | 174 |
| Core capital (leverage) ratio | 26.3323% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4669% | 170 |
| Memoranda: | ||
| Average total assets | $106,452,333 | 3,802 |
| Average earning assets | $102,526,667 | 3,753 |
| Average equity | $28,628,667 | 2,328 |
| Average total loans | $91,809,333 | 3,275 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 892 |
| Cost of funding earning assets | 0.8330% | 2,588 |
| Net interest margin | 4.4154% | 664 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 3.0367% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9080% | 2,822 |
| Return on assets (ROA) | 0.9080% | 2,782 |
| Pretax return on assets | 1.2923% | 2,198 |
| Return on Equity (ROE) | 3.3800% | 4,131 |
| Retained earnings to average equity (ytd only) | 3.3812% | 3,414 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.7998% | 1,766 |
| Assets per employee ($millions) | 5.0442% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 919 |
| Loan loss allowance to noncurrent loans | 155.5671% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 489 |
| Noncurrent loans to loans | 1.0579% | 685 |
| Net loans and leases to total assets | 84.3500% | 212 |
| Net loans and leases to deposits | 116.5265% | 111 |
| Net loans and leases to core deposits | 156.3850% | 102 |
| Total domestic deposits to total assets | 72.3900% | 4,346 |
| Equity capital to assets | 26.9747% | 136 |
| Core capital (leverage) ratio | 25.7119% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0145% | 180 |
| Memoranda: | ||
| Average total assets | $106,168,500 | 3,856 |
| Average earning assets | $102,279,000 | 3,800 |
| Average equity | $28,511,000 | 2,360 |
| Average total loans | $91,910,500 | 3,305 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 1,502 |
| Cost of funding earning assets | 0.4804% | 1,529 |
| Net interest margin | 3.6073% | 1,626 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 3.2203% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2002% | 4,450 |
| Return on assets (ROA) | 0.2002% | 4,430 |
| Pretax return on assets | 0.3008% | 4,378 |
| Return on Equity (ROE) | 0.7800% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.7849% | 4,236 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 91.1015% | 276 |
| Assets per employee ($millions) | 4.8367% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 1,371 |
| Loan loss allowance to noncurrent loans | 137.8991% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 486 |
| Noncurrent loans to loans | 1.0443% | 696 |
| Net loans and leases to total assets | 86.1200% | 150 |
| Net loans and leases to deposits | 118.3098% | 79 |
| Net loans and leases to core deposits | 155.9398% | 81 |
| Total domestic deposits to total assets | 72.7900% | 4,402 |
| Equity capital to assets | 26.7348% | 135 |
| Core capital (leverage) ratio | 24.6673% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4676% | 187 |
| Memoranda: | ||
| Average total assets | $111,387,000 | 3,817 |
| Average earning assets | $107,615,800 | 3,754 |
| Average equity | $28,410,400 | 2,408 |
| Average total loans | $89,318,600 | 3,297 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 1,672 |
| Cost of funding earning assets | 0.4568% | 951 |
| Net interest margin | 3.3676% | 2,076 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 2.6493% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4368% | 4,185 |
| Return on assets (ROA) | 0.4368% | 4,131 |
| Pretax return on assets | 0.6333% | 3,928 |
| Return on Equity (ROE) | 1.7300% | 4,423 |
| Retained earnings to average equity (ytd only) | 1.7323% | 4,077 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.3823% | 754 |
| Assets per employee ($millions) | 5.0141% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 1,421 |
| Loan loss allowance to noncurrent loans | 137.7572% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 550 |
| Noncurrent loans to loans | 1.0606% | 714 |
| Net loans and leases to total assets | 81.8700% | 383 |
| Net loans and leases to deposits | 111.2766% | 113 |
| Net loans and leases to core deposits | 144.7524% | 83 |
| Total domestic deposits to total assets | 73.5700% | 4,462 |
| Equity capital to assets | 25.9215% | 134 |
| Core capital (leverage) ratio | 24.6065% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8134% | 182 |
| Memoranda: | ||
| Average total assets | $112,631,750 | 3,829 |
| Average earning assets | $108,878,750 | 3,764 |
| Average equity | $28,401,000 | 2,440 |
| Average total loans | $88,404,000 | 3,323 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 1,716 |
| Cost of funding earning assets | 0.4595% | 658 |
| Net interest margin | 3.1820% | 2,247 |
| Noninterest income to average assets | 0.0229% | 4,698 |
| Noninterest expense to average assets | 2.5219% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4003% | 4,104 |
| Return on assets (ROA) | 0.4003% | 4,056 |
| Pretax return on assets | 0.5785% | 3,854 |
| Return on Equity (ROE) | 1.6022% | 4,393 |
| Retained earnings to average equity (ytd only) | 1.6022% | 3,855 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0011% | 874 |
| Assets per employee ($millions) | 5.0160% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,263 |
| Loan loss allowance to noncurrent loans | 134.0340% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 554 |
| Noncurrent loans to loans | 1.1595% | 694 |
| Net loans and leases to total assets | 76.8649% | 648 |
| Net loans and leases to deposits | 104.1540% | 164 |
| Net loans and leases to core deposits | 138.1511% | 84 |
| Total domestic deposits to total assets | 73.7993% | 4,540 |
| Equity capital to assets | 25.7829% | 88 |
| Core capital (leverage) ratio | 24.2360% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9608% | 131 |
| Memoranda: | ||
| Average total assets | $113,405,667 | 3,861 |
| Average earning assets | $109,680,000 | 3,808 |
| Average equity | $28,336,667 | 2,506 |
| Average total loans | $87,322,000 | 3,362 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 1,599 |
| Cost of funding earning assets | 0.4783% | 553 |
| Net interest margin | 3.0891% | 2,210 |
| Noninterest income to average assets | 0.0244% | 4,715 |
| Noninterest expense to average assets | 2.4710% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3759% | 4,005 |
| Return on assets (ROA) | 0.3759% | 3,970 |
| Pretax return on assets | 0.5429% | 3,775 |
| Return on Equity (ROE) | 1.5276% | 4,341 |
| Retained earnings to average equity (ytd only) | 1.5276% | 3,682 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6397% | 1,017 |
| Assets per employee ($millions) | 5.0102% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 1,449 |
| Loan loss allowance to noncurrent loans | 206.0000% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 1,065 |
| Noncurrent loans to loans | 0.7442% | 1,281 |
| Net loans and leases to total assets | 74.6327% | 604 |
| Net loans and leases to deposits | 105.5614% | 104 |
| Net loans and leases to core deposits | 140.9469% | 60 |
| Total domestic deposits to total assets | 70.7007% | 4,650 |
| Equity capital to assets | 24.5871% | 91 |
| Core capital (leverage) ratio | 23.8643% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4703% | 137 |
| Memoranda: | ||
| Average total assets | $114,932,500 | 3,865 |
| Average earning assets | $111,231,000 | 3,805 |
| Average equity | $28,279,000 | 2,582 |
| Average total loans | $87,902,500 | 3,360 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 1,626 |
| Cost of funding earning assets | 0.6416% | 443 |
| Net interest margin | 3.2548% | 2,449 |
| Noninterest income to average assets | 0.0729% | 4,673 |
| Noninterest expense to average assets | 2.9322% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1796% | 4,555 |
| Return on assets (ROA) | 0.1796% | 4,570 |
| Pretax return on assets | 0.2838% | 4,506 |
| Return on Equity (ROE) | 0.7340% | 4,627 |
| Retained earnings to average equity (ytd only) | 0.7340% | 4,322 |
| Net charge-offs to loans | 0.0130% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 27.2500% | 1,682 |
| Efficiency ratio | 90.8257% | 303 |
| Assets per employee ($millions) | 5.2105% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 1,501 |
| Loan loss allowance to noncurrent loans | 144.9134% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 744 |
| Noncurrent loans to loans | 1.0445% | 943 |
| Net loans and leases to total assets | 76.0045% | 523 |
| Net loans and leases to deposits | 107.6908% | 95 |
| Net loans and leases to core deposits | 142.8239% | 61 |
| Total domestic deposits to total assets | 70.5766% | 4,674 |
| Equity capital to assets | 24.6227% | 97 |
| Core capital (leverage) ratio | 23.5984% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2248% | 167 |
| Memoranda: | ||
| Average total assets | $115,237,400 | 3,851 |
| Average earning assets | $111,281,600 | 3,797 |
| Average equity | $28,203,400 | 2,638 |
| Average total loans | $92,661,400 | 3,297 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 1,955 |
| Cost of funding earning assets | 0.6752% | 441 |
| Net interest margin | 3.1532% | 2,886 |
| Noninterest income to average assets | 0.0890% | 4,707 |
| Noninterest expense to average assets | 2.5721% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3767% | 4,411 |
| Return on assets (ROA) | 0.3767% | 4,442 |
| Pretax return on assets | 0.5604% | 4,282 |
| Return on Equity (ROE) | 1.5414% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.5414% | 4,305 |
| Net charge-offs to loans | 0.0199% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 34.6429% | 1,452 |
| Efficiency ratio | 81.7411% | 647 |
| Assets per employee ($millions) | 5.2016% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,838 |
| Loan loss allowance to noncurrent loans | 50.7593% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 2.3017% | 145 |
| Noncurrent loans to loans | 2.8431% | 238 |
| Net loans and leases to total assets | 79.7896% | 304 |
| Net loans and leases to deposits | 113.5192% | 72 |
| Net loans and leases to core deposits | 149.2985% | 61 |
| Total domestic deposits to total assets | 70.2873% | 4,725 |
| Equity capital to assets | 24.7684% | 100 |
| Core capital (leverage) ratio | 23.6350% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1171% | 180 |
| Memoranda: | ||
| Average total assets | $115,389,250 | 3,895 |
| Average earning assets | $111,374,750 | 3,839 |
| Average equity | $28,198,000 | 2,667 |
| Average total loans | $93,711,000 | 3,324 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 2,319 |
| Cost of funding earning assets | 0.7292% | 399 |
| Net interest margin | 2.9740% | 3,383 |
| Noninterest income to average assets | 0.1210% | 4,593 |
| Noninterest expense to average assets | 2.3801% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4079% | 4,370 |
| Return on assets (ROA) | 0.4079% | 4,410 |
| Pretax return on assets | 0.6102% | 4,216 |
| Return on Equity (ROE) | 1.6768% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.6768% | 4,196 |
| Net charge-offs to loans | 0.0213% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 35.3000% | 1,230 |
| Efficiency ratio | 79.1908% | 837 |
| Assets per employee ($millions) | 5.1800% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,733 |
| Loan loss allowance to noncurrent loans | 31.6647% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 3.7162% | 62 |
| Noncurrent loans to loans | 4.6038% | 100 |
| Net loans and leases to total assets | 79.5437% | 342 |
| Net loans and leases to deposits | 113.3780% | 81 |
| Net loans and leases to core deposits | 149.3599% | 69 |
| Total domestic deposits to total assets | 70.1580% | 4,753 |
| Equity capital to assets | 24.7929% | 95 |
| Core capital (leverage) ratio | 23.4611% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2243% | 201 |
| Memoranda: | ||
| Average total assets | $115,707,000 | 3,906 |
| Average earning assets | $111,632,667 | 3,843 |
| Average equity | $28,149,333 | 2,662 |
| Average total loans | $94,066,333 | 3,336 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 2,285 |
| Cost of funding earning assets | 0.7754% | 399 |
| Net interest margin | 2.9558% | 3,365 |
| Noninterest income to average assets | 0.1990% | 4,193 |
| Noninterest expense to average assets | 2.4292% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4186% | 4,329 |
| Return on assets (ROA) | 0.4186% | 4,359 |
| Pretax return on assets | 0.6210% | 4,163 |
| Return on Equity (ROE) | 1.7368% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.7368% | 4,067 |
| Net charge-offs to loans | -0.0084% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3026% | 865 |
| Assets per employee ($millions) | 5.0127% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,934 |
| Loan loss allowance to noncurrent loans | 29.5221% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 3.9751% | 59 |
| Noncurrent loans to loans | 4.7589% | 89 |
| Net loans and leases to total assets | 82.3570% | 212 |
| Net loans and leases to deposits | 114.8249% | 101 |
| Net loans and leases to core deposits | 157.0736% | 66 |
| Total domestic deposits to total assets | 71.7240% | 4,723 |
| Equity capital to assets | 24.4067% | 102 |
| Core capital (leverage) ratio | 23.2305% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7000% | 221 |
| Memoranda: | ||
| Average total assets | $116,580,500 | 3,896 |
| Average earning assets | $112,456,500 | 3,835 |
| Average equity | $28,097,000 | 2,663 |
| Average total loans | $95,105,000 | 3,336 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 2,476 |
| Cost of funding earning assets | 0.9200% | 805 |
| Net interest margin | 3.1620% | 3,460 |
| Noninterest income to average assets | 0.1932% | 4,320 |
| Noninterest expense to average assets | 2.9568% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1819% | 4,596 |
| Return on assets (ROA) | 0.1819% | 4,651 |
| Pretax return on assets | 0.2833% | 4,568 |
| Return on Equity (ROE) | 0.7410% | 4,704 |
| Retained earnings to average equity (ytd only) | 0.7410% | 4,305 |
| Net charge-offs to loans | -0.0085% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5828% | 359 |
| Assets per employee ($millions) | 4.9112% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 1,819 |
| Loan loss allowance to noncurrent loans | 17.9774% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 6.3757% | 24 |
| Noncurrent loans to loans | 8.0027% | 35 |
| Net loans and leases to total assets | 78.5236% | 550 |
| Net loans and leases to deposits | 108.5282% | 181 |
| Net loans and leases to core deposits | 153.4451% | 78 |
| Total domestic deposits to total assets | 72.3532% | 4,698 |
| Equity capital to assets | 23.8018% | 109 |
| Core capital (leverage) ratio | 23.4267% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0109% | 217 |
| Memoranda: | ||
| Average total assets | $114,379,200 | 3,818 |
| Average earning assets | $110,216,400 | 3,767 |
| Average equity | $28,069,200 | 2,595 |
| Average total loans | $94,254,600 | 3,335 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,403 |
| Cost of funding earning assets | 0.9535% | 894 |
| Net interest margin | 3.2459% | 3,346 |
| Noninterest income to average assets | 0.1010% | 4,759 |
| Noninterest expense to average assets | 2.8426% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2760% | 4,485 |
| Return on assets (ROA) | 0.2760% | 4,527 |
| Pretax return on assets | 0.3853% | 4,450 |
| Return on Equity (ROE) | 1.1161% | 4,687 |
| Retained earnings to average equity (ytd only) | 1.1161% | 4,217 |
| Net charge-offs to loans | -0.0085% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3726% | 443 |
| Assets per employee ($millions) | 4.6466% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,543 |
| Loan loss allowance to noncurrent loans | 20.8340% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 5.5740% | 46 |
| Noncurrent loans to loans | 6.9500% | 56 |
| Net loans and leases to total assets | 79.0408% | 705 |
| Net loans and leases to deposits | 110.2960% | 223 |
| Net loans and leases to core deposits | 156.8503% | 93 |
| Total domestic deposits to total assets | 71.6625% | 4,691 |
| Equity capital to assets | 24.2622% | 108 |
| Core capital (leverage) ratio | 23.4475% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5464% | 210 |
| Memoranda: | ||
| Average total assets | $113,506,750 | 3,820 |
| Average earning assets | $109,345,250 | 3,768 |
| Average equity | $28,072,750 | 2,592 |
| Average total loans | $94,341,750 | 3,342 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,474 |
| Cost of funding earning assets | 0.9609% | 1,105 |
| Net interest margin | 3.3381% | 3,276 |
| Noninterest income to average assets | 0.1030% | 4,771 |
| Noninterest expense to average assets | 2.8219% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3552% | 4,321 |
| Return on assets (ROA) | 0.3552% | 4,376 |
| Pretax return on assets | 0.4955% | 4,259 |
| Return on Equity (ROE) | 1.4268% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.4268% | 3,963 |
| Net charge-offs to loans | -0.0084% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3683% | 620 |
| Assets per employee ($millions) | 4.7743% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,506 |
| Loan loss allowance to noncurrent loans | 70.0832% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.6103% | 548 |
| Noncurrent loans to loans | 2.0319% | 657 |
| Net loans and leases to total assets | 78.1203% | 831 |
| Net loans and leases to deposits | 107.8665% | 271 |
| Net loans and leases to core deposits | 158.1526% | 83 |
| Total domestic deposits to total assets | 72.4231% | 4,691 |
| Equity capital to assets | 23.5956% | 114 |
| Core capital (leverage) ratio | 23.7801% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8860% | 217 |
| Memoranda: | ||
| Average total assets | $112,621,000 | 3,825 |
| Average earning assets | $108,443,333 | 3,763 |
| Average equity | $28,035,667 | 2,581 |
| Average total loans | $94,733,667 | 3,320 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 2,083 |
| Cost of funding earning assets | 0.9710% | 1,558 |
| Net interest margin | 3.6023% | 2,658 |
| Noninterest income to average assets | 0.1098% | 4,789 |
| Noninterest expense to average assets | 3.0059% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4064% | 4,121 |
| Return on assets (ROA) | 0.4064% | 4,160 |
| Pretax return on assets | 0.5675% | 3,986 |
| Return on Equity (ROE) | 1.5873% | 4,527 |
| Retained earnings to average equity (ytd only) | 1.5873% | 3,576 |
| Net charge-offs to loans | -0.0084% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5041% | 863 |
| Assets per employee ($millions) | 4.4291% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,632 |
| Loan loss allowance to noncurrent loans | 87.1114% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3944% | 805 |
| Noncurrent loans to loans | 1.6305% | 948 |
| Net loans and leases to total assets | 84.3074% | 246 |
| Net loans and leases to deposits | 113.7400% | 137 |
| Net loans and leases to core deposits | 162.8423% | 73 |
| Total domestic deposits to total assets | 74.1228% | 4,652 |
| Equity capital to assets | 25.3244% | 108 |
| Core capital (leverage) ratio | 24.4607% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4090% | 224 |
| Memoranda: | ||
| Average total assets | $109,253,000 | 3,854 |
| Average earning assets | $105,043,500 | 3,801 |
| Average equity | $27,972,000 | 2,577 |
| Average total loans | $94,806,000 | 3,304 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 1,976 |
| Cost of funding earning assets | 0.8971% | 2,201 |
| Net interest margin | 3.9264% | 2,082 |
| Noninterest income to average assets | 0.0854% | 4,960 |
| Noninterest expense to average assets | 3.2382% | 1,430 |
| Loan and lease loss provision to assets | -0.0459% | 5,013 |
| Net operating income to assets | 0.4336% | 4,536 |
| Return on assets (ROA) | 0.4336% | 4,568 |
| Pretax return on assets | 0.6486% | 4,327 |
| Return on Equity (ROE) | 1.7026% | 4,833 |
| Retained earnings to average equity (ytd only) | 1.7026% | 4,122 |
| Net charge-offs to loans | 0.0869% | 1,879 |
| Credit loss provision to net charge-offs | -60.9756% | 4,183 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,815 |
| Efficiency ratio | 83.5207% | 690 |
| Assets per employee ($millions) | 4.4908% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,472 |
| Loan loss allowance to noncurrent loans | 82.4432% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 666 |
| Noncurrent loans to loans | 1.7163% | 800 |
| Net loans and leases to total assets | 86.8193% | 128 |
| Net loans and leases to deposits | 124.2587% | 63 |
| Net loans and leases to core deposits | 159.1486% | 81 |
| Total domestic deposits to total assets | 69.8698% | 4,942 |
| Equity capital to assets | 25.8891% | 114 |
| Core capital (leverage) ratio | 25.4567% | 116 |
| Tier 1 risk-based capital ratio | 31.9025% | 420 |
| Total risk-based capital ratio | 33.1585% | 409 |
| Memoranda: | ||
| Average total assets | $108,856,600 | 3,847 |
| Average earning assets | $104,115,400 | 3,802 |
| Average equity | $27,722,200 | 2,511 |
| Average total loans | $94,379,000 | 3,309 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 1,844 |
| Cost of funding earning assets | 0.8966% | 2,247 |
| Net interest margin | 3.9959% | 1,955 |
| Noninterest income to average assets | 0.0782% | 5,050 |
| Noninterest expense to average assets | 2.8859% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7111% | 3,977 |
| Return on assets (ROA) | 0.7111% | 4,048 |
| Pretax return on assets | 1.0092% | 3,569 |
| Return on Equity (ROE) | 2.8037% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.8037% | 3,972 |
| Net charge-offs to loans | -0.0085% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3689% | 1,653 |
| Assets per employee ($millions) | 4.3155% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 920 |
| Loan loss allowance to noncurrent loans | 179.5152% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 1,733 |
| Noncurrent loans to loans | 0.9148% | 1,749 |
| Net loans and leases to total assets | 85.6467% | 213 |
| Net loans and leases to deposits | 118.8101% | 101 |
| Net loans and leases to core deposits | 148.4743% | 132 |
| Total domestic deposits to total assets | 72.0871% | 4,913 |
| Equity capital to assets | 27.0556% | 100 |
| Core capital (leverage) ratio | 25.0195% | 120 |
| Tier 1 risk-based capital ratio | 33.6713% | 381 |
| Total risk-based capital ratio | 34.9295% | 376 |
| Memoranda: | ||
| Average total assets | $109,126,000 | 3,886 |
| Average earning assets | $104,237,000 | 3,843 |
| Average equity | $27,677,000 | 2,527 |
| Average total loans | $94,244,750 | 3,349 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 2,158 |
| Cost of funding earning assets | 0.8770% | 2,263 |
| Net interest margin | 3.8936% | 2,256 |
| Noninterest income to average assets | 0.0613% | 5,134 |
| Noninterest expense to average assets | 2.8312% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6524% | 4,159 |
| Return on assets (ROA) | 0.6524% | 4,209 |
| Pretax return on assets | 0.9425% | 3,731 |
| Return on Equity (ROE) | 2.6268% | 4,856 |
| Retained earnings to average equity (ytd only) | 2.6268% | 3,884 |
| Net charge-offs to loans | -0.0084% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3553% | 1,600 |
| Assets per employee ($millions) | 4.3787% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,052 |
| Loan loss allowance to noncurrent loans | 115.4567% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 1,152 |
| Noncurrent loans to loans | 1.3755% | 1,130 |
| Net loans and leases to total assets | 83.7220% | 383 |
| Net loans and leases to deposits | 113.3164% | 157 |
| Net loans and leases to core deposits | 144.0191% | 168 |
| Total domestic deposits to total assets | 73.8835% | 4,844 |
| Equity capital to assets | 25.3702% | 117 |
| Core capital (leverage) ratio | 24.0212% | 135 |
| Tier 1 risk-based capital ratio | 31.9835% | 418 |
| Total risk-based capital ratio | 33.2424% | 413 |
| Memoranda: | ||
| Average total assets | $110,977,330 | 3,887 |
| Average earning assets | $105,813,330 | 3,848 |
| Average equity | $27,562,000 | 2,531 |
| Average total loans | $95,597,330 | 3,346 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 2,329 |
| Cost of funding earning assets | 0.8782% | 2,108 |
| Net interest margin | 3.7880% | 2,575 |
| Noninterest income to average assets | 0.0322% | 5,257 |
| Noninterest expense to average assets | 2.6742% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6838% | 3,993 |
| Return on assets (ROA) | 0.6838% | 4,031 |
| Pretax return on assets | 0.9559% | 3,602 |
| Return on Equity (ROE) | 2.7825% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.7825% | 3,827 |
| Net charge-offs to loans | -0.0083% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9783% | 1,887 |
| Assets per employee ($millions) | 4.3792% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,240 |
| Loan loss allowance to noncurrent loans | 82.3300% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 683 |
| Noncurrent loans to loans | 1.8588% | 823 |
| Net loans and leases to total assets | 86.8085% | 153 |
| Net loans and leases to deposits | 116.8677% | 119 |
| Net loans and leases to core deposits | 147.0266% | 137 |
| Total domestic deposits to total assets | 74.2793% | 4,909 |
| Equity capital to assets | 25.1891% | 112 |
| Core capital (leverage) ratio | 23.4473% | 143 |
| Tier 1 risk-based capital ratio | 30.5918% | 454 |
| Total risk-based capital ratio | 31.8485% | 446 |
| Memoranda: | ||
| Average total assets | $111,732,500 | 3,909 |
| Average earning assets | $106,123,500 | 3,881 |
| Average equity | $27,457,000 | 2,549 |
| Average total loans | $96,832,500 | 3,369 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 2,827 |
| Cost of funding earning assets | 0.7571% | 1,749 |
| Net interest margin | 3.6221% | 3,306 |
| Noninterest income to average assets | 0.0256% | 5,312 |
| Noninterest expense to average assets | 2.9223% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3908% | 4,876 |
| Return on assets (ROA) | 0.3908% | 4,871 |
| Pretax return on assets | 0.5606% | 4,704 |
| Return on Equity (ROE) | 1.6839% | 5,082 |
| Retained earnings to average equity (ytd only) | 1.6839% | 4,473 |
| Net charge-offs to loans | -0.0308% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5620% | 684 |
| Assets per employee ($millions) | 4.5594% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 1,233 |
| Loan loss allowance to noncurrent loans | 69.4444% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8634% | 538 |
| Noncurrent loans to loans | 2.1863% | 592 |
| Net loans and leases to total assets | 83.9365% | 419 |
| Net loans and leases to deposits | 111.1389% | 223 |
| Net loans and leases to core deposits | 141.7554% | 182 |
| Total domestic deposits to total assets | 75.5240% | 4,809 |
| Equity capital to assets | 23.9830% | 126 |
| Core capital (leverage) ratio | 22.4150% | 160 |
| Tier 1 risk-based capital ratio | 30.0188% | 473 |
| Total risk-based capital ratio | 31.2752% | 467 |
| Memoranda: | ||
| Average total assets | $117,202,000 | 3,835 |
| Average earning assets | $111,867,600 | 3,781 |
| Average equity | $27,199,200 | 2,503 |
| Average total loans | $100,664,800 | 3,280 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,828 |
| Cost of funding earning assets | 0.7260% | 1,718 |
| Net interest margin | 3.6101% | 3,333 |
| Noninterest income to average assets | 0.0260% | 5,387 |
| Noninterest expense to average assets | 2.6608% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5830% | 4,544 |
| Return on assets (ROA) | 0.5830% | 4,556 |
| Pretax return on assets | 0.8146% | 4,255 |
| Return on Equity (ROE) | 2.5326% | 5,066 |
| Retained earnings to average equity (ytd only) | 2.5326% | 4,388 |
| Net charge-offs to loans | -0.0079% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2029% | 1,330 |
| Assets per employee ($millions) | 4.4071% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,402 |
| Loan loss allowance to noncurrent loans | 67.2542% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 596 |
| Noncurrent loans to loans | 2.2060% | 637 |
| Net loans and leases to total assets | 84.0276% | 453 |
| Net loans and leases to deposits | 111.3845% | 253 |
| Net loans and leases to core deposits | 141.3723% | 199 |
| Total domestic deposits to total assets | 75.4392% | 4,842 |
| Equity capital to assets | 23.8740% | 126 |
| Core capital (leverage) ratio | 22.3356% | 159 |
| Tier 1 risk-based capital ratio | 29.9962% | 479 |
| Total risk-based capital ratio | 31.2530% | 470 |
| Memoranda: | ||
| Average total assets | $118,006,250 | 3,859 |
| Average earning assets | $112,756,250 | 3,803 |
| Average equity | $27,164,750 | 2,514 |
| Average total loans | $101,543,500 | 3,304 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 2,923 |
| Cost of funding earning assets | 0.6666% | 1,832 |
| Net interest margin | 3.5889% | 3,362 |
| Noninterest income to average assets | 0.0252% | 5,451 |
| Noninterest expense to average assets | 2.6237% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5976% | 4,501 |
| Return on assets (ROA) | 0.5976% | 4,505 |
| Pretax return on assets | 0.8359% | 4,148 |
| Return on Equity (ROE) | 2.6272% | 5,075 |
| Retained earnings to average equity (ytd only) | 2.6272% | 4,202 |
| Net charge-offs to loans | -0.0078% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4973% | 1,491 |
| Assets per employee ($millions) | 4.4502% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,666 |
| Loan loss allowance to noncurrent loans | 63.2314% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.9059% | 577 |
| Noncurrent loans to loans | 2.2532% | 609 |
| Net loans and leases to total assets | 83.3799% | 533 |
| Net loans and leases to deposits | 108.5815% | 332 |
| Net loans and leases to core deposits | 140.1497% | 192 |
| Total domestic deposits to total assets | 76.7902% | 4,755 |
| Equity capital to assets | 22.6597% | 149 |
| Core capital (leverage) ratio | 22.2485% | 158 |
| Tier 1 risk-based capital ratio | 28.8877% | 524 |
| Total risk-based capital ratio | 30.1436% | 519 |
| Memoranda: | ||
| Average total assets | $119,146,670 | 3,877 |
| Average earning assets | $114,019,670 | 3,810 |
| Average equity | $27,101,000 | 2,528 |
| Average total loans | $102,813,670 | 3,290 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 2,671 |
| Cost of funding earning assets | 0.5954% | 2,086 |
| Net interest margin | 3.6642% | 2,942 |
| Noninterest income to average assets | 0.0270% | 5,520 |
| Noninterest expense to average assets | 2.5050% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7350% | 3,967 |
| Return on assets (ROA) | 0.7350% | 3,973 |
| Pretax return on assets | 1.0283% | 3,433 |
| Return on Equity (ROE) | 3.2251% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.2251% | 3,918 |
| Net charge-offs to loans | -0.0077% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6107% | 2,401 |
| Assets per employee ($millions) | 4.2857% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,835 |
| Loan loss allowance to noncurrent loans | 65.3412% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8442% | 656 |
| Noncurrent loans to loans | 2.1460% | 717 |
| Net loans and leases to total assets | 84.7308% | 363 |
| Net loans and leases to deposits | 110.4873% | 240 |
| Net loans and leases to core deposits | 141.8703% | 195 |
| Total domestic deposits to total assets | 76.6883% | 4,900 |
| Equity capital to assets | 22.5917% | 146 |
| Core capital (leverage) ratio | 22.0767% | 151 |
| Tier 1 risk-based capital ratio | 28.3428% | 541 |
| Total risk-based capital ratio | 29.5983% | 536 |
| Memoranda: | ||
| Average total assets | $118,642,000 | 3,919 |
| Average earning assets | $113,529,500 | 3,856 |
| Average equity | $27,038,000 | 2,549 |
| Average total loans | $103,403,500 | 3,299 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 1,870 |
| Cost of funding earning assets | 0.5143% | 2,215 |
| Net interest margin | 3.9385% | 1,960 |
| Noninterest income to average assets | 1.8730% | 326 |
| Noninterest expense to average assets | 3.7570% | 735 |
| Loan and lease loss provision to assets | -0.1685% | 5,556 |
| Net operating income to assets | 1.1686% | 1,621 |
| Return on assets (ROA) | 1.1686% | 1,649 |
| Pretax return on assets | 2.0398% | 446 |
| Return on Equity (ROE) | 5.2726% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.2726% | 1,954 |
| Net charge-offs to loans | -0.0846% | 5,333 |
| Credit loss provision to net charge-offs | 229.8851% | 1,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5419% | 3,160 |
| Assets per employee ($millions) | 3.7834% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,799 |
| Loan loss allowance to noncurrent loans | 86.5707% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 987 |
| Noncurrent loans to loans | 1.6087% | 1,037 |
| Net loans and leases to total assets | 87.1730% | 178 |
| Net loans and leases to deposits | 114.8016% | 168 |
| Net loans and leases to core deposits | 136.4091% | 245 |
| Total domestic deposits to total assets | 75.9336% | 4,984 |
| Equity capital to assets | 22.9921% | 133 |
| Core capital (leverage) ratio | 21.9516% | 145 |
| Tier 1 risk-based capital ratio | 28.2070% | 530 |
| Total risk-based capital ratio | 29.4631% | 522 |
| Memoranda: | ||
| Average total assets | $118,686,000 | 3,919 |
| Average earning assets | $113,164,000 | 3,863 |
| Average equity | $26,305,800 | 2,590 |
| Average total loans | $102,859,400 | 3,302 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 1,689 |
| Cost of funding earning assets | 0.4949% | 2,310 |
| Net interest margin | 3.9887% | 1,738 |
| Noninterest income to average assets | 2.4832% | 227 |
| Noninterest expense to average assets | 3.6537% | 812 |
| Loan and lease loss provision to assets | -0.2240% | 5,667 |
| Net operating income to assets | 1.7137% | 564 |
| Return on assets (ROA) | 1.7137% | 579 |
| Pretax return on assets | 2.8540% | 132 |
| Return on Equity (ROE) | 7.8037% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.8037% | 1,301 |
| Net charge-offs to loans | -0.1104% | 5,404 |
| Credit loss provision to net charge-offs | 235.2941% | 1,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9501% | 4,509 |
| Assets per employee ($millions) | 3.8483% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,918 |
| Loan loss allowance to noncurrent loans | 513.1673% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 4,116 |
| Noncurrent loans to loans | 0.2715% | 3,984 |
| Net loans and leases to total assets | 85.5445% | 289 |
| Net loans and leases to deposits | 116.5456% | 146 |
| Net loans and leases to core deposits | 137.1445% | 241 |
| Total domestic deposits to total assets | 73.4000% | 5,285 |
| Equity capital to assets | 22.7357% | 136 |
| Core capital (leverage) ratio | 21.9961% | 142 |
| Tier 1 risk-based capital ratio | 28.0569% | 564 |
| Total risk-based capital ratio | 29.3130% | 552 |
| Memoranda: | ||
| Average total assets | $119,036,500 | 3,951 |
| Average earning assets | $113,417,250 | 3,896 |
| Average equity | $26,140,750 | 2,623 |
| Average total loans | $102,653,250 | 3,337 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 1,546 |
| Cost of funding earning assets | 0.4825% | 2,309 |
| Net interest margin | 4.0063% | 1,583 |
| Noninterest income to average assets | 0.0319% | 5,681 |
| Noninterest expense to average assets | 2.9643% | 2,215 |
| Loan and lease loss provision to assets | -0.3363% | 5,738 |
| Net operating income to assets | 0.7398% | 3,672 |
| Return on assets (ROA) | 0.7398% | 3,737 |
| Pretax return on assets | 1.2156% | 2,721 |
| Return on Equity (ROE) | 3.4091% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.4091% | 3,683 |
| Net charge-offs to loans | -0.0606% | 5,250 |
| Credit loss provision to net charge-offs | 645.1613% | 531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8154% | 1,605 |
| Assets per employee ($millions) | 3.7029% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 2,210 |
| Loan loss allowance to noncurrent loans | 488.7324% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 4,182 |
| Noncurrent loans to loans | 0.2750% | 4,059 |
| Net loans and leases to total assets | 85.9874% | 272 |
| Net loans and leases to deposits | 110.9987% | 242 |
| Net loans and leases to core deposits | 128.0914% | 338 |
| Total domestic deposits to total assets | 77.4670% | 4,894 |
| Equity capital to assets | 21.9599% | 149 |
| Core capital (leverage) ratio | 21.0257% | 168 |
| Tier 1 risk-based capital ratio | 26.8466% | 613 |
| Total risk-based capital ratio | 28.1019% | 604 |
| Memoranda: | ||
| Average total assets | $118,949,670 | 3,976 |
| Average earning assets | $113,172,000 | 3,922 |
| Average equity | $25,813,330 | 2,645 |
| Average total loans | $102,373,000 | 3,353 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 1,360 |
| Cost of funding earning assets | 0.4377% | 2,640 |
| Net interest margin | 4.0668% | 1,308 |
| Noninterest income to average assets | 0.0269% | 5,768 |
| Noninterest expense to average assets | 2.7656% | 2,904 |
| Loan and lease loss provision to assets | -0.3356% | 5,822 |
| Net operating income to assets | 0.8928% | 2,800 |
| Return on assets (ROA) | 0.8928% | 2,846 |
| Pretax return on assets | 1.4634% | 1,651 |
| Return on Equity (ROE) | 4.1385% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.1385% | 3,391 |
| Net charge-offs to loans | -0.0510% | 5,192 |
| Credit loss provision to net charge-offs | 769.2308% | 408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6897% | 2,790 |
| Assets per employee ($millions) | 3.8433% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,963 |
| Loan loss allowance to noncurrent loans | 197.8466% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,833 |
| Noncurrent loans to loans | 0.7208% | 2,691 |
| Net loans and leases to total assets | 82.6150% | 501 |
| Net loans and leases to deposits | 111.5314% | 186 |
| Net loans and leases to core deposits | 128.0147% | 290 |
| Total domestic deposits to total assets | 74.0733% | 5,412 |
| Equity capital to assets | 21.0131% | 169 |
| Core capital (leverage) ratio | 21.1422% | 159 |
| Tier 1 risk-based capital ratio | 26.8520% | 634 |
| Total risk-based capital ratio | 28.1063% | 623 |
| Memoranda: | ||
| Average total assets | $119,178,000 | 4,007 |
| Average earning assets | $113,308,000 | 3,958 |
| Average equity | $25,709,500 | 2,671 |
| Average total loans | $101,921,000 | 3,384 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,254 |
| Cost of funding earning assets | 0.4044% | 2,959 |
| Net interest margin | 4.2070% | 1,099 |
| Noninterest income to average assets | 0.1095% | 5,620 |
| Noninterest expense to average assets | 3.4093% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4040% | 4,928 |
| Return on assets (ROA) | 0.4040% | 5,014 |
| Pretax return on assets | 0.6630% | 4,612 |
| Return on Equity (ROE) | 1.7798% | 5,440 |
| Retained earnings to average equity (ytd only) | 1.7798% | 4,514 |
| Net charge-offs to loans | -0.0253% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4353% | 1,064 |
| Assets per employee ($millions) | 3.4961% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 85.9930% | 229 |
| Net loans and leases to deposits | 119.9446% | 94 |
| Net loans and leases to core deposits | 122.9883% | 405 |
| Total domestic deposits to total assets | 71.6939% | 5,585 |
| Equity capital to assets | 22.1685% | 146 |
| Core capital (leverage) ratio | 21.6324% | 148 |
| Tier 1 risk-based capital ratio | 27.8635% | 574 |
| Total risk-based capital ratio | 29.1206% | 562 |
| Memoranda: | ||
| Average total assets | $112,367,600 | 4,118 |
| Average earning assets | $105,846,200 | 4,078 |
| Average equity | $25,508,000 | 2,676 |
| Average total loans | $94,691,200 | 3,488 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 1,115 |
| Cost of funding earning assets | 0.3947% | 3,072 |
| Net interest margin | 4.2831% | 961 |
| Noninterest income to average assets | 0.1350% | 5,577 |
| Noninterest expense to average assets | 3.2814% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5375% | 4,548 |
| Return on assets (ROA) | 0.5375% | 4,651 |
| Pretax return on assets | 0.8852% | 4,030 |
| Return on Equity (ROE) | 2.3537% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.3537% | 4,504 |
| Net charge-offs to loans | -0.0272% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4404% | 1,626 |
| Assets per employee ($millions) | 3.3179% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 1,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.9204% | 257 |
| Net loans and leases to deposits | 121.4170% | 101 |
| Net loans and leases to core deposits | 124.6124% | 399 |
| Total domestic deposits to total assets | 70.7647% | 5,654 |
| Equity capital to assets | 22.7792% | 142 |
| Core capital (leverage) ratio | 21.7386% | 144 |
| Tier 1 risk-based capital ratio | 28.5906% | 546 |
| Total risk-based capital ratio | 29.8499% | 534 |
| Memoranda: | ||
| Average total assets | $111,616,750 | 4,161 |
| Average earning assets | $105,061,500 | 4,119 |
| Average equity | $25,491,000 | 2,691 |
| Average total loans | $93,172,000 | 3,529 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 1,427 |
| Cost of funding earning assets | 0.3864% | 3,188 |
| Net interest margin | 4.1450% | 1,248 |
| Noninterest income to average assets | 0.1870% | 5,376 |
| Noninterest expense to average assets | 3.4149% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4046% | 5,018 |
| Return on assets (ROA) | 0.4046% | 5,102 |
| Pretax return on assets | 0.6689% | 4,716 |
| Return on Equity (ROE) | 1.7701% | 5,560 |
| Retained earnings to average equity (ytd only) | 1.7701% | 4,669 |
| Net charge-offs to loans | -0.0284% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3113% | 1,112 |
| Assets per employee ($millions) | 3.8345% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 1,402 |
| Loan loss allowance to noncurrent loans | 773.0000% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,775 |
| Noncurrent loans to loans | 0.2135% | 4,588 |
| Net loans and leases to total assets | 82.8327% | 532 |
| Net loans and leases to deposits | 113.2839% | 186 |
| Net loans and leases to core deposits | 116.2051% | 632 |
| Total domestic deposits to total assets | 73.1196% | 5,596 |
| Equity capital to assets | 22.9964% | 133 |
| Core capital (leverage) ratio | 21.4859% | 146 |
| Tier 1 risk-based capital ratio | 29.2540% | 527 |
| Total risk-based capital ratio | 30.5143% | 522 |
| Memoranda: | ||
| Average total assets | $111,219,330 | 4,202 |
| Average earning assets | $104,559,670 | 4,161 |
| Average equity | $25,422,330 | 2,710 |
| Average total loans | $91,403,330 | 3,576 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 1,934 |
| Cost of funding earning assets | 0.3675% | 3,422 |
| Net interest margin | 3.9926% | 1,630 |
| Noninterest income to average assets | 0.0324% | 6,015 |
| Noninterest expense to average assets | 3.1431% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3848% | 5,041 |
| Return on assets (ROA) | 0.3848% | 5,114 |
| Pretax return on assets | 0.6401% | 4,703 |
| Return on Equity (ROE) | 1.6885% | 5,579 |
| Retained earnings to average equity (ytd only) | 1.6885% | 4,598 |
| Net charge-offs to loans | -0.0266% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7947% | 1,278 |
| Assets per employee ($millions) | 3.8303% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 1,360 |
| Loan loss allowance to noncurrent loans | 773.3668% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,854 |
| Noncurrent loans to loans | 0.2203% | 4,638 |
| Net loans and leases to total assets | 79.9206% | 826 |
| Net loans and leases to deposits | 111.0896% | 201 |
| Net loans and leases to core deposits | 112.8893% | 714 |
| Total domestic deposits to total assets | 71.9425% | 5,774 |
| Equity capital to assets | 22.9071% | 137 |
| Core capital (leverage) ratio | 21.3626% | 153 |
| Tier 1 risk-based capital ratio | 29.9273% | 511 |
| Total risk-based capital ratio | 31.1880% | 506 |
| Memoranda: | ||
| Average total assets | $111,229,000 | 4,242 |
| Average earning assets | $104,494,500 | 4,200 |
| Average equity | $25,347,500 | 2,717 |
| Average total loans | $90,277,000 | 3,614 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,604 |
| Cost of funding earning assets | 0.3321% | 3,882 |
| Net interest margin | 4.1662% | 1,245 |
| Noninterest income to average assets | 0.0503% | 6,005 |
| Noninterest expense to average assets | 3.4144% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3373% | 5,248 |
| Return on assets (ROA) | 0.3373% | 5,337 |
| Pretax return on assets | 0.5518% | 4,985 |
| Return on Equity (ROE) | 1.4288% | 5,697 |
| Retained earnings to average equity (ytd only) | 1.4288% | 4,913 |
| Net charge-offs to loans | 0.0784% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.5224% | 2,935 |
| Efficiency ratio | 85.8431% | 1,002 |
| Assets per employee ($millions) | 3.8407% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 1,348 |
| Loan loss allowance to noncurrent loans | 747.8049% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,869 |
| Noncurrent loans to loans | 0.2272% | 4,616 |
| Net loans and leases to total assets | 79.6443% | 889 |
| Net loans and leases to deposits | 111.7977% | 205 |
| Net loans and leases to core deposits | 113.4869% | 710 |
| Total domestic deposits to total assets | 71.2396% | 5,838 |
| Equity capital to assets | 22.6703% | 129 |
| Core capital (leverage) ratio | 23.3897% | 110 |
| Tier 1 risk-based capital ratio | 30.4183% | 486 |
| Total risk-based capital ratio | 31.6765% | 480 |
| Memoranda: | ||
| Average total assets | $103,474,400 | 4,395 |
| Average earning assets | $97,258,400 | 4,357 |
| Average equity | $24,425,600 | 2,740 |
| Average total loans | $85,487,600 | 3,687 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 1,629 |
| Cost of funding earning assets | 0.3257% | 4,037 |
| Net interest margin | 4.1612% | 1,250 |
| Noninterest income to average assets | 0.0473% | 6,108 |
| Noninterest expense to average assets | 3.2762% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4164% | 5,103 |
| Return on assets (ROA) | 0.4164% | 5,188 |
| Pretax return on assets | 0.6818% | 4,743 |
| Return on Equity (ROE) | 1.7451% | 5,726 |
| Retained earnings to average equity (ytd only) | 1.7451% | 5,003 |
| Net charge-offs to loans | 0.1170% | 1,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.0138% | 2,964 |
| Efficiency ratio | 82.5755% | 1,319 |
| Assets per employee ($millions) | 3.9366% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 1,473 |
| Loan loss allowance to noncurrent loans | 309.5335% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 4,005 |
| Noncurrent loans to loans | 0.5483% | 3,697 |
| Net loans and leases to total assets | 80.1885% | 802 |
| Net loans and leases to deposits | 113.4039% | 180 |
| Net loans and leases to core deposits | 115.6005% | 606 |
| Total domestic deposits to total assets | 70.7106% | 5,942 |
| Equity capital to assets | 22.9279% | 129 |
| Core capital (leverage) ratio | 23.9754% | 106 |
| Tier 1 risk-based capital ratio | 30.7259% | 486 |
| Total risk-based capital ratio | 31.9845% | 480 |
| Memoranda: | ||
| Average total assets | $101,498,250 | 4,482 |
| Average earning assets | $95,387,750 | 4,452 |
| Average equity | $24,219,500 | 2,784 |
| Average total loans | $84,299,500 | 3,748 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,510 |
| Cost of funding earning assets | 0.3233% | 4,114 |
| Net interest margin | 4.1837% | 1,138 |
| Noninterest income to average assets | 0.0325% | 6,209 |
| Noninterest expense to average assets | 3.3776% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3611% | 5,256 |
| Return on assets (ROA) | 0.3611% | 5,371 |
| Pretax return on assets | 0.5924% | 4,993 |
| Return on Equity (ROE) | 1.4915% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.4915% | 4,954 |
| Net charge-offs to loans | 0.1965% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.6049% | 3,168 |
| Efficiency ratio | 84.8748% | 1,166 |
| Assets per employee ($millions) | 3.8083% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 1,419 |
| Loan loss allowance to noncurrent loans | 174.7986% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 2,471 |
| Noncurrent loans to loans | 1.0160% | 2,612 |
| Net loans and leases to total assets | 84.8440% | 306 |
| Net loans and leases to deposits | 119.7269% | 99 |
| Net loans and leases to core deposits | 121.8454% | 421 |
| Total domestic deposits to total assets | 70.8646% | 5,994 |
| Equity capital to assets | 24.1423% | 106 |
| Core capital (leverage) ratio | 23.2361% | 115 |
| Tier 1 risk-based capital ratio | 31.0014% | 491 |
| Total risk-based capital ratio | 32.2614% | 487 |
| Memoranda: | ||
| Average total assets | $98,589,670 | 4,575 |
| Average earning assets | $92,788,000 | 4,541 |
| Average equity | $23,868,670 | 2,825 |
| Average total loans | $82,428,330 | 3,814 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 1,422 |
| Cost of funding earning assets | 0.3239% | 4,178 |
| Net interest margin | 4.1891% | 1,085 |
| Noninterest income to average assets | 0.0244% | 6,283 |
| Noninterest expense to average assets | 3.2366% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4432% | 4,902 |
| Return on assets (ROA) | 0.4432% | 5,021 |
| Pretax return on assets | 0.7319% | 4,492 |
| Return on Equity (ROE) | 1.8281% | 5,723 |
| Retained earnings to average equity (ytd only) | 1.8281% | 4,736 |
| Net charge-offs to loans | 0.2819% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.1579% | 2,646 |
| Efficiency ratio | 81.3525% | 1,708 |
| Assets per employee ($millions) | 3.8247% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 1,372 |
| Loan loss allowance to noncurrent loans | 101.4464% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 1,700 |
| Noncurrent loans to loans | 1.8335% | 1,469 |
| Net loans and leases to total assets | 81.8710% | 473 |
| Net loans and leases to deposits | 115.2355% | 142 |
| Net loans and leases to core deposits | 117.6721% | 466 |
| Total domestic deposits to total assets | 71.0467% | 6,084 |
| Equity capital to assets | 24.0500% | 108 |
| Core capital (leverage) ratio | 23.4902% | 108 |
| Tier 1 risk-based capital ratio | 31.5230% | 475 |
| Total risk-based capital ratio | 32.7832% | 472 |
| Memoranda: | ||
| Average total assets | $98,376,000 | 4,615 |
| Average earning assets | $92,622,000 | 4,580 |
| Average equity | $23,850,500 | 2,846 |
| Average total loans | $80,878,000 | 3,866 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,547 |
| Cost of funding earning assets | 0.3939% | 3,750 |
| Net interest margin | 3.9229% | 2,146 |
| Noninterest income to average assets | 0.0323% | 6,332 |
| Noninterest expense to average assets | 3.3682% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2089% | 5,746 |
| Return on assets (ROA) | 0.2089% | 5,809 |
| Pretax return on assets | 0.3623% | 5,581 |
| Return on Equity (ROE) | 0.9048% | 5,982 |
| Retained earnings to average equity (ytd only) | 0.9048% | 5,376 |
| Net charge-offs to loans | -0.0306% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0730% | 838 |
| Assets per employee ($millions) | 3.7427% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 1,054 |
| Loan loss allowance to noncurrent loans | 172.4138% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 2,847 |
| Noncurrent loans to loans | 1.1777% | 2,479 |
| Net loans and leases to total assets | 79.3328% | 835 |
| Net loans and leases to deposits | 106.3890% | 344 |
| Net loans and leases to core deposits | 108.9629% | 830 |
| Total domestic deposits to total assets | 74.5686% | 5,898 |
| Equity capital to assets | 24.4428% | 106 |
| Core capital (leverage) ratio | 23.4420% | 112 |
| Tier 1 risk-based capital ratio | 32.4939% | 414 |
| Total risk-based capital ratio | 33.7567% | 407 |
| Memoranda: | ||
| Average total assets | $99,102,400 | 4,623 |
| Average earning assets | $93,426,400 | 4,569 |
| Average equity | $22,877,000 | 2,858 |
| Average total loans | $75,156,200 | 4,018 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 2,787 |
| Cost of funding earning assets | 0.4145% | 3,636 |
| Net interest margin | 3.8414% | 2,469 |
| Noninterest income to average assets | 0.0281% | 6,428 |
| Noninterest expense to average assets | 3.3121% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2049% | 5,841 |
| Return on assets (ROA) | 0.2049% | 5,892 |
| Pretax return on assets | 0.3402% | 5,693 |
| Return on Equity (ROE) | 0.9006% | 6,048 |
| Retained earnings to average equity (ytd only) | 0.9006% | 5,525 |
| Net charge-offs to loans | -0.0359% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7690% | 856 |
| Assets per employee ($millions) | 3.7716% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 1,109 |
| Loan loss allowance to noncurrent loans | 149.2523% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 2,780 |
| Noncurrent loans to loans | 1.3972% | 2,316 |
| Net loans and leases to total assets | 76.4639% | 1,162 |
| Net loans and leases to deposits | 102.5872% | 474 |
| Net loans and leases to core deposits | 105.0492% | 1,023 |
| Total domestic deposits to total assets | 74.5355% | 5,964 |
| Equity capital to assets | 24.1154% | 113 |
| Core capital (leverage) ratio | 23.1210% | 121 |
| Tier 1 risk-based capital ratio | 32.6845% | 420 |
| Total risk-based capital ratio | 33.9477% | 414 |
| Memoranda: | ||
| Average total assets | $99,550,750 | 4,650 |
| Average earning assets | $93,921,000 | 4,601 |
| Average equity | $22,650,000 | 2,886 |
| Average total loans | $74,245,750 | 4,081 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 2,861 |
| Cost of funding earning assets | 0.4465% | 3,368 |
| Net interest margin | 3.7794% | 2,639 |
| Noninterest income to average assets | 0.0300% | 6,494 |
| Noninterest expense to average assets | 3.2565% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2079% | 5,810 |
| Return on assets (ROA) | 0.2079% | 5,870 |
| Pretax return on assets | 0.3438% | 5,690 |
| Return on Equity (ROE) | 0.9320% | 6,068 |
| Retained earnings to average equity (ytd only) | 0.9320% | 5,379 |
| Net charge-offs to loans | -0.0191% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1727% | 976 |
| Assets per employee ($millions) | 3.7310% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 1,198 |
| Loan loss allowance to noncurrent loans | 239.6369% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 4,014 |
| Noncurrent loans to loans | 0.8715% | 3,525 |
| Net loans and leases to total assets | 73.7184% | 1,472 |
| Net loans and leases to deposits | 98.0343% | 663 |
| Net loans and leases to core deposits | 100.3026% | 1,257 |
| Total domestic deposits to total assets | 75.1966% | 6,004 |
| Equity capital to assets | 23.4484% | 118 |
| Core capital (leverage) ratio | 22.4367% | 126 |
| Tier 1 risk-based capital ratio | 32.8679% | 416 |
| Total risk-based capital ratio | 34.1304% | 405 |
| Memoranda: | ||
| Average total assets | $100,047,000 | 4,682 |
| Average earning assets | $94,513,330 | 4,627 |
| Average equity | $22,317,330 | 2,913 |
| Average total loans | $73,468,000 | 4,122 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 2,596 |
| Cost of funding earning assets | 0.4915% | 2,998 |
| Net interest margin | 3.7876% | 2,518 |
| Noninterest income to average assets | 0.0281% | 6,545 |
| Noninterest expense to average assets | 3.3018% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1886% | 5,831 |
| Return on assets (ROA) | 0.1886% | 5,877 |
| Pretax return on assets | 0.3129% | 5,685 |
| Return on Equity (ROE) | 0.8677% | 6,064 |
| Retained earnings to average equity (ytd only) | 0.8677% | 5,245 |
| Net charge-offs to loans | -0.0221% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0122% | 1,126 |
| Assets per employee ($millions) | 4.1724% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0554% | 1,403 |
| Loan loss allowance to noncurrent loans | 235.4694% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 4,210 |
| Noncurrent loans to loans | 0.8729% | 3,710 |
| Net loans and leases to total assets | 72.1788% | 1,551 |
| Net loans and leases to deposits | 94.6579% | 735 |
| Net loans and leases to core deposits | 98.1629% | 1,226 |
| Total domestic deposits to total assets | 76.2523% | 6,053 |
| Equity capital to assets | 22.4947% | 137 |
| Core capital (leverage) ratio | 21.4758% | 144 |
| Tier 1 risk-based capital ratio | 31.8271% | 452 |
| Total risk-based capital ratio | 33.0894% | 449 |
| Memoranda: | ||
| Average total assets | $99,702,500 | 4,746 |
| Average earning assets | $94,413,500 | 4,672 |
| Average equity | $21,665,500 | 2,980 |
| Average total loans | $72,279,500 | 4,192 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 4,147 |
| Cost of funding earning assets | 0.5385% | 3,210 |
| Net interest margin | 3.4430% | 4,121 |
| Noninterest income to average assets | 0.1280% | 6,292 |
| Noninterest expense to average assets | 3.1937% | 2,438 |
| Loan and lease loss provision to assets | -0.2108% | 6,607 |
| Net operating income to assets | 0.2591% | 5,659 |
| Return on assets (ROA) | 0.2591% | 5,737 |
| Pretax return on assets | 0.4174% | 5,451 |
| Return on Equity (ROE) | 1.2459% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.2459% | 5,269 |
| Net charge-offs to loans | 0.0478% | 4,555 |
| Credit loss provision to net charge-offs | -591.1765% | 6,164 |
| Earnings coverage of net charge-offs (x) | 5.7941% | 3,215 |
| Efficiency ratio | 93.9235% | 757 |
| Assets per employee ($millions) | 3.9623% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3297% | 1,010 |
| Loan loss allowance to noncurrent loans | 294.2164% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 4,543 |
| Noncurrent loans to loans | 0.7918% | 4,000 |
| Net loans and leases to total assets | 69.5224% | 2,093 |
| Net loans and leases to deposits | 88.3533% | 1,428 |
| Net loans and leases to core deposits | 90.7373% | 1,935 |
| Total domestic deposits to total assets | 78.6868% | 5,712 |
| Equity capital to assets | 20.8915% | 169 |
| Core capital (leverage) ratio | 20.4347% | 176 |
| Tier 1 risk-based capital ratio | 32.1000% | 426 |
| Total risk-based capital ratio | 33.3677% | 419 |
| Memoranda: | ||
| Average total assets | $95,342,800 | 4,855 |
| Average earning assets | $90,619,200 | 4,753 |
| Average equity | $19,824,600 | 3,170 |
| Average total loans | $71,194,400 | 4,215 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,935 |
| Cost of funding earning assets | 0.5621% | 3,148 |
| Net interest margin | 3.4887% | 3,927 |
| Noninterest income to average assets | 0.1579% | 6,242 |
| Noninterest expense to average assets | 2.9572% | 3,122 |
| Loan and lease loss provision to assets | -0.2809% | 6,765 |
| Net operating income to assets | 0.4752% | 4,909 |
| Return on assets (ROA) | 0.4752% | 5,061 |
| Pretax return on assets | 0.7952% | 4,311 |
| Return on Equity (ROE) | 2.2879% | 5,855 |
| Retained earnings to average equity (ytd only) | 2.2879% | 4,956 |
| Net charge-offs to loans | -0.0537% | 6,337 |
| Credit loss provision to net charge-offs | 693.1034% | 417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1852% | 1,446 |
| Assets per employee ($millions) | 3.9284% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4659% | 968 |
| Loan loss allowance to noncurrent loans | 190.9197% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9705% | 3,718 |
| Noncurrent loans to loans | 1.2916% | 3,247 |
| Net loans and leases to total assets | 68.8018% | 2,176 |
| Net loans and leases to deposits | 87.8171% | 1,389 |
| Net loans and leases to core deposits | 90.2196% | 1,947 |
| Total domestic deposits to total assets | 78.3466% | 5,850 |
| Equity capital to assets | 21.1708% | 167 |
| Core capital (leverage) ratio | 20.5819% | 177 |
| Tier 1 risk-based capital ratio | 32.1773% | 434 |
| Total risk-based capital ratio | 33.4453% | 427 |
| Memoranda: | ||
| Average total assets | $95,404,500 | 4,897 |
| Average earning assets | $90,615,000 | 4,791 |
| Average equity | $19,814,000 | 3,209 |
| Average total loans | $72,070,500 | 4,225 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1706% | 3,470 |
| Cost of funding earning assets | 0.5813% | 3,114 |
| Net interest margin | 3.5893% | 3,405 |
| Noninterest income to average assets | 0.3070% | 5,253 |
| Noninterest expense to average assets | 2.8712% | 3,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5012% | 4,790 |
| Return on assets (ROA) | 0.5012% | 4,962 |
| Pretax return on assets | 0.8394% | 4,160 |
| Return on Equity (ROE) | 2.4285% | 5,823 |
| Retained earnings to average equity (ytd only) | 2.4285% | 4,754 |
| Net charge-offs to loans | -0.0920% | 6,482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3776% | 2,565 |
| Assets per employee ($millions) | 4.1608% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6083% | 880 |
| Loan loss allowance to noncurrent loans | 593.5691% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 4,414 |
| Noncurrent loans to loans | 0.4394% | 5,164 |
| Net loans and leases to total assets | 72.0276% | 1,574 |
| Net loans and leases to deposits | 92.0686% | 956 |
| Net loans and leases to core deposits | 94.8795% | 1,448 |
| Total domestic deposits to total assets | 78.2326% | 5,939 |
| Equity capital to assets | 20.7528% | 177 |
| Core capital (leverage) ratio | 20.1697% | 187 |
| Tier 1 risk-based capital ratio | 29.9554% | 524 |
| Total risk-based capital ratio | 31.2249% | 519 |
| Memoranda: | ||
| Average total assets | $95,779,000 | 4,917 |
| Average earning assets | $90,826,670 | 4,819 |
| Average equity | $19,765,330 | 3,227 |
| Average total loans | $73,925,000 | 4,175 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 2,053 |
| Cost of funding earning assets | 0.6091% | 3,023 |
| Net interest margin | 3.9236% | 2,036 |
| Noninterest income to average assets | 0.5009% | 3,763 |
| Noninterest expense to average assets | 2.8428% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8182% | 3,060 |
| Return on assets (ROA) | 0.8182% | 3,204 |
| Pretax return on assets | 1.3692% | 1,973 |
| Return on Equity (ROE) | 3.9761% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.9761% | 3,848 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4926% | 4,414 |
| Assets per employee ($millions) | 3.9851% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4337% | 1,200 |
| Loan loss allowance to noncurrent loans | 222.3313% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 3,284 |
| Noncurrent loans to loans | 1.0946% | 3,952 |
| Net loans and leases to total assets | 75.9541% | 846 |
| Net loans and leases to deposits | 96.9492% | 493 |
| Net loans and leases to core deposits | 99.8886% | 955 |
| Total domestic deposits to total assets | 78.3442% | 6,067 |
| Equity capital to assets | 20.7189% | 188 |
| Core capital (leverage) ratio | 20.1352% | 187 |
| Tier 1 risk-based capital ratio | 28.0324% | 642 |
| Total risk-based capital ratio | 29.2994% | 628 |
| Memoranda: | ||
| Average total assets | $95,819,500 | 4,952 |
| Average earning assets | $90,630,000 | 4,876 |
| Average equity | $19,718,000 | 3,278 |
| Average total loans | $75,500,000 | 4,148 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 3,072 |
| Cost of funding earning assets | 0.7027% | 3,475 |
| Net interest margin | 3.8793% | 2,914 |
| Noninterest income to average assets | 0.0553% | 6,665 |
| Noninterest expense to average assets | 3.2203% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3054% | 5,449 |
| Return on assets (ROA) | 0.3054% | 5,653 |
| Pretax return on assets | 0.4961% | 5,292 |
| Return on Equity (ROE) | 1.5301% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.5301% | 5,102 |
| Net charge-offs to loans | 2.0197% | 357 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.2937% | 5,333 |
| Efficiency ratio | 86.6520% | 1,359 |
| Assets per employee ($millions) | 3.9999% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 1,284 |
| Loan loss allowance to noncurrent loans | 170.9434% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9001% | 2,568 |
| Noncurrent loans to loans | 1.3848% | 3,525 |
| Net loans and leases to total assets | 77.8483% | 696 |
| Net loans and leases to deposits | 99.1482% | 451 |
| Net loans and leases to core deposits | 101.4250% | 925 |
| Total domestic deposits to total assets | 78.5170% | 5,984 |
| Equity capital to assets | 20.4381% | 210 |
| Core capital (leverage) ratio | 19.8546% | 200 |
| Tier 1 risk-based capital ratio | 26.8936% | 697 |
| Total risk-based capital ratio | 28.1600% | 689 |
| Memoranda: | ||
| Average total assets | $97,568,000 | 4,899 |
| Average earning assets | $92,077,800 | 4,807 |
| Average equity | $19,476,000 | 3,262 |
| Average total loans | $81,596,400 | 3,990 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 3,289 |
| Cost of funding earning assets | 0.7198% | 3,594 |
| Net interest margin | 3.8600% | 3,078 |
| Noninterest income to average assets | 0.0381% | 6,842 |
| Noninterest expense to average assets | 3.1345% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3199% | 5,546 |
| Return on assets (ROA) | 0.3199% | 5,751 |
| Pretax return on assets | 0.5458% | 5,325 |
| Return on Equity (ROE) | 1.6118% | 6,123 |
| Retained earnings to average equity (ytd only) | 1.6118% | 5,528 |
| Net charge-offs to loans | 2.5585% | 240 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.2522% | 5,200 |
| Efficiency ratio | 85.1701% | 1,463 |
| Assets per employee ($millions) | 3.9646% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3903% | 1,380 |
| Loan loss allowance to noncurrent loans | 140.9194% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 2.3657% | 2,247 |
| Noncurrent loans to loans | 1.6962% | 3,245 |
| Net loans and leases to total assets | 80.2556% | 487 |
| Net loans and leases to deposits | 102.6205% | 325 |
| Net loans and leases to core deposits | 105.0081% | 808 |
| Total domestic deposits to total assets | 78.2062% | 6,032 |
| Equity capital to assets | 20.5536% | 221 |
| Core capital (leverage) ratio | 19.9648% | 205 |
| Tier 1 risk-based capital ratio | 26.0114% | 827 |
| Total risk-based capital ratio | 27.2777% | 809 |
| Memoranda: | ||
| Average total assets | $97,960,750 | 4,932 |
| Average earning assets | $92,434,000 | 4,837 |
| Average equity | $19,440,000 | 3,299 |
| Average total loans | $82,859,500 | 3,995 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 3,684 |
| Cost of funding earning assets | 0.7256% | 3,802 |
| Net interest margin | 3.7952% | 3,385 |
| Noninterest income to average assets | 0.0586% | 6,826 |
| Noninterest expense to average assets | 3.0638% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3418% | 5,460 |
| Return on assets (ROA) | 0.3418% | 5,683 |
| Pretax return on assets | 0.5804% | 5,208 |
| Return on Equity (ROE) | 1.7422% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.7422% | 5,322 |
| Net charge-offs to loans | 3.2677% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2081% | 4,968 |
| Efficiency ratio | 84.0733% | 1,625 |
| Assets per employee ($millions) | 3.9006% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 1,256 |
| Loan loss allowance to noncurrent loans | 31.7032% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 7.1527% | 541 |
| Noncurrent loans to loans | 7.9468% | 443 |
| Net loans and leases to total assets | 82.5690% | 303 |
| Net loans and leases to deposits | 104.8807% | 259 |
| Net loans and leases to core deposits | 107.2615% | 695 |
| Total domestic deposits to total assets | 78.7266% | 6,011 |
| Equity capital to assets | 19.9875% | 239 |
| Core capital (leverage) ratio | 19.9875% | 207 |
| Tier 1 risk-based capital ratio | 25.7225% | 834 |
| Total risk-based capital ratio | 26.9908% | 814 |
| Memoranda: | ||
| Average total assets | $98,897,330 | 4,923 |
| Average earning assets | $93,434,670 | 4,834 |
| Average equity | $19,401,000 | 3,296 |
| Average total loans | $84,401,330 | 3,956 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 3,885 |
| Cost of funding earning assets | 0.7311% | 4,015 |
| Net interest margin | 3.7746% | 3,496 |
| Noninterest income to average assets | 0.0643% | 6,878 |
| Noninterest expense to average assets | 3.1610% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2771% | 5,730 |
| Return on assets (ROA) | 0.2771% | 5,893 |
| Pretax return on assets | 0.4699% | 5,525 |
| Return on Equity (ROE) | 1.4259% | 6,244 |
| Retained earnings to average equity (ytd only) | 1.4259% | 5,520 |
| Net charge-offs to loans | 6.3492% | 55 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0864% | 4,325 |
| Efficiency ratio | 87.0575% | 1,372 |
| Assets per employee ($millions) | 4.0284% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5211% | 1,320 |
| Loan loss allowance to noncurrent loans | 36.8246% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 6.3198% | 721 |
| Noncurrent loans to loans | 6.8462% | 666 |
| Net loans and leases to total assets | 84.2244% | 176 |
| Net loans and leases to deposits | 109.6229% | 142 |
| Net loans and leases to core deposits | 112.0300% | 470 |
| Total domestic deposits to total assets | 76.8310% | 6,425 |
| Equity capital to assets | 20.0567% | 222 |
| Core capital (leverage) ratio | 20.0567% | 201 |
| Tier 1 risk-based capital ratio | 25.4522% | 859 |
| Total risk-based capital ratio | 26.7201% | 837 |
| Memoranda: | ||
| Average total assets | $99,588,000 | 4,948 |
| Average earning assets | $94,101,500 | 4,848 |
| Average equity | $19,356,000 | 3,301 |
| Average total loans | $85,302,500 | 3,964 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 3,144 |
| Cost of funding earning assets | 0.8768% | 4,275 |
| Net interest margin | 4.0658% | 2,583 |
| Noninterest income to average assets | 0.2182% | 5,958 |
| Noninterest expense to average assets | 3.3821% | 2,288 |
| Loan and lease loss provision to assets | 3.1648% | 110 |
| Net operating income to assets | -1.4489% | 6,896 |
| Return on assets (ROA) | -1.4489% | 6,918 |
| Pretax return on assets | -2.4334% | 7,111 |
| Return on Equity (ROE) | -7.0991% | 6,640 |
| Retained earnings to average equity (ytd only) | -7.0991% | 6,579 |
| Net charge-offs to loans | 2.4940% | 469 |
| Credit loss provision to net charge-offs | 143.3860% | 2,027 |
| Earnings coverage of net charge-offs (x) | 0.3314% | 5,576 |
| Efficiency ratio | 82.2190% | 1,991 |
| Assets per employee ($millions) | 4.2706% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 3,447 |
| Loan loss allowance to noncurrent loans | 20.8254% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 7.0481% | 646 |
| Noncurrent loans to loans | 7.8477% | 522 |
| Net loans and leases to total assets | 83.5621% | 228 |
| Net loans and leases to deposits | 117.1529% | 99 |
| Net loans and leases to core deposits | 119.8246% | 358 |
| Total domestic deposits to total assets | 71.3274% | 6,908 |
| Equity capital to assets | 18.8507% | 288 |
| Core capital (leverage) ratio | 18.8507% | 252 |
| Tier 1 risk-based capital ratio | 24.1054% | 958 |
| Total risk-based capital ratio | 25.3556% | 944 |
| Memoranda: | ||
| Average total assets | $100,353,200 | 4,882 |
| Average earning assets | $96,144,200 | 4,741 |
| Average equity | $20,481,400 | 3,074 |
| Average total loans | $88,814,000 | 3,883 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 2,965 |
| Cost of funding earning assets | 0.9243% | 4,238 |
| Net interest margin | 4.1016% | 2,467 |
| Noninterest income to average assets | 0.2084% | 6,126 |
| Noninterest expense to average assets | 3.5183% | 1,895 |
| Loan and lease loss provision to assets | 0.9858% | 878 |
| Net operating income to assets | -0.2070% | 6,392 |
| Return on assets (ROA) | -0.2070% | 6,471 |
| Pretax return on assets | -0.3540% | 6,536 |
| Return on Equity (ROE) | -0.9949% | 6,379 |
| Retained earnings to average equity (ytd only) | -0.9949% | 6,154 |
| Net charge-offs to loans | 1.2982% | 1,189 |
| Credit loss provision to net charge-offs | 84.9252% | 3,964 |
| Earnings coverage of net charge-offs (x) | 0.5443% | 5,223 |
| Efficiency ratio | 84.7763% | 1,653 |
| Assets per employee ($millions) | 4.0303% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3748% | 7,247 |
| Loan loss allowance to noncurrent loans | 6.1846% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 5.5330% | 1,001 |
| Noncurrent loans to loans | 6.0601% | 918 |
| Net loans and leases to total assets | 90.9613% | 31 |
| Net loans and leases to deposits | 117.4135% | 97 |
| Net loans and leases to core deposits | 121.3101% | 357 |
| Total domestic deposits to total assets | 77.4708% | 6,306 |
| Equity capital to assets | 21.3175% | 191 |
| Core capital (leverage) ratio | 21.3175% | 167 |
| Tier 1 risk-based capital ratio | 26.0304% | 833 |
| Total risk-based capital ratio | 26.4483% | 889 |
| Memoranda: | ||
| Average total assets | $99,817,750 | 4,933 |
| Average earning assets | $95,928,000 | 4,779 |
| Average equity | $20,771,500 | 3,042 |
| Average total loans | $89,250,000 | 3,918 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 2,905 |
| Cost of funding earning assets | 0.9626% | 4,237 |
| Net interest margin | 4.0915% | 2,442 |
| Noninterest income to average assets | 0.1825% | 6,351 |
| Noninterest expense to average assets | 3.5360% | 1,893 |
| Loan and lease loss provision to assets | 0.1666% | 4,265 |
| Net operating income to assets | 0.2419% | 5,589 |
| Return on assets (ROA) | 0.2419% | 5,711 |
| Pretax return on assets | 0.4165% | 5,349 |
| Return on Equity (ROE) | 1.1718% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.1718% | 5,392 |
| Net charge-offs to loans | 0.4422% | 2,803 |
| Credit loss provision to net charge-offs | 42.4242% | 4,767 |
| Earnings coverage of net charge-offs (x) | 1.4848% | 4,172 |
| Efficiency ratio | 85.8450% | 1,614 |
| Assets per employee ($millions) | 4.0034% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3922% | 7,299 |
| Loan loss allowance to noncurrent loans | 9.5290% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 3.6489% | 1,792 |
| Noncurrent loans to loans | 4.1161% | 1,664 |
| Net loans and leases to total assets | 88.3001% | 75 |
| Net loans and leases to deposits | 114.0012% | 123 |
| Net loans and leases to core deposits | 118.9432% | 445 |
| Total domestic deposits to total assets | 77.4554% | 6,384 |
| Equity capital to assets | 20.8790% | 217 |
| Core capital (leverage) ratio | 20.8790% | 188 |
| Tier 1 risk-based capital ratio | 26.3924% | 773 |
| Total risk-based capital ratio | 26.8319% | 828 |
| Memoranda: | ||
| Average total assets | $100,847,670 | 4,939 |
| Average earning assets | $97,030,330 | 4,783 |
| Average equity | $20,822,000 | 3,022 |
| Average total loans | $89,561,330 | 3,947 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 3,128 |
| Cost of funding earning assets | 0.9907% | 4,264 |
| Net interest margin | 4.0041% | 2,669 |
| Noninterest income to average assets | 0.1502% | 6,653 |
| Noninterest expense to average assets | 3.8724% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0751% | 6,156 |
| Return on assets (ROA) | 0.0751% | 6,215 |
| Pretax return on assets | 0.1264% | 6,117 |
| Return on Equity (ROE) | 0.3657% | 6,289 |
| Retained earnings to average equity (ytd only) | 0.3657% | 5,668 |
| Net charge-offs to loans | -0.0978% | 7,080 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8379% | 882 |
| Assets per employee ($millions) | 4.0163% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5454% | 7,258 |
| Loan loss allowance to noncurrent loans | 21.7235% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 3.1362% | 2,200 |
| Noncurrent loans to loans | 2.5107% | 2,974 |
| Net loans and leases to total assets | 87.8964% | 81 |
| Net loans and leases to deposits | 113.0286% | 142 |
| Net loans and leases to core deposits | 117.4760% | 490 |
| Total domestic deposits to total assets | 77.7647% | 6,404 |
| Equity capital to assets | 20.7095% | 221 |
| Core capital (leverage) ratio | 20.7095% | 193 |
| Tier 1 risk-based capital ratio | 26.1787% | 771 |
| Total risk-based capital ratio | 26.7880% | 807 |
| Memoranda: | ||
| Average total assets | $101,228,500 | 4,970 |
| Average earning assets | $97,300,500 | 4,812 |
| Average equity | $20,784,500 | 3,015 |
| Average total loans | $89,980,000 | 3,978 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 2,647 |
| Cost of funding earning assets | 1.2927% | 3,929 |
| Net interest margin | 4.1132% | 2,507 |
| Noninterest income to average assets | 0.1181% | 6,817 |
| Noninterest expense to average assets | 3.3162% | 2,683 |
| Loan and lease loss provision to assets | 0.1921% | 5,307 |
| Net operating income to assets | 0.3659% | 4,692 |
| Return on assets (ROA) | 0.3659% | 4,843 |
| Pretax return on assets | 0.6098% | 4,288 |
| Return on Equity (ROE) | 1.8542% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.8542% | 4,563 |
| Net charge-offs to loans | 0.1298% | 5,600 |
| Credit loss provision to net charge-offs | 162.6016% | 2,136 |
| Earnings coverage of net charge-offs (x) | 6.7886% | 2,275 |
| Efficiency ratio | 80.5271% | 2,341 |
| Assets per employee ($millions) | 4.0820% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5065% | 7,351 |
| Loan loss allowance to noncurrent loans | 27.3211% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 2.7301% | 2,556 |
| Noncurrent loans to loans | 1.8537% | 3,748 |
| Net loans and leases to total assets | 88.9367% | 75 |
| Net loans and leases to deposits | 113.9587% | 176 |
| Net loans and leases to core deposits | 117.7985% | 588 |
| Total domestic deposits to total assets | 78.0429% | 6,304 |
| Equity capital to assets | 20.3579% | 239 |
| Core capital (leverage) ratio | 20.3579% | 215 |
| Tier 1 risk-based capital ratio | 25.6786% | 789 |
| Total risk-based capital ratio | 26.2496% | 827 |
| Memoranda: | ||
| Average total assets | $104,124,800 | 4,867 |
| Average earning assets | $101,259,600 | 4,694 |
| Average equity | $20,547,800 | 3,071 |
| Average total loans | $94,778,800 | 3,932 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 2,775 |
| Cost of funding earning assets | 1.3421% | 3,961 |
| Net interest margin | 4.0812% | 2,700 |
| Noninterest income to average assets | 0.1147% | 6,974 |
| Noninterest expense to average assets | 3.4108% | 2,263 |
| Loan and lease loss provision to assets | 0.1605% | 5,432 |
| Net operating income to assets | 0.2574% | 5,323 |
| Return on assets (ROA) | 0.2574% | 5,481 |
| Pretax return on assets | 0.5186% | 4,863 |
| Return on Equity (ROE) | 1.3144% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.3144% | 5,284 |
| Net charge-offs to loans | 0.1380% | 5,196 |
| Credit loss provision to net charge-offs | 127.2727% | 3,200 |
| Earnings coverage of net charge-offs (x) | 5.3837% | 2,758 |
| Efficiency ratio | 83.3956% | 1,903 |
| Assets per employee ($millions) | 4.0065% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4308% | 7,505 |
| Loan loss allowance to noncurrent loans | 23.2948% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 2.6966% | 2,676 |
| Noncurrent loans to loans | 1.8492% | 3,867 |
| Net loans and leases to total assets | 89.4238% | 71 |
| Net loans and leases to deposits | 115.3287% | 169 |
| Net loans and leases to core deposits | 119.6222% | 627 |
| Total domestic deposits to total assets | 77.5382% | 6,360 |
| Equity capital to assets | 19.7719% | 298 |
| Core capital (leverage) ratio | 19.7719% | 253 |
| Tier 1 risk-based capital ratio | 24.9114% | 865 |
| Total risk-based capital ratio | 25.3988% | 905 |
| Memoranda: | ||
| Average total assets | $104,643,750 | 4,916 |
| Average earning assets | $101,928,500 | 4,729 |
| Average equity | $20,491,000 | 3,123 |
| Average total loans | $95,668,250 | 3,977 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4418% | 2,794 |
| Cost of funding earning assets | 1.3942% | 3,908 |
| Net interest margin | 4.0476% | 2,801 |
| Noninterest income to average assets | 0.1183% | 7,011 |
| Noninterest expense to average assets | 3.4446% | 2,154 |
| Loan and lease loss provision to assets | 0.1145% | 5,758 |
| Net operating income to assets | 0.2595% | 5,336 |
| Return on assets (ROA) | 0.2595% | 5,478 |
| Pretax return on assets | 0.5095% | 4,878 |
| Return on Equity (ROE) | 1.3297% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.3297% | 5,220 |
| Net charge-offs to loans | 0.2055% | 4,386 |
| Credit loss provision to net charge-offs | 60.6061% | 5,195 |
| Earnings coverage of net charge-offs (x) | 3.3030% | 3,377 |
| Efficiency ratio | 84.6623% | 1,848 |
| Assets per employee ($millions) | 4.0017% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4418% | 7,569 |
| Loan loss allowance to noncurrent loans | 16.4793% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 2.7152% | 2,657 |
| Noncurrent loans to loans | 2.6812% | 2,968 |
| Net loans and leases to total assets | 92.0400% | 30 |
| Net loans and leases to deposits | 118.5978% | 145 |
| Net loans and leases to core deposits | 123.0144% | 601 |
| Total domestic deposits to total assets | 77.6068% | 6,367 |
| Equity capital to assets | 19.7318% | 298 |
| Core capital (leverage) ratio | 19.7318% | 260 |
| Tier 1 risk-based capital ratio | 24.3552% | 907 |
| Total risk-based capital ratio | 24.8594% | 967 |
| Memoranda: | ||
| Average total assets | $104,802,330 | 4,946 |
| Average earning assets | $102,282,330 | 4,740 |
| Average equity | $20,456,000 | 3,115 |
| Average total loans | $96,373,000 | 4,004 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4327% | 2,887 |
| Cost of funding earning assets | 1.4614% | 3,798 |
| Net interest margin | 3.9712% | 2,992 |
| Noninterest income to average assets | 0.1179% | 7,104 |
| Noninterest expense to average assets | 3.6775% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1901% | 5,719 |
| Return on assets (ROA) | 0.1901% | 5,844 |
| Pretax return on assets | 0.3156% | 5,557 |
| Return on Equity (ROE) | 0.9795% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.9795% | 5,423 |
| Net charge-offs to loans | 0.0456% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.5455% | 2,073 |
| Efficiency ratio | 92.0952% | 1,272 |
| Assets per employee ($millions) | 4.0383% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4694% | 7,619 |
| Loan loss allowance to noncurrent loans | 17.5377% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 2.6982% | 2,698 |
| Noncurrent loans to loans | 2.6763% | 2,997 |
| Net loans and leases to total assets | 91.4902% | 41 |
| Net loans and leases to deposits | 117.9905% | 167 |
| Net loans and leases to core deposits | 123.7338% | 652 |
| Total domestic deposits to total assets | 77.5403% | 6,439 |
| Equity capital to assets | 19.4710% | 309 |
| Core capital (leverage) ratio | 19.4710% | 283 |
| Tier 1 risk-based capital ratio | 24.1941% | 949 |
| Total risk-based capital ratio | 24.7302% | 990 |
| Memoranda: | ||
| Average total assets | $105,181,000 | 5,003 |
| Average earning assets | $102,638,000 | 4,794 |
| Average equity | $20,419,000 | 3,145 |
| Average total loans | $96,465,500 | 4,064 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8999% | 2,237 |
| Cost of funding earning assets | 1.8529% | 3,721 |
| Net interest margin | 4.0470% | 2,665 |
| Noninterest income to average assets | 0.1145% | 7,184 |
| Noninterest expense to average assets | 3.3466% | 2,848 |
| Loan and lease loss provision to assets | 0.0709% | 6,870 |
| Net operating income to assets | 0.3935% | 4,153 |
| Return on assets (ROA) | 0.3935% | 4,248 |
| Pretax return on assets | 0.6574% | 3,717 |
| Return on Equity (ROE) | 2.0641% | 4,879 |
| Retained earnings to average equity (ytd only) | 2.0641% | 3,663 |
| Net charge-offs to loans | 0.0460% | 6,646 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 17.1111% | 1,208 |
| Efficiency ratio | 82.1263% | 2,578 |
| Assets per employee ($millions) | 4.0525% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4812% | 7,683 |
| Loan loss allowance to noncurrent loans | 23.6253% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 2.1041% | 3,266 |
| Noncurrent loans to loans | 2.0370% | 3,602 |
| Net loans and leases to total assets | 91.0663% | 61 |
| Net loans and leases to deposits | 118.1777% | 200 |
| Net loans and leases to core deposits | 203.4821% | 94 |
| Total domestic deposits to total assets | 77.0588% | 6,464 |
| Equity capital to assets | 19.3556% | 342 |
| Core capital (leverage) ratio | 19.3556% | 318 |
| Tier 1 risk-based capital ratio | 24.1503% | 936 |
| Total risk-based capital ratio | 24.6998% | 977 |
| Memoranda: | ||
| Average total assets | $105,719,000 | 4,935 |
| Average earning assets | $103,460,200 | 4,742 |
| Average equity | $20,154,400 | 3,170 |
| Average total loans | $97,811,200 | 4,013 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9080% | 2,414 |
| Cost of funding earning assets | 1.9582% | 3,577 |
| Net interest margin | 3.9498% | 3,036 |
| Noninterest income to average assets | 0.1147% | 7,321 |
| Noninterest expense to average assets | 3.3998% | 2,576 |
| Loan and lease loss provision to assets | 0.0542% | 6,834 |
| Net operating income to assets | 0.3188% | 4,725 |
| Return on assets (ROA) | 0.3188% | 4,832 |
| Pretax return on assets | 0.5292% | 4,425 |
| Return on Equity (ROE) | 1.6787% | 5,275 |
| Retained earnings to average equity (ytd only) | 1.6787% | 4,371 |
| Net charge-offs to loans | -0.0258% | 7,783 |
| Credit loss provision to net charge-offs | -226.3158% | 7,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3527% | 2,147 |
| Assets per employee ($millions) | 4.0265% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5293% | 7,675 |
| Loan loss allowance to noncurrent loans | 18.9554% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 2.6154% | 2,661 |
| Noncurrent loans to loans | 2.7924% | 2,721 |
| Net loans and leases to total assets | 93.1645% | 33 |
| Net loans and leases to deposits | 122.1088% | 170 |
| Net loans and leases to core deposits | 206.1944% | 91 |
| Total domestic deposits to total assets | 76.2962% | 6,529 |
| Equity capital to assets | 19.3250% | 387 |
| Core capital (leverage) ratio | 19.3250% | 354 |
| Tier 1 risk-based capital ratio | 23.7492% | 1,027 |
| Total risk-based capital ratio | 24.3585% | 1,069 |
| Memoranda: | ||
| Average total assets | $105,807,500 | 4,960 |
| Average earning assets | $103,630,250 | 4,775 |
| Average equity | $20,094,500 | 3,215 |
| Average total loans | $98,160,000 | 4,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0226% | 2,088 |
| Cost of funding earning assets | 2.0480% | 3,529 |
| Net interest margin | 3.9746% | 2,813 |
| Noninterest income to average assets | 0.1168% | 7,405 |
| Noninterest expense to average assets | 3.4959% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3089% | 4,854 |
| Return on assets (ROA) | 0.3089% | 4,966 |
| Pretax return on assets | 0.5105% | 4,586 |
| Return on Equity (ROE) | 1.6360% | 5,424 |
| Retained earnings to average equity (ytd only) | 1.6360% | 4,426 |
| Net charge-offs to loans | -0.0387% | 7,811 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2591% | 2,100 |
| Assets per employee ($millions) | 4.0172% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 7,800 |
| Loan loss allowance to noncurrent loans | 21.3836% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 2.1312% | 3,017 |
| Noncurrent loans to loans | 2.3018% | 3,133 |
| Net loans and leases to total assets | 92.1337% | 55 |
| Net loans and leases to deposits | 120.7297% | 222 |
| Net loans and leases to core deposits | 205.3082% | 106 |
| Total domestic deposits to total assets | 76.3141% | 6,481 |
| Equity capital to assets | 19.2846% | 431 |
| Core capital (leverage) ratio | 19.2846% | 400 |
| Tier 1 risk-based capital ratio | 24.1020% | 1,024 |
| Total risk-based capital ratio | 24.6715% | 1,075 |
| Memoranda: | ||
| Average total assets | $106,180,670 | 4,987 |
| Average earning assets | $103,908,670 | 4,794 |
| Average equity | $20,049,000 | 3,234 |
| Average total loans | $98,196,330 | 4,058 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9296% | 2,651 |
| Cost of funding earning assets | 2.1180% | 3,570 |
| Net interest margin | 3.8116% | 3,400 |
| Noninterest income to average assets | 0.1084% | 7,490 |
| Noninterest expense to average assets | 3.5311% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1831% | 5,706 |
| Return on assets (ROA) | 0.1831% | 5,884 |
| Pretax return on assets | 0.3027% | 5,674 |
| Return on Equity (ROE) | 0.9799% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.9799% | 5,253 |
| Net charge-offs to loans | -0.0768% | 7,815 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1053% | 1,557 |
| Assets per employee ($millions) | 4.1330% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4823% | 7,843 |
| Loan loss allowance to noncurrent loans | 13.6939% | 7,441 |
| Noncurrent assets plus other real estate owned to assets | 3.2348% | 1,707 |
| Noncurrent loans to loans | 3.5219% | 1,807 |
| Net loans and leases to total assets | 91.4032% | 81 |
| Net loans and leases to deposits | 121.2682% | 264 |
| Net loans and leases to core deposits | 210.3708% | 115 |
| Total domestic deposits to total assets | 75.3727% | 6,632 |
| Equity capital to assets | 18.6370% | 529 |
| Core capital (leverage) ratio | 18.6370% | 481 |
| Tier 1 risk-based capital ratio | 23.2157% | 1,167 |
| Total risk-based capital ratio | 23.7675% | 1,216 |
| Memoranda: | ||
| Average total assets | $107,048,000 | 4,981 |
| Average earning assets | $104,628,000 | 4,784 |
| Average equity | $20,002,500 | 3,261 |
| Average total loans | $98,941,500 | 4,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5119% | 2,900 |
| Cost of funding earning assets | 2.6397% | 3,487 |
| Net interest margin | 3.8722% | 3,699 |
| Noninterest income to average assets | 0.1116% | 7,570 |
| Noninterest expense to average assets | 3.1056% | 3,671 |
| Loan and lease loss provision to assets | 0.0915% | 6,229 |
| Net operating income to assets | 0.4255% | 5,053 |
| Return on assets (ROA) | 0.4255% | 4,871 |
| Pretax return on assets | 0.7064% | 4,380 |
| Return on Equity (ROE) | 2.3503% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.3503% | 3,739 |
| Net charge-offs to loans | 0.3426% | 3,117 |
| Credit loss provision to net charge-offs | 29.1545% | 6,533 |
| Earnings coverage of net charge-offs (x) | 2.5423% | 4,804 |
| Efficiency ratio | 79.5593% | 2,660 |
| Assets per employee ($millions) | 3.8085% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4607% | 7,902 |
| Loan loss allowance to noncurrent loans | 41.7352% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 4,257 |
| Noncurrent loans to loans | 1.1040% | 4,353 |
| Net loans and leases to total assets | 92.5843% | 64 |
| Net loans and leases to deposits | 120.2324% | 383 |
| Net loans and leases to core deposits | 208.2911% | 144 |
| Total domestic deposits to total assets | 77.0044% | 5,992 |
| Equity capital to assets | 18.7344% | 576 |
| Core capital (leverage) ratio | 18.7344% | 534 |
| Tier 1 risk-based capital ratio | 23.3702% | 1,155 |
| Total risk-based capital ratio | 23.9048% | 1,203 |
| Memoranda: | ||
| Average total assets | $109,285,600 | 4,803 |
| Average earning assets | $107,019,600 | 4,595 |
| Average equity | $19,785,000 | 3,265 |
| Average total loans | $100,129,400 | 3,944 |