Home > The First State Bank of Malta > Performance and Condition Ratios
The First State Bank of Malta, 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 | 3.9426% | 4,040 |
| Cost of funding earning assets | 1.7202% | 1,406 |
| Net interest margin | 2.2224% | 4,301 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.6253% | 4,222 |
| Loan and lease loss provision to assets | -0.9200% | 4,593 |
| Net operating income to assets | 1.2371% | 1,565 |
| Return on assets (ROA) | 1.0395% | 2,073 |
| Pretax return on assets | 1.3489% | 1,744 |
| Return on Equity (ROE) | 9.0900% | 2,730 |
| Retained earnings to average equity (ytd only) | 5.3449% | 2,469 |
| Net charge-offs to loans | -0.2308% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.4479% | 1,820 |
| Assets per employee ($millions) | 9.5657% | 807 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8417% | 139 |
| Loan loss allowance to noncurrent loans | 74.2191% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.3201% | 312 |
| Noncurrent loans to loans | 3.8288% | 91 |
| Net loans and leases to total assets | 33.5000% | 4,222 |
| Net loans and leases to deposits | 38.3012% | 4,234 |
| Net loans and leases to core deposits | 41.1335% | 4,271 |
| Total domestic deposits to total assets | 87.4600% | 1,536 |
| Equity capital to assets | 11.9123% | 1,159 |
| Core capital (leverage) ratio | 16.2397% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $163,537,600 | 3,248 |
| Average earning assets | $157,485,800 | 3,185 |
| Average equity | $18,709,400 | 2,965 |
| Average total loans | $60,236,400 | 3,705 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,177 |
| Cost of funding earning assets | 1.5983% | 1,374 |
| Net interest margin | 2.1325% | 4,392 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.6268% | 4,209 |
| Loan and lease loss provision to assets | -1.2400% | 4,622 |
| Net operating income to assets | 1.3953% | 1,330 |
| Return on assets (ROA) | 1.4070% | 1,291 |
| Pretax return on assets | 1.8482% | 928 |
| Return on Equity (ROE) | 12.4400% | 2,019 |
| Retained earnings to average equity (ytd only) | 7.3241% | 2,192 |
| Net charge-offs to loans | -0.3110% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.2515% | 1,419 |
| Assets per employee ($millions) | 8.7865% | 1,010 |
| Cash dividends to net income (ytd only)* | 41.1039% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5909% | 178 |
| Loan loss allowance to noncurrent loans | 37.4004% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8554% | 78 |
| Noncurrent loans to loans | 6.9274% | 26 |
| Net loans and leases to total assets | 40.1500% | 4,050 |
| Net loans and leases to deposits | 45.5495% | 4,064 |
| Net loans and leases to core deposits | 49.1894% | 4,060 |
| Total domestic deposits to total assets | 88.1500% | 1,516 |
| Equity capital to assets | 11.2060% | 1,275 |
| Core capital (leverage) ratio | 16.7757% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,376,250 | 3,275 |
| Average earning assets | $155,241,750 | 3,214 |
| Average equity | $18,259,000 | 2,982 |
| Average total loans | $60,454,000 | 3,708 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 4,231 |
| Cost of funding earning assets | 1.3886% | 1,477 |
| Net interest margin | 2.2347% | 4,396 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.5611% | 4,289 |
| Loan and lease loss provision to assets | -1.8500% | 4,651 |
| Net operating income to assets | 1.9639% | 492 |
| Return on assets (ROA) | 1.9785% | 485 |
| Pretax return on assets | 2.6260% | 302 |
| Return on Equity (ROE) | 17.4300% | 1,029 |
| Retained earnings to average equity (ytd only) | 9.8386% | 1,452 |
| Net charge-offs to loans | -0.4518% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.2322% | 2,077 |
| Assets per employee ($millions) | 8.4319% | 1,128 |
| Cash dividends to net income (ytd only)* | 43.5594% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6481% | 181 |
| Loan loss allowance to noncurrent loans | 37.2232% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.8189% | 81 |
| Noncurrent loans to loans | 7.1142% | 23 |
| Net loans and leases to total assets | 38.5700% | 4,089 |
| Net loans and leases to deposits | 44.0807% | 4,089 |
| Net loans and leases to core deposits | 47.4614% | 4,089 |
| Total domestic deposits to total assets | 87.5100% | 1,779 |
| Equity capital to assets | 11.9740% | 1,058 |
| Core capital (leverage) ratio | 16.8556% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $162,449,333 | 3,269 |
| Average earning assets | $156,709,000 | 3,212 |
| Average equity | $18,437,667 | 2,989 |
| Average total loans | $58,875,333 | 3,737 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 4,210 |
| Cost of funding earning assets | 1.1543% | 1,579 |
| Net interest margin | 2.4022% | 4,382 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.4844% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7793% | 3,261 |
| Return on assets (ROA) | 0.7948% | 3,161 |
| Pretax return on assets | 1.0197% | 2,936 |
| Return on Equity (ROE) | 7.2000% | 3,476 |
| Retained earnings to average equity (ytd only) | -8.3033% | 4,441 |
| Net charge-offs to loans | -0.9121% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.7441% | 2,989 |
| Assets per employee ($millions) | 8.0086% | 1,336 |
| Cash dividends to net income (ytd only)* | 215.3846% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5254% | 32 |
| Loan loss allowance to noncurrent loans | 69.6405% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 2.8482% | 60 |
| Noncurrent loans to loans | 7.9342% | 19 |
| Net loans and leases to total assets | 33.9100% | 4,263 |
| Net loans and leases to deposits | 38.4437% | 4,268 |
| Net loans and leases to core deposits | 41.3408% | 4,234 |
| Total domestic deposits to total assets | 88.2200% | 1,847 |
| Equity capital to assets | 11.4858% | 1,158 |
| Core capital (leverage) ratio | 15.6281% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $163,571,000 | 3,307 |
| Average earning assets | $158,020,000 | 3,249 |
| Average equity | $18,065,000 | 3,045 |
| Average total loans | $56,573,500 | 3,813 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 3,478 |
| Cost of funding earning assets | 0.5763% | 989 |
| Net interest margin | 2.7702% | 3,942 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.6325% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9454% | 2,790 |
| Return on assets (ROA) | 0.9387% | 2,763 |
| Pretax return on assets | 1.2174% | 2,382 |
| Return on Equity (ROE) | 8.0900% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.4779% | 2,842 |
| Net charge-offs to loans | -0.7729% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1126% | 3,454 |
| Assets per employee ($millions) | 8.3485% | 1,168 |
| Cash dividends to net income (ytd only)* | 32.2789% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4772% | 30 |
| Loan loss allowance to noncurrent loans | 66.3763% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 2.7502% | 63 |
| Noncurrent loans to loans | 8.2517% | 20 |
| Net loans and leases to total assets | 31.5000% | 4,352 |
| Net loans and leases to deposits | 35.3606% | 4,359 |
| Net loans and leases to core deposits | 38.0703% | 4,331 |
| Total domestic deposits to total assets | 89.0900% | 1,691 |
| Equity capital to assets | 10.6205% | 1,401 |
| Core capital (leverage) ratio | 15.8240% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,023,400 | 3,307 |
| Average earning assets | $160,169,400 | 3,242 |
| Average equity | $19,149,800 | 3,024 |
| Average total loans | $58,742,000 | 3,753 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7930% | 4,204 |
| Cost of funding earning assets | 0.4936% | 771 |
| Net interest margin | 2.2995% | 4,406 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.6361% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6094% | 3,808 |
| Return on assets (ROA) | 0.6005% | 3,788 |
| Pretax return on assets | 0.7585% | 3,672 |
| Return on Equity (ROE) | 5.0700% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.6475% | 4,098 |
| Net charge-offs to loans | -0.5623% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0027% | 2,027 |
| Assets per employee ($millions) | 7.8812% | 1,383 |
| Cash dividends to net income (ytd only)* | 67.4764% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5454% | 50 |
| Loan loss allowance to noncurrent loans | 44.4601% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 4.0597% | 25 |
| Noncurrent loans to loans | 10.2235% | 11 |
| Net loans and leases to total assets | 37.9000% | 4,152 |
| Net loans and leases to deposits | 42.2284% | 4,174 |
| Net loans and leases to core deposits | 45.5121% | 4,133 |
| Total domestic deposits to total assets | 89.7600% | 1,758 |
| Equity capital to assets | 10.0341% | 1,603 |
| Core capital (leverage) ratio | 15.1896% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $164,536,750 | 3,333 |
| Average earning assets | $159,917,750 | 3,265 |
| Average equity | $19,504,000 | 3,038 |
| Average total loans | $59,515,250 | 3,755 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5783% | 4,294 |
| Cost of funding earning assets | 0.3843% | 1,026 |
| Net interest margin | 2.1940% | 4,439 |
| Noninterest income to average assets | 0.1714% | 4,148 |
| Noninterest expense to average assets | 1.6303% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5457% | 3,779 |
| Return on assets (ROA) | 0.5322% | 3,769 |
| Pretax return on assets | 0.6665% | 3,666 |
| Return on Equity (ROE) | 4.2830% | 3,967 |
| Retained earnings to average equity (ytd only) | -0.5402% | 4,244 |
| Net charge-offs to loans | -0.2120% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4663% | 1,891 |
| Assets per employee ($millions) | 7.9376% | 1,341 |
| Cash dividends to net income (ytd only)* | 112.6126% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2988% | 58 |
| Loan loss allowance to noncurrent loans | 38.6047% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 4.1274% | 27 |
| Noncurrent loans to loans | 11.1354% | 10 |
| Net loans and leases to total assets | 35.4726% | 4,273 |
| Net loans and leases to deposits | 39.8331% | 4,272 |
| Net loans and leases to core deposits | 43.2910% | 4,214 |
| Total domestic deposits to total assets | 89.0533% | 2,161 |
| Equity capital to assets | 10.8243% | 1,296 |
| Core capital (leverage) ratio | 14.6509% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,841,333 | 3,356 |
| Average earning assets | $162,900,000 | 3,292 |
| Average equity | $20,733,333 | 2,997 |
| Average total loans | $58,490,000 | 3,814 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4359% | 4,340 |
| Cost of funding earning assets | 0.3473% | 1,232 |
| Net interest margin | 2.0886% | 4,455 |
| Noninterest income to average assets | 0.1701% | 4,149 |
| Noninterest expense to average assets | 1.6391% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4728% | 3,782 |
| Return on assets (ROA) | 0.4649% | 3,765 |
| Pretax return on assets | 0.5679% | 3,711 |
| Return on Equity (ROE) | 3.5147% | 3,993 |
| Retained earnings to average equity (ytd only) | -5.5439% | 4,436 |
| Net charge-offs to loans | -0.1970% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9459% | 1,746 |
| Assets per employee ($millions) | 8.2362% | 1,235 |
| Cash dividends to net income (ytd only)* | 257.7320% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4906% | 54 |
| Loan loss allowance to noncurrent loans | 37.8628% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 4.2040% | 34 |
| Noncurrent loans to loans | 11.8603% | 12 |
| Net loans and leases to total assets | 33.8544% | 4,313 |
| Net loans and leases to deposits | 38.5561% | 4,302 |
| Net loans and leases to core deposits | 41.5590% | 4,258 |
| Total domestic deposits to total assets | 87.8056% | 2,620 |
| Equity capital to assets | 12.0779% | 930 |
| Core capital (leverage) ratio | 14.2871% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,917,500 | 3,371 |
| Average earning assets | $163,552,500 | 3,294 |
| Average equity | $22,078,500 | 2,981 |
| Average total loans | $56,842,500 | 3,850 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9796% | 3,905 |
| Cost of funding earning assets | 0.3835% | 1,654 |
| Net interest margin | 2.5961% | 4,054 |
| Noninterest income to average assets | 0.1673% | 4,321 |
| Noninterest expense to average assets | 1.5575% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9005% | 3,044 |
| Return on assets (ROA) | 0.9135% | 3,055 |
| Pretax return on assets | 1.1690% | 2,766 |
| Return on Equity (ROE) | 6.2073% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.2073% | 2,269 |
| Net charge-offs to loans | 0.5227% | 156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 5.4680% | 2,444 |
| Efficiency ratio | 57.4723% | 3,526 |
| Assets per employee ($millions) | 8.4556% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6910% | 48 |
| Loan loss allowance to noncurrent loans | 25.7546% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 5.9558% | 17 |
| Noncurrent loans to loans | 18.2144% | 4 |
| Net loans and leases to total assets | 31.1646% | 4,476 |
| Net loans and leases to deposits | 36.4492% | 4,462 |
| Net loans and leases to core deposits | 38.6817% | 4,432 |
| Total domestic deposits to total assets | 85.5013% | 3,093 |
| Equity capital to assets | 14.3467% | 606 |
| Core capital (leverage) ratio | 14.3597% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,213,200 | 3,364 |
| Average earning assets | $159,853,000 | 3,279 |
| Average equity | $24,020,200 | 2,912 |
| Average total loans | $65,818,000 | 3,728 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 3,577 |
| Cost of funding earning assets | 0.3951% | 1,728 |
| Net interest margin | 2.8205% | 3,732 |
| Noninterest income to average assets | 0.1657% | 4,375 |
| Noninterest expense to average assets | 1.5374% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0792% | 2,629 |
| Return on assets (ROA) | 1.0923% | 2,641 |
| Pretax return on assets | 1.4047% | 2,314 |
| Return on Equity (ROE) | 7.3733% | 3,568 |
| Retained earnings to average equity (ytd only) | 7.3733% | 2,281 |
| Net charge-offs to loans | 0.2785% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 11.7762% | 1,983 |
| Efficiency ratio | 52.5500% | 3,977 |
| Assets per employee ($millions) | 8.4810% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3181% | 58 |
| Loan loss allowance to noncurrent loans | 23.7141% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 7.3117% | 11 |
| Noncurrent loans to loans | 18.2088% | 4 |
| Net loans and leases to total assets | 38.4209% | 4,280 |
| Net loans and leases to deposits | 45.4383% | 4,254 |
| Net loans and leases to core deposits | 47.8362% | 4,248 |
| Total domestic deposits to total assets | 84.5562% | 3,278 |
| Equity capital to assets | 15.1708% | 517 |
| Core capital (leverage) ratio | 14.9700% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,738,500 | 3,414 |
| Average earning assets | $158,263,250 | 3,326 |
| Average equity | $23,959,750 | 2,945 |
| Average total loans | $68,448,250 | 3,732 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0091% | 4,028 |
| Cost of funding earning assets | 0.4068% | 1,828 |
| Net interest margin | 2.6023% | 4,163 |
| Noninterest income to average assets | 0.1655% | 4,373 |
| Noninterest expense to average assets | 1.5512% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8936% | 3,242 |
| Return on assets (ROA) | 0.9053% | 3,281 |
| Pretax return on assets | 1.1733% | 2,982 |
| Return on Equity (ROE) | 6.1603% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.1603% | 2,739 |
| Net charge-offs to loans | 0.0517% | 1,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 52.1111% | 1,043 |
| Efficiency ratio | 57.2470% | 3,368 |
| Assets per employee ($millions) | 8.1876% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3515% | 55 |
| Loan loss allowance to noncurrent loans | 22.9542% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 7.7685% | 10 |
| Noncurrent loans to loans | 18.9571% | 3 |
| Net loans and leases to total assets | 39.1961% | 4,322 |
| Net loans and leases to deposits | 46.2507% | 4,300 |
| Net loans and leases to core deposits | 48.8879% | 4,286 |
| Total domestic deposits to total assets | 84.7470% | 3,201 |
| Equity capital to assets | 14.6924% | 579 |
| Core capital (leverage) ratio | 14.4912% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,938,333 | 3,417 |
| Average earning assets | $158,320,000 | 3,328 |
| Average equity | $23,797,667 | 2,951 |
| Average total loans | $69,696,000 | 3,731 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0183% | 4,037 |
| Cost of funding earning assets | 0.4203% | 1,936 |
| Net interest margin | 2.5980% | 4,158 |
| Noninterest income to average assets | 0.1764% | 4,313 |
| Noninterest expense to average assets | 1.5450% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9446% | 2,989 |
| Return on assets (ROA) | 0.9688% | 3,004 |
| Pretax return on assets | 1.1948% | 2,858 |
| Return on Equity (ROE) | 6.5915% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.5915% | 2,698 |
| Net charge-offs to loans | 0.8508% | 95 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.1060% | 1,781 |
| Efficiency ratio | 57.0119% | 3,424 |
| Assets per employee ($millions) | 8.1152% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0125% | 72 |
| Loan loss allowance to noncurrent loans | 20.9817% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 8.1841% | 11 |
| Noncurrent loans to loans | 19.1238% | 4 |
| Net loans and leases to total assets | 41.0781% | 4,289 |
| Net loans and leases to deposits | 48.3239% | 4,254 |
| Net loans and leases to core deposits | 51.0940% | 4,238 |
| Total domestic deposits to total assets | 85.0058% | 3,089 |
| Equity capital to assets | 14.5179% | 564 |
| Core capital (leverage) ratio | 14.6082% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,032,000 | 3,423 |
| Average earning assets | $157,043,000 | 3,339 |
| Average equity | $23,667,000 | 2,952 |
| Average total loans | $70,992,000 | 3,714 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3633% | 4,248 |
| Cost of funding earning assets | 0.7137% | 1,652 |
| Net interest margin | 2.6495% | 4,439 |
| Noninterest income to average assets | 0.1822% | 4,375 |
| Noninterest expense to average assets | 1.6602% | 4,653 |
| Loan and lease loss provision to assets | 1.0045% | 95 |
| Net operating income to assets | 0.5152% | 3,997 |
| Return on assets (ROA) | 0.5309% | 4,050 |
| Pretax return on assets | 0.1119% | 4,697 |
| Return on Equity (ROE) | 3.3984% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.3984% | 3,123 |
| Net charge-offs to loans | 1.4566% | 71 |
| Credit loss provision to net charge-offs | 121.5524% | 2,621 |
| Earnings coverage of net charge-offs (x) | 1.3320% | 3,265 |
| Efficiency ratio | 60.1335% | 3,437 |
| Assets per employee ($millions) | 7.6077% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0510% | 68 |
| Loan loss allowance to noncurrent loans | 15.4575% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 11.8971% | 4 |
| Noncurrent loans to loans | 26.2072% | 2 |
| Net loans and leases to total assets | 43.5576% | 4,271 |
| Net loans and leases to deposits | 51.4757% | 4,245 |
| Net loans and leases to core deposits | 54.3156% | 4,244 |
| Total domestic deposits to total assets | 84.6176% | 2,908 |
| Equity capital to assets | 14.8791% | 593 |
| Core capital (leverage) ratio | 14.6915% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,546,600 | 3,439 |
| Average earning assets | $142,628,200 | 3,352 |
| Average equity | $22,893,400 | 2,947 |
| Average total loans | $83,139,000 | 3,506 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 4,286 |
| Cost of funding earning assets | 0.7849% | 1,566 |
| Net interest margin | 2.6656% | 4,504 |
| Noninterest income to average assets | 0.1871% | 4,352 |
| Noninterest expense to average assets | 1.6671% | 4,660 |
| Loan and lease loss provision to assets | 1.3704% | 70 |
| Net operating income to assets | 0.3948% | 4,274 |
| Return on assets (ROA) | 0.4096% | 4,310 |
| Pretax return on assets | -0.2392% | 4,850 |
| Return on Equity (ROE) | 2.5873% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.5873% | 3,693 |
| Net charge-offs to loans | 1.2169% | 104 |
| Credit loss provision to net charge-offs | 187.9949% | 2,155 |
| Earnings coverage of net charge-offs (x) | 1.5262% | 3,066 |
| Efficiency ratio | 59.9799% | 3,392 |
| Assets per employee ($millions) | 7.5024% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9423% | 66 |
| Loan loss allowance to noncurrent loans | 15.3860% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 14.5800% | 4 |
| Noncurrent loans to loans | 25.6225% | 3 |
| Net loans and leases to total assets | 54.6598% | 3,738 |
| Net loans and leases to deposits | 65.1562% | 3,682 |
| Net loans and leases to core deposits | 68.4979% | 3,733 |
| Total domestic deposits to total assets | 83.8905% | 2,852 |
| Equity capital to assets | 15.5810% | 530 |
| Core capital (leverage) ratio | 15.0254% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,243,000 | 3,463 |
| Average earning assets | $139,301,250 | 3,378 |
| Average equity | $22,674,000 | 2,962 |
| Average total loans | $85,792,250 | 3,488 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 4,295 |
| Cost of funding earning assets | 0.8627% | 1,530 |
| Net interest margin | 2.7162% | 4,541 |
| Noninterest income to average assets | 0.1830% | 4,365 |
| Noninterest expense to average assets | 1.7166% | 4,667 |
| Loan and lease loss provision to assets | 2.0344% | 52 |
| Net operating income to assets | 0.1225% | 4,660 |
| Return on assets (ROA) | 0.1405% | 4,676 |
| Pretax return on assets | -0.9009% | 4,940 |
| Return on Equity (ROE) | 0.8824% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.8824% | 4,124 |
| Net charge-offs to loans | 1.7712% | 76 |
| Credit loss provision to net charge-offs | 188.4363% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.0289% | 2,889 |
| Efficiency ratio | 60.7125% | 3,318 |
| Assets per employee ($millions) | 7.4674% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8881% | 69 |
| Loan loss allowance to noncurrent loans | 15.3101% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 14.6511% | 5 |
| Noncurrent loans to loans | 25.3958% | 3 |
| Net loans and leases to total assets | 55.4481% | 3,738 |
| Net loans and leases to deposits | 65.8513% | 3,736 |
| Net loans and leases to core deposits | 69.3708% | 3,750 |
| Total domestic deposits to total assets | 84.2019% | 2,678 |
| Equity capital to assets | 15.3327% | 565 |
| Core capital (leverage) ratio | 15.5701% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,974,667 | 3,473 |
| Average earning assets | $137,251,333 | 3,386 |
| Average equity | $22,439,000 | 2,968 |
| Average total loans | $85,929,000 | 3,483 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 4,255 |
| Cost of funding earning assets | 0.9509% | 1,642 |
| Net interest margin | 2.8376% | 4,526 |
| Noninterest income to average assets | 0.2076% | 4,304 |
| Noninterest expense to average assets | 1.8101% | 4,654 |
| Loan and lease loss provision to assets | 3.3395% | 31 |
| Net operating income to assets | -2.2750% | 5,060 |
| Return on assets (ROA) | -2.2750% | 5,048 |
| Pretax return on assets | -2.1756% | 5,033 |
| Return on Equity (ROE) | -14.0123% | 5,029 |
| Retained earnings to average equity (ytd only) | -14.0123% | 4,875 |
| Net charge-offs to loans | 3.2163% | 41 |
| Credit loss provision to net charge-offs | 165.5072% | 1,534 |
| Earnings coverage of net charge-offs (x) | 0.5768% | 2,457 |
| Efficiency ratio | 60.8653% | 3,634 |
| Assets per employee ($millions) | 7.1046% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7069% | 91 |
| Loan loss allowance to noncurrent loans | 12.9714% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 17.8758% | 4 |
| Noncurrent loans to loans | 28.5772% | 2 |
| Net loans and leases to total assets | 60.2339% | 3,473 |
| Net loans and leases to deposits | 72.2950% | 3,409 |
| Net loans and leases to core deposits | 75.8364% | 3,506 |
| Total domestic deposits to total assets | 83.3169% | 3,009 |
| Equity capital to assets | 16.2260% | 542 |
| Core capital (leverage) ratio | 15.5104% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,788,500 | 3,489 |
| Average earning assets | $133,350,000 | 3,407 |
| Average equity | $22,209,000 | 2,982 |
| Average total loans | $85,813,500 | 3,488 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 4,584 |
| Cost of funding earning assets | 1.0695% | 1,435 |
| Net interest margin | 2.7139% | 4,831 |
| Noninterest income to average assets | 0.1992% | 4,466 |
| Noninterest expense to average assets | 1.6484% | 4,917 |
| Loan and lease loss provision to assets | 2.0103% | 42 |
| Net operating income to assets | -0.5444% | 5,054 |
| Return on assets (ROA) | -0.5444% | 5,059 |
| Pretax return on assets | -0.8173% | 5,081 |
| Return on Equity (ROE) | -3.2681% | 5,052 |
| Retained earnings to average equity (ytd only) | -3.2681% | 4,920 |
| Net charge-offs to loans | 2.7807% | 40 |
| Credit loss provision to net charge-offs | 105.6770% | 2,348 |
| Earnings coverage of net charge-offs (x) | 0.6272% | 3,601 |
| Efficiency ratio | 58.0123% | 3,959 |
| Assets per employee ($millions) | 7.2942% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0703% | 123 |
| Loan loss allowance to noncurrent loans | 13.1341% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 14.7067% | 6 |
| Noncurrent loans to loans | 23.3768% | 3 |
| Net loans and leases to total assets | 60.9799% | 3,505 |
| Net loans and leases to deposits | 73.2023% | 3,416 |
| Net loans and leases to core deposits | 76.3012% | 3,556 |
| Total domestic deposits to total assets | 83.3033% | 3,105 |
| Equity capital to assets | 16.2458% | 563 |
| Core capital (leverage) ratio | 15.9477% | 530 |
| Tier 1 risk-based capital ratio | 19.0613% | 1,501 |
| Total risk-based capital ratio | 20.3243% | 1,472 |
| Memoranda: | ||
| Average total assets | $137,042,200 | 3,479 |
| Average earning assets | $133,422,400 | 3,377 |
| Average equity | $22,826,600 | 2,881 |
| Average total loans | $93,752,200 | 3,326 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 4,819 |
| Cost of funding earning assets | 1.0712% | 1,465 |
| Net interest margin | 2.5932% | 5,007 |
| Noninterest income to average assets | 0.2068% | 4,483 |
| Noninterest expense to average assets | 1.6508% | 4,962 |
| Loan and lease loss provision to assets | 1.2489% | 69 |
| Net operating income to assets | -0.0839% | 5,083 |
| Return on assets (ROA) | -0.0839% | 5,092 |
| Pretax return on assets | -0.1678% | 5,101 |
| Return on Equity (ROE) | -0.5006% | 5,084 |
| Retained earnings to average equity (ytd only) | -0.5006% | 4,810 |
| Net charge-offs to loans | 1.1000% | 131 |
| Credit loss provision to net charge-offs | 162.6429% | 1,536 |
| Earnings coverage of net charge-offs (x) | 1.4079% | 3,293 |
| Efficiency ratio | 60.4286% | 3,553 |
| Assets per employee ($millions) | 7.1355% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1031% | 122 |
| Loan loss allowance to noncurrent loans | 11.9084% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 18.7182% | 3 |
| Noncurrent loans to loans | 26.0576% | 2 |
| Net loans and leases to total assets | 69.6048% | 2,533 |
| Net loans and leases to deposits | 86.4799% | 2,134 |
| Net loans and leases to core deposits | 90.0654% | 2,542 |
| Total domestic deposits to total assets | 80.4867% | 3,870 |
| Equity capital to assets | 17.1272% | 472 |
| Core capital (leverage) ratio | 16.6868% | 475 |
| Tier 1 risk-based capital ratio | 18.2010% | 1,761 |
| Total risk-based capital ratio | 19.4651% | 1,721 |
| Memoranda: | ||
| Average total assets | $136,655,250 | 3,515 |
| Average earning assets | $133,060,500 | 3,414 |
| Average equity | $22,904,500 | 2,896 |
| Average total loans | $95,393,000 | 3,328 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 5,007 |
| Cost of funding earning assets | 1.0224% | 1,591 |
| Net interest margin | 2.4789% | 5,138 |
| Noninterest income to average assets | 0.2087% | 4,490 |
| Noninterest expense to average assets | 1.6027% | 5,055 |
| Loan and lease loss provision to assets | 1.4290% | 59 |
| Net operating income to assets | -0.2919% | 5,164 |
| Return on assets (ROA) | -0.2919% | 5,172 |
| Pretax return on assets | -0.4058% | 5,182 |
| Return on Equity (ROE) | -1.7544% | 5,157 |
| Retained earnings to average equity (ytd only) | -1.7544% | 4,892 |
| Net charge-offs to loans | 1.6046% | 72 |
| Credit loss provision to net charge-offs | 128.8158% | 1,672 |
| Earnings coverage of net charge-offs (x) | 0.9224% | 3,068 |
| Efficiency ratio | 61.0339% | 3,575 |
| Assets per employee ($millions) | 7.0670% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8715% | 149 |
| Loan loss allowance to noncurrent loans | 11.7531% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 17.4130% | 4 |
| Noncurrent loans to loans | 24.4316% | 2 |
| Net loans and leases to total assets | 69.2261% | 2,639 |
| Net loans and leases to deposits | 83.8932% | 2,500 |
| Net loans and leases to core deposits | 87.8829% | 2,809 |
| Total domestic deposits to total assets | 82.5170% | 3,368 |
| Equity capital to assets | 17.1434% | 452 |
| Core capital (leverage) ratio | 16.7161% | 460 |
| Tier 1 risk-based capital ratio | 18.5021% | 1,667 |
| Total risk-based capital ratio | 19.7640% | 1,626 |
| Memoranda: | ||
| Average total assets | $137,015,670 | 3,527 |
| Average earning assets | $133,607,000 | 3,431 |
| Average equity | $22,799,330 | 2,902 |
| Average total loans | $94,728,000 | 3,358 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 3,458 |
| Cost of funding earning assets | 0.9649% | 1,721 |
| Net interest margin | 3.3668% | 3,986 |
| Noninterest income to average assets | 0.2236% | 4,404 |
| Noninterest expense to average assets | 1.5424% | 5,139 |
| Loan and lease loss provision to assets | 0.6450% | 157 |
| Net operating income to assets | 1.0206% | 2,773 |
| Return on assets (ROA) | 1.0206% | 2,814 |
| Pretax return on assets | 1.3073% | 2,427 |
| Return on Equity (ROE) | 5.9785% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.9785% | 2,463 |
| Net charge-offs to loans | 1.9310% | 59 |
| Credit loss provision to net charge-offs | 49.1266% | 1,982 |
| Earnings coverage of net charge-offs (x) | 1.4869% | 2,592 |
| Efficiency ratio | 44.1345% | 5,096 |
| Assets per employee ($millions) | 7.2801% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4007% | 271 |
| Loan loss allowance to noncurrent loans | 12.2030% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 13.6023% | 8 |
| Noncurrent loans to loans | 19.6731% | 4 |
| Net loans and leases to total assets | 67.4817% | 2,827 |
| Net loans and leases to deposits | 82.5239% | 2,560 |
| Net loans and leases to core deposits | 86.0819% | 2,864 |
| Total domestic deposits to total assets | 81.7722% | 3,786 |
| Equity capital to assets | 17.4658% | 392 |
| Core capital (leverage) ratio | 17.3629% | 389 |
| Tier 1 risk-based capital ratio | 19.5619% | 1,428 |
| Total risk-based capital ratio | 20.8191% | 1,402 |
| Memoranda: | ||
| Average total assets | $139,525,500 | 3,537 |
| Average earning assets | $135,559,000 | 3,432 |
| Average equity | $23,818,500 | 2,823 |
| Average total loans | $94,872,000 | 3,392 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 2,072 |
| Cost of funding earning assets | 0.8175% | 1,447 |
| Net interest margin | 3.8060% | 2,642 |
| Noninterest income to average assets | 0.2105% | 4,652 |
| Noninterest expense to average assets | 1.5634% | 5,190 |
| Loan and lease loss provision to assets | 0.1067% | 2,069 |
| Net operating income to assets | 1.8302% | 517 |
| Return on assets (ROA) | 1.8273% | 517 |
| Pretax return on assets | 2.2228% | 341 |
| Return on Equity (ROE) | 11.2886% | 1,973 |
| Retained earnings to average equity (ytd only) | 7.7733% | 1,339 |
| Net charge-offs to loans | 0.0765% | 2,031 |
| Credit loss provision to net charge-offs | 202.7027% | 1,417 |
| Earnings coverage of net charge-offs (x) | 44.3243% | 1,223 |
| Efficiency ratio | 40.1241% | 5,280 |
| Assets per employee ($millions) | 7.0365% | 962 |
| Cash dividends to net income (ytd only)* | 31.1405% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6874% | 188 |
| Loan loss allowance to noncurrent loans | 31.1760% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 5.7643% | 56 |
| Noncurrent loans to loans | 8.6201% | 39 |
| Net loans and leases to total assets | 65.0733% | 3,244 |
| Net loans and leases to deposits | 78.6710% | 3,082 |
| Net loans and leases to core deposits | 81.9833% | 3,261 |
| Total domestic deposits to total assets | 82.7157% | 3,420 |
| Equity capital to assets | 16.6831% | 448 |
| Core capital (leverage) ratio | 16.7391% | 435 |
| Tier 1 risk-based capital ratio | 20.2141% | 1,270 |
| Total risk-based capital ratio | 21.4746% | 1,246 |
| Memoranda: | ||
| Average total assets | $140,589,800 | 3,497 |
| Average earning assets | $136,152,600 | 3,407 |
| Average equity | $22,757,400 | 2,844 |
| Average total loans | $96,777,600 | 3,358 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 2,212 |
| Cost of funding earning assets | 0.7997% | 1,339 |
| Net interest margin | 3.7241% | 2,918 |
| Noninterest income to average assets | 0.2229% | 4,633 |
| Noninterest expense to average assets | 1.5253% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9306% | 447 |
| Return on assets (ROA) | 1.9266% | 454 |
| Pretax return on assets | 2.2975% | 342 |
| Return on Equity (ROE) | 11.9941% | 1,795 |
| Retained earnings to average equity (ytd only) | 9.6319% | 1,017 |
| Net charge-offs to loans | -0.6978% | 5,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8513% | 5,338 |
| Assets per employee ($millions) | 7.4963% | 775 |
| Cash dividends to net income (ytd only)* | 19.6947% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8708% | 157 |
| Loan loss allowance to noncurrent loans | 42.5963% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 4.8838% | 89 |
| Noncurrent loans to loans | 6.7397% | 63 |
| Net loans and leases to total assets | 70.3838% | 2,584 |
| Net loans and leases to deposits | 89.8738% | 1,920 |
| Net loans and leases to core deposits | 95.8274% | 2,132 |
| Total domestic deposits to total assets | 78.3141% | 4,435 |
| Equity capital to assets | 16.1575% | 511 |
| Core capital (leverage) ratio | 16.1593% | 497 |
| Tier 1 risk-based capital ratio | 19.3124% | 1,471 |
| Total risk-based capital ratio | 20.5764% | 1,436 |
| Memoranda: | ||
| Average total assets | $140,555,000 | 3,534 |
| Average earning assets | $136,046,750 | 3,451 |
| Average equity | $22,577,250 | 2,867 |
| Average total loans | $97,445,500 | 3,375 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 1,764 |
| Cost of funding earning assets | 0.7220% | 1,511 |
| Net interest margin | 3.8840% | 2,264 |
| Noninterest income to average assets | 0.2244% | 4,684 |
| Noninterest expense to average assets | 1.5365% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1244% | 295 |
| Return on assets (ROA) | 2.1182% | 296 |
| Pretax return on assets | 2.4484% | 243 |
| Return on Equity (ROE) | 13.2133% | 1,296 |
| Retained earnings to average equity (ytd only) | 13.2133% | 350 |
| Net charge-offs to loans | -1.0783% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4891% | 5,426 |
| Assets per employee ($millions) | 7.5731% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8436% | 169 |
| Loan loss allowance to noncurrent loans | 74.8172% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.7570% | 291 |
| Noncurrent loans to loans | 3.8008% | 241 |
| Net loans and leases to total assets | 70.4752% | 2,508 |
| Net loans and leases to deposits | 88.2520% | 2,081 |
| Net loans and leases to core deposits | 93.7001% | 2,248 |
| Total domestic deposits to total assets | 79.8567% | 4,260 |
| Equity capital to assets | 15.9957% | 504 |
| Core capital (leverage) ratio | 17.0537% | 390 |
| Tier 1 risk-based capital ratio | 19.3262% | 1,471 |
| Total risk-based capital ratio | 20.5909% | 1,427 |
| Memoranda: | ||
| Average total assets | $139,930,330 | 3,575 |
| Average earning assets | $135,735,000 | 3,476 |
| Average equity | $22,432,000 | 2,888 |
| Average total loans | $95,524,000 | 3,417 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 1,712 |
| Cost of funding earning assets | 0.6745% | 1,569 |
| Net interest margin | 3.8770% | 2,132 |
| Noninterest income to average assets | 0.2581% | 4,451 |
| Noninterest expense to average assets | 1.5455% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1834% | 253 |
| Return on assets (ROA) | 2.1834% | 253 |
| Pretax return on assets | 2.4791% | 224 |
| Return on Equity (ROE) | 13.6043% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.6043% | 446 |
| Net charge-offs to loans | -2.3359% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4006% | 5,485 |
| Assets per employee ($millions) | 7.1324% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2367% | 119 |
| Loan loss allowance to noncurrent loans | 31.0873% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 7.0856% | 46 |
| Noncurrent loans to loans | 10.4117% | 23 |
| Net loans and leases to total assets | 65.8510% | 3,055 |
| Net loans and leases to deposits | 79.2867% | 2,888 |
| Net loans and leases to core deposits | 83.9626% | 2,983 |
| Total domestic deposits to total assets | 83.0543% | 3,649 |
| Equity capital to assets | 16.4521% | 443 |
| Core capital (leverage) ratio | 16.4340% | 438 |
| Tier 1 risk-based capital ratio | 20.1592% | 1,318 |
| Total risk-based capital ratio | 21.4265% | 1,285 |
| Memoranda: | ||
| Average total assets | $137,951,000 | 3,636 |
| Average earning assets | $134,019,500 | 3,532 |
| Average equity | $22,140,000 | 2,944 |
| Average total loans | $91,099,000 | 3,520 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 1,903 |
| Cost of funding earning assets | 0.6242% | 1,438 |
| Net interest margin | 3.8193% | 2,355 |
| Noninterest income to average assets | 0.1891% | 5,010 |
| Noninterest expense to average assets | 1.5113% | 5,472 |
| Loan and lease loss provision to assets | 0.5572% | 233 |
| Net operating income to assets | 1.1175% | 1,802 |
| Return on assets (ROA) | 1.1396% | 1,752 |
| Pretax return on assets | 1.8593% | 666 |
| Return on Equity (ROE) | 7.2630% | 3,146 |
| Retained earnings to average equity (ytd only) | 3.5972% | 3,109 |
| Net charge-offs to loans | 0.7602% | 271 |
| Credit loss provision to net charge-offs | 110.2418% | 2,364 |
| Earnings coverage of net charge-offs (x) | 4.7127% | 3,425 |
| Efficiency ratio | 38.8181% | 5,542 |
| Assets per employee ($millions) | 7.3888% | 815 |
| Cash dividends to net income (ytd only)* | 50.4732% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7263% | 194 |
| Loan loss allowance to noncurrent loans | 111.0960% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5728% | 847 |
| Noncurrent loans to loans | 2.4540% | 553 |
| Net loans and leases to total assets | 62.3434% | 3,574 |
| Net loans and leases to deposits | 74.3173% | 3,497 |
| Net loans and leases to core deposits | 77.7697% | 3,608 |
| Total domestic deposits to total assets | 83.8881% | 3,247 |
| Equity capital to assets | 15.6603% | 557 |
| Core capital (leverage) ratio | 15.5035% | 541 |
| Tier 1 risk-based capital ratio | 19.9286% | 1,337 |
| Total risk-based capital ratio | 21.1908% | 1,299 |
| Memoranda: | ||
| Average total assets | $139,086,400 | 3,624 |
| Average earning assets | $134,892,400 | 3,529 |
| Average equity | $21,822,800 | 2,970 |
| Average total loans | $92,480,000 | 3,481 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 1,975 |
| Cost of funding earning assets | 0.6165% | 1,423 |
| Net interest margin | 3.7782% | 2,475 |
| Noninterest income to average assets | 0.1960% | 5,029 |
| Noninterest expense to average assets | 1.4595% | 5,547 |
| Loan and lease loss provision to assets | 0.4084% | 326 |
| Net operating income to assets | 1.3221% | 1,267 |
| Return on assets (ROA) | 1.3221% | 1,295 |
| Pretax return on assets | 1.9909% | 563 |
| Return on Equity (ROE) | 8.4225% | 2,919 |
| Retained earnings to average equity (ytd only) | 5.9741% | 2,253 |
| Net charge-offs to loans | 0.9623% | 183 |
| Credit loss provision to net charge-offs | 63.2440% | 2,770 |
| Earnings coverage of net charge-offs (x) | 3.7158% | 3,305 |
| Efficiency ratio | 37.8237% | 5,620 |
| Assets per employee ($millions) | 7.1664% | 883 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 435 |
| Loan loss allowance to noncurrent loans | 75.5666% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.9703% | 661 |
| Noncurrent loans to loans | 2.8554% | 468 |
| Net loans and leases to total assets | 67.5137% | 2,916 |
| Net loans and leases to deposits | 88.8503% | 1,946 |
| Net loans and leases to core deposits | 93.4874% | 2,309 |
| Total domestic deposits to total assets | 75.9859% | 5,015 |
| Equity capital to assets | 15.7680% | 585 |
| Core capital (leverage) ratio | 15.6559% | 546 |
| Tier 1 risk-based capital ratio | 19.5411% | 1,467 |
| Total risk-based capital ratio | 20.7980% | 1,433 |
| Memoranda: | ||
| Average total assets | $138,761,250 | 3,666 |
| Average earning assets | $134,521,250 | 3,567 |
| Average equity | $21,782,250 | 3,002 |
| Average total loans | $93,106,250 | 3,496 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 2,189 |
| Cost of funding earning assets | 0.5834% | 1,555 |
| Net interest margin | 3.6996% | 2,664 |
| Noninterest income to average assets | 0.2026% | 5,034 |
| Noninterest expense to average assets | 1.5025% | 5,569 |
| Loan and lease loss provision to assets | 0.4372% | 284 |
| Net operating income to assets | 1.0974% | 1,990 |
| Return on assets (ROA) | 1.0974% | 2,045 |
| Pretax return on assets | 1.8581% | 731 |
| Return on Equity (ROE) | 7.0015% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.0015% | 1,590 |
| Net charge-offs to loans | 1.4851% | 124 |
| Credit loss provision to net charge-offs | 44.3131% | 2,608 |
| Earnings coverage of net charge-offs (x) | 2.3264% | 3,171 |
| Efficiency ratio | 39.5625% | 5,640 |
| Assets per employee ($millions) | 7.0115% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 514 |
| Loan loss allowance to noncurrent loans | 57.8856% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 451 |
| Noncurrent loans to loans | 3.6164% | 300 |
| Net loans and leases to total assets | 66.8373% | 2,982 |
| Net loans and leases to deposits | 84.4835% | 2,407 |
| Net loans and leases to core deposits | 88.8878% | 2,626 |
| Total domestic deposits to total assets | 79.1129% | 4,599 |
| Equity capital to assets | 15.9909% | 531 |
| Core capital (leverage) ratio | 15.9696% | 483 |
| Tier 1 risk-based capital ratio | 19.9699% | 1,379 |
| Total risk-based capital ratio | 21.2267% | 1,337 |
| Memoranda: | ||
| Average total assets | $137,239,000 | 3,704 |
| Average earning assets | $133,367,330 | 3,603 |
| Average equity | $21,509,670 | 3,028 |
| Average total loans | $91,175,000 | 3,555 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,245 |
| Cost of funding earning assets | 0.5507% | 1,708 |
| Net interest margin | 3.6585% | 2,662 |
| Noninterest income to average assets | 0.2151% | 4,979 |
| Noninterest expense to average assets | 1.5294% | 5,616 |
| Loan and lease loss provision to assets | 0.8104% | 122 |
| Net operating income to assets | 0.6689% | 3,841 |
| Return on assets (ROA) | 0.6689% | 3,883 |
| Pretax return on assets | 1.4380% | 1,739 |
| Return on Equity (ROE) | 4.3130% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.3130% | 3,267 |
| Net charge-offs to loans | 0.7649% | 224 |
| Credit loss provision to net charge-offs | 161.7647% | 1,158 |
| Earnings coverage of net charge-offs (x) | 4.4882% | 2,382 |
| Efficiency ratio | 40.4836% | 5,684 |
| Assets per employee ($millions) | 7.1401% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7332% | 242 |
| Loan loss allowance to noncurrent loans | 33.9154% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 5.4031% | 97 |
| Noncurrent loans to loans | 8.0590% | 63 |
| Net loans and leases to total assets | 65.2121% | 3,086 |
| Net loans and leases to deposits | 80.0978% | 2,740 |
| Net loans and leases to core deposits | 83.6680% | 2,933 |
| Total domestic deposits to total assets | 81.4156% | 4,318 |
| Equity capital to assets | 16.0052% | 498 |
| Core capital (leverage) ratio | 15.9673% | 465 |
| Tier 1 risk-based capital ratio | 19.7145% | 1,444 |
| Total risk-based capital ratio | 20.9763% | 1,416 |
| Memoranda: | ||
| Average total assets | $135,743,500 | 3,760 |
| Average earning assets | $132,185,500 | 3,645 |
| Average equity | $21,052,500 | 3,080 |
| Average total loans | $88,897,500 | 3,619 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 2,735 |
| Cost of funding earning assets | 0.4864% | 2,195 |
| Net interest margin | 3.6447% | 2,911 |
| Noninterest income to average assets | 0.1885% | 5,273 |
| Noninterest expense to average assets | 1.5675% | 5,678 |
| Loan and lease loss provision to assets | 0.4270% | 346 |
| Net operating income to assets | 1.0169% | 2,278 |
| Return on assets (ROA) | 1.0219% | 2,359 |
| Pretax return on assets | 1.7660% | 863 |
| Return on Equity (ROE) | 6.8849% | 3,527 |
| Retained earnings to average equity (ytd only) | 3.0359% | 3,735 |
| Net charge-offs to loans | 0.2776% | 992 |
| Credit loss provision to net charge-offs | 257.7586% | 1,121 |
| Earnings coverage of net charge-offs (x) | 13.1897% | 2,387 |
| Efficiency ratio | 41.7697% | 5,754 |
| Assets per employee ($millions) | 7.1487% | 858 |
| Cash dividends to net income (ytd only)* | 55.9050% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7418% | 235 |
| Loan loss allowance to noncurrent loans | 91.7534% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.9105% | 745 |
| Noncurrent loans to loans | 2.9882% | 461 |
| Net loans and leases to total assets | 62.1830% | 3,591 |
| Net loans and leases to deposits | 73.5554% | 3,560 |
| Net loans and leases to core deposits | 77.7759% | 3,586 |
| Total domestic deposits to total assets | 84.5389% | 3,225 |
| Equity capital to assets | 15.0134% | 642 |
| Core capital (leverage) ratio | 14.5887% | 675 |
| Tier 1 risk-based capital ratio | 19.0778% | 1,575 |
| Total risk-based capital ratio | 20.3394% | 1,537 |
| Memoranda: | ||
| Average total assets | $140,032,200 | 3,673 |
| Average earning assets | $136,936,800 | 3,538 |
| Average equity | $20,784,600 | 3,089 |
| Average total loans | $83,582,400 | 3,725 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,410 |
| Cost of funding earning assets | 0.4801% | 2,262 |
| Net interest margin | 3.4715% | 3,579 |
| Noninterest income to average assets | 0.1890% | 5,328 |
| Noninterest expense to average assets | 1.5158% | 5,746 |
| Loan and lease loss provision to assets | 0.2599% | 703 |
| Net operating income to assets | 1.0726% | 2,105 |
| Return on assets (ROA) | 1.0726% | 2,212 |
| Pretax return on assets | 1.8098% | 883 |
| Return on Equity (ROE) | 7.2467% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.6928% | 3,024 |
| Net charge-offs to loans | 0.3866% | 566 |
| Credit loss provision to net charge-offs | 114.5833% | 2,166 |
| Earnings coverage of net charge-offs (x) | 9.1251% | 2,705 |
| Efficiency ratio | 42.2773% | 5,778 |
| Assets per employee ($millions) | 7.5367% | 709 |
| Cash dividends to net income (ytd only)* | 35.2422% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 478 |
| Loan loss allowance to noncurrent loans | 180.4577% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 2,561 |
| Noncurrent loans to loans | 1.2437% | 1,801 |
| Net loans and leases to total assets | 62.3521% | 3,605 |
| Net loans and leases to deposits | 81.8989% | 2,748 |
| Net loans and leases to core deposits | 88.0899% | 2,750 |
| Total domestic deposits to total assets | 76.1330% | 5,223 |
| Equity capital to assets | 14.8312% | 780 |
| Core capital (leverage) ratio | 14.5244% | 718 |
| Tier 1 risk-based capital ratio | 18.9155% | 1,689 |
| Total risk-based capital ratio | 20.1730% | 1,650 |
| Memoranda: | ||
| Average total assets | $141,084,000 | 3,671 |
| Average earning assets | $138,034,250 | 3,541 |
| Average equity | $20,882,750 | 3,104 |
| Average total loans | $82,767,750 | 3,764 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 3,785 |
| Cost of funding earning assets | 0.4676% | 2,399 |
| Net interest margin | 3.3792% | 3,970 |
| Noninterest income to average assets | 0.1838% | 5,398 |
| Noninterest expense to average assets | 1.4959% | 5,839 |
| Loan and lease loss provision to assets | 0.2137% | 992 |
| Net operating income to assets | 1.0500% | 2,173 |
| Return on assets (ROA) | 1.0500% | 2,301 |
| Pretax return on assets | 1.7894% | 902 |
| Return on Equity (ROE) | 7.0987% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.0987% | 1,556 |
| Net charge-offs to loans | -0.0601% | 5,441 |
| Credit loss provision to net charge-offs | -625.0000% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7524% | 5,848 |
| Assets per employee ($millions) | 7.2721% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5264% | 354 |
| Loan loss allowance to noncurrent loans | 152.7565% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 2,053 |
| Noncurrent loans to loans | 1.6539% | 1,287 |
| Net loans and leases to total assets | 61.1247% | 3,736 |
| Net loans and leases to deposits | 74.0031% | 3,594 |
| Net loans and leases to core deposits | 78.4608% | 3,608 |
| Total domestic deposits to total assets | 82.5975% | 3,797 |
| Equity capital to assets | 15.4817% | 629 |
| Core capital (leverage) ratio | 14.9054% | 627 |
| Tier 1 risk-based capital ratio | 19.7386% | 1,511 |
| Total risk-based capital ratio | 20.9985% | 1,470 |
| Memoranda: | ||
| Average total assets | $140,379,330 | 3,710 |
| Average earning assets | $137,723,670 | 3,569 |
| Average equity | $20,764,330 | 3,123 |
| Average total loans | $79,911,330 | 3,845 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,126 |
| Cost of funding earning assets | 0.4606% | 2,459 |
| Net interest margin | 3.2936% | 4,245 |
| Noninterest income to average assets | 0.1866% | 5,385 |
| Noninterest expense to average assets | 1.5238% | 5,896 |
| Loan and lease loss provision to assets | 0.1414% | 1,490 |
| Net operating income to assets | 1.0347% | 2,143 |
| Return on assets (ROA) | 1.0347% | 2,264 |
| Pretax return on assets | 1.7557% | 930 |
| Return on Equity (ROE) | 7.1586% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.1586% | 1,813 |
| Net charge-offs to loans | -0.0157% | 4,739 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5455% | 5,855 |
| Assets per employee ($millions) | 7.3224% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6334% | 336 |
| Loan loss allowance to noncurrent loans | 136.3217% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0904% | 2,029 |
| Noncurrent loans to loans | 1.9317% | 1,122 |
| Net loans and leases to total assets | 54.9588% | 4,358 |
| Net loans and leases to deposits | 65.0746% | 4,334 |
| Net loans and leases to core deposits | 69.1713% | 4,301 |
| Total domestic deposits to total assets | 84.4551% | 3,331 |
| Equity capital to assets | 14.8793% | 719 |
| Core capital (leverage) ratio | 14.2747% | 740 |
| Tier 1 risk-based capital ratio | 20.5072% | 1,402 |
| Total risk-based capital ratio | 21.7670% | 1,379 |
| Memoranda: | ||
| Average total assets | $141,484,000 | 3,712 |
| Average earning assets | $138,938,000 | 3,575 |
| Average equity | $20,451,000 | 3,157 |
| Average total loans | $76,544,500 | 3,951 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 4,310 |
| Cost of funding earning assets | 0.4636% | 2,500 |
| Net interest margin | 3.2569% | 4,448 |
| Noninterest income to average assets | 0.4235% | 3,864 |
| Noninterest expense to average assets | 1.5177% | 5,971 |
| Loan and lease loss provision to assets | 0.3050% | 558 |
| Net operating income to assets | 1.1499% | 1,732 |
| Return on assets (ROA) | 1.1679% | 1,749 |
| Pretax return on assets | 1.8227% | 770 |
| Return on Equity (ROE) | 8.1002% | 2,902 |
| Retained earnings to average equity (ytd only) | 4.0902% | 3,094 |
| Net charge-offs to loans | -0.0372% | 5,473 |
| Credit loss provision to net charge-offs | -1,623.0769% | 5,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9580% | 6,027 |
| Assets per employee ($millions) | 7.5706% | 671 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7026% | 315 |
| Loan loss allowance to noncurrent loans | 746.2963% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 4,856 |
| Noncurrent loans to loans | 0.3621% | 4,154 |
| Net loans and leases to total assets | 50.4331% | 4,830 |
| Net loans and leases to deposits | 58.9482% | 4,853 |
| Net loans and leases to core deposits | 63.0872% | 4,794 |
| Total domestic deposits to total assets | 85.5550% | 2,837 |
| Equity capital to assets | 14.0439% | 914 |
| Core capital (leverage) ratio | 14.1592% | 783 |
| Tier 1 risk-based capital ratio | 19.3694% | 1,619 |
| Total risk-based capital ratio | 20.6275% | 1,575 |
| Memoranda: | ||
| Average total assets | $138,369,000 | 3,747 |
| Average earning assets | $135,681,400 | 3,601 |
| Average equity | $19,950,200 | 3,174 |
| Average total loans | $69,863,000 | 4,093 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 4,343 |
| Cost of funding earning assets | 0.4667% | 2,518 |
| Net interest margin | 3.2582% | 4,492 |
| Noninterest income to average assets | 0.5051% | 3,329 |
| Noninterest expense to average assets | 1.5056% | 6,045 |
| Loan and lease loss provision to assets | 0.4107% | 287 |
| Net operating income to assets | 1.2063% | 1,631 |
| Return on assets (ROA) | 1.2321% | 1,605 |
| Pretax return on assets | 1.8199% | 862 |
| Return on Equity (ROE) | 8.4875% | 2,831 |
| Retained earnings to average equity (ytd only) | 5.8059% | 2,365 |
| Net charge-offs to loans | -0.0039% | 4,788 |
| Credit loss provision to net charge-offs | -21,100.0000% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7105% | 6,112 |
| Assets per employee ($millions) | 7.0416% | 854 |
| Cash dividends to net income (ytd only)* | 31.5955% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5446% | 411 |
| Loan loss allowance to noncurrent loans | 716.1871% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 4,924 |
| Noncurrent loans to loans | 0.3553% | 4,338 |
| Net loans and leases to total assets | 56.9938% | 4,249 |
| Net loans and leases to deposits | 67.9584% | 4,193 |
| Net loans and leases to core deposits | 72.9566% | 4,107 |
| Total domestic deposits to total assets | 83.8658% | 3,480 |
| Equity capital to assets | 15.1700% | 702 |
| Core capital (leverage) ratio | 14.5941% | 718 |
| Tier 1 risk-based capital ratio | 18.9541% | 1,785 |
| Total risk-based capital ratio | 20.2121% | 1,754 |
| Memoranda: | ||
| Average total assets | $137,000,750 | 3,805 |
| Average earning assets | $134,264,500 | 3,660 |
| Average equity | $19,887,500 | 3,211 |
| Average total loans | $68,689,000 | 4,165 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 4,749 |
| Cost of funding earning assets | 0.4532% | 2,689 |
| Net interest margin | 3.1352% | 4,867 |
| Noninterest income to average assets | 0.6431% | 2,514 |
| Noninterest expense to average assets | 1.5470% | 6,085 |
| Loan and lease loss provision to assets | 0.4780% | 216 |
| Net operating income to assets | 1.2077% | 1,575 |
| Return on assets (ROA) | 1.2211% | 1,618 |
| Pretax return on assets | 1.7136% | 1,056 |
| Return on Equity (ROE) | 8.5361% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.5361% | 1,065 |
| Net charge-offs to loans | -0.0092% | 4,898 |
| Credit loss provision to net charge-offs | -11,000.0000% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5888% | 6,175 |
| Assets per employee ($millions) | 7.1187% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6062% | 427 |
| Loan loss allowance to noncurrent loans | 489.6907% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 4,729 |
| Noncurrent loans to loans | 0.5322% | 3,861 |
| Net loans and leases to total assets | 52.4949% | 4,710 |
| Net loans and leases to deposits | 62.6015% | 4,653 |
| Net loans and leases to core deposits | 65.9331% | 4,661 |
| Total domestic deposits to total assets | 83.8557% | 3,631 |
| Equity capital to assets | 14.7906% | 744 |
| Core capital (leverage) ratio | 14.3911% | 740 |
| Tier 1 risk-based capital ratio | 19.7472% | 1,609 |
| Total risk-based capital ratio | 21.0051% | 1,566 |
| Memoranda: | ||
| Average total assets | $138,071,000 | 3,824 |
| Average earning assets | $135,493,670 | 3,674 |
| Average equity | $19,751,330 | 3,242 |
| Average total loans | $65,504,330 | 4,294 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 5,128 |
| Cost of funding earning assets | 0.4411% | 2,869 |
| Net interest margin | 2.9945% | 5,230 |
| Noninterest income to average assets | 0.2065% | 5,477 |
| Noninterest expense to average assets | 1.5716% | 6,133 |
| Loan and lease loss provision to assets | 0.2294% | 758 |
| Net operating income to assets | 0.8689% | 2,909 |
| Return on assets (ROA) | 0.8689% | 3,027 |
| Pretax return on assets | 1.3450% | 2,099 |
| Return on Equity (ROE) | 6.1760% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.1760% | 2,389 |
| Net charge-offs to loans | -0.0777% | 5,735 |
| Credit loss provision to net charge-offs | -666.6667% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9544% | 5,918 |
| Assets per employee ($millions) | 6.9882% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5784% | 475 |
| Loan loss allowance to noncurrent loans | 395.0000% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 3,844 |
| Noncurrent loans to loans | 0.6528% | 3,644 |
| Net loans and leases to total assets | 44.8495% | 5,279 |
| Net loans and leases to deposits | 52.6814% | 5,291 |
| Net loans and leases to core deposits | 55.8856% | 5,255 |
| Total domestic deposits to total assets | 85.1334% | 3,342 |
| Equity capital to assets | 14.2341% | 915 |
| Core capital (leverage) ratio | 13.8145% | 880 |
| Tier 1 risk-based capital ratio | 21.2896% | 1,371 |
| Total risk-based capital ratio | 22.5466% | 1,344 |
| Memoranda: | ||
| Average total assets | $139,479,000 | 3,822 |
| Average earning assets | $136,916,500 | 3,670 |
| Average equity | $19,624,500 | 3,272 |
| Average total loans | $61,805,500 | 4,437 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 5,102 |
| Cost of funding earning assets | 0.4653% | 3,021 |
| Net interest margin | 3.1277% | 5,139 |
| Noninterest income to average assets | 0.2307% | 5,479 |
| Noninterest expense to average assets | 1.5407% | 6,277 |
| Loan and lease loss provision to assets | 0.0658% | 3,184 |
| Net operating income to assets | 1.2321% | 1,488 |
| Return on assets (ROA) | 1.2434% | 1,513 |
| Pretax return on assets | 1.7049% | 976 |
| Return on Equity (ROE) | 8.4813% | 2,855 |
| Retained earnings to average equity (ytd only) | 4.2565% | 3,159 |
| Net charge-offs to loans | -0.0533% | 5,948 |
| Credit loss provision to net charge-offs | -283.3333% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7465% | 6,233 |
| Assets per employee ($millions) | 6.9598% | 865 |
| Cash dividends to net income (ytd only)* | 49.8132% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6439% | 456 |
| Loan loss allowance to noncurrent loans | 292.8972% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 3,675 |
| Noncurrent loans to loans | 0.9027% | 3,060 |
| Net loans and leases to total assets | 41.4541% | 5,659 |
| Net loans and leases to deposits | 48.3736% | 5,664 |
| Net loans and leases to core deposits | 50.8195% | 5,677 |
| Total domestic deposits to total assets | 85.6956% | 2,987 |
| Equity capital to assets | 13.9050% | 991 |
| Core capital (leverage) ratio | 14.0896% | 791 |
| Tier 1 risk-based capital ratio | 25.0414% | 835 |
| Total risk-based capital ratio | 26.3015% | 821 |
| Memoranda: | ||
| Average total assets | $129,158,800 | 3,987 |
| Average earning assets | $126,577,800 | 3,830 |
| Average equity | $18,935,800 | 3,293 |
| Average total loans | $56,233,800 | 4,607 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 5,230 |
| Cost of funding earning assets | 0.4708% | 3,047 |
| Net interest margin | 3.0932% | 5,280 |
| Noninterest income to average assets | 0.2358% | 5,513 |
| Noninterest expense to average assets | 1.5317% | 6,336 |
| Loan and lease loss provision to assets | 0.0895% | 2,566 |
| Net operating income to assets | 1.2412% | 1,550 |
| Return on assets (ROA) | 1.2412% | 1,608 |
| Pretax return on assets | 1.6444% | 1,195 |
| Return on Equity (ROE) | 8.3477% | 3,011 |
| Retained earnings to average equity (ytd only) | 5.5156% | 2,735 |
| Net charge-offs to loans | -0.0625% | 5,996 |
| Credit loss provision to net charge-offs | -326.9231% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9052% | 6,247 |
| Assets per employee ($millions) | 6.0915% | 1,271 |
| Cash dividends to net income (ytd only)* | 33.9271% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4926% | 657 |
| Loan loss allowance to noncurrent loans | 276.6372% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 3,652 |
| Noncurrent loans to loans | 0.9010% | 3,311 |
| Net loans and leases to total assets | 47.7967% | 5,226 |
| Net loans and leases to deposits | 58.3823% | 5,075 |
| Net loans and leases to core deposits | 60.9688% | 5,120 |
| Total domestic deposits to total assets | 81.8685% | 4,524 |
| Equity capital to assets | 15.0968% | 717 |
| Core capital (leverage) ratio | 14.8670% | 646 |
| Tier 1 risk-based capital ratio | 24.1991% | 965 |
| Total risk-based capital ratio | 25.4583% | 942 |
| Memoranda: | ||
| Average total assets | $126,649,750 | 4,072 |
| Average earning assets | $124,052,250 | 3,911 |
| Average equity | $18,831,000 | 3,325 |
| Average total loans | $55,475,000 | 4,676 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 5,464 |
| Cost of funding earning assets | 0.4654% | 3,159 |
| Net interest margin | 3.0087% | 5,493 |
| Noninterest income to average assets | 0.2297% | 5,561 |
| Noninterest expense to average assets | 1.5401% | 6,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2692% | 1,398 |
| Return on assets (ROA) | 1.2692% | 1,453 |
| Pretax return on assets | 1.6399% | 1,163 |
| Return on Equity (ROE) | 8.5803% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.5803% | 1,121 |
| Net charge-offs to loans | -0.0188% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4305% | 6,267 |
| Assets per employee ($millions) | 6.3653% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5435% | 675 |
| Loan loss allowance to noncurrent loans | 240.4290% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 3,686 |
| Noncurrent loans to loans | 1.0579% | 3,116 |
| Net loans and leases to total assets | 43.8522% | 5,542 |
| Net loans and leases to deposits | 52.0624% | 5,496 |
| Net loans and leases to core deposits | 53.8996% | 5,558 |
| Total domestic deposits to total assets | 84.2300% | 3,843 |
| Equity capital to assets | 15.2468% | 647 |
| Core capital (leverage) ratio | 15.0231% | 606 |
| Tier 1 risk-based capital ratio | 26.0148% | 774 |
| Total risk-based capital ratio | 27.2747% | 757 |
| Memoranda: | ||
| Average total assets | $126,226,000 | 4,111 |
| Average earning assets | $123,774,000 | 3,937 |
| Average equity | $18,670,670 | 3,328 |
| Average total loans | $53,065,000 | 4,789 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3474% | 5,755 |
| Cost of funding earning assets | 0.4703% | 3,228 |
| Net interest margin | 2.8770% | 5,798 |
| Noninterest income to average assets | 0.2387% | 5,450 |
| Noninterest expense to average assets | 1.5149% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1744% | 1,553 |
| Return on assets (ROA) | 1.1744% | 1,620 |
| Pretax return on assets | 1.5467% | 1,299 |
| Return on Equity (ROE) | 8.0651% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.0651% | 1,567 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4802% | 6,288 |
| Assets per employee ($millions) | 6.2437% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8021% | 542 |
| Loan loss allowance to noncurrent loans | 156.1290% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 3,176 |
| Noncurrent loans to loans | 1.7947% | 2,149 |
| Net loans and leases to total assets | 40.3335% | 5,787 |
| Net loans and leases to deposits | 47.6527% | 5,754 |
| Net loans and leases to core deposits | 49.9078% | 5,773 |
| Total domestic deposits to total assets | 84.6405% | 4,024 |
| Equity capital to assets | 14.9335% | 688 |
| Core capital (leverage) ratio | 14.6648% | 659 |
| Tier 1 risk-based capital ratio | 27.4383% | 686 |
| Total risk-based capital ratio | 28.7004% | 669 |
| Memoranda: | ||
| Average total assets | $125,686,500 | 4,150 |
| Average earning assets | $123,321,000 | 3,978 |
| Average equity | $18,301,000 | 3,386 |
| Average total loans | $50,956,000 | 4,899 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 5,598 |
| Cost of funding earning assets | 0.5200% | 3,396 |
| Net interest margin | 3.0025% | 5,572 |
| Noninterest income to average assets | 0.2530% | 5,535 |
| Noninterest expense to average assets | 1.5558% | 6,537 |
| Loan and lease loss provision to assets | 0.2642% | 1,341 |
| Net operating income to assets | 0.9905% | 2,364 |
| Return on assets (ROA) | 0.9905% | 2,436 |
| Pretax return on assets | 1.3781% | 1,869 |
| Return on Equity (ROE) | 6.7331% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.9230% | 4,164 |
| Net charge-offs to loans | -0.0359% | 6,260 |
| Credit loss provision to net charge-offs | -1,833.3333% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6480% | 6,463 |
| Assets per employee ($millions) | 6.6578% | 918 |
| Cash dividends to net income (ytd only)* | 56.5885% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8986% | 523 |
| Loan loss allowance to noncurrent loans | 173.4767% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 3,505 |
| Noncurrent loans to loans | 1.6709% | 2,402 |
| Net loans and leases to total assets | 38.4525% | 6,057 |
| Net loans and leases to deposits | 44.9743% | 6,075 |
| Net loans and leases to core deposits | 47.5405% | 6,059 |
| Total domestic deposits to total assets | 85.4987% | 3,510 |
| Equity capital to assets | 14.1930% | 854 |
| Core capital (leverage) ratio | 14.4982% | 688 |
| Tier 1 risk-based capital ratio | 27.9017% | 616 |
| Total risk-based capital ratio | 28.9555% | 614 |
| Memoranda: | ||
| Average total assets | $124,885,600 | 4,162 |
| Average earning assets | $122,498,600 | 4,003 |
| Average equity | $18,371,800 | 3,358 |
| Average total loans | $50,079,600 | 4,957 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 5,608 |
| Cost of funding earning assets | 0.5296% | 3,467 |
| Net interest margin | 3.0050% | 5,582 |
| Noninterest income to average assets | 0.2474% | 5,661 |
| Noninterest expense to average assets | 1.5402% | 6,608 |
| Loan and lease loss provision to assets | 0.3535% | 904 |
| Net operating income to assets | 0.9093% | 2,785 |
| Return on assets (ROA) | 0.9093% | 2,891 |
| Pretax return on assets | 1.3014% | 2,322 |
| Return on Equity (ROE) | 6.1266% | 4,120 |
| Retained earnings to average equity (ytd only) | 3.9617% | 3,874 |
| Net charge-offs to loans | -0.0533% | 6,336 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2065% | 6,498 |
| Assets per employee ($millions) | 6.3348% | 1,017 |
| Cash dividends to net income (ytd only)* | 35.3357% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6786% | 765 |
| Loan loss allowance to noncurrent loans | 176.4563% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 3,669 |
| Noncurrent loans to loans | 1.5180% | 2,893 |
| Net loans and leases to total assets | 43.8913% | 5,733 |
| Net loans and leases to deposits | 51.9976% | 5,709 |
| Net loans and leases to core deposits | 54.6099% | 5,721 |
| Total domestic deposits to total assets | 84.4102% | 4,021 |
| Equity capital to assets | 15.1104% | 693 |
| Core capital (leverage) ratio | 14.9056% | 657 |
| Tier 1 risk-based capital ratio | 26.3077% | 765 |
| Total risk-based capital ratio | 27.5675% | 747 |
| Memoranda: | ||
| Average total assets | $124,482,250 | 4,213 |
| Average earning assets | $122,103,500 | 4,049 |
| Average equity | $18,476,250 | 3,378 |
| Average total loans | $50,076,000 | 4,998 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4327% | 5,834 |
| Cost of funding earning assets | 0.5255% | 3,649 |
| Net interest margin | 2.9072% | 5,789 |
| Noninterest income to average assets | 0.2336% | 5,773 |
| Noninterest expense to average assets | 1.4922% | 6,679 |
| Loan and lease loss provision to assets | 0.3099% | 1,147 |
| Net operating income to assets | 0.8915% | 2,841 |
| Return on assets (ROA) | 0.8915% | 2,989 |
| Pretax return on assets | 1.2888% | 2,344 |
| Return on Equity (ROE) | 6.0411% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.0411% | 2,414 |
| Net charge-offs to loans | -0.0575% | 6,314 |
| Credit loss provision to net charge-offs | -1,392.8571% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2776% | 6,521 |
| Assets per employee ($millions) | 6.1697% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4846% | 1,000 |
| Loan loss allowance to noncurrent loans | 171.6340% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 3,944 |
| Noncurrent loans to loans | 1.4476% | 3,132 |
| Net loans and leases to total assets | 41.7633% | 5,915 |
| Net loans and leases to deposits | 49.2375% | 5,900 |
| Net loans and leases to core deposits | 52.4509% | 5,856 |
| Total domestic deposits to total assets | 84.8200% | 3,984 |
| Equity capital to assets | 14.7358% | 777 |
| Core capital (leverage) ratio | 14.5352% | 691 |
| Tier 1 risk-based capital ratio | 26.8692% | 703 |
| Total risk-based capital ratio | 28.1286% | 692 |
| Memoranda: | ||
| Average total assets | $125,856,000 | 4,224 |
| Average earning assets | $123,692,000 | 4,038 |
| Average equity | $18,572,670 | 3,388 |
| Average total loans | $48,674,000 | 5,078 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2984% | 6,157 |
| Cost of funding earning assets | 0.5274% | 3,812 |
| Net interest margin | 2.7711% | 6,087 |
| Noninterest income to average assets | 0.2298% | 5,818 |
| Noninterest expense to average assets | 1.5013% | 6,741 |
| Loan and lease loss provision to assets | 0.3305% | 1,017 |
| Net operating income to assets | 0.7302% | 3,537 |
| Return on assets (ROA) | 0.7302% | 3,674 |
| Pretax return on assets | 1.1268% | 2,858 |
| Return on Equity (ROE) | 4.9447% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.9447% | 3,270 |
| Net charge-offs to loans | 0.0601% | 3,217 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 66.1429% | 546 |
| Efficiency ratio | 50.7447% | 6,453 |
| Assets per employee ($millions) | 6.2720% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5691% | 1,043 |
| Loan loss allowance to noncurrent loans | 81.6576% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 3,610 |
| Noncurrent loans to loans | 3.1462% | 1,571 |
| Net loans and leases to total assets | 36.3393% | 6,273 |
| Net loans and leases to deposits | 43.2975% | 6,252 |
| Net loans and leases to core deposits | 46.2101% | 6,202 |
| Total domestic deposits to total assets | 83.9294% | 4,507 |
| Equity capital to assets | 15.0064% | 756 |
| Core capital (leverage) ratio | 14.0799% | 776 |
| Tier 1 risk-based capital ratio | 29.0524% | 577 |
| Total risk-based capital ratio | 30.3122% | 571 |
| Memoranda: | ||
| Average total assets | $127,087,500 | 4,239 |
| Average earning assets | $125,150,000 | 4,041 |
| Average equity | $18,767,500 | 3,410 |
| Average total loans | $46,588,000 | 5,191 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 5,922 |
| Cost of funding earning assets | 0.6339% | 4,057 |
| Net interest margin | 3.1290% | 5,740 |
| Noninterest income to average assets | 0.2342% | 5,768 |
| Noninterest expense to average assets | 1.5828% | 6,819 |
| Loan and lease loss provision to assets | 0.2958% | 2,311 |
| Net operating income to assets | 1.0335% | 2,197 |
| Return on assets (ROA) | 1.0656% | 2,254 |
| Pretax return on assets | 1.4693% | 1,784 |
| Return on Equity (ROE) | 7.1666% | 3,548 |
| Retained earnings to average equity (ytd only) | 2.8656% | 4,225 |
| Net charge-offs to loans | 0.5336% | 2,126 |
| Credit loss provision to net charge-offs | 141.2214% | 1,942 |
| Earnings coverage of net charge-offs (x) | 8.2176% | 2,450 |
| Efficiency ratio | 47.9071% | 6,712 |
| Assets per employee ($millions) | 6.4368% | 1,034 |
| Cash dividends to net income (ytd only)* | 60.0150% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3798% | 1,266 |
| Loan loss allowance to noncurrent loans | 98.3081% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 4,304 |
| Noncurrent loans to loans | 2.4208% | 2,200 |
| Net loans and leases to total assets | 35.1777% | 6,486 |
| Net loans and leases to deposits | 41.6599% | 6,478 |
| Net loans and leases to core deposits | 44.4364% | 6,443 |
| Total domestic deposits to total assets | 84.4401% | 4,108 |
| Equity capital to assets | 14.5345% | 862 |
| Core capital (leverage) ratio | 13.7991% | 859 |
| Tier 1 risk-based capital ratio | 28.8035% | 572 |
| Total risk-based capital ratio | 30.0606% | 561 |
| Memoranda: | ||
| Average total assets | $125,095,600 | 4,246 |
| Average earning assets | $122,724,200 | 4,046 |
| Average equity | $18,600,200 | 3,383 |
| Average total loans | $49,098,000 | 5,138 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 5,936 |
| Cost of funding earning assets | 0.6518% | 4,181 |
| Net interest margin | 3.1847% | 5,735 |
| Noninterest income to average assets | 0.2330% | 5,884 |
| Noninterest expense to average assets | 1.5686% | 6,899 |
| Loan and lease loss provision to assets | 0.3167% | 2,085 |
| Net operating income to assets | 1.0778% | 2,179 |
| Return on assets (ROA) | 1.1209% | 2,216 |
| Pretax return on assets | 1.5278% | 1,785 |
| Return on Equity (ROE) | 7.4948% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.6232% | 3,645 |
| Net charge-offs to loans | 0.7929% | 1,392 |
| Credit loss provision to net charge-offs | 99.6622% | 3,013 |
| Earnings coverage of net charge-offs (x) | 5.6182% | 2,972 |
| Efficiency ratio | 46.7670% | 6,780 |
| Assets per employee ($millions) | 6.1601% | 1,149 |
| Cash dividends to net income (ytd only)* | 38.3140% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9308% | 2,387 |
| Loan loss allowance to noncurrent loans | 74.3647% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 4,121 |
| Noncurrent loans to loans | 2.5964% | 2,202 |
| Net loans and leases to total assets | 41.0196% | 6,199 |
| Net loans and leases to deposits | 49.2727% | 6,168 |
| Net loans and leases to core deposits | 53.1689% | 6,105 |
| Total domestic deposits to total assets | 83.2503% | 4,541 |
| Equity capital to assets | 15.4218% | 718 |
| Core capital (leverage) ratio | 14.7267% | 665 |
| Tier 1 risk-based capital ratio | 26.8177% | 755 |
| Total risk-based capital ratio | 28.0717% | 739 |
| Memoranda: | ||
| Average total assets | $124,185,750 | 4,308 |
| Average earning assets | $121,703,250 | 4,113 |
| Average equity | $18,572,500 | 3,422 |
| Average total loans | $49,775,000 | 5,179 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 6,143 |
| Cost of funding earning assets | 0.6680% | 4,293 |
| Net interest margin | 3.1305% | 5,912 |
| Noninterest income to average assets | 0.2201% | 5,995 |
| Noninterest expense to average assets | 1.5757% | 6,952 |
| Loan and lease loss provision to assets | 0.2409% | 2,653 |
| Net operating income to assets | 1.0911% | 2,073 |
| Return on assets (ROA) | 1.1565% | 2,068 |
| Pretax return on assets | 1.5629% | 1,661 |
| Return on Equity (ROE) | 7.8133% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.8133% | 1,714 |
| Net charge-offs to loans | 0.9311% | 1,187 |
| Credit loss provision to net charge-offs | 65.5022% | 3,675 |
| Earnings coverage of net charge-offs (x) | 4.6638% | 3,024 |
| Efficiency ratio | 47.8770% | 6,784 |
| Assets per employee ($millions) | 6.1167% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 2,948 |
| Loan loss allowance to noncurrent loans | 40.4143% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 2,963 |
| Noncurrent loans to loans | 4.3848% | 1,224 |
| Net loans and leases to total assets | 41.5505% | 6,224 |
| Net loans and leases to deposits | 49.8241% | 6,191 |
| Net loans and leases to core deposits | 52.7665% | 6,181 |
| Total domestic deposits to total assets | 83.3945% | 4,577 |
| Equity capital to assets | 15.4439% | 690 |
| Core capital (leverage) ratio | 14.4565% | 710 |
| Tier 1 risk-based capital ratio | 26.6782% | 754 |
| Total risk-based capital ratio | 27.9309% | 741 |
| Memoranda: | ||
| Average total assets | $124,513,670 | 4,324 |
| Average earning assets | $122,153,670 | 4,120 |
| Average equity | $18,430,000 | 3,437 |
| Average total loans | $49,189,330 | 5,225 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 6,246 |
| Cost of funding earning assets | 0.6845% | 4,415 |
| Net interest margin | 3.1143% | 6,002 |
| Noninterest income to average assets | 0.2102% | 6,119 |
| Noninterest expense to average assets | 1.5636% | 7,008 |
| Loan and lease loss provision to assets | 0.2388% | 2,562 |
| Net operating income to assets | 1.1057% | 2,060 |
| Return on assets (ROA) | 1.2388% | 1,816 |
| Pretax return on assets | 1.6401% | 1,454 |
| Return on Equity (ROE) | 8.5502% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.5502% | 1,759 |
| Net charge-offs to loans | 0.3256% | 2,347 |
| Credit loss provision to net charge-offs | 192.3077% | 1,373 |
| Earnings coverage of net charge-offs (x) | 13.7179% | 1,519 |
| Efficiency ratio | 47.8558% | 6,817 |
| Assets per employee ($millions) | 6.2505% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 1,998 |
| Loan loss allowance to noncurrent loans | 50.7624% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6263% | 3,410 |
| Noncurrent loans to loans | 4.2270% | 1,425 |
| Net loans and leases to total assets | 37.6482% | 6,513 |
| Net loans and leases to deposits | 44.6858% | 6,519 |
| Net loans and leases to core deposits | 47.5851% | 6,480 |
| Total domestic deposits to total assets | 84.2509% | 4,377 |
| Equity capital to assets | 14.7164% | 798 |
| Core capital (leverage) ratio | 13.7789% | 860 |
| Tier 1 risk-based capital ratio | 27.7698% | 660 |
| Total risk-based capital ratio | 29.0253% | 645 |
| Memoranda: | ||
| Average total assets | $125,604,000 | 4,333 |
| Average earning assets | $123,303,000 | 4,124 |
| Average equity | $18,198,500 | 3,463 |
| Average total loans | $47,910,500 | 5,304 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 5,794 |
| Cost of funding earning assets | 0.8453% | 4,502 |
| Net interest margin | 3.4425% | 5,359 |
| Noninterest income to average assets | 0.2677% | 5,603 |
| Noninterest expense to average assets | 1.5612% | 7,136 |
| Loan and lease loss provision to assets | 0.4545% | 2,326 |
| Net operating income to assets | 1.1701% | 1,603 |
| Return on assets (ROA) | 1.1701% | 1,713 |
| Pretax return on assets | 1.6179% | 1,165 |
| Return on Equity (ROE) | 7.9609% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.4215% | 3,793 |
| Net charge-offs to loans | 1.9424% | 728 |
| Credit loss provision to net charge-offs | 56.0123% | 5,273 |
| Earnings coverage of net charge-offs (x) | 2.5540% | 3,936 |
| Efficiency ratio | 42.9653% | 7,151 |
| Assets per employee ($millions) | 6.6420% | 883 |
| Cash dividends to net income (ytd only)* | 57.0207% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 2,048 |
| Loan loss allowance to noncurrent loans | 50.3030% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.5690% | 3,593 |
| Noncurrent loans to loans | 4.1488% | 1,486 |
| Net loans and leases to total assets | 37.0283% | 6,702 |
| Net loans and leases to deposits | 43.6716% | 6,735 |
| Net loans and leases to core deposits | 46.1909% | 6,728 |
| Total domestic deposits to total assets | 84.7882% | 3,966 |
| Equity capital to assets | 14.2633% | 983 |
| Core capital (leverage) ratio | 13.6559% | 905 |
| Tier 1 risk-based capital ratio | 27.4458% | 667 |
| Total risk-based capital ratio | 28.7005% | 654 |
| Memoranda: | ||
| Average total assets | $119,905,200 | 4,404 |
| Average earning assets | $117,239,000 | 4,205 |
| Average equity | $17,623,600 | 3,487 |
| Average total loans | $50,093,800 | 5,263 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 5,654 |
| Cost of funding earning assets | 0.8824% | 4,531 |
| Net interest margin | 3.5033% | 5,176 |
| Noninterest income to average assets | 0.2761% | 5,645 |
| Noninterest expense to average assets | 1.5312% | 7,205 |
| Loan and lease loss provision to assets | 0.3099% | 3,049 |
| Net operating income to assets | 1.3938% | 1,168 |
| Return on assets (ROA) | 1.3938% | 1,247 |
| Pretax return on assets | 1.8569% | 847 |
| Return on Equity (ROE) | 9.4087% | 2,419 |
| Retained earnings to average equity (ytd only) | 6.3662% | 2,316 |
| Net charge-offs to loans | 1.6756% | 829 |
| Credit loss provision to net charge-offs | 43.1711% | 5,178 |
| Earnings coverage of net charge-offs (x) | 3.0189% | 3,625 |
| Efficiency ratio | 41.4077% | 7,226 |
| Assets per employee ($millions) | 6.6129% | 892 |
| Cash dividends to net income (ytd only)* | 32.3363% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0074% | 2,319 |
| Loan loss allowance to noncurrent loans | 74.4219% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.1988% | 4,400 |
| Noncurrent loans to loans | 2.6974% | 2,589 |
| Net loans and leases to total assets | 43.5522% | 6,374 |
| Net loans and leases to deposits | 52.1959% | 6,347 |
| Net loans and leases to core deposits | 55.6371% | 6,339 |
| Total domestic deposits to total assets | 83.4397% | 4,507 |
| Equity capital to assets | 15.3782% | 752 |
| Core capital (leverage) ratio | 14.4365% | 785 |
| Tier 1 risk-based capital ratio | 26.0951% | 826 |
| Total risk-based capital ratio | 27.3503% | 804 |
| Memoranda: | ||
| Average total assets | $118,332,000 | 4,476 |
| Average earning assets | $115,584,250 | 4,264 |
| Average equity | $17,529,500 | 3,507 |
| Average total loans | $50,686,000 | 5,283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 5,934 |
| Cost of funding earning assets | 0.8972% | 4,691 |
| Net interest margin | 3.4279% | 5,453 |
| Noninterest income to average assets | 0.2642% | 5,760 |
| Noninterest expense to average assets | 1.4717% | 7,324 |
| Loan and lease loss provision to assets | 0.3387% | 2,755 |
| Net operating income to assets | 1.3226% | 1,263 |
| Return on assets (ROA) | 1.3226% | 1,340 |
| Pretax return on assets | 1.8053% | 875 |
| Return on Equity (ROE) | 9.0441% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.0441% | 1,091 |
| Net charge-offs to loans | 2.4306% | 497 |
| Credit loss provision to net charge-offs | 32.9489% | 4,947 |
| Earnings coverage of net charge-offs (x) | 2.0857% | 3,812 |
| Efficiency ratio | 40.7026% | 7,325 |
| Assets per employee ($millions) | 6.3169% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 2,338 |
| Loan loss allowance to noncurrent loans | 66.1679% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2806% | 4,335 |
| Noncurrent loans to loans | 3.0395% | 2,384 |
| Net loans and leases to total assets | 41.2841% | 6,643 |
| Net loans and leases to deposits | 49.1519% | 6,659 |
| Net loans and leases to core deposits | 51.8740% | 6,675 |
| Total domestic deposits to total assets | 83.9929% | 4,354 |
| Equity capital to assets | 15.0081% | 824 |
| Core capital (leverage) ratio | 14.6707% | 732 |
| Tier 1 risk-based capital ratio | 26.8184% | 740 |
| Total risk-based capital ratio | 28.0737% | 723 |
| Memoranda: | ||
| Average total assets | $118,098,670 | 4,512 |
| Average earning assets | $115,464,670 | 4,292 |
| Average equity | $17,271,000 | 3,533 |
| Average total loans | $49,947,000 | 5,357 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 6,013 |
| Cost of funding earning assets | 0.9318% | 4,711 |
| Net interest margin | 3.3711% | 5,534 |
| Noninterest income to average assets | 0.3073% | 5,470 |
| Noninterest expense to average assets | 1.4957% | 7,363 |
| Loan and lease loss provision to assets | 0.4269% | 2,056 |
| Net operating income to assets | 1.1713% | 1,594 |
| Return on assets (ROA) | 1.1713% | 1,648 |
| Pretax return on assets | 1.6835% | 1,011 |
| Return on Equity (ROE) | 8.1183% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.1183% | 1,687 |
| Net charge-offs to loans | 4.7303% | 167 |
| Credit loss provision to net charge-offs | 21.2947% | 4,239 |
| Earnings coverage of net charge-offs (x) | 1.0528% | 3,872 |
| Efficiency ratio | 41.4773% | 7,362 |
| Assets per employee ($millions) | 6.4273% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 2,513 |
| Loan loss allowance to noncurrent loans | 46.2278% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 1.7987% | 3,573 |
| Noncurrent loans to loans | 4.2414% | 1,682 |
| Net loans and leases to total assets | 41.5776% | 6,662 |
| Net loans and leases to deposits | 49.1840% | 6,673 |
| Net loans and leases to core deposits | 53.0085% | 6,623 |
| Total domestic deposits to total assets | 84.5348% | 4,255 |
| Equity capital to assets | 14.8074% | 810 |
| Core capital (leverage) ratio | 14.3662% | 765 |
| Tier 1 risk-based capital ratio | 27.0469% | 702 |
| Total risk-based capital ratio | 28.3009% | 684 |
| Memoranda: | ||
| Average total assets | $117,137,000 | 4,557 |
| Average earning assets | $114,622,000 | 4,336 |
| Average equity | $16,900,000 | 3,576 |
| Average total loans | $49,637,000 | 5,410 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 5,583 |
| Cost of funding earning assets | 1.1326% | 4,952 |
| Net interest margin | 3.6267% | 4,689 |
| Noninterest income to average assets | 0.2774% | 5,793 |
| Noninterest expense to average assets | 1.6722% | 7,364 |
| Loan and lease loss provision to assets | 0.3063% | 4,353 |
| Net operating income to assets | 1.1157% | 1,658 |
| Return on assets (ROA) | 1.1157% | 1,740 |
| Pretax return on assets | 1.8323% | 716 |
| Return on Equity (ROE) | 7.5254% | 2,886 |
| Retained earnings to average equity (ytd only) | 2.8036% | 3,890 |
| Net charge-offs to loans | 0.7432% | 2,793 |
| Credit loss provision to net charge-offs | 89.9743% | 5,135 |
| Earnings coverage of net charge-offs (x) | 6.2828% | 2,393 |
| Efficiency ratio | 43.8806% | 7,425 |
| Assets per employee ($millions) | 6.2412% | 1,063 |
| Cash dividends to net income (ytd only)* | 62.7451% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8361% | 1,015 |
| Loan loss allowance to noncurrent loans | 83.3236% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.7549% | 3,674 |
| Noncurrent loans to loans | 3.4037% | 2,233 |
| Net loans and leases to total assets | 41.1412% | 6,890 |
| Net loans and leases to deposits | 48.1609% | 6,943 |
| Net loans and leases to core deposits | 53.1606% | 6,850 |
| Total domestic deposits to total assets | 85.4244% | 3,648 |
| Equity capital to assets | 14.0569% | 1,015 |
| Core capital (leverage) ratio | 13.9666% | 851 |
| Tier 1 risk-based capital ratio | 25.8703% | 768 |
| Total risk-based capital ratio | 27.1325% | 746 |
| Memoranda: | ||
| Average total assets | $114,281,800 | 4,605 |
| Average earning assets | $111,341,400 | 4,436 |
| Average equity | $16,942,600 | 3,601 |
| Average total loans | $52,343,200 | 5,392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 5,468 |
| Cost of funding earning assets | 1.1605% | 5,083 |
| Net interest margin | 3.6898% | 4,459 |
| Noninterest income to average assets | 0.2732% | 5,924 |
| Noninterest expense to average assets | 1.6171% | 7,493 |
| Loan and lease loss provision to assets | 0.2650% | 4,460 |
| Net operating income to assets | 1.2143% | 1,555 |
| Return on assets (ROA) | 1.2143% | 1,636 |
| Pretax return on assets | 1.9822% | 639 |
| Return on Equity (ROE) | 8.0808% | 2,866 |
| Retained earnings to average equity (ytd only) | 4.9457% | 3,029 |
| Net charge-offs to loans | 0.0832% | 5,698 |
| Credit loss provision to net charge-offs | 681.8182% | 431 |
| Earnings coverage of net charge-offs (x) | 57.8168% | 502 |
| Efficiency ratio | 41.8470% | 7,531 |
| Assets per employee ($millions) | 5.8702% | 1,324 |
| Cash dividends to net income (ytd only)* | 38.7973% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0666% | 778 |
| Loan loss allowance to noncurrent loans | 83.2076% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 2.1169% | 3,310 |
| Noncurrent loans to loans | 3.6854% | 2,116 |
| Net loans and leases to total assets | 46.9045% | 6,625 |
| Net loans and leases to deposits | 56.2202% | 6,604 |
| Net loans and leases to core deposits | 59.6756% | 6,633 |
| Total domestic deposits to total assets | 83.4300% | 4,406 |
| Equity capital to assets | 15.6070% | 746 |
| Core capital (leverage) ratio | 14.8484% | 742 |
| Tier 1 risk-based capital ratio | 24.8957% | 867 |
| Total risk-based capital ratio | 26.1619% | 851 |
| Memoranda: | ||
| Average total assets | $113,206,750 | 4,691 |
| Average earning assets | $110,175,000 | 4,526 |
| Average equity | $17,011,000 | 3,636 |
| Average total loans | $52,876,500 | 5,444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 5,713 |
| Cost of funding earning assets | 1.1452% | 5,437 |
| Net interest margin | 3.6770% | 4,466 |
| Noninterest income to average assets | 0.2619% | 6,041 |
| Noninterest expense to average assets | 1.6226% | 7,553 |
| Loan and lease loss provision to assets | 0.2637% | 4,291 |
| Net operating income to assets | 1.1849% | 1,597 |
| Return on assets (ROA) | 1.1849% | 1,670 |
| Pretax return on assets | 1.9655% | 650 |
| Return on Equity (ROE) | 7.9863% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.9863% | 1,444 |
| Net charge-offs to loans | 0.0952% | 5,192 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 50.7200% | 585 |
| Efficiency ratio | 42.1269% | 7,585 |
| Assets per employee ($millions) | 6.0111% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9142% | 902 |
| Loan loss allowance to noncurrent loans | 58.7278% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 2,981 |
| Noncurrent loans to loans | 4.9622% | 1,397 |
| Net loans and leases to total assets | 46.3217% | 6,760 |
| Net loans and leases to deposits | 55.1669% | 6,787 |
| Net loans and leases to core deposits | 58.7287% | 6,786 |
| Total domestic deposits to total assets | 83.9664% | 4,118 |
| Equity capital to assets | 15.1756% | 841 |
| Core capital (leverage) ratio | 14.6277% | 796 |
| Tier 1 risk-based capital ratio | 24.9786% | 844 |
| Total risk-based capital ratio | 26.2427% | 826 |
| Memoranda: | ||
| Average total assets | $113,764,670 | 4,712 |
| Average earning assets | $111,068,670 | 4,533 |
| Average equity | $16,879,000 | 3,653 |
| Average total loans | $52,512,330 | 5,490 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 6,118 |
| Cost of funding earning assets | 1.1387% | 5,714 |
| Net interest margin | 3.5998% | 4,729 |
| Noninterest income to average assets | 0.2537% | 6,123 |
| Noninterest expense to average assets | 1.6170% | 7,644 |
| Loan and lease loss provision to assets | 0.2642% | 3,915 |
| Net operating income to assets | 1.1097% | 1,800 |
| Return on assets (ROA) | 1.1097% | 1,882 |
| Pretax return on assets | 1.8918% | 743 |
| Return on Equity (ROE) | 7.5664% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.5664% | 1,895 |
| Net charge-offs to loans | 0.1941% | 3,750 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 24.4800% | 1,013 |
| Efficiency ratio | 42.8571% | 7,655 |
| Assets per employee ($millions) | 5.9693% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8955% | 905 |
| Loan loss allowance to noncurrent loans | 56.5185% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.4044% | 3,030 |
| Noncurrent loans to loans | 5.1232% | 1,405 |
| Net loans and leases to total assets | 44.7380% | 6,928 |
| Net loans and leases to deposits | 53.1298% | 6,973 |
| Net loans and leases to core deposits | 57.8748% | 6,887 |
| Total domestic deposits to total assets | 84.2051% | 4,046 |
| Equity capital to assets | 14.8833% | 911 |
| Core capital (leverage) ratio | 14.4077% | 877 |
| Tier 1 risk-based capital ratio | 25.5710% | 808 |
| Total risk-based capital ratio | 26.8356% | 786 |
| Memoranda: | ||
| Average total assets | $113,542,000 | 4,779 |
| Average earning assets | $111,005,000 | 4,581 |
| Average equity | $16,652,500 | 3,726 |
| Average total loans | $51,522,500 | 5,609 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 5,412 |
| Cost of funding earning assets | 1.3315% | 6,206 |
| Net interest margin | 3.9185% | 3,197 |
| Noninterest income to average assets | 0.2010% | 6,664 |
| Noninterest expense to average assets | 1.6700% | 7,721 |
| Loan and lease loss provision to assets | 0.2019% | 5,729 |
| Net operating income to assets | 1.3164% | 1,005 |
| Return on assets (ROA) | 1.3164% | 1,048 |
| Pretax return on assets | 2.1294% | 325 |
| Return on Equity (ROE) | 9.0995% | 1,993 |
| Retained earnings to average equity (ytd only) | 4.1373% | 2,321 |
| Net charge-offs to loans | 0.0385% | 6,733 |
| Credit loss provision to net charge-offs | 1,125.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 129.9000% | 220 |
| Efficiency ratio | 41.7358% | 7,831 |
| Assets per employee ($millions) | 5.9825% | 1,259 |
| Cash dividends to net income (ytd only)* | 54.5331% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8823% | 855 |
| Loan loss allowance to noncurrent loans | 94.3907% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 4,378 |
| Noncurrent loans to loans | 3.0536% | 2,519 |
| Net loans and leases to total assets | 43.3966% | 7,150 |
| Net loans and leases to deposits | 51.1595% | 7,195 |
| Net loans and leases to core deposits | 63.5024% | 7,120 |
| Total domestic deposits to total assets | 84.8260% | 3,632 |
| Equity capital to assets | 14.4500% | 1,038 |
| Core capital (leverage) ratio | 13.9814% | 985 |
| Tier 1 risk-based capital ratio | 25.6384% | 789 |
| Total risk-based capital ratio | 26.9024% | 780 |
| Memoranda: | ||
| Average total assets | $111,438,000 | 4,784 |
| Average earning assets | $108,075,800 | 4,626 |
| Average equity | $16,121,800 | 3,847 |
| Average total loans | $51,974,600 | 5,587 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 4,983 |
| Cost of funding earning assets | 1.3769% | 6,310 |
| Net interest margin | 4.0152% | 2,746 |
| Noninterest income to average assets | 0.2032% | 6,767 |
| Noninterest expense to average assets | 1.6726% | 7,782 |
| Loan and lease loss provision to assets | 0.1804% | 5,560 |
| Net operating income to assets | 1.4129% | 993 |
| Return on assets (ROA) | 1.4129% | 1,063 |
| Pretax return on assets | 2.2354% | 321 |
| Return on Equity (ROE) | 9.7634% | 2,009 |
| Retained earnings to average equity (ytd only) | 6.4397% | 1,742 |
| Net charge-offs to loans | 0.0510% | 6,199 |
| Credit loss provision to net charge-offs | 750.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 100.4349% | 359 |
| Efficiency ratio | 40.9118% | 7,908 |
| Assets per employee ($millions) | 5.8154% | 1,341 |
| Cash dividends to net income (ytd only)* | 34.0425% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5159% | 1,045 |
| Loan loss allowance to noncurrent loans | 137.2530% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 5,240 |
| Noncurrent loans to loans | 1.8330% | 3,866 |
| Net loans and leases to total assets | 48.7090% | 6,893 |
| Net loans and leases to deposits | 58.0482% | 6,962 |
| Net loans and leases to core deposits | 72.4819% | 6,816 |
| Total domestic deposits to total assets | 83.9112% | 3,761 |
| Equity capital to assets | 15.1449% | 961 |
| Core capital (leverage) ratio | 14.3853% | 987 |
| Tier 1 risk-based capital ratio | 23.6349% | 1,040 |
| Total risk-based capital ratio | 24.8952% | 1,014 |
| Memoranda: | ||
| Average total assets | $110,880,500 | 4,831 |
| Average earning assets | $107,288,250 | 4,670 |
| Average equity | $16,046,000 | 3,904 |
| Average total loans | $52,270,250 | 5,626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 5,656 |
| Cost of funding earning assets | 1.3932% | 6,505 |
| Net interest margin | 3.9073% | 3,084 |
| Noninterest income to average assets | 0.1982% | 6,872 |
| Noninterest expense to average assets | 1.6791% | 7,854 |
| Loan and lease loss provision to assets | 0.2702% | 4,420 |
| Net operating income to assets | 1.2413% | 1,380 |
| Return on assets (ROA) | 1.2413% | 1,458 |
| Pretax return on assets | 2.0737% | 464 |
| Return on Equity (ROE) | 8.7123% | 2,461 |
| Retained earnings to average equity (ytd only) | 8.7123% | 1,004 |
| Net charge-offs to loans | 0.0351% | 5,973 |
| Credit loss provision to net charge-offs | 1,666.6667% | 308 |
| Earnings coverage of net charge-offs (x) | 144.5556% | 280 |
| Efficiency ratio | 41.7376% | 7,983 |
| Assets per employee ($millions) | 5.7503% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6206% | 806 |
| Loan loss allowance to noncurrent loans | 133.2065% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9620% | 5,058 |
| Noncurrent loans to loans | 1.9673% | 3,566 |
| Net loans and leases to total assets | 47.6161% | 7,066 |
| Net loans and leases to deposits | 56.4247% | 7,134 |
| Net loans and leases to core deposits | 70.8673% | 6,977 |
| Total domestic deposits to total assets | 84.3888% | 3,563 |
| Equity capital to assets | 14.8918% | 1,059 |
| Core capital (leverage) ratio | 14.2162% | 1,090 |
| Tier 1 risk-based capital ratio | 24.1554% | 1,016 |
| Total risk-based capital ratio | 25.4155% | 999 |
| Memoranda: | ||
| Average total assets | $111,009,670 | 4,859 |
| Average earning assets | $108,667,330 | 4,667 |
| Average equity | $15,816,670 | 3,959 |
| Average total loans | $51,290,670 | 5,708 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 6,002 |
| Cost of funding earning assets | 1.4303% | 6,635 |
| Net interest margin | 3.8457% | 3,265 |
| Noninterest income to average assets | 0.1966% | 6,889 |
| Noninterest expense to average assets | 1.5551% | 7,939 |
| Loan and lease loss provision to assets | 0.2681% | 3,817 |
| Net operating income to assets | 1.3371% | 1,300 |
| Return on assets (ROA) | 1.3371% | 1,397 |
| Pretax return on assets | 2.1414% | 502 |
| Return on Equity (ROE) | 9.5959% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.5959% | 1,314 |
| Net charge-offs to loans | -0.0159% | 7,382 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2245% | 8,070 |
| Assets per employee ($millions) | 5.2608% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6512% | 651 |
| Loan loss allowance to noncurrent loans | 70.2419% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 3,338 |
| Noncurrent loans to loans | 3.7743% | 1,633 |
| Net loans and leases to total assets | 44.4051% | 7,308 |
| Net loans and leases to deposits | 52.2522% | 7,389 |
| Net loans and leases to core deposits | 65.2597% | 7,266 |
| Total domestic deposits to total assets | 84.9823% | 3,214 |
| Equity capital to assets | 14.3090% | 1,278 |
| Core capital (leverage) ratio | 14.0151% | 1,189 |
| Tier 1 risk-based capital ratio | 24.8320% | 996 |
| Total risk-based capital ratio | 26.0933% | 969 |
| Memoranda: | ||
| Average total assets | $111,887,000 | 4,859 |
| Average earning assets | $109,628,000 | 4,653 |
| Average equity | $15,590,000 | 4,023 |
| Average total loans | $50,224,500 | 5,790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 6,109 |
| Cost of funding earning assets | 2.0551% | 6,215 |
| Net interest margin | 3.8306% | 3,890 |
| Noninterest income to average assets | 0.2347% | 6,760 |
| Noninterest expense to average assets | 1.6910% | 7,877 |
| Loan and lease loss provision to assets | 0.2357% | 4,540 |
| Net operating income to assets | 1.2556% | 1,618 |
| Return on assets (ROA) | 1.2556% | 1,560 |
| Pretax return on assets | 2.0012% | 600 |
| Return on Equity (ROE) | 8.7506% | 2,731 |
| Retained earnings to average equity (ytd only) | 3.4950% | 2,965 |
| Net charge-offs to loans | 0.1204% | 5,044 |
| Credit loss provision to net charge-offs | 431.0345% | 1,015 |
| Earnings coverage of net charge-offs (x) | 40.9138% | 904 |
| Efficiency ratio | 43.0526% | 8,038 |
| Assets per employee ($millions) | 5.6649% | 1,345 |
| Cash dividends to net income (ytd only)* | 60.0601% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5152% | 665 |
| Loan loss allowance to noncurrent loans | 162.8719% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 5,178 |
| Noncurrent loans to loans | 1.5443% | 3,479 |
| Net loans and leases to total assets | 43.0696% | 7,528 |
| Net loans and leases to deposits | 50.1480% | 7,624 |
| Net loans and leases to core deposits | 62.9964% | 7,474 |
| Total domestic deposits to total assets | 85.8850% | 2,458 |
| Equity capital to assets | 13.5678% | 1,579 |
| Core capital (leverage) ratio | 13.7888% | 1,312 |
| Tier 1 risk-based capital ratio | 23.8655% | 1,102 |
| Total risk-based capital ratio | 25.1244% | 1,077 |
| Memoranda: | ||
| Average total assets | $106,088,000 | 4,876 |
| Average earning assets | $102,281,200 | 4,739 |
| Average equity | $15,221,800 | 4,093 |
| Average total loans | $48,152,800 | 5,780 |