Home > Millville Savings Bank > Performance and Condition Ratios
Millville Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 4,342 |
| Cost of funding earning assets | 0.8937% | 4,078 |
| Net interest margin | 2.9436% | 3,495 |
| Noninterest income to average assets | 0.2200% | 3,425 |
| Noninterest expense to average assets | 2.6149% | 1,985 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.2958% | 3,866 |
| Return on assets (ROA) | 0.3225% | 3,857 |
| Pretax return on assets | 0.3925% | 3,844 |
| Return on Equity (ROE) | 2.9200% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.9191% | 3,112 |
| Net charge-offs to loans | 0.0244% | 1,499 |
| Credit loss provision to net charge-offs | 175.0000% | 961 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,119 |
| Efficiency ratio | 87.3851% | 595 |
| Assets per employee ($millions) | 8.0464% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1053% | 335 |
| Loan loss allowance to noncurrent loans | 3,111.3636% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,517 |
| Noncurrent loans to loans | 0.0677% | 3,338 |
| Net loans and leases to total assets | 39.5600% | 3,994 |
| Net loans and leases to deposits | 44.7287% | 4,026 |
| Net loans and leases to core deposits | 46.0545% | 4,062 |
| Total domestic deposits to total assets | 88.4400% | 1,403 |
| Equity capital to assets | 11.2087% | 1,554 |
| Core capital (leverage) ratio | 13.8988% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1608% | 251 |
| Memoranda: | ||
| Average total assets | $160,008,000 | 3,292 |
| Average earning assets | $150,836,000 | 3,267 |
| Average equity | $17,676,500 | 3,168 |
| Average total loans | $65,527,500 | 3,640 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 4,304 |
| Cost of funding earning assets | 0.9247% | 4,087 |
| Net interest margin | 3.0248% | 3,108 |
| Noninterest income to average assets | 0.1500% | 3,997 |
| Noninterest expense to average assets | 2.4387% | 2,487 |
| Loan and lease loss provision to assets | -0.1100% | 4,376 |
| Net operating income to assets | 0.5982% | 3,235 |
| Return on assets (ROA) | 0.5967% | 3,255 |
| Pretax return on assets | 0.7267% | 3,199 |
| Return on Equity (ROE) | 5.5900% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.5945% | 1,986 |
| Net charge-offs to loans | -0.0251% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 79.8920% | 1,053 |
| Assets per employee ($millions) | 7.9544% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0688% | 323 |
| Loan loss allowance to noncurrent loans | 1,042.7481% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,099 |
| Noncurrent loans to loans | 0.1984% | 2,728 |
| Net loans and leases to total assets | 40.6500% | 3,988 |
| Net loans and leases to deposits | 45.8414% | 4,027 |
| Net loans and leases to core deposits | 46.7461% | 4,072 |
| Total domestic deposits to total assets | 88.6700% | 1,273 |
| Equity capital to assets | 10.8839% | 1,638 |
| Core capital (leverage) ratio | 14.0568% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6738% | 261 |
| Memoranda: | ||
| Average total assets | $157,707,800 | 3,293 |
| Average earning assets | $151,513,400 | 3,239 |
| Average equity | $16,820,000 | 3,196 |
| Average total loans | $59,737,800 | 3,694 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,361 |
| Cost of funding earning assets | 0.9278% | 4,102 |
| Net interest margin | 2.9018% | 3,285 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 2.4588% | 2,373 |
| Loan and lease loss provision to assets | -0.1800% | 4,445 |
| Net operating income to assets | 0.4875% | 3,496 |
| Return on assets (ROA) | 0.5016% | 3,488 |
| Pretax return on assets | 0.6736% | 3,327 |
| Return on Equity (ROE) | 4.7300% | 3,588 |
| Retained earnings to average equity (ytd only) | 4.7275% | 2,567 |
| Net charge-offs to loans | 0.0183% | 2,010 |
| Credit loss provision to net charge-offs | -2,587.5000% | 4,513 |
| Earnings coverage of net charge-offs (x) | 70.8750% | 998 |
| Efficiency ratio | 83.6552% | 836 |
| Assets per employee ($millions) | 8.2614% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 330 |
| Loan loss allowance to noncurrent loans | 665.1515% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 2,861 |
| Noncurrent loans to loans | 0.3168% | 2,336 |
| Net loans and leases to total assets | 38.9800% | 4,058 |
| Net loans and leases to deposits | 44.2436% | 4,097 |
| Net loans and leases to core deposits | 45.3824% | 4,141 |
| Total domestic deposits to total assets | 88.1000% | 1,214 |
| Equity capital to assets | 11.4184% | 1,516 |
| Core capital (leverage) ratio | 13.8882% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2389% | 232 |
| Memoranda: | ||
| Average total assets | $157,362,750 | 3,293 |
| Average earning assets | $151,901,000 | 3,242 |
| Average equity | $16,696,250 | 3,210 |
| Average total loans | $58,165,000 | 3,725 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 4,372 |
| Cost of funding earning assets | 0.9401% | 4,083 |
| Net interest margin | 2.8717% | 3,299 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 2.4166% | 2,469 |
| Loan and lease loss provision to assets | -0.2700% | 4,479 |
| Net operating income to assets | 0.5602% | 3,282 |
| Return on assets (ROA) | 0.5562% | 3,328 |
| Pretax return on assets | 0.7594% | 3,093 |
| Return on Equity (ROE) | 5.3800% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.3784% | 2,218 |
| Net charge-offs to loans | 0.0247% | 1,664 |
| Credit loss provision to net charge-offs | -3,042.8571% | 4,544 |
| Earnings coverage of net charge-offs (x) | 55.5714% | 1,053 |
| Efficiency ratio | 83.0279% | 921 |
| Assets per employee ($millions) | 8.3128% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 330 |
| Loan loss allowance to noncurrent loans | 633.3333% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,778 |
| Noncurrent loans to loans | 0.3353% | 2,184 |
| Net loans and leases to total assets | 38.2500% | 4,089 |
| Net loans and leases to deposits | 42.8987% | 4,141 |
| Net loans and leases to core deposits | 43.6617% | 4,172 |
| Total domestic deposits to total assets | 89.1700% | 953 |
| Equity capital to assets | 10.4227% | 1,851 |
| Core capital (leverage) ratio | 13.6939% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0943% | 241 |
| Memoranda: | ||
| Average total assets | $157,495,000 | 3,304 |
| Average earning assets | $152,106,000 | 3,246 |
| Average equity | $16,287,333 | 3,223 |
| Average total loans | $56,721,000 | 3,755 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,427 |
| Cost of funding earning assets | 0.9637% | 4,021 |
| Net interest margin | 2.6856% | 3,595 |
| Noninterest income to average assets | 0.1300% | 4,079 |
| Noninterest expense to average assets | 2.4086% | 2,495 |
| Loan and lease loss provision to assets | -0.6200% | 4,570 |
| Net operating income to assets | 0.6668% | 2,951 |
| Return on assets (ROA) | 0.6587% | 3,009 |
| Pretax return on assets | 0.9233% | 2,606 |
| Return on Equity (ROE) | 6.4000% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.3951% | 1,987 |
| Net charge-offs to loans | 0.0221% | 1,405 |
| Credit loss provision to net charge-offs | -8,066.6667% | 4,585 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,032 |
| Efficiency ratio | 88.3396% | 661 |
| Assets per employee ($millions) | 8.2740% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3681% | 229 |
| Loan loss allowance to noncurrent loans | 593.5484% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 2,711 |
| Noncurrent loans to loans | 0.3990% | 1,939 |
| Net loans and leases to total assets | 33.7800% | 4,200 |
| Net loans and leases to deposits | 37.7869% | 4,229 |
| Net loans and leases to core deposits | 38.3173% | 4,297 |
| Total domestic deposits to total assets | 89.3900% | 993 |
| Equity capital to assets | 10.2458% | 1,868 |
| Core capital (leverage) ratio | 13.8041% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2557% | 213 |
| Memoranda: | ||
| Average total assets | $157,270,500 | 3,315 |
| Average earning assets | $151,922,000 | 3,258 |
| Average equity | $16,200,000 | 3,236 |
| Average total loans | $54,216,500 | 3,798 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 4,390 |
| Cost of funding earning assets | 0.6043% | 4,063 |
| Net interest margin | 2.9066% | 3,470 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.4323% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4454% | 3,775 |
| Return on assets (ROA) | 0.4448% | 3,781 |
| Pretax return on assets | 0.5180% | 3,774 |
| Return on Equity (ROE) | 4.6500% | 3,785 |
| Retained earnings to average equity (ytd only) | 4.6501% | 2,735 |
| Net charge-offs to loans | 0.0272% | 1,773 |
| Credit loss provision to net charge-offs | 26.6667% | 2,286 |
| Earnings coverage of net charge-offs (x) | 54.7333% | 1,239 |
| Efficiency ratio | 82.3175% | 760 |
| Assets per employee ($millions) | 8.7408% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8366% | 140 |
| Loan loss allowance to noncurrent loans | 110.9262% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 572 |
| Noncurrent loans to loans | 2.5572% | 189 |
| Net loans and leases to total assets | 33.3700% | 4,226 |
| Net loans and leases to deposits | 37.3830% | 4,248 |
| Net loans and leases to core deposits | 38.0772% | 4,313 |
| Total domestic deposits to total assets | 89.2800% | 983 |
| Equity capital to assets | 10.3556% | 1,809 |
| Core capital (leverage) ratio | 13.8312% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8701% | 207 |
| Memoranda: | ||
| Average total assets | $157,136,800 | 3,300 |
| Average earning assets | $151,586,200 | 3,238 |
| Average equity | $15,032,000 | 3,262 |
| Average total loans | $55,192,400 | 3,772 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 4,390 |
| Cost of funding earning assets | 0.5034% | 4,129 |
| Net interest margin | 2.9885% | 3,358 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.4665% | 2,328 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4368% | 3,897 |
| Return on assets (ROA) | 0.4227% | 3,917 |
| Pretax return on assets | 0.5441% | 3,835 |
| Return on Equity (ROE) | 4.5100% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.5118% | 3,098 |
| Net charge-offs to loans | 0.0216% | 1,673 |
| Credit loss provision to net charge-offs | 44.4444% | 1,920 |
| Earnings coverage of net charge-offs (x) | 74.2222% | 1,088 |
| Efficiency ratio | 81.3095% | 777 |
| Assets per employee ($millions) | 8.6039% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8971% | 131 |
| Loan loss allowance to noncurrent loans | 104.4158% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 564 |
| Noncurrent loans to loans | 2.7746% | 163 |
| Net loans and leases to total assets | 33.2600% | 4,260 |
| Net loans and leases to deposits | 36.7486% | 4,277 |
| Net loans and leases to core deposits | 37.7603% | 4,298 |
| Total domestic deposits to total assets | 90.5200% | 801 |
| Equity capital to assets | 9.0960% | 2,367 |
| Core capital (leverage) ratio | 13.7018% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0771% | 232 |
| Memoranda: | ||
| Average total assets | $157,087,250 | 3,310 |
| Average earning assets | $151,510,750 | 3,250 |
| Average equity | $14,716,750 | 3,289 |
| Average total loans | $55,479,750 | 3,774 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 4,325 |
| Cost of funding earning assets | 0.4070% | 4,155 |
| Net interest margin | 3.1167% | 3,180 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.4850% | 2,246 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4995% | 3,809 |
| Return on assets (ROA) | 0.5006% | 3,815 |
| Pretax return on assets | 0.6666% | 3,669 |
| Return on Equity (ROE) | 5.2900% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.2925% | 2,863 |
| Net charge-offs to loans | 0.0284% | 1,317 |
| Credit loss provision to net charge-offs | 50.0000% | 1,670 |
| Earnings coverage of net charge-offs (x) | 66.3750% | 1,136 |
| Efficiency ratio | 78.6918% | 949 |
| Assets per employee ($millions) | 8.6002% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7537% | 162 |
| Loan loss allowance to noncurrent loans | 103.8462% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 502 |
| Noncurrent loans to loans | 2.6517% | 173 |
| Net loans and leases to total assets | 35.1100% | 4,207 |
| Net loans and leases to deposits | 38.9875% | 4,236 |
| Net loans and leases to core deposits | 39.6902% | 4,267 |
| Total domestic deposits to total assets | 90.0500% | 913 |
| Equity capital to assets | 9.6400% | 2,070 |
| Core capital (leverage) ratio | 13.5145% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7548% | 245 |
| Memoranda: | ||
| Average total assets | $157,826,333 | 3,317 |
| Average earning assets | $152,341,000 | 3,252 |
| Average equity | $14,926,667 | 3,278 |
| Average total loans | $56,288,667 | 3,774 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2666% | 4,459 |
| Cost of funding earning assets | 0.3430% | 4,099 |
| Net interest margin | 2.9236% | 3,753 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.4526% | 2,361 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3983% | 4,092 |
| Return on assets (ROA) | 0.4142% | 4,010 |
| Pretax return on assets | 0.5297% | 3,952 |
| Return on Equity (ROE) | 4.4200% | 3,967 |
| Retained earnings to average equity (ytd only) | 4.4211% | 3,149 |
| Net charge-offs to loans | 0.0496% | 873 |
| Credit loss provision to net charge-offs | 71.4286% | 1,242 |
| Earnings coverage of net charge-offs (x) | 29.7143% | 1,309 |
| Efficiency ratio | 82.4473% | 678 |
| Assets per employee ($millions) | 8.8678% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7069% | 175 |
| Loan loss allowance to noncurrent loans | 105.0443% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 478 |
| Noncurrent loans to loans | 2.5769% | 183 |
| Net loans and leases to total assets | 34.7000% | 4,237 |
| Net loans and leases to deposits | 38.5282% | 4,264 |
| Net loans and leases to core deposits | 39.7915% | 4,276 |
| Total domestic deposits to total assets | 90.0600% | 1,138 |
| Equity capital to assets | 9.7500% | 1,964 |
| Core capital (leverage) ratio | 13.1419% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7500% | 267 |
| Memoranda: | ||
| Average total assets | $159,338,000 | 3,345 |
| Average earning assets | $153,921,500 | 3,279 |
| Average equity | $14,928,500 | 3,311 |
| Average total loans | $56,489,000 | 3,816 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7194% | 4,392 |
| Cost of funding earning assets | 0.1567% | 4,086 |
| Net interest margin | 2.5627% | 4,219 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.1927% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4366% | 4,198 |
| Return on assets (ROA) | 0.3749% | 4,240 |
| Pretax return on assets | 0.3768% | 4,304 |
| Return on Equity (ROE) | 3.6500% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6504% | 3,522 |
| Net charge-offs to loans | -0.0509% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.3132% | 520 |
| Assets per employee ($millions) | 8.3714% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9402% | 125 |
| Loan loss allowance to noncurrent loans | 402.9340% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 1,875 |
| Noncurrent loans to loans | 0.7297% | 1,029 |
| Net loans and leases to total assets | 34.2000% | 4,280 |
| Net loans and leases to deposits | 37.6863% | 4,301 |
| Net loans and leases to core deposits | 38.8469% | 4,308 |
| Total domestic deposits to total assets | 90.7600% | 1,035 |
| Equity capital to assets | 8.9868% | 2,366 |
| Core capital (leverage) ratio | 13.0959% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2209% | 258 |
| Memoranda: | ||
| Average total assets | $157,115,800 | 3,372 |
| Average earning assets | $151,283,200 | 3,316 |
| Average equity | $16,135,000 | 3,264 |
| Average total loans | $54,993,400 | 3,827 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5859% | 4,403 |
| Cost of funding earning assets | 0.1371% | 3,966 |
| Net interest margin | 2.4488% | 4,261 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.1332% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3832% | 4,265 |
| Return on assets (ROA) | 0.3124% | 4,327 |
| Pretax return on assets | 0.3158% | 4,359 |
| Return on Equity (ROE) | 2.9500% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.9486% | 3,785 |
| Net charge-offs to loans | -0.0780% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.6336% | 510 |
| Assets per employee ($millions) | 8.6133% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9958% | 133 |
| Loan loss allowance to noncurrent loans | 481.6327% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 2,130 |
| Noncurrent loans to loans | 0.6220% | 1,306 |
| Net loans and leases to total assets | 34.5000% | 4,286 |
| Net loans and leases to deposits | 37.9290% | 4,305 |
| Net loans and leases to core deposits | 37.9290% | 4,346 |
| Total domestic deposits to total assets | 90.9600% | 1,257 |
| Equity capital to assets | 8.8229% | 2,334 |
| Core capital (leverage) ratio | 12.8834% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6954% | 276 |
| Memoranda: | ||
| Average total assets | $156,630,750 | 3,398 |
| Average earning assets | $150,710,000 | 3,343 |
| Average equity | $16,595,250 | 3,267 |
| Average total loans | $54,729,250 | 3,844 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4315% | 4,438 |
| Cost of funding earning assets | 0.1374% | 3,744 |
| Net interest margin | 2.2941% | 4,339 |
| Noninterest income to average assets | 0.1642% | 4,189 |
| Noninterest expense to average assets | 2.0756% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3423% | 4,217 |
| Return on assets (ROA) | 0.2736% | 4,282 |
| Pretax return on assets | 0.2303% | 4,376 |
| Return on Equity (ROE) | 2.4477% | 4,305 |
| Retained earnings to average equity (ytd only) | 2.4477% | 3,632 |
| Net charge-offs to loans | 0.0403% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.3636% | 1,528 |
| Efficiency ratio | 87.4062% | 517 |
| Assets per employee ($millions) | 8.2525% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9328% | 149 |
| Loan loss allowance to noncurrent loans | 377.0492% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 1,951 |
| Noncurrent loans to loans | 0.7778% | 1,100 |
| Net loans and leases to total assets | 33.9841% | 4,337 |
| Net loans and leases to deposits | 37.7094% | 4,347 |
| Net loans and leases to core deposits | 37.7094% | 4,392 |
| Total domestic deposits to total assets | 90.1210% | 1,665 |
| Equity capital to assets | 9.7368% | 1,859 |
| Core capital (leverage) ratio | 12.7316% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5096% | 257 |
| Memoranda: | ||
| Average total assets | $157,161,000 | 3,438 |
| Average earning assets | $151,429,000 | 3,384 |
| Average equity | $17,567,333 | 3,268 |
| Average total loans | $54,591,000 | 3,883 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3206% | 4,444 |
| Cost of funding earning assets | 0.1343% | 3,711 |
| Net interest margin | 2.1863% | 4,364 |
| Noninterest income to average assets | 0.1703% | 4,148 |
| Noninterest expense to average assets | 2.0770% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2263% | 4,289 |
| Return on assets (ROA) | 0.1449% | 4,380 |
| Pretax return on assets | 0.1220% | 4,419 |
| Return on Equity (ROE) | 1.2181% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.2181% | 3,771 |
| Net charge-offs to loans | 0.0147% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,007 |
| Efficiency ratio | 91.0814% | 502 |
| Assets per employee ($millions) | 8.7309% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9403% | 167 |
| Loan loss allowance to noncurrent loans | 95.5700% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 445 |
| Noncurrent loans to loans | 3.0766% | 167 |
| Net loans and leases to total assets | 33.9851% | 4,309 |
| Net loans and leases to deposits | 38.2983% | 4,313 |
| Net loans and leases to core deposits | 38.4151% | 4,359 |
| Total domestic deposits to total assets | 88.7380% | 2,193 |
| Equity capital to assets | 11.0450% | 1,312 |
| Core capital (leverage) ratio | 12.5990% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9073% | 269 |
| Memoranda: | ||
| Average total assets | $157,343,000 | 3,446 |
| Average earning assets | $151,856,500 | 3,390 |
| Average equity | $18,717,500 | 3,259 |
| Average total loans | $54,438,500 | 3,892 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4069% | 4,535 |
| Cost of funding earning assets | 0.1641% | 3,832 |
| Net interest margin | 2.2428% | 4,462 |
| Noninterest income to average assets | 0.1522% | 4,389 |
| Noninterest expense to average assets | 2.1124% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1886% | 4,549 |
| Return on assets (ROA) | 0.2432% | 4,505 |
| Pretax return on assets | 0.2722% | 4,518 |
| Return on Equity (ROE) | 1.8220% | 4,521 |
| Retained earnings to average equity (ytd only) | 1.8220% | 4,034 |
| Net charge-offs to loans | 0.2023% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.9358% | 2,565 |
| Efficiency ratio | 90.9220% | 296 |
| Assets per employee ($millions) | 8.2910% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0084% | 146 |
| Loan loss allowance to noncurrent loans | 100.0618% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 524 |
| Noncurrent loans to loans | 3.0066% | 196 |
| Net loans and leases to total assets | 33.1552% | 4,401 |
| Net loans and leases to deposits | 38.1284% | 4,393 |
| Net loans and leases to core deposits | 38.3163% | 4,448 |
| Total domestic deposits to total assets | 86.9567% | 2,538 |
| Equity capital to assets | 12.7450% | 978 |
| Core capital (leverage) ratio | 12.5289% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7472% | 285 |
| Memoranda: | ||
| Average total assets | $151,726,400 | 3,468 |
| Average earning assets | $146,870,000 | 3,405 |
| Average equity | $20,252,800 | 3,191 |
| Average total loans | $53,889,000 | 3,933 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4182% | 4,617 |
| Cost of funding earning assets | 0.1695% | 3,926 |
| Net interest margin | 2.2487% | 4,530 |
| Noninterest income to average assets | 0.1491% | 4,449 |
| Noninterest expense to average assets | 2.1249% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1786% | 4,643 |
| Return on assets (ROA) | 0.2378% | 4,614 |
| Pretax return on assets | 0.2679% | 4,617 |
| Return on Equity (ROE) | 1.7605% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.7605% | 4,258 |
| Net charge-offs to loans | 0.2993% | 265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.8760% | 2,368 |
| Efficiency ratio | 91.3425% | 291 |
| Assets per employee ($millions) | 8.6065% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9292% | 165 |
| Loan loss allowance to noncurrent loans | 96.5207% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 587 |
| Noncurrent loans to loans | 3.0348% | 216 |
| Net loans and leases to total assets | 34.4184% | 4,450 |
| Net loans and leases to deposits | 39.7513% | 4,458 |
| Net loans and leases to core deposits | 39.9511% | 4,515 |
| Total domestic deposits to total assets | 86.5844% | 2,512 |
| Equity capital to assets | 13.1535% | 939 |
| Core capital (leverage) ratio | 12.7848% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7713% | 310 |
| Memoranda: | ||
| Average total assets | $150,275,750 | 3,516 |
| Average earning assets | $145,501,750 | 3,456 |
| Average equity | $20,296,750 | 3,221 |
| Average total loans | $53,899,000 | 3,982 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4366% | 4,656 |
| Cost of funding earning assets | 0.1778% | 3,971 |
| Net interest margin | 2.2588% | 4,556 |
| Noninterest income to average assets | 0.1546% | 4,424 |
| Noninterest expense to average assets | 2.1058% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2074% | 4,625 |
| Return on assets (ROA) | 0.2689% | 4,578 |
| Pretax return on assets | 0.3053% | 4,584 |
| Return on Equity (ROE) | 1.9734% | 4,599 |
| Retained earnings to average equity (ytd only) | 1.9734% | 4,119 |
| Net charge-offs to loans | 0.2614% | 340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,119 |
| Efficiency ratio | 89.9483% | 346 |
| Assets per employee ($millions) | 8.4083% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0174% | 150 |
| Loan loss allowance to noncurrent loans | 98.2238% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 644 |
| Noncurrent loans to loans | 3.0720% | 231 |
| Net loans and leases to total assets | 35.2312% | 4,487 |
| Net loans and leases to deposits | 40.8154% | 4,497 |
| Net loans and leases to core deposits | 41.1902% | 4,551 |
| Total domestic deposits to total assets | 86.3184% | 2,616 |
| Equity capital to assets | 13.4345% | 834 |
| Core capital (leverage) ratio | 13.0210% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8480% | 307 |
| Memoranda: | ||
| Average total assets | $148,728,667 | 3,537 |
| Average earning assets | $143,969,000 | 3,478 |
| Average equity | $20,270,000 | 3,221 |
| Average total loans | $53,555,667 | 4,015 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4561% | 4,677 |
| Cost of funding earning assets | 0.1872% | 4,026 |
| Net interest margin | 2.2689% | 4,553 |
| Noninterest income to average assets | 0.1519% | 4,442 |
| Noninterest expense to average assets | 2.0513% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2756% | 4,549 |
| Return on assets (ROA) | 0.2361% | 4,628 |
| Pretax return on assets | 0.2605% | 4,636 |
| Return on Equity (ROE) | 1.7195% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.7195% | 4,071 |
| Net charge-offs to loans | 0.0151% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 854 |
| Efficiency ratio | 87.0968% | 476 |
| Assets per employee ($millions) | 7.8650% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2528% | 120 |
| Loan loss allowance to noncurrent loans | 100.6410% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1483% | 664 |
| Noncurrent loans to loans | 3.2321% | 231 |
| Net loans and leases to total assets | 34.3728% | 4,565 |
| Net loans and leases to deposits | 39.7537% | 4,575 |
| Net loans and leases to core deposits | 40.1220% | 4,616 |
| Total domestic deposits to total assets | 86.4643% | 2,543 |
| Equity capital to assets | 13.3048% | 831 |
| Core capital (leverage) ratio | 13.2842% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6413% | 280 |
| Memoranda: | ||
| Average total assets | $147,418,500 | 3,550 |
| Average earning assets | $143,152,500 | 3,486 |
| Average equity | $20,238,500 | 3,223 |
| Average total loans | $52,843,000 | 4,040 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9169% | 4,697 |
| Cost of funding earning assets | 0.2988% | 4,153 |
| Net interest margin | 2.6181% | 4,478 |
| Noninterest income to average assets | 0.1464% | 4,565 |
| Noninterest expense to average assets | 2.2996% | 3,399 |
| Loan and lease loss provision to assets | 0.0474% | 3,805 |
| Net operating income to assets | 0.2541% | 4,497 |
| Return on assets (ROA) | 0.3488% | 4,421 |
| Pretax return on assets | 0.4536% | 4,345 |
| Return on Equity (ROE) | 2.4429% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.4429% | 3,637 |
| Net charge-offs to loans | -0.1501% | 4,865 |
| Credit loss provision to net charge-offs | -83.5443% | 3,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7831% | 538 |
| Assets per employee ($millions) | 7.6527% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2874% | 114 |
| Loan loss allowance to noncurrent loans | 659.9237% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,381 |
| Noncurrent loans to loans | 0.4982% | 2,479 |
| Net loans and leases to total assets | 34.9823% | 4,613 |
| Net loans and leases to deposits | 40.9156% | 4,638 |
| Net loans and leases to core deposits | 41.3083% | 4,669 |
| Total domestic deposits to total assets | 85.4988% | 2,570 |
| Equity capital to assets | 14.1642% | 757 |
| Core capital (leverage) ratio | 13.4959% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5752% | 273 |
| Memoranda: | ||
| Average total assets | $139,329,600 | 3,520 |
| Average earning assets | $134,870,200 | 3,447 |
| Average equity | $19,894,400 | 3,198 |
| Average total loans | $52,622,200 | 4,054 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9989% | 4,732 |
| Cost of funding earning assets | 0.3222% | 4,205 |
| Net interest margin | 2.6767% | 4,491 |
| Noninterest income to average assets | 0.1471% | 4,565 |
| Noninterest expense to average assets | 2.3094% | 3,400 |
| Loan and lease loss provision to assets | 0.0639% | 3,541 |
| Net operating income to assets | 0.3022% | 4,445 |
| Return on assets (ROA) | 0.3512% | 4,413 |
| Pretax return on assets | 0.4209% | 4,406 |
| Return on Equity (ROE) | 2.4544% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.4544% | 3,761 |
| Net charge-offs to loans | -0.1951% | 4,925 |
| Credit loss provision to net charge-offs | -85.7143% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4358% | 578 |
| Assets per employee ($millions) | 7.5406% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2896% | 110 |
| Loan loss allowance to noncurrent loans | 644.4030% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,500 |
| Noncurrent loans to loans | 0.5105% | 2,523 |
| Net loans and leases to total assets | 35.4375% | 4,702 |
| Net loans and leases to deposits | 41.5109% | 4,707 |
| Net loans and leases to core deposits | 42.2343% | 4,741 |
| Total domestic deposits to total assets | 85.3691% | 2,290 |
| Equity capital to assets | 14.2924% | 790 |
| Core capital (leverage) ratio | 13.5130% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7266% | 284 |
| Memoranda: | ||
| Average total assets | $137,811,500 | 3,530 |
| Average earning assets | $133,245,500 | 3,455 |
| Average equity | $19,719,250 | 3,214 |
| Average total loans | $52,629,250 | 4,073 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0345% | 4,826 |
| Cost of funding earning assets | 0.3378% | 4,323 |
| Net interest margin | 2.6967% | 4,557 |
| Noninterest income to average assets | 0.1485% | 4,567 |
| Noninterest expense to average assets | 2.3884% | 3,289 |
| Loan and lease loss provision to assets | 0.0956% | 3,078 |
| Net operating income to assets | 0.2228% | 4,541 |
| Return on assets (ROA) | 0.2662% | 4,514 |
| Pretax return on assets | 0.3236% | 4,509 |
| Return on Equity (ROE) | 1.8596% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.8596% | 3,810 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7058% | 511 |
| Assets per employee ($millions) | 7.4833% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1825% | 119 |
| Loan loss allowance to noncurrent loans | 606.2500% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 3,577 |
| Noncurrent loans to loans | 0.5250% | 2,589 |
| Net loans and leases to total assets | 35.2822% | 4,742 |
| Net loans and leases to deposits | 41.3354% | 4,762 |
| Net loans and leases to core deposits | 42.0593% | 4,795 |
| Total domestic deposits to total assets | 85.3561% | 2,253 |
| Equity capital to assets | 14.2648% | 789 |
| Core capital (leverage) ratio | 13.8551% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6787% | 288 |
| Memoranda: | ||
| Average total assets | $135,991,333 | 3,531 |
| Average earning assets | $131,420,333 | 3,458 |
| Average equity | $19,466,667 | 3,225 |
| Average total loans | $52,672,667 | 4,088 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2444% | 4,846 |
| Cost of funding earning assets | 0.3494% | 4,518 |
| Net interest margin | 2.8950% | 4,436 |
| Noninterest income to average assets | 0.1595% | 4,577 |
| Noninterest expense to average assets | 2.4862% | 3,317 |
| Loan and lease loss provision to assets | 0.1655% | 1,763 |
| Net operating income to assets | 0.2461% | 4,454 |
| Return on assets (ROA) | 0.2980% | 4,374 |
| Pretax return on assets | 0.3642% | 4,359 |
| Return on Equity (ROE) | 2.0778% | 4,430 |
| Retained earnings to average equity (ytd only) | 2.0778% | 3,423 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1998% | 814 |
| Assets per employee ($millions) | 7.4054% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0963% | 140 |
| Loan loss allowance to noncurrent loans | 591.6968% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 3,645 |
| Noncurrent loans to loans | 0.5233% | 2,692 |
| Net loans and leases to total assets | 38.4825% | 4,714 |
| Net loans and leases to deposits | 45.0843% | 4,741 |
| Net loans and leases to core deposits | 45.9247% | 4,776 |
| Total domestic deposits to total assets | 85.3568% | 2,262 |
| Equity capital to assets | 14.2389% | 991 |
| Core capital (leverage) ratio | 14.3345% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8545% | 309 |
| Memoranda: | ||
| Average total assets | $132,896,000 | 3,551 |
| Average earning assets | $128,220,500 | 3,467 |
| Average equity | $19,059,000 | 3,268 |
| Average total loans | $53,102,000 | 4,089 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 4,918 |
| Cost of funding earning assets | 0.3435% | 4,618 |
| Net interest margin | 3.0502% | 4,450 |
| Noninterest income to average assets | 0.1582% | 4,700 |
| Noninterest expense to average assets | 2.5672% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3931% | 4,605 |
| Return on assets (ROA) | 0.4039% | 4,621 |
| Pretax return on assets | 0.5500% | 4,492 |
| Return on Equity (ROE) | 2.8802% | 4,684 |
| Retained earnings to average equity (ytd only) | 2.8802% | 3,597 |
| Net charge-offs to loans | 0.0019% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 705.0000% | 147 |
| Efficiency ratio | 82.7206% | 753 |
| Assets per employee ($millions) | 6.9734% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9736% | 130 |
| Loan loss allowance to noncurrent loans | 557.7465% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 3,606 |
| Noncurrent loans to loans | 0.5331% | 2,579 |
| Net loans and leases to total assets | 39.0090% | 4,771 |
| Net loans and leases to deposits | 45.8485% | 4,790 |
| Net loans and leases to core deposits | 46.7087% | 4,820 |
| Total domestic deposits to total assets | 85.0825% | 2,455 |
| Equity capital to assets | 14.4443% | 949 |
| Core capital (leverage) ratio | 14.4139% | 823 |
| Tier 1 risk-based capital ratio | 29.4013% | 498 |
| Total risk-based capital ratio | 30.6658% | 486 |
| Memoranda: | ||
| Average total assets | $131,464,400 | 3,547 |
| Average earning assets | $126,943,600 | 3,472 |
| Average equity | $18,436,200 | 3,289 |
| Average total loans | $52,312,000 | 4,136 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 4,998 |
| Cost of funding earning assets | 0.3390% | 4,693 |
| Net interest margin | 3.0986% | 4,476 |
| Noninterest income to average assets | 0.1555% | 4,770 |
| Noninterest expense to average assets | 2.5720% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4321% | 4,654 |
| Return on assets (ROA) | 0.4522% | 4,656 |
| Pretax return on assets | 0.5995% | 4,546 |
| Return on Equity (ROE) | 3.2492% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.2492% | 3,783 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7506% | 775 |
| Assets per employee ($millions) | 6.8879% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 142 |
| Loan loss allowance to noncurrent loans | 422.6667% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,408 |
| Noncurrent loans to loans | 0.6865% | 2,243 |
| Net loans and leases to total assets | 40.5277% | 4,800 |
| Net loans and leases to deposits | 47.6871% | 4,827 |
| Net loans and leases to core deposits | 48.5914% | 4,869 |
| Total domestic deposits to total assets | 84.9867% | 2,432 |
| Equity capital to assets | 14.5556% | 965 |
| Core capital (leverage) ratio | 14.3299% | 895 |
| Tier 1 risk-based capital ratio | 28.2197% | 560 |
| Total risk-based capital ratio | 29.4823% | 541 |
| Memoranda: | ||
| Average total assets | $131,206,750 | 3,584 |
| Average earning assets | $126,633,000 | 3,512 |
| Average equity | $18,260,750 | 3,328 |
| Average total loans | $52,072,750 | 4,185 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 5,073 |
| Cost of funding earning assets | 0.3316% | 4,732 |
| Net interest margin | 3.0810% | 4,569 |
| Noninterest income to average assets | 0.1538% | 4,808 |
| Noninterest expense to average assets | 2.5312% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4203% | 4,696 |
| Return on assets (ROA) | 0.4371% | 4,686 |
| Pretax return on assets | 0.6153% | 4,517 |
| Return on Equity (ROE) | 3.1892% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.1892% | 3,632 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9942% | 886 |
| Assets per employee ($millions) | 6.9508% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0471% | 124 |
| Loan loss allowance to noncurrent loans | 414.0992% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 3,391 |
| Noncurrent loans to loans | 0.7358% | 2,148 |
| Net loans and leases to total assets | 38.2112% | 4,908 |
| Net loans and leases to deposits | 44.7884% | 4,933 |
| Net loans and leases to core deposits | 45.3165% | 4,975 |
| Total domestic deposits to total assets | 85.3149% | 2,338 |
| Equity capital to assets | 14.2300% | 1,039 |
| Core capital (leverage) ratio | 14.2726% | 886 |
| Tier 1 risk-based capital ratio | 28.8115% | 525 |
| Total risk-based capital ratio | 30.0761% | 518 |
| Memoranda: | ||
| Average total assets | $131,318,670 | 3,604 |
| Average earning assets | $126,648,330 | 3,525 |
| Average equity | $17,998,000 | 3,354 |
| Average total loans | $51,222,330 | 4,235 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 5,079 |
| Cost of funding earning assets | 0.3238% | 4,764 |
| Net interest margin | 3.1272% | 4,543 |
| Noninterest income to average assets | 0.1558% | 4,807 |
| Noninterest expense to average assets | 2.4224% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4918% | 4,544 |
| Return on assets (ROA) | 0.4918% | 4,564 |
| Pretax return on assets | 0.7423% | 4,192 |
| Return on Equity (ROE) | 3.6590% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.6590% | 3,456 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5444% | 1,446 |
| Assets per employee ($millions) | 7.2836% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9633% | 137 |
| Loan loss allowance to noncurrent loans | 530.1003% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 3,712 |
| Noncurrent loans to loans | 0.5590% | 2,647 |
| Net loans and leases to total assets | 39.5881% | 4,902 |
| Net loans and leases to deposits | 46.0913% | 4,928 |
| Net loans and leases to core deposits | 46.6334% | 4,967 |
| Total domestic deposits to total assets | 85.8907% | 2,326 |
| Equity capital to assets | 13.6837% | 1,136 |
| Core capital (leverage) ratio | 14.2238% | 892 |
| Tier 1 risk-based capital ratio | 26.7619% | 632 |
| Total risk-based capital ratio | 28.0237% | 621 |
| Memoranda: | ||
| Average total assets | $130,945,000 | 3,647 |
| Average earning assets | $125,992,000 | 3,572 |
| Average equity | $17,600,500 | 3,398 |
| Average total loans | $50,808,500 | 4,284 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 5,174 |
| Cost of funding earning assets | 0.3191% | 4,471 |
| Net interest margin | 2.8267% | 4,997 |
| Noninterest income to average assets | 0.3452% | 3,804 |
| Noninterest expense to average assets | 2.3081% | 4,101 |
| Loan and lease loss provision to assets | 0.2759% | 610 |
| Net operating income to assets | 0.3846% | 4,885 |
| Return on assets (ROA) | 0.3822% | 4,886 |
| Pretax return on assets | 0.4892% | 4,813 |
| Return on Equity (ROE) | 3.0004% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.0004% | 3,899 |
| Net charge-offs to loans | 0.6805% | 243 |
| Credit loss provision to net charge-offs | 115.8228% | 2,239 |
| Earnings coverage of net charge-offs (x) | 3.2247% | 3,434 |
| Efficiency ratio | 75.0306% | 1,492 |
| Assets per employee ($millions) | 7.2658% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2932% | 98 |
| Loan loss allowance to noncurrent loans | 463.4503% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,537 |
| Noncurrent loans to loans | 0.7106% | 2,214 |
| Net loans and leases to total assets | 35.5889% | 5,076 |
| Net loans and leases to deposits | 41.1812% | 5,100 |
| Net loans and leases to core deposits | 41.6626% | 5,133 |
| Total domestic deposits to total assets | 86.4205% | 2,046 |
| Equity capital to assets | 13.1980% | 1,256 |
| Core capital (leverage) ratio | 14.1737% | 877 |
| Tier 1 risk-based capital ratio | 30.2903% | 463 |
| Total risk-based capital ratio | 31.5566% | 451 |
| Memoranda: | ||
| Average total assets | $132,661,800 | 3,614 |
| Average earning assets | $128,171,600 | 3,524 |
| Average equity | $16,897,600 | 3,410 |
| Average total loans | $46,433,600 | 4,389 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1030% | 5,246 |
| Cost of funding earning assets | 0.3169% | 4,399 |
| Net interest margin | 2.7861% | 5,105 |
| Noninterest income to average assets | 0.1652% | 4,959 |
| Noninterest expense to average assets | 2.3185% | 4,053 |
| Loan and lease loss provision to assets | 0.1062% | 1,891 |
| Net operating income to assets | 0.3275% | 5,062 |
| Return on assets (ROA) | 0.3275% | 5,055 |
| Pretax return on assets | 0.4346% | 4,995 |
| Return on Equity (ROE) | 2.5941% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.5941% | 4,371 |
| Net charge-offs to loans | 0.9157% | 155 |
| Credit loss provision to net charge-offs | 33.5443% | 2,950 |
| Earnings coverage of net charge-offs (x) | 1.7089% | 3,324 |
| Efficiency ratio | 81.0858% | 852 |
| Assets per employee ($millions) | 7.2954% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7394% | 182 |
| Loan loss allowance to noncurrent loans | 397.8979% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,688 |
| Noncurrent loans to loans | 0.6885% | 2,355 |
| Net loans and leases to total assets | 35.8248% | 5,149 |
| Net loans and leases to deposits | 41.1760% | 5,183 |
| Net loans and leases to core deposits | 41.4762% | 5,211 |
| Total domestic deposits to total assets | 87.0040% | 1,731 |
| Equity capital to assets | 12.5361% | 1,562 |
| Core capital (leverage) ratio | 13.7946% | 997 |
| Tier 1 risk-based capital ratio | 30.4098% | 456 |
| Total risk-based capital ratio | 31.6704% | 449 |
| Memoranda: | ||
| Average total assets | $133,131,000 | 3,636 |
| Average earning assets | $128,733,500 | 3,549 |
| Average equity | $16,806,750 | 3,440 |
| Average total loans | $46,009,500 | 4,448 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0590% | 5,304 |
| Cost of funding earning assets | 0.3122% | 4,329 |
| Net interest margin | 2.7467% | 5,175 |
| Noninterest income to average assets | 0.1810% | 4,923 |
| Noninterest expense to average assets | 2.3509% | 4,023 |
| Loan and lease loss provision to assets | 0.1286% | 1,543 |
| Net operating income to assets | 0.2871% | 5,135 |
| Return on assets (ROA) | 0.2871% | 5,128 |
| Pretax return on assets | 0.3589% | 5,096 |
| Return on Equity (ROE) | 2.2693% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.2693% | 4,375 |
| Net charge-offs to loans | 1.2118% | 104 |
| Credit loss provision to net charge-offs | 31.3869% | 2,618 |
| Earnings coverage of net charge-offs (x) | 1.1898% | 3,083 |
| Efficiency ratio | 82.8240% | 777 |
| Assets per employee ($millions) | 7.4494% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8642% | 165 |
| Loan loss allowance to noncurrent loans | 340.1515% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,584 |
| Noncurrent loans to loans | 0.8420% | 2,038 |
| Net loans and leases to total assets | 34.0682% | 5,236 |
| Net loans and leases to deposits | 39.0495% | 5,270 |
| Net loans and leases to core deposits | 39.3271% | 5,296 |
| Total domestic deposits to total assets | 87.2436% | 1,742 |
| Equity capital to assets | 12.3924% | 1,599 |
| Core capital (leverage) ratio | 13.6332% | 1,022 |
| Tier 1 risk-based capital ratio | 29.9967% | 476 |
| Total risk-based capital ratio | 31.2577% | 471 |
| Memoranda: | ||
| Average total assets | $133,735,670 | 3,646 |
| Average earning assets | $129,389,330 | 3,559 |
| Average equity | $16,921,670 | 3,449 |
| Average total loans | $45,223,000 | 4,515 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8508% | 5,433 |
| Cost of funding earning assets | 0.3157% | 4,230 |
| Net interest margin | 2.5351% | 5,368 |
| Noninterest income to average assets | 0.1797% | 4,951 |
| Noninterest expense to average assets | 2.2732% | 4,249 |
| Loan and lease loss provision to assets | 0.2576% | 565 |
| Net operating income to assets | 0.1438% | 5,291 |
| Return on assets (ROA) | 0.1438% | 5,288 |
| Pretax return on assets | 0.1018% | 5,336 |
| Return on Equity (ROE) | 1.1245% | 5,296 |
| Retained earnings to average equity (ytd only) | 1.1245% | 4,598 |
| Net charge-offs to loans | 2.4729% | 45 |
| Credit loss provision to net charge-offs | 31.3869% | 2,055 |
| Earnings coverage of net charge-offs (x) | 0.4380% | 2,641 |
| Efficiency ratio | 86.3481% | 622 |
| Assets per employee ($millions) | 7.4612% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0953% | 140 |
| Loan loss allowance to noncurrent loans | 532.4111% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 2,710 |
| Noncurrent loans to loans | 0.5814% | 2,801 |
| Net loans and leases to total assets | 31.4004% | 5,336 |
| Net loans and leases to deposits | 35.9640% | 5,359 |
| Net loans and leases to core deposits | 36.2188% | 5,390 |
| Total domestic deposits to total assets | 87.3106% | 2,004 |
| Equity capital to assets | 12.4035% | 1,546 |
| Core capital (leverage) ratio | 13.6041% | 978 |
| Tier 1 risk-based capital ratio | 31.3750% | 427 |
| Total risk-based capital ratio | 32.6381% | 417 |
| Memoranda: | ||
| Average total assets | $133,558,500 | 3,683 |
| Average earning assets | $129,225,000 | 3,597 |
| Average equity | $17,074,000 | 3,464 |
| Average total loans | $44,320,000 | 4,584 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8212% | 5,450 |
| Cost of funding earning assets | 0.3130% | 4,014 |
| Net interest margin | 2.5081% | 5,405 |
| Noninterest income to average assets | 0.2208% | 4,829 |
| Noninterest expense to average assets | 2.2533% | 4,434 |
| Loan and lease loss provision to assets | 0.0758% | 2,679 |
| Net operating income to assets | 0.1840% | 5,138 |
| Return on assets (ROA) | 0.1840% | 5,152 |
| Pretax return on assets | 0.3208% | 5,188 |
| Return on Equity (ROE) | 1.4242% | 5,165 |
| Retained earnings to average equity (ytd only) | 1.4242% | 4,433 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0319% | 697 |
| Assets per employee ($millions) | 7.3787% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4041% | 92 |
| Loan loss allowance to noncurrent loans | 552.5180% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 4,091 |
| Noncurrent loans to loans | 0.6161% | 2,690 |
| Net loans and leases to total assets | 32.8168% | 5,375 |
| Net loans and leases to deposits | 37.9325% | 5,393 |
| Net loans and leases to core deposits | 38.2062% | 5,418 |
| Total domestic deposits to total assets | 86.5137% | 2,226 |
| Equity capital to assets | 13.1686% | 1,180 |
| Core capital (leverage) ratio | 13.4121% | 1,001 |
| Tier 1 risk-based capital ratio | 31.4537% | 403 |
| Total risk-based capital ratio | 32.7199% | 401 |
| Memoranda: | ||
| Average total assets | $135,892,200 | 3,666 |
| Average earning assets | $131,612,600 | 3,569 |
| Average equity | $17,553,200 | 3,421 |
| Average total loans | $41,381,800 | 4,685 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8040% | 5,519 |
| Cost of funding earning assets | 0.3104% | 4,021 |
| Net interest margin | 2.4936% | 5,475 |
| Noninterest income to average assets | 0.2302% | 4,835 |
| Noninterest expense to average assets | 2.2176% | 4,488 |
| Loan and lease loss provision to assets | 0.1005% | 2,102 |
| Net operating income to assets | 0.3893% | 5,017 |
| Return on assets (ROA) | 0.3893% | 5,049 |
| Pretax return on assets | 0.3259% | 5,285 |
| Return on Equity (ROE) | 3.0280% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.0280% | 4,105 |
| Net charge-offs to loans | 0.0033% | 3,621 |
| Credit loss provision to net charge-offs | 10,300.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 438.0827% | 225 |
| Efficiency ratio | 83.8745% | 761 |
| Assets per employee ($millions) | 7.6308% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4681% | 97 |
| Loan loss allowance to noncurrent loans | 540.1408% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 4,251 |
| Noncurrent loans to loans | 0.6421% | 2,788 |
| Net loans and leases to total assets | 31.0861% | 5,473 |
| Net loans and leases to deposits | 35.8813% | 5,496 |
| Net loans and leases to core deposits | 36.1309% | 5,524 |
| Total domestic deposits to total assets | 86.6360% | 2,026 |
| Equity capital to assets | 13.0837% | 1,341 |
| Core capital (leverage) ratio | 13.2357% | 1,122 |
| Tier 1 risk-based capital ratio | 31.8530% | 423 |
| Total risk-based capital ratio | 33.1193% | 418 |
| Memoranda: | ||
| Average total assets | $136,661,250 | 3,694 |
| Average earning assets | $132,282,750 | 3,596 |
| Average equity | $17,569,000 | 3,451 |
| Average total loans | $40,446,750 | 4,763 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7575% | 5,577 |
| Cost of funding earning assets | 0.3091% | 3,992 |
| Net interest margin | 2.4484% | 5,536 |
| Noninterest income to average assets | 0.2756% | 4,580 |
| Noninterest expense to average assets | 2.1799% | 4,599 |
| Loan and lease loss provision to assets | 0.1510% | 1,338 |
| Net operating income to assets | 0.2815% | 5,263 |
| Return on assets (ROA) | 0.2815% | 5,281 |
| Pretax return on assets | 0.3137% | 5,318 |
| Return on Equity (ROE) | 2.2025% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.2025% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4279% | 965 |
| Assets per employee ($millions) | 8.0902% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6683% | 80 |
| Loan loss allowance to noncurrent loans | 529.3103% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 4,320 |
| Noncurrent loans to loans | 0.6930% | 2,680 |
| Net loans and leases to total assets | 29.3093% | 5,561 |
| Net loans and leases to deposits | 33.7842% | 5,576 |
| Net loans and leases to core deposits | 34.0183% | 5,601 |
| Total domestic deposits to total assets | 86.7545% | 2,063 |
| Equity capital to assets | 13.0129% | 1,376 |
| Core capital (leverage) ratio | 13.0614% | 1,154 |
| Tier 1 risk-based capital ratio | 31.2340% | 428 |
| Total risk-based capital ratio | 32.5006% | 421 |
| Memoranda: | ||
| Average total assets | $136,430,330 | 3,718 |
| Average earning assets | $132,004,670 | 3,620 |
| Average equity | $17,435,000 | 3,475 |
| Average total loans | $39,185,000 | 4,841 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7371% | 5,629 |
| Cost of funding earning assets | 0.3082% | 3,959 |
| Net interest margin | 2.4289% | 5,598 |
| Noninterest income to average assets | 0.3474% | 4,067 |
| Noninterest expense to average assets | 2.4698% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2002% | 5,393 |
| Return on assets (ROA) | 0.2002% | 5,408 |
| Pretax return on assets | 0.2208% | 5,415 |
| Return on Equity (ROE) | 1.5810% | 5,406 |
| Retained earnings to average equity (ytd only) | 1.5810% | 4,470 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7943% | 461 |
| Assets per employee ($millions) | 8.0329% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7457% | 97 |
| Loan loss allowance to noncurrent loans | 475.7475% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,338 |
| Noncurrent loans to loans | 0.7873% | 2,486 |
| Net loans and leases to total assets | 26.9464% | 5,654 |
| Net loans and leases to deposits | 30.9581% | 5,669 |
| Net loans and leases to core deposits | 31.0678% | 5,678 |
| Total domestic deposits to total assets | 87.0416% | 2,196 |
| Equity capital to assets | 12.6648% | 1,431 |
| Core capital (leverage) ratio | 13.1234% | 1,093 |
| Tier 1 risk-based capital ratio | 32.9566% | 379 |
| Total risk-based capital ratio | 34.2225% | 371 |
| Memoranda: | ||
| Average total assets | $135,879,000 | 3,758 |
| Average earning assets | $131,086,500 | 3,665 |
| Average equity | $17,204,000 | 3,518 |
| Average total loans | $37,855,000 | 4,924 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7098% | 5,683 |
| Cost of funding earning assets | 0.3397% | 3,636 |
| Net interest margin | 2.3701% | 5,668 |
| Noninterest income to average assets | 0.2120% | 5,148 |
| Noninterest expense to average assets | 2.1741% | 4,836 |
| Loan and lease loss provision to assets | -0.0037% | 5,465 |
| Net operating income to assets | 0.2895% | 5,245 |
| Return on assets (ROA) | 0.2895% | 5,315 |
| Pretax return on assets | 0.3268% | 5,332 |
| Return on Equity (ROE) | 2.2266% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.2266% | 4,267 |
| Net charge-offs to loans | 0.4202% | 621 |
| Credit loss provision to net charge-offs | -3.0303% | 4,727 |
| Earnings coverage of net charge-offs (x) | 2.6788% | 3,787 |
| Efficiency ratio | 87.0609% | 750 |
| Assets per employee ($millions) | 7.9528% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8234% | 88 |
| Loan loss allowance to noncurrent loans | 342.0048% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 3,911 |
| Noncurrent loans to loans | 1.1179% | 1,850 |
| Net loans and leases to total assets | 26.6624% | 5,716 |
| Net loans and leases to deposits | 30.6345% | 5,731 |
| Net loans and leases to core deposits | 30.7442% | 5,745 |
| Total domestic deposits to total assets | 87.0338% | 2,131 |
| Equity capital to assets | 12.6577% | 1,422 |
| Core capital (leverage) ratio | 13.0452% | 1,117 |
| Tier 1 risk-based capital ratio | 32.8339% | 381 |
| Total risk-based capital ratio | 34.0999% | 373 |
| Memoranda: | ||
| Average total assets | $136,789,400 | 3,718 |
| Average earning assets | $131,891,400 | 3,620 |
| Average equity | $17,785,200 | 3,438 |
| Average total loans | $39,269,600 | 4,901 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7504% | 5,738 |
| Cost of funding earning assets | 0.3448% | 3,597 |
| Net interest margin | 2.4056% | 5,717 |
| Noninterest income to average assets | 0.2187% | 5,158 |
| Noninterest expense to average assets | 2.1391% | 4,913 |
| Loan and lease loss provision to assets | -0.0049% | 5,636 |
| Net operating income to assets | 0.3674% | 5,121 |
| Return on assets (ROA) | 0.3674% | 5,207 |
| Pretax return on assets | 0.4033% | 5,301 |
| Return on Equity (ROE) | 2.8072% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.8072% | 4,210 |
| Net charge-offs to loans | 0.5505% | 382 |
| Credit loss provision to net charge-offs | -3.0488% | 4,596 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,559 |
| Efficiency ratio | 84.2972% | 972 |
| Assets per employee ($millions) | 7.9989% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8317% | 88 |
| Loan loss allowance to noncurrent loans | 411.7816% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 4,276 |
| Noncurrent loans to loans | 0.9305% | 2,387 |
| Net loans and leases to total assets | 26.4493% | 5,786 |
| Net loans and leases to deposits | 30.7720% | 5,805 |
| Net loans and leases to core deposits | 30.8830% | 5,819 |
| Total domestic deposits to total assets | 85.9524% | 2,386 |
| Equity capital to assets | 13.4607% | 1,264 |
| Core capital (leverage) ratio | 12.8997% | 1,228 |
| Tier 1 risk-based capital ratio | 33.4350% | 371 |
| Total risk-based capital ratio | 34.7029% | 367 |
| Memoranda: | ||
| Average total assets | $137,187,250 | 3,739 |
| Average earning assets | $132,244,500 | 3,632 |
| Average equity | $17,953,250 | 3,441 |
| Average total loans | $39,717,000 | 4,937 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8256% | 5,788 |
| Cost of funding earning assets | 0.3517% | 3,546 |
| Net interest margin | 2.4739% | 5,759 |
| Noninterest income to average assets | 0.2209% | 5,168 |
| Noninterest expense to average assets | 2.1048% | 5,047 |
| Loan and lease loss provision to assets | -0.0363% | 5,811 |
| Net operating income to assets | 0.4884% | 4,726 |
| Return on assets (ROA) | 0.4884% | 4,826 |
| Pretax return on assets | 0.5349% | 5,059 |
| Return on Equity (ROE) | 3.7676% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,495 |
| Net charge-offs to loans | 0.2667% | 901 |
| Credit loss provision to net charge-offs | -46.2963% | 4,523 |
| Earnings coverage of net charge-offs (x) | 6.3519% | 2,751 |
| Efficiency ratio | 80.8487% | 1,398 |
| Assets per employee ($millions) | 8.1351% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8802% | 88 |
| Loan loss allowance to noncurrent loans | 325.4274% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 4,087 |
| Noncurrent loans to loans | 1.1923% | 1,927 |
| Net loans and leases to total assets | 27.2804% | 5,838 |
| Net loans and leases to deposits | 31.6383% | 5,859 |
| Net loans and leases to core deposits | 31.7501% | 5,873 |
| Total domestic deposits to total assets | 86.2260% | 2,313 |
| Equity capital to assets | 13.2375% | 1,362 |
| Core capital (leverage) ratio | 12.7368% | 1,260 |
| Tier 1 risk-based capital ratio | 32.2014% | 412 |
| Total risk-based capital ratio | 33.4693% | 403 |
| Memoranda: | ||
| Average total assets | $137,589,330 | 3,759 |
| Average earning assets | $132,503,330 | 3,653 |
| Average equity | $17,836,330 | 3,466 |
| Average total loans | $40,489,670 | 4,957 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8922% | 5,792 |
| Cost of funding earning assets | 0.3661% | 3,441 |
| Net interest margin | 2.5261% | 5,783 |
| Noninterest income to average assets | 0.2273% | 5,111 |
| Noninterest expense to average assets | 2.0549% | 5,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5450% | 4,443 |
| Return on assets (ROA) | 0.5450% | 4,546 |
| Pretax return on assets | 0.6063% | 4,804 |
| Return on Equity (ROE) | 4.2498% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.2498% | 3,354 |
| Net charge-offs to loans | 0.2335% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,035 |
| Efficiency ratio | 77.2180% | 2,005 |
| Assets per employee ($millions) | 8.0499% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8625% | 101 |
| Loan loss allowance to noncurrent loans | 328.0665% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 4,105 |
| Noncurrent loans to loans | 1.1774% | 2,057 |
| Net loans and leases to total assets | 28.7002% | 5,856 |
| Net loans and leases to deposits | 33.2293% | 5,883 |
| Net loans and leases to core deposits | 33.3478% | 5,903 |
| Total domestic deposits to total assets | 86.3704% | 2,511 |
| Equity capital to assets | 13.0596% | 1,384 |
| Core capital (leverage) ratio | 12.7936% | 1,239 |
| Tier 1 risk-based capital ratio | 31.6761% | 443 |
| Total risk-based capital ratio | 32.9449% | 435 |
| Memoranda: | ||
| Average total assets | $137,235,500 | 3,793 |
| Average earning assets | $132,219,000 | 3,682 |
| Average equity | $17,601,000 | 3,496 |
| Average total loans | $41,109,000 | 4,972 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8391% | 5,855 |
| Cost of funding earning assets | 0.4470% | 2,656 |
| Net interest margin | 2.3921% | 5,895 |
| Noninterest income to average assets | 0.2757% | 4,916 |
| Noninterest expense to average assets | 2.1126% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4286% | 4,958 |
| Return on assets (ROA) | 0.4299% | 5,030 |
| Pretax return on assets | 0.4654% | 5,189 |
| Return on Equity (ROE) | 3.5467% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.5467% | 3,540 |
| Net charge-offs to loans | -0.1627% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9912% | 1,412 |
| Assets per employee ($millions) | 8.0954% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8754% | 90 |
| Loan loss allowance to noncurrent loans | 278.7826% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 3,888 |
| Noncurrent loans to loans | 1.3901% | 1,685 |
| Net loans and leases to total assets | 28.8915% | 5,920 |
| Net loans and leases to deposits | 33.2736% | 5,949 |
| Net loans and leases to core deposits | 33.3910% | 5,970 |
| Total domestic deposits to total assets | 86.8299% | 2,225 |
| Equity capital to assets | 12.5925% | 1,573 |
| Core capital (leverage) ratio | 12.6543% | 1,281 |
| Tier 1 risk-based capital ratio | 31.1688% | 459 |
| Total risk-based capital ratio | 32.4379% | 452 |
| Memoranda: | ||
| Average total assets | $140,728,600 | 3,710 |
| Average earning assets | $135,360,600 | 3,607 |
| Average equity | $17,058,200 | 3,522 |
| Average total loans | $41,782,000 | 4,942 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8349% | 5,936 |
| Cost of funding earning assets | 0.4663% | 2,521 |
| Net interest margin | 2.3687% | 5,992 |
| Noninterest income to average assets | 0.2789% | 4,951 |
| Noninterest expense to average assets | 2.1238% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3959% | 5,177 |
| Return on assets (ROA) | 0.3976% | 5,264 |
| Pretax return on assets | 0.4353% | 5,388 |
| Return on Equity (ROE) | 3.3116% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.3116% | 4,113 |
| Net charge-offs to loans | -0.2610% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0508% | 1,264 |
| Assets per employee ($millions) | 8.0857% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9197% | 95 |
| Loan loss allowance to noncurrent loans | 258.1470% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 3,924 |
| Noncurrent loans to loans | 1.5184% | 1,655 |
| Net loans and leases to total assets | 28.8177% | 6,010 |
| Net loans and leases to deposits | 33.3109% | 6,029 |
| Net loans and leases to core deposits | 33.4290% | 6,054 |
| Total domestic deposits to total assets | 86.5114% | 2,276 |
| Equity capital to assets | 12.6018% | 1,687 |
| Core capital (leverage) ratio | 12.2943% | 1,515 |
| Tier 1 risk-based capital ratio | 30.7385% | 484 |
| Total risk-based capital ratio | 32.0089% | 479 |
| Memoranda: | ||
| Average total assets | $141,505,250 | 3,726 |
| Average earning assets | $136,107,750 | 3,625 |
| Average equity | $16,990,250 | 3,560 |
| Average total loans | $41,886,500 | 4,994 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8554% | 5,978 |
| Cost of funding earning assets | 0.4820% | 2,413 |
| Net interest margin | 2.3735% | 6,057 |
| Noninterest income to average assets | 0.3122% | 4,725 |
| Noninterest expense to average assets | 2.2218% | 5,048 |
| Loan and lease loss provision to assets | 0.0238% | 3,660 |
| Net operating income to assets | 0.3136% | 5,400 |
| Return on assets (ROA) | 0.3136% | 5,493 |
| Pretax return on assets | 0.3486% | 5,578 |
| Return on Equity (ROE) | 2.6541% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.6541% | 4,369 |
| Net charge-offs to loans | 0.1377% | 1,676 |
| Credit loss provision to net charge-offs | 58.6207% | 2,604 |
| Earnings coverage of net charge-offs (x) | 9.1724% | 2,484 |
| Efficiency ratio | 85.6449% | 1,088 |
| Assets per employee ($millions) | 9.4249% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6398% | 144 |
| Loan loss allowance to noncurrent loans | 141.7132% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 3,073 |
| Noncurrent loans to loans | 2.5685% | 858 |
| Net loans and leases to total assets | 28.5010% | 6,084 |
| Net loans and leases to deposits | 32.5138% | 6,112 |
| Net loans and leases to core deposits | 32.7109% | 6,128 |
| Total domestic deposits to total assets | 87.6583% | 1,810 |
| Equity capital to assets | 11.7476% | 2,209 |
| Core capital (leverage) ratio | 11.8117% | 1,766 |
| Tier 1 risk-based capital ratio | 27.2952% | 689 |
| Total risk-based capital ratio | 28.5594% | 672 |
| Memoranda: | ||
| Average total assets | $142,854,670 | 3,735 |
| Average earning assets | $137,352,000 | 3,636 |
| Average equity | $16,879,670 | 3,584 |
| Average total loans | $42,106,000 | 5,027 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8597% | 6,023 |
| Cost of funding earning assets | 0.5094% | 2,209 |
| Net interest margin | 2.3503% | 6,128 |
| Noninterest income to average assets | 0.3510% | 4,390 |
| Noninterest expense to average assets | 2.4764% | 4,338 |
| Loan and lease loss provision to assets | 0.0474% | 2,983 |
| Net operating income to assets | 0.0808% | 5,909 |
| Return on assets (ROA) | 0.0808% | 5,960 |
| Pretax return on assets | 0.0891% | 5,959 |
| Return on Equity (ROE) | 0.6817% | 5,965 |
| Retained earnings to average equity (ytd only) | 0.6817% | 5,176 |
| Net charge-offs to loans | 0.0189% | 2,778 |
| Credit loss provision to net charge-offs | 850.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,292 |
| Efficiency ratio | 94.7761% | 556 |
| Assets per employee ($millions) | 8.9324% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6811% | 155 |
| Loan loss allowance to noncurrent loans | 143.0286% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 3,184 |
| Noncurrent loans to loans | 2.5737% | 934 |
| Net loans and leases to total assets | 28.3596% | 6,122 |
| Net loans and leases to deposits | 32.4700% | 6,145 |
| Net loans and leases to core deposits | 32.6650% | 6,173 |
| Total domestic deposits to total assets | 87.3410% | 2,193 |
| Equity capital to assets | 12.0461% | 1,998 |
| Core capital (leverage) ratio | 11.6436% | 1,894 |
| Tier 1 risk-based capital ratio | 27.3988% | 686 |
| Total risk-based capital ratio | 28.6645% | 664 |
| Memoranda: | ||
| Average total assets | $143,595,000 | 3,749 |
| Average earning assets | $138,194,500 | 3,651 |
| Average equity | $17,015,500 | 3,589 |
| Average total loans | $42,251,500 | 5,059 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7946% | 6,207 |
| Cost of funding earning assets | 0.8050% | 633 |
| Net interest margin | 1.9896% | 6,374 |
| Noninterest income to average assets | 0.2820% | 5,104 |
| Noninterest expense to average assets | 1.8822% | 5,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2996% | 5,515 |
| Return on assets (ROA) | 0.2996% | 5,589 |
| Pretax return on assets | 0.3138% | 5,676 |
| Return on Equity (ROE) | 2.8103% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.8103% | 4,240 |
| Net charge-offs to loans | 0.1564% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.8644% | 2,961 |
| Efficiency ratio | 85.7099% | 1,202 |
| Assets per employee ($millions) | 9.0170% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6160% | 168 |
| Loan loss allowance to noncurrent loans | 144.5806% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 3,135 |
| Noncurrent loans to loans | 2.5010% | 1,014 |
| Net loans and leases to total assets | 28.3416% | 6,228 |
| Net loans and leases to deposits | 32.3172% | 6,248 |
| Net loans and leases to core deposits | 32.5081% | 6,271 |
| Total domestic deposits to total assets | 87.6982% | 1,926 |
| Equity capital to assets | 11.6551% | 2,297 |
| Core capital (leverage) ratio | 11.3047% | 2,129 |
| Tier 1 risk-based capital ratio | 28.4816% | 596 |
| Total risk-based capital ratio | 29.7161% | 580 |
| Memoranda: | ||
| Average total assets | $147,860,800 | 3,667 |
| Average earning assets | $142,240,200 | 3,562 |
| Average equity | $15,763,200 | 3,711 |
| Average total loans | $37,720,800 | 5,270 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7973% | 6,284 |
| Cost of funding earning assets | 0.8467% | 548 |
| Net interest margin | 1.9506% | 6,462 |
| Noninterest income to average assets | 0.2106% | 5,672 |
| Noninterest expense to average assets | 1.7827% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2859% | 5,635 |
| Return on assets (ROA) | 0.2859% | 5,702 |
| Pretax return on assets | 0.3047% | 5,767 |
| Return on Equity (ROE) | 2.7440% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.7440% | 4,640 |
| Net charge-offs to loans | -0.5655% | 6,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4015% | 1,243 |
| Assets per employee ($millions) | 10.4599% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8533% | 91 |
| Loan loss allowance to noncurrent loans | 264.8485% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 4,117 |
| Noncurrent loans to loans | 1.8325% | 1,748 |
| Net loans and leases to total assets | 23.4017% | 6,399 |
| Net loans and leases to deposits | 26.5265% | 6,421 |
| Net loans and leases to core deposits | 28.1320% | 6,408 |
| Total domestic deposits to total assets | 88.2203% | 1,647 |
| Equity capital to assets | 11.0736% | 2,877 |
| Core capital (leverage) ratio | 10.9968% | 2,487 |
| Tier 1 risk-based capital ratio | 28.8177% | 592 |
| Total risk-based capital ratio | 30.0907% | 581 |
| Memoranda: | ||
| Average total assets | $148,758,000 | 3,678 |
| Average earning assets | $143,135,250 | 3,589 |
| Average equity | $15,500,250 | 3,772 |
| Average total loans | $36,545,250 | 5,360 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8347% | 6,315 |
| Cost of funding earning assets | 0.8643% | 518 |
| Net interest margin | 1.9704% | 6,529 |
| Noninterest income to average assets | 0.2113% | 5,690 |
| Noninterest expense to average assets | 1.5890% | 6,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4909% | 4,842 |
| Return on assets (ROA) | 0.4909% | 4,920 |
| Pretax return on assets | 0.5190% | 5,228 |
| Return on Equity (ROE) | 4.8094% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.8094% | 3,082 |
| Net charge-offs to loans | -0.8442% | 6,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3807% | 2,745 |
| Assets per employee ($millions) | 11.4787% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8250% | 92 |
| Loan loss allowance to noncurrent loans | 237.1777% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 4,378 |
| Noncurrent loans to loans | 2.0343% | 1,656 |
| Net loans and leases to total assets | 23.1064% | 6,470 |
| Net loans and leases to deposits | 26.1180% | 6,490 |
| Net loans and leases to core deposits | 27.7380% | 6,476 |
| Total domestic deposits to total assets | 88.4689% | 1,655 |
| Equity capital to assets | 10.8274% | 3,057 |
| Core capital (leverage) ratio | 10.8758% | 2,553 |
| Tier 1 risk-based capital ratio | 29.2912% | 558 |
| Total risk-based capital ratio | 30.5652% | 543 |
| Memoranda: | ||
| Average total assets | $149,531,330 | 3,684 |
| Average earning assets | $143,930,330 | 3,598 |
| Average equity | $15,261,670 | 3,809 |
| Average total loans | $36,721,330 | 5,387 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9041% | 6,322 |
| Cost of funding earning assets | 0.8846% | 493 |
| Net interest margin | 2.0195% | 6,583 |
| Noninterest income to average assets | 0.1924% | 5,808 |
| Noninterest expense to average assets | 1.5900% | 6,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5051% | 4,667 |
| Return on assets (ROA) | 0.5051% | 4,752 |
| Pretax return on assets | 0.5425% | 5,037 |
| Return on Equity (ROE) | 5.1033% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.1033% | 3,059 |
| Net charge-offs to loans | -1.7312% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5614% | 3,038 |
| Assets per employee ($millions) | 11.4822% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8352% | 100 |
| Loan loss allowance to noncurrent loans | 261.6418% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 4,759 |
| Noncurrent loans to loans | 1.8480% | 2,070 |
| Net loans and leases to total assets | 23.1141% | 6,520 |
| Net loans and leases to deposits | 25.9579% | 6,546 |
| Net loans and leases to core deposits | 27.5555% | 6,533 |
| Total domestic deposits to total assets | 89.0445% | 1,632 |
| Equity capital to assets | 10.2674% | 3,518 |
| Core capital (leverage) ratio | 10.9114% | 2,476 |
| Tier 1 risk-based capital ratio | 29.8159% | 534 |
| Total risk-based capital ratio | 31.0899% | 526 |
| Memoranda: | ||
| Average total assets | $149,685,500 | 3,707 |
| Average earning assets | $143,799,000 | 3,628 |
| Average equity | $14,814,000 | 3,892 |
| Average total loans | $36,968,000 | 5,425 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8617% | 6,459 |
| Cost of funding earning assets | 0.9920% | 465 |
| Net interest margin | 1.8697% | 6,674 |
| Noninterest income to average assets | 0.2218% | 5,749 |
| Noninterest expense to average assets | 1.5971% | 6,517 |
| Loan and lease loss provision to assets | 0.2061% | 1,796 |
| Net operating income to assets | 0.1715% | 5,887 |
| Return on assets (ROA) | 0.1878% | 5,928 |
| Pretax return on assets | 0.2035% | 5,930 |
| Return on Equity (ROE) | 1.8245% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.8245% | 4,938 |
| Net charge-offs to loans | 0.6926% | 938 |
| Credit loss provision to net charge-offs | 123.0469% | 1,935 |
| Earnings coverage of net charge-offs (x) | 2.3398% | 4,230 |
| Efficiency ratio | 80.2961% | 2,105 |
| Assets per employee ($millions) | 12.5086% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2276% | 173 |
| Loan loss allowance to noncurrent loans | 191.9277% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 4,287 |
| Noncurrent loans to loans | 2.2027% | 1,771 |
| Net loans and leases to total assets | 24.0422% | 6,603 |
| Net loans and leases to deposits | 26.7679% | 6,630 |
| Net loans and leases to core deposits | 28.4010% | 6,622 |
| Total domestic deposits to total assets | 89.8170% | 1,169 |
| Equity capital to assets | 9.5281% | 4,387 |
| Core capital (leverage) ratio | 10.6678% | 2,708 |
| Tier 1 risk-based capital ratio | 28.4309% | 585 |
| Total risk-based capital ratio | 29.7002% | 571 |
| Memoranda: | ||
| Average total assets | $152,835,800 | 3,661 |
| Average earning assets | $144,458,000 | 3,595 |
| Average equity | $15,730,200 | 3,748 |
| Average total loans | $36,963,600 | 5,463 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8410% | 6,544 |
| Cost of funding earning assets | 1.0007% | 492 |
| Net interest margin | 1.8402% | 6,758 |
| Noninterest income to average assets | 0.1919% | 6,028 |
| Noninterest expense to average assets | 1.5199% | 6,626 |
| Loan and lease loss provision to assets | 0.2241% | 1,620 |
| Net operating income to assets | 0.1639% | 6,007 |
| Return on assets (ROA) | 0.1850% | 6,021 |
| Pretax return on assets | 0.2058% | 6,033 |
| Return on Equity (ROE) | 1.7653% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.7653% | 5,255 |
| Net charge-offs to loans | 0.9170% | 635 |
| Credit loss provision to net charge-offs | 101.9763% | 2,297 |
| Earnings coverage of net charge-offs (x) | 1.8498% | 4,214 |
| Efficiency ratio | 78.8999% | 2,277 |
| Assets per employee ($millions) | 13.7254% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1178% | 214 |
| Loan loss allowance to noncurrent loans | 191.1801% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 4,803 |
| Noncurrent loans to loans | 2.1539% | 2,059 |
| Net loans and leases to total assets | 23.7351% | 6,694 |
| Net loans and leases to deposits | 26.4758% | 6,719 |
| Net loans and leases to core deposits | 28.0834% | 6,709 |
| Total domestic deposits to total assets | 89.6482% | 1,198 |
| Equity capital to assets | 9.6855% | 4,319 |
| Core capital (leverage) ratio | 10.5856% | 2,911 |
| Tier 1 risk-based capital ratio | 28.2378% | 616 |
| Total risk-based capital ratio | 29.5060% | 599 |
| Memoranda: | ||
| Average total assets | $153,519,000 | 3,682 |
| Average earning assets | $144,687,750 | 3,627 |
| Average equity | $16,087,250 | 3,729 |
| Average total loans | $36,784,250 | 5,519 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8660% | 6,562 |
| Cost of funding earning assets | 1.0180% | 496 |
| Net interest margin | 1.8481% | 6,805 |
| Noninterest income to average assets | 0.1736% | 6,165 |
| Noninterest expense to average assets | 1.4213% | 6,723 |
| Loan and lease loss provision to assets | 0.3239% | 1,076 |
| Net operating income to assets | 0.1483% | 6,029 |
| Return on assets (ROA) | 0.1801% | 6,069 |
| Pretax return on assets | 0.1969% | 6,090 |
| Return on Equity (ROE) | 1.6772% | 6,043 |
| Retained earnings to average equity (ytd only) | 1.6772% | 5,179 |
| Net charge-offs to loans | 1.2190% | 471 |
| Credit loss provision to net charge-offs | 112.1076% | 1,981 |
| Earnings coverage of net charge-offs (x) | 1.6816% | 3,971 |
| Efficiency ratio | 74.5245% | 3,024 |
| Assets per employee ($millions) | 11.7692% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1909% | 218 |
| Loan loss allowance to noncurrent loans | 220.7921% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 5,080 |
| Noncurrent loans to loans | 1.8981% | 2,508 |
| Net loans and leases to total assets | 23.3242% | 6,735 |
| Net loans and leases to deposits | 26.1355% | 6,763 |
| Net loans and leases to core deposits | 27.7177% | 6,756 |
| Total domestic deposits to total assets | 89.2431% | 1,485 |
| Equity capital to assets | 10.1595% | 3,715 |
| Core capital (leverage) ratio | 10.4661% | 2,927 |
| Tier 1 risk-based capital ratio | 27.6658% | 651 |
| Total risk-based capital ratio | 28.9485% | 639 |
| Memoranda: | ||
| Average total assets | $154,365,670 | 3,698 |
| Average earning assets | $144,800,670 | 3,651 |
| Average equity | $16,575,330 | 3,690 |
| Average total loans | $36,587,670 | 5,557 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9090% | 6,602 |
| Cost of funding earning assets | 1.0292% | 521 |
| Net interest margin | 1.8798% | 6,875 |
| Noninterest income to average assets | 0.1238% | 6,481 |
| Noninterest expense to average assets | 1.4705% | 6,769 |
| Loan and lease loss provision to assets | 0.2064% | 1,801 |
| Net operating income to assets | 0.1728% | 5,975 |
| Return on assets (ROA) | 0.1728% | 6,076 |
| Pretax return on assets | 0.1857% | 6,104 |
| Return on Equity (ROE) | 1.5681% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.5681% | 5,200 |
| Net charge-offs to loans | 0.8384% | 718 |
| Credit loss provision to net charge-offs | 105.2632% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,166 |
| Efficiency ratio | 78.9474% | 2,470 |
| Assets per employee ($millions) | 12.9969% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1144% | 258 |
| Loan loss allowance to noncurrent loans | 228.5290% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,231 |
| Noncurrent loans to loans | 1.8004% | 2,861 |
| Net loans and leases to total assets | 22.9817% | 6,797 |
| Net loans and leases to deposits | 25.9625% | 6,820 |
| Net loans and leases to core deposits | 27.5239% | 6,808 |
| Total domestic deposits to total assets | 88.5191% | 1,994 |
| Equity capital to assets | 10.9455% | 3,022 |
| Core capital (leverage) ratio | 10.2973% | 3,017 |
| Tier 1 risk-based capital ratio | 27.9631% | 644 |
| Total risk-based capital ratio | 29.1329% | 632 |
| Memoranda: | ||
| Average total assets | $155,048,500 | 3,722 |
| Average earning assets | $143,417,500 | 3,706 |
| Average equity | $17,091,000 | 3,656 |
| Average total loans | $36,258,000 | 5,608 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0656% | 6,740 |
| Cost of funding earning assets | 1.2012% | 576 |
| Net interest margin | 1.8643% | 6,948 |
| Noninterest income to average assets | 0.1632% | 6,218 |
| Noninterest expense to average assets | 1.5140% | 6,864 |
| Loan and lease loss provision to assets | 0.2352% | 2,783 |
| Net operating income to assets | 0.1567% | 5,876 |
| Return on assets (ROA) | 0.2193% | 5,923 |
| Pretax return on assets | 0.2371% | 5,936 |
| Return on Equity (ROE) | 1.9702% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.9702% | 4,837 |
| Net charge-offs to loans | 0.3837% | 2,723 |
| Credit loss provision to net charge-offs | 256.1151% | 937 |
| Earnings coverage of net charge-offs (x) | 4.4029% | 3,377 |
| Efficiency ratio | 78.9256% | 2,288 |
| Assets per employee ($millions) | 11.8565% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3632% | 217 |
| Loan loss allowance to noncurrent loans | 162.9118% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 4,800 |
| Noncurrent loans to loans | 2.6782% | 1,975 |
| Net loans and leases to total assets | 21.8005% | 6,900 |
| Net loans and leases to deposits | 24.6620% | 6,918 |
| Net loans and leases to core deposits | 26.1651% | 6,907 |
| Total domestic deposits to total assets | 88.3971% | 1,965 |
| Equity capital to assets | 11.1014% | 2,832 |
| Core capital (leverage) ratio | 10.3839% | 2,906 |
| Tier 1 risk-based capital ratio | 29.4575% | 536 |
| Total risk-based capital ratio | 30.6301% | 533 |
| Memoranda: | ||
| Average total assets | $151,384,000 | 3,750 |
| Average earning assets | $142,519,000 | 3,688 |
| Average equity | $16,851,400 | 3,650 |
| Average total loans | $36,229,400 | 5,672 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0975% | 6,852 |
| Cost of funding earning assets | 1.2302% | 598 |
| Net interest margin | 1.8673% | 7,066 |
| Noninterest income to average assets | 0.1486% | 6,406 |
| Noninterest expense to average assets | 1.5377% | 6,922 |
| Loan and lease loss provision to assets | 0.1548% | 3,588 |
| Net operating income to assets | 0.2107% | 5,889 |
| Return on assets (ROA) | 0.2247% | 6,029 |
| Pretax return on assets | 0.2424% | 6,057 |
| Return on Equity (ROE) | 2.0175% | 6,018 |
| Retained earnings to average equity (ytd only) | 2.0175% | 5,314 |
| Net charge-offs to loans | 0.3543% | 2,685 |
| Credit loss provision to net charge-offs | 180.4124% | 1,543 |
| Earnings coverage of net charge-offs (x) | 4.4536% | 3,301 |
| Efficiency ratio | 80.0922% | 2,084 |
| Assets per employee ($millions) | 11.8612% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9680% | 320 |
| Loan loss allowance to noncurrent loans | 206.6667% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 5,575 |
| Noncurrent loans to loans | 1.9200% | 2,938 |
| Net loans and leases to total assets | 21.8950% | 7,003 |
| Net loans and leases to deposits | 24.7953% | 7,026 |
| Net loans and leases to core deposits | 26.2531% | 7,016 |
| Total domestic deposits to total assets | 88.3031% | 1,849 |
| Equity capital to assets | 11.1495% | 3,093 |
| Core capital (leverage) ratio | 10.3395% | 3,117 |
| Tier 1 risk-based capital ratio | 30.3909% | 510 |
| Total risk-based capital ratio | 31.5797% | 501 |
| Memoranda: | ||
| Average total assets | $150,696,500 | 3,807 |
| Average earning assets | $142,951,000 | 3,717 |
| Average equity | $16,786,500 | 3,693 |
| Average total loans | $36,503,000 | 5,726 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1190% | 6,921 |
| Cost of funding earning assets | 1.2439% | 670 |
| Net interest margin | 1.8751% | 7,136 |
| Noninterest income to average assets | 0.2434% | 5,830 |
| Noninterest expense to average assets | 1.5569% | 6,968 |
| Loan and lease loss provision to assets | 0.2140% | 2,933 |
| Net operating income to assets | 0.2308% | 5,826 |
| Return on assets (ROA) | 0.2515% | 5,950 |
| Pretax return on assets | 0.2755% | 6,004 |
| Return on Equity (ROE) | 2.2581% | 5,964 |
| Retained earnings to average equity (ytd only) | 2.2581% | 5,068 |
| Net charge-offs to loans | 0.2219% | 3,245 |
| Credit loss provision to net charge-offs | 390.2439% | 759 |
| Earnings coverage of net charge-offs (x) | 8.5122% | 2,284 |
| Efficiency ratio | 76.9332% | 2,606 |
| Assets per employee ($millions) | 10.9380% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0621% | 326 |
| Loan loss allowance to noncurrent loans | 193.0108% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,546 |
| Noncurrent loans to loans | 2.1046% | 2,816 |
| Net loans and leases to total assets | 22.1476% | 7,058 |
| Net loans and leases to deposits | 25.0386% | 7,080 |
| Net loans and leases to core deposits | 26.5848% | 7,076 |
| Total domestic deposits to total assets | 88.4538% | 1,851 |
| Equity capital to assets | 11.0421% | 3,071 |
| Core capital (leverage) ratio | 10.3537% | 2,980 |
| Tier 1 risk-based capital ratio | 32.1613% | 433 |
| Total risk-based capital ratio | 33.3347% | 431 |
| Memoranda: | ||
| Average total assets | $149,530,330 | 3,846 |
| Average earning assets | $141,968,330 | 3,751 |
| Average equity | $16,651,330 | 3,708 |
| Average total loans | $36,952,000 | 5,736 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1375% | 6,984 |
| Cost of funding earning assets | 1.2567% | 756 |
| Net interest margin | 1.8808% | 7,189 |
| Noninterest income to average assets | 0.1841% | 6,275 |
| Noninterest expense to average assets | 1.6354% | 6,947 |
| Loan and lease loss provision to assets | 0.0677% | 4,564 |
| Net operating income to assets | 0.2609% | 5,777 |
| Return on assets (ROA) | 0.3033% | 5,813 |
| Pretax return on assets | 0.3303% | 5,908 |
| Return on Equity (ROE) | 2.7115% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.7115% | 4,904 |
| Net charge-offs to loans | -0.4132% | 7,120 |
| Credit loss provision to net charge-offs | -64.1026% | 5,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2888% | 1,901 |
| Assets per employee ($millions) | 13.6532% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7326% | 450 |
| Loan loss allowance to noncurrent loans | 136.3277% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 5,211 |
| Noncurrent loans to loans | 2.7380% | 2,380 |
| Net loans and leases to total assets | 23.7154% | 7,087 |
| Net loans and leases to deposits | 26.7948% | 7,114 |
| Net loans and leases to core deposits | 28.4818% | 7,096 |
| Total domestic deposits to total assets | 88.5075% | 2,010 |
| Equity capital to assets | 10.9711% | 2,938 |
| Core capital (leverage) ratio | 10.4824% | 2,771 |
| Tier 1 risk-based capital ratio | 32.3793% | 416 |
| Total risk-based capital ratio | 33.5746% | 412 |
| Memoranda: | ||
| Average total assets | $147,729,500 | 3,913 |
| Average earning assets | $141,643,000 | 3,787 |
| Average equity | $16,522,500 | 3,729 |
| Average total loans | $37,752,500 | 5,743 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 6,895 |
| Cost of funding earning assets | 1.3525% | 1,227 |
| Net interest margin | 2.2949% | 7,144 |
| Noninterest income to average assets | 0.2589% | 5,684 |
| Noninterest expense to average assets | 1.7628% | 6,996 |
| Loan and lease loss provision to assets | 0.5249% | 1,997 |
| Net operating income to assets | 0.2284% | 5,496 |
| Return on assets (ROA) | 0.2440% | 5,586 |
| Pretax return on assets | 0.2015% | 5,784 |
| Return on Equity (ROE) | 2.1841% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.1841% | 4,657 |
| Net charge-offs to loans | 1.0392% | 1,670 |
| Credit loss provision to net charge-offs | 172.8972% | 1,530 |
| Earnings coverage of net charge-offs (x) | 2.3411% | 4,045 |
| Efficiency ratio | 71.2647% | 3,738 |
| Assets per employee ($millions) | 11.1749% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4202% | 566 |
| Loan loss allowance to noncurrent loans | 112.6604% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 4,911 |
| Noncurrent loans to loans | 3.0358% | 2,138 |
| Net loans and leases to total assets | 25.5999% | 7,127 |
| Net loans and leases to deposits | 29.0769% | 7,152 |
| Net loans and leases to core deposits | 31.0030% | 7,132 |
| Total domestic deposits to total assets | 88.0419% | 2,127 |
| Equity capital to assets | 11.4047% | 2,596 |
| Core capital (leverage) ratio | 10.7764% | 2,452 |
| Tier 1 risk-based capital ratio | 37.4137% | 282 |
| Total risk-based capital ratio | 38.6869% | 276 |
| Memoranda: | ||
| Average total assets | $140,970,000 | 3,961 |
| Average earning assets | $136,040,000 | 3,819 |
| Average equity | $15,750,000 | 3,762 |
| Average total loans | $41,186,000 | 5,634 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 6,879 |
| Cost of funding earning assets | 1.3763% | 1,336 |
| Net interest margin | 2.3868% | 7,182 |
| Noninterest income to average assets | 0.2640% | 5,729 |
| Noninterest expense to average assets | 1.7070% | 7,090 |
| Loan and lease loss provision to assets | 0.5576% | 1,762 |
| Net operating income to assets | 0.2687% | 5,513 |
| Return on assets (ROA) | 0.2754% | 5,648 |
| Pretax return on assets | 0.3078% | 5,689 |
| Return on Equity (ROE) | 2.4787% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.4787% | 4,884 |
| Net charge-offs to loans | 1.0448% | 1,526 |
| Credit loss provision to net charge-offs | 178.3537% | 1,671 |
| Earnings coverage of net charge-offs (x) | 2.7439% | 3,758 |
| Efficiency ratio | 66.5552% | 4,611 |
| Assets per employee ($millions) | 10.2712% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1571% | 761 |
| Loan loss allowance to noncurrent loans | 122.6433% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 5,131 |
| Noncurrent loans to loans | 2.5742% | 2,693 |
| Net loans and leases to total assets | 26.9206% | 7,175 |
| Net loans and leases to deposits | 30.6105% | 7,209 |
| Net loans and leases to core deposits | 32.5464% | 7,191 |
| Total domestic deposits to total assets | 87.9455% | 2,064 |
| Equity capital to assets | 11.6046% | 2,583 |
| Core capital (leverage) ratio | 10.8582% | 2,513 |
| Tier 1 risk-based capital ratio | 36.2455% | 313 |
| Total risk-based capital ratio | 37.5167% | 312 |
| Memoranda: | ||
| Average total assets | $139,894,000 | 3,997 |
| Average earning assets | $134,851,750 | 3,868 |
| Average equity | $15,545,500 | 3,816 |
| Average total loans | $41,855,750 | 5,653 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 6,927 |
| Cost of funding earning assets | 1.4075% | 1,387 |
| Net interest margin | 2.3829% | 7,239 |
| Noninterest income to average assets | 0.2237% | 6,073 |
| Noninterest expense to average assets | 1.7649% | 7,117 |
| Loan and lease loss provision to assets | 0.5051% | 1,939 |
| Net operating income to assets | 0.2179% | 5,674 |
| Return on assets (ROA) | 0.2179% | 5,790 |
| Pretax return on assets | 0.2453% | 5,820 |
| Return on Equity (ROE) | 1.9914% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.9914% | 4,982 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1664% | 4,085 |
| Assets per employee ($millions) | 9.4823% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3295% | 685 |
| Loan loss allowance to noncurrent loans | 105.6075% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 4,963 |
| Noncurrent loans to loans | 3.1527% | 2,283 |
| Net loans and leases to total assets | 27.6804% | 7,251 |
| Net loans and leases to deposits | 31.3192% | 7,287 |
| Net loans and leases to core deposits | 33.3111% | 7,269 |
| Total domestic deposits to total assets | 88.3818% | 1,925 |
| Equity capital to assets | 11.1774% | 2,784 |
| Core capital (leverage) ratio | 10.8307% | 2,389 |
| Tier 1 risk-based capital ratio | 35.4445% | 333 |
| Total risk-based capital ratio | 36.7173% | 330 |
| Memoranda: | ||
| Average total assets | $138,593,000 | 4,054 |
| Average earning assets | $133,284,000 | 3,920 |
| Average equity | $15,165,000 | 3,881 |
| Average total loans | $42,483,330 | 5,684 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 6,888 |
| Cost of funding earning assets | 1.4307% | 1,465 |
| Net interest margin | 2.4200% | 7,246 |
| Noninterest income to average assets | 0.2047% | 6,264 |
| Noninterest expense to average assets | 1.8015% | 7,139 |
| Loan and lease loss provision to assets | 0.4679% | 1,879 |
| Net operating income to assets | 0.2281% | 5,687 |
| Return on assets (ROA) | 0.2281% | 5,755 |
| Pretax return on assets | 0.2603% | 5,778 |
| Return on Equity (ROE) | 2.1083% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.1083% | 4,875 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2139% | 4,008 |
| Assets per employee ($millions) | 9.8975% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 1,168 |
| Loan loss allowance to noncurrent loans | 89.4172% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0623% | 4,805 |
| Noncurrent loans to loans | 3.0619% | 2,453 |
| Net loans and leases to total assets | 29.8936% | 7,231 |
| Net loans and leases to deposits | 33.6589% | 7,278 |
| Net loans and leases to core deposits | 35.7845% | 7,268 |
| Total domestic deposits to total assets | 88.8132% | 1,887 |
| Equity capital to assets | 10.6982% | 2,993 |
| Core capital (leverage) ratio | 10.9860% | 2,201 |
| Tier 1 risk-based capital ratio | 32.2364% | 427 |
| Total risk-based capital ratio | 33.5008% | 418 |
| Memoranda: | ||
| Average total assets | $136,772,500 | 4,124 |
| Average earning assets | $131,406,000 | 3,990 |
| Average equity | $14,798,500 | 3,939 |
| Average total loans | $43,361,500 | 5,690 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 7,110 |
| Cost of funding earning assets | 1.5742% | 2,220 |
| Net interest margin | 2.4559% | 7,297 |
| Noninterest income to average assets | 0.1985% | 6,356 |
| Noninterest expense to average assets | 1.7008% | 7,351 |
| Loan and lease loss provision to assets | 0.3894% | 3,778 |
| Net operating income to assets | 0.4220% | 4,453 |
| Return on assets (ROA) | 0.4220% | 4,582 |
| Pretax return on assets | 0.4273% | 4,860 |
| Return on Equity (ROE) | 3.7332% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.7332% | 3,255 |
| Net charge-offs to loans | 0.4901% | 3,664 |
| Credit loss provision to net charge-offs | 228.4444% | 1,287 |
| Earnings coverage of net charge-offs (x) | 4.7911% | 2,803 |
| Efficiency ratio | 67.5594% | 4,656 |
| Assets per employee ($millions) | 8.9987% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2794% | 1,726 |
| Loan loss allowance to noncurrent loans | 86.7241% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 5,198 |
| Noncurrent loans to loans | 2.6283% | 2,894 |
| Net loans and leases to total assets | 31.9521% | 7,289 |
| Net loans and leases to deposits | 36.1051% | 7,344 |
| Net loans and leases to core deposits | 38.4579% | 7,338 |
| Total domestic deposits to total assets | 88.4976% | 1,946 |
| Equity capital to assets | 10.9446% | 2,735 |
| Core capital (leverage) ratio | 11.2215% | 1,996 |
| Tier 1 risk-based capital ratio | 33.9470% | 374 |
| Total risk-based capital ratio | 35.2093% | 367 |
| Memoranda: | ||
| Average total assets | $132,000,400 | 4,220 |
| Average earning assets | $124,637,800 | 4,143 |
| Average equity | $14,920,200 | 3,952 |
| Average total loans | $45,912,200 | 5,650 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 7,177 |
| Cost of funding earning assets | 1.6029% | 2,372 |
| Net interest margin | 2.5205% | 7,362 |
| Noninterest income to average assets | 0.2011% | 6,460 |
| Noninterest expense to average assets | 1.6801% | 7,449 |
| Loan and lease loss provision to assets | 0.4764% | 3,088 |
| Net operating income to assets | 0.3809% | 4,830 |
| Return on assets (ROA) | 0.3809% | 5,022 |
| Pretax return on assets | 0.4134% | 5,180 |
| Return on Equity (ROE) | 3.3428% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.3428% | 4,096 |
| Net charge-offs to loans | 0.6471% | 2,811 |
| Credit loss provision to net charge-offs | 208.4444% | 1,692 |
| Earnings coverage of net charge-offs (x) | 3.8934% | 3,265 |
| Efficiency ratio | 65.3755% | 4,982 |
| Assets per employee ($millions) | 8.2675% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 2,087 |
| Loan loss allowance to noncurrent loans | 90.4045% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 5,488 |
| Noncurrent loans to loans | 2.2748% | 3,360 |
| Net loans and leases to total assets | 34.6001% | 7,324 |
| Net loans and leases to deposits | 39.4887% | 7,386 |
| Net loans and leases to core deposits | 42.1450% | 7,371 |
| Total domestic deposits to total assets | 87.6202% | 2,199 |
| Equity capital to assets | 11.7879% | 2,295 |
| Core capital (leverage) ratio | 11.3987% | 2,010 |
| Tier 1 risk-based capital ratio | 32.2229% | 430 |
| Total risk-based capital ratio | 33.4657% | 419 |
| Memoranda: | ||
| Average total assets | $131,255,500 | 4,293 |
| Average earning assets | $123,359,250 | 4,216 |
| Average equity | $14,957,000 | 3,997 |
| Average total loans | $46,356,500 | 5,715 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 7,180 |
| Cost of funding earning assets | 1.6405% | 2,432 |
| Net interest margin | 2.5510% | 7,384 |
| Noninterest income to average assets | 0.1940% | 6,513 |
| Noninterest expense to average assets | 1.6423% | 7,539 |
| Loan and lease loss provision to assets | 0.6493% | 2,217 |
| Net operating income to assets | 0.2475% | 5,386 |
| Return on assets (ROA) | 0.2475% | 5,528 |
| Pretax return on assets | 0.2780% | 5,570 |
| Return on Equity (ROE) | 2.1974% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.1974% | 4,747 |
| Net charge-offs to loans | 0.6446% | 2,609 |
| Credit loss provision to net charge-offs | 285.2349% | 1,303 |
| Earnings coverage of net charge-offs (x) | 4.0738% | 3,064 |
| Efficiency ratio | 63.9120% | 5,357 |
| Assets per employee ($millions) | 8.2574% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1344% | 1,897 |
| Loan loss allowance to noncurrent loans | 78.3123% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 5,216 |
| Noncurrent loans to loans | 2.7255% | 2,923 |
| Net loans and leases to total assets | 34.4614% | 7,408 |
| Net loans and leases to deposits | 39.1498% | 7,460 |
| Net loans and leases to core deposits | 41.6815% | 7,458 |
| Total domestic deposits to total assets | 88.0244% | 1,988 |
| Equity capital to assets | 11.3640% | 2,547 |
| Core capital (leverage) ratio | 11.2202% | 2,087 |
| Tier 1 risk-based capital ratio | 30.7481% | 468 |
| Total risk-based capital ratio | 32.0071% | 465 |
| Memoranda: | ||
| Average total assets | $130,914,000 | 4,328 |
| Average earning assets | $121,915,330 | 4,273 |
| Average equity | $14,745,000 | 4,041 |
| Average total loans | $46,232,000 | 5,752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 7,153 |
| Cost of funding earning assets | 1.7214% | 2,285 |
| Net interest margin | 2.5653% | 7,416 |
| Noninterest income to average assets | 0.1934% | 6,580 |
| Noninterest expense to average assets | 1.7681% | 7,501 |
| Loan and lease loss provision to assets | 0.3990% | 2,980 |
| Net operating income to assets | 0.3346% | 5,146 |
| Return on assets (ROA) | 0.3346% | 5,269 |
| Pretax return on assets | 0.3776% | 5,357 |
| Return on Equity (ROE) | 2.9842% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.9842% | 4,340 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4813% | 4,413 |
| Assets per employee ($millions) | 8.2580% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8282% | 2,645 |
| Loan loss allowance to noncurrent loans | 77.8493% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 5,506 |
| Noncurrent loans to loans | 2.3484% | 3,336 |
| Net loans and leases to total assets | 34.4227% | 7,480 |
| Net loans and leases to deposits | 39.0954% | 7,545 |
| Net loans and leases to core deposits | 41.6243% | 7,534 |
| Total domestic deposits to total assets | 88.0480% | 2,031 |
| Equity capital to assets | 11.2096% | 2,580 |
| Core capital (leverage) ratio | 11.1672% | 2,119 |
| Tier 1 risk-based capital ratio | 34.4555% | 371 |
| Total risk-based capital ratio | 35.6868% | 364 |
| Memoranda: | ||
| Average total assets | $130,311,500 | 4,405 |
| Average earning assets | $119,438,000 | 4,389 |
| Average equity | $14,610,500 | 4,095 |
| Average total loans | $46,086,500 | 5,832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 7,275 |
| Cost of funding earning assets | 1.9525% | 3,199 |
| Net interest margin | 2.6563% | 7,270 |
| Noninterest income to average assets | 0.2233% | 6,518 |
| Noninterest expense to average assets | 1.9528% | 7,435 |
| Loan and lease loss provision to assets | 0.2712% | 5,243 |
| Net operating income to assets | 0.4465% | 3,941 |
| Return on assets (ROA) | 0.4465% | 4,063 |
| Pretax return on assets | 0.4850% | 4,224 |
| Return on Equity (ROE) | 3.6821% | 4,212 |
| Retained earnings to average equity (ytd only) | 3.6821% | 2,612 |
| Net charge-offs to loans | 0.0021% | 7,223 |
| Credit loss provision to net charge-offs | 31,700.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 884.0000% | 27 |
| Efficiency ratio | 72.0871% | 4,247 |
| Assets per employee ($millions) | 8.5663% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 3,424 |
| Loan loss allowance to noncurrent loans | 69.6117% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 5,502 |
| Noncurrent loans to loans | 2.2467% | 3,337 |
| Net loans and leases to total assets | 35.1197% | 7,556 |
| Net loans and leases to deposits | 39.8920% | 7,629 |
| Net loans and leases to core deposits | 46.6641% | 7,651 |
| Total domestic deposits to total assets | 88.0369% | 1,959 |
| Equity capital to assets | 11.2144% | 2,519 |
| Core capital (leverage) ratio | 11.3400% | 2,011 |
| Tier 1 risk-based capital ratio | 34.7346% | 348 |
| Total risk-based capital ratio | 35.9891% | 344 |
| Memoranda: | ||
| Average total assets | $116,906,400 | 4,662 |
| Average earning assets | $109,400,600 | 4,583 |
| Average equity | $14,176,600 | 4,215 |
| Average total loans | $46,987,200 | 5,807 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 7,311 |
| Cost of funding earning assets | 2.0054% | 3,334 |
| Net interest margin | 2.6746% | 7,254 |
| Noninterest income to average assets | 0.2269% | 6,606 |
| Noninterest expense to average assets | 1.9764% | 7,424 |
| Loan and lease loss provision to assets | 0.2596% | 4,883 |
| Net operating income to assets | 0.4596% | 4,164 |
| Return on assets (ROA) | 0.4596% | 4,268 |
| Pretax return on assets | 0.4959% | 4,529 |
| Return on Equity (ROE) | 3.7114% | 4,491 |
| Retained earnings to average equity (ytd only) | 3.7114% | 3,211 |
| Net charge-offs to loans | 0.0028% | 6,953 |
| Credit loss provision to net charge-offs | 22,200.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 647.6015% | 43 |
| Efficiency ratio | 72.3459% | 4,183 |
| Assets per employee ($millions) | 7.5178% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,438 |
| Loan loss allowance to noncurrent loans | 82.3841% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 5,878 |
| Noncurrent loans to loans | 1.5903% | 4,251 |
| Net loans and leases to total assets | 38.9517% | 7,507 |
| Net loans and leases to deposits | 44.8170% | 7,602 |
| Net loans and leases to core deposits | 50.8553% | 7,667 |
| Total domestic deposits to total assets | 86.9127% | 2,222 |
| Equity capital to assets | 12.2800% | 2,079 |
| Core capital (leverage) ratio | 12.0541% | 1,780 |
| Tier 1 risk-based capital ratio | 35.6189% | 369 |
| Total risk-based capital ratio | 36.8726% | 361 |
| Memoranda: | ||
| Average total assets | $114,009,250 | 4,743 |
| Average earning assets | $106,777,750 | 4,685 |
| Average equity | $14,118,250 | 4,264 |
| Average total loans | $47,273,000 | 5,838 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 7,342 |
| Cost of funding earning assets | 2.0764% | 3,389 |
| Net interest margin | 2.6593% | 7,285 |
| Noninterest income to average assets | 0.2305% | 6,634 |
| Noninterest expense to average assets | 2.0122% | 7,441 |
| Loan and lease loss provision to assets | 0.2001% | 5,054 |
| Net operating income to assets | 0.4718% | 4,212 |
| Return on assets (ROA) | 0.4718% | 4,324 |
| Pretax return on assets | 0.4968% | 4,626 |
| Return on Equity (ROE) | 3.7984% | 4,579 |
| Retained earnings to average equity (ytd only) | 3.7984% | 3,178 |
| Net charge-offs to loans | 0.0212% | 6,210 |
| Credit loss provision to net charge-offs | 2,240.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 494 |
| Efficiency ratio | 74.2744% | 3,995 |
| Assets per employee ($millions) | 7.2544% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,709 |
| Loan loss allowance to noncurrent loans | 84.6667% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 6,140 |
| Noncurrent loans to loans | 1.2795% | 4,640 |
| Net loans and leases to total assets | 39.9635% | 7,557 |
| Net loans and leases to deposits | 45.8718% | 7,639 |
| Net loans and leases to core deposits | 52.1601% | 7,705 |
| Total domestic deposits to total assets | 87.1200% | 2,185 |
| Equity capital to assets | 12.0108% | 2,196 |
| Core capital (leverage) ratio | 12.3077% | 1,693 |
| Tier 1 risk-based capital ratio | 34.2149% | 439 |
| Total risk-based capital ratio | 35.4275% | 434 |
| Memoranda: | ||
| Average total assets | $111,917,330 | 4,828 |
| Average earning assets | $104,312,670 | 4,781 |
| Average equity | $13,900,670 | 4,326 |
| Average total loans | $47,205,670 | 5,879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 7,397 |
| Cost of funding earning assets | 2.1250% | 3,536 |
| Net interest margin | 2.6543% | 7,288 |
| Noninterest income to average assets | 0.2549% | 6,420 |
| Noninterest expense to average assets | 2.2469% | 6,703 |
| Loan and lease loss provision to assets | 0.1202% | 5,423 |
| Net operating income to assets | 0.2913% | 5,328 |
| Return on assets (ROA) | 0.2913% | 5,498 |
| Pretax return on assets | 0.3714% | 5,478 |
| Return on Equity (ROE) | 2.3054% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,595 |
| Net charge-offs to loans | 0.0422% | 4,890 |
| Credit loss provision to net charge-offs | 660.0000% | 878 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,152 |
| Efficiency ratio | 82.0479% | 2,525 |
| Assets per employee ($millions) | 7.1335% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 6,764 |
| Loan loss allowance to noncurrent loans | 60.5078% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 5,633 |
| Noncurrent loans to loans | 1.4843% | 4,070 |
| Net loans and leases to total assets | 41.4760% | 7,499 |
| Net loans and leases to deposits | 47.8027% | 7,583 |
| Net loans and leases to core deposits | 54.6602% | 7,661 |
| Total domestic deposits to total assets | 86.7649% | 2,332 |
| Equity capital to assets | 12.2810% | 2,089 |
| Core capital (leverage) ratio | 12.3831% | 1,729 |
| Tier 1 risk-based capital ratio | 34.1688% | 464 |
| Total risk-based capital ratio | 35.2048% | 461 |
| Memoranda: | ||
| Average total assets | $109,840,500 | 4,913 |
| Average earning assets | $102,775,000 | 4,839 |
| Average equity | $13,880,500 | 4,363 |
| Average total loans | $47,361,500 | 5,897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 7,874 |
| Cost of funding earning assets | 2.3710% | 4,847 |
| Net interest margin | 2.5702% | 7,675 |
| Noninterest income to average assets | 0.2394% | 6,732 |
| Noninterest expense to average assets | 1.9763% | 7,485 |
| Loan and lease loss provision to assets | 0.0492% | 6,795 |
| Net operating income to assets | 0.5387% | 4,585 |
| Return on assets (ROA) | 0.5387% | 4,430 |
| Pretax return on assets | 0.6179% | 4,633 |
| Return on Equity (ROE) | 4.2036% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.2036% | 2,506 |
| Net charge-offs to loans | 0.0491% | 6,089 |
| Credit loss provision to net charge-offs | 221.7391% | 2,158 |
| Earnings coverage of net charge-offs (x) | 30.0435% | 1,173 |
| Efficiency ratio | 74.7626% | 3,448 |
| Assets per employee ($millions) | 7.0363% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 6,881 |
| Loan loss allowance to noncurrent loans | 59.2319% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 5,295 |
| Noncurrent loans to loans | 1.4418% | 3,640 |
| Net loans and leases to total assets | 44.1082% | 7,461 |
| Net loans and leases to deposits | 51.2653% | 7,569 |
| Net loans and leases to core deposits | 58.6411% | 7,646 |
| Total domestic deposits to total assets | 86.0391% | 2,383 |
| Equity capital to assets | 13.0219% | 1,774 |
| Core capital (leverage) ratio | 13.2898% | 1,444 |
| Tier 1 risk-based capital ratio | 34.6902% | 456 |
| Total risk-based capital ratio | 35.6789% | 451 |
| Memoranda: | ||
| Average total assets | $103,579,800 | 4,947 |
| Average earning assets | $96,879,000 | 4,895 |
| Average equity | $13,274,400 | 4,503 |
| Average total loans | $46,837,200 | 5,831 |