Home > Citizens Federal Savings and Loan Association > Performance and Condition Ratios
Citizens Federal Savings and Loan Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 4,170 |
| Cost of funding earning assets | 1.9882% | 1,956 |
| Net interest margin | 2.2083% | 4,212 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 1.9998% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.2798% | 3,886 |
| Return on assets (ROA) | 0.2798% | 3,915 |
| Pretax return on assets | 0.2971% | 3,943 |
| Return on Equity (ROE) | 2.9200% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.9205% | 3,110 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 87.0633% | 611 |
| Assets per employee ($millions) | 7.3486% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2110% | 4,355 |
| Loan loss allowance to noncurrent loans | 428.5714% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,424 |
| Noncurrent loans to loans | 0.0492% | 3,430 |
| Net loans and leases to total assets | 77.2300% | 926 |
| Net loans and leases to deposits | 85.6516% | 1,528 |
| Net loans and leases to core deposits | 107.7971% | 946 |
| Total domestic deposits to total assets | 90.1600% | 765 |
| Equity capital to assets | 9.6742% | 2,446 |
| Core capital (leverage) ratio | 10.4267% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4932% | 620 |
| Memoranda: | ||
| Average total assets | $184,423,000 | 3,123 |
| Average earning assets | $176,244,000 | 3,070 |
| Average equity | $17,668,500 | 3,171 |
| Average total loans | $142,224,000 | 2,840 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 4,275 |
| Cost of funding earning assets | 2.1777% | 1,798 |
| Net interest margin | 1.8335% | 4,321 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 1.9810% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.0334% | 4,210 |
| Return on assets (ROA) | -0.0282% | 4,230 |
| Pretax return on assets | -0.1049% | 4,245 |
| Return on Equity (ROE) | -0.2900% | 4,209 |
| Retained earnings to average equity (ytd only) | -0.2875% | 4,011 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 105.9640% | 210 |
| Assets per employee ($millions) | 8.0492% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2109% | 4,381 |
| Loan loss allowance to noncurrent loans | 434.7826% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,411 |
| Noncurrent loans to loans | 0.0485% | 3,404 |
| Net loans and leases to total assets | 76.6900% | 1,054 |
| Net loans and leases to deposits | 84.8557% | 1,697 |
| Net loans and leases to core deposits | 107.4950% | 1,049 |
| Total domestic deposits to total assets | 90.3700% | 701 |
| Equity capital to assets | 9.4873% | 2,465 |
| Core capital (leverage) ratio | 10.5547% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4343% | 624 |
| Memoranda: | ||
| Average total assets | $181,169,600 | 3,116 |
| Average earning assets | $172,889,000 | 3,072 |
| Average equity | $17,740,400 | 3,119 |
| Average total loans | $139,516,600 | 2,825 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 4,310 |
| Cost of funding earning assets | 2.1961% | 1,745 |
| Net interest margin | 1.7671% | 4,364 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 1.9950% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.1017% | 4,284 |
| Return on assets (ROA) | -0.0947% | 4,299 |
| Pretax return on assets | -0.1769% | 4,317 |
| Return on Equity (ROE) | -0.9600% | 4,282 |
| Retained earnings to average equity (ytd only) | -0.9596% | 4,131 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 110.2658% | 178 |
| Assets per employee ($millions) | 7.3767% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2125% | 4,414 |
| Loan loss allowance to noncurrent loans | 344.8276% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,403 |
| Noncurrent loans to loans | 0.0616% | 3,395 |
| Net loans and leases to total assets | 76.4000% | 1,070 |
| Net loans and leases to deposits | 85.0786% | 1,728 |
| Net loans and leases to core deposits | 108.5631% | 998 |
| Total domestic deposits to total assets | 89.8000% | 646 |
| Equity capital to assets | 9.8407% | 2,396 |
| Core capital (leverage) ratio | 10.5785% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5228% | 636 |
| Memoranda: | ||
| Average total assets | $180,179,250 | 3,123 |
| Average earning assets | $171,876,250 | 3,087 |
| Average equity | $17,784,500 | 3,114 |
| Average total loans | $138,827,500 | 2,827 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 4,333 |
| Cost of funding earning assets | 2.1583% | 1,750 |
| Net interest margin | 1.7571% | 4,378 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 2.0060% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.1180% | 4,316 |
| Return on assets (ROA) | -0.1074% | 4,332 |
| Pretax return on assets | -0.1935% | 4,351 |
| Return on Equity (ROE) | -1.0900% | 4,315 |
| Retained earnings to average equity (ytd only) | -1.0870% | 4,065 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 111.5050% | 178 |
| Assets per employee ($millions) | 7.4944% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2154% | 4,433 |
| Loan loss allowance to noncurrent loans | 193.5484% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 3,053 |
| Noncurrent loans to loans | 0.1113% | 3,089 |
| Net loans and leases to total assets | 77.2600% | 1,004 |
| Net loans and leases to deposits | 86.3731% | 1,616 |
| Net loans and leases to core deposits | 111.0303% | 933 |
| Total domestic deposits to total assets | 89.4500% | 860 |
| Equity capital to assets | 9.7245% | 2,249 |
| Core capital (leverage) ratio | 10.6758% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8652% | 599 |
| Memoranda: | ||
| Average total assets | $178,766,333 | 3,138 |
| Average earning assets | $170,506,000 | 3,099 |
| Average equity | $17,663,333 | 3,108 |
| Average total loans | $138,035,667 | 2,828 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 4,372 |
| Cost of funding earning assets | 2.0688% | 1,844 |
| Net interest margin | 1.7366% | 4,412 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 2.0245% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.1559% | 4,364 |
| Return on assets (ROA) | -0.1347% | 4,342 |
| Pretax return on assets | -0.2267% | 4,357 |
| Return on Equity (ROE) | -1.3500% | 4,318 |
| Retained earnings to average equity (ytd only) | -1.3522% | 3,870 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 114.3219% | 148 |
| Assets per employee ($millions) | 7.2047% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2180% | 4,424 |
| Loan loss allowance to noncurrent loans | 517.2414% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,486 |
| Noncurrent loans to loans | 0.0421% | 3,466 |
| Net loans and leases to total assets | 76.2300% | 1,041 |
| Net loans and leases to deposits | 84.7322% | 1,654 |
| Net loans and leases to core deposits | 110.8741% | 910 |
| Total domestic deposits to total assets | 89.9700% | 804 |
| Equity capital to assets | 9.8025% | 2,131 |
| Core capital (leverage) ratio | 10.8318% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0743% | 603 |
| Memoranda: | ||
| Average total assets | $178,216,500 | 3,152 |
| Average earning assets | $169,761,500 | 3,114 |
| Average equity | $17,749,500 | 3,112 |
| Average total loans | $137,418,500 | 2,833 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 4,353 |
| Cost of funding earning assets | 1.5416% | 1,835 |
| Net interest margin | 2.0523% | 4,398 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.1755% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0260% | 4,401 |
| Return on assets (ROA) | -0.0260% | 4,385 |
| Pretax return on assets | -0.0854% | 4,397 |
| Return on Equity (ROE) | -0.2600% | 4,360 |
| Retained earnings to average equity (ytd only) | -0.2645% | 4,118 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 104.0877% | 150 |
| Assets per employee ($millions) | 7.0526% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2186% | 4,443 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,288 |
| Noncurrent loans to loans | 0.0583% | 3,302 |
| Net loans and leases to total assets | 77.6600% | 897 |
| Net loans and leases to deposits | 86.6044% | 1,569 |
| Net loans and leases to core deposits | 110.5509% | 941 |
| Total domestic deposits to total assets | 89.6700% | 852 |
| Equity capital to assets | 10.1199% | 1,936 |
| Core capital (leverage) ratio | 10.8926% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3958% | 579 |
| Memoranda: | ||
| Average total assets | $176,744,800 | 3,154 |
| Average earning assets | $168,393,200 | 3,110 |
| Average equity | $17,393,400 | 3,064 |
| Average total loans | $137,180,600 | 2,798 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,363 |
| Cost of funding earning assets | 1.4143% | 1,825 |
| Net interest margin | 2.1203% | 4,401 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.2323% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0151% | 4,444 |
| Return on assets (ROA) | -0.0151% | 4,423 |
| Pretax return on assets | -0.0716% | 4,435 |
| Return on Equity (ROE) | -0.1500% | 4,391 |
| Retained earnings to average equity (ytd only) | -0.1543% | 4,168 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 103.3147% | 142 |
| Assets per employee ($millions) | 7.0213% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2176% | 4,464 |
| Loan loss allowance to noncurrent loans | 483.8710% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,448 |
| Noncurrent loans to loans | 0.0450% | 3,436 |
| Net loans and leases to total assets | 78.3600% | 836 |
| Net loans and leases to deposits | 86.7780% | 1,484 |
| Net loans and leases to core deposits | 112.7290% | 776 |
| Total domestic deposits to total assets | 90.3000% | 860 |
| Equity capital to assets | 9.4729% | 2,114 |
| Core capital (leverage) ratio | 10.8937% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4265% | 595 |
| Memoranda: | ||
| Average total assets | $176,852,000 | 3,156 |
| Average earning assets | $168,459,750 | 3,117 |
| Average equity | $17,281,000 | 3,059 |
| Average total loans | $137,169,500 | 2,804 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4815% | 4,360 |
| Cost of funding earning assets | 1.2979% | 1,714 |
| Net interest margin | 2.1836% | 4,436 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.2629% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0090% | 4,409 |
| Return on assets (ROA) | 0.0090% | 4,445 |
| Pretax return on assets | -0.0406% | 4,473 |
| Return on Equity (ROE) | 0.0900% | 4,431 |
| Retained earnings to average equity (ytd only) | 0.0914% | 4,054 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 101.8274% | 152 |
| Assets per employee ($millions) | 6.7538% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2193% | 4,497 |
| Loan loss allowance to noncurrent loans | 461.5385% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,410 |
| Noncurrent loans to loans | 0.0475% | 3,377 |
| Net loans and leases to total assets | 77.7400% | 865 |
| Net loans and leases to deposits | 86.4992% | 1,462 |
| Net loans and leases to core deposits | 111.9898% | 746 |
| Total domestic deposits to total assets | 89.8800% | 957 |
| Equity capital to assets | 9.9436% | 1,890 |
| Core capital (leverage) ratio | 10.8817% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6526% | 583 |
| Memoranda: | ||
| Average total assets | $177,292,000 | 3,161 |
| Average earning assets | $168,891,667 | 3,117 |
| Average equity | $17,498,667 | 3,063 |
| Average total loans | $136,944,667 | 2,804 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 4,337 |
| Cost of funding earning assets | 1.1674% | 1,540 |
| Net interest margin | 2.2711% | 4,465 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.2971% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0382% | 4,458 |
| Return on assets (ROA) | 0.0382% | 4,443 |
| Pretax return on assets | -0.0022% | 4,468 |
| Return on Equity (ROE) | 0.3900% | 4,425 |
| Retained earnings to average equity (ytd only) | 0.3882% | 3,965 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 100.0978% | 169 |
| Assets per employee ($millions) | 6.5922% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2195% | 4,560 |
| Loan loss allowance to noncurrent loans | 352.9412% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,309 |
| Noncurrent loans to loans | 0.0622% | 3,290 |
| Net loans and leases to total assets | 76.6300% | 912 |
| Net loans and leases to deposits | 85.2557% | 1,409 |
| Net loans and leases to core deposits | 111.6174% | 652 |
| Total domestic deposits to total assets | 89.8800% | 1,200 |
| Equity capital to assets | 9.9461% | 1,843 |
| Core capital (leverage) ratio | 10.8471% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5868% | 601 |
| Memoranda: | ||
| Average total assets | $178,138,000 | 3,193 |
| Average earning assets | $169,607,500 | 3,148 |
| Average equity | $17,517,500 | 3,088 |
| Average total loans | $137,007,000 | 2,826 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0787% | 4,027 |
| Cost of funding earning assets | 0.6398% | 754 |
| Net interest margin | 2.4389% | 4,337 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.0493% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5363% | 4,024 |
| Return on assets (ROA) | 0.5255% | 4,001 |
| Pretax return on assets | 0.6123% | 4,009 |
| Return on Equity (ROE) | 5.2700% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.2721% | 2,938 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.6339% | 955 |
| Assets per employee ($millions) | 6.6032% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2185% | 4,577 |
| Loan loss allowance to noncurrent loans | 909.0909% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,661 |
| Noncurrent loans to loans | 0.0240% | 3,622 |
| Net loans and leases to total assets | 76.8500% | 914 |
| Net loans and leases to deposits | 85.2567% | 1,373 |
| Net loans and leases to core deposits | 109.7431% | 619 |
| Total domestic deposits to total assets | 90.1500% | 1,294 |
| Equity capital to assets | 9.7214% | 1,875 |
| Core capital (leverage) ratio | 10.9973% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4818% | 584 |
| Memoranda: | ||
| Average total assets | $175,082,200 | 3,235 |
| Average earning assets | $167,082,600 | 3,184 |
| Average equity | $17,450,200 | 3,168 |
| Average total loans | $132,240,000 | 2,798 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9848% | 3,910 |
| Cost of funding earning assets | 0.5776% | 491 |
| Net interest margin | 2.4072% | 4,316 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.9837% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3868% | 4,259 |
| Return on assets (ROA) | 0.3718% | 4,230 |
| Pretax return on assets | 0.4185% | 4,250 |
| Return on Equity (ROE) | 3.7100% | 4,198 |
| Retained earnings to average equity (ytd only) | 3.7071% | 3,551 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.0051% | 651 |
| Assets per employee ($millions) | 6.4293% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2228% | 4,616 |
| Loan loss allowance to noncurrent loans | 250.0000% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,202 |
| Noncurrent loans to loans | 0.0891% | 3,243 |
| Net loans and leases to total assets | 77.3900% | 765 |
| Net loans and leases to deposits | 85.5878% | 1,196 |
| Net loans and leases to core deposits | 109.9115% | 469 |
| Total domestic deposits to total assets | 90.4200% | 1,463 |
| Equity capital to assets | 9.4055% | 1,943 |
| Core capital (leverage) ratio | 10.7816% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4668% | 607 |
| Memoranda: | ||
| Average total assets | $174,281,000 | 3,263 |
| Average earning assets | $166,437,500 | 3,210 |
| Average equity | $17,479,750 | 3,203 |
| Average total loans | $130,969,500 | 2,816 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8822% | 3,826 |
| Cost of funding earning assets | 0.5616% | 365 |
| Net interest margin | 2.3206% | 4,316 |
| Noninterest income to average assets | 0.1226% | 4,385 |
| Noninterest expense to average assets | 1.9666% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3392% | 4,218 |
| Return on assets (ROA) | 0.3392% | 4,175 |
| Pretax return on assets | 0.3771% | 4,191 |
| Return on Equity (ROE) | 3.3139% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.3139% | 3,344 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9120% | 684 |
| Assets per employee ($millions) | 6.6495% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2274% | 4,686 |
| Loan loss allowance to noncurrent loans | 151.5152% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,904 |
| Noncurrent loans to loans | 0.1501% | 2,948 |
| Net loans and leases to total assets | 76.1493% | 715 |
| Net loans and leases to deposits | 84.7433% | 1,070 |
| Net loans and leases to core deposits | 108.1970% | 391 |
| Total domestic deposits to total assets | 89.8588% | 1,765 |
| Equity capital to assets | 9.9272% | 1,747 |
| Core capital (leverage) ratio | 10.6572% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6182% | 575 |
| Memoranda: | ||
| Average total assets | $174,511,333 | 3,291 |
| Average earning assets | $167,027,333 | 3,248 |
| Average equity | $17,864,000 | 3,246 |
| Average total loans | $129,747,333 | 2,846 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7885% | 3,764 |
| Cost of funding earning assets | 0.5681% | 323 |
| Net interest margin | 2.2203% | 4,323 |
| Noninterest income to average assets | 0.1232% | 4,391 |
| Noninterest expense to average assets | 1.9667% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2624% | 4,220 |
| Return on assets (ROA) | 0.2624% | 4,190 |
| Pretax return on assets | 0.2875% | 4,201 |
| Return on Equity (ROE) | 2.5255% | 4,181 |
| Retained earnings to average equity (ytd only) | 2.5255% | 3,403 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2470% | 671 |
| Assets per employee ($millions) | 6.7435% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2317% | 4,711 |
| Loan loss allowance to noncurrent loans | 491.8033% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,693 |
| Noncurrent loans to loans | 0.0471% | 3,638 |
| Net loans and leases to total assets | 73.6669% | 685 |
| Net loans and leases to deposits | 82.2692% | 996 |
| Net loans and leases to core deposits | 105.8862% | 353 |
| Total domestic deposits to total assets | 89.5438% | 1,790 |
| Equity capital to assets | 10.1460% | 1,795 |
| Core capital (leverage) ratio | 10.5311% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8528% | 576 |
| Memoranda: | ||
| Average total assets | $175,323,000 | 3,302 |
| Average earning assets | $168,265,500 | 3,245 |
| Average equity | $18,214,500 | 3,308 |
| Average total loans | $128,644,500 | 2,862 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8960% | 4,062 |
| Cost of funding earning assets | 0.6631% | 392 |
| Net interest margin | 2.2329% | 4,467 |
| Noninterest income to average assets | 0.2616% | 3,807 |
| Noninterest expense to average assets | 1.9797% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3766% | 4,311 |
| Return on assets (ROA) | 0.3965% | 4,311 |
| Pretax return on assets | 0.4631% | 4,305 |
| Return on Equity (ROE) | 3.6152% | 4,272 |
| Retained earnings to average equity (ytd only) | 3.6152% | 3,375 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 693 |
| Assets per employee ($millions) | 6.7429% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2347% | 4,749 |
| Loan loss allowance to noncurrent loans | 182.9268% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 3,282 |
| Noncurrent loans to loans | 0.1283% | 3,290 |
| Net loans and leases to total assets | 72.7422% | 783 |
| Net loans and leases to deposits | 81.8200% | 1,082 |
| Net loans and leases to core deposits | 104.7148% | 394 |
| Total domestic deposits to total assets | 88.9051% | 1,566 |
| Equity capital to assets | 10.6323% | 2,061 |
| Core capital (leverage) ratio | 10.8986% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3066% | 535 |
| Memoranda: | ||
| Average total assets | $168,206,800 | 3,319 |
| Average earning assets | $162,571,000 | 3,247 |
| Average equity | $18,450,000 | 3,351 |
| Average total loans | $129,095,800 | 2,866 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9459% | 4,091 |
| Cost of funding earning assets | 0.6851% | 414 |
| Net interest margin | 2.2608% | 4,519 |
| Noninterest income to average assets | 0.2748% | 3,777 |
| Noninterest expense to average assets | 2.0060% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3889% | 4,386 |
| Return on assets (ROA) | 0.4158% | 4,382 |
| Pretax return on assets | 0.4863% | 4,386 |
| Return on Equity (ROE) | 3.7603% | 4,340 |
| Retained earnings to average equity (ytd only) | 3.7603% | 3,654 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5104% | 665 |
| Assets per employee ($millions) | 6.5406% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2313% | 4,833 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 3,896 |
| Noncurrent loans to loans | 0.0509% | 3,857 |
| Net loans and leases to total assets | 76.1043% | 544 |
| Net loans and leases to deposits | 86.5477% | 797 |
| Net loans and leases to core deposits | 111.1340% | 304 |
| Total domestic deposits to total assets | 87.9334% | 1,883 |
| Equity capital to assets | 10.9264% | 2,068 |
| Core capital (leverage) ratio | 10.8882% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4358% | 574 |
| Memoranda: | ||
| Average total assets | $166,429,750 | 3,363 |
| Average earning assets | $160,941,750 | 3,299 |
| Average equity | $18,402,500 | 3,397 |
| Average total loans | $129,412,750 | 2,899 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 4,056 |
| Cost of funding earning assets | 0.6970% | 475 |
| Net interest margin | 2.2974% | 4,523 |
| Noninterest income to average assets | 0.2699% | 3,784 |
| Noninterest expense to average assets | 1.9913% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4247% | 4,336 |
| Return on assets (ROA) | 0.4648% | 4,322 |
| Pretax return on assets | 0.5484% | 4,318 |
| Return on Equity (ROE) | 4.1869% | 4,299 |
| Retained earnings to average equity (ytd only) | 4.1869% | 3,462 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8932% | 793 |
| Assets per employee ($millions) | 6.4640% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2314% | 4,868 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,957 |
| Noncurrent loans to loans | 0.0578% | 3,892 |
| Net loans and leases to total assets | 76.9774% | 511 |
| Net loans and leases to deposits | 87.5863% | 804 |
| Net loans and leases to core deposits | 111.5940% | 323 |
| Total domestic deposits to total assets | 87.8874% | 1,893 |
| Equity capital to assets | 11.0047% | 1,966 |
| Core capital (leverage) ratio | 10.8543% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3838% | 583 |
| Memoranda: | ||
| Average total assets | $165,221,000 | 3,382 |
| Average earning assets | $159,832,667 | 3,315 |
| Average equity | $18,343,000 | 3,399 |
| Average total loans | $129,310,333 | 2,912 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0442% | 3,995 |
| Cost of funding earning assets | 0.7264% | 498 |
| Net interest margin | 2.3178% | 4,509 |
| Noninterest income to average assets | 0.3199% | 3,488 |
| Noninterest expense to average assets | 2.0195% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4640% | 4,246 |
| Return on assets (ROA) | 0.4640% | 4,285 |
| Pretax return on assets | 0.5446% | 4,285 |
| Return on Equity (ROE) | 4.1605% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.1605% | 3,456 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7619% | 913 |
| Assets per employee ($millions) | 6.1495% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2297% | 4,898 |
| Loan loss allowance to noncurrent loans | 394.7368% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 4,047 |
| Noncurrent loans to loans | 0.0582% | 3,993 |
| Net loans and leases to total assets | 78.4739% | 437 |
| Net loans and leases to deposits | 89.3282% | 741 |
| Net loans and leases to core deposits | 113.6766% | 331 |
| Total domestic deposits to total assets | 87.8490% | 1,915 |
| Equity capital to assets | 11.0470% | 1,824 |
| Core capital (leverage) ratio | 10.9661% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1549% | 572 |
| Memoranda: | ||
| Average total assets | $163,799,000 | 3,394 |
| Average earning assets | $158,596,500 | 3,322 |
| Average equity | $18,267,000 | 3,398 |
| Average total loans | $129,129,500 | 2,911 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2967% | 4,337 |
| Cost of funding earning assets | 0.9183% | 812 |
| Net interest margin | 2.3784% | 4,668 |
| Noninterest income to average assets | 0.5182% | 2,555 |
| Noninterest expense to average assets | 2.9222% | 1,630 |
| Loan and lease loss provision to assets | 0.0132% | 4,207 |
| Net operating income to assets | -0.0353% | 4,751 |
| Return on assets (ROA) | -0.0218% | 4,778 |
| Pretax return on assets | -0.0990% | 4,798 |
| Return on Equity (ROE) | -0.1906% | 4,780 |
| Retained earnings to average equity (ytd only) | -0.1906% | 4,549 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6525% | 145 |
| Assets per employee ($millions) | 5.9838% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2350% | 4,919 |
| Loan loss allowance to noncurrent loans | 227.2727% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,922 |
| Noncurrent loans to loans | 0.1034% | 3,880 |
| Net loans and leases to total assets | 78.8329% | 514 |
| Net loans and leases to deposits | 89.3494% | 976 |
| Net loans and leases to core deposits | 112.5909% | 438 |
| Total domestic deposits to total assets | 88.2299% | 1,358 |
| Equity capital to assets | 11.2601% | 2,047 |
| Core capital (leverage) ratio | 11.7013% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5616% | 536 |
| Memoranda: | ||
| Average total assets | $151,497,400 | 3,390 |
| Average earning assets | $146,569,200 | 3,309 |
| Average equity | $17,310,200 | 3,433 |
| Average total loans | $112,640,000 | 3,060 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 4,407 |
| Cost of funding earning assets | 0.9523% | 901 |
| Net interest margin | 2.4024% | 4,719 |
| Noninterest income to average assets | 0.5244% | 2,505 |
| Noninterest expense to average assets | 3.2844% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.2810% | 4,858 |
| Return on assets (ROA) | -0.2810% | 4,863 |
| Pretax return on assets | -0.4367% | 4,886 |
| Return on Equity (ROE) | -2.4498% | 4,869 |
| Retained earnings to average equity (ytd only) | -2.4498% | 4,738 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3363% | 93 |
| Assets per employee ($millions) | 5.6732% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2341% | 4,954 |
| Loan loss allowance to noncurrent loans | 388.8889% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 4,221 |
| Noncurrent loans to loans | 0.0602% | 4,134 |
| Net loans and leases to total assets | 75.1306% | 1,220 |
| Net loans and leases to deposits | 85.3641% | 1,769 |
| Net loans and leases to core deposits | 107.6470% | 782 |
| Total domestic deposits to total assets | 88.0120% | 1,214 |
| Equity capital to assets | 11.3000% | 2,150 |
| Core capital (leverage) ratio | 11.5787% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1710% | 505 |
| Memoranda: | ||
| Average total assets | $148,981,250 | 3,403 |
| Average earning assets | $144,076,000 | 3,322 |
| Average equity | $17,089,750 | 3,452 |
| Average total loans | $108,884,000 | 3,118 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4043% | 4,535 |
| Cost of funding earning assets | 0.9866% | 1,026 |
| Net interest margin | 2.4176% | 4,782 |
| Noninterest income to average assets | 0.5367% | 2,408 |
| Noninterest expense to average assets | 2.4504% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3706% | 4,290 |
| Return on assets (ROA) | 0.3706% | 4,349 |
| Pretax return on assets | 0.4242% | 4,382 |
| Return on Equity (ROE) | 3.2137% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.2137% | 3,298 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2436% | 573 |
| Assets per employee ($millions) | 5.9822% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2611% | 4,973 |
| Loan loss allowance to noncurrent loans | 189.1892% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,052 |
| Noncurrent loans to loans | 0.1380% | 3,905 |
| Net loans and leases to total assets | 68.7564% | 2,222 |
| Net loans and leases to deposits | 78.0654% | 2,645 |
| Net loans and leases to core deposits | 98.0660% | 1,406 |
| Total domestic deposits to total assets | 88.0754% | 1,133 |
| Equity capital to assets | 10.9795% | 2,361 |
| Core capital (leverage) ratio | 12.3952% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4644% | 382 |
| Memoranda: | ||
| Average total assets | $145,691,667 | 3,423 |
| Average earning assets | $140,882,000 | 3,337 |
| Average equity | $16,803,000 | 3,478 |
| Average total loans | $105,303,667 | 3,160 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 4,575 |
| Cost of funding earning assets | 1.0172% | 1,348 |
| Net interest margin | 2.5431% | 4,794 |
| Noninterest income to average assets | 0.2870% | 3,805 |
| Noninterest expense to average assets | 2.7279% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0483% | 4,712 |
| Return on assets (ROA) | 0.0483% | 4,707 |
| Pretax return on assets | 0.0170% | 4,722 |
| Return on Equity (ROE) | 0.4080% | 4,701 |
| Retained earnings to average equity (ytd only) | 0.4080% | 3,902 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3789% | 247 |
| Assets per employee ($millions) | 5.1641% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2637% | 5,012 |
| Loan loss allowance to noncurrent loans | 135.2657% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 3,930 |
| Noncurrent loans to loans | 0.1949% | 3,781 |
| Net loans and leases to total assets | 73.2513% | 1,739 |
| Net loans and leases to deposits | 83.9060% | 2,245 |
| Net loans and leases to core deposits | 106.1399% | 1,053 |
| Total domestic deposits to total assets | 87.3017% | 1,423 |
| Equity capital to assets | 11.5537% | 2,393 |
| Core capital (leverage) ratio | 12.6639% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7412% | 407 |
| Memoranda: | ||
| Average total assets | $140,769,500 | 3,447 |
| Average earning assets | $136,054,500 | 3,372 |
| Average equity | $16,666,000 | 3,503 |
| Average total loans | $104,345,000 | 3,167 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,676 |
| Cost of funding earning assets | 0.9149% | 2,135 |
| Net interest margin | 2.7884% | 4,767 |
| Noninterest income to average assets | 0.1990% | 4,469 |
| Noninterest expense to average assets | 2.5660% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2998% | 4,747 |
| Return on assets (ROA) | 0.3018% | 4,779 |
| Pretax return on assets | 0.3292% | 4,794 |
| Return on Equity (ROE) | 2.4976% | 4,745 |
| Retained earnings to average equity (ytd only) | 2.4976% | 3,785 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6985% | 408 |
| Assets per employee ($millions) | 5.2671% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2732% | 5,058 |
| Loan loss allowance to noncurrent loans | 100.7194% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 3,654 |
| Noncurrent loans to loans | 0.2712% | 3,478 |
| Net loans and leases to total assets | 74.6380% | 1,640 |
| Net loans and leases to deposits | 85.9944% | 2,089 |
| Net loans and leases to core deposits | 102.3819% | 1,373 |
| Total domestic deposits to total assets | 86.7940% | 1,710 |
| Equity capital to assets | 12.1406% | 2,051 |
| Core capital (leverage) ratio | 13.2375% | 1,141 |
| Tier 1 risk-based capital ratio | 26.7640% | 631 |
| Total risk-based capital ratio | 27.1871% | 665 |
| Memoranda: | ||
| Average total assets | $135,190,000 | 3,504 |
| Average earning assets | $130,614,400 | 3,413 |
| Average equity | $16,335,800 | 3,515 |
| Average total loans | $97,391,000 | 3,262 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,778 |
| Cost of funding earning assets | 0.9025% | 2,226 |
| Net interest margin | 2.8058% | 4,856 |
| Noninterest income to average assets | 0.1900% | 4,576 |
| Noninterest expense to average assets | 2.5884% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2891% | 4,859 |
| Return on assets (ROA) | 0.2919% | 4,870 |
| Pretax return on assets | 0.3146% | 4,889 |
| Return on Equity (ROE) | 2.4185% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.4185% | 4,134 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2528% | 353 |
| Assets per employee ($millions) | 5.4130% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2822% | 5,124 |
| Loan loss allowance to noncurrent loans | 97.9021% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 3,725 |
| Noncurrent loans to loans | 0.2882% | 3,502 |
| Net loans and leases to total assets | 73.1219% | 1,975 |
| Net loans and leases to deposits | 84.3582% | 2,413 |
| Net loans and leases to core deposits | 102.3934% | 1,464 |
| Total domestic deposits to total assets | 86.6803% | 1,690 |
| Equity capital to assets | 12.2157% | 2,101 |
| Core capital (leverage) ratio | 13.1985% | 1,257 |
| Tier 1 risk-based capital ratio | 27.1427% | 628 |
| Total risk-based capital ratio | 27.5746% | 672 |
| Memoranda: | ||
| Average total assets | $134,751,250 | 3,542 |
| Average earning assets | $130,157,750 | 3,458 |
| Average equity | $16,263,250 | 3,551 |
| Average total loans | $96,115,500 | 3,322 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 4,853 |
| Cost of funding earning assets | 0.8633% | 2,329 |
| Net interest margin | 2.8163% | 4,916 |
| Noninterest income to average assets | 0.2215% | 4,416 |
| Noninterest expense to average assets | 2.6397% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2827% | 4,898 |
| Return on assets (ROA) | 0.2869% | 4,903 |
| Pretax return on assets | 0.3062% | 4,931 |
| Return on Equity (ROE) | 2.3865% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.3865% | 3,985 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7423% | 359 |
| Assets per employee ($millions) | 5.4325% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2919% | 5,176 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 4,039 |
| Noncurrent loans to loans | 0.2043% | 3,818 |
| Net loans and leases to total assets | 70.4223% | 2,469 |
| Net loans and leases to deposits | 80.8908% | 2,857 |
| Net loans and leases to core deposits | 96.9086% | 1,986 |
| Total domestic deposits to total assets | 87.0586% | 1,575 |
| Equity capital to assets | 12.0888% | 2,123 |
| Core capital (leverage) ratio | 13.1469% | 1,234 |
| Tier 1 risk-based capital ratio | 27.2235% | 603 |
| Total risk-based capital ratio | 27.6592% | 650 |
| Memoranda: | ||
| Average total assets | $134,559,670 | 3,562 |
| Average earning assets | $129,959,670 | 3,479 |
| Average equity | $16,174,000 | 3,551 |
| Average total loans | $95,076,330 | 3,353 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 4,915 |
| Cost of funding earning assets | 0.8104% | 2,478 |
| Net interest margin | 2.8334% | 4,954 |
| Noninterest income to average assets | 0.2688% | 4,077 |
| Noninterest expense to average assets | 2.6700% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3106% | 4,882 |
| Return on assets (ROA) | 0.3106% | 4,890 |
| Pretax return on assets | 0.3345% | 4,920 |
| Return on Equity (ROE) | 2.5916% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.5916% | 3,891 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8668% | 440 |
| Assets per employee ($millions) | 5.1521% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2976% | 5,247 |
| Loan loss allowance to noncurrent loans | 87.7743% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 3,674 |
| Noncurrent loans to loans | 0.3391% | 3,365 |
| Net loans and leases to total assets | 70.0263% | 2,473 |
| Net loans and leases to deposits | 80.5882% | 2,769 |
| Net loans and leases to core deposits | 96.6483% | 1,886 |
| Total domestic deposits to total assets | 86.8940% | 1,866 |
| Equity capital to assets | 12.0855% | 1,972 |
| Core capital (leverage) ratio | 13.1821% | 1,192 |
| Tier 1 risk-based capital ratio | 27.3244% | 602 |
| Total risk-based capital ratio | 27.7639% | 644 |
| Memoranda: | ||
| Average total assets | $133,933,500 | 3,610 |
| Average earning assets | $129,314,000 | 3,524 |
| Average equity | $16,052,000 | 3,576 |
| Average total loans | $94,653,500 | 3,396 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 4,885 |
| Cost of funding earning assets | 0.6993% | 2,097 |
| Net interest margin | 2.8318% | 4,991 |
| Noninterest income to average assets | 0.2474% | 4,438 |
| Noninterest expense to average assets | 2.5552% | 3,452 |
| Loan and lease loss provision to assets | 0.0059% | 3,998 |
| Net operating income to assets | 0.3811% | 4,891 |
| Return on assets (ROA) | 0.3811% | 4,887 |
| Pretax return on assets | 0.4224% | 4,920 |
| Return on Equity (ROE) | 3.3182% | 4,852 |
| Retained earnings to average equity (ytd only) | 3.3182% | 3,751 |
| Net charge-offs to loans | 0.0081% | 3,401 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 912 |
| Efficiency ratio | 85.6436% | 551 |
| Assets per employee ($millions) | 4.9597% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2940% | 5,284 |
| Loan loss allowance to noncurrent loans | 82.1114% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 3,568 |
| Noncurrent loans to loans | 0.3581% | 3,254 |
| Net loans and leases to total assets | 70.8998% | 2,431 |
| Net loans and leases to deposits | 81.3162% | 2,813 |
| Net loans and leases to core deposits | 96.8480% | 1,978 |
| Total domestic deposits to total assets | 87.1902% | 1,688 |
| Equity capital to assets | 11.8846% | 1,978 |
| Core capital (leverage) ratio | 12.9930% | 1,254 |
| Tier 1 risk-based capital ratio | 27.1808% | 605 |
| Total risk-based capital ratio | 27.6206% | 642 |
| Memoranda: | ||
| Average total assets | $135,409,000 | 3,573 |
| Average earning assets | $130,837,600 | 3,484 |
| Average equity | $15,550,800 | 3,569 |
| Average total loans | $99,343,000 | 3,304 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 4,934 |
| Cost of funding earning assets | 0.6849% | 1,948 |
| Net interest margin | 2.8056% | 5,079 |
| Noninterest income to average assets | 0.2740% | 4,321 |
| Noninterest expense to average assets | 2.5530% | 3,432 |
| Loan and lease loss provision to assets | 0.0079% | 3,818 |
| Net operating income to assets | 0.3820% | 4,985 |
| Return on assets (ROA) | 0.3820% | 4,984 |
| Pretax return on assets | 0.4242% | 5,008 |
| Return on Equity (ROE) | 3.3548% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.3548% | 4,074 |
| Net charge-offs to loans | 0.0106% | 3,043 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 54.9813% | 1,112 |
| Efficiency ratio | 85.5263% | 542 |
| Assets per employee ($millions) | 5.0049% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 5,359 |
| Loan loss allowance to noncurrent loans | 85.3659% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,740 |
| Noncurrent loans to loans | 0.3364% | 3,457 |
| Net loans and leases to total assets | 71.9388% | 2,336 |
| Net loans and leases to deposits | 82.2236% | 2,788 |
| Net loans and leases to core deposits | 98.7877% | 1,882 |
| Total domestic deposits to total assets | 87.4916% | 1,495 |
| Equity capital to assets | 11.5997% | 2,178 |
| Core capital (leverage) ratio | 12.8329% | 1,353 |
| Tier 1 risk-based capital ratio | 26.5254% | 647 |
| Total risk-based capital ratio | 26.9578% | 682 |
| Memoranda: | ||
| Average total assets | $135,783,000 | 3,605 |
| Average earning assets | $131,210,000 | 3,514 |
| Average equity | $15,459,750 | 3,603 |
| Average total loans | $100,372,750 | 3,318 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 4,973 |
| Cost of funding earning assets | 0.6739% | 1,779 |
| Net interest margin | 2.7823% | 5,138 |
| Noninterest income to average assets | 0.2603% | 4,445 |
| Noninterest expense to average assets | 2.5882% | 3,364 |
| Loan and lease loss provision to assets | 0.0118% | 3,622 |
| Net operating income to assets | 0.3235% | 5,088 |
| Return on assets (ROA) | 0.3235% | 5,082 |
| Pretax return on assets | 0.3500% | 5,106 |
| Return on Equity (ROE) | 2.8594% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.8594% | 4,110 |
| Net charge-offs to loans | 0.0158% | 2,614 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,481 |
| Efficiency ratio | 87.7368% | 482 |
| Assets per employee ($millions) | 5.1875% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2804% | 5,429 |
| Loan loss allowance to noncurrent loans | 114.7541% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,074 |
| Noncurrent loans to loans | 0.2444% | 3,827 |
| Net loans and leases to total assets | 73.8267% | 1,969 |
| Net loans and leases to deposits | 84.2639% | 2,509 |
| Net loans and leases to core deposits | 101.4684% | 1,606 |
| Total domestic deposits to total assets | 87.6136% | 1,583 |
| Equity capital to assets | 11.5360% | 2,174 |
| Core capital (leverage) ratio | 12.7575% | 1,326 |
| Tier 1 risk-based capital ratio | 26.2969% | 651 |
| Total risk-based capital ratio | 26.7299% | 687 |
| Memoranda: | ||
| Average total assets | $135,999,670 | 3,625 |
| Average earning assets | $131,472,330 | 3,533 |
| Average equity | $15,388,000 | 3,631 |
| Average total loans | $101,332,670 | 3,315 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 4,957 |
| Cost of funding earning assets | 0.6661% | 1,621 |
| Net interest margin | 2.7826% | 5,174 |
| Noninterest income to average assets | 0.1406% | 5,166 |
| Noninterest expense to average assets | 2.6186% | 3,283 |
| Loan and lease loss provision to assets | 0.0234% | 3,217 |
| Net operating income to assets | 0.1992% | 5,240 |
| Return on assets (ROA) | 0.1992% | 5,238 |
| Pretax return on assets | 0.1904% | 5,270 |
| Return on Equity (ROE) | 1.7775% | 5,211 |
| Retained earnings to average equity (ytd only) | 1.7775% | 4,422 |
| Net charge-offs to loans | 0.0314% | 1,872 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 9.1250% | 1,987 |
| Efficiency ratio | 92.4509% | 353 |
| Assets per employee ($millions) | 4.6908% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2764% | 5,494 |
| Loan loss allowance to noncurrent loans | 145.0777% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 4,379 |
| Noncurrent loans to loans | 0.1905% | 4,109 |
| Net loans and leases to total assets | 74.2675% | 1,814 |
| Net loans and leases to deposits | 84.6983% | 2,322 |
| Net loans and leases to core deposits | 100.7720% | 1,632 |
| Total domestic deposits to total assets | 87.6847% | 1,794 |
| Equity capital to assets | 11.2310% | 2,364 |
| Core capital (leverage) ratio | 12.5934% | 1,351 |
| Tier 1 risk-based capital ratio | 25.6717% | 709 |
| Total risk-based capital ratio | 26.0981% | 745 |
| Memoranda: | ||
| Average total assets | $136,562,500 | 3,651 |
| Average earning assets | $132,106,000 | 3,565 |
| Average equity | $15,302,500 | 3,670 |
| Average total loans | $102,072,500 | 3,323 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 4,958 |
| Cost of funding earning assets | 0.6069% | 1,550 |
| Net interest margin | 2.7826% | 5,190 |
| Noninterest income to average assets | 0.2296% | 4,767 |
| Noninterest expense to average assets | 2.5364% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3621% | 4,803 |
| Return on assets (ROA) | 0.3795% | 4,765 |
| Pretax return on assets | 0.3999% | 5,088 |
| Return on Equity (ROE) | 3.5105% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.5105% | 3,177 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9206% | 587 |
| Assets per employee ($millions) | 4.7273% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2723% | 5,560 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 4,254 |
| Noncurrent loans to loans | 0.2334% | 3,965 |
| Net loans and leases to total assets | 74.8087% | 1,790 |
| Net loans and leases to deposits | 85.1943% | 2,355 |
| Net loans and leases to core deposits | 100.2620% | 1,694 |
| Total domestic deposits to total assets | 87.8096% | 1,603 |
| Equity capital to assets | 11.1802% | 2,449 |
| Core capital (leverage) ratio | 12.4465% | 1,382 |
| Tier 1 risk-based capital ratio | 25.3412% | 698 |
| Total risk-based capital ratio | 25.7638% | 750 |
| Memoranda: | ||
| Average total assets | $136,770,000 | 3,653 |
| Average earning assets | $132,142,000 | 3,563 |
| Average equity | $14,784,200 | 3,742 |
| Average total loans | $101,644,800 | 3,321 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3860% | 4,981 |
| Cost of funding earning assets | 0.5909% | 1,595 |
| Net interest margin | 2.7951% | 5,226 |
| Noninterest income to average assets | 0.2341% | 4,811 |
| Noninterest expense to average assets | 2.5566% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3160% | 5,189 |
| Return on assets (ROA) | 0.3365% | 5,173 |
| Pretax return on assets | 0.4009% | 5,190 |
| Return on Equity (ROE) | 3.1402% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.1402% | 4,035 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1633% | 560 |
| Assets per employee ($millions) | 5.0394% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2772% | 5,628 |
| Loan loss allowance to noncurrent loans | 87.7743% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,841 |
| Noncurrent loans to loans | 0.3158% | 3,817 |
| Net loans and leases to total assets | 74.0269% | 1,911 |
| Net loans and leases to deposits | 84.3903% | 2,508 |
| Net loans and leases to core deposits | 98.3297% | 1,861 |
| Total domestic deposits to total assets | 87.7197% | 1,507 |
| Equity capital to assets | 10.8978% | 2,960 |
| Core capital (leverage) ratio | 12.1642% | 1,588 |
| Tier 1 risk-based capital ratio | 24.9539% | 759 |
| Total risk-based capital ratio | 25.3808% | 816 |
| Memoranda: | ||
| Average total assets | $136,689,750 | 3,693 |
| Average earning assets | $131,990,750 | 3,602 |
| Average equity | $14,648,500 | 3,797 |
| Average total loans | $101,347,000 | 3,359 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3334% | 5,056 |
| Cost of funding earning assets | 0.5704% | 1,647 |
| Net interest margin | 2.7630% | 5,298 |
| Noninterest income to average assets | 0.2264% | 4,890 |
| Noninterest expense to average assets | 2.5435% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3108% | 5,196 |
| Return on assets (ROA) | 0.3433% | 5,138 |
| Pretax return on assets | 0.3871% | 5,191 |
| Return on Equity (ROE) | 3.2217% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.2217% | 3,794 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8849% | 553 |
| Assets per employee ($millions) | 4.7040% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2768% | 5,677 |
| Loan loss allowance to noncurrent loans | 85.8896% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 4,185 |
| Noncurrent loans to loans | 0.3223% | 3,879 |
| Net loans and leases to total assets | 73.9446% | 1,878 |
| Net loans and leases to deposits | 84.1604% | 2,449 |
| Net loans and leases to core deposits | 97.9159% | 1,817 |
| Total domestic deposits to total assets | 87.8615% | 1,527 |
| Equity capital to assets | 10.7882% | 3,043 |
| Core capital (leverage) ratio | 12.0723% | 1,589 |
| Tier 1 risk-based capital ratio | 24.6039% | 797 |
| Total risk-based capital ratio | 25.0276% | 860 |
| Memoranda: | ||
| Average total assets | $136,898,330 | 3,708 |
| Average earning assets | $132,176,670 | 3,618 |
| Average equity | $14,588,670 | 3,813 |
| Average total loans | $101,461,330 | 3,369 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 5,081 |
| Cost of funding earning assets | 0.5590% | 1,661 |
| Net interest margin | 2.7559% | 5,320 |
| Noninterest income to average assets | 0.2158% | 4,974 |
| Noninterest expense to average assets | 2.5522% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3004% | 5,189 |
| Return on assets (ROA) | 0.3004% | 5,207 |
| Pretax return on assets | 0.3238% | 5,276 |
| Return on Equity (ROE) | 2.8366% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.8366% | 3,993 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7424% | 619 |
| Assets per employee ($millions) | 4.6899% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2746% | 5,750 |
| Loan loss allowance to noncurrent loans | 83.8323% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 4,237 |
| Noncurrent loans to loans | 0.3276% | 3,947 |
| Net loans and leases to total assets | 74.7610% | 1,620 |
| Net loans and leases to deposits | 85.2678% | 2,116 |
| Net loans and leases to core deposits | 99.5146% | 1,543 |
| Total domestic deposits to total assets | 87.6779% | 1,902 |
| Equity capital to assets | 10.7207% | 2,939 |
| Core capital (leverage) ratio | 11.9477% | 1,665 |
| Tier 1 risk-based capital ratio | 24.3738% | 831 |
| Total risk-based capital ratio | 24.7971% | 898 |
| Memoranda: | ||
| Average total assets | $137,139,000 | 3,736 |
| Average earning assets | $132,371,500 | 3,644 |
| Average equity | $14,524,500 | 3,845 |
| Average total loans | $101,615,500 | 3,389 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2816% | 5,187 |
| Cost of funding earning assets | 0.6119% | 1,264 |
| Net interest margin | 2.6696% | 5,454 |
| Noninterest income to average assets | 0.3152% | 4,476 |
| Noninterest expense to average assets | 2.6210% | 3,616 |
| Loan and lease loss provision to assets | 0.0101% | 4,175 |
| Net operating income to assets | 0.2729% | 5,281 |
| Return on assets (ROA) | 0.2808% | 5,329 |
| Pretax return on assets | 0.2671% | 5,408 |
| Return on Equity (ROE) | 2.7469% | 5,229 |
| Retained earnings to average equity (ytd only) | 2.7469% | 3,945 |
| Net charge-offs to loans | 0.0138% | 3,820 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 26.7857% | 1,538 |
| Efficiency ratio | 90.6832% | 514 |
| Assets per employee ($millions) | 4.6090% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2765% | 5,807 |
| Loan loss allowance to noncurrent loans | 91.5033% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 4,422 |
| Noncurrent loans to loans | 0.3022% | 4,055 |
| Net loans and leases to total assets | 73.0383% | 2,010 |
| Net loans and leases to deposits | 82.9282% | 2,555 |
| Net loans and leases to core deposits | 96.9520% | 1,838 |
| Total domestic deposits to total assets | 88.0741% | 1,597 |
| Equity capital to assets | 10.4636% | 3,197 |
| Core capital (leverage) ratio | 11.6497% | 1,827 |
| Tier 1 risk-based capital ratio | 24.3263% | 836 |
| Total risk-based capital ratio | 24.7514% | 905 |
| Memoranda: | ||
| Average total assets | $139,258,200 | 3,684 |
| Average earning assets | $134,326,400 | 3,586 |
| Average equity | $14,234,000 | 3,917 |
| Average total loans | $101,170,600 | 3,364 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2579% | 5,267 |
| Cost of funding earning assets | 0.6175% | 1,225 |
| Net interest margin | 2.6404% | 5,555 |
| Noninterest income to average assets | 0.3383% | 4,359 |
| Noninterest expense to average assets | 2.6550% | 3,481 |
| Loan and lease loss provision to assets | 0.0134% | 3,984 |
| Net operating income to assets | 0.2265% | 5,426 |
| Return on assets (ROA) | 0.2370% | 5,479 |
| Pretax return on assets | 0.2265% | 5,536 |
| Return on Equity (ROE) | 2.3326% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.3326% | 4,525 |
| Net charge-offs to loans | 0.0185% | 3,346 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 17.1393% | 2,068 |
| Efficiency ratio | 92.0477% | 462 |
| Assets per employee ($millions) | 4.4380% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2794% | 5,866 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 4,515 |
| Noncurrent loans to loans | 0.3194% | 4,109 |
| Net loans and leases to total assets | 72.6252% | 2,085 |
| Net loans and leases to deposits | 82.5256% | 2,671 |
| Net loans and leases to core deposits | 96.8948% | 1,910 |
| Total domestic deposits to total assets | 88.0033% | 1,407 |
| Equity capital to assets | 10.5045% | 3,561 |
| Core capital (leverage) ratio | 11.5134% | 2,023 |
| Tier 1 risk-based capital ratio | 24.2620% | 881 |
| Total risk-based capital ratio | 24.6898% | 934 |
| Memoranda: | ||
| Average total assets | $139,505,250 | 3,704 |
| Average earning assets | $134,522,500 | 3,599 |
| Average equity | $14,175,500 | 3,956 |
| Average total loans | $101,145,750 | 3,372 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2680% | 5,345 |
| Cost of funding earning assets | 0.6246% | 1,163 |
| Net interest margin | 2.6434% | 5,624 |
| Noninterest income to average assets | 0.3268% | 4,444 |
| Noninterest expense to average assets | 2.6087% | 3,696 |
| Loan and lease loss provision to assets | 0.0171% | 3,776 |
| Net operating income to assets | 0.2470% | 5,434 |
| Return on assets (ROA) | 0.2626% | 5,480 |
| Pretax return on assets | 0.2654% | 5,542 |
| Return on Equity (ROE) | 2.6130% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.6130% | 4,235 |
| Net charge-offs to loans | 0.0237% | 3,014 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 15.5833% | 1,983 |
| Efficiency ratio | 90.7196% | 563 |
| Assets per employee ($millions) | 4.5921% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2828% | 5,945 |
| Loan loss allowance to noncurrent loans | 74.6667% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 4,406 |
| Noncurrent loans to loans | 0.3788% | 4,005 |
| Net loans and leases to total assets | 71.6637% | 2,223 |
| Net loans and leases to deposits | 81.2921% | 2,784 |
| Net loans and leases to core deposits | 95.2172% | 2,048 |
| Total domestic deposits to total assets | 88.1557% | 1,350 |
| Equity capital to assets | 10.3235% | 3,825 |
| Core capital (leverage) ratio | 11.4296% | 2,044 |
| Tier 1 risk-based capital ratio | 24.3001% | 877 |
| Total risk-based capital ratio | 24.7303% | 939 |
| Memoranda: | ||
| Average total assets | $140,147,330 | 3,714 |
| Average earning assets | $135,128,330 | 3,609 |
| Average equity | $14,083,330 | 3,983 |
| Average total loans | $101,462,000 | 3,381 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2376% | 5,432 |
| Cost of funding earning assets | 0.6369% | 1,117 |
| Net interest margin | 2.6006% | 5,720 |
| Noninterest income to average assets | 0.2207% | 5,157 |
| Noninterest expense to average assets | 2.6065% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1613% | 5,596 |
| Return on assets (ROA) | 0.1811% | 5,621 |
| Pretax return on assets | 0.1415% | 5,700 |
| Return on Equity (ROE) | 1.8267% | 5,541 |
| Retained earnings to average equity (ytd only) | 1.8267% | 4,531 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5394% | 408 |
| Assets per employee ($millions) | 4.6632% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2745% | 6,017 |
| Loan loss allowance to noncurrent loans | 63.4921% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 4,305 |
| Noncurrent loans to loans | 0.4323% | 3,890 |
| Net loans and leases to total assets | 72.7178% | 1,916 |
| Net loans and leases to deposits | 82.3811% | 2,500 |
| Net loans and leases to core deposits | 95.7071% | 1,827 |
| Total domestic deposits to total assets | 88.2699% | 1,490 |
| Equity capital to assets | 10.0538% | 4,008 |
| Core capital (leverage) ratio | 11.2897% | 2,154 |
| Tier 1 risk-based capital ratio | 23.2384% | 991 |
| Total risk-based capital ratio | 23.6530% | 1,081 |
| Memoranda: | ||
| Average total assets | $141,339,500 | 3,716 |
| Average earning assets | $136,275,000 | 3,615 |
| Average equity | $14,014,000 | 4,002 |
| Average total loans | $102,690,000 | 3,376 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 5,463 |
| Cost of funding earning assets | 0.7041% | 802 |
| Net interest margin | 2.5302% | 5,806 |
| Noninterest income to average assets | 0.3711% | 4,258 |
| Noninterest expense to average assets | 2.4574% | 4,365 |
| Loan and lease loss provision to assets | 0.0186% | 4,033 |
| Net operating income to assets | 0.3053% | 5,343 |
| Return on assets (ROA) | 0.3097% | 5,412 |
| Pretax return on assets | 0.3435% | 5,432 |
| Return on Equity (ROE) | 3.2000% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.2000% | 3,780 |
| Net charge-offs to loans | 0.0255% | 3,724 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 19.1852% | 1,965 |
| Efficiency ratio | 87.3070% | 886 |
| Assets per employee ($millions) | 4.6059% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2709% | 6,070 |
| Loan loss allowance to noncurrent loans | 64.2202% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,381 |
| Noncurrent loans to loans | 0.4218% | 3,946 |
| Net loans and leases to total assets | 72.2010% | 2,015 |
| Net loans and leases to deposits | 81.4252% | 2,659 |
| Net loans and leases to core deposits | 95.2843% | 1,911 |
| Total domestic deposits to total assets | 88.6715% | 1,298 |
| Equity capital to assets | 9.7792% | 4,211 |
| Core capital (leverage) ratio | 10.8814% | 2,515 |
| Tier 1 risk-based capital ratio | 22.7101% | 1,051 |
| Total risk-based capital ratio | 23.1169% | 1,147 |
| Memoranda: | ||
| Average total assets | $144,993,400 | 3,649 |
| Average earning assets | $140,027,200 | 3,539 |
| Average equity | $14,031,200 | 3,969 |
| Average total loans | $105,698,400 | 3,286 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 5,521 |
| Cost of funding earning assets | 0.7086% | 804 |
| Net interest margin | 2.5336% | 5,895 |
| Noninterest income to average assets | 0.3563% | 4,393 |
| Noninterest expense to average assets | 2.4404% | 4,388 |
| Loan and lease loss provision to assets | 0.0247% | 3,773 |
| Net operating income to assets | 0.3043% | 5,439 |
| Return on assets (ROA) | 0.3060% | 5,520 |
| Pretax return on assets | 0.3399% | 5,575 |
| Return on Equity (ROE) | 3.1699% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.1699% | 4,205 |
| Net charge-offs to loans | 0.0339% | 3,234 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 14.6664% | 2,241 |
| Efficiency ratio | 87.0588% | 932 |
| Assets per employee ($millions) | 4.5812% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2665% | 6,156 |
| Loan loss allowance to noncurrent loans | 63.3484% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,517 |
| Noncurrent loans to loans | 0.4206% | 4,094 |
| Net loans and leases to total assets | 73.7942% | 1,772 |
| Net loans and leases to deposits | 83.1556% | 2,512 |
| Net loans and leases to core deposits | 98.3428% | 1,662 |
| Total domestic deposits to total assets | 88.7423% | 1,155 |
| Equity capital to assets | 9.7488% | 4,453 |
| Core capital (leverage) ratio | 10.7310% | 2,785 |
| Tier 1 risk-based capital ratio | 22.5020% | 1,125 |
| Total risk-based capital ratio | 22.9080% | 1,216 |
| Memoranda: | ||
| Average total assets | $145,546,250 | 3,671 |
| Average earning assets | $140,563,000 | 3,567 |
| Average equity | $14,048,250 | 4,007 |
| Average total loans | $106,280,500 | 3,299 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2351% | 5,563 |
| Cost of funding earning assets | 0.7083% | 806 |
| Net interest margin | 2.5269% | 5,939 |
| Noninterest income to average assets | 0.3312% | 4,585 |
| Noninterest expense to average assets | 2.4563% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2865% | 5,480 |
| Return on assets (ROA) | 0.2890% | 5,560 |
| Pretax return on assets | 0.3190% | 5,627 |
| Return on Equity (ROE) | 3.0037% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.0037% | 4,128 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5939% | 868 |
| Assets per employee ($millions) | 4.6999% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2659% | 6,229 |
| Loan loss allowance to noncurrent loans | 58.0913% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 4,553 |
| Noncurrent loans to loans | 0.4578% | 4,105 |
| Net loans and leases to total assets | 72.0777% | 1,967 |
| Net loans and leases to deposits | 80.7777% | 2,684 |
| Net loans and leases to core deposits | 95.8927% | 1,812 |
| Total domestic deposits to total assets | 89.2297% | 1,035 |
| Equity capital to assets | 9.7339% | 4,365 |
| Core capital (leverage) ratio | 10.3880% | 3,096 |
| Tier 1 risk-based capital ratio | 21.7654% | 1,237 |
| Total risk-based capital ratio | 22.1669% | 1,350 |
| Memoranda: | ||
| Average total assets | $146,722,330 | 3,681 |
| Average earning assets | $141,756,000 | 3,571 |
| Average equity | $14,116,000 | 4,031 |
| Average total loans | $106,680,330 | 3,307 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2412% | 5,576 |
| Cost of funding earning assets | 0.7084% | 827 |
| Net interest margin | 2.5328% | 5,983 |
| Noninterest income to average assets | 0.3043% | 4,750 |
| Noninterest expense to average assets | 2.4722% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2532% | 5,556 |
| Return on assets (ROA) | 0.2581% | 5,635 |
| Pretax return on assets | 0.2853% | 5,677 |
| Return on Equity (ROE) | 2.6983% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.6983% | 4,327 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8322% | 859 |
| Assets per employee ($millions) | 4.7365% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2621% | 6,307 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 4,627 |
| Noncurrent loans to loans | 0.4719% | 4,166 |
| Net loans and leases to total assets | 72.5548% | 1,724 |
| Net loans and leases to deposits | 81.3714% | 2,398 |
| Net loans and leases to core deposits | 95.8531% | 1,628 |
| Total domestic deposits to total assets | 89.1651% | 1,163 |
| Equity capital to assets | 9.6247% | 4,601 |
| Core capital (leverage) ratio | 10.2800% | 3,240 |
| Tier 1 risk-based capital ratio | 21.3928% | 1,350 |
| Total risk-based capital ratio | 21.7904% | 1,486 |
| Memoranda: | ||
| Average total assets | $147,235,000 | 3,694 |
| Average earning assets | $142,294,000 | 3,589 |
| Average equity | $14,083,000 | 4,059 |
| Average total loans | $107,373,000 | 3,313 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2461% | 5,774 |
| Cost of funding earning assets | 0.7564% | 816 |
| Net interest margin | 2.4897% | 6,167 |
| Noninterest income to average assets | 0.2815% | 5,107 |
| Noninterest expense to average assets | 2.3011% | 5,114 |
| Loan and lease loss provision to assets | 0.0598% | 3,334 |
| Net operating income to assets | 0.2974% | 5,518 |
| Return on assets (ROA) | 0.2974% | 5,594 |
| Pretax return on assets | 0.3266% | 5,653 |
| Return on Equity (ROE) | 3.2473% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.2473% | 3,917 |
| Net charge-offs to loans | 0.1009% | 3,064 |
| Credit loss provision to net charge-offs | 81.8182% | 2,831 |
| Earnings coverage of net charge-offs (x) | 5.2909% | 3,463 |
| Efficiency ratio | 85.6225% | 1,209 |
| Assets per employee ($millions) | 4.6137% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2594% | 6,398 |
| Loan loss allowance to noncurrent loans | 59.0717% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 4,758 |
| Noncurrent loans to loans | 0.4392% | 4,328 |
| Net loans and leases to total assets | 72.9164% | 1,773 |
| Net loans and leases to deposits | 81.5324% | 2,535 |
| Net loans and leases to core deposits | 95.2294% | 1,786 |
| Total domestic deposits to total assets | 89.4323% | 1,002 |
| Equity capital to assets | 9.5056% | 4,712 |
| Core capital (leverage) ratio | 10.1254% | 3,400 |
| Tier 1 risk-based capital ratio | 21.0332% | 1,398 |
| Total risk-based capital ratio | 21.4272% | 1,535 |
| Memoranda: | ||
| Average total assets | $150,624,200 | 3,626 |
| Average earning assets | $145,558,000 | 3,514 |
| Average equity | $13,796,200 | 4,056 |
| Average total loans | $109,027,800 | 3,243 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 5,853 |
| Cost of funding earning assets | 0.7602% | 847 |
| Net interest margin | 2.4838% | 6,243 |
| Noninterest income to average assets | 0.2590% | 5,367 |
| Noninterest expense to average assets | 2.2893% | 5,137 |
| Loan and lease loss provision to assets | 0.0476% | 3,426 |
| Net operating income to assets | 0.2933% | 5,607 |
| Return on assets (ROA) | 0.2933% | 5,678 |
| Pretax return on assets | 0.3224% | 5,736 |
| Return on Equity (ROE) | 3.2321% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.2321% | 4,332 |
| Net charge-offs to loans | 0.1342% | 2,448 |
| Credit loss provision to net charge-offs | 49.0909% | 3,116 |
| Earnings coverage of net charge-offs (x) | 3.8183% | 3,587 |
| Efficiency ratio | 86.0881% | 1,174 |
| Assets per employee ($millions) | 4.6736% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2243% | 6,485 |
| Loan loss allowance to noncurrent loans | 41.2162% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 4,735 |
| Noncurrent loans to loans | 0.5442% | 4,289 |
| Net loans and leases to total assets | 72.5726% | 1,751 |
| Net loans and leases to deposits | 80.9300% | 2,561 |
| Net loans and leases to core deposits | 94.6986% | 1,782 |
| Total domestic deposits to total assets | 89.6734% | 889 |
| Equity capital to assets | 9.2976% | 5,036 |
| Core capital (leverage) ratio | 9.9175% | 3,787 |
| Tier 1 risk-based capital ratio | 20.5154% | 1,548 |
| Total risk-based capital ratio | 20.8530% | 1,730 |
| Memoranda: | ||
| Average total assets | $151,370,500 | 3,636 |
| Average earning assets | $146,276,750 | 3,530 |
| Average equity | $13,736,750 | 4,088 |
| Average total loans | $109,301,500 | 3,258 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2251% | 5,914 |
| Cost of funding earning assets | 0.7627% | 869 |
| Net interest margin | 2.4624% | 6,310 |
| Noninterest income to average assets | 0.2487% | 5,423 |
| Noninterest expense to average assets | 2.2819% | 5,195 |
| Loan and lease loss provision to assets | 0.0197% | 3,877 |
| Net operating income to assets | 0.3014% | 5,560 |
| Return on assets (ROA) | 0.3014% | 5,629 |
| Pretax return on assets | 0.3264% | 5,733 |
| Return on Equity (ROE) | 3.3478% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.3478% | 4,070 |
| Net charge-offs to loans | 0.1187% | 2,479 |
| Credit loss provision to net charge-offs | 23.0769% | 3,151 |
| Earnings coverage of net charge-offs (x) | 4.0462% | 3,183 |
| Efficiency ratio | 86.8302% | 1,188 |
| Assets per employee ($millions) | 4.7340% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2290% | 6,561 |
| Loan loss allowance to noncurrent loans | 50.3018% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 4,556 |
| Noncurrent loans to loans | 0.4553% | 4,627 |
| Net loans and leases to total assets | 71.8889% | 1,766 |
| Net loans and leases to deposits | 79.9628% | 2,522 |
| Net loans and leases to core deposits | 93.7373% | 1,798 |
| Total domestic deposits to total assets | 89.9028% | 856 |
| Equity capital to assets | 9.1433% | 5,162 |
| Core capital (leverage) ratio | 9.7658% | 3,937 |
| Tier 1 risk-based capital ratio | 20.2872% | 1,617 |
| Total risk-based capital ratio | 20.6301% | 1,795 |
| Memoranda: | ||
| Average total assets | $151,975,670 | 3,650 |
| Average earning assets | $146,849,670 | 3,541 |
| Average equity | $13,680,670 | 4,104 |
| Average total loans | $109,475,330 | 3,254 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 5,969 |
| Cost of funding earning assets | 0.7697% | 880 |
| Net interest margin | 2.4558% | 6,368 |
| Noninterest income to average assets | 0.2785% | 5,136 |
| Noninterest expense to average assets | 2.3282% | 5,129 |
| Loan and lease loss provision to assets | 0.0105% | 3,693 |
| Net operating income to assets | 0.2917% | 5,525 |
| Return on assets (ROA) | 0.2917% | 5,570 |
| Pretax return on assets | 0.3127% | 5,688 |
| Return on Equity (ROE) | 3.2658% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.2658% | 4,160 |
| Net charge-offs to loans | 0.2371% | 1,368 |
| Credit loss provision to net charge-offs | 6.1538% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.8923% | 2,997 |
| Efficiency ratio | 87.8097% | 1,246 |
| Assets per employee ($millions) | 4.7569% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2188% | 6,633 |
| Loan loss allowance to noncurrent loans | 85.6631% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 5,133 |
| Noncurrent loans to loans | 0.2554% | 5,341 |
| Net loans and leases to total assets | 71.6171% | 1,629 |
| Net loans and leases to deposits | 79.7147% | 2,335 |
| Net loans and leases to core deposits | 92.2841% | 1,703 |
| Total domestic deposits to total assets | 89.8418% | 1,158 |
| Equity capital to assets | 8.9980% | 5,118 |
| Core capital (leverage) ratio | 9.6406% | 4,078 |
| Tier 1 risk-based capital ratio | 20.0948% | 1,696 |
| Total risk-based capital ratio | 20.4221% | 1,878 |
| Memoranda: | ||
| Average total assets | $152,219,500 | 3,673 |
| Average earning assets | $147,078,500 | 3,564 |
| Average equity | $13,595,500 | 4,130 |
| Average total loans | $109,636,500 | 3,269 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 5,895 |
| Cost of funding earning assets | 0.9153% | 683 |
| Net interest margin | 2.4555% | 6,404 |
| Noninterest income to average assets | 0.4519% | 4,082 |
| Noninterest expense to average assets | 2.2543% | 5,493 |
| Loan and lease loss provision to assets | 0.0124% | 4,875 |
| Net operating income to assets | 0.4513% | 4,947 |
| Return on assets (ROA) | 0.4513% | 5,075 |
| Pretax return on assets | 0.5642% | 4,996 |
| Return on Equity (ROE) | 5.2086% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.2086% | 2,471 |
| Net charge-offs to loans | 0.0169% | 5,110 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 46.4737% | 842 |
| Efficiency ratio | 79.6309% | 2,215 |
| Assets per employee ($millions) | 4.6126% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2727% | 6,692 |
| Loan loss allowance to noncurrent loans | 47.4684% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 5,005 |
| Noncurrent loans to loans | 0.5745% | 4,546 |
| Net loans and leases to total assets | 72.0793% | 1,666 |
| Net loans and leases to deposits | 79.9512% | 2,465 |
| Net loans and leases to core deposits | 92.7573% | 1,700 |
| Total domestic deposits to total assets | 90.1542% | 1,005 |
| Equity capital to assets | 8.8650% | 5,188 |
| Core capital (leverage) ratio | 9.5681% | 4,158 |
| Tier 1 risk-based capital ratio | 19.8839% | 1,680 |
| Total risk-based capital ratio | 20.2936% | 1,864 |
| Memoranda: | ||
| Average total assets | $153,126,600 | 3,654 |
| Average earning assets | $148,362,400 | 3,536 |
| Average equity | $13,266,400 | 4,213 |
| Average total loans | $112,690,400 | 3,193 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3969% | 5,880 |
| Cost of funding earning assets | 0.9308% | 702 |
| Net interest margin | 2.4661% | 6,457 |
| Noninterest income to average assets | 0.5190% | 3,681 |
| Noninterest expense to average assets | 2.2501% | 5,476 |
| Loan and lease loss provision to assets | 0.0165% | 4,682 |
| Net operating income to assets | 0.5008% | 4,786 |
| Return on assets (ROA) | 0.5008% | 4,952 |
| Pretax return on assets | 0.6434% | 4,872 |
| Return on Equity (ROE) | 5.8138% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.8138% | 2,528 |
| Net charge-offs to loans | 0.0223% | 4,679 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 39.9514% | 1,003 |
| Efficiency ratio | 77.3230% | 2,509 |
| Assets per employee ($millions) | 4.6015% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2722% | 6,773 |
| Loan loss allowance to noncurrent loans | 25.4237% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 4,163 |
| Noncurrent loans to loans | 1.0707% | 3,657 |
| Net loans and leases to total assets | 72.3829% | 1,545 |
| Net loans and leases to deposits | 80.2793% | 2,369 |
| Net loans and leases to core deposits | 92.8687% | 1,693 |
| Total domestic deposits to total assets | 90.1638% | 911 |
| Equity capital to assets | 8.8272% | 5,389 |
| Core capital (leverage) ratio | 9.5143% | 4,377 |
| Tier 1 risk-based capital ratio | 19.6210% | 1,834 |
| Total risk-based capital ratio | 20.0285% | 2,020 |
| Memoranda: | ||
| Average total assets | $153,354,000 | 3,686 |
| Average earning assets | $148,679,000 | 3,561 |
| Average equity | $13,209,500 | 4,267 |
| Average total loans | $113,358,750 | 3,199 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 5,845 |
| Cost of funding earning assets | 0.9446% | 727 |
| Net interest margin | 2.4829% | 6,466 |
| Noninterest income to average assets | 0.5876% | 3,273 |
| Noninterest expense to average assets | 2.2450% | 5,511 |
| Loan and lease loss provision to assets | 0.0117% | 4,640 |
| Net operating income to assets | 0.5616% | 4,494 |
| Return on assets (ROA) | 0.5616% | 4,663 |
| Pretax return on assets | 0.7397% | 4,539 |
| Return on Equity (ROE) | 6.5730% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.5730% | 2,107 |
| Net charge-offs to loans | 0.0332% | 4,218 |
| Credit loss provision to net charge-offs | 47.3684% | 3,265 |
| Earnings coverage of net charge-offs (x) | 30.4211% | 1,135 |
| Efficiency ratio | 74.9241% | 2,959 |
| Assets per employee ($millions) | 4.7717% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2592% | 6,818 |
| Loan loss allowance to noncurrent loans | 24.4519% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 4,281 |
| Noncurrent loans to loans | 1.0601% | 3,811 |
| Net loans and leases to total assets | 73.0744% | 1,393 |
| Net loans and leases to deposits | 80.8663% | 2,202 |
| Net loans and leases to core deposits | 93.2359% | 1,598 |
| Total domestic deposits to total assets | 90.3645% | 825 |
| Equity capital to assets | 8.6617% | 5,599 |
| Core capital (leverage) ratio | 9.3246% | 4,501 |
| Tier 1 risk-based capital ratio | 19.2623% | 1,918 |
| Total risk-based capital ratio | 19.6547% | 2,139 |
| Memoranda: | ||
| Average total assets | $153,856,000 | 3,705 |
| Average earning assets | $149,261,670 | 3,571 |
| Average equity | $13,144,670 | 4,316 |
| Average total loans | $114,407,670 | 3,180 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 5,698 |
| Cost of funding earning assets | 0.9611% | 739 |
| Net interest margin | 2.5415% | 6,452 |
| Noninterest income to average assets | 0.5361% | 3,525 |
| Noninterest expense to average assets | 2.3103% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5284% | 4,539 |
| Return on assets (ROA) | 0.5284% | 4,687 |
| Pretax return on assets | 0.6915% | 4,612 |
| Return on Equity (ROE) | 6.2271% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.2271% | 2,552 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9629% | 2,769 |
| Assets per employee ($millions) | 4.8244% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2622% | 6,899 |
| Loan loss allowance to noncurrent loans | 22.5394% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 4,231 |
| Noncurrent loans to loans | 1.1633% | 3,833 |
| Net loans and leases to total assets | 73.9157% | 1,092 |
| Net loans and leases to deposits | 81.8939% | 1,844 |
| Net loans and leases to core deposits | 93.0470% | 1,410 |
| Total domestic deposits to total assets | 90.2578% | 900 |
| Equity capital to assets | 8.5400% | 5,982 |
| Core capital (leverage) ratio | 9.0757% | 4,755 |
| Tier 1 risk-based capital ratio | 18.7191% | 2,124 |
| Total risk-based capital ratio | 19.1200% | 2,381 |
| Memoranda: | ||
| Average total assets | $154,436,500 | 3,733 |
| Average earning assets | $149,833,500 | 3,595 |
| Average equity | $13,104,000 | 4,362 |
| Average total loans | $115,676,000 | 3,166 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7646% | 5,917 |
| Cost of funding earning assets | 1.1336% | 793 |
| Net interest margin | 2.6310% | 6,602 |
| Noninterest income to average assets | 0.4263% | 4,410 |
| Noninterest expense to average assets | 2.1673% | 5,990 |
| Loan and lease loss provision to assets | 0.0033% | 5,881 |
| Net operating income to assets | 0.5936% | 4,268 |
| Return on assets (ROA) | 0.5936% | 4,530 |
| Pretax return on assets | 0.8094% | 4,259 |
| Return on Equity (ROE) | 7.1756% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.1756% | 1,487 |
| Net charge-offs to loans | 0.0044% | 5,915 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 248.6000% | 161 |
| Efficiency ratio | 72.7293% | 3,285 |
| Assets per employee ($millions) | 4.8279% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2565% | 6,957 |
| Loan loss allowance to noncurrent loans | 44.5765% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 5,324 |
| Noncurrent loans to loans | 0.5755% | 5,091 |
| Net loans and leases to total assets | 75.4992% | 990 |
| Net loans and leases to deposits | 83.5107% | 1,813 |
| Net loans and leases to core deposits | 94.3171% | 1,440 |
| Total domestic deposits to total assets | 90.4067% | 747 |
| Equity capital to assets | 8.4302% | 6,103 |
| Core capital (leverage) ratio | 8.9376% | 4,990 |
| Tier 1 risk-based capital ratio | 18.2542% | 2,183 |
| Total risk-based capital ratio | 18.6508% | 2,462 |
| Memoranda: | ||
| Average total assets | $152,953,600 | 3,728 |
| Average earning assets | $148,463,000 | 3,585 |
| Average equity | $12,654,000 | 4,430 |
| Average total loans | $114,233,000 | 3,201 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 6,018 |
| Cost of funding earning assets | 1.1616% | 827 |
| Net interest margin | 2.6411% | 6,711 |
| Noninterest income to average assets | 0.4439% | 4,335 |
| Noninterest expense to average assets | 2.1463% | 6,075 |
| Loan and lease loss provision to assets | 0.0044% | 5,752 |
| Net operating income to assets | 0.6222% | 4,284 |
| Return on assets (ROA) | 0.6222% | 4,537 |
| Pretax return on assets | 0.8564% | 4,271 |
| Return on Equity (ROE) | 7.5573% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.5573% | 1,820 |
| Net charge-offs to loans | 0.0059% | 5,667 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 196.8966% | 228 |
| Efficiency ratio | 71.3746% | 3,436 |
| Assets per employee ($millions) | 4.9440% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2566% | 7,066 |
| Loan loss allowance to noncurrent loans | 38.3142% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 5,280 |
| Noncurrent loans to loans | 0.6696% | 5,106 |
| Net loans and leases to total assets | 76.1014% | 960 |
| Net loans and leases to deposits | 84.1208% | 1,857 |
| Net loans and leases to core deposits | 94.8291% | 1,505 |
| Total domestic deposits to total assets | 90.4668% | 611 |
| Equity capital to assets | 8.3751% | 6,370 |
| Core capital (leverage) ratio | 8.8807% | 5,223 |
| Tier 1 risk-based capital ratio | 17.9403% | 2,374 |
| Total risk-based capital ratio | 18.3358% | 2,647 |
| Memoranda: | ||
| Average total assets | $152,568,750 | 3,778 |
| Average earning assets | $148,066,750 | 3,625 |
| Average equity | $12,561,500 | 4,488 |
| Average total loans | $113,556,000 | 3,249 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 6,073 |
| Cost of funding earning assets | 1.1859% | 873 |
| Net interest margin | 2.6422% | 6,780 |
| Noninterest income to average assets | 0.2770% | 5,593 |
| Noninterest expense to average assets | 2.1466% | 6,135 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5120% | 4,759 |
| Return on assets (ROA) | 0.5120% | 5,026 |
| Pretax return on assets | 0.6958% | 4,840 |
| Return on Equity (ROE) | 6.2550% | 4,181 |
| Retained earnings to average equity (ytd only) | 6.2550% | 2,532 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5196% | 2,822 |
| Assets per employee ($millions) | 4.9281% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2632% | 7,132 |
| Loan loss allowance to noncurrent loans | 37.9747% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 5,466 |
| Noncurrent loans to loans | 0.6930% | 5,117 |
| Net loans and leases to total assets | 74.4264% | 1,188 |
| Net loans and leases to deposits | 81.9438% | 2,119 |
| Net loans and leases to core deposits | 91.9912% | 1,780 |
| Total domestic deposits to total assets | 90.8261% | 518 |
| Equity capital to assets | 8.2961% | 6,383 |
| Core capital (leverage) ratio | 8.6980% | 5,386 |
| Tier 1 risk-based capital ratio | 17.6385% | 2,419 |
| Total risk-based capital ratio | 18.0367% | 2,725 |
| Memoranda: | ||
| Average total assets | $152,337,000 | 3,798 |
| Average earning assets | $147,908,670 | 3,644 |
| Average equity | $12,470,000 | 4,509 |
| Average total loans | $112,429,330 | 3,282 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 6,125 |
| Cost of funding earning assets | 1.1701% | 1,106 |
| Net interest margin | 2.6869% | 6,789 |
| Noninterest income to average assets | 0.3208% | 5,309 |
| Noninterest expense to average assets | 2.1588% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5575% | 4,553 |
| Return on assets (ROA) | 0.5575% | 4,771 |
| Pretax return on assets | 0.7704% | 4,527 |
| Return on Equity (ROE) | 6.8564% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.8564% | 2,501 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6984% | 3,141 |
| Assets per employee ($millions) | 4.9774% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2665% | 7,190 |
| Loan loss allowance to noncurrent loans | 35.2526% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 5,500 |
| Noncurrent loans to loans | 0.7559% | 5,152 |
| Net loans and leases to total assets | 72.7639% | 1,265 |
| Net loans and leases to deposits | 80.3507% | 2,159 |
| Net loans and leases to core deposits | 89.3098% | 1,918 |
| Total domestic deposits to total assets | 90.5579% | 773 |
| Equity capital to assets | 8.0875% | 6,452 |
| Core capital (leverage) ratio | 8.4965% | 5,602 |
| Tier 1 risk-based capital ratio | 17.4065% | 2,515 |
| Total risk-based capital ratio | 17.8049% | 2,849 |
| Memoranda: | ||
| Average total assets | $152,120,000 | 3,837 |
| Average earning assets | $147,681,500 | 3,664 |
| Average equity | $12,368,000 | 4,536 |
| Average total loans | $111,643,000 | 3,313 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 6,160 |
| Cost of funding earning assets | 1.4756% | 790 |
| Net interest margin | 2.6850% | 6,937 |
| Noninterest income to average assets | 0.3427% | 5,076 |
| Noninterest expense to average assets | 2.4384% | 5,665 |
| Loan and lease loss provision to assets | 0.0213% | 6,305 |
| Net operating income to assets | 0.3503% | 5,063 |
| Return on assets (ROA) | 0.3503% | 5,227 |
| Pretax return on assets | 0.4815% | 5,040 |
| Return on Equity (ROE) | 4.3217% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.3217% | 3,106 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9052% | 1,898 |
| Assets per employee ($millions) | 4.8368% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2710% | 7,236 |
| Loan loss allowance to noncurrent loans | 197.3684% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 6,691 |
| Noncurrent loans to loans | 0.1373% | 6,469 |
| Net loans and leases to total assets | 73.6370% | 1,337 |
| Net loans and leases to deposits | 81.1078% | 2,338 |
| Net loans and leases to core deposits | 89.1865% | 2,231 |
| Total domestic deposits to total assets | 90.7890% | 589 |
| Equity capital to assets | 8.1745% | 6,459 |
| Core capital (leverage) ratio | 8.5835% | 5,428 |
| Tier 1 risk-based capital ratio | 16.8515% | 2,665 |
| Total risk-based capital ratio | 17.2428% | 3,013 |
| Memoranda: | ||
| Average total assets | $145,587,800 | 3,881 |
| Average earning assets | $140,894,200 | 3,723 |
| Average equity | $11,801,000 | 4,599 |
| Average total loans | $109,987,200 | 3,385 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 6,173 |
| Cost of funding earning assets | 1.5326% | 765 |
| Net interest margin | 2.6815% | 7,001 |
| Noninterest income to average assets | 0.3008% | 5,461 |
| Noninterest expense to average assets | 2.4904% | 5,498 |
| Loan and lease loss provision to assets | 0.0185% | 6,207 |
| Net operating income to assets | 0.2823% | 5,459 |
| Return on assets (ROA) | 0.2823% | 5,623 |
| Pretax return on assets | 0.3848% | 5,516 |
| Return on Equity (ROE) | 3.4910% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.4910% | 4,257 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0651% | 1,524 |
| Assets per employee ($millions) | 4.7213% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2611% | 7,308 |
| Loan loss allowance to noncurrent loans | 473.7705% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 6,819 |
| Noncurrent loans to loans | 0.0551% | 6,794 |
| Net loans and leases to total assets | 75.4190% | 1,071 |
| Net loans and leases to deposits | 83.0692% | 2,162 |
| Net loans and leases to core deposits | 92.0665% | 1,988 |
| Total domestic deposits to total assets | 90.7906% | 514 |
| Equity capital to assets | 8.1989% | 6,566 |
| Core capital (leverage) ratio | 8.6490% | 5,484 |
| Tier 1 risk-based capital ratio | 16.5886% | 2,818 |
| Total risk-based capital ratio | 16.9656% | 3,233 |
| Memoranda: | ||
| Average total assets | $144,499,500 | 3,917 |
| Average earning assets | $139,716,750 | 3,773 |
| Average equity | $11,687,000 | 4,642 |
| Average total loans | $109,806,000 | 3,416 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 6,250 |
| Cost of funding earning assets | 1.5893% | 726 |
| Net interest margin | 2.6263% | 7,099 |
| Noninterest income to average assets | 0.2947% | 5,524 |
| Noninterest expense to average assets | 2.5188% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2307% | 5,629 |
| Return on assets (ROA) | 0.2307% | 5,749 |
| Pretax return on assets | 0.3142% | 5,637 |
| Return on Equity (ROE) | 2.8664% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.8664% | 4,456 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9107% | 1,330 |
| Assets per employee ($millions) | 4.2849% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2716% | 7,364 |
| Loan loss allowance to noncurrent loans | 237.6000% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 6,883 |
| Noncurrent loans to loans | 0.1143% | 6,692 |
| Net loans and leases to total assets | 74.8474% | 1,257 |
| Net loans and leases to deposits | 82.2618% | 2,413 |
| Net loans and leases to core deposits | 91.5289% | 2,198 |
| Total domestic deposits to total assets | 90.9868% | 506 |
| Equity capital to assets | 8.0515% | 6,643 |
| Core capital (leverage) ratio | 8.5816% | 5,430 |
| Tier 1 risk-based capital ratio | 16.4401% | 2,775 |
| Total risk-based capital ratio | 16.8283% | 3,154 |
| Memoranda: | ||
| Average total assets | $143,879,000 | 3,958 |
| Average earning assets | $139,054,330 | 3,804 |
| Average equity | $11,582,670 | 4,663 |
| Average total loans | $109,517,000 | 3,467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 5,936 |
| Cost of funding earning assets | 1.6450% | 688 |
| Net interest margin | 2.6789% | 7,038 |
| Noninterest income to average assets | 0.2826% | 5,650 |
| Noninterest expense to average assets | 2.5123% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2546% | 5,598 |
| Return on assets (ROA) | 0.2546% | 5,661 |
| Pretax return on assets | 0.3581% | 5,478 |
| Return on Equity (ROE) | 3.1627% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.1627% | 4,279 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5244% | 1,564 |
| Assets per employee ($millions) | 4.2305% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2741% | 7,416 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 6,766 |
| Noncurrent loans to loans | 0.2083% | 6,558 |
| Net loans and leases to total assets | 75.8798% | 1,042 |
| Net loans and leases to deposits | 83.3994% | 2,116 |
| Net loans and leases to core deposits | 92.4824% | 2,070 |
| Total domestic deposits to total assets | 90.9836% | 634 |
| Equity capital to assets | 8.0340% | 6,462 |
| Core capital (leverage) ratio | 8.6299% | 5,206 |
| Tier 1 risk-based capital ratio | 16.4141% | 2,701 |
| Total risk-based capital ratio | 16.8080% | 3,085 |
| Memoranda: | ||
| Average total assets | $142,975,000 | 4,013 |
| Average earning assets | $138,117,000 | 3,854 |
| Average equity | $11,509,000 | 4,667 |
| Average total loans | $109,605,500 | 3,504 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 6,316 |
| Cost of funding earning assets | 1.9399% | 743 |
| Net interest margin | 2.5886% | 7,213 |
| Noninterest income to average assets | 0.4984% | 4,182 |
| Noninterest expense to average assets | 2.5716% | 5,536 |
| Loan and lease loss provision to assets | 0.0383% | 6,780 |
| Net operating income to assets | 0.2664% | 5,048 |
| Return on assets (ROA) | 0.2846% | 5,148 |
| Pretax return on assets | 0.4081% | 4,916 |
| Return on Equity (ROE) | 3.4428% | 4,776 |
| Retained earnings to average equity (ytd only) | 3.4428% | 3,459 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9488% | 1,705 |
| Assets per employee ($millions) | 4.3064% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2733% | 7,495 |
| Loan loss allowance to noncurrent loans | 91.7431% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 6,657 |
| Noncurrent loans to loans | 0.2979% | 6,460 |
| Net loans and leases to total assets | 77.0287% | 1,090 |
| Net loans and leases to deposits | 84.6429% | 2,349 |
| Net loans and leases to core deposits | 93.7739% | 2,285 |
| Total domestic deposits to total assets | 91.0043% | 596 |
| Equity capital to assets | 8.0655% | 6,425 |
| Core capital (leverage) ratio | 8.6701% | 5,071 |
| Tier 1 risk-based capital ratio | 16.2428% | 2,640 |
| Total risk-based capital ratio | 16.6355% | 3,009 |
| Memoranda: | ||
| Average total assets | $138,433,800 | 4,086 |
| Average earning assets | $133,355,200 | 3,950 |
| Average equity | $11,444,200 | 4,748 |
| Average total loans | $112,094,800 | 3,492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 6,339 |
| Cost of funding earning assets | 1.9901% | 776 |
| Net interest margin | 2.6078% | 7,310 |
| Noninterest income to average assets | 0.5042% | 4,148 |
| Noninterest expense to average assets | 2.6052% | 5,309 |
| Loan and lease loss provision to assets | 0.0514% | 6,566 |
| Net operating income to assets | 0.2490% | 5,354 |
| Return on assets (ROA) | 0.2734% | 5,428 |
| Pretax return on assets | 0.3917% | 5,245 |
| Return on Equity (ROE) | 3.2867% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.2867% | 4,131 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4543% | 1,582 |
| Assets per employee ($millions) | 4.4057% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2715% | 7,605 |
| Loan loss allowance to noncurrent loans | 135.1351% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 6,963 |
| Noncurrent loans to loans | 0.2009% | 6,775 |
| Net loans and leases to total assets | 78.1752% | 1,015 |
| Net loans and leases to deposits | 86.0891% | 2,320 |
| Net loans and leases to core deposits | 94.7156% | 2,417 |
| Total domestic deposits to total assets | 90.8073% | 519 |
| Equity capital to assets | 8.2018% | 6,612 |
| Core capital (leverage) ratio | 8.6800% | 5,221 |
| Tier 1 risk-based capital ratio | 16.1452% | 2,700 |
| Total risk-based capital ratio | 16.5391% | 3,068 |
| Memoranda: | ||
| Average total assets | $137,514,250 | 4,153 |
| Average earning assets | $132,320,000 | 4,023 |
| Average equity | $11,439,750 | 4,830 |
| Average total loans | $112,676,750 | 3,538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 6,095 |
| Cost of funding earning assets | 2.0301% | 824 |
| Net interest margin | 2.6845% | 7,274 |
| Noninterest income to average assets | 0.3696% | 5,185 |
| Noninterest expense to average assets | 2.6210% | 5,244 |
| Loan and lease loss provision to assets | 0.0073% | 6,817 |
| Net operating income to assets | 0.2270% | 5,472 |
| Return on assets (ROA) | 0.2640% | 5,469 |
| Pretax return on assets | 0.3755% | 5,290 |
| Return on Equity (ROE) | 3.1583% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.1583% | 4,103 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8171% | 1,432 |
| Assets per employee ($millions) | 4.1913% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2665% | 7,679 |
| Loan loss allowance to noncurrent loans | 103.4483% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 6,879 |
| Noncurrent loans to loans | 0.2576% | 6,715 |
| Net loans and leases to total assets | 81.1632% | 647 |
| Net loans and leases to deposits | 89.4381% | 1,941 |
| Net loans and leases to core deposits | 97.5427% | 2,278 |
| Total domestic deposits to total assets | 90.7479% | 581 |
| Equity capital to assets | 8.2544% | 6,476 |
| Core capital (leverage) ratio | 8.7690% | 4,974 |
| Tier 1 risk-based capital ratio | 15.9955% | 2,675 |
| Total risk-based capital ratio | 16.3890% | 3,041 |
| Memoranda: | ||
| Average total assets | $136,358,330 | 4,202 |
| Average earning assets | $131,124,330 | 4,072 |
| Average equity | $11,398,670 | 4,835 |
| Average total loans | $113,398,000 | 3,549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 5,984 |
| Cost of funding earning assets | 2.0436% | 959 |
| Net interest margin | 2.7320% | 7,263 |
| Noninterest income to average assets | 0.3309% | 5,496 |
| Noninterest expense to average assets | 2.6385% | 5,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2225% | 5,606 |
| Return on assets (ROA) | 0.2452% | 5,638 |
| Pretax return on assets | 0.3516% | 5,453 |
| Return on Equity (ROE) | 2.9150% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.9150% | 4,384 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2108% | 1,491 |
| Assets per employee ($millions) | 4.1619% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2634% | 7,777 |
| Loan loss allowance to noncurrent loans | 206.8966% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 7,216 |
| Noncurrent loans to loans | 0.1273% | 7,087 |
| Net loans and leases to total assets | 82.7192% | 507 |
| Net loans and leases to deposits | 91.5065% | 1,681 |
| Net loans and leases to core deposits | 99.4329% | 2,188 |
| Total domestic deposits to total assets | 90.3970% | 786 |
| Equity capital to assets | 8.3317% | 6,258 |
| Core capital (leverage) ratio | 8.7670% | 4,906 |
| Tier 1 risk-based capital ratio | 15.6593% | 2,801 |
| Total risk-based capital ratio | 16.0477% | 3,166 |
| Memoranda: | ||
| Average total assets | $135,380,500 | 4,294 |
| Average earning assets | $130,159,500 | 4,147 |
| Average equity | $11,389,500 | 4,873 |
| Average total loans | $113,817,000 | 3,597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 6,273 |
| Cost of funding earning assets | 2.4028% | 1,292 |
| Net interest margin | 2.6458% | 7,288 |
| Noninterest income to average assets | 0.5755% | 3,815 |
| Noninterest expense to average assets | 2.5940% | 5,818 |
| Loan and lease loss provision to assets | 0.0311% | 7,219 |
| Net operating income to assets | 0.3379% | 4,383 |
| Return on assets (ROA) | 0.4008% | 4,229 |
| Pretax return on assets | 0.5879% | 3,934 |
| Return on Equity (ROE) | 4.5711% | 3,852 |
| Retained earnings to average equity (ytd only) | 4.5711% | 2,056 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1259% | 2,460 |
| Assets per employee ($millions) | 4.0430% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2638% | 7,846 |
| Loan loss allowance to noncurrent loans | 51.1945% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 6,309 |
| Noncurrent loans to loans | 0.5153% | 6,221 |
| Net loans and leases to total assets | 85.0148% | 349 |
| Net loans and leases to deposits | 93.8933% | 1,605 |
| Net loans and leases to core deposits | 132.4672% | 1,142 |
| Total domestic deposits to total assets | 90.5440% | 723 |
| Equity capital to assets | 8.4966% | 5,885 |
| Core capital (leverage) ratio | 8.9600% | 4,490 |
| Tier 1 risk-based capital ratio | 15.6535% | 2,652 |
| Total risk-based capital ratio | 16.0443% | 3,003 |
| Memoranda: | ||
| Average total assets | $128,756,400 | 4,364 |
| Average earning assets | $123,857,800 | 4,221 |
| Average equity | $11,288,200 | 4,945 |
| Average total loans | $111,878,400 | 3,650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 6,223 |
| Cost of funding earning assets | 2.4883% | 1,340 |
| Net interest margin | 2.6241% | 7,326 |
| Noninterest income to average assets | 0.6552% | 3,323 |
| Noninterest expense to average assets | 2.6219% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3796% | 4,482 |
| Return on assets (ROA) | 0.4535% | 4,286 |
| Pretax return on assets | 0.6667% | 3,964 |
| Return on Equity (ROE) | 5.1316% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.1316% | 2,409 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4515% | 2,514 |
| Assets per employee ($millions) | 4.1326% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2489% | 7,938 |
| Loan loss allowance to noncurrent loans | 178.4810% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 7,247 |
| Noncurrent loans to loans | 0.1395% | 7,131 |
| Net loans and leases to total assets | 85.4616% | 391 |
| Net loans and leases to deposits | 94.4698% | 1,795 |
| Net loans and leases to core deposits | 133.1225% | 1,260 |
| Total domestic deposits to total assets | 90.4645% | 604 |
| Equity capital to assets | 8.5426% | 6,197 |
| Core capital (leverage) ratio | 8.9812% | 4,680 |
| Tier 1 risk-based capital ratio | 15.7087% | 2,737 |
| Total risk-based capital ratio | 16.0799% | 3,063 |
| Memoranda: | ||
| Average total assets | $127,591,000 | 4,413 |
| Average earning assets | $122,756,000 | 4,280 |
| Average equity | $11,276,250 | 4,991 |
| Average total loans | $111,416,750 | 3,709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 5,993 |
| Cost of funding earning assets | 2.5535% | 1,433 |
| Net interest margin | 2.6690% | 7,270 |
| Noninterest income to average assets | 0.7648% | 2,621 |
| Noninterest expense to average assets | 2.6230% | 5,644 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4791% | 4,180 |
| Return on assets (ROA) | 0.5665% | 3,935 |
| Pretax return on assets | 0.8362% | 3,552 |
| Return on Equity (ROE) | 6.3358% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.3358% | 1,868 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7518% | 3,224 |
| Assets per employee ($millions) | 4.0731% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2521% | 8,025 |
| Loan loss allowance to noncurrent loans | 213.6364% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 6,840 |
| Noncurrent loans to loans | 0.1180% | 7,221 |
| Net loans and leases to total assets | 85.6046% | 427 |
| Net loans and leases to deposits | 94.6257% | 2,000 |
| Net loans and leases to core deposits | 131.3459% | 1,463 |
| Total domestic deposits to total assets | 90.4665% | 642 |
| Equity capital to assets | 8.7640% | 5,656 |
| Core capital (leverage) ratio | 9.0658% | 4,525 |
| Tier 1 risk-based capital ratio | 15.5453% | 2,799 |
| Total risk-based capital ratio | 15.9151% | 3,105 |
| Memoranda: | ||
| Average total assets | $126,040,330 | 4,479 |
| Average earning assets | $121,169,000 | 4,335 |
| Average equity | $11,269,330 | 5,008 |
| Average total loans | $110,789,330 | 3,749 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 5,698 |
| Cost of funding earning assets | 2.5902% | 1,593 |
| Net interest margin | 2.7515% | 7,087 |
| Noninterest income to average assets | 0.9202% | 1,776 |
| Noninterest expense to average assets | 2.3860% | 6,245 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7886% | 3,175 |
| Return on assets (ROA) | 0.8491% | 3,065 |
| Pretax return on assets | 1.2689% | 2,379 |
| Return on Equity (ROE) | 9.3992% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.3992% | 1,370 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9384% | 5,156 |
| Assets per employee ($millions) | 3.6920% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2719% | 8,052 |
| Loan loss allowance to noncurrent loans | 137.6147% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 6,281 |
| Noncurrent loans to loans | 0.1976% | 6,965 |
| Net loans and leases to total assets | 87.6610% | 297 |
| Net loans and leases to deposits | 97.1844% | 1,777 |
| Net loans and leases to core deposits | 134.8645% | 1,367 |
| Total domestic deposits to total assets | 90.2007% | 713 |
| Equity capital to assets | 9.0234% | 5,325 |
| Core capital (leverage) ratio | 9.3372% | 4,190 |
| Tier 1 risk-based capital ratio | 15.8419% | 2,745 |
| Total risk-based capital ratio | 16.2460% | 3,005 |
| Memoranda: | ||
| Average total assets | $123,890,500 | 4,547 |
| Average earning assets | $119,062,000 | 4,410 |
| Average equity | $11,192,500 | 5,058 |
| Average total loans | $110,254,500 | 3,784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7038% | 6,767 |
| Cost of funding earning assets | 2.9175% | 2,186 |
| Net interest margin | 2.7863% | 7,351 |
| Noninterest income to average assets | 0.4608% | 4,962 |
| Noninterest expense to average assets | 2.7068% | 5,239 |
| Loan and lease loss provision to assets | 0.1189% | 5,848 |
| Net operating income to assets | 0.2244% | 5,774 |
| Return on assets (ROA) | 0.2279% | 5,591 |
| Pretax return on assets | 0.3237% | 5,460 |
| Return on Equity (ROE) | 2.4902% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.4902% | 3,644 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0819% | 1,846 |
| Assets per employee ($millions) | 3.4929% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2723% | 8,109 |
| Loan loss allowance to noncurrent loans | 90.0901% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 5,911 |
| Noncurrent loans to loans | 0.3023% | 6,473 |
| Net loans and leases to total assets | 89.8709% | 204 |
| Net loans and leases to deposits | 102.3246% | 1,553 |
| Net loans and leases to core deposits | 138.2296% | 1,361 |
| Total domestic deposits to total assets | 87.8292% | 1,548 |
| Equity capital to assets | 9.0453% | 5,315 |
| Core capital (leverage) ratio | 9.3716% | 4,206 |
| Tier 1 risk-based capital ratio | 15.7046% | 2,777 |
| Total risk-based capital ratio | 16.1144% | 3,033 |
| Memoranda: | ||
| Average total assets | $121,104,000 | 4,492 |
| Average earning assets | $116,641,200 | 4,350 |
| Average equity | $11,083,600 | 5,101 |
| Average total loans | $107,624,200 | 3,748 |