Home > Union Savings and Loan Association > Performance and Condition Ratios
Union Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 2,162 |
| Cost of funding earning assets | 1.5167% | 1,902 |
| Net interest margin | 3.4390% | 2,324 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.4016% | 655 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.2644% | 4,076 |
| Return on assets (ROA) | 0.2644% | 4,085 |
| Pretax return on assets | 0.3458% | 4,042 |
| Return on Equity (ROE) | 3.0900% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.0932% | 3,247 |
| Net charge-offs to loans | 0.0048% | 2,542 |
| Credit loss provision to net charge-offs | 1,944.4444% | 232 |
| Earnings coverage of net charge-offs (x) | 108.6667% | 866 |
| Efficiency ratio | 88.9840% | 449 |
| Assets per employee ($millions) | 4.4725% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,565 |
| Loan loss allowance to noncurrent loans | 111.9926% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 761 |
| Noncurrent loans to loans | 0.8393% | 916 |
| Net loans and leases to total assets | 80.9600% | 540 |
| Net loans and leases to deposits | 89.9006% | 1,273 |
| Net loans and leases to core deposits | 98.0689% | 1,541 |
| Total domestic deposits to total assets | 90.0600% | 740 |
| Equity capital to assets | 8.7440% | 2,867 |
| Core capital (leverage) ratio | 9.1764% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $232,244,000 | 2,777 |
| Average earning assets | $217,241,600 | 2,759 |
| Average equity | $19,850,000 | 2,870 |
| Average total loans | $185,712,000 | 2,388 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 2,251 |
| Cost of funding earning assets | 1.3700% | 1,949 |
| Net interest margin | 3.4351% | 2,379 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.5819% | 507 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.1373% | 4,288 |
| Return on assets (ROA) | 0.1373% | 4,304 |
| Pretax return on assets | 0.1749% | 4,282 |
| Return on Equity (ROE) | 1.6200% | 4,243 |
| Retained earnings to average equity (ytd only) | 1.6165% | 3,816 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.4789% | 279 |
| Assets per employee ($millions) | 4.3794% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,638 |
| Loan loss allowance to noncurrent loans | 168.5552% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 1,303 |
| Noncurrent loans to loans | 0.5504% | 1,448 |
| Net loans and leases to total assets | 80.6000% | 580 |
| Net loans and leases to deposits | 90.7917% | 1,166 |
| Net loans and leases to core deposits | 98.2916% | 1,428 |
| Total domestic deposits to total assets | 88.7700% | 1,326 |
| Equity capital to assets | 8.4736% | 2,745 |
| Core capital (leverage) ratio | 9.1051% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $231,044,500 | 2,800 |
| Average earning assets | $215,959,500 | 2,779 |
| Average equity | $19,630,750 | 2,876 |
| Average total loans | $183,707,250 | 2,412 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 2,343 |
| Cost of funding earning assets | 1.2002% | 1,993 |
| Net interest margin | 3.4332% | 2,437 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 3.9620% | 350 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | -0.1579% | 4,526 |
| Return on assets (ROA) | -0.1579% | 4,509 |
| Pretax return on assets | -0.2216% | 4,517 |
| Return on Equity (ROE) | -1.8600% | 4,493 |
| Retained earnings to average equity (ytd only) | -1.8569% | 4,282 |
| Net charge-offs to loans | -0.0055% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 103.8655% | 126 |
| Assets per employee ($millions) | 4.3785% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 3,653 |
| Loan loss allowance to noncurrent loans | 204.3326% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 1,450 |
| Noncurrent loans to loans | 0.4609% | 1,560 |
| Net loans and leases to total assets | 79.0900% | 728 |
| Net loans and leases to deposits | 89.0881% | 1,253 |
| Net loans and leases to core deposits | 96.2762% | 1,453 |
| Total domestic deposits to total assets | 88.7800% | 1,324 |
| Equity capital to assets | 8.4462% | 2,904 |
| Core capital (leverage) ratio | 9.0301% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $229,230,000 | 2,814 |
| Average earning assets | $213,969,667 | 2,799 |
| Average equity | $19,494,667 | 2,907 |
| Average total loans | $180,811,333 | 2,432 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 2,459 |
| Cost of funding earning assets | 0.9556% | 2,199 |
| Net interest margin | 3.4763% | 2,431 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.8988% | 1,236 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6374% | 3,615 |
| Return on assets (ROA) | 0.6374% | 3,572 |
| Pretax return on assets | 0.8463% | 3,356 |
| Return on Equity (ROE) | 7.4700% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.4684% | 2,369 |
| Net charge-offs to loans | 0.0403% | 960 |
| Credit loss provision to net charge-offs | 222.2222% | 785 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,322 |
| Efficiency ratio | 75.9779% | 1,168 |
| Assets per employee ($millions) | 4.3790% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 3,776 |
| Loan loss allowance to noncurrent loans | 180.1289% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 1,263 |
| Noncurrent loans to loans | 0.5159% | 1,436 |
| Net loans and leases to total assets | 78.5100% | 711 |
| Net loans and leases to deposits | 89.8369% | 1,063 |
| Net loans and leases to core deposits | 95.7410% | 1,298 |
| Total domestic deposits to total assets | 87.3900% | 2,138 |
| Equity capital to assets | 8.6567% | 2,776 |
| Core capital (leverage) ratio | 9.3814% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $227,816,000 | 2,850 |
| Average earning assets | $212,639,500 | 2,841 |
| Average equity | $19,442,000 | 2,939 |
| Average total loans | $178,573,500 | 2,470 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 2,280 |
| Cost of funding earning assets | 0.4608% | 1,644 |
| Net interest margin | 3.3383% | 2,460 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.8822% | 1,152 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.6718% | 3,703 |
| Return on assets (ROA) | 0.6718% | 3,652 |
| Pretax return on assets | 0.8916% | 3,383 |
| Return on Equity (ROE) | 7.7400% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.7364% | 1,944 |
| Net charge-offs to loans | 0.1042% | 716 |
| Credit loss provision to net charge-offs | 41.9162% | 1,850 |
| Earnings coverage of net charge-offs (x) | 12.0060% | 2,128 |
| Efficiency ratio | 75.7264% | 1,043 |
| Assets per employee ($millions) | 4.5585% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 3,639 |
| Loan loss allowance to noncurrent loans | 183.8889% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,292 |
| Noncurrent loans to loans | 0.5094% | 1,429 |
| Net loans and leases to total assets | 76.8000% | 919 |
| Net loans and leases to deposits | 88.9492% | 1,120 |
| Net loans and leases to core deposits | 94.1763% | 1,288 |
| Total domestic deposits to total assets | 86.3400% | 2,626 |
| Equity capital to assets | 8.4116% | 2,766 |
| Core capital (leverage) ratio | 9.2507% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,018,400 | 2,929 |
| Average earning assets | $203,545,200 | 2,908 |
| Average equity | $18,846,000 | 3,049 |
| Average total loans | $160,260,200 | 2,535 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 2,233 |
| Cost of funding earning assets | 0.3953% | 1,323 |
| Net interest margin | 3.2426% | 2,483 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.8838% | 1,089 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6197% | 3,786 |
| Return on assets (ROA) | 0.6197% | 3,742 |
| Pretax return on assets | 0.8213% | 3,524 |
| Return on Equity (ROE) | 7.0800% | 3,575 |
| Retained earnings to average equity (ytd only) | 7.0770% | 2,337 |
| Net charge-offs to loans | 0.1050% | 589 |
| Credit loss provision to net charge-offs | 36.5854% | 1,579 |
| Earnings coverage of net charge-offs (x) | 11.0976% | 1,961 |
| Efficiency ratio | 77.2500% | 974 |
| Assets per employee ($millions) | 4.4234% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,531 |
| Loan loss allowance to noncurrent loans | 119.8282% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 838 |
| Noncurrent loans to loans | 0.8264% | 957 |
| Net loans and leases to total assets | 75.6700% | 940 |
| Net loans and leases to deposits | 83.5522% | 1,335 |
| Net loans and leases to core deposits | 87.7746% | 1,425 |
| Total domestic deposits to total assets | 90.5700% | 1,415 |
| Equity capital to assets | 8.4108% | 2,600 |
| Core capital (leverage) ratio | 9.3312% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $214,292,250 | 2,974 |
| Average earning assets | $201,354,250 | 2,942 |
| Average equity | $18,764,500 | 3,090 |
| Average total loans | $156,152,500 | 2,579 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 2,175 |
| Cost of funding earning assets | 0.3848% | 1,022 |
| Net interest margin | 3.1034% | 2,525 |
| Noninterest income to average assets | 0.6450% | 1,565 |
| Noninterest expense to average assets | 2.8820% | 1,023 |
| Loan and lease loss provision to assets | 0.0283% | 2,078 |
| Net operating income to assets | 0.4995% | 3,892 |
| Return on assets (ROA) | 0.4995% | 3,846 |
| Pretax return on assets | 0.6591% | 3,688 |
| Return on Equity (ROE) | 5.6843% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.6843% | 2,443 |
| Net charge-offs to loans | 0.1185% | 517 |
| Credit loss provision to net charge-offs | 33.3333% | 1,555 |
| Earnings coverage of net charge-offs (x) | 8.0889% | 1,834 |
| Efficiency ratio | 80.7407% | 892 |
| Assets per employee ($millions) | 4.2816% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,294 |
| Loan loss allowance to noncurrent loans | 220.8877% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 1,565 |
| Noncurrent loans to loans | 0.4827% | 1,666 |
| Net loans and leases to total assets | 73.3366% | 969 |
| Net loans and leases to deposits | 80.3713% | 1,357 |
| Net loans and leases to core deposits | 84.3854% | 1,430 |
| Total domestic deposits to total assets | 91.2472% | 1,132 |
| Equity capital to assets | 8.2950% | 2,911 |
| Core capital (leverage) ratio | 9.3119% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,794,333 | 3,017 |
| Average earning assets | $199,586,667 | 2,997 |
| Average equity | $18,612,667 | 3,177 |
| Average total loans | $151,856,667 | 2,623 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3990% | 2,087 |
| Cost of funding earning assets | 0.3992% | 877 |
| Net interest margin | 2.9999% | 2,504 |
| Noninterest income to average assets | 0.6209% | 1,603 |
| Noninterest expense to average assets | 2.8578% | 1,044 |
| Loan and lease loss provision to assets | 0.0285% | 1,854 |
| Net operating income to assets | 0.4253% | 3,902 |
| Return on assets (ROA) | 0.4253% | 3,866 |
| Pretax return on assets | 0.5602% | 3,729 |
| Return on Equity (ROE) | 4.7059% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.7059% | 2,705 |
| Net charge-offs to loans | 0.1482% | 392 |
| Credit loss provision to net charge-offs | 27.2727% | 1,267 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 1,595 |
| Efficiency ratio | 82.9201% | 920 |
| Assets per employee ($millions) | 4.1043% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,126 |
| Loan loss allowance to noncurrent loans | 221.1886% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 1,389 |
| Noncurrent loans to loans | 0.5177% | 1,730 |
| Net loans and leases to total assets | 69.2565% | 1,087 |
| Net loans and leases to deposits | 76.2597% | 1,423 |
| Net loans and leases to core deposits | 80.0928% | 1,473 |
| Total domestic deposits to total assets | 90.8167% | 1,131 |
| Equity capital to assets | 8.7761% | 2,907 |
| Core capital (leverage) ratio | 9.5958% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,651,500 | 3,036 |
| Average earning assets | $198,409,000 | 3,015 |
| Average equity | $19,040,000 | 3,233 |
| Average total loans | $148,439,500 | 2,649 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 2,557 |
| Cost of funding earning assets | 0.5586% | 674 |
| Net interest margin | 2.9760% | 3,257 |
| Noninterest income to average assets | 1.2376% | 692 |
| Noninterest expense to average assets | 3.1978% | 731 |
| Loan and lease loss provision to assets | 0.0682% | 1,707 |
| Net operating income to assets | 0.5822% | 3,916 |
| Return on assets (ROA) | 0.5822% | 3,956 |
| Pretax return on assets | 0.7721% | 3,782 |
| Return on Equity (ROE) | 6.1005% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.1005% | 2,317 |
| Net charge-offs to loans | 0.0069% | 2,322 |
| Credit loss provision to net charge-offs | 1,350.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 166.4000% | 613 |
| Efficiency ratio | 79.1922% | 861 |
| Assets per employee ($millions) | 3.9223% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,933 |
| Loan loss allowance to noncurrent loans | 189.8158% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 1,482 |
| Noncurrent loans to loans | 0.6264% | 1,583 |
| Net loans and leases to total assets | 70.0431% | 1,042 |
| Net loans and leases to deposits | 77.5896% | 1,433 |
| Net loans and leases to core deposits | 81.4562% | 1,492 |
| Total domestic deposits to total assets | 90.2738% | 827 |
| Equity capital to assets | 9.3082% | 3,315 |
| Core capital (leverage) ratio | 9.3902% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,043,800 | 3,081 |
| Average earning assets | $186,356,000 | 3,053 |
| Average equity | $18,900,200 | 3,310 |
| Average total loans | $145,254,200 | 2,675 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 2,665 |
| Cost of funding earning assets | 0.5951% | 653 |
| Net interest margin | 2.9649% | 3,403 |
| Noninterest income to average assets | 1.3539% | 648 |
| Noninterest expense to average assets | 3.2776% | 617 |
| Loan and lease loss provision to assets | 0.0818% | 1,447 |
| Net operating income to assets | 0.5829% | 4,035 |
| Return on assets (ROA) | 0.5829% | 4,081 |
| Pretax return on assets | 0.7826% | 3,922 |
| Return on Equity (ROE) | 6.0676% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,788 |
| Net charge-offs to loans | -0.0018% | 3,200 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1310% | 804 |
| Assets per employee ($millions) | 3.8178% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 3,019 |
| Loan loss allowance to noncurrent loans | 198.7500% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,625 |
| Noncurrent loans to loans | 0.6005% | 1,804 |
| Net loans and leases to total assets | 70.2335% | 1,063 |
| Net loans and leases to deposits | 77.9934% | 1,486 |
| Net loans and leases to core deposits | 82.8848% | 1,504 |
| Total domestic deposits to total assets | 90.0505% | 755 |
| Equity capital to assets | 9.3330% | 3,524 |
| Core capital (leverage) ratio | 9.4232% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,584,250 | 3,137 |
| Average earning assets | $183,927,750 | 3,105 |
| Average equity | $18,787,750 | 3,362 |
| Average total loans | $144,728,000 | 2,718 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 2,677 |
| Cost of funding earning assets | 0.6325% | 628 |
| Net interest margin | 2.9500% | 3,447 |
| Noninterest income to average assets | 1.5516% | 516 |
| Noninterest expense to average assets | 3.4625% | 493 |
| Loan and lease loss provision to assets | 0.0989% | 1,280 |
| Net operating income to assets | 0.5686% | 4,051 |
| Return on assets (ROA) | 0.5686% | 4,102 |
| Pretax return on assets | 0.7633% | 3,936 |
| Return on Equity (ROE) | 5.8594% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.8594% | 2,861 |
| Net charge-offs to loans | -0.0097% | 3,657 |
| Credit loss provision to net charge-offs | -1,357.1429% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0626% | 775 |
| Assets per employee ($millions) | 3.4858% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,967 |
| Loan loss allowance to noncurrent loans | 154.9283% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 1,222 |
| Noncurrent loans to loans | 0.7709% | 1,561 |
| Net loans and leases to total assets | 71.9878% | 968 |
| Net loans and leases to deposits | 80.3901% | 1,395 |
| Net loans and leases to core deposits | 85.4638% | 1,458 |
| Total domestic deposits to total assets | 89.5481% | 1,003 |
| Equity capital to assets | 9.5283% | 3,310 |
| Core capital (leverage) ratio | 9.4411% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,058,667 | 3,161 |
| Average earning assets | $180,542,000 | 3,131 |
| Average equity | $18,636,667 | 3,370 |
| Average total loans | $144,123,000 | 2,740 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 2,508 |
| Cost of funding earning assets | 0.6898% | 570 |
| Net interest margin | 2.9554% | 3,368 |
| Noninterest income to average assets | 1.3140% | 744 |
| Noninterest expense to average assets | 3.1302% | 802 |
| Loan and lease loss provision to assets | 0.0996% | 1,355 |
| Net operating income to assets | 0.6421% | 3,829 |
| Return on assets (ROA) | 0.6421% | 3,898 |
| Pretax return on assets | 0.8626% | 3,687 |
| Return on Equity (ROE) | 6.5552% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.5552% | 2,708 |
| Net charge-offs to loans | 0.0056% | 1,704 |
| Credit loss provision to net charge-offs | 2,350.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 367 |
| Efficiency ratio | 76.4889% | 1,090 |
| Assets per employee ($millions) | 3.7801% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 3,094 |
| Loan loss allowance to noncurrent loans | 193.0716% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 1,917 |
| Noncurrent loans to loans | 0.6062% | 2,050 |
| Net loans and leases to total assets | 71.8222% | 1,050 |
| Net loans and leases to deposits | 79.6383% | 1,553 |
| Net loans and leases to core deposits | 85.4201% | 1,560 |
| Total domestic deposits to total assets | 90.1855% | 729 |
| Equity capital to assets | 9.4609% | 3,237 |
| Core capital (leverage) ratio | 9.7515% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,742,000 | 3,178 |
| Average earning assets | $177,435,000 | 3,145 |
| Average equity | $18,489,000 | 3,378 |
| Average total loans | $143,803,000 | 2,748 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 1,708 |
| Cost of funding earning assets | 1.0082% | 577 |
| Net interest margin | 3.3456% | 2,939 |
| Noninterest income to average assets | 1.0721% | 928 |
| Noninterest expense to average assets | 3.2571% | 959 |
| Loan and lease loss provision to assets | 0.1261% | 2,781 |
| Net operating income to assets | 0.6324% | 3,643 |
| Return on assets (ROA) | 0.6324% | 3,773 |
| Pretax return on assets | 0.8491% | 3,505 |
| Return on Equity (ROE) | 6.1920% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.1920% | 1,714 |
| Net charge-offs to loans | 0.0460% | 2,144 |
| Credit loss provision to net charge-offs | 328.3582% | 1,646 |
| Earnings coverage of net charge-offs (x) | 25.3881% | 1,744 |
| Efficiency ratio | 76.9575% | 1,126 |
| Assets per employee ($millions) | 3.4792% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,338 |
| Loan loss allowance to noncurrent loans | 116.9662% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 1,245 |
| Noncurrent loans to loans | 0.9609% | 1,473 |
| Net loans and leases to total assets | 79.1126% | 493 |
| Net loans and leases to deposits | 88.3922% | 1,049 |
| Net loans and leases to core deposits | 96.1843% | 1,109 |
| Total domestic deposits to total assets | 89.5019% | 768 |
| Equity capital to assets | 10.1599% | 2,974 |
| Core capital (leverage) ratio | 10.2250% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,421,400 | 3,155 |
| Average earning assets | $164,753,200 | 3,122 |
| Average equity | $17,813,400 | 3,387 |
| Average total loans | $145,645,000 | 2,700 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,629 |
| Cost of funding earning assets | 1.0658% | 611 |
| Net interest margin | 3.4131% | 2,881 |
| Noninterest income to average assets | 0.9437% | 1,131 |
| Noninterest expense to average assets | 3.2469% | 985 |
| Loan and lease loss provision to assets | 0.1140% | 2,896 |
| Net operating income to assets | 0.6011% | 3,762 |
| Return on assets (ROA) | 0.6011% | 3,862 |
| Pretax return on assets | 0.8071% | 3,626 |
| Return on Equity (ROE) | 5.8775% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.8775% | 2,155 |
| Net charge-offs to loans | 0.0439% | 2,000 |
| Credit loss provision to net charge-offs | 308.3333% | 1,734 |
| Earnings coverage of net charge-offs (x) | 24.8750% | 1,743 |
| Efficiency ratio | 77.8971% | 1,046 |
| Assets per employee ($millions) | 3.5284% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,269 |
| Loan loss allowance to noncurrent loans | 115.7353% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 1,398 |
| Noncurrent loans to loans | 0.9399% | 1,599 |
| Net loans and leases to total assets | 81.1224% | 511 |
| Net loans and leases to deposits | 90.8391% | 1,176 |
| Net loans and leases to core deposits | 99.6623% | 1,180 |
| Total domestic deposits to total assets | 89.3034% | 647 |
| Equity capital to assets | 10.2369% | 3,024 |
| Core capital (leverage) ratio | 10.1844% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,797,250 | 3,155 |
| Average earning assets | $163,251,000 | 3,122 |
| Average equity | $17,671,500 | 3,400 |
| Average total loans | $145,867,250 | 2,702 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 1,614 |
| Cost of funding earning assets | 1.1134% | 687 |
| Net interest margin | 3.5004% | 2,783 |
| Noninterest income to average assets | 0.8380% | 1,323 |
| Noninterest expense to average assets | 3.2589% | 1,062 |
| Loan and lease loss provision to assets | 0.0932% | 3,106 |
| Net operating income to assets | 0.5921% | 3,769 |
| Return on assets (ROA) | 0.5921% | 3,847 |
| Pretax return on assets | 0.7949% | 3,603 |
| Return on Equity (ROE) | 5.7918% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.7918% | 2,160 |
| Net charge-offs to loans | 0.0725% | 1,526 |
| Credit loss provision to net charge-offs | 150.9434% | 2,119 |
| Earnings coverage of net charge-offs (x) | 14.3774% | 1,947 |
| Efficiency ratio | 78.5835% | 998 |
| Assets per employee ($millions) | 3.5317% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,402 |
| Loan loss allowance to noncurrent loans | 113.8847% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 1,556 |
| Noncurrent loans to loans | 0.9061% | 1,694 |
| Net loans and leases to total assets | 81.5241% | 454 |
| Net loans and leases to deposits | 91.6021% | 1,203 |
| Net loans and leases to core deposits | 100.4255% | 1,226 |
| Total domestic deposits to total assets | 88.9981% | 743 |
| Equity capital to assets | 10.0749% | 3,135 |
| Core capital (leverage) ratio | 10.1898% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,589,333 | 3,147 |
| Average earning assets | $162,212,000 | 3,115 |
| Average equity | $17,542,000 | 3,412 |
| Average total loans | $146,259,333 | 2,690 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8203% | 1,374 |
| Cost of funding earning assets | 1.1526% | 899 |
| Net interest margin | 3.6677% | 2,442 |
| Noninterest income to average assets | 0.7925% | 1,334 |
| Noninterest expense to average assets | 3.3402% | 1,155 |
| Loan and lease loss provision to assets | 0.0710% | 2,851 |
| Net operating income to assets | 0.6340% | 3,501 |
| Return on assets (ROA) | 0.6340% | 3,560 |
| Pretax return on assets | 0.8516% | 3,278 |
| Return on Equity (ROE) | 6.1547% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.1547% | 1,817 |
| Net charge-offs to loans | 0.0273% | 1,832 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,041 |
| Efficiency ratio | 78.3574% | 1,299 |
| Assets per employee ($millions) | 3.4033% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,591 |
| Loan loss allowance to noncurrent loans | 113.8720% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 1,754 |
| Noncurrent loans to loans | 0.8964% | 1,819 |
| Net loans and leases to total assets | 85.1380% | 192 |
| Net loans and leases to deposits | 95.9387% | 918 |
| Net loans and leases to core deposits | 105.5494% | 1,087 |
| Total domestic deposits to total assets | 88.7422% | 790 |
| Equity capital to assets | 10.3146% | 3,506 |
| Core capital (leverage) ratio | 10.4779% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,090,500 | 3,146 |
| Average earning assets | $159,991,500 | 3,110 |
| Average equity | $17,417,500 | 3,430 |
| Average total loans | $146,658,000 | 2,664 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,818 |
| Cost of funding earning assets | 1.1238% | 1,243 |
| Net interest margin | 3.7532% | 2,654 |
| Noninterest income to average assets | 0.8418% | 1,323 |
| Noninterest expense to average assets | 3.2159% | 1,485 |
| Loan and lease loss provision to assets | 0.1042% | 1,982 |
| Net operating income to assets | 0.8259% | 3,470 |
| Return on assets (ROA) | 0.8259% | 3,564 |
| Pretax return on assets | 1.1092% | 3,139 |
| Return on Equity (ROE) | 8.1144% | 3,120 |
| Retained earnings to average equity (ytd only) | 8.1144% | 944 |
| Net charge-offs to loans | 0.0566% | 2,292 |
| Credit loss provision to net charge-offs | 207.3171% | 1,281 |
| Earnings coverage of net charge-offs (x) | 24.1341% | 1,788 |
| Efficiency ratio | 72.6052% | 1,783 |
| Assets per employee ($millions) | 3.4289% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,488 |
| Loan loss allowance to noncurrent loans | 127.3984% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 1,879 |
| Noncurrent loans to loans | 0.7874% | 1,932 |
| Net loans and leases to total assets | 86.5827% | 138 |
| Net loans and leases to deposits | 97.6309% | 789 |
| Net loans and leases to core deposits | 108.6342% | 932 |
| Total domestic deposits to total assets | 88.6837% | 804 |
| Equity capital to assets | 10.2866% | 3,636 |
| Core capital (leverage) ratio | 10.3398% | 3,150 |
| Tier 1 risk-based capital ratio | 14.3438% | 3,094 |
| Total risk-based capital ratio | 15.5671% | 3,022 |
| Memoranda: | ||
| Average total assets | $163,097,600 | 3,177 |
| Average earning assets | $155,894,200 | 3,124 |
| Average equity | $16,600,200 | 3,482 |
| Average total loans | $144,771,600 | 2,665 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 1,887 |
| Cost of funding earning assets | 1.1023% | 1,342 |
| Net interest margin | 3.7740% | 2,669 |
| Noninterest income to average assets | 0.8468% | 1,287 |
| Noninterest expense to average assets | 3.2149% | 1,439 |
| Loan and lease loss provision to assets | 0.1153% | 1,689 |
| Net operating income to assets | 0.8410% | 3,544 |
| Return on assets (ROA) | 0.8410% | 3,628 |
| Pretax return on assets | 1.1293% | 3,207 |
| Return on Equity (ROE) | 8.2857% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.2857% | 1,290 |
| Net charge-offs to loans | 0.0555% | 2,039 |
| Credit loss provision to net charge-offs | 233.3333% | 1,154 |
| Earnings coverage of net charge-offs (x) | 25.1828% | 1,772 |
| Efficiency ratio | 72.0909% | 1,825 |
| Assets per employee ($millions) | 3.6558% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,557 |
| Loan loss allowance to noncurrent loans | 547.0149% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 3,928 |
| Noncurrent loans to loans | 0.1832% | 3,878 |
| Net loans and leases to total assets | 88.0293% | 94 |
| Net loans and leases to deposits | 100.4133% | 600 |
| Net loans and leases to core deposits | 111.8425% | 852 |
| Total domestic deposits to total assets | 87.6670% | 1,181 |
| Equity capital to assets | 10.3076% | 3,715 |
| Core capital (leverage) ratio | 10.5412% | 3,071 |
| Tier 1 risk-based capital ratio | 14.1202% | 3,271 |
| Total risk-based capital ratio | 15.3410% | 3,193 |
| Memoranda: | ||
| Average total assets | $161,868,250 | 3,220 |
| Average earning assets | $154,949,750 | 3,171 |
| Average equity | $16,429,500 | 3,525 |
| Average total loans | $144,228,000 | 2,702 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 1,901 |
| Cost of funding earning assets | 1.0806% | 1,375 |
| Net interest margin | 3.7723% | 2,682 |
| Noninterest income to average assets | 0.8112% | 1,312 |
| Noninterest expense to average assets | 3.2152% | 1,477 |
| Loan and lease loss provision to assets | 0.1367% | 1,355 |
| Net operating income to assets | 0.7988% | 3,659 |
| Return on assets (ROA) | 0.7988% | 3,720 |
| Pretax return on assets | 1.0721% | 3,317 |
| Return on Equity (ROE) | 7.9121% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.9121% | 1,431 |
| Net charge-offs to loans | 0.0502% | 1,930 |
| Credit loss provision to net charge-offs | 305.5556% | 888 |
| Earnings coverage of net charge-offs (x) | 27.0278% | 1,555 |
| Efficiency ratio | 72.6762% | 1,816 |
| Assets per employee ($millions) | 3.6225% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,566 |
| Loan loss allowance to noncurrent loans | 88.4848% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 1,334 |
| Noncurrent loans to loans | 1.1409% | 1,424 |
| Net loans and leases to total assets | 89.8192% | 57 |
| Net loans and leases to deposits | 103.2997% | 456 |
| Net loans and leases to core deposits | 112.9127% | 826 |
| Total domestic deposits to total assets | 86.9502% | 1,617 |
| Equity capital to assets | 10.4016% | 3,602 |
| Core capital (leverage) ratio | 10.4985% | 3,089 |
| Tier 1 risk-based capital ratio | 13.8711% | 3,386 |
| Total risk-based capital ratio | 15.0926% | 3,302 |
| Memoranda: | ||
| Average total assets | $160,987,670 | 3,250 |
| Average earning assets | $154,174,670 | 3,190 |
| Average equity | $16,253,670 | 3,542 |
| Average total loans | $143,543,000 | 2,723 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 1,890 |
| Cost of funding earning assets | 1.0555% | 1,355 |
| Net interest margin | 3.7473% | 2,719 |
| Noninterest income to average assets | 0.8085% | 1,279 |
| Noninterest expense to average assets | 3.1968% | 1,496 |
| Loan and lease loss provision to assets | 0.1731% | 968 |
| Net operating income to assets | 0.7664% | 3,723 |
| Return on assets (ROA) | 0.7664% | 3,769 |
| Pretax return on assets | 1.0285% | 3,355 |
| Return on Equity (ROE) | 7.7062% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.7062% | 1,768 |
| Net charge-offs to loans | 0.0867% | 1,235 |
| Credit loss provision to net charge-offs | 225.8065% | 975 |
| Earnings coverage of net charge-offs (x) | 15.6774% | 1,731 |
| Efficiency ratio | 72.6813% | 1,932 |
| Assets per employee ($millions) | 3.5728% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,692 |
| Loan loss allowance to noncurrent loans | 87.5845% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 1,375 |
| Noncurrent loans to loans | 1.1447% | 1,458 |
| Net loans and leases to total assets | 87.5223% | 119 |
| Net loans and leases to deposits | 102.0858% | 494 |
| Net loans and leases to core deposits | 111.6131% | 854 |
| Total domestic deposits to total assets | 85.7341% | 2,392 |
| Equity capital to assets | 10.1048% | 3,721 |
| Core capital (leverage) ratio | 10.1819% | 3,409 |
| Tier 1 risk-based capital ratio | 13.4780% | 3,615 |
| Total risk-based capital ratio | 14.6602% | 3,566 |
| Memoranda: | ||
| Average total assets | $161,787,000 | 3,277 |
| Average earning assets | $154,992,000 | 3,214 |
| Average equity | $16,091,000 | 3,570 |
| Average total loans | $143,003,500 | 2,766 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 2,239 |
| Cost of funding earning assets | 0.8707% | 1,219 |
| Net interest margin | 3.6966% | 3,043 |
| Noninterest income to average assets | 0.8702% | 1,262 |
| Noninterest expense to average assets | 3.2316% | 1,473 |
| Loan and lease loss provision to assets | 0.1100% | 1,999 |
| Net operating income to assets | 0.8016% | 3,799 |
| Return on assets (ROA) | 0.8016% | 3,800 |
| Pretax return on assets | 1.0720% | 3,367 |
| Return on Equity (ROE) | 8.0973% | 3,390 |
| Retained earnings to average equity (ytd only) | 8.0973% | 1,188 |
| Net charge-offs to loans | 0.1212% | 1,524 |
| Credit loss provision to net charge-offs | 103.0303% | 2,456 |
| Earnings coverage of net charge-offs (x) | 11.0727% | 2,660 |
| Efficiency ratio | 73.2190% | 1,731 |
| Assets per employee ($millions) | 3.8762% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,897 |
| Loan loss allowance to noncurrent loans | 91.3588% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 1,446 |
| Noncurrent loans to loans | 1.0537% | 1,545 |
| Net loans and leases to total assets | 87.5208% | 137 |
| Net loans and leases to deposits | 104.6307% | 450 |
| Net loans and leases to core deposits | 113.5567% | 797 |
| Total domestic deposits to total assets | 83.6473% | 3,105 |
| Equity capital to assets | 9.7888% | 3,872 |
| Core capital (leverage) ratio | 10.0250% | 3,547 |
| Tier 1 risk-based capital ratio | 13.1517% | 3,758 |
| Total risk-based capital ratio | 14.2947% | 3,714 |
| Memoranda: | ||
| Average total assets | $154,567,200 | 3,339 |
| Average earning assets | $148,162,800 | 3,268 |
| Average equity | $15,301,400 | 3,600 |
| Average total loans | $136,171,400 | 2,814 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 2,247 |
| Cost of funding earning assets | 0.8226% | 1,227 |
| Net interest margin | 3.6936% | 3,046 |
| Noninterest income to average assets | 0.8716% | 1,284 |
| Noninterest expense to average assets | 3.2539% | 1,401 |
| Loan and lease loss provision to assets | 0.0787% | 2,377 |
| Net operating income to assets | 0.8087% | 3,875 |
| Return on assets (ROA) | 0.8087% | 3,880 |
| Pretax return on assets | 1.0797% | 3,469 |
| Return on Equity (ROE) | 8.1445% | 3,489 |
| Retained earnings to average equity (ytd only) | 8.1445% | 1,585 |
| Net charge-offs to loans | 0.1579% | 1,047 |
| Credit loss provision to net charge-offs | 56.6038% | 2,781 |
| Earnings coverage of net charge-offs (x) | 8.3335% | 2,722 |
| Efficiency ratio | 73.7468% | 1,631 |
| Assets per employee ($millions) | 3.7273% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,131 |
| Loan loss allowance to noncurrent loans | 95.4215% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 1,599 |
| Noncurrent loans to loans | 0.9759% | 1,741 |
| Net loans and leases to total assets | 89.2269% | 102 |
| Net loans and leases to deposits | 105.7067% | 455 |
| Net loans and leases to core deposits | 112.8132% | 875 |
| Total domestic deposits to total assets | 84.4099% | 2,808 |
| Equity capital to assets | 9.9790% | 3,671 |
| Core capital (leverage) ratio | 10.0748% | 3,554 |
| Tier 1 risk-based capital ratio | 13.1871% | 3,788 |
| Total risk-based capital ratio | 14.2955% | 3,791 |
| Memoranda: | ||
| Average total assets | $152,509,250 | 3,389 |
| Average earning assets | $146,196,250 | 3,332 |
| Average equity | $15,142,750 | 3,641 |
| Average total loans | $134,247,250 | 2,853 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 2,177 |
| Cost of funding earning assets | 0.7938% | 1,149 |
| Net interest margin | 3.6778% | 3,017 |
| Noninterest income to average assets | 0.8547% | 1,305 |
| Noninterest expense to average assets | 3.2931% | 1,339 |
| Loan and lease loss provision to assets | 0.0529% | 2,857 |
| Net operating income to assets | 0.7740% | 3,942 |
| Return on assets (ROA) | 0.7740% | 3,949 |
| Pretax return on assets | 1.0333% | 3,558 |
| Return on Equity (ROE) | 7.8089% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.8089% | 1,701 |
| Net charge-offs to loans | 0.1576% | 981 |
| Credit loss provision to net charge-offs | 38.4615% | 2,571 |
| Earnings coverage of net charge-offs (x) | 7.8942% | 2,516 |
| Efficiency ratio | 75.1964% | 1,530 |
| Assets per employee ($millions) | 3.6428% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,992 |
| Loan loss allowance to noncurrent loans | 92.6812% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 1,620 |
| Noncurrent loans to loans | 1.0505% | 1,671 |
| Net loans and leases to total assets | 87.5560% | 165 |
| Net loans and leases to deposits | 104.5942% | 502 |
| Net loans and leases to core deposits | 111.0027% | 939 |
| Total domestic deposits to total assets | 83.7101% | 3,170 |
| Equity capital to assets | 9.9884% | 3,634 |
| Core capital (leverage) ratio | 10.0565% | 3,519 |
| Tier 1 risk-based capital ratio | 13.5220% | 3,603 |
| Total risk-based capital ratio | 14.6873% | 3,569 |
| Memoranda: | ||
| Average total assets | $151,163,000 | 3,417 |
| Average earning assets | $144,870,330 | 3,361 |
| Average equity | $14,983,000 | 3,688 |
| Average total loans | $131,997,670 | 2,889 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,134 |
| Cost of funding earning assets | 0.7641% | 1,128 |
| Net interest margin | 3.6538% | 2,972 |
| Noninterest income to average assets | 0.8227% | 1,384 |
| Noninterest expense to average assets | 3.3172% | 1,320 |
| Loan and lease loss provision to assets | 0.0399% | 2,956 |
| Net operating income to assets | 0.7241% | 4,007 |
| Return on assets (ROA) | 0.7241% | 4,014 |
| Pretax return on assets | 0.9664% | 3,648 |
| Return on Equity (ROE) | 7.3347% | 3,655 |
| Retained earnings to average equity (ytd only) | 7.3347% | 2,127 |
| Net charge-offs to loans | 0.2792% | 553 |
| Credit loss provision to net charge-offs | 16.4835% | 2,147 |
| Earnings coverage of net charge-offs (x) | 4.1538% | 2,324 |
| Efficiency ratio | 76.7241% | 1,491 |
| Assets per employee ($millions) | 3.5216% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 4,001 |
| Loan loss allowance to noncurrent loans | 94.4284% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 1,735 |
| Noncurrent loans to loans | 1.0519% | 1,743 |
| Net loans and leases to total assets | 85.8996% | 268 |
| Net loans and leases to deposits | 100.1602% | 697 |
| Net loans and leases to core deposits | 105.4955% | 1,279 |
| Total domestic deposits to total assets | 85.7622% | 2,649 |
| Equity capital to assets | 9.8852% | 3,712 |
| Core capital (leverage) ratio | 9.9849% | 3,555 |
| Tier 1 risk-based capital ratio | 13.7150% | 3,535 |
| Total risk-based capital ratio | 14.9107% | 3,475 |
| Memoranda: | ||
| Average total assets | $150,246,000 | 3,465 |
| Average earning assets | $143,960,000 | 3,408 |
| Average equity | $14,833,500 | 3,729 |
| Average total loans | $130,359,000 | 2,930 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,333 |
| Cost of funding earning assets | 0.7633% | 772 |
| Net interest margin | 3.5357% | 3,399 |
| Noninterest income to average assets | 0.8927% | 1,293 |
| Noninterest expense to average assets | 3.2944% | 1,384 |
| Loan and lease loss provision to assets | 0.0596% | 3,041 |
| Net operating income to assets | 0.4299% | 4,589 |
| Return on assets (ROA) | 0.4299% | 4,614 |
| Pretax return on assets | 0.9112% | 3,879 |
| Return on Equity (ROE) | 4.3507% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.3507% | 2,546 |
| Net charge-offs to loans | 0.0162% | 3,552 |
| Credit loss provision to net charge-offs | 435.0000% | 712 |
| Earnings coverage of net charge-offs (x) | 70.8000% | 848 |
| Efficiency ratio | 77.2384% | 1,453 |
| Assets per employee ($millions) | 3.4666% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,509 |
| Loan loss allowance to noncurrent loans | 126.0036% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 2,125 |
| Noncurrent loans to loans | 0.8474% | 2,101 |
| Net loans and leases to total assets | 85.8396% | 267 |
| Net loans and leases to deposits | 101.4952% | 627 |
| Net loans and leases to core deposits | 108.6943% | 1,083 |
| Total domestic deposits to total assets | 84.5751% | 3,003 |
| Equity capital to assets | 9.8602% | 3,861 |
| Core capital (leverage) ratio | 9.8108% | 3,686 |
| Tier 1 risk-based capital ratio | 13.4351% | 3,666 |
| Total risk-based capital ratio | 14.6856% | 3,575 |
| Memoranda: | ||
| Average total assets | $145,855,400 | 3,527 |
| Average earning assets | $139,125,200 | 3,467 |
| Average equity | $14,411,400 | 3,793 |
| Average total loans | $123,497,200 | 3,007 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,428 |
| Cost of funding earning assets | 0.7466% | 770 |
| Net interest margin | 3.5054% | 3,489 |
| Noninterest income to average assets | 0.8888% | 1,305 |
| Noninterest expense to average assets | 3.2833% | 1,386 |
| Loan and lease loss provision to assets | 0.0671% | 2,726 |
| Net operating income to assets | 0.5368% | 4,628 |
| Return on assets (ROA) | 0.5368% | 4,660 |
| Pretax return on assets | 0.8787% | 4,107 |
| Return on Equity (ROE) | 5.4300% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.4300% | 2,582 |
| Net charge-offs to loans | -0.0076% | 4,562 |
| Credit loss provision to net charge-offs | -1,042.8571% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6353% | 1,376 |
| Assets per employee ($millions) | 3.4815% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,554 |
| Loan loss allowance to noncurrent loans | 226.8730% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 3,187 |
| Noncurrent loans to loans | 0.4800% | 3,246 |
| Net loans and leases to total assets | 84.5090% | 385 |
| Net loans and leases to deposits | 101.1271% | 671 |
| Net loans and leases to core deposits | 106.5219% | 1,237 |
| Total domestic deposits to total assets | 83.5671% | 3,269 |
| Equity capital to assets | 9.7892% | 4,162 |
| Core capital (leverage) ratio | 9.8962% | 3,702 |
| Tier 1 risk-based capital ratio | 13.7019% | 3,575 |
| Total risk-based capital ratio | 14.9519% | 3,509 |
| Memoranda: | ||
| Average total assets | $145,053,250 | 3,566 |
| Average earning assets | $138,220,250 | 3,507 |
| Average equity | $14,339,750 | 3,842 |
| Average total loans | $122,037,250 | 3,049 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 2,528 |
| Cost of funding earning assets | 0.7291% | 763 |
| Net interest margin | 3.4565% | 3,564 |
| Noninterest income to average assets | 0.9185% | 1,217 |
| Noninterest expense to average assets | 3.3337% | 1,306 |
| Loan and lease loss provision to assets | 0.0767% | 2,449 |
| Net operating income to assets | 0.4822% | 4,751 |
| Return on assets (ROA) | 0.4822% | 4,785 |
| Pretax return on assets | 0.7986% | 4,284 |
| Return on Equity (ROE) | 4.8614% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.8614% | 2,806 |
| Net charge-offs to loans | -0.1699% | 5,556 |
| Credit loss provision to net charge-offs | -53.9216% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2053% | 1,308 |
| Assets per employee ($millions) | 3.6997% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 3,160 |
| Loan loss allowance to noncurrent loans | 247.2269% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 3,093 |
| Noncurrent loans to loans | 0.4757% | 3,320 |
| Net loans and leases to total assets | 83.5175% | 486 |
| Net loans and leases to deposits | 100.6950% | 686 |
| Net loans and leases to core deposits | 105.3962% | 1,272 |
| Total domestic deposits to total assets | 82.9411% | 3,589 |
| Equity capital to assets | 9.7421% | 4,182 |
| Core capital (leverage) ratio | 10.0146% | 3,520 |
| Tier 1 risk-based capital ratio | 14.2541% | 3,287 |
| Total risk-based capital ratio | 15.5058% | 3,203 |
| Memoranda: | ||
| Average total assets | $143,502,330 | 3,607 |
| Average earning assets | $136,612,330 | 3,545 |
| Average equity | $14,234,670 | 3,865 |
| Average total loans | $120,080,330 | 3,095 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,510 |
| Cost of funding earning assets | 0.7204% | 761 |
| Net interest margin | 3.4205% | 3,568 |
| Noninterest income to average assets | 0.9033% | 1,227 |
| Noninterest expense to average assets | 3.3895% | 1,220 |
| Loan and lease loss provision to assets | 0.0849% | 2,123 |
| Net operating income to assets | 0.4134% | 4,912 |
| Return on assets (ROA) | 0.4134% | 4,934 |
| Pretax return on assets | 0.6824% | 4,497 |
| Return on Equity (ROE) | 4.1291% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.1291% | 3,397 |
| Net charge-offs to loans | -0.1565% | 5,573 |
| Credit loss provision to net charge-offs | -65.2174% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5395% | 1,200 |
| Assets per employee ($millions) | 3.3681% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 3,226 |
| Loan loss allowance to noncurrent loans | 201.1577% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 2,886 |
| Noncurrent loans to loans | 0.5891% | 3,044 |
| Net loans and leases to total assets | 81.9418% | 572 |
| Net loans and leases to deposits | 95.2394% | 987 |
| Net loans and leases to core deposits | 98.8606% | 1,594 |
| Total domestic deposits to total assets | 86.0377% | 2,646 |
| Equity capital to assets | 10.0496% | 3,697 |
| Core capital (leverage) ratio | 10.0078% | 3,483 |
| Tier 1 risk-based capital ratio | 14.8624% | 3,040 |
| Total risk-based capital ratio | 16.1148% | 2,961 |
| Memoranda: | ||
| Average total assets | $141,260,000 | 3,675 |
| Average earning assets | $134,367,000 | 3,617 |
| Average equity | $14,143,500 | 3,902 |
| Average total loans | $117,587,500 | 3,148 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,755 |
| Cost of funding earning assets | 0.7176% | 752 |
| Net interest margin | 3.4076% | 3,802 |
| Noninterest income to average assets | 0.9094% | 1,381 |
| Noninterest expense to average assets | 3.3790% | 1,405 |
| Loan and lease loss provision to assets | 0.0952% | 2,459 |
| Net operating income to assets | 0.4042% | 4,927 |
| Return on assets (ROA) | 0.4042% | 5,013 |
| Pretax return on assets | 0.6685% | 4,591 |
| Return on Equity (ROE) | 4.0064% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.0064% | 3,069 |
| Net charge-offs to loans | 0.1925% | 1,439 |
| Credit loss provision to net charge-offs | 60.1852% | 3,242 |
| Earnings coverage of net charge-offs (x) | 4.8287% | 3,439 |
| Efficiency ratio | 81.5659% | 1,250 |
| Assets per employee ($millions) | 3.3586% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 3,624 |
| Loan loss allowance to noncurrent loans | 228.9199% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 3,034 |
| Noncurrent loans to loans | 0.4870% | 3,409 |
| Net loans and leases to total assets | 82.6288% | 524 |
| Net loans and leases to deposits | 96.7551% | 931 |
| Net loans and leases to core deposits | 100.2460% | 1,601 |
| Total domestic deposits to total assets | 85.3999% | 2,877 |
| Equity capital to assets | 9.9751% | 3,752 |
| Core capital (leverage) ratio | 10.0266% | 3,456 |
| Tier 1 risk-based capital ratio | 15.0341% | 2,947 |
| Total risk-based capital ratio | 16.2863% | 2,882 |
| Memoranda: | ||
| Average total assets | $136,580,200 | 3,724 |
| Average earning assets | $129,591,600 | 3,651 |
| Average equity | $13,778,000 | 3,970 |
| Average total loans | $112,198,800 | 3,187 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 2,839 |
| Cost of funding earning assets | 0.7121% | 768 |
| Net interest margin | 3.3978% | 3,845 |
| Noninterest income to average assets | 0.9272% | 1,323 |
| Noninterest expense to average assets | 3.3879% | 1,364 |
| Loan and lease loss provision to assets | 0.0984% | 2,256 |
| Net operating income to assets | 0.4006% | 5,013 |
| Return on assets (ROA) | 0.4006% | 5,111 |
| Pretax return on assets | 0.6624% | 4,706 |
| Return on Equity (ROE) | 3.9596% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.9596% | 3,484 |
| Net charge-offs to loans | 0.1902% | 1,231 |
| Credit loss provision to net charge-offs | 63.2911% | 2,874 |
| Earnings coverage of net charge-offs (x) | 4.8924% | 3,204 |
| Efficiency ratio | 81.6607% | 1,233 |
| Assets per employee ($millions) | 3.3802% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 3,416 |
| Loan loss allowance to noncurrent loans | 172.9381% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 2,673 |
| Noncurrent loans to loans | 0.6774% | 2,993 |
| Net loans and leases to total assets | 81.6953% | 659 |
| Net loans and leases to deposits | 95.0965% | 1,139 |
| Net loans and leases to core deposits | 98.8027% | 1,745 |
| Total domestic deposits to total assets | 85.9078% | 2,406 |
| Equity capital to assets | 10.0486% | 4,085 |
| Core capital (leverage) ratio | 10.1760% | 3,354 |
| Tier 1 risk-based capital ratio | 15.2105% | 2,950 |
| Total risk-based capital ratio | 16.4633% | 2,887 |
| Memoranda: | ||
| Average total assets | $135,460,000 | 3,762 |
| Average earning assets | $128,434,250 | 3,696 |
| Average equity | $13,704,750 | 4,018 |
| Average total loans | $110,780,750 | 3,216 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 2,818 |
| Cost of funding earning assets | 0.7070% | 773 |
| Net interest margin | 3.4030% | 3,882 |
| Noninterest income to average assets | 0.8466% | 1,562 |
| Noninterest expense to average assets | 3.3984% | 1,377 |
| Loan and lease loss provision to assets | 0.1042% | 2,110 |
| Net operating income to assets | 0.3437% | 5,197 |
| Return on assets (ROA) | 0.3437% | 5,281 |
| Pretax return on assets | 0.5669% | 4,982 |
| Return on Equity (ROE) | 3.3893% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.3893% | 3,735 |
| Net charge-offs to loans | 0.1662% | 1,338 |
| Credit loss provision to net charge-offs | 76.9231% | 2,396 |
| Earnings coverage of net charge-offs (x) | 4.9560% | 2,912 |
| Efficiency ratio | 83.5101% | 1,089 |
| Assets per employee ($millions) | 3.3149% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 3,190 |
| Loan loss allowance to noncurrent loans | 152.7716% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 2,457 |
| Noncurrent loans to loans | 0.8054% | 2,736 |
| Net loans and leases to total assets | 81.3936% | 694 |
| Net loans and leases to deposits | 95.6731% | 1,112 |
| Net loans and leases to core deposits | 99.1725% | 1,696 |
| Total domestic deposits to total assets | 85.0747% | 2,839 |
| Equity capital to assets | 10.1170% | 4,075 |
| Core capital (leverage) ratio | 10.1241% | 3,418 |
| Tier 1 risk-based capital ratio | 15.6298% | 2,813 |
| Total risk-based capital ratio | 16.8836% | 2,743 |
| Memoranda: | ||
| Average total assets | $134,417,670 | 3,806 |
| Average earning assets | $127,299,000 | 3,733 |
| Average equity | $13,631,000 | 4,051 |
| Average total loans | $109,520,670 | 3,239 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 3,033 |
| Cost of funding earning assets | 0.6951% | 823 |
| Net interest margin | 3.3553% | 4,025 |
| Noninterest income to average assets | 0.8349% | 1,495 |
| Noninterest expense to average assets | 3.3874% | 1,406 |
| Loan and lease loss provision to assets | 0.1107% | 1,882 |
| Net operating income to assets | 0.3112% | 5,272 |
| Return on assets (ROA) | 0.3112% | 5,356 |
| Pretax return on assets | 0.5147% | 5,046 |
| Return on Equity (ROE) | 3.0652% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.0652% | 3,976 |
| Net charge-offs to loans | 0.2549% | 814 |
| Credit loss provision to net charge-offs | 53.6232% | 2,022 |
| Earnings coverage of net charge-offs (x) | 3.0290% | 2,598 |
| Efficiency ratio | 84.4146% | 1,124 |
| Assets per employee ($millions) | 3.2622% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,202 |
| Loan loss allowance to noncurrent loans | 164.4231% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 2,703 |
| Noncurrent loans to loans | 0.7594% | 2,936 |
| Net loans and leases to total assets | 80.8950% | 703 |
| Net loans and leases to deposits | 94.3946% | 1,100 |
| Net loans and leases to core deposits | 97.5618% | 1,668 |
| Total domestic deposits to total assets | 85.6987% | 2,810 |
| Equity capital to assets | 10.1862% | 3,857 |
| Core capital (leverage) ratio | 10.2693% | 3,237 |
| Tier 1 risk-based capital ratio | 15.6313% | 2,849 |
| Total risk-based capital ratio | 16.8854% | 2,779 |
| Memoranda: | ||
| Average total assets | $133,671,500 | 3,841 |
| Average earning assets | $126,606,500 | 3,774 |
| Average equity | $13,571,500 | 4,066 |
| Average total loans | $108,281,000 | 3,269 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 2,846 |
| Cost of funding earning assets | 0.7264% | 711 |
| Net interest margin | 3.3933% | 3,941 |
| Noninterest income to average assets | 0.9579% | 1,296 |
| Noninterest expense to average assets | 3.3826% | 1,525 |
| Loan and lease loss provision to assets | 0.1051% | 2,229 |
| Net operating income to assets | 0.4121% | 5,013 |
| Return on assets (ROA) | 0.4121% | 5,097 |
| Pretax return on assets | 0.6824% | 4,578 |
| Return on Equity (ROE) | 4.1440% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.1440% | 3,050 |
| Net charge-offs to loans | 0.1735% | 1,645 |
| Credit loss provision to net charge-offs | 75.6757% | 3,026 |
| Earnings coverage of net charge-offs (x) | 5.6703% | 3,346 |
| Efficiency ratio | 81.1161% | 1,517 |
| Assets per employee ($millions) | 3.2584% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 2,849 |
| Loan loss allowance to noncurrent loans | 139.3035% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 2,440 |
| Noncurrent loans to loans | 0.9393% | 2,454 |
| Net loans and leases to total assets | 79.0438% | 982 |
| Net loans and leases to deposits | 93.7623% | 1,220 |
| Net loans and leases to core deposits | 96.7360% | 1,773 |
| Total domestic deposits to total assets | 84.3023% | 3,365 |
| Equity capital to assets | 10.1195% | 3,840 |
| Core capital (leverage) ratio | 10.1976% | 3,265 |
| Tier 1 risk-based capital ratio | 16.0852% | 2,650 |
| Total risk-based capital ratio | 17.3406% | 2,595 |
| Memoranda: | ||
| Average total assets | $133,211,800 | 3,825 |
| Average earning assets | $126,102,800 | 3,771 |
| Average equity | $13,248,200 | 4,085 |
| Average total loans | $106,656,400 | 3,268 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,838 |
| Cost of funding earning assets | 0.7302% | 714 |
| Net interest margin | 3.3937% | 3,987 |
| Noninterest income to average assets | 0.9245% | 1,386 |
| Noninterest expense to average assets | 3.3614% | 1,555 |
| Loan and lease loss provision to assets | 0.1032% | 2,139 |
| Net operating income to assets | 0.4057% | 5,147 |
| Return on assets (ROA) | 0.4057% | 5,237 |
| Pretax return on assets | 0.6721% | 4,770 |
| Return on Equity (ROE) | 4.0969% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.0969% | 3,546 |
| Net charge-offs to loans | 0.1701% | 1,460 |
| Credit loss provision to net charge-offs | 75.7353% | 2,673 |
| Earnings coverage of net charge-offs (x) | 5.6911% | 3,170 |
| Efficiency ratio | 81.2591% | 1,494 |
| Assets per employee ($millions) | 3.2208% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 3,021 |
| Loan loss allowance to noncurrent loans | 175.1861% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 3,023 |
| Noncurrent loans to loans | 0.7495% | 3,084 |
| Net loans and leases to total assets | 80.3646% | 767 |
| Net loans and leases to deposits | 95.4713% | 1,055 |
| Net loans and leases to core deposits | 99.0868% | 1,595 |
| Total domestic deposits to total assets | 84.1767% | 3,351 |
| Equity capital to assets | 10.1286% | 4,025 |
| Core capital (leverage) ratio | 10.0444% | 3,562 |
| Tier 1 risk-based capital ratio | 15.7044% | 2,951 |
| Total risk-based capital ratio | 16.9596% | 2,881 |
| Memoranda: | ||
| Average total assets | $133,116,500 | 3,880 |
| Average earning assets | $125,996,500 | 3,812 |
| Average equity | $13,180,500 | 4,147 |
| Average total loans | $106,571,250 | 3,291 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 2,896 |
| Cost of funding earning assets | 0.7240% | 745 |
| Net interest margin | 3.3759% | 3,980 |
| Noninterest income to average assets | 0.9200% | 1,389 |
| Noninterest expense to average assets | 3.3131% | 1,662 |
| Loan and lease loss provision to assets | 0.0974% | 2,194 |
| Net operating income to assets | 0.4241% | 5,067 |
| Return on assets (ROA) | 0.4241% | 5,169 |
| Pretax return on assets | 0.7028% | 4,640 |
| Return on Equity (ROE) | 4.3154% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.3154% | 3,280 |
| Net charge-offs to loans | 0.1939% | 1,291 |
| Credit loss provision to net charge-offs | 63.1068% | 2,562 |
| Earnings coverage of net charge-offs (x) | 5.1845% | 2,948 |
| Efficiency ratio | 80.5464% | 1,686 |
| Assets per employee ($millions) | 3.3168% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 3,136 |
| Loan loss allowance to noncurrent loans | 156.8562% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 2,908 |
| Noncurrent loans to loans | 0.8411% | 3,021 |
| Net loans and leases to total assets | 79.3233% | 895 |
| Net loans and leases to deposits | 94.9065% | 1,057 |
| Net loans and leases to core deposits | 98.6104% | 1,601 |
| Total domestic deposits to total assets | 83.5804% | 3,732 |
| Equity capital to assets | 9.9894% | 4,054 |
| Core capital (leverage) ratio | 9.9100% | 3,728 |
| Tier 1 risk-based capital ratio | 16.5874% | 2,575 |
| Total risk-based capital ratio | 17.8440% | 2,524 |
| Memoranda: | ||
| Average total assets | $133,471,330 | 3,901 |
| Average earning assets | $126,246,670 | 3,843 |
| Average equity | $13,115,670 | 4,186 |
| Average total loans | $106,250,000 | 3,319 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 2,676 |
| Cost of funding earning assets | 0.7178% | 782 |
| Net interest margin | 3.4216% | 3,754 |
| Noninterest income to average assets | 0.8755% | 1,475 |
| Noninterest expense to average assets | 3.2808% | 1,766 |
| Loan and lease loss provision to assets | 0.0926% | 2,140 |
| Net operating income to assets | 0.4452% | 4,895 |
| Return on assets (ROA) | 0.4452% | 5,010 |
| Pretax return on assets | 0.7350% | 4,480 |
| Return on Equity (ROE) | 4.5681% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.5681% | 3,287 |
| Net charge-offs to loans | 0.2150% | 1,083 |
| Credit loss provision to net charge-offs | 54.3860% | 2,061 |
| Earnings coverage of net charge-offs (x) | 4.8596% | 2,445 |
| Efficiency ratio | 79.8545% | 1,915 |
| Assets per employee ($millions) | 3.5160% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 3,206 |
| Loan loss allowance to noncurrent loans | 169.5341% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 3,140 |
| Noncurrent loans to loans | 0.7888% | 3,279 |
| Net loans and leases to total assets | 78.3570% | 876 |
| Net loans and leases to deposits | 93.4984% | 1,036 |
| Net loans and leases to core deposits | 96.8778% | 1,559 |
| Total domestic deposits to total assets | 83.8057% | 3,888 |
| Equity capital to assets | 9.8197% | 4,365 |
| Core capital (leverage) ratio | 9.6604% | 4,058 |
| Tier 1 risk-based capital ratio | 16.4275% | 2,721 |
| Total risk-based capital ratio | 17.6835% | 2,658 |
| Memoranda: | ||
| Average total assets | $133,871,500 | 3,924 |
| Average earning assets | $126,492,000 | 3,856 |
| Average equity | $13,047,000 | 4,221 |
| Average total loans | $106,052,000 | 3,339 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,216 |
| Cost of funding earning assets | 0.7768% | 735 |
| Net interest margin | 3.3503% | 4,401 |
| Noninterest income to average assets | 0.8398% | 1,714 |
| Noninterest expense to average assets | 3.2227% | 2,152 |
| Loan and lease loss provision to assets | 0.1687% | 1,544 |
| Net operating income to assets | 0.3704% | 5,324 |
| Return on assets (ROA) | 0.3704% | 5,392 |
| Pretax return on assets | 0.6111% | 4,907 |
| Return on Equity (ROE) | 3.8888% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.8888% | 3,448 |
| Net charge-offs to loans | 0.2301% | 1,824 |
| Credit loss provision to net charge-offs | 95.7447% | 2,519 |
| Earnings coverage of net charge-offs (x) | 4.4255% | 3,657 |
| Efficiency ratio | 80.5170% | 1,845 |
| Assets per employee ($millions) | 3.4393% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 3,111 |
| Loan loss allowance to noncurrent loans | 163.0214% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 3,045 |
| Noncurrent loans to loans | 0.8368% | 3,221 |
| Net loans and leases to total assets | 77.9422% | 1,004 |
| Net loans and leases to deposits | 95.7294% | 924 |
| Net loans and leases to core deposits | 99.0319% | 1,465 |
| Total domestic deposits to total assets | 81.4193% | 4,623 |
| Equity capital to assets | 9.6724% | 4,506 |
| Core capital (leverage) ratio | 9.6724% | 4,013 |
| Tier 1 risk-based capital ratio | 15.0416% | 3,464 |
| Total risk-based capital ratio | 16.2972% | 3,404 |
| Memoranda: | ||
| Average total assets | $133,365,200 | 3,915 |
| Average earning assets | $125,900,600 | 3,845 |
| Average equity | $12,703,000 | 4,242 |
| Average total loans | $102,134,400 | 3,378 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,265 |
| Cost of funding earning assets | 0.7889% | 726 |
| Net interest margin | 3.3379% | 4,477 |
| Noninterest income to average assets | 0.7989% | 1,900 |
| Noninterest expense to average assets | 3.2078% | 2,153 |
| Loan and lease loss provision to assets | 0.1952% | 1,231 |
| Net operating income to assets | 0.3324% | 5,487 |
| Return on assets (ROA) | 0.3324% | 5,553 |
| Pretax return on assets | 0.5476% | 5,188 |
| Return on Equity (ROE) | 3.5034% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.5034% | 4,146 |
| Net charge-offs to loans | 0.3400% | 1,181 |
| Credit loss provision to net charge-offs | 75.5814% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.8760% | 3,801 |
| Efficiency ratio | 81.1961% | 1,728 |
| Assets per employee ($millions) | 3.4042% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 3,378 |
| Loan loss allowance to noncurrent loans | 175.4408% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 3,414 |
| Noncurrent loans to loans | 0.7720% | 3,654 |
| Net loans and leases to total assets | 76.4174% | 1,168 |
| Net loans and leases to deposits | 91.6014% | 1,272 |
| Net loans and leases to core deposits | 94.7318% | 1,780 |
| Total domestic deposits to total assets | 83.4238% | 3,983 |
| Equity capital to assets | 9.6480% | 4,608 |
| Core capital (leverage) ratio | 9.6480% | 4,156 |
| Tier 1 risk-based capital ratio | 15.2428% | 3,452 |
| Total risk-based capital ratio | 16.4245% | 3,428 |
| Memoranda: | ||
| Average total assets | $133,173,000 | 3,952 |
| Average earning assets | $125,746,250 | 3,884 |
| Average equity | $12,635,250 | 4,285 |
| Average total loans | $101,169,750 | 3,424 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 3,262 |
| Cost of funding earning assets | 0.7915% | 749 |
| Net interest margin | 3.3296% | 4,473 |
| Noninterest income to average assets | 0.7636% | 1,994 |
| Noninterest expense to average assets | 3.1791% | 2,252 |
| Loan and lease loss provision to assets | 0.2250% | 1,024 |
| Net operating income to assets | 0.3061% | 5,546 |
| Return on assets (ROA) | 0.3061% | 5,618 |
| Pretax return on assets | 0.5026% | 5,269 |
| Return on Equity (ROE) | 3.2439% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.2439% | 4,140 |
| Net charge-offs to loans | 0.1431% | 2,244 |
| Credit loss provision to net charge-offs | 208.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | 6.7361% | 2,729 |
| Efficiency ratio | 81.3748% | 1,828 |
| Assets per employee ($millions) | 3.5081% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 2,861 |
| Loan loss allowance to noncurrent loans | 171.2054% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 3,305 |
| Noncurrent loans to loans | 0.8810% | 3,495 |
| Net loans and leases to total assets | 75.1418% | 1,288 |
| Net loans and leases to deposits | 89.0155% | 1,476 |
| Net loans and leases to core deposits | 92.0021% | 1,943 |
| Total domestic deposits to total assets | 84.4143% | 3,764 |
| Equity capital to assets | 9.5118% | 4,733 |
| Core capital (leverage) ratio | 9.5118% | 4,316 |
| Tier 1 risk-based capital ratio | 15.2228% | 3,514 |
| Total risk-based capital ratio | 16.4798% | 3,458 |
| Memoranda: | ||
| Average total assets | $133,309,670 | 3,973 |
| Average earning assets | $125,841,330 | 3,892 |
| Average equity | $12,577,330 | 4,304 |
| Average total loans | $100,610,670 | 3,445 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,143 |
| Cost of funding earning assets | 0.7982% | 753 |
| Net interest margin | 3.3391% | 4,379 |
| Noninterest income to average assets | 0.7291% | 2,035 |
| Noninterest expense to average assets | 3.1265% | 2,451 |
| Loan and lease loss provision to assets | 0.2250% | 996 |
| Net operating income to assets | 0.3241% | 5,412 |
| Return on assets (ROA) | 0.3241% | 5,464 |
| Pretax return on assets | 0.5281% | 5,084 |
| Return on Equity (ROE) | 3.4488% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.4488% | 4,068 |
| Net charge-offs to loans | 0.1599% | 1,760 |
| Credit loss provision to net charge-offs | 187.5000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 6.2750% | 2,243 |
| Efficiency ratio | 80.5878% | 2,120 |
| Assets per employee ($millions) | 3.4218% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 3,246 |
| Loan loss allowance to noncurrent loans | 183.1695% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 3,587 |
| Noncurrent loans to loans | 0.8068% | 3,861 |
| Net loans and leases to total assets | 74.4831% | 1,192 |
| Net loans and leases to deposits | 87.7345% | 1,386 |
| Net loans and leases to core deposits | 90.6518% | 1,858 |
| Total domestic deposits to total assets | 84.8961% | 3,922 |
| Equity capital to assets | 9.4261% | 4,593 |
| Core capital (leverage) ratio | 9.4261% | 4,381 |
| Tier 1 risk-based capital ratio | 15.2308% | 3,592 |
| Total risk-based capital ratio | 16.4877% | 3,539 |
| Memoranda: | ||
| Average total assets | $133,310,500 | 4,003 |
| Average earning assets | $125,781,500 | 3,929 |
| Average equity | $12,526,000 | 4,340 |
| Average total loans | $100,064,000 | 3,471 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 3,572 |
| Cost of funding earning assets | 0.9112% | 691 |
| Net interest margin | 3.2305% | 4,894 |
| Noninterest income to average assets | 0.8855% | 1,731 |
| Noninterest expense to average assets | 3.1230% | 2,666 |
| Loan and lease loss provision to assets | 0.2292% | 1,582 |
| Net operating income to assets | 0.3668% | 5,272 |
| Return on assets (ROA) | 0.3668% | 5,386 |
| Pretax return on assets | 0.5960% | 4,887 |
| Return on Equity (ROE) | 4.0356% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.0356% | 3,320 |
| Net charge-offs to loans | 0.3795% | 1,770 |
| Credit loss provision to net charge-offs | 81.9149% | 2,991 |
| Earnings coverage of net charge-offs (x) | 2.9495% | 4,008 |
| Efficiency ratio | 79.0991% | 2,303 |
| Assets per employee ($millions) | 3.3293% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 3,344 |
| Loan loss allowance to noncurrent loans | 147.2194% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 3,398 |
| Noncurrent loans to loans | 0.9966% | 3,521 |
| Net loans and leases to total assets | 73.4268% | 1,450 |
| Net loans and leases to deposits | 86.4198% | 1,635 |
| Net loans and leases to core deposits | 89.2923% | 2,111 |
| Total domestic deposits to total assets | 84.9653% | 3,768 |
| Equity capital to assets | 9.3661% | 4,593 |
| Core capital (leverage) ratio | 9.3661% | 4,448 |
| Tier 1 risk-based capital ratio | 15.1461% | 3,582 |
| Total risk-based capital ratio | 16.4030% | 3,522 |
| Memoranda: | ||
| Average total assets | $134,389,200 | 3,988 |
| Average earning assets | $127,412,400 | 3,897 |
| Average equity | $12,216,400 | 4,406 |
| Average total loans | $99,068,400 | 3,466 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 3,536 |
| Cost of funding earning assets | 0.9256% | 725 |
| Net interest margin | 3.2321% | 4,890 |
| Noninterest income to average assets | 0.8830% | 1,812 |
| Noninterest expense to average assets | 3.1201% | 2,593 |
| Loan and lease loss provision to assets | 0.2306% | 1,571 |
| Net operating income to assets | 0.3722% | 5,364 |
| Return on assets (ROA) | 0.3722% | 5,497 |
| Pretax return on assets | 0.6018% | 5,002 |
| Return on Equity (ROE) | 4.1253% | 5,160 |
| Retained earnings to average equity (ytd only) | 4.1253% | 3,746 |
| Net charge-offs to loans | 0.2935% | 2,071 |
| Credit loss provision to net charge-offs | 106.8807% | 2,195 |
| Earnings coverage of net charge-offs (x) | 3.8578% | 3,597 |
| Efficiency ratio | 78.9381% | 2,274 |
| Assets per employee ($millions) | 3.3429% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,287 |
| Loan loss allowance to noncurrent loans | 155.5106% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9318% | 3,805 |
| Noncurrent loans to loans | 0.9891% | 3,835 |
| Net loans and leases to total assets | 73.6260% | 1,341 |
| Net loans and leases to deposits | 85.1436% | 1,728 |
| Net loans and leases to core deposits | 88.5197% | 2,127 |
| Total domestic deposits to total assets | 86.4727% | 2,977 |
| Equity capital to assets | 9.2391% | 4,883 |
| Core capital (leverage) ratio | 9.2420% | 4,767 |
| Tier 1 risk-based capital ratio | 15.0368% | 3,731 |
| Total risk-based capital ratio | 16.2949% | 3,680 |
| Memoranda: | ||
| Average total assets | $134,693,500 | 4,022 |
| Average earning assets | $127,920,000 | 3,921 |
| Average equity | $12,152,250 | 4,470 |
| Average total loans | $99,025,500 | 3,501 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,574 |
| Cost of funding earning assets | 0.9392% | 745 |
| Net interest margin | 3.2029% | 4,936 |
| Noninterest income to average assets | 0.8888% | 1,855 |
| Noninterest expense to average assets | 3.1714% | 2,437 |
| Loan and lease loss provision to assets | 0.2533% | 1,463 |
| Net operating income to assets | 0.3155% | 5,543 |
| Return on assets (ROA) | 0.3155% | 5,697 |
| Pretax return on assets | 0.5051% | 5,354 |
| Return on Equity (ROE) | 3.5250% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.5250% | 4,076 |
| Net charge-offs to loans | 0.4579% | 1,438 |
| Credit loss provision to net charge-offs | 75.6637% | 2,709 |
| Earnings coverage of net charge-offs (x) | 2.2655% | 3,769 |
| Efficiency ratio | 80.7011% | 2,063 |
| Assets per employee ($millions) | 3.3888% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,709 |
| Loan loss allowance to noncurrent loans | 154.4690% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 3,169 |
| Noncurrent loans to loans | 0.9535% | 4,023 |
| Net loans and leases to total assets | 72.4991% | 1,485 |
| Net loans and leases to deposits | 83.5209% | 1,865 |
| Net loans and leases to core deposits | 86.5477% | 2,286 |
| Total domestic deposits to total assets | 86.8036% | 2,939 |
| Equity capital to assets | 8.9951% | 5,226 |
| Core capital (leverage) ratio | 8.9965% | 4,995 |
| Tier 1 risk-based capital ratio | 14.7929% | 3,912 |
| Total risk-based capital ratio | 16.0533% | 3,875 |
| Memoranda: | ||
| Average total assets | $135,019,670 | 4,042 |
| Average earning assets | $128,196,000 | 3,942 |
| Average equity | $12,085,000 | 4,516 |
| Average total loans | $98,705,000 | 3,525 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 3,330 |
| Cost of funding earning assets | 0.9601% | 745 |
| Net interest margin | 3.2338% | 4,787 |
| Noninterest income to average assets | 0.7154% | 2,508 |
| Noninterest expense to average assets | 3.0931% | 2,699 |
| Loan and lease loss provision to assets | 0.3710% | 861 |
| Net operating income to assets | 0.1989% | 5,899 |
| Return on assets (ROA) | 0.1989% | 6,005 |
| Pretax return on assets | 0.3206% | 5,810 |
| Return on Equity (ROE) | 2.2276% | 5,866 |
| Retained earnings to average equity (ytd only) | 2.2276% | 4,895 |
| Net charge-offs to loans | 0.1589% | 2,450 |
| Credit loss provision to net charge-offs | 320.5128% | 754 |
| Earnings coverage of net charge-offs (x) | 5.9744% | 2,295 |
| Efficiency ratio | 81.7255% | 2,080 |
| Assets per employee ($millions) | 3.3982% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 3,207 |
| Loan loss allowance to noncurrent loans | 84.9894% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 2,783 |
| Noncurrent loans to loans | 1.9381% | 2,688 |
| Net loans and leases to total assets | 70.6362% | 1,561 |
| Net loans and leases to deposits | 79.8850% | 2,090 |
| Net loans and leases to core deposits | 82.7064% | 2,487 |
| Total domestic deposits to total assets | 88.4224% | 2,051 |
| Equity capital to assets | 8.8754% | 5,637 |
| Core capital (leverage) ratio | 8.8644% | 5,101 |
| Tier 1 risk-based capital ratio | 14.9895% | 3,841 |
| Total risk-based capital ratio | 16.2485% | 3,797 |
| Memoranda: | ||
| Average total assets | $134,753,500 | 4,090 |
| Average earning assets | $127,899,500 | 3,983 |
| Average equity | $12,031,000 | 4,570 |
| Average total loans | $98,186,000 | 3,556 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 3,529 |
| Cost of funding earning assets | 1.1312% | 800 |
| Net interest margin | 3.3379% | 5,113 |
| Noninterest income to average assets | 0.9252% | 1,786 |
| Noninterest expense to average assets | 3.1627% | 2,727 |
| Loan and lease loss provision to assets | 0.4916% | 1,225 |
| Net operating income to assets | 0.2599% | 5,600 |
| Return on assets (ROA) | 0.2599% | 5,808 |
| Pretax return on assets | 0.4283% | 5,486 |
| Return on Equity (ROE) | 2.8907% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.8907% | 4,200 |
| Net charge-offs to loans | 0.5183% | 2,171 |
| Credit loss provision to net charge-offs | 123.5632% | 2,300 |
| Earnings coverage of net charge-offs (x) | 2.3123% | 4,256 |
| Efficiency ratio | 77.4687% | 2,523 |
| Assets per employee ($millions) | 3.3395% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 3,555 |
| Loan loss allowance to noncurrent loans | 97.1939% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 2,435 |
| Noncurrent loans to loans | 1.5878% | 3,241 |
| Net loans and leases to total assets | 72.7851% | 1,375 |
| Net loans and leases to deposits | 82.3951% | 1,949 |
| Net loans and leases to core deposits | 85.3872% | 2,390 |
| Total domestic deposits to total assets | 88.3367% | 2,009 |
| Equity capital to assets | 8.9818% | 5,542 |
| Core capital (leverage) ratio | 8.9698% | 4,949 |
| Tier 1 risk-based capital ratio | 14.8101% | 3,826 |
| Total risk-based capital ratio | 16.0610% | 3,783 |
| Memoranda: | ||
| Average total assets | $131,216,800 | 4,120 |
| Average earning assets | $124,118,200 | 4,012 |
| Average equity | $11,796,600 | 4,611 |
| Average total loans | $100,707,000 | 3,502 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 3,604 |
| Cost of funding earning assets | 1.1532% | 853 |
| Net interest margin | 3.3539% | 5,200 |
| Noninterest income to average assets | 0.9084% | 1,801 |
| Noninterest expense to average assets | 3.1846% | 2,615 |
| Loan and lease loss provision to assets | 0.5206% | 1,155 |
| Net operating income to assets | 0.2348% | 5,826 |
| Return on assets (ROA) | 0.2348% | 6,008 |
| Pretax return on assets | 0.3766% | 5,770 |
| Return on Equity (ROE) | 2.6107% | 5,844 |
| Retained earnings to average equity (ytd only) | 2.6107% | 5,003 |
| Net charge-offs to loans | 0.5547% | 1,941 |
| Credit loss provision to net charge-offs | 121.1401% | 2,392 |
| Earnings coverage of net charge-offs (x) | 2.0879% | 4,227 |
| Efficiency ratio | 78.0195% | 2,399 |
| Assets per employee ($millions) | 3.3691% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 4,092 |
| Loan loss allowance to noncurrent loans | 88.5782% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 2.2177% | 2,414 |
| Noncurrent loans to loans | 1.6533% | 3,314 |
| Net loans and leases to total assets | 76.2497% | 934 |
| Net loans and leases to deposits | 86.5541% | 1,537 |
| Net loans and leases to core deposits | 89.1901% | 2,086 |
| Total domestic deposits to total assets | 88.0948% | 1,994 |
| Equity capital to assets | 9.0376% | 5,792 |
| Core capital (leverage) ratio | 9.0338% | 5,010 |
| Tier 1 risk-based capital ratio | 14.9087% | 3,914 |
| Total risk-based capital ratio | 16.1659% | 3,867 |
| Memoranda: | ||
| Average total assets | $130,625,750 | 4,169 |
| Average earning assets | $123,593,750 | 4,068 |
| Average equity | $11,746,250 | 4,667 |
| Average total loans | $101,196,000 | 3,534 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 3,751 |
| Cost of funding earning assets | 1.1672% | 956 |
| Net interest margin | 3.3360% | 5,323 |
| Noninterest income to average assets | 0.9097% | 1,750 |
| Noninterest expense to average assets | 3.1756% | 2,666 |
| Loan and lease loss provision to assets | 0.5523% | 1,113 |
| Net operating income to assets | 0.2086% | 5,888 |
| Return on assets (ROA) | 0.2086% | 6,073 |
| Pretax return on assets | 0.3344% | 5,881 |
| Return on Equity (ROE) | 2.3241% | 5,941 |
| Retained earnings to average equity (ytd only) | 2.3241% | 5,027 |
| Net charge-offs to loans | 0.7106% | 1,558 |
| Credit loss provision to net charge-offs | 100.2786% | 2,710 |
| Earnings coverage of net charge-offs (x) | 1.6100% | 4,185 |
| Efficiency ratio | 78.1722% | 2,439 |
| Assets per employee ($millions) | 3.3776% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,507 |
| Loan loss allowance to noncurrent loans | 77.6301% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.3085% | 2,427 |
| Noncurrent loans to loans | 1.7886% | 3,237 |
| Net loans and leases to total assets | 75.5868% | 1,022 |
| Net loans and leases to deposits | 86.3857% | 1,549 |
| Net loans and leases to core deposits | 89.0177% | 2,096 |
| Total domestic deposits to total assets | 87.4992% | 2,472 |
| Equity capital to assets | 8.9427% | 5,762 |
| Core capital (leverage) ratio | 8.9412% | 4,994 |
| Tier 1 risk-based capital ratio | 14.9040% | 3,828 |
| Total risk-based capital ratio | 16.1605% | 3,773 |
| Memoranda: | ||
| Average total assets | $130,369,000 | 4,202 |
| Average earning assets | $123,201,000 | 4,094 |
| Average equity | $11,703,330 | 4,675 |
| Average total loans | $101,035,330 | 3,544 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 3,731 |
| Cost of funding earning assets | 1.1745% | 1,088 |
| Net interest margin | 3.3733% | 5,226 |
| Noninterest income to average assets | 0.8944% | 1,770 |
| Noninterest expense to average assets | 3.2262% | 2,515 |
| Loan and lease loss provision to assets | 0.5552% | 1,054 |
| Net operating income to assets | 0.1881% | 6,018 |
| Return on assets (ROA) | 0.1881% | 6,161 |
| Pretax return on assets | 0.3023% | 5,971 |
| Return on Equity (ROE) | 2.0917% | 6,049 |
| Retained earnings to average equity (ytd only) | 2.0917% | 5,226 |
| Net charge-offs to loans | 0.5857% | 1,629 |
| Credit loss provision to net charge-offs | 121.6216% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.8784% | 3,396 |
| Efficiency ratio | 79.0030% | 2,351 |
| Assets per employee ($millions) | 3.3607% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 4,514 |
| Loan loss allowance to noncurrent loans | 54.3454% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.8436% | 2,054 |
| Noncurrent loans to loans | 2.6152% | 2,487 |
| Net loans and leases to total assets | 75.7820% | 824 |
| Net loans and leases to deposits | 86.5873% | 1,344 |
| Net loans and leases to core deposits | 89.2281% | 1,924 |
| Total domestic deposits to total assets | 87.5210% | 2,639 |
| Equity capital to assets | 8.9160% | 5,618 |
| Core capital (leverage) ratio | 8.9192% | 4,969 |
| Tier 1 risk-based capital ratio | 14.8223% | 3,876 |
| Total risk-based capital ratio | 16.0789% | 3,832 |
| Memoranda: | ||
| Average total assets | $129,689,500 | 4,237 |
| Average earning assets | $122,609,500 | 4,142 |
| Average equity | $11,665,000 | 4,686 |
| Average total loans | $101,067,500 | 3,567 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 3,724 |
| Cost of funding earning assets | 1.3489% | 1,241 |
| Net interest margin | 3.4696% | 5,253 |
| Noninterest income to average assets | 0.7629% | 2,274 |
| Noninterest expense to average assets | 3.2322% | 2,760 |
| Loan and lease loss provision to assets | 0.5634% | 1,854 |
| Net operating income to assets | 0.1405% | 5,766 |
| Return on assets (ROA) | 0.1565% | 5,856 |
| Pretax return on assets | 0.2566% | 5,660 |
| Return on Equity (ROE) | 1.7328% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.7328% | 4,987 |
| Net charge-offs to loans | 0.5460% | 2,828 |
| Credit loss provision to net charge-offs | 126.0946% | 2,472 |
| Earnings coverage of net charge-offs (x) | 1.7793% | 4,445 |
| Efficiency ratio | 80.2603% | 2,269 |
| Assets per employee ($millions) | 3.2078% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,552 |
| Loan loss allowance to noncurrent loans | 48.0110% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 3.0707% | 1,951 |
| Noncurrent loans to loans | 2.8764% | 2,272 |
| Net loans and leases to total assets | 77.9177% | 718 |
| Net loans and leases to deposits | 89.2811% | 1,227 |
| Net loans and leases to core deposits | 89.2811% | 2,223 |
| Total domestic deposits to total assets | 87.2723% | 2,595 |
| Equity capital to assets | 9.0748% | 5,456 |
| Core capital (leverage) ratio | 9.0082% | 4,771 |
| Tier 1 risk-based capital ratio | 14.8246% | 3,744 |
| Total risk-based capital ratio | 16.0812% | 3,714 |
| Memoranda: | ||
| Average total assets | $127,806,400 | 4,220 |
| Average earning assets | $120,244,200 | 4,128 |
| Average equity | $11,542,000 | 4,651 |
| Average total loans | $104,577,000 | 3,514 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 3,583 |
| Cost of funding earning assets | 1.3845% | 1,299 |
| Net interest margin | 3.5101% | 5,147 |
| Noninterest income to average assets | 0.7174% | 2,492 |
| Noninterest expense to average assets | 3.2257% | 2,743 |
| Loan and lease loss provision to assets | 0.5639% | 1,742 |
| Net operating income to assets | 0.1371% | 5,868 |
| Return on assets (ROA) | 0.1525% | 5,949 |
| Pretax return on assets | 0.2506% | 5,808 |
| Return on Equity (ROE) | 1.6903% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.6903% | 5,295 |
| Net charge-offs to loans | 0.4922% | 2,780 |
| Credit loss provision to net charge-offs | 138.8175% | 2,298 |
| Earnings coverage of net charge-offs (x) | 1.9460% | 4,196 |
| Efficiency ratio | 80.3172% | 2,213 |
| Assets per employee ($millions) | 3.2199% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 4,719 |
| Loan loss allowance to noncurrent loans | 68.6246% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.4473% | 2,634 |
| Noncurrent loans to loans | 1.9869% | 3,385 |
| Net loans and leases to total assets | 78.7451% | 633 |
| Net loans and leases to deposits | 90.2417% | 1,186 |
| Net loans and leases to core deposits | 90.2417% | 2,221 |
| Total domestic deposits to total assets | 87.2603% | 2,486 |
| Equity capital to assets | 8.9996% | 5,760 |
| Core capital (leverage) ratio | 8.9431% | 5,023 |
| Tier 1 risk-based capital ratio | 14.7354% | 3,813 |
| Total risk-based capital ratio | 15.9886% | 3,787 |
| Memoranda: | ||
| Average total assets | $127,680,250 | 4,238 |
| Average earning assets | $119,993,250 | 4,150 |
| Average equity | $11,516,500 | 4,688 |
| Average total loans | $105,377,000 | 3,515 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 3,407 |
| Cost of funding earning assets | 1.4227% | 1,321 |
| Net interest margin | 3.5249% | 5,044 |
| Noninterest income to average assets | 0.6771% | 2,668 |
| Noninterest expense to average assets | 3.2205% | 2,833 |
| Loan and lease loss provision to assets | 0.5656% | 1,711 |
| Net operating income to assets | 0.1200% | 5,967 |
| Return on assets (ROA) | 0.1351% | 6,015 |
| Pretax return on assets | 0.2231% | 5,879 |
| Return on Equity (ROE) | 1.4967% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.4967% | 5,234 |
| Net charge-offs to loans | 0.5987% | 2,326 |
| Credit loss provision to net charge-offs | 113.2075% | 2,707 |
| Earnings coverage of net charge-offs (x) | 1.5314% | 4,145 |
| Efficiency ratio | 80.8041% | 2,262 |
| Assets per employee ($millions) | 3.1485% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,346 |
| Loan loss allowance to noncurrent loans | 60.2797% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.7410% | 2,439 |
| Noncurrent loans to loans | 2.0635% | 3,391 |
| Net loans and leases to total assets | 81.5120% | 410 |
| Net loans and leases to deposits | 94.5154% | 835 |
| Net loans and leases to core deposits | 94.5154% | 1,845 |
| Total domestic deposits to total assets | 86.2420% | 3,188 |
| Equity capital to assets | 9.1559% | 5,348 |
| Core capital (leverage) ratio | 9.1010% | 4,566 |
| Tier 1 risk-based capital ratio | 14.5642% | 3,746 |
| Total risk-based capital ratio | 15.8191% | 3,718 |
| Memoranda: | ||
| Average total assets | $127,309,000 | 4,279 |
| Average earning assets | $119,493,000 | 4,195 |
| Average equity | $11,491,670 | 4,688 |
| Average total loans | $106,229,000 | 3,537 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 2,949 |
| Cost of funding earning assets | 1.4684% | 1,302 |
| Net interest margin | 3.5627% | 4,760 |
| Noninterest income to average assets | 0.6313% | 2,957 |
| Noninterest expense to average assets | 3.1814% | 2,958 |
| Loan and lease loss provision to assets | 0.5625% | 1,533 |
| Net operating income to assets | 0.1383% | 5,978 |
| Return on assets (ROA) | 0.1563% | 5,977 |
| Pretax return on assets | 0.2594% | 5,780 |
| Return on Equity (ROE) | 1.7434% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.7434% | 5,071 |
| Net charge-offs to loans | 0.6184% | 1,962 |
| Credit loss provision to net charge-offs | 108.4337% | 2,460 |
| Earnings coverage of net charge-offs (x) | 1.5301% | 3,565 |
| Efficiency ratio | 80.0314% | 2,526 |
| Assets per employee ($millions) | 3.2041% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,664 |
| Loan loss allowance to noncurrent loans | 140.8686% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.8305% | 3,527 |
| Noncurrent loans to loans | 0.8482% | 5,352 |
| Net loans and leases to total assets | 81.6172% | 374 |
| Net loans and leases to deposits | 94.7637% | 763 |
| Net loans and leases to core deposits | 95.0954% | 1,758 |
| Total domestic deposits to total assets | 86.1270% | 3,446 |
| Equity capital to assets | 8.9690% | 5,252 |
| Core capital (leverage) ratio | 8.9150% | 4,748 |
| Tier 1 risk-based capital ratio | 14.1505% | 3,971 |
| Total risk-based capital ratio | 15.4045% | 3,940 |
| Memoranda: | ||
| Average total assets | $127,993,000 | 4,309 |
| Average earning assets | $120,132,000 | 4,218 |
| Average equity | $11,472,000 | 4,677 |
| Average total loans | $107,368,500 | 3,550 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3747% | 2,787 |
| Cost of funding earning assets | 1.8766% | 922 |
| Net interest margin | 3.4981% | 5,254 |
| Noninterest income to average assets | 0.7577% | 2,496 |
| Noninterest expense to average assets | 3.1346% | 3,327 |
| Loan and lease loss provision to assets | 0.5585% | 2,892 |
| Net operating income to assets | 0.2161% | 5,228 |
| Return on assets (ROA) | 0.2281% | 5,336 |
| Pretax return on assets | 0.3710% | 5,028 |
| Return on Equity (ROE) | 2.5826% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.5826% | 4,053 |
| Net charge-offs to loans | 0.5228% | 3,532 |
| Credit loss provision to net charge-offs | 122.0137% | 3,435 |
| Earnings coverage of net charge-offs (x) | 1.9898% | 4,245 |
| Efficiency ratio | 77.4860% | 2,790 |
| Assets per employee ($millions) | 3.1176% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,740 |
| Loan loss allowance to noncurrent loans | 91.7828% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 2.1139% | 3,198 |
| Noncurrent loans to loans | 1.2520% | 4,629 |
| Net loans and leases to total assets | 84.1930% | 285 |
| Net loans and leases to deposits | 99.6011% | 602 |
| Net loans and leases to core deposits | 100.0595% | 1,609 |
| Total domestic deposits to total assets | 84.5302% | 4,094 |
| Equity capital to assets | 8.9569% | 5,205 |
| Core capital (leverage) ratio | 8.8985% | 4,704 |
| Tier 1 risk-based capital ratio | 14.0865% | 3,817 |
| Total risk-based capital ratio | 15.3407% | 3,781 |
| Memoranda: | ||
| Average total assets | $128,021,200 | 4,316 |
| Average earning assets | $120,322,400 | 4,223 |
| Average equity | $11,306,400 | 4,791 |
| Average total loans | $112,096,600 | 3,491 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 2,827 |
| Cost of funding earning assets | 1.9272% | 942 |
| Net interest margin | 3.4844% | 5,363 |
| Noninterest income to average assets | 0.7610% | 2,447 |
| Noninterest expense to average assets | 3.1097% | 3,296 |
| Loan and lease loss provision to assets | 0.5570% | 2,720 |
| Net operating income to assets | 0.2288% | 5,425 |
| Return on assets (ROA) | 0.2394% | 5,552 |
| Pretax return on assets | 0.3862% | 5,257 |
| Return on Equity (ROE) | 2.7208% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.7208% | 4,523 |
| Net charge-offs to loans | 0.5019% | 3,272 |
| Credit loss provision to net charge-offs | 125.8824% | 3,246 |
| Earnings coverage of net charge-offs (x) | 2.0941% | 4,154 |
| Efficiency ratio | 77.0441% | 2,757 |
| Assets per employee ($millions) | 3.1366% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,819 |
| Loan loss allowance to noncurrent loans | 89.4699% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 2.0529% | 3,403 |
| Noncurrent loans to loans | 1.2613% | 4,745 |
| Net loans and leases to total assets | 83.9325% | 333 |
| Net loans and leases to deposits | 99.2670% | 701 |
| Net loans and leases to core deposits | 99.4545% | 1,898 |
| Total domestic deposits to total assets | 84.5522% | 3,850 |
| Equity capital to assets | 8.8553% | 5,769 |
| Core capital (leverage) ratio | 8.7979% | 5,015 |
| Tier 1 risk-based capital ratio | 13.6764% | 4,066 |
| Total risk-based capital ratio | 14.9295% | 4,023 |
| Memoranda: | ||
| Average total assets | $128,070,750 | 4,371 |
| Average earning assets | $120,380,000 | 4,275 |
| Average equity | $11,270,750 | 4,865 |
| Average total loans | $112,903,500 | 3,531 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4558% | 2,726 |
| Cost of funding earning assets | 1.9671% | 993 |
| Net interest margin | 3.4887% | 5,290 |
| Noninterest income to average assets | 0.7428% | 2,439 |
| Noninterest expense to average assets | 3.1041% | 3,295 |
| Loan and lease loss provision to assets | 0.5551% | 2,550 |
| Net operating income to assets | 0.2274% | 5,469 |
| Return on assets (ROA) | 0.2314% | 5,589 |
| Pretax return on assets | 0.3706% | 5,305 |
| Return on Equity (ROE) | 2.6354% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.6354% | 4,464 |
| Net charge-offs to loans | 0.4310% | 3,267 |
| Credit loss provision to net charge-offs | 144.3089% | 2,753 |
| Earnings coverage of net charge-offs (x) | 2.3902% | 3,798 |
| Efficiency ratio | 77.1473% | 2,871 |
| Assets per employee ($millions) | 3.0445% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 5,968 |
| Loan loss allowance to noncurrent loans | 60.5509% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.3821% | 3,025 |
| Noncurrent loans to loans | 1.8075% | 3,993 |
| Net loans and leases to total assets | 86.9985% | 173 |
| Net loans and leases to deposits | 102.8827% | 541 |
| Net loans and leases to core deposits | 103.0858% | 1,725 |
| Total domestic deposits to total assets | 84.5609% | 3,842 |
| Equity capital to assets | 8.8418% | 5,681 |
| Core capital (leverage) ratio | 8.7862% | 4,938 |
| Tier 1 risk-based capital ratio | 13.2813% | 4,221 |
| Total risk-based capital ratio | 14.5339% | 4,182 |
| Memoranda: | ||
| Average total assets | $127,894,000 | 4,406 |
| Average earning assets | $120,275,670 | 4,307 |
| Average equity | $11,231,670 | 4,872 |
| Average total loans | $114,148,000 | 3,532 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4826% | 2,675 |
| Cost of funding earning assets | 2.0103% | 1,051 |
| Net interest margin | 3.4723% | 5,279 |
| Noninterest income to average assets | 0.6880% | 2,676 |
| Noninterest expense to average assets | 3.0429% | 3,509 |
| Loan and lease loss provision to assets | 0.5473% | 2,314 |
| Net operating income to assets | 0.2285% | 5,583 |
| Return on assets (ROA) | 0.2345% | 5,676 |
| Pretax return on assets | 0.3753% | 5,360 |
| Return on Equity (ROE) | 2.6799% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.6799% | 4,535 |
| Net charge-offs to loans | 0.3374% | 3,059 |
| Credit loss provision to net charge-offs | 180.4124% | 2,029 |
| Earnings coverage of net charge-offs (x) | 3.0103% | 3,047 |
| Efficiency ratio | 76.9170% | 3,071 |
| Assets per employee ($millions) | 3.0763% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 6,233 |
| Loan loss allowance to noncurrent loans | 48.6629% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 2.8296% | 2,563 |
| Noncurrent loans to loans | 2.1567% | 3,583 |
| Net loans and leases to total assets | 87.6367% | 139 |
| Net loans and leases to deposits | 104.5512% | 493 |
| Net loans and leases to core deposits | 104.5512% | 1,694 |
| Total domestic deposits to total assets | 83.8218% | 4,237 |
| Equity capital to assets | 8.6932% | 5,744 |
| Core capital (leverage) ratio | 8.6387% | 5,140 |
| Tier 1 risk-based capital ratio | 12.6112% | 4,635 |
| Total risk-based capital ratio | 13.8458% | 4,610 |
| Memoranda: | ||
| Average total assets | $127,906,000 | 4,458 |
| Average earning assets | $120,380,500 | 4,362 |
| Average equity | $11,194,500 | 4,924 |
| Average total loans | $114,984,000 | 3,571 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7066% | 3,072 |
| Cost of funding earning assets | 2.4219% | 1,237 |
| Net interest margin | 3.2847% | 5,801 |
| Noninterest income to average assets | 0.7146% | 2,873 |
| Noninterest expense to average assets | 3.3308% | 2,906 |
| Loan and lease loss provision to assets | 0.4889% | 3,930 |
| Net operating income to assets | -0.0004% | 5,485 |
| Return on assets (ROA) | 0.0481% | 5,401 |
| Pretax return on assets | 0.0758% | 5,267 |
| Return on Equity (ROE) | 0.5313% | 5,377 |
| Retained earnings to average equity (ytd only) | 0.5313% | 4,610 |
| Net charge-offs to loans | 0.4689% | 3,905 |
| Credit loss provision to net charge-offs | 114.9425% | 4,754 |
| Earnings coverage of net charge-offs (x) | 1.1494% | 4,971 |
| Efficiency ratio | 87.2014% | 1,967 |
| Assets per employee ($millions) | 3.0145% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,527 |
| Loan loss allowance to noncurrent loans | 47.6029% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 2.5409% | 2,755 |
| Noncurrent loans to loans | 2.0401% | 3,599 |
| Net loans and leases to total assets | 90.3694% | 78 |
| Net loans and leases to deposits | 109.6413% | 399 |
| Net loans and leases to core deposits | 130.3952% | 1,256 |
| Total domestic deposits to total assets | 82.4228% | 4,767 |
| Equity capital to assets | 8.8123% | 5,415 |
| Core capital (leverage) ratio | 8.7583% | 4,826 |
| Tier 1 risk-based capital ratio | 12.4632% | 4,553 |
| Total risk-based capital ratio | 13.7126% | 4,501 |
| Memoranda: | ||
| Average total assets | $122,732,000 | 4,498 |
| Average earning assets | $116,022,600 | 4,396 |
| Average equity | $11,105,600 | 4,992 |
| Average total loans | $111,321,400 | 3,659 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7410% | 3,129 |
| Cost of funding earning assets | 2.5156% | 1,245 |
| Net interest margin | 3.2253% | 5,933 |
| Noninterest income to average assets | 0.7172% | 2,904 |
| Noninterest expense to average assets | 3.3616% | 2,687 |
| Loan and lease loss provision to assets | 0.4818% | 3,492 |
| Net operating income to assets | -0.0756% | 5,852 |
| Return on assets (ROA) | 0.0044% | 5,759 |
| Pretax return on assets | 0.0044% | 5,698 |
| Return on Equity (ROE) | 0.0480% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.0480% | 5,184 |
| Net charge-offs to loans | 0.4329% | 3,517 |
| Credit loss provision to net charge-offs | 122.9050% | 4,117 |
| Earnings coverage of net charge-offs (x) | 1.0363% | 5,018 |
| Efficiency ratio | 89.2183% | 1,764 |
| Assets per employee ($millions) | 2.9390% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 6,331 |
| Loan loss allowance to noncurrent loans | 45.2936% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 2,999 |
| Noncurrent loans to loans | 2.1958% | 3,382 |
| Net loans and leases to total assets | 90.8075% | 85 |
| Net loans and leases to deposits | 109.2272% | 489 |
| Net loans and leases to core deposits | 129.1836% | 1,487 |
| Total domestic deposits to total assets | 83.1363% | 4,156 |
| Equity capital to assets | 8.9949% | 5,483 |
| Core capital (leverage) ratio | 8.9410% | 4,746 |
| Tier 1 risk-based capital ratio | 12.9870% | 4,199 |
| Total risk-based capital ratio | 14.2374% | 4,132 |
| Memoranda: | ||
| Average total assets | $121,763,250 | 4,549 |
| Average earning assets | $115,169,500 | 4,447 |
| Average equity | $11,092,750 | 5,049 |
| Average total loans | $110,267,750 | 3,728 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 3,372 |
| Cost of funding earning assets | 2.5871% | 1,324 |
| Net interest margin | 3.1471% | 6,101 |
| Noninterest income to average assets | 0.6914% | 3,044 |
| Noninterest expense to average assets | 3.3497% | 2,794 |
| Loan and lease loss provision to assets | 0.4785% | 3,131 |
| Net operating income to assets | -0.0983% | 6,005 |
| Return on assets (ROA) | -0.0561% | 6,000 |
| Pretax return on assets | -0.0941% | 5,984 |
| Return on Equity (ROE) | -0.6132% | 6,017 |
| Retained earnings to average equity (ytd only) | -0.6132% | 5,381 |
| Net charge-offs to loans | 0.4429% | 3,040 |
| Credit loss provision to net charge-offs | 119.8347% | 3,880 |
| Earnings coverage of net charge-offs (x) | 0.7975% | 4,936 |
| Efficiency ratio | 91.3180% | 1,697 |
| Assets per employee ($millions) | 2.9572% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,360 |
| Loan loss allowance to noncurrent loans | 32.0799% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 3.2374% | 1,932 |
| Noncurrent loans to loans | 3.0634% | 2,339 |
| Net loans and leases to total assets | 88.5865% | 209 |
| Net loans and leases to deposits | 107.8801% | 661 |
| Net loans and leases to core deposits | 125.9766% | 1,875 |
| Total domestic deposits to total assets | 82.1157% | 4,637 |
| Equity capital to assets | 8.9087% | 5,442 |
| Core capital (leverage) ratio | 8.8596% | 4,848 |
| Tier 1 risk-based capital ratio | 12.9732% | 4,167 |
| Total risk-based capital ratio | 14.2235% | 4,085 |
| Memoranda: | ||
| Average total assets | $121,205,330 | 4,597 |
| Average earning assets | $114,644,670 | 4,499 |
| Average equity | $11,089,330 | 5,061 |
| Average total loans | $109,285,000 | 3,777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8834% | 2,878 |
| Cost of funding earning assets | 2.6907% | 1,296 |
| Net interest margin | 3.1927% | 5,879 |
| Noninterest income to average assets | 0.6683% | 3,087 |
| Noninterest expense to average assets | 3.2312% | 2,852 |
| Loan and lease loss provision to assets | 0.4678% | 2,605 |
| Net operating income to assets | -0.0087% | 6,269 |
| Return on assets (ROA) | 0.0234% | 6,356 |
| Pretax return on assets | 0.0368% | 6,308 |
| Return on Equity (ROE) | 0.2522% | 6,354 |
| Retained earnings to average equity (ytd only) | 0.2522% | 5,558 |
| Net charge-offs to loans | 0.4282% | 2,388 |
| Credit loss provision to net charge-offs | 120.6897% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.1724% | 4,166 |
| Efficiency ratio | 87.6700% | 1,920 |
| Assets per employee ($millions) | 2.8914% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,272 |
| Loan loss allowance to noncurrent loans | 32.9528% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 3.1637% | 1,764 |
| Noncurrent loans to loans | 2.9985% | 2,176 |
| Net loans and leases to total assets | 88.1265% | 253 |
| Net loans and leases to deposits | 107.7940% | 740 |
| Net loans and leases to core deposits | 126.9619% | 1,849 |
| Total domestic deposits to total assets | 81.7546% | 4,654 |
| Equity capital to assets | 9.1453% | 5,157 |
| Core capital (leverage) ratio | 9.0952% | 4,565 |
| Tier 1 risk-based capital ratio | 13.5207% | 3,848 |
| Total risk-based capital ratio | 14.7713% | 3,776 |
| Memoranda: | ||
| Average total assets | $119,706,000 | 4,668 |
| Average earning assets | $113,132,500 | 4,556 |
| Average equity | $11,101,500 | 5,078 |
| Average total loans | $108,367,500 | 3,827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3093% | 3,914 |
| Cost of funding earning assets | 3.1863% | 1,239 |
| Net interest margin | 3.1230% | 6,583 |
| Noninterest income to average assets | 0.7857% | 2,592 |
| Noninterest expense to average assets | 3.1744% | 3,430 |
| Loan and lease loss provision to assets | 0.2908% | 4,056 |
| Net operating income to assets | 0.1741% | 5,932 |
| Return on assets (ROA) | 0.2008% | 5,660 |
| Pretax return on assets | 0.3191% | 5,465 |
| Return on Equity (ROE) | 2.1957% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.1957% | 3,852 |
| Net charge-offs to loans | 0.3311% | 3,188 |
| Credit loss provision to net charge-offs | 98.0337% | 5,447 |
| Earnings coverage of net charge-offs (x) | 1.9157% | 5,111 |
| Efficiency ratio | 84.8175% | 1,979 |
| Assets per employee ($millions) | 2.8089% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,339 |
| Loan loss allowance to noncurrent loans | 69.3688% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6521% | 2,934 |
| Noncurrent loans to loans | 1.3852% | 3,747 |
| Net loans and leases to total assets | 91.2099% | 122 |
| Net loans and leases to deposits | 113.5388% | 635 |
| Net loans and leases to core deposits | 134.1566% | 1,590 |
| Total domestic deposits to total assets | 80.3336% | 4,896 |
| Equity capital to assets | 9.4064% | 4,812 |
| Core capital (leverage) ratio | 9.3534% | 4,227 |
| Tier 1 risk-based capital ratio | 13.8215% | 3,636 |
| Total risk-based capital ratio | 15.0723% | 3,560 |
| Memoranda: | ||
| Average total assets | $120,021,000 | 4,522 |
| Average earning assets | $113,642,200 | 4,432 |
| Average equity | $10,976,200 | 5,129 |
| Average total loans | $107,535,800 | 3,751 |