Home > Paper City Savings Association > Performance and Condition Ratios
Paper City Savings Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 2,978 |
| Cost of funding earning assets | 1.3590% | 2,333 |
| Net interest margin | 3.2082% | 2,857 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.7896% | 1,534 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.5874% | 3,466 |
| Return on assets (ROA) | 0.5874% | 3,464 |
| Pretax return on assets | 0.8087% | 3,193 |
| Return on Equity (ROE) | 4.1800% | 3,860 |
| Retained earnings to average equity (ytd only) | 4.1841% | 2,896 |
| Net charge-offs to loans | -0.0023% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.3536% | 1,317 |
| Assets per employee ($millions) | 4.7900% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 3,903 |
| Loan loss allowance to noncurrent loans | 150.2478% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,171 |
| Noncurrent loans to loans | 0.5496% | 1,429 |
| Net loans and leases to total assets | 86.3900% | 143 |
| Net loans and leases to deposits | 117.0484% | 107 |
| Net loans and leases to core deposits | 121.6489% | 576 |
| Total domestic deposits to total assets | 73.8100% | 4,117 |
| Equity capital to assets | 13.8119% | 713 |
| Core capital (leverage) ratio | 14.4087% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0717% | 603 |
| Memoranda: | ||
| Average total assets | $202,427,400 | 2,977 |
| Average earning assets | $195,436,200 | 2,909 |
| Average equity | $28,417,000 | 2,347 |
| Average total loans | $176,577,000 | 2,478 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 2,968 |
| Cost of funding earning assets | 1.2172% | 2,374 |
| Net interest margin | 3.2529% | 2,798 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.8351% | 1,357 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.5757% | 3,612 |
| Return on assets (ROA) | 0.5757% | 3,595 |
| Pretax return on assets | 0.7893% | 3,360 |
| Return on Equity (ROE) | 4.0800% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.0834% | 3,237 |
| Net charge-offs to loans | -0.0061% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.9223% | 1,176 |
| Assets per employee ($millions) | 5.1014% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 3,926 |
| Loan loss allowance to noncurrent loans | 163.5565% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 1,308 |
| Noncurrent loans to loans | 0.5054% | 1,552 |
| Net loans and leases to total assets | 87.6000% | 93 |
| Net loans and leases to deposits | 115.6829% | 112 |
| Net loans and leases to core deposits | 120.0121% | 548 |
| Total domestic deposits to total assets | 75.7200% | 4,034 |
| Equity capital to assets | 13.9889% | 655 |
| Core capital (leverage) ratio | 14.4474% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4083% | 597 |
| Memoranda: | ||
| Average total assets | $200,344,000 | 2,994 |
| Average earning assets | $193,669,250 | 2,929 |
| Average equity | $28,243,750 | 2,338 |
| Average total loans | $174,821,250 | 2,491 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 3,035 |
| Cost of funding earning assets | 1.0364% | 2,491 |
| Net interest margin | 3.2973% | 2,755 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.8186% | 1,379 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.6147% | 3,543 |
| Return on assets (ROA) | 0.6147% | 3,547 |
| Pretax return on assets | 0.8438% | 3,291 |
| Return on Equity (ROE) | 4.3500% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.3492% | 3,116 |
| Net charge-offs to loans | -0.0069% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.5088% | 1,300 |
| Assets per employee ($millions) | 5.0376% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 3,987 |
| Loan loss allowance to noncurrent loans | 166.7436% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 1,242 |
| Noncurrent loans to loans | 0.4882% | 1,496 |
| Net loans and leases to total assets | 87.3200% | 104 |
| Net loans and leases to deposits | 114.3114% | 145 |
| Net loans and leases to core deposits | 118.2676% | 559 |
| Total domestic deposits to total assets | 76.3900% | 4,013 |
| Equity capital to assets | 14.1083% | 636 |
| Core capital (leverage) ratio | 14.5367% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6629% | 581 |
| Memoranda: | ||
| Average total assets | $199,107,000 | 3,009 |
| Average earning assets | $192,581,667 | 2,947 |
| Average equity | $28,143,333 | 2,347 |
| Average total loans | $173,014,333 | 2,501 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 3,165 |
| Cost of funding earning assets | 0.7947% | 2,754 |
| Net interest margin | 3.3434% | 2,768 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.9266% | 1,181 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.5518% | 3,790 |
| Return on assets (ROA) | 0.5518% | 3,756 |
| Pretax return on assets | 0.7559% | 3,550 |
| Return on Equity (ROE) | 3.9000% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.8999% | 3,300 |
| Net charge-offs to loans | -0.0047% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.5576% | 1,042 |
| Assets per employee ($millions) | 4.8494% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 4,119 |
| Loan loss allowance to noncurrent loans | 148.3696% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 1,096 |
| Noncurrent loans to loans | 0.5273% | 1,404 |
| Net loans and leases to total assets | 87.0700% | 105 |
| Net loans and leases to deposits | 113.2245% | 136 |
| Net loans and leases to core deposits | 116.3328% | 528 |
| Total domestic deposits to total assets | 76.9000% | 4,088 |
| Equity capital to assets | 14.1832% | 573 |
| Core capital (leverage) ratio | 14.8179% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6869% | 593 |
| Memoranda: | ||
| Average total assets | $197,908,000 | 3,054 |
| Average earning assets | $191,781,000 | 2,987 |
| Average equity | $28,000,500 | 2,384 |
| Average total loans | $170,822,000 | 2,539 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 3,467 |
| Cost of funding earning assets | 0.3565% | 2,427 |
| Net interest margin | 2.9963% | 3,461 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.6040% | 1,818 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.5943% | 3,899 |
| Return on assets (ROA) | 0.5943% | 3,858 |
| Pretax return on assets | 0.8138% | 3,591 |
| Return on Equity (ROE) | 4.4700% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.4698% | 3,244 |
| Net charge-offs to loans | -0.0148% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.1436% | 1,306 |
| Assets per employee ($millions) | 4.6902% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,061 |
| Loan loss allowance to noncurrent loans | 119.2935% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 897 |
| Noncurrent loans to loans | 0.6604% | 1,127 |
| Net loans and leases to total assets | 84.1900% | 240 |
| Net loans and leases to deposits | 104.1254% | 294 |
| Net loans and leases to core deposits | 106.3870% | 733 |
| Total domestic deposits to total assets | 80.8600% | 3,774 |
| Equity capital to assets | 14.1130% | 565 |
| Core capital (leverage) ratio | 14.3951% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2651% | 533 |
| Memoranda: | ||
| Average total assets | $207,292,800 | 2,997 |
| Average earning assets | $201,117,200 | 2,924 |
| Average equity | $27,562,800 | 2,449 |
| Average total loans | $155,406,800 | 2,588 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1521% | 3,551 |
| Cost of funding earning assets | 0.3528% | 1,676 |
| Net interest margin | 2.7992% | 3,737 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.5977% | 1,717 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5298% | 4,013 |
| Return on assets (ROA) | 0.5298% | 3,954 |
| Pretax return on assets | 0.7293% | 3,741 |
| Return on Equity (ROE) | 4.0400% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.0431% | 3,431 |
| Net charge-offs to loans | -0.0157% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.4299% | 1,038 |
| Assets per employee ($millions) | 4.8986% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 4,238 |
| Loan loss allowance to noncurrent loans | 98.2609% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 925 |
| Noncurrent loans to loans | 0.7187% | 1,135 |
| Net loans and leases to total assets | 79.1100% | 608 |
| Net loans and leases to deposits | 94.9014% | 598 |
| Net loans and leases to core deposits | 97.3661% | 931 |
| Total domestic deposits to total assets | 83.3600% | 3,632 |
| Equity capital to assets | 13.6111% | 603 |
| Core capital (leverage) ratio | 13.5773% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8532% | 746 |
| Memoranda: | ||
| Average total assets | $209,868,750 | 3,002 |
| Average earning assets | $203,670,000 | 2,926 |
| Average equity | $27,503,250 | 2,488 |
| Average total loans | $152,466,000 | 2,610 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9408% | 3,697 |
| Cost of funding earning assets | 0.3683% | 1,121 |
| Net interest margin | 2.5724% | 3,955 |
| Noninterest income to average assets | 0.6511% | 1,536 |
| Noninterest expense to average assets | 2.4718% | 2,021 |
| Loan and lease loss provision to assets | 0.0705% | 1,356 |
| Net operating income to assets | 0.4378% | 4,032 |
| Return on assets (ROA) | 0.4378% | 3,987 |
| Pretax return on assets | 0.6022% | 3,815 |
| Return on Equity (ROE) | 3.3819% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.3819% | 3,320 |
| Net charge-offs to loans | -0.0240% | 3,955 |
| Credit loss provision to net charge-offs | -416.6667% | 3,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6077% | 1,047 |
| Assets per employee ($millions) | 4.8015% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 4,326 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 1,105 |
| Noncurrent loans to loans | 0.7044% | 1,224 |
| Net loans and leases to total assets | 72.8572% | 1,022 |
| Net loans and leases to deposits | 86.9067% | 914 |
| Net loans and leases to core deposits | 89.8947% | 1,126 |
| Total domestic deposits to total assets | 83.8338% | 3,713 |
| Equity capital to assets | 13.1586% | 638 |
| Core capital (leverage) ratio | 13.0954% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5668% | 774 |
| Memoranda: | ||
| Average total assets | $212,877,000 | 3,010 |
| Average earning assets | $206,341,667 | 2,945 |
| Average equity | $27,558,667 | 2,546 |
| Average total loans | $149,950,333 | 2,642 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7443% | 3,854 |
| Cost of funding earning assets | 0.3882% | 932 |
| Net interest margin | 2.3561% | 4,142 |
| Noninterest income to average assets | 0.6758% | 1,394 |
| Noninterest expense to average assets | 2.3530% | 2,328 |
| Loan and lease loss provision to assets | 0.0711% | 1,156 |
| Net operating income to assets | 0.3894% | 3,975 |
| Return on assets (ROA) | 0.3894% | 3,941 |
| Pretax return on assets | 0.5354% | 3,797 |
| Return on Equity (ROE) | 3.0323% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.0323% | 3,252 |
| Net charge-offs to loans | -0.0027% | 3,159 |
| Credit loss provision to net charge-offs | -3,800.0000% | 3,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5066% | 1,189 |
| Assets per employee ($millions) | 4.9527% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6853% | 4,415 |
| Loan loss allowance to noncurrent loans | 87.2269% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 1,076 |
| Noncurrent loans to loans | 0.7857% | 1,207 |
| Net loans and leases to total assets | 70.6316% | 958 |
| Net loans and leases to deposits | 83.5571% | 914 |
| Net loans and leases to core deposits | 87.2543% | 1,068 |
| Total domestic deposits to total assets | 84.5309% | 3,651 |
| Equity capital to assets | 12.9325% | 702 |
| Core capital (leverage) ratio | 13.0625% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7485% | 794 |
| Memoranda: | ||
| Average total assets | $213,681,500 | 3,010 |
| Average earning assets | $207,120,000 | 2,951 |
| Average equity | $27,438,000 | 2,638 |
| Average total loans | $147,417,500 | 2,662 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6432% | 4,369 |
| Cost of funding earning assets | 0.6111% | 514 |
| Net interest margin | 2.0321% | 4,581 |
| Noninterest income to average assets | 1.4882% | 507 |
| Noninterest expense to average assets | 2.4415% | 2,360 |
| Loan and lease loss provision to assets | 0.1623% | 726 |
| Net operating income to assets | 0.6162% | 3,839 |
| Return on assets (ROA) | 0.6162% | 3,883 |
| Pretax return on assets | 0.8503% | 3,624 |
| Return on Equity (ROE) | 4.9709% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.9709% | 2,790 |
| Net charge-offs to loans | 0.0750% | 1,043 |
| Credit loss provision to net charge-offs | 346.5347% | 997 |
| Earnings coverage of net charge-offs (x) | 21.6238% | 1,818 |
| Efficiency ratio | 70.6846% | 1,657 |
| Assets per employee ($millions) | 4.8726% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 4,421 |
| Loan loss allowance to noncurrent loans | 87.7193% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 1,211 |
| Noncurrent loans to loans | 0.7951% | 1,281 |
| Net loans and leases to total assets | 66.4075% | 1,428 |
| Net loans and leases to deposits | 78.5973% | 1,342 |
| Net loans and leases to core deposits | 81.8285% | 1,474 |
| Total domestic deposits to total assets | 84.4908% | 3,426 |
| Equity capital to assets | 12.7493% | 977 |
| Core capital (leverage) ratio | 12.4716% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0571% | 750 |
| Memoranda: | ||
| Average total assets | $215,691,000 | 2,945 |
| Average earning assets | $208,651,000 | 2,885 |
| Average equity | $26,735,800 | 2,744 |
| Average total loans | $134,697,200 | 2,786 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6374% | 4,471 |
| Cost of funding earning assets | 0.6573% | 481 |
| Net interest margin | 1.9801% | 4,688 |
| Noninterest income to average assets | 1.6535% | 461 |
| Noninterest expense to average assets | 2.4498% | 2,272 |
| Loan and lease loss provision to assets | 0.2162% | 457 |
| Net operating income to assets | 0.6536% | 3,890 |
| Return on assets (ROA) | 0.6536% | 3,942 |
| Pretax return on assets | 0.9012% | 3,691 |
| Return on Equity (ROE) | 5.3109% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.3109% | 3,098 |
| Net charge-offs to loans | 0.0916% | 787 |
| Credit loss provision to net charge-offs | 384.6154% | 877 |
| Earnings coverage of net charge-offs (x) | 19.8901% | 1,747 |
| Efficiency ratio | 68.6797% | 1,737 |
| Assets per employee ($millions) | 4.9680% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 4,450 |
| Loan loss allowance to noncurrent loans | 101.1022% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 1,664 |
| Noncurrent loans to loans | 0.7222% | 1,546 |
| Net loans and leases to total assets | 62.7600% | 1,918 |
| Net loans and leases to deposits | 74.1069% | 1,846 |
| Net loans and leases to core deposits | 77.3798% | 1,926 |
| Total domestic deposits to total assets | 84.6884% | 3,225 |
| Equity capital to assets | 12.3810% | 1,229 |
| Core capital (leverage) ratio | 12.4131% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0463% | 808 |
| Memoranda: | ||
| Average total assets | $216,014,750 | 2,968 |
| Average earning assets | $208,739,000 | 2,909 |
| Average equity | $26,586,250 | 2,784 |
| Average total loans | $132,527,750 | 2,860 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6822% | 4,478 |
| Cost of funding earning assets | 0.7050% | 458 |
| Net interest margin | 1.9772% | 4,718 |
| Noninterest income to average assets | 1.8935% | 360 |
| Noninterest expense to average assets | 2.4661% | 2,249 |
| Loan and lease loss provision to assets | 0.3253% | 244 |
| Net operating income to assets | 0.7334% | 3,675 |
| Return on assets (ROA) | 0.7334% | 3,745 |
| Pretax return on assets | 1.0104% | 3,429 |
| Return on Equity (ROE) | 5.9712% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.9712% | 2,810 |
| Net charge-offs to loans | 0.1408% | 569 |
| Credit loss provision to net charge-offs | 380.4348% | 779 |
| Earnings coverage of net charge-offs (x) | 15.6196% | 1,630 |
| Efficiency ratio | 64.8655% | 2,317 |
| Assets per employee ($millions) | 5.2839% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 4,404 |
| Loan loss allowance to noncurrent loans | 97.8641% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 1,765 |
| Noncurrent loans to loans | 0.7923% | 1,538 |
| Net loans and leases to total assets | 59.5405% | 2,478 |
| Net loans and leases to deposits | 70.3035% | 2,374 |
| Net loans and leases to core deposits | 73.5867% | 2,454 |
| Total domestic deposits to total assets | 84.6907% | 3,223 |
| Equity capital to assets | 12.3680% | 1,194 |
| Core capital (leverage) ratio | 12.2216% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5877% | 748 |
| Memoranda: | ||
| Average total assets | $215,155,333 | 2,973 |
| Average earning assets | $207,665,333 | 2,918 |
| Average equity | $26,427,000 | 2,789 |
| Average total loans | $130,637,667 | 2,894 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6962% | 4,484 |
| Cost of funding earning assets | 0.7466% | 456 |
| Net interest margin | 1.9496% | 4,752 |
| Noninterest income to average assets | 1.7704% | 456 |
| Noninterest expense to average assets | 2.4234% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8899% | 3,155 |
| Return on assets (ROA) | 0.8899% | 3,238 |
| Pretax return on assets | 1.2275% | 2,768 |
| Return on Equity (ROE) | 7.2704% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.2704% | 2,489 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3771% | 2,174 |
| Assets per employee ($millions) | 5.1734% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 4,714 |
| Loan loss allowance to noncurrent loans | 75.3769% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 2,021 |
| Noncurrent loans to loans | 0.7630% | 1,713 |
| Net loans and leases to total assets | 59.6694% | 2,580 |
| Net loans and leases to deposits | 72.0385% | 2,313 |
| Net loans and leases to core deposits | 75.9896% | 2,356 |
| Total domestic deposits to total assets | 82.8298% | 3,730 |
| Equity capital to assets | 12.1877% | 1,210 |
| Core capital (leverage) ratio | 12.4443% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5236% | 728 |
| Memoranda: | ||
| Average total assets | $214,413,500 | 2,973 |
| Average earning assets | $206,811,500 | 2,917 |
| Average equity | $26,243,500 | 2,787 |
| Average total loans | $130,958,500 | 2,886 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3563% | 4,258 |
| Cost of funding earning assets | 0.9840% | 628 |
| Net interest margin | 2.3723% | 4,674 |
| Noninterest income to average assets | 2.4413% | 251 |
| Noninterest expense to average assets | 3.0416% | 1,344 |
| Loan and lease loss provision to assets | 0.2269% | 1,720 |
| Net operating income to assets | 1.0391% | 2,143 |
| Return on assets (ROA) | 1.0391% | 2,286 |
| Pretax return on assets | 1.4312% | 1,567 |
| Return on Equity (ROE) | 8.0069% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.0069% | 1,050 |
| Net charge-offs to loans | 0.0133% | 2,863 |
| Credit loss provision to net charge-offs | 2,427.7778% | 381 |
| Earnings coverage of net charge-offs (x) | 177.3889% | 509 |
| Efficiency ratio | 64.7182% | 2,718 |
| Assets per employee ($millions) | 5.0367% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5703% | 4,740 |
| Loan loss allowance to noncurrent loans | 44.6694% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 1,288 |
| Noncurrent loans to loans | 1.2767% | 1,072 |
| Net loans and leases to total assets | 61.8149% | 2,631 |
| Net loans and leases to deposits | 75.1661% | 2,368 |
| Net loans and leases to core deposits | 79.3544% | 2,416 |
| Total domestic deposits to total assets | 82.2377% | 3,610 |
| Equity capital to assets | 12.2930% | 1,423 |
| Core capital (leverage) ratio | 12.2967% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5350% | 712 |
| Memoranda: | ||
| Average total assets | $192,562,000 | 3,008 |
| Average earning assets | $183,325,600 | 2,966 |
| Average equity | $24,991,000 | 2,804 |
| Average total loans | $135,396,400 | 2,798 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 4,113 |
| Cost of funding earning assets | 1.0199% | 712 |
| Net interest margin | 2.5381% | 4,627 |
| Noninterest income to average assets | 2.4399% | 247 |
| Noninterest expense to average assets | 3.0362% | 1,359 |
| Loan and lease loss provision to assets | 0.2215% | 1,819 |
| Net operating income to assets | 1.1571% | 1,799 |
| Return on assets (ROA) | 1.1571% | 1,912 |
| Pretax return on assets | 1.5937% | 1,201 |
| Return on Equity (ROE) | 8.7854% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.7854% | 1,041 |
| Net charge-offs to loans | 0.0176% | 2,511 |
| Credit loss provision to net charge-offs | 1,733.3333% | 544 |
| Earnings coverage of net charge-offs (x) | 142.0556% | 630 |
| Efficiency ratio | 62.5841% | 2,977 |
| Assets per employee ($millions) | 4.7463% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 4,813 |
| Loan loss allowance to noncurrent loans | 46.9572% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 1,694 |
| Noncurrent loans to loans | 1.0598% | 1,409 |
| Net loans and leases to total assets | 61.2299% | 3,091 |
| Net loans and leases to deposits | 75.0105% | 2,853 |
| Net loans and leases to core deposits | 79.5278% | 2,883 |
| Total domestic deposits to total assets | 81.6285% | 3,510 |
| Equity capital to assets | 12.5600% | 1,396 |
| Core capital (leverage) ratio | 12.7701% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5023% | 623 |
| Memoranda: | ||
| Average total assets | $187,816,750 | 3,031 |
| Average earning assets | $178,450,250 | 2,997 |
| Average equity | $24,737,500 | 2,811 |
| Average total loans | $136,366,750 | 2,791 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 3,766 |
| Cost of funding earning assets | 1.0485% | 845 |
| Net interest margin | 2.7892% | 4,467 |
| Noninterest income to average assets | 2.2907% | 253 |
| Noninterest expense to average assets | 3.0692% | 1,424 |
| Loan and lease loss provision to assets | 0.3421% | 1,245 |
| Net operating income to assets | 1.1119% | 1,928 |
| Return on assets (ROA) | 1.1119% | 2,048 |
| Pretax return on assets | 1.5308% | 1,384 |
| Return on Equity (ROE) | 8.2983% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.2983% | 1,226 |
| Net charge-offs to loans | 0.0257% | 2,207 |
| Credit loss provision to net charge-offs | 1,733.3333% | 546 |
| Earnings coverage of net charge-offs (x) | 94.8889% | 720 |
| Efficiency ratio | 62.1034% | 3,112 |
| Assets per employee ($millions) | 4.7200% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4680% | 4,861 |
| Loan loss allowance to noncurrent loans | 85.9697% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,784 |
| Noncurrent loans to loans | 0.5443% | 2,542 |
| Net loans and leases to total assets | 67.0558% | 2,491 |
| Net loans and leases to deposits | 82.5716% | 2,145 |
| Net loans and leases to core deposits | 87.4633% | 2,308 |
| Total domestic deposits to total assets | 81.2092% | 3,560 |
| Equity capital to assets | 12.6200% | 1,330 |
| Core capital (leverage) ratio | 13.1281% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7964% | 695 |
| Memoranda: | ||
| Average total assets | $182,391,333 | 3,054 |
| Average earning assets | $173,384,667 | 3,021 |
| Average equity | $24,438,667 | 2,821 |
| Average total loans | $139,958,667 | 2,747 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,812 |
| Cost of funding earning assets | 1.0778% | 1,106 |
| Net interest margin | 2.9125% | 4,418 |
| Noninterest income to average assets | 0.9859% | 888 |
| Noninterest expense to average assets | 2.8544% | 2,261 |
| Loan and lease loss provision to assets | 0.0046% | 3,683 |
| Net operating income to assets | 0.6649% | 3,390 |
| Return on assets (ROA) | 0.6649% | 3,457 |
| Pretax return on assets | 0.9148% | 3,098 |
| Return on Equity (ROE) | 4.8035% | 3,706 |
| Retained earnings to average equity (ytd only) | 4.8035% | 2,366 |
| Net charge-offs to loans | 0.0168% | 2,037 |
| Credit loss provision to net charge-offs | 33.3333% | 2,136 |
| Earnings coverage of net charge-offs (x) | 66.8333% | 748 |
| Efficiency ratio | 75.6379% | 1,604 |
| Assets per employee ($millions) | 4.2941% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2294% | 5,024 |
| Loan loss allowance to noncurrent loans | 36.2528% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 2,495 |
| Noncurrent loans to loans | 0.6329% | 2,406 |
| Net loans and leases to total assets | 78.8392% | 850 |
| Net loans and leases to deposits | 95.3975% | 973 |
| Net loans and leases to core deposits | 101.1841% | 1,384 |
| Total domestic deposits to total assets | 82.6428% | 3,224 |
| Equity capital to assets | 13.4703% | 1,230 |
| Core capital (leverage) ratio | 13.9657% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4733% | 803 |
| Memoranda: | ||
| Average total assets | $174,466,500 | 3,090 |
| Average earning assets | $167,006,000 | 3,045 |
| Average equity | $24,149,000 | 2,838 |
| Average total loans | $143,159,500 | 2,699 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 3,562 |
| Cost of funding earning assets | 0.8764% | 2,302 |
| Net interest margin | 3.4134% | 3,704 |
| Noninterest income to average assets | 1.0306% | 906 |
| Noninterest expense to average assets | 2.8860% | 2,334 |
| Loan and lease loss provision to assets | 0.0370% | 3,273 |
| Net operating income to assets | 1.0140% | 2,799 |
| Return on assets (ROA) | 1.0140% | 2,886 |
| Pretax return on assets | 1.3968% | 2,176 |
| Return on Equity (ROE) | 7.0987% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.0987% | 1,354 |
| Net charge-offs to loans | 0.0751% | 2,023 |
| Credit loss provision to net charge-offs | 57.1429% | 3,064 |
| Earnings coverage of net charge-offs (x) | 22.1524% | 1,862 |
| Efficiency ratio | 66.8094% | 2,642 |
| Assets per employee ($millions) | 4.0138% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2302% | 5,078 |
| Loan loss allowance to noncurrent loans | 36.1354% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 2,262 |
| Noncurrent loans to loans | 0.6370% | 2,293 |
| Net loans and leases to total assets | 85.1063% | 231 |
| Net loans and leases to deposits | 103.6153% | 394 |
| Net loans and leases to core deposits | 109.9595% | 853 |
| Total domestic deposits to total assets | 82.1368% | 3,474 |
| Equity capital to assets | 14.2389% | 1,024 |
| Core capital (leverage) ratio | 14.1420% | 895 |
| Tier 1 risk-based capital ratio | 20.2668% | 1,286 |
| Total risk-based capital ratio | 20.5463% | 1,422 |
| Memoranda: | ||
| Average total assets | $162,230,600 | 3,183 |
| Average earning assets | $156,327,000 | 3,120 |
| Average equity | $23,173,400 | 2,858 |
| Average total loans | $139,882,200 | 2,720 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3145% | 3,618 |
| Cost of funding earning assets | 0.8251% | 2,594 |
| Net interest margin | 3.4894% | 3,593 |
| Noninterest income to average assets | 0.9727% | 994 |
| Noninterest expense to average assets | 2.8568% | 2,387 |
| Loan and lease loss provision to assets | 0.0207% | 3,497 |
| Net operating income to assets | 1.0566% | 2,756 |
| Return on assets (ROA) | 1.0566% | 2,836 |
| Pretax return on assets | 1.4541% | 2,101 |
| Return on Equity (ROE) | 7.3905% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.3905% | 1,673 |
| Net charge-offs to loans | 0.0566% | 2,020 |
| Credit loss provision to net charge-offs | 42.3729% | 2,842 |
| Earnings coverage of net charge-offs (x) | 30.1204% | 1,620 |
| Efficiency ratio | 65.9513% | 2,733 |
| Assets per employee ($millions) | 3.9895% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2394% | 5,150 |
| Loan loss allowance to noncurrent loans | 36.7631% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,291 |
| Noncurrent loans to loans | 0.6511% | 2,329 |
| Net loans and leases to total assets | 85.3119% | 234 |
| Net loans and leases to deposits | 104.0659% | 411 |
| Net loans and leases to core deposits | 108.9270% | 996 |
| Total domestic deposits to total assets | 81.9787% | 3,483 |
| Equity capital to assets | 14.1039% | 1,112 |
| Core capital (leverage) ratio | 14.2454% | 918 |
| Tier 1 risk-based capital ratio | 20.3093% | 1,320 |
| Total risk-based capital ratio | 20.6043% | 1,458 |
| Memoranda: | ||
| Average total assets | $160,643,000 | 3,228 |
| Average earning assets | $154,636,750 | 3,175 |
| Average equity | $22,965,750 | 2,891 |
| Average total loans | $138,901,750 | 2,764 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 3,633 |
| Cost of funding earning assets | 0.7696% | 2,809 |
| Net interest margin | 3.5308% | 3,501 |
| Noninterest income to average assets | 0.8716% | 1,149 |
| Noninterest expense to average assets | 2.8989% | 2,285 |
| Loan and lease loss provision to assets | 0.0063% | 3,606 |
| Net operating income to assets | 0.9928% | 2,949 |
| Return on assets (ROA) | 0.9928% | 3,014 |
| Pretax return on assets | 1.3680% | 2,309 |
| Return on Equity (ROE) | 6.9118% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.9118% | 1,852 |
| Net charge-offs to loans | 0.0713% | 1,651 |
| Credit loss provision to net charge-offs | 10.2041% | 2,692 |
| Earnings coverage of net charge-offs (x) | 22.2041% | 1,702 |
| Efficiency ratio | 67.8392% | 2,561 |
| Assets per employee ($millions) | 3.8962% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2326% | 5,206 |
| Loan loss allowance to noncurrent loans | 41.7817% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 2,597 |
| Noncurrent loans to loans | 0.5567% | 2,601 |
| Net loans and leases to total assets | 87.2837% | 141 |
| Net loans and leases to deposits | 106.3744% | 325 |
| Net loans and leases to core deposits | 111.0721% | 916 |
| Total domestic deposits to total assets | 82.0533% | 3,499 |
| Equity capital to assets | 14.1445% | 1,074 |
| Core capital (leverage) ratio | 14.3539% | 866 |
| Tier 1 risk-based capital ratio | 20.4771% | 1,259 |
| Total risk-based capital ratio | 20.7719% | 1,403 |
| Memoranda: | ||
| Average total assets | $158,338,330 | 3,262 |
| Average earning assets | $152,542,000 | 3,205 |
| Average equity | $22,743,670 | 2,906 |
| Average total loans | $137,439,330 | 2,794 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 3,815 |
| Cost of funding earning assets | 0.7050% | 3,025 |
| Net interest margin | 3.5115% | 3,564 |
| Noninterest income to average assets | 0.7399% | 1,467 |
| Noninterest expense to average assets | 2.8313% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9429% | 3,078 |
| Return on assets (ROA) | 0.9429% | 3,121 |
| Pretax return on assets | 1.3000% | 2,455 |
| Return on Equity (ROE) | 6.5121% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.5121% | 2,243 |
| Net charge-offs to loans | 0.1456% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 10.3265% | 1,967 |
| Efficiency ratio | 68.5323% | 2,560 |
| Assets per employee ($millions) | 3.8527% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2430% | 5,271 |
| Loan loss allowance to noncurrent loans | 34.8614% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 2,077 |
| Noncurrent loans to loans | 0.6970% | 2,279 |
| Net loans and leases to total assets | 84.9892% | 281 |
| Net loans and leases to deposits | 99.9732% | 637 |
| Net loans and leases to core deposits | 104.5520% | 1,271 |
| Total domestic deposits to total assets | 85.0120% | 2,675 |
| Equity capital to assets | 14.3872% | 913 |
| Core capital (leverage) ratio | 14.6652% | 772 |
| Tier 1 risk-based capital ratio | 21.9123% | 1,061 |
| Total risk-based capital ratio | 22.2279% | 1,148 |
| Memoranda: | ||
| Average total assets | $155,687,500 | 3,332 |
| Average earning assets | $150,364,000 | 3,264 |
| Average equity | $22,542,500 | 2,924 |
| Average total loans | $134,577,000 | 2,852 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,993 |
| Cost of funding earning assets | 0.5667% | 2,948 |
| Net interest margin | 3.4458% | 3,865 |
| Noninterest income to average assets | 0.7571% | 1,614 |
| Noninterest expense to average assets | 2.7633% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9186% | 3,370 |
| Return on assets (ROA) | 0.9186% | 3,361 |
| Pretax return on assets | 1.2987% | 2,505 |
| Return on Equity (ROE) | 6.6839% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.6839% | 1,831 |
| Net charge-offs to loans | 0.0761% | 2,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.4300% | 2,003 |
| Efficiency ratio | 68.0282% | 2,539 |
| Assets per employee ($millions) | 3.8354% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2794% | 5,291 |
| Loan loss allowance to noncurrent loans | 30.4947% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 1,576 |
| Noncurrent loans to loans | 0.9162% | 1,750 |
| Net loans and leases to total assets | 87.4765% | 138 |
| Net loans and leases to deposits | 103.1871% | 529 |
| Net loans and leases to core deposits | 107.8188% | 1,130 |
| Total domestic deposits to total assets | 84.7746% | 2,738 |
| Equity capital to assets | 14.5742% | 815 |
| Core capital (leverage) ratio | 14.1243% | 889 |
| Tier 1 risk-based capital ratio | 22.1086% | 1,017 |
| Total risk-based capital ratio | 22.4808% | 1,113 |
| Memoranda: | ||
| Average total assets | $157,312,000 | 3,312 |
| Average earning assets | $150,877,400 | 3,234 |
| Average equity | $21,619,200 | 2,926 |
| Average total loans | $131,423,600 | 2,860 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 4,115 |
| Cost of funding earning assets | 0.5456% | 2,888 |
| Net interest margin | 3.3913% | 4,027 |
| Noninterest income to average assets | 0.7598% | 1,633 |
| Noninterest expense to average assets | 2.7022% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9156% | 3,457 |
| Return on assets (ROA) | 0.9156% | 3,463 |
| Pretax return on assets | 1.3039% | 2,613 |
| Return on Equity (ROE) | 6.7616% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.7616% | 2,255 |
| Net charge-offs to loans | 0.0327% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 48.3700% | 1,193 |
| Efficiency ratio | 67.4516% | 2,635 |
| Assets per employee ($millions) | 3.9483% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3353% | 5,336 |
| Loan loss allowance to noncurrent loans | 30.8977% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 1,493 |
| Noncurrent loans to loans | 1.0850% | 1,567 |
| Net loans and leases to total assets | 83.5764% | 503 |
| Net loans and leases to deposits | 97.8422% | 961 |
| Net loans and leases to core deposits | 101.2504% | 1,676 |
| Total domestic deposits to total assets | 85.4196% | 2,449 |
| Equity capital to assets | 13.9308% | 977 |
| Core capital (leverage) ratio | 13.8401% | 983 |
| Tier 1 risk-based capital ratio | 22.1373% | 1,033 |
| Total risk-based capital ratio | 22.5845% | 1,118 |
| Memoranda: | ||
| Average total assets | $158,286,250 | 3,330 |
| Average earning assets | $151,519,250 | 3,256 |
| Average equity | $21,434,250 | 2,957 |
| Average total loans | $130,635,000 | 2,894 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 4,247 |
| Cost of funding earning assets | 0.5254% | 2,797 |
| Net interest margin | 3.3132% | 4,210 |
| Noninterest income to average assets | 0.7007% | 1,867 |
| Noninterest expense to average assets | 2.7007% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8283% | 3,760 |
| Return on assets (ROA) | 0.8283% | 3,764 |
| Pretax return on assets | 1.1692% | 3,050 |
| Return on Equity (ROE) | 6.1755% | 4,167 |
| Retained earnings to average equity (ytd only) | 6.1755% | 2,470 |
| Net charge-offs to loans | 0.0492% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 28.9375% | 1,542 |
| Efficiency ratio | 69.7879% | 2,353 |
| Assets per employee ($millions) | 3.9811% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3404% | 5,399 |
| Loan loss allowance to noncurrent loans | 29.0007% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 1,567 |
| Noncurrent loans to loans | 1.1739% | 1,485 |
| Net loans and leases to total assets | 81.6208% | 754 |
| Net loans and leases to deposits | 95.1474% | 1,233 |
| Net loans and leases to core deposits | 98.7930% | 1,830 |
| Total domestic deposits to total assets | 85.7835% | 2,384 |
| Equity capital to assets | 13.5452% | 1,086 |
| Core capital (leverage) ratio | 13.6977% | 994 |
| Tier 1 risk-based capital ratio | 22.2481% | 1,009 |
| Total risk-based capital ratio | 22.7066% | 1,083 |
| Memoranda: | ||
| Average total assets | $158,404,670 | 3,339 |
| Average earning assets | $151,517,000 | 3,274 |
| Average equity | $21,245,330 | 2,995 |
| Average total loans | $130,034,330 | 2,911 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 4,166 |
| Cost of funding earning assets | 0.5038% | 2,766 |
| Net interest margin | 3.3143% | 4,149 |
| Noninterest income to average assets | 0.6330% | 2,114 |
| Noninterest expense to average assets | 2.6129% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8558% | 3,473 |
| Return on assets (ROA) | 0.8558% | 3,488 |
| Pretax return on assets | 1.1849% | 2,822 |
| Return on Equity (ROE) | 6.4127% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.4127% | 2,544 |
| Net charge-offs to loans | 0.0955% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.0968% | 1,679 |
| Efficiency ratio | 68.8000% | 2,700 |
| Assets per employee ($millions) | 3.9387% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3488% | 5,465 |
| Loan loss allowance to noncurrent loans | 28.9902% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 1,613 |
| Noncurrent loans to loans | 1.2030% | 1,514 |
| Net loans and leases to total assets | 80.7066% | 834 |
| Net loans and leases to deposits | 93.8737% | 1,235 |
| Net loans and leases to core deposits | 97.4636% | 1,869 |
| Total domestic deposits to total assets | 85.9736% | 2,551 |
| Equity capital to assets | 13.4894% | 1,047 |
| Core capital (leverage) ratio | 13.6137% | 973 |
| Tier 1 risk-based capital ratio | 22.9179% | 952 |
| Total risk-based capital ratio | 23.3983% | 1,014 |
| Memoranda: | ||
| Average total assets | $157,984,500 | 3,387 |
| Average earning assets | $150,860,500 | 3,318 |
| Average equity | $21,083,000 | 3,036 |
| Average total loans | $129,841,000 | 2,938 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,316 |
| Cost of funding earning assets | 0.4975% | 2,355 |
| Net interest margin | 3.2105% | 4,422 |
| Noninterest income to average assets | 0.7528% | 1,762 |
| Noninterest expense to average assets | 2.5675% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7690% | 3,307 |
| Return on assets (ROA) | 0.7690% | 3,347 |
| Pretax return on assets | 1.2567% | 2,523 |
| Return on Equity (ROE) | 6.0955% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.0955% | 1,485 |
| Net charge-offs to loans | 0.0579% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.5789% | 1,670 |
| Efficiency ratio | 67.1384% | 3,057 |
| Assets per employee ($millions) | 3.9606% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3604% | 5,518 |
| Loan loss allowance to noncurrent loans | 28.5886% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 1,451 |
| Noncurrent loans to loans | 1.2605% | 1,396 |
| Net loans and leases to total assets | 83.0757% | 549 |
| Net loans and leases to deposits | 96.4028% | 1,050 |
| Net loans and leases to core deposits | 99.8361% | 1,727 |
| Total domestic deposits to total assets | 86.1756% | 2,360 |
| Equity capital to assets | 13.2014% | 1,161 |
| Core capital (leverage) ratio | 12.9041% | 1,177 |
| Tier 1 risk-based capital ratio | 22.3258% | 980 |
| Total risk-based capital ratio | 22.8344% | 1,043 |
| Memoranda: | ||
| Average total assets | $160,737,800 | 3,339 |
| Average earning assets | $153,774,800 | 3,272 |
| Average equity | $20,277,200 | 3,113 |
| Average total loans | $131,223,200 | 2,895 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 4,364 |
| Cost of funding earning assets | 0.4968% | 2,294 |
| Net interest margin | 3.1888% | 4,476 |
| Noninterest income to average assets | 0.7546% | 1,761 |
| Noninterest expense to average assets | 2.5514% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7505% | 3,736 |
| Return on assets (ROA) | 0.7505% | 3,796 |
| Pretax return on assets | 1.2538% | 2,688 |
| Return on Equity (ROE) | 6.0177% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.0177% | 2,224 |
| Net charge-offs to loans | 0.0773% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.9607% | 1,976 |
| Efficiency ratio | 67.0504% | 3,041 |
| Assets per employee ($millions) | 4.0729% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3604% | 5,590 |
| Loan loss allowance to noncurrent loans | 37.0428% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 2,166 |
| Noncurrent loans to loans | 0.9729% | 1,978 |
| Net loans and leases to total assets | 80.7766% | 874 |
| Net loans and leases to deposits | 93.0113% | 1,421 |
| Net loans and leases to core deposits | 96.2727% | 2,041 |
| Total domestic deposits to total assets | 86.8460% | 1,935 |
| Equity capital to assets | 12.6360% | 1,582 |
| Core capital (leverage) ratio | 12.6614% | 1,347 |
| Tier 1 risk-based capital ratio | 22.0312% | 1,042 |
| Total risk-based capital ratio | 22.5408% | 1,131 |
| Memoranda: | ||
| Average total assets | $161,316,500 | 3,359 |
| Average earning assets | $154,330,000 | 3,295 |
| Average equity | $20,118,000 | 3,152 |
| Average total loans | $131,007,250 | 2,929 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6487% | 4,368 |
| Cost of funding earning assets | 0.4965% | 2,191 |
| Net interest margin | 3.1522% | 4,538 |
| Noninterest income to average assets | 0.7339% | 1,845 |
| Noninterest expense to average assets | 2.5251% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7289% | 3,715 |
| Return on assets (ROA) | 0.7289% | 3,778 |
| Pretax return on assets | 1.2178% | 2,708 |
| Return on Equity (ROE) | 5.8712% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.8712% | 2,188 |
| Net charge-offs to loans | 0.1393% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.7582% | 2,325 |
| Efficiency ratio | 67.4643% | 3,100 |
| Assets per employee ($millions) | 4.0841% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3479% | 5,644 |
| Loan loss allowance to noncurrent loans | 35.7088% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 2,075 |
| Noncurrent loans to loans | 0.9742% | 2,016 |
| Net loans and leases to total assets | 80.8389% | 832 |
| Net loans and leases to deposits | 92.7479% | 1,393 |
| Net loans and leases to core deposits | 95.9885% | 1,980 |
| Total domestic deposits to total assets | 87.1598% | 1,874 |
| Equity capital to assets | 12.4044% | 1,667 |
| Core capital (leverage) ratio | 12.6398% | 1,319 |
| Tier 1 risk-based capital ratio | 21.6138% | 1,098 |
| Total risk-based capital ratio | 22.1057% | 1,185 |
| Memoranda: | ||
| Average total assets | $160,783,330 | 3,388 |
| Average earning assets | $153,478,000 | 3,329 |
| Average equity | $19,962,000 | 3,161 |
| Average total loans | $130,651,670 | 2,939 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 4,516 |
| Cost of funding earning assets | 0.4959% | 2,123 |
| Net interest margin | 3.0648% | 4,754 |
| Noninterest income to average assets | 0.6295% | 2,273 |
| Noninterest expense to average assets | 2.4477% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6671% | 3,848 |
| Return on assets (ROA) | 0.6671% | 3,889 |
| Pretax return on assets | 1.1110% | 2,933 |
| Return on Equity (ROE) | 5.3708% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.3708% | 2,686 |
| Net charge-offs to loans | 0.1203% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 11.3590% | 1,898 |
| Efficiency ratio | 68.7808% | 3,082 |
| Assets per employee ($millions) | 3.9975% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3934% | 5,690 |
| Loan loss allowance to noncurrent loans | 37.5274% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 2,049 |
| Noncurrent loans to loans | 1.0483% | 1,965 |
| Net loans and leases to total assets | 81.2349% | 667 |
| Net loans and leases to deposits | 93.3099% | 1,184 |
| Net loans and leases to core deposits | 96.8809% | 1,759 |
| Total domestic deposits to total assets | 87.0593% | 2,187 |
| Equity capital to assets | 12.4730% | 1,562 |
| Core capital (leverage) ratio | 12.6744% | 1,258 |
| Tier 1 risk-based capital ratio | 21.8247% | 1,103 |
| Total risk-based capital ratio | 22.3863% | 1,183 |
| Memoranda: | ||
| Average total assets | $159,494,000 | 3,439 |
| Average earning assets | $152,442,500 | 3,372 |
| Average equity | $19,811,000 | 3,190 |
| Average total loans | $129,717,000 | 2,964 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 4,835 |
| Cost of funding earning assets | 0.5143% | 1,984 |
| Net interest margin | 2.9596% | 5,034 |
| Noninterest income to average assets | 0.7779% | 1,836 |
| Noninterest expense to average assets | 2.5282% | 3,925 |
| Loan and lease loss provision to assets | 0.0156% | 4,060 |
| Net operating income to assets | 0.6316% | 4,086 |
| Return on assets (ROA) | 0.6316% | 4,191 |
| Pretax return on assets | 1.0555% | 3,278 |
| Return on Equity (ROE) | 5.2702% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.2702% | 2,150 |
| Net charge-offs to loans | 0.0285% | 3,453 |
| Credit loss provision to net charge-offs | 69.4444% | 3,138 |
| Earnings coverage of net charge-offs (x) | 47.5833% | 1,041 |
| Efficiency ratio | 70.2397% | 2,862 |
| Assets per employee ($millions) | 3.9773% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4278% | 5,715 |
| Loan loss allowance to noncurrent loans | 38.7640% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 2,073 |
| Noncurrent loans to loans | 1.1036% | 1,881 |
| Net loans and leases to total assets | 80.7568% | 773 |
| Net loans and leases to deposits | 92.7236% | 1,338 |
| Net loans and leases to core deposits | 96.2764% | 1,903 |
| Total domestic deposits to total assets | 87.0941% | 2,088 |
| Equity capital to assets | 12.3691% | 1,596 |
| Core capital (leverage) ratio | 12.2414% | 1,457 |
| Tier 1 risk-based capital ratio | 21.8780% | 1,099 |
| Total risk-based capital ratio | 22.4919% | 1,152 |
| Memoranda: | ||
| Average total assets | $159,918,400 | 3,396 |
| Average earning assets | $152,450,600 | 3,342 |
| Average equity | $19,164,400 | 3,255 |
| Average total loans | $126,310,200 | 2,973 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 4,912 |
| Cost of funding earning assets | 0.5149% | 1,977 |
| Net interest margin | 2.9419% | 5,109 |
| Noninterest income to average assets | 0.8060% | 1,742 |
| Noninterest expense to average assets | 2.5313% | 3,892 |
| Loan and lease loss provision to assets | 0.0125% | 3,998 |
| Net operating income to assets | 0.6370% | 4,131 |
| Return on assets (ROA) | 0.6370% | 4,262 |
| Pretax return on assets | 1.0641% | 3,378 |
| Return on Equity (ROE) | 5.3581% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.3581% | 2,579 |
| Net charge-offs to loans | 0.0191% | 3,326 |
| Credit loss provision to net charge-offs | 83.3333% | 2,623 |
| Earnings coverage of net charge-offs (x) | 71.8317% | 844 |
| Efficiency ratio | 70.1592% | 2,863 |
| Assets per employee ($millions) | 4.0276% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4470% | 5,770 |
| Loan loss allowance to noncurrent loans | 37.6851% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 2,255 |
| Noncurrent loans to loans | 1.1860% | 1,895 |
| Net loans and leases to total assets | 77.4227% | 1,294 |
| Net loans and leases to deposits | 88.5226% | 1,947 |
| Net loans and leases to core deposits | 91.4645% | 2,439 |
| Total domestic deposits to total assets | 87.4609% | 1,687 |
| Equity capital to assets | 12.0624% | 2,072 |
| Core capital (leverage) ratio | 12.1940% | 1,551 |
| Tier 1 risk-based capital ratio | 22.1970% | 1,112 |
| Total risk-based capital ratio | 22.8366% | 1,165 |
| Memoranda: | ||
| Average total assets | $160,125,500 | 3,410 |
| Average earning assets | $152,503,500 | 3,358 |
| Average equity | $19,036,000 | 3,291 |
| Average total loans | $125,630,750 | 2,991 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4274% | 5,024 |
| Cost of funding earning assets | 0.5138% | 1,995 |
| Net interest margin | 2.9135% | 5,243 |
| Noninterest income to average assets | 0.7197% | 2,049 |
| Noninterest expense to average assets | 2.5006% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6083% | 4,233 |
| Return on assets (ROA) | 0.6083% | 4,357 |
| Pretax return on assets | 1.0150% | 3,530 |
| Return on Equity (ROE) | 5.1419% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.1419% | 2,636 |
| Net charge-offs to loans | 0.0286% | 2,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 45.0556% | 1,067 |
| Efficiency ratio | 71.1285% | 2,799 |
| Assets per employee ($millions) | 3.9719% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4309% | 5,861 |
| Loan loss allowance to noncurrent loans | 35.7846% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 2,231 |
| Noncurrent loans to loans | 1.2041% | 1,916 |
| Net loans and leases to total assets | 79.2711% | 1,022 |
| Net loans and leases to deposits | 90.5693% | 1,688 |
| Net loans and leases to core deposits | 93.7752% | 2,188 |
| Total domestic deposits to total assets | 87.5254% | 1,659 |
| Equity capital to assets | 12.0560% | 2,090 |
| Core capital (leverage) ratio | 11.9335% | 1,679 |
| Tier 1 risk-based capital ratio | 21.3713% | 1,216 |
| Total risk-based capital ratio | 21.9794% | 1,285 |
| Memoranda: | ||
| Average total assets | $159,799,330 | 3,437 |
| Average earning assets | $153,354,330 | 3,366 |
| Average equity | $18,903,670 | 3,313 |
| Average total loans | $125,744,000 | 3,004 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 5,130 |
| Cost of funding earning assets | 0.5147% | 1,986 |
| Net interest margin | 2.8856% | 5,349 |
| Noninterest income to average assets | 0.6315% | 2,358 |
| Noninterest expense to average assets | 2.4760% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5516% | 4,417 |
| Return on assets (ROA) | 0.5516% | 4,517 |
| Pretax return on assets | 0.9260% | 3,748 |
| Return on Equity (ROE) | 4.7075% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.7075% | 3,116 |
| Net charge-offs to loans | 0.0702% | 1,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 16.8636% | 1,602 |
| Efficiency ratio | 72.7806% | 2,685 |
| Assets per employee ($millions) | 4.0337% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4342% | 5,923 |
| Loan loss allowance to noncurrent loans | 47.0026% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 2,863 |
| Noncurrent loans to loans | 0.9237% | 2,538 |
| Net loans and leases to total assets | 76.8929% | 1,265 |
| Net loans and leases to deposits | 87.4807% | 1,887 |
| Net loans and leases to core deposits | 90.4990% | 2,322 |
| Total domestic deposits to total assets | 87.8970% | 1,697 |
| Equity capital to assets | 11.7069% | 2,236 |
| Core capital (leverage) ratio | 11.8797% | 1,688 |
| Tier 1 risk-based capital ratio | 21.2503% | 1,274 |
| Total risk-based capital ratio | 21.8590% | 1,363 |
| Memoranda: | ||
| Average total assets | $160,261,500 | 3,444 |
| Average earning assets | $153,869,500 | 3,369 |
| Average equity | $18,778,500 | 3,333 |
| Average total loans | $125,372,500 | 3,007 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 5,293 |
| Cost of funding earning assets | 0.5323% | 1,905 |
| Net interest margin | 2.7984% | 5,513 |
| Noninterest income to average assets | 0.6447% | 2,491 |
| Noninterest expense to average assets | 2.4126% | 4,483 |
| Loan and lease loss provision to assets | 0.0622% | 3,056 |
| Net operating income to assets | 0.5115% | 4,650 |
| Return on assets (ROA) | 0.5115% | 4,736 |
| Pretax return on assets | 0.8525% | 4,010 |
| Return on Equity (ROE) | 4.5023% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.5023% | 2,778 |
| Net charge-offs to loans | 0.0693% | 2,855 |
| Credit loss provision to net charge-offs | 116.2791% | 2,200 |
| Earnings coverage of net charge-offs (x) | 17.0930% | 2,094 |
| Efficiency ratio | 72.5079% | 2,828 |
| Assets per employee ($millions) | 3.9794% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4463% | 5,958 |
| Loan loss allowance to noncurrent loans | 42.1723% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 2,572 |
| Noncurrent loans to loans | 1.0584% | 2,219 |
| Net loans and leases to total assets | 78.8917% | 1,007 |
| Net loans and leases to deposits | 89.7554% | 1,641 |
| Net loans and leases to core deposits | 92.1760% | 2,201 |
| Total domestic deposits to total assets | 87.8963% | 1,686 |
| Equity capital to assets | 11.7280% | 2,174 |
| Core capital (leverage) ratio | 11.6546% | 1,845 |
| Tier 1 risk-based capital ratio | 20.9720% | 1,308 |
| Total risk-based capital ratio | 21.6045% | 1,395 |
| Memoranda: | ||
| Average total assets | $160,695,000 | 3,419 |
| Average earning assets | $154,052,200 | 3,345 |
| Average equity | $18,257,200 | 3,346 |
| Average total loans | $124,052,400 | 2,988 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 5,368 |
| Cost of funding earning assets | 0.5359% | 1,921 |
| Net interest margin | 2.7885% | 5,604 |
| Noninterest income to average assets | 0.6341% | 2,563 |
| Noninterest expense to average assets | 2.4038% | 4,502 |
| Loan and lease loss provision to assets | 0.0621% | 2,941 |
| Net operating income to assets | 0.5033% | 4,776 |
| Return on assets (ROA) | 0.5033% | 4,864 |
| Pretax return on assets | 0.8385% | 4,211 |
| Return on Equity (ROE) | 4.4653% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.4653% | 3,286 |
| Net charge-offs to loans | 0.0874% | 2,295 |
| Credit loss provision to net charge-offs | 92.5926% | 2,433 |
| Earnings coverage of net charge-offs (x) | 13.4318% | 2,333 |
| Efficiency ratio | 72.7455% | 2,758 |
| Assets per employee ($millions) | 4.1068% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 6,062 |
| Loan loss allowance to noncurrent loans | 38.7580% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 2,663 |
| Noncurrent loans to loans | 1.1251% | 2,253 |
| Net loans and leases to total assets | 77.4083% | 1,189 |
| Net loans and leases to deposits | 87.7773% | 1,933 |
| Net loans and leases to core deposits | 90.4700% | 2,417 |
| Total domestic deposits to total assets | 88.1872% | 1,461 |
| Equity capital to assets | 11.5219% | 2,489 |
| Core capital (leverage) ratio | 11.4702% | 2,060 |
| Tier 1 risk-based capital ratio | 20.8360% | 1,375 |
| Total risk-based capital ratio | 21.4493% | 1,472 |
| Memoranda: | ||
| Average total assets | $161,075,250 | 3,449 |
| Average earning assets | $154,249,250 | 3,368 |
| Average equity | $18,154,500 | 3,387 |
| Average total loans | $123,531,000 | 3,017 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3267% | 5,388 |
| Cost of funding earning assets | 0.5362% | 1,934 |
| Net interest margin | 2.7906% | 5,628 |
| Noninterest income to average assets | 0.6023% | 2,726 |
| Noninterest expense to average assets | 2.3671% | 4,669 |
| Loan and lease loss provision to assets | 0.0434% | 3,240 |
| Net operating income to assets | 0.5218% | 4,676 |
| Return on assets (ROA) | 0.5218% | 4,780 |
| Pretax return on assets | 0.8688% | 4,074 |
| Return on Equity (ROE) | 4.6636% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.6636% | 3,071 |
| Net charge-offs to loans | 0.0357% | 2,962 |
| Credit loss provision to net charge-offs | 159.0909% | 1,472 |
| Earnings coverage of net charge-offs (x) | 33.4545% | 1,271 |
| Efficiency ratio | 72.1844% | 2,979 |
| Assets per employee ($millions) | 4.1274% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4545% | 6,127 |
| Loan loss allowance to noncurrent loans | 40.4317% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 2,651 |
| Noncurrent loans to loans | 1.1242% | 2,404 |
| Net loans and leases to total assets | 76.4636% | 1,302 |
| Net loans and leases to deposits | 86.5282% | 2,001 |
| Net loans and leases to core deposits | 89.1530% | 2,435 |
| Total domestic deposits to total assets | 88.3685% | 1,456 |
| Equity capital to assets | 11.3482% | 2,529 |
| Core capital (leverage) ratio | 11.3485% | 2,122 |
| Tier 1 risk-based capital ratio | 20.9314% | 1,381 |
| Total risk-based capital ratio | 21.5753% | 1,454 |
| Memoranda: | ||
| Average total assets | $161,378,670 | 3,467 |
| Average earning assets | $154,807,330 | 3,378 |
| Average equity | $18,054,670 | 3,413 |
| Average total loans | $123,200,000 | 3,032 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 5,342 |
| Cost of funding earning assets | 0.5423% | 1,911 |
| Net interest margin | 2.7995% | 5,641 |
| Noninterest income to average assets | 0.6015% | 2,640 |
| Noninterest expense to average assets | 2.4087% | 4,566 |
| Loan and lease loss provision to assets | 0.0371% | 3,157 |
| Net operating income to assets | 0.5075% | 4,644 |
| Return on assets (ROA) | 0.5075% | 4,765 |
| Pretax return on assets | 0.8392% | 4,104 |
| Return on Equity (ROE) | 4.5686% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.5686% | 3,285 |
| Net charge-offs to loans | 0.0358% | 2,497 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 32.1818% | 1,105 |
| Efficiency ratio | 73.3233% | 2,941 |
| Assets per employee ($millions) | 4.1496% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4474% | 6,207 |
| Loan loss allowance to noncurrent loans | 44.0287% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 2,659 |
| Noncurrent loans to loans | 1.0162% | 2,734 |
| Net loans and leases to total assets | 76.0339% | 1,201 |
| Net loans and leases to deposits | 85.8758% | 1,846 |
| Net loans and leases to core deposits | 88.2970% | 2,296 |
| Total domestic deposits to total assets | 88.5394% | 1,527 |
| Equity capital to assets | 11.1541% | 2,803 |
| Core capital (leverage) ratio | 11.2357% | 2,206 |
| Tier 1 risk-based capital ratio | 20.6910% | 1,482 |
| Total risk-based capital ratio | 21.3248% | 1,566 |
| Memoranda: | ||
| Average total assets | $161,584,000 | 3,486 |
| Average earning assets | $154,884,500 | 3,393 |
| Average equity | $17,948,500 | 3,454 |
| Average total loans | $122,978,000 | 3,037 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3887% | 5,554 |
| Cost of funding earning assets | 0.6171% | 1,626 |
| Net interest margin | 2.7716% | 5,849 |
| Noninterest income to average assets | 0.5466% | 3,192 |
| Noninterest expense to average assets | 2.2188% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5938% | 4,403 |
| Return on assets (ROA) | 0.5938% | 4,484 |
| Pretax return on assets | 0.9890% | 3,543 |
| Return on Equity (ROE) | 5.5831% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.5831% | 2,203 |
| Net charge-offs to loans | 0.1050% | 3,007 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.3206% | 2,389 |
| Efficiency ratio | 69.1691% | 3,676 |
| Assets per employee ($millions) | 4.2457% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 6,300 |
| Loan loss allowance to noncurrent loans | 48.2425% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 2,766 |
| Noncurrent loans to loans | 0.9301% | 2,992 |
| Net loans and leases to total assets | 75.4988% | 1,343 |
| Net loans and leases to deposits | 85.1582% | 2,078 |
| Net loans and leases to core deposits | 87.3844% | 2,569 |
| Total domestic deposits to total assets | 88.6571% | 1,440 |
| Equity capital to assets | 11.0615% | 2,839 |
| Core capital (leverage) ratio | 11.0383% | 2,370 |
| Tier 1 risk-based capital ratio | 21.1524% | 1,373 |
| Total risk-based capital ratio | 21.8047% | 1,472 |
| Memoranda: | ||
| Average total assets | $163,194,400 | 3,440 |
| Average earning assets | $156,696,400 | 3,329 |
| Average equity | $17,356,000 | 3,479 |
| Average total loans | $124,778,800 | 2,960 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4062% | 5,585 |
| Cost of funding earning assets | 0.6300% | 1,600 |
| Net interest margin | 2.7763% | 5,902 |
| Noninterest income to average assets | 0.5344% | 3,296 |
| Noninterest expense to average assets | 2.2306% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5817% | 4,528 |
| Return on assets (ROA) | 0.5817% | 4,616 |
| Pretax return on assets | 0.9678% | 3,725 |
| Return on Equity (ROE) | 5.5240% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.5240% | 2,728 |
| Net charge-offs to loans | 0.1085% | 2,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.6468% | 2,398 |
| Efficiency ratio | 69.7402% | 3,557 |
| Assets per employee ($millions) | 4.3716% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4677% | 6,369 |
| Loan loss allowance to noncurrent loans | 47.9668% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 2,927 |
| Noncurrent loans to loans | 0.9751% | 3,125 |
| Net loans and leases to total assets | 74.0390% | 1,520 |
| Net loans and leases to deposits | 83.1019% | 2,277 |
| Net loans and leases to core deposits | 85.4619% | 2,721 |
| Total domestic deposits to total assets | 89.0942% | 1,182 |
| Equity capital to assets | 10.5892% | 3,445 |
| Core capital (leverage) ratio | 10.5666% | 2,961 |
| Tier 1 risk-based capital ratio | 20.5093% | 1,549 |
| Total risk-based capital ratio | 21.1848% | 1,662 |
| Memoranda: | ||
| Average total assets | $163,659,250 | 3,462 |
| Average earning assets | $157,041,000 | 3,348 |
| Average equity | $17,233,500 | 3,508 |
| Average total loans | $125,384,750 | 2,969 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 5,573 |
| Cost of funding earning assets | 0.6403% | 1,586 |
| Net interest margin | 2.7830% | 5,940 |
| Noninterest income to average assets | 0.5441% | 3,173 |
| Noninterest expense to average assets | 2.2157% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6067% | 4,326 |
| Return on assets (ROA) | 0.6067% | 4,422 |
| Pretax return on assets | 1.0084% | 3,447 |
| Return on Equity (ROE) | 5.7729% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.7729% | 2,469 |
| Net charge-offs to loans | -0.0016% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7238% | 3,877 |
| Assets per employee ($millions) | 4.3146% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5431% | 6,369 |
| Loan loss allowance to noncurrent loans | 38.4095% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 2,773 |
| Noncurrent loans to loans | 1.4139% | 2,436 |
| Net loans and leases to total assets | 76.0669% | 1,149 |
| Net loans and leases to deposits | 85.3860% | 1,878 |
| Net loans and leases to core deposits | 87.8317% | 2,331 |
| Total domestic deposits to total assets | 89.0859% | 1,309 |
| Equity capital to assets | 10.5951% | 3,318 |
| Core capital (leverage) ratio | 10.5722% | 2,861 |
| Tier 1 risk-based capital ratio | 20.1819% | 1,641 |
| Total risk-based capital ratio | 20.9750% | 1,720 |
| Memoranda: | ||
| Average total assets | $162,838,330 | 3,496 |
| Average earning assets | $156,810,330 | 3,367 |
| Average equity | $17,114,330 | 3,532 |
| Average total loans | $125,988,670 | 2,946 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 5,573 |
| Cost of funding earning assets | 0.6539% | 1,562 |
| Net interest margin | 2.7815% | 5,973 |
| Noninterest income to average assets | 0.5373% | 3,130 |
| Noninterest expense to average assets | 2.3342% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5373% | 4,514 |
| Return on assets (ROA) | 0.5373% | 4,589 |
| Pretax return on assets | 0.8873% | 3,751 |
| Return on Equity (ROE) | 5.1336% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.1336% | 3,033 |
| Net charge-offs to loans | -0.0190% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4560% | 3,411 |
| Assets per employee ($millions) | 4.2916% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 6,456 |
| Loan loss allowance to noncurrent loans | 40.1639% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 2,921 |
| Noncurrent loans to loans | 1.3643% | 2,747 |
| Net loans and leases to total assets | 76.3477% | 958 |
| Net loans and leases to deposits | 85.5871% | 1,647 |
| Net loans and leases to core deposits | 88.0269% | 2,091 |
| Total domestic deposits to total assets | 89.2046% | 1,528 |
| Equity capital to assets | 10.4826% | 3,258 |
| Core capital (leverage) ratio | 10.4596% | 2,978 |
| Tier 1 risk-based capital ratio | 19.9899% | 1,722 |
| Total risk-based capital ratio | 20.7941% | 1,795 |
| Memoranda: | ||
| Average total assets | $162,281,000 | 3,527 |
| Average earning assets | $156,608,500 | 3,396 |
| Average equity | $16,986,000 | 3,551 |
| Average total loans | $126,285,500 | 2,937 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 5,451 |
| Cost of funding earning assets | 0.7628% | 1,422 |
| Net interest margin | 2.8207% | 5,946 |
| Noninterest income to average assets | 0.6310% | 2,911 |
| Noninterest expense to average assets | 2.2393% | 5,534 |
| Loan and lease loss provision to assets | 0.0773% | 3,562 |
| Net operating income to assets | 0.6156% | 4,191 |
| Return on assets (ROA) | 0.6156% | 4,304 |
| Pretax return on assets | 1.0229% | 3,253 |
| Return on Equity (ROE) | 6.0817% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.0817% | 1,919 |
| Net charge-offs to loans | 0.0837% | 4,042 |
| Credit loss provision to net charge-offs | 119.0476% | 2,008 |
| Earnings coverage of net charge-offs (x) | 16.9524% | 1,754 |
| Efficiency ratio | 67.0553% | 4,363 |
| Assets per employee ($millions) | 4.2496% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5338% | 6,545 |
| Loan loss allowance to noncurrent loans | 49.5988% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0651% | 3,281 |
| Noncurrent loans to loans | 1.0763% | 3,374 |
| Net loans and leases to total assets | 78.4590% | 769 |
| Net loans and leases to deposits | 87.9884% | 1,467 |
| Net loans and leases to core deposits | 90.6760% | 1,939 |
| Total domestic deposits to total assets | 89.1698% | 1,505 |
| Equity capital to assets | 10.4513% | 3,218 |
| Core capital (leverage) ratio | 10.4280% | 2,989 |
| Tier 1 risk-based capital ratio | 19.2426% | 1,849 |
| Total risk-based capital ratio | 20.0199% | 1,949 |
| Memoranda: | ||
| Average total assets | $161,794,000 | 3,532 |
| Average earning assets | $155,352,400 | 3,412 |
| Average equity | $16,377,000 | 3,643 |
| Average total loans | $125,465,200 | 2,928 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 5,459 |
| Cost of funding earning assets | 0.7811% | 1,424 |
| Net interest margin | 2.8116% | 5,996 |
| Noninterest income to average assets | 0.6696% | 2,781 |
| Noninterest expense to average assets | 2.2758% | 5,419 |
| Loan and lease loss provision to assets | 0.0906% | 3,253 |
| Net operating income to assets | 0.5996% | 4,348 |
| Return on assets (ROA) | 0.5996% | 4,472 |
| Pretax return on assets | 0.9983% | 3,508 |
| Return on Equity (ROE) | 5.9724% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.9724% | 2,430 |
| Net charge-offs to loans | 0.1003% | 3,545 |
| Credit loss provision to net charge-offs | 117.0213% | 2,012 |
| Earnings coverage of net charge-offs (x) | 14.0638% | 1,973 |
| Efficiency ratio | 67.6377% | 4,162 |
| Assets per employee ($millions) | 4.2108% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5303% | 6,631 |
| Loan loss allowance to noncurrent loans | 50.7889% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 3,519 |
| Noncurrent loans to loans | 1.0441% | 3,713 |
| Net loans and leases to total assets | 77.2173% | 847 |
| Net loans and leases to deposits | 86.2404% | 1,591 |
| Net loans and leases to core deposits | 88.8377% | 2,092 |
| Total domestic deposits to total assets | 89.5373% | 1,273 |
| Equity capital to assets | 10.1138% | 3,751 |
| Core capital (leverage) ratio | 10.0908% | 3,537 |
| Tier 1 risk-based capital ratio | 18.8193% | 2,044 |
| Total risk-based capital ratio | 19.5872% | 2,164 |
| Memoranda: | ||
| Average total assets | $161,871,750 | 3,568 |
| Average earning assets | $155,164,750 | 3,451 |
| Average equity | $16,252,000 | 3,704 |
| Average total loans | $124,987,000 | 2,957 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 5,409 |
| Cost of funding earning assets | 0.7987% | 1,417 |
| Net interest margin | 2.8099% | 5,986 |
| Noninterest income to average assets | 0.7052% | 2,607 |
| Noninterest expense to average assets | 2.2671% | 5,457 |
| Loan and lease loss provision to assets | 0.0956% | 3,196 |
| Net operating income to assets | 0.6195% | 4,199 |
| Return on assets (ROA) | 0.6195% | 4,360 |
| Pretax return on assets | 1.0330% | 3,360 |
| Return on Equity (ROE) | 6.1861% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.1861% | 2,330 |
| Net charge-offs to loans | 0.1128% | 3,236 |
| Credit loss provision to net charge-offs | 110.0000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 12.9857% | 1,933 |
| Efficiency ratio | 66.7642% | 4,402 |
| Assets per employee ($millions) | 4.1921% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5324% | 6,679 |
| Loan loss allowance to noncurrent loans | 51.4660% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 3,410 |
| Noncurrent loans to loans | 1.0344% | 3,865 |
| Net loans and leases to total assets | 76.2238% | 961 |
| Net loans and leases to deposits | 85.0444% | 1,681 |
| Net loans and leases to core deposits | 87.6062% | 2,155 |
| Total domestic deposits to total assets | 89.6282% | 1,247 |
| Equity capital to assets | 10.0189% | 3,893 |
| Core capital (leverage) ratio | 9.9958% | 3,529 |
| Tier 1 risk-based capital ratio | 18.7448% | 2,065 |
| Total risk-based capital ratio | 19.5101% | 2,187 |
| Memoranda: | ||
| Average total assets | $161,088,670 | 3,590 |
| Average earning assets | $154,243,000 | 3,486 |
| Average equity | $16,133,000 | 3,750 |
| Average total loans | $124,155,000 | 2,987 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 5,305 |
| Cost of funding earning assets | 0.8154% | 1,440 |
| Net interest margin | 2.8344% | 5,957 |
| Noninterest income to average assets | 0.7505% | 2,337 |
| Noninterest expense to average assets | 2.3316% | 5,333 |
| Loan and lease loss provision to assets | 0.0675% | 3,512 |
| Net operating income to assets | 0.6430% | 4,001 |
| Return on assets (ROA) | 0.6430% | 4,162 |
| Pretax return on assets | 1.0733% | 3,058 |
| Return on Equity (ROE) | 6.4212% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.4212% | 2,447 |
| Net charge-offs to loans | 0.1910% | 2,270 |
| Credit loss provision to net charge-offs | 45.7627% | 2,669 |
| Earnings coverage of net charge-offs (x) | 7.7288% | 2,030 |
| Efficiency ratio | 67.1470% | 4,467 |
| Assets per employee ($millions) | 4.1102% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 6,779 |
| Loan loss allowance to noncurrent loans | 40.2822% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 3,548 |
| Noncurrent loans to loans | 1.2651% | 3,662 |
| Net loans and leases to total assets | 76.4833% | 781 |
| Net loans and leases to deposits | 85.3792% | 1,433 |
| Net loans and leases to core deposits | 87.7094% | 1,936 |
| Total domestic deposits to total assets | 89.5807% | 1,309 |
| Equity capital to assets | 10.0674% | 4,057 |
| Core capital (leverage) ratio | 10.0439% | 3,323 |
| Tier 1 risk-based capital ratio | 18.6277% | 2,146 |
| Total risk-based capital ratio | 19.3545% | 2,285 |
| Memoranda: | ||
| Average total assets | $159,887,500 | 3,650 |
| Average earning assets | $153,541,500 | 3,534 |
| Average equity | $16,009,500 | 3,819 |
| Average total loans | $123,589,500 | 3,020 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 5,349 |
| Cost of funding earning assets | 0.9643% | 1,558 |
| Net interest margin | 3.0231% | 5,997 |
| Noninterest income to average assets | 0.8872% | 1,906 |
| Noninterest expense to average assets | 2.2022% | 5,920 |
| Loan and lease loss provision to assets | 0.2750% | 2,446 |
| Net operating income to assets | 0.7821% | 3,361 |
| Return on assets (ROA) | 0.7821% | 3,610 |
| Pretax return on assets | 1.2999% | 2,395 |
| Return on Equity (ROE) | 8.1501% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.1501% | 1,073 |
| Net charge-offs to loans | 0.3597% | 2,832 |
| Credit loss provision to net charge-offs | 98.2022% | 3,160 |
| Earnings coverage of net charge-offs (x) | 5.6247% | 2,989 |
| Efficiency ratio | 58.3042% | 5,785 |
| Assets per employee ($millions) | 4.0891% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 6,816 |
| Loan loss allowance to noncurrent loans | 39.7351% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 3,476 |
| Noncurrent loans to loans | 1.3401% | 3,604 |
| Net loans and leases to total assets | 77.3088% | 760 |
| Net loans and leases to deposits | 86.9856% | 1,387 |
| Net loans and leases to core deposits | 89.3930% | 1,911 |
| Total domestic deposits to total assets | 88.8754% | 1,655 |
| Equity capital to assets | 9.9582% | 4,224 |
| Core capital (leverage) ratio | 9.9345% | 3,493 |
| Tier 1 risk-based capital ratio | 17.9864% | 2,265 |
| Total risk-based capital ratio | 18.7359% | 2,433 |
| Memoranda: | ||
| Average total assets | $158,933,400 | 3,638 |
| Average earning assets | $151,928,000 | 3,512 |
| Average equity | $15,251,400 | 3,901 |
| Average total loans | $123,700,200 | 3,010 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 5,352 |
| Cost of funding earning assets | 0.9943% | 1,598 |
| Net interest margin | 3.0576% | 6,050 |
| Noninterest income to average assets | 0.8648% | 1,965 |
| Noninterest expense to average assets | 2.1704% | 6,017 |
| Loan and lease loss provision to assets | 0.3585% | 1,816 |
| Net operating income to assets | 0.7557% | 3,670 |
| Return on assets (ROA) | 0.7557% | 3,919 |
| Pretax return on assets | 1.2561% | 2,765 |
| Return on Equity (ROE) | 7.9500% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.9500% | 1,636 |
| Net charge-offs to loans | 0.4745% | 2,198 |
| Credit loss provision to net charge-offs | 97.0455% | 3,081 |
| Earnings coverage of net charge-offs (x) | 4.3705% | 3,321 |
| Efficiency ratio | 57.3425% | 5,875 |
| Assets per employee ($millions) | 4.2111% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 6,934 |
| Loan loss allowance to noncurrent loans | 38.1702% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 3,804 |
| Noncurrent loans to loans | 1.4054% | 3,689 |
| Net loans and leases to total assets | 75.8914% | 991 |
| Net loans and leases to deposits | 84.6836% | 1,780 |
| Net loans and leases to core deposits | 86.8356% | 2,361 |
| Total domestic deposits to total assets | 89.6177% | 1,063 |
| Equity capital to assets | 9.7105% | 4,911 |
| Core capital (leverage) ratio | 9.6868% | 3,984 |
| Tier 1 risk-based capital ratio | 17.7194% | 2,454 |
| Total risk-based capital ratio | 18.4683% | 2,595 |
| Memoranda: | ||
| Average total assets | $158,797,750 | 3,678 |
| Average earning assets | $151,663,750 | 3,558 |
| Average equity | $15,094,000 | 3,979 |
| Average total loans | $123,638,000 | 3,039 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 5,243 |
| Cost of funding earning assets | 1.0283% | 1,593 |
| Net interest margin | 3.0916% | 6,030 |
| Noninterest income to average assets | 0.7463% | 2,437 |
| Noninterest expense to average assets | 2.1908% | 6,035 |
| Loan and lease loss provision to assets | 0.2109% | 2,969 |
| Net operating income to assets | 0.7778% | 3,477 |
| Return on assets (ROA) | 0.7778% | 3,748 |
| Pretax return on assets | 1.2943% | 2,578 |
| Return on Equity (ROE) | 8.2432% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.2432% | 1,554 |
| Net charge-offs to loans | 0.2062% | 3,333 |
| Credit loss provision to net charge-offs | 130.4688% | 2,103 |
| Earnings coverage of net charge-offs (x) | 9.3125% | 2,183 |
| Efficiency ratio | 59.2757% | 5,699 |
| Assets per employee ($millions) | 4.1982% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 6,957 |
| Loan loss allowance to noncurrent loans | 36.1267% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3609% | 3,716 |
| Noncurrent loans to loans | 1.5863% | 3,529 |
| Net loans and leases to total assets | 76.8886% | 855 |
| Net loans and leases to deposits | 85.5885% | 1,651 |
| Net loans and leases to core deposits | 88.3783% | 2,167 |
| Total domestic deposits to total assets | 89.8353% | 1,021 |
| Equity capital to assets | 9.5617% | 4,964 |
| Core capital (leverage) ratio | 9.5379% | 4,094 |
| Tier 1 risk-based capital ratio | 17.1598% | 2,603 |
| Total risk-based capital ratio | 17.9573% | 2,754 |
| Memoranda: | ||
| Average total assets | $158,389,670 | 3,694 |
| Average earning assets | $151,120,000 | 3,580 |
| Average equity | $14,945,670 | 4,002 |
| Average total loans | $124,151,330 | 3,044 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 5,096 |
| Cost of funding earning assets | 1.0718% | 1,539 |
| Net interest margin | 3.1303% | 5,960 |
| Noninterest income to average assets | 0.7046% | 2,639 |
| Noninterest expense to average assets | 2.2456% | 5,917 |
| Loan and lease loss provision to assets | 0.1521% | 3,473 |
| Net operating income to assets | 0.7781% | 3,488 |
| Return on assets (ROA) | 0.7781% | 3,728 |
| Pretax return on assets | 1.2901% | 2,575 |
| Return on Equity (ROE) | 8.3021% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.3021% | 1,859 |
| Net charge-offs to loans | 0.2762% | 2,566 |
| Credit loss provision to net charge-offs | 69.7674% | 2,916 |
| Earnings coverage of net charge-offs (x) | 6.6163% | 2,176 |
| Efficiency ratio | 60.8935% | 5,471 |
| Assets per employee ($millions) | 4.1811% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5261% | 7,047 |
| Loan loss allowance to noncurrent loans | 29.1834% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4640% | 3,667 |
| Noncurrent loans to loans | 1.8029% | 3,406 |
| Net loans and leases to total assets | 77.8227% | 612 |
| Net loans and leases to deposits | 86.5003% | 1,360 |
| Net loans and leases to core deposits | 89.1458% | 1,936 |
| Total domestic deposits to total assets | 89.9681% | 1,102 |
| Equity capital to assets | 9.4063% | 4,951 |
| Core capital (leverage) ratio | 9.3823% | 4,221 |
| Tier 1 risk-based capital ratio | 16.2514% | 3,044 |
| Total risk-based capital ratio | 16.9645% | 3,303 |
| Memoranda: | ||
| Average total assets | $157,818,500 | 3,724 |
| Average earning assets | $150,401,000 | 3,611 |
| Average equity | $14,791,500 | 4,036 |
| Average total loans | $124,542,500 | 3,054 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 5,528 |
| Cost of funding earning assets | 1.2684% | 1,642 |
| Net interest margin | 3.1036% | 6,337 |
| Noninterest income to average assets | 0.4549% | 4,183 |
| Noninterest expense to average assets | 2.2661% | 6,131 |
| Loan and lease loss provision to assets | 0.1903% | 4,280 |
| Net operating income to assets | 0.5608% | 4,183 |
| Return on assets (ROA) | 0.5608% | 4,369 |
| Pretax return on assets | 0.9307% | 3,506 |
| Return on Equity (ROE) | 6.2300% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.2300% | 1,890 |
| Net charge-offs to loans | 0.0638% | 5,660 |
| Credit loss provision to net charge-offs | 379.7468% | 615 |
| Earnings coverage of net charge-offs (x) | 22.3671% | 1,062 |
| Efficiency ratio | 66.9039% | 4,592 |
| Assets per employee ($millions) | 4.1251% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 7,074 |
| Loan loss allowance to noncurrent loans | 27.8798% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 3,603 |
| Noncurrent loans to loans | 1.9201% | 3,314 |
| Net loans and leases to total assets | 79.1788% | 583 |
| Net loans and leases to deposits | 87.9108% | 1,388 |
| Net loans and leases to core deposits | 90.7739% | 2,011 |
| Total domestic deposits to total assets | 90.0672% | 960 |
| Equity capital to assets | 9.3382% | 5,103 |
| Core capital (leverage) ratio | 9.3382% | 4,270 |
| Tier 1 risk-based capital ratio | 16.7648% | 2,709 |
| Total risk-based capital ratio | 17.5298% | 2,883 |
| Memoranda: | ||
| Average total assets | $157,629,800 | 3,663 |
| Average earning assets | $148,925,800 | 3,591 |
| Average equity | $14,189,400 | 4,070 |
| Average total loans | $123,888,000 | 3,101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 5,749 |
| Cost of funding earning assets | 1.2992% | 1,710 |
| Net interest margin | 3.0587% | 6,476 |
| Noninterest income to average assets | 0.3455% | 5,102 |
| Noninterest expense to average assets | 2.2595% | 6,148 |
| Loan and lease loss provision to assets | 0.1216% | 4,913 |
| Net operating income to assets | 0.5119% | 4,496 |
| Return on assets (ROA) | 0.5119% | 4,683 |
| Pretax return on assets | 0.8497% | 3,952 |
| Return on Equity (ROE) | 5.7396% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.7396% | 2,710 |
| Net charge-offs to loans | 0.0701% | 5,260 |
| Credit loss provision to net charge-offs | 221.5385% | 1,289 |
| Earnings coverage of net charge-offs (x) | 17.6933% | 1,339 |
| Efficiency ratio | 69.9346% | 3,965 |
| Assets per employee ($millions) | 4.1969% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4272% | 7,211 |
| Loan loss allowance to noncurrent loans | 27.2681% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 1.2635% | 4,272 |
| Noncurrent loans to loans | 1.5665% | 3,947 |
| Net loans and leases to total assets | 77.7594% | 733 |
| Net loans and leases to deposits | 86.1004% | 1,676 |
| Net loans and leases to core deposits | 88.7398% | 2,403 |
| Total domestic deposits to total assets | 90.3124% | 715 |
| Equity capital to assets | 9.0041% | 5,757 |
| Core capital (leverage) ratio | 9.0041% | 4,919 |
| Tier 1 risk-based capital ratio | 16.4163% | 2,901 |
| Total risk-based capital ratio | 17.0245% | 3,195 |
| Memoranda: | ||
| Average total assets | $157,848,750 | 3,693 |
| Average earning assets | $148,906,000 | 3,619 |
| Average equity | $14,077,250 | 4,109 |
| Average total loans | $123,664,000 | 3,132 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 5,805 |
| Cost of funding earning assets | 1.3343% | 1,732 |
| Net interest margin | 3.0306% | 6,551 |
| Noninterest income to average assets | 0.0636% | 6,985 |
| Noninterest expense to average assets | 2.2873% | 6,164 |
| Loan and lease loss provision to assets | 0.1106% | 4,914 |
| Net operating income to assets | 0.3140% | 5,311 |
| Return on assets (ROA) | 0.3140% | 5,454 |
| Pretax return on assets | 0.5187% | 4,997 |
| Return on Equity (ROE) | 3.5329% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.5329% | 3,998 |
| Net charge-offs to loans | 0.0811% | 4,832 |
| Credit loss provision to net charge-offs | 174.0000% | 1,734 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 1,870 |
| Efficiency ratio | 78.4220% | 2,644 |
| Assets per employee ($millions) | 4.1868% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3979% | 7,296 |
| Loan loss allowance to noncurrent loans | 34.8870% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 4,802 |
| Noncurrent loans to loans | 1.1404% | 4,750 |
| Net loans and leases to total assets | 77.7321% | 810 |
| Net loans and leases to deposits | 85.7041% | 1,828 |
| Net loans and leases to core deposits | 88.1387% | 2,627 |
| Total domestic deposits to total assets | 90.6982% | 637 |
| Equity capital to assets | 8.8002% | 5,815 |
| Core capital (leverage) ratio | 8.8002% | 5,048 |
| Tier 1 risk-based capital ratio | 15.9801% | 2,981 |
| Total risk-based capital ratio | 16.5440% | 3,310 |
| Memoranda: | ||
| Average total assets | $157,304,000 | 3,725 |
| Average earning assets | $148,091,670 | 3,651 |
| Average equity | $13,983,000 | 4,126 |
| Average total loans | $123,370,330 | 3,159 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 5,733 |
| Cost of funding earning assets | 1.3757% | 1,739 |
| Net interest margin | 3.0125% | 6,550 |
| Noninterest income to average assets | 0.0563% | 7,111 |
| Noninterest expense to average assets | 2.3017% | 6,181 |
| Loan and lease loss provision to assets | 0.1637% | 3,995 |
| Net operating income to assets | 0.2557% | 5,594 |
| Return on assets (ROA) | 0.2557% | 5,657 |
| Pretax return on assets | 0.4245% | 5,261 |
| Return on Equity (ROE) | 2.8625% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.8625% | 4,448 |
| Net charge-offs to loans | 0.0065% | 5,032 |
| Credit loss provision to net charge-offs | 3,200.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 287 |
| Efficiency ratio | 79.6460% | 2,589 |
| Assets per employee ($millions) | 4.1244% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4195% | 7,336 |
| Loan loss allowance to noncurrent loans | 31.6432% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 1.5919% | 3,861 |
| Noncurrent loans to loans | 1.3257% | 4,484 |
| Net loans and leases to total assets | 78.4545% | 683 |
| Net loans and leases to deposits | 86.7266% | 1,615 |
| Net loans and leases to core deposits | 89.1435% | 2,467 |
| Total domestic deposits to total assets | 90.4619% | 861 |
| Equity capital to assets | 8.9479% | 5,287 |
| Core capital (leverage) ratio | 8.9479% | 4,696 |
| Tier 1 risk-based capital ratio | 16.0212% | 2,891 |
| Total risk-based capital ratio | 16.6130% | 3,193 |
| Memoranda: | ||
| Average total assets | $156,406,500 | 3,766 |
| Average earning assets | $147,120,500 | 3,692 |
| Average equity | $13,974,000 | 4,114 |
| Average total loans | $122,973,000 | 3,195 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 5,968 |
| Cost of funding earning assets | 1.6738% | 1,716 |
| Net interest margin | 2.9724% | 6,793 |
| Noninterest income to average assets | 0.3208% | 5,490 |
| Noninterest expense to average assets | 2.3038% | 6,349 |
| Loan and lease loss provision to assets | 0.1730% | 5,488 |
| Net operating income to assets | 0.3739% | 4,664 |
| Return on assets (ROA) | 0.3739% | 4,807 |
| Pretax return on assets | 0.6163% | 4,270 |
| Return on Equity (ROE) | 4.2271% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.2271% | 2,882 |
| Net charge-offs to loans | 0.0709% | 6,093 |
| Credit loss provision to net charge-offs | 325.6098% | 793 |
| Earnings coverage of net charge-offs (x) | 14.8537% | 1,311 |
| Efficiency ratio | 74.4815% | 3,299 |
| Assets per employee ($millions) | 4.1075% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3715% | 7,443 |
| Loan loss allowance to noncurrent loans | 33.6538% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 4,089 |
| Noncurrent loans to loans | 1.1040% | 4,894 |
| Net loans and leases to total assets | 78.1707% | 917 |
| Net loans and leases to deposits | 86.3747% | 2,029 |
| Net loans and leases to core deposits | 88.9981% | 2,902 |
| Total domestic deposits to total assets | 90.5019% | 833 |
| Equity capital to assets | 8.9208% | 5,252 |
| Core capital (leverage) ratio | 8.9208% | 4,657 |
| Tier 1 risk-based capital ratio | 15.8660% | 2,812 |
| Total risk-based capital ratio | 16.3845% | 3,124 |
| Memoranda: | ||
| Average total assets | $154,310,200 | 3,805 |
| Average earning assets | $143,925,400 | 3,742 |
| Average equity | $13,650,000 | 4,223 |
| Average total loans | $115,691,200 | 3,411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 6,071 |
| Cost of funding earning assets | 1.7244% | 1,747 |
| Net interest margin | 2.9631% | 6,908 |
| Noninterest income to average assets | 0.2149% | 6,375 |
| Noninterest expense to average assets | 2.2573% | 6,445 |
| Loan and lease loss provision to assets | 0.0711% | 6,353 |
| Net operating income to assets | 0.3917% | 4,784 |
| Return on assets (ROA) | 0.3917% | 4,962 |
| Pretax return on assets | 0.6456% | 4,440 |
| Return on Equity (ROE) | 4.4373% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.4373% | 3,378 |
| Net charge-offs to loans | 0.0877% | 5,653 |
| Credit loss provision to net charge-offs | 109.3333% | 3,886 |
| Earnings coverage of net charge-offs (x) | 11.0264% | 1,827 |
| Efficiency ratio | 75.9033% | 2,972 |
| Assets per employee ($millions) | 4.0983% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2367% | 7,628 |
| Loan loss allowance to noncurrent loans | 39.1738% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 4,932 |
| Noncurrent loans to loans | 0.6041% | 6,000 |
| Net loans and leases to total assets | 74.4377% | 1,702 |
| Net loans and leases to deposits | 82.1618% | 3,073 |
| Net loans and leases to core deposits | 84.1307% | 3,914 |
| Total domestic deposits to total assets | 90.5989% | 597 |
| Equity capital to assets | 8.8605% | 5,760 |
| Core capital (leverage) ratio | 8.8605% | 4,907 |
| Tier 1 risk-based capital ratio | 16.0657% | 2,728 |
| Total risk-based capital ratio | 16.3859% | 3,167 |
| Memoranda: | ||
| Average total assets | $153,866,750 | 3,860 |
| Average earning assets | $143,269,250 | 3,810 |
| Average equity | $13,581,500 | 4,307 |
| Average total loans | $113,997,250 | 3,501 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 6,030 |
| Cost of funding earning assets | 1.7789% | 1,725 |
| Net interest margin | 2.9555% | 6,928 |
| Noninterest income to average assets | 0.2741% | 5,962 |
| Noninterest expense to average assets | 2.2618% | 6,471 |
| Loan and lease loss provision to assets | 0.0809% | 6,123 |
| Net operating income to assets | 0.4124% | 4,699 |
| Return on assets (ROA) | 0.4124% | 4,853 |
| Pretax return on assets | 0.6787% | 4,314 |
| Return on Equity (ROE) | 4.6784% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.6784% | 3,098 |
| Net charge-offs to loans | 0.1148% | 5,029 |
| Credit loss provision to net charge-offs | 95.3846% | 4,253 |
| Earnings coverage of net charge-offs (x) | 8.9538% | 2,071 |
| Efficiency ratio | 74.8596% | 3,287 |
| Assets per employee ($millions) | 4.0538% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2344% | 7,691 |
| Loan loss allowance to noncurrent loans | 29.2494% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4600% | 4,272 |
| Noncurrent loans to loans | 0.8015% | 5,672 |
| Net loans and leases to total assets | 73.2083% | 2,107 |
| Net loans and leases to deposits | 80.7286% | 3,476 |
| Net loans and leases to core deposits | 82.9726% | 4,283 |
| Total domestic deposits to total assets | 90.6845% | 609 |
| Equity capital to assets | 8.8695% | 5,648 |
| Core capital (leverage) ratio | 8.8695% | 4,805 |
| Tier 1 risk-based capital ratio | 15.8645% | 2,731 |
| Total risk-based capital ratio | 16.1722% | 3,161 |
| Memoranda: | ||
| Average total assets | $153,243,330 | 3,900 |
| Average earning assets | $142,446,670 | 3,855 |
| Average equity | $13,509,000 | 4,317 |
| Average total loans | $113,262,330 | 3,552 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 5,959 |
| Cost of funding earning assets | 1.8551% | 1,636 |
| Net interest margin | 2.9265% | 6,973 |
| Noninterest income to average assets | 0.3271% | 5,526 |
| Noninterest expense to average assets | 2.1538% | 6,794 |
| Loan and lease loss provision to assets | 0.1623% | 4,904 |
| Net operating income to assets | 0.4501% | 4,615 |
| Return on assets (ROA) | 0.4501% | 4,741 |
| Pretax return on assets | 0.7275% | 4,139 |
| Return on Equity (ROE) | 5.1221% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.1221% | 3,088 |
| Net charge-offs to loans | 0.1588% | 3,972 |
| Credit loss provision to net charge-offs | 137.7778% | 2,569 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,068 |
| Efficiency ratio | 70.7653% | 4,166 |
| Assets per employee ($millions) | 4.0976% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2534% | 7,788 |
| Loan loss allowance to noncurrent loans | 18.7254% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 2.6060% | 2,798 |
| Noncurrent loans to loans | 1.3535% | 4,713 |
| Net loans and leases to total assets | 73.9834% | 1,974 |
| Net loans and leases to deposits | 81.6009% | 3,352 |
| Net loans and leases to core deposits | 83.9649% | 4,204 |
| Total domestic deposits to total assets | 90.6649% | 670 |
| Equity capital to assets | 8.9162% | 5,394 |
| Core capital (leverage) ratio | 8.9162% | 4,706 |
| Tier 1 risk-based capital ratio | 15.4421% | 2,896 |
| Total risk-based capital ratio | 15.7906% | 3,324 |
| Memoranda: | ||
| Average total assets | $152,843,000 | 3,964 |
| Average earning assets | $141,875,500 | 3,925 |
| Average equity | $13,432,000 | 4,369 |
| Average total loans | $113,374,500 | 3,610 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 6,192 |
| Cost of funding earning assets | 2.5961% | 791 |
| Net interest margin | 2.4738% | 7,447 |
| Noninterest income to average assets | 0.5252% | 4,213 |
| Noninterest expense to average assets | 2.6511% | 5,592 |
| Loan and lease loss provision to assets | 0.9621% | 2,351 |
| Net operating income to assets | -0.4673% | 6,146 |
| Return on assets (ROA) | -0.3759% | 6,044 |
| Pretax return on assets | -0.6268% | 6,118 |
| Return on Equity (ROE) | -4.1325% | 6,125 |
| Retained earnings to average equity (ytd only) | -4.1325% | 5,889 |
| Net charge-offs to loans | 1.3916% | 1,803 |
| Credit loss provision to net charge-offs | 89.1925% | 6,028 |
| Earnings coverage of net charge-offs (x) | 0.1785% | 5,976 |
| Efficiency ratio | 93.2289% | 1,467 |
| Assets per employee ($millions) | 4.1642% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2651% | 7,843 |
| Loan loss allowance to noncurrent loans | 12.6145% | 7,320 |
| Noncurrent assets plus other real estate owned to assets | 3.1764% | 2,177 |
| Noncurrent loans to loans | 2.1015% | 3,515 |
| Net loans and leases to total assets | 73.9860% | 2,276 |
| Net loans and leases to deposits | 81.3667% | 3,725 |
| Net loans and leases to core deposits | 100.7913% | 3,922 |
| Total domestic deposits to total assets | 90.9291% | 557 |
| Equity capital to assets | 8.6620% | 5,639 |
| Core capital (leverage) ratio | 8.6620% | 4,993 |
| Tier 1 risk-based capital ratio | 14.7970% | 3,048 |
| Total risk-based capital ratio | 15.1610% | 3,508 |
| Memoranda: | ||
| Average total assets | $152,691,400 | 3,916 |
| Average earning assets | $143,097,600 | 3,834 |
| Average equity | $13,890,000 | 4,284 |
| Average total loans | $118,356,200 | 3,516 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 6,132 |
| Cost of funding earning assets | 2.7179% | 751 |
| Net interest margin | 2.4255% | 7,543 |
| Noninterest income to average assets | 0.5129% | 4,383 |
| Noninterest expense to average assets | 2.2413% | 6,870 |
| Loan and lease loss provision to assets | 0.5881% | 3,032 |
| Net operating income to assets | -0.0267% | 5,756 |
| Return on assets (ROA) | 0.0954% | 5,531 |
| Pretax return on assets | 0.1540% | 5,402 |
| Return on Equity (ROE) | 1.0361% | 5,483 |
| Retained earnings to average equity (ytd only) | 1.0361% | 4,735 |
| Net charge-offs to loans | 0.5384% | 3,065 |
| Credit loss provision to net charge-offs | 139.4191% | 3,537 |
| Earnings coverage of net charge-offs (x) | 1.3071% | 4,803 |
| Efficiency ratio | 80.2570% | 2,805 |
| Assets per employee ($millions) | 4.0701% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 7,619 |
| Loan loss allowance to noncurrent loans | 12.7883% | 7,392 |
| Noncurrent assets plus other real estate owned to assets | 4.1025% | 1,542 |
| Noncurrent loans to loans | 4.4816% | 1,564 |
| Net loans and leases to total assets | 75.2649% | 2,168 |
| Net loans and leases to deposits | 83.2990% | 3,775 |
| Net loans and leases to core deposits | 103.1776% | 4,042 |
| Total domestic deposits to total assets | 90.3552% | 639 |
| Equity capital to assets | 9.0927% | 5,352 |
| Core capital (leverage) ratio | 9.0707% | 4,543 |
| Tier 1 risk-based capital ratio | 15.8465% | 2,685 |
| Total risk-based capital ratio | 16.6644% | 2,803 |
| Memoranda: | ||
| Average total assets | $152,345,500 | 3,941 |
| Average earning assets | $143,194,500 | 3,859 |
| Average equity | $14,026,000 | 4,288 |
| Average total loans | $119,371,000 | 3,527 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 5,616 |
| Cost of funding earning assets | 2.8334% | 724 |
| Net interest margin | 2.4757% | 7,508 |
| Noninterest income to average assets | 0.3497% | 5,707 |
| Noninterest expense to average assets | 2.2920% | 6,775 |
| Loan and lease loss provision to assets | 0.4711% | 3,170 |
| Net operating income to assets | -0.0574% | 5,933 |
| Return on assets (ROA) | 0.1267% | 5,591 |
| Pretax return on assets | 0.2032% | 5,460 |
| Return on Equity (ROE) | 1.3701% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.3701% | 4,575 |
| Net charge-offs to loans | 0.0516% | 5,768 |
| Credit loss provision to net charge-offs | 1,151.6129% | 435 |
| Earnings coverage of net charge-offs (x) | 9.4516% | 2,129 |
| Efficiency ratio | 85.5665% | 2,274 |
| Assets per employee ($millions) | 4.3201% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 7,472 |
| Loan loss allowance to noncurrent loans | 17.0830% | 7,278 |
| Noncurrent assets plus other real estate owned to assets | 3.7416% | 1,639 |
| Noncurrent loans to loans | 3.9651% | 1,720 |
| Net loans and leases to total assets | 76.0876% | 2,164 |
| Net loans and leases to deposits | 84.3104% | 3,823 |
| Net loans and leases to core deposits | 104.4551% | 4,015 |
| Total domestic deposits to total assets | 90.2470% | 732 |
| Equity capital to assets | 9.0341% | 5,265 |
| Core capital (leverage) ratio | 9.0122% | 4,605 |
| Tier 1 risk-based capital ratio | 14.3711% | 3,321 |
| Total risk-based capital ratio | 15.1986% | 3,482 |
| Memoranda: | ||
| Average total assets | $151,573,000 | 3,968 |
| Average earning assets | $142,587,330 | 3,886 |
| Average equity | $14,013,670 | 4,302 |
| Average total loans | $120,135,330 | 3,530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5947% | 4,392 |
| Cost of funding earning assets | 2.9367% | 705 |
| Net interest margin | 2.6581% | 7,282 |
| Noninterest income to average assets | 0.3289% | 5,816 |
| Noninterest expense to average assets | 2.2514% | 6,688 |
| Loan and lease loss provision to assets | 0.5294% | 2,352 |
| Net operating income to assets | 0.0217% | 6,199 |
| Return on assets (ROA) | 0.2219% | 5,754 |
| Pretax return on assets | 0.3610% | 5,510 |
| Return on Equity (ROE) | 2.3722% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.3722% | 4,556 |
| Net charge-offs to loans | 0.0531% | 4,725 |
| Credit loss provision to net charge-offs | 1,237.5000% | 511 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,731 |
| Efficiency ratio | 79.5841% | 2,890 |
| Assets per employee ($millions) | 4.2694% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 7,740 |
| Loan loss allowance to noncurrent loans | 17.2791% | 7,299 |
| Noncurrent assets plus other real estate owned to assets | 3.2362% | 1,705 |
| Noncurrent loans to loans | 3.2209% | 2,007 |
| Net loans and leases to total assets | 77.0758% | 2,023 |
| Net loans and leases to deposits | 85.3887% | 3,737 |
| Net loans and leases to core deposits | 105.7941% | 3,941 |
| Total domestic deposits to total assets | 90.2647% | 690 |
| Equity capital to assets | 9.1328% | 5,178 |
| Core capital (leverage) ratio | 9.1107% | 4,539 |
| Tier 1 risk-based capital ratio | 14.1559% | 3,499 |
| Total risk-based capital ratio | 14.8261% | 3,741 |
| Memoranda: | ||
| Average total assets | $149,598,500 | 4,018 |
| Average earning assets | $140,703,500 | 3,938 |
| Average equity | $13,995,500 | 4,335 |
| Average total loans | $120,633,000 | 3,541 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8271% | 6,346 |
| Cost of funding earning assets | 3.5604% | 443 |
| Net interest margin | 2.2668% | 7,926 |
| Noninterest income to average assets | 0.3896% | 5,564 |
| Noninterest expense to average assets | 2.1474% | 7,119 |
| Loan and lease loss provision to assets | 0.0214% | 7,124 |
| Net operating income to assets | 0.2195% | 5,790 |
| Return on assets (ROA) | 0.2217% | 5,610 |
| Pretax return on assets | 0.3640% | 5,344 |
| Return on Equity (ROE) | 2.3783% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.3783% | 3,719 |
| Net charge-offs to loans | 0.0280% | 6,432 |
| Credit loss provision to net charge-offs | 91.1765% | 5,652 |
| Earnings coverage of net charge-offs (x) | 16.2647% | 1,858 |
| Efficiency ratio | 84.8990% | 1,962 |
| Assets per employee ($millions) | 4.0416% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3938% | 7,987 |
| Loan loss allowance to noncurrent loans | 15.7860% | 7,371 |
| Noncurrent assets plus other real estate owned to assets | 2.9485% | 1,564 |
| Noncurrent loans to loans | 2.4947% | 2,183 |
| Net loans and leases to total assets | 83.6143% | 951 |
| Net loans and leases to deposits | 93.1353% | 2,937 |
| Net loans and leases to core deposits | 115.3933% | 3,195 |
| Total domestic deposits to total assets | 89.7772% | 729 |
| Equity capital to assets | 9.5904% | 4,558 |
| Core capital (leverage) ratio | 9.5671% | 3,917 |
| Tier 1 risk-based capital ratio | 13.6876% | 3,703 |
| Total risk-based capital ratio | 14.1606% | 4,081 |
| Memoranda: | ||
| Average total assets | $144,779,000 | 3,994 |
| Average earning assets | $136,670,600 | 3,918 |
| Average equity | $13,497,200 | 4,451 |
| Average total loans | $121,252,200 | 3,439 |