Home > Home Savings Bank > Performance and Condition Ratios
Home Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4312% | 377 |
| Cost of funding earning assets | 2.7853% | 216 |
| Net interest margin | 3.6458% | 1,871 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 2.3770% | 2,650 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 0.9307% | 2,444 |
| Return on assets (ROA) | 0.9307% | 2,419 |
| Pretax return on assets | 1.2273% | 2,069 |
| Return on Equity (ROE) | 5.9200% | 3,534 |
| Retained earnings to average equity (ytd only) | 3.7492% | 3,044 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.2048% | 2,209 |
| Assets per employee ($millions) | 11.8483% | 427 |
| Cash dividends to net income (ytd only)* | 36.6300% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 3,627 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 86.0900% | 155 |
| Net loans and leases to deposits | 130.1266% | 44 |
| Net loans and leases to core deposits | 202.0822% | 76 |
| Total domestic deposits to total assets | 66.1600% | 4,375 |
| Equity capital to assets | 15.9972% | 461 |
| Core capital (leverage) ratio | 16.7327% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,331,000 | 3,676 |
| Average earning assets | $113,774,200 | 3,608 |
| Average equity | $18,457,200 | 2,976 |
| Average total loans | $101,781,800 | 3,160 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3460% | 357 |
| Cost of funding earning assets | 2.6908% | 196 |
| Net interest margin | 3.6551% | 1,874 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 2.3045% | 2,781 |
| Loan and lease loss provision to assets | -0.0800% | 4,523 |
| Net operating income to assets | 0.9922% | 2,386 |
| Return on assets (ROA) | 0.9922% | 2,372 |
| Pretax return on assets | 1.3214% | 1,975 |
| Return on Equity (ROE) | 6.3300% | 3,579 |
| Retained earnings to average equity (ytd only) | 3.4254% | 3,410 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.9855% | 2,393 |
| Assets per employee ($millions) | 11.8538% | 390 |
| Cash dividends to net income (ytd only)* | 45.9242% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 3,685 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 85.3700% | 187 |
| Net loans and leases to deposits | 125.4911% | 56 |
| Net loans and leases to core deposits | 191.7331% | 50 |
| Total domestic deposits to total assets | 68.0300% | 4,369 |
| Equity capital to assets | 15.8034% | 459 |
| Core capital (leverage) ratio | 16.0641% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,043,000 | 3,689 |
| Average earning assets | $113,518,000 | 3,625 |
| Average equity | $18,333,000 | 2,978 |
| Average total loans | $101,488,750 | 3,163 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0022% | 439 |
| Cost of funding earning assets | 2.5340% | 180 |
| Net interest margin | 3.4683% | 2,347 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 2.2017% | 3,074 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | 0.9456% | 2,599 |
| Return on assets (ROA) | 0.9456% | 2,588 |
| Pretax return on assets | 1.2596% | 2,191 |
| Return on Equity (ROE) | 6.0600% | 3,677 |
| Retained earnings to average equity (ytd only) | 1.6594% | 3,789 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.4258% | 2,320 |
| Assets per employee ($millions) | 11.9706% | 378 |
| Cash dividends to net income (ytd only)* | 72.5953% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 3,701 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 85.0200% | 207 |
| Net loans and leases to deposits | 131.1660% | 50 |
| Net loans and leases to core deposits | 195.2367% | 45 |
| Total domestic deposits to total assets | 64.8200% | 4,445 |
| Equity capital to assets | 15.3819% | 488 |
| Core capital (leverage) ratio | 15.7966% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $116,544,667 | 3,707 |
| Average earning assets | $113,024,333 | 3,645 |
| Average equity | $18,199,667 | 3,007 |
| Average total loans | $101,277,333 | 3,160 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 419 |
| Cost of funding earning assets | 2.2699% | 166 |
| Net interest margin | 3.5285% | 2,292 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 2.1607% | 3,222 |
| Loan and lease loss provision to assets | 0.6700% | 102 |
| Net operating income to assets | 0.4523% | 3,998 |
| Return on assets (ROA) | 0.4523% | 3,949 |
| Pretax return on assets | 0.5880% | 3,862 |
| Return on Equity (ROE) | 2.8700% | 4,199 |
| Retained earnings to average equity (ytd only) | -5.9692% | 4,365 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.1098% | 2,552 |
| Assets per employee ($millions) | 11.8359% | 414 |
| Cash dividends to net income (ytd only)* | 307.6923% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,751 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 87.2400% | 98 |
| Net loans and leases to deposits | 133.5558% | 39 |
| Net loans and leases to core deposits | 209.0841% | 30 |
| Total domestic deposits to total assets | 65.3200% | 4,497 |
| Equity capital to assets | 15.2012% | 466 |
| Core capital (leverage) ratio | 16.0100% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $114,964,000 | 3,770 |
| Average earning assets | $111,549,000 | 3,701 |
| Average equity | $18,093,000 | 3,043 |
| Average total loans | $100,554,500 | 3,209 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 141 |
| Cost of funding earning assets | 1.0661% | 133 |
| Net interest margin | 4.5151% | 288 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 2.5343% | 2,012 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.4113% | 1,102 |
| Return on assets (ROA) | 1.4113% | 1,066 |
| Pretax return on assets | 1.8805% | 609 |
| Return on Equity (ROE) | 8.7300% | 3,195 |
| Retained earnings to average equity (ytd only) | 2.6026% | 3,820 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.6285% | 3,395 |
| Assets per employee ($millions) | 11.1569% | 488 |
| Cash dividends to net income (ytd only)* | 70.1978% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 1,686 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.4500% | 187 |
| Net loans and leases to deposits | 126.6718% | 50 |
| Net loans and leases to core deposits | 182.1355% | 35 |
| Total domestic deposits to total assets | 67.4600% | 4,511 |
| Equity capital to assets | 16.3074% | 368 |
| Core capital (leverage) ratio | 16.3838% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $111,036,200 | 3,824 |
| Average earning assets | $108,148,600 | 3,744 |
| Average equity | $17,943,400 | 3,127 |
| Average total loans | $94,960,600 | 3,218 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 129 |
| Cost of funding earning assets | 0.9115% | 97 |
| Net interest margin | 4.4661% | 252 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 2.5800% | 1,765 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.3405% | 1,233 |
| Return on assets (ROA) | 1.3405% | 1,215 |
| Pretax return on assets | 1.7865% | 755 |
| Return on Equity (ROE) | 8.3100% | 3,232 |
| Retained earnings to average equity (ytd only) | 2.1624% | 3,989 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.2654% | 3,214 |
| Assets per employee ($millions) | 11.1798% | 473 |
| Cash dividends to net income (ytd only)* | 73.9910% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,802 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.8000% | 133 |
| Net loans and leases to deposits | 121.7012% | 49 |
| Net loans and leases to core deposits | 173.3880% | 37 |
| Total domestic deposits to total assets | 70.5000% | 4,529 |
| Equity capital to assets | 16.1157% | 366 |
| Core capital (leverage) ratio | 16.2863% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $110,903,000 | 3,850 |
| Average earning assets | $108,100,750 | 3,771 |
| Average equity | $17,880,750 | 3,168 |
| Average total loans | $94,540,250 | 3,240 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 134 |
| Cost of funding earning assets | 0.8456% | 76 |
| Net interest margin | 4.3245% | 263 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 2.5966% | 1,648 |
| Loan and lease loss provision to assets | -0.1447% | 4,644 |
| Net operating income to assets | 1.3236% | 1,081 |
| Return on assets (ROA) | 1.3236% | 1,060 |
| Pretax return on assets | 1.7648% | 646 |
| Return on Equity (ROE) | 8.2084% | 2,965 |
| Retained earnings to average equity (ytd only) | 2.0409% | 3,738 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5780% | 3,093 |
| Assets per employee ($millions) | 10.6796% | 541 |
| Cash dividends to net income (ytd only)* | 75.1366% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.7925% | 94 |
| Net loans and leases to deposits | 118.5337% | 48 |
| Net loans and leases to core deposits | 154.2033% | 44 |
| Total domestic deposits to total assets | 72.3782% | 4,575 |
| Equity capital to assets | 16.7694% | 293 |
| Core capital (leverage) ratio | 16.3232% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,604,667 | 3,893 |
| Average earning assets | $107,851,667 | 3,822 |
| Average equity | $17,835,333 | 3,249 |
| Average total loans | $93,642,667 | 3,280 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 149 |
| Cost of funding earning assets | 0.8712% | 64 |
| Net interest margin | 4.1518% | 307 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 2.5065% | 1,867 |
| Loan and lease loss provision to assets | -0.4373% | 4,746 |
| Net operating income to assets | 1.4861% | 656 |
| Return on assets (ROA) | 1.4861% | 648 |
| Pretax return on assets | 1.9803% | 374 |
| Return on Equity (ROE) | 9.3941% | 2,188 |
| Retained earnings to average equity (ytd only) | 3.2138% | 3,192 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8964% | 3,274 |
| Assets per employee ($millions) | 11.1811% | 482 |
| Cash dividends to net income (ytd only)* | 65.7895% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,137 |
| 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 | 78.8008% | 313 |
| Net loans and leases to deposits | 106.4646% | 93 |
| Net loans and leases to core deposits | 136.8859% | 71 |
| Total domestic deposits to total assets | 74.0160% | 4,571 |
| Equity capital to assets | 15.9823% | 319 |
| Core capital (leverage) ratio | 16.0229% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,509,000 | 3,888 |
| Average earning assets | $109,736,000 | 3,826 |
| Average equity | $17,798,500 | 3,344 |
| Average total loans | $94,030,500 | 3,273 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 241 |
| Cost of funding earning assets | 1.1108% | 41 |
| Net interest margin | 3.9659% | 757 |
| Noninterest income to average assets | 0.0017% | 4,805 |
| Noninterest expense to average assets | 2.3447% | 2,672 |
| Loan and lease loss provision to assets | 0.1147% | 1,096 |
| Net operating income to assets | 0.9833% | 2,742 |
| Return on assets (ROA) | 0.9826% | 2,813 |
| Pretax return on assets | 1.4091% | 2,022 |
| Return on Equity (ROE) | 6.6930% | 3,601 |
| Retained earnings to average equity (ytd only) | -3.1414% | 4,660 |
| Net charge-offs to loans | 0.2972% | 295 |
| Credit loss provision to net charge-offs | 46.6443% | 2,154 |
| Earnings coverage of net charge-offs (x) | 6.2013% | 2,412 |
| Efficiency ratio | 60.5970% | 3,062 |
| Assets per employee ($millions) | 9.4339% | 799 |
| Cash dividends to net income (ytd only)* | 146.9353% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,179 |
| Loan loss allowance to noncurrent loans | 1,010.6870% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 3,118 |
| Noncurrent loans to loans | 0.1327% | 3,272 |
| Net loans and leases to total assets | 86.0618% | 61 |
| Net loans and leases to deposits | 115.8561% | 52 |
| Net loans and leases to core deposits | 147.6428% | 55 |
| Total domestic deposits to total assets | 74.2834% | 4,575 |
| Equity capital to assets | 15.6589% | 413 |
| Core capital (leverage) ratio | 15.6312% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,209,000 | 3,789 |
| Average earning assets | $118,208,000 | 3,704 |
| Average equity | $17,794,800 | 3,406 |
| Average total loans | $100,263,400 | 3,193 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 265 |
| Cost of funding earning assets | 1.1639% | 43 |
| Net interest margin | 3.9143% | 913 |
| Noninterest income to average assets | 0.0011% | 4,882 |
| Noninterest expense to average assets | 2.3234% | 2,683 |
| Loan and lease loss provision to assets | 0.1566% | 705 |
| Net operating income to assets | 0.9272% | 3,157 |
| Return on assets (ROA) | 0.9263% | 3,236 |
| Pretax return on assets | 1.3375% | 2,522 |
| Return on Equity (ROE) | 6.4076% | 3,817 |
| Retained earnings to average equity (ytd only) | -4.0721% | 4,767 |
| Net charge-offs to loans | 0.3948% | 192 |
| Credit loss provision to net charge-offs | 48.6577% | 1,869 |
| Earnings coverage of net charge-offs (x) | 4.6376% | 2,255 |
| Efficiency ratio | 60.8388% | 2,856 |
| Assets per employee ($millions) | 9.6718% | 718 |
| Cash dividends to net income (ytd only)* | 163.5514% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 84.3160% | 108 |
| Net loans and leases to deposits | 115.4190% | 62 |
| Net loans and leases to core deposits | 146.6873% | 63 |
| Total domestic deposits to total assets | 73.0521% | 4,666 |
| Equity capital to assets | 15.2868% | 497 |
| Core capital (leverage) ratio | 15.2304% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,209,500 | 3,808 |
| Average earning assets | $120,172,750 | 3,720 |
| Average equity | $17,811,750 | 3,444 |
| Average total loans | $100,641,250 | 3,229 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 360 |
| Cost of funding earning assets | 1.2257% | 38 |
| Net interest margin | 3.7392% | 1,244 |
| Noninterest income to average assets | 0.0016% | 4,917 |
| Noninterest expense to average assets | 2.2931% | 2,786 |
| Loan and lease loss provision to assets | 0.2628% | 365 |
| Net operating income to assets | 0.7688% | 3,600 |
| Return on assets (ROA) | 0.7676% | 3,666 |
| Pretax return on assets | 1.0924% | 3,242 |
| Return on Equity (ROE) | 5.4051% | 4,056 |
| Retained earnings to average equity (ytd only) | -5.8088% | 4,798 |
| Net charge-offs to loans | 0.5894% | 131 |
| Credit loss provision to net charge-offs | 55.3691% | 1,580 |
| Earnings coverage of net charge-offs (x) | 2.8591% | 2,101 |
| Efficiency ratio | 62.8272% | 2,609 |
| Assets per employee ($millions) | 9.9503% | 617 |
| Cash dividends to net income (ytd only)* | 207.4689% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 83.2443% | 162 |
| Net loans and leases to deposits | 110.4068% | 109 |
| Net loans and leases to core deposits | 141.6275% | 83 |
| Total domestic deposits to total assets | 75.3978% | 4,593 |
| Equity capital to assets | 14.8814% | 547 |
| Core capital (leverage) ratio | 14.4641% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,592,333 | 3,787 |
| Average earning assets | $122,541,000 | 3,705 |
| Average equity | $17,835,000 | 3,444 |
| Average total loans | $101,125,667 | 3,237 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 496 |
| Cost of funding earning assets | 1.2770% | 40 |
| Net interest margin | 3.5062% | 1,805 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 2.2442% | 2,960 |
| Loan and lease loss provision to assets | 0.5004% | 129 |
| Net operating income to assets | 0.5098% | 4,157 |
| Return on assets (ROA) | 0.5098% | 4,192 |
| Pretax return on assets | 0.6776% | 4,064 |
| Return on Equity (ROE) | 3.6714% | 4,351 |
| Retained earnings to average equity (ytd only) | -18.7150% | 4,908 |
| Net charge-offs to loans | 1.1765% | 60 |
| Credit loss provision to net charge-offs | 54.0268% | 1,301 |
| Earnings coverage of net charge-offs (x) | 1.2718% | 1,860 |
| Efficiency ratio | 65.5767% | 2,291 |
| Assets per employee ($millions) | 10.6693% | 489 |
| Cash dividends to net income (ytd only)* | 609.7561% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 77.3760% | 509 |
| Net loans and leases to deposits | 100.0778% | 283 |
| Net loans and leases to core deposits | 133.4078% | 125 |
| Total domestic deposits to total assets | 77.3158% | 4,494 |
| Equity capital to assets | 13.6294% | 763 |
| Core capital (leverage) ratio | 13.9403% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,686,500 | 3,755 |
| Average earning assets | $125,607,500 | 3,676 |
| Average equity | $17,868,000 | 3,434 |
| Average total loans | $101,315,000 | 3,239 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1728% | 349 |
| Cost of funding earning assets | 1.6824% | 37 |
| Net interest margin | 3.4904% | 2,503 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 2.1149% | 3,902 |
| Loan and lease loss provision to assets | -0.0085% | 4,907 |
| Net operating income to assets | 0.9600% | 2,438 |
| Return on assets (ROA) | 0.9674% | 2,557 |
| Pretax return on assets | 1.2960% | 1,989 |
| Return on Equity (ROE) | 7.0141% | 3,203 |
| Retained earnings to average equity (ytd only) | 1.4073% | 4,065 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3291% | 3,070 |
| Assets per employee ($millions) | 10.7784% | 422 |
| Cash dividends to net income (ytd only)* | 79.9361% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,774 |
| Loan loss allowance to noncurrent loans | 289.0838% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,399 |
| Noncurrent loans to loans | 0.5019% | 2,467 |
| Net loans and leases to total assets | 77.8833% | 613 |
| Net loans and leases to deposits | 100.3377% | 366 |
| Net loans and leases to core deposits | 136.0328% | 149 |
| Total domestic deposits to total assets | 77.6212% | 4,358 |
| Equity capital to assets | 14.1378% | 760 |
| Core capital (leverage) ratio | 14.0849% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,319,200 | 3,635 |
| Average earning assets | $125,716,000 | 3,562 |
| Average equity | $17,835,600 | 3,382 |
| Average total loans | $103,478,600 | 3,188 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 404 |
| Cost of funding earning assets | 1.7506% | 41 |
| Net interest margin | 3.4598% | 2,721 |
| Noninterest income to average assets | -0.0010% | 5,001 |
| Noninterest expense to average assets | 2.1405% | 3,849 |
| Loan and lease loss provision to assets | 0.0595% | 3,600 |
| Net operating income to assets | 0.8677% | 2,836 |
| Return on assets (ROA) | 0.8774% | 2,916 |
| Pretax return on assets | 1.1713% | 2,485 |
| Return on Equity (ROE) | 6.4021% | 3,408 |
| Retained earnings to average equity (ytd only) | -1.1209% | 4,628 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7201% | 2,784 |
| Assets per employee ($millions) | 11.0508% | 382 |
| Cash dividends to net income (ytd only)* | 117.5088% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,534 |
| Loan loss allowance to noncurrent loans | 298.4615% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 2,604 |
| Noncurrent loans to loans | 0.4860% | 2,608 |
| Net loans and leases to total assets | 79.5106% | 655 |
| Net loans and leases to deposits | 101.3456% | 477 |
| Net loans and leases to core deposits | 140.5216% | 160 |
| Total domestic deposits to total assets | 78.4549% | 4,130 |
| Equity capital to assets | 13.4877% | 1,005 |
| Core capital (leverage) ratio | 13.6335% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,313,750 | 3,621 |
| Average earning assets | $125,593,500 | 3,547 |
| Average equity | $17,723,000 | 3,392 |
| Average total loans | $103,793,750 | 3,187 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3071% | 476 |
| Cost of funding earning assets | 1.8210% | 37 |
| Net interest margin | 3.4860% | 2,837 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 2.1901% | 3,813 |
| Loan and lease loss provision to assets | 0.0109% | 4,080 |
| Net operating income to assets | 0.8830% | 2,763 |
| Return on assets (ROA) | 0.8954% | 2,823 |
| Pretax return on assets | 1.1949% | 2,384 |
| Return on Equity (ROE) | 6.4974% | 3,333 |
| Retained earnings to average equity (ytd only) | -4.8221% | 4,763 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7900% | 2,695 |
| Assets per employee ($millions) | 10.8381% | 400 |
| Cash dividends to net income (ytd only)* | 174.2160% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,406 |
| Loan loss allowance to noncurrent loans | 378.0856% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 1,237 |
| Noncurrent loans to loans | 0.3835% | 3,036 |
| Net loans and leases to total assets | 78.4318% | 798 |
| Net loans and leases to deposits | 100.2536% | 532 |
| Net loans and leases to core deposits | 139.9067% | 169 |
| Total domestic deposits to total assets | 78.2334% | 4,159 |
| Equity capital to assets | 13.5394% | 975 |
| Core capital (leverage) ratio | 13.8268% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,215,000 | 3,615 |
| Average earning assets | $124,325,000 | 3,543 |
| Average equity | $17,668,667 | 3,398 |
| Average total loans | $102,728,000 | 3,195 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 371 |
| Cost of funding earning assets | 1.8845% | 56 |
| Net interest margin | 3.6298% | 2,570 |
| Noninterest income to average assets | 0.0031% | 5,053 |
| Noninterest expense to average assets | 2.2185% | 3,962 |
| Loan and lease loss provision to assets | -0.0628% | 5,064 |
| Net operating income to assets | 1.0244% | 2,098 |
| Return on assets (ROA) | 1.0244% | 2,197 |
| Pretax return on assets | 1.3701% | 1,655 |
| Return on Equity (ROE) | 7.3679% | 2,790 |
| Retained earnings to average equity (ytd only) | -15.2329% | 4,903 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9234% | 3,382 |
| Assets per employee ($millions) | 9.9600% | 388 |
| Cash dividends to net income (ytd only)* | 306.7485% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 1,968 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.3618% | 1,076 |
| Net loans and leases to deposits | 93.9398% | 1,086 |
| Net loans and leases to core deposits | 131.9424% | 241 |
| Total domestic deposits to total assets | 82.3525% | 3,318 |
| Equity capital to assets | 13.4090% | 1,258 |
| Core capital (leverage) ratio | 13.8170% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,294,000 | 3,615 |
| Average earning assets | $123,534,000 | 3,529 |
| Average equity | $17,698,500 | 3,401 |
| Average total loans | $102,338,500 | 3,189 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 377 |
| Cost of funding earning assets | 1.8638% | 111 |
| Net interest margin | 3.8674% | 2,282 |
| Noninterest income to average assets | 0.0048% | 5,120 |
| Noninterest expense to average assets | 2.2252% | 4,112 |
| Loan and lease loss provision to assets | -0.0399% | 4,997 |
| Net operating income to assets | 1.2319% | 1,938 |
| Return on assets (ROA) | 1.2338% | 2,020 |
| Pretax return on assets | 1.5736% | 1,572 |
| Return on Equity (ROE) | 8.5727% | 2,917 |
| Retained earnings to average equity (ytd only) | 3.0312% | 3,517 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2357% | 3,810 |
| Assets per employee ($millions) | 8.9363% | 513 |
| Cash dividends to net income (ytd only)* | 64.6412% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 1,849 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 81.1627% | 652 |
| Net loans and leases to deposits | 95.3965% | 1,003 |
| Net loans and leases to core deposits | 135.1268% | 221 |
| Total domestic deposits to total assets | 85.0793% | 2,459 |
| Equity capital to assets | 14.4155% | 960 |
| Core capital (leverage) ratio | 14.3290% | 842 |
| Tier 1 risk-based capital ratio | 19.4527% | 1,423 |
| Total risk-based capital ratio | 20.7071% | 1,384 |
| Memoranda: | ||
| Average total assets | $125,383,400 | 3,623 |
| Average earning assets | $121,631,800 | 3,541 |
| Average equity | $18,045,600 | 3,335 |
| Average total loans | $105,755,000 | 3,148 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7658% | 374 |
| Cost of funding earning assets | 1.8365% | 123 |
| Net interest margin | 3.9293% | 2,162 |
| Noninterest income to average assets | 0.0053% | 5,198 |
| Noninterest expense to average assets | 2.2159% | 4,155 |
| Loan and lease loss provision to assets | -0.0181% | 5,074 |
| Net operating income to assets | 1.2127% | 2,152 |
| Return on assets (ROA) | 1.2127% | 2,224 |
| Pretax return on assets | 1.6186% | 1,572 |
| Return on Equity (ROE) | 8.4291% | 3,143 |
| Retained earnings to average equity (ytd only) | 8.4291% | 1,233 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0618% | 3,928 |
| Assets per employee ($millions) | 9.0805% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 2,003 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.5948% | 619 |
| Net loans and leases to deposits | 96.1790% | 996 |
| Net loans and leases to core deposits | 136.2006% | 227 |
| Total domestic deposits to total assets | 84.8364% | 2,483 |
| Equity capital to assets | 14.6539% | 937 |
| Core capital (leverage) ratio | 14.7504% | 802 |
| Tier 1 risk-based capital ratio | 19.1721% | 1,529 |
| Total risk-based capital ratio | 20.4257% | 1,496 |
| Memoranda: | ||
| Average total assets | $125,452,250 | 3,655 |
| Average earning assets | $121,680,750 | 3,578 |
| Average equity | $18,048,250 | 3,353 |
| Average total loans | $106,435,000 | 3,175 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7228% | 382 |
| Cost of funding earning assets | 1.7969% | 130 |
| Net interest margin | 3.9258% | 2,165 |
| Noninterest income to average assets | 0.0064% | 5,246 |
| Noninterest expense to average assets | 2.2339% | 4,160 |
| Loan and lease loss provision to assets | -0.0064% | 5,113 |
| Net operating income to assets | 1.1898% | 2,186 |
| Return on assets (ROA) | 1.1898% | 2,248 |
| Pretax return on assets | 1.5853% | 1,587 |
| Return on Equity (ROE) | 8.3228% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.3228% | 1,272 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5888% | 3,921 |
| Assets per employee ($millions) | 8.8694% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,416 |
| Loan loss allowance to noncurrent loans | 287.8505% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 1,203 |
| Noncurrent loans to loans | 0.5040% | 2,768 |
| Net loans and leases to total assets | 84.2549% | 336 |
| Net loans and leases to deposits | 99.4232% | 716 |
| Net loans and leases to core deposits | 144.1378% | 166 |
| Total domestic deposits to total assets | 84.7437% | 2,583 |
| Equity capital to assets | 14.6821% | 898 |
| Core capital (leverage) ratio | 14.6929% | 776 |
| Tier 1 risk-based capital ratio | 18.5257% | 1,661 |
| Total risk-based capital ratio | 19.7797% | 1,623 |
| Memoranda: | ||
| Average total assets | $124,894,000 | 3,693 |
| Average earning assets | $121,095,330 | 3,608 |
| Average equity | $17,854,670 | 3,372 |
| Average total loans | $106,828,000 | 3,184 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 381 |
| Cost of funding earning assets | 1.7429% | 135 |
| Net interest margin | 3.9273% | 2,104 |
| Noninterest income to average assets | 0.0064% | 5,302 |
| Noninterest expense to average assets | 2.2259% | 4,197 |
| Loan and lease loss provision to assets | 0.0671% | 2,329 |
| Net operating income to assets | 1.1401% | 2,309 |
| Return on assets (ROA) | 1.1401% | 2,361 |
| Pretax return on assets | 1.5201% | 1,704 |
| Return on Equity (ROE) | 8.0831% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.0831% | 1,624 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3752% | 4,026 |
| Assets per employee ($millions) | 8.9170% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 2,076 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 85.1776% | 261 |
| Net loans and leases to deposits | 99.8657% | 647 |
| Net loans and leases to core deposits | 144.0586% | 157 |
| Total domestic deposits to total assets | 85.2921% | 2,563 |
| Equity capital to assets | 14.2945% | 939 |
| Core capital (leverage) ratio | 14.2149% | 894 |
| Tier 1 risk-based capital ratio | 18.0859% | 1,777 |
| Total risk-based capital ratio | 19.3396% | 1,729 |
| Memoranda: | ||
| Average total assets | $125,255,000 | 3,717 |
| Average earning assets | $121,405,500 | 3,638 |
| Average equity | $17,666,500 | 3,388 |
| Average total loans | $107,161,500 | 3,211 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5457% | 367 |
| Cost of funding earning assets | 1.3521% | 174 |
| Net interest margin | 4.1936% | 1,407 |
| Noninterest income to average assets | 0.6035% | 2,272 |
| Noninterest expense to average assets | 2.2978% | 4,130 |
| Loan and lease loss provision to assets | 0.1004% | 2,179 |
| Net operating income to assets | 1.6824% | 717 |
| Return on assets (ROA) | 1.6811% | 718 |
| Pretax return on assets | 2.2558% | 319 |
| Return on Equity (ROE) | 12.3684% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.6428% | 698 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3546% | 4,977 |
| Assets per employee ($millions) | 8.9766% | 470 |
| Cash dividends to net income (ytd only)* | 22.0372% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 2,049 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 83.4553% | 459 |
| Net loans and leases to deposits | 101.3304% | 637 |
| Net loans and leases to core deposits | 144.4330% | 166 |
| Total domestic deposits to total assets | 82.3596% | 3,532 |
| Equity capital to assets | 13.9156% | 1,001 |
| Core capital (leverage) ratio | 14.2463% | 855 |
| Tier 1 risk-based capital ratio | 17.4307% | 1,912 |
| Total risk-based capital ratio | 18.6825% | 1,873 |
| Memoranda: | ||
| Average total assets | $121,464,600 | 3,766 |
| Average earning assets | $117,370,200 | 3,688 |
| Average equity | $16,509,800 | 3,460 |
| Average total loans | $100,871,600 | 3,277 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 348 |
| Cost of funding earning assets | 1.2946% | 163 |
| Net interest margin | 4.2231% | 1,302 |
| Noninterest income to average assets | 0.8039% | 1,462 |
| Noninterest expense to average assets | 2.3142% | 4,062 |
| Loan and lease loss provision to assets | 0.0698% | 2,574 |
| Net operating income to assets | 1.8600% | 541 |
| Return on assets (ROA) | 1.8591% | 538 |
| Pretax return on assets | 2.4969% | 234 |
| Return on Equity (ROE) | 13.7631% | 1,180 |
| Retained earnings to average equity (ytd only) | 10.0744% | 900 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4030% | 5,081 |
| Assets per employee ($millions) | 8.7060% | 493 |
| Cash dividends to net income (ytd only)* | 26.8019% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 1,998 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.7927% | 591 |
| Net loans and leases to deposits | 97.9947% | 950 |
| Net loans and leases to core deposits | 138.8333% | 219 |
| Total domestic deposits to total assets | 84.4869% | 2,792 |
| Equity capital to assets | 14.0502% | 945 |
| Core capital (leverage) ratio | 14.2048% | 885 |
| Tier 1 risk-based capital ratio | 17.1373% | 2,050 |
| Total risk-based capital ratio | 18.3902% | 1,991 |
| Memoranda: | ||
| Average total assets | $120,412,750 | 3,821 |
| Average earning assets | $116,277,500 | 3,749 |
| Average equity | $16,265,250 | 3,514 |
| Average total loans | $99,483,500 | 3,332 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 322 |
| Cost of funding earning assets | 1.2499% | 149 |
| Net interest margin | 4.2371% | 1,198 |
| Noninterest income to average assets | 0.0317% | 5,439 |
| Noninterest expense to average assets | 2.3348% | 4,061 |
| Loan and lease loss provision to assets | 0.0417% | 3,067 |
| Net operating income to assets | 1.3088% | 1,739 |
| Return on assets (ROA) | 1.3075% | 1,736 |
| Pretax return on assets | 1.7411% | 1,115 |
| Return on Equity (ROE) | 9.8131% | 2,652 |
| Retained earnings to average equity (ytd only) | 4.1806% | 3,519 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6802% | 4,393 |
| Assets per employee ($millions) | 8.5999% | 506 |
| Cash dividends to net income (ytd only)* | 57.3980% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 1,695 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.6643% | 749 |
| Net loans and leases to deposits | 95.3509% | 1,214 |
| Net loans and leases to core deposits | 132.8366% | 281 |
| Total domestic deposits to total assets | 85.6461% | 2,436 |
| Equity capital to assets | 13.4802% | 1,109 |
| Core capital (leverage) ratio | 13.6564% | 1,009 |
| Tier 1 risk-based capital ratio | 16.8415% | 2,151 |
| Total risk-based capital ratio | 18.0950% | 2,100 |
| Memoranda: | ||
| Average total assets | $119,922,330 | 3,860 |
| Average earning assets | $115,692,000 | 3,780 |
| Average equity | $15,978,670 | 3,567 |
| Average total loans | $98,512,670 | 3,362 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 326 |
| Cost of funding earning assets | 1.2098% | 136 |
| Net interest margin | 4.2013% | 1,176 |
| Noninterest income to average assets | -0.0769% | 5,587 |
| Noninterest expense to average assets | 2.3662% | 4,027 |
| Loan and lease loss provision to assets | -0.0134% | 5,416 |
| Net operating income to assets | 1.2165% | 1,940 |
| Return on assets (ROA) | 1.2165% | 1,948 |
| Pretax return on assets | 1.6209% | 1,333 |
| Return on Equity (ROE) | 9.1844% | 2,814 |
| Retained earnings to average equity (ytd only) | -2.1699% | 5,023 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5458% | 4,124 |
| Assets per employee ($millions) | 8.5073% | 528 |
| Cash dividends to net income (ytd only)* | 123.6264% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,656 |
| Loan loss allowance to noncurrent loans | 396.0894% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 1,076 |
| Noncurrent loans to loans | 0.3662% | 3,462 |
| Net loans and leases to total assets | 80.8954% | 811 |
| Net loans and leases to deposits | 93.9925% | 1,224 |
| Net loans and leases to core deposits | 129.2204% | 354 |
| Total domestic deposits to total assets | 86.0657% | 2,518 |
| Equity capital to assets | 13.2743% | 1,125 |
| Core capital (leverage) ratio | 13.1917% | 1,106 |
| Tier 1 risk-based capital ratio | 16.7328% | 2,200 |
| Total risk-based capital ratio | 17.9859% | 2,146 |
| Memoranda: | ||
| Average total assets | $119,684,000 | 3,904 |
| Average earning assets | $115,392,500 | 3,821 |
| Average equity | $15,853,000 | 3,604 |
| Average total loans | $97,884,000 | 3,399 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2798% | 380 |
| Cost of funding earning assets | 1.1132% | 118 |
| Net interest margin | 4.1666% | 1,262 |
| Noninterest income to average assets | 0.0695% | 5,490 |
| Noninterest expense to average assets | 2.2380% | 4,458 |
| Loan and lease loss provision to assets | 0.0113% | 4,057 |
| Net operating income to assets | 1.0139% | 2,180 |
| Return on assets (ROA) | 1.0124% | 2,221 |
| Pretax return on assets | 1.8155% | 766 |
| Return on Equity (ROE) | 8.1248% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.0174% | 1,534 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0258% | 4,859 |
| Assets per employee ($millions) | 8.5951% | 511 |
| Cash dividends to net income (ytd only)* | 25.9377% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,577 |
| Loan loss allowance to noncurrent loans | 397.2067% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 1,313 |
| Noncurrent loans to loans | 0.3653% | 3,461 |
| Net loans and leases to total assets | 80.2613% | 920 |
| Net loans and leases to deposits | 93.3348% | 1,351 |
| Net loans and leases to core deposits | 126.6922% | 417 |
| Total domestic deposits to total assets | 85.9929% | 2,436 |
| Equity capital to assets | 13.2558% | 1,144 |
| Core capital (leverage) ratio | 12.9746% | 1,151 |
| Tier 1 risk-based capital ratio | 16.6084% | 2,227 |
| Total risk-based capital ratio | 17.8609% | 2,174 |
| Memoranda: | ||
| Average total assets | $123,768,800 | 3,841 |
| Average earning assets | $118,754,400 | 3,768 |
| Average equity | $15,422,000 | 3,666 |
| Average total loans | $97,748,400 | 3,386 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 395 |
| Cost of funding earning assets | 1.0921% | 118 |
| Net interest margin | 4.1417% | 1,293 |
| Noninterest income to average assets | 0.0781% | 5,536 |
| Noninterest expense to average assets | 2.2145% | 4,494 |
| Loan and lease loss provision to assets | 0.0246% | 3,652 |
| Net operating income to assets | 1.1332% | 1,943 |
| Return on assets (ROA) | 1.1319% | 2,007 |
| Pretax return on assets | 1.8048% | 883 |
| Return on Equity (ROE) | 9.2260% | 2,486 |
| Retained earnings to average equity (ytd only) | 6.3919% | 2,017 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7329% | 4,878 |
| Assets per employee ($millions) | 8.9161% | 454 |
| Cash dividends to net income (ytd only)* | 30.7182% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,697 |
| Loan loss allowance to noncurrent loans | 320.8520% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 1,056 |
| Noncurrent loans to loans | 0.4525% | 3,346 |
| Net loans and leases to total assets | 77.8219% | 1,295 |
| Net loans and leases to deposits | 89.6500% | 1,849 |
| Net loans and leases to core deposits | 126.5331% | 396 |
| Total domestic deposits to total assets | 86.8064% | 1,956 |
| Equity capital to assets | 12.6216% | 1,594 |
| Core capital (leverage) ratio | 12.5691% | 1,390 |
| Tier 1 risk-based capital ratio | 15.8362% | 2,576 |
| Total risk-based capital ratio | 17.0887% | 2,510 |
| Memoranda: | ||
| Average total assets | $124,628,000 | 3,871 |
| Average earning assets | $119,400,250 | 3,792 |
| Average equity | $15,289,750 | 3,717 |
| Average total loans | $97,685,000 | 3,418 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 420 |
| Cost of funding earning assets | 1.0642% | 120 |
| Net interest margin | 4.1024% | 1,322 |
| Noninterest income to average assets | 0.0883% | 5,554 |
| Noninterest expense to average assets | 2.2302% | 4,501 |
| Loan and lease loss provision to assets | 0.0321% | 3,356 |
| Net operating income to assets | 1.0966% | 1,995 |
| Return on assets (ROA) | 1.0966% | 2,053 |
| Pretax return on assets | 1.7501% | 943 |
| Return on Equity (ROE) | 9.0256% | 2,497 |
| Retained earnings to average equity (ytd only) | 4.7309% | 2,898 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5822% | 4,870 |
| Assets per employee ($millions) | 8.9667% | 427 |
| Cash dividends to net income (ytd only)* | 47.5842% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,761 |
| Loan loss allowance to noncurrent loans | 320.1794% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 1,083 |
| Noncurrent loans to loans | 0.4529% | 3,389 |
| Net loans and leases to total assets | 77.3113% | 1,347 |
| Net loans and leases to deposits | 88.5689% | 1,915 |
| Net loans and leases to core deposits | 123.1124% | 462 |
| Total domestic deposits to total assets | 87.2895% | 1,809 |
| Equity capital to assets | 12.2525% | 1,758 |
| Core capital (leverage) ratio | 12.2305% | 1,511 |
| Tier 1 risk-based capital ratio | 15.3281% | 2,787 |
| Total risk-based capital ratio | 16.5798% | 2,721 |
| Memoranda: | ||
| Average total assets | $124,562,000 | 3,887 |
| Average earning assets | $119,149,000 | 3,823 |
| Average equity | $15,134,670 | 3,743 |
| Average total loans | $97,389,000 | 3,439 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 428 |
| Cost of funding earning assets | 1.0044% | 160 |
| Net interest margin | 4.1192% | 1,172 |
| Noninterest income to average assets | 0.0097% | 5,792 |
| Noninterest expense to average assets | 2.2535% | 4,524 |
| Loan and lease loss provision to assets | 0.1290% | 1,489 |
| Net operating income to assets | 0.9736% | 2,422 |
| Return on assets (ROA) | 0.9736% | 2,475 |
| Pretax return on assets | 1.5539% | 1,366 |
| Return on Equity (ROE) | 8.0472% | 2,901 |
| Retained earnings to average equity (ytd only) | -0.6129% | 5,017 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2482% | 4,804 |
| Assets per employee ($millions) | 8.9896% | 429 |
| Cash dividends to net income (ytd only)* | 107.6159% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,864 |
| Loan loss allowance to noncurrent loans | 249.2255% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 734 |
| Noncurrent loans to loans | 0.5820% | 3,067 |
| Net loans and leases to total assets | 78.1636% | 1,109 |
| Net loans and leases to deposits | 92.2624% | 1,302 |
| Net loans and leases to core deposits | 127.7359% | 293 |
| Total domestic deposits to total assets | 84.7188% | 3,206 |
| Equity capital to assets | 11.9186% | 1,900 |
| Core capital (leverage) ratio | 12.1084% | 1,557 |
| Tier 1 risk-based capital ratio | 14.5099% | 3,194 |
| Total risk-based capital ratio | 15.7616% | 3,131 |
| Memoranda: | ||
| Average total assets | $124,076,000 | 3,930 |
| Average earning assets | $118,276,000 | 3,864 |
| Average equity | $15,011,500 | 3,783 |
| Average total loans | $96,843,500 | 3,470 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 481 |
| Cost of funding earning assets | 0.9903% | 181 |
| Net interest margin | 4.1331% | 1,298 |
| Noninterest income to average assets | -0.1702% | 5,897 |
| Noninterest expense to average assets | 2.3595% | 4,397 |
| Loan and lease loss provision to assets | 0.2067% | 1,099 |
| Net operating income to assets | 0.7482% | 3,544 |
| Return on assets (ROA) | 0.7513% | 3,651 |
| Pretax return on assets | 1.1980% | 2,683 |
| Return on Equity (ROE) | 6.1778% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.4473% | 3,475 |
| Net charge-offs to loans | 0.2278% | 1,224 |
| Credit loss provision to net charge-offs | 118.5714% | 2,240 |
| Earnings coverage of net charge-offs (x) | 8.0286% | 2,936 |
| Efficiency ratio | 62.7650% | 4,138 |
| Assets per employee ($millions) | 8.7356% | 456 |
| Cash dividends to net income (ytd only)* | 44.1989% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,665 |
| Loan loss allowance to noncurrent loans | 1,618.3908% | 393 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 1,083 |
| Noncurrent loans to loans | 0.0927% | 4,869 |
| Net loans and leases to total assets | 75.6014% | 1,582 |
| Net loans and leases to deposits | 86.6467% | 2,089 |
| Net loans and leases to core deposits | 117.2088% | 573 |
| Total domestic deposits to total assets | 87.2524% | 2,000 |
| Equity capital to assets | 12.2839% | 1,643 |
| Core capital (leverage) ratio | 12.3683% | 1,395 |
| Tier 1 risk-based capital ratio | 14.9945% | 2,965 |
| Total risk-based capital ratio | 16.2461% | 2,906 |
| Memoranda: | ||
| Average total assets | $120,450,200 | 3,987 |
| Average earning assets | $114,514,000 | 3,916 |
| Average equity | $14,649,200 | 3,854 |
| Average total loans | $92,190,400 | 3,530 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 452 |
| Cost of funding earning assets | 0.9766% | 190 |
| Net interest margin | 4.1813% | 1,175 |
| Noninterest income to average assets | -0.2456% | 5,970 |
| Noninterest expense to average assets | 2.4324% | 4,186 |
| Loan and lease loss provision to assets | 0.2089% | 1,011 |
| Net operating income to assets | 0.6802% | 3,962 |
| Return on assets (ROA) | 0.6845% | 4,067 |
| Pretax return on assets | 1.0923% | 3,265 |
| Return on Equity (ROE) | 5.6425% | 4,251 |
| Retained earnings to average equity (ytd only) | 1.9785% | 4,696 |
| Net charge-offs to loans | 0.3051% | 757 |
| Credit loss provision to net charge-offs | 89.5238% | 2,533 |
| Earnings coverage of net charge-offs (x) | 5.5477% | 3,117 |
| Efficiency ratio | 65.2654% | 3,717 |
| Assets per employee ($millions) | 8.6048% | 465 |
| Cash dividends to net income (ytd only)* | 64.9353% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 1,763 |
| Loan loss allowance to noncurrent loans | 1,548.2759% | 389 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 1,143 |
| Noncurrent loans to loans | 0.0970% | 4,957 |
| Net loans and leases to total assets | 73.3703% | 1,975 |
| Net loans and leases to deposits | 84.9320% | 2,378 |
| Net loans and leases to core deposits | 112.1435% | 803 |
| Total domestic deposits to total assets | 86.3871% | 2,177 |
| Equity capital to assets | 12.2307% | 1,960 |
| Core capital (leverage) ratio | 12.0601% | 1,637 |
| Tier 1 risk-based capital ratio | 14.9388% | 3,082 |
| Total risk-based capital ratio | 16.1900% | 3,005 |
| Memoranda: | ||
| Average total assets | $119,988,250 | 4,020 |
| Average earning assets | $113,997,250 | 3,952 |
| Average equity | $14,555,750 | 3,906 |
| Average total loans | $91,771,250 | 3,556 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 429 |
| Cost of funding earning assets | 0.9460% | 224 |
| Net interest margin | 4.2480% | 1,022 |
| Noninterest income to average assets | -0.0300% | 6,027 |
| Noninterest expense to average assets | 2.4485% | 4,186 |
| Loan and lease loss provision to assets | 0.0300% | 3,528 |
| Net operating income to assets | 0.9550% | 2,606 |
| Return on assets (ROA) | 0.9614% | 2,718 |
| Pretax return on assets | 1.5339% | 1,571 |
| Return on Equity (ROE) | 7.9468% | 3,007 |
| Retained earnings to average equity (ytd only) | 2.4282% | 4,340 |
| Net charge-offs to loans | 0.0736% | 2,131 |
| Credit loss provision to net charge-offs | 52.9412% | 2,640 |
| Earnings coverage of net charge-offs (x) | 27.3824% | 1,460 |
| Efficiency ratio | 61.1760% | 4,484 |
| Assets per employee ($millions) | 8.1503% | 533 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,870 |
| Loan loss allowance to noncurrent loans | 1,555.1724% | 393 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 990 |
| Noncurrent loans to loans | 0.0963% | 5,065 |
| Net loans and leases to total assets | 72.8123% | 2,041 |
| Net loans and leases to deposits | 83.1366% | 2,576 |
| Net loans and leases to core deposits | 110.4952% | 907 |
| Total domestic deposits to total assets | 87.5816% | 1,634 |
| Equity capital to assets | 12.0192% | 2,114 |
| Core capital (leverage) ratio | 12.1588% | 1,532 |
| Tier 1 risk-based capital ratio | 15.2481% | 2,962 |
| Total risk-based capital ratio | 16.4996% | 2,900 |
| Memoranda: | ||
| Average total assets | $119,828,670 | 4,048 |
| Average earning assets | $113,747,000 | 3,983 |
| Average equity | $14,496,330 | 3,928 |
| Average total loans | $92,450,330 | 3,556 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 445 |
| Cost of funding earning assets | 0.9137% | 273 |
| Net interest margin | 4.2449% | 1,007 |
| Noninterest income to average assets | -0.0742% | 6,100 |
| Noninterest expense to average assets | 2.5427% | 3,934 |
| Loan and lease loss provision to assets | 0.6003% | 179 |
| Net operating income to assets | 0.5252% | 4,522 |
| Return on assets (ROA) | 0.5362% | 4,589 |
| Pretax return on assets | 0.8262% | 4,118 |
| Return on Equity (ROE) | 4.4174% | 4,728 |
| Retained earnings to average equity (ytd only) | -6.6956% | 5,705 |
| Net charge-offs to loans | 0.4877% | 458 |
| Credit loss provision to net charge-offs | 156.1404% | 1,246 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,513 |
| Efficiency ratio | 64.3345% | 4,065 |
| Assets per employee ($millions) | 7.8809% | 595 |
| Cash dividends to net income (ytd only)* | 251.5723% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,979 |
| Loan loss allowance to noncurrent loans | 124.6087% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 2.7273% | 511 |
| Noncurrent loans to loans | 1.2045% | 2,019 |
| Net loans and leases to total assets | 79.5515% | 878 |
| Net loans and leases to deposits | 90.9364% | 1,466 |
| Net loans and leases to core deposits | 120.4480% | 454 |
| Total domestic deposits to total assets | 87.4803% | 1,942 |
| Equity capital to assets | 12.0772% | 1,975 |
| Core capital (leverage) ratio | 12.0718% | 1,562 |
| Tier 1 risk-based capital ratio | 15.3577% | 2,992 |
| Total risk-based capital ratio | 16.6109% | 2,929 |
| Memoranda: | ||
| Average total assets | $118,616,000 | 4,104 |
| Average earning assets | $112,511,500 | 4,032 |
| Average equity | $14,397,500 | 3,952 |
| Average total loans | $93,491,000 | 3,541 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 321 |
| Cost of funding earning assets | 0.9059% | 281 |
| Net interest margin | 4.4937% | 664 |
| Noninterest income to average assets | -0.3222% | 6,169 |
| Noninterest expense to average assets | 2.3473% | 4,658 |
| Loan and lease loss provision to assets | 0.0548% | 3,217 |
| Net operating income to assets | 0.9396% | 2,667 |
| Return on assets (ROA) | 0.9396% | 2,740 |
| Pretax return on assets | 1.5013% | 1,552 |
| Return on Equity (ROE) | 8.0460% | 2,939 |
| Retained earnings to average equity (ytd only) | 5.1569% | 2,307 |
| Net charge-offs to loans | 0.1465% | 1,897 |
| Credit loss provision to net charge-offs | 46.7626% | 3,454 |
| Earnings coverage of net charge-offs (x) | 13.2734% | 2,385 |
| Efficiency ratio | 60.1340% | 4,891 |
| Assets per employee ($millions) | 7.9345% | 572 |
| Cash dividends to net income (ytd only)* | 35.9066% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 2,029 |
| Loan loss allowance to noncurrent loans | 98.0659% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.8542% | 478 |
| Noncurrent loans to loans | 1.5255% | 1,526 |
| Net loans and leases to total assets | 75.7356% | 1,460 |
| Net loans and leases to deposits | 86.7555% | 2,034 |
| Net loans and leases to core deposits | 113.6125% | 700 |
| Total domestic deposits to total assets | 87.2977% | 1,985 |
| Equity capital to assets | 12.1982% | 1,815 |
| Core capital (leverage) ratio | 12.1783% | 1,516 |
| Tier 1 risk-based capital ratio | 15.5849% | 2,889 |
| Total risk-based capital ratio | 16.8377% | 2,824 |
| Memoranda: | ||
| Average total assets | $118,561,600 | 4,089 |
| Average earning assets | $111,489,400 | 4,044 |
| Average equity | $13,845,400 | 4,003 |
| Average total loans | $94,856,200 | 3,479 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 296 |
| Cost of funding earning assets | 0.9022% | 285 |
| Net interest margin | 4.5385% | 603 |
| Noninterest income to average assets | -0.4266% | 6,259 |
| Noninterest expense to average assets | 2.3852% | 4,550 |
| Loan and lease loss provision to assets | 0.1148% | 1,968 |
| Net operating income to assets | 0.8352% | 3,250 |
| Return on assets (ROA) | 0.8352% | 3,334 |
| Pretax return on assets | 1.3316% | 2,280 |
| Return on Equity (ROE) | 7.2333% | 3,512 |
| Retained earnings to average equity (ytd only) | 3.3339% | 4,099 |
| Net charge-offs to loans | 0.1937% | 1,313 |
| Credit loss provision to net charge-offs | 73.3813% | 2,710 |
| Earnings coverage of net charge-offs (x) | 9.2445% | 2,721 |
| Efficiency ratio | 62.2503% | 4,528 |
| Assets per employee ($millions) | 8.0357% | 533 |
| Cash dividends to net income (ytd only)* | 53.9083% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4540% | 717 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 76.5572% | 1,308 |
| Net loans and leases to deposits | 87.5703% | 1,964 |
| Net loans and leases to core deposits | 113.7758% | 679 |
| Total domestic deposits to total assets | 87.4237% | 1,835 |
| Equity capital to assets | 11.7359% | 2,321 |
| Core capital (leverage) ratio | 11.8014% | 1,819 |
| Tier 1 risk-based capital ratio | 15.1268% | 3,230 |
| Total risk-based capital ratio | 16.3801% | 3,163 |
| Memoranda: | ||
| Average total assets | $118,447,500 | 4,137 |
| Average earning assets | $111,135,250 | 4,102 |
| Average equity | $13,677,250 | 4,070 |
| Average total loans | $95,693,250 | 3,495 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 280 |
| Cost of funding earning assets | 0.8988% | 293 |
| Net interest margin | 4.5682% | 557 |
| Noninterest income to average assets | -0.7660% | 6,337 |
| Noninterest expense to average assets | 2.4781% | 4,308 |
| Loan and lease loss provision to assets | 0.0679% | 2,760 |
| Net operating income to assets | 0.6081% | 4,305 |
| Return on assets (ROA) | 0.6081% | 4,418 |
| Pretax return on assets | 0.9698% | 3,697 |
| Return on Equity (ROE) | 5.2955% | 4,490 |
| Retained earnings to average equity (ytd only) | -0.6213% | 5,633 |
| Net charge-offs to loans | 0.0685% | 2,413 |
| Credit loss provision to net charge-offs | 121.2121% | 1,793 |
| Earnings coverage of net charge-offs (x) | 18.5152% | 1,804 |
| Efficiency ratio | 70.4831% | 3,263 |
| Assets per employee ($millions) | 7.9596% | 533 |
| Cash dividends to net income (ytd only)* | 111.7318% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 2,295 |
| Loan loss allowance to noncurrent loans | 256.6372% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 2.1249% | 1,006 |
| Noncurrent loans to loans | 0.5846% | 3,702 |
| Net loans and leases to total assets | 79.7276% | 839 |
| Net loans and leases to deposits | 90.6028% | 1,526 |
| Net loans and leases to core deposits | 118.1589% | 524 |
| Total domestic deposits to total assets | 87.9969% | 1,656 |
| Equity capital to assets | 11.2334% | 2,639 |
| Core capital (leverage) ratio | 11.2918% | 2,170 |
| Tier 1 risk-based capital ratio | 14.9158% | 3,404 |
| Total risk-based capital ratio | 16.1703% | 3,334 |
| Memoranda: | ||
| Average total assets | $117,751,330 | 4,193 |
| Average earning assets | $110,371,330 | 4,144 |
| Average equity | $13,521,000 | 4,118 |
| Average total loans | $96,362,670 | 3,499 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5982% | 223 |
| Cost of funding earning assets | 0.9061% | 276 |
| Net interest margin | 4.6921% | 415 |
| Noninterest income to average assets | -0.3079% | 6,390 |
| Noninterest expense to average assets | 2.6204% | 3,858 |
| Loan and lease loss provision to assets | 0.1197% | 1,731 |
| Net operating income to assets | 0.8313% | 3,105 |
| Return on assets (ROA) | 0.8313% | 3,234 |
| Pretax return on assets | 1.3273% | 2,164 |
| Return on Equity (ROE) | 7.1600% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.1600% | 1,941 |
| Net charge-offs to loans | 0.1372% | 1,425 |
| Credit loss provision to net charge-offs | 106.0606% | 1,547 |
| Earnings coverage of net charge-offs (x) | 12.8182% | 1,767 |
| Efficiency ratio | 64.4239% | 4,413 |
| Assets per employee ($millions) | 7.8504% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,438 |
| Loan loss allowance to noncurrent loans | 255.7522% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 2.2283% | 1,030 |
| Noncurrent loans to loans | 0.5869% | 3,822 |
| Net loans and leases to total assets | 80.5267% | 633 |
| Net loans and leases to deposits | 91.8651% | 1,205 |
| Net loans and leases to core deposits | 119.6892% | 421 |
| Total domestic deposits to total assets | 87.6575% | 2,008 |
| Equity capital to assets | 11.6317% | 2,351 |
| Core capital (leverage) ratio | 11.2917% | 2,164 |
| Tier 1 risk-based capital ratio | 14.4931% | 3,727 |
| Total risk-based capital ratio | 15.7466% | 3,647 |
| Memoranda: | ||
| Average total assets | $116,930,000 | 4,241 |
| Average earning assets | $109,035,000 | 4,197 |
| Average equity | $13,575,500 | 4,140 |
| Average total loans | $96,224,000 | 3,518 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8218% | 191 |
| Cost of funding earning assets | 0.9242% | 334 |
| Net interest margin | 4.8976% | 357 |
| Noninterest income to average assets | -0.5381% | 6,494 |
| Noninterest expense to average assets | 2.4697% | 4,639 |
| Loan and lease loss provision to assets | 0.2447% | 944 |
| Net operating income to assets | 0.7732% | 3,504 |
| Return on assets (ROA) | 0.7726% | 3,604 |
| Pretax return on assets | 1.2340% | 2,509 |
| Return on Equity (ROE) | 6.9110% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.3342% | 4,566 |
| Net charge-offs to loans | 0.2498% | 1,715 |
| Credit loss provision to net charge-offs | 121.6102% | 1,975 |
| Earnings coverage of net charge-offs (x) | 7.3517% | 3,047 |
| Efficiency ratio | 62.5351% | 4,825 |
| Assets per employee ($millions) | 7.7403% | 596 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 2,470 |
| Loan loss allowance to noncurrent loans | 209.1304% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0852% | 1,193 |
| Noncurrent loans to loans | 0.7174% | 3,530 |
| Net loans and leases to total assets | 81.5949% | 564 |
| Net loans and leases to deposits | 92.9786% | 1,184 |
| Net loans and leases to core deposits | 122.8681% | 340 |
| Total domestic deposits to total assets | 87.7567% | 1,892 |
| Equity capital to assets | 11.5879% | 2,358 |
| Core capital (leverage) ratio | 11.6816% | 1,840 |
| Tier 1 risk-based capital ratio | 15.0062% | 3,484 |
| Total risk-based capital ratio | 16.2610% | 3,420 |
| Memoranda: | ||
| Average total assets | $117,263,200 | 4,235 |
| Average earning assets | $107,441,200 | 4,234 |
| Average equity | $13,109,600 | 4,168 |
| Average total loans | $94,485,000 | 3,540 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6360% | 255 |
| Cost of funding earning assets | 0.9252% | 354 |
| Net interest margin | 4.7108% | 494 |
| Noninterest income to average assets | -0.4117% | 6,570 |
| Noninterest expense to average assets | 2.4442% | 4,681 |
| Loan and lease loss provision to assets | 0.2802% | 731 |
| Net operating income to assets | 0.7255% | 3,811 |
| Return on assets (ROA) | 0.7248% | 3,918 |
| Pretax return on assets | 1.1592% | 2,951 |
| Return on Equity (ROE) | 6.5419% | 3,940 |
| Retained earnings to average equity (ytd only) | 0.3993% | 5,688 |
| Net charge-offs to loans | 0.3345% | 1,198 |
| Credit loss provision to net charge-offs | 104.6610% | 2,116 |
| Earnings coverage of net charge-offs (x) | 5.3813% | 3,274 |
| Efficiency ratio | 62.9197% | 4,743 |
| Assets per employee ($millions) | 7.6080% | 608 |
| Cash dividends to net income (ytd only)* | 93.8966% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 2,703 |
| Loan loss allowance to noncurrent loans | 88.6852% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 3.9932% | 497 |
| Noncurrent loans to loans | 1.6918% | 1,922 |
| Net loans and leases to total assets | 80.7107% | 640 |
| Net loans and leases to deposits | 91.8636% | 1,241 |
| Net loans and leases to core deposits | 120.7929% | 382 |
| Total domestic deposits to total assets | 87.8593% | 1,835 |
| Equity capital to assets | 11.5554% | 2,424 |
| Core capital (leverage) ratio | 11.4908% | 2,075 |
| Tier 1 risk-based capital ratio | 15.5978% | 3,263 |
| Total risk-based capital ratio | 16.8528% | 3,201 |
| Memoranda: | ||
| Average total assets | $117,553,000 | 4,270 |
| Average earning assets | $107,212,500 | 4,287 |
| Average equity | $13,023,500 | 4,218 |
| Average total loans | $94,061,750 | 3,582 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 279 |
| Cost of funding earning assets | 0.9333% | 347 |
| Net interest margin | 4.6260% | 561 |
| Noninterest income to average assets | -0.3943% | 6,644 |
| Noninterest expense to average assets | 2.3994% | 4,882 |
| Loan and lease loss provision to assets | 0.4347% | 378 |
| Net operating income to assets | 0.6127% | 4,298 |
| Return on assets (ROA) | 0.6116% | 4,394 |
| Pretax return on assets | 0.9790% | 3,562 |
| Return on Equity (ROE) | 5.5980% | 4,387 |
| Retained earnings to average equity (ytd only) | -3.6549% | 6,147 |
| Net charge-offs to loans | 0.4711% | 859 |
| Credit loss provision to net charge-offs | 116.2162% | 1,750 |
| Earnings coverage of net charge-offs (x) | 3.7838% | 3,218 |
| Efficiency ratio | 62.8975% | 4,878 |
| Assets per employee ($millions) | 7.2859% | 700 |
| Cash dividends to net income (ytd only)* | 165.2893% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 2,896 |
| Loan loss allowance to noncurrent loans | 69.7266% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 4.0686% | 516 |
| Noncurrent loans to loans | 2.1522% | 1,541 |
| Net loans and leases to total assets | 80.4040% | 640 |
| Net loans and leases to deposits | 91.8058% | 1,171 |
| Net loans and leases to core deposits | 118.1741% | 418 |
| Total domestic deposits to total assets | 87.5805% | 2,152 |
| Equity capital to assets | 11.0753% | 2,806 |
| Core capital (leverage) ratio | 11.0235% | 2,407 |
| Tier 1 risk-based capital ratio | 14.3574% | 4,021 |
| Total risk-based capital ratio | 15.6117% | 3,953 |
| Memoranda: | ||
| Average total assets | $118,697,330 | 4,269 |
| Average earning assets | $107,998,670 | 4,290 |
| Average equity | $12,969,000 | 4,228 |
| Average total loans | $94,245,670 | 3,587 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 236 |
| Cost of funding earning assets | 0.9351% | 371 |
| Net interest margin | 4.7383% | 431 |
| Noninterest income to average assets | -0.0200% | 6,636 |
| Noninterest expense to average assets | 2.5451% | 4,467 |
| Loan and lease loss provision to assets | 0.1303% | 1,865 |
| Net operating income to assets | 1.0008% | 2,207 |
| Return on assets (ROA) | 0.9987% | 2,272 |
| Pretax return on assets | 1.5999% | 1,175 |
| Return on Equity (ROE) | 9.2014% | 2,373 |
| Retained earnings to average equity (ytd only) | -9.2630% | 6,334 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4848% | 5,472 |
| Assets per employee ($millions) | 6.9832% | 810 |
| Cash dividends to net income (ytd only)* | 200.6689% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,102 |
| Loan loss allowance to noncurrent loans | 45.0283% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 5.4812% | 351 |
| Noncurrent loans to loans | 3.3533% | 907 |
| Net loans and leases to total assets | 78.6268% | 697 |
| Net loans and leases to deposits | 88.6648% | 1,290 |
| Net loans and leases to core deposits | 113.0378% | 493 |
| Total domestic deposits to total assets | 88.6787% | 1,849 |
| Equity capital to assets | 10.8218% | 2,911 |
| Core capital (leverage) ratio | 10.7540% | 2,648 |
| Tier 1 risk-based capital ratio | 14.1498% | 4,224 |
| Total risk-based capital ratio | 15.4043% | 4,173 |
| Memoranda: | ||
| Average total assets | $119,758,500 | 4,281 |
| Average earning assets | $108,646,000 | 4,304 |
| Average equity | $12,998,000 | 4,238 |
| Average total loans | $93,789,000 | 3,612 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7702% | 238 |
| Cost of funding earning assets | 1.0247% | 397 |
| Net interest margin | 4.7455% | 480 |
| Noninterest income to average assets | -0.4928% | 6,789 |
| Noninterest expense to average assets | 2.6660% | 4,225 |
| Loan and lease loss provision to assets | 0.1614% | 2,263 |
| Net operating income to assets | 0.5782% | 4,369 |
| Return on assets (ROA) | 0.5821% | 4,462 |
| Pretax return on assets | 0.9448% | 3,583 |
| Return on Equity (ROE) | 5.1798% | 4,548 |
| Retained earnings to average equity (ytd only) | 0.3551% | 5,691 |
| Net charge-offs to loans | 0.0857% | 4,013 |
| Credit loss provision to net charge-offs | 244.7368% | 936 |
| Earnings coverage of net charge-offs (x) | 16.6842% | 1,783 |
| Efficiency ratio | 70.7901% | 3,701 |
| Assets per employee ($millions) | 7.1061% | 724 |
| Cash dividends to net income (ytd only)* | 93.1446% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 3,195 |
| Loan loss allowance to noncurrent loans | 55.4140% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 4.9088% | 489 |
| Noncurrent loans to loans | 2.7067% | 1,348 |
| Net loans and leases to total assets | 75.6720% | 1,122 |
| Net loans and leases to deposits | 85.7937% | 1,713 |
| Net loans and leases to core deposits | 108.9001% | 655 |
| Total domestic deposits to total assets | 88.2023% | 2,055 |
| Equity capital to assets | 10.8847% | 2,721 |
| Core capital (leverage) ratio | 11.1825% | 2,213 |
| Tier 1 risk-based capital ratio | 14.4179% | 4,007 |
| Total risk-based capital ratio | 15.6712% | 3,949 |
| Memoranda: | ||
| Average total assets | $115,266,400 | 4,379 |
| Average earning assets | $103,444,600 | 4,423 |
| Average equity | $12,954,200 | 4,277 |
| Average total loans | $88,680,000 | 3,720 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8388% | 225 |
| Cost of funding earning assets | 1.0549% | 384 |
| Net interest margin | 4.7839% | 446 |
| Noninterest income to average assets | -0.4636% | 6,868 |
| Noninterest expense to average assets | 2.6459% | 4,219 |
| Loan and lease loss provision to assets | 0.1780% | 2,044 |
| Net operating income to assets | 0.6082% | 4,310 |
| Return on assets (ROA) | 0.6135% | 4,414 |
| Pretax return on assets | 0.9998% | 3,503 |
| Return on Equity (ROE) | 5.4136% | 4,512 |
| Retained earnings to average equity (ytd only) | -1.0434% | 6,142 |
| Net charge-offs to loans | 0.1156% | 3,390 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 13.1449% | 2,060 |
| Efficiency ratio | 69.3464% | 3,861 |
| Assets per employee ($millions) | 6.9556% | 769 |
| Cash dividends to net income (ytd only)* | 119.2743% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 3,452 |
| Loan loss allowance to noncurrent loans | 85.0344% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 4.6970% | 622 |
| Noncurrent loans to loans | 1.7643% | 2,554 |
| Net loans and leases to total assets | 75.4045% | 1,076 |
| Net loans and leases to deposits | 85.5632% | 1,664 |
| Net loans and leases to core deposits | 102.7425% | 946 |
| Total domestic deposits to total assets | 88.1272% | 2,039 |
| Equity capital to assets | 10.9958% | 2,758 |
| Core capital (leverage) ratio | 11.1298% | 2,358 |
| Tier 1 risk-based capital ratio | 14.6809% | 3,964 |
| Total risk-based capital ratio | 15.9342% | 3,919 |
| Memoranda: | ||
| Average total assets | $113,882,250 | 4,454 |
| Average earning assets | $101,867,500 | 4,506 |
| Average equity | $12,905,500 | 4,328 |
| Average total loans | $87,648,500 | 3,769 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8880% | 213 |
| Cost of funding earning assets | 1.0631% | 401 |
| Net interest margin | 4.8249% | 419 |
| Noninterest income to average assets | -0.4981% | 6,907 |
| Noninterest expense to average assets | 2.6203% | 4,314 |
| Loan and lease loss provision to assets | 0.1761% | 2,153 |
| Net operating income to assets | 0.6129% | 4,229 |
| Return on assets (ROA) | 0.6208% | 4,353 |
| Pretax return on assets | 1.0211% | 3,412 |
| Return on Equity (ROE) | 5.4221% | 4,508 |
| Retained earnings to average equity (ytd only) | -4.2879% | 6,417 |
| Net charge-offs to loans | 0.1407% | 2,977 |
| Credit loss provision to net charge-offs | 162.2951% | 1,443 |
| Earnings coverage of net charge-offs (x) | 10.9180% | 2,106 |
| Efficiency ratio | 68.8640% | 4,032 |
| Assets per employee ($millions) | 6.4815% | 906 |
| Cash dividends to net income (ytd only)* | 179.0831% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 3,597 |
| Loan loss allowance to noncurrent loans | 113.0137% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 4.0003% | 861 |
| Noncurrent loans to loans | 1.3266% | 3,342 |
| Net loans and leases to total assets | 74.3346% | 1,204 |
| Net loans and leases to deposits | 83.9267% | 1,810 |
| Net loans and leases to core deposits | 99.8227% | 1,089 |
| Total domestic deposits to total assets | 88.5709% | 1,871 |
| Equity capital to assets | 10.9945% | 2,753 |
| Core capital (leverage) ratio | 11.2215% | 2,155 |
| Tier 1 risk-based capital ratio | 14.8087% | 3,903 |
| Total risk-based capital ratio | 16.0625% | 3,868 |
| Memoranda: | ||
| Average total assets | $112,428,000 | 4,523 |
| Average earning assets | $100,272,330 | 4,581 |
| Average equity | $12,873,330 | 4,362 |
| Average total loans | $86,691,330 | 3,803 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1169% | 139 |
| Cost of funding earning assets | 1.0857% | 400 |
| Net interest margin | 5.0312% | 285 |
| Noninterest income to average assets | -0.2357% | 6,958 |
| Noninterest expense to average assets | 2.6653% | 4,197 |
| Loan and lease loss provision to assets | 0.3046% | 1,126 |
| Net operating income to assets | 0.7525% | 3,426 |
| Return on assets (ROA) | 0.7688% | 3,479 |
| Pretax return on assets | 1.2728% | 2,325 |
| Return on Equity (ROE) | 6.5754% | 3,725 |
| Retained earnings to average equity (ytd only) | -12.8097% | 6,697 |
| Net charge-offs to loans | 0.2697% | 1,879 |
| Credit loss provision to net charge-offs | 144.8276% | 1,399 |
| Earnings coverage of net charge-offs (x) | 7.3793% | 2,077 |
| Efficiency ratio | 63.1986% | 5,129 |
| Assets per employee ($millions) | 6.2778% | 1,086 |
| Cash dividends to net income (ytd only)* | 294.8113% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,783 |
| Loan loss allowance to noncurrent loans | 197.5831% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 5.0858% | 711 |
| Noncurrent loans to loans | 0.7642% | 4,599 |
| Net loans and leases to total assets | 75.5027% | 902 |
| Net loans and leases to deposits | 85.4513% | 1,423 |
| Net loans and leases to core deposits | 99.6985% | 967 |
| Total domestic deposits to total assets | 88.3575% | 2,098 |
| Equity capital to assets | 11.2301% | 2,705 |
| Core capital (leverage) ratio | 12.0219% | 1,549 |
| Tier 1 risk-based capital ratio | 15.1163% | 3,760 |
| Total risk-based capital ratio | 16.3707% | 3,713 |
| Memoranda: | ||
| Average total assets | $110,308,500 | 4,609 |
| Average earning assets | $97,631,000 | 4,699 |
| Average equity | $12,896,500 | 4,403 |
| Average total loans | $86,015,000 | 3,840 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2848% | 174 |
| Cost of funding earning assets | 1.2548% | 449 |
| Net interest margin | 5.0300% | 372 |
| Noninterest income to average assets | -0.3313% | 7,002 |
| Noninterest expense to average assets | 2.6306% | 4,640 |
| Loan and lease loss provision to assets | 0.3229% | 2,108 |
| Net operating income to assets | 0.7036% | 3,717 |
| Return on assets (ROA) | 0.7024% | 3,981 |
| Pretax return on assets | 1.1209% | 3,077 |
| Return on Equity (ROE) | 5.8365% | 4,249 |
| Retained earnings to average equity (ytd only) | -5.7286% | 6,465 |
| Net charge-offs to loans | 0.4249% | 2,535 |
| Credit loss provision to net charge-offs | 96.9359% | 3,205 |
| Earnings coverage of net charge-offs (x) | 4.3398% | 3,406 |
| Efficiency ratio | 64.5345% | 4,790 |
| Assets per employee ($millions) | 5.9787% | 1,293 |
| Cash dividends to net income (ytd only)* | 198.1506% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,743 |
| Loan loss allowance to noncurrent loans | 50.2351% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 6.9534% | 449 |
| Noncurrent loans to loans | 2.9882% | 1,746 |
| Net loans and leases to total assets | 78.1679% | 653 |
| Net loans and leases to deposits | 89.6775% | 1,099 |
| Net loans and leases to core deposits | 101.4471% | 923 |
| Total domestic deposits to total assets | 87.1656% | 2,729 |
| Equity capital to assets | 12.1756% | 1,928 |
| Core capital (leverage) ratio | 12.3626% | 1,375 |
| Tier 1 risk-based capital ratio | 15.5925% | 3,377 |
| Total risk-based capital ratio | 16.8456% | 3,334 |
| Memoranda: | ||
| Average total assets | $107,768,800 | 4,644 |
| Average earning assets | $94,434,000 | 4,746 |
| Average equity | $12,970,000 | 4,365 |
| Average total loans | $84,482,000 | 3,894 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3187% | 175 |
| Cost of funding earning assets | 1.2920% | 452 |
| Net interest margin | 5.0267% | 382 |
| Noninterest income to average assets | -0.5454% | 7,137 |
| Noninterest expense to average assets | 2.6652% | 4,516 |
| Loan and lease loss provision to assets | 0.2189% | 2,868 |
| Net operating income to assets | 0.6076% | 4,359 |
| Return on assets (ROA) | 0.6060% | 4,628 |
| Pretax return on assets | 0.9659% | 3,843 |
| Return on Equity (ROE) | 5.0501% | 4,801 |
| Retained earnings to average equity (ytd only) | -10.4093% | 6,828 |
| Net charge-offs to loans | 0.3133% | 2,875 |
| Credit loss provision to net charge-offs | 89.3939% | 3,314 |
| Earnings coverage of net charge-offs (x) | 4.8486% | 3,187 |
| Efficiency ratio | 69.1814% | 3,849 |
| Assets per employee ($millions) | 5.9704% | 1,266 |
| Cash dividends to net income (ytd only)* | 306.1210% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,881 |
| Loan loss allowance to noncurrent loans | 75.2218% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 5.8930% | 690 |
| Noncurrent loans to loans | 2.0174% | 2,827 |
| Net loans and leases to total assets | 76.8124% | 866 |
| Net loans and leases to deposits | 88.0287% | 1,345 |
| Net loans and leases to core deposits | 97.9752% | 1,265 |
| Total domestic deposits to total assets | 87.2584% | 2,523 |
| Equity capital to assets | 11.9432% | 2,309 |
| Core capital (leverage) ratio | 12.0925% | 1,598 |
| Tier 1 risk-based capital ratio | 15.2433% | 3,679 |
| Total risk-based capital ratio | 16.4962% | 3,627 |
| Memoranda: | ||
| Average total assets | $107,806,750 | 4,691 |
| Average earning assets | $94,321,000 | 4,787 |
| Average equity | $12,936,750 | 4,411 |
| Average total loans | $84,251,500 | 3,946 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4146% | 164 |
| Cost of funding earning assets | 1.3369% | 454 |
| Net interest margin | 5.0777% | 354 |
| Noninterest income to average assets | -0.7191% | 7,205 |
| Noninterest expense to average assets | 2.7131% | 4,357 |
| Loan and lease loss provision to assets | 0.3132% | 2,104 |
| Net operating income to assets | 0.4193% | 5,152 |
| Return on assets (ROA) | 0.4170% | 5,383 |
| Pretax return on assets | 0.6783% | 4,891 |
| Return on Equity (ROE) | 3.4694% | 5,498 |
| Retained earnings to average equity (ytd only) | -19.6597% | 7,008 |
| Net charge-offs to loans | 0.4692% | 2,186 |
| Credit loss provision to net charge-offs | 85.3535% | 3,176 |
| Earnings coverage of net charge-offs (x) | 2.7121% | 3,653 |
| Efficiency ratio | 73.1634% | 3,215 |
| Assets per employee ($millions) | 5.9186% | 1,286 |
| Cash dividends to net income (ytd only)* | 666.6667% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,820 |
| Loan loss allowance to noncurrent loans | 235.3818% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 5.3851% | 845 |
| Noncurrent loans to loans | 0.6547% | 5,198 |
| Net loans and leases to total assets | 75.8077% | 992 |
| Net loans and leases to deposits | 86.3412% | 1,556 |
| Net loans and leases to core deposits | 96.3643% | 1,402 |
| Total domestic deposits to total assets | 87.8001% | 2,282 |
| Equity capital to assets | 11.7991% | 2,315 |
| Core capital (leverage) ratio | 11.7474% | 1,755 |
| Tier 1 risk-based capital ratio | 15.3560% | 3,538 |
| Total risk-based capital ratio | 16.6095% | 3,491 |
| Memoranda: | ||
| Average total assets | $107,920,000 | 4,720 |
| Average earning assets | $94,097,330 | 4,814 |
| Average equity | $12,970,670 | 4,397 |
| Average total loans | $84,395,330 | 3,957 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4165% | 180 |
| Cost of funding earning assets | 1.4198% | 394 |
| Net interest margin | 4.9967% | 401 |
| Noninterest income to average assets | 0.0184% | 7,050 |
| Noninterest expense to average assets | 2.8910% | 3,659 |
| Loan and lease loss provision to assets | 0.6224% | 903 |
| Net operating income to assets | 0.5524% | 4,580 |
| Return on assets (ROA) | 0.5524% | 4,796 |
| Pretax return on assets | 0.8470% | 4,238 |
| Return on Equity (ROE) | 4.5555% | 5,013 |
| Retained earnings to average equity (ytd only) | -40.9992% | 7,190 |
| Net charge-offs to loans | 0.9067% | 1,130 |
| Credit loss provision to net charge-offs | 87.1134% | 2,602 |
| Earnings coverage of net charge-offs (x) | 2.0567% | 3,325 |
| Efficiency ratio | 66.3007% | 4,503 |
| Assets per employee ($millions) | 6.3327% | 1,069 |
| Cash dividends to net income (ytd only)* | 1,000.0000% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 4,189 |
| Loan loss allowance to noncurrent loans | 54.3739% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 7.9178% | 488 |
| Noncurrent loans to loans | 2.7461% | 2,372 |
| Net loans and leases to total assets | 77.7021% | 619 |
| Net loans and leases to deposits | 88.2935% | 1,131 |
| Net loans and leases to core deposits | 97.7186% | 1,146 |
| Total domestic deposits to total assets | 88.0044% | 2,318 |
| Equity capital to assets | 11.6073% | 2,346 |
| Core capital (leverage) ratio | 11.5046% | 1,888 |
| Tier 1 risk-based capital ratio | 14.9834% | 3,774 |
| Total risk-based capital ratio | 16.2364% | 3,729 |
| Memoranda: | ||
| Average total assets | $108,613,000 | 4,737 |
| Average earning assets | $94,381,500 | 4,840 |
| Average equity | $13,171,000 | 4,373 |
| Average total loans | $85,580,500 | 3,951 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4838% | 184 |
| Cost of funding earning assets | 1.7670% | 244 |
| Net interest margin | 4.7169% | 723 |
| Noninterest income to average assets | -1.1590% | 7,330 |
| Noninterest expense to average assets | 2.4336% | 5,688 |
| Loan and lease loss provision to assets | 0.1405% | 4,863 |
| Net operating income to assets | 0.2056% | 5,574 |
| Return on assets (ROA) | 0.2056% | 5,707 |
| Pretax return on assets | 0.3281% | 5,479 |
| Return on Equity (ROE) | 1.7635% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.7635% | 4,957 |
| Net charge-offs to loans | 0.4445% | 3,210 |
| Credit loss provision to net charge-offs | 41.6244% | 5,602 |
| Earnings coverage of net charge-offs (x) | 1.3883% | 4,729 |
| Efficiency ratio | 83.8548% | 1,780 |
| Assets per employee ($millions) | 6.0872% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 4,024 |
| Loan loss allowance to noncurrent loans | 75.4079% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 7.2483% | 622 |
| Noncurrent loans to loans | 1.9897% | 3,220 |
| Net loans and leases to total assets | 77.5285% | 765 |
| Net loans and leases to deposits | 89.0655% | 1,259 |
| Net loans and leases to core deposits | 98.5064% | 1,299 |
| Total domestic deposits to total assets | 87.0466% | 2,735 |
| Equity capital to assets | 12.6367% | 1,716 |
| Core capital (leverage) ratio | 12.4437% | 1,371 |
| Tier 1 risk-based capital ratio | 16.4773% | 2,832 |
| Total risk-based capital ratio | 17.7304% | 2,797 |
| Memoranda: | ||
| Average total assets | $116,739,600 | 4,488 |
| Average earning assets | $100,511,400 | 4,628 |
| Average equity | $13,609,000 | 4,213 |
| Average total loans | $88,639,600 | 3,890 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4079% | 224 |
| Cost of funding earning assets | 1.8252% | 241 |
| Net interest margin | 4.5827% | 982 |
| Noninterest income to average assets | -1.2351% | 7,415 |
| Noninterest expense to average assets | 2.4837% | 5,520 |
| Loan and lease loss provision to assets | 0.1294% | 4,815 |
| Net operating income to assets | 0.0562% | 6,061 |
| Return on assets (ROA) | 0.0562% | 6,169 |
| Pretax return on assets | 0.0889% | 6,119 |
| Return on Equity (ROE) | 0.4920% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.4920% | 5,806 |
| Net charge-offs to loans | 0.4886% | 2,790 |
| Credit loss provision to net charge-offs | 35.1682% | 5,340 |
| Earnings coverage of net charge-offs (x) | 0.5933% | 5,180 |
| Efficiency ratio | 91.9234% | 1,037 |
| Assets per employee ($millions) | 6.4362% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 4,099 |
| Loan loss allowance to noncurrent loans | 112.6289% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 7.0211% | 702 |
| Noncurrent loans to loans | 1.3315% | 4,308 |
| Net loans and leases to total assets | 74.3274% | 1,274 |
| Net loans and leases to deposits | 84.6588% | 1,891 |
| Net loans and leases to core deposits | 91.8594% | 2,011 |
| Total domestic deposits to total assets | 87.7964% | 2,169 |
| Equity capital to assets | 11.7867% | 2,418 |
| Core capital (leverage) ratio | 11.6837% | 1,898 |
| Tier 1 risk-based capital ratio | 16.1119% | 3,057 |
| Total risk-based capital ratio | 17.3650% | 3,023 |
| Memoranda: | ||
| Average total assets | $118,532,000 | 4,471 |
| Average earning assets | $101,829,500 | 4,621 |
| Average equity | $13,549,750 | 4,231 |
| Average total loans | $89,239,000 | 3,919 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4506% | 220 |
| Cost of funding earning assets | 1.8780% | 229 |
| Net interest margin | 4.5726% | 964 |
| Noninterest income to average assets | -1.4218% | 7,492 |
| Noninterest expense to average assets | 2.5623% | 5,318 |
| Loan and lease loss provision to assets | 0.1725% | 4,202 |
| Net operating income to assets | -0.1541% | 6,421 |
| Return on assets (ROA) | -0.1541% | 6,463 |
| Pretax return on assets | -0.2462% | 6,495 |
| Return on Equity (ROE) | -1.3615% | 6,451 |
| Retained earnings to average equity (ytd only) | -1.3615% | 6,129 |
| Net charge-offs to loans | 0.7079% | 2,095 |
| Credit loss provision to net charge-offs | 32.3899% | 4,954 |
| Earnings coverage of net charge-offs (x) | -0.1384% | 5,372 |
| Efficiency ratio | 102.9610% | 634 |
| Assets per employee ($millions) | 6.5432% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 4,132 |
| Loan loss allowance to noncurrent loans | 144.8505% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 8.2877% | 539 |
| Noncurrent loans to loans | 1.0357% | 4,925 |
| Net loans and leases to total assets | 72.9200% | 1,609 |
| Net loans and leases to deposits | 82.7357% | 2,327 |
| Net loans and leases to core deposits | 89.7128% | 2,414 |
| Total domestic deposits to total assets | 88.1361% | 2,049 |
| Equity capital to assets | 11.4734% | 2,523 |
| Core capital (leverage) ratio | 11.4908% | 1,913 |
| Tier 1 risk-based capital ratio | 15.5944% | 3,187 |
| Total risk-based capital ratio | 16.8477% | 3,145 |
| Memoranda: | ||
| Average total assets | $119,425,670 | 4,474 |
| Average earning assets | $102,130,670 | 4,650 |
| Average equity | $13,514,670 | 4,220 |
| Average total loans | $89,845,330 | 3,940 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4579% | 227 |
| Cost of funding earning assets | 1.9553% | 198 |
| Net interest margin | 4.5026% | 1,066 |
| Noninterest income to average assets | -1.8694% | 7,558 |
| Noninterest expense to average assets | 2.5148% | 5,505 |
| Loan and lease loss provision to assets | 0.4158% | 2,109 |
| Net operating income to assets | -0.5954% | 6,864 |
| Return on assets (ROA) | -0.5954% | 6,869 |
| Pretax return on assets | -0.9547% | 6,984 |
| Return on Equity (ROE) | -5.2976% | 6,826 |
| Retained earnings to average equity (ytd only) | -5.2976% | 6,542 |
| Net charge-offs to loans | 1.3337% | 1,037 |
| Credit loss provision to net charge-offs | 41.1184% | 3,921 |
| Earnings coverage of net charge-offs (x) | -0.5329% | 4,803 |
| Efficiency ratio | 127.2727% | 280 |
| Assets per employee ($millions) | 6.7240% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 4,201 |
| Loan loss allowance to noncurrent loans | 98.0306% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 8.7696% | 509 |
| Noncurrent loans to loans | 1.5322% | 4,170 |
| Net loans and leases to total assets | 72.8204% | 1,550 |
| Net loans and leases to deposits | 82.2594% | 2,318 |
| Net loans and leases to core deposits | 88.5566% | 2,532 |
| Total domestic deposits to total assets | 88.5253% | 2,056 |
| Equity capital to assets | 11.0929% | 2,597 |
| Core capital (leverage) ratio | 11.1967% | 2,034 |
| Tier 1 risk-based capital ratio | 14.8465% | 3,509 |
| Total risk-based capital ratio | 16.0994% | 3,471 |
| Memoranda: | ||
| Average total assets | $120,250,000 | 4,475 |
| Average earning assets | $102,695,500 | 4,666 |
| Average equity | $13,515,500 | 4,216 |
| Average total loans | $91,172,500 | 3,949 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8472% | 187 |
| Cost of funding earning assets | 2.2480% | 260 |
| Net interest margin | 4.5992% | 1,018 |
| Noninterest income to average assets | -0.6846% | 7,588 |
| Noninterest expense to average assets | 2.4325% | 6,006 |
| Loan and lease loss provision to assets | 1.5037% | 985 |
| Net operating income to assets | -0.3547% | 6,267 |
| Return on assets (ROA) | -0.3547% | 6,297 |
| Pretax return on assets | -0.5655% | 6,371 |
| Return on Equity (ROE) | -3.4399% | 6,318 |
| Retained earnings to average equity (ytd only) | -3.4399% | 6,150 |
| Net charge-offs to loans | 2.0179% | 998 |
| Credit loss provision to net charge-offs | 90.5386% | 5,110 |
| Earnings coverage of net charge-offs (x) | 0.5649% | 5,544 |
| Efficiency ratio | 72.1671% | 3,761 |
| Assets per employee ($millions) | 6.6371% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 3,424 |
| Loan loss allowance to noncurrent loans | 99.4129% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 10.0989% | 401 |
| Noncurrent loans to loans | 1.6508% | 4,028 |
| Net loans and leases to total assets | 76.4565% | 1,191 |
| Net loans and leases to deposits | 86.7090% | 1,977 |
| Net loans and leases to core deposits | 93.4693% | 2,325 |
| Total domestic deposits to total assets | 88.1759% | 2,137 |
| Equity capital to assets | 11.3880% | 2,348 |
| Core capital (leverage) ratio | 11.2233% | 1,994 |
| Tier 1 risk-based capital ratio | 14.4719% | 3,565 |
| Total risk-based capital ratio | 15.7260% | 3,517 |
| Memoranda: | ||
| Average total assets | $128,551,400 | 4,306 |
| Average earning assets | $113,345,800 | 4,390 |
| Average equity | $13,256,200 | 4,315 |
| Average total loans | $105,801,600 | 3,632 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8617% | 181 |
| Cost of funding earning assets | 2.2960% | 280 |
| Net interest margin | 4.5657% | 1,117 |
| Noninterest income to average assets | -0.9356% | 7,722 |
| Noninterest expense to average assets | 2.3156% | 6,274 |
| Loan and lease loss provision to assets | 1.7876% | 700 |
| Net operating income to assets | -0.6135% | 6,674 |
| Return on assets (ROA) | -0.6135% | 6,718 |
| Pretax return on assets | -0.9794% | 6,847 |
| Return on Equity (ROE) | -6.0950% | 6,725 |
| Retained earnings to average equity (ytd only) | -6.0950% | 6,643 |
| Net charge-offs to loans | 2.1925% | 827 |
| Credit loss provision to net charge-offs | 97.8249% | 4,445 |
| Earnings coverage of net charge-offs (x) | 0.4423% | 5,582 |
| Efficiency ratio | 74.1272% | 3,307 |
| Assets per employee ($millions) | 6.9169% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 3,229 |
| Loan loss allowance to noncurrent loans | 32.2989% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 9.9900% | 414 |
| Noncurrent loans to loans | 5.1945% | 1,312 |
| Net loans and leases to total assets | 79.3575% | 847 |
| Net loans and leases to deposits | 89.3047% | 1,824 |
| Net loans and leases to core deposits | 96.5373% | 2,194 |
| Total domestic deposits to total assets | 88.8615% | 1,471 |
| Equity capital to assets | 10.8100% | 3,159 |
| Core capital (leverage) ratio | 10.6475% | 2,553 |
| Tier 1 risk-based capital ratio | 13.8538% | 3,948 |
| Total risk-based capital ratio | 15.1096% | 3,915 |
| Memoranda: | ||
| Average total assets | $130,822,250 | 4,307 |
| Average earning assets | $116,314,250 | 4,378 |
| Average equity | $13,169,000 | 4,402 |
| Average total loans | $109,035,750 | 3,621 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7418% | 225 |
| Cost of funding earning assets | 2.3444% | 291 |
| Net interest margin | 4.3974% | 1,450 |
| Noninterest income to average assets | -0.6891% | 7,771 |
| Noninterest expense to average assets | 2.3742% | 6,131 |
| Loan and lease loss provision to assets | 1.3737% | 980 |
| Net operating income to assets | -0.3175% | 6,496 |
| Return on assets (ROA) | -0.3175% | 6,537 |
| Pretax return on assets | -0.5085% | 6,597 |
| Return on Equity (ROE) | -3.2282% | 6,537 |
| Retained earnings to average equity (ytd only) | -3.2282% | 6,328 |
| Net charge-offs to loans | 2.6599% | 625 |
| Credit loss provision to net charge-offs | 61.3575% | 5,181 |
| Earnings coverage of net charge-offs (x) | 0.3864% | 5,350 |
| Efficiency ratio | 73.2931% | 3,597 |
| Assets per employee ($millions) | 7.7018% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 6,116 |
| Loan loss allowance to noncurrent loans | 21.5396% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 8.5145% | 545 |
| Noncurrent loans to loans | 4.9352% | 1,408 |
| Net loans and leases to total assets | 81.7475% | 562 |
| Net loans and leases to deposits | 91.5085% | 1,611 |
| Net loans and leases to core deposits | 101.8673% | 1,840 |
| Total domestic deposits to total assets | 89.3332% | 1,269 |
| Equity capital to assets | 10.2024% | 3,766 |
| Core capital (leverage) ratio | 10.1400% | 3,008 |
| Tier 1 risk-based capital ratio | 12.9682% | 4,476 |
| Total risk-based capital ratio | 14.0846% | 4,534 |
| Memoranda: | ||
| Average total assets | $132,928,000 | 4,280 |
| Average earning assets | $118,752,330 | 4,343 |
| Average equity | $13,072,330 | 4,420 |
| Average total loans | $111,884,330 | 3,582 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8053% | 219 |
| Cost of funding earning assets | 2.4221% | 278 |
| Net interest margin | 4.3832% | 1,438 |
| Noninterest income to average assets | -1.0722% | 7,903 |
| Noninterest expense to average assets | 2.5536% | 5,539 |
| Loan and lease loss provision to assets | 2.5745% | 409 |
| Net operating income to assets | -1.4306% | 7,305 |
| Return on assets (ROA) | -1.4306% | 7,316 |
| Pretax return on assets | -2.2818% | 7,474 |
| Return on Equity (ROE) | -14.8188% | 7,308 |
| Retained earnings to average equity (ytd only) | -14.8188% | 7,205 |
| Net charge-offs to loans | 0.4959% | 2,575 |
| Credit loss provision to net charge-offs | 611.3475% | 712 |
| Earnings coverage of net charge-offs (x) | 0.6950% | 4,409 |
| Efficiency ratio | 89.7167% | 1,452 |
| Assets per employee ($millions) | 7.7733% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 1,807 |
| Loan loss allowance to noncurrent loans | 38.3506% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 9.1785% | 477 |
| Noncurrent loans to loans | 5.6695% | 1,206 |
| Net loans and leases to total assets | 83.2791% | 452 |
| Net loans and leases to deposits | 92.5700% | 1,536 |
| Net loans and leases to core deposits | 102.9814% | 1,823 |
| Total domestic deposits to total assets | 89.9634% | 1,006 |
| Equity capital to assets | 9.6787% | 4,261 |
| Core capital (leverage) ratio | 9.5289% | 3,723 |
| Tier 1 risk-based capital ratio | 12.1451% | 5,037 |
| Total risk-based capital ratio | 13.4080% | 4,995 |
| Memoranda: | ||
| Average total assets | $133,927,000 | 4,327 |
| Average earning assets | $119,729,500 | 4,383 |
| Average equity | $12,929,500 | 4,492 |
| Average total loans | $113,735,500 | 3,598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8477% | 353 |
| Cost of funding earning assets | 3.3585% | 77 |
| Net interest margin | 3.4891% | 5,007 |
| Noninterest income to average assets | -0.2159% | 7,864 |
| Noninterest expense to average assets | 1.9106% | 7,489 |
| Loan and lease loss provision to assets | 1.3633% | 1,690 |
| Net operating income to assets | -0.1286% | 5,722 |
| Return on assets (ROA) | -0.1286% | 5,719 |
| Pretax return on assets | -0.2943% | 5,824 |
| Return on Equity (ROE) | -1.4846% | 5,773 |
| Retained earnings to average equity (ytd only) | -2.2785% | 5,577 |
| Net charge-offs to loans | 1.8260% | 1,362 |
| Credit loss provision to net charge-offs | 87.3568% | 6,085 |
| Earnings coverage of net charge-offs (x) | 0.6850% | 5,412 |
| Efficiency ratio | 64.1209% | 5,757 |
| Assets per employee ($millions) | 7.9828% | 517 |
| Cash dividends to net income (ytd only)* | -53.4759% | 7,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,726 |
| Loan loss allowance to noncurrent loans | 30.0890% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 8.9324% | 448 |
| Noncurrent loans to loans | 4.9863% | 1,357 |
| Net loans and leases to total assets | 83.4512% | 496 |
| Net loans and leases to deposits | 92.5926% | 1,806 |
| Net loans and leases to core deposits | 140.1661% | 809 |
| Total domestic deposits to total assets | 90.1273% | 905 |
| Equity capital to assets | 9.6302% | 4,240 |
| Core capital (leverage) ratio | 9.2946% | 3,984 |
| Tier 1 risk-based capital ratio | 11.9961% | 4,947 |
| Total risk-based capital ratio | 13.2499% | 4,902 |
| Memoranda: | ||
| Average total assets | $145,454,000 | 4,022 |
| Average earning assets | $133,213,000 | 4,026 |
| Average equity | $12,596,000 | 4,612 |
| Average total loans | $124,317,200 | 3,397 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9299% | 338 |
| Cost of funding earning assets | 3.4703% | 81 |
| Net interest margin | 3.4596% | 5,031 |
| Noninterest income to average assets | -0.1100% | 7,936 |
| Noninterest expense to average assets | 1.8725% | 7,578 |
| Loan and lease loss provision to assets | 1.5894% | 1,190 |
| Net operating income to assets | -0.1956% | 6,057 |
| Return on assets (ROA) | -0.1956% | 6,068 |
| Pretax return on assets | -0.3859% | 6,181 |
| Return on Equity (ROE) | -2.3188% | 6,141 |
| Retained earnings to average equity (ytd only) | -3.3873% | 6,006 |
| Net charge-offs to loans | 2.1202% | 913 |
| Credit loss provision to net charge-offs | 87.5372% | 5,550 |
| Earnings coverage of net charge-offs (x) | 0.6629% | 5,367 |
| Efficiency ratio | 60.8734% | 6,297 |
| Assets per employee ($millions) | 7.6969% | 585 |
| Cash dividends to net income (ytd only)* | -46.0823% | 7,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 3,552 |
| Loan loss allowance to noncurrent loans | 33.1638% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 8.1064% | 521 |
| Noncurrent loans to loans | 4.4612% | 1,571 |
| Net loans and leases to total assets | 80.1849% | 1,135 |
| Net loans and leases to deposits | 89.1281% | 2,763 |
| Net loans and leases to core deposits | 134.7475% | 1,163 |
| Total domestic deposits to total assets | 89.9659% | 780 |
| Equity capital to assets | 8.4032% | 6,380 |
| Core capital (leverage) ratio | 8.2857% | 5,859 |
| Tier 1 risk-based capital ratio | 10.5807% | 6,369 |
| Total risk-based capital ratio | 11.8343% | 6,335 |
| Memoranda: | ||
| Average total assets | $147,890,500 | 4,009 |
| Average earning assets | $136,198,250 | 4,003 |
| Average equity | $12,477,750 | 4,663 |
| Average total loans | $126,652,750 | 3,366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0743% | 279 |
| Cost of funding earning assets | 3.5676% | 87 |
| Net interest margin | 3.5066% | 4,768 |
| Noninterest income to average assets | 0.0013% | 7,936 |
| Noninterest expense to average assets | 1.8930% | 7,633 |
| Loan and lease loss provision to assets | 1.3608% | 1,271 |
| Net operating income to assets | 0.0013% | 5,829 |
| Return on assets (ROA) | 0.0013% | 5,910 |
| Pretax return on assets | 0.0013% | 5,864 |
| Return on Equity (ROE) | 0.0159% | 5,915 |
| Retained earnings to average equity (ytd only) | -1.5789% | 5,644 |
| Net charge-offs to loans | 2.5032% | 689 |
| Credit loss provision to net charge-offs | 62.4613% | 5,556 |
| Earnings coverage of net charge-offs (x) | 0.6252% | 5,084 |
| Efficiency ratio | 58.1540% | 6,845 |
| Assets per employee ($millions) | 7.7521% | 550 |
| Cash dividends to net income (ytd only)* | 10,000.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 5,324 |
| Loan loss allowance to noncurrent loans | 29.7480% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 7.2130% | 574 |
| Noncurrent loans to loans | 3.8370% | 1,772 |
| Net loans and leases to total assets | 82.6173% | 845 |
| Net loans and leases to deposits | 91.9024% | 2,485 |
| Net loans and leases to core deposits | 134.1007% | 1,312 |
| Total domestic deposits to total assets | 89.8968% | 867 |
| Equity capital to assets | 8.4914% | 6,058 |
| Core capital (leverage) ratio | 8.5087% | 5,434 |
| Tier 1 risk-based capital ratio | 10.6043% | 6,285 |
| Total risk-based capital ratio | 11.7955% | 6,290 |
| Memoranda: | ||
| Average total assets | $148,440,000 | 4,021 |
| Average earning assets | $137,738,670 | 3,994 |
| Average equity | $12,540,670 | 4,666 |
| Average total loans | $129,195,330 | 3,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3968% | 191 |
| Cost of funding earning assets | 3.7585% | 74 |
| Net interest margin | 3.6384% | 4,146 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.9193% | 7,513 |
| Loan and lease loss provision to assets | 1.4925% | 845 |
| Net operating income to assets | 0.0027% | 6,242 |
| Return on assets (ROA) | 0.0027% | 6,395 |
| Pretax return on assets | 0.0027% | 6,370 |
| Return on Equity (ROE) | 0.0319% | 6,400 |
| Retained earnings to average equity (ytd only) | -3.1535% | 6,303 |
| Net charge-offs to loans | 0.2783% | 3,004 |
| Credit loss provision to net charge-offs | 604.3478% | 936 |
| Earnings coverage of net charge-offs (x) | 6.0543% | 2,553 |
| Efficiency ratio | 56.2107% | 6,943 |
| Assets per employee ($millions) | 7.9215% | 519 |
| Cash dividends to net income (ytd only)* | 10,000.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 1,618 |
| Loan loss allowance to noncurrent loans | 25.2627% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 7.5086% | 418 |
| Noncurrent loans to loans | 7.5195% | 499 |
| Net loans and leases to total assets | 84.9556% | 555 |
| Net loans and leases to deposits | 94.5083% | 2,192 |
| Net loans and leases to core deposits | 137.2075% | 1,234 |
| Total domestic deposits to total assets | 89.8922% | 844 |
| Equity capital to assets | 8.3099% | 6,376 |
| Core capital (leverage) ratio | 8.3358% | 5,836 |
| Tier 1 risk-based capital ratio | 10.4742% | 6,422 |
| Total risk-based capital ratio | 11.7287% | 6,332 |
| Memoranda: | ||
| Average total assets | $149,015,000 | 4,030 |
| Average earning assets | $139,843,500 | 3,960 |
| Average equity | $12,557,500 | 4,689 |
| Average total loans | $132,247,000 | 3,315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2855% | 131 |
| Cost of funding earning assets | 4.3787% | 26 |
| Net interest margin | 3.9068% | 3,522 |
| Noninterest income to average assets | 0.0118% | 8,058 |
| Noninterest expense to average assets | 1.9148% | 7,592 |
| Loan and lease loss provision to assets | 0.4910% | 2,854 |
| Net operating income to assets | 0.8096% | 3,398 |
| Return on assets (ROA) | 0.8096% | 3,237 |
| Pretax return on assets | 1.2909% | 2,342 |
| Return on Equity (ROE) | 9.7359% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.7359% | 485 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7968% | 7,510 |
| Assets per employee ($millions) | 7.3761% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,696 |
| Loan loss allowance to noncurrent loans | 20.5432% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 6.9813% | 377 |
| Noncurrent loans to loans | 7.3006% | 396 |
| Net loans and leases to total assets | 89.5738% | 226 |
| Net loans and leases to deposits | 100.3897% | 1,804 |
| Net loans and leases to core deposits | 149.1602% | 884 |
| Total domestic deposits to total assets | 89.2260% | 950 |
| Equity capital to assets | 8.5465% | 6,020 |
| Core capital (leverage) ratio | 8.5859% | 5,409 |
| Tier 1 risk-based capital ratio | 10.3476% | 6,368 |
| Total risk-based capital ratio | 11.6027% | 6,234 |
| Memoranda: | ||
| Average total assets | $143,776,600 | 4,012 |
| Average earning assets | $135,610,800 | 3,941 |
| Average equity | $11,955,800 | 4,839 |
| Average total loans | $133,500,400 | 3,206 |