Home > De Witt Savings Bank > Performance and Condition Ratios
De Witt Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 3,831 |
| Cost of funding earning assets | 1.5363% | 1,852 |
| Net interest margin | 2.5495% | 4,036 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.6241% | 1,942 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.2232% | 4,132 |
| Return on assets (ROA) | 0.2681% | 4,077 |
| Pretax return on assets | 0.2246% | 4,172 |
| Return on Equity (ROE) | 3.1600% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.1558% | 3,225 |
| Net charge-offs to loans | 0.0640% | 1,211 |
| Credit loss provision to net charge-offs | 73.4694% | 2,064 |
| Earnings coverage of net charge-offs (x) | 5.9592% | 2,504 |
| Efficiency ratio | 92.7561% | 338 |
| Assets per employee ($millions) | 6.3844% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 3,804 |
| Loan loss allowance to noncurrent loans | 302.6549% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 2,460 |
| Noncurrent loans to loans | 0.2879% | 2,144 |
| Net loans and leases to total assets | 55.4000% | 3,242 |
| Net loans and leases to deposits | 65.2932% | 3,214 |
| Net loans and leases to core deposits | 73.5147% | 3,098 |
| Total domestic deposits to total assets | 84.8400% | 2,357 |
| Equity capital to assets | 9.1629% | 2,567 |
| Core capital (leverage) ratio | 12.7675% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7637% | 383 |
| Memoranda: | ||
| Average total assets | $142,486,800 | 3,437 |
| Average earning assets | $133,830,800 | 3,407 |
| Average equity | $12,104,800 | 3,517 |
| Average total loans | $76,534,800 | 3,463 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 3,883 |
| Cost of funding earning assets | 1.3910% | 1,896 |
| Net interest margin | 2.5913% | 4,043 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.6201% | 1,875 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2135% | 4,217 |
| Return on assets (ROA) | 0.2135% | 4,233 |
| Pretax return on assets | 0.1548% | 4,296 |
| Return on Equity (ROE) | 2.5600% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.5629% | 3,619 |
| Net charge-offs to loans | 0.0228% | 1,635 |
| Credit loss provision to net charge-offs | 276.9231% | 930 |
| Earnings coverage of net charge-offs (x) | 15.5385% | 1,957 |
| Efficiency ratio | 93.2935% | 284 |
| Assets per employee ($millions) | 6.3601% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 3,735 |
| Loan loss allowance to noncurrent loans | 206.3037% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 2,011 |
| Noncurrent loans to loans | 0.4362% | 1,742 |
| Net loans and leases to total assets | 56.6700% | 3,140 |
| Net loans and leases to deposits | 66.3656% | 3,100 |
| Net loans and leases to core deposits | 74.8440% | 2,937 |
| Total domestic deposits to total assets | 85.3900% | 2,387 |
| Equity capital to assets | 7.8136% | 3,174 |
| Core capital (leverage) ratio | 12.2896% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1163% | 482 |
| Memoranda: | ||
| Average total assets | $142,994,250 | 3,438 |
| Average earning assets | $134,293,250 | 3,407 |
| Average equity | $11,913,500 | 3,530 |
| Average total loans | $76,045,500 | 3,474 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 3,957 |
| Cost of funding earning assets | 1.2068% | 1,967 |
| Net interest margin | 2.6393% | 4,059 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.5872% | 1,961 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3000% | 4,156 |
| Return on assets (ROA) | 0.3000% | 4,185 |
| Pretax return on assets | 0.2722% | 4,256 |
| Return on Equity (ROE) | 3.5300% | 4,090 |
| Retained earnings to average equity (ytd only) | 3.5293% | 3,339 |
| Net charge-offs to loans | 0.0375% | 1,158 |
| Credit loss provision to net charge-offs | 257.1429% | 941 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 1,826 |
| Efficiency ratio | 88.9260% | 387 |
| Assets per employee ($millions) | 5.7954% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 3,589 |
| Loan loss allowance to noncurrent loans | 179.7500% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 1,820 |
| Noncurrent loans to loans | 0.5320% | 1,401 |
| Net loans and leases to total assets | 51.4000% | 3,454 |
| Net loans and leases to deposits | 59.3193% | 3,461 |
| Net loans and leases to core deposits | 66.4496% | 3,332 |
| Total domestic deposits to total assets | 86.6600% | 2,039 |
| Equity capital to assets | 8.3991% | 2,949 |
| Core capital (leverage) ratio | 12.1569% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4662% | 413 |
| Memoranda: | ||
| Average total assets | $144,018,333 | 3,441 |
| Average earning assets | $135,566,000 | 3,405 |
| Average equity | $12,240,333 | 3,517 |
| Average total loans | $74,722,333 | 3,492 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 3,900 |
| Cost of funding earning assets | 0.9467% | 2,229 |
| Net interest margin | 2.8313% | 3,902 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.6159% | 1,908 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3566% | 4,159 |
| Return on assets (ROA) | 0.3566% | 4,113 |
| Pretax return on assets | 0.3594% | 4,193 |
| Return on Equity (ROE) | 4.1700% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.1707% | 3,220 |
| Net charge-offs to loans | 0.0591% | 784 |
| Credit loss provision to net charge-offs | 236.3636% | 762 |
| Earnings coverage of net charge-offs (x) | 14.0909% | 1,572 |
| Efficiency ratio | 85.8318% | 517 |
| Assets per employee ($millions) | 6.2357% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,711 |
| Loan loss allowance to noncurrent loans | 222.5000% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 2,012 |
| Noncurrent loans to loans | 0.4281% | 1,648 |
| Net loans and leases to total assets | 51.6200% | 3,371 |
| Net loans and leases to deposits | 57.0488% | 3,508 |
| Net loans and leases to core deposits | 62.8958% | 3,392 |
| Total domestic deposits to total assets | 90.4800% | 985 |
| Equity capital to assets | 8.8523% | 2,630 |
| Core capital (leverage) ratio | 11.8654% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2823% | 385 |
| Memoranda: | ||
| Average total assets | $143,585,000 | 3,486 |
| Average earning assets | $135,201,500 | 3,459 |
| Average equity | $12,276,000 | 3,550 |
| Average total loans | $74,486,000 | 3,533 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 3,962 |
| Cost of funding earning assets | 0.2993% | 2,884 |
| Net interest margin | 2.8178% | 3,855 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.4252% | 2,350 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.5137% | 4,069 |
| Return on assets (ROA) | 0.5137% | 4,024 |
| Pretax return on assets | 0.5937% | 4,035 |
| Return on Equity (ROE) | 5.6400% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.6400% | 2,771 |
| Net charge-offs to loans | 0.1161% | 651 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 11.9012% | 2,132 |
| Efficiency ratio | 78.9105% | 793 |
| Assets per employee ($millions) | 5.7500% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5106% | 4,423 |
| Loan loss allowance to noncurrent loans | 99.2147% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 1,830 |
| Noncurrent loans to loans | 0.5146% | 1,418 |
| Net loans and leases to total assets | 51.3700% | 3,406 |
| Net loans and leases to deposits | 65.6115% | 2,913 |
| Net loans and leases to core deposits | 72.8360% | 2,657 |
| Total domestic deposits to total assets | 78.3000% | 4,063 |
| Equity capital to assets | 8.2477% | 2,896 |
| Core capital (leverage) ratio | 12.2261% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1569% | 410 |
| Memoranda: | ||
| Average total assets | $148,729,200 | 3,453 |
| Average earning assets | $140,998,600 | 3,409 |
| Average equity | $13,546,200 | 3,520 |
| Average total loans | $69,754,600 | 3,584 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9453% | 3,992 |
| Cost of funding earning assets | 0.1685% | 3,643 |
| Net interest margin | 2.7768% | 3,785 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.3790% | 2,400 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5201% | 4,031 |
| Return on assets (ROA) | 0.5201% | 3,977 |
| Pretax return on assets | 0.6019% | 3,987 |
| Return on Equity (ROE) | 5.5800% | 3,871 |
| Retained earnings to average equity (ytd only) | 5.5838% | 2,898 |
| Net charge-offs to loans | 0.1360% | 474 |
| Credit loss provision to net charge-offs | 91.4286% | 1,369 |
| Earnings coverage of net charge-offs (x) | 10.5857% | 1,976 |
| Efficiency ratio | 78.3143% | 889 |
| Assets per employee ($millions) | 6.6409% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 4,473 |
| Loan loss allowance to noncurrent loans | 68.7616% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 1,496 |
| Noncurrent loans to loans | 0.7306% | 1,116 |
| Net loans and leases to total assets | 48.2400% | 3,602 |
| Net loans and leases to deposits | 58.1952% | 3,328 |
| Net loans and leases to core deposits | 63.9848% | 3,119 |
| Total domestic deposits to total assets | 82.8900% | 3,708 |
| Equity capital to assets | 7.3491% | 3,302 |
| Core capital (leverage) ratio | 11.9952% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7111% | 451 |
| Memoranda: | ||
| Average total assets | $149,974,250 | 3,468 |
| Average earning assets | $142,416,250 | 3,420 |
| Average equity | $13,968,750 | 3,516 |
| Average total loans | $68,636,750 | 3,612 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7704% | 4,028 |
| Cost of funding earning assets | 0.1269% | 3,880 |
| Net interest margin | 2.6436% | 3,827 |
| Noninterest income to average assets | 0.4213% | 2,622 |
| Noninterest expense to average assets | 2.4139% | 2,185 |
| Loan and lease loss provision to assets | 0.0631% | 1,466 |
| Net operating income to assets | 0.4146% | 4,080 |
| Return on assets (ROA) | 0.4146% | 4,028 |
| Pretax return on assets | 0.4602% | 4,060 |
| Return on Equity (ROE) | 4.1523% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.1523% | 3,031 |
| Net charge-offs to loans | 0.1915% | 338 |
| Credit loss provision to net charge-offs | 73.4375% | 1,418 |
| Earnings coverage of net charge-offs (x) | 6.0938% | 1,913 |
| Efficiency ratio | 82.1836% | 785 |
| Assets per employee ($millions) | 5.5839% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5095% | 4,543 |
| Loan loss allowance to noncurrent loans | 65.6987% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 1,455 |
| Noncurrent loans to loans | 0.7755% | 1,101 |
| Net loans and leases to total assets | 48.6903% | 3,493 |
| Net loans and leases to deposits | 53.8452% | 3,549 |
| Net loans and leases to core deposits | 59.1169% | 3,339 |
| Total domestic deposits to total assets | 90.4264% | 1,504 |
| Equity capital to assets | 8.7697% | 2,558 |
| Core capital (leverage) ratio | 11.3935% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8179% | 430 |
| Memoranda: | ||
| Average total assets | $149,052,333 | 3,511 |
| Average earning assets | $141,854,667 | 3,476 |
| Average equity | $14,883,333 | 3,508 |
| Average total loans | $66,831,333 | 3,677 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5315% | 4,225 |
| Cost of funding earning assets | 0.1332% | 3,725 |
| Net interest margin | 2.3983% | 4,071 |
| Noninterest income to average assets | 0.4136% | 2,598 |
| Noninterest expense to average assets | 2.3674% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3181% | 4,110 |
| Return on assets (ROA) | 0.3181% | 4,076 |
| Pretax return on assets | 0.3367% | 4,136 |
| Return on Equity (ROE) | 3.0077% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.0077% | 3,258 |
| Net charge-offs to loans | 0.1174% | 461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.6842% | 1,564 |
| Efficiency ratio | 87.5490% | 657 |
| Assets per employee ($millions) | 5.8489% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 4,538 |
| Loan loss allowance to noncurrent loans | 69.4981% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 1,717 |
| Noncurrent loans to loans | 0.8002% | 1,185 |
| Net loans and leases to total assets | 42.3335% | 3,862 |
| Net loans and leases to deposits | 47.2735% | 3,911 |
| Net loans and leases to core deposits | 51.3451% | 3,780 |
| Total domestic deposits to total assets | 89.5503% | 1,788 |
| Equity capital to assets | 9.7501% | 2,090 |
| Core capital (leverage) ratio | 12.7423% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5638% | 314 |
| Memoranda: | ||
| Average total assets | $150,883,500 | 3,506 |
| Average earning assets | $144,103,000 | 3,471 |
| Average equity | $15,959,000 | 3,478 |
| Average total loans | $64,721,500 | 3,721 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9759% | 3,912 |
| Cost of funding earning assets | 0.1890% | 3,567 |
| Net interest margin | 2.7869% | 3,699 |
| Noninterest income to average assets | 0.7202% | 1,690 |
| Noninterest expense to average assets | 2.6242% | 1,813 |
| Loan and lease loss provision to assets | 0.0791% | 1,547 |
| Net operating income to assets | 0.5546% | 3,969 |
| Return on assets (ROA) | 0.5546% | 4,016 |
| Pretax return on assets | 0.6740% | 3,983 |
| Return on Equity (ROE) | 4.4696% | 4,110 |
| Retained earnings to average equity (ytd only) | 4.4696% | 3,018 |
| Net charge-offs to loans | 0.1457% | 650 |
| Credit loss provision to net charge-offs | 113.6842% | 1,684 |
| Earnings coverage of net charge-offs (x) | 10.8211% | 2,190 |
| Efficiency ratio | 77.7007% | 974 |
| Assets per employee ($millions) | 5.7575% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 4,551 |
| Loan loss allowance to noncurrent loans | 100.2646% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 2,306 |
| Noncurrent loans to loans | 0.5842% | 1,678 |
| Net loans and leases to total assets | 42.9718% | 3,914 |
| Net loans and leases to deposits | 53.4553% | 3,632 |
| Net loans and leases to core deposits | 57.4348% | 3,520 |
| Total domestic deposits to total assets | 80.3883% | 4,180 |
| Equity capital to assets | 11.4171% | 1,548 |
| Core capital (leverage) ratio | 11.9125% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1714% | 391 |
| Memoranda: | ||
| Average total assets | $136,496,800 | 3,615 |
| Average earning assets | $130,146,200 | 3,573 |
| Average equity | $16,936,800 | 3,469 |
| Average total loans | $65,207,000 | 3,738 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0654% | 3,879 |
| Cost of funding earning assets | 0.2081% | 3,532 |
| Net interest margin | 2.8573% | 3,638 |
| Noninterest income to average assets | 0.6967% | 1,826 |
| Noninterest expense to average assets | 2.6687% | 1,669 |
| Loan and lease loss provision to assets | 0.1081% | 1,115 |
| Net operating income to assets | 0.5335% | 4,136 |
| Return on assets (ROA) | 0.5335% | 4,181 |
| Pretax return on assets | 0.6416% | 4,174 |
| Return on Equity (ROE) | 4.2055% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.2055% | 3,510 |
| Net charge-offs to loans | 0.2163% | 381 |
| Credit loss provision to net charge-offs | 101.8868% | 1,562 |
| Earnings coverage of net charge-offs (x) | 7.0660% | 2,154 |
| Efficiency ratio | 78.0673% | 869 |
| Assets per employee ($millions) | 5.1095% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 4,675 |
| Loan loss allowance to noncurrent loans | 92.6952% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 2,175 |
| Noncurrent loans to loans | 0.5892% | 1,834 |
| Net loans and leases to total assets | 50.4411% | 3,356 |
| Net loans and leases to deposits | 64.9120% | 2,741 |
| Net loans and leases to core deposits | 70.6737% | 2,537 |
| Total domestic deposits to total assets | 77.7069% | 4,448 |
| Equity capital to assets | 12.9095% | 1,007 |
| Core capital (leverage) ratio | 11.9400% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8820% | 433 |
| Memoranda: | ||
| Average total assets | $133,197,000 | 3,684 |
| Average earning assets | $126,876,000 | 3,643 |
| Average equity | $16,898,250 | 3,517 |
| Average total loans | $65,332,250 | 3,788 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0518% | 3,952 |
| Cost of funding earning assets | 0.2314% | 3,455 |
| Net interest margin | 2.8204% | 3,747 |
| Noninterest income to average assets | 0.6901% | 1,852 |
| Noninterest expense to average assets | 2.6614% | 1,684 |
| Loan and lease loss provision to assets | 0.0450% | 2,113 |
| Net operating income to assets | 0.5551% | 4,092 |
| Return on assets (ROA) | 0.5551% | 4,141 |
| Pretax return on assets | 0.6721% | 4,120 |
| Return on Equity (ROE) | 4.4010% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.4010% | 3,399 |
| Net charge-offs to loans | 0.1299% | 609 |
| Credit loss provision to net charge-offs | 71.4286% | 1,519 |
| Earnings coverage of net charge-offs (x) | 11.3810% | 1,764 |
| Efficiency ratio | 78.7744% | 863 |
| Assets per employee ($millions) | 5.5918% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5420% | 4,709 |
| Loan loss allowance to noncurrent loans | 72.5410% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 2,165 |
| Noncurrent loans to loans | 0.7471% | 1,599 |
| Net loans and leases to total assets | 46.4712% | 3,870 |
| Net loans and leases to deposits | 56.7455% | 3,662 |
| Net loans and leases to core deposits | 61.0753% | 3,537 |
| Total domestic deposits to total assets | 81.8941% | 3,947 |
| Equity capital to assets | 12.2373% | 1,255 |
| Core capital (leverage) ratio | 11.7222% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2808% | 416 |
| Memoranda: | ||
| Average total assets | $133,313,333 | 3,699 |
| Average earning assets | $127,072,000 | 3,658 |
| Average equity | $16,814,333 | 3,529 |
| Average total loans | $64,650,333 | 3,824 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0900% | 3,905 |
| Cost of funding earning assets | 0.2519% | 3,458 |
| Net interest margin | 2.8382% | 3,674 |
| Noninterest income to average assets | 0.6489% | 2,030 |
| Noninterest expense to average assets | 2.7400% | 1,520 |
| Loan and lease loss provision to assets | 0.0646% | 1,849 |
| Net operating income to assets | 0.4674% | 4,243 |
| Return on assets (ROA) | 0.4674% | 4,280 |
| Pretax return on assets | 0.5474% | 4,281 |
| Return on Equity (ROE) | 3.6477% | 4,356 |
| Retained earnings to average equity (ytd only) | 3.6477% | 3,605 |
| Net charge-offs to loans | 0.2674% | 318 |
| Credit loss provision to net charge-offs | 48.8372% | 1,314 |
| Earnings coverage of net charge-offs (x) | 4.6279% | 1,722 |
| Efficiency ratio | 81.7431% | 713 |
| Assets per employee ($millions) | 5.4346% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 4,749 |
| Loan loss allowance to noncurrent loans | 178.2383% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 3,439 |
| Noncurrent loans to loans | 0.2981% | 3,029 |
| Net loans and leases to total assets | 47.3959% | 3,869 |
| Net loans and leases to deposits | 57.3901% | 3,685 |
| Net loans and leases to core deposits | 61.6736% | 3,599 |
| Total domestic deposits to total assets | 82.5855% | 3,783 |
| Equity capital to assets | 12.1305% | 1,231 |
| Core capital (leverage) ratio | 11.9752% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1978% | 346 |
| Memoranda: | ||
| Average total assets | $130,073,000 | 3,740 |
| Average earning assets | $123,881,500 | 3,694 |
| Average equity | $16,668,000 | 3,544 |
| Average total loans | $64,316,500 | 3,836 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 4,045 |
| Cost of funding earning assets | 0.5166% | 2,835 |
| Net interest margin | 2.9748% | 3,951 |
| Noninterest income to average assets | 0.8610% | 1,369 |
| Noninterest expense to average assets | 2.6492% | 2,388 |
| Loan and lease loss provision to assets | 0.2126% | 1,847 |
| Net operating income to assets | 0.6718% | 3,516 |
| Return on assets (ROA) | 0.6718% | 3,643 |
| Pretax return on assets | 0.8294% | 3,554 |
| Return on Equity (ROE) | 5.2151% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.2151% | 2,181 |
| Net charge-offs to loans | 0.3399% | 513 |
| Credit loss provision to net charge-offs | 120.0913% | 2,634 |
| Earnings coverage of net charge-offs (x) | 5.8858% | 2,827 |
| Efficiency ratio | 71.7696% | 1,707 |
| Assets per employee ($millions) | 4.9713% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5728% | 4,735 |
| Loan loss allowance to noncurrent loans | 55.0376% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 1,937 |
| Noncurrent loans to loans | 1.0408% | 1,364 |
| Net loans and leases to total assets | 51.1168% | 3,743 |
| Net loans and leases to deposits | 63.4776% | 3,477 |
| Net loans and leases to core deposits | 68.8206% | 3,345 |
| Total domestic deposits to total assets | 80.5273% | 3,954 |
| Equity capital to assets | 13.5619% | 914 |
| Core capital (leverage) ratio | 12.2065% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6800% | 329 |
| Memoranda: | ||
| Average total assets | $123,698,400 | 3,702 |
| Average earning assets | $117,686,800 | 3,650 |
| Average equity | $15,934,400 | 3,559 |
| Average total loans | $64,429,000 | 3,840 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 4,180 |
| Cost of funding earning assets | 0.5672% | 2,826 |
| Net interest margin | 2.9483% | 4,090 |
| Noninterest income to average assets | 0.8385% | 1,379 |
| Noninterest expense to average assets | 2.5845% | 2,579 |
| Loan and lease loss provision to assets | 0.2590% | 1,564 |
| Net operating income to assets | 0.6421% | 3,657 |
| Return on assets (ROA) | 0.6421% | 3,748 |
| Pretax return on assets | 0.7996% | 3,648 |
| Return on Equity (ROE) | 5.0516% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.0516% | 2,536 |
| Net charge-offs to loans | 0.4936% | 302 |
| Credit loss provision to net charge-offs | 100.4184% | 2,616 |
| Earnings coverage of net charge-offs (x) | 4.1046% | 2,853 |
| Efficiency ratio | 70.9419% | 1,757 |
| Assets per employee ($millions) | 5.2813% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5122% | 4,799 |
| Loan loss allowance to noncurrent loans | 40.8344% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 1,867 |
| Noncurrent loans to loans | 1.2543% | 1,201 |
| Net loans and leases to total assets | 47.5195% | 4,237 |
| Net loans and leases to deposits | 58.7072% | 4,133 |
| Net loans and leases to core deposits | 64.2673% | 4,003 |
| Total domestic deposits to total assets | 80.9433% | 3,675 |
| Equity capital to assets | 12.4932% | 1,433 |
| Core capital (leverage) ratio | 11.6417% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2906% | 391 |
| Memoranda: | ||
| Average total assets | $123,552,500 | 3,696 |
| Average earning assets | $117,535,250 | 3,640 |
| Average equity | $15,704,250 | 3,585 |
| Average total loans | $64,562,500 | 3,854 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,348 |
| Cost of funding earning assets | 0.6190% | 2,870 |
| Net interest margin | 2.9329% | 4,255 |
| Noninterest income to average assets | 0.7604% | 1,549 |
| Noninterest expense to average assets | 2.5612% | 2,794 |
| Loan and lease loss provision to assets | 0.2121% | 1,955 |
| Net operating income to assets | 0.6196% | 3,676 |
| Return on assets (ROA) | 0.6196% | 3,754 |
| Pretax return on assets | 0.7737% | 3,662 |
| Return on Equity (ROE) | 4.8444% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.8444% | 2,548 |
| Net charge-offs to loans | 0.4334% | 370 |
| Credit loss provision to net charge-offs | 90.7801% | 2,460 |
| Earnings coverage of net charge-offs (x) | 4.2199% | 2,615 |
| Efficiency ratio | 72.2092% | 1,652 |
| Assets per employee ($millions) | 5.2478% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4893% | 4,847 |
| Loan loss allowance to noncurrent loans | 17.2722% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 652 |
| Noncurrent loans to loans | 2.8331% | 369 |
| Net loans and leases to total assets | 47.8959% | 4,262 |
| Net loans and leases to deposits | 59.1563% | 4,160 |
| Net loans and leases to core deposits | 65.4893% | 3,989 |
| Total domestic deposits to total assets | 80.9650% | 3,616 |
| Equity capital to assets | 12.3557% | 1,449 |
| Core capital (leverage) ratio | 11.9370% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2786% | 435 |
| Memoranda: | ||
| Average total assets | $120,726,000 | 3,714 |
| Average earning assets | $114,699,667 | 3,669 |
| Average equity | $15,440,667 | 3,611 |
| Average total loans | $65,062,000 | 3,851 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 4,406 |
| Cost of funding earning assets | 0.6691% | 3,062 |
| Net interest margin | 3.0239% | 4,242 |
| Noninterest income to average assets | 0.5576% | 2,238 |
| Noninterest expense to average assets | 2.7604% | 2,543 |
| Loan and lease loss provision to assets | 0.4433% | 684 |
| Net operating income to assets | 0.2286% | 4,479 |
| Return on assets (ROA) | 0.2286% | 4,501 |
| Pretax return on assets | 0.2182% | 4,549 |
| Return on Equity (ROE) | 1.7535% | 4,499 |
| Retained earnings to average equity (ytd only) | 1.7535% | 3,530 |
| Net charge-offs to loans | 0.8482% | 174 |
| Credit loss provision to net charge-offs | 91.4286% | 1,891 |
| Earnings coverage of net charge-offs (x) | 1.3643% | 2,396 |
| Efficiency ratio | 80.6680% | 1,073 |
| Assets per employee ($millions) | 4.9588% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4688% | 4,897 |
| Loan loss allowance to noncurrent loans | 30.2439% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,375 |
| Noncurrent loans to loans | 1.5501% | 1,016 |
| Net loans and leases to total assets | 55.3025% | 3,884 |
| Net loans and leases to deposits | 65.7608% | 3,882 |
| Net loans and leases to core deposits | 73.7376% | 3,653 |
| Total domestic deposits to total assets | 84.0964% | 2,761 |
| Equity capital to assets | 12.3753% | 1,813 |
| Core capital (leverage) ratio | 12.5340% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6638% | 466 |
| Memoranda: | ||
| Average total assets | $115,491,500 | 3,771 |
| Average earning assets | $109,393,500 | 3,721 |
| Average equity | $15,056,000 | 3,656 |
| Average total loans | $66,020,000 | 3,846 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 4,479 |
| Cost of funding earning assets | 0.6456% | 3,434 |
| Net interest margin | 3.2298% | 4,128 |
| Noninterest income to average assets | 0.4888% | 2,806 |
| Noninterest expense to average assets | 2.7067% | 2,865 |
| Loan and lease loss provision to assets | 0.0707% | 2,586 |
| Net operating income to assets | 0.6267% | 4,082 |
| Return on assets (ROA) | 0.6267% | 4,144 |
| Pretax return on assets | 0.7681% | 4,049 |
| Return on Equity (ROE) | 4.8583% | 4,250 |
| Retained earnings to average equity (ytd only) | 4.8583% | 2,494 |
| Net charge-offs to loans | 0.1208% | 1,546 |
| Credit loss provision to net charge-offs | 103.8462% | 2,381 |
| Earnings coverage of net charge-offs (x) | 12.3205% | 2,422 |
| Efficiency ratio | 76.3417% | 1,323 |
| Assets per employee ($millions) | 4.6655% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4885% | 4,899 |
| Loan loss allowance to noncurrent loans | 40.6053% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 1,825 |
| Noncurrent loans to loans | 1.2031% | 1,252 |
| Net loans and leases to total assets | 58.5789% | 3,709 |
| Net loans and leases to deposits | 71.0078% | 3,591 |
| Net loans and leases to core deposits | 80.4001% | 3,263 |
| Total domestic deposits to total assets | 82.4965% | 3,363 |
| Equity capital to assets | 13.7391% | 1,193 |
| Core capital (leverage) ratio | 13.0969% | 1,198 |
| Tier 1 risk-based capital ratio | 24.3343% | 802 |
| Total risk-based capital ratio | 24.8555% | 845 |
| Memoranda: | ||
| Average total assets | $114,569,400 | 3,768 |
| Average earning assets | $108,427,800 | 3,741 |
| Average equity | $14,778,800 | 3,657 |
| Average total loans | $64,551,200 | 3,893 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 4,601 |
| Cost of funding earning assets | 0.6160% | 3,610 |
| Net interest margin | 3.2378% | 4,215 |
| Noninterest income to average assets | 0.4826% | 2,842 |
| Noninterest expense to average assets | 2.7460% | 2,724 |
| Loan and lease loss provision to assets | 0.0301% | 3,297 |
| Net operating income to assets | 0.6110% | 4,271 |
| Return on assets (ROA) | 0.6110% | 4,319 |
| Pretax return on assets | 0.7718% | 4,189 |
| Return on Equity (ROE) | 4.8127% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.8127% | 2,982 |
| Net charge-offs to loans | 0.0374% | 2,341 |
| Credit loss provision to net charge-offs | 144.4444% | 1,683 |
| Earnings coverage of net charge-offs (x) | 38.4992% | 1,408 |
| Efficiency ratio | 77.3973% | 1,166 |
| Assets per employee ($millions) | 5.1040% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4959% | 4,977 |
| Loan loss allowance to noncurrent loans | 67.4227% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,189 |
| Noncurrent loans to loans | 0.7356% | 2,123 |
| Net loans and leases to total assets | 55.8888% | 4,054 |
| Net loans and leases to deposits | 67.7604% | 3,938 |
| Net loans and leases to core deposits | 76.2301% | 3,680 |
| Total domestic deposits to total assets | 82.4801% | 3,325 |
| Equity capital to assets | 12.9804% | 1,641 |
| Core capital (leverage) ratio | 12.3426% | 1,661 |
| Tier 1 risk-based capital ratio | 23.2346% | 922 |
| Total risk-based capital ratio | 23.7465% | 978 |
| Memoranda: | ||
| Average total assets | $115,218,750 | 3,804 |
| Average earning assets | $109,082,250 | 3,764 |
| Average equity | $14,627,500 | 3,702 |
| Average total loans | $64,210,500 | 3,943 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 4,687 |
| Cost of funding earning assets | 0.5837% | 3,732 |
| Net interest margin | 3.2381% | 4,271 |
| Noninterest income to average assets | 0.4210% | 3,128 |
| Noninterest expense to average assets | 2.7949% | 2,606 |
| Loan and lease loss provision to assets | 0.0245% | 3,316 |
| Net operating income to assets | 0.5363% | 4,449 |
| Return on assets (ROA) | 0.5363% | 4,479 |
| Pretax return on assets | 0.6638% | 4,415 |
| Return on Equity (ROE) | 4.2568% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.2568% | 3,124 |
| Net charge-offs to loans | 0.0691% | 1,670 |
| Credit loss provision to net charge-offs | 63.6364% | 2,377 |
| Earnings coverage of net charge-offs (x) | 17.9091% | 1,872 |
| Efficiency ratio | 80.2407% | 949 |
| Assets per employee ($millions) | 5.0433% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4680% | 5,052 |
| Loan loss allowance to noncurrent loans | 101.6340% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 2,735 |
| Noncurrent loans to loans | 0.4605% | 2,902 |
| Net loans and leases to total assets | 54.6448% | 4,168 |
| Net loans and leases to deposits | 65.5835% | 4,124 |
| Net loans and leases to core deposits | 69.6140% | 4,128 |
| Total domestic deposits to total assets | 83.3209% | 3,107 |
| Equity capital to assets | 12.3234% | 1,962 |
| Core capital (leverage) ratio | 12.4252% | 1,575 |
| Tier 1 risk-based capital ratio | 23.0471% | 943 |
| Total risk-based capital ratio | 23.5373% | 1,004 |
| Memoranda: | ||
| Average total assets | $114,494,330 | 3,838 |
| Average earning assets | $108,274,330 | 3,803 |
| Average equity | $14,424,000 | 3,731 |
| Average total loans | $63,635,330 | 3,980 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 4,682 |
| Cost of funding earning assets | 0.5837% | 3,661 |
| Net interest margin | 3.2352% | 4,318 |
| Noninterest income to average assets | 0.4136% | 3,085 |
| Noninterest expense to average assets | 2.8232% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5215% | 4,458 |
| Return on assets (ROA) | 0.5215% | 4,480 |
| Pretax return on assets | 0.6402% | 4,439 |
| Return on Equity (ROE) | 4.0908% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.0908% | 3,282 |
| Net charge-offs to loans | 0.1414% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,097 |
| Efficiency ratio | 81.5161% | 921 |
| Assets per employee ($millions) | 4.5392% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4577% | 5,126 |
| Loan loss allowance to noncurrent loans | 186.7925% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,224 |
| Noncurrent loans to loans | 0.2450% | 3,689 |
| Net loans and leases to total assets | 56.9233% | 3,989 |
| Net loans and leases to deposits | 68.8583% | 3,853 |
| Net loans and leases to core deposits | 73.5952% | 3,821 |
| Total domestic deposits to total assets | 82.6673% | 3,515 |
| Equity capital to assets | 12.6728% | 1,640 |
| Core capital (leverage) ratio | 12.9174% | 1,313 |
| Tier 1 risk-based capital ratio | 23.8145% | 857 |
| Total risk-based capital ratio | 24.3037% | 910 |
| Memoranda: | ||
| Average total assets | $111,222,500 | 3,915 |
| Average earning assets | $104,846,500 | 3,902 |
| Average equity | $14,178,000 | 3,775 |
| Average total loans | $62,227,000 | 4,041 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,682 |
| Cost of funding earning assets | 0.4051% | 3,957 |
| Net interest margin | 3.2858% | 4,289 |
| Noninterest income to average assets | 0.5105% | 2,774 |
| Noninterest expense to average assets | 2.6275% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8101% | 3,765 |
| Return on assets (ROA) | 0.8109% | 3,764 |
| Pretax return on assets | 0.9859% | 3,656 |
| Return on Equity (ROE) | 6.6476% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.6476% | 1,842 |
| Net charge-offs to loans | 0.0382% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 47.4783% | 1,170 |
| Efficiency ratio | 72.7341% | 1,806 |
| Assets per employee ($millions) | 4.3586% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5356% | 5,082 |
| Loan loss allowance to noncurrent loans | 124.6094% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 2,767 |
| Noncurrent loans to loans | 0.4298% | 2,999 |
| Net loans and leases to total assets | 54.3674% | 4,253 |
| Net loans and leases to deposits | 65.1426% | 4,177 |
| Net loans and leases to core deposits | 69.9780% | 4,117 |
| Total domestic deposits to total assets | 83.4591% | 3,170 |
| Equity capital to assets | 12.8251% | 1,426 |
| Core capital (leverage) ratio | 13.3386% | 1,134 |
| Tier 1 risk-based capital ratio | 25.5931% | 700 |
| Total risk-based capital ratio | 26.1634% | 735 |
| Memoranda: | ||
| Average total assets | $110,866,000 | 3,930 |
| Average earning assets | $104,661,000 | 3,901 |
| Average equity | $13,523,600 | 3,811 |
| Average total loans | $60,202,200 | 4,086 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 4,724 |
| Cost of funding earning assets | 0.3917% | 3,922 |
| Net interest margin | 3.2606% | 4,383 |
| Noninterest income to average assets | 0.4994% | 2,871 |
| Noninterest expense to average assets | 2.6297% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7690% | 4,014 |
| Return on assets (ROA) | 0.7700% | 4,022 |
| Pretax return on assets | 0.9508% | 3,877 |
| Return on Equity (ROE) | 6.3927% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.3927% | 2,437 |
| Net charge-offs to loans | 0.0353% | 2,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 49.5692% | 1,180 |
| Efficiency ratio | 73.4694% | 1,663 |
| Assets per employee ($millions) | 4.2946% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5443% | 5,136 |
| Loan loss allowance to noncurrent loans | 79.5122% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 3,058 |
| Noncurrent loans to loans | 0.6846% | 2,371 |
| Net loans and leases to total assets | 55.4775% | 4,256 |
| Net loans and leases to deposits | 64.7034% | 4,295 |
| Net loans and leases to core deposits | 70.2522% | 4,176 |
| Total domestic deposits to total assets | 85.7413% | 2,304 |
| Equity capital to assets | 12.4769% | 1,605 |
| Core capital (leverage) ratio | 12.8629% | 1,342 |
| Tier 1 risk-based capital ratio | 25.2505% | 728 |
| Total risk-based capital ratio | 25.8361% | 771 |
| Memoranda: | ||
| Average total assets | $111,341,000 | 3,961 |
| Average earning assets | $105,171,250 | 3,934 |
| Average equity | $13,410,750 | 3,862 |
| Average total loans | $60,362,500 | 4,126 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,789 |
| Cost of funding earning assets | 0.3774% | 3,889 |
| Net interest margin | 3.2051% | 4,488 |
| Noninterest income to average assets | 0.5148% | 2,777 |
| Noninterest expense to average assets | 2.5935% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7690% | 3,962 |
| Return on assets (ROA) | 0.7704% | 3,961 |
| Pretax return on assets | 0.9533% | 3,796 |
| Return on Equity (ROE) | 6.4700% | 4,071 |
| Retained earnings to average equity (ytd only) | 6.4700% | 2,324 |
| Net charge-offs to loans | 0.0066% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 337 |
| Efficiency ratio | 73.1597% | 1,826 |
| Assets per employee ($millions) | 4.5197% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5721% | 5,156 |
| Loan loss allowance to noncurrent loans | 79.4393% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 3,225 |
| Noncurrent loans to loans | 0.7202% | 2,309 |
| Net loans and leases to total assets | 52.2940% | 4,460 |
| Net loans and leases to deposits | 60.5075% | 4,503 |
| Net loans and leases to core deposits | 65.5208% | 4,396 |
| Total domestic deposits to total assets | 86.4256% | 2,087 |
| Equity capital to assets | 11.9203% | 1,909 |
| Core capital (leverage) ratio | 12.2773% | 1,553 |
| Tier 1 risk-based capital ratio | 24.5829% | 780 |
| Total risk-based capital ratio | 25.1864% | 808 |
| Memoranda: | ||
| Average total assets | $112,666,000 | 3,977 |
| Average earning assets | $106,517,330 | 3,938 |
| Average equity | $13,415,670 | 3,880 |
| Average total loans | $60,520,000 | 4,155 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5563% | 4,784 |
| Cost of funding earning assets | 0.4102% | 3,511 |
| Net interest margin | 3.1461% | 4,605 |
| Noninterest income to average assets | 0.5369% | 2,600 |
| Noninterest expense to average assets | 2.6382% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7111% | 4,062 |
| Return on assets (ROA) | 0.7111% | 4,071 |
| Pretax return on assets | 0.8711% | 3,943 |
| Return on Equity (ROE) | 5.9751% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.9751% | 2,716 |
| Net charge-offs to loans | -0.0393% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1773% | 1,721 |
| Assets per employee ($millions) | 4.4829% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 5,222 |
| Loan loss allowance to noncurrent loans | 82.8571% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,326 |
| Noncurrent loans to loans | 0.6996% | 2,461 |
| Net loans and leases to total assets | 53.2581% | 4,346 |
| Net loans and leases to deposits | 61.5785% | 4,365 |
| Net loans and leases to core deposits | 66.9493% | 4,256 |
| Total domestic deposits to total assets | 86.4883% | 2,322 |
| Equity capital to assets | 11.8530% | 1,877 |
| Core capital (leverage) ratio | 12.0992% | 1,588 |
| Tier 1 risk-based capital ratio | 23.6762% | 870 |
| Total risk-based capital ratio | 24.2814% | 914 |
| Memoranda: | ||
| Average total assets | $112,503,000 | 4,020 |
| Average earning assets | $106,289,000 | 3,986 |
| Average equity | $13,389,000 | 3,917 |
| Average total loans | $61,066,000 | 4,175 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4327% | 4,897 |
| Cost of funding earning assets | 0.3099% | 4,041 |
| Net interest margin | 3.1228% | 4,645 |
| Noninterest income to average assets | 0.3812% | 3,757 |
| Noninterest expense to average assets | 2.7808% | 2,845 |
| Loan and lease loss provision to assets | 0.0682% | 2,838 |
| Net operating income to assets | 0.4171% | 4,636 |
| Return on assets (ROA) | 0.4171% | 4,659 |
| Pretax return on assets | 0.4790% | 4,957 |
| Return on Equity (ROE) | 3.5450% | 4,670 |
| Retained earnings to average equity (ytd only) | 3.5450% | 3,152 |
| Net charge-offs to loans | 0.1899% | 1,339 |
| Credit loss provision to net charge-offs | 67.8571% | 3,120 |
| Earnings coverage of net charge-offs (x) | 5.4464% | 3,325 |
| Efficiency ratio | 83.5580% | 807 |
| Assets per employee ($millions) | 4.5173% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5508% | 5,323 |
| Loan loss allowance to noncurrent loans | 167.6471% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,938 |
| Noncurrent loans to loans | 0.3285% | 3,596 |
| Net loans and leases to total assets | 54.6820% | 4,300 |
| Net loans and leases to deposits | 71.7594% | 3,724 |
| Net loans and leases to core deposits | 80.0814% | 3,413 |
| Total domestic deposits to total assets | 76.2018% | 4,956 |
| Equity capital to assets | 11.9487% | 1,865 |
| Core capital (leverage) ratio | 11.9810% | 1,611 |
| Tier 1 risk-based capital ratio | 22.9646% | 913 |
| Total risk-based capital ratio | 23.5501% | 959 |
| Memoranda: | ||
| Average total assets | $111,477,000 | 4,030 |
| Average earning assets | $105,194,200 | 3,999 |
| Average equity | $13,117,200 | 3,968 |
| Average total loans | $58,984,000 | 4,223 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3979% | 4,967 |
| Cost of funding earning assets | 0.2938% | 4,189 |
| Net interest margin | 3.1042% | 4,707 |
| Noninterest income to average assets | 0.3936% | 3,732 |
| Noninterest expense to average assets | 2.8727% | 2,500 |
| Loan and lease loss provision to assets | 0.0792% | 2,502 |
| Net operating income to assets | 0.3516% | 5,105 |
| Return on assets (ROA) | 0.3516% | 5,129 |
| Pretax return on assets | 0.3708% | 5,231 |
| Return on Equity (ROE) | 2.9998% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.9998% | 4,122 |
| Net charge-offs to loans | 0.2359% | 907 |
| Credit loss provision to net charge-offs | 64.0777% | 2,756 |
| Earnings coverage of net charge-offs (x) | 3.6408% | 3,314 |
| Efficiency ratio | 86.4572% | 602 |
| Assets per employee ($millions) | 4.5062% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5585% | 5,394 |
| Loan loss allowance to noncurrent loans | 48.3003% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 2,629 |
| Noncurrent loans to loans | 1.1563% | 1,659 |
| Net loans and leases to total assets | 53.8933% | 4,425 |
| Net loans and leases to deposits | 67.6110% | 4,135 |
| Net loans and leases to core deposits | 72.9990% | 4,057 |
| Total domestic deposits to total assets | 79.7108% | 4,389 |
| Equity capital to assets | 11.8263% | 2,093 |
| Core capital (leverage) ratio | 11.9087% | 1,750 |
| Tier 1 risk-based capital ratio | 22.9504% | 953 |
| Total risk-based capital ratio | 23.5413% | 992 |
| Memoranda: | ||
| Average total assets | $111,113,000 | 4,088 |
| Average earning assets | $104,845,000 | 4,051 |
| Average equity | $13,023,000 | 4,021 |
| Average total loans | $58,206,000 | 4,283 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4235% | 4,930 |
| Cost of funding earning assets | 0.2973% | 4,106 |
| Net interest margin | 3.1262% | 4,614 |
| Noninterest income to average assets | 0.4864% | 3,108 |
| Noninterest expense to average assets | 3.1320% | 1,762 |
| Loan and lease loss provision to assets | 0.0145% | 3,664 |
| Net operating income to assets | 0.3038% | 5,211 |
| Return on assets (ROA) | 0.3038% | 5,230 |
| Pretax return on assets | 0.2875% | 5,352 |
| Return on Equity (ROE) | 2.6000% | 5,218 |
| Retained earnings to average equity (ytd only) | 2.6000% | 4,142 |
| Net charge-offs to loans | 0.2236% | 911 |
| Credit loss provision to net charge-offs | 12.5000% | 2,832 |
| Earnings coverage of net charge-offs (x) | 2.6094% | 3,144 |
| Efficiency ratio | 91.2059% | 389 |
| Assets per employee ($millions) | 4.9202% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 5,454 |
| Loan loss allowance to noncurrent loans | 90.2235% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 2,697 |
| Noncurrent loans to loans | 0.6121% | 2,892 |
| Net loans and leases to total assets | 51.3949% | 4,619 |
| Net loans and leases to deposits | 59.3704% | 4,677 |
| Net loans and leases to core deposits | 63.3873% | 4,646 |
| Total domestic deposits to total assets | 86.5665% | 2,145 |
| Equity capital to assets | 11.7095% | 2,144 |
| Core capital (leverage) ratio | 11.7865% | 1,779 |
| Tier 1 risk-based capital ratio | 23.4172% | 904 |
| Total risk-based capital ratio | 23.9937% | 954 |
| Memoranda: | ||
| Average total assets | $110,598,670 | 4,122 |
| Average earning assets | $104,278,670 | 4,090 |
| Average equity | $12,923,000 | 4,047 |
| Average total loans | $57,256,330 | 4,329 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3781% | 4,980 |
| Cost of funding earning assets | 0.3067% | 3,975 |
| Net interest margin | 3.0713% | 4,730 |
| Noninterest income to average assets | 0.5196% | 2,840 |
| Noninterest expense to average assets | 3.4725% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0988% | 5,516 |
| Return on assets (ROA) | 0.0988% | 5,522 |
| Pretax return on assets | -0.0585% | 5,624 |
| Return on Equity (ROE) | 0.8465% | 5,521 |
| Retained earnings to average equity (ytd only) | 0.8465% | 4,708 |
| Net charge-offs to loans | 0.0636% | 1,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -1.7778% | 2,887 |
| Efficiency ratio | 101.7149% | 202 |
| Assets per employee ($millions) | 4.0302% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 5,403 |
| Loan loss allowance to noncurrent loans | 56.4220% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 2,696 |
| Noncurrent loans to loans | 1.1517% | 1,766 |
| Net loans and leases to total assets | 49.9965% | 4,669 |
| Net loans and leases to deposits | 57.8989% | 4,706 |
| Net loans and leases to core deposits | 61.8379% | 4,667 |
| Total domestic deposits to total assets | 86.3513% | 2,513 |
| Equity capital to assets | 11.3136% | 2,341 |
| Core capital (leverage) ratio | 11.4802% | 1,965 |
| Tier 1 risk-based capital ratio | 23.7436% | 891 |
| Total risk-based capital ratio | 24.4187% | 944 |
| Memoranda: | ||
| Average total assets | $109,315,500 | 4,180 |
| Average earning assets | $103,017,500 | 4,155 |
| Average equity | $12,759,000 | 4,095 |
| Average total loans | $56,642,500 | 4,383 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 5,076 |
| Cost of funding earning assets | 0.3067% | 3,994 |
| Net interest margin | 3.0444% | 4,863 |
| Noninterest income to average assets | 0.5714% | 2,807 |
| Noninterest expense to average assets | 3.1440% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3310% | 5,141 |
| Return on assets (ROA) | 0.3415% | 5,185 |
| Pretax return on assets | 0.2976% | 5,367 |
| Return on Equity (ROE) | 2.7643% | 5,223 |
| Retained earnings to average equity (ytd only) | 2.7643% | 3,933 |
| Net charge-offs to loans | 0.0987% | 2,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.7885% | 3,288 |
| Efficiency ratio | 90.5755% | 524 |
| Assets per employee ($millions) | 3.7780% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 5,414 |
| Loan loss allowance to noncurrent loans | 63.9594% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 2,825 |
| Noncurrent loans to loans | 1.0461% | 1,984 |
| Net loans and leases to total assets | 53.0501% | 4,521 |
| Net loans and leases to deposits | 64.1918% | 4,401 |
| Net loans and leases to core deposits | 69.1070% | 4,317 |
| Total domestic deposits to total assets | 82.6431% | 3,877 |
| Equity capital to assets | 12.0537% | 1,762 |
| Core capital (leverage) ratio | 12.1669% | 1,499 |
| Tier 1 risk-based capital ratio | 24.5871% | 807 |
| Total risk-based capital ratio | 25.3047% | 840 |
| Memoranda: | ||
| Average total assets | $104,833,800 | 4,264 |
| Average earning assets | $98,474,400 | 4,233 |
| Average equity | $12,950,800 | 4,096 |
| Average total loans | $52,660,000 | 4,503 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 5,228 |
| Cost of funding earning assets | 0.3094% | 3,988 |
| Net interest margin | 2.9811% | 5,051 |
| Noninterest income to average assets | 0.5698% | 2,817 |
| Noninterest expense to average assets | 3.1332% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2323% | 5,415 |
| Return on assets (ROA) | 0.2460% | 5,468 |
| Pretax return on assets | 0.2511% | 5,515 |
| Return on Equity (ROE) | 1.9793% | 5,477 |
| Retained earnings to average equity (ytd only) | 1.9793% | 4,695 |
| Net charge-offs to loans | 0.1418% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.3818% | 3,427 |
| Efficiency ratio | 92.9652% | 431 |
| Assets per employee ($millions) | 3.8167% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 5,469 |
| Loan loss allowance to noncurrent loans | 64.3225% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 3,149 |
| Noncurrent loans to loans | 1.0556% | 2,132 |
| Net loans and leases to total assets | 51.3292% | 4,707 |
| Net loans and leases to deposits | 62.7678% | 4,577 |
| Net loans and leases to core deposits | 67.3683% | 4,518 |
| Total domestic deposits to total assets | 81.7764% | 4,013 |
| Equity capital to assets | 12.2648% | 1,928 |
| Core capital (leverage) ratio | 11.8888% | 1,753 |
| Tier 1 risk-based capital ratio | 24.8547% | 829 |
| Total risk-based capital ratio | 25.5837% | 861 |
| Memoranda: | ||
| Average total assets | $104,596,000 | 4,309 |
| Average earning assets | $98,260,750 | 4,267 |
| Average equity | $13,000,750 | 4,121 |
| Average total loans | $51,700,750 | 4,563 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 5,327 |
| Cost of funding earning assets | 0.3135% | 3,981 |
| Net interest margin | 2.9651% | 5,142 |
| Noninterest income to average assets | 0.5027% | 3,171 |
| Noninterest expense to average assets | 3.1472% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1868% | 5,550 |
| Return on assets (ROA) | 0.1868% | 5,603 |
| Pretax return on assets | 0.1425% | 5,677 |
| Return on Equity (ROE) | 1.4963% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.4963% | 4,780 |
| Net charge-offs to loans | 0.1385% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.1143% | 3,322 |
| Efficiency ratio | 95.6674% | 358 |
| Assets per employee ($millions) | 3.8467% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 5,385 |
| Loan loss allowance to noncurrent loans | 59.3093% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 3,114 |
| Noncurrent loans to loans | 1.2753% | 1,783 |
| Net loans and leases to total assets | 48.1190% | 4,985 |
| Net loans and leases to deposits | 56.8639% | 4,957 |
| Net loans and leases to core deposits | 60.5757% | 4,956 |
| Total domestic deposits to total assets | 84.6214% | 3,037 |
| Equity capital to assets | 12.2331% | 1,953 |
| Core capital (leverage) ratio | 11.9485% | 1,662 |
| Tier 1 risk-based capital ratio | 25.3577% | 784 |
| Total risk-based capital ratio | 26.1471% | 802 |
| Memoranda: | ||
| Average total assets | $103,839,000 | 4,354 |
| Average earning assets | $97,601,670 | 4,312 |
| Average equity | $12,965,330 | 4,152 |
| Average total loans | $50,524,670 | 4,626 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 5,289 |
| Cost of funding earning assets | 0.3258% | 3,890 |
| Net interest margin | 2.9909% | 5,142 |
| Noninterest income to average assets | 0.5103% | 3,050 |
| Noninterest expense to average assets | 3.1049% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1688% | 5,588 |
| Return on assets (ROA) | 0.1688% | 5,645 |
| Pretax return on assets | 0.2159% | 5,622 |
| Return on Equity (ROE) | 1.3375% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.3375% | 4,724 |
| Net charge-offs to loans | 0.3060% | 706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.4474% | 2,818 |
| Efficiency ratio | 93.4988% | 477 |
| Assets per employee ($millions) | 3.8748% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 5,381 |
| Loan loss allowance to noncurrent loans | 59.3041% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 3,000 |
| Noncurrent loans to loans | 1.3363% | 1,784 |
| Net loans and leases to total assets | 46.9064% | 5,055 |
| Net loans and leases to deposits | 55.4259% | 5,018 |
| Net loans and leases to core deposits | 58.9940% | 5,000 |
| Total domestic deposits to total assets | 84.6290% | 3,267 |
| Equity capital to assets | 12.3171% | 1,816 |
| Core capital (leverage) ratio | 12.0435% | 1,579 |
| Tier 1 risk-based capital ratio | 27.5621% | 638 |
| Total risk-based capital ratio | 28.4172% | 645 |
| Memoranda: | ||
| Average total assets | $101,904,500 | 4,430 |
| Average earning assets | $95,758,500 | 4,386 |
| Average equity | $12,860,000 | 4,183 |
| Average total loans | $49,675,500 | 4,683 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 5,183 |
| Cost of funding earning assets | 0.3103% | 4,141 |
| Net interest margin | 3.0799% | 4,951 |
| Noninterest income to average assets | 0.5643% | 2,936 |
| Noninterest expense to average assets | 2.8818% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4383% | 4,924 |
| Return on assets (ROA) | 0.4383% | 5,006 |
| Pretax return on assets | 0.5959% | 4,850 |
| Return on Equity (ROE) | 3.5292% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.5292% | 3,549 |
| Net charge-offs to loans | 0.0498% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,688 |
| Efficiency ratio | 82.8660% | 1,286 |
| Assets per employee ($millions) | 3.8150% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 5,230 |
| Loan loss allowance to noncurrent loans | 90.1468% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 3,657 |
| Noncurrent loans to loans | 0.9562% | 2,420 |
| Net loans and leases to total assets | 49.8599% | 4,884 |
| Net loans and leases to deposits | 60.7150% | 4,722 |
| Net loans and leases to core deposits | 65.8483% | 4,607 |
| Total domestic deposits to total assets | 82.1212% | 4,141 |
| Equity capital to assets | 12.9388% | 1,383 |
| Core capital (leverage) ratio | 12.5654% | 1,316 |
| Tier 1 risk-based capital ratio | 27.3305% | 638 |
| Total risk-based capital ratio | 28.2638% | 647 |
| Memoranda: | ||
| Average total assets | $101,533,000 | 4,434 |
| Average earning assets | $96,042,800 | 4,391 |
| Average equity | $12,609,200 | 4,206 |
| Average total loans | $50,154,000 | 4,664 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 5,263 |
| Cost of funding earning assets | 0.3049% | 4,280 |
| Net interest margin | 3.0698% | 5,035 |
| Noninterest income to average assets | 0.5588% | 2,993 |
| Noninterest expense to average assets | 2.9220% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3564% | 5,297 |
| Return on assets (ROA) | 0.3564% | 5,385 |
| Pretax return on assets | 0.5418% | 5,123 |
| Return on Equity (ROE) | 2.8996% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.8996% | 4,384 |
| Net charge-offs to loans | 0.0690% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.9596% | 2,149 |
| Efficiency ratio | 84.3573% | 1,135 |
| Assets per employee ($millions) | 4.0108% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 5,355 |
| Loan loss allowance to noncurrent loans | 45.1579% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 2,488 |
| Noncurrent loans to loans | 1.8893% | 1,228 |
| Net loans and leases to total assets | 49.7203% | 4,951 |
| Net loans and leases to deposits | 60.4479% | 4,824 |
| Net loans and leases to core deposits | 65.2339% | 4,745 |
| Total domestic deposits to total assets | 82.2531% | 4,084 |
| Equity capital to assets | 12.5799% | 1,699 |
| Core capital (leverage) ratio | 12.2809% | 1,527 |
| Tier 1 risk-based capital ratio | 27.1912% | 673 |
| Total risk-based capital ratio | 28.1292% | 674 |
| Memoranda: | ||
| Average total assets | $102,118,750 | 4,466 |
| Average earning assets | $96,638,750 | 4,423 |
| Average equity | $12,553,000 | 4,258 |
| Average total loans | $50,221,000 | 4,705 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3379% | 5,366 |
| Cost of funding earning assets | 0.3042% | 4,356 |
| Net interest margin | 3.0337% | 5,139 |
| Noninterest income to average assets | 0.5101% | 3,306 |
| Noninterest expense to average assets | 2.9201% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3115% | 5,409 |
| Return on assets (ROA) | 0.3115% | 5,503 |
| Pretax return on assets | 0.4633% | 5,318 |
| Return on Equity (ROE) | 2.5533% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.5533% | 4,432 |
| Net charge-offs to loans | 0.1036% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.1538% | 2,485 |
| Efficiency ratio | 86.3061% | 1,037 |
| Assets per employee ($millions) | 4.1232% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 5,442 |
| Loan loss allowance to noncurrent loans | 48.1481% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 2,823 |
| Noncurrent loans to loans | 1.7831% | 1,437 |
| Net loans and leases to total assets | 48.0607% | 5,101 |
| Net loans and leases to deposits | 55.1774% | 5,179 |
| Net loans and leases to core deposits | 58.7264% | 5,147 |
| Total domestic deposits to total assets | 87.1023% | 2,109 |
| Equity capital to assets | 12.0984% | 1,949 |
| Core capital (leverage) ratio | 11.8691% | 1,734 |
| Tier 1 risk-based capital ratio | 28.0174% | 635 |
| Total risk-based capital ratio | 28.9927% | 651 |
| Memoranda: | ||
| Average total assets | $102,734,670 | 4,500 |
| Average earning assets | $97,305,330 | 4,436 |
| Average equity | $12,532,670 | 4,284 |
| Average total loans | $50,200,000 | 4,743 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3883% | 5,229 |
| Cost of funding earning assets | 0.3084% | 4,345 |
| Net interest margin | 3.0799% | 5,006 |
| Noninterest income to average assets | 0.5031% | 3,264 |
| Noninterest expense to average assets | 2.9251% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3315% | 5,304 |
| Return on assets (ROA) | 0.3315% | 5,413 |
| Pretax return on assets | 0.4992% | 5,181 |
| Return on Equity (ROE) | 2.7063% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.7063% | 4,325 |
| Net charge-offs to loans | -0.2703% | 6,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4214% | 1,230 |
| Assets per employee ($millions) | 4.2582% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 5,167 |
| Loan loss allowance to noncurrent loans | 83.8765% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 3,729 |
| Noncurrent loans to loans | 1.1573% | 2,454 |
| Net loans and leases to total assets | 46.8625% | 5,130 |
| Net loans and leases to deposits | 54.4220% | 5,162 |
| Net loans and leases to core deposits | 57.5823% | 5,149 |
| Total domestic deposits to total assets | 86.1095% | 2,879 |
| Equity capital to assets | 11.9047% | 2,100 |
| Core capital (leverage) ratio | 11.7098% | 1,846 |
| Tier 1 risk-based capital ratio | 27.2804% | 693 |
| Total risk-based capital ratio | 28.3694% | 682 |
| Memoranda: | ||
| Average total assets | $102,562,000 | 4,541 |
| Average earning assets | $97,276,000 | 4,476 |
| Average equity | $12,563,500 | 4,313 |
| Average total loans | $50,315,000 | 4,775 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 5,458 |
| Cost of funding earning assets | 0.3532% | 4,220 |
| Net interest margin | 3.0802% | 5,252 |
| Noninterest income to average assets | 0.4507% | 3,823 |
| Noninterest expense to average assets | 2.8600% | 3,265 |
| Loan and lease loss provision to assets | 0.0990% | 2,504 |
| Net operating income to assets | 0.3200% | 5,467 |
| Return on assets (ROA) | 0.3200% | 5,539 |
| Pretax return on assets | 0.4171% | 5,442 |
| Return on Equity (ROE) | 2.7547% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.7547% | 4,280 |
| Net charge-offs to loans | 0.2024% | 2,045 |
| Credit loss provision to net charge-offs | 100.9804% | 2,366 |
| Earnings coverage of net charge-offs (x) | 5.2647% | 3,469 |
| Efficiency ratio | 84.7139% | 1,318 |
| Assets per employee ($millions) | 3.9468% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,462 |
| Loan loss allowance to noncurrent loans | 63.0194% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 3,219 |
| Noncurrent loans to loans | 1.4367% | 2,048 |
| Net loans and leases to total assets | 50.4703% | 4,923 |
| Net loans and leases to deposits | 61.2685% | 4,786 |
| Net loans and leases to core deposits | 65.3093% | 4,722 |
| Total domestic deposits to total assets | 82.3756% | 4,283 |
| Equity capital to assets | 12.6219% | 1,579 |
| Core capital (leverage) ratio | 11.8172% | 1,753 |
| Tier 1 risk-based capital ratio | 27.1140% | 677 |
| Total risk-based capital ratio | 28.1288% | 674 |
| Memoranda: | ||
| Average total assets | $104,054,600 | 4,501 |
| Average earning assets | $98,823,800 | 4,428 |
| Average equity | $12,088,600 | 4,343 |
| Average total loans | $50,400,200 | 4,806 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 5,641 |
| Cost of funding earning assets | 0.3502% | 4,342 |
| Net interest margin | 3.0183% | 5,466 |
| Noninterest income to average assets | 0.4339% | 3,993 |
| Noninterest expense to average assets | 2.7260% | 3,727 |
| Loan and lease loss provision to assets | 0.0885% | 2,585 |
| Net operating income to assets | 0.3289% | 5,499 |
| Return on assets (ROA) | 0.3289% | 5,565 |
| Pretax return on assets | 0.4870% | 5,358 |
| Return on Equity (ROE) | 2.8895% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.8895% | 4,543 |
| Net charge-offs to loans | 0.1745% | 2,055 |
| Credit loss provision to net charge-offs | 106.0606% | 2,095 |
| Earnings coverage of net charge-offs (x) | 6.8938% | 3,005 |
| Efficiency ratio | 82.5670% | 1,542 |
| Assets per employee ($millions) | 4.1370% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 5,586 |
| Loan loss allowance to noncurrent loans | 68.5629% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 3,901 |
| Noncurrent loans to loans | 1.3206% | 2,438 |
| Net loans and leases to total assets | 48.4641% | 5,156 |
| Net loans and leases to deposits | 57.6105% | 5,128 |
| Net loans and leases to core deposits | 61.2000% | 5,101 |
| Total domestic deposits to total assets | 84.1238% | 3,712 |
| Equity capital to assets | 11.8598% | 2,186 |
| Core capital (leverage) ratio | 11.6061% | 1,977 |
| Tier 1 risk-based capital ratio | 26.7087% | 727 |
| Total risk-based capital ratio | 27.7210% | 733 |
| Memoranda: | ||
| Average total assets | $105,400,750 | 4,511 |
| Average earning assets | $100,142,250 | 4,431 |
| Average equity | $11,997,250 | 4,386 |
| Average total loans | $50,436,750 | 4,850 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 5,710 |
| Cost of funding earning assets | 0.3512% | 4,425 |
| Net interest margin | 3.0017% | 5,518 |
| Noninterest income to average assets | 0.4205% | 4,094 |
| Noninterest expense to average assets | 2.7324% | 3,751 |
| Loan and lease loss provision to assets | 0.0867% | 2,578 |
| Net operating income to assets | 0.3093% | 5,536 |
| Return on assets (ROA) | 0.3093% | 5,608 |
| Pretax return on assets | 0.4545% | 5,406 |
| Return on Equity (ROE) | 2.7545% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.7545% | 4,447 |
| Net charge-offs to loans | 0.0238% | 3,724 |
| Credit loss provision to net charge-offs | 766.6667% | 416 |
| Earnings coverage of net charge-offs (x) | 47.8333% | 937 |
| Efficiency ratio | 83.4677% | 1,575 |
| Assets per employee ($millions) | 4.5363% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 5,436 |
| Loan loss allowance to noncurrent loans | 57.7103% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 3,604 |
| Noncurrent loans to loans | 1.6965% | 2,045 |
| Net loans and leases to total assets | 45.8933% | 5,367 |
| Net loans and leases to deposits | 52.1746% | 5,488 |
| Net loans and leases to core deposits | 55.2308% | 5,462 |
| Total domestic deposits to total assets | 87.9609% | 1,923 |
| Equity capital to assets | 11.1325% | 2,751 |
| Core capital (leverage) ratio | 11.0413% | 2,382 |
| Tier 1 risk-based capital ratio | 25.9554% | 780 |
| Total risk-based capital ratio | 27.0251% | 780 |
| Memoranda: | ||
| Average total assets | $106,059,330 | 4,533 |
| Average earning assets | $100,810,330 | 4,450 |
| Average equity | $11,907,670 | 4,415 |
| Average total loans | $50,388,330 | 4,885 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2790% | 5,884 |
| Cost of funding earning assets | 0.3576% | 4,464 |
| Net interest margin | 2.9214% | 5,708 |
| Noninterest income to average assets | 0.4510% | 3,783 |
| Noninterest expense to average assets | 2.8628% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2599% | 5,629 |
| Return on assets (ROA) | 0.2599% | 5,669 |
| Pretax return on assets | 0.3669% | 5,550 |
| Return on Equity (ROE) | 2.3048% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.3048% | 4,682 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6391% | 1,163 |
| Assets per employee ($millions) | 4.3197% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 5,869 |
| Loan loss allowance to noncurrent loans | 60.6142% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 4,029 |
| Noncurrent loans to loans | 1.4830% | 2,565 |
| Net loans and leases to total assets | 46.3488% | 5,298 |
| Net loans and leases to deposits | 52.5281% | 5,424 |
| Net loans and leases to core deposits | 56.0422% | 5,349 |
| Total domestic deposits to total assets | 88.2362% | 2,090 |
| Equity capital to assets | 11.0045% | 2,706 |
| Core capital (leverage) ratio | 11.0175% | 2,370 |
| Tier 1 risk-based capital ratio | 25.8382% | 801 |
| Total risk-based capital ratio | 26.8247% | 807 |
| Memoranda: | ||
| Average total assets | $104,654,000 | 4,614 |
| Average earning assets | $99,542,000 | 4,523 |
| Average equity | $11,801,500 | 4,447 |
| Average total loans | $50,353,500 | 4,918 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 5,734 |
| Cost of funding earning assets | 0.4217% | 4,415 |
| Net interest margin | 3.0262% | 5,518 |
| Noninterest income to average assets | 0.5062% | 3,715 |
| Noninterest expense to average assets | 2.8466% | 3,544 |
| Loan and lease loss provision to assets | 0.0539% | 4,064 |
| Net operating income to assets | 0.3772% | 5,233 |
| Return on assets (ROA) | 0.3772% | 5,349 |
| Pretax return on assets | 0.4783% | 5,264 |
| Return on Equity (ROE) | 3.3082% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.3082% | 3,880 |
| Net charge-offs to loans | 0.0808% | 4,087 |
| Credit loss provision to net charge-offs | 147.3684% | 1,574 |
| Earnings coverage of net charge-offs (x) | 14.5526% | 1,933 |
| Efficiency ratio | 84.2495% | 1,600 |
| Assets per employee ($millions) | 4.2215% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 5,910 |
| Loan loss allowance to noncurrent loans | 73.1079% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 4,057 |
| Noncurrent loans to loans | 1.2371% | 3,068 |
| Net loans and leases to total assets | 49.0998% | 5,182 |
| Net loans and leases to deposits | 59.2292% | 5,012 |
| Net loans and leases to core deposits | 63.7647% | 4,889 |
| Total domestic deposits to total assets | 82.8981% | 4,577 |
| Equity capital to assets | 11.5668% | 2,119 |
| Core capital (leverage) ratio | 11.7238% | 1,809 |
| Tier 1 risk-based capital ratio | 25.6448% | 799 |
| Total risk-based capital ratio | 26.6295% | 809 |
| Memoranda: | ||
| Average total assets | $103,912,600 | 4,651 |
| Average earning assets | $98,639,200 | 4,547 |
| Average equity | $11,849,400 | 4,468 |
| Average total loans | $47,049,600 | 5,065 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4181% | 5,846 |
| Cost of funding earning assets | 0.4326% | 4,479 |
| Net interest margin | 2.9855% | 5,629 |
| Noninterest income to average assets | 0.4718% | 3,990 |
| Noninterest expense to average assets | 2.8078% | 3,634 |
| Loan and lease loss provision to assets | 0.0701% | 3,659 |
| Net operating income to assets | 0.3124% | 5,575 |
| Return on assets (ROA) | 0.3124% | 5,687 |
| Pretax return on assets | 0.4272% | 5,561 |
| Return on Equity (ROE) | 2.7492% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.7492% | 4,675 |
| Net charge-offs to loans | 0.0663% | 3,969 |
| Credit loss provision to net charge-offs | 239.1304% | 1,023 |
| Earnings coverage of net charge-offs (x) | 16.9544% | 1,763 |
| Efficiency ratio | 84.9537% | 1,480 |
| Assets per employee ($millions) | 3.9814% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 5,970 |
| Loan loss allowance to noncurrent loans | 69.9552% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 4,146 |
| Noncurrent loans to loans | 1.3317% | 3,195 |
| Net loans and leases to total assets | 48.0771% | 5,337 |
| Net loans and leases to deposits | 59.8396% | 4,991 |
| Net loans and leases to core deposits | 64.2748% | 4,874 |
| Total domestic deposits to total assets | 80.3433% | 5,413 |
| Equity capital to assets | 11.1817% | 2,584 |
| Core capital (leverage) ratio | 11.1146% | 2,371 |
| Tier 1 risk-based capital ratio | 25.3611% | 848 |
| Total risk-based capital ratio | 26.3775% | 853 |
| Memoranda: | ||
| Average total assets | $104,561,750 | 4,678 |
| Average earning assets | $99,233,750 | 4,578 |
| Average equity | $11,882,000 | 4,519 |
| Average total loans | $46,262,000 | 5,149 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 5,872 |
| Cost of funding earning assets | 0.4419% | 4,521 |
| Net interest margin | 2.9728% | 5,636 |
| Noninterest income to average assets | 0.4919% | 3,889 |
| Noninterest expense to average assets | 2.7986% | 3,684 |
| Loan and lease loss provision to assets | 0.0705% | 3,627 |
| Net operating income to assets | 0.3241% | 5,503 |
| Return on assets (ROA) | 0.3241% | 5,661 |
| Pretax return on assets | 0.4442% | 5,535 |
| Return on Equity (ROE) | 2.8370% | 5,686 |
| Retained earnings to average equity (ytd only) | 2.8370% | 4,508 |
| Net charge-offs to loans | 0.0757% | 3,633 |
| Credit loss provision to net charge-offs | 217.6471% | 1,113 |
| Earnings coverage of net charge-offs (x) | 15.8824% | 1,702 |
| Efficiency ratio | 84.4649% | 1,584 |
| Assets per employee ($millions) | 4.3158% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 5,946 |
| Loan loss allowance to noncurrent loans | 73.1942% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 4,375 |
| Noncurrent loans to loans | 1.3189% | 3,349 |
| Net loans and leases to total assets | 43.3588% | 5,795 |
| Net loans and leases to deposits | 51.2685% | 5,751 |
| Net loans and leases to core deposits | 54.3901% | 5,723 |
| Total domestic deposits to total assets | 84.5720% | 4,099 |
| Equity capital to assets | 10.8939% | 2,855 |
| Core capital (leverage) ratio | 10.6789% | 2,689 |
| Tier 1 risk-based capital ratio | 25.4230% | 830 |
| Total risk-based capital ratio | 26.4224% | 842 |
| Memoranda: | ||
| Average total assets | $104,910,000 | 4,706 |
| Average earning assets | $99,570,330 | 4,596 |
| Average equity | $11,984,330 | 4,543 |
| Average total loans | $44,937,330 | 5,227 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 5,862 |
| Cost of funding earning assets | 0.4644% | 4,436 |
| Net interest margin | 2.9736% | 5,641 |
| Noninterest income to average assets | 0.5415% | 3,491 |
| Noninterest expense to average assets | 2.7810% | 3,761 |
| Loan and lease loss provision to assets | 0.1044% | 2,941 |
| Net operating income to assets | 0.3442% | 5,382 |
| Return on assets (ROA) | 0.3442% | 5,528 |
| Pretax return on assets | 0.4796% | 5,324 |
| Return on Equity (ROE) | 2.9423% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.9423% | 4,518 |
| Net charge-offs to loans | 0.1827% | 2,306 |
| Credit loss provision to net charge-offs | 135.0000% | 1,470 |
| Earnings coverage of net charge-offs (x) | 7.5500% | 2,051 |
| Efficiency ratio | 82.6437% | 1,939 |
| Assets per employee ($millions) | 4.3922% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 5,979 |
| Loan loss allowance to noncurrent loans | 73.9566% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 5,028 |
| Noncurrent loans to loans | 1.3541% | 3,537 |
| Net loans and leases to total assets | 39.8838% | 6,008 |
| Net loans and leases to deposits | 45.4549% | 6,089 |
| Net loans and leases to core deposits | 48.0672% | 6,093 |
| Total domestic deposits to total assets | 87.7436% | 2,494 |
| Equity capital to assets | 11.0051% | 2,953 |
| Core capital (leverage) ratio | 10.6407% | 2,603 |
| Tier 1 risk-based capital ratio | 26.1221% | 772 |
| Total risk-based capital ratio | 27.1268% | 787 |
| Memoranda: | ||
| Average total assets | $103,417,500 | 4,781 |
| Average earning assets | $98,197,000 | 4,681 |
| Average equity | $12,099,500 | 4,553 |
| Average total loans | $43,787,000 | 5,308 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 5,525 |
| Cost of funding earning assets | 0.6110% | 4,238 |
| Net interest margin | 3.3066% | 5,225 |
| Noninterest income to average assets | 0.6979% | 2,740 |
| Noninterest expense to average assets | 2.7368% | 4,265 |
| Loan and lease loss provision to assets | 0.2366% | 2,771 |
| Net operating income to assets | 0.5411% | 4,513 |
| Return on assets (ROA) | 0.6541% | 4,233 |
| Pretax return on assets | 1.0081% | 3,523 |
| Return on Equity (ROE) | 5.5664% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.5664% | 2,339 |
| Net charge-offs to loans | 0.5423% | 2,103 |
| Credit loss provision to net charge-offs | 104.8458% | 2,845 |
| Earnings coverage of net charge-offs (x) | 4.7445% | 3,271 |
| Efficiency ratio | 71.8799% | 3,433 |
| Assets per employee ($millions) | 3.8812% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 5,938 |
| Loan loss allowance to noncurrent loans | 58.8394% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 4,557 |
| Noncurrent loans to loans | 1.7099% | 3,050 |
| Net loans and leases to total assets | 44.2137% | 5,796 |
| Net loans and leases to deposits | 51.3502% | 5,863 |
| Net loans and leases to core deposits | 54.7836% | 5,816 |
| Total domestic deposits to total assets | 86.1024% | 3,299 |
| Equity capital to assets | 12.4857% | 1,723 |
| Core capital (leverage) ratio | 11.7695% | 1,690 |
| Tier 1 risk-based capital ratio | 27.8031% | 637 |
| Total risk-based capital ratio | 28.8637% | 637 |
| Memoranda: | ||
| Average total assets | $100,590,200 | 4,820 |
| Average earning assets | $94,599,400 | 4,744 |
| Average equity | $11,821,000 | 4,605 |
| Average total loans | $41,859,000 | 5,425 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 5,675 |
| Cost of funding earning assets | 0.6326% | 4,339 |
| Net interest margin | 3.3100% | 5,355 |
| Noninterest income to average assets | 0.6701% | 2,872 |
| Noninterest expense to average assets | 2.6947% | 4,390 |
| Loan and lease loss provision to assets | 0.2076% | 2,999 |
| Net operating income to assets | 0.5735% | 4,504 |
| Return on assets (ROA) | 0.7252% | 4,048 |
| Pretax return on assets | 1.1049% | 3,338 |
| Return on Equity (ROE) | 6.2650% | 4,192 |
| Retained earnings to average equity (ytd only) | 6.2650% | 2,513 |
| Net charge-offs to loans | 0.4113% | 2,452 |
| Credit loss provision to net charge-offs | 123.4375% | 2,343 |
| Earnings coverage of net charge-offs (x) | 6.4376% | 2,791 |
| Efficiency ratio | 71.3391% | 3,442 |
| Assets per employee ($millions) | 3.9463% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,641 |
| Loan loss allowance to noncurrent loans | 82.4441% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 5,197 |
| Noncurrent loans to loans | 1.3574% | 3,753 |
| Net loans and leases to total assets | 42.8977% | 6,046 |
| Net loans and leases to deposits | 50.9977% | 6,039 |
| Net loans and leases to core deposits | 55.3656% | 5,937 |
| Total domestic deposits to total assets | 84.1168% | 4,162 |
| Equity capital to assets | 12.2159% | 2,102 |
| Core capital (leverage) ratio | 11.3300% | 2,113 |
| Tier 1 risk-based capital ratio | 27.2386% | 725 |
| Total risk-based capital ratio | 28.3910% | 713 |
| Memoranda: | ||
| Average total assets | $101,480,000 | 4,843 |
| Average earning assets | $95,263,000 | 4,759 |
| Average equity | $11,747,500 | 4,666 |
| Average total loans | $41,489,500 | 5,500 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 5,699 |
| Cost of funding earning assets | 0.6513% | 4,429 |
| Net interest margin | 3.3314% | 5,343 |
| Noninterest income to average assets | 0.6600% | 2,894 |
| Noninterest expense to average assets | 2.6831% | 4,486 |
| Loan and lease loss provision to assets | 0.1621% | 3,488 |
| Net operating income to assets | 0.6327% | 4,209 |
| Return on assets (ROA) | 0.6327% | 4,456 |
| Pretax return on assets | 0.9412% | 3,920 |
| Return on Equity (ROE) | 5.5641% | 4,548 |
| Retained earnings to average equity (ytd only) | 5.5641% | 2,948 |
| Net charge-offs to loans | 0.3946% | 2,442 |
| Credit loss provision to net charge-offs | 102.4691% | 2,655 |
| Earnings coverage of net charge-offs (x) | 6.9753% | 2,544 |
| Efficiency ratio | 70.8613% | 3,624 |
| Assets per employee ($millions) | 4.1812% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,807 |
| Loan loss allowance to noncurrent loans | 59.0314% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 4,967 |
| Noncurrent loans to loans | 1.8518% | 3,146 |
| Net loans and leases to total assets | 39.0386% | 6,402 |
| Net loans and leases to deposits | 45.2526% | 6,491 |
| Net loans and leases to core deposits | 50.2735% | 6,328 |
| Total domestic deposits to total assets | 86.2681% | 3,213 |
| Equity capital to assets | 11.3852% | 2,705 |
| Core capital (leverage) ratio | 10.4732% | 2,833 |
| Tier 1 risk-based capital ratio | 26.3804% | 774 |
| Total risk-based capital ratio | 27.4528% | 779 |
| Memoranda: | ||
| Average total assets | $102,420,670 | 4,848 |
| Average earning assets | $96,116,330 | 4,762 |
| Average equity | $11,646,000 | 4,685 |
| Average total loans | $41,052,330 | 5,550 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 5,643 |
| Cost of funding earning assets | 0.6883% | 4,382 |
| Net interest margin | 3.3484% | 5,308 |
| Noninterest income to average assets | 0.6906% | 2,708 |
| Noninterest expense to average assets | 2.7425% | 4,277 |
| Loan and lease loss provision to assets | 0.1302% | 3,719 |
| Net operating income to assets | 0.6353% | 4,196 |
| Return on assets (ROA) | 0.6353% | 4,407 |
| Pretax return on assets | 0.9471% | 3,878 |
| Return on Equity (ROE) | 5.5910% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.5910% | 3,211 |
| Net charge-offs to loans | 0.6447% | 1,514 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 4.1364% | 2,654 |
| Efficiency ratio | 71.7975% | 3,480 |
| Assets per employee ($millions) | 4.4674% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 6,179 |
| Loan loss allowance to noncurrent loans | 53.7468% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 5,105 |
| Noncurrent loans to loans | 1.8950% | 3,291 |
| Net loans and leases to total assets | 37.7073% | 6,510 |
| Net loans and leases to deposits | 43.2984% | 6,595 |
| Net loans and leases to core deposits | 47.6437% | 6,475 |
| Total domestic deposits to total assets | 87.0871% | 2,909 |
| Equity capital to assets | 10.7874% | 3,164 |
| Core capital (leverage) ratio | 10.3085% | 2,984 |
| Tier 1 risk-based capital ratio | 25.8679% | 815 |
| Total risk-based capital ratio | 26.8524% | 824 |
| Memoranda: | ||
| Average total assets | $101,366,000 | 4,906 |
| Average earning assets | $94,730,500 | 4,827 |
| Average equity | $11,518,500 | 4,723 |
| Average total loans | $40,949,500 | 5,602 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 5,359 |
| Cost of funding earning assets | 0.8956% | 4,153 |
| Net interest margin | 3.5206% | 5,068 |
| Noninterest income to average assets | 0.6173% | 3,076 |
| Noninterest expense to average assets | 2.7300% | 4,621 |
| Loan and lease loss provision to assets | 0.1715% | 4,490 |
| Net operating income to assets | 0.6765% | 3,596 |
| Return on assets (ROA) | 0.6765% | 3,793 |
| Pretax return on assets | 0.9758% | 3,333 |
| Return on Equity (ROE) | 5.9282% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.9282% | 2,058 |
| Net charge-offs to loans | 0.1277% | 5,117 |
| Credit loss provision to net charge-offs | 323.5294% | 719 |
| Earnings coverage of net charge-offs (x) | 21.6471% | 1,082 |
| Efficiency ratio | 70.4101% | 3,863 |
| Assets per employee ($millions) | 3.9798% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,836 |
| Loan loss allowance to noncurrent loans | 40.4869% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 2.1232% | 2,823 |
| Noncurrent loans to loans | 2.7013% | 2,402 |
| Net loans and leases to total assets | 42.5121% | 6,335 |
| Net loans and leases to deposits | 50.8217% | 6,304 |
| Net loans and leases to core deposits | 57.1218% | 6,067 |
| Total domestic deposits to total assets | 83.6495% | 4,473 |
| Equity capital to assets | 12.0098% | 2,120 |
| Core capital (leverage) ratio | 11.1862% | 2,129 |
| Tier 1 risk-based capital ratio | 25.2065% | 852 |
| Total risk-based capital ratio | 26.2574% | 862 |
| Memoranda: | ||
| Average total assets | $96,228,800 | 5,003 |
| Average earning assets | $89,105,000 | 4,959 |
| Average equity | $10,981,400 | 4,782 |
| Average total loans | $39,941,800 | 5,696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 5,578 |
| Cost of funding earning assets | 0.9348% | 4,163 |
| Net interest margin | 3.4748% | 5,296 |
| Noninterest income to average assets | 0.5739% | 3,346 |
| Noninterest expense to average assets | 2.7217% | 4,647 |
| Loan and lease loss provision to assets | 0.1037% | 5,148 |
| Net operating income to assets | 0.6445% | 3,904 |
| Return on assets (ROA) | 0.6445% | 4,082 |
| Pretax return on assets | 0.9667% | 3,529 |
| Return on Equity (ROE) | 5.7217% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.7217% | 2,729 |
| Net charge-offs to loans | 0.1546% | 4,532 |
| Credit loss provision to net charge-offs | 163.0435% | 1,882 |
| Earnings coverage of net charge-offs (x) | 16.8265% | 1,377 |
| Efficiency ratio | 71.7724% | 3,599 |
| Assets per employee ($millions) | 4.0335% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 6,655 |
| Loan loss allowance to noncurrent loans | 70.8171% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 5,668 |
| Noncurrent loans to loans | 1.2446% | 4,460 |
| Net loans and leases to total assets | 42.2865% | 6,483 |
| Net loans and leases to deposits | 51.7680% | 6,384 |
| Net loans and leases to core deposits | 57.4478% | 6,174 |
| Total domestic deposits to total assets | 81.6846% | 5,200 |
| Equity capital to assets | 11.7134% | 2,481 |
| Core capital (leverage) ratio | 11.0010% | 2,389 |
| Tier 1 risk-based capital ratio | 23.9871% | 1,012 |
| Total risk-based capital ratio | 24.8119% | 1,046 |
| Memoranda: | ||
| Average total assets | $96,407,500 | 5,022 |
| Average earning assets | $89,287,500 | 4,977 |
| Average equity | $10,859,000 | 4,838 |
| Average total loans | $39,663,750 | 5,761 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 5,603 |
| Cost of funding earning assets | 0.9837% | 4,059 |
| Net interest margin | 3.4420% | 5,399 |
| Noninterest income to average assets | 0.5214% | 3,694 |
| Noninterest expense to average assets | 2.6860% | 4,874 |
| Loan and lease loss provision to assets | 0.0686% | 5,446 |
| Net operating income to assets | 0.6398% | 3,856 |
| Return on assets (ROA) | 0.6398% | 3,979 |
| Pretax return on assets | 0.9577% | 3,398 |
| Return on Equity (ROE) | 5.7575% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.7575% | 2,564 |
| Net charge-offs to loans | 0.0205% | 5,554 |
| Credit loss provision to net charge-offs | 825.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 284 |
| Efficiency ratio | 72.3559% | 3,662 |
| Assets per employee ($millions) | 4.0952% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 6,637 |
| Loan loss allowance to noncurrent loans | 59.1870% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 5,672 |
| Noncurrent loans to loans | 1.5321% | 4,117 |
| Net loans and leases to total assets | 40.4705% | 6,707 |
| Net loans and leases to deposits | 50.4164% | 6,570 |
| Net loans and leases to core deposits | 54.7457% | 6,511 |
| Total domestic deposits to total assets | 80.2725% | 5,749 |
| Equity capital to assets | 11.1554% | 2,808 |
| Core capital (leverage) ratio | 10.6239% | 2,595 |
| Tier 1 risk-based capital ratio | 24.1988% | 983 |
| Total risk-based capital ratio | 25.0435% | 1,015 |
| Memoranda: | ||
| Average total assets | $96,275,330 | 5,066 |
| Average earning assets | $89,251,000 | 5,017 |
| Average equity | $10,699,000 | 4,872 |
| Average total loans | $39,118,670 | 5,838 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 5,743 |
| Cost of funding earning assets | 1.0566% | 3,805 |
| Net interest margin | 3.3284% | 5,683 |
| Noninterest income to average assets | 0.5206% | 3,724 |
| Noninterest expense to average assets | 2.7081% | 4,807 |
| Loan and lease loss provision to assets | 0.0546% | 5,323 |
| Net operating income to assets | 0.5752% | 4,154 |
| Return on assets (ROA) | 0.5752% | 4,230 |
| Pretax return on assets | 0.8397% | 3,745 |
| Return on Equity (ROE) | 5.1862% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.1862% | 3,066 |
| Net charge-offs to loans | 0.0414% | 4,534 |
| Credit loss provision to net charge-offs | 325.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 551 |
| Efficiency ratio | 75.1748% | 3,307 |
| Assets per employee ($millions) | 4.1611% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 6,722 |
| Loan loss allowance to noncurrent loans | 55.2167% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 5,664 |
| Noncurrent loans to loans | 1.6131% | 4,059 |
| Net loans and leases to total assets | 38.3280% | 6,883 |
| Net loans and leases to deposits | 43.8539% | 6,961 |
| Net loans and leases to core deposits | 47.5520% | 6,900 |
| Total domestic deposits to total assets | 87.3992% | 2,712 |
| Equity capital to assets | 10.6021% | 3,078 |
| Core capital (leverage) ratio | 10.1022% | 3,032 |
| Tier 1 risk-based capital ratio | 22.2203% | 1,191 |
| Total risk-based capital ratio | 22.9656% | 1,247 |
| Memoranda: | ||
| Average total assets | $95,271,000 | 5,127 |
| Average earning assets | $88,211,000 | 5,085 |
| Average equity | $10,566,500 | 4,903 |
| Average total loans | $38,608,000 | 5,911 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 6,102 |
| Cost of funding earning assets | 1.3490% | 3,583 |
| Net interest margin | 3.2549% | 6,115 |
| Noninterest income to average assets | 0.8480% | 2,065 |
| Noninterest expense to average assets | 2.8929% | 4,255 |
| Loan and lease loss provision to assets | 0.0437% | 6,724 |
| Net operating income to assets | 0.6528% | 3,426 |
| Return on assets (ROA) | 0.6528% | 3,571 |
| Pretax return on assets | 0.9227% | 3,185 |
| Return on Equity (ROE) | 5.9215% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.9215% | 1,863 |
| Net charge-offs to loans | 0.0308% | 6,496 |
| Credit loss provision to net charge-offs | 341.6667% | 750 |
| Earnings coverage of net charge-offs (x) | 75.5000% | 321 |
| Efficiency ratio | 74.9585% | 3,212 |
| Assets per employee ($millions) | 3.7781% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 6,801 |
| Loan loss allowance to noncurrent loans | 58.4642% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 5,686 |
| Noncurrent loans to loans | 1.4846% | 4,252 |
| Net loans and leases to total assets | 42.1947% | 6,838 |
| Net loans and leases to deposits | 49.9198% | 6,860 |
| Net loans and leases to core deposits | 52.7419% | 6,869 |
| Total domestic deposits to total assets | 84.5250% | 4,098 |
| Equity capital to assets | 11.6294% | 2,171 |
| Core capital (leverage) ratio | 10.8648% | 2,258 |
| Tier 1 risk-based capital ratio | 22.2599% | 1,139 |
| Total risk-based capital ratio | 22.9969% | 1,185 |
| Memoranda: | ||
| Average total assets | $93,746,000 | 5,167 |
| Average earning assets | $86,730,400 | 5,128 |
| Average equity | $10,335,200 | 5,030 |
| Average total loans | $38,953,000 | 5,969 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 6,380 |
| Cost of funding earning assets | 1.3994% | 3,590 |
| Net interest margin | 3.1845% | 6,395 |
| Noninterest income to average assets | 0.7829% | 2,314 |
| Noninterest expense to average assets | 2.7085% | 4,844 |
| Loan and lease loss provision to assets | 0.0042% | 6,964 |
| Net operating income to assets | 0.6659% | 3,567 |
| Return on assets (ROA) | 0.6659% | 3,732 |
| Pretax return on assets | 1.0171% | 3,121 |
| Return on Equity (ROE) | 6.1202% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.1202% | 2,295 |
| Net charge-offs to loans | 0.0034% | 6,636 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 725.7970% | 32 |
| Efficiency ratio | 72.6172% | 3,588 |
| Assets per employee ($millions) | 3.9761% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 7,038 |
| Loan loss allowance to noncurrent loans | 51.6779% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 5,652 |
| Noncurrent loans to loans | 1.5168% | 4,362 |
| Net loans and leases to total assets | 42.6288% | 6,938 |
| Net loans and leases to deposits | 50.5662% | 6,981 |
| Net loans and leases to core deposits | 56.0542% | 6,854 |
| Total domestic deposits to total assets | 84.3029% | 3,960 |
| Equity capital to assets | 11.6151% | 2,444 |
| Core capital (leverage) ratio | 10.7726% | 2,447 |
| Tier 1 risk-based capital ratio | 21.4698% | 1,291 |
| Total risk-based capital ratio | 22.1326% | 1,355 |
| Memoranda: | ||
| Average total assets | $94,513,750 | 5,208 |
| Average earning assets | $87,463,750 | 5,160 |
| Average equity | $10,282,750 | 5,111 |
| Average total loans | $39,042,500 | 6,044 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 6,575 |
| Cost of funding earning assets | 1.4388% | 3,618 |
| Net interest margin | 3.1170% | 6,562 |
| Noninterest income to average assets | 0.6427% | 3,048 |
| Noninterest expense to average assets | 2.6231% | 5,235 |
| Loan and lease loss provision to assets | 0.0042% | 6,838 |
| Net operating income to assets | 0.5945% | 3,900 |
| Return on assets (ROA) | 0.5945% | 4,038 |
| Pretax return on assets | 0.9044% | 3,472 |
| Return on Equity (ROE) | 5.5852% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.5852% | 2,564 |
| Net charge-offs to loans | -0.0411% | 7,414 |
| Credit loss provision to net charge-offs | -25.0000% | 6,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2739% | 3,417 |
| Assets per employee ($millions) | 4.0886% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 7,031 |
| Loan loss allowance to noncurrent loans | 83.3773% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 6,470 |
| Noncurrent loans to loans | 0.9608% | 5,385 |
| Net loans and leases to total assets | 39.8773% | 7,170 |
| Net loans and leases to deposits | 46.5584% | 7,224 |
| Net loans and leases to core deposits | 51.5764% | 7,153 |
| Total domestic deposits to total assets | 85.6501% | 3,284 |
| Equity capital to assets | 10.6394% | 3,234 |
| Core capital (leverage) ratio | 10.1441% | 3,002 |
| Tier 1 risk-based capital ratio | 20.0524% | 1,509 |
| Total risk-based capital ratio | 20.6996% | 1,592 |
| Memoranda: | ||
| Average total assets | $95,535,000 | 5,203 |
| Average earning assets | $88,547,330 | 5,152 |
| Average equity | $10,169,670 | 5,152 |
| Average total loans | $38,959,330 | 6,090 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 6,029 |
| Cost of funding earning assets | 1.5278% | 3,386 |
| Net interest margin | 3.2345% | 6,184 |
| Noninterest income to average assets | 0.6367% | 3,026 |
| Noninterest expense to average assets | 2.6104% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6409% | 3,707 |
| Return on assets (ROA) | 0.6409% | 3,826 |
| Pretax return on assets | 1.0187% | 3,020 |
| Return on Equity (ROE) | 6.0192% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.0192% | 2,617 |
| Net charge-offs to loans | -0.1240% | 7,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9298% | 3,943 |
| Assets per employee ($millions) | 4.0341% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 7,054 |
| Loan loss allowance to noncurrent loans | 79.1045% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 6,432 |
| Noncurrent loans to loans | 1.0498% | 5,244 |
| Net loans and leases to total assets | 39.2216% | 7,296 |
| Net loans and leases to deposits | 45.7122% | 7,340 |
| Net loans and leases to core deposits | 49.9862% | 7,285 |
| Total domestic deposits to total assets | 85.8013% | 3,260 |
| Equity capital to assets | 10.4587% | 3,284 |
| Core capital (leverage) ratio | 10.1058% | 3,036 |
| Tier 1 risk-based capital ratio | 20.0786% | 1,509 |
| Total risk-based capital ratio | 20.7397% | 1,592 |
| Memoranda: | ||
| Average total assets | $94,239,500 | 5,307 |
| Average earning assets | $87,185,500 | 5,269 |
| Average equity | $10,034,500 | 5,228 |
| Average total loans | $38,716,000 | 6,180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 4,962 |
| Cost of funding earning assets | 1.8668% | 3,635 |
| Net interest margin | 3.4786% | 5,048 |
| Noninterest income to average assets | 0.8579% | 2,148 |
| Noninterest expense to average assets | 2.9831% | 4,218 |
| Loan and lease loss provision to assets | 0.0228% | 7,281 |
| Net operating income to assets | 0.7449% | 2,746 |
| Return on assets (ROA) | 0.7449% | 2,834 |
| Pretax return on assets | 1.0575% | 2,386 |
| Return on Equity (ROE) | 6.9125% | 2,820 |
| Retained earnings to average equity (ytd only) | 6.9125% | 994 |
| Net charge-offs to loans | 0.0588% | 6,507 |
| Credit loss provision to net charge-offs | 90.9091% | 5,972 |
| Earnings coverage of net charge-offs (x) | 43.0455% | 581 |
| Efficiency ratio | 73.4138% | 4,017 |
| Assets per employee ($millions) | 3.8192% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 7,189 |
| Loan loss allowance to noncurrent loans | 259.3220% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 7,158 |
| Noncurrent loans to loans | 0.3015% | 6,674 |
| Net loans and leases to total assets | 42.3674% | 7,231 |
| Net loans and leases to deposits | 51.9922% | 7,155 |
| Net loans and leases to core deposits | 64.5512% | 7,057 |
| Total domestic deposits to total assets | 81.4881% | 5,160 |
| Equity capital to assets | 10.8477% | 2,822 |
| Core capital (leverage) ratio | 10.3863% | 2,699 |
| Tier 1 risk-based capital ratio | 19.5803% | 1,551 |
| Total risk-based capital ratio | 20.2104% | 1,628 |
| Memoranda: | ||
| Average total assets | $87,659,200 | 5,465 |
| Average earning assets | $80,778,600 | 5,431 |
| Average equity | $9,446,600 | 5,464 |
| Average total loans | $37,419,600 | 6,232 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4134% | 4,879 |
| Cost of funding earning assets | 1.9598% | 3,568 |
| Net interest margin | 3.4535% | 5,057 |
| Noninterest income to average assets | 0.8493% | 2,207 |
| Noninterest expense to average assets | 2.7725% | 5,012 |
| Loan and lease loss provision to assets | 0.0262% | 7,093 |
| Net operating income to assets | 0.7939% | 2,843 |
| Return on assets (ROA) | 0.7939% | 2,903 |
| Pretax return on assets | 1.2308% | 2,162 |
| Return on Equity (ROE) | 7.3798% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.3798% | 1,361 |
| Net charge-offs to loans | 0.0108% | 6,788 |
| Credit loss provision to net charge-offs | 566.6667% | 685 |
| Earnings coverage of net charge-offs (x) | 272.3275% | 136 |
| Efficiency ratio | 68.8049% | 4,824 |
| Assets per employee ($millions) | 3.5995% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 6,968 |
| Loan loss allowance to noncurrent loans | 92.7954% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 6,494 |
| Noncurrent loans to loans | 0.9121% | 5,467 |
| Net loans and leases to total assets | 41.9194% | 7,370 |
| Net loans and leases to deposits | 50.3390% | 7,394 |
| Net loans and leases to core deposits | 60.5888% | 7,379 |
| Total domestic deposits to total assets | 83.2743% | 4,079 |
| Equity capital to assets | 10.9160% | 3,097 |
| Core capital (leverage) ratio | 10.2267% | 3,042 |
| Tier 1 risk-based capital ratio | 19.8784% | 1,583 |
| Total risk-based capital ratio | 20.5652% | 1,649 |
| Memoranda: | ||
| Average total assets | $86,659,000 | 5,530 |
| Average earning assets | $79,800,250 | 5,498 |
| Average equity | $9,322,500 | 5,548 |
| Average total loans | $36,989,500 | 6,288 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 4,747 |
| Cost of funding earning assets | 2.0643% | 3,451 |
| Net interest margin | 3.4117% | 5,119 |
| Noninterest income to average assets | 0.9234% | 1,876 |
| Noninterest expense to average assets | 2.8615% | 4,680 |
| Loan and lease loss provision to assets | 0.0047% | 7,135 |
| Net operating income to assets | 0.7621% | 3,003 |
| Return on assets (ROA) | 0.7621% | 3,112 |
| Pretax return on assets | 1.1946% | 2,315 |
| Return on Equity (ROE) | 7.1213% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.1213% | 1,538 |
| Net charge-offs to loans | 0.0164% | 6,298 |
| Credit loss provision to net charge-offs | 66.6667% | 5,479 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 243 |
| Efficiency ratio | 70.4663% | 4,688 |
| Assets per employee ($millions) | 3.7645% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,941 |
| Loan loss allowance to noncurrent loans | 105.1370% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 6,659 |
| Noncurrent loans to loans | 0.8177% | 5,590 |
| Net loans and leases to total assets | 39.1856% | 7,587 |
| Net loans and leases to deposits | 46.6203% | 7,613 |
| Net loans and leases to core deposits | 55.4350% | 7,615 |
| Total domestic deposits to total assets | 84.0526% | 3,737 |
| Equity capital to assets | 10.3512% | 3,563 |
| Core capital (leverage) ratio | 10.1080% | 3,181 |
| Tier 1 risk-based capital ratio | 20.0686% | 1,566 |
| Total risk-based capital ratio | 20.7432% | 1,635 |
| Memoranda: | ||
| Average total assets | $85,549,670 | 5,596 |
| Average earning assets | $78,670,670 | 5,573 |
| Average equity | $9,155,670 | 5,627 |
| Average total loans | $36,638,000 | 6,367 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 4,504 |
| Cost of funding earning assets | 2.1897% | 3,213 |
| Net interest margin | 3.3841% | 5,197 |
| Noninterest income to average assets | 1.0824% | 1,275 |
| Noninterest expense to average assets | 2.8863% | 4,202 |
| Loan and lease loss provision to assets | 0.0048% | 6,725 |
| Net operating income to assets | 0.8082% | 3,097 |
| Return on assets (ROA) | 0.8082% | 3,257 |
| Pretax return on assets | 1.2988% | 2,291 |
| Return on Equity (ROE) | 7.4193% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.4193% | 2,050 |
| Net charge-offs to loans | -0.0108% | 7,289 |
| Credit loss provision to net charge-offs | -100.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8863% | 4,798 |
| Assets per employee ($millions) | 3.4801% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 6,842 |
| Loan loss allowance to noncurrent loans | 105.0847% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 6,500 |
| Noncurrent loans to loans | 0.8341% | 5,354 |
| Net loans and leases to total assets | 40.2952% | 7,548 |
| Net loans and leases to deposits | 48.8321% | 7,546 |
| Net loans and leases to core deposits | 60.1163% | 7,450 |
| Total domestic deposits to total assets | 82.5178% | 4,367 |
| Equity capital to assets | 10.5479% | 3,415 |
| Core capital (leverage) ratio | 10.3869% | 3,040 |
| Tier 1 risk-based capital ratio | 20.1781% | 1,586 |
| Total risk-based capital ratio | 20.8752% | 1,642 |
| Memoranda: | ||
| Average total assets | $83,151,000 | 5,702 |
| Average earning assets | $76,357,500 | 5,680 |
| Average equity | $9,057,500 | 5,689 |
| Average total loans | $37,102,000 | 6,375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 6,167 |
| Cost of funding earning assets | 2.6841% | 3,236 |
| Net interest margin | 3.1900% | 6,391 |
| Noninterest income to average assets | 0.7094% | 3,058 |
| Noninterest expense to average assets | 2.9429% | 4,285 |
| Loan and lease loss provision to assets | 0.1169% | 5,881 |
| Net operating income to assets | 0.4266% | 5,048 |
| Return on assets (ROA) | 0.4266% | 4,865 |
| Pretax return on assets | 0.5667% | 4,790 |
| Return on Equity (ROE) | 3.8139% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.8139% | 2,759 |
| Net charge-offs to loans | -0.0293% | 7,967 |
| Credit loss provision to net charge-offs | -827.2727% | 7,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1481% | 2,420 |
| Assets per employee ($millions) | 3.1720% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 7,138 |
| Loan loss allowance to noncurrent loans | 78.5714% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 5,717 |
| Noncurrent loans to loans | 1.0094% | 4,565 |
| Net loans and leases to total assets | 48.5857% | 7,140 |
| Net loans and leases to deposits | 60.5434% | 7,042 |
| Net loans and leases to core deposits | 75.2853% | 6,899 |
| Total domestic deposits to total assets | 80.2494% | 4,927 |
| Equity capital to assets | 11.2713% | 2,830 |
| Core capital (leverage) ratio | 11.1990% | 2,429 |
| Tier 1 risk-based capital ratio | 19.8299% | 1,648 |
| Total risk-based capital ratio | 20.5192% | 1,713 |
| Memoranda: | ||
| Average total assets | $77,815,600 | 5,773 |
| Average earning assets | $71,160,200 | 5,774 |
| Average equity | $8,705,000 | 5,839 |
| Average total loans | $37,593,800 | 6,283 |