Home > Peoples Savings and Loan Company > Performance and Condition Ratios
Peoples Savings and Loan Company, 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 | 3.7923% | 4,188 |
| Cost of funding earning assets | 0.7485% | 3,855 |
| Net interest margin | 3.0438% | 3,194 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.5601% | 2,127 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4616% | 3,744 |
| Return on assets (ROA) | 0.4616% | 3,742 |
| Pretax return on assets | 0.4448% | 3,903 |
| Return on Equity (ROE) | 2.4000% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.3973% | 3,483 |
| Net charge-offs to loans | 0.0600% | 1,251 |
| Credit loss provision to net charge-offs | 186.4865% | 1,277 |
| Earnings coverage of net charge-offs (x) | 19.8378% | 1,887 |
| Efficiency ratio | 83.9070% | 666 |
| Assets per employee ($millions) | 6.2144% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3630% | 4,402 |
| Loan loss allowance to noncurrent loans | 14.5352% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 437 |
| Noncurrent loans to loans | 2.4973% | 198 |
| Net loans and leases to total assets | 42.8800% | 3,939 |
| Net loans and leases to deposits | 53.5048% | 3,815 |
| Net loans and leases to core deposits | 56.0108% | 3,911 |
| Total domestic deposits to total assets | 80.1500% | 3,436 |
| Equity capital to assets | 19.5929% | 294 |
| Core capital (leverage) ratio | 20.9175% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $149,489,200 | 3,369 |
| Average earning assets | $138,279,200 | 3,363 |
| Average equity | $28,782,200 | 2,328 |
| Average total loans | $61,618,600 | 3,685 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,158 |
| Cost of funding earning assets | 0.5919% | 3,985 |
| Net interest margin | 3.1569% | 3,013 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.5458% | 2,098 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5126% | 3,738 |
| Return on assets (ROA) | 0.5126% | 3,730 |
| Pretax return on assets | 0.5429% | 3,837 |
| Return on Equity (ROE) | 2.6700% | 4,133 |
| Retained earnings to average equity (ytd only) | 2.6738% | 3,590 |
| Net charge-offs to loans | 0.0809% | 911 |
| Credit loss provision to net charge-offs | 167.5676% | 1,241 |
| Earnings coverage of net charge-offs (x) | 18.1351% | 1,878 |
| Efficiency ratio | 80.9753% | 807 |
| Assets per employee ($millions) | 5.6645% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3611% | 4,425 |
| Loan loss allowance to noncurrent loans | 24.2457% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 923 |
| Noncurrent loans to loans | 1.4895% | 492 |
| Net loans and leases to total assets | 42.1500% | 3,986 |
| Net loans and leases to deposits | 52.5516% | 3,859 |
| Net loans and leases to core deposits | 54.6588% | 3,904 |
| Total domestic deposits to total assets | 80.2100% | 3,498 |
| Equity capital to assets | 19.4151% | 299 |
| Core capital (leverage) ratio | 21.3163% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,575,000 | 3,375 |
| Average earning assets | $138,316,000 | 3,370 |
| Average equity | $28,672,250 | 2,312 |
| Average total loans | $60,975,750 | 3,703 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,085 |
| Cost of funding earning assets | 0.4488% | 4,085 |
| Net interest margin | 3.2983% | 2,751 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.5116% | 2,176 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6904% | 3,359 |
| Return on assets (ROA) | 0.6904% | 3,360 |
| Pretax return on assets | 0.7224% | 3,558 |
| Return on Equity (ROE) | 3.6200% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.6169% | 3,312 |
| Net charge-offs to loans | 0.0330% | 1,238 |
| Credit loss provision to net charge-offs | 270.0000% | 915 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 1,219 |
| Efficiency ratio | 76.8104% | 1,105 |
| Assets per employee ($millions) | 5.4696% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3522% | 4,460 |
| Loan loss allowance to noncurrent loans | 17.3184% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 592 |
| Noncurrent loans to loans | 2.0338% | 271 |
| Net loans and leases to total assets | 41.5700% | 3,983 |
| Net loans and leases to deposits | 51.8886% | 3,844 |
| Net loans and leases to core deposits | 53.7885% | 3,903 |
| Total domestic deposits to total assets | 80.1200% | 3,563 |
| Equity capital to assets | 19.5917% | 290 |
| Core capital (leverage) ratio | 20.9127% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $150,341,000 | 3,376 |
| Average earning assets | $139,042,000 | 3,376 |
| Average equity | $28,698,333 | 2,323 |
| Average total loans | $60,534,000 | 3,715 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 4,073 |
| Cost of funding earning assets | 0.2568% | 4,285 |
| Net interest margin | 3.4151% | 2,592 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.5186% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8070% | 3,175 |
| Return on assets (ROA) | 0.8070% | 3,128 |
| Pretax return on assets | 0.8492% | 3,352 |
| Return on Equity (ROE) | 4.2800% | 3,996 |
| Retained earnings to average equity (ytd only) | 4.2826% | 3,186 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.7847% | 1,267 |
| Assets per employee ($millions) | 5.4156% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3315% | 4,522 |
| Loan loss allowance to noncurrent loans | 51.0204% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 1,843 |
| Noncurrent loans to loans | 0.6497% | 1,162 |
| Net loans and leases to total assets | 39.6600% | 4,054 |
| Net loans and leases to deposits | 49.1226% | 3,925 |
| Net loans and leases to core deposits | 50.3610% | 3,982 |
| Total domestic deposits to total assets | 80.7300% | 3,673 |
| Equity capital to assets | 19.0191% | 264 |
| Core capital (leverage) ratio | 20.3343% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $151,671,500 | 3,411 |
| Average earning assets | $140,202,500 | 3,405 |
| Average equity | $28,581,000 | 2,353 |
| Average total loans | $59,996,500 | 3,762 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1926% | 3,828 |
| Cost of funding earning assets | 0.1969% | 3,784 |
| Net interest margin | 2.9956% | 3,463 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.3592% | 2,550 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5639% | 3,958 |
| Return on assets (ROA) | 0.5639% | 3,924 |
| Pretax return on assets | 0.5760% | 4,070 |
| Return on Equity (ROE) | 3.0700% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.0674% | 3,698 |
| Net charge-offs to loans | -0.0052% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.5940% | 747 |
| Assets per employee ($millions) | 5.4181% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 4,531 |
| Loan loss allowance to noncurrent loans | 24.4798% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 931 |
| Noncurrent loans to loans | 1.3694% | 498 |
| Net loans and leases to total assets | 39.1900% | 4,096 |
| Net loans and leases to deposits | 48.4064% | 3,963 |
| Net loans and leases to core deposits | 49.6402% | 3,992 |
| Total domestic deposits to total assets | 80.9700% | 3,761 |
| Equity capital to assets | 18.6690% | 267 |
| Core capital (leverage) ratio | 19.9546% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $156,237,800 | 3,380 |
| Average earning assets | $144,210,400 | 3,386 |
| Average equity | $28,721,200 | 2,397 |
| Average total loans | $58,145,400 | 3,766 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0713% | 3,735 |
| Cost of funding earning assets | 0.1956% | 3,331 |
| Net interest margin | 2.8758% | 3,555 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.3155% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5371% | 3,996 |
| Return on assets (ROA) | 0.5371% | 3,939 |
| Pretax return on assets | 0.5371% | 4,092 |
| Return on Equity (ROE) | 2.9300% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.9330% | 3,789 |
| Net charge-offs to loans | -0.0069% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.1702% | 706 |
| Assets per employee ($millions) | 5.5806% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2624% | 4,605 |
| Loan loss allowance to noncurrent loans | 14.7059% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 770 |
| Noncurrent loans to loans | 1.7843% | 361 |
| Net loans and leases to total assets | 37.7000% | 4,159 |
| Net loans and leases to deposits | 46.0828% | 4,025 |
| Net loans and leases to core deposits | 47.5812% | 4,043 |
| Total domestic deposits to total assets | 81.8200% | 3,867 |
| Equity capital to assets | 18.0127% | 275 |
| Core capital (leverage) ratio | 19.3021% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $157,370,750 | 3,395 |
| Average earning assets | $145,209,750 | 3,398 |
| Average equity | $28,821,000 | 2,418 |
| Average total loans | $57,766,500 | 3,787 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9489% | 3,674 |
| Cost of funding earning assets | 0.2062% | 2,835 |
| Net interest margin | 2.7427% | 3,595 |
| Noninterest income to average assets | 0.1978% | 4,009 |
| Noninterest expense to average assets | 2.2898% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4374% | 4,034 |
| Return on assets (ROA) | 0.4374% | 3,989 |
| Pretax return on assets | 0.4374% | 4,104 |
| Return on Equity (ROE) | 2.3755% | 4,312 |
| Retained earnings to average equity (ytd only) | 2.3755% | 3,650 |
| Net charge-offs to loans | -0.0105% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9609% | 682 |
| Assets per employee ($millions) | 5.6752% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2694% | 4,673 |
| Loan loss allowance to noncurrent loans | 20.1038% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 1,176 |
| Noncurrent loans to loans | 1.3403% | 578 |
| Net loans and leases to total assets | 36.1037% | 4,246 |
| Net loans and leases to deposits | 44.1427% | 4,110 |
| Net loans and leases to core deposits | 46.2487% | 4,115 |
| Total domestic deposits to total assets | 81.7886% | 4,037 |
| Equity capital to assets | 18.0144% | 227 |
| Core capital (leverage) ratio | 18.7602% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,742,333 | 3,428 |
| Average earning assets | $145,479,000 | 3,441 |
| Average equity | $29,046,000 | 2,461 |
| Average total loans | $57,332,000 | 3,840 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9097% | 3,508 |
| Cost of funding earning assets | 0.2181% | 2,557 |
| Net interest margin | 2.6916% | 3,423 |
| Noninterest income to average assets | 0.1960% | 3,986 |
| Noninterest expense to average assets | 2.2907% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3869% | 3,981 |
| Return on assets (ROA) | 0.3869% | 3,947 |
| Pretax return on assets | 0.3869% | 4,053 |
| Return on Equity (ROE) | 2.0782% | 4,248 |
| Retained earnings to average equity (ytd only) | 2.0782% | 3,518 |
| Net charge-offs to loans | -0.0210% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5513% | 760 |
| Assets per employee ($millions) | 6.1243% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2706% | 4,702 |
| Loan loss allowance to noncurrent loans | 27.4336% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 1,687 |
| Noncurrent loans to loans | 0.9863% | 920 |
| Net loans and leases to total assets | 35.8787% | 4,217 |
| Net loans and leases to deposits | 43.9593% | 4,065 |
| Net loans and leases to core deposits | 45.7183% | 4,089 |
| Total domestic deposits to total assets | 81.6179% | 4,125 |
| Equity capital to assets | 18.1673% | 222 |
| Core capital (leverage) ratio | 18.8181% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,160,500 | 3,448 |
| Average earning assets | $144,895,500 | 3,464 |
| Average equity | $29,256,000 | 2,529 |
| Average total loans | $57,235,000 | 3,844 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9209% | 4,017 |
| Cost of funding earning assets | 0.2988% | 2,414 |
| Net interest margin | 2.6221% | 4,019 |
| Noninterest income to average assets | 0.1772% | 4,268 |
| Noninterest expense to average assets | 2.3891% | 2,522 |
| Loan and lease loss provision to assets | 0.0227% | 2,611 |
| Net operating income to assets | 0.2051% | 4,531 |
| Return on assets (ROA) | 0.2051% | 4,549 |
| Pretax return on assets | 0.2031% | 4,573 |
| Return on Equity (ROE) | 1.0758% | 4,603 |
| Retained earnings to average equity (ytd only) | 1.0758% | 4,239 |
| Net charge-offs to loans | 0.0614% | 1,168 |
| Credit loss provision to net charge-offs | 102.9412% | 1,767 |
| Earnings coverage of net charge-offs (x) | 10.2353% | 2,216 |
| Efficiency ratio | 91.3626% | 282 |
| Assets per employee ($millions) | 5.5389% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2658% | 4,743 |
| Loan loss allowance to noncurrent loans | 15.6057% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 1,049 |
| Noncurrent loans to loans | 1.7032% | 502 |
| Net loans and leases to total assets | 36.7741% | 4,253 |
| Net loans and leases to deposits | 45.5135% | 4,120 |
| Net loans and leases to core deposits | 47.5850% | 4,112 |
| Total domestic deposits to total assets | 80.7982% | 4,126 |
| Equity capital to assets | 19.0754% | 210 |
| Core capital (leverage) ratio | 19.1466% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,077,200 | 3,451 |
| Average earning assets | $143,242,600 | 3,439 |
| Average equity | $29,372,200 | 2,576 |
| Average total loans | $55,347,600 | 3,905 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8983% | 4,173 |
| Cost of funding earning assets | 0.3107% | 2,493 |
| Net interest margin | 2.5876% | 4,152 |
| Noninterest income to average assets | 0.1682% | 4,362 |
| Noninterest expense to average assets | 2.4339% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1456% | 4,666 |
| Return on assets (ROA) | 0.1456% | 4,688 |
| Pretax return on assets | 0.1456% | 4,692 |
| Return on Equity (ROE) | 0.7640% | 4,711 |
| Retained earnings to average equity (ytd only) | 0.7640% | 4,460 |
| Net charge-offs to loans | 0.0024% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 626 |
| Efficiency ratio | 94.3548% | 224 |
| Assets per employee ($millions) | 5.4815% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2653% | 4,829 |
| Loan loss allowance to noncurrent loans | 14.2450% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 1,091 |
| Noncurrent loans to loans | 1.8622% | 502 |
| Net loans and leases to total assets | 36.7450% | 4,352 |
| Net loans and leases to deposits | 45.5457% | 4,251 |
| Net loans and leases to core deposits | 47.5102% | 4,260 |
| Total domestic deposits to total assets | 80.6772% | 4,134 |
| Equity capital to assets | 19.1638% | 223 |
| Core capital (leverage) ratio | 19.1820% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,824,000 | 3,486 |
| Average earning assets | $143,346,000 | 3,475 |
| Average equity | $29,319,250 | 2,611 |
| Average total loans | $54,888,250 | 3,967 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8794% | 4,250 |
| Cost of funding earning assets | 0.3246% | 2,550 |
| Net interest margin | 2.5548% | 4,244 |
| Noninterest income to average assets | 0.1611% | 4,393 |
| Noninterest expense to average assets | 2.5036% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0403% | 4,757 |
| Return on assets (ROA) | 0.0403% | 4,766 |
| Pretax return on assets | 0.0403% | 4,766 |
| Return on Equity (ROE) | 0.2117% | 4,770 |
| Retained earnings to average equity (ytd only) | 0.2117% | 4,475 |
| Net charge-offs to loans | 0.0037% | 2,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,292 |
| Efficiency ratio | 98.4168% | 184 |
| Assets per employee ($millions) | 6.0022% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2718% | 4,858 |
| Loan loss allowance to noncurrent loans | 14.3266% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 1,238 |
| Noncurrent loans to loans | 1.8972% | 526 |
| Net loans and leases to total assets | 35.2679% | 4,483 |
| Net loans and leases to deposits | 43.7299% | 4,392 |
| Net loans and leases to core deposits | 45.4893% | 4,409 |
| Total domestic deposits to total assets | 80.6494% | 4,134 |
| Equity capital to assets | 18.8386% | 233 |
| Core capital (leverage) ratio | 18.7395% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,938,000 | 3,493 |
| Average earning assets | $143,573,667 | 3,482 |
| Average equity | $29,288,000 | 2,609 |
| Average total loans | $54,335,333 | 4,001 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8393% | 4,328 |
| Cost of funding earning assets | 0.3567% | 2,475 |
| Net interest margin | 2.4826% | 4,324 |
| Noninterest income to average assets | 0.1439% | 4,486 |
| Noninterest expense to average assets | 2.6714% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2145% | 4,844 |
| Return on assets (ROA) | -0.2145% | 4,848 |
| Pretax return on assets | -0.2145% | 4,840 |
| Return on Equity (ROE) | -1.1220% | 4,829 |
| Retained earnings to average equity (ytd only) | -1.1220% | 4,475 |
| Net charge-offs to loans | 0.0074% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -82.0000% | 1,924 |
| Efficiency ratio | 108.7327% | 117 |
| Assets per employee ($millions) | 5.5599% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2787% | 4,887 |
| Loan loss allowance to noncurrent loans | 18.6104% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 1,831 |
| Noncurrent loans to loans | 1.4975% | 838 |
| Net loans and leases to total assets | 34.4767% | 4,562 |
| Net loans and leases to deposits | 42.4664% | 4,474 |
| Net loans and leases to core deposits | 44.1676% | 4,491 |
| Total domestic deposits to total assets | 81.1859% | 4,035 |
| Equity capital to assets | 18.6528% | 234 |
| Core capital (leverage) ratio | 18.9951% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,878,500 | 3,502 |
| Average earning assets | $142,430,000 | 3,494 |
| Average equity | $29,232,500 | 2,605 |
| Average total loans | $53,909,000 | 4,026 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1758% | 4,481 |
| Cost of funding earning assets | 0.5535% | 2,587 |
| Net interest margin | 2.6223% | 4,471 |
| Noninterest income to average assets | 0.1173% | 4,683 |
| Noninterest expense to average assets | 2.5711% | 2,636 |
| Loan and lease loss provision to assets | 0.0200% | 4,138 |
| Net operating income to assets | -0.0745% | 4,771 |
| Return on assets (ROA) | -0.0614% | 4,796 |
| Pretax return on assets | -0.0097% | 4,768 |
| Return on Equity (ROE) | -0.3008% | 4,786 |
| Retained earnings to average equity (ytd only) | -0.3008% | 4,567 |
| Net charge-offs to loans | 0.0258% | 2,519 |
| Credit loss provision to net charge-offs | 207.1429% | 2,128 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 3,343 |
| Efficiency ratio | 100.1074% | 172 |
| Assets per employee ($millions) | 5.1752% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2797% | 4,907 |
| Loan loss allowance to noncurrent loans | 10.3354% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9901% | 965 |
| Noncurrent loans to loans | 2.7058% | 350 |
| Net loans and leases to total assets | 35.8773% | 4,593 |
| Net loans and leases to deposits | 44.7348% | 4,503 |
| Net loans and leases to core deposits | 46.6186% | 4,528 |
| Total domestic deposits to total assets | 80.2000% | 4,016 |
| Equity capital to assets | 19.6074% | 211 |
| Core capital (leverage) ratio | 19.5674% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,955,800 | 3,456 |
| Average earning assets | $135,493,800 | 3,437 |
| Average equity | $29,589,600 | 2,492 |
| Average total loans | $54,224,600 | 4,017 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2652% | 4,520 |
| Cost of funding earning assets | 0.5930% | 2,662 |
| Net interest margin | 2.6722% | 4,497 |
| Noninterest income to average assets | 0.1039% | 4,746 |
| Noninterest expense to average assets | 2.5167% | 2,788 |
| Loan and lease loss provision to assets | 0.0271% | 3,994 |
| Net operating income to assets | 0.0733% | 4,726 |
| Return on assets (ROA) | 0.0909% | 4,736 |
| Pretax return on assets | 0.0789% | 4,744 |
| Return on Equity (ROE) | 0.4410% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.4410% | 4,397 |
| Net charge-offs to loans | 0.0344% | 2,145 |
| Credit loss provision to net charge-offs | 207.1429% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.7857% | 2,626 |
| Efficiency ratio | 96.6156% | 213 |
| Assets per employee ($millions) | 5.0891% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2783% | 4,939 |
| Loan loss allowance to noncurrent loans | 8.4784% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 809 |
| Noncurrent loans to loans | 3.2826% | 266 |
| Net loans and leases to total assets | 36.6605% | 4,655 |
| Net loans and leases to deposits | 46.3006% | 4,594 |
| Net loans and leases to core deposits | 47.9195% | 4,626 |
| Total domestic deposits to total assets | 79.1793% | 4,028 |
| Equity capital to assets | 20.0645% | 208 |
| Core capital (leverage) ratio | 20.0398% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,674,500 | 3,458 |
| Average earning assets | $134,465,500 | 3,441 |
| Average equity | $29,630,250 | 2,492 |
| Average total loans | $54,281,750 | 4,041 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4168% | 4,523 |
| Cost of funding earning assets | 0.6496% | 2,699 |
| Net interest margin | 2.7672% | 4,492 |
| Noninterest income to average assets | 0.0969% | 4,792 |
| Noninterest expense to average assets | 2.4275% | 3,183 |
| Loan and lease loss provision to assets | 0.0267% | 3,917 |
| Net operating income to assets | 0.2210% | 4,544 |
| Return on assets (ROA) | 0.2655% | 4,515 |
| Pretax return on assets | 0.2669% | 4,572 |
| Return on Equity (ROE) | 1.2755% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.2755% | 4,018 |
| Net charge-offs to loans | 0.0516% | 1,749 |
| Credit loss provision to net charge-offs | 135.7143% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.6429% | 2,040 |
| Efficiency ratio | 90.7087% | 373 |
| Assets per employee ($millions) | 5.0283% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2628% | 4,972 |
| Loan loss allowance to noncurrent loans | 9.4567% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 1,139 |
| Noncurrent loans to loans | 2.7792% | 383 |
| Net loans and leases to total assets | 36.6936% | 4,704 |
| Net loans and leases to deposits | 46.1733% | 4,650 |
| Net loans and leases to core deposits | 48.0651% | 4,662 |
| Total domestic deposits to total assets | 79.4693% | 3,944 |
| Equity capital to assets | 20.3695% | 197 |
| Core capital (leverage) ratio | 20.4577% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,371,333 | 3,456 |
| Average earning assets | $132,697,000 | 3,437 |
| Average equity | $29,636,333 | 2,488 |
| Average total loans | $54,290,333 | 4,051 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,361 |
| Cost of funding earning assets | 0.7458% | 2,688 |
| Net interest margin | 2.9711% | 4,331 |
| Noninterest income to average assets | 0.1052% | 4,801 |
| Noninterest expense to average assets | 2.4686% | 3,363 |
| Loan and lease loss provision to assets | 0.0540% | 3,092 |
| Net operating income to assets | 0.3214% | 4,304 |
| Return on assets (ROA) | 0.3214% | 4,330 |
| Pretax return on assets | 0.3242% | 4,416 |
| Return on Equity (ROE) | 1.5269% | 4,540 |
| Retained earnings to average equity (ytd only) | 1.5269% | 3,595 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7133% | 652 |
| Assets per employee ($millions) | 4.8683% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2844% | 4,999 |
| Loan loss allowance to noncurrent loans | 8.3693% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3338% | 864 |
| Noncurrent loans to loans | 3.3985% | 283 |
| Net loans and leases to total assets | 38.4892% | 4,713 |
| Net loans and leases to deposits | 48.7778% | 4,634 |
| Net loans and leases to core deposits | 51.0427% | 4,651 |
| Total domestic deposits to total assets | 78.9071% | 4,068 |
| Equity capital to assets | 20.9853% | 202 |
| Core capital (leverage) ratio | 20.9683% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.9756% | 57 |
| Memoranda: | ||
| Average total assets | $140,646,500 | 3,448 |
| Average earning assets | $129,785,000 | 3,448 |
| Average equity | $29,603,000 | 2,480 |
| Average total loans | $54,611,500 | 4,058 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 4,415 |
| Cost of funding earning assets | 0.7734% | 2,812 |
| Net interest margin | 3.1379% | 4,311 |
| Noninterest income to average assets | 0.0762% | 4,983 |
| Noninterest expense to average assets | 2.6125% | 3,143 |
| Loan and lease loss provision to assets | 0.0237% | 3,545 |
| Net operating income to assets | 0.2868% | 4,762 |
| Return on assets (ROA) | 0.2868% | 4,788 |
| Pretax return on assets | 0.2897% | 4,826 |
| Return on Equity (ROE) | 1.3584% | 4,876 |
| Retained earnings to average equity (ytd only) | 1.3584% | 4,258 |
| Net charge-offs to loans | 0.1063% | 1,666 |
| Credit loss provision to net charge-offs | 56.8966% | 3,068 |
| Earnings coverage of net charge-offs (x) | 7.5172% | 2,868 |
| Efficiency ratio | 89.2875% | 378 |
| Assets per employee ($millions) | 4.8315% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2485% | 5,072 |
| Loan loss allowance to noncurrent loans | 7.3040% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 795 |
| Noncurrent loans to loans | 3.4022% | 245 |
| Net loans and leases to total assets | 38.9636% | 4,774 |
| Net loans and leases to deposits | 49.4793% | 4,702 |
| Net loans and leases to core deposits | 51.9636% | 4,708 |
| Total domestic deposits to total assets | 78.7472% | 4,231 |
| Equity capital to assets | 21.1108% | 209 |
| Core capital (leverage) ratio | 20.8753% | 203 |
| Tier 1 risk-based capital ratio | 64.0209% | 85 |
| Total risk-based capital ratio | 64.4528% | 84 |
| Memoranda: | ||
| Average total assets | $139,098,200 | 3,451 |
| Average earning assets | $126,324,800 | 3,479 |
| Average equity | $29,372,200 | 2,430 |
| Average total loans | $54,555,000 | 4,089 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 4,424 |
| Cost of funding earning assets | 0.7692% | 2,872 |
| Net interest margin | 3.1982% | 4,307 |
| Noninterest income to average assets | 0.0931% | 5,012 |
| Noninterest expense to average assets | 2.6590% | 2,982 |
| Loan and lease loss provision to assets | 0.0317% | 3,273 |
| Net operating income to assets | 0.3083% | 4,830 |
| Return on assets (ROA) | 0.3083% | 4,851 |
| Pretax return on assets | 0.3131% | 4,891 |
| Return on Equity (ROE) | 1.4597% | 4,973 |
| Retained earnings to average equity (ytd only) | 1.4597% | 4,447 |
| Net charge-offs to loans | 0.1321% | 1,203 |
| Credit loss provision to net charge-offs | 61.1111% | 2,699 |
| Earnings coverage of net charge-offs (x) | 6.6479% | 2,816 |
| Efficiency ratio | 88.5230% | 371 |
| Assets per employee ($millions) | 4.8260% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2567% | 5,142 |
| Loan loss allowance to noncurrent loans | 6.4309% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.6370% | 635 |
| Noncurrent loans to loans | 3.9910% | 171 |
| Net loans and leases to total assets | 38.8759% | 4,854 |
| Net loans and leases to deposits | 49.5569% | 4,787 |
| Net loans and leases to core deposits | 52.2355% | 4,793 |
| Total domestic deposits to total assets | 78.4471% | 4,276 |
| Equity capital to assets | 21.0964% | 215 |
| Core capital (leverage) ratio | 21.1277% | 199 |
| Tier 1 risk-based capital ratio | 62.3250% | 85 |
| Total risk-based capital ratio | 62.7847% | 89 |
| Memoranda: | ||
| Average total assets | $138,844,500 | 3,485 |
| Average earning assets | $126,358,500 | 3,513 |
| Average equity | $29,320,500 | 2,444 |
| Average total loans | $54,511,500 | 4,136 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 4,439 |
| Cost of funding earning assets | 0.7466% | 2,909 |
| Net interest margin | 3.2225% | 4,311 |
| Noninterest income to average assets | 0.1242% | 4,951 |
| Noninterest expense to average assets | 2.7240% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3481% | 4,808 |
| Return on assets (ROA) | 0.3481% | 4,824 |
| Pretax return on assets | 0.3553% | 4,882 |
| Return on Equity (ROE) | 1.6477% | 4,989 |
| Retained earnings to average equity (ytd only) | 1.6477% | 4,228 |
| Net charge-offs to loans | 0.0330% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,544 |
| Efficiency ratio | 88.4615% | 420 |
| Assets per employee ($millions) | 4.6187% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2826% | 5,185 |
| Loan loss allowance to noncurrent loans | 11.1192% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 1,210 |
| Noncurrent loans to loans | 2.5419% | 461 |
| Net loans and leases to total assets | 38.7021% | 4,882 |
| Net loans and leases to deposits | 49.2343% | 4,826 |
| Net loans and leases to core deposits | 51.7406% | 4,823 |
| Total domestic deposits to total assets | 78.6080% | 4,298 |
| Equity capital to assets | 21.2217% | 201 |
| Core capital (leverage) ratio | 21.1034% | 189 |
| Tier 1 risk-based capital ratio | 63.2061% | 84 |
| Total risk-based capital ratio | 63.6499% | 85 |
| Memoranda: | ||
| Average total assets | $138,475,000 | 3,511 |
| Average earning assets | $126,982,330 | 3,519 |
| Average equity | $29,252,330 | 2,441 |
| Average total loans | $54,499,330 | 4,165 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 4,468 |
| Cost of funding earning assets | 0.7146% | 2,977 |
| Net interest margin | 3.2376% | 4,311 |
| Noninterest income to average assets | 0.1329% | 4,931 |
| Noninterest expense to average assets | 2.8635% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2398% | 4,974 |
| Return on assets (ROA) | 0.2398% | 4,978 |
| Pretax return on assets | 0.2543% | 4,997 |
| Return on Equity (ROE) | 1.1379% | 5,056 |
| Retained earnings to average equity (ytd only) | 1.1379% | 4,283 |
| Net charge-offs to loans | 0.0510% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 1,865 |
| Efficiency ratio | 91.8443% | 333 |
| Assets per employee ($millions) | 4.8176% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2818% | 5,251 |
| Loan loss allowance to noncurrent loans | 12.6645% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 1,398 |
| Noncurrent loans to loans | 2.2254% | 635 |
| Net loans and leases to total assets | 39.0015% | 4,919 |
| Net loans and leases to deposits | 49.3967% | 4,835 |
| Net loans and leases to core deposits | 51.8661% | 4,840 |
| Total domestic deposits to total assets | 78.9557% | 4,361 |
| Equity capital to assets | 20.9369% | 201 |
| Core capital (leverage) ratio | 20.9208% | 202 |
| Tier 1 risk-based capital ratio | 62.3086% | 83 |
| Total risk-based capital ratio | 62.7720% | 83 |
| Memoranda: | ||
| Average total assets | $138,432,000 | 3,552 |
| Average earning assets | $127,627,000 | 3,550 |
| Average equity | $29,176,000 | 2,457 |
| Average total loans | $54,860,000 | 4,192 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 4,281 |
| Cost of funding earning assets | 0.5554% | 3,014 |
| Net interest margin | 3.3425% | 4,147 |
| Noninterest income to average assets | 0.1394% | 5,010 |
| Noninterest expense to average assets | 2.6743% | 3,114 |
| Loan and lease loss provision to assets | 0.0144% | 3,858 |
| Net operating income to assets | 0.5173% | 4,624 |
| Return on assets (ROA) | 0.5173% | 4,625 |
| Pretax return on assets | 0.5339% | 4,747 |
| Return on Equity (ROE) | 2.5012% | 4,980 |
| Retained earnings to average equity (ytd only) | 2.5012% | 4,145 |
| Net charge-offs to loans | 0.0667% | 2,161 |
| Credit loss provision to net charge-offs | 54.0541% | 3,151 |
| Earnings coverage of net charge-offs (x) | 20.6216% | 1,984 |
| Efficiency ratio | 82.9877% | 707 |
| Assets per employee ($millions) | 4.5718% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2923% | 5,285 |
| Loan loss allowance to noncurrent loans | 16.2791% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 1,776 |
| Noncurrent loans to loans | 1.7957% | 795 |
| Net loans and leases to total assets | 40.0397% | 4,947 |
| Net loans and leases to deposits | 50.8599% | 4,859 |
| Net loans and leases to core deposits | 53.4358% | 4,864 |
| Total domestic deposits to total assets | 78.7254% | 4,362 |
| Equity capital to assets | 21.2178% | 188 |
| Core capital (leverage) ratio | 21.0593% | 190 |
| Tier 1 risk-based capital ratio | 62.6208% | 86 |
| Total risk-based capital ratio | 62.9673% | 86 |
| Memoranda: | ||
| Average total assets | $139,175,200 | 3,519 |
| Average earning assets | $128,375,400 | 3,518 |
| Average equity | $28,786,000 | 2,409 |
| Average total loans | $55,480,200 | 4,198 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 4,282 |
| Cost of funding earning assets | 0.5269% | 3,017 |
| Net interest margin | 3.3436% | 4,172 |
| Noninterest income to average assets | 0.1375% | 5,085 |
| Noninterest expense to average assets | 2.6383% | 3,167 |
| Loan and lease loss provision to assets | 0.0191% | 3,625 |
| Net operating income to assets | 0.5784% | 4,558 |
| Return on assets (ROA) | 0.5784% | 4,566 |
| Pretax return on assets | 0.5689% | 4,783 |
| Return on Equity (ROE) | 2.8146% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.8146% | 4,309 |
| Net charge-offs to loans | 0.0744% | 1,787 |
| Credit loss provision to net charge-offs | 64.5161% | 2,686 |
| Earnings coverage of net charge-offs (x) | 19.8720% | 1,979 |
| Efficiency ratio | 81.7751% | 794 |
| Assets per employee ($millions) | 4.5634% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3029% | 5,352 |
| Loan loss allowance to noncurrent loans | 11.6053% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,278 |
| Noncurrent loans to loans | 2.6099% | 486 |
| Net loans and leases to total assets | 40.1524% | 5,023 |
| Net loans and leases to deposits | 50.9737% | 4,919 |
| Net loans and leases to core deposits | 53.5802% | 4,922 |
| Total domestic deposits to total assets | 78.7708% | 4,363 |
| Equity capital to assets | 21.1847% | 187 |
| Core capital (leverage) ratio | 21.0149% | 193 |
| Tier 1 risk-based capital ratio | 61.8994% | 83 |
| Total risk-based capital ratio | 62.2560% | 84 |
| Memoranda: | ||
| Average total assets | $139,680,500 | 3,548 |
| Average earning assets | $129,041,250 | 3,543 |
| Average equity | $28,707,250 | 2,420 |
| Average total loans | $55,581,000 | 4,241 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 4,265 |
| Cost of funding earning assets | 0.4991% | 3,014 |
| Net interest margin | 3.3332% | 4,149 |
| Noninterest income to average assets | 0.1351% | 5,135 |
| Noninterest expense to average assets | 2.6386% | 3,192 |
| Loan and lease loss provision to assets | 0.0284% | 3,342 |
| Net operating income to assets | 0.5604% | 4,606 |
| Return on assets (ROA) | 0.5604% | 4,607 |
| Pretax return on assets | 0.5462% | 4,824 |
| Return on Equity (ROE) | 2.7544% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.7544% | 4,149 |
| Net charge-offs to loans | 0.1113% | 1,262 |
| Credit loss provision to net charge-offs | 64.5161% | 2,400 |
| Earnings coverage of net charge-offs (x) | 13.0323% | 2,170 |
| Efficiency ratio | 82.1160% | 824 |
| Assets per employee ($millions) | 4.6281% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3014% | 5,415 |
| Loan loss allowance to noncurrent loans | 15.3917% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 1,685 |
| Noncurrent loans to loans | 1.9581% | 774 |
| Net loans and leases to total assets | 39.7888% | 5,063 |
| Net loans and leases to deposits | 50.2218% | 4,975 |
| Net loans and leases to core deposits | 52.6851% | 4,970 |
| Total domestic deposits to total assets | 79.2262% | 4,390 |
| Equity capital to assets | 20.7407% | 196 |
| Core capital (leverage) ratio | 20.4249% | 209 |
| Tier 1 risk-based capital ratio | 61.2848% | 87 |
| Total risk-based capital ratio | 61.6405% | 88 |
| Memoranda: | ||
| Average total assets | $140,607,000 | 3,563 |
| Average earning assets | $129,844,670 | 3,552 |
| Average equity | $28,609,000 | 2,437 |
| Average total loans | $55,729,330 | 4,264 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,213 |
| Cost of funding earning assets | 0.4798% | 2,964 |
| Net interest margin | 3.3222% | 4,128 |
| Noninterest income to average assets | 0.1329% | 5,200 |
| Noninterest expense to average assets | 2.6235% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5824% | 4,476 |
| Return on assets (ROA) | 0.5824% | 4,484 |
| Pretax return on assets | 0.5824% | 4,729 |
| Return on Equity (ROE) | 2.8897% | 5,043 |
| Retained earnings to average equity (ytd only) | 2.8897% | 4,039 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8342% | 963 |
| Assets per employee ($millions) | 4.7469% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3205% | 5,477 |
| Loan loss allowance to noncurrent loans | 14.9329% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 1,765 |
| Noncurrent loans to loans | 2.1465% | 716 |
| Net loans and leases to total assets | 38.8713% | 5,111 |
| Net loans and leases to deposits | 48.6659% | 5,019 |
| Net loans and leases to core deposits | 51.1396% | 5,010 |
| Total domestic deposits to total assets | 79.8737% | 4,438 |
| Equity capital to assets | 20.0834% | 211 |
| Core capital (leverage) ratio | 20.3193% | 203 |
| Tier 1 risk-based capital ratio | 60.4270% | 88 |
| Total risk-based capital ratio | 60.8033% | 89 |
| Memoranda: | ||
| Average total assets | $141,489,000 | 3,585 |
| Average earning assets | $130,877,500 | 3,578 |
| Average equity | $28,515,000 | 2,466 |
| Average total loans | $55,888,500 | 4,309 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,373 |
| Cost of funding earning assets | 0.4560% | 2,715 |
| Net interest margin | 3.2282% | 4,364 |
| Noninterest income to average assets | 0.1337% | 5,277 |
| Noninterest expense to average assets | 2.5216% | 3,709 |
| Loan and lease loss provision to assets | 0.0211% | 3,878 |
| Net operating income to assets | 0.5630% | 4,176 |
| Return on assets (ROA) | 0.5630% | 4,209 |
| Pretax return on assets | 0.5806% | 4,782 |
| Return on Equity (ROE) | 2.8528% | 4,878 |
| Retained earnings to average equity (ytd only) | 2.8528% | 3,605 |
| Net charge-offs to loans | 0.0627% | 2,579 |
| Credit loss provision to net charge-offs | 85.7143% | 2,855 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,757 |
| Efficiency ratio | 80.7346% | 1,039 |
| Assets per employee ($millions) | 4.6857% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3165% | 5,546 |
| Loan loss allowance to noncurrent loans | 34.2967% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 3,135 |
| Noncurrent loans to loans | 0.9228% | 1,936 |
| Net loans and leases to total assets | 39.8842% | 5,135 |
| Net loans and leases to deposits | 50.0402% | 5,058 |
| Net loans and leases to core deposits | 52.4001% | 5,059 |
| Total domestic deposits to total assets | 79.7044% | 4,396 |
| Equity capital to assets | 20.2245% | 196 |
| Core capital (leverage) ratio | 19.9633% | 200 |
| Tier 1 risk-based capital ratio | 59.7532% | 86 |
| Total risk-based capital ratio | 60.1280% | 87 |
| Memoranda: | ||
| Average total assets | $142,091,600 | 3,584 |
| Average earning assets | $131,591,800 | 3,570 |
| Average equity | $28,042,200 | 2,489 |
| Average total loans | $55,829,000 | 4,298 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 4,394 |
| Cost of funding earning assets | 0.4571% | 2,641 |
| Net interest margin | 3.2130% | 4,419 |
| Noninterest income to average assets | 0.1198% | 5,399 |
| Noninterest expense to average assets | 2.5052% | 3,710 |
| Loan and lease loss provision to assets | 0.0094% | 3,945 |
| Net operating income to assets | 0.5755% | 4,481 |
| Return on assets (ROA) | 0.5755% | 4,525 |
| Pretax return on assets | 0.5783% | 4,884 |
| Return on Equity (ROE) | 2.9342% | 5,125 |
| Retained earnings to average equity (ytd only) | 2.9342% | 4,159 |
| Net charge-offs to loans | 0.0646% | 2,196 |
| Credit loss provision to net charge-offs | 37.0370% | 3,020 |
| Earnings coverage of net charge-offs (x) | 23.2586% | 1,822 |
| Efficiency ratio | 80.9985% | 998 |
| Assets per employee ($millions) | 4.5747% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2949% | 5,622 |
| Loan loss allowance to noncurrent loans | 38.7850% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 3,506 |
| Noncurrent loans to loans | 0.7604% | 2,457 |
| Net loans and leases to total assets | 39.5724% | 5,210 |
| Net loans and leases to deposits | 49.4602% | 5,144 |
| Net loans and leases to core deposits | 51.5411% | 5,151 |
| Total domestic deposits to total assets | 80.0086% | 4,311 |
| Equity capital to assets | 19.9251% | 230 |
| Core capital (leverage) ratio | 19.8637% | 214 |
| Tier 1 risk-based capital ratio | 59.0689% | 87 |
| Total risk-based capital ratio | 59.4167% | 87 |
| Memoranda: | ||
| Average total assets | $142,471,500 | 3,611 |
| Average earning assets | $131,837,500 | 3,604 |
| Average equity | $27,945,250 | 2,509 |
| Average total loans | $55,725,250 | 4,337 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 4,417 |
| Cost of funding earning assets | 0.4575% | 2,528 |
| Net interest margin | 3.1767% | 4,482 |
| Noninterest income to average assets | 0.1346% | 5,379 |
| Noninterest expense to average assets | 2.4865% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5831% | 4,375 |
| Return on assets (ROA) | 0.5831% | 4,431 |
| Pretax return on assets | 0.5873% | 4,833 |
| Return on Equity (ROE) | 2.9884% | 5,125 |
| Retained earnings to average equity (ytd only) | 2.9884% | 3,939 |
| Net charge-offs to loans | 0.0504% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.9286% | 1,465 |
| Efficiency ratio | 80.8938% | 1,115 |
| Assets per employee ($millions) | 4.5934% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 5,663 |
| Loan loss allowance to noncurrent loans | 39.6714% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 3,593 |
| Noncurrent loans to loans | 0.7661% | 2,483 |
| Net loans and leases to total assets | 38.9297% | 5,261 |
| Net loans and leases to deposits | 48.5008% | 5,189 |
| Net loans and leases to core deposits | 50.6445% | 5,196 |
| Total domestic deposits to total assets | 80.2662% | 4,354 |
| Equity capital to assets | 19.6889% | 232 |
| Core capital (leverage) ratio | 19.4913% | 220 |
| Tier 1 risk-based capital ratio | 59.5566% | 87 |
| Total risk-based capital ratio | 59.9162% | 87 |
| Memoranda: | ||
| Average total assets | $142,690,000 | 3,620 |
| Average earning assets | $132,022,000 | 3,619 |
| Average equity | $27,841,330 | 2,518 |
| Average total loans | $55,538,330 | 4,369 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 4,348 |
| Cost of funding earning assets | 0.4588% | 2,443 |
| Net interest margin | 3.1662% | 4,445 |
| Noninterest income to average assets | 0.1344% | 5,441 |
| Noninterest expense to average assets | 2.5147% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5265% | 4,489 |
| Return on assets (ROA) | 0.5265% | 4,529 |
| Pretax return on assets | 0.5377% | 4,876 |
| Return on Equity (ROE) | 2.7105% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.7105% | 4,054 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3853% | 1,123 |
| Assets per employee ($millions) | 4.6378% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3332% | 5,727 |
| Loan loss allowance to noncurrent loans | 39.2704% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 3,581 |
| Noncurrent loans to loans | 0.8485% | 2,337 |
| Net loans and leases to total assets | 38.0737% | 5,319 |
| Net loans and leases to deposits | 47.2430% | 5,255 |
| Net loans and leases to core deposits | 49.2980% | 5,251 |
| Total domestic deposits to total assets | 80.5914% | 4,505 |
| Equity capital to assets | 19.3481% | 231 |
| Core capital (leverage) ratio | 19.3390% | 221 |
| Tier 1 risk-based capital ratio | 59.7697% | 85 |
| Total risk-based capital ratio | 60.1636% | 86 |
| Memoranda: | ||
| Average total assets | $142,837,500 | 3,654 |
| Average earning assets | $131,640,500 | 3,653 |
| Average equity | $27,744,000 | 2,534 |
| Average total loans | $55,506,000 | 4,407 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,053 |
| Cost of funding earning assets | 0.4792% | 2,265 |
| Net interest margin | 3.2698% | 4,230 |
| Noninterest income to average assets | 0.1168% | 5,595 |
| Noninterest expense to average assets | 2.5279% | 3,926 |
| Loan and lease loss provision to assets | 0.0422% | 3,540 |
| Net operating income to assets | 0.6197% | 4,125 |
| Return on assets (ROA) | 0.6197% | 4,245 |
| Pretax return on assets | 0.5557% | 4,909 |
| Return on Equity (ROE) | 3.2399% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.2399% | 3,603 |
| Net charge-offs to loans | 0.1205% | 2,051 |
| Credit loss provision to net charge-offs | 86.9565% | 2,853 |
| Earnings coverage of net charge-offs (x) | 12.3188% | 2,461 |
| Efficiency ratio | 80.8731% | 1,317 |
| Assets per employee ($millions) | 4.5775% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3263% | 5,784 |
| Loan loss allowance to noncurrent loans | 22.5926% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 2,777 |
| Noncurrent loans to loans | 1.4441% | 1,407 |
| Net loans and leases to total assets | 39.3978% | 5,340 |
| Net loans and leases to deposits | 48.9931% | 5,251 |
| Net loans and leases to core deposits | 51.1533% | 5,262 |
| Total domestic deposits to total assets | 80.4149% | 4,474 |
| Equity capital to assets | 19.4998% | 223 |
| Core capital (leverage) ratio | 19.3248% | 212 |
| Tier 1 risk-based capital ratio | 58.5806% | 88 |
| Total risk-based capital ratio | 58.9693% | 94 |
| Memoranda: | ||
| Average total assets | $142,175,400 | 3,639 |
| Average earning assets | $130,833,800 | 3,639 |
| Average equity | $27,191,800 | 2,557 |
| Average total loans | $57,239,200 | 4,371 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 3,956 |
| Cost of funding earning assets | 0.4808% | 2,254 |
| Net interest margin | 3.3075% | 4,165 |
| Noninterest income to average assets | 0.1228% | 5,633 |
| Noninterest expense to average assets | 2.5074% | 3,967 |
| Loan and lease loss provision to assets | 0.0562% | 3,120 |
| Net operating income to assets | 0.6786% | 3,972 |
| Return on assets (ROA) | 0.6786% | 4,094 |
| Pretax return on assets | 0.6027% | 4,870 |
| Return on Equity (ROE) | 3.5657% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.5657% | 3,759 |
| Net charge-offs to loans | 0.1599% | 1,420 |
| Credit loss provision to net charge-offs | 86.9565% | 2,579 |
| Earnings coverage of net charge-offs (x) | 10.1882% | 2,605 |
| Efficiency ratio | 79.1889% | 1,534 |
| Assets per employee ($millions) | 4.7092% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3219% | 5,842 |
| Loan loss allowance to noncurrent loans | 21.9424% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 2,750 |
| Noncurrent loans to loans | 1.4668% | 1,471 |
| Net loans and leases to total assets | 40.1162% | 5,373 |
| Net loans and leases to deposits | 49.8154% | 5,304 |
| Net loans and leases to core deposits | 52.0350% | 5,313 |
| Total domestic deposits to total assets | 80.5297% | 4,379 |
| Equity capital to assets | 19.4235% | 245 |
| Core capital (leverage) ratio | 19.4234% | 217 |
| Tier 1 risk-based capital ratio | 57.5624% | 94 |
| Total risk-based capital ratio | 57.9466% | 98 |
| Memoranda: | ||
| Average total assets | $142,243,250 | 3,646 |
| Average earning assets | $130,893,250 | 3,658 |
| Average equity | $27,072,000 | 2,584 |
| Average total loans | $57,526,500 | 4,393 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,907 |
| Cost of funding earning assets | 0.4806% | 2,266 |
| Net interest margin | 3.3335% | 4,105 |
| Noninterest income to average assets | 0.1473% | 5,571 |
| Noninterest expense to average assets | 2.5266% | 3,967 |
| Loan and lease loss provision to assets | 0.0701% | 2,735 |
| Net operating income to assets | 0.7295% | 3,655 |
| Return on assets (ROA) | 0.7295% | 3,812 |
| Pretax return on assets | 0.6159% | 4,847 |
| Return on Equity (ROE) | 3.8591% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,437 |
| Net charge-offs to loans | 0.2182% | 1,071 |
| Credit loss provision to net charge-offs | 79.3651% | 2,374 |
| Earnings coverage of net charge-offs (x) | 7.7619% | 2,595 |
| Efficiency ratio | 78.6463% | 1,699 |
| Assets per employee ($millions) | 4.7047% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3127% | 5,933 |
| Loan loss allowance to noncurrent loans | 25.7554% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 3,024 |
| Noncurrent loans to loans | 1.2140% | 1,895 |
| Net loans and leases to total assets | 40.4336% | 5,401 |
| Net loans and leases to deposits | 50.1309% | 5,330 |
| Net loans and leases to core deposits | 52.3608% | 5,351 |
| Total domestic deposits to total assets | 80.6561% | 4,374 |
| Equity capital to assets | 19.3049% | 241 |
| Core capital (leverage) ratio | 19.0825% | 226 |
| Tier 1 risk-based capital ratio | 56.9664% | 103 |
| Total risk-based capital ratio | 57.3411% | 105 |
| Memoranda: | ||
| Average total assets | $142,565,330 | 3,662 |
| Average earning assets | $131,092,330 | 3,677 |
| Average equity | $26,949,000 | 2,597 |
| Average total loans | $57,749,330 | 4,415 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,244 |
| Cost of funding earning assets | 0.4773% | 2,308 |
| Net interest margin | 3.2442% | 4,418 |
| Noninterest income to average assets | 0.0558% | 5,946 |
| Noninterest expense to average assets | 2.5014% | 4,065 |
| Loan and lease loss provision to assets | 0.0838% | 2,279 |
| Net operating income to assets | 0.4774% | 4,717 |
| Return on assets (ROA) | 0.4774% | 4,813 |
| Pretax return on assets | 0.4690% | 5,165 |
| Return on Equity (ROE) | 2.5522% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.5522% | 4,225 |
| Net charge-offs to loans | 0.0483% | 2,076 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 28.2857% | 1,216 |
| Efficiency ratio | 81.9013% | 1,377 |
| Assets per employee ($millions) | 4.7648% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3708% | 5,969 |
| Loan loss allowance to noncurrent loans | 22.4660% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 2,759 |
| Noncurrent loans to loans | 1.6504% | 1,371 |
| Net loans and leases to total assets | 40.4158% | 5,434 |
| Net loans and leases to deposits | 49.8022% | 5,351 |
| Net loans and leases to core deposits | 52.1027% | 5,349 |
| Total domestic deposits to total assets | 81.1528% | 4,443 |
| Equity capital to assets | 18.8053% | 272 |
| Core capital (leverage) ratio | 18.7962% | 245 |
| Tier 1 risk-based capital ratio | 55.6455% | 106 |
| Total risk-based capital ratio | 56.0908% | 108 |
| Memoranda: | ||
| Average total assets | $143,278,000 | 3,681 |
| Average earning assets | $132,421,000 | 3,677 |
| Average equity | $26,800,000 | 2,611 |
| Average total loans | $58,000,500 | 4,441 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,053 |
| Cost of funding earning assets | 0.4999% | 2,156 |
| Net interest margin | 3.2963% | 4,305 |
| Noninterest income to average assets | 0.1368% | 5,730 |
| Noninterest expense to average assets | 2.5133% | 4,187 |
| Loan and lease loss provision to assets | 0.0784% | 2,717 |
| Net operating income to assets | 0.6126% | 4,211 |
| Return on assets (ROA) | 0.6126% | 4,306 |
| Pretax return on assets | 0.5749% | 4,923 |
| Return on Equity (ROE) | 3.2662% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.2662% | 3,729 |
| Net charge-offs to loans | 0.1269% | 2,108 |
| Credit loss provision to net charge-offs | 146.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 12.2267% | 2,485 |
| Efficiency ratio | 79.3701% | 1,765 |
| Assets per employee ($millions) | 4.7871% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3310% | 6,038 |
| Loan loss allowance to noncurrent loans | 19.3939% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 2,627 |
| Noncurrent loans to loans | 1.7065% | 1,327 |
| Net loans and leases to total assets | 40.2627% | 5,495 |
| Net loans and leases to deposits | 49.5119% | 5,415 |
| Net loans and leases to core deposits | 51.7784% | 5,420 |
| Total domestic deposits to total assets | 81.3191% | 4,397 |
| Equity capital to assets | 18.6050% | 267 |
| Core capital (leverage) ratio | 18.6632% | 254 |
| Tier 1 risk-based capital ratio | 54.5237% | 108 |
| Total risk-based capital ratio | 54.9159% | 108 |
| Memoranda: | ||
| Average total assets | $140,374,000 | 3,716 |
| Average earning assets | $129,023,600 | 3,719 |
| Average equity | $26,330,000 | 2,602 |
| Average total loans | $59,124,400 | 4,399 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,971 |
| Cost of funding earning assets | 0.5024% | 2,187 |
| Net interest margin | 3.3347% | 4,201 |
| Noninterest income to average assets | 0.1519% | 5,729 |
| Noninterest expense to average assets | 2.5240% | 4,123 |
| Loan and lease loss provision to assets | 0.0955% | 2,262 |
| Net operating income to assets | 0.6697% | 4,036 |
| Return on assets (ROA) | 0.6697% | 4,151 |
| Pretax return on assets | 0.5952% | 4,985 |
| Return on Equity (ROE) | 3.5629% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.5629% | 3,930 |
| Net charge-offs to loans | 0.1504% | 1,631 |
| Credit loss provision to net charge-offs | 149.2537% | 1,688 |
| Earnings coverage of net charge-offs (x) | 10.7912% | 2,565 |
| Efficiency ratio | 78.5141% | 1,888 |
| Assets per employee ($millions) | 4.7038% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3275% | 6,133 |
| Loan loss allowance to noncurrent loans | 19.6484% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 2,866 |
| Noncurrent loans to loans | 1.6668% | 1,468 |
| Net loans and leases to total assets | 40.9782% | 5,543 |
| Net loans and leases to deposits | 50.5225% | 5,450 |
| Net loans and leases to core deposits | 53.0631% | 5,458 |
| Total domestic deposits to total assets | 81.1089% | 4,448 |
| Equity capital to assets | 18.8351% | 286 |
| Core capital (leverage) ratio | 18.8661% | 250 |
| Tier 1 risk-based capital ratio | 54.8238% | 115 |
| Total risk-based capital ratio | 55.2163% | 115 |
| Memoranda: | ||
| Average total assets | $139,564,500 | 3,763 |
| Average earning assets | $128,183,750 | 3,768 |
| Average equity | $26,232,750 | 2,629 |
| Average total loans | $59,402,000 | 4,440 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 3,805 |
| Cost of funding earning assets | 0.5007% | 2,247 |
| Net interest margin | 3.3669% | 4,028 |
| Noninterest income to average assets | 0.1539% | 5,789 |
| Noninterest expense to average assets | 2.5588% | 4,046 |
| Loan and lease loss provision to assets | 0.0863% | 2,382 |
| Net operating income to assets | 0.7307% | 3,733 |
| Return on assets (ROA) | 0.7307% | 3,847 |
| Pretax return on assets | 0.6041% | 4,966 |
| Return on Equity (ROE) | 3.8901% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.8901% | 3,527 |
| Net charge-offs to loans | 0.1203% | 1,810 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 2,141 |
| Efficiency ratio | 78.7517% | 1,957 |
| Assets per employee ($millions) | 4.7619% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3052% | 6,214 |
| Loan loss allowance to noncurrent loans | 18.7371% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 2,814 |
| Noncurrent loans to loans | 1.6290% | 1,605 |
| Net loans and leases to total assets | 42.8100% | 5,449 |
| Net loans and leases to deposits | 52.9527% | 5,316 |
| Net loans and leases to core deposits | 54.6079% | 5,388 |
| Total domestic deposits to total assets | 80.8457% | 4,655 |
| Equity capital to assets | 19.1073% | 260 |
| Core capital (leverage) ratio | 18.8637% | 243 |
| Tier 1 risk-based capital ratio | 55.3129% | 122 |
| Total risk-based capital ratio | 55.6930% | 122 |
| Memoranda: | ||
| Average total assets | $139,048,000 | 3,796 |
| Average earning assets | $127,832,000 | 3,806 |
| Average equity | $26,117,330 | 2,648 |
| Average total loans | $59,864,000 | 4,468 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 3,747 |
| Cost of funding earning assets | 0.5013% | 2,266 |
| Net interest margin | 3.3689% | 3,954 |
| Noninterest income to average assets | 0.0917% | 6,118 |
| Noninterest expense to average assets | 2.5974% | 3,937 |
| Loan and lease loss provision to assets | 0.0860% | 2,255 |
| Net operating income to assets | 0.6078% | 4,253 |
| Return on assets (ROA) | 0.6078% | 4,347 |
| Pretax return on assets | 0.5103% | 5,155 |
| Return on Equity (ROE) | 3.2637% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.2637% | 4,028 |
| Net charge-offs to loans | 0.0200% | 2,756 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 69.3333% | 649 |
| Efficiency ratio | 81.3285% | 1,712 |
| Assets per employee ($millions) | 4.8177% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3073% | 6,293 |
| Loan loss allowance to noncurrent loans | 22.7441% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 3,409 |
| Noncurrent loans to loans | 1.3510% | 2,127 |
| Net loans and leases to total assets | 42.7280% | 5,440 |
| Net loans and leases to deposits | 52.5997% | 5,299 |
| Net loans and leases to core deposits | 54.0822% | 5,364 |
| Total domestic deposits to total assets | 81.2324% | 4,756 |
| Equity capital to assets | 18.6760% | 283 |
| Core capital (leverage) ratio | 18.6004% | 257 |
| Tier 1 risk-based capital ratio | 54.1920% | 127 |
| Total risk-based capital ratio | 54.5748% | 133 |
| Memoranda: | ||
| Average total assets | $139,525,000 | 3,820 |
| Average earning assets | $128,468,500 | 3,821 |
| Average equity | $25,983,000 | 2,674 |
| Average total loans | $60,146,500 | 4,487 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 4,385 |
| Cost of funding earning assets | 0.5365% | 2,316 |
| Net interest margin | 3.2943% | 4,589 |
| Noninterest income to average assets | 0.0866% | 6,202 |
| Noninterest expense to average assets | 2.3283% | 5,032 |
| Loan and lease loss provision to assets | 0.1048% | 2,404 |
| Net operating income to assets | 0.7307% | 3,731 |
| Return on assets (ROA) | 0.7307% | 3,841 |
| Pretax return on assets | 0.7035% | 4,617 |
| Return on Equity (ROE) | 4.1186% | 5,066 |
| Retained earnings to average equity (ytd only) | 4.1186% | 3,274 |
| Net charge-offs to loans | 0.2233% | 1,879 |
| Credit loss provision to net charge-offs | 108.6957% | 2,195 |
| Earnings coverage of net charge-offs (x) | 8.3841% | 2,885 |
| Efficiency ratio | 74.2316% | 2,799 |
| Assets per employee ($millions) | 4.8047% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2599% | 6,397 |
| Loan loss allowance to noncurrent loans | 15.4832% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 2,987 |
| Noncurrent loans to loans | 1.6785% | 1,743 |
| Net loans and leases to total assets | 43.2444% | 5,519 |
| Net loans and leases to deposits | 53.1471% | 5,400 |
| Net loans and leases to core deposits | 54.6461% | 5,465 |
| Total domestic deposits to total assets | 81.3673% | 4,634 |
| Equity capital to assets | 18.5688% | 286 |
| Core capital (leverage) ratio | 18.5429% | 268 |
| Tier 1 risk-based capital ratio | 49.7478% | 136 |
| Total risk-based capital ratio | 50.0501% | 142 |
| Memoranda: | ||
| Average total assets | $143,151,400 | 3,738 |
| Average earning assets | $132,531,800 | 3,711 |
| Average equity | $25,397,000 | 2,626 |
| Average total loans | $61,797,800 | 4,438 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,547 |
| Cost of funding earning assets | 0.5391% | 2,382 |
| Net interest margin | 3.2606% | 4,758 |
| Noninterest income to average assets | 0.0749% | 6,323 |
| Noninterest expense to average assets | 2.2807% | 5,152 |
| Loan and lease loss provision to assets | 0.0925% | 2,506 |
| Net operating income to assets | 0.7319% | 3,777 |
| Return on assets (ROA) | 0.7319% | 3,881 |
| Pretax return on assets | 0.7235% | 4,616 |
| Return on Equity (ROE) | 4.1722% | 5,098 |
| Retained earnings to average equity (ytd only) | 4.1722% | 3,680 |
| Net charge-offs to loans | 0.2081% | 1,804 |
| Credit loss provision to net charge-offs | 103.0928% | 2,141 |
| Earnings coverage of net charge-offs (x) | 9.0928% | 2,714 |
| Efficiency ratio | 73.6480% | 2,877 |
| Assets per employee ($millions) | 4.9137% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2388% | 6,481 |
| Loan loss allowance to noncurrent loans | 20.2740% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 3,939 |
| Noncurrent loans to loans | 1.1777% | 2,709 |
| Net loans and leases to total assets | 43.3946% | 5,570 |
| Net loans and leases to deposits | 52.9717% | 5,464 |
| Net loans and leases to core deposits | 54.6520% | 5,526 |
| Total domestic deposits to total assets | 81.9203% | 4,507 |
| Equity capital to assets | 17.9913% | 338 |
| Core capital (leverage) ratio | 17.9520% | 304 |
| Tier 1 risk-based capital ratio | 48.2024% | 144 |
| Total risk-based capital ratio | 48.4813% | 151 |
| Memoranda: | ||
| Average total assets | $144,105,250 | 3,759 |
| Average earning assets | $133,552,250 | 3,729 |
| Average equity | $25,278,000 | 2,644 |
| Average total loans | $62,144,250 | 4,459 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,579 |
| Cost of funding earning assets | 0.5446% | 2,390 |
| Net interest margin | 3.2392% | 4,809 |
| Noninterest income to average assets | 0.0484% | 6,448 |
| Noninterest expense to average assets | 2.2469% | 5,296 |
| Loan and lease loss provision to assets | 0.0553% | 3,189 |
| Net operating income to assets | 0.7854% | 3,401 |
| Return on assets (ROA) | 0.7854% | 3,501 |
| Pretax return on assets | 0.7481% | 4,466 |
| Return on Equity (ROE) | 4.5154% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.5154% | 3,306 |
| Net charge-offs to loans | 0.1061% | 2,620 |
| Credit loss provision to net charge-offs | 121.2121% | 1,706 |
| Earnings coverage of net charge-offs (x) | 17.6061% | 1,726 |
| Efficiency ratio | 73.6627% | 3,032 |
| Assets per employee ($millions) | 5.3046% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2455% | 6,556 |
| Loan loss allowance to noncurrent loans | 29.4574% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 4,532 |
| Noncurrent loans to loans | 0.8335% | 3,615 |
| Net loans and leases to total assets | 43.1178% | 5,593 |
| Net loans and leases to deposits | 52.4998% | 5,465 |
| Net loans and leases to core deposits | 54.1521% | 5,540 |
| Total domestic deposits to total assets | 82.1294% | 4,602 |
| Equity capital to assets | 17.7729% | 341 |
| Core capital (leverage) ratio | 17.7051% | 312 |
| Tier 1 risk-based capital ratio | 47.5688% | 148 |
| Total risk-based capital ratio | 47.8540% | 154 |
| Memoranda: | ||
| Average total assets | $144,641,330 | 3,767 |
| Average earning assets | $134,046,670 | 3,743 |
| Average equity | $25,158,330 | 2,644 |
| Average total loans | $62,197,670 | 4,475 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,585 |
| Cost of funding earning assets | 0.5499% | 2,419 |
| Net interest margin | 3.2250% | 4,838 |
| Noninterest income to average assets | 0.0468% | 6,488 |
| Noninterest expense to average assets | 2.2704% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7816% | 3,244 |
| Return on assets (ROA) | 0.7816% | 3,326 |
| Pretax return on assets | 0.7623% | 4,262 |
| Return on Equity (ROE) | 4.5422% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.5422% | 3,394 |
| Net charge-offs to loans | 0.0321% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 55.4000% | 698 |
| Efficiency ratio | 74.8639% | 2,989 |
| Assets per employee ($millions) | 5.1899% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2247% | 6,631 |
| Loan loss allowance to noncurrent loans | 35.7143% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 4,825 |
| Noncurrent loans to loans | 0.6292% | 4,290 |
| Net loans and leases to total assets | 42.7799% | 5,605 |
| Net loans and leases to deposits | 51.8331% | 5,463 |
| Net loans and leases to core deposits | 53.4531% | 5,535 |
| Total domestic deposits to total assets | 82.5339% | 4,775 |
| Equity capital to assets | 17.3216% | 364 |
| Core capital (leverage) ratio | 17.2548% | 343 |
| Tier 1 risk-based capital ratio | 46.4919% | 160 |
| Total risk-based capital ratio | 46.7515% | 166 |
| Memoranda: | ||
| Average total assets | $145,350,000 | 3,778 |
| Average earning assets | $134,572,000 | 3,753 |
| Average equity | $25,010,000 | 2,645 |
| Average total loans | $62,343,000 | 4,514 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 4,534 |
| Cost of funding earning assets | 0.6472% | 2,223 |
| Net interest margin | 3.2331% | 4,886 |
| Noninterest income to average assets | 0.1410% | 6,237 |
| Noninterest expense to average assets | 2.3677% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6885% | 3,853 |
| Return on assets (ROA) | 0.6885% | 3,948 |
| Pretax return on assets | 0.7476% | 4,352 |
| Return on Equity (ROE) | 4.0822% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.0822% | 3,276 |
| Net charge-offs to loans | 0.0378% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 44.8333% | 860 |
| Efficiency ratio | 76.0036% | 2,767 |
| Assets per employee ($millions) | 5.1923% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2324% | 6,702 |
| Loan loss allowance to noncurrent loans | 28.2651% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 4,234 |
| Noncurrent loans to loans | 0.8224% | 3,920 |
| Net loans and leases to total assets | 42.8073% | 5,765 |
| Net loans and leases to deposits | 51.7194% | 5,645 |
| Net loans and leases to core deposits | 53.3290% | 5,715 |
| Total domestic deposits to total assets | 82.7684% | 4,621 |
| Equity capital to assets | 17.0920% | 391 |
| Core capital (leverage) ratio | 17.0521% | 369 |
| Tier 1 risk-based capital ratio | 45.5642% | 165 |
| Total risk-based capital ratio | 45.8307% | 173 |
| Memoranda: | ||
| Average total assets | $143,936,400 | 3,811 |
| Average earning assets | $132,411,400 | 3,790 |
| Average equity | $24,276,200 | 2,707 |
| Average total loans | $63,514,800 | 4,498 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 4,530 |
| Cost of funding earning assets | 0.6606% | 2,260 |
| Net interest margin | 3.2333% | 4,882 |
| Noninterest income to average assets | 0.1551% | 6,257 |
| Noninterest expense to average assets | 2.4108% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6621% | 4,054 |
| Return on assets (ROA) | 0.6621% | 4,193 |
| Pretax return on assets | 0.7169% | 4,631 |
| Return on Equity (ROE) | 3.9392% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.9392% | 3,886 |
| Net charge-offs to loans | 0.0251% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 64.3319% | 709 |
| Efficiency ratio | 77.0784% | 2,551 |
| Assets per employee ($millions) | 5.3144% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2475% | 6,776 |
| Loan loss allowance to noncurrent loans | 28.8073% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 4,361 |
| Noncurrent loans to loans | 0.8592% | 4,103 |
| Net loans and leases to total assets | 44.0947% | 5,720 |
| Net loans and leases to deposits | 53.2177% | 5,613 |
| Net loans and leases to core deposits | 54.9318% | 5,700 |
| Total domestic deposits to total assets | 82.8572% | 4,632 |
| Equity capital to assets | 17.0912% | 413 |
| Core capital (leverage) ratio | 17.0919% | 383 |
| Tier 1 risk-based capital ratio | 45.0513% | 170 |
| Total risk-based capital ratio | 45.3397% | 180 |
| Memoranda: | ||
| Average total assets | $143,574,500 | 3,856 |
| Average earning assets | $131,999,750 | 3,838 |
| Average equity | $24,133,000 | 2,747 |
| Average total loans | $63,798,500 | 4,533 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 4,532 |
| Cost of funding earning assets | 0.6689% | 2,327 |
| Net interest margin | 3.2172% | 4,881 |
| Noninterest income to average assets | 0.1532% | 6,283 |
| Noninterest expense to average assets | 2.4679% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6393% | 4,116 |
| Return on assets (ROA) | 0.6393% | 4,257 |
| Pretax return on assets | 0.6462% | 4,854 |
| Return on Equity (ROE) | 3.8246% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.8246% | 3,865 |
| Net charge-offs to loans | 0.0375% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 953 |
| Efficiency ratio | 79.2487% | 2,266 |
| Assets per employee ($millions) | 5.1178% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2314% | 6,826 |
| Loan loss allowance to noncurrent loans | 32.0796% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 4,424 |
| Noncurrent loans to loans | 0.7213% | 4,485 |
| Net loans and leases to total assets | 43.6308% | 5,773 |
| Net loans and leases to deposits | 52.5550% | 5,639 |
| Net loans and leases to core deposits | 54.2457% | 5,737 |
| Total domestic deposits to total assets | 83.0193% | 4,695 |
| Equity capital to assets | 16.9374% | 422 |
| Core capital (leverage) ratio | 16.9374% | 377 |
| Tier 1 risk-based capital ratio | 44.7697% | 170 |
| Total risk-based capital ratio | 45.0372% | 180 |
| Memoranda: | ||
| Average total assets | $143,603,000 | 3,880 |
| Average earning assets | $132,165,000 | 3,863 |
| Average equity | $24,002,670 | 2,771 |
| Average total loans | $63,922,000 | 4,540 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 4,448 |
| Cost of funding earning assets | 0.6748% | 2,439 |
| Net interest margin | 3.2316% | 4,798 |
| Noninterest income to average assets | 0.1781% | 6,199 |
| Noninterest expense to average assets | 2.5961% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4814% | 4,770 |
| Return on assets (ROA) | 0.4814% | 4,930 |
| Pretax return on assets | 0.5537% | 5,102 |
| Return on Equity (ROE) | 2.8992% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.8992% | 4,548 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4205% | 1,976 |
| Assets per employee ($millions) | 4.9863% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2455% | 6,904 |
| Loan loss allowance to noncurrent loans | 25.7800% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 4,088 |
| Noncurrent loans to loans | 0.9524% | 4,234 |
| Net loans and leases to total assets | 44.1136% | 5,655 |
| Net loans and leases to deposits | 52.9250% | 5,531 |
| Net loans and leases to core deposits | 54.6007% | 5,633 |
| Total domestic deposits to total assets | 83.3511% | 4,732 |
| Equity capital to assets | 16.5708% | 483 |
| Core capital (leverage) ratio | 16.5867% | 396 |
| Tier 1 risk-based capital ratio | 43.4794% | 189 |
| Total risk-based capital ratio | 43.7640% | 200 |
| Memoranda: | ||
| Average total assets | $143,755,500 | 3,916 |
| Average earning assets | $132,196,500 | 3,894 |
| Average equity | $23,868,500 | 2,814 |
| Average total loans | $64,549,500 | 4,539 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 4,367 |
| Cost of funding earning assets | 0.8493% | 2,292 |
| Net interest margin | 3.4102% | 4,845 |
| Noninterest income to average assets | 0.0423% | 6,719 |
| Noninterest expense to average assets | 2.6418% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4780% | 4,770 |
| Return on assets (ROA) | 0.4780% | 5,020 |
| Pretax return on assets | 0.5231% | 5,214 |
| Return on Equity (ROE) | 2.8931% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.8931% | 4,198 |
| Net charge-offs to loans | 0.0740% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 14.8400% | 1,701 |
| Efficiency ratio | 83.4707% | 1,691 |
| Assets per employee ($millions) | 4.9278% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2410% | 6,959 |
| Loan loss allowance to noncurrent loans | 28.1867% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 4,076 |
| Noncurrent loans to loans | 0.8549% | 4,470 |
| Net loans and leases to total assets | 45.4806% | 5,670 |
| Net loans and leases to deposits | 54.6053% | 5,598 |
| Net loans and leases to core deposits | 56.0350% | 5,712 |
| Total domestic deposits to total assets | 83.2898% | 4,606 |
| Equity capital to assets | 16.6367% | 460 |
| Core capital (leverage) ratio | 16.6626% | 382 |
| Tier 1 risk-based capital ratio | 42.7458% | 191 |
| Total risk-based capital ratio | 43.0277% | 204 |
| Memoranda: | ||
| Average total assets | $141,833,400 | 3,917 |
| Average earning assets | $129,873,200 | 3,901 |
| Average equity | $23,435,200 | 2,806 |
| Average total loans | $67,534,400 | 4,439 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 4,436 |
| Cost of funding earning assets | 0.8843% | 2,276 |
| Net interest margin | 3.4202% | 4,963 |
| Noninterest income to average assets | 0.0320% | 6,860 |
| Noninterest expense to average assets | 2.6089% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4361% | 5,095 |
| Return on assets (ROA) | 0.4361% | 5,330 |
| Pretax return on assets | 0.5557% | 5,285 |
| Return on Equity (ROE) | 2.6437% | 5,822 |
| Retained earnings to average equity (ytd only) | 2.6437% | 4,977 |
| Net charge-offs to loans | 0.0078% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 147.5891% | 298 |
| Efficiency ratio | 82.4405% | 1,759 |
| Assets per employee ($millions) | 4.8966% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3056% | 7,055 |
| Loan loss allowance to noncurrent loans | 23.0944% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 4,024 |
| Noncurrent loans to loans | 1.3232% | 3,824 |
| Net loans and leases to total assets | 46.6367% | 5,694 |
| Net loans and leases to deposits | 55.9725% | 5,639 |
| Net loans and leases to core deposits | 57.7300% | 5,752 |
| Total domestic deposits to total assets | 83.3207% | 4,509 |
| Equity capital to assets | 16.5913% | 517 |
| Core capital (leverage) ratio | 16.6167% | 413 |
| Tier 1 risk-based capital ratio | 42.0861% | 209 |
| Total risk-based capital ratio | 42.4482% | 219 |
| Memoranda: | ||
| Average total assets | $141,565,000 | 3,963 |
| Average earning assets | $129,659,750 | 3,948 |
| Average equity | $23,350,250 | 2,839 |
| Average total loans | $68,130,000 | 4,464 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 4,379 |
| Cost of funding earning assets | 0.9152% | 2,295 |
| Net interest margin | 3.4342% | 4,952 |
| Noninterest income to average assets | 0.0099% | 6,968 |
| Noninterest expense to average assets | 2.5258% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5120% | 4,761 |
| Return on assets (ROA) | 0.5120% | 5,027 |
| Pretax return on assets | 0.6364% | 5,004 |
| Return on Equity (ROE) | 3.1099% | 5,649 |
| Retained earnings to average equity (ytd only) | 3.1099% | 4,563 |
| Net charge-offs to loans | 0.0116% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 384 |
| Efficiency ratio | 79.8748% | 2,205 |
| Assets per employee ($millions) | 4.8567% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3011% | 7,122 |
| Loan loss allowance to noncurrent loans | 23.5226% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 4,144 |
| Noncurrent loans to loans | 1.2802% | 3,999 |
| Net loans and leases to total assets | 47.7163% | 5,640 |
| Net loans and leases to deposits | 57.2858% | 5,526 |
| Net loans and leases to core deposits | 59.0952% | 5,683 |
| Total domestic deposits to total assets | 83.2951% | 4,626 |
| Equity capital to assets | 16.6566% | 488 |
| Core capital (leverage) ratio | 16.6829% | 390 |
| Tier 1 risk-based capital ratio | 41.6628% | 204 |
| Total risk-based capital ratio | 42.0228% | 217 |
| Memoranda: | ||
| Average total assets | $141,419,330 | 3,981 |
| Average earning assets | $129,812,330 | 3,967 |
| Average equity | $23,280,330 | 2,828 |
| Average total loans | $68,697,330 | 4,462 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 4,184 |
| Cost of funding earning assets | 0.9489% | 2,309 |
| Net interest margin | 3.4854% | 4,772 |
| Noninterest income to average assets | -0.0932% | 7,163 |
| Noninterest expense to average assets | 2.4530% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5194% | 4,740 |
| Return on assets (ROA) | 0.5194% | 4,951 |
| Pretax return on assets | 0.6577% | 4,915 |
| Return on Equity (ROE) | 3.1737% | 5,643 |
| Retained earnings to average equity (ytd only) | 3.1737% | 4,663 |
| Net charge-offs to loans | 0.0231% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 58.2500% | 564 |
| Efficiency ratio | 78.8566% | 2,372 |
| Assets per employee ($millions) | 4.9200% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2972% | 7,180 |
| Loan loss allowance to noncurrent loans | 22.3815% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2377% | 4,070 |
| Noncurrent loans to loans | 1.3278% | 4,122 |
| Net loans and leases to total assets | 47.7324% | 5,593 |
| Net loans and leases to deposits | 57.1092% | 5,476 |
| Net loans and leases to core deposits | 58.8289% | 5,643 |
| Total domestic deposits to total assets | 83.5809% | 4,684 |
| Equity capital to assets | 16.3189% | 525 |
| Core capital (leverage) ratio | 16.3435% | 430 |
| Tier 1 risk-based capital ratio | 41.1226% | 215 |
| Total risk-based capital ratio | 41.4806% | 223 |
| Memoranda: | ||
| Average total assets | $141,706,500 | 4,004 |
| Average earning assets | $130,258,500 | 3,985 |
| Average equity | $23,190,500 | 2,833 |
| Average total loans | $69,341,500 | 4,467 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 4,837 |
| Cost of funding earning assets | 1.2612% | 1,674 |
| Net interest margin | 3.2986% | 5,805 |
| Noninterest income to average assets | 0.0910% | 6,679 |
| Noninterest expense to average assets | 2.3150% | 6,005 |
| Loan and lease loss provision to assets | 0.0364% | 6,109 |
| Net operating income to assets | 0.6435% | 3,769 |
| Return on assets (ROA) | 0.6435% | 3,961 |
| Pretax return on assets | 0.7651% | 4,100 |
| Return on Equity (ROE) | 3.9084% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.9084% | 3,429 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2817% | 3,177 |
| Assets per employee ($millions) | 4.8528% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 7,192 |
| Loan loss allowance to noncurrent loans | 22.3214% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 3,993 |
| Noncurrent loans to loans | 1.5915% | 3,777 |
| Net loans and leases to total assets | 49.8288% | 5,605 |
| Net loans and leases to deposits | 59.6849% | 5,528 |
| Net loans and leases to core deposits | 60.1714% | 5,834 |
| Total domestic deposits to total assets | 83.4863% | 4,546 |
| Equity capital to assets | 16.4120% | 527 |
| Core capital (leverage) ratio | 16.4345% | 419 |
| Tier 1 risk-based capital ratio | 39.9727% | 229 |
| Total risk-based capital ratio | 40.4047% | 240 |
| Memoranda: | ||
| Average total assets | $137,367,400 | 4,027 |
| Average earning assets | $125,992,200 | 4,014 |
| Average equity | $22,618,000 | 2,823 |
| Average total loans | $72,899,400 | 4,383 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 4,917 |
| Cost of funding earning assets | 1.2973% | 1,723 |
| Net interest margin | 3.2891% | 5,890 |
| Noninterest income to average assets | 0.0693% | 6,879 |
| Noninterest expense to average assets | 2.3350% | 5,947 |
| Loan and lease loss provision to assets | 0.0244% | 6,147 |
| Net operating income to assets | 0.6006% | 4,085 |
| Return on assets (ROA) | 0.6006% | 4,264 |
| Pretax return on assets | 0.7256% | 4,391 |
| Return on Equity (ROE) | 3.6446% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.6446% | 4,158 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6885% | 2,887 |
| Assets per employee ($millions) | 4.7194% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3133% | 7,281 |
| Loan loss allowance to noncurrent loans | 30.7377% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 4,927 |
| Noncurrent loans to loans | 1.0194% | 4,853 |
| Net loans and leases to total assets | 52.3038% | 5,412 |
| Net loans and leases to deposits | 62.8255% | 5,315 |
| Net loans and leases to core deposits | 63.2826% | 5,694 |
| Total domestic deposits to total assets | 83.2525% | 4,585 |
| Equity capital to assets | 16.6803% | 520 |
| Core capital (leverage) ratio | 16.7027% | 423 |
| Tier 1 risk-based capital ratio | 39.6442% | 261 |
| Total risk-based capital ratio | 40.0343% | 269 |
| Memoranda: | ||
| Average total assets | $136,526,250 | 4,069 |
| Average earning assets | $125,177,750 | 4,061 |
| Average equity | $22,498,250 | 2,832 |
| Average total loans | $73,530,500 | 4,401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 5,198 |
| Cost of funding earning assets | 1.3274% | 1,781 |
| Net interest margin | 3.2161% | 6,114 |
| Noninterest income to average assets | 0.0454% | 7,065 |
| Noninterest expense to average assets | 2.3429% | 6,020 |
| Loan and lease loss provision to assets | 0.0367% | 5,861 |
| Net operating income to assets | 0.4868% | 4,557 |
| Return on assets (ROA) | 0.4868% | 4,702 |
| Pretax return on assets | 0.6143% | 4,700 |
| Return on Equity (ROE) | 2.9659% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.9659% | 4,393 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2566% | 2,671 |
| Assets per employee ($millions) | 4.7300% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3082% | 7,343 |
| Loan loss allowance to noncurrent loans | 28.8832% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 5,146 |
| Noncurrent loans to loans | 1.0669% | 4,881 |
| Net loans and leases to total assets | 53.0634% | 5,425 |
| Net loans and leases to deposits | 63.5422% | 5,335 |
| Net loans and leases to core deposits | 64.0009% | 5,717 |
| Total domestic deposits to total assets | 83.5088% | 4,546 |
| Equity capital to assets | 16.4395% | 549 |
| Core capital (leverage) ratio | 16.4588% | 458 |
| Tier 1 risk-based capital ratio | 38.7627% | 261 |
| Total risk-based capital ratio | 39.1489% | 273 |
| Memoranda: | ||
| Average total assets | $136,414,330 | 4,097 |
| Average earning assets | $125,059,330 | 4,090 |
| Average equity | $22,388,000 | 2,829 |
| Average total loans | $74,104,330 | 4,428 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5840% | 5,015 |
| Cost of funding earning assets | 1.3424% | 1,932 |
| Net interest margin | 3.2416% | 5,951 |
| Noninterest income to average assets | 0.0735% | 7,021 |
| Noninterest expense to average assets | 2.3847% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5263% | 4,373 |
| Return on assets (ROA) | 0.5263% | 4,457 |
| Pretax return on assets | 0.6498% | 4,489 |
| Return on Equity (ROE) | 3.2098% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.2098% | 4,248 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5853% | 2,754 |
| Assets per employee ($millions) | 4.7407% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2713% | 7,418 |
| Loan loss allowance to noncurrent loans | 18.8147% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 4,808 |
| Noncurrent loans to loans | 1.4421% | 4,305 |
| Net loans and leases to total assets | 53.4718% | 5,384 |
| Net loans and leases to deposits | 63.9488% | 5,259 |
| Net loans and leases to core deposits | 64.2484% | 5,695 |
| Total domestic deposits to total assets | 83.6165% | 4,660 |
| Equity capital to assets | 16.2918% | 527 |
| Core capital (leverage) ratio | 16.3086% | 453 |
| Tier 1 risk-based capital ratio | 38.1531% | 269 |
| Total risk-based capital ratio | 38.4933% | 286 |
| Memoranda: | ||
| Average total assets | $136,036,500 | 4,134 |
| Average earning assets | $124,259,000 | 4,135 |
| Average equity | $22,307,000 | 2,830 |
| Average total loans | $74,650,500 | 4,438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 5,404 |
| Cost of funding earning assets | 1.6344% | 1,891 |
| Net interest margin | 3.1669% | 6,347 |
| Noninterest income to average assets | 0.0592% | 7,069 |
| Noninterest expense to average assets | 2.3686% | 6,170 |
| Loan and lease loss provision to assets | 0.0607% | 6,538 |
| Net operating income to assets | 0.3785% | 4,645 |
| Return on assets (ROA) | 0.3785% | 4,790 |
| Pretax return on assets | 0.5279% | 4,532 |
| Return on Equity (ROE) | 2.2695% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.2695% | 4,296 |
| Net charge-offs to loans | 0.1038% | 5,828 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 9.7000% | 1,795 |
| Efficiency ratio | 80.0975% | 2,401 |
| Assets per employee ($millions) | 4.6411% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2646% | 7,498 |
| Loan loss allowance to noncurrent loans | 18.2315% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 4,793 |
| Noncurrent loans to loans | 1.4513% | 4,306 |
| Net loans and leases to total assets | 56.0118% | 5,346 |
| Net loans and leases to deposits | 67.1464% | 5,226 |
| Net loans and leases to core deposits | 67.4679% | 5,716 |
| Total domestic deposits to total assets | 83.4174% | 4,641 |
| Equity capital to assets | 16.5061% | 511 |
| Core capital (leverage) ratio | 16.5278% | 447 |
| Tier 1 risk-based capital ratio | 37.9005% | 278 |
| Total risk-based capital ratio | 38.2412% | 291 |
| Memoranda: | ||
| Average total assets | $131,852,000 | 4,223 |
| Average earning assets | $120,653,000 | 4,212 |
| Average equity | $21,987,400 | 2,875 |
| Average total loans | $77,091,000 | 4,418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 5,598 |
| Cost of funding earning assets | 1.6857% | 1,946 |
| Net interest margin | 3.1295% | 6,539 |
| Noninterest income to average assets | 0.0691% | 7,187 |
| Noninterest expense to average assets | 2.3908% | 6,060 |
| Loan and lease loss provision to assets | 0.0610% | 6,455 |
| Net operating income to assets | 0.3680% | 4,897 |
| Return on assets (ROA) | 0.3680% | 5,074 |
| Pretax return on assets | 0.4838% | 4,984 |
| Return on Equity (ROE) | 2.2008% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.2008% | 4,852 |
| Net charge-offs to loans | 0.1033% | 5,500 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 8.9331% | 2,090 |
| Efficiency ratio | 81.4404% | 2,138 |
| Assets per employee ($millions) | 4.5774% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2610% | 7,614 |
| Loan loss allowance to noncurrent loans | 15.6986% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 4,571 |
| Noncurrent loans to loans | 1.6628% | 4,152 |
| Net loans and leases to total assets | 57.5675% | 5,326 |
| Net loans and leases to deposits | 69.1040% | 5,259 |
| Net loans and leases to core deposits | 69.2675% | 5,827 |
| Total domestic deposits to total assets | 83.3056% | 4,456 |
| Equity capital to assets | 16.6424% | 567 |
| Core capital (leverage) ratio | 16.6554% | 472 |
| Tier 1 risk-based capital ratio | 37.4653% | 296 |
| Total risk-based capital ratio | 37.8041% | 309 |
| Memoranda: | ||
| Average total assets | $131,166,750 | 4,296 |
| Average earning assets | $120,144,000 | 4,282 |
| Average equity | $21,930,250 | 2,926 |
| Average total loans | $77,466,750 | 4,483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 5,637 |
| Cost of funding earning assets | 1.7290% | 1,976 |
| Net interest margin | 3.1118% | 6,575 |
| Noninterest income to average assets | 0.1118% | 7,047 |
| Noninterest expense to average assets | 2.4020% | 6,067 |
| Loan and lease loss provision to assets | 0.0919% | 6,002 |
| Net operating income to assets | 0.3506% | 4,972 |
| Return on assets (ROA) | 0.3506% | 5,136 |
| Pretax return on assets | 0.4669% | 5,012 |
| Return on Equity (ROE) | 2.0936% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.0936% | 4,808 |
| Net charge-offs to loans | 0.1543% | 4,709 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 6.0833% | 2,532 |
| Efficiency ratio | 81.1272% | 2,283 |
| Assets per employee ($millions) | 4.5421% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2607% | 7,681 |
| Loan loss allowance to noncurrent loans | 15.0716% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 4,461 |
| Noncurrent loans to loans | 1.7300% | 4,094 |
| Net loans and leases to total assets | 58.0823% | 5,407 |
| Net loans and leases to deposits | 69.7411% | 5,319 |
| Net loans and leases to core deposits | 69.9068% | 5,881 |
| Total domestic deposits to total assets | 83.2827% | 4,446 |
| Equity capital to assets | 16.6732% | 575 |
| Core capital (leverage) ratio | 16.6840% | 477 |
| Tier 1 risk-based capital ratio | 37.2011% | 297 |
| Total risk-based capital ratio | 37.5396% | 312 |
| Memoranda: | ||
| Average total assets | $130,640,670 | 4,337 |
| Average earning assets | $119,608,330 | 4,322 |
| Average equity | $21,876,330 | 2,933 |
| Average total loans | $77,749,670 | 4,515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 5,351 |
| Cost of funding earning assets | 1.7982% | 1,882 |
| Net interest margin | 3.1226% | 6,539 |
| Noninterest income to average assets | 0.1476% | 6,916 |
| Noninterest expense to average assets | 2.4443% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4151% | 4,770 |
| Return on assets (ROA) | 0.4151% | 4,916 |
| Pretax return on assets | 0.5596% | 4,756 |
| Return on Equity (ROE) | 2.4733% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.4733% | 4,651 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3715% | 2,368 |
| Assets per employee ($millions) | 4.5040% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2574% | 7,785 |
| Loan loss allowance to noncurrent loans | 11.6144% | 7,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4523% | 4,326 |
| Noncurrent loans to loans | 2.2158% | 3,506 |
| Net loans and leases to total assets | 59.3453% | 5,232 |
| Net loans and leases to deposits | 71.3792% | 5,143 |
| Net loans and leases to core deposits | 71.5492% | 5,765 |
| Total domestic deposits to total assets | 83.1408% | 4,551 |
| Equity capital to assets | 16.7643% | 557 |
| Core capital (leverage) ratio | 16.7585% | 476 |
| Tier 1 risk-based capital ratio | 36.9077% | 312 |
| Total risk-based capital ratio | 37.2449% | 322 |
| Memoranda: | ||
| Average total assets | $130,101,000 | 4,412 |
| Average earning assets | $119,005,000 | 4,401 |
| Average equity | $21,833,500 | 2,966 |
| Average total loans | $78,271,500 | 4,570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 5,976 |
| Cost of funding earning assets | 2.2038% | 2,015 |
| Net interest margin | 2.9223% | 6,818 |
| Noninterest income to average assets | 0.1381% | 7,057 |
| Noninterest expense to average assets | 2.4268% | 6,384 |
| Loan and lease loss provision to assets | 0.0452% | 7,108 |
| Net operating income to assets | 0.2540% | 4,707 |
| Return on assets (ROA) | 0.2540% | 4,793 |
| Pretax return on assets | 0.3420% | 4,662 |
| Return on Equity (ROE) | 1.4806% | 5,096 |
| Retained earnings to average equity (ytd only) | 1.4806% | 4,030 |
| Net charge-offs to loans | 0.0088% | 7,111 |
| Credit loss provision to net charge-offs | 814.2857% | 358 |
| Earnings coverage of net charge-offs (x) | 69.7143% | 389 |
| Efficiency ratio | 86.2380% | 2,083 |
| Assets per employee ($millions) | 4.4684% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2537% | 7,857 |
| Loan loss allowance to noncurrent loans | 12.5707% | 7,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2710% | 4,547 |
| Noncurrent loans to loans | 2.0183% | 3,625 |
| Net loans and leases to total assets | 60.6768% | 5,239 |
| Net loans and leases to deposits | 73.0092% | 5,190 |
| Net loans and leases to core deposits | 84.6764% | 5,659 |
| Total domestic deposits to total assets | 83.1084% | 4,476 |
| Equity capital to assets | 16.7998% | 579 |
| Core capital (leverage) ratio | 16.7895% | 514 |
| Tier 1 risk-based capital ratio | 36.5734% | 316 |
| Total risk-based capital ratio | 36.9096% | 325 |
| Memoranda: | ||
| Average total assets | $126,008,800 | 4,430 |
| Average earning assets | $115,389,000 | 4,409 |
| Average equity | $21,613,400 | 2,999 |
| Average total loans | $79,643,000 | 4,525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2009% | 5,872 |
| Cost of funding earning assets | 2.2647% | 2,130 |
| Net interest margin | 2.9362% | 6,761 |
| Noninterest income to average assets | 0.1449% | 7,140 |
| Noninterest expense to average assets | 2.4553% | 6,228 |
| Loan and lease loss provision to assets | 0.0437% | 6,932 |
| Net operating income to assets | 0.2952% | 4,805 |
| Return on assets (ROA) | 0.2952% | 4,914 |
| Pretax return on assets | 0.3346% | 4,969 |
| Return on Equity (ROE) | 1.7119% | 5,260 |
| Retained earnings to average equity (ytd only) | 1.7119% | 4,354 |
| Net charge-offs to loans | 0.0117% | 6,771 |
| Credit loss provision to net charge-offs | 585.7143% | 659 |
| Earnings coverage of net charge-offs (x) | 50.7310% | 625 |
| Efficiency ratio | 86.6491% | 2,001 |
| Assets per employee ($millions) | 4.3680% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2306% | 7,956 |
| Loan loss allowance to noncurrent loans | 11.1515% | 7,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3468% | 4,398 |
| Noncurrent loans to loans | 2.0682% | 3,538 |
| Net loans and leases to total assets | 62.8366% | 5,100 |
| Net loans and leases to deposits | 75.9108% | 5,063 |
| Net loans and leases to core deposits | 88.9094% | 5,541 |
| Total domestic deposits to total assets | 82.7769% | 4,334 |
| Equity capital to assets | 17.1599% | 610 |
| Core capital (leverage) ratio | 17.1435% | 532 |
| Tier 1 risk-based capital ratio | 36.7004% | 340 |
| Total risk-based capital ratio | 37.0114% | 357 |
| Memoranda: | ||
| Average total assets | $125,114,750 | 4,474 |
| Average earning assets | $114,566,000 | 4,462 |
| Average equity | $21,574,250 | 3,024 |
| Average total loans | $79,846,750 | 4,553 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 5,835 |
| Cost of funding earning assets | 2.3199% | 2,276 |
| Net interest margin | 2.9376% | 6,714 |
| Noninterest income to average assets | 0.1397% | 7,258 |
| Noninterest expense to average assets | 2.4720% | 6,215 |
| Loan and lease loss provision to assets | 0.0385% | 6,853 |
| Net operating income to assets | 0.2873% | 4,956 |
| Return on assets (ROA) | 0.2873% | 5,056 |
| Pretax return on assets | 0.3162% | 5,177 |
| Return on Equity (ROE) | 1.6636% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.6636% | 4,413 |
| Net charge-offs to loans | 0.0175% | 6,276 |
| Credit loss provision to net charge-offs | 342.8571% | 1,349 |
| Earnings coverage of net charge-offs (x) | 31.5714% | 957 |
| Efficiency ratio | 87.4503% | 2,079 |
| Assets per employee ($millions) | 4.3374% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2112% | 8,059 |
| Loan loss allowance to noncurrent loans | 12.2255% | 7,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 4,789 |
| Noncurrent loans to loans | 1.7277% | 3,919 |
| Net loans and leases to total assets | 62.7242% | 5,233 |
| Net loans and leases to deposits | 75.7991% | 5,203 |
| Net loans and leases to core deposits | 88.3564% | 5,688 |
| Total domestic deposits to total assets | 82.7506% | 4,358 |
| Equity capital to assets | 17.1715% | 641 |
| Core capital (leverage) ratio | 17.1784% | 594 |
| Tier 1 risk-based capital ratio | 36.9015% | 373 |
| Total risk-based capital ratio | 37.1867% | 392 |
| Memoranda: | ||
| Average total assets | $124,595,330 | 4,518 |
| Average earning assets | $113,969,330 | 4,516 |
| Average equity | $21,520,000 | 3,029 |
| Average total loans | $79,868,670 | 4,586 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 5,598 |
| Cost of funding earning assets | 2.3919% | 2,327 |
| Net interest margin | 2.9723% | 6,553 |
| Noninterest income to average assets | 0.1387% | 7,307 |
| Noninterest expense to average assets | 2.4774% | 5,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3645% | 4,996 |
| Return on assets (ROA) | 0.3645% | 5,181 |
| Pretax return on assets | 0.3871% | 5,435 |
| Return on Equity (ROE) | 2.1042% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.1042% | 4,697 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4865% | 2,017 |
| Assets per employee ($millions) | 4.3315% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1874% | 8,119 |
| Loan loss allowance to noncurrent loans | 12.6582% | 7,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 4,748 |
| Noncurrent loans to loans | 1.4802% | 4,083 |
| Net loans and leases to total assets | 63.6152% | 5,052 |
| Net loans and leases to deposits | 76.8282% | 5,109 |
| Net loans and leases to core deposits | 89.1593% | 5,633 |
| Total domestic deposits to total assets | 82.8019% | 4,242 |
| Equity capital to assets | 17.1463% | 707 |
| Core capital (leverage) ratio | 17.1504% | 637 |
| Tier 1 risk-based capital ratio | 36.4324% | 395 |
| Total risk-based capital ratio | 36.6860% | 410 |
| Memoranda: | ||
| Average total assets | $124,001,000 | 4,542 |
| Average earning assets | $113,715,500 | 4,540 |
| Average equity | $21,480,500 | 3,045 |
| Average total loans | $80,271,000 | 4,606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 7,394 |
| Cost of funding earning assets | 2.8342% | 2,561 |
| Net interest margin | 2.6161% | 7,625 |
| Noninterest income to average assets | 0.1862% | 7,114 |
| Noninterest expense to average assets | 2.4241% | 6,318 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1365% | 6,013 |
| Return on assets (ROA) | 0.0838% | 5,989 |
| Pretax return on assets | 0.0975% | 5,949 |
| Return on Equity (ROE) | 0.4772% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.4772% | 4,957 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8534% | 1,284 |
| Assets per employee ($millions) | 4.2203% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1342% | 8,202 |
| Loan loss allowance to noncurrent loans | 8.6747% | 7,518 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 4,189 |
| Noncurrent loans to loans | 1.5469% | 3,474 |
| Net loans and leases to total assets | 65.6718% | 4,916 |
| Net loans and leases to deposits | 79.6739% | 5,105 |
| Net loans and leases to core deposits | 91.8540% | 5,656 |
| Total domestic deposits to total assets | 82.4257% | 4,034 |
| Equity capital to assets | 17.5040% | 716 |
| Core capital (leverage) ratio | 17.5095% | 647 |
| Tier 1 risk-based capital ratio | 36.6547% | 404 |
| Total risk-based capital ratio | 36.8394% | 419 |
| Memoranda: | ||
| Average total assets | $124,085,400 | 4,418 |
| Average earning assets | $113,681,200 | 4,428 |
| Average equity | $21,793,600 | 3,004 |
| Average total loans | $80,357,000 | 4,505 |