Home > Jewett City Savings Bank > Performance and Condition Ratios
Jewett City 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 | 5.0670% | 1,936 |
| Cost of funding earning assets | 0.5581% | 4,133 |
| Net interest margin | 4.5089% | 608 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.4308% | 629 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.0044% | 2,208 |
| Return on assets (ROA) | 1.0531% | 2,024 |
| Pretax return on assets | 1.3437% | 1,753 |
| Return on Equity (ROE) | 7.5000% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.5029% | 1,704 |
| Net charge-offs to loans | 0.1824% | 589 |
| Credit loss provision to net charge-offs | 124.8705% | 1,635 |
| Earnings coverage of net charge-offs (x) | 10.2021% | 2,251 |
| Efficiency ratio | 70.1350% | 1,861 |
| Assets per employee ($millions) | 4.9400% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,136 |
| Loan loss allowance to noncurrent loans | 123.4123% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 1,255 |
| Noncurrent loans to loans | 0.5624% | 1,393 |
| Net loans and leases to total assets | 78.1300% | 857 |
| Net loans and leases to deposits | 94.4317% | 908 |
| Net loans and leases to core deposits | 98.0670% | 1,542 |
| Total domestic deposits to total assets | 82.7400% | 2,956 |
| Equity capital to assets | 14.1082% | 663 |
| Core capital (leverage) ratio | 14.4560% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7209% | 718 |
| Memoranda: | ||
| Average total assets | $404,331,800 | 1,997 |
| Average earning assets | $375,527,200 | 1,993 |
| Average equity | $56,751,400 | 1,454 |
| Average total loans | $317,380,400 | 1,734 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 1,942 |
| Cost of funding earning assets | 0.4533% | 4,195 |
| Net interest margin | 4.4992% | 614 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 3.3942% | 629 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1305% | 1,965 |
| Return on assets (ROA) | 1.1058% | 2,018 |
| Pretax return on assets | 1.4234% | 1,725 |
| Return on Equity (ROE) | 7.8900% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.8887% | 2,009 |
| Net charge-offs to loans | 0.1112% | 716 |
| Credit loss provision to net charge-offs | 53.8168% | 1,878 |
| Earnings coverage of net charge-offs (x) | 17.2137% | 1,907 |
| Efficiency ratio | 69.3281% | 1,868 |
| Assets per employee ($millions) | 4.7769% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 4,227 |
| Loan loss allowance to noncurrent loans | 101.4507% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 1,180 |
| Noncurrent loans to loans | 0.6224% | 1,307 |
| Net loans and leases to total assets | 78.6000% | 807 |
| Net loans and leases to deposits | 95.1897% | 806 |
| Net loans and leases to core deposits | 98.6037% | 1,410 |
| Total domestic deposits to total assets | 82.5700% | 3,098 |
| Equity capital to assets | 14.2023% | 618 |
| Core capital (leverage) ratio | 14.5000% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9842% | 700 |
| Memoranda: | ||
| Average total assets | $400,440,000 | 2,014 |
| Average earning assets | $372,082,750 | 2,000 |
| Average equity | $56,129,250 | 1,450 |
| Average total loans | $314,131,250 | 1,748 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 1,901 |
| Cost of funding earning assets | 0.3362% | 4,263 |
| Net interest margin | 4.5037% | 600 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 3.4403% | 577 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1123% | 2,090 |
| Return on assets (ROA) | 1.2304% | 1,739 |
| Pretax return on assets | 1.5942% | 1,425 |
| Return on Equity (ROE) | 8.8200% | 3,030 |
| Retained earnings to average equity (ytd only) | 8.8174% | 1,728 |
| Net charge-offs to loans | 0.0577% | 958 |
| Credit loss provision to net charge-offs | 88.8889% | 1,508 |
| Earnings coverage of net charge-offs (x) | 32.8889% | 1,508 |
| Efficiency ratio | 69.8452% | 1,777 |
| Assets per employee ($millions) | 4.9090% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 4,212 |
| Loan loss allowance to noncurrent loans | 108.3038% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 1,108 |
| Noncurrent loans to loans | 0.6278% | 1,193 |
| Net loans and leases to total assets | 77.6200% | 875 |
| Net loans and leases to deposits | 93.9169% | 873 |
| Net loans and leases to core deposits | 96.4925% | 1,437 |
| Total domestic deposits to total assets | 82.6500% | 3,115 |
| Equity capital to assets | 14.1926% | 623 |
| Core capital (leverage) ratio | 14.7077% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4447% | 674 |
| Memoranda: | ||
| Average total assets | $398,575,667 | 2,017 |
| Average earning assets | $370,585,000 | 2,012 |
| Average equity | $55,617,000 | 1,466 |
| Average total loans | $311,788,667 | 1,737 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7805% | 1,667 |
| Cost of funding earning assets | 0.2472% | 4,301 |
| Net interest margin | 4.5332% | 560 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 3.3959% | 602 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.9484% | 2,696 |
| Return on assets (ROA) | 1.0025% | 2,486 |
| Pretax return on assets | 1.3233% | 2,104 |
| Return on Equity (ROE) | 7.2500% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.2475% | 2,436 |
| Net charge-offs to loans | 0.1224% | 531 |
| Credit loss provision to net charge-offs | 236.8421% | 761 |
| Earnings coverage of net charge-offs (x) | 15.4632% | 1,545 |
| Efficiency ratio | 69.6237% | 1,788 |
| Assets per employee ($millions) | 4.6417% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 4,204 |
| Loan loss allowance to noncurrent loans | 125.6481% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 1,089 |
| Noncurrent loans to loans | 0.5790% | 1,286 |
| Net loans and leases to total assets | 79.7200% | 570 |
| Net loans and leases to deposits | 96.1834% | 639 |
| Net loans and leases to core deposits | 97.1815% | 1,222 |
| Total domestic deposits to total assets | 82.8800% | 3,324 |
| Equity capital to assets | 14.3309% | 548 |
| Core capital (leverage) ratio | 14.2443% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4336% | 703 |
| Memoranda: | ||
| Average total assets | $396,593,000 | 2,054 |
| Average earning assets | $368,919,000 | 2,043 |
| Average equity | $54,860,000 | 1,495 |
| Average total loans | $310,380,000 | 1,756 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 1,630 |
| Cost of funding earning assets | 0.2221% | 3,582 |
| Net interest margin | 3.8118% | 1,137 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 3.0855% | 852 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.6735% | 3,693 |
| Return on assets (ROA) | 0.5387% | 3,972 |
| Pretax return on assets | 0.6934% | 3,858 |
| Return on Equity (ROE) | 4.1400% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.1373% | 3,351 |
| Net charge-offs to loans | 0.3816% | 196 |
| Credit loss provision to net charge-offs | 91.6813% | 1,624 |
| Earnings coverage of net charge-offs (x) | 3.9939% | 2,437 |
| Efficiency ratio | 73.3431% | 1,284 |
| Assets per employee ($millions) | 4.6894% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,030 |
| Loan loss allowance to noncurrent loans | 208.2071% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 1,301 |
| Noncurrent loans to loans | 0.5149% | 1,416 |
| Net loans and leases to total assets | 75.4700% | 1,066 |
| Net loans and leases to deposits | 89.7026% | 1,072 |
| Net loans and leases to core deposits | 91.2994% | 1,436 |
| Total domestic deposits to total assets | 84.1300% | 3,177 |
| Equity capital to assets | 13.3513% | 651 |
| Core capital (leverage) ratio | 13.2489% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7316% | 753 |
| Memoranda: | ||
| Average total assets | $406,708,400 | 2,004 |
| Average earning assets | $378,585,200 | 1,990 |
| Average equity | $52,957,200 | 1,545 |
| Average total loans | $299,265,000 | 1,722 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 1,660 |
| Cost of funding earning assets | 0.2232% | 3,011 |
| Net interest margin | 3.6073% | 1,373 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.0761% | 820 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 0.5646% | 3,927 |
| Return on assets (ROA) | 0.2290% | 4,412 |
| Pretax return on assets | 0.2683% | 4,408 |
| Return on Equity (ROE) | 1.7700% | 4,421 |
| Retained earnings to average equity (ytd only) | 1.7698% | 4,075 |
| Net charge-offs to loans | 0.5119% | 125 |
| Credit loss provision to net charge-offs | 69.4128% | 1,453 |
| Earnings coverage of net charge-offs (x) | 2.4706% | 2,243 |
| Efficiency ratio | 76.9350% | 1,003 |
| Assets per employee ($millions) | 4.9636% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,413 |
| Loan loss allowance to noncurrent loans | 74.2376% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 416 |
| Noncurrent loans to loans | 1.3628% | 531 |
| Net loans and leases to total assets | 71.4100% | 1,351 |
| Net loans and leases to deposits | 84.0489% | 1,297 |
| Net loans and leases to core deposits | 85.6271% | 1,544 |
| Total domestic deposits to total assets | 84.9600% | 3,298 |
| Equity capital to assets | 12.5218% | 765 |
| Core capital (leverage) ratio | 12.7410% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5808% | 776 |
| Memoranda: | ||
| Average total assets | $407,564,000 | 2,018 |
| Average earning assets | $379,331,750 | 2,007 |
| Average equity | $52,735,500 | 1,571 |
| Average total loans | $297,168,500 | 1,726 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 1,822 |
| Cost of funding earning assets | 0.2226% | 2,617 |
| Net interest margin | 3.3855% | 1,648 |
| Noninterest income to average assets | 0.6181% | 1,663 |
| Noninterest expense to average assets | 3.0685% | 765 |
| Loan and lease loss provision to assets | 0.0445% | 1,776 |
| Net operating income to assets | 0.5654% | 3,717 |
| Return on assets (ROA) | 0.1622% | 4,429 |
| Pretax return on assets | 0.1879% | 4,423 |
| Return on Equity (ROE) | 1.2398% | 4,434 |
| Retained earnings to average equity (ytd only) | 1.2398% | 3,938 |
| Net charge-offs to loans | 0.6109% | 108 |
| Credit loss provision to net charge-offs | 9.9558% | 1,633 |
| Earnings coverage of net charge-offs (x) | 1.5686% | 2,065 |
| Efficiency ratio | 81.3984% | 844 |
| Assets per employee ($millions) | 4.9365% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,097 |
| Loan loss allowance to noncurrent loans | 44.9756% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.5342% | 227 |
| Noncurrent loans to loans | 1.8753% | 357 |
| Net loans and leases to total assets | 73.9706% | 922 |
| Net loans and leases to deposits | 87.5468% | 870 |
| Net loans and leases to core deposits | 89.1750% | 1,166 |
| Total domestic deposits to total assets | 84.4927% | 3,592 |
| Equity capital to assets | 12.8258% | 694 |
| Core capital (leverage) ratio | 12.8642% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1289% | 834 |
| Memoranda: | ||
| Average total assets | $404,437,333 | 2,037 |
| Average earning assets | $376,486,333 | 2,039 |
| Average equity | $52,911,000 | 1,611 |
| Average total loans | $295,965,667 | 1,724 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 1,700 |
| Cost of funding earning assets | 0.2224% | 2,501 |
| Net interest margin | 3.3078% | 1,549 |
| Noninterest income to average assets | 0.6013% | 1,694 |
| Noninterest expense to average assets | 3.1240% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4737% | 3,777 |
| Return on assets (ROA) | 0.1792% | 4,327 |
| Pretax return on assets | 0.2111% | 4,313 |
| Return on Equity (ROE) | 1.3562% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.3562% | 3,735 |
| Net charge-offs to loans | 0.1085% | 489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 7.0886% | 1,550 |
| Efficiency ratio | 84.8567% | 793 |
| Assets per employee ($millions) | 4.7281% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,213 |
| Loan loss allowance to noncurrent loans | 91.1166% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 438 |
| Noncurrent loans to loans | 1.2364% | 711 |
| Net loans and leases to total assets | 72.3473% | 801 |
| Net loans and leases to deposits | 86.6883% | 695 |
| Net loans and leases to core deposits | 88.3620% | 1,002 |
| Total domestic deposits to total assets | 83.4568% | 3,873 |
| Equity capital to assets | 13.1462% | 660 |
| Core capital (leverage) ratio | 13.0190% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1480% | 734 |
| Memoranda: | ||
| Average total assets | $401,791,500 | 2,047 |
| Average earning assets | $374,149,000 | 2,053 |
| Average equity | $53,091,000 | 1,647 |
| Average total loans | $291,120,000 | 1,735 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 1,944 |
| Cost of funding earning assets | 0.2843% | 2,555 |
| Net interest margin | 3.4845% | 1,786 |
| Noninterest income to average assets | 0.6507% | 1,939 |
| Noninterest expense to average assets | 3.2282% | 697 |
| Loan and lease loss provision to assets | 0.1425% | 841 |
| Net operating income to assets | 0.4253% | 4,233 |
| Return on assets (ROA) | 0.6556% | 3,790 |
| Pretax return on assets | 0.7840% | 3,759 |
| Return on Equity (ROE) | 4.8049% | 4,038 |
| Retained earnings to average equity (ytd only) | 4.8049% | 2,859 |
| Net charge-offs to loans | 0.0419% | 1,434 |
| Credit loss provision to net charge-offs | 465.8120% | 830 |
| Earnings coverage of net charge-offs (x) | 21.3248% | 1,824 |
| Efficiency ratio | 83.0773% | 615 |
| Assets per employee ($millions) | 4.8397% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,986 |
| Loan loss allowance to noncurrent loans | 89.9735% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1392% | 449 |
| Noncurrent loans to loans | 1.3082% | 723 |
| Net loans and leases to total assets | 70.8946% | 933 |
| Net loans and leases to deposits | 85.5876% | 820 |
| Net loans and leases to core deposits | 88.2191% | 1,065 |
| Total domestic deposits to total assets | 82.8327% | 3,841 |
| Equity capital to assets | 13.2810% | 825 |
| Core capital (leverage) ratio | 13.1460% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5388% | 695 |
| Memoranda: | ||
| Average total assets | $382,530,600 | 2,054 |
| Average earning assets | $354,569,000 | 2,061 |
| Average equity | $52,197,000 | 1,699 |
| Average total loans | $279,221,600 | 1,789 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 1,910 |
| Cost of funding earning assets | 0.2959% | 2,632 |
| Net interest margin | 3.5552% | 1,715 |
| Noninterest income to average assets | 0.6491% | 2,014 |
| Noninterest expense to average assets | 3.1082% | 808 |
| Loan and lease loss provision to assets | 0.1252% | 932 |
| Net operating income to assets | 0.5572% | 4,088 |
| Return on assets (ROA) | 0.7172% | 3,791 |
| Pretax return on assets | 0.9096% | 3,672 |
| Return on Equity (ROE) | 5.2193% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.2193% | 3,134 |
| Net charge-offs to loans | 0.0351% | 1,373 |
| Credit loss provision to net charge-offs | 486.3014% | 769 |
| Earnings coverage of net charge-offs (x) | 32.3014% | 1,488 |
| Efficiency ratio | 78.7352% | 824 |
| Assets per employee ($millions) | 4.8386% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,326 |
| Loan loss allowance to noncurrent loans | 164.2713% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 1,001 |
| Noncurrent loans to loans | 0.6842% | 1,609 |
| Net loans and leases to total assets | 72.8616% | 786 |
| Net loans and leases to deposits | 88.7824% | 669 |
| Net loans and leases to core deposits | 91.4604% | 949 |
| Total domestic deposits to total assets | 82.0676% | 3,917 |
| Equity capital to assets | 13.5040% | 850 |
| Core capital (leverage) ratio | 13.2586% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4362% | 757 |
| Memoranda: | ||
| Average total assets | $377,739,500 | 2,097 |
| Average earning assets | $349,709,250 | 2,102 |
| Average equity | $51,909,000 | 1,727 |
| Average total loans | $276,984,000 | 1,839 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 2,080 |
| Cost of funding earning assets | 0.3075% | 2,706 |
| Net interest margin | 3.4882% | 1,888 |
| Noninterest income to average assets | 0.6032% | 2,205 |
| Noninterest expense to average assets | 3.1190% | 816 |
| Loan and lease loss provision to assets | 0.1421% | 853 |
| Net operating income to assets | 0.4183% | 4,351 |
| Return on assets (ROA) | 0.6847% | 3,863 |
| Pretax return on assets | 0.9088% | 3,643 |
| Return on Equity (ROE) | 4.9525% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.9525% | 3,201 |
| Net charge-offs to loans | 0.0234% | 1,480 |
| Credit loss provision to net charge-offs | 828.1250% | 527 |
| Earnings coverage of net charge-offs (x) | 41.5938% | 1,147 |
| Efficiency ratio | 81.1416% | 718 |
| Assets per employee ($millions) | 4.6139% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,284 |
| Loan loss allowance to noncurrent loans | 104.3407% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 964 |
| Noncurrent loans to loans | 1.0839% | 1,120 |
| Net loans and leases to total assets | 72.1103% | 953 |
| Net loans and leases to deposits | 88.3150% | 758 |
| Net loans and leases to core deposits | 90.9010% | 1,075 |
| Total domestic deposits to total assets | 81.6513% | 3,985 |
| Equity capital to assets | 13.4747% | 824 |
| Core capital (leverage) ratio | 13.3855% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9868% | 707 |
| Memoranda: | ||
| Average total assets | $373,010,000 | 2,104 |
| Average earning assets | $345,336,333 | 2,112 |
| Average equity | $51,570,000 | 1,729 |
| Average total loans | $273,041,667 | 1,867 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 2,139 |
| Cost of funding earning assets | 0.3242% | 2,759 |
| Net interest margin | 3.4610% | 1,933 |
| Noninterest income to average assets | 0.6015% | 2,207 |
| Noninterest expense to average assets | 3.1510% | 775 |
| Loan and lease loss provision to assets | 0.1684% | 740 |
| Net operating income to assets | 0.3735% | 4,409 |
| Return on assets (ROA) | 0.5731% | 4,062 |
| Pretax return on assets | 0.7339% | 3,945 |
| Return on Equity (ROE) | 4.0903% | 4,267 |
| Retained earnings to average equity (ytd only) | 4.0903% | 3,477 |
| Net charge-offs to loans | 0.0283% | 1,206 |
| Credit loss provision to net charge-offs | 810.5263% | 468 |
| Earnings coverage of net charge-offs (x) | 31.2632% | 1,079 |
| Efficiency ratio | 82.6187% | 667 |
| Assets per employee ($millions) | 4.2924% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,214 |
| Loan loss allowance to noncurrent loans | 96.1825% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 880 |
| Noncurrent loans to loans | 1.1911% | 1,105 |
| Net loans and leases to total assets | 72.4401% | 962 |
| Net loans and leases to deposits | 89.7509% | 714 |
| Net loans and leases to core deposits | 92.5102% | 1,079 |
| Total domestic deposits to total assets | 80.7123% | 4,100 |
| Equity capital to assets | 13.9443% | 684 |
| Core capital (leverage) ratio | 13.8108% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8713% | 593 |
| Memoranda: | ||
| Average total assets | $365,730,000 | 2,119 |
| Average earning assets | $338,049,000 | 2,131 |
| Average equity | $51,243,000 | 1,729 |
| Average total loans | $268,225,000 | 1,884 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 2,388 |
| Cost of funding earning assets | 0.4781% | 3,095 |
| Net interest margin | 3.6333% | 2,033 |
| Noninterest income to average assets | 0.5514% | 2,415 |
| Noninterest expense to average assets | 3.2090% | 1,043 |
| Loan and lease loss provision to assets | 0.2570% | 1,510 |
| Net operating income to assets | 0.3382% | 4,381 |
| Return on assets (ROA) | 0.5111% | 4,087 |
| Pretax return on assets | 0.6274% | 4,023 |
| Return on Equity (ROE) | 3.4135% | 4,282 |
| Retained earnings to average equity (ytd only) | 3.4135% | 3,115 |
| Net charge-offs to loans | 0.0501% | 2,081 |
| Credit loss provision to net charge-offs | 684.0000% | 1,004 |
| Earnings coverage of net charge-offs (x) | 17.8560% | 2,052 |
| Efficiency ratio | 82.4035% | 722 |
| Assets per employee ($millions) | 4.3652% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,391 |
| Loan loss allowance to noncurrent loans | 107.3524% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 1,185 |
| Noncurrent loans to loans | 1.0382% | 1,372 |
| Net loans and leases to total assets | 72.5827% | 1,213 |
| Net loans and leases to deposits | 91.6098% | 807 |
| Net loans and leases to core deposits | 93.5791% | 1,269 |
| Total domestic deposits to total assets | 79.2303% | 4,177 |
| Equity capital to assets | 14.0793% | 777 |
| Core capital (leverage) ratio | 14.0218% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9026% | 590 |
| Memoranda: | ||
| Average total assets | $332,623,800 | 2,125 |
| Average earning assets | $304,736,600 | 2,149 |
| Average equity | $49,802,000 | 1,696 |
| Average total loans | $249,379,800 | 1,924 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 2,590 |
| Cost of funding earning assets | 0.5100% | 3,161 |
| Net interest margin | 3.6202% | 2,199 |
| Noninterest income to average assets | 0.5699% | 2,306 |
| Noninterest expense to average assets | 3.2316% | 1,015 |
| Loan and lease loss provision to assets | 0.2583% | 1,569 |
| Net operating income to assets | 0.3171% | 4,415 |
| Return on assets (ROA) | 0.4002% | 4,329 |
| Pretax return on assets | 0.4904% | 4,297 |
| Return on Equity (ROE) | 2.6289% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.6289% | 3,677 |
| Net charge-offs to loans | 0.0484% | 1,920 |
| Credit loss provision to net charge-offs | 707.8652% | 1,062 |
| Earnings coverage of net charge-offs (x) | 17.7416% | 1,996 |
| Efficiency ratio | 83.0039% | 672 |
| Assets per employee ($millions) | 4.5821% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,420 |
| Loan loss allowance to noncurrent loans | 64.1026% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 747 |
| Noncurrent loans to loans | 1.6513% | 840 |
| Net loans and leases to total assets | 74.4853% | 1,312 |
| Net loans and leases to deposits | 94.2321% | 907 |
| Net loans and leases to core deposits | 96.2886% | 1,433 |
| Total domestic deposits to total assets | 79.0445% | 4,054 |
| Equity capital to assets | 14.4402% | 746 |
| Core capital (leverage) ratio | 14.1702% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2351% | 564 |
| Memoranda: | ||
| Average total assets | $325,201,750 | 2,142 |
| Average earning assets | $297,250,250 | 2,170 |
| Average equity | $49,499,750 | 1,696 |
| Average total loans | $245,239,750 | 1,950 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 2,716 |
| Cost of funding earning assets | 0.5498% | 3,234 |
| Net interest margin | 3.6632% | 2,285 |
| Noninterest income to average assets | 0.5833% | 2,192 |
| Noninterest expense to average assets | 3.3088% | 985 |
| Loan and lease loss provision to assets | 0.2337% | 1,803 |
| Net operating income to assets | 0.3427% | 4,344 |
| Return on assets (ROA) | 0.2721% | 4,506 |
| Pretax return on assets | 0.3061% | 4,528 |
| Return on Equity (ROE) | 1.7548% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.7548% | 3,852 |
| Net charge-offs to loans | 0.1119% | 1,178 |
| Credit loss provision to net charge-offs | 276.8657% | 1,678 |
| Earnings coverage of net charge-offs (x) | 7.3358% | 2,371 |
| Efficiency ratio | 83.9160% | 645 |
| Assets per employee ($millions) | 4.6805% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,702 |
| Loan loss allowance to noncurrent loans | 85.1775% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 1,371 |
| Noncurrent loans to loans | 1.1407% | 1,381 |
| Net loans and leases to total assets | 73.7073% | 1,452 |
| Net loans and leases to deposits | 94.4101% | 921 |
| Net loans and leases to core deposits | 96.7718% | 1,518 |
| Total domestic deposits to total assets | 78.0714% | 4,184 |
| Equity capital to assets | 14.5513% | 726 |
| Core capital (leverage) ratio | 14.4552% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6200% | 532 |
| Memoranda: | ||
| Average total assets | $317,521,667 | 2,160 |
| Average earning assets | $289,909,333 | 2,186 |
| Average equity | $49,237,333 | 1,694 |
| Average total loans | $239,598,333 | 1,959 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 2,714 |
| Cost of funding earning assets | 0.6203% | 3,329 |
| Net interest margin | 3.7508% | 2,137 |
| Noninterest income to average assets | 0.6757% | 1,747 |
| Noninterest expense to average assets | 3.5908% | 818 |
| Loan and lease loss provision to assets | 0.1519% | 1,875 |
| Net operating income to assets | 0.3734% | 4,189 |
| Return on assets (ROA) | -0.4583% | 4,896 |
| Pretax return on assets | -0.7072% | 4,922 |
| Return on Equity (ROE) | -2.8573% | 4,866 |
| Retained earnings to average equity (ytd only) | -2.8573% | 4,338 |
| Net charge-offs to loans | 0.1550% | 834 |
| Credit loss provision to net charge-offs | 128.8889% | 1,673 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 2,151 |
| Efficiency ratio | 87.5080% | 609 |
| Assets per employee ($millions) | 4.2121% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,876 |
| Loan loss allowance to noncurrent loans | 84.5492% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 1,501 |
| Noncurrent loans to loans | 1.1392% | 1,459 |
| Net loans and leases to total assets | 73.5600% | 1,685 |
| Net loans and leases to deposits | 97.4143% | 783 |
| Net loans and leases to core deposits | 99.9892% | 1,474 |
| Total domestic deposits to total assets | 75.5125% | 4,534 |
| Equity capital to assets | 15.4556% | 685 |
| Core capital (leverage) ratio | 15.6203% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2608% | 547 |
| Memoranda: | ||
| Average total assets | $305,446,000 | 2,173 |
| Average earning assets | $277,911,000 | 2,211 |
| Average equity | $48,997,000 | 1,693 |
| Average total loans | $232,243,000 | 1,976 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 2,226 |
| Cost of funding earning assets | 0.6144% | 3,580 |
| Net interest margin | 4.1197% | 1,487 |
| Noninterest income to average assets | 0.6768% | 1,893 |
| Noninterest expense to average assets | 3.4444% | 1,038 |
| Loan and lease loss provision to assets | 0.3545% | 426 |
| Net operating income to assets | 0.4966% | 4,412 |
| Return on assets (ROA) | 0.7096% | 3,903 |
| Pretax return on assets | 0.8915% | 3,763 |
| Return on Equity (ROE) | 4.2663% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.2663% | 2,825 |
| Net charge-offs to loans | 0.3184% | 649 |
| Credit loss provision to net charge-offs | 142.7577% | 1,805 |
| Earnings coverage of net charge-offs (x) | 3.9457% | 3,274 |
| Efficiency ratio | 77.5502% | 1,200 |
| Assets per employee ($millions) | 3.9332% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 3,640 |
| Loan loss allowance to noncurrent loans | 74.1946% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0753% | 1,151 |
| Noncurrent loans to loans | 1.3100% | 1,148 |
| Net loans and leases to total assets | 77.1601% | 1,233 |
| Net loans and leases to deposits | 102.9667% | 418 |
| Net loans and leases to core deposits | 105.8001% | 1,116 |
| Total domestic deposits to total assets | 74.9369% | 4,710 |
| Equity capital to assets | 16.6681% | 508 |
| Core capital (leverage) ratio | 16.1985% | 496 |
| Tier 1 risk-based capital ratio | 22.5879% | 953 |
| Total risk-based capital ratio | 23.6474% | 954 |
| Memoranda: | ||
| Average total assets | $289,162,000 | 2,225 |
| Average earning assets | $263,027,800 | 2,255 |
| Average equity | $48,098,000 | 1,656 |
| Average total loans | $225,486,800 | 1,984 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 2,288 |
| Cost of funding earning assets | 0.6033% | 3,687 |
| Net interest margin | 4.1396% | 1,528 |
| Noninterest income to average assets | 0.6743% | 1,894 |
| Noninterest expense to average assets | 3.4103% | 1,068 |
| Loan and lease loss provision to assets | 0.3568% | 369 |
| Net operating income to assets | 0.5280% | 4,453 |
| Return on assets (ROA) | 0.7030% | 4,068 |
| Pretax return on assets | 0.8967% | 3,880 |
| Return on Equity (ROE) | 4.2287% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.2287% | 3,286 |
| Net charge-offs to loans | 0.4177% | 397 |
| Credit loss provision to net charge-offs | 109.5306% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3.1679% | 3,129 |
| Efficiency ratio | 76.4552% | 1,279 |
| Assets per employee ($millions) | 3.7640% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 4,137 |
| Loan loss allowance to noncurrent loans | 64.6353% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 1,115 |
| Noncurrent loans to loans | 1.3539% | 1,136 |
| Net loans and leases to total assets | 76.9296% | 1,334 |
| Net loans and leases to deposits | 103.7640% | 425 |
| Net loans and leases to core deposits | 106.9539% | 1,115 |
| Total domestic deposits to total assets | 74.1390% | 4,809 |
| Equity capital to assets | 16.5665% | 546 |
| Core capital (leverage) ratio | 16.1315% | 543 |
| Tier 1 risk-based capital ratio | 22.3575% | 1,025 |
| Total risk-based capital ratio | 23.3045% | 1,036 |
| Memoranda: | ||
| Average total assets | $287,705,500 | 2,249 |
| Average earning assets | $261,887,750 | 2,277 |
| Average equity | $47,830,250 | 1,666 |
| Average total loans | $224,396,750 | 2,007 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 2,338 |
| Cost of funding earning assets | 0.5825% | 3,737 |
| Net interest margin | 4.1244% | 1,540 |
| Noninterest income to average assets | 0.6621% | 1,866 |
| Noninterest expense to average assets | 3.3723% | 1,149 |
| Loan and lease loss provision to assets | 0.3850% | 322 |
| Net operating income to assets | 0.5195% | 4,487 |
| Return on assets (ROA) | 0.7545% | 3,875 |
| Pretax return on assets | 0.9589% | 3,681 |
| Return on Equity (ROE) | 4.5331% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.5331% | 3,005 |
| Net charge-offs to loans | 0.4954% | 316 |
| Credit loss provision to net charge-offs | 99.4575% | 2,011 |
| Earnings coverage of net charge-offs (x) | 2.7034% | 2,917 |
| Efficiency ratio | 76.0019% | 1,397 |
| Assets per employee ($millions) | 3.7224% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,236 |
| Loan loss allowance to noncurrent loans | 55.7843% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 1,026 |
| Noncurrent loans to loans | 1.5403% | 998 |
| Net loans and leases to total assets | 76.4573% | 1,479 |
| Net loans and leases to deposits | 101.1657% | 598 |
| Net loans and leases to core deposits | 104.4055% | 1,351 |
| Total domestic deposits to total assets | 75.5763% | 4,716 |
| Equity capital to assets | 16.5916% | 519 |
| Core capital (leverage) ratio | 16.5406% | 478 |
| Tier 1 risk-based capital ratio | 22.5512% | 990 |
| Total risk-based capital ratio | 23.4820% | 1,009 |
| Memoranda: | ||
| Average total assets | $285,743,000 | 2,260 |
| Average earning assets | $260,257,330 | 2,295 |
| Average equity | $47,561,000 | 1,663 |
| Average total loans | $223,244,330 | 2,029 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 2,349 |
| Cost of funding earning assets | 0.5640% | 3,762 |
| Net interest margin | 4.0954% | 1,559 |
| Noninterest income to average assets | 0.6068% | 2,014 |
| Noninterest expense to average assets | 3.4307% | 1,067 |
| Loan and lease loss provision to assets | 0.2117% | 741 |
| Net operating income to assets | 0.5504% | 4,380 |
| Return on assets (ROA) | 0.9117% | 3,234 |
| Pretax return on assets | 1.1516% | 2,971 |
| Return on Equity (ROE) | 5.4682% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.4682% | 2,708 |
| Net charge-offs to loans | 0.4504% | 338 |
| Credit loss provision to net charge-offs | 59.7610% | 1,914 |
| Earnings coverage of net charge-offs (x) | 2.5578% | 2,483 |
| Efficiency ratio | 78.7829% | 1,183 |
| Assets per employee ($millions) | 4.0440% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 4,465 |
| Loan loss allowance to noncurrent loans | 45.2877% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 771 |
| Noncurrent loans to loans | 1.8075% | 851 |
| Net loans and leases to total assets | 78.1564% | 1,121 |
| Net loans and leases to deposits | 102.0879% | 493 |
| Net loans and leases to core deposits | 104.6610% | 1,266 |
| Total domestic deposits to total assets | 76.5579% | 4,701 |
| Equity capital to assets | 16.8235% | 469 |
| Core capital (leverage) ratio | 16.4212% | 478 |
| Tier 1 risk-based capital ratio | 22.3816% | 1,002 |
| Total risk-based capital ratio | 23.2669% | 1,024 |
| Memoranda: | ||
| Average total assets | $283,442,000 | 2,292 |
| Average earning assets | $258,142,500 | 2,332 |
| Average equity | $47,255,000 | 1,664 |
| Average total loans | $222,909,500 | 2,046 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,991 |
| Cost of funding earning assets | 0.4669% | 3,572 |
| Net interest margin | 4.1822% | 1,442 |
| Noninterest income to average assets | 0.6463% | 2,057 |
| Noninterest expense to average assets | 3.2806% | 1,371 |
| Loan and lease loss provision to assets | 0.4571% | 278 |
| Net operating income to assets | 0.5613% | 4,518 |
| Return on assets (ROA) | 0.6385% | 4,324 |
| Pretax return on assets | 0.7929% | 4,188 |
| Return on Equity (ROE) | 3.9325% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.9325% | 3,413 |
| Net charge-offs to loans | 0.6236% | 271 |
| Credit loss provision to net charge-offs | 95.0988% | 2,635 |
| Earnings coverage of net charge-offs (x) | 2.4023% | 3,522 |
| Efficiency ratio | 73.6563% | 1,673 |
| Assets per employee ($millions) | 4.0543% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,312 |
| Loan loss allowance to noncurrent loans | 64.2548% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 1,167 |
| Noncurrent loans to loans | 1.3464% | 1,164 |
| Net loans and leases to total assets | 77.8075% | 1,300 |
| Net loans and leases to deposits | 101.0479% | 666 |
| Net loans and leases to core deposits | 104.0220% | 1,413 |
| Total domestic deposits to total assets | 77.0006% | 4,633 |
| Equity capital to assets | 16.5206% | 462 |
| Core capital (leverage) ratio | 16.0731% | 505 |
| Tier 1 risk-based capital ratio | 21.8756% | 1,046 |
| Total risk-based capital ratio | 22.8037% | 1,065 |
| Memoranda: | ||
| Average total assets | $284,403,000 | 2,240 |
| Average earning assets | $257,663,600 | 2,281 |
| Average equity | $46,179,600 | 1,625 |
| Average total loans | $219,198,200 | 2,029 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 1,915 |
| Cost of funding earning assets | 0.4459% | 3,552 |
| Net interest margin | 4.1775% | 1,427 |
| Noninterest income to average assets | 0.6082% | 2,265 |
| Noninterest expense to average assets | 3.2654% | 1,381 |
| Loan and lease loss provision to assets | 0.3224% | 438 |
| Net operating income to assets | 0.6189% | 4,450 |
| Return on assets (ROA) | 0.7192% | 4,180 |
| Pretax return on assets | 0.9268% | 3,927 |
| Return on Equity (ROE) | 4.4489% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.4489% | 3,526 |
| Net charge-offs to loans | 0.3982% | 413 |
| Credit loss provision to net charge-offs | 105.5215% | 2,180 |
| Earnings coverage of net charge-offs (x) | 3.6733% | 3,138 |
| Efficiency ratio | 74.1029% | 1,580 |
| Assets per employee ($millions) | 4.1781% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,214 |
| Loan loss allowance to noncurrent loans | 71.0536% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 1,323 |
| Noncurrent loans to loans | 1.2863% | 1,309 |
| Net loans and leases to total assets | 76.3414% | 1,613 |
| Net loans and leases to deposits | 98.5104% | 911 |
| Net loans and leases to core deposits | 101.2518% | 1,675 |
| Total domestic deposits to total assets | 77.4958% | 4,566 |
| Equity capital to assets | 16.2279% | 498 |
| Core capital (leverage) ratio | 15.6843% | 566 |
| Tier 1 risk-based capital ratio | 22.0093% | 1,053 |
| Total risk-based capital ratio | 23.0000% | 1,064 |
| Memoranda: | ||
| Average total assets | $284,553,000 | 2,250 |
| Average earning assets | $257,437,750 | 2,295 |
| Average equity | $46,003,000 | 1,633 |
| Average total loans | $218,311,000 | 2,047 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 1,957 |
| Cost of funding earning assets | 0.4185% | 3,582 |
| Net interest margin | 4.1226% | 1,483 |
| Noninterest income to average assets | 0.5930% | 2,358 |
| Noninterest expense to average assets | 3.2961% | 1,330 |
| Loan and lease loss provision to assets | 0.3706% | 340 |
| Net operating income to assets | 0.5069% | 4,735 |
| Return on assets (ROA) | 0.6558% | 4,338 |
| Pretax return on assets | 0.8351% | 4,151 |
| Return on Equity (ROE) | 4.0618% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.0618% | 3,578 |
| Net charge-offs to loans | 0.4165% | 372 |
| Credit loss provision to net charge-offs | 116.1504% | 1,831 |
| Earnings coverage of net charge-offs (x) | 3.1881% | 2,901 |
| Efficiency ratio | 76.0884% | 1,417 |
| Assets per employee ($millions) | 4.0106% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,164 |
| Loan loss allowance to noncurrent loans | 61.1358% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.2083% | 1,188 |
| Noncurrent loans to loans | 1.5360% | 1,083 |
| Net loans and leases to total assets | 75.5115% | 1,711 |
| Net loans and leases to deposits | 96.9809% | 1,039 |
| Net loans and leases to core deposits | 99.3485% | 1,785 |
| Total domestic deposits to total assets | 77.8622% | 4,611 |
| Equity capital to assets | 15.9406% | 510 |
| Core capital (leverage) ratio | 15.9243% | 511 |
| Tier 1 risk-based capital ratio | 21.8211% | 1,058 |
| Total risk-based capital ratio | 22.8303% | 1,064 |
| Memoranda: | ||
| Average total assets | $283,308,000 | 2,262 |
| Average earning assets | $255,665,000 | 2,315 |
| Average equity | $45,743,000 | 1,642 |
| Average total loans | $217,043,670 | 2,060 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,363 |
| Cost of funding earning assets | 0.3844% | 3,701 |
| Net interest margin | 3.9621% | 1,838 |
| Noninterest income to average assets | 0.6372% | 2,091 |
| Noninterest expense to average assets | 3.3701% | 1,215 |
| Loan and lease loss provision to assets | 0.2324% | 666 |
| Net operating income to assets | 0.4844% | 4,733 |
| Return on assets (ROA) | 0.7513% | 3,905 |
| Pretax return on assets | 0.9580% | 3,674 |
| Return on Equity (ROE) | 4.6229% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.6229% | 3,351 |
| Net charge-offs to loans | 0.7387% | 200 |
| Credit loss provision to net charge-offs | 40.9548% | 2,010 |
| Earnings coverage of net charge-offs (x) | 1.5025% | 2,549 |
| Efficiency ratio | 79.4733% | 1,201 |
| Assets per employee ($millions) | 4.2156% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,790 |
| Loan loss allowance to noncurrent loans | 43.1868% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 926 |
| Noncurrent loans to loans | 1.8543% | 890 |
| Net loans and leases to total assets | 77.1468% | 1,365 |
| Net loans and leases to deposits | 100.3214% | 682 |
| Net loans and leases to core deposits | 102.7370% | 1,461 |
| Total domestic deposits to total assets | 76.8997% | 4,867 |
| Equity capital to assets | 16.1566% | 473 |
| Core capital (leverage) ratio | 16.0655% | 481 |
| Tier 1 risk-based capital ratio | 21.8548% | 1,073 |
| Total risk-based capital ratio | 22.7243% | 1,102 |
| Memoranda: | ||
| Average total assets | $280,582,000 | 2,299 |
| Average earning assets | $253,907,000 | 2,342 |
| Average equity | $45,599,500 | 1,657 |
| Average total loans | $215,508,500 | 2,079 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,953 |
| Cost of funding earning assets | 0.3805% | 3,421 |
| Net interest margin | 3.7494% | 2,608 |
| Noninterest income to average assets | 0.6085% | 2,410 |
| Noninterest expense to average assets | 3.2129% | 1,578 |
| Loan and lease loss provision to assets | 0.1596% | 1,404 |
| Net operating income to assets | 0.4460% | 4,549 |
| Return on assets (ROA) | 0.5238% | 4,344 |
| Pretax return on assets | 0.7468% | 4,395 |
| Return on Equity (ROE) | 3.2313% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.2313% | 3,360 |
| Net charge-offs to loans | 0.1581% | 1,541 |
| Credit loss provision to net charge-offs | 138.6792% | 1,906 |
| Earnings coverage of net charge-offs (x) | 6.9088% | 3,124 |
| Efficiency ratio | 79.9494% | 1,110 |
| Assets per employee ($millions) | 4.1600% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 4,251 |
| Loan loss allowance to noncurrent loans | 49.7505% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.4620% | 952 |
| Noncurrent loans to loans | 1.8963% | 820 |
| Net loans and leases to total assets | 75.1175% | 1,736 |
| Net loans and leases to deposits | 95.8733% | 1,102 |
| Net loans and leases to core deposits | 98.4608% | 1,829 |
| Total domestic deposits to total assets | 78.3508% | 4,661 |
| Equity capital to assets | 16.3482% | 474 |
| Core capital (leverage) ratio | 15.6970% | 515 |
| Tier 1 risk-based capital ratio | 22.3233% | 981 |
| Total risk-based capital ratio | 23.3410% | 987 |
| Memoranda: | ||
| Average total assets | $276,233,400 | 2,309 |
| Average earning assets | $250,469,000 | 2,346 |
| Average equity | $44,781,400 | 1,667 |
| Average total loans | $201,163,000 | 2,146 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,126 |
| Cost of funding earning assets | 0.3775% | 3,401 |
| Net interest margin | 3.6846% | 2,808 |
| Noninterest income to average assets | 0.6037% | 2,462 |
| Noninterest expense to average assets | 3.2049% | 1,546 |
| Loan and lease loss provision to assets | 0.1437% | 1,468 |
| Net operating income to assets | 0.4195% | 4,959 |
| Return on assets (ROA) | 0.5220% | 4,701 |
| Pretax return on assets | 0.7518% | 4,479 |
| Return on Equity (ROE) | 3.2267% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.2267% | 4,003 |
| Net charge-offs to loans | 0.1859% | 1,128 |
| Credit loss provision to net charge-offs | 107.2202% | 2,176 |
| Earnings coverage of net charge-offs (x) | 5.5741% | 3,089 |
| Efficiency ratio | 80.9401% | 1,003 |
| Assets per employee ($millions) | 4.2558% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 4,404 |
| Loan loss allowance to noncurrent loans | 45.4895% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 1,027 |
| Noncurrent loans to loans | 2.0573% | 826 |
| Net loans and leases to total assets | 70.2006% | 2,525 |
| Net loans and leases to deposits | 88.5303% | 1,983 |
| Net loans and leases to core deposits | 90.7614% | 2,546 |
| Total domestic deposits to total assets | 79.2956% | 4,480 |
| Equity capital to assets | 15.8447% | 570 |
| Core capital (leverage) ratio | 15.6722% | 543 |
| Tier 1 risk-based capital ratio | 23.3318% | 915 |
| Total risk-based capital ratio | 24.3492% | 922 |
| Memoranda: | ||
| Average total assets | $275,611,250 | 2,326 |
| Average earning assets | $250,440,000 | 2,366 |
| Average equity | $44,585,250 | 1,686 |
| Average total loans | $198,613,000 | 2,174 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,056 |
| Cost of funding earning assets | 0.3753% | 3,336 |
| Net interest margin | 3.6621% | 2,785 |
| Noninterest income to average assets | 0.6174% | 2,379 |
| Noninterest expense to average assets | 3.2081% | 1,560 |
| Loan and lease loss provision to assets | 0.1454% | 1,405 |
| Net operating income to assets | 0.4121% | 4,954 |
| Return on assets (ROA) | 0.5036% | 4,732 |
| Pretax return on assets | 0.7187% | 4,501 |
| Return on Equity (ROE) | 3.0910% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.0910% | 3,873 |
| Net charge-offs to loans | 0.2785% | 727 |
| Credit loss provision to net charge-offs | 72.0000% | 2,356 |
| Earnings coverage of net charge-offs (x) | 3.6327% | 3,019 |
| Efficiency ratio | 81.3373% | 1,069 |
| Assets per employee ($millions) | 4.0230% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 4,709 |
| Loan loss allowance to noncurrent loans | 47.6241% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.3869% | 1,137 |
| Noncurrent loans to loans | 1.8516% | 951 |
| Net loans and leases to total assets | 72.6438% | 2,100 |
| Net loans and leases to deposits | 92.5328% | 1,426 |
| Net loans and leases to core deposits | 94.8446% | 2,083 |
| Total domestic deposits to total assets | 78.5061% | 4,729 |
| Equity capital to assets | 16.1357% | 521 |
| Core capital (leverage) ratio | 15.7830% | 503 |
| Tier 1 risk-based capital ratio | 22.9814% | 956 |
| Total risk-based capital ratio | 23.9404% | 959 |
| Memoranda: | ||
| Average total assets | $272,436,000 | 2,357 |
| Average earning assets | $247,291,000 | 2,398 |
| Average equity | $44,387,330 | 1,691 |
| Average total loans | $197,464,330 | 2,191 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,162 |
| Cost of funding earning assets | 0.3722% | 3,285 |
| Net interest margin | 3.5912% | 2,918 |
| Noninterest income to average assets | 0.5959% | 2,439 |
| Noninterest expense to average assets | 3.2595% | 1,454 |
| Loan and lease loss provision to assets | 0.1467% | 1,273 |
| Net operating income to assets | 0.3196% | 5,143 |
| Return on assets (ROA) | 0.5069% | 4,600 |
| Pretax return on assets | 0.7144% | 4,404 |
| Return on Equity (ROE) | 3.0960% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.0960% | 3,864 |
| Net charge-offs to loans | 0.0062% | 2,761 |
| Credit loss provision to net charge-offs | 3,300.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 134.3333% | 408 |
| Efficiency ratio | 84.5119% | 928 |
| Assets per employee ($millions) | 3.9136% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,252 |
| Loan loss allowance to noncurrent loans | 55.5807% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 1,259 |
| Noncurrent loans to loans | 1.8072% | 1,040 |
| Net loans and leases to total assets | 71.7923% | 2,099 |
| Net loans and leases to deposits | 89.6830% | 1,578 |
| Net loans and leases to core deposits | 91.8417% | 2,180 |
| Total domestic deposits to total assets | 80.0512% | 4,607 |
| Equity capital to assets | 16.4341% | 439 |
| Core capital (leverage) ratio | 15.8905% | 475 |
| Tier 1 risk-based capital ratio | 23.8110% | 890 |
| Total risk-based capital ratio | 24.9022% | 884 |
| Memoranda: | ||
| Average total assets | $269,859,000 | 2,399 |
| Average earning assets | $245,041,500 | 2,436 |
| Average equity | $44,185,500 | 1,704 |
| Average total loans | $194,473,500 | 2,227 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,410 |
| Cost of funding earning assets | 0.3543% | 3,469 |
| Net interest margin | 3.5887% | 3,113 |
| Noninterest income to average assets | 0.6328% | 2,488 |
| Noninterest expense to average assets | 3.2334% | 1,720 |
| Loan and lease loss provision to assets | 0.1201% | 2,062 |
| Net operating income to assets | 0.3900% | 4,979 |
| Return on assets (ROA) | 0.4895% | 4,749 |
| Pretax return on assets | 0.7016% | 4,484 |
| Return on Equity (ROE) | 2.9633% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.9633% | 3,792 |
| Net charge-offs to loans | 0.0143% | 3,811 |
| Credit loss provision to net charge-offs | 1,215.3846% | 320 |
| Earnings coverage of net charge-offs (x) | 68.7692% | 806 |
| Efficiency ratio | 82.6340% | 1,130 |
| Assets per employee ($millions) | 3.9659% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 4,482 |
| Loan loss allowance to noncurrent loans | 84.8526% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 2,224 |
| Noncurrent loans to loans | 1.1418% | 1,793 |
| Net loans and leases to total assets | 70.9146% | 2,348 |
| Net loans and leases to deposits | 90.0582% | 1,675 |
| Net loans and leases to core deposits | 92.4094% | 2,259 |
| Total domestic deposits to total assets | 78.7431% | 4,854 |
| Equity capital to assets | 16.3129% | 457 |
| Core capital (leverage) ratio | 15.9447% | 468 |
| Tier 1 risk-based capital ratio | 23.7361% | 894 |
| Total risk-based capital ratio | 24.7775% | 901 |
| Memoranda: | ||
| Average total assets | $263,126,000 | 2,410 |
| Average earning assets | $240,504,800 | 2,427 |
| Average equity | $43,464,400 | 1,708 |
| Average total loans | $181,354,400 | 2,298 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 3,529 |
| Cost of funding earning assets | 0.3518% | 3,517 |
| Net interest margin | 3.5639% | 3,216 |
| Noninterest income to average assets | 0.6277% | 2,532 |
| Noninterest expense to average assets | 3.3092% | 1,542 |
| Loan and lease loss provision to assets | 0.0826% | 2,557 |
| Net operating income to assets | 0.3557% | 5,151 |
| Return on assets (ROA) | 0.4339% | 5,006 |
| Pretax return on assets | 0.6109% | 4,846 |
| Return on Equity (ROE) | 2.6185% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.6185% | 4,348 |
| Net charge-offs to loans | 0.0097% | 3,587 |
| Credit loss provision to net charge-offs | 1,246.1538% | 340 |
| Earnings coverage of net charge-offs (x) | 88.0150% | 716 |
| Efficiency ratio | 85.0144% | 901 |
| Assets per employee ($millions) | 3.7973% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,783 |
| Loan loss allowance to noncurrent loans | 83.7772% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 2,541 |
| Noncurrent loans to loans | 1.1036% | 2,045 |
| Net loans and leases to total assets | 69.7405% | 2,529 |
| Net loans and leases to deposits | 85.4363% | 2,319 |
| Net loans and leases to core deposits | 87.8640% | 2,774 |
| Total domestic deposits to total assets | 81.6287% | 4,067 |
| Equity capital to assets | 16.4843% | 488 |
| Core capital (leverage) ratio | 15.9064% | 492 |
| Tier 1 risk-based capital ratio | 24.7553% | 840 |
| Total risk-based capital ratio | 25.7729% | 845 |
| Memoranda: | ||
| Average total assets | $261,487,000 | 2,435 |
| Average earning assets | $239,547,250 | 2,442 |
| Average equity | $43,332,250 | 1,722 |
| Average total loans | $178,414,250 | 2,329 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 3,525 |
| Cost of funding earning assets | 0.3555% | 3,504 |
| Net interest margin | 3.5700% | 3,209 |
| Noninterest income to average assets | 0.6191% | 2,511 |
| Noninterest expense to average assets | 3.3163% | 1,557 |
| Loan and lease loss provision to assets | 0.0831% | 2,475 |
| Net operating income to assets | 0.3461% | 5,191 |
| Return on assets (ROA) | 0.4084% | 5,096 |
| Pretax return on assets | 0.5745% | 4,959 |
| Return on Equity (ROE) | 2.4600% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.4600% | 4,320 |
| Net charge-offs to loans | -0.0091% | 4,673 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3354% | 938 |
| Assets per employee ($millions) | 3.7007% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,797 |
| Loan loss allowance to noncurrent loans | 129.6409% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 3,375 |
| Noncurrent loans to loans | 0.7267% | 2,917 |
| Net loans and leases to total assets | 67.9083% | 2,788 |
| Net loans and leases to deposits | 83.2347% | 2,557 |
| Net loans and leases to core deposits | 85.6561% | 2,935 |
| Total domestic deposits to total assets | 81.5865% | 4,120 |
| Equity capital to assets | 16.5768% | 479 |
| Core capital (leverage) ratio | 16.1673% | 446 |
| Tier 1 risk-based capital ratio | 25.2596% | 791 |
| Total risk-based capital ratio | 26.2854% | 796 |
| Memoranda: | ||
| Average total assets | $260,045,670 | 2,455 |
| Average earning assets | $237,981,670 | 2,471 |
| Average equity | $43,170,670 | 1,728 |
| Average total loans | $175,516,330 | 2,358 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,631 |
| Cost of funding earning assets | 0.3515% | 3,585 |
| Net interest margin | 3.5355% | 3,336 |
| Noninterest income to average assets | 0.6123% | 2,459 |
| Noninterest expense to average assets | 3.3461% | 1,493 |
| Loan and lease loss provision to assets | 0.0835% | 2,283 |
| Net operating income to assets | 0.3232% | 5,234 |
| Return on assets (ROA) | 0.3232% | 5,316 |
| Pretax return on assets | 0.4175% | 5,269 |
| Return on Equity (ROE) | 1.9452% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.9452% | 4,477 |
| Net charge-offs to loans | -0.0115% | 4,590 |
| Credit loss provision to net charge-offs | -1,080.0000% | 4,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9775% | 893 |
| Assets per employee ($millions) | 3.6765% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 4,963 |
| Loan loss allowance to noncurrent loans | 263.6656% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,346 |
| Noncurrent loans to loans | 0.3516% | 4,170 |
| Net loans and leases to total assets | 68.1033% | 2,633 |
| Net loans and leases to deposits | 83.7099% | 2,339 |
| Net loans and leases to core deposits | 86.2326% | 2,727 |
| Total domestic deposits to total assets | 81.3563% | 4,390 |
| Equity capital to assets | 16.7871% | 440 |
| Core capital (leverage) ratio | 16.3117% | 436 |
| Tier 1 risk-based capital ratio | 25.6746% | 757 |
| Total risk-based capital ratio | 26.6913% | 766 |
| Memoranda: | ||
| Average total assets | $258,692,000 | 2,472 |
| Average earning assets | $236,684,500 | 2,496 |
| Average equity | $42,978,000 | 1,730 |
| Average total loans | $173,210,500 | 2,377 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 3,759 |
| Cost of funding earning assets | 0.4019% | 3,133 |
| Net interest margin | 3.4831% | 3,584 |
| Noninterest income to average assets | 0.6856% | 2,269 |
| Noninterest expense to average assets | 3.3541% | 1,597 |
| Loan and lease loss provision to assets | 0.0343% | 3,667 |
| Net operating income to assets | 0.3369% | 5,250 |
| Return on assets (ROA) | 0.4193% | 5,071 |
| Pretax return on assets | 0.5863% | 4,881 |
| Return on Equity (ROE) | 2.4841% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.4841% | 4,303 |
| Net charge-offs to loans | 0.0490% | 3,219 |
| Credit loss provision to net charge-offs | 110.2564% | 2,293 |
| Earnings coverage of net charge-offs (x) | 16.2821% | 2,147 |
| Efficiency ratio | 86.8869% | 920 |
| Assets per employee ($millions) | 3.7686% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 4,956 |
| Loan loss allowance to noncurrent loans | 143.7273% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 3,800 |
| Noncurrent loans to loans | 0.6489% | 3,236 |
| Net loans and leases to total assets | 64.5823% | 3,187 |
| Net loans and leases to deposits | 77.7328% | 3,082 |
| Net loans and leases to core deposits | 80.1124% | 3,334 |
| Total domestic deposits to total assets | 83.0824% | 3,817 |
| Equity capital to assets | 16.4419% | 472 |
| Core capital (leverage) ratio | 16.0391% | 462 |
| Tier 1 risk-based capital ratio | 26.6662% | 694 |
| Total risk-based capital ratio | 27.6882% | 688 |
| Memoranda: | ||
| Average total assets | $250,888,400 | 2,496 |
| Average earning assets | $228,675,400 | 2,521 |
| Average equity | $42,348,600 | 1,718 |
| Average total loans | $159,233,400 | 2,484 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 3,805 |
| Cost of funding earning assets | 0.4111% | 3,115 |
| Net interest margin | 3.4710% | 3,659 |
| Noninterest income to average assets | 0.6800% | 2,327 |
| Noninterest expense to average assets | 3.4110% | 1,458 |
| Loan and lease loss provision to assets | 0.0724% | 2,726 |
| Net operating income to assets | 0.2621% | 5,548 |
| Return on assets (ROA) | 0.3282% | 5,454 |
| Pretax return on assets | 0.4478% | 5,353 |
| Return on Equity (ROE) | 1.9314% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.9314% | 4,915 |
| Net charge-offs to loans | 0.0604% | 2,734 |
| Credit loss provision to net charge-offs | 190.1408% | 1,391 |
| Earnings coverage of net charge-offs (x) | 11.2822% | 2,504 |
| Efficiency ratio | 88.8144% | 772 |
| Assets per employee ($millions) | 3.6930% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,865 |
| Loan loss allowance to noncurrent loans | 105.2733% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 3,299 |
| Noncurrent loans to loans | 0.9262% | 2,659 |
| Net loans and leases to total assets | 64.3115% | 3,258 |
| Net loans and leases to deposits | 77.7023% | 3,126 |
| Net loans and leases to core deposits | 79.9460% | 3,432 |
| Total domestic deposits to total assets | 82.7666% | 3,893 |
| Equity capital to assets | 16.3840% | 510 |
| Core capital (leverage) ratio | 16.0973% | 478 |
| Tier 1 risk-based capital ratio | 26.5296% | 727 |
| Total risk-based capital ratio | 27.5923% | 723 |
| Memoranda: | ||
| Average total assets | $248,602,750 | 2,538 |
| Average earning assets | $226,364,250 | 2,557 |
| Average equity | $42,247,250 | 1,743 |
| Average total loans | $156,663,000 | 2,523 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,820 |
| Cost of funding earning assets | 0.4215% | 3,026 |
| Net interest margin | 3.4416% | 3,750 |
| Noninterest income to average assets | 0.6849% | 2,279 |
| Noninterest expense to average assets | 3.4611% | 1,363 |
| Loan and lease loss provision to assets | 0.0881% | 2,349 |
| Net operating income to assets | 0.2033% | 5,684 |
| Return on assets (ROA) | 0.3106% | 5,507 |
| Pretax return on assets | 0.4044% | 5,458 |
| Return on Equity (ROE) | 1.8052% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.8052% | 4,795 |
| Net charge-offs to loans | 0.0955% | 2,061 |
| Credit loss provision to net charge-offs | 147.9452% | 1,551 |
| Earnings coverage of net charge-offs (x) | 5.9315% | 2,860 |
| Efficiency ratio | 90.7439% | 702 |
| Assets per employee ($millions) | 3.3934% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 4,809 |
| Loan loss allowance to noncurrent loans | 97.7508% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 2,950 |
| Noncurrent loans to loans | 1.0357% | 2,574 |
| Net loans and leases to total assets | 62.6124% | 3,466 |
| Net loans and leases to deposits | 75.9897% | 3,273 |
| Net loans and leases to core deposits | 78.3453% | 3,543 |
| Total domestic deposits to total assets | 82.3960% | 4,152 |
| Equity capital to assets | 16.8446% | 431 |
| Core capital (leverage) ratio | 16.5211% | 411 |
| Tier 1 risk-based capital ratio | 28.4158% | 623 |
| Total risk-based capital ratio | 29.5368% | 619 |
| Memoranda: | ||
| Average total assets | $245,300,670 | 2,581 |
| Average earning assets | $223,035,330 | 2,598 |
| Average equity | $42,211,670 | 1,751 |
| Average total loans | $152,921,330 | 2,581 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 3,651 |
| Cost of funding earning assets | 0.4284% | 2,988 |
| Net interest margin | 3.4654% | 3,563 |
| Noninterest income to average assets | 0.6898% | 2,204 |
| Noninterest expense to average assets | 3.5083% | 1,287 |
| Loan and lease loss provision to assets | 0.0891% | 2,204 |
| Net operating income to assets | 0.1828% | 5,718 |
| Return on assets (ROA) | 0.3944% | 5,201 |
| Pretax return on assets | 0.5248% | 5,114 |
| Return on Equity (ROE) | 2.2671% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.2671% | 4,549 |
| Net charge-offs to loans | 0.1440% | 1,378 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 3.7222% | 2,575 |
| Efficiency ratio | 91.3623% | 755 |
| Assets per employee ($millions) | 3.4373% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,796 |
| Loan loss allowance to noncurrent loans | 93.7984% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 2,955 |
| Noncurrent loans to loans | 1.1129% | 2,546 |
| Net loans and leases to total assets | 61.1015% | 3,516 |
| Net loans and leases to deposits | 74.5779% | 3,222 |
| Net loans and leases to core deposits | 76.9998% | 3,490 |
| Total domestic deposits to total assets | 81.9298% | 4,530 |
| Equity capital to assets | 17.3109% | 396 |
| Core capital (leverage) ratio | 16.7476% | 385 |
| Tier 1 risk-based capital ratio | 29.1752% | 586 |
| Total risk-based capital ratio | 30.3085% | 581 |
| Memoranda: | ||
| Average total assets | $242,394,500 | 2,615 |
| Average earning assets | $220,347,000 | 2,640 |
| Average equity | $42,168,000 | 1,757 |
| Average total loans | $149,964,000 | 2,622 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,954 |
| Cost of funding earning assets | 0.4776% | 2,906 |
| Net interest margin | 3.4662% | 3,915 |
| Noninterest income to average assets | 0.7564% | 2,051 |
| Noninterest expense to average assets | 3.4619% | 1,571 |
| Loan and lease loss provision to assets | 0.0491% | 3,586 |
| Net operating income to assets | 0.3185% | 5,472 |
| Return on assets (ROA) | 0.4358% | 5,178 |
| Pretax return on assets | 0.5553% | 5,089 |
| Return on Equity (ROE) | 2.5561% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.5561% | 4,418 |
| Net charge-offs to loans | 0.2402% | 1,763 |
| Credit loss provision to net charge-offs | 32.9670% | 3,793 |
| Earnings coverage of net charge-offs (x) | 3.0467% | 3,992 |
| Efficiency ratio | 88.4020% | 958 |
| Assets per employee ($millions) | 3.3907% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 4,794 |
| Loan loss allowance to noncurrent loans | 89.5276% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 3,012 |
| Noncurrent loans to loans | 1.1773% | 2,481 |
| Net loans and leases to total assets | 61.3377% | 3,591 |
| Net loans and leases to deposits | 75.1220% | 3,296 |
| Net loans and leases to core deposits | 77.6302% | 3,550 |
| Total domestic deposits to total assets | 81.6508% | 4,548 |
| Equity capital to assets | 17.4831% | 365 |
| Core capital (leverage) ratio | 16.2800% | 443 |
| Tier 1 risk-based capital ratio | 29.0106% | 565 |
| Total risk-based capital ratio | 30.4640% | 536 |
| Memoranda: | ||
| Average total assets | $244,170,800 | 2,581 |
| Average earning assets | $222,579,400 | 2,603 |
| Average equity | $41,626,000 | 1,724 |
| Average total loans | $151,535,800 | 2,552 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 3,883 |
| Cost of funding earning assets | 0.4824% | 2,931 |
| Net interest margin | 3.4868% | 3,882 |
| Noninterest income to average assets | 0.7596% | 2,052 |
| Noninterest expense to average assets | 3.4749% | 1,512 |
| Loan and lease loss provision to assets | 0.0490% | 3,397 |
| Net operating income to assets | 0.3207% | 5,523 |
| Return on assets (ROA) | 0.4598% | 5,109 |
| Pretax return on assets | 0.5986% | 5,034 |
| Return on Equity (ROE) | 2.7141% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.7141% | 4,659 |
| Net charge-offs to loans | 0.2647% | 1,476 |
| Credit loss provision to net charge-offs | 29.8013% | 3,453 |
| Earnings coverage of net charge-offs (x) | 2.8410% | 3,814 |
| Efficiency ratio | 88.1557% | 988 |
| Assets per employee ($millions) | 3.4767% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 4,846 |
| Loan loss allowance to noncurrent loans | 96.6285% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 3,374 |
| Noncurrent loans to loans | 1.1165% | 2,831 |
| Net loans and leases to total assets | 59.6188% | 3,860 |
| Net loans and leases to deposits | 72.9748% | 3,567 |
| Net loans and leases to core deposits | 75.3727% | 3,824 |
| Total domestic deposits to total assets | 81.6978% | 4,588 |
| Equity capital to assets | 16.9694% | 430 |
| Core capital (leverage) ratio | 16.1037% | 463 |
| Tier 1 risk-based capital ratio | 29.0791% | 574 |
| Total risk-based capital ratio | 30.5648% | 544 |
| Memoranda: | ||
| Average total assets | $245,028,250 | 2,581 |
| Average earning assets | $223,620,250 | 2,599 |
| Average equity | $41,510,250 | 1,737 |
| Average total loans | $152,110,250 | 2,546 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 3,701 |
| Cost of funding earning assets | 0.4898% | 2,929 |
| Net interest margin | 3.5180% | 3,706 |
| Noninterest income to average assets | 0.7683% | 1,969 |
| Noninterest expense to average assets | 3.5463% | 1,395 |
| Loan and lease loss provision to assets | 0.0491% | 3,322 |
| Net operating income to assets | 0.3077% | 5,539 |
| Return on assets (ROA) | 0.4779% | 4,972 |
| Pretax return on assets | 0.6006% | 4,955 |
| Return on Equity (ROE) | 2.8223% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.8223% | 4,407 |
| Net charge-offs to loans | 0.2754% | 1,437 |
| Credit loss provision to net charge-offs | 28.4360% | 3,080 |
| Earnings coverage of net charge-offs (x) | 2.5308% | 3,529 |
| Efficiency ratio | 89.0304% | 989 |
| Assets per employee ($millions) | 3.3813% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 4,928 |
| Loan loss allowance to noncurrent loans | 105.0441% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 3,496 |
| Noncurrent loans to loans | 1.0435% | 3,147 |
| Net loans and leases to total assets | 60.9031% | 3,580 |
| Net loans and leases to deposits | 74.4723% | 3,269 |
| Net loans and leases to core deposits | 77.0531% | 3,532 |
| Total domestic deposits to total assets | 81.7796% | 4,724 |
| Equity capital to assets | 16.8985% | 426 |
| Core capital (leverage) ratio | 16.0860% | 470 |
| Tier 1 risk-based capital ratio | 28.9498% | 582 |
| Total risk-based capital ratio | 30.5320% | 546 |
| Memoranda: | ||
| Average total assets | $244,422,670 | 2,597 |
| Average earning assets | $223,367,670 | 2,608 |
| Average equity | $41,384,330 | 1,735 |
| Average total loans | $153,223,330 | 2,526 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,427 |
| Cost of funding earning assets | 0.5025% | 2,880 |
| Net interest margin | 3.5608% | 3,431 |
| Noninterest income to average assets | 0.7549% | 1,942 |
| Noninterest expense to average assets | 3.3797% | 1,753 |
| Loan and lease loss provision to assets | 0.0493% | 3,107 |
| Net operating income to assets | 0.4079% | 5,086 |
| Return on assets (ROA) | 0.4227% | 5,099 |
| Pretax return on assets | 0.6102% | 4,798 |
| Return on Equity (ROE) | 2.4939% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.4939% | 4,577 |
| Net charge-offs to loans | 0.4966% | 738 |
| Credit loss provision to net charge-offs | 15.7068% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.0314% | 2,963 |
| Efficiency ratio | 84.1179% | 1,660 |
| Assets per employee ($millions) | 3.6831% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 5,202 |
| Loan loss allowance to noncurrent loans | 134.9349% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 3,759 |
| Noncurrent loans to loans | 0.8007% | 3,870 |
| Net loans and leases to total assets | 62.4127% | 3,170 |
| Net loans and leases to deposits | 76.4221% | 2,764 |
| Net loans and leases to core deposits | 79.2716% | 3,061 |
| Total domestic deposits to total assets | 81.6683% | 5,037 |
| Equity capital to assets | 17.0346% | 393 |
| Core capital (leverage) ratio | 16.0706% | 471 |
| Tier 1 risk-based capital ratio | 29.1688% | 566 |
| Total risk-based capital ratio | 30.7854% | 537 |
| Memoranda: | ||
| Average total assets | $243,217,500 | 2,614 |
| Average earning assets | $222,871,000 | 2,629 |
| Average equity | $41,221,000 | 1,733 |
| Average total loans | $153,837,500 | 2,537 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 3,564 |
| Cost of funding earning assets | 0.6259% | 2,429 |
| Net interest margin | 3.5183% | 3,817 |
| Noninterest income to average assets | 0.7378% | 2,345 |
| Noninterest expense to average assets | 3.2684% | 2,223 |
| Loan and lease loss provision to assets | 0.0406% | 4,305 |
| Net operating income to assets | 0.4868% | 4,791 |
| Return on assets (ROA) | 0.6497% | 4,140 |
| Pretax return on assets | 0.8887% | 3,813 |
| Return on Equity (ROE) | 3.9659% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.9659% | 3,377 |
| Net charge-offs to loans | 0.1291% | 3,521 |
| Credit loss provision to net charge-offs | 50.2513% | 3,806 |
| Earnings coverage of net charge-offs (x) | 8.7437% | 2,622 |
| Efficiency ratio | 82.2340% | 1,853 |
| Assets per employee ($millions) | 3.5269% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 4,771 |
| Loan loss allowance to noncurrent loans | 103.7693% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 3,406 |
| Noncurrent loans to loans | 1.1348% | 3,271 |
| Net loans and leases to total assets | 62.6608% | 3,257 |
| Net loans and leases to deposits | 76.5666% | 2,906 |
| Net loans and leases to core deposits | 79.3360% | 3,202 |
| Total domestic deposits to total assets | 81.8383% | 4,932 |
| Equity capital to assets | 16.8619% | 407 |
| Core capital (leverage) ratio | 15.6914% | 509 |
| Tier 1 risk-based capital ratio | 28.5250% | 581 |
| Total risk-based capital ratio | 30.1195% | 556 |
| Memoranda: | ||
| Average total assets | $246,416,800 | 2,563 |
| Average earning assets | $226,699,400 | 2,548 |
| Average equity | $40,369,000 | 1,733 |
| Average total loans | $154,190,800 | 2,500 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,543 |
| Cost of funding earning assets | 0.6472% | 2,382 |
| Net interest margin | 3.5088% | 3,844 |
| Noninterest income to average assets | 0.7579% | 2,329 |
| Noninterest expense to average assets | 3.1280% | 2,574 |
| Loan and lease loss provision to assets | 0.0863% | 3,337 |
| Net operating income to assets | 0.5232% | 4,700 |
| Return on assets (ROA) | 0.5933% | 4,508 |
| Pretax return on assets | 0.8798% | 3,970 |
| Return on Equity (ROE) | 3.6481% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.6481% | 4,099 |
| Net charge-offs to loans | 0.0303% | 4,527 |
| Credit loss provision to net charge-offs | 457.1429% | 583 |
| Earnings coverage of net charge-offs (x) | 45.6242% | 921 |
| Efficiency ratio | 78.4072% | 2,357 |
| Assets per employee ($millions) | 3.7308% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,410 |
| Loan loss allowance to noncurrent loans | 89.9074% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 3,636 |
| Noncurrent loans to loans | 1.4417% | 3,000 |
| Net loans and leases to total assets | 62.1480% | 3,332 |
| Net loans and leases to deposits | 75.7059% | 2,999 |
| Net loans and leases to core deposits | 78.4993% | 3,296 |
| Total domestic deposits to total assets | 82.0913% | 4,893 |
| Equity capital to assets | 16.1944% | 517 |
| Core capital (leverage) ratio | 15.3701% | 582 |
| Tier 1 risk-based capital ratio | 27.6524% | 654 |
| Total risk-based capital ratio | 29.2627% | 620 |
| Memoranda: | ||
| Average total assets | $247,182,750 | 2,571 |
| Average earning assets | $227,649,500 | 2,550 |
| Average equity | $40,202,750 | 1,745 |
| Average total loans | $154,162,500 | 2,510 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 3,373 |
| Cost of funding earning assets | 0.6705% | 2,314 |
| Net interest margin | 3.5282% | 3,663 |
| Noninterest income to average assets | 0.8187% | 2,111 |
| Noninterest expense to average assets | 3.1471% | 2,518 |
| Loan and lease loss provision to assets | 0.0975% | 3,165 |
| Net operating income to assets | 0.5658% | 4,473 |
| Return on assets (ROA) | 0.6140% | 4,394 |
| Pretax return on assets | 0.8918% | 3,940 |
| Return on Equity (ROE) | 3.7696% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.7696% | 3,898 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3917% | 2,561 |
| Assets per employee ($millions) | 3.8329% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,527 |
| Loan loss allowance to noncurrent loans | 99.1715% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 3,976 |
| Noncurrent loans to loans | 1.3072% | 3,372 |
| Net loans and leases to total assets | 62.1895% | 3,257 |
| Net loans and leases to deposits | 75.7689% | 2,911 |
| Net loans and leases to core deposits | 78.5954% | 3,215 |
| Total domestic deposits to total assets | 82.0779% | 5,033 |
| Equity capital to assets | 16.2074% | 501 |
| Core capital (leverage) ratio | 15.4125% | 542 |
| Tier 1 risk-based capital ratio | 27.9026% | 630 |
| Total risk-based capital ratio | 29.4824% | 607 |
| Memoranda: | ||
| Average total assets | $246,256,000 | 2,587 |
| Average earning assets | $226,686,330 | 2,568 |
| Average equity | $40,110,330 | 1,753 |
| Average total loans | $153,087,670 | 2,531 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 3,179 |
| Cost of funding earning assets | 0.6979% | 2,232 |
| Net interest margin | 3.5339% | 3,549 |
| Noninterest income to average assets | 0.5653% | 3,340 |
| Noninterest expense to average assets | 3.1649% | 2,466 |
| Loan and lease loss provision to assets | 0.0980% | 3,052 |
| Net operating income to assets | 0.3942% | 5,152 |
| Return on assets (ROA) | 0.3954% | 5,291 |
| Pretax return on assets | 0.5555% | 5,097 |
| Return on Equity (ROE) | 2.4215% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.4215% | 4,818 |
| Net charge-offs to loans | 0.0079% | 3,990 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 293 |
| Efficiency ratio | 82.9195% | 1,901 |
| Assets per employee ($millions) | 3.7689% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 4,644 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 3,967 |
| Noncurrent loans to loans | 1.4651% | 3,364 |
| Net loans and leases to total assets | 60.6032% | 3,326 |
| Net loans and leases to deposits | 74.0831% | 2,911 |
| Net loans and leases to core deposits | 77.0273% | 3,201 |
| Total domestic deposits to total assets | 81.8044% | 5,268 |
| Equity capital to assets | 16.4060% | 501 |
| Core capital (leverage) ratio | 15.3198% | 541 |
| Tier 1 risk-based capital ratio | 28.2685% | 627 |
| Total risk-based capital ratio | 29.8706% | 593 |
| Memoranda: | ||
| Average total assets | $244,814,000 | 2,635 |
| Average earning assets | $225,247,500 | 2,613 |
| Average equity | $39,976,000 | 1,778 |
| Average total loans | $151,144,500 | 2,568 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 3,486 |
| Cost of funding earning assets | 0.8488% | 2,295 |
| Net interest margin | 3.6309% | 3,961 |
| Noninterest income to average assets | 0.5786% | 3,396 |
| Noninterest expense to average assets | 3.2135% | 2,564 |
| Loan and lease loss provision to assets | 0.1802% | 3,374 |
| Net operating income to assets | 0.3821% | 5,172 |
| Return on assets (ROA) | 0.4123% | 5,305 |
| Pretax return on assets | 0.6007% | 4,994 |
| Return on Equity (ROE) | 2.5683% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.5683% | 4,418 |
| Net charge-offs to loans | 0.4644% | 2,380 |
| Credit loss provision to net charge-offs | 61.4525% | 4,406 |
| Earnings coverage of net charge-offs (x) | 2.5140% | 4,164 |
| Efficiency ratio | 81.3433% | 1,965 |
| Assets per employee ($millions) | 3.8227% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,815 |
| Loan loss allowance to noncurrent loans | 70.4303% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 3,557 |
| Noncurrent loans to loans | 1.7905% | 2,932 |
| Net loans and leases to total assets | 61.2865% | 3,373 |
| Net loans and leases to deposits | 75.1479% | 2,929 |
| Net loans and leases to core deposits | 78.2157% | 3,229 |
| Total domestic deposits to total assets | 81.5545% | 5,242 |
| Equity capital to assets | 16.2521% | 509 |
| Core capital (leverage) ratio | 15.2250% | 540 |
| Tier 1 risk-based capital ratio | 27.6276% | 648 |
| Total risk-based capital ratio | 29.0675% | 624 |
| Memoranda: | ||
| Average total assets | $244,219,400 | 2,585 |
| Average earning assets | $226,800,200 | 2,541 |
| Average equity | $39,208,600 | 1,774 |
| Average total loans | $154,194,000 | 2,513 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 3,612 |
| Cost of funding earning assets | 0.8754% | 2,351 |
| Net interest margin | 3.6305% | 4,096 |
| Noninterest income to average assets | 0.5784% | 3,420 |
| Noninterest expense to average assets | 3.2624% | 2,379 |
| Loan and lease loss provision to assets | 0.1966% | 3,118 |
| Net operating income to assets | 0.3396% | 5,475 |
| Return on assets (ROA) | 0.3370% | 5,687 |
| Pretax return on assets | 0.4976% | 5,473 |
| Return on Equity (ROE) | 2.1056% | 5,995 |
| Retained earnings to average equity (ytd only) | 2.1056% | 5,271 |
| Net charge-offs to loans | 0.5823% | 1,881 |
| Credit loss provision to net charge-offs | 53.2544% | 4,318 |
| Earnings coverage of net charge-offs (x) | 1.8905% | 4,317 |
| Efficiency ratio | 82.3748% | 1,766 |
| Assets per employee ($millions) | 3.7648% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,145 |
| Loan loss allowance to noncurrent loans | 58.2479% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.6395% | 3,125 |
| Noncurrent loans to loans | 2.1102% | 2,714 |
| Net loans and leases to total assets | 61.5708% | 3,468 |
| Net loans and leases to deposits | 75.4187% | 3,077 |
| Net loans and leases to core deposits | 78.5074% | 3,392 |
| Total domestic deposits to total assets | 81.6386% | 5,151 |
| Equity capital to assets | 16.1367% | 581 |
| Core capital (leverage) ratio | 14.9431% | 620 |
| Tier 1 risk-based capital ratio | 27.8619% | 667 |
| Total risk-based capital ratio | 29.3020% | 639 |
| Memoranda: | ||
| Average total assets | $244,111,500 | 2,607 |
| Average earning assets | $227,398,000 | 2,559 |
| Average equity | $39,070,500 | 1,792 |
| Average total loans | $154,779,250 | 2,537 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 3,716 |
| Cost of funding earning assets | 0.9044% | 2,360 |
| Net interest margin | 3.6072% | 4,224 |
| Noninterest income to average assets | 0.6027% | 3,242 |
| Noninterest expense to average assets | 3.2791% | 2,364 |
| Loan and lease loss provision to assets | 0.1968% | 3,117 |
| Net operating income to assets | 0.3310% | 5,495 |
| Return on assets (ROA) | 0.3304% | 5,716 |
| Pretax return on assets | 0.4912% | 5,464 |
| Return on Equity (ROE) | 2.0703% | 6,025 |
| Retained earnings to average equity (ytd only) | 2.0703% | 5,168 |
| Net charge-offs to loans | 0.6854% | 1,615 |
| Credit loss provision to net charge-offs | 45.0281% | 4,149 |
| Earnings coverage of net charge-offs (x) | 1.5760% | 4,208 |
| Efficiency ratio | 82.6410% | 1,794 |
| Assets per employee ($millions) | 3.6427% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,202 |
| Loan loss allowance to noncurrent loans | 45.1475% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.9410% | 2,860 |
| Noncurrent loans to loans | 2.7265% | 2,204 |
| Net loans and leases to total assets | 61.4812% | 3,535 |
| Net loans and leases to deposits | 74.8890% | 3,145 |
| Net loans and leases to core deposits | 78.3407% | 3,463 |
| Total domestic deposits to total assets | 82.0964% | 5,090 |
| Equity capital to assets | 15.8039% | 618 |
| Core capital (leverage) ratio | 14.9855% | 601 |
| Tier 1 risk-based capital ratio | 27.4531% | 689 |
| Total risk-based capital ratio | 28.8336% | 667 |
| Memoranda: | ||
| Average total assets | $243,910,330 | 2,613 |
| Average earning assets | $227,548,000 | 2,553 |
| Average equity | $38,931,000 | 1,787 |
| Average total loans | $155,523,000 | 2,525 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 3,472 |
| Cost of funding earning assets | 0.9284% | 2,454 |
| Net interest margin | 3.6783% | 3,929 |
| Noninterest income to average assets | 0.5421% | 3,616 |
| Noninterest expense to average assets | 3.3420% | 2,163 |
| Loan and lease loss provision to assets | 0.1983% | 2,958 |
| Net operating income to assets | 0.2909% | 5,686 |
| Return on assets (ROA) | 0.2909% | 5,852 |
| Pretax return on assets | 0.4463% | 5,598 |
| Return on Equity (ROE) | 1.8134% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.8134% | 5,338 |
| Net charge-offs to loans | 1.2882% | 789 |
| Credit loss provision to net charge-offs | 23.8569% | 3,722 |
| Earnings coverage of net charge-offs (x) | 0.7753% | 3,946 |
| Efficiency ratio | 83.8308% | 1,708 |
| Assets per employee ($millions) | 3.6617% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,645 |
| Loan loss allowance to noncurrent loans | 41.0443% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.9551% | 2,967 |
| Noncurrent loans to loans | 2.8447% | 2,271 |
| Net loans and leases to total assets | 63.3270% | 2,980 |
| Net loans and leases to deposits | 77.5188% | 2,595 |
| Net loans and leases to core deposits | 81.2063% | 2,928 |
| Total domestic deposits to total assets | 81.6925% | 5,398 |
| Equity capital to assets | 16.1670% | 548 |
| Core capital (leverage) ratio | 15.1555% | 580 |
| Tier 1 risk-based capital ratio | 27.5927% | 676 |
| Total risk-based capital ratio | 29.0525% | 640 |
| Memoranda: | ||
| Average total assets | $242,013,000 | 2,645 |
| Average earning assets | $226,625,000 | 2,577 |
| Average equity | $38,823,000 | 1,789 |
| Average total loans | $156,189,500 | 2,537 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 4,141 |
| Cost of funding earning assets | 1.0333% | 3,134 |
| Net interest margin | 3.6933% | 4,329 |
| Noninterest income to average assets | 0.5853% | 3,249 |
| Noninterest expense to average assets | 3.2849% | 2,571 |
| Loan and lease loss provision to assets | 0.3548% | 2,876 |
| Net operating income to assets | 0.2913% | 5,284 |
| Return on assets (ROA) | 0.3176% | 5,345 |
| Pretax return on assets | 0.4556% | 5,112 |
| Return on Equity (ROE) | 2.0083% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.0083% | 4,785 |
| Net charge-offs to loans | 0.1890% | 4,634 |
| Credit loss provision to net charge-offs | 293.1741% | 808 |
| Earnings coverage of net charge-offs (x) | 6.3857% | 2,530 |
| Efficiency ratio | 80.8937% | 2,175 |
| Assets per employee ($millions) | 3.6720% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,505 |
| Loan loss allowance to noncurrent loans | 46.7563% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 2.2310% | 2,699 |
| Noncurrent loans to loans | 2.9747% | 2,181 |
| Net loans and leases to total assets | 64.0948% | 3,172 |
| Net loans and leases to deposits | 78.8649% | 2,696 |
| Net loans and leases to core deposits | 82.5405% | 3,101 |
| Total domestic deposits to total assets | 81.2717% | 5,370 |
| Equity capital to assets | 15.9167% | 590 |
| Core capital (leverage) ratio | 14.8782% | 624 |
| Tier 1 risk-based capital ratio | 27.3729% | 678 |
| Total risk-based capital ratio | 28.6841% | 655 |
| Memoranda: | ||
| Average total assets | $242,108,400 | 2,611 |
| Average earning assets | $227,629,600 | 2,532 |
| Average equity | $38,290,400 | 1,760 |
| Average total loans | $155,043,800 | 2,565 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 4,293 |
| Cost of funding earning assets | 1.0522% | 3,304 |
| Net interest margin | 3.6850% | 4,405 |
| Noninterest income to average assets | 0.5811% | 3,296 |
| Noninterest expense to average assets | 3.3260% | 2,421 |
| Loan and lease loss provision to assets | 0.1895% | 4,137 |
| Net operating income to assets | 0.3516% | 5,200 |
| Return on assets (ROA) | 0.3702% | 5,313 |
| Pretax return on assets | 0.5586% | 4,939 |
| Return on Equity (ROE) | 2.3443% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.3443% | 4,942 |
| Net charge-offs to loans | 0.2098% | 4,119 |
| Credit loss provision to net charge-offs | 141.5638% | 2,249 |
| Earnings coverage of net charge-offs (x) | 5.3786% | 2,803 |
| Efficiency ratio | 82.1239% | 1,953 |
| Assets per employee ($millions) | 3.5467% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 5,824 |
| Loan loss allowance to noncurrent loans | 32.7639% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 2.3949% | 2,687 |
| Noncurrent loans to loans | 3.4080% | 2,022 |
| Net loans and leases to total assets | 63.3774% | 3,438 |
| Net loans and leases to deposits | 77.9828% | 2,997 |
| Net loans and leases to core deposits | 81.5436% | 3,399 |
| Total domestic deposits to total assets | 81.2709% | 5,350 |
| Equity capital to assets | 15.9050% | 644 |
| Core capital (leverage) ratio | 14.3963% | 792 |
| Tier 1 risk-based capital ratio | 27.8656% | 668 |
| Total risk-based capital ratio | 29.1167% | 651 |
| Memoranda: | ||
| Average total assets | $242,046,750 | 2,623 |
| Average earning assets | $227,584,000 | 2,540 |
| Average equity | $38,219,250 | 1,763 |
| Average total loans | $154,422,750 | 2,599 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 4,262 |
| Cost of funding earning assets | 1.0691% | 3,480 |
| Net interest margin | 3.6874% | 4,323 |
| Noninterest income to average assets | 0.5175% | 3,731 |
| Noninterest expense to average assets | 3.3210% | 2,496 |
| Loan and lease loss provision to assets | 0.1898% | 4,022 |
| Net operating income to assets | 0.3139% | 5,314 |
| Return on assets (ROA) | 0.3417% | 5,343 |
| Pretax return on assets | 0.5158% | 5,007 |
| Return on Equity (ROE) | 2.1691% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.1691% | 4,909 |
| Net charge-offs to loans | 0.2034% | 3,932 |
| Credit loss provision to net charge-offs | 146.4968% | 2,089 |
| Earnings coverage of net charge-offs (x) | 5.1210% | 2,687 |
| Efficiency ratio | 83.2229% | 1,921 |
| Assets per employee ($millions) | 3.5909% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,944 |
| Loan loss allowance to noncurrent loans | 30.2243% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 2.7299% | 2,448 |
| Noncurrent loans to loans | 3.6503% | 1,925 |
| Net loans and leases to total assets | 62.3329% | 3,822 |
| Net loans and leases to deposits | 76.5440% | 3,367 |
| Net loans and leases to core deposits | 79.6954% | 3,830 |
| Total domestic deposits to total assets | 81.4341% | 5,374 |
| Equity capital to assets | 15.7484% | 651 |
| Core capital (leverage) ratio | 14.7838% | 709 |
| Tier 1 risk-based capital ratio | 27.5222% | 694 |
| Total risk-based capital ratio | 28.9380% | 665 |
| Memoranda: | ||
| Average total assets | $242,337,000 | 2,629 |
| Average earning assets | $227,858,000 | 2,554 |
| Average equity | $38,172,670 | 1,757 |
| Average total loans | $154,371,330 | 2,617 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 4,067 |
| Cost of funding earning assets | 1.0872% | 3,607 |
| Net interest margin | 3.7110% | 4,039 |
| Noninterest income to average assets | 0.5020% | 3,866 |
| Noninterest expense to average assets | 3.4199% | 2,225 |
| Loan and lease loss provision to assets | 0.1939% | 3,690 |
| Net operating income to assets | 0.2454% | 5,629 |
| Return on assets (ROA) | 0.2519% | 5,673 |
| Pretax return on assets | 0.3877% | 5,378 |
| Return on Equity (ROE) | 1.5987% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.5987% | 5,154 |
| Net charge-offs to loans | 0.4036% | 2,486 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 2.2115% | 3,212 |
| Efficiency ratio | 85.4296% | 1,783 |
| Assets per employee ($millions) | 3.5998% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 6,295 |
| Loan loss allowance to noncurrent loans | 41.1094% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1428% | 3,138 |
| Noncurrent loans to loans | 2.4977% | 2,988 |
| Net loans and leases to total assets | 63.3860% | 3,566 |
| Net loans and leases to deposits | 77.8571% | 3,079 |
| Net loans and leases to core deposits | 80.6709% | 3,649 |
| Total domestic deposits to total assets | 81.4134% | 5,530 |
| Equity capital to assets | 15.8087% | 606 |
| Core capital (leverage) ratio | 14.7393% | 704 |
| Tier 1 risk-based capital ratio | 27.2002% | 690 |
| Total risk-based capital ratio | 28.5990% | 663 |
| Memoranda: | ||
| Average total assets | $241,413,500 | 2,650 |
| Average earning assets | $227,001,500 | 2,584 |
| Average equity | $38,031,500 | 1,747 |
| Average total loans | $154,604,500 | 2,634 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 4,156 |
| Cost of funding earning assets | 1.2585% | 4,157 |
| Net interest margin | 3.8278% | 3,831 |
| Noninterest income to average assets | 0.6041% | 3,452 |
| Noninterest expense to average assets | 3.3803% | 2,488 |
| Loan and lease loss provision to assets | 0.2096% | 5,154 |
| Net operating income to assets | 0.3654% | 4,693 |
| Return on assets (ROA) | 0.3362% | 4,962 |
| Pretax return on assets | 0.5348% | 4,516 |
| Return on Equity (ROE) | 2.1154% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.1154% | 4,403 |
| Net charge-offs to loans | 0.2230% | 4,951 |
| Credit loss provision to net charge-offs | 150.3049% | 2,406 |
| Earnings coverage of net charge-offs (x) | 5.6646% | 2,569 |
| Efficiency ratio | 80.8155% | 2,305 |
| Assets per employee ($millions) | 3.6066% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 6,146 |
| Loan loss allowance to noncurrent loans | 43.8952% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 3,465 |
| Noncurrent loans to loans | 2.3923% | 3,128 |
| Net loans and leases to total assets | 63.3666% | 3,994 |
| Net loans and leases to deposits | 77.7797% | 3,546 |
| Net loans and leases to core deposits | 80.5985% | 4,117 |
| Total domestic deposits to total assets | 81.4694% | 5,365 |
| Equity capital to assets | 15.6988% | 645 |
| Core capital (leverage) ratio | 14.9288% | 678 |
| Tier 1 risk-based capital ratio | 26.9398% | 676 |
| Total risk-based capital ratio | 28.3254% | 662 |
| Memoranda: | ||
| Average total assets | $235,244,200 | 2,687 |
| Average earning assets | $219,158,000 | 2,644 |
| Average equity | $37,392,200 | 1,768 |
| Average total loans | $147,110,600 | 2,822 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 4,137 |
| Cost of funding earning assets | 1.2942% | 4,253 |
| Net interest margin | 3.8427% | 3,784 |
| Noninterest income to average assets | 0.5963% | 3,462 |
| Noninterest expense to average assets | 3.4034% | 2,281 |
| Loan and lease loss provision to assets | 0.1792% | 5,252 |
| Net operating income to assets | 0.3768% | 4,857 |
| Return on assets (ROA) | 0.4126% | 4,868 |
| Pretax return on assets | 0.6397% | 4,455 |
| Return on Equity (ROE) | 2.5874% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.5874% | 4,610 |
| Net charge-offs to loans | 0.2865% | 4,223 |
| Credit loss provision to net charge-offs | 100.6410% | 4,287 |
| Earnings coverage of net charge-offs (x) | 4.2852% | 3,121 |
| Efficiency ratio | 81.4409% | 2,137 |
| Assets per employee ($millions) | 3.4428% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,469 |
| Loan loss allowance to noncurrent loans | 70.7305% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5540% | 4,117 |
| Noncurrent loans to loans | 1.3902% | 4,540 |
| Net loans and leases to total assets | 62.8849% | 4,351 |
| Net loans and leases to deposits | 76.4098% | 4,101 |
| Net loans and leases to core deposits | 79.2661% | 4,623 |
| Total domestic deposits to total assets | 82.2995% | 4,873 |
| Equity capital to assets | 16.1290% | 649 |
| Core capital (leverage) ratio | 14.9209% | 732 |
| Tier 1 risk-based capital ratio | 27.2685% | 677 |
| Total risk-based capital ratio | 28.4076% | 675 |
| Memoranda: | ||
| Average total assets | $233,644,500 | 2,733 |
| Average earning assets | $217,062,500 | 2,699 |
| Average equity | $37,256,500 | 1,790 |
| Average total loans | $145,201,750 | 2,892 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 4,132 |
| Cost of funding earning assets | 1.3184% | 4,423 |
| Net interest margin | 3.8434% | 3,698 |
| Noninterest income to average assets | 0.6519% | 3,001 |
| Noninterest expense to average assets | 3.4126% | 2,229 |
| Loan and lease loss provision to assets | 0.1790% | 5,079 |
| Net operating income to assets | 0.3994% | 4,759 |
| Return on assets (ROA) | 0.4531% | 4,699 |
| Pretax return on assets | 0.7075% | 4,205 |
| Return on Equity (ROE) | 2.8526% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.8526% | 4,329 |
| Net charge-offs to loans | 0.3013% | 3,808 |
| Credit loss provision to net charge-offs | 96.3134% | 4,229 |
| Earnings coverage of net charge-offs (x) | 4.3180% | 2,994 |
| Efficiency ratio | 80.7153% | 2,341 |
| Assets per employee ($millions) | 3.3981% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 6,450 |
| Loan loss allowance to noncurrent loans | 73.3333% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 4,124 |
| Noncurrent loans to loans | 1.3501% | 4,689 |
| Net loans and leases to total assets | 61.9303% | 4,697 |
| Net loans and leases to deposits | 74.9886% | 4,513 |
| Net loans and leases to core deposits | 77.7932% | 4,987 |
| Total domestic deposits to total assets | 82.5863% | 4,749 |
| Equity capital to assets | 15.9125% | 685 |
| Core capital (leverage) ratio | 14.7939% | 765 |
| Tier 1 risk-based capital ratio | 26.7958% | 713 |
| Total risk-based capital ratio | 27.9203% | 711 |
| Memoranda: | ||
| Average total assets | $233,488,670 | 2,764 |
| Average earning assets | $216,473,000 | 2,724 |
| Average equity | $37,088,670 | 1,799 |
| Average total loans | $144,041,330 | 2,939 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1900% | 4,080 |
| Cost of funding earning assets | 1.3471% | 4,519 |
| Net interest margin | 3.8429% | 3,610 |
| Noninterest income to average assets | 0.5459% | 3,679 |
| Noninterest expense to average assets | 3.3099% | 2,504 |
| Loan and lease loss provision to assets | 0.1785% | 4,738 |
| Net operating income to assets | 0.3917% | 4,873 |
| Return on assets (ROA) | 0.4807% | 4,622 |
| Pretax return on assets | 0.7519% | 4,051 |
| Return on Equity (ROE) | 3.0288% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.0288% | 4,318 |
| Net charge-offs to loans | 0.1625% | 3,946 |
| Credit loss provision to net charge-offs | 179.3103% | 2,039 |
| Earnings coverage of net charge-offs (x) | 7.9483% | 2,014 |
| Efficiency ratio | 80.4521% | 2,498 |
| Assets per employee ($millions) | 3.6449% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 6,267 |
| Loan loss allowance to noncurrent loans | 51.9848% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 4,279 |
| Noncurrent loans to loans | 2.0066% | 3,783 |
| Net loans and leases to total assets | 60.3029% | 5,069 |
| Net loans and leases to deposits | 75.5030% | 4,497 |
| Net loans and leases to core deposits | 78.4116% | 4,975 |
| Total domestic deposits to total assets | 79.8682% | 5,832 |
| Equity capital to assets | 15.7163% | 720 |
| Core capital (leverage) ratio | 15.1743% | 717 |
| Tier 1 risk-based capital ratio | 26.8534% | 719 |
| Total risk-based capital ratio | 28.0525% | 706 |
| Memoranda: | ||
| Average total assets | $232,998,000 | 2,837 |
| Average earning assets | $215,569,000 | 2,795 |
| Average equity | $36,978,000 | 1,820 |
| Average total loans | $142,732,000 | 3,027 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4267% | 4,557 |
| Cost of funding earning assets | 1.6150% | 4,967 |
| Net interest margin | 3.8117% | 3,651 |
| Noninterest income to average assets | 0.5839% | 3,756 |
| Noninterest expense to average assets | 3.5897% | 2,173 |
| Loan and lease loss provision to assets | 0.1167% | 6,480 |
| Net operating income to assets | 0.3206% | 4,450 |
| Return on assets (ROA) | 0.2546% | 4,786 |
| Pretax return on assets | 0.3468% | 4,651 |
| Return on Equity (ROE) | 1.5454% | 5,067 |
| Retained earnings to average equity (ytd only) | 1.5454% | 3,993 |
| Net charge-offs to loans | 0.1843% | 5,503 |
| Credit loss provision to net charge-offs | 107.2034% | 5,166 |
| Earnings coverage of net charge-offs (x) | 5.0890% | 2,690 |
| Efficiency ratio | 86.3646% | 2,070 |
| Assets per employee ($millions) | 3.5243% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 6,195 |
| Loan loss allowance to noncurrent loans | 42.8529% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7413% | 3,756 |
| Noncurrent loans to loans | 2.4148% | 3,144 |
| Net loans and leases to total assets | 60.9529% | 5,200 |
| Net loans and leases to deposits | 73.7595% | 5,087 |
| Net loans and leases to core deposits | 83.7270% | 5,744 |
| Total domestic deposits to total assets | 82.6373% | 4,688 |
| Equity capital to assets | 16.0300% | 697 |
| Core capital (leverage) ratio | 15.1223% | 752 |
| Tier 1 risk-based capital ratio | 26.7219% | 714 |
| Total risk-based capital ratio | 27.8604% | 710 |
| Memoranda: | ||
| Average total assets | $216,816,600 | 2,987 |
| Average earning assets | $202,482,000 | 2,942 |
| Average equity | $35,719,000 | 1,887 |
| Average total loans | $128,035,800 | 3,308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,361 |
| Cost of funding earning assets | 1.6609% | 5,103 |
| Net interest margin | 3.8500% | 3,434 |
| Noninterest income to average assets | 0.6181% | 3,563 |
| Noninterest expense to average assets | 3.5742% | 2,080 |
| Loan and lease loss provision to assets | 0.0543% | 6,832 |
| Net operating income to assets | 0.3876% | 4,450 |
| Return on assets (ROA) | 0.3069% | 4,878 |
| Pretax return on assets | 0.4635% | 4,631 |
| Return on Equity (ROE) | 1.8495% | 5,217 |
| Retained earnings to average equity (ytd only) | 1.8495% | 4,283 |
| Net charge-offs to loans | 0.2415% | 4,543 |
| Credit loss provision to net charge-offs | 38.4956% | 6,437 |
| Earnings coverage of net charge-offs (x) | 4.5398% | 3,103 |
| Efficiency ratio | 84.5471% | 2,236 |
| Assets per employee ($millions) | 3.2880% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,316 |
| Loan loss allowance to noncurrent loans | 39.3665% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9515% | 3,416 |
| Noncurrent loans to loans | 2.5331% | 2,978 |
| Net loans and leases to total assets | 58.8134% | 5,763 |
| Net loans and leases to deposits | 71.4058% | 5,750 |
| Net loans and leases to core deposits | 80.9865% | 6,273 |
| Total domestic deposits to total assets | 82.3650% | 4,515 |
| Equity capital to assets | 16.6381% | 684 |
| Core capital (leverage) ratio | 16.0035% | 674 |
| Tier 1 risk-based capital ratio | 28.5184% | 653 |
| Total risk-based capital ratio | 29.6093% | 647 |
| Memoranda: | ||
| Average total assets | $213,751,500 | 3,038 |
| Average earning assets | $199,650,000 | 2,989 |
| Average equity | $35,468,500 | 1,918 |
| Average total loans | $124,772,500 | 3,408 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5256% | 4,476 |
| Cost of funding earning assets | 1.7113% | 5,217 |
| Net interest margin | 3.8144% | 3,488 |
| Noninterest income to average assets | 0.6230% | 3,516 |
| Noninterest expense to average assets | 3.5553% | 2,179 |
| Loan and lease loss provision to assets | 0.0236% | 6,997 |
| Net operating income to assets | 0.4062% | 4,492 |
| Return on assets (ROA) | 0.2656% | 5,124 |
| Pretax return on assets | 0.3951% | 4,949 |
| Return on Equity (ROE) | 1.6023% | 5,430 |
| Retained earnings to average equity (ytd only) | 1.6023% | 4,437 |
| Net charge-offs to loans | 0.3454% | 3,457 |
| Credit loss provision to net charge-offs | 11.7925% | 6,177 |
| Earnings coverage of net charge-offs (x) | 3.1368% | 3,552 |
| Efficiency ratio | 84.7040% | 2,395 |
| Assets per employee ($millions) | 3.1547% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,280 |
| Loan loss allowance to noncurrent loans | 37.6235% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5758% | 3,858 |
| Noncurrent loans to loans | 2.6485% | 2,733 |
| Net loans and leases to total assets | 57.3746% | 6,051 |
| Net loans and leases to deposits | 69.3620% | 6,056 |
| Net loans and leases to core deposits | 78.3146% | 6,531 |
| Total domestic deposits to total assets | 82.7177% | 4,376 |
| Equity capital to assets | 16.4439% | 762 |
| Core capital (leverage) ratio | 15.7849% | 771 |
| Tier 1 risk-based capital ratio | 28.1732% | 704 |
| Total risk-based capital ratio | 29.2264% | 701 |
| Memoranda: | ||
| Average total assets | $211,570,330 | 3,091 |
| Average earning assets | $197,516,330 | 3,033 |
| Average equity | $35,073,670 | 1,934 |
| Average total loans | $122,740,670 | 3,480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6190% | 4,248 |
| Cost of funding earning assets | 1.7934% | 5,141 |
| Net interest margin | 3.8256% | 3,356 |
| Noninterest income to average assets | 0.6829% | 2,985 |
| Noninterest expense to average assets | 3.6256% | 1,804 |
| Loan and lease loss provision to assets | 0.0058% | 6,716 |
| Net operating income to assets | 0.4016% | 4,852 |
| Return on assets (ROA) | 0.4028% | 5,031 |
| Pretax return on assets | 0.6177% | 4,704 |
| Return on Equity (ROE) | 2.4198% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.4198% | 4,527 |
| Net charge-offs to loans | 0.2479% | 3,166 |
| Credit loss provision to net charge-offs | 4.0000% | 5,229 |
| Earnings coverage of net charge-offs (x) | 4.3200% | 2,910 |
| Efficiency ratio | 85.0949% | 2,184 |
| Assets per employee ($millions) | 3.1916% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 5,169 |
| Loan loss allowance to noncurrent loans | 47.6224% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 3,826 |
| Noncurrent loans to loans | 2.4007% | 2,750 |
| Net loans and leases to total assets | 56.3206% | 6,193 |
| Net loans and leases to deposits | 68.1014% | 6,178 |
| Net loans and leases to core deposits | 77.4791% | 6,573 |
| Total domestic deposits to total assets | 82.7011% | 4,286 |
| Equity capital to assets | 16.5056% | 792 |
| Core capital (leverage) ratio | 15.9477% | 790 |
| Tier 1 risk-based capital ratio | 28.5729% | 714 |
| Total risk-based capital ratio | 29.7659% | 700 |
| Memoranda: | ||
| Average total assets | $208,519,000 | 3,132 |
| Average earning assets | $194,270,000 | 3,091 |
| Average equity | $34,713,500 | 1,961 |
| Average total loans | $121,038,000 | 3,533 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 5,089 |
| Cost of funding earning assets | 2.1099% | 6,010 |
| Net interest margin | 3.9825% | 3,203 |
| Noninterest income to average assets | 0.6163% | 3,735 |
| Noninterest expense to average assets | 3.4247% | 2,595 |
| Loan and lease loss provision to assets | 0.0063% | 7,283 |
| Net operating income to assets | 0.6082% | 4,267 |
| Return on assets (ROA) | 0.5725% | 4,294 |
| Pretax return on assets | 0.8390% | 3,933 |
| Return on Equity (ROE) | 3.4003% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.4003% | 3,030 |
| Net charge-offs to loans | 0.0832% | 5,572 |
| Credit loss provision to net charge-offs | 12.8713% | 6,609 |
| Earnings coverage of net charge-offs (x) | 18.2772% | 1,715 |
| Efficiency ratio | 78.9580% | 2,759 |
| Assets per employee ($millions) | 3.1753% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 4,681 |
| Loan loss allowance to noncurrent loans | 65.3986% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 4,154 |
| Noncurrent loans to loans | 1.8088% | 3,048 |
| Net loans and leases to total assets | 58.4436% | 6,137 |
| Net loans and leases to deposits | 71.1260% | 6,152 |
| Net loans and leases to core deposits | 81.1310% | 6,528 |
| Total domestic deposits to total assets | 82.1691% | 4,136 |
| Equity capital to assets | 16.7926% | 797 |
| Core capital (leverage) ratio | 16.0789% | 810 |
| Tier 1 risk-based capital ratio | 27.6093% | 784 |
| Total risk-based capital ratio | 28.8189% | 769 |
| Memoranda: | ||
| Average total assets | $205,595,600 | 3,058 |
| Average earning assets | $191,339,200 | 3,022 |
| Average equity | $34,614,600 | 1,964 |
| Average total loans | $121,456,000 | 3,433 |