Home > North Cambridge Co-operative Bank > Performance and Condition Ratios
North Cambridge Co-operative Bank, Performance and Condition Ratios
| 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 | 4.0077% | 4,252 |
| Cost of funding earning assets | 0.7967% | 4,172 |
| Net interest margin | 3.2109% | 2,540 |
| Noninterest income to average assets | 0.0400% | 4,422 |
| Noninterest expense to average assets | 3.0415% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0620% | 4,157 |
| Return on assets (ROA) | 0.9191% | 2,195 |
| Pretax return on assets | 1.2554% | 1,750 |
| Return on Equity (ROE) | 3.3900% | 3,782 |
| Retained earnings to average equity (ytd only) | 3.3861% | 2,876 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 94.6903% | 417 |
| Assets per employee ($millions) | 9.3614% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,075 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 59.8500% | 2,876 |
| Net loans and leases to deposits | 83.6230% | 1,745 |
| Net loans and leases to core deposits | 92.6713% | 1,862 |
| Total domestic deposits to total assets | 71.5700% | 4,239 |
| Equity capital to assets | 27.4174% | 169 |
| Core capital (leverage) ratio | 27.1371% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.1532% | 88 |
| Memoranda: | ||
| Average total assets | $84,432,000 | 3,967 |
| Average earning assets | $83,340,500 | 3,899 |
| Average equity | $22,917,500 | 2,731 |
| Average total loans | $51,160,000 | 3,833 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 4,038 |
| Cost of funding earning assets | 0.5648% | 4,125 |
| Net interest margin | 3.3791% | 2,450 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.4900% | 2,328 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6507% | 3,310 |
| Return on assets (ROA) | 0.7066% | 3,151 |
| Pretax return on assets | 0.9166% | 2,920 |
| Return on Equity (ROE) | 2.7500% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.7472% | 3,362 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.1791% | 1,437 |
| Assets per employee ($millions) | 9.4012% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,097 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.8400% | 2,856 |
| Net loans and leases to deposits | 82.6944% | 1,897 |
| Net loans and leases to core deposits | 92.5490% | 1,865 |
| Total domestic deposits to total assets | 72.3600% | 4,210 |
| Equity capital to assets | 26.8700% | 175 |
| Core capital (leverage) ratio | 26.3140% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.2083% | 85 |
| Memoranda: | ||
| Average total assets | $86,183,400 | 3,961 |
| Average earning assets | $84,638,000 | 3,887 |
| Average equity | $22,168,000 | 2,679 |
| Average total loans | $51,775,800 | 3,819 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 3,943 |
| Cost of funding earning assets | 0.5039% | 4,128 |
| Net interest margin | 3.4314% | 2,391 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 2.4486% | 2,375 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7160% | 3,274 |
| Return on assets (ROA) | 0.4666% | 3,835 |
| Pretax return on assets | 0.6160% | 3,712 |
| Return on Equity (ROE) | 1.8300% | 4,219 |
| Retained earnings to average equity (ytd only) | 1.8341% | 3,759 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.0109% | 1,567 |
| Assets per employee ($millions) | 9.4766% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,243 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.6700% | 2,880 |
| Net loans and leases to deposits | 81.4010% | 1,944 |
| Net loans and leases to core deposits | 90.3709% | 1,909 |
| Total domestic deposits to total assets | 73.3100% | 4,206 |
| Equity capital to assets | 25.9307% | 186 |
| Core capital (leverage) ratio | 26.1145% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.4740% | 86 |
| Memoranda: | ||
| Average total assets | $86,576,500 | 3,967 |
| Average earning assets | $84,937,750 | 3,896 |
| Average equity | $22,026,250 | 2,676 |
| Average total loans | $51,904,750 | 3,824 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 3,910 |
| Cost of funding earning assets | 0.4331% | 4,112 |
| Net interest margin | 3.4440% | 2,406 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 2.5010% | 2,206 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7151% | 3,314 |
| Return on assets (ROA) | 0.5172% | 3,780 |
| Pretax return on assets | 0.6620% | 3,684 |
| Return on Equity (ROE) | 2.0500% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.0458% | 3,715 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.7759% | 1,478 |
| Assets per employee ($millions) | 9.4281% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,267 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.6600% | 2,803 |
| Net loans and leases to deposits | 81.4981% | 1,871 |
| Net loans and leases to core deposits | 90.5279% | 1,759 |
| Total domestic deposits to total assets | 73.2100% | 4,241 |
| Equity capital to assets | 25.9838% | 183 |
| Core capital (leverage) ratio | 25.7560% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.1045% | 80 |
| Memoranda: | ||
| Average total assets | $87,005,667 | 3,978 |
| Average earning assets | $85,889,000 | 3,899 |
| Average equity | $21,996,333 | 2,694 |
| Average total loans | $52,030,333 | 3,832 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 3,764 |
| Cost of funding earning assets | 0.3494% | 4,077 |
| Net interest margin | 3.5034% | 2,354 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 2.4205% | 2,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7776% | 3,265 |
| Return on assets (ROA) | 0.2861% | 4,227 |
| Pretax return on assets | 0.4587% | 4,044 |
| Return on Equity (ROE) | 1.1500% | 4,371 |
| Retained earnings to average equity (ytd only) | 1.1470% | 3,845 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.1310% | 1,843 |
| Assets per employee ($millions) | 9.6947% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 2,996 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.3900% | 2,727 |
| Net loans and leases to deposits | 80.2298% | 1,801 |
| Net loans and leases to core deposits | 89.9899% | 1,616 |
| Total domestic deposits to total assets | 74.0200% | 4,286 |
| Equity capital to assets | 25.1868% | 152 |
| Core capital (leverage) ratio | 24.9283% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.0075% | 84 |
| Memoranda: | ||
| Average total assets | $88,082,000 | 4,018 |
| Average earning assets | $87,000,000 | 3,943 |
| Average equity | $21,970,500 | 2,719 |
| Average total loans | $52,417,000 | 3,872 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9189% | 4,223 |
| Cost of funding earning assets | 0.2210% | 3,588 |
| Net interest margin | 2.6979% | 4,057 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 2.2507% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2950% | 4,370 |
| Return on assets (ROA) | 0.0446% | 4,526 |
| Pretax return on assets | 0.0636% | 4,519 |
| Return on Equity (ROE) | 0.1800% | 4,536 |
| Retained earnings to average equity (ytd only) | 0.1831% | 4,315 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.5386% | 437 |
| Assets per employee ($millions) | 9.8791% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 2,850 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 58.3200% | 2,791 |
| Net loans and leases to deposits | 78.1233% | 1,936 |
| Net loans and leases to core deposits | 85.2268% | 1,805 |
| Total domestic deposits to total assets | 74.6500% | 4,333 |
| Equity capital to assets | 24.7042% | 153 |
| Core capital (leverage) ratio | 24.6614% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.5455% | 86 |
| Memoranda: | ||
| Average total assets | $89,616,400 | 4,020 |
| Average earning assets | $86,436,600 | 3,964 |
| Average equity | $21,850,400 | 2,784 |
| Average total loans | $53,008,600 | 3,847 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7709% | 4,222 |
| Cost of funding earning assets | 0.2153% | 3,086 |
| Net interest margin | 2.5556% | 4,158 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 2.1931% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2821% | 4,398 |
| Return on assets (ROA) | -0.5316% | 4,666 |
| Pretax return on assets | -0.5286% | 4,661 |
| Return on Equity (ROE) | -2.1900% | 4,623 |
| Retained earnings to average equity (ytd only) | -2.1874% | 4,496 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.4961% | 369 |
| Assets per employee ($millions) | 8.8313% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 2,927 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.2700% | 2,666 |
| Net loans and leases to deposits | 77.4908% | 1,760 |
| Net loans and leases to core deposits | 83.1225% | 1,710 |
| Total domestic deposits to total assets | 75.1900% | 4,398 |
| Equity capital to assets | 24.1595% | 149 |
| Core capital (leverage) ratio | 23.8600% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.9922% | 92 |
| Memoranda: | ||
| Average total assets | $89,792,500 | 4,048 |
| Average earning assets | $86,083,500 | 3,996 |
| Average equity | $21,821,750 | 2,835 |
| Average total loans | $53,152,250 | 3,866 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6267% | 4,246 |
| Cost of funding earning assets | 0.2263% | 2,568 |
| Net interest margin | 2.4004% | 4,226 |
| Noninterest income to average assets | 0.0266% | 4,689 |
| Noninterest expense to average assets | 2.1510% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1506% | 4,474 |
| Return on assets (ROA) | -0.8196% | 4,695 |
| Pretax return on assets | -0.8152% | 4,686 |
| Return on Equity (ROE) | -3.3661% | 4,652 |
| Retained earnings to average equity (ytd only) | -3.3661% | 4,475 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2757% | 312 |
| Assets per employee ($millions) | 8.9995% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.6621% | 2,566 |
| Net loans and leases to deposits | 76.3492% | 1,663 |
| Net loans and leases to core deposits | 81.7496% | 1,606 |
| Total domestic deposits to total assets | 75.5242% | 4,482 |
| Equity capital to assets | 23.8824% | 106 |
| Core capital (leverage) ratio | 23.7988% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.2769% | 54 |
| Memoranda: | ||
| Average total assets | $90,285,667 | 4,078 |
| Average earning assets | $85,734,667 | 4,050 |
| Average equity | $21,983,667 | 2,894 |
| Average total loans | $53,523,333 | 3,902 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6631% | 4,004 |
| Cost of funding earning assets | 0.2378% | 2,290 |
| Net interest margin | 2.4253% | 4,027 |
| Noninterest income to average assets | 0.0265% | 4,712 |
| Noninterest expense to average assets | 2.1276% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1460% | 4,410 |
| Return on assets (ROA) | -0.4467% | 4,685 |
| Pretax return on assets | -0.4379% | 4,672 |
| Return on Equity (ROE) | -1.8174% | 4,632 |
| Retained earnings to average equity (ytd only) | -1.8174% | 4,238 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2171% | 414 |
| Assets per employee ($millions) | 9.0034% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.1543% | 2,168 |
| Net loans and leases to deposits | 79.0169% | 1,210 |
| Net loans and leases to core deposits | 85.7412% | 1,148 |
| Total domestic deposits to total assets | 74.8628% | 4,547 |
| Equity capital to assets | 24.4808% | 93 |
| Core capital (leverage) ratio | 24.1276% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.5886% | 59 |
| Memoranda: | ||
| Average total assets | $90,431,000 | 4,094 |
| Average earning assets | $84,114,000 | 4,088 |
| Average equity | $22,229,000 | 2,968 |
| Average total loans | $54,047,500 | 3,899 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7216% | 4,292 |
| Cost of funding earning assets | 0.3063% | 2,344 |
| Net interest margin | 2.4153% | 4,306 |
| Noninterest income to average assets | 0.0268% | 4,762 |
| Noninterest expense to average assets | 2.3712% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1232% | 4,711 |
| Return on assets (ROA) | 0.2505% | 4,497 |
| Pretax return on assets | 0.5190% | 4,227 |
| Return on Equity (ROE) | 1.0067% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.0067% | 4,256 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1027% | 167 |
| Assets per employee ($millions) | 9.0828% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.0919% | 2,259 |
| Net loans and leases to deposits | 79.2125% | 1,279 |
| Net loans and leases to core deposits | 86.3199% | 1,182 |
| Total domestic deposits to total assets | 74.5992% | 4,570 |
| Equity capital to assets | 24.6807% | 96 |
| Core capital (leverage) ratio | 24.1874% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.2694% | 58 |
| Memoranda: | ||
| Average total assets | $89,404,400 | 4,104 |
| Average earning assets | $88,477,000 | 4,038 |
| Average equity | $22,251,800 | 3,039 |
| Average total loans | $53,867,800 | 3,934 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7769% | 4,326 |
| Cost of funding earning assets | 0.3254% | 2,346 |
| Net interest margin | 2.4515% | 4,340 |
| Noninterest income to average assets | 0.0270% | 4,836 |
| Noninterest expense to average assets | 2.3882% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1637% | 4,788 |
| Return on assets (ROA) | 0.2231% | 4,629 |
| Pretax return on assets | 0.5540% | 4,294 |
| Return on Equity (ROE) | 0.8944% | 4,697 |
| Retained earnings to average equity (ytd only) | 0.8944% | 4,431 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3748% | 180 |
| Assets per employee ($millions) | 8.9617% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.1169% | 2,246 |
| Net loans and leases to deposits | 80.8097% | 1,206 |
| Net loans and leases to core deposits | 88.5709% | 1,119 |
| Total domestic deposits to total assets | 74.3933% | 4,623 |
| Equity capital to assets | 24.8993% | 98 |
| Core capital (leverage) ratio | 24.3394% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.8001% | 57 |
| Memoranda: | ||
| Average total assets | $89,048,500 | 4,161 |
| Average earning assets | $88,105,500 | 4,092 |
| Average equity | $22,210,500 | 3,070 |
| Average total loans | $53,771,250 | 3,984 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8246% | 4,318 |
| Cost of funding earning assets | 0.3528% | 2,294 |
| Net interest margin | 2.4718% | 4,343 |
| Noninterest income to average assets | 0.0270% | 4,875 |
| Noninterest expense to average assets | 2.4443% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.2923% | 4,841 |
| Return on assets (ROA) | 0.1913% | 4,657 |
| Pretax return on assets | 0.6392% | 4,175 |
| Return on Equity (ROE) | 0.7666% | 4,727 |
| Retained earnings to average equity (ytd only) | 0.7666% | 4,385 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9071% | 176 |
| Assets per employee ($millions) | 8.8659% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.8342% | 2,326 |
| Net loans and leases to deposits | 81.9158% | 1,233 |
| Net loans and leases to core deposits | 89.9321% | 1,144 |
| Total domestic deposits to total assets | 74.2643% | 4,645 |
| Equity capital to assets | 25.1029% | 92 |
| Core capital (leverage) ratio | 24.6584% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.2997% | 59 |
| Memoranda: | ||
| Average total assets | $88,859,000 | 4,186 |
| Average earning assets | $87,871,333 | 4,114 |
| Average equity | $22,176,000 | 3,072 |
| Average total loans | $53,542,667 | 4,016 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8288% | 4,343 |
| Cost of funding earning assets | 0.3775% | 2,290 |
| Net interest margin | 2.4513% | 4,365 |
| Noninterest income to average assets | 0.0270% | 4,895 |
| Noninterest expense to average assets | 2.3247% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.4755% | 4,888 |
| Return on assets (ROA) | 0.3912% | 4,401 |
| Pretax return on assets | 1.2230% | 2,779 |
| Return on Equity (ROE) | 1.5721% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.5721% | 4,106 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8624% | 271 |
| Assets per employee ($millions) | 8.8750% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.1442% | 2,528 |
| Net loans and leases to deposits | 80.9567% | 1,427 |
| Net loans and leases to core deposits | 91.3069% | 1,152 |
| Total domestic deposits to total assets | 74.2918% | 4,656 |
| Equity capital to assets | 25.0783% | 91 |
| Core capital (leverage) ratio | 24.5815% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.6690% | 55 |
| Memoranda: | ||
| Average total assets | $88,959,000 | 4,202 |
| Average earning assets | $87,953,500 | 4,123 |
| Average equity | $22,136,000 | 3,067 |
| Average total loans | $53,055,500 | 4,034 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 4,181 |
| Cost of funding earning assets | 0.6395% | 2,059 |
| Net interest margin | 2.7692% | 4,298 |
| Noninterest income to average assets | 0.0343% | 4,889 |
| Noninterest expense to average assets | 2.2355% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4236% | 4,200 |
| Return on assets (ROA) | 0.3896% | 4,351 |
| Pretax return on assets | 0.3949% | 4,430 |
| Return on Equity (ROE) | 1.6802% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.6802% | 3,959 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8905% | 644 |
| Assets per employee ($millions) | 10.0068% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,385 |
| Loan loss allowance to noncurrent loans | 209.3525% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 2,906 |
| Noncurrent loans to loans | 0.5331% | 2,383 |
| Net loans and leases to total assets | 51.5340% | 3,699 |
| Net loans and leases to deposits | 66.3028% | 3,242 |
| Net loans and leases to core deposits | 74.4066% | 2,875 |
| Total domestic deposits to total assets | 77.7251% | 4,347 |
| Equity capital to assets | 22.0000% | 138 |
| Core capital (leverage) ratio | 22.4303% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.5519% | 57 |
| Memoranda: | ||
| Average total assets | $93,180,200 | 4,076 |
| Average earning assets | $88,509,000 | 4,048 |
| Average equity | $21,604,000 | 3,048 |
| Average total loans | $54,738,200 | 4,001 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 4,077 |
| Cost of funding earning assets | 0.6968% | 2,040 |
| Net interest margin | 2.8776% | 4,217 |
| Noninterest income to average assets | 0.0364% | 4,921 |
| Noninterest expense to average assets | 2.3383% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5015% | 4,030 |
| Return on assets (ROA) | 0.0160% | 4,779 |
| Pretax return on assets | 0.0000% | 4,784 |
| Return on Equity (ROE) | 0.0682% | 4,787 |
| Retained earnings to average equity (ytd only) | 0.0682% | 4,467 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8085% | 687 |
| Assets per employee ($millions) | 8.9614% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,301 |
| Loan loss allowance to noncurrent loans | 268.2028% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 3,223 |
| Noncurrent loans to loans | 0.4029% | 2,849 |
| Net loans and leases to total assets | 59.4494% | 3,284 |
| Net loans and leases to deposits | 78.5639% | 2,469 |
| Net loans and leases to core deposits | 89.7626% | 1,997 |
| Total domestic deposits to total assets | 75.6701% | 4,453 |
| Equity capital to assets | 23.9594% | 109 |
| Core capital (leverage) ratio | 23.4623% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,458,250 | 4,109 |
| Average earning assets | $88,591,250 | 4,049 |
| Average equity | $21,501,250 | 3,047 |
| Average total loans | $55,385,000 | 4,013 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 3,818 |
| Cost of funding earning assets | 0.7616% | 2,039 |
| Net interest margin | 3.0552% | 4,000 |
| Noninterest income to average assets | 0.0413% | 4,932 |
| Noninterest expense to average assets | 2.4133% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4867% | 4,051 |
| Return on assets (ROA) | -0.0521% | 4,816 |
| Pretax return on assets | -0.0999% | 4,824 |
| Return on Equity (ROE) | -0.2231% | 4,809 |
| Retained earnings to average equity (ytd only) | -0.2231% | 4,352 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5656% | 849 |
| Assets per employee ($millions) | 9.1505% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,230 |
| Loan loss allowance to noncurrent loans | 263.3484% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,353 |
| Noncurrent loans to loans | 0.4066% | 2,948 |
| Net loans and leases to total assets | 58.7695% | 3,446 |
| Net loans and leases to deposits | 77.1904% | 2,737 |
| Net loans and leases to core deposits | 91.7618% | 1,925 |
| Total domestic deposits to total assets | 76.1357% | 4,414 |
| Equity capital to assets | 23.4698% | 118 |
| Core capital (leverage) ratio | 23.1280% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,073,000 | 4,096 |
| Average earning assets | $89,027,667 | 4,041 |
| Average equity | $21,511,333 | 3,028 |
| Average total loans | $55,894,333 | 4,020 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,990 |
| Cost of funding earning assets | 0.8010% | 2,391 |
| Net interest margin | 3.4783% | 3,052 |
| Noninterest income to average assets | 0.0390% | 4,991 |
| Noninterest expense to average assets | 2.6333% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5717% | 3,683 |
| Return on assets (ROA) | 0.5717% | 3,747 |
| Pretax return on assets | 0.7536% | 3,538 |
| Return on Equity (ROE) | 2.4525% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.4525% | 3,290 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7494% | 1,368 |
| Assets per employee ($millions) | 9.1370% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,546 |
| Loan loss allowance to noncurrent loans | 148.0916% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 2,752 |
| Noncurrent loans to loans | 0.6954% | 2,254 |
| Net loans and leases to total assets | 61.2170% | 3,380 |
| Net loans and leases to deposits | 80.3638% | 2,641 |
| Net loans and leases to core deposits | 96.4596% | 1,752 |
| Total domestic deposits to total assets | 76.1749% | 4,469 |
| Equity capital to assets | 23.4114% | 137 |
| Core capital (leverage) ratio | 22.1546% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.6998% | 84 |
| Memoranda: | ||
| Average total assets | $92,357,000 | 4,089 |
| Average earning assets | $88,893,000 | 4,039 |
| Average equity | $21,529,000 | 3,023 |
| Average total loans | $56,662,000 | 4,018 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6254% | 4,754 |
| Cost of funding earning assets | 0.7608% | 2,869 |
| Net interest margin | 2.8647% | 4,693 |
| Noninterest income to average assets | 0.0385% | 5,057 |
| Noninterest expense to average assets | 2.1541% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4656% | 4,479 |
| Return on assets (ROA) | 0.4656% | 4,518 |
| Pretax return on assets | 0.6406% | 4,346 |
| Return on Equity (ROE) | 1.9916% | 4,801 |
| Retained earnings to average equity (ytd only) | 1.9916% | 4,005 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0776% | 1,257 |
| Assets per employee ($millions) | 9.3344% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,348 |
| Loan loss allowance to noncurrent loans | 124.3590% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 2,414 |
| Noncurrent loans to loans | 0.8238% | 1,860 |
| Net loans and leases to total assets | 60.2353% | 3,563 |
| Net loans and leases to deposits | 78.8197% | 2,926 |
| Net loans and leases to core deposits | 93.2716% | 2,132 |
| Total domestic deposits to total assets | 76.4216% | 4,559 |
| Equity capital to assets | 23.2120% | 155 |
| Core capital (leverage) ratio | 21.9708% | 175 |
| Tier 1 risk-based capital ratio | 46.9307% | 158 |
| Total risk-based capital ratio | 50.2345% | 136 |
| Memoranda: | ||
| Average total assets | $90,851,600 | 4,135 |
| Average earning assets | $87,410,200 | 4,075 |
| Average equity | $21,239,000 | 3,019 |
| Average total loans | $55,415,800 | 4,070 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,902 |
| Cost of funding earning assets | 0.7488% | 2,973 |
| Net interest margin | 2.8282% | 4,832 |
| Noninterest income to average assets | 0.0414% | 5,131 |
| Noninterest expense to average assets | 2.1353% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4758% | 4,578 |
| Return on assets (ROA) | 0.4758% | 4,615 |
| Pretax return on assets | 0.6354% | 4,478 |
| Return on Equity (ROE) | 2.0316% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.0316% | 4,259 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0667% | 1,209 |
| Assets per employee ($millions) | 9.1564% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,398 |
| Loan loss allowance to noncurrent loans | 91.5094% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 1,961 |
| Noncurrent loans to loans | 1.1260% | 1,412 |
| Net loans and leases to total assets | 61.0535% | 3,583 |
| Net loans and leases to deposits | 80.1178% | 2,885 |
| Net loans and leases to core deposits | 94.7573% | 2,105 |
| Total domestic deposits to total assets | 76.2046% | 4,623 |
| Equity capital to assets | 23.4415% | 151 |
| Core capital (leverage) ratio | 22.1165% | 173 |
| Tier 1 risk-based capital ratio | 46.4439% | 160 |
| Total risk-based capital ratio | 49.5659% | 147 |
| Memoranda: | ||
| Average total assets | $90,228,500 | 4,198 |
| Average earning assets | $87,073,000 | 4,133 |
| Average equity | $21,132,000 | 3,053 |
| Average total loans | $55,067,750 | 4,123 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 4,966 |
| Cost of funding earning assets | 0.7232% | 3,026 |
| Net interest margin | 2.8327% | 4,891 |
| Noninterest income to average assets | 0.0401% | 5,184 |
| Noninterest expense to average assets | 2.1318% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4812% | 4,571 |
| Return on assets (ROA) | 0.4812% | 4,604 |
| Pretax return on assets | 0.6482% | 4,451 |
| Return on Equity (ROE) | 2.0551% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.0551% | 4,092 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6827% | 1,310 |
| Assets per employee ($millions) | 9.0052% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,349 |
| Loan loss allowance to noncurrent loans | 94.7883% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 2,011 |
| Noncurrent loans to loans | 1.1051% | 1,479 |
| Net loans and leases to total assets | 61.0536% | 3,642 |
| Net loans and leases to deposits | 80.2347% | 2,925 |
| Net loans and leases to core deposits | 94.1487% | 2,231 |
| Total domestic deposits to total assets | 76.0938% | 4,654 |
| Equity capital to assets | 23.5975% | 146 |
| Core capital (leverage) ratio | 22.3016% | 164 |
| Tier 1 risk-based capital ratio | 47.7152% | 151 |
| Total risk-based capital ratio | 50.7465% | 143 |
| Memoranda: | ||
| Average total assets | $89,783,330 | 4,226 |
| Average earning assets | $86,842,000 | 4,156 |
| Average equity | $21,021,330 | 3,058 |
| Average total loans | $54,595,330 | 4,158 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5332% | 5,016 |
| Cost of funding earning assets | 0.7020% | 3,045 |
| Net interest margin | 2.8312% | 4,958 |
| Noninterest income to average assets | 0.0357% | 5,247 |
| Noninterest expense to average assets | 2.1015% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4730% | 4,590 |
| Return on assets (ROA) | 0.4730% | 4,613 |
| Pretax return on assets | 0.6514% | 4,412 |
| Return on Equity (ROE) | 2.0280% | 4,962 |
| Retained earnings to average equity (ytd only) | 2.0280% | 4,058 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3371% | 1,463 |
| Assets per employee ($millions) | 9.0057% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,247 |
| Loan loss allowance to noncurrent loans | 94.1748% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 2,041 |
| Noncurrent loans to loans | 1.1446% | 1,459 |
| Net loans and leases to total assets | 59.3069% | 3,762 |
| Net loans and leases to deposits | 77.6545% | 3,098 |
| Net loans and leases to core deposits | 90.9803% | 2,402 |
| Total domestic deposits to total assets | 76.3727% | 4,721 |
| Equity capital to assets | 23.3463% | 137 |
| Core capital (leverage) ratio | 22.1620% | 168 |
| Tier 1 risk-based capital ratio | 47.5834% | 149 |
| Total risk-based capital ratio | 50.5106% | 135 |
| Memoranda: | ||
| Average total assets | $89,649,000 | 4,270 |
| Average earning assets | $86,040,500 | 4,219 |
| Average equity | $20,907,000 | 3,077 |
| Average total loans | $54,112,000 | 4,205 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2774% | 5,098 |
| Cost of funding earning assets | 0.6359% | 2,489 |
| Net interest margin | 2.6415% | 5,128 |
| Noninterest income to average assets | 0.0404% | 5,290 |
| Noninterest expense to average assets | 2.0092% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4544% | 4,759 |
| Return on assets (ROA) | 0.4544% | 4,758 |
| Pretax return on assets | 0.5991% | 4,630 |
| Return on Equity (ROE) | 1.9697% | 5,046 |
| Retained earnings to average equity (ytd only) | 1.9697% | 4,361 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0323% | 1,233 |
| Assets per employee ($millions) | 9.9157% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,252 |
| Loan loss allowance to noncurrent loans | 93.5691% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 1,988 |
| Noncurrent loans to loans | 1.1469% | 1,400 |
| Net loans and leases to total assets | 60.1181% | 3,762 |
| Net loans and leases to deposits | 78.6507% | 3,087 |
| Net loans and leases to core deposits | 91.5732% | 2,445 |
| Total domestic deposits to total assets | 76.4368% | 4,697 |
| Equity capital to assets | 23.2953% | 141 |
| Core capital (leverage) ratio | 22.0233% | 164 |
| Tier 1 risk-based capital ratio | 48.2119% | 144 |
| Total risk-based capital ratio | 51.0158% | 132 |
| Memoranda: | ||
| Average total assets | $89,138,200 | 4,285 |
| Average earning assets | $86,654,200 | 4,209 |
| Average equity | $20,561,000 | 3,037 |
| Average total loans | $52,281,600 | 4,255 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2129% | 5,191 |
| Cost of funding earning assets | 0.6199% | 2,336 |
| Net interest margin | 2.5929% | 5,223 |
| Noninterest income to average assets | 0.0419% | 5,361 |
| Noninterest expense to average assets | 2.0079% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4533% | 4,848 |
| Return on assets (ROA) | 0.4533% | 4,856 |
| Pretax return on assets | 0.5686% | 4,785 |
| Return on Equity (ROE) | 1.9703% | 5,136 |
| Retained earnings to average equity (ytd only) | 1.9703% | 4,590 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9326% | 1,126 |
| Assets per employee ($millions) | 9.8879% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,205 |
| Loan loss allowance to noncurrent loans | 89.2638% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,026 |
| Noncurrent loans to loans | 1.2301% | 1,372 |
| Net loans and leases to total assets | 58.9060% | 3,955 |
| Net loans and leases to deposits | 77.1805% | 3,307 |
| Net loans and leases to core deposits | 89.8481% | 2,674 |
| Total domestic deposits to total assets | 76.3223% | 4,753 |
| Equity capital to assets | 23.3102% | 140 |
| Core capital (leverage) ratio | 22.5318% | 152 |
| Tier 1 risk-based capital ratio | 47.4823% | 155 |
| Total risk-based capital ratio | 50.4148% | 140 |
| Memoranda: | ||
| Average total assets | $89,112,500 | 4,325 |
| Average earning assets | $87,106,000 | 4,243 |
| Average equity | $20,504,000 | 3,067 |
| Average total loans | $51,794,000 | 4,318 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 5,242 |
| Cost of funding earning assets | 0.6064% | 2,185 |
| Net interest margin | 2.5765% | 5,289 |
| Noninterest income to average assets | 0.0426% | 5,422 |
| Noninterest expense to average assets | 2.0280% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4554% | 4,850 |
| Return on assets (ROA) | 0.4554% | 4,855 |
| Pretax return on assets | 0.5406% | 4,834 |
| Return on Equity (ROE) | 1.9879% | 5,175 |
| Retained earnings to average equity (ytd only) | 1.9879% | 4,465 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9520% | 1,120 |
| Assets per employee ($millions) | 10.9504% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,003 |
| Loan loss allowance to noncurrent loans | 88.7195% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 1,992 |
| Noncurrent loans to loans | 1.2916% | 1,323 |
| Net loans and leases to total assets | 57.3142% | 4,059 |
| Net loans and leases to deposits | 75.2285% | 3,425 |
| Net loans and leases to core deposits | 87.7672% | 2,744 |
| Total domestic deposits to total assets | 76.1869% | 4,839 |
| Equity capital to assets | 23.4261% | 136 |
| Core capital (leverage) ratio | 22.2070% | 159 |
| Tier 1 risk-based capital ratio | 48.9505% | 142 |
| Total risk-based capital ratio | 51.8617% | 124 |
| Memoranda: | ||
| Average total assets | $89,153,000 | 4,362 |
| Average earning assets | $87,405,000 | 4,268 |
| Average equity | $20,424,000 | 3,088 |
| Average total loans | $51,391,000 | 4,365 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1153% | 5,304 |
| Cost of funding earning assets | 0.5895% | 2,118 |
| Net interest margin | 2.5258% | 5,376 |
| Noninterest income to average assets | 0.0356% | 5,507 |
| Noninterest expense to average assets | 1.9482% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4137% | 4,903 |
| Return on assets (ROA) | 0.4137% | 4,907 |
| Pretax return on assets | 0.5649% | 4,759 |
| Return on Equity (ROE) | 1.8258% | 5,205 |
| Retained earnings to average equity (ytd only) | 1.8258% | 4,405 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5221% | 1,404 |
| Assets per employee ($millions) | 9.9916% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,210 |
| Loan loss allowance to noncurrent loans | 112.3552% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 2,597 |
| Noncurrent loans to loans | 1.0054% | 1,814 |
| Net loans and leases to total assets | 56.6456% | 4,063 |
| Net loans and leases to deposits | 73.7249% | 3,438 |
| Net loans and leases to core deposits | 85.9437% | 2,811 |
| Total domestic deposits to total assets | 76.8338% | 4,879 |
| Equity capital to assets | 22.7236% | 144 |
| Core capital (leverage) ratio | 21.5361% | 168 |
| Tier 1 risk-based capital ratio | 49.4856% | 134 |
| Total risk-based capital ratio | 52.4299% | 123 |
| Memoranda: | ||
| Average total assets | $89,928,000 | 4,401 |
| Average earning assets | $88,208,500 | 4,296 |
| Average equity | $20,375,000 | 3,123 |
| Average total loans | $51,691,000 | 4,405 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0839% | 5,306 |
| Cost of funding earning assets | 0.5555% | 1,906 |
| Net interest margin | 2.5284% | 5,392 |
| Noninterest income to average assets | 0.0356% | 5,560 |
| Noninterest expense to average assets | 1.9572% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3462% | 4,836 |
| Return on assets (ROA) | 0.3462% | 4,861 |
| Pretax return on assets | 0.5310% | 4,879 |
| Return on Equity (ROE) | 1.5426% | 5,147 |
| Retained earnings to average equity (ytd only) | 1.5426% | 4,381 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6577% | 1,258 |
| Assets per employee ($millions) | 9.9924% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,231 |
| Loan loss allowance to noncurrent loans | 47.3941% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 1,042 |
| Noncurrent loans to loans | 2.3678% | 591 |
| Net loans and leases to total assets | 57.0209% | 4,110 |
| Net loans and leases to deposits | 74.2295% | 3,502 |
| Net loans and leases to core deposits | 83.0432% | 3,149 |
| Total domestic deposits to total assets | 76.8169% | 4,879 |
| Equity capital to assets | 22.5904% | 136 |
| Core capital (leverage) ratio | 21.6019% | 156 |
| Tier 1 risk-based capital ratio | 48.2539% | 128 |
| Total risk-based capital ratio | 51.2134% | 120 |
| Memoranda: | ||
| Average total assets | $89,823,000 | 4,428 |
| Average earning assets | $87,128,800 | 4,345 |
| Average equity | $20,160,400 | 3,126 |
| Average total loans | $52,301,600 | 4,403 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 5,354 |
| Cost of funding earning assets | 0.5556% | 1,850 |
| Net interest margin | 2.5264% | 5,454 |
| Noninterest income to average assets | 0.0356% | 5,630 |
| Noninterest expense to average assets | 1.9629% | 5,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3415% | 5,132 |
| Return on assets (ROA) | 0.3415% | 5,156 |
| Pretax return on assets | 0.5167% | 4,991 |
| Return on Equity (ROE) | 1.5240% | 5,370 |
| Retained earnings to average equity (ytd only) | 1.5240% | 4,810 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1617% | 1,195 |
| Assets per employee ($millions) | 10.0110% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,455 |
| Loan loss allowance to noncurrent loans | 40.1103% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.6105% | 920 |
| Noncurrent loans to loans | 2.7548% | 507 |
| Net loans and leases to total assets | 57.8131% | 4,076 |
| Net loans and leases to deposits | 75.1406% | 3,452 |
| Net loans and leases to core deposits | 82.6311% | 3,237 |
| Total domestic deposits to total assets | 76.9398% | 4,907 |
| Equity capital to assets | 22.4697% | 139 |
| Core capital (leverage) ratio | 21.6556% | 153 |
| Tier 1 risk-based capital ratio | 48.7304% | 133 |
| Total risk-based capital ratio | 51.6079% | 124 |
| Memoranda: | ||
| Average total assets | $89,795,750 | 4,471 |
| Average earning assets | $86,868,000 | 4,393 |
| Average equity | $20,121,500 | 3,150 |
| Average total loans | $52,411,500 | 4,438 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0680% | 5,378 |
| Cost of funding earning assets | 0.5534% | 1,758 |
| Net interest margin | 2.5146% | 5,499 |
| Noninterest income to average assets | 0.0357% | 5,673 |
| Noninterest expense to average assets | 1.9488% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3367% | 5,132 |
| Return on assets (ROA) | 0.3367% | 5,155 |
| Pretax return on assets | 0.5084% | 4,994 |
| Return on Equity (ROE) | 1.5040% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.5040% | 4,647 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 1,293 |
| Assets per employee ($millions) | 9.8698% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,589 |
| Loan loss allowance to noncurrent loans | 38.7483% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.6909% | 859 |
| Noncurrent loans to loans | 2.8372% | 481 |
| Net loans and leases to total assets | 58.9431% | 3,926 |
| Net loans and leases to deposits | 76.8885% | 3,236 |
| Net loans and leases to core deposits | 84.6669% | 2,993 |
| Total domestic deposits to total assets | 76.6605% | 5,008 |
| Equity capital to assets | 22.6899% | 133 |
| Core capital (leverage) ratio | 21.5671% | 146 |
| Tier 1 risk-based capital ratio | 48.4490% | 132 |
| Total risk-based capital ratio | 51.2688% | 117 |
| Memoranda: | ||
| Average total assets | $89,694,670 | 4,499 |
| Average earning assets | $86,376,330 | 4,428 |
| Average equity | $20,080,330 | 3,151 |
| Average total loans | $52,325,000 | 4,458 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 5,422 |
| Cost of funding earning assets | 0.5485% | 1,726 |
| Net interest margin | 2.4916% | 5,554 |
| Noninterest income to average assets | 0.0355% | 5,752 |
| Noninterest expense to average assets | 1.9439% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3417% | 5,097 |
| Return on assets (ROA) | 0.3417% | 5,115 |
| Pretax return on assets | 0.4704% | 5,019 |
| Return on Equity (ROE) | 1.5367% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.5367% | 4,486 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5147% | 1,320 |
| Assets per employee ($millions) | 10.0311% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,616 |
| Loan loss allowance to noncurrent loans | 64.5949% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9980% | 1,827 |
| Noncurrent loans to loans | 1.7279% | 1,108 |
| Net loans and leases to total assets | 57.1123% | 4,053 |
| Net loans and leases to deposits | 74.0404% | 3,398 |
| Net loans and leases to core deposits | 81.3124% | 3,160 |
| Total domestic deposits to total assets | 77.1367% | 5,098 |
| Equity capital to assets | 22.2508% | 141 |
| Core capital (leverage) ratio | 21.4136% | 151 |
| Tier 1 risk-based capital ratio | 50.3549% | 127 |
| Total risk-based capital ratio | 53.2075% | 115 |
| Memoranda: | ||
| Average total assets | $90,128,000 | 4,539 |
| Average earning assets | $86,048,500 | 4,477 |
| Average equity | $20,043,000 | 3,171 |
| Average total loans | $52,017,500 | 4,506 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 5,203 |
| Cost of funding earning assets | 0.5886% | 1,418 |
| Net interest margin | 2.6838% | 5,437 |
| Noninterest income to average assets | 0.0377% | 5,800 |
| Noninterest expense to average assets | 1.9539% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3297% | 5,145 |
| Return on assets (ROA) | 0.3297% | 5,219 |
| Pretax return on assets | 0.4885% | 5,047 |
| Return on Equity (ROE) | 1.4990% | 5,487 |
| Retained earnings to average equity (ytd only) | 1.4990% | 4,661 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,420 |
| Assets per employee ($millions) | 9.9973% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,599 |
| Loan loss allowance to noncurrent loans | 77.6000% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 2,261 |
| Noncurrent loans to loans | 1.4453% | 1,404 |
| Net loans and leases to total assets | 57.0263% | 4,161 |
| Net loans and leases to deposits | 73.8454% | 3,531 |
| Net loans and leases to core deposits | 79.7631% | 3,414 |
| Total domestic deposits to total assets | 77.2239% | 5,086 |
| Equity capital to assets | 22.2259% | 142 |
| Core capital (leverage) ratio | 21.2804% | 158 |
| Tier 1 risk-based capital ratio | 53.8916% | 115 |
| Total risk-based capital ratio | 56.8268% | 107 |
| Memoranda: | ||
| Average total assets | $90,074,000 | 4,540 |
| Average earning assets | $80,705,000 | 4,578 |
| Average equity | $19,812,800 | 3,189 |
| Average total loans | $49,298,200 | 4,591 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3109% | 5,203 |
| Cost of funding earning assets | 0.5935% | 1,382 |
| Net interest margin | 2.7174% | 5,475 |
| Noninterest income to average assets | 0.0385% | 5,860 |
| Noninterest expense to average assets | 1.9682% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3241% | 5,231 |
| Return on assets (ROA) | 0.3241% | 5,309 |
| Pretax return on assets | 0.4824% | 5,165 |
| Return on Equity (ROE) | 1.4772% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.4772% | 4,924 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3140% | 1,406 |
| Assets per employee ($millions) | 9.8704% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,355 |
| Loan loss allowance to noncurrent loans | 102.6455% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 2,988 |
| Noncurrent loans to loans | 1.1519% | 1,945 |
| Net loans and leases to total assets | 54.7527% | 4,426 |
| Net loans and leases to deposits | 71.0193% | 3,887 |
| Net loans and leases to core deposits | 76.5619% | 3,784 |
| Total domestic deposits to total assets | 77.0955% | 5,067 |
| Equity capital to assets | 22.3597% | 153 |
| Core capital (leverage) ratio | 21.1844% | 162 |
| Tier 1 risk-based capital ratio | 56.9501% | 98 |
| Total risk-based capital ratio | 59.6301% | 91 |
| Memoranda: | ||
| Average total assets | $90,098,500 | 4,581 |
| Average earning assets | $79,975,250 | 4,624 |
| Average equity | $19,766,500 | 3,216 |
| Average total loans | $48,649,750 | 4,655 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 5,278 |
| Cost of funding earning assets | 0.6095% | 1,252 |
| Net interest margin | 2.6988% | 5,571 |
| Noninterest income to average assets | 0.0398% | 5,935 |
| Noninterest expense to average assets | 1.9333% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3226% | 5,256 |
| Return on assets (ROA) | 0.3226% | 5,339 |
| Pretax return on assets | 0.4839% | 5,166 |
| Return on Equity (ROE) | 1.4797% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.4797% | 4,787 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9817% | 1,495 |
| Assets per employee ($millions) | 10.0463% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 3,456 |
| Loan loss allowance to noncurrent loans | 101.7483% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,104 |
| Noncurrent loans to loans | 1.1609% | 1,976 |
| Net loans and leases to total assets | 53.8494% | 4,525 |
| Net loans and leases to deposits | 69.4426% | 4,038 |
| Net loans and leases to core deposits | 75.2674% | 3,886 |
| Total domestic deposits to total assets | 77.5452% | 5,078 |
| Equity capital to assets | 21.9417% | 155 |
| Core capital (leverage) ratio | 20.8696% | 164 |
| Tier 1 risk-based capital ratio | 57.1925% | 101 |
| Total risk-based capital ratio | 59.9033% | 93 |
| Memoranda: | ||
| Average total assets | $90,520,000 | 4,610 |
| Average earning assets | $79,740,330 | 4,667 |
| Average equity | $19,734,330 | 3,227 |
| Average total loans | $48,459,330 | 4,697 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3419% | 5,239 |
| Cost of funding earning assets | 0.6108% | 1,265 |
| Net interest margin | 2.7311% | 5,571 |
| Noninterest income to average assets | 0.0353% | 6,009 |
| Noninterest expense to average assets | 1.9962% | 5,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3003% | 5,304 |
| Return on assets (ROA) | 0.3003% | 5,384 |
| Pretax return on assets | 0.4284% | 5,249 |
| Return on Equity (ROE) | 1.3820% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.3820% | 4,706 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3315% | 1,342 |
| Assets per employee ($millions) | 10.0642% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 3,376 |
| Loan loss allowance to noncurrent loans | 78.5425% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 2,645 |
| Noncurrent loans to loans | 1.5505% | 1,505 |
| Net loans and leases to total assets | 52.1186% | 4,619 |
| Net loans and leases to deposits | 67.0540% | 4,149 |
| Net loans and leases to core deposits | 72.6299% | 4,017 |
| Total domestic deposits to total assets | 77.7264% | 5,191 |
| Equity capital to assets | 21.7890% | 156 |
| Core capital (leverage) ratio | 20.7687% | 170 |
| Tier 1 risk-based capital ratio | 49.0309% | 138 |
| Total risk-based capital ratio | 51.4686% | 130 |
| Memoranda: | ||
| Average total assets | $90,571,500 | 4,648 |
| Average earning assets | $79,236,500 | 4,724 |
| Average equity | $19,682,000 | 3,236 |
| Average total loans | $48,053,500 | 4,736 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 5,390 |
| Cost of funding earning assets | 0.5937% | 1,407 |
| Net interest margin | 2.6806% | 5,669 |
| Noninterest income to average assets | 0.0337% | 6,039 |
| Noninterest expense to average assets | 1.9993% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3163% | 5,315 |
| Return on assets (ROA) | 0.2954% | 5,452 |
| Pretax return on assets | 0.4616% | 5,196 |
| Return on Equity (ROE) | 1.3408% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.3408% | 4,961 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1802% | 1,650 |
| Assets per employee ($millions) | 10.0628% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 3,456 |
| Loan loss allowance to noncurrent loans | 90.5132% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 2,924 |
| Noncurrent loans to loans | 1.3308% | 1,771 |
| Net loans and leases to total assets | 52.7080% | 4,635 |
| Net loans and leases to deposits | 67.6891% | 4,154 |
| Net loans and leases to core deposits | 73.7118% | 3,966 |
| Total domestic deposits to total assets | 77.8678% | 5,193 |
| Equity capital to assets | 21.6728% | 156 |
| Core capital (leverage) ratio | 20.8598% | 164 |
| Tier 1 risk-based capital ratio | 56.0885% | 101 |
| Total risk-based capital ratio | 58.7408% | 93 |
| Memoranda: | ||
| Average total assets | $89,029,800 | 4,694 |
| Average earning assets | $81,697,400 | 4,680 |
| Average equity | $19,615,600 | 3,212 |
| Average total loans | $48,333,200 | 4,719 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2527% | 5,501 |
| Cost of funding earning assets | 0.5867% | 1,482 |
| Net interest margin | 2.6660% | 5,763 |
| Noninterest income to average assets | 0.0346% | 6,134 |
| Noninterest expense to average assets | 1.9764% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3515% | 5,310 |
| Return on assets (ROA) | 0.3565% | 5,384 |
| Pretax return on assets | 0.5400% | 5,128 |
| Return on Equity (ROE) | 1.6112% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.6112% | 5,061 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7770% | 1,845 |
| Assets per employee ($millions) | 9.9286% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 3,685 |
| Loan loss allowance to noncurrent loans | 85.2123% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 2,994 |
| Noncurrent loans to loans | 1.4029% | 1,812 |
| Net loans and leases to total assets | 53.8324% | 4,580 |
| Net loans and leases to deposits | 69.4989% | 4,041 |
| Net loans and leases to core deposits | 75.4865% | 3,859 |
| Total domestic deposits to total assets | 77.4578% | 5,273 |
| Equity capital to assets | 21.9916% | 158 |
| Core capital (leverage) ratio | 21.1835% | 168 |
| Tier 1 risk-based capital ratio | 45.5803% | 176 |
| Total risk-based capital ratio | 46.8319% | 172 |
| Memoranda: | ||
| Average total assets | $88,646,000 | 4,757 |
| Average earning assets | $82,268,500 | 4,731 |
| Average equity | $19,612,500 | 3,241 |
| Average total loans | $48,337,250 | 4,775 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2492% | 5,537 |
| Cost of funding earning assets | 0.5854% | 1,525 |
| Net interest margin | 2.6638% | 5,807 |
| Noninterest income to average assets | 0.0362% | 6,205 |
| Noninterest expense to average assets | 1.9455% | 5,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3733% | 5,227 |
| Return on assets (ROA) | 0.3733% | 5,341 |
| Pretax return on assets | 0.5610% | 5,070 |
| Return on Equity (ROE) | 1.6837% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.6837% | 4,854 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6173% | 2,121 |
| Assets per employee ($millions) | 9.7849% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 3,758 |
| Loan loss allowance to noncurrent loans | 131.0811% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 3,932 |
| Noncurrent loans to loans | 0.9198% | 2,829 |
| Net loans and leases to total assets | 54.1538% | 4,536 |
| Net loans and leases to deposits | 70.1633% | 3,913 |
| Net loans and leases to core deposits | 76.6228% | 3,704 |
| Total domestic deposits to total assets | 77.1825% | 5,430 |
| Equity capital to assets | 22.2883% | 144 |
| Core capital (leverage) ratio | 21.1973% | 159 |
| Tier 1 risk-based capital ratio | 44.4553% | 204 |
| Total risk-based capital ratio | 46.8421% | 186 |
| Memoranda: | ||
| Average total assets | $88,409,000 | 4,806 |
| Average earning assets | $81,989,670 | 4,777 |
| Average equity | $19,599,670 | 3,262 |
| Average total loans | $48,221,330 | 4,815 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3074% | 5,435 |
| Cost of funding earning assets | 0.5978% | 1,452 |
| Net interest margin | 2.7096% | 5,782 |
| Noninterest income to average assets | 0.0361% | 6,264 |
| Noninterest expense to average assets | 1.8830% | 5,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4425% | 4,904 |
| Return on assets (ROA) | 0.4425% | 5,023 |
| Pretax return on assets | 0.6502% | 4,765 |
| Return on Equity (ROE) | 2.0015% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.0015% | 4,675 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3316% | 2,764 |
| Assets per employee ($millions) | 9.8357% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 3,955 |
| Loan loss allowance to noncurrent loans | 106.5934% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,639 |
| Noncurrent loans to loans | 1.1307% | 2,512 |
| Net loans and leases to total assets | 53.8912% | 4,458 |
| Net loans and leases to deposits | 69.7788% | 3,771 |
| Net loans and leases to core deposits | 75.8510% | 3,613 |
| Total domestic deposits to total assets | 77.2314% | 5,575 |
| Equity capital to assets | 22.1631% | 149 |
| Core capital (leverage) ratio | 20.8757% | 174 |
| Tier 1 risk-based capital ratio | 43.3478% | 215 |
| Total risk-based capital ratio | 45.7209% | 203 |
| Memoranda: | ||
| Average total assets | $88,581,500 | 4,848 |
| Average earning assets | $81,635,500 | 4,826 |
| Average equity | $19,585,500 | 3,277 |
| Average total loans | $48,196,000 | 4,838 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 5,167 |
| Cost of funding earning assets | 0.6455% | 1,440 |
| Net interest margin | 2.9246% | 5,593 |
| Noninterest income to average assets | 0.0406% | 6,313 |
| Noninterest expense to average assets | 2.0051% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3862% | 5,263 |
| Return on assets (ROA) | 0.3408% | 5,471 |
| Pretax return on assets | 0.4502% | 5,385 |
| Return on Equity (ROE) | 1.5570% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.5570% | 5,052 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7218% | 1,975 |
| Assets per employee ($millions) | 8.0584% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 3,940 |
| Loan loss allowance to noncurrent loans | 161.2188% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 4,464 |
| Noncurrent loans to loans | 0.7504% | 3,450 |
| Net loans and leases to total assets | 53.6123% | 4,620 |
| Net loans and leases to deposits | 69.3281% | 3,993 |
| Net loans and leases to core deposits | 76.5611% | 3,649 |
| Total domestic deposits to total assets | 77.3313% | 5,547 |
| Equity capital to assets | 22.0573% | 151 |
| Core capital (leverage) ratio | 20.7276% | 184 |
| Tier 1 risk-based capital ratio | 54.8476% | 111 |
| Total risk-based capital ratio | 57.6232% | 107 |
| Memoranda: | ||
| Average total assets | $88,622,000 | 4,874 |
| Average earning assets | $74,985,000 | 5,019 |
| Average equity | $19,395,800 | 3,230 |
| Average total loans | $47,817,800 | 4,888 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 5,067 |
| Cost of funding earning assets | 0.6506% | 1,454 |
| Net interest margin | 2.9793% | 5,547 |
| Noninterest income to average assets | 0.0421% | 6,401 |
| Noninterest expense to average assets | 1.9604% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4258% | 5,154 |
| Return on assets (ROA) | 0.4258% | 5,232 |
| Pretax return on assets | 0.5552% | 5,166 |
| Return on Equity (ROE) | 1.9493% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.9493% | 5,084 |
| Net charge-offs to loans | 0.0028% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 369.9173% | 195 |
| Efficiency ratio | 77.9306% | 2,187 |
| Assets per employee ($millions) | 8.1594% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 4,075 |
| Loan loss allowance to noncurrent loans | 215.9851% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 5,061 |
| Noncurrent loans to loans | 0.5692% | 4,214 |
| Net loans and leases to total assets | 52.0083% | 4,808 |
| Net loans and leases to deposits | 66.9175% | 4,240 |
| Net loans and leases to core deposits | 73.7821% | 3,960 |
| Total domestic deposits to total assets | 77.7200% | 5,582 |
| Equity capital to assets | 21.6895% | 165 |
| Core capital (leverage) ratio | 20.8042% | 180 |
| Tier 1 risk-based capital ratio | 54.8710% | 112 |
| Total risk-based capital ratio | 57.4755% | 103 |
| Memoranda: | ||
| Average total assets | $88,617,000 | 4,926 |
| Average earning assets | $73,571,500 | 5,113 |
| Average equity | $19,356,750 | 3,244 |
| Average total loans | $47,746,000 | 4,941 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,871 |
| Cost of funding earning assets | 0.6553% | 1,469 |
| Net interest margin | 3.0414% | 5,414 |
| Noninterest income to average assets | 0.0408% | 6,465 |
| Noninterest expense to average assets | 1.9357% | 5,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4420% | 5,050 |
| Return on assets (ROA) | 0.4420% | 5,126 |
| Pretax return on assets | 0.5984% | 4,961 |
| Return on Equity (ROE) | 2.0186% | 5,833 |
| Retained earnings to average equity (ytd only) | 2.0186% | 4,878 |
| Net charge-offs to loans | 0.0042% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 257 |
| Efficiency ratio | 76.3864% | 2,557 |
| Assets per employee ($millions) | 7.3444% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,360 |
| Loan loss allowance to noncurrent loans | 213.6029% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 5,133 |
| Noncurrent loans to loans | 0.5685% | 4,313 |
| Net loans and leases to total assets | 53.6269% | 4,585 |
| Net loans and leases to deposits | 69.3667% | 3,900 |
| Net loans and leases to core deposits | 76.3279% | 3,596 |
| Total domestic deposits to total assets | 77.3093% | 5,758 |
| Equity capital to assets | 22.0746% | 147 |
| Core capital (leverage) ratio | 20.8863% | 169 |
| Tier 1 risk-based capital ratio | 53.0930% | 117 |
| Total risk-based capital ratio | 55.7174% | 108 |
| Memoranda: | ||
| Average total assets | $88,238,330 | 4,969 |
| Average earning assets | $72,336,000 | 5,173 |
| Average equity | $19,320,000 | 3,236 |
| Average total loans | $47,908,000 | 4,967 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 4,654 |
| Cost of funding earning assets | 0.6490% | 1,586 |
| Net interest margin | 3.1050% | 5,233 |
| Noninterest income to average assets | 0.0408% | 6,507 |
| Noninterest expense to average assets | 1.9028% | 6,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4395% | 4,979 |
| Return on assets (ROA) | 0.4395% | 5,037 |
| Pretax return on assets | 0.6524% | 4,656 |
| Return on Equity (ROE) | 2.0153% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.0153% | 4,800 |
| Net charge-offs to loans | 0.0083% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 342 |
| Efficiency ratio | 74.4681% | 3,056 |
| Assets per employee ($millions) | 8.0447% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 4,524 |
| Loan loss allowance to noncurrent loans | 212.0438% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 5,224 |
| Noncurrent loans to loans | 0.5773% | 4,432 |
| Net loans and leases to total assets | 52.9811% | 4,545 |
| Net loans and leases to deposits | 68.3959% | 3,818 |
| Net loans and leases to core deposits | 74.8300% | 3,552 |
| Total domestic deposits to total assets | 77.4624% | 5,904 |
| Equity capital to assets | 21.8517% | 149 |
| Core capital (leverage) ratio | 21.0391% | 160 |
| Tier 1 risk-based capital ratio | 51.9475% | 119 |
| Total risk-based capital ratio | 54.5119% | 117 |
| Memoranda: | ||
| Average total assets | $88,291,000 | 5,010 |
| Average earning assets | $71,498,500 | 5,242 |
| Average equity | $19,252,500 | 3,252 |
| Average total loans | $47,940,000 | 5,011 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7565% | 4,955 |
| Cost of funding earning assets | 0.6850% | 1,917 |
| Net interest margin | 3.0715% | 5,398 |
| Noninterest income to average assets | 0.0388% | 6,578 |
| Noninterest expense to average assets | 1.8441% | 6,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4561% | 4,928 |
| Return on assets (ROA) | 0.4108% | 5,224 |
| Pretax return on assets | 0.6927% | 4,571 |
| Return on Equity (ROE) | 1.8857% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.8857% | 4,895 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7221% | 3,717 |
| Assets per employee ($millions) | 8.0082% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,646 |
| Loan loss allowance to noncurrent loans | 210.8696% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 5,319 |
| Noncurrent loans to loans | 0.5701% | 4,563 |
| Net loans and leases to total assets | 54.3001% | 4,548 |
| Net loans and leases to deposits | 69.9845% | 3,788 |
| Net loans and leases to core deposits | 75.4392% | 3,674 |
| Total domestic deposits to total assets | 77.5888% | 5,888 |
| Equity capital to assets | 21.7596% | 149 |
| Core capital (leverage) ratio | 20.9960% | 159 |
| Tier 1 risk-based capital ratio | 50.6338% | 129 |
| Total risk-based capital ratio | 53.0468% | 121 |
| Memoranda: | ||
| Average total assets | $87,630,600 | 5,034 |
| Average earning assets | $73,286,600 | 5,217 |
| Average equity | $19,091,200 | 3,266 |
| Average total loans | $47,510,000 | 5,049 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,968 |
| Cost of funding earning assets | 0.6921% | 2,004 |
| Net interest margin | 3.0766% | 5,384 |
| Noninterest income to average assets | 0.0381% | 6,661 |
| Noninterest expense to average assets | 1.7794% | 6,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5007% | 4,789 |
| Return on assets (ROA) | 0.4403% | 5,215 |
| Pretax return on assets | 0.7511% | 4,486 |
| Return on Equity (ROE) | 2.0203% | 5,930 |
| Retained earnings to average equity (ytd only) | 2.0203% | 5,120 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7887% | 4,134 |
| Assets per employee ($millions) | 7.8389% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 4,835 |
| Loan loss allowance to noncurrent loans | 207.1174% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 5,429 |
| Noncurrent loans to loans | 0.5821% | 4,747 |
| Net loans and leases to total assets | 55.3057% | 4,415 |
| Net loans and leases to deposits | 71.6751% | 3,552 |
| Net loans and leases to core deposits | 77.7656% | 3,389 |
| Total domestic deposits to total assets | 77.1617% | 6,028 |
| Equity capital to assets | 22.1575% | 140 |
| Core capital (leverage) ratio | 21.0197% | 161 |
| Tier 1 risk-based capital ratio | 50.9978% | 129 |
| Total risk-based capital ratio | 53.3391% | 121 |
| Memoranda: | ||
| Average total assets | $87,515,750 | 5,088 |
| Average earning assets | $73,585,500 | 5,252 |
| Average equity | $19,072,000 | 3,304 |
| Average total loans | $47,283,750 | 5,099 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,970 |
| Cost of funding earning assets | 0.7102% | 2,004 |
| Net interest margin | 3.0467% | 5,440 |
| Noninterest income to average assets | 0.0387% | 6,700 |
| Noninterest expense to average assets | 1.6851% | 6,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5374% | 4,624 |
| Return on assets (ROA) | 0.4457% | 5,205 |
| Pretax return on assets | 0.7664% | 4,441 |
| Return on Equity (ROE) | 2.0566% | 5,938 |
| Retained earnings to average equity (ytd only) | 2.0566% | 4,970 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9430% | 4,715 |
| Assets per employee ($millions) | 7.8965% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,784 |
| Loan loss allowance to noncurrent loans | 101.5707% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 4,577 |
| Noncurrent loans to loans | 1.2202% | 3,515 |
| Net loans and leases to total assets | 53.3945% | 4,677 |
| Net loans and leases to deposits | 68.9476% | 3,865 |
| Net loans and leases to core deposits | 75.1101% | 3,659 |
| Total domestic deposits to total assets | 77.4421% | 6,069 |
| Equity capital to assets | 21.9224% | 143 |
| Core capital (leverage) ratio | 20.5836% | 164 |
| Tier 1 risk-based capital ratio | 52.0667% | 118 |
| Total risk-based capital ratio | 54.4204% | 112 |
| Memoranda: | ||
| Average total assets | $87,945,000 | 5,113 |
| Average earning assets | $73,785,670 | 5,286 |
| Average equity | $19,060,670 | 3,324 |
| Average total loans | $46,954,670 | 5,138 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 4,862 |
| Cost of funding earning assets | 0.7147% | 2,098 |
| Net interest margin | 3.0735% | 5,356 |
| Noninterest income to average assets | 0.0362% | 6,778 |
| Noninterest expense to average assets | 1.7811% | 6,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4656% | 4,848 |
| Return on assets (ROA) | 0.4656% | 5,009 |
| Pretax return on assets | 0.8408% | 3,996 |
| Return on Equity (ROE) | 2.1605% | 5,884 |
| Retained earnings to average equity (ytd only) | 2.1605% | 4,920 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9310% | 4,323 |
| Assets per employee ($millions) | 8.1101% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,932 |
| Loan loss allowance to noncurrent loans | 101.3937% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 4,767 |
| Noncurrent loans to loans | 1.2345% | 3,711 |
| Net loans and leases to total assets | 51.4656% | 4,776 |
| Net loans and leases to deposits | 66.1028% | 4,040 |
| Net loans and leases to core deposits | 71.3367% | 3,908 |
| Total domestic deposits to total assets | 77.8570% | 6,131 |
| Equity capital to assets | 21.4435% | 164 |
| Core capital (leverage) ratio | 20.4689% | 173 |
| Tier 1 risk-based capital ratio | 52.1869% | 122 |
| Total risk-based capital ratio | 54.4857% | 119 |
| Memoranda: | ||
| Average total assets | $88,487,000 | 5,139 |
| Average earning assets | $74,442,000 | 5,308 |
| Average equity | $19,070,000 | 3,367 |
| Average total loans | $46,951,500 | 5,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 5,461 |
| Cost of funding earning assets | 0.8116% | 2,574 |
| Net interest margin | 3.1322% | 5,736 |
| Noninterest income to average assets | 0.0362% | 6,734 |
| Noninterest expense to average assets | 1.9222% | 6,466 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5232% | 4,585 |
| Return on assets (ROA) | 0.5232% | 4,855 |
| Pretax return on assets | 0.8136% | 4,243 |
| Return on Equity (ROE) | 2.4720% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.4720% | 4,493 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2602% | 3,759 |
| Assets per employee ($millions) | 7.9785% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 4,987 |
| Loan loss allowance to noncurrent loans | 101.0417% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 4,832 |
| Noncurrent loans to loans | 1.2150% | 3,820 |
| Net loans and leases to total assets | 53.3551% | 4,708 |
| Net loans and leases to deposits | 68.6669% | 3,878 |
| Net loans and leases to core deposits | 75.0778% | 3,649 |
| Total domestic deposits to total assets | 77.7013% | 6,125 |
| Equity capital to assets | 21.6606% | 163 |
| Core capital (leverage) ratio | 20.2179% | 186 |
| Tier 1 risk-based capital ratio | 50.6928% | 136 |
| Total risk-based capital ratio | 52.8166% | 134 |
| Memoranda: | ||
| Average total assets | $88,494,200 | 5,125 |
| Average earning assets | $76,272,000 | 5,233 |
| Average equity | $18,729,600 | 3,372 |
| Average total loans | $47,712,400 | 5,190 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 5,610 |
| Cost of funding earning assets | 0.8323% | 2,689 |
| Net interest margin | 3.1354% | 5,849 |
| Noninterest income to average assets | 0.0346% | 6,853 |
| Noninterest expense to average assets | 1.9426% | 6,455 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5232% | 4,743 |
| Return on assets (ROA) | 0.5232% | 5,007 |
| Pretax return on assets | 0.7939% | 4,508 |
| Return on Equity (ROE) | 2.4866% | 5,884 |
| Retained earnings to average equity (ytd only) | 2.4866% | 5,084 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9890% | 3,507 |
| Assets per employee ($millions) | 8.1463% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 5,229 |
| Loan loss allowance to noncurrent loans | 99.6575% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 5,050 |
| Noncurrent loans to loans | 1.2174% | 4,017 |
| Net loans and leases to total assets | 52.8831% | 4,932 |
| Net loans and leases to deposits | 67.7146% | 4,225 |
| Net loans and leases to core deposits | 74.4872% | 3,914 |
| Total domestic deposits to total assets | 78.0971% | 6,055 |
| Equity capital to assets | 21.1285% | 198 |
| Core capital (leverage) ratio | 19.9555% | 208 |
| Tier 1 risk-based capital ratio | 49.6335% | 143 |
| Total risk-based capital ratio | 51.7430% | 139 |
| Memoranda: | ||
| Average total assets | $88,677,000 | 5,179 |
| Average earning assets | $76,415,000 | 5,283 |
| Average equity | $18,659,500 | 3,409 |
| Average total loans | $47,788,500 | 5,242 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 5,676 |
| Cost of funding earning assets | 0.8456% | 2,830 |
| Net interest margin | 3.1434% | 5,880 |
| Noninterest income to average assets | 0.0339% | 6,912 |
| Noninterest expense to average assets | 1.9827% | 6,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5002% | 4,820 |
| Return on assets (ROA) | 0.5002% | 5,076 |
| Pretax return on assets | 0.7605% | 4,605 |
| Return on Equity (ROE) | 2.3804% | 5,921 |
| Retained earnings to average equity (ytd only) | 2.3804% | 5,004 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2772% | 3,377 |
| Assets per employee ($millions) | 8.0338% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 5,323 |
| Loan loss allowance to noncurrent loans | 108.9888% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,258 |
| Noncurrent loans to loans | 1.1080% | 4,308 |
| Net loans and leases to total assets | 53.8779% | 4,820 |
| Net loans and leases to deposits | 68.9644% | 4,041 |
| Net loans and leases to core deposits | 74.8950% | 3,903 |
| Total domestic deposits to total assets | 78.1243% | 6,137 |
| Equity capital to assets | 21.1719% | 195 |
| Core capital (leverage) ratio | 19.9465% | 209 |
| Tier 1 risk-based capital ratio | 48.3741% | 142 |
| Total risk-based capital ratio | 50.3845% | 134 |
| Memoranda: | ||
| Average total assets | $88,366,330 | 5,217 |
| Average earning assets | $76,160,330 | 5,320 |
| Average equity | $18,568,330 | 3,414 |
| Average total loans | $47,728,000 | 5,274 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 5,551 |
| Cost of funding earning assets | 0.8764% | 2,857 |
| Net interest margin | 3.1923% | 5,801 |
| Noninterest income to average assets | 0.0362% | 6,985 |
| Noninterest expense to average assets | 2.0416% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4391% | 5,089 |
| Return on assets (ROA) | 0.4391% | 5,281 |
| Pretax return on assets | 0.7152% | 4,742 |
| Return on Equity (ROE) | 2.0976% | 6,047 |
| Retained earnings to average equity (ytd only) | 2.0976% | 5,224 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0558% | 3,093 |
| Assets per employee ($millions) | 8.0154% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 5,284 |
| Loan loss allowance to noncurrent loans | 108.5821% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 5,371 |
| Noncurrent loans to loans | 1.1460% | 4,420 |
| Net loans and leases to total assets | 52.3869% | 4,962 |
| Net loans and leases to deposits | 67.0582% | 4,221 |
| Net loans and leases to core deposits | 72.8166% | 4,043 |
| Total domestic deposits to total assets | 78.1216% | 6,247 |
| Equity capital to assets | 21.0573% | 179 |
| Core capital (leverage) ratio | 19.9119% | 211 |
| Tier 1 risk-based capital ratio | 49.5060% | 131 |
| Total risk-based capital ratio | 51.6320% | 127 |
| Memoranda: | ||
| Average total assets | $88,363,500 | 5,261 |
| Average earning assets | $75,307,000 | 5,388 |
| Average equity | $18,497,500 | 3,425 |
| Average total loans | $47,494,500 | 5,317 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 6,323 |
| Cost of funding earning assets | 0.9912% | 3,440 |
| Net interest margin | 3.0771% | 6,392 |
| Noninterest income to average assets | 0.0704% | 6,751 |
| Noninterest expense to average assets | 2.0769% | 6,537 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4460% | 4,665 |
| Return on assets (ROA) | 0.4460% | 4,869 |
| Pretax return on assets | 0.7869% | 4,025 |
| Return on Equity (ROE) | 2.2146% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.2146% | 4,638 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5215% | 3,475 |
| Assets per employee ($millions) | 8.0507% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,354 |
| Loan loss allowance to noncurrent loans | 108.1784% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 5,445 |
| Noncurrent loans to loans | 1.1158% | 4,487 |
| Net loans and leases to total assets | 53.7907% | 5,070 |
| Net loans and leases to deposits | 68.5647% | 4,352 |
| Net loans and leases to core deposits | 74.3685% | 4,190 |
| Total domestic deposits to total assets | 78.4525% | 6,102 |
| Equity capital to assets | 20.8101% | 192 |
| Core capital (leverage) ratio | 19.5433% | 216 |
| Tier 1 risk-based capital ratio | 48.4808% | 142 |
| Total risk-based capital ratio | 50.4404% | 137 |
| Memoranda: | ||
| Average total assets | $89,459,800 | 5,199 |
| Average earning assets | $81,212,200 | 5,196 |
| Average equity | $18,016,600 | 3,421 |
| Average total loans | $48,927,200 | 5,305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 6,534 |
| Cost of funding earning assets | 1.0112% | 3,602 |
| Net interest margin | 3.0224% | 6,539 |
| Noninterest income to average assets | 0.0357% | 6,998 |
| Noninterest expense to average assets | 2.0456% | 6,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4326% | 4,848 |
| Return on assets (ROA) | 0.4326% | 5,041 |
| Pretax return on assets | 0.7716% | 4,236 |
| Return on Equity (ROE) | 2.1659% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.1659% | 5,043 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6121% | 3,437 |
| Assets per employee ($millions) | 8.1429% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,511 |
| Loan loss allowance to noncurrent loans | 107.5786% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 5,613 |
| Noncurrent loans to loans | 1.1068% | 4,707 |
| Net loans and leases to total assets | 53.9209% | 5,171 |
| Net loans and leases to deposits | 68.3130% | 4,550 |
| Net loans and leases to core deposits | 73.4805% | 4,532 |
| Total domestic deposits to total assets | 78.9320% | 6,001 |
| Equity capital to assets | 20.3624% | 231 |
| Core capital (leverage) ratio | 19.4771% | 244 |
| Tier 1 risk-based capital ratio | 38.9376% | 270 |
| Total risk-based capital ratio | 40.6948% | 258 |
| Memoranda: | ||
| Average total assets | $89,685,250 | 5,228 |
| Average earning assets | $82,538,250 | 5,201 |
| Average equity | $17,913,500 | 3,436 |
| Average total loans | $49,104,500 | 5,342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 6,614 |
| Cost of funding earning assets | 1.0279% | 3,753 |
| Net interest margin | 3.0018% | 6,605 |
| Noninterest income to average assets | 0.0334% | 7,107 |
| Noninterest expense to average assets | 2.0441% | 6,701 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4213% | 4,851 |
| Return on assets (ROA) | 0.4213% | 5,003 |
| Pretax return on assets | 0.7623% | 4,170 |
| Return on Equity (ROE) | 2.1230% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.1230% | 4,928 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8356% | 3,578 |
| Assets per employee ($millions) | 7.4183% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,648 |
| Loan loss allowance to noncurrent loans | 195.9596% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 6,290 |
| Noncurrent loans to loans | 0.5998% | 5,717 |
| Net loans and leases to total assets | 54.9748% | 5,153 |
| Net loans and leases to deposits | 69.3851% | 4,513 |
| Net loans and leases to core deposits | 74.8539% | 4,462 |
| Total domestic deposits to total assets | 79.2314% | 6,026 |
| Equity capital to assets | 20.1665% | 251 |
| Core capital (leverage) ratio | 19.2943% | 256 |
| Tier 1 risk-based capital ratio | 38.1822% | 275 |
| Total risk-based capital ratio | 40.0667% | 254 |
| Memoranda: | ||
| Average total assets | $89,723,000 | 5,263 |
| Average earning assets | $82,884,330 | 5,237 |
| Average equity | $17,805,000 | 3,451 |
| Average total loans | $49,179,330 | 5,390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 6,671 |
| Cost of funding earning assets | 1.0428% | 3,903 |
| Net interest margin | 2.9706% | 6,632 |
| Noninterest income to average assets | 0.0355% | 7,197 |
| Noninterest expense to average assets | 2.0250% | 6,790 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4352% | 4,782 |
| Return on assets (ROA) | 0.4352% | 4,863 |
| Pretax return on assets | 0.7682% | 4,025 |
| Return on Equity (ROE) | 2.2108% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.2108% | 4,818 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4960% | 3,770 |
| Assets per employee ($millions) | 8.0815% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 5,751 |
| Loan loss allowance to noncurrent loans | 199.3151% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 6,376 |
| Noncurrent loans to loans | 0.5891% | 5,851 |
| Net loans and leases to total assets | 55.1053% | 5,141 |
| Net loans and leases to deposits | 69.2552% | 4,480 |
| Net loans and leases to core deposits | 74.6651% | 4,466 |
| Total domestic deposits to total assets | 79.5685% | 6,044 |
| Equity capital to assets | 19.9816% | 262 |
| Core capital (leverage) ratio | 19.0616% | 268 |
| Tier 1 risk-based capital ratio | 37.5808% | 287 |
| Total risk-based capital ratio | 39.4894% | 262 |
| Memoranda: | ||
| Average total assets | $90,075,000 | 5,289 |
| Average earning assets | $83,618,500 | 5,246 |
| Average equity | $17,731,500 | 3,444 |
| Average total loans | $49,009,000 | 5,442 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 7,112 |
| Cost of funding earning assets | 1.2128% | 4,472 |
| Net interest margin | 2.8147% | 7,012 |
| Noninterest income to average assets | 0.0673% | 7,033 |
| Noninterest expense to average assets | 1.8806% | 7,188 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4242% | 4,438 |
| Return on assets (ROA) | 0.0860% | 5,758 |
| Pretax return on assets | 0.2515% | 5,352 |
| Return on Equity (ROE) | 0.4443% | 5,840 |
| Retained earnings to average equity (ytd only) | 0.4443% | 5,354 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6882% | 4,039 |
| Assets per employee ($millions) | 8.2957% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 5,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.4553% | 5,852 |
| Net loans and leases to deposits | 65.5237% | 5,451 |
| Net loans and leases to core deposits | 70.4434% | 5,409 |
| Total domestic deposits to total assets | 80.0555% | 5,821 |
| Equity capital to assets | 19.3966% | 297 |
| Core capital (leverage) ratio | 18.6650% | 293 |
| Tier 1 risk-based capital ratio | 33.4396% | 390 |
| Total risk-based capital ratio | 35.1182% | 370 |
| Memoranda: | ||
| Average total assets | $90,664,800 | 5,270 |
| Average earning assets | $83,526,800 | 5,228 |
| Average equity | $17,556,400 | 3,501 |
| Average total loans | $45,645,400 | 5,675 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 7,225 |
| Cost of funding earning assets | 1.2446% | 4,604 |
| Net interest margin | 2.8273% | 7,098 |
| Noninterest income to average assets | 0.0368% | 7,337 |
| Noninterest expense to average assets | 1.8294% | 7,298 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4471% | 4,551 |
| Return on assets (ROA) | -0.0044% | 6,136 |
| Pretax return on assets | 0.1016% | 5,911 |
| Return on Equity (ROE) | -0.0228% | 6,134 |
| Retained earnings to average equity (ytd only) | -0.0228% | 5,788 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3855% | 4,190 |
| Assets per employee ($millions) | 7.6507% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 5,277 |
| Loan loss allowance to noncurrent loans | 1,187.7551% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 7,213 |
| Noncurrent loans to loans | 0.1046% | 6,976 |
| Net loans and leases to total assets | 50.3736% | 6,284 |
| Net loans and leases to deposits | 62.9048% | 6,033 |
| Net loans and leases to core deposits | 67.1570% | 6,022 |
| Total domestic deposits to total assets | 80.0791% | 5,679 |
| Equity capital to assets | 19.2837% | 334 |
| Core capital (leverage) ratio | 18.7578% | 313 |
| Tier 1 risk-based capital ratio | 43.2890% | 200 |
| Total risk-based capital ratio | 45.2060% | 191 |
| Memoranda: | ||
| Average total assets | $90,517,750 | 5,339 |
| Average earning assets | $83,234,000 | 5,298 |
| Average equity | $17,520,500 | 3,552 |
| Average total loans | $44,944,500 | 5,787 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 7,318 |
| Cost of funding earning assets | 1.2720% | 4,704 |
| Net interest margin | 2.7793% | 7,172 |
| Noninterest income to average assets | 0.0377% | 7,396 |
| Noninterest expense to average assets | 1.7383% | 7,469 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8703% | 2,661 |
| Return on assets (ROA) | -0.1931% | 6,397 |
| Pretax return on assets | -0.1931% | 6,330 |
| Return on Equity (ROE) | -0.9966% | 6,311 |
| Retained earnings to average equity (ytd only) | -0.9966% | 5,967 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6383% | 4,856 |
| Assets per employee ($millions) | 7.6108% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 5,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 49.7252% | 6,459 |
| Net loans and leases to deposits | 61.9470% | 6,241 |
| Net loans and leases to core deposits | 66.4404% | 6,209 |
| Total domestic deposits to total assets | 80.2704% | 5,644 |
| Equity capital to assets | 19.2609% | 326 |
| Core capital (leverage) ratio | 18.7637% | 306 |
| Tier 1 risk-based capital ratio | 32.0950% | 423 |
| Total risk-based capital ratio | 33.6607% | 406 |
| Memoranda: | ||
| Average total assets | $90,087,670 | 5,385 |
| Average earning assets | $83,330,670 | 5,320 |
| Average equity | $17,459,330 | 3,554 |
| Average total loans | $44,316,330 | 5,850 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 7,418 |
| Cost of funding earning assets | 1.3275% | 4,636 |
| Net interest margin | 2.7228% | 7,272 |
| Noninterest income to average assets | 0.0402% | 7,516 |
| Noninterest expense to average assets | 1.8733% | 7,376 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3353% | 5,142 |
| Return on assets (ROA) | 0.3353% | 5,264 |
| Pretax return on assets | 0.6796% | 4,307 |
| Return on Equity (ROE) | 1.7248% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.7248% | 5,076 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3800% | 3,693 |
| Assets per employee ($millions) | 8.1460% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.7668% | 6,597 |
| Net loans and leases to deposits | 60.8099% | 6,380 |
| Net loans and leases to core deposits | 65.0510% | 6,370 |
| Total domestic deposits to total assets | 80.1955% | 5,719 |
| Equity capital to assets | 19.4697% | 310 |
| Core capital (leverage) ratio | 19.0071% | 308 |
| Tier 1 risk-based capital ratio | 32.8126% | 412 |
| Total risk-based capital ratio | 34.0427% | 405 |
| Memoranda: | ||
| Average total assets | $89,466,500 | 5,473 |
| Average earning assets | $82,561,000 | 5,415 |
| Average equity | $17,393,500 | 3,586 |
| Average total loans | $43,476,500 | 5,963 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 7,695 |
| Cost of funding earning assets | 1.8315% | 3,825 |
| Net interest margin | 2.1723% | 7,658 |
| Noninterest income to average assets | 0.0361% | 7,568 |
| Noninterest expense to average assets | 1.8003% | 7,606 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1803% | 4,962 |
| Return on assets (ROA) | 0.1803% | 5,033 |
| Pretax return on assets | 0.2749% | 4,832 |
| Return on Equity (ROE) | 0.9303% | 5,252 |
| Retained earnings to average equity (ytd only) | 0.9303% | 4,374 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7535% | 2,030 |
| Assets per employee ($millions) | 7.4439% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 47.1201% | 6,888 |
| Net loans and leases to deposits | 58.6708% | 6,731 |
| Net loans and leases to core deposits | 80.8168% | 6,013 |
| Total domestic deposits to total assets | 80.3128% | 5,582 |
| Equity capital to assets | 19.4129% | 339 |
| Core capital (leverage) ratio | 19.0136% | 337 |
| Tier 1 risk-based capital ratio | 28.6785% | 598 |
| Total risk-based capital ratio | 29.7635% | 593 |
| Memoranda: | ||
| Average total assets | $88,764,000 | 5,428 |
| Average earning assets | $83,321,800 | 5,349 |
| Average equity | $17,199,200 | 3,632 |
| Average total loans | $40,195,200 | 6,099 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 7,802 |
| Cost of funding earning assets | 1.9336% | 3,698 |
| Net interest margin | 2.0708% | 7,784 |
| Noninterest income to average assets | 0.0331% | 7,718 |
| Noninterest expense to average assets | 1.7843% | 7,674 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1098% | 5,436 |
| Return on assets (ROA) | 0.1098% | 5,493 |
| Pretax return on assets | 0.2016% | 5,301 |
| Return on Equity (ROE) | 0.5671% | 5,628 |
| Retained earnings to average equity (ytd only) | 0.5671% | 4,968 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8485% | 1,701 |
| Assets per employee ($millions) | 7.4389% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 3,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 45.1589% | 7,166 |
| Net loans and leases to deposits | 56.3182% | 7,073 |
| Net loans and leases to core deposits | 76.1049% | 6,610 |
| Total domestic deposits to total assets | 80.1853% | 5,370 |
| Equity capital to assets | 19.4081% | 379 |
| Core capital (leverage) ratio | 18.9956% | 379 |
| Tier 1 risk-based capital ratio | 28.5474% | 646 |
| Total risk-based capital ratio | 29.6585% | 642 |
| Memoranda: | ||
| Average total assets | $88,623,250 | 5,465 |
| Average earning assets | $83,572,500 | 5,386 |
| Average equity | $17,163,750 | 3,670 |
| Average total loans | $39,575,750 | 6,177 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 7,885 |
| Cost of funding earning assets | 2.0102% | 3,724 |
| Net interest margin | 2.0435% | 7,837 |
| Noninterest income to average assets | 0.0339% | 7,818 |
| Noninterest expense to average assets | 1.8007% | 7,741 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0995% | 5,562 |
| Return on assets (ROA) | 0.0995% | 5,660 |
| Pretax return on assets | 0.1765% | 5,523 |
| Return on Equity (ROE) | 0.5143% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.5143% | 5,000 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0755% | 1,723 |
| Assets per employee ($millions) | 7.4477% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 3,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 43.3234% | 7,370 |
| Net loans and leases to deposits | 53.8033% | 7,280 |
| Net loans and leases to core deposits | 71.5998% | 6,925 |
| Total domestic deposits to total assets | 80.5219% | 5,268 |
| Equity capital to assets | 19.1302% | 448 |
| Core capital (leverage) ratio | 19.0746% | 413 |
| Tier 1 risk-based capital ratio | 29.1000% | 658 |
| Total risk-based capital ratio | 30.1139% | 656 |
| Memoranda: | ||
| Average total assets | $88,408,670 | 5,517 |
| Average earning assets | $84,070,330 | 5,412 |
| Average equity | $17,110,000 | 3,688 |
| Average total loans | $39,136,330 | 6,242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 7,949 |
| Cost of funding earning assets | 2.1009% | 3,641 |
| Net interest margin | 1.9871% | 7,902 |
| Noninterest income to average assets | 0.0364% | 7,895 |
| Noninterest expense to average assets | 1.7696% | 7,735 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0910% | 6,007 |
| Return on assets (ROA) | 0.0910% | 6,170 |
| Pretax return on assets | 0.1729% | 6,005 |
| Return on Equity (ROE) | 0.4674% | 6,283 |
| Retained earnings to average equity (ytd only) | 0.4674% | 5,466 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1007% | 1,643 |
| Assets per employee ($millions) | 7.3938% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 2,974 |
| Loan loss allowance to noncurrent loans | 570.5882% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 7,244 |
| Noncurrent loans to loans | 0.2633% | 6,782 |
| Net loans and leases to total assets | 43.0059% | 7,410 |
| Net loans and leases to deposits | 53.4277% | 7,323 |
| Net loans and leases to core deposits | 71.2869% | 6,944 |
| Total domestic deposits to total assets | 80.4937% | 5,175 |
| Equity capital to assets | 19.2313% | 464 |
| Core capital (leverage) ratio | 19.0628% | 444 |
| Tier 1 risk-based capital ratio | 29.6361% | 639 |
| Total risk-based capital ratio | 30.6743% | 641 |
| Memoranda: | ||
| Average total assets | $87,927,000 | 5,554 |
| Average earning assets | $84,345,000 | 5,417 |
| Average equity | $17,116,500 | 3,714 |
| Average total loans | $39,054,000 | 6,275 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 8,017 |
| Cost of funding earning assets | 2.5981% | 3,694 |
| Net interest margin | 1.9613% | 8,087 |
| Noninterest income to average assets | 0.0577% | 7,853 |
| Noninterest expense to average assets | 1.7112% | 7,855 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1537% | 5,975 |
| Return on assets (ROA) | 0.1845% | 5,727 |
| Pretax return on assets | 0.2705% | 5,577 |
| Return on Equity (ROE) | 0.9370% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.9370% | 4,668 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3694% | 1,646 |
| Assets per employee ($millions) | 7.2608% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 2,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.5168% | 7,434 |
| Net loans and leases to deposits | 55.6373% | 7,350 |
| Net loans and leases to core deposits | 75.2576% | 6,902 |
| Total domestic deposits to total assets | 80.0124% | 5,020 |
| Equity capital to assets | 19.7064% | 483 |
| Core capital (leverage) ratio | 19.5191% | 464 |
| Tier 1 risk-based capital ratio | 32.2435% | 538 |
| Total risk-based capital ratio | 33.3923% | 529 |
| Memoranda: | ||
| Average total assets | $88,358,600 | 5,407 |
| Average earning assets | $84,638,600 | 5,284 |
| Average equity | $17,395,600 | 3,663 |
| Average total loans | $38,082,200 | 6,268 |