Home > Fairfax State Savings Bank > Performance and Condition Ratios
Fairfax State 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 | 4.0887% | 3,825 |
| Cost of funding earning assets | 1.9440% | 1,003 |
| Net interest margin | 2.1447% | 4,353 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 1.9394% | 3,758 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6658% | 3,279 |
| Return on assets (ROA) | 0.6515% | 3,288 |
| Pretax return on assets | 0.6611% | 3,518 |
| Return on Equity (ROE) | 15.8800% | 1,119 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,260 |
| Net charge-offs to loans | -0.1253% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.4938% | 1,501 |
| Assets per employee ($millions) | 9.9155% | 722 |
| Cash dividends to net income (ytd only)* | 43.4090% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,615 |
| Loan loss allowance to noncurrent loans | 156.3347% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 478 |
| Noncurrent loans to loans | 0.8565% | 891 |
| Net loans and leases to total assets | 54.0000% | 3,350 |
| Net loans and leases to deposits | 71.2889% | 2,802 |
| Net loans and leases to core deposits | 85.4387% | 2,343 |
| Total domestic deposits to total assets | 75.7500% | 3,966 |
| Equity capital to assets | 5.0796% | 4,401 |
| Core capital (leverage) ratio | 9.7274% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $250,337,200 | 2,684 |
| Average earning assets | $238,122,400 | 2,638 |
| Average equity | $10,272,000 | 3,689 |
| Average total loans | $140,477,600 | 2,767 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,829 |
| Cost of funding earning assets | 1.7910% | 1,020 |
| Net interest margin | 2.2201% | 4,342 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.9621% | 3,684 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3742% | 4,004 |
| Return on assets (ROA) | 0.3680% | 4,017 |
| Pretax return on assets | 0.3854% | 4,082 |
| Return on Equity (ROE) | 9.5900% | 2,771 |
| Retained earnings to average equity (ytd only) | -0.4096% | 4,198 |
| Net charge-offs to loans | -0.0509% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.4977% | 698 |
| Assets per employee ($millions) | 8.7001% | 1,044 |
| Cash dividends to net income (ytd only)* | 104.2710% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,074 |
| Loan loss allowance to noncurrent loans | 65.4937% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 408 |
| Noncurrent loans to loans | 1.9169% | 331 |
| Net loans and leases to total assets | 58.8900% | 2,948 |
| Net loans and leases to deposits | 70.9848% | 2,775 |
| Net loans and leases to core deposits | 85.6033% | 2,206 |
| Total domestic deposits to total assets | 82.9700% | 3,028 |
| Equity capital to assets | 2.8177% | 4,504 |
| Core capital (leverage) ratio | 9.4406% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $245,991,750 | 2,713 |
| Average earning assets | $233,975,000 | 2,672 |
| Average equity | $9,440,250 | 3,777 |
| Average total loans | $138,965,500 | 2,787 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 3,917 |
| Cost of funding earning assets | 1.5951% | 1,081 |
| Net interest margin | 2.2794% | 4,376 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.9758% | 3,645 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4317% | 3,940 |
| Return on assets (ROA) | 0.4279% | 3,952 |
| Pretax return on assets | 0.4482% | 4,046 |
| Return on Equity (ROE) | 10.2500% | 2,632 |
| Retained earnings to average equity (ytd only) | 1.5147% | 3,823 |
| Net charge-offs to loans | -0.0526% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.5684% | 806 |
| Assets per employee ($millions) | 8.3097% | 1,181 |
| Cash dividends to net income (ytd only)* | 85.2273% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 1,976 |
| Loan loss allowance to noncurrent loans | 64.3909% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 390 |
| Noncurrent loans to loans | 2.0011% | 280 |
| Net loans and leases to total assets | 55.0700% | 3,185 |
| Net loans and leases to deposits | 66.0446% | 3,053 |
| Net loans and leases to core deposits | 79.5380% | 2,500 |
| Total domestic deposits to total assets | 83.3800% | 2,962 |
| Equity capital to assets | 4.1241% | 4,494 |
| Core capital (leverage) ratio | 9.1120% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $246,788,333 | 2,709 |
| Average earning assets | $234,971,000 | 2,679 |
| Average equity | $10,299,000 | 3,705 |
| Average total loans | $136,857,333 | 2,806 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6762% | 4,065 |
| Cost of funding earning assets | 1.3155% | 1,198 |
| Net interest margin | 2.3607% | 4,416 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.9549% | 3,729 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4768% | 3,954 |
| Return on assets (ROA) | 0.4675% | 3,921 |
| Pretax return on assets | 0.4904% | 4,003 |
| Return on Equity (ROE) | 11.1400% | 2,456 |
| Retained earnings to average equity (ytd only) | -6.3252% | 4,382 |
| Net charge-offs to loans | -0.0884% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.8436% | 921 |
| Assets per employee ($millions) | 8.2763% | 1,217 |
| Cash dividends to net income (ytd only)* | 156.7944% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,017 |
| Loan loss allowance to noncurrent loans | 63.8099% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 342 |
| Noncurrent loans to loans | 2.0427% | 268 |
| Net loans and leases to total assets | 54.0400% | 3,202 |
| Net loans and leases to deposits | 64.9465% | 3,016 |
| Net loans and leases to core deposits | 77.3370% | 2,438 |
| Total domestic deposits to total assets | 83.2100% | 3,254 |
| Equity capital to assets | 4.3796% | 4,513 |
| Core capital (leverage) ratio | 9.1936% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $245,537,500 | 2,752 |
| Average earning assets | $233,828,500 | 2,714 |
| Average equity | $10,308,000 | 3,743 |
| Average total loans | $135,749,500 | 2,844 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2245% | 3,771 |
| Cost of funding earning assets | 0.5740% | 998 |
| Net interest margin | 2.6505% | 4,114 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.9546% | 3,699 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.8068% | 3,305 |
| Return on assets (ROA) | 0.7996% | 3,254 |
| Pretax return on assets | 0.8411% | 3,513 |
| Return on Equity (ROE) | 14.5800% | 1,371 |
| Retained earnings to average equity (ytd only) | 8.7450% | 1,552 |
| Net charge-offs to loans | -0.0929% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2021% | 1,654 |
| Assets per employee ($millions) | 8.0929% | 1,272 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,240 |
| Loan loss allowance to noncurrent loans | 55.8374% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 423 |
| Noncurrent loans to loans | 1.8325% | 322 |
| Net loans and leases to total assets | 55.2600% | 3,096 |
| Net loans and leases to deposits | 61.2078% | 3,259 |
| Net loans and leases to core deposits | 73.2270% | 2,628 |
| Total domestic deposits to total assets | 90.2800% | 1,242 |
| Equity capital to assets | 4.0126% | 4,519 |
| Core capital (leverage) ratio | 9.2759% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $236,366,800 | 2,810 |
| Average earning assets | $224,901,200 | 2,774 |
| Average equity | $12,967,400 | 3,575 |
| Average total loans | $119,424,400 | 2,926 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1114% | 3,649 |
| Cost of funding earning assets | 0.4358% | 1,062 |
| Net interest margin | 2.6756% | 3,978 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9475% | 3,632 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.7219% | 3,503 |
| Return on assets (ROA) | 0.7122% | 3,487 |
| Pretax return on assets | 0.7497% | 3,691 |
| Return on Equity (ROE) | 12.1400% | 1,990 |
| Retained earnings to average equity (ytd only) | 4.8206% | 3,158 |
| Net charge-offs to loans | -0.0890% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.6527% | 1,802 |
| Assets per employee ($millions) | 8.1573% | 1,241 |
| Cash dividends to net income (ytd only)* | 60.2871% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,619 |
| Loan loss allowance to noncurrent loans | 2,591.6667% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,681 |
| Noncurrent loans to loans | 0.0456% | 3,560 |
| Net loans and leases to total assets | 54.9200% | 3,012 |
| Net loans and leases to deposits | 60.3138% | 3,170 |
| Net loans and leases to core deposits | 69.2158% | 2,699 |
| Total domestic deposits to total assets | 91.0600% | 1,216 |
| Equity capital to assets | 3.1248% | 4,584 |
| Core capital (leverage) ratio | 9.4212% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $234,761,750 | 2,839 |
| Average earning assets | $223,346,750 | 2,802 |
| Average equity | $13,773,750 | 3,541 |
| Average total loans | $115,392,500 | 2,974 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 3,580 |
| Cost of funding earning assets | 0.3770% | 1,068 |
| Net interest margin | 2.6157% | 3,875 |
| Noninterest income to average assets | 0.2562% | 3,637 |
| Noninterest expense to average assets | 1.8987% | 3,702 |
| Loan and lease loss provision to assets | 0.0743% | 1,297 |
| Net operating income to assets | 0.7332% | 3,204 |
| Return on assets (ROA) | 0.7234% | 3,181 |
| Pretax return on assets | 0.7619% | 3,421 |
| Return on Equity (ROE) | 10.6534% | 2,112 |
| Retained earnings to average equity (ytd only) | 1.1446% | 3,964 |
| Net charge-offs to loans | -0.1181% | 4,486 |
| Credit loss provision to net charge-offs | -133.8462% | 3,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1661% | 2,081 |
| Assets per employee ($millions) | 8.0447% | 1,278 |
| Cash dividends to net income (ytd only)* | 89.2562% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,370 |
| Loan loss allowance to noncurrent loans | 2,455.0000% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,732 |
| Noncurrent loans to loans | 0.0514% | 3,563 |
| Net loans and leases to total assets | 49.4012% | 3,432 |
| Net loans and leases to deposits | 54.0709% | 3,532 |
| Net loans and leases to core deposits | 59.4816% | 3,308 |
| Total domestic deposits to total assets | 91.3638% | 1,078 |
| Equity capital to assets | 4.3580% | 4,580 |
| Core capital (leverage) ratio | 9.4270% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,162,000 | 2,863 |
| Average earning assets | $222,805,000 | 2,833 |
| Average equity | $15,901,000 | 3,413 |
| Average total loans | $110,030,000 | 3,061 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8758% | 3,593 |
| Cost of funding earning assets | 0.3622% | 1,118 |
| Net interest margin | 2.5136% | 3,878 |
| Noninterest income to average assets | 0.2745% | 3,495 |
| Noninterest expense to average assets | 1.8739% | 3,743 |
| Loan and lease loss provision to assets | 0.0307% | 1,815 |
| Net operating income to assets | 0.7225% | 2,973 |
| Return on assets (ROA) | 0.7144% | 2,991 |
| Pretax return on assets | 0.7519% | 3,248 |
| Return on Equity (ROE) | 8.9301% | 2,341 |
| Retained earnings to average equity (ytd only) | -7.1824% | 4,494 |
| Net charge-offs to loans | -0.1800% | 4,585 |
| Credit loss provision to net charge-offs | -37.5000% | 2,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3135% | 2,187 |
| Assets per employee ($millions) | 8.7749% | 988 |
| Cash dividends to net income (ytd only)* | 180.4296% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,602 |
| Loan loss allowance to noncurrent loans | 2,237.0968% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,784 |
| Noncurrent loans to loans | 0.0559% | 3,581 |
| Net loans and leases to total assets | 46.2397% | 3,555 |
| Net loans and leases to deposits | 51.6114% | 3,598 |
| Net loans and leases to core deposits | 55.8976% | 3,454 |
| Total domestic deposits to total assets | 89.5919% | 1,773 |
| Equity capital to assets | 6.2611% | 4,511 |
| Core capital (leverage) ratio | 9.4973% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,595,000 | 2,872 |
| Average earning assets | $223,103,000 | 2,846 |
| Average equity | $18,768,000 | 3,252 |
| Average total loans | $106,683,000 | 3,102 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1726% | 3,533 |
| Cost of funding earning assets | 0.4623% | 1,111 |
| Net interest margin | 2.7103% | 3,852 |
| Noninterest income to average assets | 0.2833% | 3,699 |
| Noninterest expense to average assets | 1.9288% | 3,859 |
| Loan and lease loss provision to assets | 0.0091% | 2,899 |
| Net operating income to assets | 0.8911% | 3,076 |
| Return on assets (ROA) | 0.9830% | 2,809 |
| Pretax return on assets | 1.0348% | 3,167 |
| Return on Equity (ROE) | 9.7458% | 2,625 |
| Retained earnings to average equity (ytd only) | 6.9368% | 1,942 |
| Net charge-offs to loans | -0.1034% | 4,590 |
| Credit loss provision to net charge-offs | -20.2020% | 3,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0666% | 2,114 |
| Assets per employee ($millions) | 8.9334% | 939 |
| Cash dividends to net income (ytd only)* | 28.8222% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,410 |
| Loan loss allowance to noncurrent loans | 2,096.8254% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,856 |
| Noncurrent loans to loans | 0.0615% | 3,641 |
| Net loans and leases to total assets | 43.5299% | 3,865 |
| Net loans and leases to deposits | 50.6039% | 3,843 |
| Net loans and leases to core deposits | 55.5714% | 3,655 |
| Total domestic deposits to total assets | 86.0209% | 2,898 |
| Equity capital to assets | 9.7741% | 2,875 |
| Core capital (leverage) ratio | 9.7458% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,240,200 | 2,900 |
| Average earning assets | $210,678,800 | 2,866 |
| Average equity | $22,214,800 | 3,042 |
| Average total loans | $95,726,400 | 3,253 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2569% | 3,497 |
| Cost of funding earning assets | 0.4781% | 1,168 |
| Net interest margin | 2.7788% | 3,827 |
| Noninterest income to average assets | 0.2688% | 3,800 |
| Noninterest expense to average assets | 1.8843% | 3,980 |
| Loan and lease loss provision to assets | 0.0124% | 2,742 |
| Net operating income to assets | 0.9817% | 2,980 |
| Return on assets (ROA) | 1.0808% | 2,685 |
| Pretax return on assets | 1.1379% | 3,111 |
| Return on Equity (ROE) | 10.6275% | 2,510 |
| Retained earnings to average equity (ytd only) | 6.8617% | 2,472 |
| Net charge-offs to loans | -0.1162% | 4,664 |
| Credit loss provision to net charge-offs | -24.3902% | 3,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3067% | 2,345 |
| Assets per employee ($millions) | 9.3929% | 796 |
| Cash dividends to net income (ytd only)* | 35.4344% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,389 |
| Loan loss allowance to noncurrent loans | 2,037.5000% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,625 |
| Noncurrent loans to loans | 0.0648% | 3,769 |
| Net loans and leases to total assets | 43.2043% | 4,005 |
| Net loans and leases to deposits | 50.3380% | 3,996 |
| Net loans and leases to core deposits | 55.9548% | 3,773 |
| Total domestic deposits to total assets | 85.8284% | 2,809 |
| Equity capital to assets | 9.9317% | 2,968 |
| Core capital (leverage) ratio | 9.9954% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,233,250 | 2,956 |
| Average earning assets | $208,045,500 | 2,916 |
| Average equity | $22,093,000 | 3,080 |
| Average total loans | $94,051,250 | 3,321 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1646% | 3,739 |
| Cost of funding earning assets | 0.4914% | 1,254 |
| Net interest margin | 2.6732% | 4,034 |
| Noninterest income to average assets | 0.2937% | 3,664 |
| Noninterest expense to average assets | 1.8639% | 4,048 |
| Loan and lease loss provision to assets | 0.0186% | 2,586 |
| Net operating income to assets | 0.9235% | 3,151 |
| Return on assets (ROA) | 0.9846% | 3,034 |
| Pretax return on assets | 1.0368% | 3,358 |
| Return on Equity (ROE) | 9.6025% | 2,910 |
| Retained earnings to average equity (ytd only) | 3.9283% | 3,542 |
| Net charge-offs to loans | -0.1427% | 4,716 |
| Credit loss provision to net charge-offs | -30.3030% | 2,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2841% | 2,260 |
| Assets per employee ($millions) | 8.9912% | 862 |
| Cash dividends to net income (ytd only)* | 59.0909% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 2,240 |
| Loan loss allowance to noncurrent loans | 1,951.5152% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,063 |
| Noncurrent loans to loans | 0.0687% | 3,848 |
| Net loans and leases to total assets | 42.1559% | 4,170 |
| Net loans and leases to deposits | 48.4327% | 4,189 |
| Net loans and leases to core deposits | 52.2771% | 4,118 |
| Total domestic deposits to total assets | 87.0402% | 2,295 |
| Equity capital to assets | 9.9435% | 2,900 |
| Core capital (leverage) ratio | 9.8976% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,501,333 | 2,977 |
| Average earning assets | $205,521,333 | 2,941 |
| Average equity | $21,994,333 | 3,085 |
| Average total loans | $92,502,000 | 3,362 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9595% | 4,168 |
| Cost of funding earning assets | 0.5156% | 1,302 |
| Net interest margin | 2.4440% | 4,368 |
| Noninterest income to average assets | 0.2503% | 3,900 |
| Noninterest expense to average assets | 1.8685% | 4,059 |
| Loan and lease loss provision to assets | 0.0382% | 2,265 |
| Net operating income to assets | 0.6470% | 3,815 |
| Return on assets (ROA) | 0.6706% | 3,850 |
| Pretax return on assets | 0.7050% | 4,004 |
| Return on Equity (ROE) | 6.4356% | 3,741 |
| Retained earnings to average equity (ytd only) | -5.0055% | 4,703 |
| Net charge-offs to loans | -0.2116% | 4,792 |
| Credit loss provision to net charge-offs | -41.6667% | 2,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2304% | 1,471 |
| Assets per employee ($millions) | 8.4739% | 998 |
| Cash dividends to net income (ytd only)* | 177.7778% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 2,191 |
| Loan loss allowance to noncurrent loans | 1,059.1667% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,093 |
| Noncurrent loans to loans | 0.1276% | 3,670 |
| Net loans and leases to total assets | 43.7887% | 4,125 |
| Net loans and leases to deposits | 50.3892% | 4,137 |
| Net loans and leases to core deposits | 52.8097% | 4,153 |
| Total domestic deposits to total assets | 86.9009% | 2,346 |
| Equity capital to assets | 9.9119% | 2,786 |
| Core capital (leverage) ratio | 10.0922% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,362,000 | 3,010 |
| Average earning assets | $200,167,500 | 2,969 |
| Average equity | $21,816,000 | 3,092 |
| Average total loans | $90,730,000 | 3,396 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 4,400 |
| Cost of funding earning assets | 0.6939% | 1,744 |
| Net interest margin | 2.5502% | 4,544 |
| Noninterest income to average assets | 0.2733% | 3,839 |
| Noninterest expense to average assets | 2.0755% | 3,984 |
| Loan and lease loss provision to assets | 0.1477% | 2,526 |
| Net operating income to assets | 0.4530% | 4,133 |
| Return on assets (ROA) | 0.7846% | 3,276 |
| Pretax return on assets | 0.8248% | 3,568 |
| Return on Equity (ROE) | 6.6972% | 3,329 |
| Retained earnings to average equity (ytd only) | 3.6901% | 2,984 |
| Net charge-offs to loans | -0.0823% | 4,773 |
| Credit loss provision to net charge-offs | -387.3239% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9001% | 1,130 |
| Assets per employee ($millions) | 9.4035% | 646 |
| Cash dividends to net income (ytd only)* | 44.9008% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 2,079 |
| Loan loss allowance to noncurrent loans | 511.4894% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 2,922 |
| Noncurrent loans to loans | 0.2688% | 3,232 |
| Net loans and leases to total assets | 41.6779% | 4,370 |
| Net loans and leases to deposits | 48.5301% | 4,376 |
| Net loans and leases to core deposits | 51.0123% | 4,388 |
| Total domestic deposits to total assets | 85.8805% | 2,411 |
| Equity capital to assets | 10.9408% | 2,308 |
| Core capital (leverage) ratio | 10.5081% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,216,600 | 3,051 |
| Average earning assets | $177,121,600 | 3,019 |
| Average equity | $21,815,200 | 3,026 |
| Average total loans | $86,291,800 | 3,464 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 4,366 |
| Cost of funding earning assets | 0.7374% | 1,816 |
| Net interest margin | 2.6469% | 4,532 |
| Noninterest income to average assets | 0.2541% | 3,953 |
| Noninterest expense to average assets | 2.0922% | 3,971 |
| Loan and lease loss provision to assets | 0.0552% | 3,659 |
| Net operating income to assets | 0.5921% | 3,791 |
| Return on assets (ROA) | 0.9419% | 2,684 |
| Pretax return on assets | 0.9912% | 3,101 |
| Return on Equity (ROE) | 7.8910% | 2,846 |
| Retained earnings to average equity (ytd only) | 3.8437% | 3,119 |
| Net charge-offs to loans | -0.0806% | 4,785 |
| Credit loss provision to net charge-offs | -144.2308% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5183% | 1,249 |
| Assets per employee ($millions) | 8.7496% | 762 |
| Cash dividends to net income (ytd only)* | 51.2901% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,160 |
| Loan loss allowance to noncurrent loans | 362.7306% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 2,894 |
| Noncurrent loans to loans | 0.3057% | 3,183 |
| Net loans and leases to total assets | 45.5437% | 4,340 |
| Net loans and leases to deposits | 53.6192% | 4,351 |
| Net loans and leases to core deposits | 55.9728% | 4,381 |
| Total domestic deposits to total assets | 84.9391% | 2,467 |
| Equity capital to assets | 11.5537% | 1,965 |
| Core capital (leverage) ratio | 11.4409% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,051,500 | 3,079 |
| Average earning assets | $172,120,500 | 3,037 |
| Average equity | $21,610,500 | 3,036 |
| Average total loans | $86,008,750 | 3,483 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 4,333 |
| Cost of funding earning assets | 0.7826% | 1,917 |
| Net interest margin | 2.7782% | 4,478 |
| Noninterest income to average assets | 0.2607% | 3,912 |
| Noninterest expense to average assets | 2.1181% | 3,991 |
| Loan and lease loss provision to assets | 0.0564% | 3,594 |
| Net operating income to assets | 0.6932% | 3,410 |
| Return on assets (ROA) | 0.9569% | 2,594 |
| Pretax return on assets | 1.0077% | 3,000 |
| Return on Equity (ROE) | 7.9250% | 2,778 |
| Retained earnings to average equity (ytd only) | 1.7943% | 3,835 |
| Net charge-offs to loans | -0.0846% | 4,813 |
| Credit loss provision to net charge-offs | -138.8889% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9215% | 1,577 |
| Assets per employee ($millions) | 8.4331% | 830 |
| Cash dividends to net income (ytd only)* | 77.3585% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,259 |
| Loan loss allowance to noncurrent loans | 1,427.2727% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,460 |
| Noncurrent loans to loans | 0.0746% | 4,163 |
| Net loans and leases to total assets | 47.1754% | 4,301 |
| Net loans and leases to deposits | 55.8135% | 4,297 |
| Net loans and leases to core deposits | 58.2612% | 4,342 |
| Total domestic deposits to total assets | 84.5232% | 2,551 |
| Equity capital to assets | 11.7998% | 1,782 |
| Core capital (leverage) ratio | 10.8589% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,238,000 | 3,094 |
| Average earning assets | $168,671,667 | 3,053 |
| Average equity | $21,400,667 | 3,038 |
| Average total loans | $85,128,000 | 3,497 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 4,447 |
| Cost of funding earning assets | 0.8217% | 2,269 |
| Net interest margin | 2.8447% | 4,508 |
| Noninterest income to average assets | 0.2704% | 3,915 |
| Noninterest expense to average assets | 2.1861% | 4,040 |
| Loan and lease loss provision to assets | 0.0693% | 2,882 |
| Net operating income to assets | 0.6985% | 3,277 |
| Return on assets (ROA) | 0.6655% | 3,455 |
| Pretax return on assets | 0.7002% | 3,686 |
| Return on Equity (ROE) | 5.4455% | 3,491 |
| Retained earnings to average equity (ytd only) | -6.9582% | 4,645 |
| Net charge-offs to loans | -0.0575% | 4,680 |
| Credit loss provision to net charge-offs | -250.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1066% | 1,929 |
| Assets per employee ($millions) | 7.5830% | 869 |
| Cash dividends to net income (ytd only)* | 227.7778% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,355 |
| Loan loss allowance to noncurrent loans | 5,612.5000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,664 |
| Noncurrent loans to loans | 0.0190% | 4,498 |
| Net loans and leases to total assets | 47.6819% | 4,355 |
| Net loans and leases to deposits | 56.6587% | 4,341 |
| Net loans and leases to core deposits | 59.8520% | 4,362 |
| Total domestic deposits to total assets | 84.1563% | 2,730 |
| Equity capital to assets | 12.1157% | 1,984 |
| Core capital (leverage) ratio | 11.6182% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,092,500 | 3,105 |
| Average earning assets | $165,503,500 | 3,056 |
| Average equity | $21,155,000 | 3,061 |
| Average total loans | $83,459,000 | 3,529 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 4,631 |
| Cost of funding earning assets | 0.7993% | 2,684 |
| Net interest margin | 2.9491% | 4,579 |
| Noninterest income to average assets | 0.2192% | 4,355 |
| Noninterest expense to average assets | 2.2919% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7494% | 3,702 |
| Return on assets (ROA) | 1.0064% | 2,915 |
| Pretax return on assets | 1.0595% | 3,298 |
| Return on Equity (ROE) | 8.1516% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.1739% | 2,322 |
| Net charge-offs to loans | -0.1474% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3905% | 1,559 |
| Assets per employee ($millions) | 7.4685% | 875 |
| Cash dividends to net income (ytd only)* | 36.5291% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,306 |
| Loan loss allowance to noncurrent loans | 995.3488% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 3,441 |
| Noncurrent loans to loans | 0.1038% | 4,106 |
| Net loans and leases to total assets | 47.7380% | 4,440 |
| Net loans and leases to deposits | 56.8913% | 4,424 |
| Net loans and leases to core deposits | 59.7543% | 4,452 |
| Total domestic deposits to total assets | 83.9109% | 2,871 |
| Equity capital to assets | 12.3295% | 1,935 |
| Core capital (leverage) ratio | 12.0218% | 1,759 |
| Tier 1 risk-based capital ratio | 22.1920% | 1,002 |
| Total risk-based capital ratio | 23.1152% | 1,022 |
| Memoranda: | ||
| Average total assets | $163,750,600 | 3,172 |
| Average earning assets | $158,898,000 | 3,094 |
| Average equity | $20,217,000 | 3,113 |
| Average total loans | $75,280,400 | 3,675 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,742 |
| Cost of funding earning assets | 0.7822% | 2,801 |
| Net interest margin | 2.9550% | 4,687 |
| Noninterest income to average assets | 0.2020% | 4,510 |
| Noninterest expense to average assets | 2.2809% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7554% | 3,835 |
| Return on assets (ROA) | 0.7452% | 3,926 |
| Pretax return on assets | 0.7848% | 4,157 |
| Return on Equity (ROE) | 6.0336% | 4,037 |
| Retained earnings to average equity (ytd only) | 2.0157% | 4,262 |
| Net charge-offs to loans | -0.1635% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1426% | 1,545 |
| Assets per employee ($millions) | 7.6532% | 791 |
| Cash dividends to net income (ytd only)* | 66.5934% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,132 |
| Loan loss allowance to noncurrent loans | 618.5185% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 3,413 |
| Noncurrent loans to loans | 0.1746% | 3,911 |
| Net loans and leases to total assets | 45.4356% | 4,634 |
| Net loans and leases to deposits | 54.3162% | 4,614 |
| Net loans and leases to core deposits | 56.5757% | 4,667 |
| Total domestic deposits to total assets | 83.6503% | 2,953 |
| Equity capital to assets | 12.4713% | 1,934 |
| Core capital (leverage) ratio | 12.1391% | 1,764 |
| Tier 1 risk-based capital ratio | 22.3513% | 1,026 |
| Total risk-based capital ratio | 23.2922% | 1,040 |
| Memoranda: | ||
| Average total assets | $161,744,500 | 3,221 |
| Average earning assets | $157,336,250 | 3,140 |
| Average equity | $19,976,500 | 3,156 |
| Average total loans | $73,386,000 | 3,754 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,821 |
| Cost of funding earning assets | 0.7459% | 2,913 |
| Net interest margin | 2.9644% | 4,738 |
| Noninterest income to average assets | 0.2018% | 4,543 |
| Noninterest expense to average assets | 2.3054% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7420% | 3,861 |
| Return on assets (ROA) | 0.7396% | 3,930 |
| Pretax return on assets | 0.7785% | 4,143 |
| Return on Equity (ROE) | 6.0094% | 4,044 |
| Retained earnings to average equity (ytd only) | -0.1222% | 4,703 |
| Net charge-offs to loans | -0.1471% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6954% | 1,561 |
| Assets per employee ($millions) | 7.0570% | 975 |
| Cash dividends to net income (ytd only)* | 102.0339% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,087 |
| Loan loss allowance to noncurrent loans | 1,108.3333% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 3,546 |
| Noncurrent loans to loans | 0.0990% | 4,234 |
| Net loans and leases to total assets | 44.3174% | 4,709 |
| Net loans and leases to deposits | 50.8994% | 4,772 |
| Net loans and leases to core deposits | 52.8046% | 4,803 |
| Total domestic deposits to total assets | 87.0687% | 1,569 |
| Equity capital to assets | 12.5869% | 1,806 |
| Core capital (leverage) ratio | 12.1594% | 1,720 |
| Tier 1 risk-based capital ratio | 23.0277% | 945 |
| Total risk-based capital ratio | 23.9690% | 954 |
| Memoranda: | ||
| Average total assets | $159,536,000 | 3,257 |
| Average earning assets | $155,243,330 | 3,177 |
| Average equity | $19,636,000 | 3,183 |
| Average total loans | $72,069,670 | 3,799 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,904 |
| Cost of funding earning assets | 0.6995% | 3,058 |
| Net interest margin | 2.9538% | 4,814 |
| Noninterest income to average assets | 0.2049% | 4,524 |
| Noninterest expense to average assets | 2.2333% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8015% | 3,615 |
| Return on assets (ROA) | 0.7967% | 3,678 |
| Pretax return on assets | 0.8397% | 3,944 |
| Return on Equity (ROE) | 6.5492% | 3,825 |
| Retained earnings to average equity (ytd only) | -5.9670% | 4,975 |
| Net charge-offs to loans | -0.1561% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5555% | 1,949 |
| Assets per employee ($millions) | 7.1976% | 919 |
| Cash dividends to net income (ytd only)* | 191.1111% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,369 |
| Loan loss allowance to noncurrent loans | 991.0256% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 3,547 |
| Noncurrent loans to loans | 0.1067% | 4,258 |
| Net loans and leases to total assets | 45.6801% | 4,682 |
| Net loans and leases to deposits | 52.2373% | 4,750 |
| Net loans and leases to core deposits | 53.6698% | 4,795 |
| Total domestic deposits to total assets | 87.4472% | 1,590 |
| Equity capital to assets | 12.3015% | 1,846 |
| Core capital (leverage) ratio | 12.2249% | 1,644 |
| Tier 1 risk-based capital ratio | 22.6031% | 980 |
| Total risk-based capital ratio | 23.5110% | 1,002 |
| Memoranda: | ||
| Average total assets | $158,148,500 | 3,314 |
| Average earning assets | $153,834,000 | 3,226 |
| Average equity | $19,239,000 | 3,232 |
| Average total loans | $71,739,500 | 3,841 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 4,777 |
| Cost of funding earning assets | 0.5796% | 2,856 |
| Net interest margin | 3.0406% | 4,748 |
| Noninterest income to average assets | 0.2698% | 4,299 |
| Noninterest expense to average assets | 2.3192% | 4,079 |
| Loan and lease loss provision to assets | -0.0608% | 5,219 |
| Net operating income to assets | 0.9158% | 3,382 |
| Return on assets (ROA) | 0.9133% | 3,382 |
| Pretax return on assets | 0.9576% | 3,732 |
| Return on Equity (ROE) | 7.5870% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.6422% | 2,392 |
| Net charge-offs to loans | -0.2137% | 5,276 |
| Credit loss provision to net charge-offs | 59.7403% | 3,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0567% | 1,889 |
| Assets per employee ($millions) | 7.1795% | 912 |
| Cash dividends to net income (ytd only)* | 25.6336% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,328 |
| Loan loss allowance to noncurrent loans | 1,034.7222% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 3,522 |
| Noncurrent loans to loans | 0.1023% | 4,272 |
| Net loans and leases to total assets | 44.0823% | 4,813 |
| Net loans and leases to deposits | 50.2269% | 4,875 |
| Net loans and leases to core deposits | 51.5004% | 4,909 |
| Total domestic deposits to total assets | 87.7664% | 1,406 |
| Equity capital to assets | 12.0285% | 1,873 |
| Core capital (leverage) ratio | 12.4794% | 1,466 |
| Tier 1 risk-based capital ratio | 22.8581% | 935 |
| Total risk-based capital ratio | 23.7299% | 946 |
| Memoranda: | ||
| Average total assets | $151,216,000 | 3,372 |
| Average earning assets | $146,648,400 | 3,289 |
| Average equity | $18,202,200 | 3,274 |
| Average total loans | $72,070,200 | 3,828 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 4,836 |
| Cost of funding earning assets | 0.5568% | 2,818 |
| Net interest margin | 3.0221% | 4,819 |
| Noninterest income to average assets | 0.2978% | 4,157 |
| Noninterest expense to average assets | 2.2773% | 4,156 |
| Loan and lease loss provision to assets | -0.0820% | 5,337 |
| Net operating income to assets | 0.9842% | 3,161 |
| Return on assets (ROA) | 0.9808% | 3,184 |
| Pretax return on assets | 1.0272% | 3,641 |
| Return on Equity (ROE) | 8.1466% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.5249% | 2,939 |
| Net charge-offs to loans | -0.2593% | 5,339 |
| Credit loss provision to net charge-offs | 65.2482% | 2,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5915% | 2,106 |
| Assets per employee ($millions) | 6.6655% | 1,107 |
| Cash dividends to net income (ytd only)* | 32.1819% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,591 |
| Loan loss allowance to noncurrent loans | 538.2353% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 3,260 |
| Noncurrent loans to loans | 0.1911% | 4,026 |
| Net loans and leases to total assets | 48.0374% | 4,717 |
| Net loans and leases to deposits | 54.9688% | 4,789 |
| Net loans and leases to core deposits | 56.4720% | 4,835 |
| Total domestic deposits to total assets | 87.3902% | 1,550 |
| Equity capital to assets | 12.3329% | 1,681 |
| Core capital (leverage) ratio | 12.9067% | 1,323 |
| Tier 1 risk-based capital ratio | 21.5150% | 1,112 |
| Total risk-based capital ratio | 22.3331% | 1,150 |
| Memoranda: | ||
| Average total assets | $149,532,500 | 3,427 |
| Average earning assets | $144,883,250 | 3,344 |
| Average equity | $18,003,000 | 3,316 |
| Average total loans | $72,494,500 | 3,856 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5294% | 4,878 |
| Cost of funding earning assets | 0.5240% | 2,807 |
| Net interest margin | 3.0054% | 4,871 |
| Noninterest income to average assets | 0.3176% | 4,053 |
| Noninterest expense to average assets | 2.3323% | 4,067 |
| Loan and lease loss provision to assets | -0.1223% | 5,443 |
| Net operating income to assets | 0.9766% | 3,118 |
| Return on assets (ROA) | 0.9728% | 3,136 |
| Pretax return on assets | 1.0153% | 3,620 |
| Return on Equity (ROE) | 8.1443% | 3,438 |
| Retained earnings to average equity (ytd only) | 4.2057% | 3,506 |
| Net charge-offs to loans | -0.3620% | 5,406 |
| Credit loss provision to net charge-offs | 69.6970% | 2,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2222% | 1,966 |
| Assets per employee ($millions) | 7.1382% | 871 |
| Cash dividends to net income (ytd only)* | 48.3607% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,956 |
| Loan loss allowance to noncurrent loans | 539.5522% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 2,965 |
| Noncurrent loans to loans | 0.1818% | 4,090 |
| Net loans and leases to total assets | 48.6908% | 4,675 |
| Net loans and leases to deposits | 55.5324% | 4,778 |
| Net loans and leases to core deposits | 56.9741% | 4,832 |
| Total domestic deposits to total assets | 87.6800% | 1,548 |
| Equity capital to assets | 12.0458% | 1,829 |
| Core capital (leverage) ratio | 12.5028% | 1,435 |
| Tier 1 risk-based capital ratio | 20.1316% | 1,299 |
| Total risk-based capital ratio | 20.9023% | 1,359 |
| Memoranda: | ||
| Average total assets | $150,496,670 | 3,430 |
| Average earning assets | $145,804,330 | 3,348 |
| Average equity | $17,975,670 | 3,332 |
| Average total loans | $72,934,670 | 3,871 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 4,986 |
| Cost of funding earning assets | 0.5119% | 2,705 |
| Net interest margin | 2.9125% | 5,007 |
| Noninterest income to average assets | 0.2653% | 4,406 |
| Noninterest expense to average assets | 2.2494% | 4,297 |
| Loan and lease loss provision to assets | 0.0531% | 2,713 |
| Net operating income to assets | 0.7637% | 3,857 |
| Return on assets (ROA) | 0.7560% | 3,888 |
| Pretax return on assets | 0.7772% | 4,206 |
| Return on Equity (ROE) | 6.3563% | 4,032 |
| Retained earnings to average equity (ytd only) | -1.5389% | 4,967 |
| Net charge-offs to loans | -0.0441% | 4,912 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8522% | 2,064 |
| Assets per employee ($millions) | 6.6963% | 1,093 |
| Cash dividends to net income (ytd only)* | 124.2105% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 4,099 |
| Loan loss allowance to noncurrent loans | 577.2358% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 2,401 |
| Noncurrent loans to loans | 0.1686% | 4,221 |
| Net loans and leases to total assets | 49.0324% | 4,627 |
| Net loans and leases to deposits | 55.8253% | 4,701 |
| Net loans and leases to core deposits | 57.1770% | 4,787 |
| Total domestic deposits to total assets | 87.8318% | 1,709 |
| Equity capital to assets | 11.9475% | 1,826 |
| Core capital (leverage) ratio | 12.2985% | 1,475 |
| Tier 1 risk-based capital ratio | 20.8783% | 1,217 |
| Total risk-based capital ratio | 21.6824% | 1,254 |
| Memoranda: | ||
| Average total assets | $150,793,500 | 3,459 |
| Average earning assets | $146,126,500 | 3,380 |
| Average equity | $17,935,000 | 3,360 |
| Average total loans | $72,546,000 | 3,921 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 4,967 |
| Cost of funding earning assets | 0.4432% | 2,845 |
| Net interest margin | 2.9378% | 4,992 |
| Noninterest income to average assets | 0.2032% | 4,925 |
| Noninterest expense to average assets | 2.2895% | 4,361 |
| Loan and lease loss provision to assets | 0.0413% | 3,436 |
| Net operating income to assets | 0.6812% | 3,676 |
| Return on assets (ROA) | 0.5889% | 4,094 |
| Pretax return on assets | 0.6199% | 4,695 |
| Return on Equity (ROE) | 4.7540% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.2296% | 3,986 |
| Net charge-offs to loans | -0.0609% | 5,236 |
| Credit loss provision to net charge-offs | -139.5349% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1186% | 1,750 |
| Assets per employee ($millions) | 7.0122% | 965 |
| Cash dividends to net income (ytd only)* | 53.0994% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,234 |
| Loan loss allowance to noncurrent loans | 502.2059% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,472 |
| Noncurrent loans to loans | 0.1885% | 4,163 |
| Net loans and leases to total assets | 46.3252% | 4,870 |
| Net loans and leases to deposits | 52.6663% | 4,951 |
| Net loans and leases to core deposits | 53.8765% | 5,007 |
| Total domestic deposits to total assets | 87.9599% | 1,525 |
| Equity capital to assets | 11.8424% | 1,948 |
| Core capital (leverage) ratio | 12.0475% | 1,579 |
| Tier 1 risk-based capital ratio | 19.1837% | 1,475 |
| Total risk-based capital ratio | 19.8918% | 1,557 |
| Memoranda: | ||
| Average total assets | $145,184,400 | 3,537 |
| Average earning assets | $140,583,200 | 3,444 |
| Average equity | $17,985,000 | 3,363 |
| Average total loans | $70,647,600 | 3,947 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3769% | 4,994 |
| Cost of funding earning assets | 0.4213% | 2,975 |
| Net interest margin | 2.9556% | 5,010 |
| Noninterest income to average assets | 0.2006% | 5,007 |
| Noninterest expense to average assets | 2.3118% | 4,267 |
| Loan and lease loss provision to assets | 0.0373% | 3,362 |
| Net operating income to assets | 0.6766% | 4,094 |
| Return on assets (ROA) | 0.6279% | 4,337 |
| Pretax return on assets | 0.6605% | 4,701 |
| Return on Equity (ROE) | 5.0090% | 4,525 |
| Retained earnings to average equity (ytd only) | 1.6300% | 4,774 |
| Net charge-offs to loans | -0.0455% | 5,140 |
| Credit loss provision to net charge-offs | -166.6667% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5258% | 1,660 |
| Assets per employee ($millions) | 6.1844% | 1,390 |
| Cash dividends to net income (ytd only)* | 67.4594% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,571 |
| Loan loss allowance to noncurrent loans | 519.3548% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 3,582 |
| Noncurrent loans to loans | 0.1734% | 4,376 |
| Net loans and leases to total assets | 49.8355% | 4,709 |
| Net loans and leases to deposits | 57.3543% | 4,800 |
| Net loans and leases to core deposits | 58.2593% | 4,904 |
| Total domestic deposits to total assets | 86.8907% | 1,909 |
| Equity capital to assets | 12.8373% | 1,471 |
| Core capital (leverage) ratio | 12.9529% | 1,226 |
| Tier 1 risk-based capital ratio | 19.5062% | 1,477 |
| Total risk-based capital ratio | 20.1918% | 1,561 |
| Memoranda: | ||
| Average total assets | $142,913,500 | 3,603 |
| Average earning assets | $138,310,250 | 3,504 |
| Average equity | $17,914,000 | 3,407 |
| Average total loans | $70,272,500 | 3,988 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 5,075 |
| Cost of funding earning assets | 0.4071% | 3,003 |
| Net interest margin | 2.9149% | 5,071 |
| Noninterest income to average assets | 0.1970% | 5,061 |
| Noninterest expense to average assets | 2.3236% | 4,282 |
| Loan and lease loss provision to assets | 0.0419% | 3,163 |
| Net operating income to assets | 0.6199% | 4,217 |
| Return on assets (ROA) | 0.5575% | 4,534 |
| Pretax return on assets | 0.5868% | 4,834 |
| Return on Equity (ROE) | 4.4835% | 4,672 |
| Retained earnings to average equity (ytd only) | -0.6180% | 5,173 |
| Net charge-offs to loans | -0.0544% | 5,214 |
| Credit loss provision to net charge-offs | -157.8947% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9907% | 1,585 |
| Assets per employee ($millions) | 6.3073% | 1,250 |
| Cash dividends to net income (ytd only)* | 113.7845% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,700 |
| Loan loss allowance to noncurrent loans | 503.2000% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,870 |
| Noncurrent loans to loans | 0.1759% | 4,418 |
| Net loans and leases to total assets | 48.5548% | 4,790 |
| Net loans and leases to deposits | 55.5817% | 4,869 |
| Net loans and leases to core deposits | 56.3442% | 4,979 |
| Total domestic deposits to total assets | 87.3576% | 1,781 |
| Equity capital to assets | 12.4074% | 1,664 |
| Core capital (leverage) ratio | 12.1744% | 1,547 |
| Tier 1 risk-based capital ratio | 18.8648% | 1,621 |
| Total risk-based capital ratio | 19.5222% | 1,744 |
| Memoranda: | ||
| Average total assets | $143,137,330 | 3,614 |
| Average earning assets | $138,528,000 | 3,516 |
| Average equity | $17,798,670 | 3,431 |
| Average total loans | $69,853,000 | 4,022 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2635% | 5,156 |
| Cost of funding earning assets | 0.4072% | 2,926 |
| Net interest margin | 2.8563% | 5,154 |
| Noninterest income to average assets | 0.3826% | 3,790 |
| Noninterest expense to average assets | 2.4083% | 4,089 |
| Loan and lease loss provision to assets | 0.0703% | 2,404 |
| Net operating income to assets | 0.6328% | 4,008 |
| Return on assets (ROA) | 0.4670% | 4,740 |
| Pretax return on assets | 0.4924% | 4,985 |
| Return on Equity (ROE) | 3.7517% | 4,866 |
| Retained earnings to average equity (ytd only) | -6.5090% | 5,463 |
| Net charge-offs to loans | -0.0404% | 5,084 |
| Credit loss provision to net charge-offs | -357.1429% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5653% | 1,824 |
| Assets per employee ($millions) | 6.2315% | 1,346 |
| Cash dividends to net income (ytd only)* | 273.4940% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 4,830 |
| Loan loss allowance to noncurrent loans | 154.5455% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 2,248 |
| Noncurrent loans to loans | 0.5697% | 3,100 |
| Net loans and leases to total assets | 48.0712% | 4,816 |
| Net loans and leases to deposits | 54.9238% | 4,888 |
| Net loans and leases to core deposits | 55.6860% | 4,995 |
| Total domestic deposits to total assets | 87.5235% | 1,975 |
| Equity capital to assets | 12.2937% | 1,665 |
| Core capital (leverage) ratio | 12.4936% | 1,343 |
| Tier 1 risk-based capital ratio | 18.7980% | 1,661 |
| Total risk-based capital ratio | 19.4437% | 1,778 |
| Memoranda: | ||
| Average total assets | $142,172,500 | 3,660 |
| Average earning assets | $137,519,000 | 3,563 |
| Average equity | $17,698,500 | 3,451 |
| Average total loans | $69,246,500 | 4,073 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 4,920 |
| Cost of funding earning assets | 0.4103% | 2,902 |
| Net interest margin | 3.0213% | 4,916 |
| Noninterest income to average assets | 0.4977% | 3,252 |
| Noninterest expense to average assets | 2.4906% | 4,044 |
| Loan and lease loss provision to assets | 0.0500% | 3,395 |
| Net operating income to assets | 0.8401% | 3,112 |
| Return on assets (ROA) | 0.8333% | 3,251 |
| Pretax return on assets | 0.8733% | 3,930 |
| Return on Equity (ROE) | 6.4864% | 3,742 |
| Retained earnings to average equity (ytd only) | 3.1293% | 3,679 |
| Net charge-offs to loans | 0.1635% | 1,645 |
| Credit loss provision to net charge-offs | 66.0377% | 3,170 |
| Earnings coverage of net charge-offs (x) | 12.2925% | 2,464 |
| Efficiency ratio | 72.8032% | 2,461 |
| Assets per employee ($millions) | 6.1313% | 1,387 |
| Cash dividends to net income (ytd only)* | 51.7566% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,983 |
| Loan loss allowance to noncurrent loans | 218.0451% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 2,700 |
| Noncurrent loans to loans | 0.3856% | 3,758 |
| Net loans and leases to total assets | 48.5059% | 4,860 |
| Net loans and leases to deposits | 55.6086% | 4,934 |
| Net loans and leases to core deposits | 56.2714% | 5,040 |
| Total domestic deposits to total assets | 87.2273% | 2,010 |
| Equity capital to assets | 12.6060% | 1,458 |
| Core capital (leverage) ratio | 12.6285% | 1,288 |
| Tier 1 risk-based capital ratio | 19.0280% | 1,592 |
| Total risk-based capital ratio | 19.6376% | 1,720 |
| Memoranda: | ||
| Average total assets | $140,045,800 | 3,672 |
| Average earning assets | $135,502,800 | 3,564 |
| Average equity | $17,991,400 | 3,410 |
| Average total loans | $64,844,600 | 4,163 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 4,938 |
| Cost of funding earning assets | 0.4120% | 2,912 |
| Net interest margin | 3.0260% | 4,961 |
| Noninterest income to average assets | 0.6037% | 2,642 |
| Noninterest expense to average assets | 2.5388% | 3,868 |
| Loan and lease loss provision to assets | 0.0381% | 3,478 |
| Net operating income to assets | 0.9065% | 2,868 |
| Return on assets (ROA) | 0.8974% | 3,058 |
| Pretax return on assets | 0.9451% | 3,829 |
| Return on Equity (ROE) | 6.9528% | 3,583 |
| Retained earnings to average equity (ytd only) | 2.4900% | 4,430 |
| Net charge-offs to loans | 0.1818% | 1,288 |
| Credit loss provision to net charge-offs | 45.9770% | 3,085 |
| Earnings coverage of net charge-offs (x) | 11.9653% | 2,431 |
| Efficiency ratio | 71.8877% | 2,595 |
| Assets per employee ($millions) | 5.7316% | 1,630 |
| Cash dividends to net income (ytd only)* | 64.1865% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 5,173 |
| Loan loss allowance to noncurrent loans | 156.7493% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 2,558 |
| Noncurrent loans to loans | 0.5141% | 3,456 |
| Net loans and leases to total assets | 50.9167% | 4,744 |
| Net loans and leases to deposits | 58.9696% | 4,823 |
| Net loans and leases to core deposits | 59.6984% | 4,947 |
| Total domestic deposits to total assets | 86.3439% | 2,194 |
| Equity capital to assets | 13.4285% | 1,278 |
| Core capital (leverage) ratio | 12.9190% | 1,219 |
| Tier 1 risk-based capital ratio | 18.5360% | 1,781 |
| Total risk-based capital ratio | 19.1260% | 1,920 |
| Memoranda: | ||
| Average total assets | $139,802,250 | 3,700 |
| Average earning assets | $135,268,000 | 3,581 |
| Average equity | $18,045,000 | 3,422 |
| Average total loans | $63,810,000 | 4,212 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4145% | 5,047 |
| Cost of funding earning assets | 0.4086% | 2,949 |
| Net interest margin | 3.0059% | 5,071 |
| Noninterest income to average assets | 0.7442% | 1,956 |
| Noninterest expense to average assets | 2.4603% | 4,148 |
| Loan and lease loss provision to assets | 0.0569% | 2,999 |
| Net operating income to assets | 1.0805% | 2,037 |
| Return on assets (ROA) | 0.9804% | 2,613 |
| Pretax return on assets | 1.0317% | 3,475 |
| Return on Equity (ROE) | 7.6972% | 3,147 |
| Retained earnings to average equity (ytd only) | 0.9496% | 5,015 |
| Net charge-offs to loans | 0.2860% | 835 |
| Credit loss provision to net charge-offs | 45.4545% | 2,714 |
| Earnings coverage of net charge-offs (x) | 9.5341% | 2,416 |
| Efficiency ratio | 67.3287% | 3,479 |
| Assets per employee ($millions) | 5.7325% | 1,599 |
| Cash dividends to net income (ytd only)* | 87.6633% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 5,051 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 3,274 |
| Noncurrent loans to loans | 0.5446% | 3,434 |
| Net loans and leases to total assets | 46.9657% | 5,070 |
| Net loans and leases to deposits | 54.4300% | 5,109 |
| Net loans and leases to core deposits | 55.0350% | 5,223 |
| Total domestic deposits to total assets | 86.2864% | 2,278 |
| Equity capital to assets | 13.4526% | 1,259 |
| Core capital (leverage) ratio | 12.3185% | 1,447 |
| Tier 1 risk-based capital ratio | 18.8548% | 1,725 |
| Total risk-based capital ratio | 19.4624% | 1,840 |
| Memoranda: | ||
| Average total assets | $140,550,330 | 3,706 |
| Average earning assets | $136,067,670 | 3,596 |
| Average equity | $17,902,670 | 3,451 |
| Average total loans | $61,543,670 | 4,296 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3869% | 5,155 |
| Cost of funding earning assets | 0.4048% | 3,012 |
| Net interest margin | 2.9821% | 5,157 |
| Noninterest income to average assets | 0.6224% | 2,400 |
| Noninterest expense to average assets | 2.4585% | 4,200 |
| Loan and lease loss provision to assets | 0.0282% | 3,287 |
| Net operating income to assets | 0.9688% | 2,421 |
| Return on assets (ROA) | 0.9688% | 2,531 |
| Pretax return on assets | 1.0195% | 3,403 |
| Return on Equity (ROE) | 7.8182% | 3,019 |
| Retained earnings to average equity (ytd only) | -5.9091% | 5,655 |
| Net charge-offs to loans | 0.5090% | 427 |
| Credit loss provision to net charge-offs | 13.1579% | 2,346 |
| Earnings coverage of net charge-offs (x) | 4.8947% | 2,381 |
| Efficiency ratio | 70.1205% | 3,099 |
| Assets per employee ($millions) | 6.1074% | 1,336 |
| Cash dividends to net income (ytd only)* | 175.5814% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 5,109 |
| Loan loss allowance to noncurrent loans | 141.7526% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 2,247 |
| Noncurrent loans to loans | 0.6245% | 3,304 |
| Net loans and leases to total assets | 43.8411% | 5,250 |
| Net loans and leases to deposits | 50.2628% | 5,325 |
| Net loans and leases to core deposits | 50.8048% | 5,413 |
| Total domestic deposits to total assets | 87.2237% | 2,089 |
| Equity capital to assets | 12.5848% | 1,629 |
| Core capital (leverage) ratio | 12.2720% | 1,450 |
| Tier 1 risk-based capital ratio | 18.3124% | 1,905 |
| Total risk-based capital ratio | 18.8952% | 2,053 |
| Memoranda: | ||
| Average total assets | $142,036,000 | 3,702 |
| Average earning assets | $137,354,500 | 3,595 |
| Average equity | $17,600,000 | 3,497 |
| Average total loans | $59,724,000 | 4,380 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2545% | 5,424 |
| Cost of funding earning assets | 0.4513% | 2,614 |
| Net interest margin | 2.8032% | 5,504 |
| Noninterest income to average assets | 1.0076% | 1,163 |
| Noninterest expense to average assets | 2.7874% | 3,288 |
| Loan and lease loss provision to assets | 0.1449% | 1,635 |
| Net operating income to assets | 0.7329% | 3,661 |
| Return on assets (ROA) | 0.7329% | 3,752 |
| Pretax return on assets | 0.7716% | 4,293 |
| Return on Equity (ROE) | 6.1153% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.6642% | 2,670 |
| Net charge-offs to loans | 0.2714% | 1,120 |
| Credit loss provision to net charge-offs | 134.6154% | 1,945 |
| Earnings coverage of net charge-offs (x) | 8.5128% | 2,938 |
| Efficiency ratio | 75.2562% | 2,389 |
| Assets per employee ($millions) | 5.9834% | 1,402 |
| Cash dividends to net income (ytd only)* | 23.7288% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 4,179 |
| Loan loss allowance to noncurrent loans | 48.7342% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1421% | 1,915 |
| Noncurrent loans to loans | 2.2054% | 899 |
| Net loans and leases to total assets | 39.4830% | 5,547 |
| Net loans and leases to deposits | 45.0782% | 5,609 |
| Net loans and leases to core deposits | 45.6443% | 5,664 |
| Total domestic deposits to total assets | 87.5878% | 1,851 |
| Equity capital to assets | 12.2019% | 1,811 |
| Core capital (leverage) ratio | 11.9859% | 1,624 |
| Tier 1 risk-based capital ratio | 19.1757% | 1,662 |
| Total risk-based capital ratio | 19.8491% | 1,756 |
| Memoranda: | ||
| Average total assets | $144,901,200 | 3,650 |
| Average earning assets | $139,374,200 | 3,546 |
| Average equity | $17,366,200 | 3,484 |
| Average total loans | $57,473,600 | 4,442 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 5,480 |
| Cost of funding earning assets | 0.4625% | 2,557 |
| Net interest margin | 2.8010% | 5,576 |
| Noninterest income to average assets | 1.1127% | 974 |
| Noninterest expense to average assets | 2.8148% | 3,125 |
| Loan and lease loss provision to assets | 0.1653% | 1,288 |
| Net operating income to assets | 0.7822% | 3,514 |
| Return on assets (ROA) | 0.7822% | 3,601 |
| Pretax return on assets | 0.8235% | 4,259 |
| Return on Equity (ROE) | 6.5560% | 3,867 |
| Retained earnings to average equity (ytd only) | 4.6169% | 3,185 |
| Net charge-offs to loans | -0.0023% | 4,717 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0043% | 2,556 |
| Assets per employee ($millions) | 3.8621% | 4,151 |
| Cash dividends to net income (ytd only)* | 29.5774% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 3,132 |
| Loan loss allowance to noncurrent loans | 59.0620% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1752% | 2,015 |
| Noncurrent loans to loans | 2.1901% | 1,006 |
| Net loans and leases to total assets | 40.7797% | 5,556 |
| Net loans and leases to deposits | 47.0183% | 5,613 |
| Net loans and leases to core deposits | 47.6338% | 5,666 |
| Total domestic deposits to total assets | 86.7314% | 2,168 |
| Equity capital to assets | 12.8615% | 1,524 |
| Core capital (leverage) ratio | 12.0601% | 1,646 |
| Tier 1 risk-based capital ratio | 18.4798% | 1,905 |
| Total risk-based capital ratio | 19.2720% | 1,990 |
| Memoranda: | ||
| Average total assets | $145,226,250 | 3,677 |
| Average earning assets | $139,516,750 | 3,579 |
| Average equity | $17,327,250 | 3,515 |
| Average total loans | $57,513,500 | 4,488 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1749% | 5,657 |
| Cost of funding earning assets | 0.4610% | 2,599 |
| Net interest margin | 2.7138% | 5,748 |
| Noninterest income to average assets | 0.4603% | 3,630 |
| Noninterest expense to average assets | 2.6478% | 3,748 |
| Loan and lease loss provision to assets | 0.0951% | 2,225 |
| Net operating income to assets | 0.3069% | 5,422 |
| Return on assets (ROA) | 0.3069% | 5,522 |
| Pretax return on assets | 0.3232% | 5,619 |
| Return on Equity (ROE) | 2.6367% | 5,521 |
| Retained earnings to average equity (ytd only) | -0.3033% | 5,568 |
| Net charge-offs to loans | 0.0487% | 2,734 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,656 |
| Efficiency ratio | 86.3596% | 1,033 |
| Assets per employee ($millions) | 3.3469% | 5,079 |
| Cash dividends to net income (ytd only)* | 111.5044% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 4,490 |
| Loan loss allowance to noncurrent loans | 51.1589% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 2,251 |
| Noncurrent loans to loans | 2.0912% | 1,153 |
| Net loans and leases to total assets | 38.8074% | 5,700 |
| Net loans and leases to deposits | 44.3033% | 5,752 |
| Net loans and leases to core deposits | 44.6675% | 5,816 |
| Total domestic deposits to total assets | 87.5950% | 1,846 |
| Equity capital to assets | 11.5297% | 2,390 |
| Core capital (leverage) ratio | 11.2588% | 2,204 |
| Tier 1 risk-based capital ratio | 17.5949% | 2,188 |
| Total risk-based capital ratio | 18.2458% | 2,354 |
| Memoranda: | ||
| Average total assets | $147,290,000 | 3,668 |
| Average earning assets | $141,423,000 | 3,579 |
| Average equity | $17,142,330 | 3,546 |
| Average total loans | $57,537,670 | 4,521 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 5,426 |
| Cost of funding earning assets | 0.4618% | 2,658 |
| Net interest margin | 2.8474% | 5,553 |
| Noninterest income to average assets | 0.2390% | 5,259 |
| Noninterest expense to average assets | 2.3353% | 4,785 |
| Loan and lease loss provision to assets | 0.0543% | 2,850 |
| Net operating income to assets | 0.5485% | 4,485 |
| Return on assets (ROA) | 0.5485% | 4,600 |
| Pretax return on assets | 0.5784% | 4,973 |
| Return on Equity (ROE) | 4.6911% | 4,669 |
| Retained earnings to average equity (ytd only) | -1.1612% | 5,576 |
| Net charge-offs to loans | 0.0279% | 2,621 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 58.2500% | 757 |
| Efficiency ratio | 78.6825% | 2,087 |
| Assets per employee ($millions) | 5.2158% | 2,089 |
| Cash dividends to net income (ytd only)* | 124.7525% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 5,025 |
| Loan loss allowance to noncurrent loans | 58.9195% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 2,650 |
| Noncurrent loans to loans | 1.6968% | 1,620 |
| Net loans and leases to total assets | 39.1924% | 5,647 |
| Net loans and leases to deposits | 44.9609% | 5,709 |
| Net loans and leases to core deposits | 45.3377% | 5,786 |
| Total domestic deposits to total assets | 87.1700% | 2,281 |
| Equity capital to assets | 11.9199% | 2,086 |
| Core capital (leverage) ratio | 11.5300% | 1,978 |
| Tier 1 risk-based capital ratio | 22.5034% | 1,169 |
| Total risk-based capital ratio | 23.2831% | 1,216 |
| Memoranda: | ||
| Average total assets | $147,303,500 | 3,693 |
| Average earning assets | $141,182,500 | 3,604 |
| Average equity | $17,224,000 | 3,562 |
| Average total loans | $57,423,000 | 4,563 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 5,652 |
| Cost of funding earning assets | 0.4884% | 2,792 |
| Net interest margin | 2.8454% | 5,734 |
| Noninterest income to average assets | 1.8023% | 401 |
| Noninterest expense to average assets | 4.0600% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4460% | 5,042 |
| Return on assets (ROA) | 0.4460% | 5,129 |
| Pretax return on assets | 0.4629% | 5,348 |
| Return on Equity (ROE) | 3.9652% | 5,132 |
| Retained earnings to average equity (ytd only) | 1.7843% | 4,920 |
| Net charge-offs to loans | 1.0100% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.2365% | 4,461 |
| Efficiency ratio | 89.7654% | 859 |
| Assets per employee ($millions) | 5.3059% | 1,951 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 5,135 |
| Loan loss allowance to noncurrent loans | 99.2933% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 3,513 |
| Noncurrent loans to loans | 0.9924% | 2,846 |
| Net loans and leases to total assets | 38.0094% | 5,850 |
| Net loans and leases to deposits | 43.3566% | 5,904 |
| Net loans and leases to core deposits | 43.7111% | 5,964 |
| Total domestic deposits to total assets | 87.6668% | 1,947 |
| Equity capital to assets | 11.4696% | 2,455 |
| Core capital (leverage) ratio | 10.8684% | 2,535 |
| Tier 1 risk-based capital ratio | 19.6570% | 1,668 |
| Total risk-based capital ratio | 20.3172% | 1,793 |
| Memoranda: | ||
| Average total assets | $147,979,200 | 3,662 |
| Average earning assets | $141,491,400 | 3,576 |
| Average equity | $16,644,800 | 3,585 |
| Average total loans | $54,849,400 | 4,659 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3300% | 5,713 |
| Cost of funding earning assets | 0.4899% | 2,861 |
| Net interest margin | 2.8401% | 5,802 |
| Noninterest income to average assets | 1.4692% | 581 |
| Noninterest expense to average assets | 3.7898% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3734% | 5,352 |
| Return on assets (ROA) | 0.3734% | 5,429 |
| Pretax return on assets | 0.3932% | 5,591 |
| Return on Equity (ROE) | 3.3361% | 5,413 |
| Retained earnings to average equity (ytd only) | 0.4110% | 5,686 |
| Net charge-offs to loans | 0.1694% | 2,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.3187% | 3,102 |
| Efficiency ratio | 90.5994% | 802 |
| Assets per employee ($millions) | 2.4341% | 6,270 |
| Cash dividends to net income (ytd only)* | 87.6809% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 1,464 |
| Loan loss allowance to noncurrent loans | 423.8866% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 4,449 |
| Noncurrent loans to loans | 0.4469% | 4,559 |
| Net loans and leases to total assets | 37.1306% | 5,983 |
| Net loans and leases to deposits | 42.4907% | 6,031 |
| Net loans and leases to core deposits | 42.9589% | 6,085 |
| Total domestic deposits to total assets | 87.3853% | 2,101 |
| Equity capital to assets | 11.5602% | 2,422 |
| Core capital (leverage) ratio | 11.1702% | 2,340 |
| Tier 1 risk-based capital ratio | 19.2214% | 1,850 |
| Total risk-based capital ratio | 20.4421% | 1,830 |
| Memoranda: | ||
| Average total assets | $147,832,500 | 3,693 |
| Average earning assets | $141,258,000 | 3,608 |
| Average equity | $16,546,000 | 3,613 |
| Average total loans | $54,304,000 | 4,720 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,760 |
| Cost of funding earning assets | 0.4862% | 2,965 |
| Net interest margin | 2.8410% | 5,834 |
| Noninterest income to average assets | 0.9243% | 1,413 |
| Noninterest expense to average assets | 3.3255% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2991% | 5,568 |
| Return on assets (ROA) | 0.2991% | 5,639 |
| Pretax return on assets | 0.3153% | 5,756 |
| Return on Equity (ROE) | 2.7018% | 5,626 |
| Retained earnings to average equity (ytd only) | -1.7160% | 5,952 |
| Net charge-offs to loans | 0.2297% | 1,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.7742% | 3,221 |
| Efficiency ratio | 91.3397% | 812 |
| Assets per employee ($millions) | 2.4860% | 6,305 |
| Cash dividends to net income (ytd only)* | 163.5135% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9455% | 1,471 |
| Loan loss allowance to noncurrent loans | 261.5385% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 4,287 |
| Noncurrent loans to loans | 0.7439% | 3,840 |
| Net loans and leases to total assets | 35.0305% | 6,105 |
| Net loans and leases to deposits | 39.8403% | 6,163 |
| Net loans and leases to core deposits | 40.1077% | 6,219 |
| Total domestic deposits to total assets | 87.9273% | 1,944 |
| Equity capital to assets | 11.1152% | 2,772 |
| Core capital (leverage) ratio | 10.9164% | 2,511 |
| Tier 1 risk-based capital ratio | 18.8111% | 1,972 |
| Total risk-based capital ratio | 20.0279% | 1,943 |
| Memoranda: | ||
| Average total assets | $148,428,670 | 3,705 |
| Average earning assets | $141,923,670 | 3,617 |
| Average equity | $16,433,670 | 3,630 |
| Average total loans | $53,980,670 | 4,747 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 5,675 |
| Cost of funding earning assets | 0.4909% | 3,002 |
| Net interest margin | 2.8972% | 5,759 |
| Noninterest income to average assets | 0.4114% | 4,094 |
| Noninterest expense to average assets | 2.9560% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2098% | 5,771 |
| Return on assets (ROA) | 0.2098% | 5,826 |
| Pretax return on assets | 0.2207% | 5,886 |
| Return on Equity (ROE) | 1.8986% | 5,810 |
| Retained earnings to average equity (ytd only) | -7.0519% | 6,244 |
| Net charge-offs to loans | 0.4974% | 737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.2090% | 3,146 |
| Efficiency ratio | 93.0532% | 813 |
| Assets per employee ($millions) | 3.2018% | 5,517 |
| Cash dividends to net income (ytd only)* | 471.4286% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 1,744 |
| Loan loss allowance to noncurrent loans | 240.8257% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 4,186 |
| Noncurrent loans to loans | 0.7897% | 3,894 |
| Net loans and leases to total assets | 36.7734% | 6,029 |
| Net loans and leases to deposits | 41.8299% | 6,083 |
| Net loans and leases to core deposits | 42.1195% | 6,153 |
| Total domestic deposits to total assets | 87.9117% | 2,283 |
| Equity capital to assets | 11.1065% | 2,622 |
| Core capital (leverage) ratio | 11.0298% | 2,354 |
| Tier 1 risk-based capital ratio | 18.6696% | 2,070 |
| Total risk-based capital ratio | 19.8835% | 2,045 |
| Memoranda: | ||
| Average total assets | $146,819,000 | 3,759 |
| Average earning assets | $140,137,500 | 3,664 |
| Average equity | $16,222,500 | 3,663 |
| Average total loans | $53,882,500 | 4,795 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 6,028 |
| Cost of funding earning assets | 0.5347% | 3,251 |
| Net interest margin | 2.7440% | 6,081 |
| Noninterest income to average assets | 1.8317% | 453 |
| Noninterest expense to average assets | 3.6369% | 1,389 |
| Loan and lease loss provision to assets | 0.0132% | 4,857 |
| Net operating income to assets | 0.7657% | 3,465 |
| Return on assets (ROA) | 0.7512% | 3,641 |
| Pretax return on assets | 0.7910% | 4,177 |
| Return on Equity (ROE) | 7.0724% | 3,530 |
| Retained earnings to average equity (ytd only) | 5.3136% | 2,412 |
| Net charge-offs to loans | 0.1855% | 2,981 |
| Credit loss provision to net charge-offs | 21.2766% | 4,424 |
| Earnings coverage of net charge-offs (x) | 13.1596% | 2,057 |
| Efficiency ratio | 81.6114% | 1,927 |
| Assets per employee ($millions) | 3.3263% | 5,232 |
| Cash dividends to net income (ytd only)* | 24.8677% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 1,294 |
| Loan loss allowance to noncurrent loans | 234.9474% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 4,206 |
| Noncurrent loans to loans | 0.9038% | 3,726 |
| Net loans and leases to total assets | 35.1460% | 6,241 |
| Net loans and leases to deposits | 39.9444% | 6,302 |
| Net loans and leases to core deposits | 40.2224% | 6,355 |
| Total domestic deposits to total assets | 87.9874% | 2,184 |
| Equity capital to assets | 10.9918% | 2,620 |
| Core capital (leverage) ratio | 10.7657% | 2,609 |
| Tier 1 risk-based capital ratio | 20.3100% | 1,584 |
| Total risk-based capital ratio | 21.5619% | 1,554 |
| Memoranda: | ||
| Average total assets | $150,950,800 | 3,686 |
| Average earning assets | $144,385,800 | 3,597 |
| Average equity | $16,034,200 | 3,695 |
| Average total loans | $50,673,000 | 4,939 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 6,120 |
| Cost of funding earning assets | 0.5394% | 3,368 |
| Net interest margin | 2.7180% | 6,143 |
| Noninterest income to average assets | 1.4131% | 738 |
| Noninterest expense to average assets | 3.5476% | 1,497 |
| Loan and lease loss provision to assets | 0.0175% | 4,662 |
| Net operating income to assets | 0.4276% | 5,123 |
| Return on assets (ROA) | 0.4085% | 5,354 |
| Pretax return on assets | 0.4295% | 5,556 |
| Return on Equity (ROE) | 3.8782% | 5,273 |
| Retained earnings to average equity (ytd only) | 1.5313% | 5,368 |
| Net charge-offs to loans | 0.2550% | 2,284 |
| Credit loss provision to net charge-offs | 20.8333% | 4,062 |
| Earnings coverage of net charge-offs (x) | 5.5520% | 3,165 |
| Efficiency ratio | 88.3624% | 1,131 |
| Assets per employee ($millions) | 2.5508% | 6,429 |
| Cash dividends to net income (ytd only)* | 60.5147% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 1,469 |
| Loan loss allowance to noncurrent loans | 199.2844% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 4,315 |
| Noncurrent loans to loans | 1.0622% | 3,678 |
| Net loans and leases to total assets | 34.2290% | 6,350 |
| Net loans and leases to deposits | 38.6682% | 6,423 |
| Net loans and leases to core deposits | 38.9289% | 6,481 |
| Total domestic deposits to total assets | 88.5199% | 1,830 |
| Equity capital to assets | 10.4362% | 3,357 |
| Core capital (leverage) ratio | 10.5892% | 2,904 |
| Tier 1 risk-based capital ratio | 18.3744% | 2,181 |
| Total risk-based capital ratio | 19.6238% | 2,151 |
| Memoranda: | ||
| Average total assets | $152,099,750 | 3,704 |
| Average earning assets | $145,594,500 | 3,616 |
| Average equity | $16,021,000 | 3,738 |
| Average total loans | $50,202,750 | 4,991 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1789% | 6,254 |
| Cost of funding earning assets | 0.5510% | 3,400 |
| Net interest margin | 2.6279% | 6,301 |
| Noninterest income to average assets | 0.8701% | 1,925 |
| Noninterest expense to average assets | 3.1539% | 2,502 |
| Loan and lease loss provision to assets | 0.0262% | 4,393 |
| Net operating income to assets | 0.1977% | 5,897 |
| Return on assets (ROA) | 0.1939% | 6,036 |
| Pretax return on assets | 0.2044% | 6,078 |
| Return on Equity (ROE) | 1.8355% | 6,006 |
| Retained earnings to average equity (ytd only) | -1.6619% | 6,151 |
| Net charge-offs to loans | 0.4818% | 1,368 |
| Credit loss provision to net charge-offs | 16.8067% | 3,797 |
| Earnings coverage of net charge-offs (x) | 1.5042% | 4,030 |
| Efficiency ratio | 93.0781% | 809 |
| Assets per employee ($millions) | 2.1526% | 6,694 |
| Cash dividends to net income (ytd only)* | 190.5405% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 1,509 |
| Loan loss allowance to noncurrent loans | 308.1921% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 4,802 |
| Noncurrent loans to loans | 0.7012% | 4,537 |
| Net loans and leases to total assets | 32.7810% | 6,471 |
| Net loans and leases to deposits | 36.9134% | 6,525 |
| Net loans and leases to core deposits | 37.1611% | 6,567 |
| Total domestic deposits to total assets | 88.8051% | 1,728 |
| Equity capital to assets | 10.1828% | 3,681 |
| Core capital (leverage) ratio | 10.0785% | 3,405 |
| Tier 1 risk-based capital ratio | 16.6875% | 2,844 |
| Total risk-based capital ratio | 17.4502% | 3,038 |
| Memoranda: | ||
| Average total assets | $152,634,670 | 3,723 |
| Average earning assets | $146,278,330 | 3,624 |
| Average equity | $16,126,000 | 3,754 |
| Average total loans | $49,394,670 | 5,050 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 6,092 |
| Cost of funding earning assets | 0.5596% | 3,477 |
| Net interest margin | 2.7707% | 6,089 |
| Noninterest income to average assets | 0.3698% | 4,708 |
| Noninterest expense to average assets | 2.9295% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0926% | 6,164 |
| Return on assets (ROA) | 0.0651% | 6,302 |
| Pretax return on assets | 0.0677% | 6,309 |
| Return on Equity (ROE) | 0.6054% | 6,309 |
| Retained earnings to average equity (ytd only) | -6.2239% | 6,430 |
| Net charge-offs to loans | 0.3685% | 1,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.8222% | 3,554 |
| Efficiency ratio | 96.8158% | 689 |
| Assets per employee ($millions) | 4.0608% | 3,821 |
| Cash dividends to net income (ytd only)* | 1,128.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3576% | 1,321 |
| Loan loss allowance to noncurrent loans | 248.3731% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 4,787 |
| Noncurrent loans to loans | 0.9492% | 4,242 |
| Net loans and leases to total assets | 30.7316% | 6,573 |
| Net loans and leases to deposits | 34.7307% | 6,611 |
| Net loans and leases to core deposits | 34.9593% | 6,652 |
| Total domestic deposits to total assets | 88.4855% | 2,018 |
| Equity capital to assets | 10.5910% | 3,443 |
| Core capital (leverage) ratio | 10.1271% | 3,246 |
| Tier 1 risk-based capital ratio | 19.3100% | 1,952 |
| Total risk-based capital ratio | 20.1177% | 2,053 |
| Memoranda: | ||
| Average total assets | $153,609,500 | 3,752 |
| Average earning assets | $147,255,000 | 3,638 |
| Average equity | $16,517,000 | 3,736 |
| Average total loans | $48,848,500 | 5,102 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 5,622 |
| Cost of funding earning assets | 0.8440% | 2,334 |
| Net interest margin | 3.0397% | 5,955 |
| Noninterest income to average assets | 1.9201% | 462 |
| Noninterest expense to average assets | 4.0841% | 880 |
| Loan and lease loss provision to assets | 0.3007% | 2,270 |
| Net operating income to assets | 0.3837% | 5,164 |
| Return on assets (ROA) | 0.3990% | 5,349 |
| Pretax return on assets | 0.4204% | 5,522 |
| Return on Equity (ROE) | 3.6578% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.9225% | 4,171 |
| Net charge-offs to loans | 0.6460% | 1,821 |
| Credit loss provision to net charge-offs | 134.7305% | 2,072 |
| Earnings coverage of net charge-offs (x) | 3.1587% | 3,856 |
| Efficiency ratio | 85.2777% | 1,494 |
| Assets per employee ($millions) | 5.2727% | 1,931 |
| Cash dividends to net income (ytd only)* | 20.1005% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4221% | 1,204 |
| Loan loss allowance to noncurrent loans | 175.2577% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 4,498 |
| Noncurrent loans to loans | 1.3820% | 3,530 |
| Net loans and leases to total assets | 31.3520% | 6,649 |
| Net loans and leases to deposits | 35.5569% | 6,694 |
| Net loans and leases to core deposits | 35.6949% | 6,735 |
| Total domestic deposits to total assets | 88.1740% | 2,117 |
| Equity capital to assets | 10.9156% | 3,050 |
| Core capital (leverage) ratio | 10.0037% | 3,389 |
| Tier 1 risk-based capital ratio | 19.3866% | 1,845 |
| Total risk-based capital ratio | 20.6395% | 1,811 |
| Memoranda: | ||
| Average total assets | $149,630,600 | 3,780 |
| Average earning assets | $141,230,000 | 3,704 |
| Average equity | $16,321,400 | 3,736 |
| Average total loans | $51,701,800 | 5,029 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 5,670 |
| Cost of funding earning assets | 0.8785% | 2,325 |
| Net interest margin | 3.0653% | 6,032 |
| Noninterest income to average assets | 1.3072% | 862 |
| Noninterest expense to average assets | 3.6735% | 1,408 |
| Loan and lease loss provision to assets | 0.3360% | 1,946 |
| Net operating income to assets | 0.1709% | 5,986 |
| Return on assets (ROA) | 0.1837% | 6,115 |
| Pretax return on assets | 0.1935% | 6,136 |
| Return on Equity (ROE) | 1.6842% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.6983% | 5,874 |
| Net charge-offs to loans | 0.7922% | 1,393 |
| Credit loss provision to net charge-offs | 120.5788% | 2,403 |
| Earnings coverage of net charge-offs (x) | 1.8521% | 4,336 |
| Efficiency ratio | 87.6818% | 1,229 |
| Assets per employee ($millions) | 2.3243% | 6,840 |
| Cash dividends to net income (ytd only)* | 58.5373% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1653% | 1,773 |
| Loan loss allowance to noncurrent loans | 136.6146% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 4,463 |
| Noncurrent loans to loans | 1.5849% | 3,409 |
| Net loans and leases to total assets | 34.5669% | 6,632 |
| Net loans and leases to deposits | 39.3313% | 6,704 |
| Net loans and leases to core deposits | 39.5060% | 6,761 |
| Total domestic deposits to total assets | 87.8865% | 2,109 |
| Equity capital to assets | 11.0298% | 3,238 |
| Core capital (leverage) ratio | 10.2931% | 3,172 |
| Tier 1 risk-based capital ratio | 17.9853% | 2,357 |
| Total risk-based capital ratio | 19.2474% | 2,323 |
| Memoranda: | ||
| Average total assets | $148,811,000 | 3,839 |
| Average earning assets | $139,927,000 | 3,768 |
| Average equity | $16,229,000 | 3,783 |
| Average total loans | $52,344,750 | 5,059 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 5,768 |
| Cost of funding earning assets | 0.9153% | 2,294 |
| Net interest margin | 3.0400% | 6,143 |
| Noninterest income to average assets | 1.0267% | 1,387 |
| Noninterest expense to average assets | 3.3756% | 2,090 |
| Loan and lease loss provision to assets | 0.3695% | 1,775 |
| Net operating income to assets | 0.1220% | 6,108 |
| Return on assets (ROA) | 0.1411% | 6,229 |
| Pretax return on assets | 0.1492% | 6,231 |
| Return on Equity (ROE) | 1.2987% | 6,235 |
| Retained earnings to average equity (ytd only) | -0.1855% | 6,076 |
| Net charge-offs to loans | 1.2052% | 897 |
| Credit loss provision to net charge-offs | 87.3016% | 3,125 |
| Earnings coverage of net charge-offs (x) | 1.1778% | 4,420 |
| Efficiency ratio | 87.1315% | 1,326 |
| Assets per employee ($millions) | 2.7082% | 6,522 |
| Cash dividends to net income (ytd only)* | 114.2857% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 2,280 |
| Loan loss allowance to noncurrent loans | 136.4116% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 4,461 |
| Noncurrent loans to loans | 1.4518% | 3,737 |
| Net loans and leases to total assets | 33.7443% | 6,738 |
| Net loans and leases to deposits | 38.2170% | 6,797 |
| Net loans and leases to core deposits | 38.3769% | 6,859 |
| Total domestic deposits to total assets | 88.2967% | 1,958 |
| Equity capital to assets | 10.7063% | 3,447 |
| Core capital (leverage) ratio | 10.1043% | 3,269 |
| Tier 1 risk-based capital ratio | 18.3171% | 2,191 |
| Total risk-based capital ratio | 19.5722% | 2,156 |
| Memoranda: | ||
| Average total assets | $148,830,670 | 3,860 |
| Average earning assets | $139,406,330 | 3,795 |
| Average equity | $16,169,670 | 3,779 |
| Average total loans | $52,274,000 | 5,098 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 5,607 |
| Cost of funding earning assets | 0.9225% | 2,497 |
| Net interest margin | 3.1268% | 5,964 |
| Noninterest income to average assets | 0.4423% | 4,354 |
| Noninterest expense to average assets | 2.9277% | 3,514 |
| Loan and lease loss provision to assets | 0.4070% | 1,553 |
| Net operating income to assets | 0.0597% | 6,317 |
| Return on assets (ROA) | 0.0597% | 6,433 |
| Pretax return on assets | 0.0597% | 6,442 |
| Return on Equity (ROE) | 0.5454% | 6,431 |
| Retained earnings to average equity (ytd only) | -2.4294% | 6,328 |
| Net charge-offs to loans | 2.1718% | 413 |
| Credit loss provision to net charge-offs | 52.8169% | 3,234 |
| Earnings coverage of net charge-offs (x) | 0.6056% | 4,033 |
| Efficiency ratio | 86.2510% | 1,458 |
| Assets per employee ($millions) | 3.3164% | 5,523 |
| Cash dividends to net income (ytd only)* | 545.4545% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,902 |
| Loan loss allowance to noncurrent loans | 37.0809% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2587% | 2,636 |
| Noncurrent loans to loans | 4.9235% | 1,148 |
| Net loans and leases to total assets | 34.6402% | 6,707 |
| Net loans and leases to deposits | 39.3842% | 6,765 |
| Net loans and leases to core deposits | 39.4792% | 6,835 |
| Total domestic deposits to total assets | 87.9546% | 2,350 |
| Equity capital to assets | 11.1209% | 2,784 |
| Core capital (leverage) ratio | 10.3577% | 2,919 |
| Tier 1 risk-based capital ratio | 19.6280% | 1,800 |
| Total risk-based capital ratio | 20.8575% | 1,786 |
| Memoranda: | ||
| Average total assets | $147,417,000 | 3,916 |
| Average earning assets | $139,183,500 | 3,833 |
| Average equity | $16,136,000 | 3,791 |
| Average total loans | $52,306,000 | 5,134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 5,487 |
| Cost of funding earning assets | 1.1790% | 2,171 |
| Net interest margin | 3.2040% | 6,081 |
| Noninterest income to average assets | 1.2112% | 902 |
| Noninterest expense to average assets | 3.2250% | 2,778 |
| Loan and lease loss provision to assets | 1.4464% | 527 |
| Net operating income to assets | -0.4363% | 6,442 |
| Return on assets (ROA) | -0.3288% | 6,417 |
| Pretax return on assets | -0.3288% | 6,372 |
| Return on Equity (ROE) | -3.0261% | 6,410 |
| Retained earnings to average equity (ytd only) | -3.0261% | 6,273 |
| Net charge-offs to loans | 3.5229% | 218 |
| Credit loss provision to net charge-offs | 104.4589% | 3,284 |
| Earnings coverage of net charge-offs (x) | 0.7295% | 5,262 |
| Efficiency ratio | 76.1507% | 2,870 |
| Assets per employee ($millions) | 3.7228% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 2,206 |
| Loan loss allowance to noncurrent loans | 49.1758% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.0892% | 2,856 |
| Noncurrent loans to loans | 4.1111% | 1,507 |
| Net loans and leases to total assets | 34.9538% | 6,820 |
| Net loans and leases to deposits | 39.5872% | 6,903 |
| Net loans and leases to core deposits | 39.6795% | 6,954 |
| Total domestic deposits to total assets | 88.2957% | 1,971 |
| Equity capital to assets | 10.7742% | 3,222 |
| Core capital (leverage) ratio | 10.0301% | 3,300 |
| Tier 1 risk-based capital ratio | 17.3459% | 2,443 |
| Total risk-based capital ratio | 18.5793% | 2,425 |
| Memoranda: | ||
| Average total assets | $144,153,400 | 3,908 |
| Average earning assets | $136,048,400 | 3,818 |
| Average equity | $15,663,800 | 3,777 |
| Average total loans | $56,658,000 | 5,000 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 5,433 |
| Cost of funding earning assets | 1.2315% | 2,111 |
| Net interest margin | 3.2174% | 6,119 |
| Noninterest income to average assets | 0.1082% | 6,712 |
| Noninterest expense to average assets | 2.1375% | 6,436 |
| Loan and lease loss provision to assets | 1.6927% | 368 |
| Net operating income to assets | -0.6836% | 6,752 |
| Return on assets (ROA) | -0.4131% | 6,642 |
| Pretax return on assets | -0.4131% | 6,575 |
| Return on Equity (ROE) | -3.7938% | 6,617 |
| Retained earnings to average equity (ytd only) | -3.7938% | 6,496 |
| Net charge-offs to loans | 3.3668% | 246 |
| Credit loss provision to net charge-offs | 124.9140% | 2,574 |
| Earnings coverage of net charge-offs (x) | 0.7447% | 5,053 |
| Efficiency ratio | 67.9312% | 4,337 |
| Assets per employee ($millions) | 8.0739% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4000% | 1,539 |
| Loan loss allowance to noncurrent loans | 74.1332% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.9776% | 3,169 |
| Noncurrent loans to loans | 3.2374% | 2,142 |
| Net loans and leases to total assets | 37.6919% | 6,789 |
| Net loans and leases to deposits | 42.5041% | 6,890 |
| Net loans and leases to core deposits | 42.6062% | 6,964 |
| Total domestic deposits to total assets | 88.6783% | 1,642 |
| Equity capital to assets | 11.0850% | 3,060 |
| Core capital (leverage) ratio | 10.5023% | 2,865 |
| Tier 1 risk-based capital ratio | 16.6476% | 2,789 |
| Total risk-based capital ratio | 17.8331% | 2,785 |
| Memoranda: | ||
| Average total assets | $142,964,000 | 3,946 |
| Average earning assets | $135,011,000 | 3,862 |
| Average equity | $15,568,750 | 3,813 |
| Average total loans | $57,541,500 | 5,016 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 5,644 |
| Cost of funding earning assets | 1.2780% | 2,071 |
| Net interest margin | 3.1330% | 6,327 |
| Noninterest income to average assets | 0.2096% | 6,164 |
| Noninterest expense to average assets | 2.2071% | 6,366 |
| Loan and lease loss provision to assets | 2.3000% | 239 |
| Net operating income to assets | -1.3181% | 7,043 |
| Return on assets (ROA) | -1.3181% | 7,052 |
| Pretax return on assets | -1.3181% | 7,006 |
| Return on Equity (ROE) | -12.1781% | 6,990 |
| Retained earnings to average equity (ytd only) | -12.1781% | 6,943 |
| Net charge-offs to loans | 4.0128% | 204 |
| Credit loss provision to net charge-offs | 140.4639% | 2,167 |
| Earnings coverage of net charge-offs (x) | 0.5997% | 4,847 |
| Efficiency ratio | 69.2104% | 4,285 |
| Assets per employee ($millions) | 7.9865% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5401% | 1,384 |
| Loan loss allowance to noncurrent loans | 287.7470% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 4,823 |
| Noncurrent loans to loans | 0.8827% | 5,200 |
| Net loans and leases to total assets | 38.8607% | 6,812 |
| Net loans and leases to deposits | 43.7532% | 6,928 |
| Net loans and leases to core deposits | 43.9529% | 7,004 |
| Total domestic deposits to total assets | 88.8179% | 1,656 |
| Equity capital to assets | 10.9365% | 3,025 |
| Core capital (leverage) ratio | 10.0570% | 3,191 |
| Tier 1 risk-based capital ratio | 16.3282% | 2,820 |
| Total risk-based capital ratio | 17.5828% | 2,786 |
| Memoranda: | ||
| Average total assets | $142,175,000 | 3,988 |
| Average earning assets | $135,206,000 | 3,879 |
| Average equity | $15,388,330 | 3,839 |
| Average total loans | $58,013,670 | 5,047 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 5,821 |
| Cost of funding earning assets | 1.3524% | 1,874 |
| Net interest margin | 3.0079% | 6,557 |
| Noninterest income to average assets | 0.2263% | 6,105 |
| Noninterest expense to average assets | 2.1700% | 6,488 |
| Loan and lease loss provision to assets | 4.5974% | 76 |
| Net operating income to assets | -3.6779% | 7,434 |
| Return on assets (ROA) | -3.6779% | 7,439 |
| Pretax return on assets | -3.6779% | 7,421 |
| Return on Equity (ROE) | -34.1622% | 7,350 |
| Retained earnings to average equity (ytd only) | -34.1622% | 7,326 |
| Net charge-offs to loans | 8.3962% | 51 |
| Credit loss provision to net charge-offs | 132.6531% | 2,093 |
| Earnings coverage of net charge-offs (x) | 0.2653% | 4,410 |
| Efficiency ratio | 70.2381% | 4,209 |
| Assets per employee ($millions) | 8.0657% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4216% | 1,578 |
| Loan loss allowance to noncurrent loans | 89.5281% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 3,790 |
| Noncurrent loans to loans | 2.7048% | 2,789 |
| Net loans and leases to total assets | 38.4405% | 6,877 |
| Net loans and leases to deposits | 42.8078% | 6,997 |
| Net loans and leases to core deposits | 43.7549% | 7,045 |
| Total domestic deposits to total assets | 89.7977% | 1,286 |
| Equity capital to assets | 10.0294% | 3,742 |
| Core capital (leverage) ratio | 9.9679% | 3,180 |
| Tier 1 risk-based capital ratio | 15.7264% | 3,039 |
| Total risk-based capital ratio | 16.9798% | 2,999 |
| Memoranda: | ||
| Average total assets | $141,384,000 | 4,039 |
| Average earning assets | $134,577,500 | 3,923 |
| Average equity | $15,221,500 | 3,859 |
| Average total loans | $58,360,000 | 5,074 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 5,395 |
| Cost of funding earning assets | 1.5050% | 2,608 |
| Net interest margin | 3.2988% | 5,980 |
| Noninterest income to average assets | 0.2133% | 6,284 |
| Noninterest expense to average assets | 2.1033% | 6,835 |
| Loan and lease loss provision to assets | 1.5653% | 931 |
| Net operating income to assets | -0.3357% | 6,248 |
| Return on assets (ROA) | -0.3647% | 6,305 |
| Pretax return on assets | -0.3837% | 6,231 |
| Return on Equity (ROE) | -3.0906% | 6,282 |
| Retained earnings to average equity (ytd only) | -5.0338% | 6,300 |
| Net charge-offs to loans | 4.9523% | 180 |
| Credit loss provision to net charge-offs | 73.3788% | 5,778 |
| Earnings coverage of net charge-offs (x) | 0.5683% | 5,541 |
| Efficiency ratio | 63.4387% | 5,438 |
| Assets per employee ($millions) | 7.6436% | 554 |
| Cash dividends to net income (ytd only)* | -62.8743% | 7,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 3,380 |
| Loan loss allowance to noncurrent loans | 93.5423% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 4,290 |
| Noncurrent loans to loans | 1.7690% | 3,857 |
| Net loans and leases to total assets | 42.5490% | 6,819 |
| Net loans and leases to deposits | 48.2180% | 6,941 |
| Net loans and leases to core deposits | 48.3267% | 7,055 |
| Total domestic deposits to total assets | 88.2429% | 2,096 |
| Equity capital to assets | 11.5434% | 2,225 |
| Core capital (leverage) ratio | 11.0334% | 2,133 |
| Tier 1 risk-based capital ratio | 17.2989% | 2,232 |
| Total risk-based capital ratio | 18.3926% | 2,260 |
| Memoranda: | ||
| Average total assets | $137,356,800 | 4,111 |
| Average earning assets | $129,166,600 | 4,036 |
| Average equity | $16,210,400 | 3,717 |
| Average total loans | $59,164,000 | 5,107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 5,577 |
| Cost of funding earning assets | 1.5310% | 2,766 |
| Net interest margin | 3.2889% | 6,054 |
| Noninterest income to average assets | 0.2496% | 6,104 |
| Noninterest expense to average assets | 2.0626% | 6,929 |
| Loan and lease loss provision to assets | 2.0101% | 594 |
| Net operating income to assets | -0.7400% | 6,756 |
| Return on assets (ROA) | -0.8536% | 6,858 |
| Pretax return on assets | -0.8536% | 6,776 |
| Return on Equity (ROE) | -7.1933% | 6,799 |
| Retained earnings to average equity (ytd only) | -8.8464% | 6,818 |
| Net charge-offs to loans | 6.4551% | 82 |
| Credit loss provision to net charge-offs | 72.3776% | 5,356 |
| Earnings coverage of net charge-offs (x) | 0.4573% | 5,564 |
| Efficiency ratio | 61.8881% | 5,641 |
| Assets per employee ($millions) | 7.5863% | 602 |
| Cash dividends to net income (ytd only)* | -22.9810% | 7,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,360 |
| Loan loss allowance to noncurrent loans | 46.9201% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 2.1955% | 3,213 |
| Noncurrent loans to loans | 3.5009% | 2,263 |
| Net loans and leases to total assets | 42.7538% | 6,922 |
| Net loans and leases to deposits | 48.9150% | 7,048 |
| Net loans and leases to core deposits | 50.2206% | 7,115 |
| Total domestic deposits to total assets | 87.4043% | 2,316 |
| Equity capital to assets | 12.3058% | 1,968 |
| Core capital (leverage) ratio | 11.2233% | 2,117 |
| Tier 1 risk-based capital ratio | 17.4910% | 2,179 |
| Total risk-based capital ratio | 18.6041% | 2,185 |
| Memoranda: | ||
| Average total assets | $137,299,750 | 4,157 |
| Average earning assets | $128,712,750 | 4,093 |
| Average equity | $16,292,500 | 3,752 |
| Average total loans | $59,073,500 | 5,185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 5,789 |
| Cost of funding earning assets | 1.5621% | 2,892 |
| Net interest margin | 3.2425% | 6,190 |
| Noninterest income to average assets | 0.2196% | 6,341 |
| Noninterest expense to average assets | 1.8859% | 7,285 |
| Loan and lease loss provision to assets | 2.9081% | 346 |
| Net operating income to assets | -1.5442% | 7,163 |
| Return on assets (ROA) | -1.7143% | 7,233 |
| Pretax return on assets | -1.7143% | 7,150 |
| Return on Equity (ROE) | -14.6260% | 7,133 |
| Retained earnings to average equity (ytd only) | -17.1319% | 7,173 |
| Net charge-offs to loans | 9.5458% | 40 |
| Credit loss provision to net charge-offs | 71.0480% | 4,942 |
| Earnings coverage of net charge-offs (x) | 0.3332% | 5,393 |
| Efficiency ratio | 58.0313% | 6,369 |
| Assets per employee ($millions) | 7.6506% | 579 |
| Cash dividends to net income (ytd only)* | -17.1332% | 7,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,412 |
| Loan loss allowance to noncurrent loans | 91.6185% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4218% | 4,341 |
| Noncurrent loans to loans | 1.7546% | 4,051 |
| Net loans and leases to total assets | 42.2693% | 7,029 |
| Net loans and leases to deposits | 47.9904% | 7,161 |
| Net loans and leases to core deposits | 49.2208% | 7,244 |
| Total domestic deposits to total assets | 88.0786% | 1,956 |
| Equity capital to assets | 11.6164% | 2,342 |
| Core capital (leverage) ratio | 10.9645% | 2,268 |
| Tier 1 risk-based capital ratio | 17.6612% | 2,052 |
| Total risk-based capital ratio | 18.7795% | 2,059 |
| Memoranda: | ||
| Average total assets | $137,548,330 | 4,186 |
| Average earning assets | $128,544,670 | 4,119 |
| Average equity | $16,122,000 | 3,774 |
| Average total loans | $58,979,000 | 5,226 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 6,067 |
| Cost of funding earning assets | 1.6130% | 2,876 |
| Net interest margin | 3.1384% | 6,494 |
| Noninterest income to average assets | 0.2008% | 6,528 |
| Noninterest expense to average assets | 1.9088% | 7,318 |
| Loan and lease loss provision to assets | 5.5286% | 128 |
| Net operating income to assets | -4.3210% | 7,739 |
| Return on assets (ROA) | -4.7168% | 7,773 |
| Pretax return on assets | -4.7168% | 7,741 |
| Return on Equity (ROE) | -40.0630% | 7,650 |
| Retained earnings to average equity (ytd only) | -45.0555% | 7,674 |
| Net charge-offs to loans | 18.2922% | 12 |
| Credit loss provision to net charge-offs | 70.5533% | 4,091 |
| Earnings coverage of net charge-offs (x) | 0.1541% | 4,896 |
| Efficiency ratio | 61.2512% | 5,953 |
| Assets per employee ($millions) | 7.6381% | 607 |
| Cash dividends to net income (ytd only)* | -12.4614% | 7,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 3,088 |
| Loan loss allowance to noncurrent loans | 124.1379% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 4,587 |
| Noncurrent loans to loans | 1.3641% | 4,698 |
| Net loans and leases to total assets | 41.0420% | 7,177 |
| Net loans and leases to deposits | 46.3870% | 7,318 |
| Net loans and leases to core deposits | 47.4491% | 7,381 |
| Total domestic deposits to total assets | 88.4774% | 1,807 |
| Equity capital to assets | 11.2913% | 2,512 |
| Core capital (leverage) ratio | 10.6712% | 2,471 |
| Tier 1 risk-based capital ratio | 17.1389% | 2,224 |
| Total risk-based capital ratio | 18.2815% | 2,209 |
| Memoranda: | ||
| Average total assets | $137,467,500 | 4,238 |
| Average earning assets | $127,708,500 | 4,196 |
| Average equity | $16,184,500 | 3,801 |
| Average total loans | $58,888,500 | 5,298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2189% | 5,561 |
| Cost of funding earning assets | 2.1467% | 2,247 |
| Net interest margin | 3.0722% | 6,461 |
| Noninterest income to average assets | 0.3049% | 5,912 |
| Noninterest expense to average assets | 1.9135% | 7,484 |
| Loan and lease loss provision to assets | 1.3826% | 1,657 |
| Net operating income to assets | -0.0563% | 5,596 |
| Return on assets (ROA) | 0.0867% | 5,291 |
| Pretax return on assets | 0.0922% | 5,238 |
| Return on Equity (ROE) | 0.6996% | 5,329 |
| Retained earnings to average equity (ytd only) | 0.0636% | 4,866 |
| Net charge-offs to loans | 1.2821% | 1,937 |
| Credit loss provision to net charge-offs | 230.0131% | 1,601 |
| Earnings coverage of net charge-offs (x) | 2.2005% | 4,075 |
| Efficiency ratio | 59.1285% | 6,603 |
| Assets per employee ($millions) | 7.6361% | 594 |
| Cash dividends to net income (ytd only)* | 90.9091% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9233% | 830 |
| Loan loss allowance to noncurrent loans | 55.6081% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.3762% | 2,924 |
| Noncurrent loans to loans | 5.2569% | 1,253 |
| Net loans and leases to total assets | 42.6435% | 7,212 |
| Net loans and leases to deposits | 48.7629% | 7,327 |
| Net loans and leases to core deposits | 52.7209% | 7,509 |
| Total domestic deposits to total assets | 87.4506% | 2,242 |
| Equity capital to assets | 12.2555% | 1,876 |
| Core capital (leverage) ratio | 11.9629% | 1,680 |
| Tier 1 risk-based capital ratio | 18.8867% | 1,676 |
| Total risk-based capital ratio | 20.1442% | 1,641 |
| Memoranda: | ||
| Average total assets | $126,938,200 | 4,400 |
| Average earning assets | $121,117,600 | 4,289 |
| Average equity | $15,722,600 | 3,914 |
| Average total loans | $59,511,000 | 5,271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 5,404 |
| Cost of funding earning assets | 2.1926% | 2,441 |
| Net interest margin | 3.1110% | 6,283 |
| Noninterest income to average assets | 0.3089% | 6,014 |
| Noninterest expense to average assets | 1.8448% | 7,616 |
| Loan and lease loss provision to assets | 1.8341% | 1,015 |
| Net operating income to assets | -0.4054% | 6,326 |
| Return on assets (ROA) | -0.4054% | 6,327 |
| Pretax return on assets | -0.3690% | 6,160 |
| Return on Equity (ROE) | -3.2638% | 6,276 |
| Retained earnings to average equity (ytd only) | -3.2638% | 5,985 |
| Net charge-offs to loans | 1.1266% | 1,780 |
| Credit loss provision to net charge-offs | 341.3174% | 1,197 |
| Earnings coverage of net charge-offs (x) | 2.7266% | 3,864 |
| Efficiency ratio | 55.7356% | 7,038 |
| Assets per employee ($millions) | 7.3045% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3343% | 487 |
| Loan loss allowance to noncurrent loans | 156.3091% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 5,132 |
| Noncurrent loans to loans | 2.1332% | 3,468 |
| Net loans and leases to total assets | 43.7021% | 7,264 |
| Net loans and leases to deposits | 50.2053% | 7,401 |
| Net loans and leases to core deposits | 54.4031% | 7,583 |
| Total domestic deposits to total assets | 87.0468% | 2,160 |
| Equity capital to assets | 12.6437% | 1,863 |
| Core capital (leverage) ratio | 12.1649% | 1,725 |
| Tier 1 risk-based capital ratio | 19.6831% | 1,623 |
| Total risk-based capital ratio | 20.9480% | 1,576 |
| Memoranda: | ||
| Average total assets | $124,310,500 | 4,491 |
| Average earning assets | $119,916,750 | 4,348 |
| Average equity | $15,442,000 | 4,017 |
| Average total loans | $59,294,250 | 5,319 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 4,941 |
| Cost of funding earning assets | 2.2810% | 2,443 |
| Net interest margin | 3.1591% | 6,066 |
| Noninterest income to average assets | 0.3100% | 6,025 |
| Noninterest expense to average assets | 1.9160% | 7,607 |
| Loan and lease loss provision to assets | 0.7546% | 2,176 |
| Net operating income to assets | 0.6578% | 3,436 |
| Return on assets (ROA) | 0.6578% | 3,546 |
| Pretax return on assets | 0.6906% | 4,032 |
| Return on Equity (ROE) | 5.3296% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.3296% | 2,336 |
| Net charge-offs to loans | 1.3773% | 1,361 |
| Credit loss provision to net charge-offs | 112.7451% | 4,109 |
| Earnings coverage of net charge-offs (x) | 2.1593% | 3,991 |
| Efficiency ratio | 57.0034% | 6,988 |
| Assets per employee ($millions) | 6.6979% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,765 |
| Loan loss allowance to noncurrent loans | 180.3063% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 6,558 |
| Noncurrent loans to loans | 0.7725% | 5,686 |
| Net loans and leases to total assets | 45.8377% | 7,205 |
| Net loans and leases to deposits | 52.7261% | 7,344 |
| Net loans and leases to core deposits | 57.2128% | 7,545 |
| Total domestic deposits to total assets | 86.9354% | 2,286 |
| Equity capital to assets | 12.6591% | 1,850 |
| Core capital (leverage) ratio | 13.0585% | 1,410 |
| Tier 1 risk-based capital ratio | 20.4566% | 1,496 |
| Total risk-based capital ratio | 21.4603% | 1,492 |
| Memoranda: | ||
| Average total assets | $121,920,330 | 4,583 |
| Average earning assets | $117,755,670 | 4,421 |
| Average equity | $15,048,000 | 4,106 |
| Average total loans | $59,245,000 | 5,370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 4,583 |
| Cost of funding earning assets | 2.3333% | 2,563 |
| Net interest margin | 3.2269% | 5,772 |
| Noninterest income to average assets | 0.3119% | 5,945 |
| Noninterest expense to average assets | 1.9019% | 7,542 |
| Loan and lease loss provision to assets | 1.0063% | 1,297 |
| Net operating income to assets | 0.4897% | 4,472 |
| Return on assets (ROA) | 0.4897% | 4,662 |
| Pretax return on assets | 0.5166% | 5,029 |
| Return on Equity (ROE) | 4.0229% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.0229% | 3,664 |
| Net charge-offs to loans | 2.6582% | 506 |
| Credit loss provision to net charge-offs | 76.1421% | 4,252 |
| Earnings coverage of net charge-offs (x) | 1.1523% | 4,176 |
| Efficiency ratio | 55.5338% | 7,029 |
| Assets per employee ($millions) | 6.4854% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,158 |
| Loan loss allowance to noncurrent loans | 145.7082% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 6,370 |
| Noncurrent loans to loans | 0.7862% | 5,476 |
| Net loans and leases to total assets | 47.5500% | 7,060 |
| Net loans and leases to deposits | 54.2704% | 7,272 |
| Net loans and leases to core deposits | 59.0342% | 7,493 |
| Total domestic deposits to total assets | 87.6167% | 1,916 |
| Equity capital to assets | 12.0035% | 2,259 |
| Core capital (leverage) ratio | 13.6695% | 1,273 |
| Tier 1 risk-based capital ratio | 20.4208% | 1,539 |
| Total risk-based capital ratio | 21.2593% | 1,575 |
| Memoranda: | ||
| Average total assets | $119,250,500 | 4,673 |
| Average earning assets | $115,032,500 | 4,499 |
| Average equity | $14,517,000 | 4,226 |
| Average total loans | $59,289,000 | 5,389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9426% | 5,839 |
| Cost of funding earning assets | 2.7437% | 2,957 |
| Net interest margin | 3.1989% | 6,368 |
| Noninterest income to average assets | 0.3488% | 5,944 |
| Noninterest expense to average assets | 1.9938% | 7,449 |
| Loan and lease loss provision to assets | 0.3336% | 3,718 |
| Net operating income to assets | 1.0507% | 2,346 |
| Return on assets (ROA) | 1.0507% | 2,242 |
| Pretax return on assets | 1.1041% | 3,013 |
| Return on Equity (ROE) | 7.6253% | 3,227 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,113 |
| Net charge-offs to loans | 0.2285% | 3,954 |
| Credit loss provision to net charge-offs | 279.8507% | 1,630 |
| Earnings coverage of net charge-offs (x) | 12.0597% | 2,298 |
| Efficiency ratio | 58.1022% | 6,681 |
| Assets per employee ($millions) | 6.4044% | 928 |
| Cash dividends to net income (ytd only)* | 36.4098% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 3,756 |
| Loan loss allowance to noncurrent loans | 94.6144% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,103 |
| Noncurrent loans to loans | 1.3776% | 3,763 |
| Net loans and leases to total assets | 50.7759% | 6,956 |
| Net loans and leases to deposits | 58.2190% | 7,194 |
| Net loans and leases to core deposits | 63.3060% | 7,467 |
| Total domestic deposits to total assets | 87.2154% | 1,831 |
| Equity capital to assets | 12.3552% | 2,082 |
| Core capital (leverage) ratio | 13.9612% | 1,266 |
| Tier 1 risk-based capital ratio | 19.4213% | 1,724 |
| Total risk-based capital ratio | 20.3372% | 1,746 |
| Memoranda: | ||
| Average total assets | $112,399,200 | 4,710 |
| Average earning assets | $108,319,400 | 4,554 |
| Average equity | $15,488,000 | 4,025 |
| Average total loans | $58,632,800 | 5,336 |