Home > First Federal Savings and Loan Association of Van Wert > Performance and Condition Ratios
First Federal Savings and Loan Association of Van Wert, 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 | 3.8303% | 4,147 |
| Cost of funding earning assets | 0.9800% | 3,341 |
| Net interest margin | 2.8503% | 3,569 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.5359% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3020% | 4,024 |
| Return on assets (ROA) | -0.0336% | 4,388 |
| Pretax return on assets | -0.0247% | 4,371 |
| Return on Equity (ROE) | -0.2300% | 4,357 |
| Retained earnings to average equity (ytd only) | -0.2251% | 4,111 |
| Net charge-offs to loans | -0.0153% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.0787% | 444 |
| Assets per employee ($millions) | 6.3098% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2084% | 4,445 |
| Loan loss allowance to noncurrent loans | 86.9198% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,488 |
| Noncurrent loans to loans | 0.2397% | 2,351 |
| Net loans and leases to total assets | 65.1500% | 2,352 |
| Net loans and leases to deposits | 77.5348% | 2,313 |
| Net loans and leases to core deposits | 88.5718% | 2,147 |
| Total domestic deposits to total assets | 84.0200% | 2,611 |
| Equity capital to assets | 14.6504% | 583 |
| Core capital (leverage) ratio | 17.1950% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $146,022,800 | 3,402 |
| Average earning assets | $133,878,800 | 3,405 |
| Average equity | $21,765,400 | 2,715 |
| Average total loans | $91,303,800 | 3,270 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,159 |
| Cost of funding earning assets | 0.8428% | 3,419 |
| Net interest margin | 2.9049% | 3,533 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.5280% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3659% | 4,018 |
| Return on assets (ROA) | 0.3650% | 4,023 |
| Pretax return on assets | 0.3779% | 4,089 |
| Return on Equity (ROE) | 2.4400% | 4,154 |
| Retained earnings to average equity (ytd only) | 2.4376% | 3,645 |
| Net charge-offs to loans | -0.0209% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.9689% | 477 |
| Assets per employee ($millions) | 6.1877% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2194% | 4,463 |
| Loan loss allowance to noncurrent loans | 54.0682% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 1,988 |
| Noncurrent loans to loans | 0.4059% | 1,816 |
| Net loans and leases to total assets | 63.0700% | 2,552 |
| Net loans and leases to deposits | 74.7238% | 2,508 |
| Net loans and leases to core deposits | 84.8671% | 2,272 |
| Total domestic deposits to total assets | 84.4100% | 2,665 |
| Equity capital to assets | 14.1417% | 625 |
| Core capital (leverage) ratio | 17.0024% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,669,500 | 3,417 |
| Average earning assets | $132,415,500 | 3,431 |
| Average equity | $21,660,250 | 2,712 |
| Average total loans | $89,415,000 | 3,295 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 4,203 |
| Cost of funding earning assets | 0.6585% | 3,605 |
| Net interest margin | 2.9876% | 3,460 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.5232% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4267% | 3,951 |
| Return on assets (ROA) | 0.4254% | 3,958 |
| Pretax return on assets | 0.4463% | 4,047 |
| Return on Equity (ROE) | 2.7900% | 4,189 |
| Retained earnings to average equity (ytd only) | 2.7879% | 3,539 |
| Net charge-offs to loans | -0.0318% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.9296% | 550 |
| Assets per employee ($millions) | 5.8499% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2271% | 4,495 |
| Loan loss allowance to noncurrent loans | 643.7500% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,597 |
| Noncurrent loans to loans | 0.0353% | 3,485 |
| Net loans and leases to total assets | 61.8800% | 2,587 |
| Net loans and leases to deposits | 74.8227% | 2,415 |
| Net loans and leases to core deposits | 82.6398% | 2,287 |
| Total domestic deposits to total assets | 82.7000% | 3,106 |
| Equity capital to assets | 14.9692% | 527 |
| Core capital (leverage) ratio | 17.4378% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $143,391,333 | 3,444 |
| Average earning assets | $131,208,667 | 3,452 |
| Average equity | $21,880,000 | 2,708 |
| Average total loans | $87,929,000 | 3,320 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 4,085 |
| Cost of funding earning assets | 0.5023% | 3,681 |
| Net interest margin | 3.1589% | 3,211 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.4908% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6028% | 3,685 |
| Return on assets (ROA) | 0.6002% | 3,655 |
| Pretax return on assets | 0.6311% | 3,793 |
| Return on Equity (ROE) | 3.9000% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.8950% | 3,302 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.7115% | 854 |
| Assets per employee ($millions) | 6.1647% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2210% | 4,558 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,576 |
| Noncurrent loans to loans | 0.0368% | 3,484 |
| Net loans and leases to total assets | 61.1400% | 2,544 |
| Net loans and leases to deposits | 73.6856% | 2,321 |
| Net loans and leases to core deposits | 80.4876% | 2,215 |
| Total domestic deposits to total assets | 82.9700% | 3,303 |
| Equity capital to assets | 15.7073% | 426 |
| Core capital (leverage) ratio | 17.6638% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $141,963,500 | 3,504 |
| Average earning assets | $129,792,500 | 3,508 |
| Average equity | $21,874,000 | 2,730 |
| Average total loans | $86,541,500 | 3,376 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 3,890 |
| Cost of funding earning assets | 0.3004% | 2,873 |
| Net interest margin | 2.8596% | 3,769 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.4135% | 2,385 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3780% | 4,268 |
| Return on assets (ROA) | 0.1949% | 4,435 |
| Pretax return on assets | 0.2083% | 4,441 |
| Return on Equity (ROE) | 1.2200% | 4,468 |
| Retained earnings to average equity (ytd only) | 1.2200% | 4,154 |
| Net charge-offs to loans | 0.0174% | 1,765 |
| Credit loss provision to net charge-offs | 114.2857% | 1,487 |
| Earnings coverage of net charge-offs (x) | 41.7857% | 1,478 |
| Efficiency ratio | 85.3420% | 443 |
| Assets per employee ($millions) | 6.4609% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2227% | 4,576 |
| Loan loss allowance to noncurrent loans | 90.1408% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 2,492 |
| Noncurrent loans to loans | 0.2471% | 2,289 |
| Net loans and leases to total assets | 60.5100% | 2,595 |
| Net loans and leases to deposits | 72.3339% | 2,385 |
| Net loans and leases to core deposits | 77.6866% | 2,303 |
| Total domestic deposits to total assets | 83.6600% | 3,283 |
| Equity capital to assets | 15.1099% | 458 |
| Core capital (leverage) ratio | 17.6692% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $141,125,200 | 3,521 |
| Average earning assets | $128,514,800 | 3,543 |
| Average equity | $22,540,200 | 2,734 |
| Average total loans | $80,683,800 | 3,407 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0999% | 3,678 |
| Cost of funding earning assets | 0.2766% | 2,422 |
| Net interest margin | 2.8233% | 3,684 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.3084% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4597% | 4,151 |
| Return on assets (ROA) | 0.4534% | 4,111 |
| Pretax return on assets | 0.4723% | 4,184 |
| Return on Equity (ROE) | 2.8000% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.8004% | 3,836 |
| Net charge-offs to loans | 0.0235% | 1,356 |
| Credit loss provision to net charge-offs | 28.5714% | 1,605 |
| Earnings coverage of net charge-offs (x) | 36.4286% | 1,425 |
| Efficiency ratio | 82.7060% | 619 |
| Assets per employee ($millions) | 6.3556% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2150% | 4,618 |
| Loan loss allowance to noncurrent loans | 109.0909% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,787 |
| Noncurrent loans to loans | 0.1971% | 2,615 |
| Net loans and leases to total assets | 59.7400% | 2,528 |
| Net loans and leases to deposits | 71.3745% | 2,258 |
| Net loans and leases to core deposits | 75.4664% | 2,240 |
| Total domestic deposits to total assets | 83.7000% | 3,559 |
| Equity capital to assets | 14.9474% | 457 |
| Core capital (leverage) ratio | 17.9788% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $140,871,750 | 3,551 |
| Average earning assets | $128,215,250 | 3,569 |
| Average equity | $22,806,000 | 2,753 |
| Average total loans | $79,303,500 | 3,435 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0346% | 3,466 |
| Cost of funding earning assets | 0.2721% | 2,002 |
| Net interest margin | 2.7625% | 3,545 |
| Noninterest income to average assets | 0.2252% | 3,844 |
| Noninterest expense to average assets | 2.2801% | 2,606 |
| Loan and lease loss provision to assets | 0.0057% | 2,500 |
| Net operating income to assets | 0.4277% | 4,058 |
| Return on assets (ROA) | 0.4277% | 4,008 |
| Pretax return on assets | 0.4560% | 4,072 |
| Return on Equity (ROE) | 2.5766% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.5766% | 3,592 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1612% | 729 |
| Assets per employee ($millions) | 6.3975% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2414% | 4,682 |
| Loan loss allowance to noncurrent loans | 587.8788% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,764 |
| Noncurrent loans to loans | 0.0411% | 3,637 |
| Net loans and leases to total assets | 56.9512% | 2,646 |
| Net loans and leases to deposits | 68.5997% | 2,336 |
| Net loans and leases to core deposits | 73.5619% | 2,202 |
| Total domestic deposits to total assets | 83.0196% | 3,871 |
| Equity capital to assets | 15.5721% | 365 |
| Core capital (leverage) ratio | 17.5585% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,221,000 | 3,592 |
| Average earning assets | $128,650,333 | 3,610 |
| Average equity | $23,441,333 | 2,785 |
| Average total loans | $77,832,667 | 3,487 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9328% | 3,445 |
| Cost of funding earning assets | 0.2818% | 1,802 |
| Net interest margin | 2.6510% | 3,522 |
| Noninterest income to average assets | 0.2375% | 3,720 |
| Noninterest expense to average assets | 2.2876% | 2,547 |
| Loan and lease loss provision to assets | 0.0113% | 2,133 |
| Net operating income to assets | 0.3082% | 4,128 |
| Return on assets (ROA) | 0.3082% | 4,096 |
| Pretax return on assets | 0.3591% | 4,100 |
| Return on Equity (ROE) | 1.8014% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.8014% | 3,596 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0638% | 734 |
| Assets per employee ($millions) | 6.8004% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2508% | 4,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.0215% | 2,756 |
| Net loans and leases to deposits | 65.6285% | 2,368 |
| Net loans and leases to core deposits | 70.8564% | 2,221 |
| Total domestic deposits to total assets | 82.3140% | 4,042 |
| Equity capital to assets | 16.2981% | 295 |
| Core capital (leverage) ratio | 17.5796% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,459,000 | 3,605 |
| Average earning assets | $129,159,500 | 3,617 |
| Average equity | $24,203,500 | 2,825 |
| Average total loans | $76,574,000 | 3,517 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0256% | 3,826 |
| Cost of funding earning assets | 0.3375% | 2,048 |
| Net interest margin | 2.6880% | 3,898 |
| Noninterest income to average assets | 0.2334% | 3,983 |
| Noninterest expense to average assets | 2.2361% | 2,979 |
| Loan and lease loss provision to assets | 0.0075% | 2,938 |
| Net operating income to assets | 0.4201% | 4,241 |
| Return on assets (ROA) | 0.4324% | 4,260 |
| Pretax return on assets | 0.4758% | 4,287 |
| Return on Equity (ROE) | 2.2956% | 4,465 |
| Retained earnings to average equity (ytd only) | 2.2956% | 3,885 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6375% | 638 |
| Assets per employee ($millions) | 6.3686% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2506% | 4,747 |
| Loan loss allowance to noncurrent loans | 327.5862% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,716 |
| Noncurrent loans to loans | 0.0765% | 3,547 |
| Net loans and leases to total assets | 53.9697% | 2,859 |
| Net loans and leases to deposits | 66.8887% | 2,419 |
| Net loans and leases to core deposits | 72.0718% | 2,250 |
| Total domestic deposits to total assets | 80.6859% | 4,145 |
| Equity capital to assets | 17.9373% | 261 |
| Core capital (leverage) ratio | 17.8295% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,672,000 | 3,641 |
| Average earning assets | $122,952,400 | 3,653 |
| Average equity | $25,178,600 | 2,835 |
| Average total loans | $71,094,000 | 3,623 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0907% | 3,832 |
| Cost of funding earning assets | 0.3475% | 2,140 |
| Net interest margin | 2.7431% | 3,895 |
| Noninterest income to average assets | 0.2322% | 4,009 |
| Noninterest expense to average assets | 2.2080% | 3,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5042% | 4,195 |
| Return on assets (ROA) | 0.5199% | 4,210 |
| Pretax return on assets | 0.5674% | 4,275 |
| Return on Equity (ROE) | 2.7259% | 4,497 |
| Retained earnings to average equity (ytd only) | 2.7259% | 3,992 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0512% | 739 |
| Assets per employee ($millions) | 6.4866% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2470% | 4,832 |
| Loan loss allowance to noncurrent loans | 195.6522% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,653 |
| Noncurrent loans to loans | 0.1262% | 3,473 |
| Net loans and leases to total assets | 53.3725% | 3,036 |
| Net loans and leases to deposits | 66.7974% | 2,558 |
| Net loans and leases to core deposits | 72.3701% | 2,397 |
| Total domestic deposits to total assets | 79.9021% | 4,239 |
| Equity capital to assets | 18.5967% | 248 |
| Core capital (leverage) ratio | 18.2025% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,062,500 | 3,695 |
| Average earning assets | $121,611,000 | 3,705 |
| Average equity | $25,190,250 | 2,871 |
| Average total loans | $69,915,750 | 3,702 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1220% | 3,818 |
| Cost of funding earning assets | 0.3533% | 2,286 |
| Net interest margin | 2.7687% | 3,851 |
| Noninterest income to average assets | 0.2342% | 4,002 |
| Noninterest expense to average assets | 2.2238% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5204% | 4,177 |
| Return on assets (ROA) | 0.5204% | 4,223 |
| Pretax return on assets | 0.5647% | 4,288 |
| Return on Equity (ROE) | 2.7045% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.7045% | 3,939 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7475% | 801 |
| Assets per employee ($millions) | 6.6616% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2502% | 4,862 |
| Loan loss allowance to noncurrent loans | 321.4286% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,970 |
| Noncurrent loans to loans | 0.0778% | 3,798 |
| Net loans and leases to total assets | 53.8654% | 3,147 |
| Net loans and leases to deposits | 67.6489% | 2,654 |
| Net loans and leases to core deposits | 71.7402% | 2,626 |
| Total domestic deposits to total assets | 79.6250% | 4,279 |
| Equity capital to assets | 18.9234% | 226 |
| Core capital (leverage) ratio | 18.2817% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,677,333 | 3,718 |
| Average earning assets | $120,563,000 | 3,724 |
| Average equity | $25,143,000 | 2,870 |
| Average total loans | $68,926,667 | 3,744 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 3,530 |
| Cost of funding earning assets | 0.3645% | 2,407 |
| Net interest margin | 2.9026% | 3,512 |
| Noninterest income to average assets | 0.2318% | 3,996 |
| Noninterest expense to average assets | 2.1175% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7573% | 3,553 |
| Return on assets (ROA) | 0.7573% | 3,624 |
| Pretax return on assets | 0.7975% | 3,817 |
| Return on Equity (ROE) | 3.9031% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.9031% | 3,531 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6405% | 1,440 |
| Assets per employee ($millions) | 6.6157% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2654% | 4,893 |
| Loan loss allowance to noncurrent loans | 947.3684% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,274 |
| Noncurrent loans to loans | 0.0280% | 4,149 |
| Net loans and leases to total assets | 51.1246% | 3,529 |
| Net loans and leases to deposits | 64.1191% | 3,115 |
| Net loans and leases to core deposits | 68.0123% | 3,056 |
| Total domestic deposits to total assets | 79.7338% | 4,235 |
| Equity capital to assets | 18.9013% | 228 |
| Core capital (leverage) ratio | 18.8603% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,400,000 | 3,747 |
| Average earning assets | $119,616,500 | 3,748 |
| Average equity | $25,108,500 | 2,865 |
| Average total loans | $67,417,000 | 3,786 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3748% | 4,231 |
| Cost of funding earning assets | 0.4510% | 3,272 |
| Net interest margin | 2.9238% | 4,066 |
| Noninterest income to average assets | 0.2338% | 4,099 |
| Noninterest expense to average assets | 2.2288% | 3,600 |
| Loan and lease loss provision to assets | 0.0108% | 4,227 |
| Net operating income to assets | 0.6281% | 3,656 |
| Return on assets (ROA) | 0.6326% | 3,769 |
| Pretax return on assets | 0.6923% | 3,896 |
| Return on Equity (ROE) | 3.1148% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.1148% | 3,282 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1473% | 1,209 |
| Assets per employee ($millions) | 6.3243% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2686% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.8351% | 3,595 |
| Net loans and leases to deposits | 67.1804% | 3,164 |
| Net loans and leases to core deposits | 71.5483% | 3,123 |
| Total domestic deposits to total assets | 78.6466% | 4,245 |
| Equity capital to assets | 19.9295% | 204 |
| Core capital (leverage) ratio | 19.2492% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,604,400 | 3,740 |
| Average earning assets | $111,086,800 | 3,750 |
| Average equity | $24,495,600 | 2,841 |
| Average total loans | $63,726,000 | 3,853 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 4,221 |
| Cost of funding earning assets | 0.4682% | 3,430 |
| Net interest margin | 3.0255% | 3,914 |
| Noninterest income to average assets | 0.2339% | 4,098 |
| Noninterest expense to average assets | 2.2215% | 3,632 |
| Loan and lease loss provision to assets | 0.0143% | 4,141 |
| Net operating income to assets | 0.7213% | 3,387 |
| Return on assets (ROA) | 0.7275% | 3,464 |
| Pretax return on assets | 0.7890% | 3,675 |
| Return on Equity (ROE) | 3.5639% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.5639% | 3,274 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6003% | 1,451 |
| Assets per employee ($millions) | 6.1806% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2740% | 4,941 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,147 |
| Noncurrent loans to loans | 0.1096% | 3,928 |
| Net loans and leases to total assets | 53.0013% | 3,891 |
| Net loans and leases to deposits | 67.7455% | 3,487 |
| Net loans and leases to core deposits | 71.8125% | 3,488 |
| Total domestic deposits to total assets | 78.2359% | 4,160 |
| Equity capital to assets | 20.3006% | 197 |
| Core capital (leverage) ratio | 19.5220% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,134,000 | 3,749 |
| Average earning assets | $109,643,000 | 3,761 |
| Average equity | $24,317,500 | 2,851 |
| Average total loans | $62,905,250 | 3,887 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 4,484 |
| Cost of funding earning assets | 0.4789% | 3,662 |
| Net interest margin | 2.9694% | 4,189 |
| Noninterest income to average assets | 0.2363% | 4,061 |
| Noninterest expense to average assets | 2.2441% | 3,670 |
| Loan and lease loss provision to assets | 0.0153% | 4,037 |
| Net operating income to assets | 0.6445% | 3,598 |
| Return on assets (ROA) | 0.6460% | 3,682 |
| Pretax return on assets | 0.7089% | 3,854 |
| Return on Equity (ROE) | 3.1589% | 4,312 |
| Retained earnings to average equity (ytd only) | 3.1589% | 3,321 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6447% | 1,296 |
| Assets per employee ($millions) | 6.4091% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2814% | 4,964 |
| Loan loss allowance to noncurrent loans | 244.4444% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 4,235 |
| Noncurrent loans to loans | 0.1151% | 3,989 |
| Net loans and leases to total assets | 51.2261% | 4,077 |
| Net loans and leases to deposits | 65.4664% | 3,767 |
| Net loans and leases to core deposits | 68.8753% | 3,799 |
| Total domestic deposits to total assets | 78.2479% | 4,154 |
| Equity capital to assets | 20.3618% | 199 |
| Core capital (leverage) ratio | 19.7883% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,641,333 | 3,754 |
| Average earning assets | $108,169,667 | 3,768 |
| Average equity | $24,058,667 | 2,852 |
| Average total loans | $61,975,000 | 3,908 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,417 |
| Cost of funding earning assets | 0.4973% | 3,958 |
| Net interest margin | 3.1913% | 3,882 |
| Noninterest income to average assets | 0.2388% | 4,127 |
| Noninterest expense to average assets | 2.3015% | 3,769 |
| Loan and lease loss provision to assets | 0.0138% | 3,609 |
| Net operating income to assets | 0.7824% | 2,965 |
| Return on assets (ROA) | 0.7856% | 3,041 |
| Pretax return on assets | 0.8583% | 3,257 |
| Return on Equity (ROE) | 3.8328% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.8328% | 2,742 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5983% | 1,989 |
| Assets per employee ($millions) | 6.0857% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2759% | 5,007 |
| Loan loss allowance to noncurrent loans | 589.6552% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,500 |
| Noncurrent loans to loans | 0.0468% | 4,366 |
| Net loans and leases to total assets | 53.4442% | 4,028 |
| Net loans and leases to deposits | 68.2440% | 3,715 |
| Net loans and leases to core deposits | 71.6520% | 3,775 |
| Total domestic deposits to total assets | 78.3134% | 4,166 |
| Equity capital to assets | 20.3902% | 227 |
| Core capital (leverage) ratio | 20.3878% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,576,000 | 3,770 |
| Average earning assets | $106,164,000 | 3,783 |
| Average equity | $23,690,500 | 2,872 |
| Average total loans | $61,685,000 | 3,928 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 4,784 |
| Cost of funding earning assets | 0.4599% | 4,237 |
| Net interest margin | 3.1334% | 4,319 |
| Noninterest income to average assets | 0.2538% | 4,157 |
| Noninterest expense to average assets | 2.4204% | 3,631 |
| Loan and lease loss provision to assets | 0.0027% | 3,946 |
| Net operating income to assets | 0.6533% | 4,006 |
| Return on assets (ROA) | 0.6599% | 4,061 |
| Pretax return on assets | 0.7195% | 4,163 |
| Return on Equity (ROE) | 3.1990% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.1990% | 3,421 |
| Net charge-offs to loans | -0.0122% | 4,522 |
| Credit loss provision to net charge-offs | -42.8571% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1940% | 1,240 |
| Assets per employee ($millions) | 5.5011% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2720% | 5,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 53.0068% | 4,144 |
| Net loans and leases to deposits | 67.8557% | 3,830 |
| Net loans and leases to core deposits | 71.2491% | 3,897 |
| Total domestic deposits to total assets | 78.1169% | 4,341 |
| Equity capital to assets | 20.6054% | 224 |
| Core capital (leverage) ratio | 20.3206% | 228 |
| Tier 1 risk-based capital ratio | 44.7584% | 179 |
| Total risk-based capital ratio | 45.0785% | 188 |
| Memoranda: | ||
| Average total assets | $112,294,200 | 3,800 |
| Average earning assets | $103,274,200 | 3,813 |
| Average equity | $23,163,400 | 2,859 |
| Average total loans | $57,307,800 | 4,024 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 4,875 |
| Cost of funding earning assets | 0.4500% | 4,327 |
| Net interest margin | 3.1601% | 4,379 |
| Noninterest income to average assets | 0.2535% | 4,220 |
| Noninterest expense to average assets | 2.4050% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7023% | 4,008 |
| Return on assets (ROA) | 0.7068% | 4,057 |
| Pretax return on assets | 0.7594% | 4,216 |
| Return on Equity (ROE) | 3.4255% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.4255% | 3,698 |
| Net charge-offs to loans | -0.0166% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1166% | 1,318 |
| Assets per employee ($millions) | 5.9694% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2749% | 5,129 |
| Loan loss allowance to noncurrent loans | 145.1327% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,215 |
| Noncurrent loans to loans | 0.1894% | 3,860 |
| Net loans and leases to total assets | 52.4502% | 4,287 |
| Net loans and leases to deposits | 67.4750% | 3,957 |
| Net loans and leases to core deposits | 70.2910% | 4,045 |
| Total domestic deposits to total assets | 77.7328% | 4,402 |
| Equity capital to assets | 20.8926% | 223 |
| Core capital (leverage) ratio | 20.5769% | 225 |
| Tier 1 risk-based capital ratio | 45.8080% | 171 |
| Total risk-based capital ratio | 46.1318% | 177 |
| Memoranda: | ||
| Average total assets | $111,487,000 | 3,855 |
| Average earning assets | $102,526,000 | 3,865 |
| Average equity | $23,003,250 | 2,889 |
| Average total loans | $56,284,250 | 4,091 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5453% | 4,979 |
| Cost of funding earning assets | 0.4378% | 4,364 |
| Net interest margin | 3.1076% | 4,519 |
| Noninterest income to average assets | 0.2580% | 4,207 |
| Noninterest expense to average assets | 2.4088% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6573% | 4,139 |
| Return on assets (ROA) | 0.6640% | 4,173 |
| Pretax return on assets | 0.7127% | 4,302 |
| Return on Equity (ROE) | 3.2320% | 4,742 |
| Retained earnings to average equity (ytd only) | 3.2320% | 3,611 |
| Net charge-offs to loans | -0.0254% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3465% | 1,235 |
| Assets per employee ($millions) | 5.9213% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2853% | 5,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.9497% | 4,412 |
| Net loans and leases to deposits | 65.3827% | 4,135 |
| Net loans and leases to core deposits | 67.3224% | 4,246 |
| Total domestic deposits to total assets | 77.9254% | 4,412 |
| Equity capital to assets | 20.7600% | 221 |
| Core capital (leverage) ratio | 20.5139% | 222 |
| Tier 1 risk-based capital ratio | 47.4064% | 153 |
| Total risk-based capital ratio | 47.7448% | 158 |
| Memoranda: | ||
| Average total assets | $110,843,330 | 3,889 |
| Average earning assets | $101,880,330 | 3,900 |
| Average equity | $22,772,330 | 2,904 |
| Average total loans | $55,161,670 | 4,143 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 5,002 |
| Cost of funding earning assets | 0.4235% | 4,387 |
| Net interest margin | 3.1267% | 4,544 |
| Noninterest income to average assets | 0.2509% | 4,216 |
| Noninterest expense to average assets | 2.3961% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6799% | 4,001 |
| Return on assets (ROA) | 0.6799% | 4,040 |
| Pretax return on assets | 0.7272% | 4,236 |
| Return on Equity (ROE) | 3.3273% | 4,716 |
| Retained earnings to average equity (ytd only) | 3.3273% | 3,588 |
| Net charge-offs to loans | -0.0519% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7171% | 1,415 |
| Assets per employee ($millions) | 5.8292% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3023% | 5,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.8402% | 4,535 |
| Net loans and leases to deposits | 62.4724% | 4,275 |
| Net loans and leases to core deposits | 64.3482% | 4,361 |
| Total domestic deposits to total assets | 78.1789% | 4,488 |
| Equity capital to assets | 20.6158% | 219 |
| Core capital (leverage) ratio | 20.6799% | 214 |
| Tier 1 risk-based capital ratio | 49.3837% | 137 |
| Total risk-based capital ratio | 49.7389% | 144 |
| Memoranda: | ||
| Average total assets | $110,012,500 | 3,934 |
| Average earning assets | $101,064,500 | 3,957 |
| Average equity | $22,480,500 | 2,926 |
| Average total loans | $54,000,000 | 4,211 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3543% | 5,045 |
| Cost of funding earning assets | 0.3815% | 4,096 |
| Net interest margin | 2.9728% | 4,829 |
| Noninterest income to average assets | 0.2800% | 4,230 |
| Noninterest expense to average assets | 2.4222% | 3,824 |
| Loan and lease loss provision to assets | 0.0028% | 4,053 |
| Net operating income to assets | 0.5601% | 4,524 |
| Return on assets (ROA) | 0.5646% | 4,516 |
| Pretax return on assets | 0.5867% | 4,658 |
| Return on Equity (ROE) | 2.8154% | 4,935 |
| Retained earnings to average equity (ytd only) | 2.8154% | 3,995 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5513% | 912 |
| Assets per employee ($millions) | 5.7511% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2903% | 5,286 |
| Loan loss allowance to noncurrent loans | 91.2281% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 4,042 |
| Noncurrent loans to loans | 0.3182% | 3,414 |
| Net loans and leases to total assets | 49.0409% | 4,577 |
| Net loans and leases to deposits | 62.4470% | 4,352 |
| Net loans and leases to core deposits | 64.3386% | 4,439 |
| Total domestic deposits to total assets | 78.5321% | 4,406 |
| Equity capital to assets | 20.2508% | 221 |
| Core capital (leverage) ratio | 20.8647% | 202 |
| Tier 1 risk-based capital ratio | 49.3567% | 137 |
| Total risk-based capital ratio | 49.6975% | 143 |
| Memoranda: | ||
| Average total assets | $108,578,800 | 3,962 |
| Average earning assets | $99,603,200 | 3,984 |
| Average equity | $21,772,800 | 2,911 |
| Average total loans | $50,898,600 | 4,296 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3463% | 5,089 |
| Cost of funding earning assets | 0.3755% | 4,017 |
| Net interest margin | 2.9708% | 4,888 |
| Noninterest income to average assets | 0.2866% | 4,238 |
| Noninterest expense to average assets | 2.4082% | 3,839 |
| Loan and lease loss provision to assets | 0.0037% | 3,901 |
| Net operating income to assets | 0.5718% | 4,583 |
| Return on assets (ROA) | 0.5695% | 4,593 |
| Pretax return on assets | 0.5965% | 4,739 |
| Return on Equity (ROE) | 2.8469% | 5,023 |
| Retained earnings to average equity (ytd only) | 2.8469% | 4,298 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9837% | 943 |
| Assets per employee ($millions) | 5.6417% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3016% | 5,354 |
| Loan loss allowance to noncurrent loans | 91.2281% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 4,160 |
| Noncurrent loans to loans | 0.3306% | 3,486 |
| Net loans and leases to total assets | 48.1034% | 4,714 |
| Net loans and leases to deposits | 61.2598% | 4,482 |
| Net loans and leases to core deposits | 63.5325% | 4,547 |
| Total domestic deposits to total assets | 78.5236% | 4,402 |
| Equity capital to assets | 20.1797% | 226 |
| Core capital (leverage) ratio | 20.7098% | 205 |
| Tier 1 risk-based capital ratio | 50.9945% | 127 |
| Total risk-based capital ratio | 51.3487% | 129 |
| Memoranda: | ||
| Average total assets | $108,406,000 | 4,011 |
| Average earning assets | $99,410,500 | 4,024 |
| Average equity | $21,684,000 | 2,935 |
| Average total loans | $50,187,500 | 4,358 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 5,182 |
| Cost of funding earning assets | 0.3685% | 3,949 |
| Net interest margin | 2.8858% | 5,029 |
| Noninterest income to average assets | 0.2978% | 4,189 |
| Noninterest expense to average assets | 2.4005% | 3,900 |
| Loan and lease loss provision to assets | 0.0055% | 3,721 |
| Net operating income to assets | 0.5034% | 4,743 |
| Return on assets (ROA) | 0.5000% | 4,754 |
| Pretax return on assets | 0.5367% | 4,841 |
| Return on Equity (ROE) | 2.5067% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.5067% | 4,252 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4722% | 877 |
| Assets per employee ($millions) | 5.4454% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3111% | 5,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 45.9061% | 4,831 |
| Net loans and leases to deposits | 58.1838% | 4,633 |
| Net loans and leases to core deposits | 60.3746% | 4,686 |
| Total domestic deposits to total assets | 78.8985% | 4,443 |
| Equity capital to assets | 19.8591% | 235 |
| Core capital (leverage) ratio | 20.3894% | 210 |
| Tier 1 risk-based capital ratio | 50.9641% | 126 |
| Total risk-based capital ratio | 51.3213% | 131 |
| Memoranda: | ||
| Average total assets | $108,810,670 | 4,038 |
| Average earning assets | $99,868,000 | 4,051 |
| Average equity | $21,701,670 | 2,949 |
| Average total loans | $49,677,000 | 4,409 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 5,185 |
| Cost of funding earning assets | 0.3604% | 3,911 |
| Net interest margin | 2.8992% | 5,029 |
| Noninterest income to average assets | 0.2979% | 4,172 |
| Noninterest expense to average assets | 2.4200% | 3,892 |
| Loan and lease loss provision to assets | 0.0110% | 3,382 |
| Net operating income to assets | 0.4781% | 4,745 |
| Return on assets (ROA) | 0.4781% | 4,748 |
| Pretax return on assets | 0.5296% | 4,827 |
| Return on Equity (ROE) | 2.3921% | 5,123 |
| Retained earnings to average equity (ytd only) | 2.3921% | 4,209 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7391% | 977 |
| Assets per employee ($millions) | 5.7337% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3145% | 5,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.3842% | 4,825 |
| Net loans and leases to deposits | 57.4439% | 4,618 |
| Net loans and leases to core deposits | 59.5328% | 4,680 |
| Total domestic deposits to total assets | 79.0061% | 4,578 |
| Equity capital to assets | 19.7933% | 223 |
| Core capital (leverage) ratio | 20.5300% | 193 |
| Tier 1 risk-based capital ratio | 51.0329% | 125 |
| Total risk-based capital ratio | 51.3930% | 127 |
| Memoranda: | ||
| Average total assets | $108,762,500 | 4,088 |
| Average earning assets | $99,888,500 | 4,100 |
| Average equity | $21,738,500 | 2,974 |
| Average total loans | $49,440,000 | 4,453 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0782% | 5,310 |
| Cost of funding earning assets | 0.3515% | 3,705 |
| Net interest margin | 2.7267% | 5,251 |
| Noninterest income to average assets | 0.4272% | 3,460 |
| Noninterest expense to average assets | 2.3926% | 4,098 |
| Loan and lease loss provision to assets | 0.0138% | 4,012 |
| Net operating income to assets | 0.4499% | 4,535 |
| Return on assets (ROA) | 0.5001% | 4,413 |
| Pretax return on assets | 0.5850% | 4,772 |
| Return on Equity (ROE) | 2.4826% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.4826% | 3,843 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5922% | 956 |
| Assets per employee ($millions) | 5.7149% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3105% | 5,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 45.2452% | 4,928 |
| Net loans and leases to deposits | 57.5254% | 4,720 |
| Net loans and leases to core deposits | 59.6334% | 4,772 |
| Total domestic deposits to total assets | 78.6525% | 4,616 |
| Equity capital to assets | 20.1816% | 199 |
| Core capital (leverage) ratio | 20.4290% | 190 |
| Tier 1 risk-based capital ratio | 51.1650% | 117 |
| Total risk-based capital ratio | 51.5211% | 118 |
| Memoranda: | ||
| Average total assets | $108,377,600 | 4,094 |
| Average earning assets | $99,571,400 | 4,105 |
| Average equity | $21,832,200 | 2,968 |
| Average total loans | $48,666,800 | 4,495 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0925% | 5,344 |
| Cost of funding earning assets | 0.3444% | 3,728 |
| Net interest margin | 2.7482% | 5,282 |
| Noninterest income to average assets | 0.4677% | 3,233 |
| Noninterest expense to average assets | 2.3939% | 4,035 |
| Loan and lease loss provision to assets | 0.0135% | 3,878 |
| Net operating income to assets | 0.5631% | 4,534 |
| Return on assets (ROA) | 0.6363% | 4,305 |
| Pretax return on assets | 0.6610% | 4,699 |
| Return on Equity (ROE) | 3.1603% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.1603% | 4,024 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0082% | 1,104 |
| Assets per employee ($millions) | 5.6479% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3059% | 5,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 45.5610% | 4,960 |
| Net loans and leases to deposits | 58.3764% | 4,734 |
| Net loans and leases to core deposits | 60.5586% | 4,790 |
| Total domestic deposits to total assets | 78.0470% | 4,715 |
| Equity capital to assets | 20.6559% | 202 |
| Core capital (leverage) ratio | 20.5392% | 192 |
| Tier 1 risk-based capital ratio | 51.7233% | 118 |
| Total risk-based capital ratio | 52.0767% | 121 |
| Memoranda: | ||
| Average total assets | $108,326,000 | 4,129 |
| Average earning assets | $99,506,750 | 4,149 |
| Average equity | $21,811,750 | 2,998 |
| Average total loans | $48,513,000 | 4,544 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0731% | 5,369 |
| Cost of funding earning assets | 0.3408% | 3,679 |
| Net interest margin | 2.7323% | 5,331 |
| Noninterest income to average assets | 0.5503% | 2,714 |
| Noninterest expense to average assets | 2.3835% | 4,097 |
| Loan and lease loss provision to assets | 0.0147% | 3,661 |
| Net operating income to assets | 0.6394% | 4,130 |
| Return on assets (ROA) | 0.7233% | 3,813 |
| Pretax return on assets | 0.7473% | 4,442 |
| Return on Equity (ROE) | 3.6232% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.6232% | 3,551 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9182% | 1,473 |
| Assets per employee ($millions) | 5.6979% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2984% | 5,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 45.0541% | 4,987 |
| Net loans and leases to deposits | 57.5392% | 4,767 |
| Net loans and leases to core deposits | 59.6626% | 4,834 |
| Total domestic deposits to total assets | 78.3015% | 4,771 |
| Equity capital to assets | 20.4469% | 208 |
| Core capital (leverage) ratio | 20.1423% | 201 |
| Tier 1 risk-based capital ratio | 51.0296% | 114 |
| Total risk-based capital ratio | 51.3709% | 116 |
| Memoranda: | ||
| Average total assets | $108,664,330 | 4,154 |
| Average earning assets | $99,769,330 | 4,166 |
| Average equity | $21,693,670 | 3,008 |
| Average total loans | $48,336,670 | 4,569 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0613% | 5,402 |
| Cost of funding earning assets | 0.3366% | 3,676 |
| Net interest margin | 2.7248% | 5,359 |
| Noninterest income to average assets | 0.8267% | 1,464 |
| Noninterest expense to average assets | 2.3772% | 4,187 |
| Loan and lease loss provision to assets | 0.0147% | 3,374 |
| Net operating income to assets | 0.9175% | 2,675 |
| Return on assets (ROA) | 1.0472% | 2,132 |
| Pretax return on assets | 1.0655% | 3,106 |
| Return on Equity (ROE) | 5.3091% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.3091% | 2,733 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4917% | 2,664 |
| Assets per employee ($millions) | 5.7742% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2936% | 5,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.9522% | 5,045 |
| Net loans and leases to deposits | 55.6254% | 4,842 |
| Net loans and leases to core deposits | 57.6305% | 4,896 |
| Total domestic deposits to total assets | 79.0147% | 4,822 |
| Equity capital to assets | 19.7876% | 218 |
| Core capital (leverage) ratio | 19.9402% | 198 |
| Tier 1 risk-based capital ratio | 50.4658% | 125 |
| Total risk-based capital ratio | 50.7956% | 129 |
| Memoranda: | ||
| Average total assets | $108,866,000 | 4,192 |
| Average earning assets | $99,825,500 | 4,203 |
| Average equity | $21,472,500 | 3,036 |
| Average total loans | $48,044,000 | 4,626 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9623% | 5,529 |
| Cost of funding earning assets | 0.3355% | 3,688 |
| Net interest margin | 2.6268% | 5,488 |
| Noninterest income to average assets | 0.2815% | 4,729 |
| Noninterest expense to average assets | 2.3145% | 4,527 |
| Loan and lease loss provision to assets | 0.0264% | 3,824 |
| Net operating income to assets | 0.3214% | 5,165 |
| Return on assets (ROA) | 0.3707% | 5,115 |
| Pretax return on assets | 0.4299% | 5,160 |
| Return on Equity (ROE) | 2.0564% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.0564% | 4,370 |
| Net charge-offs to loans | 0.1017% | 2,259 |
| Credit loss provision to net charge-offs | 60.4167% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.1250% | 2,780 |
| Efficiency ratio | 85.2971% | 879 |
| Assets per employee ($millions) | 5.6854% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2892% | 5,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 44.0540% | 5,113 |
| Net loans and leases to deposits | 55.6643% | 4,930 |
| Net loans and leases to core deposits | 58.0511% | 4,961 |
| Total domestic deposits to total assets | 79.1422% | 4,761 |
| Equity capital to assets | 19.6590% | 216 |
| Core capital (leverage) ratio | 19.9453% | 197 |
| Tier 1 risk-based capital ratio | 50.4649% | 133 |
| Total risk-based capital ratio | 50.7897% | 135 |
| Memoranda: | ||
| Average total assets | $109,787,600 | 4,169 |
| Average earning assets | $101,643,400 | 4,176 |
| Average equity | $19,792,200 | 3,191 |
| Average total loans | $47,187,200 | 4,661 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 5,602 |
| Cost of funding earning assets | 0.3295% | 3,782 |
| Net interest margin | 2.6295% | 5,565 |
| Noninterest income to average assets | 0.2818% | 4,748 |
| Noninterest expense to average assets | 2.2946% | 4,544 |
| Loan and lease loss provision to assets | 0.0315% | 3,598 |
| Net operating income to assets | 0.3364% | 5,196 |
| Return on assets (ROA) | 0.4004% | 5,113 |
| Pretax return on assets | 0.4741% | 5,183 |
| Return on Equity (ROE) | 2.2712% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.2712% | 4,562 |
| Net charge-offs to loans | 0.1218% | 1,739 |
| Credit loss provision to net charge-offs | 60.4651% | 2,901 |
| Earnings coverage of net charge-offs (x) | 8.2561% | 2,788 |
| Efficiency ratio | 84.2362% | 979 |
| Assets per employee ($millions) | 5.9638% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2999% | 5,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 43.9785% | 5,191 |
| Net loans and leases to deposits | 56.1816% | 4,980 |
| Net loans and leases to core deposits | 59.3866% | 4,972 |
| Total domestic deposits to total assets | 78.2791% | 4,856 |
| Equity capital to assets | 20.4913% | 214 |
| Core capital (leverage) ratio | 19.7431% | 205 |
| Tier 1 risk-based capital ratio | 51.3917% | 126 |
| Total risk-based capital ratio | 51.7333% | 129 |
| Memoranda: | ||
| Average total assets | $110,229,000 | 4,189 |
| Average earning assets | $102,375,500 | 4,181 |
| Average equity | $19,431,250 | 3,241 |
| Average total loans | $47,052,500 | 4,702 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 5,665 |
| Cost of funding earning assets | 0.3272% | 3,821 |
| Net interest margin | 2.6541% | 5,617 |
| Noninterest income to average assets | 0.2752% | 4,817 |
| Noninterest expense to average assets | 2.2952% | 4,625 |
| Loan and lease loss provision to assets | 0.0090% | 3,906 |
| Net operating income to assets | 0.3603% | 5,153 |
| Return on assets (ROA) | 0.4119% | 5,083 |
| Pretax return on assets | 0.5000% | 5,128 |
| Return on Equity (ROE) | 2.4655% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.4655% | 4,311 |
| Net charge-offs to loans | 0.1832% | 1,247 |
| Credit loss provision to net charge-offs | 11.6279% | 2,988 |
| Earnings coverage of net charge-offs (x) | 5.7674% | 2,822 |
| Efficiency ratio | 83.7270% | 1,076 |
| Assets per employee ($millions) | 5.8131% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2495% | 5,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 43.4458% | 5,259 |
| Net loans and leases to deposits | 53.1590% | 5,186 |
| Net loans and leases to core deposits | 55.9696% | 5,176 |
| Total domestic deposits to total assets | 81.7281% | 4,083 |
| Equity capital to assets | 17.0967% | 422 |
| Core capital (leverage) ratio | 16.3431% | 426 |
| Tier 1 risk-based capital ratio | 43.2961% | 194 |
| Total risk-based capital ratio | 43.5806% | 199 |
| Memoranda: | ||
| Average total assets | $111,189,330 | 4,203 |
| Average earning assets | $103,313,670 | 4,189 |
| Average equity | $18,576,000 | 3,363 |
| Average total loans | $46,952,670 | 4,738 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9750% | 5,709 |
| Cost of funding earning assets | 0.3280% | 3,864 |
| Net interest margin | 2.6471% | 5,670 |
| Noninterest income to average assets | 0.2259% | 5,126 |
| Noninterest expense to average assets | 2.2804% | 4,714 |
| Loan and lease loss provision to assets | 0.0072% | 3,586 |
| Net operating income to assets | 0.3053% | 5,291 |
| Return on assets (ROA) | 0.3550% | 5,212 |
| Pretax return on assets | 0.4625% | 5,174 |
| Return on Equity (ROE) | 2.1495% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.1495% | 4,399 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9132% | 1,073 |
| Assets per employee ($millions) | 5.8425% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3435% | 5,988 |
| Loan loss allowance to noncurrent loans | 93.5673% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 4,962 |
| Noncurrent loans to loans | 0.3672% | 4,118 |
| Net loans and leases to total assets | 41.8118% | 5,359 |
| Net loans and leases to deposits | 50.8730% | 5,293 |
| Net loans and leases to core deposits | 54.2784% | 5,234 |
| Total domestic deposits to total assets | 82.1885% | 4,158 |
| Equity capital to assets | 16.7422% | 446 |
| Core capital (leverage) ratio | 16.3233% | 435 |
| Tier 1 risk-based capital ratio | 43.5260% | 196 |
| Total risk-based capital ratio | 43.9101% | 199 |
| Memoranda: | ||
| Average total assets | $111,560,000 | 4,230 |
| Average earning assets | $103,662,500 | 4,220 |
| Average equity | $18,422,500 | 3,380 |
| Average total loans | $46,376,500 | 4,790 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9518% | 5,773 |
| Cost of funding earning assets | 0.3449% | 3,745 |
| Net interest margin | 2.6069% | 5,750 |
| Noninterest income to average assets | 0.2224% | 5,267 |
| Noninterest expense to average assets | 2.2309% | 4,974 |
| Loan and lease loss provision to assets | 0.0080% | 4,236 |
| Net operating income to assets | 0.5332% | 4,572 |
| Return on assets (ROA) | 0.5653% | 4,531 |
| Pretax return on assets | 0.4528% | 5,218 |
| Return on Equity (ROE) | 3.5317% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.5317% | 3,548 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8818% | 1,188 |
| Assets per employee ($millions) | 5.9007% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3421% | 6,030 |
| Loan loss allowance to noncurrent loans | 405.1282% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,545 |
| Noncurrent loans to loans | 0.0845% | 5,162 |
| Net loans and leases to total assets | 41.0488% | 5,461 |
| Net loans and leases to deposits | 49.7487% | 5,406 |
| Net loans and leases to core deposits | 53.0281% | 5,370 |
| Total domestic deposits to total assets | 82.5123% | 4,015 |
| Equity capital to assets | 16.2871% | 491 |
| Core capital (leverage) ratio | 16.1890% | 446 |
| Tier 1 risk-based capital ratio | 43.4325% | 189 |
| Total risk-based capital ratio | 43.8131% | 194 |
| Memoranda: | ||
| Average total assets | $111,975,200 | 4,223 |
| Average earning assets | $104,682,200 | 4,171 |
| Average equity | $17,923,600 | 3,394 |
| Average total loans | $45,759,800 | 4,804 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9622% | 5,839 |
| Cost of funding earning assets | 0.3459% | 3,798 |
| Net interest margin | 2.6162% | 5,818 |
| Noninterest income to average assets | 0.2180% | 5,354 |
| Noninterest expense to average assets | 2.2142% | 5,019 |
| Loan and lease loss provision to assets | 0.0083% | 4,098 |
| Net operating income to assets | 0.4311% | 5,045 |
| Return on assets (ROA) | 0.4681% | 5,002 |
| Pretax return on assets | 0.4836% | 5,258 |
| Return on Equity (ROE) | 2.9372% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.9372% | 4,362 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9911% | 1,273 |
| Assets per employee ($millions) | 5.7821% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3410% | 6,120 |
| Loan loss allowance to noncurrent loans | 390.0000% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,641 |
| Noncurrent loans to loans | 0.0874% | 5,279 |
| Net loans and leases to total assets | 41.5019% | 5,514 |
| Net loans and leases to deposits | 50.5124% | 5,451 |
| Net loans and leases to core deposits | 54.0918% | 5,398 |
| Total domestic deposits to total assets | 82.1618% | 4,115 |
| Equity capital to assets | 16.4282% | 503 |
| Core capital (leverage) ratio | 16.1128% | 473 |
| Tier 1 risk-based capital ratio | 44.4486% | 189 |
| Total risk-based capital ratio | 44.8384% | 199 |
| Memoranda: | ||
| Average total assets | $111,940,750 | 4,267 |
| Average earning assets | $104,830,500 | 4,217 |
| Average equity | $17,839,500 | 3,431 |
| Average total loans | $45,655,000 | 4,854 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9409% | 5,908 |
| Cost of funding earning assets | 0.3579% | 3,726 |
| Net interest margin | 2.5830% | 5,896 |
| Noninterest income to average assets | 0.2220% | 5,378 |
| Noninterest expense to average assets | 2.1965% | 5,126 |
| Loan and lease loss provision to assets | 0.0089% | 3,933 |
| Net operating income to assets | 0.4261% | 5,057 |
| Return on assets (ROA) | 0.4812% | 4,949 |
| Pretax return on assets | 0.4954% | 5,238 |
| Return on Equity (ROE) | 3.0501% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.0501% | 4,101 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0759% | 1,357 |
| Assets per employee ($millions) | 5.9422% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3366% | 6,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 40.1268% | 5,622 |
| Net loans and leases to deposits | 48.3201% | 5,579 |
| Net loans and leases to core deposits | 52.2008% | 5,527 |
| Total domestic deposits to total assets | 83.0437% | 3,936 |
| Equity capital to assets | 15.5976% | 588 |
| Core capital (leverage) ratio | 15.5885% | 527 |
| Tier 1 risk-based capital ratio | 44.0317% | 206 |
| Total risk-based capital ratio | 44.4129% | 212 |
| Memoranda: | ||
| Average total assets | $112,634,330 | 4,284 |
| Average earning assets | $105,614,330 | 4,228 |
| Average equity | $17,770,000 | 3,458 |
| Average total loans | $45,623,330 | 4,902 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9531% | 5,941 |
| Cost of funding earning assets | 0.3597% | 3,758 |
| Net interest margin | 2.5934% | 5,931 |
| Noninterest income to average assets | 0.2133% | 5,424 |
| Noninterest expense to average assets | 2.1653% | 5,241 |
| Loan and lease loss provision to assets | 0.0071% | 3,614 |
| Net operating income to assets | 0.4645% | 4,813 |
| Return on assets (ROA) | 0.5760% | 4,485 |
| Pretax return on assets | 0.5902% | 4,940 |
| Return on Equity (ROE) | 3.6303% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.6303% | 3,827 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7450% | 1,653 |
| Assets per employee ($millions) | 6.2586% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3287% | 6,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 40.6386% | 5,567 |
| Net loans and leases to deposits | 49.1724% | 5,505 |
| Net loans and leases to core deposits | 52.8143% | 5,437 |
| Total domestic deposits to total assets | 82.6451% | 4,291 |
| Equity capital to assets | 16.0119% | 541 |
| Core capital (leverage) ratio | 15.4579% | 545 |
| Tier 1 risk-based capital ratio | 43.5680% | 212 |
| Total risk-based capital ratio | 43.9426% | 220 |
| Memoranda: | ||
| Average total assets | $112,500,500 | 4,322 |
| Average earning assets | $105,653,000 | 4,257 |
| Average equity | $17,850,000 | 3,471 |
| Average total loans | $45,706,500 | 4,930 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0113% | 6,059 |
| Cost of funding earning assets | 0.4068% | 3,620 |
| Net interest margin | 2.6045% | 6,066 |
| Noninterest income to average assets | 0.2045% | 5,635 |
| Noninterest expense to average assets | 2.1110% | 5,549 |
| Loan and lease loss provision to assets | 0.0104% | 4,416 |
| Net operating income to assets | 0.4489% | 5,027 |
| Return on assets (ROA) | 0.5047% | 4,878 |
| Pretax return on assets | 0.5953% | 4,959 |
| Return on Equity (ROE) | 3.4606% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.4606% | 3,744 |
| Net charge-offs to loans | 0.0241% | 4,354 |
| Credit loss provision to net charge-offs | 109.0909% | 2,184 |
| Earnings coverage of net charge-offs (x) | 56.9091% | 831 |
| Efficiency ratio | 79.6290% | 1,988 |
| Assets per employee ($millions) | 6.2415% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3276% | 6,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.3500% | 5,721 |
| Net loans and leases to deposits | 48.6541% | 5,649 |
| Net loans and leases to core deposits | 52.9784% | 5,562 |
| Total domestic deposits to total assets | 82.9323% | 4,106 |
| Equity capital to assets | 15.7209% | 575 |
| Core capital (leverage) ratio | 15.4868% | 536 |
| Tier 1 risk-based capital ratio | 43.2520% | 195 |
| Total risk-based capital ratio | 43.6224% | 203 |
| Memoranda: | ||
| Average total assets | $115,915,200 | 4,258 |
| Average earning assets | $108,890,000 | 4,208 |
| Average equity | $16,904,400 | 3,541 |
| Average total loans | $45,717,000 | 4,968 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0375% | 6,097 |
| Cost of funding earning assets | 0.4143% | 3,638 |
| Net interest margin | 2.6232% | 6,105 |
| Noninterest income to average assets | 0.1940% | 5,758 |
| Noninterest expense to average assets | 2.0980% | 5,574 |
| Loan and lease loss provision to assets | 0.0103% | 4,214 |
| Net operating income to assets | 0.4650% | 5,015 |
| Return on assets (ROA) | 0.5388% | 4,787 |
| Pretax return on assets | 0.6369% | 4,916 |
| Return on Equity (ROE) | 3.7650% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.7650% | 3,975 |
| Net charge-offs to loans | 0.0320% | 3,846 |
| Credit loss provision to net charge-offs | 81.8182% | 2,559 |
| Earnings coverage of net charge-offs (x) | 44.6251% | 1,050 |
| Efficiency ratio | 78.9180% | 2,064 |
| Assets per employee ($millions) | 6.3028% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3142% | 6,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 40.8303% | 5,762 |
| Net loans and leases to deposits | 49.0097% | 5,699 |
| Net loans and leases to core deposits | 53.6066% | 5,589 |
| Total domestic deposits to total assets | 83.3107% | 4,026 |
| Equity capital to assets | 15.2763% | 678 |
| Core capital (leverage) ratio | 15.2349% | 588 |
| Tier 1 risk-based capital ratio | 42.3264% | 206 |
| Total risk-based capital ratio | 42.6840% | 217 |
| Memoranda: | ||
| Average total assets | $116,807,250 | 4,283 |
| Average earning assets | $109,735,500 | 4,224 |
| Average equity | $16,715,000 | 3,588 |
| Average total loans | $45,776,000 | 5,008 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0125% | 6,160 |
| Cost of funding earning assets | 0.4169% | 3,692 |
| Net interest margin | 2.5955% | 6,176 |
| Noninterest income to average assets | 0.1883% | 5,831 |
| Noninterest expense to average assets | 2.0572% | 5,712 |
| Loan and lease loss provision to assets | 0.0102% | 4,036 |
| Net operating income to assets | 0.5081% | 4,776 |
| Return on assets (ROA) | 0.5698% | 4,604 |
| Pretax return on assets | 0.6275% | 4,863 |
| Return on Equity (ROE) | 4.0703% | 5,111 |
| Retained earnings to average equity (ytd only) | 4.0703% | 3,582 |
| Net charge-offs to loans | 0.0483% | 3,287 |
| Credit loss provision to net charge-offs | 54.5455% | 2,722 |
| Earnings coverage of net charge-offs (x) | 30.5455% | 1,244 |
| Efficiency ratio | 78.3086% | 2,255 |
| Assets per employee ($millions) | 6.4501% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3102% | 6,534 |
| Loan loss allowance to noncurrent loans | 130.0000% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,867 |
| Noncurrent loans to loans | 0.2386% | 5,277 |
| Net loans and leases to total assets | 39.5811% | 5,852 |
| Net loans and leases to deposits | 47.1633% | 5,820 |
| Net loans and leases to core deposits | 51.4389% | 5,702 |
| Total domestic deposits to total assets | 83.9235% | 3,947 |
| Equity capital to assets | 14.7380% | 763 |
| Core capital (leverage) ratio | 14.7725% | 642 |
| Tier 1 risk-based capital ratio | 41.9073% | 207 |
| Total risk-based capital ratio | 42.2568% | 219 |
| Memoranda: | ||
| Average total assets | $117,926,330 | 4,290 |
| Average earning assets | $110,806,670 | 4,224 |
| Average equity | $16,509,670 | 3,616 |
| Average total loans | $45,545,330 | 5,050 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9698% | 6,271 |
| Cost of funding earning assets | 0.4191% | 3,771 |
| Net interest margin | 2.5507% | 6,286 |
| Noninterest income to average assets | 0.1717% | 5,943 |
| Noninterest expense to average assets | 2.0700% | 5,741 |
| Loan and lease loss provision to assets | 0.0101% | 3,698 |
| Net operating income to assets | 0.3787% | 5,193 |
| Return on assets (ROA) | 0.4746% | 4,891 |
| Pretax return on assets | 0.6126% | 4,789 |
| Return on Equity (ROE) | 3.4795% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.4795% | 4,050 |
| Net charge-offs to loans | 0.0972% | 2,195 |
| Credit loss provision to net charge-offs | 27.2727% | 2,422 |
| Earnings coverage of net charge-offs (x) | 13.4545% | 1,665 |
| Efficiency ratio | 80.6029% | 2,109 |
| Assets per employee ($millions) | 7.0387% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3085% | 6,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.8111% | 5,956 |
| Net loans and leases to deposits | 44.4947% | 5,948 |
| Net loans and leases to core deposits | 49.5000% | 5,792 |
| Total domestic deposits to total assets | 84.9789% | 3,878 |
| Equity capital to assets | 13.7768% | 1,000 |
| Core capital (leverage) ratio | 14.1695% | 769 |
| Tier 1 risk-based capital ratio | 40.9888% | 219 |
| Total risk-based capital ratio | 41.3272% | 229 |
| Memoranda: | ||
| Average total assets | $118,839,000 | 4,302 |
| Average earning assets | $111,657,000 | 4,228 |
| Average equity | $16,209,000 | 3,665 |
| Average total loans | $45,269,500 | 5,110 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0519% | 6,290 |
| Cost of funding earning assets | 0.4856% | 3,761 |
| Net interest margin | 2.5663% | 6,304 |
| Noninterest income to average assets | 0.3405% | 4,882 |
| Noninterest expense to average assets | 1.9492% | 6,108 |
| Loan and lease loss provision to assets | 0.0076% | 4,975 |
| Net operating income to assets | 0.6058% | 4,239 |
| Return on assets (ROA) | 0.6169% | 4,295 |
| Pretax return on assets | 0.8031% | 4,129 |
| Return on Equity (ROE) | 4.5177% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.5177% | 2,959 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9945% | 3,673 |
| Assets per employee ($millions) | 6.2116% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3278% | 6,674 |
| Loan loss allowance to noncurrent loans | 178.3133% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 6,137 |
| Noncurrent loans to loans | 0.1838% | 5,648 |
| Net loans and leases to total assets | 38.1351% | 6,084 |
| Net loans and leases to deposits | 44.7172% | 6,087 |
| Net loans and leases to core deposits | 49.6645% | 5,958 |
| Total domestic deposits to total assets | 85.2805% | 3,606 |
| Equity capital to assets | 13.5003% | 1,067 |
| Core capital (leverage) ratio | 14.2459% | 756 |
| Tier 1 risk-based capital ratio | 40.8053% | 218 |
| Total risk-based capital ratio | 41.1645% | 230 |
| Memoranda: | ||
| Average total assets | $118,665,200 | 4,298 |
| Average earning assets | $111,209,000 | 4,235 |
| Average equity | $16,202,800 | 3,672 |
| Average total loans | $43,804,800 | 5,200 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0654% | 6,355 |
| Cost of funding earning assets | 0.4971% | 3,794 |
| Net interest margin | 2.5683% | 6,353 |
| Noninterest income to average assets | 0.2053% | 5,950 |
| Noninterest expense to average assets | 1.8895% | 6,201 |
| Loan and lease loss provision to assets | 0.0079% | 4,821 |
| Net operating income to assets | 0.5398% | 4,621 |
| Return on assets (ROA) | 0.5543% | 4,708 |
| Pretax return on assets | 0.7327% | 4,566 |
| Return on Equity (ROE) | 4.0482% | 5,204 |
| Retained earnings to average equity (ytd only) | 4.0482% | 3,815 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3679% | 3,337 |
| Assets per employee ($millions) | 6.1533% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3321% | 6,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 37.4740% | 6,199 |
| Net loans and leases to deposits | 43.9787% | 6,201 |
| Net loans and leases to core deposits | 48.8973% | 6,075 |
| Total domestic deposits to total assets | 85.2095% | 3,625 |
| Equity capital to assets | 13.4750% | 1,126 |
| Core capital (leverage) ratio | 14.1764% | 826 |
| Tier 1 risk-based capital ratio | 40.5104% | 234 |
| Total risk-based capital ratio | 40.8672% | 242 |
| Memoranda: | ||
| Average total assets | $118,826,500 | 4,343 |
| Average earning assets | $111,302,250 | 4,275 |
| Average equity | $16,270,250 | 3,701 |
| Average total loans | $43,467,250 | 5,262 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0594% | 6,388 |
| Cost of funding earning assets | 0.4995% | 3,908 |
| Net interest margin | 2.5599% | 6,373 |
| Noninterest income to average assets | 0.2126% | 5,922 |
| Noninterest expense to average assets | 1.8131% | 6,354 |
| Loan and lease loss provision to assets | 0.0084% | 4,689 |
| Net operating income to assets | 0.6156% | 4,214 |
| Return on assets (ROA) | 0.6378% | 4,264 |
| Pretax return on assets | 0.8220% | 4,235 |
| Return on Equity (ROE) | 4.6344% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.6344% | 3,309 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3342% | 3,954 |
| Assets per employee ($millions) | 6.3068% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3280% | 6,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 36.5137% | 6,266 |
| Net loans and leases to deposits | 42.6714% | 6,298 |
| Net loans and leases to core deposits | 47.4247% | 6,154 |
| Total domestic deposits to total assets | 85.5694% | 3,601 |
| Equity capital to assets | 13.1229% | 1,303 |
| Core capital (leverage) ratio | 13.7379% | 903 |
| Tier 1 risk-based capital ratio | 39.4820% | 246 |
| Total risk-based capital ratio | 39.8273% | 250 |
| Memoranda: | ||
| Average total assets | $119,464,330 | 4,362 |
| Average earning assets | $112,113,330 | 4,288 |
| Average equity | $16,442,330 | 3,707 |
| Average total loans | $43,303,670 | 5,290 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1425% | 6,359 |
| Cost of funding earning assets | 0.5095% | 3,979 |
| Net interest margin | 2.6330% | 6,324 |
| Noninterest income to average assets | 0.1878% | 6,130 |
| Noninterest expense to average assets | 2.0221% | 6,059 |
| Loan and lease loss provision to assets | 0.0067% | 4,356 |
| Net operating income to assets | 0.4515% | 4,903 |
| Return on assets (ROA) | 0.4896% | 4,879 |
| Pretax return on assets | 0.6908% | 4,615 |
| Return on Equity (ROE) | 3.4760% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.4760% | 4,166 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8491% | 2,946 |
| Assets per employee ($millions) | 6.6691% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3282% | 6,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 35.6747% | 6,321 |
| Net loans and leases to deposits | 42.1054% | 6,313 |
| Net loans and leases to core deposits | 46.5808% | 6,180 |
| Total domestic deposits to total assets | 84.7271% | 4,167 |
| Equity capital to assets | 13.9708% | 1,035 |
| Core capital (leverage) ratio | 13.5177% | 941 |
| Tier 1 risk-based capital ratio | 39.7419% | 240 |
| Total risk-based capital ratio | 40.0872% | 249 |
| Memoranda: | ||
| Average total assets | $119,282,000 | 4,412 |
| Average earning assets | $112,266,000 | 4,330 |
| Average equity | $16,801,000 | 3,695 |
| Average total loans | $43,006,500 | 5,339 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3816% | 6,504 |
| Cost of funding earning assets | 0.6837% | 3,626 |
| Net interest margin | 2.6978% | 6,524 |
| Noninterest income to average assets | 0.2208% | 5,860 |
| Noninterest expense to average assets | 2.1253% | 6,071 |
| Loan and lease loss provision to assets | 0.0100% | 5,797 |
| Net operating income to assets | 0.4940% | 4,709 |
| Return on assets (ROA) | 0.5504% | 4,732 |
| Pretax return on assets | 0.6957% | 4,679 |
| Return on Equity (ROE) | 4.0150% | 5,134 |
| Retained earnings to average equity (ytd only) | 4.0150% | 3,385 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0156% | 2,589 |
| Assets per employee ($millions) | 6.5845% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3229% | 6,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.2029% | 6,421 |
| Net loans and leases to deposits | 42.8258% | 6,430 |
| Net loans and leases to core deposits | 48.6017% | 6,230 |
| Total domestic deposits to total assets | 84.5352% | 4,073 |
| Equity capital to assets | 14.2009% | 970 |
| Core capital (leverage) ratio | 13.5689% | 923 |
| Tier 1 risk-based capital ratio | 39.5689% | 245 |
| Total risk-based capital ratio | 39.9109% | 250 |
| Memoranda: | ||
| Average total assets | $120,456,000 | 4,353 |
| Average earning assets | $113,349,600 | 4,267 |
| Average equity | $16,513,000 | 3,700 |
| Average total loans | $43,638,200 | 5,349 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4313% | 6,587 |
| Cost of funding earning assets | 0.7242% | 3,561 |
| Net interest margin | 2.7071% | 6,636 |
| Noninterest income to average assets | 0.2205% | 5,972 |
| Noninterest expense to average assets | 2.1068% | 6,145 |
| Loan and lease loss provision to assets | 0.0099% | 5,683 |
| Net operating income to assets | 0.4611% | 4,989 |
| Return on assets (ROA) | 0.4752% | 5,196 |
| Pretax return on assets | 0.6703% | 4,957 |
| Return on Equity (ROE) | 3.4968% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.4968% | 4,409 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1355% | 2,655 |
| Assets per employee ($millions) | 6.6086% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3184% | 7,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.7883% | 6,563 |
| Net loans and leases to deposits | 42.3779% | 6,578 |
| Net loans and leases to core deposits | 48.0714% | 6,404 |
| Total domestic deposits to total assets | 84.4504% | 4,001 |
| Equity capital to assets | 14.1692% | 1,091 |
| Core capital (leverage) ratio | 13.3244% | 1,066 |
| Tier 1 risk-based capital ratio | 38.6463% | 272 |
| Total risk-based capital ratio | 38.9779% | 288 |
| Memoranda: | ||
| Average total assets | $120,939,750 | 4,378 |
| Average earning assets | $113,772,750 | 4,292 |
| Average equity | $16,433,500 | 3,749 |
| Average total loans | $43,786,000 | 5,398 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 6,637 |
| Cost of funding earning assets | 0.7552% | 3,566 |
| Net interest margin | 2.7201% | 6,688 |
| Noninterest income to average assets | 0.2336% | 5,900 |
| Noninterest expense to average assets | 2.0575% | 6,319 |
| Loan and lease loss provision to assets | 0.0099% | 5,535 |
| Net operating income to assets | 0.4884% | 4,872 |
| Return on assets (ROA) | 0.5082% | 5,045 |
| Pretax return on assets | 0.7549% | 4,630 |
| Return on Equity (ROE) | 3.7930% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.7930% | 4,090 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6749% | 3,131 |
| Assets per employee ($millions) | 6.7134% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3131% | 7,117 |
| Loan loss allowance to noncurrent loans | 130.3922% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 6,599 |
| Noncurrent loans to loans | 0.2401% | 6,094 |
| Net loans and leases to total assets | 35.0403% | 6,663 |
| Net loans and leases to deposits | 41.2129% | 6,692 |
| Net loans and leases to core deposits | 47.5502% | 6,489 |
| Total domestic deposits to total assets | 85.0225% | 3,845 |
| Equity capital to assets | 13.6725% | 1,233 |
| Core capital (leverage) ratio | 13.0155% | 1,147 |
| Tier 1 risk-based capital ratio | 37.7850% | 284 |
| Total risk-based capital ratio | 38.1045% | 301 |
| Memoranda: | ||
| Average total assets | $121,601,330 | 4,388 |
| Average earning assets | $114,408,670 | 4,301 |
| Average equity | $16,293,000 | 3,760 |
| Average total loans | $44,145,330 | 5,422 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 6,651 |
| Cost of funding earning assets | 0.7732% | 3,676 |
| Net interest margin | 2.7621% | 6,692 |
| Noninterest income to average assets | 0.2656% | 5,747 |
| Noninterest expense to average assets | 2.0790% | 6,311 |
| Loan and lease loss provision to assets | 0.0098% | 5,173 |
| Net operating income to assets | 0.5027% | 4,817 |
| Return on assets (ROA) | 0.5411% | 4,859 |
| Pretax return on assets | 0.8362% | 4,276 |
| Return on Equity (ROE) | 4.0795% | 5,257 |
| Retained earnings to average equity (ytd only) | 4.0795% | 4,144 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5400% | 3,335 |
| Assets per employee ($millions) | 6.5004% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2919% | 7,182 |
| Loan loss allowance to noncurrent loans | 180.5556% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 6,749 |
| Noncurrent loans to loans | 0.1617% | 6,358 |
| Net loans and leases to total assets | 35.9523% | 6,621 |
| Net loans and leases to deposits | 42.0055% | 6,659 |
| Net loans and leases to core deposits | 48.2474% | 6,444 |
| Total domestic deposits to total assets | 85.5896% | 3,744 |
| Equity capital to assets | 13.1117% | 1,393 |
| Core capital (leverage) ratio | 12.6178% | 1,283 |
| Tier 1 risk-based capital ratio | 36.2183% | 306 |
| Total risk-based capital ratio | 36.5204% | 326 |
| Memoranda: | ||
| Average total assets | $121,981,500 | 4,410 |
| Average earning assets | $114,842,000 | 4,313 |
| Average equity | $16,178,500 | 3,787 |
| Average total loans | $44,980,000 | 5,422 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 6,411 |
| Cost of funding earning assets | 1.0039% | 3,350 |
| Net interest margin | 3.0206% | 6,497 |
| Noninterest income to average assets | 0.2540% | 5,710 |
| Noninterest expense to average assets | 2.1766% | 6,317 |
| Loan and lease loss provision to assets | 0.0150% | 6,364 |
| Net operating income to assets | 0.6588% | 3,700 |
| Return on assets (ROA) | 0.6636% | 3,858 |
| Pretax return on assets | 0.9051% | 3,594 |
| Return on Equity (ROE) | 5.1338% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.1338% | 2,546 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4392% | 3,856 |
| Assets per employee ($millions) | 6.3397% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2796% | 7,231 |
| Loan loss allowance to noncurrent loans | 6,350.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,017 |
| Noncurrent loans to loans | 0.0044% | 6,861 |
| Net loans and leases to total assets | 37.6066% | 6,663 |
| Net loans and leases to deposits | 44.0605% | 6,719 |
| Net loans and leases to core deposits | 44.0605% | 6,813 |
| Total domestic deposits to total assets | 85.3522% | 3,668 |
| Equity capital to assets | 13.4183% | 1,309 |
| Core capital (leverage) ratio | 12.9215% | 1,173 |
| Tier 1 risk-based capital ratio | 35.3331% | 325 |
| Total risk-based capital ratio | 35.6241% | 347 |
| Memoranda: | ||
| Average total assets | $120,095,400 | 4,398 |
| Average earning assets | $112,759,000 | 4,312 |
| Average equity | $15,524,600 | 3,812 |
| Average total loans | $47,334,600 | 5,369 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 6,413 |
| Cost of funding earning assets | 1.0491% | 3,326 |
| Net interest margin | 3.0525% | 6,488 |
| Noninterest income to average assets | 0.2500% | 5,825 |
| Noninterest expense to average assets | 2.2121% | 6,251 |
| Loan and lease loss provision to assets | 0.0156% | 6,239 |
| Net operating income to assets | 0.6743% | 3,745 |
| Return on assets (ROA) | 0.6811% | 3,882 |
| Pretax return on assets | 0.8955% | 3,782 |
| Return on Equity (ROE) | 5.3193% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.3193% | 2,978 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0310% | 3,736 |
| Assets per employee ($millions) | 6.7093% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2634% | 7,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 38.5635% | 6,739 |
| Net loans and leases to deposits | 45.3843% | 6,768 |
| Net loans and leases to core deposits | 45.3843% | 6,870 |
| Total domestic deposits to total assets | 84.9711% | 3,775 |
| Equity capital to assets | 13.2851% | 1,473 |
| Core capital (leverage) ratio | 12.7446% | 1,328 |
| Tier 1 risk-based capital ratio | 34.7934% | 360 |
| Total risk-based capital ratio | 35.0743% | 381 |
| Memoranda: | ||
| Average total assets | $120,005,500 | 4,427 |
| Average earning assets | $112,605,250 | 4,345 |
| Average equity | $15,365,000 | 3,846 |
| Average total loans | $47,811,750 | 5,393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 6,383 |
| Cost of funding earning assets | 1.0953% | 3,281 |
| Net interest margin | 3.0561% | 6,498 |
| Noninterest income to average assets | 0.2522% | 5,843 |
| Noninterest expense to average assets | 2.2096% | 6,358 |
| Loan and lease loss provision to assets | 0.0150% | 6,094 |
| Net operating income to assets | 0.7056% | 3,515 |
| Return on assets (ROA) | 0.7148% | 3,582 |
| Pretax return on assets | 0.9052% | 3,596 |
| Return on Equity (ROE) | 5.6544% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.6544% | 2,620 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8623% | 3,957 |
| Assets per employee ($millions) | 6.3546% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2491% | 7,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 39.1310% | 6,792 |
| Net loans and leases to deposits | 45.6148% | 6,847 |
| Net loans and leases to core deposits | 45.6148% | 6,956 |
| Total domestic deposits to total assets | 85.7858% | 3,450 |
| Equity capital to assets | 12.9918% | 1,517 |
| Core capital (leverage) ratio | 12.5653% | 1,327 |
| Tier 1 risk-based capital ratio | 34.1270% | 382 |
| Total risk-based capital ratio | 34.3946% | 401 |
| Memoranda: | ||
| Average total assets | $119,751,670 | 4,461 |
| Average earning assets | $112,301,670 | 4,373 |
| Average equity | $15,138,670 | 3,885 |
| Average total loans | $48,184,000 | 5,430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 6,230 |
| Cost of funding earning assets | 1.1343% | 3,270 |
| Net interest margin | 3.0881% | 6,378 |
| Noninterest income to average assets | 0.2415% | 5,971 |
| Noninterest expense to average assets | 2.1768% | 6,470 |
| Loan and lease loss provision to assets | 0.0168% | 5,723 |
| Net operating income to assets | 0.7219% | 3,422 |
| Return on assets (ROA) | 0.7245% | 3,467 |
| Pretax return on assets | 0.9458% | 3,335 |
| Return on Equity (ROE) | 5.8123% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.8123% | 2,747 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4118% | 4,393 |
| Assets per employee ($millions) | 6.6996% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2355% | 7,434 |
| Loan loss allowance to noncurrent loans | 1,266.6667% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 7,181 |
| Noncurrent loans to loans | 0.0186% | 7,018 |
| Net loans and leases to total assets | 40.0516% | 6,775 |
| Net loans and leases to deposits | 46.3990% | 6,824 |
| Net loans and leases to core deposits | 46.3990% | 6,957 |
| Total domestic deposits to total assets | 86.3200% | 3,329 |
| Equity capital to assets | 12.4660% | 1,646 |
| Core capital (leverage) ratio | 12.3346% | 1,396 |
| Tier 1 risk-based capital ratio | 33.0365% | 399 |
| Total risk-based capital ratio | 33.2903% | 426 |
| Memoranda: | ||
| Average total assets | $119,258,500 | 4,508 |
| Average earning assets | $111,784,000 | 4,409 |
| Average equity | $14,865,000 | 3,927 |
| Average total loans | $48,594,000 | 5,453 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 6,435 |
| Cost of funding earning assets | 1.4063% | 3,220 |
| Net interest margin | 3.0786% | 6,577 |
| Noninterest income to average assets | 0.2695% | 5,860 |
| Noninterest expense to average assets | 2.2583% | 6,461 |
| Loan and lease loss provision to assets | 0.0101% | 6,983 |
| Net operating income to assets | 0.6517% | 3,432 |
| Return on assets (ROA) | 0.6624% | 3,523 |
| Pretax return on assets | 0.9006% | 3,289 |
| Return on Equity (ROE) | 4.6422% | 4,236 |
| Retained earnings to average equity (ytd only) | -15.3417% | 6,890 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5854% | 3,871 |
| Assets per employee ($millions) | 6.5514% | 926 |
| Cash dividends to net income (ytd only)* | 430.4847% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2235% | 7,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 41.2686% | 6,886 |
| Net loans and leases to deposits | 47.7319% | 6,961 |
| Net loans and leases to core deposits | 47.7319% | 7,086 |
| Total domestic deposits to total assets | 86.4592% | 3,101 |
| Equity capital to assets | 12.4630% | 1,655 |
| Core capital (leverage) ratio | 12.4114% | 1,342 |
| Tier 1 risk-based capital ratio | 32.6661% | 415 |
| Total risk-based capital ratio | 32.9096% | 431 |
| Memoranda: | ||
| Average total assets | $118,364,800 | 4,513 |
| Average earning assets | $110,928,200 | 4,448 |
| Average equity | $16,888,600 | 3,612 |
| Average total loans | $49,394,400 | 5,509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 6,533 |
| Cost of funding earning assets | 1.4639% | 3,195 |
| Net interest margin | 3.0646% | 6,698 |
| Noninterest income to average assets | 0.2678% | 5,978 |
| Noninterest expense to average assets | 2.2114% | 6,572 |
| Loan and lease loss provision to assets | 0.0101% | 6,923 |
| Net operating income to assets | 0.6862% | 3,488 |
| Return on assets (ROA) | 0.6955% | 3,594 |
| Pretax return on assets | 0.9307% | 3,445 |
| Return on Equity (ROE) | 4.7256% | 4,439 |
| Retained earnings to average equity (ytd only) | -21.0817% | 7,232 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4301% | 3,979 |
| Assets per employee ($millions) | 6.5759% | 934 |
| Cash dividends to net income (ytd only)* | 546.1164% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2160% | 7,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 41.3666% | 7,006 |
| Net loans and leases to deposits | 48.1200% | 7,084 |
| Net loans and leases to core deposits | 48.1200% | 7,198 |
| Total domestic deposits to total assets | 85.9656% | 3,091 |
| Equity capital to assets | 12.9488% | 1,604 |
| Core capital (leverage) ratio | 12.3507% | 1,480 |
| Tier 1 risk-based capital ratio | 33.0945% | 406 |
| Total risk-based capital ratio | 33.3371% | 423 |
| Memoranda: | ||
| Average total assets | $118,474,750 | 4,567 |
| Average earning assets | $111,027,750 | 4,507 |
| Average equity | $17,436,500 | 3,567 |
| Average total loans | $49,549,250 | 5,583 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 6,456 |
| Cost of funding earning assets | 1.5350% | 3,036 |
| Net interest margin | 3.0681% | 6,683 |
| Noninterest income to average assets | 0.2700% | 5,991 |
| Noninterest expense to average assets | 2.2243% | 6,588 |
| Loan and lease loss provision to assets | 0.0101% | 6,803 |
| Net operating income to assets | 0.7006% | 3,403 |
| Return on assets (ROA) | 0.7071% | 3,525 |
| Pretax return on assets | 0.9181% | 3,426 |
| Return on Equity (ROE) | 4.6197% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.6197% | 3,130 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7461% | 4,026 |
| Assets per employee ($millions) | 6.6468% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2094% | 7,706 |
| Loan loss allowance to noncurrent loans | 25.8145% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 6,589 |
| Noncurrent loans to loans | 0.8110% | 5,654 |
| Net loans and leases to total assets | 41.0354% | 7,103 |
| Net loans and leases to deposits | 49.1624% | 7,105 |
| Net loans and leases to core deposits | 49.1624% | 7,248 |
| Total domestic deposits to total assets | 83.4692% | 4,358 |
| Equity capital to assets | 15.5279% | 764 |
| Core capital (leverage) ratio | 14.9158% | 736 |
| Tier 1 risk-based capital ratio | 39.5647% | 258 |
| Total risk-based capital ratio | 39.7958% | 272 |
| Memoranda: | ||
| Average total assets | $118,511,000 | 4,607 |
| Average earning assets | $111,012,330 | 4,535 |
| Average equity | $18,139,670 | 3,439 |
| Average total loans | $49,709,000 | 5,620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 6,430 |
| Cost of funding earning assets | 1.5951% | 2,997 |
| Net interest margin | 3.0488% | 6,712 |
| Noninterest income to average assets | 0.2442% | 6,204 |
| Noninterest expense to average assets | 2.1671% | 6,764 |
| Loan and lease loss provision to assets | 0.0102% | 6,503 |
| Net operating income to assets | 0.7190% | 3,350 |
| Return on assets (ROA) | 0.7190% | 3,463 |
| Pretax return on assets | 0.9191% | 3,394 |
| Return on Equity (ROE) | 4.7320% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.7320% | 3,308 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9890% | 4,298 |
| Assets per employee ($millions) | 6.6251% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2011% | 7,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.6186% | 7,146 |
| Net loans and leases to deposits | 49.6409% | 7,143 |
| Net loans and leases to core deposits | 49.6409% | 7,294 |
| Total domestic deposits to total assets | 83.8393% | 4,226 |
| Equity capital to assets | 15.1704% | 840 |
| Core capital (leverage) ratio | 14.7366% | 803 |
| Tier 1 risk-based capital ratio | 38.5714% | 274 |
| Total risk-based capital ratio | 38.7927% | 292 |
| Memoranda: | ||
| Average total assets | $117,945,000 | 4,677 |
| Average earning assets | $110,339,000 | 4,601 |
| Average equity | $17,920,500 | 3,500 |
| Average total loans | $49,964,000 | 5,669 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 6,431 |
| Cost of funding earning assets | 2.1410% | 2,271 |
| Net interest margin | 2.8597% | 6,941 |
| Noninterest income to average assets | 0.2652% | 6,213 |
| Noninterest expense to average assets | 2.2961% | 6,758 |
| Loan and lease loss provision to assets | 0.0247% | 7,263 |
| Net operating income to assets | 0.4669% | 3,869 |
| Return on assets (ROA) | 0.4793% | 3,911 |
| Pretax return on assets | 0.6467% | 3,762 |
| Return on Equity (ROE) | 2.9021% | 4,546 |
| Retained earnings to average equity (ytd only) | 2.3687% | 3,458 |
| Net charge-offs to loans | 0.0926% | 6,198 |
| Credit loss provision to net charge-offs | 59.5745% | 6,645 |
| Earnings coverage of net charge-offs (x) | 15.8085% | 1,286 |
| Efficiency ratio | 77.8143% | 3,224 |
| Assets per employee ($millions) | 6.1388% | 1,166 |
| Cash dividends to net income (ytd only)* | 18.3824% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1932% | 7,886 |
| Loan loss allowance to noncurrent loans | 248.7179% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 7,438 |
| Noncurrent loans to loans | 0.0777% | 7,224 |
| Net loans and leases to total assets | 42.9534% | 7,190 |
| Net loans and leases to deposits | 51.1888% | 7,192 |
| Net loans and leases to core deposits | 63.6029% | 7,112 |
| Total domestic deposits to total assets | 83.9118% | 4,064 |
| Equity capital to assets | 15.2180% | 863 |
| Core capital (leverage) ratio | 14.8613% | 812 |
| Tier 1 risk-based capital ratio | 38.3158% | 282 |
| Total risk-based capital ratio | 38.5317% | 289 |
| Memoranda: | ||
| Average total assets | $113,496,800 | 4,744 |
| Average earning assets | $106,583,800 | 4,666 |
| Average equity | $18,744,800 | 3,383 |
| Average total loans | $50,779,000 | 5,633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 6,320 |
| Cost of funding earning assets | 2.2299% | 2,277 |
| Net interest margin | 2.8547% | 6,958 |
| Noninterest income to average assets | 0.2579% | 6,389 |
| Noninterest expense to average assets | 2.2263% | 6,907 |
| Loan and lease loss provision to assets | 0.0308% | 7,045 |
| Net operating income to assets | 0.5217% | 3,894 |
| Return on assets (ROA) | 0.5217% | 3,988 |
| Pretax return on assets | 0.6814% | 3,926 |
| Return on Equity (ROE) | 3.0957% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.3938% | 3,983 |
| Net charge-offs to loans | 0.1047% | 5,627 |
| Credit loss provision to net charge-offs | 65.0000% | 6,080 |
| Earnings coverage of net charge-offs (x) | 15.0506% | 1,554 |
| Efficiency ratio | 75.7649% | 3,552 |
| Assets per employee ($millions) | 6.0846% | 1,174 |
| Cash dividends to net income (ytd only)* | 22.6756% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2019% | 7,977 |
| Loan loss allowance to noncurrent loans | 221.7391% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 7,167 |
| Noncurrent loans to loans | 0.0910% | 7,257 |
| Net loans and leases to total assets | 43.6219% | 7,270 |
| Net loans and leases to deposits | 52.9427% | 7,265 |
| Net loans and leases to core deposits | 66.0329% | 7,158 |
| Total domestic deposits to total assets | 82.3947% | 4,502 |
| Equity capital to assets | 16.7360% | 666 |
| Core capital (leverage) ratio | 16.3370% | 631 |
| Tier 1 risk-based capital ratio | 42.2673% | 244 |
| Total risk-based capital ratio | 42.4975% | 256 |
| Memoranda: | ||
| Average total assets | $112,711,500 | 4,787 |
| Average earning assets | $105,834,000 | 4,714 |
| Average equity | $18,993,500 | 3,369 |
| Average total loans | $50,924,500 | 5,672 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 6,119 |
| Cost of funding earning assets | 2.2847% | 2,420 |
| Net interest margin | 2.9045% | 6,795 |
| Noninterest income to average assets | 0.2559% | 6,444 |
| Noninterest expense to average assets | 2.2354% | 6,962 |
| Loan and lease loss provision to assets | 0.0197% | 7,032 |
| Net operating income to assets | 0.5763% | 3,784 |
| Return on assets (ROA) | 0.5763% | 3,892 |
| Pretax return on assets | 0.7266% | 3,915 |
| Return on Equity (ROE) | 3.4119% | 4,744 |
| Retained earnings to average equity (ytd only) | 2.3523% | 4,030 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9700% | 3,880 |
| Assets per employee ($millions) | 5.9789% | 1,225 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2533% | 8,024 |
| Loan loss allowance to noncurrent loans | 222.8070% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 7,478 |
| Noncurrent loans to loans | 0.1137% | 7,237 |
| Net loans and leases to total assets | 44.0290% | 7,323 |
| Net loans and leases to deposits | 53.4490% | 7,311 |
| Net loans and leases to core deposits | 64.6381% | 7,266 |
| Total domestic deposits to total assets | 82.3759% | 4,531 |
| Equity capital to assets | 16.7694% | 697 |
| Core capital (leverage) ratio | 16.4827% | 679 |
| Tier 1 risk-based capital ratio | 41.6997% | 271 |
| Total risk-based capital ratio | 41.9842% | 283 |
| Memoranda: | ||
| Average total assets | $111,746,330 | 4,832 |
| Average earning assets | $104,873,000 | 4,761 |
| Average equity | $18,875,330 | 3,414 |
| Average total loans | $51,055,330 | 5,719 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3508% | 5,654 |
| Cost of funding earning assets | 2.3405% | 2,543 |
| Net interest margin | 3.0103% | 6,456 |
| Noninterest income to average assets | 0.2527% | 6,438 |
| Noninterest expense to average assets | 2.0430% | 7,245 |
| Loan and lease loss provision to assets | 0.0036% | 6,733 |
| Net operating income to assets | 0.9168% | 2,627 |
| Return on assets (ROA) | 0.9168% | 2,767 |
| Pretax return on assets | 1.0287% | 3,251 |
| Return on Equity (ROE) | 5.4077% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.4077% | 2,898 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4319% | 5,248 |
| Assets per employee ($millions) | 7.0213% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2294% | 8,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.2991% | 7,239 |
| Net loans and leases to deposits | 55.0443% | 7,216 |
| Net loans and leases to core deposits | 66.6959% | 7,207 |
| Total domestic deposits to total assets | 82.2957% | 4,439 |
| Equity capital to assets | 16.9396% | 729 |
| Core capital (leverage) ratio | 16.6856% | 691 |
| Tier 1 risk-based capital ratio | 41.3325% | 293 |
| Total risk-based capital ratio | 41.5919% | 309 |
| Memoranda: | ||
| Average total assets | $110,819,500 | 4,884 |
| Average earning assets | $103,910,000 | 4,807 |
| Average equity | $18,788,000 | 3,442 |
| Average total loans | $51,511,000 | 5,736 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 7,271 |
| Cost of funding earning assets | 2.5419% | 3,994 |
| Net interest margin | 2.9696% | 6,988 |
| Noninterest income to average assets | 0.2416% | 6,716 |
| Noninterest expense to average assets | 2.0891% | 7,259 |
| Loan and lease loss provision to assets | 0.0115% | 7,225 |
| Net operating income to assets | 0.6060% | 4,276 |
| Return on assets (ROA) | 0.6098% | 4,126 |
| Pretax return on assets | 0.9223% | 3,650 |
| Return on Equity (ROE) | 3.5020% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.5020% | 2,962 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2405% | 4,490 |
| Assets per employee ($millions) | 6.4294% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2230% | 8,148 |
| Loan loss allowance to noncurrent loans | 252.1739% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 7,424 |
| Noncurrent loans to loans | 0.0884% | 7,157 |
| Net loans and leases to total assets | 47.4844% | 7,224 |
| Net loans and leases to deposits | 57.6641% | 7,228 |
| Net loans and leases to core deposits | 69.8858% | 7,193 |
| Total domestic deposits to total assets | 82.3466% | 4,061 |
| Equity capital to assets | 16.9681% | 785 |
| Core capital (leverage) ratio | 16.8646% | 713 |
| Tier 1 risk-based capital ratio | 40.6812% | 327 |
| Total risk-based capital ratio | 40.9377% | 340 |
| Memoranda: | ||
| Average total assets | $104,302,000 | 4,923 |
| Average earning assets | $97,488,000 | 4,875 |
| Average equity | $18,161,200 | 3,534 |
| Average total loans | $53,200,000 | 5,567 |