Home > Cincinnati Federal > Performance and Condition Ratios
Cincinnati Federal, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 2,577 |
| Cost of funding earning assets | 2.1897% | 507 |
| Net interest margin | 2.4557% | 4,187 |
| Noninterest income to average assets | 1.2800% | 467 |
| Noninterest expense to average assets | 3.3423% | 680 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.1592% | 4,276 |
| Return on assets (ROA) | 0.1592% | 4,288 |
| Pretax return on assets | 0.2105% | 4,252 |
| Return on Equity (ROE) | 1.2800% | 4,283 |
| Retained earnings to average equity (ytd only) | 1.2793% | 3,891 |
| 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 | 93.6942% | 273 |
| Assets per employee ($millions) | 4.9384% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 4,164 |
| Loan loss allowance to noncurrent loans | 3,666.6667% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,673 |
| Noncurrent loans to loans | 0.0186% | 3,634 |
| Net loans and leases to total assets | 87.3300% | 105 |
| Net loans and leases to deposits | 126.7140% | 51 |
| Net loans and leases to core deposits | 137.0288% | 254 |
| Total domestic deposits to total assets | 68.9200% | 4,349 |
| Equity capital to assets | 12.3020% | 967 |
| Core capital (leverage) ratio | 12.6449% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6032% | 1,178 |
| Memoranda: | ||
| Average total assets | $306,529,000 | 2,403 |
| Average earning assets | $284,175,750 | 2,388 |
| Average equity | $38,145,500 | 1,930 |
| Average total loans | $266,198,000 | 1,932 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 2,448 |
| Cost of funding earning assets | 1.9689% | 529 |
| Net interest margin | 2.6146% | 4,096 |
| Noninterest income to average assets | 1.2100% | 434 |
| Noninterest expense to average assets | 3.3994% | 600 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1738% | 4,309 |
| Return on assets (ROA) | 0.1738% | 4,333 |
| Pretax return on assets | 0.2275% | 4,291 |
| Return on Equity (ROE) | 1.3900% | 4,340 |
| Retained earnings to average equity (ytd only) | 1.3910% | 3,846 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.2744% | 277 |
| Assets per employee ($millions) | 4.8660% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 4,184 |
| Loan loss allowance to noncurrent loans | 3,596.1538% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,666 |
| Noncurrent loans to loans | 0.0195% | 3,622 |
| Net loans and leases to total assets | 86.5800% | 129 |
| Net loans and leases to deposits | 126.7078% | 64 |
| Net loans and leases to core deposits | 129.9518% | 328 |
| Total domestic deposits to total assets | 68.3300% | 4,401 |
| Equity capital to assets | 12.4569% | 939 |
| Core capital (leverage) ratio | 12.7842% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9814% | 1,129 |
| Memoranda: | ||
| Average total assets | $304,999,000 | 2,414 |
| Average earning assets | $282,799,000 | 2,407 |
| Average equity | $38,102,667 | 1,938 |
| Average total loans | $263,737,667 | 1,936 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 2,473 |
| Cost of funding earning assets | 1.7668% | 483 |
| Net interest margin | 2.6615% | 4,133 |
| Noninterest income to average assets | 1.5600% | 312 |
| Noninterest expense to average assets | 3.3318% | 666 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5351% | 3,823 |
| Return on assets (ROA) | 0.5351% | 3,783 |
| Pretax return on assets | 0.6850% | 3,694 |
| Return on Equity (ROE) | 4.2800% | 3,996 |
| Retained earnings to average equity (ytd only) | 4.2775% | 3,188 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.3453% | 688 |
| Assets per employee ($millions) | 4.8415% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 4,231 |
| Loan loss allowance to noncurrent loans | 3,528.3019% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 3,646 |
| Noncurrent loans to loans | 0.0202% | 3,634 |
| Net loans and leases to total assets | 85.5900% | 150 |
| Net loans and leases to deposits | 115.1460% | 121 |
| Net loans and leases to core deposits | 123.4383% | 375 |
| Total domestic deposits to total assets | 74.3300% | 4,267 |
| Equity capital to assets | 12.5678% | 853 |
| Core capital (leverage) ratio | 12.8725% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3744% | 1,096 |
| Memoranda: | ||
| Average total assets | $304,218,000 | 2,445 |
| Average earning assets | $282,545,000 | 2,439 |
| Average equity | $38,060,000 | 1,961 |
| Average total loans | $261,961,500 | 1,963 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 1,974 |
| Cost of funding earning assets | 0.7172% | 541 |
| Net interest margin | 3.1864% | 2,909 |
| Noninterest income to average assets | 1.9200% | 265 |
| Noninterest expense to average assets | 4.0167% | 332 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6131% | 3,854 |
| Return on assets (ROA) | 0.6131% | 3,802 |
| Pretax return on assets | 0.7867% | 3,661 |
| Return on Equity (ROE) | 4.5500% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.5390% | 3,842 |
| Net charge-offs to loans | -0.0026% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.3682% | 575 |
| Assets per employee ($millions) | 4.8162% | 3,805 |
| Cash dividends to net income (ytd only)* | 44.1436% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 4,197 |
| Loan loss allowance to noncurrent loans | 3,435.1852% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,672 |
| Noncurrent loans to loans | 0.0207% | 3,662 |
| Net loans and leases to total assets | 85.4100% | 190 |
| Net loans and leases to deposits | 110.7707% | 147 |
| Net loans and leases to core deposits | 112.4848% | 535 |
| Total domestic deposits to total assets | 77.1000% | 4,162 |
| Equity capital to assets | 12.4534% | 817 |
| Core capital (leverage) ratio | 13.0859% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8893% | 1,146 |
| Memoranda: | ||
| Average total assets | $277,115,600 | 2,563 |
| Average earning assets | $255,997,000 | 2,571 |
| Average equity | $37,376,200 | 2,022 |
| Average total loans | $233,993,800 | 2,030 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 1,873 |
| Cost of funding earning assets | 0.5390% | 610 |
| Net interest margin | 3.2171% | 2,577 |
| Noninterest income to average assets | 2.3000% | 227 |
| Noninterest expense to average assets | 4.2388% | 283 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7383% | 3,454 |
| Return on assets (ROA) | 0.7383% | 3,400 |
| Pretax return on assets | 0.9448% | 3,197 |
| Return on Equity (ROE) | 5.3600% | 3,911 |
| Retained earnings to average equity (ytd only) | 2.6756% | 3,867 |
| Net charge-offs to loans | -0.0035% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.4272% | 749 |
| Assets per employee ($millions) | 4.1730% | 4,239 |
| Cash dividends to net income (ytd only)* | 50.0668% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 4,205 |
| Loan loss allowance to noncurrent loans | 3,396.2963% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,765 |
| Noncurrent loans to loans | 0.0216% | 3,751 |
| Net loans and leases to total assets | 85.0000% | 182 |
| Net loans and leases to deposits | 107.2557% | 169 |
| Net loans and leases to core deposits | 110.8991% | 444 |
| Total domestic deposits to total assets | 79.2500% | 4,164 |
| Equity capital to assets | 12.8632% | 698 |
| Core capital (leverage) ratio | 13.2691% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1291% | 1,150 |
| Memoranda: | ||
| Average total assets | $270,539,750 | 2,621 |
| Average earning assets | $249,327,500 | 2,634 |
| Average equity | $37,273,750 | 2,053 |
| Average total loans | $227,241,750 | 2,067 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 1,984 |
| Cost of funding earning assets | 0.3772% | 1,067 |
| Net interest margin | 3.1767% | 2,264 |
| Noninterest income to average assets | 2.0429% | 226 |
| Noninterest expense to average assets | 4.3122% | 232 |
| Loan and lease loss provision to assets | 0.1018% | 979 |
| Net operating income to assets | 0.4291% | 4,054 |
| Return on assets (ROA) | 0.4291% | 4,005 |
| Pretax return on assets | 0.5521% | 3,917 |
| Return on Equity (ROE) | 3.0398% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.0398% | 3,431 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6646% | 553 |
| Assets per employee ($millions) | 3.8645% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 4,261 |
| Loan loss allowance to noncurrent loans | 3,346.2963% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,816 |
| Noncurrent loans to loans | 0.0224% | 3,793 |
| Net loans and leases to total assets | 84.7766% | 146 |
| Net loans and leases to deposits | 105.7622% | 135 |
| Net loans and leases to core deposits | 106.3581% | 439 |
| Total domestic deposits to total assets | 80.1578% | 4,213 |
| Equity capital to assets | 13.2493% | 621 |
| Core capital (leverage) ratio | 14.1855% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8123% | 1,018 |
| Memoranda: | ||
| Average total assets | $263,348,667 | 2,688 |
| Average earning assets | $242,328,667 | 2,708 |
| Average equity | $37,173,333 | 2,104 |
| Average total loans | $219,617,000 | 2,112 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4829% | 1,861 |
| Cost of funding earning assets | 0.3327% | 1,348 |
| Net interest margin | 3.1502% | 2,021 |
| Noninterest income to average assets | 2.4869% | 184 |
| Noninterest expense to average assets | 4.5344% | 200 |
| Loan and lease loss provision to assets | 0.0331% | 1,775 |
| Net operating income to assets | 0.6347% | 3,278 |
| Return on assets (ROA) | 0.6347% | 3,259 |
| Pretax return on assets | 0.8127% | 3,073 |
| Return on Equity (ROE) | 4.3484% | 3,795 |
| Retained earnings to average equity (ytd only) | 4.3484% | 2,821 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1042% | 840 |
| Assets per employee ($millions) | 3.3686% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 4,249 |
| Loan loss allowance to noncurrent loans | 3,080.0000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,801 |
| Noncurrent loans to loans | 0.0259% | 3,810 |
| Net loans and leases to total assets | 82.3523% | 145 |
| Net loans and leases to deposits | 97.6960% | 240 |
| Net loans and leases to core deposits | 98.0764% | 572 |
| Total domestic deposits to total assets | 84.2944% | 3,707 |
| Equity capital to assets | 14.5631% | 438 |
| Core capital (leverage) ratio | 14.8973% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4478% | 837 |
| Memoranda: | ||
| Average total assets | $253,970,000 | 2,760 |
| Average earning assets | $233,256,500 | 2,778 |
| Average equity | $37,071,500 | 2,171 |
| Average total loans | $208,942,000 | 2,174 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 2,347 |
| Cost of funding earning assets | 0.6951% | 333 |
| Net interest margin | 2.9179% | 3,401 |
| Noninterest income to average assets | 3.9087% | 140 |
| Noninterest expense to average assets | 5.5969% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7812% | 3,388 |
| Return on assets (ROA) | 0.7812% | 3,458 |
| Pretax return on assets | 0.9929% | 3,279 |
| Return on Equity (ROE) | 5.3271% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.3271% | 2,658 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7974% | 531 |
| Assets per employee ($millions) | 3.2299% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 4,246 |
| Loan loss allowance to noncurrent loans | 1,394.1667% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,658 |
| Noncurrent loans to loans | 0.0584% | 3,660 |
| Net loans and leases to total assets | 80.8506% | 228 |
| Net loans and leases to deposits | 96.1037% | 312 |
| Net loans and leases to core deposits | 96.5973% | 668 |
| Total domestic deposits to total assets | 84.1285% | 3,525 |
| Equity capital to assets | 14.6310% | 551 |
| Core capital (leverage) ratio | 14.6608% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0146% | 754 |
| Memoranda: | ||
| Average total assets | $245,655,400 | 2,760 |
| Average earning assets | $225,712,800 | 2,775 |
| Average equity | $36,023,600 | 2,239 |
| Average total loans | $197,535,400 | 2,247 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 2,506 |
| Cost of funding earning assets | 0.7851% | 260 |
| Net interest margin | 2.8309% | 3,707 |
| Noninterest income to average assets | 4.2235% | 130 |
| Noninterest expense to average assets | 5.7699% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8319% | 3,440 |
| Return on assets (ROA) | 0.8319% | 3,501 |
| Pretax return on assets | 1.0553% | 3,309 |
| Return on Equity (ROE) | 5.6698% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.6698% | 2,969 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4018% | 500 |
| Assets per employee ($millions) | 3.1076% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 4,336 |
| Loan loss allowance to noncurrent loans | 1,286.9231% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 3,789 |
| Noncurrent loans to loans | 0.0626% | 3,783 |
| Net loans and leases to total assets | 82.8084% | 151 |
| Net loans and leases to deposits | 106.7078% | 124 |
| Net loans and leases to core deposits | 107.3069% | 387 |
| Total domestic deposits to total assets | 77.6029% | 4,455 |
| Equity capital to assets | 14.6108% | 612 |
| Core capital (leverage) ratio | 14.6005% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6416% | 871 |
| Memoranda: | ||
| Average total assets | $244,086,750 | 2,789 |
| Average earning assets | $224,327,000 | 2,811 |
| Average equity | $35,814,500 | 2,283 |
| Average total loans | $195,579,250 | 2,297 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 3,071 |
| Cost of funding earning assets | 0.8997% | 189 |
| Net interest margin | 2.5341% | 4,266 |
| Noninterest income to average assets | 4.6302% | 122 |
| Noninterest expense to average assets | 5.3574% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2738% | 1,936 |
| Return on assets (ROA) | 1.2738% | 2,014 |
| Pretax return on assets | 1.6019% | 1,730 |
| Return on Equity (ROE) | 8.6688% | 3,205 |
| Retained earnings to average equity (ytd only) | 8.6688% | 1,828 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8511% | 1,003 |
| Assets per employee ($millions) | 3.1230% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 4,352 |
| Loan loss allowance to noncurrent loans | 645.9459% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,531 |
| Noncurrent loans to loans | 0.1252% | 3,562 |
| Net loans and leases to total assets | 82.1344% | 210 |
| Net loans and leases to deposits | 124.7034% | 45 |
| Net loans and leases to core deposits | 126.1182% | 160 |
| Total domestic deposits to total assets | 65.8638% | 4,823 |
| Equity capital to assets | 14.4999% | 617 |
| Core capital (leverage) ratio | 15.2489% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7700% | 846 |
| Memoranda: | ||
| Average total assets | $242,581,000 | 2,796 |
| Average earning assets | $222,960,667 | 2,811 |
| Average equity | $35,645,000 | 2,286 |
| Average total loans | $191,593,000 | 2,336 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 2,958 |
| Cost of funding earning assets | 0.9108% | 211 |
| Net interest margin | 2.5794% | 4,187 |
| Noninterest income to average assets | 5.9728% | 107 |
| Noninterest expense to average assets | 5.4187% | 149 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3118% | 354 |
| Return on assets (ROA) | 2.3118% | 380 |
| Pretax return on assets | 2.9245% | 250 |
| Return on Equity (ROE) | 15.6248% | 1,088 |
| Retained earnings to average equity (ytd only) | 15.6248% | 555 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8274% | 2,366 |
| Assets per employee ($millions) | 3.2979% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,159 |
| Loan loss allowance to noncurrent loans | 643.4615% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 3,631 |
| Noncurrent loans to loans | 0.1396% | 3,622 |
| Net loans and leases to total assets | 76.6481% | 574 |
| Net loans and leases to deposits | 113.0195% | 112 |
| Net loans and leases to core deposits | 114.3077% | 317 |
| Total domestic deposits to total assets | 67.8185% | 4,808 |
| Equity capital to assets | 14.9672% | 499 |
| Core capital (leverage) ratio | 15.1486% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9656% | 587 |
| Memoranda: | ||
| Average total assets | $238,950,000 | 2,807 |
| Average earning assets | $219,588,000 | 2,823 |
| Average equity | $35,354,000 | 2,288 |
| Average total loans | $183,949,500 | 2,409 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 3,582 |
| Cost of funding earning assets | 1.1951% | 284 |
| Net interest margin | 2.5027% | 4,590 |
| Noninterest income to average assets | 4.4604% | 124 |
| Noninterest expense to average assets | 4.8334% | 206 |
| Loan and lease loss provision to assets | 0.1130% | 2,935 |
| Net operating income to assets | 1.4520% | 914 |
| Return on assets (ROA) | 1.4520% | 993 |
| Pretax return on assets | 1.8297% | 640 |
| Return on Equity (ROE) | 11.0743% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.0743% | 427 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1922% | 1,783 |
| Assets per employee ($millions) | 3.2048% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,126 |
| Loan loss allowance to noncurrent loans | 961.4943% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,968 |
| Noncurrent loans to loans | 0.0958% | 3,914 |
| Net loans and leases to total assets | 75.9109% | 799 |
| Net loans and leases to deposits | 112.0764% | 140 |
| Net loans and leases to core deposits | 113.3709% | 424 |
| Total domestic deposits to total assets | 67.7314% | 4,823 |
| Equity capital to assets | 14.6214% | 650 |
| Core capital (leverage) ratio | 14.7812% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9802% | 586 |
| Memoranda: | ||
| Average total assets | $234,578,000 | 2,686 |
| Average earning assets | $217,045,200 | 2,694 |
| Average equity | $30,756,000 | 2,446 |
| Average total loans | $185,822,400 | 2,364 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 3,639 |
| Cost of funding earning assets | 1.2515% | 305 |
| Net interest margin | 2.5202% | 4,640 |
| Noninterest income to average assets | 3.4527% | 157 |
| Noninterest expense to average assets | 4.5858% | 240 |
| Loan and lease loss provision to assets | 0.0372% | 3,888 |
| Net operating income to assets | 0.9302% | 2,597 |
| Return on assets (ROA) | 0.9302% | 2,728 |
| Pretax return on assets | 1.1655% | 2,504 |
| Return on Equity (ROE) | 7.3077% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.3077% | 1,586 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0567% | 936 |
| Assets per employee ($millions) | 3.3636% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 4,416 |
| Loan loss allowance to noncurrent loans | 841.7143% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,055 |
| Noncurrent loans to loans | 0.0924% | 3,998 |
| Net loans and leases to total assets | 80.9932% | 521 |
| Net loans and leases to deposits | 120.8691% | 105 |
| Net loans and leases to core deposits | 122.8333% | 357 |
| Total domestic deposits to total assets | 67.0091% | 4,830 |
| Equity capital to assets | 14.1712% | 813 |
| Core capital (leverage) ratio | 14.3032% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3865% | 743 |
| Memoranda: | ||
| Average total assets | $233,934,250 | 2,683 |
| Average earning assets | $216,804,000 | 2,681 |
| Average equity | $29,776,250 | 2,486 |
| Average total loans | $186,853,500 | 2,359 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 3,750 |
| Cost of funding earning assets | 1.3056% | 354 |
| Net interest margin | 2.5414% | 4,706 |
| Noninterest income to average assets | 2.4166% | 232 |
| Noninterest expense to average assets | 4.0827% | 376 |
| Loan and lease loss provision to assets | 0.0554% | 3,607 |
| Net operating income to assets | 0.5184% | 3,960 |
| Return on assets (ROA) | 0.5184% | 4,047 |
| Pretax return on assets | 0.6353% | 3,994 |
| Return on Equity (ROE) | 4.2313% | 4,042 |
| Retained earnings to average equity (ytd only) | 4.2313% | 2,808 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3340% | 570 |
| Assets per employee ($millions) | 3.7161% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 4,333 |
| Loan loss allowance to noncurrent loans | 856.3953% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 4,160 |
| Noncurrent loans to loans | 0.0939% | 4,088 |
| Net loans and leases to total assets | 77.5932% | 905 |
| Net loans and leases to deposits | 114.9363% | 145 |
| Net loans and leases to core deposits | 117.4693% | 489 |
| Total domestic deposits to total assets | 67.5097% | 4,853 |
| Equity capital to assets | 13.6035% | 956 |
| Core capital (leverage) ratio | 13.6703% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7054% | 701 |
| Memoranda: | ||
| Average total assets | $234,548,667 | 2,645 |
| Average earning assets | $217,517,333 | 2,649 |
| Average equity | $28,738,333 | 2,533 |
| Average total loans | $185,987,667 | 2,348 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8981% | 4,039 |
| Cost of funding earning assets | 1.3783% | 437 |
| Net interest margin | 2.5198% | 4,813 |
| Noninterest income to average assets | 0.8502% | 1,165 |
| Noninterest expense to average assets | 3.4707% | 976 |
| Loan and lease loss provision to assets | 0.1107% | 2,300 |
| Net operating income to assets | -0.2914% | 4,886 |
| Return on assets (ROA) | -0.2914% | 4,858 |
| Pretax return on assets | -0.3919% | 4,860 |
| Return on Equity (ROE) | -2.5162% | 4,854 |
| Retained earnings to average equity (ytd only) | -2.5162% | 4,299 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1731% | 153 |
| Assets per employee ($millions) | 3.5012% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 4,469 |
| Loan loss allowance to noncurrent loans | 1,339.0909% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,359 |
| Noncurrent loans to loans | 0.0576% | 4,323 |
| Net loans and leases to total assets | 83.2660% | 328 |
| Net loans and leases to deposits | 125.6355% | 56 |
| Net loans and leases to core deposits | 128.5285% | 290 |
| Total domestic deposits to total assets | 66.2759% | 4,953 |
| Equity capital to assets | 13.6089% | 1,175 |
| Core capital (leverage) ratio | 13.5630% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1411% | 845 |
| Memoranda: | ||
| Average total assets | $234,765,000 | 2,600 |
| Average earning assets | $217,950,000 | 2,587 |
| Average equity | $27,183,500 | 2,631 |
| Average total loans | $187,416,000 | 2,283 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 3,517 |
| Cost of funding earning assets | 1.4663% | 437 |
| Net interest margin | 2.8432% | 4,716 |
| Noninterest income to average assets | 1.3793% | 505 |
| Noninterest expense to average assets | 3.4471% | 1,034 |
| Loan and lease loss provision to assets | 0.0116% | 3,781 |
| Net operating income to assets | 0.4546% | 4,497 |
| Return on assets (ROA) | 0.4546% | 4,531 |
| Pretax return on assets | 0.5436% | 4,502 |
| Return on Equity (ROE) | 4.2597% | 4,406 |
| Retained earnings to average equity (ytd only) | 0.9864% | 4,385 |
| Net charge-offs to loans | 0.0115% | 3,277 |
| Credit loss provision to net charge-offs | 119.0476% | 2,127 |
| Earnings coverage of net charge-offs (x) | 56.7619% | 1,023 |
| Efficiency ratio | 85.8706% | 547 |
| Assets per employee ($millions) | 4.2448% | 3,587 |
| Cash dividends to net income (ytd only)* | 76.8443% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 4,405 |
| Loan loss allowance to noncurrent loans | 1,268.4685% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,409 |
| Noncurrent loans to loans | 0.0604% | 4,299 |
| Net loans and leases to total assets | 75.4099% | 1,524 |
| Net loans and leases to deposits | 107.8123% | 227 |
| Net loans and leases to core deposits | 109.7758% | 867 |
| Total domestic deposits to total assets | 69.9456% | 4,938 |
| Equity capital to assets | 9.6697% | 4,207 |
| Core capital (leverage) ratio | 10.2324% | 3,265 |
| Tier 1 risk-based capital ratio | 15.3980% | 2,619 |
| Total risk-based capital ratio | 16.3210% | 2,684 |
| Memoranda: | ||
| Average total assets | $214,671,000 | 2,711 |
| Average earning assets | $198,052,600 | 2,724 |
| Average equity | $22,912,400 | 2,873 |
| Average total loans | $182,147,800 | 2,295 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 3,257 |
| Cost of funding earning assets | 1.4705% | 452 |
| Net interest margin | 2.9634% | 4,675 |
| Noninterest income to average assets | 1.2784% | 563 |
| Noninterest expense to average assets | 3.5120% | 931 |
| Loan and lease loss provision to assets | 0.0160% | 3,589 |
| Net operating income to assets | 0.3868% | 4,745 |
| Return on assets (ROA) | 0.3868% | 4,768 |
| Pretax return on assets | 0.4779% | 4,727 |
| Return on Equity (ROE) | 3.5275% | 4,672 |
| Retained earnings to average equity (ytd only) | -0.8600% | 4,848 |
| Net charge-offs to loans | 0.0154% | 2,847 |
| Credit loss provision to net charge-offs | 119.0476% | 1,966 |
| Earnings coverage of net charge-offs (x) | 36.6657% | 1,442 |
| Efficiency ratio | 87.3979% | 432 |
| Assets per employee ($millions) | 4.0279% | 3,863 |
| Cash dividends to net income (ytd only)* | 124.3787% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 4,576 |
| Loan loss allowance to noncurrent loans | 2,707.6923% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 4,627 |
| Noncurrent loans to loans | 0.0272% | 4,551 |
| Net loans and leases to total assets | 85.6908% | 209 |
| Net loans and leases to deposits | 135.1762% | 31 |
| Net loans and leases to core deposits | 138.6342% | 198 |
| Total domestic deposits to total assets | 63.3920% | 5,133 |
| Equity capital to assets | 10.3775% | 3,658 |
| Core capital (leverage) ratio | 10.9755% | 2,668 |
| Tier 1 risk-based capital ratio | 14.6131% | 3,021 |
| Total risk-based capital ratio | 15.5051% | 3,100 |
| Memoranda: | ||
| Average total assets | $207,851,000 | 2,797 |
| Average earning assets | $191,309,250 | 2,805 |
| Average equity | $22,791,500 | 2,908 |
| Average total loans | $181,719,000 | 2,324 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 3,059 |
| Cost of funding earning assets | 1.4241% | 488 |
| Net interest margin | 3.0624% | 4,596 |
| Noninterest income to average assets | 1.2573% | 549 |
| Noninterest expense to average assets | 3.5663% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4083% | 4,722 |
| Return on assets (ROA) | 0.4083% | 4,744 |
| Pretax return on assets | 0.5047% | 4,694 |
| Return on Equity (ROE) | 3.6523% | 4,660 |
| Retained earnings to average equity (ytd only) | -2.9483% | 4,969 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3369% | 475 |
| Assets per employee ($millions) | 3.9701% | 3,906 |
| Cash dividends to net income (ytd only)* | 180.7229% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,535 |
| Loan loss allowance to noncurrent loans | 462.1711% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,026 |
| Noncurrent loans to loans | 0.1672% | 3,954 |
| Net loans and leases to total assets | 87.3675% | 137 |
| Net loans and leases to deposits | 128.4697% | 49 |
| Net loans and leases to core deposits | 132.2295% | 283 |
| Total domestic deposits to total assets | 68.0063% | 5,103 |
| Equity capital to assets | 11.0311% | 3,013 |
| Core capital (leverage) ratio | 11.0768% | 2,524 |
| Tier 1 risk-based capital ratio | 15.5543% | 2,606 |
| Total risk-based capital ratio | 16.5115% | 2,665 |
| Memoranda: | ||
| Average total assets | $203,289,330 | 2,846 |
| Average earning assets | $186,782,670 | 2,861 |
| Average equity | $22,725,330 | 2,908 |
| Average total loans | $178,544,000 | 2,358 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 3,278 |
| Cost of funding earning assets | 1.3396% | 578 |
| Net interest margin | 3.0486% | 4,674 |
| Noninterest income to average assets | 0.8309% | 1,211 |
| Noninterest expense to average assets | 3.5496% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0714% | 5,107 |
| Return on assets (ROA) | 0.0714% | 5,112 |
| Pretax return on assets | 0.0793% | 5,109 |
| Return on Equity (ROE) | 0.6343% | 5,106 |
| Retained earnings to average equity (ytd only) | -12.5807% | 5,164 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4863% | 204 |
| Assets per employee ($millions) | 3.9493% | 3,994 |
| Cash dividends to net income (ytd only)* | 2,083.3333% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7772% | 4,584 |
| Loan loss allowance to noncurrent loans | 202.4496% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 2,944 |
| Noncurrent loans to loans | 0.3839% | 3,211 |
| Net loans and leases to total assets | 87.3396% | 128 |
| Net loans and leases to deposits | 125.0786% | 58 |
| Net loans and leases to core deposits | 128.4217% | 328 |
| Total domestic deposits to total assets | 69.8277% | 5,118 |
| Equity capital to assets | 10.8885% | 2,966 |
| Core capital (leverage) ratio | 11.2740% | 2,318 |
| Tier 1 risk-based capital ratio | 15.4021% | 2,702 |
| Total risk-based capital ratio | 16.3679% | 2,742 |
| Memoranda: | ||
| Average total assets | $201,712,000 | 2,890 |
| Average earning assets | $185,133,500 | 2,901 |
| Average equity | $22,701,500 | 2,913 |
| Average total loans | $176,931,000 | 2,398 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 3,500 |
| Cost of funding earning assets | 1.2445% | 283 |
| Net interest margin | 2.9340% | 4,872 |
| Noninterest income to average assets | 1.4441% | 435 |
| Noninterest expense to average assets | 3.5355% | 955 |
| Loan and lease loss provision to assets | 0.0250% | 3,671 |
| Net operating income to assets | 0.4819% | 4,695 |
| Return on assets (ROA) | 0.4819% | 4,697 |
| Pretax return on assets | 0.6166% | 4,604 |
| Return on Equity (ROE) | 4.3690% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.3690% | 3,141 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6390% | 604 |
| Assets per employee ($millions) | 3.6678% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 4,496 |
| Loan loss allowance to noncurrent loans | 188.8441% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 2,852 |
| Noncurrent loans to loans | 0.4298% | 2,998 |
| Net loans and leases to total assets | 86.6848% | 195 |
| Net loans and leases to deposits | 118.7749% | 106 |
| Net loans and leases to core deposits | 121.7939% | 504 |
| Total domestic deposits to total assets | 72.9824% | 5,007 |
| Equity capital to assets | 11.6338% | 2,155 |
| Core capital (leverage) ratio | 11.5303% | 2,081 |
| Tier 1 risk-based capital ratio | 16.5172% | 2,234 |
| Total risk-based capital ratio | 17.5229% | 2,264 |
| Memoranda: | ||
| Average total assets | $179,694,000 | 3,057 |
| Average earning assets | $167,382,600 | 3,050 |
| Average equity | $19,821,600 | 3,101 |
| Average total loans | $158,260,200 | 2,546 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,691 |
| Cost of funding earning assets | 1.1933% | 269 |
| Net interest margin | 2.8893% | 4,988 |
| Noninterest income to average assets | 1.4848% | 432 |
| Noninterest expense to average assets | 3.4112% | 1,103 |
| Loan and lease loss provision to assets | 0.0343% | 3,329 |
| Net operating income to assets | 0.5825% | 4,546 |
| Return on assets (ROA) | 0.5825% | 4,559 |
| Pretax return on assets | 0.7439% | 4,437 |
| Return on Equity (ROE) | 5.3636% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.3636% | 3,021 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4249% | 821 |
| Assets per employee ($millions) | 3.9325% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,291 |
| Loan loss allowance to noncurrent loans | 368.7664% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,864 |
| Noncurrent loans to loans | 0.2420% | 3,829 |
| Net loans and leases to total assets | 88.1608% | 137 |
| Net loans and leases to deposits | 132.4594% | 35 |
| Net loans and leases to core deposits | 136.4421% | 238 |
| Total domestic deposits to total assets | 66.5569% | 5,314 |
| Equity capital to assets | 11.0029% | 2,664 |
| Core capital (leverage) ratio | 11.1821% | 2,429 |
| Tier 1 risk-based capital ratio | 15.3986% | 2,696 |
| Total risk-based capital ratio | 16.4957% | 2,688 |
| Memoranda: | ||
| Average total assets | $175,102,500 | 3,131 |
| Average earning assets | $163,912,250 | 3,115 |
| Average equity | $19,016,500 | 3,199 |
| Average total loans | $154,552,000 | 2,604 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,713 |
| Cost of funding earning assets | 1.1385% | 246 |
| Net interest margin | 2.8866% | 5,027 |
| Noninterest income to average assets | 1.5096% | 425 |
| Noninterest expense to average assets | 3.4869% | 1,011 |
| Loan and lease loss provision to assets | 0.0344% | 3,227 |
| Net operating income to assets | 0.5387% | 4,654 |
| Return on assets (ROA) | 0.5387% | 4,661 |
| Pretax return on assets | 0.6912% | 4,538 |
| Return on Equity (ROE) | 4.9828% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.9828% | 3,085 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7755% | 785 |
| Assets per employee ($millions) | 3.7789% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 4,393 |
| Loan loss allowance to noncurrent loans | 360.1036% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 3,914 |
| Noncurrent loans to loans | 0.2467% | 3,817 |
| Net loans and leases to total assets | 87.3181% | 183 |
| Net loans and leases to deposits | 131.2828% | 38 |
| Net loans and leases to core deposits | 134.9158% | 253 |
| Total domestic deposits to total assets | 66.5115% | 5,375 |
| Equity capital to assets | 10.7755% | 2,861 |
| Core capital (leverage) ratio | 10.9795% | 2,544 |
| Tier 1 risk-based capital ratio | 15.2247% | 2,771 |
| Total risk-based capital ratio | 16.3164% | 2,770 |
| Memoranda: | ||
| Average total assets | $174,482,330 | 3,162 |
| Average earning assets | $163,377,000 | 3,139 |
| Average equity | $18,865,000 | 3,236 |
| Average total loans | $153,597,000 | 2,632 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,759 |
| Cost of funding earning assets | 1.0901% | 239 |
| Net interest margin | 2.8699% | 5,074 |
| Noninterest income to average assets | 1.5082% | 428 |
| Noninterest expense to average assets | 3.4744% | 1,046 |
| Loan and lease loss provision to assets | 0.0347% | 3,042 |
| Net operating income to assets | 0.5413% | 4,603 |
| Return on assets (ROA) | 0.5413% | 4,607 |
| Pretax return on assets | 0.6847% | 4,488 |
| Return on Equity (ROE) | 4.9977% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.9977% | 3,174 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8461% | 872 |
| Assets per employee ($millions) | 3.8900% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,471 |
| Loan loss allowance to noncurrent loans | 954.8611% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,676 |
| Noncurrent loans to loans | 0.0937% | 4,555 |
| Net loans and leases to total assets | 87.0078% | 192 |
| Net loans and leases to deposits | 127.0684% | 52 |
| Net loans and leases to core deposits | 130.5874% | 330 |
| Total domestic deposits to total assets | 68.4732% | 5,405 |
| Equity capital to assets | 10.7757% | 2,798 |
| Core capital (leverage) ratio | 11.0605% | 2,373 |
| Tier 1 risk-based capital ratio | 15.3568% | 2,714 |
| Total risk-based capital ratio | 16.4617% | 2,718 |
| Memoranda: | ||
| Average total assets | $172,920,000 | 3,210 |
| Average earning assets | $161,817,500 | 3,190 |
| Average equity | $18,728,500 | 3,282 |
| Average total loans | $152,159,000 | 2,661 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 3,899 |
| Cost of funding earning assets | 0.9417% | 300 |
| Net interest margin | 2.9034% | 5,037 |
| Noninterest income to average assets | 1.4687% | 487 |
| Noninterest expense to average assets | 3.5085% | 1,017 |
| Loan and lease loss provision to assets | 0.0186% | 3,928 |
| Net operating income to assets | 0.5958% | 4,026 |
| Return on assets (ROA) | 0.5958% | 4,070 |
| Pretax return on assets | 0.6465% | 4,636 |
| Return on Equity (ROE) | 5.2128% | 4,081 |
| Retained earnings to average equity (ytd only) | 1.9649% | 4,143 |
| Net charge-offs to loans | -0.0028% | 4,564 |
| Credit loss provision to net charge-offs | -750.0000% | 5,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0646% | 762 |
| Assets per employee ($millions) | 3.7953% | 4,292 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 4,463 |
| Loan loss allowance to noncurrent loans | 888.8889% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 4,678 |
| Noncurrent loans to loans | 0.1016% | 4,532 |
| Net loans and leases to total assets | 87.4032% | 165 |
| Net loans and leases to deposits | 128.0759% | 54 |
| Net loans and leases to core deposits | 132.7455% | 290 |
| Total domestic deposits to total assets | 68.2433% | 5,466 |
| Equity capital to assets | 10.8871% | 2,744 |
| Core capital (leverage) ratio | 11.3361% | 2,071 |
| Tier 1 risk-based capital ratio | 15.3630% | 2,678 |
| Total risk-based capital ratio | 16.4745% | 2,667 |
| Memoranda: | ||
| Average total assets | $161,637,600 | 3,331 |
| Average earning assets | $150,580,800 | 3,317 |
| Average equity | $18,473,800 | 3,304 |
| Average total loans | $140,977,200 | 2,763 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 3,916 |
| Cost of funding earning assets | 0.9341% | 284 |
| Net interest margin | 2.8914% | 5,097 |
| Noninterest income to average assets | 1.4693% | 497 |
| Noninterest expense to average assets | 3.4832% | 1,021 |
| Loan and lease loss provision to assets | 0.0084% | 3,966 |
| Net operating income to assets | 0.4518% | 4,876 |
| Return on assets (ROA) | 0.4518% | 4,904 |
| Pretax return on assets | 0.6685% | 4,684 |
| Return on Equity (ROE) | 3.9037% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.9037% | 3,598 |
| Net charge-offs to loans | -0.0038% | 4,414 |
| Credit loss provision to net charge-offs | -250.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7289% | 775 |
| Assets per employee ($millions) | 3.7026% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 4,478 |
| Loan loss allowance to noncurrent loans | 1,264.1509% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 4,916 |
| Noncurrent loans to loans | 0.0726% | 4,789 |
| Net loans and leases to total assets | 86.8693% | 210 |
| Net loans and leases to deposits | 129.9506% | 42 |
| Net loans and leases to core deposits | 134.5408% | 276 |
| Total domestic deposits to total assets | 66.8479% | 5,568 |
| Equity capital to assets | 11.2438% | 2,624 |
| Core capital (leverage) ratio | 11.4787% | 2,034 |
| Tier 1 risk-based capital ratio | 15.7589% | 2,606 |
| Total risk-based capital ratio | 16.8739% | 2,605 |
| Memoranda: | ||
| Average total assets | $159,349,750 | 3,385 |
| Average earning assets | $148,297,750 | 3,377 |
| Average equity | $18,443,750 | 3,338 |
| Average total loans | $138,562,750 | 2,820 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 3,870 |
| Cost of funding earning assets | 0.9164% | 274 |
| Net interest margin | 2.8891% | 5,117 |
| Noninterest income to average assets | 1.5854% | 440 |
| Noninterest expense to average assets | 3.4271% | 1,117 |
| Loan and lease loss provision to assets | 0.0127% | 3,699 |
| Net operating income to assets | 0.5582% | 4,482 |
| Return on assets (ROA) | 0.5582% | 4,528 |
| Pretax return on assets | 0.8297% | 4,163 |
| Return on Equity (ROE) | 4.7746% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.7746% | 2,867 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2687% | 1,182 |
| Assets per employee ($millions) | 3.5872% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 4,448 |
| Loan loss allowance to noncurrent loans | 14,844.4444% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,282 |
| Noncurrent loans to loans | 0.0064% | 5,166 |
| Net loans and leases to total assets | 86.9532% | 210 |
| Net loans and leases to deposits | 127.2183% | 52 |
| Net loans and leases to core deposits | 132.0809% | 275 |
| Total domestic deposits to total assets | 68.3496% | 5,585 |
| Equity capital to assets | 11.5174% | 2,311 |
| Core capital (leverage) ratio | 12.0309% | 1,620 |
| Tier 1 risk-based capital ratio | 15.8506% | 2,565 |
| Total risk-based capital ratio | 16.9775% | 2,548 |
| Memoranda: | ||
| Average total assets | $156,927,330 | 3,431 |
| Average earning assets | $145,788,000 | 3,417 |
| Average equity | $18,347,000 | 3,355 |
| Average total loans | $136,057,330 | 2,854 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 3,763 |
| Cost of funding earning assets | 0.9110% | 263 |
| Net interest margin | 2.8889% | 5,108 |
| Noninterest income to average assets | 1.3344% | 581 |
| Noninterest expense to average assets | 3.3360% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4603% | 4,737 |
| Return on assets (ROA) | 0.4603% | 4,760 |
| Pretax return on assets | 0.6801% | 4,507 |
| Return on Equity (ROE) | 3.9068% | 4,813 |
| Retained earnings to average equity (ytd only) | 3.9068% | 3,492 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0650% | 1,056 |
| Assets per employee ($millions) | 3.7583% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 4,296 |
| Loan loss allowance to noncurrent loans | 13,260.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 5,193 |
| Noncurrent loans to loans | 0.0075% | 5,222 |
| Net loans and leases to total assets | 85.2683% | 264 |
| Net loans and leases to deposits | 118.7900% | 98 |
| Net loans and leases to core deposits | 123.7835% | 364 |
| Total domestic deposits to total assets | 71.7808% | 5,552 |
| Equity capital to assets | 11.8885% | 1,918 |
| Core capital (leverage) ratio | 12.0237% | 1,612 |
| Tier 1 risk-based capital ratio | 16.7080% | 2,277 |
| Total risk-based capital ratio | 17.9042% | 2,261 |
| Memoranda: | ||
| Average total assets | $154,678,000 | 3,496 |
| Average earning assets | $143,585,000 | 3,481 |
| Average equity | $18,224,500 | 3,384 |
| Average total loans | $133,235,500 | 2,918 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 3,991 |
| Cost of funding earning assets | 0.9730% | 203 |
| Net interest margin | 2.7980% | 5,292 |
| Noninterest income to average assets | 1.6349% | 452 |
| Noninterest expense to average assets | 3.5537% | 1,077 |
| Loan and lease loss provision to assets | -0.0801% | 5,658 |
| Net operating income to assets | 0.5163% | 4,566 |
| Return on assets (ROA) | 0.5163% | 4,649 |
| Pretax return on assets | 0.7632% | 4,291 |
| Return on Equity (ROE) | 4.4281% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.4281% | 2,764 |
| Net charge-offs to loans | -0.0615% | 5,453 |
| Credit loss provision to net charge-offs | 151.2500% | 1,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8775% | 1,019 |
| Assets per employee ($millions) | 3.7870% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 4,391 |
| Loan loss allowance to noncurrent loans | 2,286.2069% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 5,216 |
| Noncurrent loans to loans | 0.0434% | 5,074 |
| Net loans and leases to total assets | 85.2917% | 275 |
| Net loans and leases to deposits | 120.5039% | 88 |
| Net loans and leases to core deposits | 125.2959% | 359 |
| Total domestic deposits to total assets | 70.7792% | 5,624 |
| Equity capital to assets | 11.6767% | 2,022 |
| Core capital (leverage) ratio | 11.8958% | 1,667 |
| Tier 1 risk-based capital ratio | 16.8907% | 2,194 |
| Total risk-based capital ratio | 18.1125% | 2,153 |
| Memoranda: | ||
| Average total assets | $151,080,400 | 3,507 |
| Average earning assets | $140,492,200 | 3,488 |
| Average equity | $17,614,800 | 3,472 |
| Average total loans | $130,117,000 | 2,920 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 4,027 |
| Cost of funding earning assets | 0.9977% | 173 |
| Net interest margin | 2.7695% | 5,408 |
| Noninterest income to average assets | 1.5721% | 500 |
| Noninterest expense to average assets | 3.5164% | 1,122 |
| Loan and lease loss provision to assets | -0.0187% | 5,664 |
| Net operating income to assets | 0.4426% | 4,896 |
| Return on assets (ROA) | 0.4426% | 4,979 |
| Pretax return on assets | 0.6496% | 4,745 |
| Return on Equity (ROE) | 3.7972% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.7972% | 3,611 |
| Net charge-offs to loans | 0.0206% | 3,286 |
| Credit loss provision to net charge-offs | -105.0000% | 4,762 |
| Earnings coverage of net charge-offs (x) | 35.4946% | 1,333 |
| Efficiency ratio | 84.7868% | 927 |
| Assets per employee ($millions) | 3.8240% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,469 |
| Loan loss allowance to noncurrent loans | 844.5860% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 5,034 |
| Noncurrent loans to loans | 0.1172% | 4,870 |
| Net loans and leases to total assets | 84.6287% | 354 |
| Net loans and leases to deposits | 124.5095% | 76 |
| Net loans and leases to core deposits | 129.2908% | 312 |
| Total domestic deposits to total assets | 67.9697% | 5,768 |
| Equity capital to assets | 11.3728% | 2,628 |
| Core capital (leverage) ratio | 11.6948% | 1,892 |
| Tier 1 risk-based capital ratio | 16.6368% | 2,363 |
| Total risk-based capital ratio | 17.8598% | 2,324 |
| Memoranda: | ||
| Average total assets | $150,034,000 | 3,539 |
| Average earning assets | $139,515,250 | 3,518 |
| Average equity | $17,486,000 | 3,512 |
| Average total loans | $129,207,500 | 2,940 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 4,003 |
| Cost of funding earning assets | 1.0341% | 138 |
| Net interest margin | 2.7528% | 5,501 |
| Noninterest income to average assets | 1.3263% | 647 |
| Noninterest expense to average assets | 3.4930% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2761% | 5,382 |
| Return on assets (ROA) | 0.2761% | 5,459 |
| Pretax return on assets | 0.3911% | 5,358 |
| Return on Equity (ROE) | 2.3487% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.3487% | 4,381 |
| Net charge-offs to loans | 0.0313% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.4500% | 2,057 |
| Efficiency ratio | 89.9303% | 605 |
| Assets per employee ($millions) | 3.8164% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 4,412 |
| Loan loss allowance to noncurrent loans | 2,283.0508% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 5,423 |
| Noncurrent loans to loans | 0.0446% | 5,281 |
| Net loans and leases to total assets | 85.7338% | 269 |
| Net loans and leases to deposits | 124.0848% | 75 |
| Net loans and leases to core deposits | 128.5935% | 323 |
| Total domestic deposits to total assets | 69.0929% | 5,811 |
| Equity capital to assets | 11.4743% | 2,570 |
| Core capital (leverage) ratio | 11.7564% | 1,806 |
| Tier 1 risk-based capital ratio | 16.8815% | 2,268 |
| Total risk-based capital ratio | 18.1313% | 2,218 |
| Memoranda: | ||
| Average total assets | $147,783,330 | 3,592 |
| Average earning assets | $137,317,000 | 3,574 |
| Average equity | $17,371,000 | 3,531 |
| Average total loans | $127,606,000 | 2,974 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 3,902 |
| Cost of funding earning assets | 0.9879% | 183 |
| Net interest margin | 2.8241% | 5,435 |
| Noninterest income to average assets | 0.9687% | 1,153 |
| Noninterest expense to average assets | 3.4345% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1211% | 5,649 |
| Return on assets (ROA) | 0.1211% | 5,702 |
| Pretax return on assets | 0.1541% | 5,689 |
| Return on Equity (ROE) | 1.0174% | 5,690 |
| Retained earnings to average equity (ytd only) | 1.0174% | 4,832 |
| Net charge-offs to loans | 0.0638% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 2,632 |
| Efficiency ratio | 95.7055% | 404 |
| Assets per employee ($millions) | 3.6136% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 4,281 |
| Loan loss allowance to noncurrent loans | 2,748.9796% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,511 |
| Noncurrent loans to loans | 0.0386% | 5,341 |
| Net loans and leases to total assets | 84.8093% | 307 |
| Net loans and leases to deposits | 115.0188% | 134 |
| Net loans and leases to core deposits | 119.4607% | 480 |
| Total domestic deposits to total assets | 73.7351% | 5,630 |
| Equity capital to assets | 11.6971% | 2,246 |
| Core capital (leverage) ratio | 12.1508% | 1,524 |
| Tier 1 risk-based capital ratio | 17.4233% | 2,147 |
| Total risk-based capital ratio | 18.6742% | 2,112 |
| Memoranda: | ||
| Average total assets | $145,348,000 | 3,647 |
| Average earning assets | $134,838,000 | 3,636 |
| Average equity | $17,298,500 | 3,541 |
| Average total loans | $125,297,500 | 3,008 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 3,706 |
| Cost of funding earning assets | 1.0110% | 168 |
| Net interest margin | 2.8887% | 5,353 |
| Noninterest income to average assets | 1.5504% | 526 |
| Noninterest expense to average assets | 3.6077% | 1,114 |
| Loan and lease loss provision to assets | 0.0190% | 4,025 |
| Net operating income to assets | 0.4095% | 5,024 |
| Return on assets (ROA) | 0.4095% | 5,104 |
| Pretax return on assets | 0.5858% | 4,882 |
| Return on Equity (ROE) | 4.3745% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.3745% | 2,865 |
| Net charge-offs to loans | 0.0086% | 4,157 |
| Credit loss provision to net charge-offs | 260.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 82.7000% | 683 |
| Efficiency ratio | 85.6424% | 1,024 |
| Assets per employee ($millions) | 3.3938% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,020 |
| Loan loss allowance to noncurrent loans | 12,427.2727% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 5,577 |
| Noncurrent loans to loans | 0.0089% | 5,503 |
| Net loans and leases to total assets | 85.7521% | 247 |
| Net loans and leases to deposits | 116.6928% | 134 |
| Net loans and leases to core deposits | 120.3843% | 467 |
| Total domestic deposits to total assets | 73.4853% | 5,689 |
| Equity capital to assets | 12.1138% | 1,874 |
| Core capital (leverage) ratio | 12.1926% | 1,504 |
| Tier 1 risk-based capital ratio | 17.3665% | 2,160 |
| Total risk-based capital ratio | 18.6171% | 2,113 |
| Memoranda: | ||
| Average total assets | $136,737,000 | 3,772 |
| Average earning assets | $126,008,600 | 3,773 |
| Average equity | $12,801,400 | 4,174 |
| Average total loans | $116,698,800 | 3,099 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 3,693 |
| Cost of funding earning assets | 1.0259% | 159 |
| Net interest margin | 2.8926% | 5,428 |
| Noninterest income to average assets | 1.6163% | 483 |
| Noninterest expense to average assets | 3.6337% | 1,063 |
| Loan and lease loss provision to assets | 0.0404% | 3,404 |
| Net operating income to assets | 0.4218% | 5,079 |
| Return on assets (ROA) | 0.4218% | 5,168 |
| Pretax return on assets | 0.6041% | 4,963 |
| Return on Equity (ROE) | 4.8836% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.8836% | 2,997 |
| Net charge-offs to loans | 0.0116% | 3,771 |
| Credit loss provision to net charge-offs | 410.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 65.4149% | 857 |
| Efficiency ratio | 84.9343% | 1,090 |
| Assets per employee ($millions) | 3.3753% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 4,026 |
| Loan loss allowance to noncurrent loans | 1,749.3671% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 5,281 |
| Noncurrent loans to loans | 0.0649% | 5,357 |
| Net loans and leases to total assets | 82.8934% | 487 |
| Net loans and leases to deposits | 107.3028% | 322 |
| Net loans and leases to core deposits | 110.4604% | 854 |
| Total domestic deposits to total assets | 77.2518% | 5,305 |
| Equity capital to assets | 8.1957% | 5,876 |
| Core capital (leverage) ratio | 8.3727% | 5,650 |
| Tier 1 risk-based capital ratio | 12.2632% | 4,912 |
| Total risk-based capital ratio | 13.5150% | 4,809 |
| Memoranda: | ||
| Average total assets | $135,286,250 | 3,840 |
| Average earning assets | $124,499,500 | 3,841 |
| Average equity | $11,685,000 | 4,409 |
| Average total loans | $114,974,000 | 3,152 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,333 |
| Cost of funding earning assets | 1.0203% | 163 |
| Net interest margin | 2.9703% | 5,285 |
| Noninterest income to average assets | 1.6939% | 469 |
| Noninterest expense to average assets | 3.6908% | 999 |
| Loan and lease loss provision to assets | 0.0621% | 2,868 |
| Net operating income to assets | 0.4667% | 4,909 |
| Return on assets (ROA) | 0.4667% | 5,004 |
| Pretax return on assets | 0.6712% | 4,754 |
| Return on Equity (ROE) | 5.3035% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.3035% | 2,668 |
| Net charge-offs to loans | 0.0302% | 3,060 |
| Credit loss provision to net charge-offs | 241.1765% | 1,072 |
| Earnings coverage of net charge-offs (x) | 28.4706% | 1,418 |
| Efficiency ratio | 83.4247% | 1,326 |
| Assets per employee ($millions) | 3.2114% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 3,972 |
| Loan loss allowance to noncurrent loans | 1,527.7778% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 5,154 |
| Noncurrent loans to loans | 0.0766% | 5,425 |
| Net loans and leases to total assets | 84.0733% | 368 |
| Net loans and leases to deposits | 111.0531% | 239 |
| Net loans and leases to core deposits | 114.5846% | 646 |
| Total domestic deposits to total assets | 75.7055% | 5,633 |
| Equity capital to assets | 8.5293% | 5,665 |
| Core capital (leverage) ratio | 8.9140% | 5,075 |
| Tier 1 risk-based capital ratio | 12.9186% | 4,563 |
| Total risk-based capital ratio | 14.1710% | 4,481 |
| Memoranda: | ||
| Average total assets | $132,002,670 | 3,924 |
| Average earning assets | $121,335,670 | 3,924 |
| Average equity | $11,615,000 | 4,450 |
| Average total loans | $112,735,000 | 3,195 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 3,368 |
| Cost of funding earning assets | 0.9714% | 201 |
| Net interest margin | 2.9917% | 5,240 |
| Noninterest income to average assets | 1.4330% | 570 |
| Noninterest expense to average assets | 3.5515% | 1,212 |
| Loan and lease loss provision to assets | 0.0993% | 2,041 |
| Net operating income to assets | 0.3691% | 5,189 |
| Return on assets (ROA) | 0.3691% | 5,311 |
| Pretax return on assets | 0.5335% | 5,088 |
| Return on Equity (ROE) | 4.1271% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.1271% | 3,530 |
| Net charge-offs to loans | 0.0544% | 2,231 |
| Credit loss provision to net charge-offs | 213.3333% | 1,013 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,710 |
| Efficiency ratio | 84.8777% | 1,281 |
| Assets per employee ($millions) | 3.1405% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 3,948 |
| Loan loss allowance to noncurrent loans | 1,231.5315% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 5,066 |
| Noncurrent loans to loans | 0.0979% | 5,403 |
| Net loans and leases to total assets | 84.8897% | 256 |
| Net loans and leases to deposits | 115.0330% | 145 |
| Net loans and leases to core deposits | 117.2101% | 480 |
| Total domestic deposits to total assets | 73.7959% | 5,917 |
| Equity capital to assets | 8.7928% | 5,505 |
| Core capital (leverage) ratio | 9.1816% | 4,741 |
| Tier 1 risk-based capital ratio | 13.4923% | 4,322 |
| Total risk-based capital ratio | 14.7459% | 4,242 |
| Memoranda: | ||
| Average total assets | $128,959,500 | 4,012 |
| Average earning assets | $118,595,000 | 4,003 |
| Average equity | $11,533,500 | 4,503 |
| Average total loans | $110,367,000 | 3,253 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 3,279 |
| Cost of funding earning assets | 1.1610% | 98 |
| Net interest margin | 2.9520% | 5,548 |
| Noninterest income to average assets | 1.1708% | 878 |
| Noninterest expense to average assets | 3.7306% | 1,096 |
| Loan and lease loss provision to assets | 0.6107% | 227 |
| Net operating income to assets | -0.2678% | 6,229 |
| Return on assets (ROA) | -0.2678% | 6,229 |
| Pretax return on assets | -0.4527% | 6,274 |
| Return on Equity (ROE) | -2.8351% | 6,239 |
| Retained earnings to average equity (ytd only) | -2.8351% | 6,077 |
| Net charge-offs to loans | 0.3769% | 1,142 |
| Credit loss provision to net charge-offs | 193.2500% | 1,278 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,630 |
| Efficiency ratio | 95.9366% | 510 |
| Assets per employee ($millions) | 3.0736% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 3,684 |
| Loan loss allowance to noncurrent loans | 184.4262% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 3,245 |
| Noncurrent loans to loans | 0.6816% | 3,640 |
| Net loans and leases to total assets | 84.1520% | 334 |
| Net loans and leases to deposits | 112.1185% | 193 |
| Net loans and leases to core deposits | 114.0085% | 606 |
| Total domestic deposits to total assets | 75.0563% | 5,855 |
| Equity capital to assets | 9.0004% | 5,284 |
| Core capital (leverage) ratio | 9.1422% | 4,764 |
| Tier 1 risk-based capital ratio | 13.1007% | 4,654 |
| Total risk-based capital ratio | 14.3543% | 4,576 |
| Memoranda: | ||
| Average total assets | $126,576,400 | 4,043 |
| Average earning assets | $116,533,000 | 4,041 |
| Average equity | $11,957,200 | 4,367 |
| Average total loans | $106,130,800 | 3,299 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 3,327 |
| Cost of funding earning assets | 1.1653% | 101 |
| Net interest margin | 2.9475% | 5,606 |
| Noninterest income to average assets | 1.0301% | 1,160 |
| Noninterest expense to average assets | 3.1061% | 2,455 |
| Loan and lease loss provision to assets | 0.1694% | 1,457 |
| Net operating income to assets | 0.3367% | 5,466 |
| Return on assets (ROA) | 0.3367% | 5,539 |
| Pretax return on assets | 0.4693% | 5,408 |
| Return on Equity (ROE) | 3.5229% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.5229% | 4,136 |
| Net charge-offs to loans | 0.2054% | 1,824 |
| Credit loss provision to net charge-offs | 98.7730% | 2,265 |
| Earnings coverage of net charge-offs (x) | 3.7239% | 3,607 |
| Efficiency ratio | 82.9446% | 1,501 |
| Assets per employee ($millions) | 3.2310% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 5,676 |
| Loan loss allowance to noncurrent loans | 84.4156% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 3,250 |
| Noncurrent loans to loans | 1.0352% | 3,002 |
| Net loans and leases to total assets | 83.4841% | 366 |
| Net loans and leases to deposits | 115.7848% | 134 |
| Net loans and leases to core deposits | 117.7198% | 447 |
| Total domestic deposits to total assets | 72.1028% | 6,164 |
| Equity capital to assets | 9.0419% | 5,308 |
| Core capital (leverage) ratio | 8.8826% | 5,213 |
| Tier 1 risk-based capital ratio | 12.7724% | 4,992 |
| Total risk-based capital ratio | 13.8311% | 5,053 |
| Memoranda: | ||
| Average total assets | $126,716,500 | 4,070 |
| Average earning assets | $116,707,500 | 4,067 |
| Average equity | $12,111,000 | 4,366 |
| Average total loans | $105,814,750 | 3,339 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 3,066 |
| Cost of funding earning assets | 1.1655% | 103 |
| Net interest margin | 3.0061% | 5,507 |
| Noninterest income to average assets | 1.1491% | 893 |
| Noninterest expense to average assets | 3.0978% | 2,509 |
| Loan and lease loss provision to assets | 0.2324% | 981 |
| Net operating income to assets | 0.4119% | 5,173 |
| Return on assets (ROA) | 0.4119% | 5,253 |
| Pretax return on assets | 0.5882% | 4,987 |
| Return on Equity (ROE) | 4.2286% | 5,046 |
| Retained earnings to average equity (ytd only) | 4.2286% | 3,482 |
| Net charge-offs to loans | 0.3311% | 1,231 |
| Credit loss provision to net charge-offs | 84.3023% | 2,272 |
| Earnings coverage of net charge-offs (x) | 2.9767% | 3,419 |
| Efficiency ratio | 79.0593% | 2,160 |
| Assets per employee ($millions) | 3.1866% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 5,818 |
| Loan loss allowance to noncurrent loans | 124.0209% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 4,141 |
| Noncurrent loans to loans | 0.6992% | 3,960 |
| Net loans and leases to total assets | 83.1228% | 369 |
| Net loans and leases to deposits | 116.0839% | 118 |
| Net loans and leases to core deposits | 118.0602% | 422 |
| Total domestic deposits to total assets | 71.6058% | 6,279 |
| Equity capital to assets | 9.4137% | 4,828 |
| Core capital (leverage) ratio | 9.2019% | 4,735 |
| Tier 1 risk-based capital ratio | 13.0389% | 4,883 |
| Total risk-based capital ratio | 14.0697% | 4,963 |
| Memoranda: | ||
| Average total assets | $124,798,000 | 4,137 |
| Average earning assets | $114,967,330 | 4,126 |
| Average equity | $12,155,330 | 4,365 |
| Average total loans | $103,897,000 | 3,379 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,769 |
| Cost of funding earning assets | 1.1632% | 111 |
| Net interest margin | 3.0649% | 5,350 |
| Noninterest income to average assets | 1.0339% | 1,051 |
| Noninterest expense to average assets | 3.1476% | 2,381 |
| Loan and lease loss provision to assets | 0.1543% | 1,575 |
| Net operating income to assets | 0.3807% | 5,188 |
| Return on assets (ROA) | 0.3807% | 5,262 |
| Pretax return on assets | 0.5514% | 5,004 |
| Return on Equity (ROE) | 3.8399% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,823 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6865% | 1,966 |
| Assets per employee ($millions) | 3.3220% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,582 |
| Loan loss allowance to noncurrent loans | 146.1429% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 4,411 |
| Noncurrent loans to loans | 0.6742% | 4,175 |
| Net loans and leases to total assets | 81.4411% | 404 |
| Net loans and leases to deposits | 108.7478% | 175 |
| Net loans and leases to core deposits | 110.5760% | 566 |
| Total domestic deposits to total assets | 74.8899% | 6,165 |
| Equity capital to assets | 9.6240% | 4,325 |
| Core capital (leverage) ratio | 9.5038% | 4,271 |
| Tier 1 risk-based capital ratio | 13.4040% | 4,765 |
| Total risk-based capital ratio | 14.5474% | 4,759 |
| Memoranda: | ||
| Average total assets | $121,872,000 | 4,237 |
| Average earning assets | $112,109,000 | 4,212 |
| Average equity | $12,083,500 | 4,406 |
| Average total loans | $101,070,500 | 3,444 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 2,547 |
| Cost of funding earning assets | 1.2551% | 136 |
| Net interest margin | 3.1556% | 5,145 |
| Noninterest income to average assets | 1.2519% | 888 |
| Noninterest expense to average assets | 3.3293% | 2,052 |
| Loan and lease loss provision to assets | 0.1172% | 2,854 |
| Net operating income to assets | 0.4890% | 4,779 |
| Return on assets (ROA) | 0.4890% | 4,925 |
| Pretax return on assets | 0.7515% | 4,334 |
| Return on Equity (ROE) | 4.7187% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.7187% | 2,800 |
| Net charge-offs to loans | 0.2708% | 2,343 |
| Credit loss provision to net charge-offs | 51.5504% | 3,777 |
| Earnings coverage of net charge-offs (x) | 3.8217% | 3,747 |
| Efficiency ratio | 79.3075% | 2,267 |
| Assets per employee ($millions) | 3.0923% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 5,604 |
| Loan loss allowance to noncurrent loans | 165.0338% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 4,580 |
| Noncurrent loans to loans | 0.6022% | 4,476 |
| Net loans and leases to total assets | 82.8310% | 337 |
| Net loans and leases to deposits | 114.4609% | 113 |
| Net loans and leases to core deposits | 115.2374% | 440 |
| Total domestic deposits to total assets | 72.3661% | 6,400 |
| Equity capital to assets | 10.2274% | 3,473 |
| Core capital (leverage) ratio | 10.1041% | 3,424 |
| Tier 1 risk-based capital ratio | 13.8070% | 4,430 |
| Total risk-based capital ratio | 14.9434% | 4,473 |
| Memoranda: | ||
| Average total assets | $113,508,400 | 4,420 |
| Average earning assets | $105,970,800 | 4,363 |
| Average equity | $11,761,600 | 4,494 |
| Average total loans | $95,261,400 | 3,572 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 2,492 |
| Cost of funding earning assets | 1.2775% | 140 |
| Net interest margin | 3.1540% | 5,136 |
| Noninterest income to average assets | 1.2479% | 940 |
| Noninterest expense to average assets | 3.3146% | 2,039 |
| Loan and lease loss provision to assets | 0.0877% | 3,308 |
| Net operating income to assets | 0.5214% | 4,711 |
| Return on assets (ROA) | 0.5214% | 4,861 |
| Pretax return on assets | 0.8035% | 4,282 |
| Return on Equity (ROE) | 5.0152% | 4,717 |
| Retained earnings to average equity (ytd only) | 5.0152% | 3,072 |
| Net charge-offs to loans | 0.0762% | 3,855 |
| Credit loss provision to net charge-offs | 137.0370% | 1,712 |
| Earnings coverage of net charge-offs (x) | 13.9256% | 1,982 |
| Efficiency ratio | 78.8109% | 2,286 |
| Assets per employee ($millions) | 2.8996% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 4,930 |
| Loan loss allowance to noncurrent loans | 153.9095% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 4,505 |
| Noncurrent loans to loans | 0.7704% | 4,310 |
| Net loans and leases to total assets | 82.6891% | 315 |
| Net loans and leases to deposits | 114.4233% | 112 |
| Net loans and leases to core deposits | 115.5888% | 406 |
| Total domestic deposits to total assets | 72.2660% | 6,474 |
| Equity capital to assets | 10.5231% | 3,248 |
| Core capital (leverage) ratio | 10.4517% | 3,059 |
| Tier 1 risk-based capital ratio | 14.5295% | 4,056 |
| Total risk-based capital ratio | 15.7811% | 4,008 |
| Memoranda: | ||
| Average total assets | $112,508,500 | 4,497 |
| Average earning assets | $105,513,250 | 4,415 |
| Average equity | $11,697,500 | 4,555 |
| Average total loans | $94,499,250 | 3,610 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 2,249 |
| Cost of funding earning assets | 1.2853% | 154 |
| Net interest margin | 3.2009% | 4,946 |
| Noninterest income to average assets | 1.2714% | 956 |
| Noninterest expense to average assets | 3.3495% | 1,938 |
| Loan and lease loss provision to assets | 0.0997% | 3,133 |
| Net operating income to assets | 0.5342% | 4,647 |
| Return on assets (ROA) | 0.5342% | 4,811 |
| Pretax return on assets | 0.8245% | 4,223 |
| Return on Equity (ROE) | 5.1591% | 4,638 |
| Retained earnings to average equity (ytd only) | 5.1591% | 2,955 |
| Net charge-offs to loans | 0.0445% | 4,059 |
| Credit loss provision to net charge-offs | 266.6667% | 945 |
| Earnings coverage of net charge-offs (x) | 24.7143% | 1,286 |
| Efficiency ratio | 78.3750% | 2,398 |
| Assets per employee ($millions) | 3.0289% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,011 |
| Loan loss allowance to noncurrent loans | 189.1847% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 4,752 |
| Noncurrent loans to loans | 0.6328% | 4,673 |
| Net loans and leases to total assets | 83.7332% | 252 |
| Net loans and leases to deposits | 116.9989% | 80 |
| Net loans and leases to core deposits | 118.1435% | 349 |
| Total domestic deposits to total assets | 71.5675% | 6,584 |
| Equity capital to assets | 10.4828% | 3,323 |
| Core capital (leverage) ratio | 10.3851% | 3,004 |
| Tier 1 risk-based capital ratio | 14.6061% | 4,029 |
| Total risk-based capital ratio | 15.8447% | 3,997 |
| Memoranda: | ||
| Average total assets | $112,316,330 | 4,529 |
| Average earning assets | $105,345,330 | 4,451 |
| Average equity | $11,630,000 | 4,604 |
| Average total loans | $94,455,330 | 3,622 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 2,214 |
| Cost of funding earning assets | 1.3111% | 147 |
| Net interest margin | 3.1754% | 5,014 |
| Noninterest income to average assets | 1.1953% | 1,055 |
| Noninterest expense to average assets | 3.3654% | 1,915 |
| Loan and lease loss provision to assets | 0.1067% | 2,913 |
| Net operating income to assets | 0.4554% | 4,892 |
| Return on assets (ROA) | 0.4554% | 5,052 |
| Pretax return on assets | 0.7044% | 4,558 |
| Return on Equity (ROE) | 4.4249% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.4249% | 3,580 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5792% | 2,238 |
| Assets per employee ($millions) | 2.8854% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 4,983 |
| Loan loss allowance to noncurrent loans | 124.5325% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 4,304 |
| Noncurrent loans to loans | 0.9981% | 4,134 |
| Net loans and leases to total assets | 82.0256% | 280 |
| Net loans and leases to deposits | 112.0445% | 107 |
| Net loans and leases to core deposits | 112.7807% | 418 |
| Total domestic deposits to total assets | 73.2081% | 6,586 |
| Equity capital to assets | 10.6133% | 3,422 |
| Core capital (leverage) ratio | 10.5002% | 2,774 |
| Tier 1 risk-based capital ratio | 14.7218% | 4,016 |
| Total risk-based capital ratio | 15.9743% | 3,989 |
| Memoranda: | ||
| Average total assets | $112,440,000 | 4,565 |
| Average earning assets | $105,561,000 | 4,484 |
| Average equity | $11,571,000 | 4,657 |
| Average total loans | $94,195,000 | 3,646 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 2,680 |
| Cost of funding earning assets | 1.5028% | 162 |
| Net interest margin | 3.1762% | 5,627 |
| Noninterest income to average assets | 1.2643% | 978 |
| Noninterest expense to average assets | 3.1119% | 2,894 |
| Loan and lease loss provision to assets | 0.1886% | 3,283 |
| Net operating income to assets | 0.5955% | 4,261 |
| Return on assets (ROA) | 0.5955% | 4,520 |
| Pretax return on assets | 0.9535% | 3,728 |
| Return on Equity (ROE) | 6.1122% | 4,110 |
| Retained earnings to average equity (ytd only) | 6.1122% | 2,010 |
| Net charge-offs to loans | 0.4592% | 2,400 |
| Credit loss provision to net charge-offs | 48.2143% | 4,735 |
| Earnings coverage of net charge-offs (x) | 2.9196% | 3,966 |
| Efficiency ratio | 73.1527% | 3,216 |
| Assets per employee ($millions) | 3.6011% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,434 |
| Loan loss allowance to noncurrent loans | 133.4140% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 4,686 |
| Noncurrent loans to loans | 0.8487% | 4,487 |
| Net loans and leases to total assets | 83.4981% | 249 |
| Net loans and leases to deposits | 113.1482% | 122 |
| Net loans and leases to core deposits | 114.2743% | 410 |
| Total domestic deposits to total assets | 73.7953% | 6,550 |
| Equity capital to assets | 9.9839% | 4,194 |
| Core capital (leverage) ratio | 9.9173% | 3,519 |
| Tier 1 risk-based capital ratio | 14.1754% | 4,260 |
| Total risk-based capital ratio | 15.4263% | 4,221 |
| Memoranda: | ||
| Average total assets | $114,526,400 | 4,475 |
| Average earning assets | $107,800,200 | 4,399 |
| Average equity | $11,158,000 | 4,729 |
| Average total loans | $97,563,600 | 3,582 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 2,573 |
| Cost of funding earning assets | 1.5271% | 175 |
| Net interest margin | 3.2239% | 5,637 |
| Noninterest income to average assets | 0.9025% | 1,815 |
| Noninterest expense to average assets | 3.0875% | 2,922 |
| Loan and lease loss provision to assets | 0.1166% | 4,098 |
| Net operating income to assets | 0.4489% | 5,040 |
| Return on assets (ROA) | 0.4489% | 5,288 |
| Pretax return on assets | 0.7334% | 4,737 |
| Return on Equity (ROE) | 4.6365% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.6365% | 3,632 |
| Net charge-offs to loans | 0.4944% | 2,132 |
| Credit loss provision to net charge-offs | 27.6243% | 4,835 |
| Earnings coverage of net charge-offs (x) | 2.0138% | 4,262 |
| Efficiency ratio | 78.4128% | 2,337 |
| Assets per employee ($millions) | 3.9742% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,738 |
| Loan loss allowance to noncurrent loans | 287.3995% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 5,149 |
| Noncurrent loans to loans | 0.3808% | 5,709 |
| Net loans and leases to total assets | 84.0591% | 224 |
| Net loans and leases to deposits | 112.8113% | 120 |
| Net loans and leases to core deposits | 113.9203% | 436 |
| Total domestic deposits to total assets | 74.5130% | 6,558 |
| Equity capital to assets | 9.7405% | 4,870 |
| Core capital (leverage) ratio | 9.6682% | 4,017 |
| Tier 1 risk-based capital ratio | 13.7165% | 4,746 |
| Total risk-based capital ratio | 14.9679% | 4,695 |
| Memoranda: | ||
| Average total assets | $114,349,250 | 4,525 |
| Average earning assets | $107,651,750 | 4,449 |
| Average equity | $11,071,250 | 4,789 |
| Average total loans | $97,624,250 | 3,620 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 2,406 |
| Cost of funding earning assets | 1.5458% | 193 |
| Net interest margin | 3.2797% | 5,501 |
| Noninterest income to average assets | 0.7839% | 2,270 |
| Noninterest expense to average assets | 3.1478% | 2,754 |
| Loan and lease loss provision to assets | 0.1052% | 4,210 |
| Net operating income to assets | 0.3683% | 5,350 |
| Return on assets (ROA) | 0.3683% | 5,571 |
| Pretax return on assets | 0.6190% | 5,073 |
| Return on Equity (ROE) | 3.8114% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.8114% | 4,079 |
| Net charge-offs to loans | 0.4779% | 2,158 |
| Credit loss provision to net charge-offs | 25.7511% | 4,512 |
| Earnings coverage of net charge-offs (x) | 1.7725% | 4,095 |
| Efficiency ratio | 81.2953% | 1,988 |
| Assets per employee ($millions) | 4.2526% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 5,426 |
| Loan loss allowance to noncurrent loans | 81.0754% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 3,325 |
| Noncurrent loans to loans | 1.4608% | 3,714 |
| Net loans and leases to total assets | 84.3642% | 197 |
| Net loans and leases to deposits | 112.9289% | 117 |
| Net loans and leases to core deposits | 114.0363% | 449 |
| Total domestic deposits to total assets | 74.7056% | 6,612 |
| Equity capital to assets | 9.6185% | 4,889 |
| Core capital (leverage) ratio | 9.5807% | 4,033 |
| Tier 1 risk-based capital ratio | 13.6476% | 4,710 |
| Total risk-based capital ratio | 14.8999% | 4,675 |
| Memoranda: | ||
| Average total assets | $114,048,670 | 4,565 |
| Average earning assets | $107,387,670 | 4,475 |
| Average equity | $11,019,670 | 4,808 |
| Average total loans | $97,515,330 | 3,637 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 2,213 |
| Cost of funding earning assets | 1.5508% | 230 |
| Net interest margin | 3.3556% | 5,285 |
| Noninterest income to average assets | 0.6194% | 3,109 |
| Noninterest expense to average assets | 3.0687% | 3,024 |
| Loan and lease loss provision to assets | 0.1056% | 4,024 |
| Net operating income to assets | 0.3590% | 5,433 |
| Return on assets (ROA) | 0.3590% | 5,620 |
| Pretax return on assets | 0.6053% | 5,098 |
| Return on Equity (ROE) | 3.7066% | 5,423 |
| Retained earnings to average equity (ytd only) | 3.7066% | 4,361 |
| Net charge-offs to loans | 0.8554% | 1,199 |
| Credit loss provision to net charge-offs | 14.4231% | 3,848 |
| Earnings coverage of net charge-offs (x) | 0.9712% | 3,844 |
| Efficiency ratio | 81.1918% | 2,054 |
| Assets per employee ($millions) | 4.2234% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 5,613 |
| Loan loss allowance to noncurrent loans | 129.7419% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0751% | 4,339 |
| Noncurrent loans to loans | 0.9053% | 4,859 |
| Net loans and leases to total assets | 85.2943% | 143 |
| Net loans and leases to deposits | 114.1332% | 99 |
| Net loans and leases to core deposits | 115.2557% | 396 |
| Total domestic deposits to total assets | 74.7323% | 6,679 |
| Equity capital to assets | 9.5877% | 4,664 |
| Core capital (leverage) ratio | 9.5481% | 3,985 |
| Tier 1 risk-based capital ratio | 13.3824% | 4,911 |
| Total risk-based capital ratio | 14.6340% | 4,900 |
| Memoranda: | ||
| Average total assets | $113,663,000 | 4,606 |
| Average earning assets | $107,043,500 | 4,512 |
| Average equity | $11,007,500 | 4,823 |
| Average total loans | $97,259,000 | 3,655 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1136% | 2,399 |
| Cost of funding earning assets | 1.8255% | 196 |
| Net interest margin | 3.2882% | 5,844 |
| Noninterest income to average assets | 1.1506% | 987 |
| Noninterest expense to average assets | 3.4005% | 2,242 |
| Loan and lease loss provision to assets | 0.2109% | 4,077 |
| Net operating income to assets | 0.5071% | 4,396 |
| Return on assets (ROA) | 0.5493% | 4,424 |
| Pretax return on assets | 0.6740% | 4,426 |
| Return on Equity (ROE) | 5.8732% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.8732% | 2,091 |
| Net charge-offs to loans | 0.2563% | 4,176 |
| Credit loss provision to net charge-offs | 96.7078% | 3,724 |
| Earnings coverage of net charge-offs (x) | 3.8189% | 3,376 |
| Efficiency ratio | 80.3265% | 2,260 |
| Assets per employee ($millions) | 4.1961% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 6,012 |
| Loan loss allowance to noncurrent loans | 101.9270% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 4,206 |
| Noncurrent loans to loans | 1.0260% | 4,660 |
| Net loans and leases to total assets | 83.9357% | 209 |
| Net loans and leases to deposits | 112.3497% | 138 |
| Net loans and leases to core deposits | 114.1391% | 495 |
| Total domestic deposits to total assets | 74.7094% | 6,648 |
| Equity capital to assets | 9.7815% | 4,464 |
| Core capital (leverage) ratio | 9.7524% | 3,672 |
| Tier 1 risk-based capital ratio | 13.5129% | 4,685 |
| Total risk-based capital ratio | 14.7435% | 4,665 |
| Memoranda: | ||
| Average total assets | $111,424,200 | 4,608 |
| Average earning assets | $104,465,800 | 4,533 |
| Average equity | $10,420,200 | 4,920 |
| Average total loans | $94,803,800 | 3,748 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 2,391 |
| Cost of funding earning assets | 1.8667% | 201 |
| Net interest margin | 3.2831% | 5,910 |
| Noninterest income to average assets | 0.9409% | 1,513 |
| Noninterest expense to average assets | 3.4800% | 1,991 |
| Loan and lease loss provision to assets | 0.0721% | 5,550 |
| Net operating income to assets | 0.4339% | 4,841 |
| Return on assets (ROA) | 0.4987% | 4,740 |
| Pretax return on assets | 0.5335% | 5,029 |
| Return on Equity (ROE) | 5.3957% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.3957% | 2,914 |
| Net charge-offs to loans | -0.0183% | 6,890 |
| Credit loss provision to net charge-offs | -461.5385% | 6,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6547% | 1,467 |
| Assets per employee ($millions) | 3.9747% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 5,722 |
| Loan loss allowance to noncurrent loans | 74.1297% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.6709% | 3,582 |
| Noncurrent loans to loans | 1.5397% | 3,974 |
| Net loans and leases to total assets | 81.6076% | 389 |
| Net loans and leases to deposits | 108.1941% | 206 |
| Net loans and leases to core deposits | 111.0960% | 631 |
| Total domestic deposits to total assets | 75.4271% | 6,593 |
| Equity capital to assets | 9.0843% | 5,653 |
| Core capital (leverage) ratio | 9.0715% | 4,823 |
| Tier 1 risk-based capital ratio | 12.8178% | 5,235 |
| Total risk-based capital ratio | 14.0693% | 5,214 |
| Memoranda: | ||
| Average total assets | $110,956,500 | 4,644 |
| Average earning assets | $103,924,000 | 4,575 |
| Average equity | $10,254,750 | 4,978 |
| Average total loans | $94,479,750 | 3,788 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 1,921 |
| Cost of funding earning assets | 1.9043% | 202 |
| Net interest margin | 3.3859% | 5,595 |
| Noninterest income to average assets | 0.7816% | 2,103 |
| Noninterest expense to average assets | 3.6066% | 1,724 |
| Loan and lease loss provision to assets | 0.0822% | 5,282 |
| Net operating income to assets | 0.3762% | 5,047 |
| Return on assets (ROA) | 0.4145% | 5,030 |
| Pretax return on assets | 0.2904% | 5,693 |
| Return on Equity (ROE) | 4.4586% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.4586% | 3,355 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5199% | 1,128 |
| Assets per employee ($millions) | 3.5266% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 5,703 |
| Loan loss allowance to noncurrent loans | 95.4386% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 4,394 |
| Noncurrent loans to loans | 1.2187% | 4,629 |
| Net loans and leases to total assets | 84.5688% | 206 |
| Net loans and leases to deposits | 113.0950% | 143 |
| Net loans and leases to core deposits | 114.8654% | 552 |
| Total domestic deposits to total assets | 74.7768% | 6,759 |
| Equity capital to assets | 9.4087% | 4,959 |
| Core capital (leverage) ratio | 9.3953% | 4,120 |
| Tier 1 risk-based capital ratio | 12.8915% | 5,004 |
| Total risk-based capital ratio | 14.1425% | 4,982 |
| Memoranda: | ||
| Average total assets | $109,520,330 | 4,709 |
| Average earning assets | $102,189,000 | 4,647 |
| Average equity | $10,182,670 | 4,997 |
| Average total loans | $94,256,000 | 3,832 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2810% | 1,930 |
| Cost of funding earning assets | 1.9054% | 239 |
| Net interest margin | 3.3756% | 5,523 |
| Noninterest income to average assets | 0.9998% | 1,327 |
| Noninterest expense to average assets | 3.6563% | 1,639 |
| Loan and lease loss provision to assets | 0.1095% | 4,648 |
| Net operating income to assets | 0.6897% | 3,553 |
| Return on assets (ROA) | 0.6897% | 3,625 |
| Pretax return on assets | 0.3758% | 5,412 |
| Return on Equity (ROE) | 7.4622% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.4622% | 1,956 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2819% | 1,479 |
| Assets per employee ($millions) | 3.4345% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,681 |
| Loan loss allowance to noncurrent loans | 89.3258% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.9535% | 3,370 |
| Noncurrent loans to loans | 1.3328% | 4,476 |
| Net loans and leases to total assets | 84.0471% | 227 |
| Net loans and leases to deposits | 112.0299% | 154 |
| Net loans and leases to core deposits | 114.1170% | 598 |
| Total domestic deposits to total assets | 75.0221% | 6,786 |
| Equity capital to assets | 9.3026% | 4,724 |
| Core capital (leverage) ratio | 9.3081% | 4,114 |
| Tier 1 risk-based capital ratio | 12.5575% | 5,207 |
| Total risk-based capital ratio | 13.8095% | 5,186 |
| Memoranda: | ||
| Average total assets | $109,618,500 | 4,742 |
| Average earning assets | $102,025,500 | 4,686 |
| Average equity | $10,131,000 | 5,011 |
| Average total loans | $94,613,000 | 3,864 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 2,147 |
| Cost of funding earning assets | 2.2531% | 251 |
| Net interest margin | 3.2802% | 6,037 |
| Noninterest income to average assets | 1.2439% | 968 |
| Noninterest expense to average assets | 4.0317% | 1,117 |
| Loan and lease loss provision to assets | 0.5273% | 3,042 |
| Net operating income to assets | -0.1558% | 6,060 |
| Return on assets (ROA) | -0.1371% | 6,090 |
| Pretax return on assets | -0.2070% | 6,092 |
| Return on Equity (ROE) | -1.5370% | 6,123 |
| Retained earnings to average equity (ytd only) | -1.5370% | 5,894 |
| Net charge-offs to loans | 0.5566% | 3,392 |
| Credit loss provision to net charge-offs | 107.0018% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.5925% | 5,510 |
| Efficiency ratio | 93.2474% | 1,103 |
| Assets per employee ($millions) | 3.5268% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 5,820 |
| Loan loss allowance to noncurrent loans | 86.9880% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 2.2134% | 3,078 |
| Noncurrent loans to loans | 1.3004% | 4,541 |
| Net loans and leases to total assets | 86.5785% | 158 |
| Net loans and leases to deposits | 115.7103% | 148 |
| Net loans and leases to core deposits | 117.8658% | 587 |
| Total domestic deposits to total assets | 74.8235% | 6,792 |
| Equity capital to assets | 9.1812% | 4,866 |
| Core capital (leverage) ratio | 9.1843% | 4,197 |
| Tier 1 risk-based capital ratio | 12.1384% | 5,348 |
| Total risk-based capital ratio | 13.3895% | 5,326 |
| Memoranda: | ||
| Average total assets | $113,030,400 | 4,637 |
| Average earning assets | $106,121,800 | 4,560 |
| Average equity | $10,084,400 | 5,107 |
| Average total loans | $100,067,600 | 3,788 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 2,170 |
| Cost of funding earning assets | 2.3272% | 249 |
| Net interest margin | 3.2447% | 6,191 |
| Noninterest income to average assets | 1.0823% | 1,221 |
| Noninterest expense to average assets | 3.7803% | 1,408 |
| Loan and lease loss provision to assets | 0.6973% | 2,202 |
| Net operating income to assets | -0.2270% | 6,352 |
| Return on assets (ROA) | -0.2246% | 6,406 |
| Pretax return on assets | -0.3381% | 6,441 |
| Return on Equity (ROE) | -2.5356% | 6,453 |
| Retained earnings to average equity (ytd only) | -2.5356% | 6,290 |
| Net charge-offs to loans | 0.7342% | 2,585 |
| Credit loss provision to net charge-offs | 107.0018% | 3,995 |
| Earnings coverage of net charge-offs (x) | 0.5458% | 5,481 |
| Efficiency ratio | 91.4003% | 1,181 |
| Assets per employee ($millions) | 3.5696% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 6,054 |
| Loan loss allowance to noncurrent loans | 71.2032% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.4495% | 2,918 |
| Noncurrent loans to loans | 1.5070% | 4,378 |
| Net loans and leases to total assets | 87.4127% | 126 |
| Net loans and leases to deposits | 114.9409% | 175 |
| Net loans and leases to core deposits | 118.1284% | 681 |
| Total domestic deposits to total assets | 76.0501% | 6,643 |
| Equity capital to assets | 8.7835% | 5,884 |
| Core capital (leverage) ratio | 8.7615% | 5,085 |
| Tier 1 risk-based capital ratio | 11.6951% | 5,734 |
| Total risk-based capital ratio | 12.9460% | 5,708 |
| Memoranda: | ||
| Average total assets | $113,955,000 | 4,675 |
| Average earning assets | $107,250,250 | 4,589 |
| Average equity | $10,096,000 | 5,162 |
| Average total loans | $101,149,250 | 3,829 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5801% | 2,210 |
| Cost of funding earning assets | 2.3846% | 250 |
| Net interest margin | 3.1955% | 6,331 |
| Noninterest income to average assets | 0.9292% | 1,586 |
| Noninterest expense to average assets | 3.7799% | 1,397 |
| Loan and lease loss provision to assets | 1.0469% | 1,387 |
| Net operating income to assets | -0.5814% | 6,730 |
| Return on assets (ROA) | -0.5779% | 6,757 |
| Pretax return on assets | -0.8747% | 6,829 |
| Return on Equity (ROE) | -6.5039% | 6,803 |
| Retained earnings to average equity (ytd only) | -6.5039% | 6,697 |
| Net charge-offs to loans | 0.9563% | 1,927 |
| Credit loss provision to net charge-offs | 123.1405% | 3,279 |
| Earnings coverage of net charge-offs (x) | 0.1963% | 5,532 |
| Efficiency ratio | 95.7721% | 981 |
| Assets per employee ($millions) | 2.7163% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 5,766 |
| Loan loss allowance to noncurrent loans | 56.2347% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2930% | 3,135 |
| Noncurrent loans to loans | 2.0186% | 3,694 |
| Net loans and leases to total assets | 87.7934% | 139 |
| Net loans and leases to deposits | 118.7645% | 137 |
| Net loans and leases to core deposits | 121.9100% | 635 |
| Total domestic deposits to total assets | 73.9223% | 6,983 |
| Equity capital to assets | 8.6619% | 5,928 |
| Core capital (leverage) ratio | 8.6505% | 5,155 |
| Tier 1 risk-based capital ratio | 11.4975% | 5,774 |
| Total risk-based capital ratio | 12.7489% | 5,739 |
| Memoranda: | ||
| Average total assets | $113,864,670 | 4,706 |
| Average earning assets | $107,525,330 | 4,612 |
| Average equity | $10,117,000 | 5,166 |
| Average total loans | $101,222,000 | 3,852 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6091% | 2,109 |
| Cost of funding earning assets | 2.3340% | 384 |
| Net interest margin | 3.2750% | 6,061 |
| Noninterest income to average assets | 0.6259% | 3,112 |
| Noninterest expense to average assets | 3.4214% | 2,175 |
| Loan and lease loss provision to assets | 0.0527% | 6,140 |
| Net operating income to assets | 0.1724% | 5,780 |
| Return on assets (ROA) | 0.1793% | 5,888 |
| Pretax return on assets | 0.2708% | 5,687 |
| Return on Equity (ROE) | 1.9933% | 5,763 |
| Retained earnings to average equity (ytd only) | 1.9933% | 4,936 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6196% | 1,308 |
| Assets per employee ($millions) | 3.4435% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,309 |
| Loan loss allowance to noncurrent loans | 277.3684% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 6,386 |
| Noncurrent loans to loans | 0.3726% | 6,547 |
| Net loans and leases to total assets | 88.8090% | 101 |
| Net loans and leases to deposits | 121.2255% | 123 |
| Net loans and leases to core deposits | 121.8829% | 711 |
| Total domestic deposits to total assets | 73.2594% | 7,134 |
| Equity capital to assets | 9.0271% | 5,240 |
| Core capital (leverage) ratio | 9.0187% | 4,532 |
| Tier 1 risk-based capital ratio | 12.0668% | 5,130 |
| Total risk-based capital ratio | 13.3080% | 5,104 |
| Memoranda: | ||
| Average total assets | $113,754,000 | 4,775 |
| Average earning assets | $107,968,000 | 4,658 |
| Average equity | $10,234,500 | 5,166 |
| Average total loans | $101,178,000 | 3,920 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 2,546 |
| Cost of funding earning assets | 2.8430% | 387 |
| Net interest margin | 2.9830% | 6,689 |
| Noninterest income to average assets | 0.6075% | 3,572 |
| Noninterest expense to average assets | 3.1960% | 3,393 |
| Loan and lease loss provision to assets | 0.5091% | 3,829 |
| Net operating income to assets | -0.1581% | 5,774 |
| Return on assets (ROA) | 0.0890% | 5,282 |
| Pretax return on assets | 0.1335% | 5,150 |
| Return on Equity (ROE) | 1.0207% | 5,227 |
| Retained earnings to average equity (ytd only) | 1.0207% | 4,322 |
| Net charge-offs to loans | 0.0517% | 6,579 |
| Credit loss provision to net charge-offs | 1,122.6415% | 266 |
| Earnings coverage of net charge-offs (x) | 6.0377% | 2,447 |
| Efficiency ratio | 92.1085% | 1,560 |
| Assets per employee ($millions) | 3.5585% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 6,177 |
| Loan loss allowance to noncurrent loans | 274.4737% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 5,794 |
| Noncurrent loans to loans | 0.3786% | 6,519 |
| Net loans and leases to total assets | 87.2383% | 213 |
| Net loans and leases to deposits | 116.8596% | 216 |
| Net loans and leases to core deposits | 155.2479% | 407 |
| Total domestic deposits to total assets | 74.6522% | 6,921 |
| Equity capital to assets | 8.9671% | 5,198 |
| Core capital (leverage) ratio | 8.9556% | 4,498 |
| Tier 1 risk-based capital ratio | 12.2360% | 4,736 |
| Total risk-based capital ratio | 13.4865% | 4,703 |
| Memoranda: | ||
| Average total assets | $116,866,200 | 4,664 |
| Average earning assets | $112,134,800 | 4,507 |
| Average equity | $10,188,600 | 5,243 |
| Average total loans | $102,435,400 | 3,883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8542% | 2,650 |
| Cost of funding earning assets | 2.9406% | 394 |
| Net interest margin | 2.9135% | 6,828 |
| Noninterest income to average assets | 0.5657% | 3,966 |
| Noninterest expense to average assets | 3.1900% | 3,331 |
| Loan and lease loss provision to assets | 0.6405% | 2,837 |
| Net operating income to assets | -0.2989% | 6,197 |
| Return on assets (ROA) | 0.0000% | 5,768 |
| Pretax return on assets | 0.0011% | 5,703 |
| Return on Equity (ROE) | 0.0000% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 0.0661% | 6,033 |
| Credit loss provision to net charge-offs | 1,107.8431% | 341 |
| Earnings coverage of net charge-offs (x) | 3.0196% | 3,720 |
| Efficiency ratio | 94.8113% | 1,347 |
| Assets per employee ($millions) | 4.0745% | 3,599 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,266 |
| Loan loss allowance to noncurrent loans | 211.4823% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 5,949 |
| Noncurrent loans to loans | 0.4743% | 6,370 |
| Net loans and leases to total assets | 87.6296% | 226 |
| Net loans and leases to deposits | 121.2438% | 183 |
| Net loans and leases to core deposits | 161.7336% | 356 |
| Total domestic deposits to total assets | 72.2755% | 7,175 |
| Equity capital to assets | 8.8573% | 5,696 |
| Core capital (leverage) ratio | 8.8474% | 4,896 |
| Tier 1 risk-based capital ratio | 11.9500% | 5,018 |
| Total risk-based capital ratio | 13.1495% | 5,001 |
| Memoranda: | ||
| Average total assets | $117,614,750 | 4,657 |
| Average earning assets | $112,988,000 | 4,516 |
| Average equity | $10,183,000 | 5,292 |
| Average total loans | $102,948,500 | 3,907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 2,832 |
| Cost of funding earning assets | 3.0204% | 440 |
| Net interest margin | 2.8243% | 6,967 |
| Noninterest income to average assets | 0.4546% | 4,819 |
| Noninterest expense to average assets | 3.2073% | 3,317 |
| Loan and lease loss provision to assets | 0.2105% | 4,938 |
| Net operating income to assets | -0.1632% | 6,122 |
| Return on assets (ROA) | 0.2946% | 5,029 |
| Pretax return on assets | 0.4462% | 4,806 |
| Return on Equity (ROE) | 3.4283% | 4,739 |
| Retained earnings to average equity (ytd only) | 3.4283% | 3,413 |
| Net charge-offs to loans | 0.0985% | 5,184 |
| Credit loss provision to net charge-offs | 245.0980% | 1,898 |
| Earnings coverage of net charge-offs (x) | -0.4314% | 6,034 |
| Efficiency ratio | 101.1683% | 1,121 |
| Assets per employee ($millions) | 4.2145% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5699% | 7,690 |
| Loan loss allowance to noncurrent loans | 125.0535% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 6,089 |
| Noncurrent loans to loans | 0.4558% | 6,382 |
| Net loans and leases to total assets | 86.3373% | 350 |
| Net loans and leases to deposits | 119.1598% | 255 |
| Net loans and leases to core deposits | 164.9222% | 382 |
| Total domestic deposits to total assets | 72.4550% | 7,196 |
| Equity capital to assets | 8.7164% | 5,732 |
| Core capital (leverage) ratio | 8.7032% | 5,081 |
| Tier 1 risk-based capital ratio | 12.1608% | 4,794 |
| Total risk-based capital ratio | 12.8525% | 5,217 |
| Memoranda: | ||
| Average total assets | $118,790,670 | 4,667 |
| Average earning assets | $114,223,000 | 4,509 |
| Average equity | $10,209,000 | 5,302 |
| Average total loans | $103,602,330 | 3,923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8591% | 2,987 |
| Cost of funding earning assets | 3.0604% | 510 |
| Net interest margin | 2.7987% | 6,994 |
| Noninterest income to average assets | 0.3927% | 5,267 |
| Noninterest expense to average assets | 2.9837% | 3,846 |
| Loan and lease loss provision to assets | 0.2182% | 4,271 |
| Net operating income to assets | -0.0776% | 6,374 |
| Return on assets (ROA) | 0.4363% | 4,889 |
| Pretax return on assets | 0.6612% | 4,554 |
| Return on Equity (ROE) | 5.1128% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.1128% | 3,058 |
| Net charge-offs to loans | 0.0691% | 4,508 |
| Credit loss provision to net charge-offs | 361.1111% | 1,407 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,895 |
| Efficiency ratio | 96.7356% | 1,282 |
| Assets per employee ($millions) | 4.0952% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5423% | 7,767 |
| Loan loss allowance to noncurrent loans | 164.0118% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 6,229 |
| Noncurrent loans to loans | 0.3306% | 6,602 |
| Net loans and leases to total assets | 85.8616% | 467 |
| Net loans and leases to deposits | 119.1668% | 308 |
| Net loans and leases to core deposits | 162.4337% | 462 |
| Total domestic deposits to total assets | 72.0517% | 7,202 |
| Equity capital to assets | 8.6097% | 5,901 |
| Core capital (leverage) ratio | 8.6083% | 5,326 |
| Tier 1 risk-based capital ratio | 12.1128% | 4,858 |
| Total risk-based capital ratio | 12.7716% | 5,285 |
| Memoranda: | ||
| Average total assets | $119,182,500 | 4,675 |
| Average earning assets | $114,624,500 | 4,517 |
| Average equity | $10,170,500 | 5,333 |
| Average total loans | $104,169,500 | 3,931 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3308% | 3,786 |
| Cost of funding earning assets | 3.3741% | 751 |
| Net interest margin | 2.9567% | 7,014 |
| Noninterest income to average assets | 0.2164% | 6,885 |
| Noninterest expense to average assets | 2.7655% | 4,986 |
| Loan and lease loss provision to assets | 0.1034% | 6,055 |
| Net operating income to assets | 0.1239% | 6,046 |
| Return on assets (ROA) | 0.1905% | 5,696 |
| Pretax return on assets | 0.2879% | 5,534 |
| Return on Equity (ROE) | 2.2150% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.2150% | 3,834 |
| Net charge-offs to loans | 0.1452% | 4,762 |
| Credit loss provision to net charge-offs | 80.0000% | 5,900 |
| Earnings coverage of net charge-offs (x) | 2.2467% | 4,956 |
| Efficiency ratio | 90.4937% | 1,474 |
| Assets per employee ($millions) | 4.4297% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4810% | 7,873 |
| Loan loss allowance to noncurrent loans | 530.2083% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 6,211 |
| Noncurrent loans to loans | 0.0907% | 7,152 |
| Net loans and leases to total assets | 88.0438% | 364 |
| Net loans and leases to deposits | 125.3831% | 278 |
| Net loans and leases to core deposits | 167.8216% | 444 |
| Total domestic deposits to total assets | 70.2198% | 7,252 |
| Equity capital to assets | 8.4580% | 6,159 |
| Core capital (leverage) ratio | 8.4412% | 5,677 |
| Tier 1 risk-based capital ratio | 11.6358% | 5,116 |
| Total risk-based capital ratio | 12.2226% | 5,659 |
| Memoranda: | ||
| Average total assets | $116,001,800 | 4,610 |
| Average earning assets | $111,407,000 | 4,486 |
| Average equity | $9,977,600 | 5,418 |
| Average total loans | $103,289,400 | 3,867 |