Home > Union Savings Bank > Performance and Condition Ratios
Union Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 4,365 |
| Cost of funding earning assets | 0.9998% | 3,293 |
| Net interest margin | 2.5737% | 4,005 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 3.4864% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0284% | 4,402 |
| Return on assets (ROA) | -0.1254% | 4,419 |
| Pretax return on assets | -0.2212% | 4,435 |
| Return on Equity (ROE) | -2.3300% | 4,427 |
| Retained earnings to average equity (ytd only) | -2.3655% | 4,292 |
| Net charge-offs to loans | 0.0044% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -37.2000% | 4,577 |
| Efficiency ratio | 102.9058% | 163 |
| Assets per employee ($millions) | 3.7258% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 4,009 |
| Loan loss allowance to noncurrent loans | 232.3450% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 2,077 |
| Noncurrent loans to loans | 0.3349% | 1,979 |
| Net loans and leases to total assets | 59.0000% | 2,945 |
| Net loans and leases to deposits | 63.3427% | 3,331 |
| Net loans and leases to core deposits | 66.1780% | 3,488 |
| Total domestic deposits to total assets | 93.1400% | 158 |
| Equity capital to assets | 5.9863% | 4,240 |
| Core capital (leverage) ratio | 9.2476% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $188,933,800 | 3,061 |
| Average earning assets | $179,043,400 | 3,017 |
| Average equity | $10,188,000 | 3,700 |
| Average total loans | $113,084,800 | 3,016 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 4,359 |
| Cost of funding earning assets | 0.9144% | 3,239 |
| Net interest margin | 2.6243% | 3,995 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 3.4635% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0366% | 4,355 |
| Return on assets (ROA) | -0.0534% | 4,441 |
| Pretax return on assets | -0.1308% | 4,457 |
| Return on Equity (ROE) | -1.0200% | 4,428 |
| Retained earnings to average equity (ytd only) | -1.0723% | 4,259 |
| Net charge-offs to loans | 0.0047% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 4,588 |
| Efficiency ratio | 100.4897% | 171 |
| Assets per employee ($millions) | 3.3996% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 4,031 |
| Loan loss allowance to noncurrent loans | 224.7396% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,056 |
| Noncurrent loans to loans | 0.3436% | 1,999 |
| Net loans and leases to total assets | 60.4200% | 2,797 |
| Net loans and leases to deposits | 64.2460% | 3,250 |
| Net loans and leases to core deposits | 66.3542% | 3,406 |
| Total domestic deposits to total assets | 94.0400% | 186 |
| Equity capital to assets | 5.0300% | 4,243 |
| Core capital (leverage) ratio | 9.2775% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $189,594,250 | 3,064 |
| Average earning assets | $179,500,750 | 3,020 |
| Average equity | $9,947,000 | 3,728 |
| Average total loans | $113,662,750 | 3,016 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 4,377 |
| Cost of funding earning assets | 0.8227% | 3,149 |
| Net interest margin | 2.6412% | 4,056 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.3894% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0282% | 4,490 |
| Return on assets (ROA) | -0.0282% | 4,480 |
| Pretax return on assets | -0.1159% | 4,494 |
| Return on Equity (ROE) | -0.5300% | 4,458 |
| Retained earnings to average equity (ytd only) | -0.6088% | 4,177 |
| Net charge-offs to loans | 0.0035% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -55.5000% | 4,651 |
| Efficiency ratio | 103.5395% | 130 |
| Assets per employee ($millions) | 3.6059% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 4,106 |
| Loan loss allowance to noncurrent loans | 136.6509% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 1,431 |
| Noncurrent loans to loans | 0.5486% | 1,360 |
| Net loans and leases to total assets | 61.0700% | 2,665 |
| Net loans and leases to deposits | 65.8636% | 3,067 |
| Net loans and leases to core deposits | 67.7146% | 3,246 |
| Total domestic deposits to total assets | 92.7300% | 293 |
| Equity capital to assets | 5.5203% | 4,287 |
| Core capital (leverage) ratio | 9.0223% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $191,599,667 | 3,055 |
| Average earning assets | $181,587,000 | 3,019 |
| Average equity | $10,184,667 | 3,720 |
| Average total loans | $114,292,333 | 3,015 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 4,439 |
| Cost of funding earning assets | 0.7393% | 2,929 |
| Net interest margin | 2.5558% | 4,251 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 3.3078% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1383% | 4,408 |
| Return on assets (ROA) | 0.1383% | 4,383 |
| Pretax return on assets | 0.0372% | 4,435 |
| Return on Equity (ROE) | 2.6400% | 4,226 |
| Retained earnings to average equity (ytd only) | 2.4814% | 3,610 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.8889% | 188 |
| Assets per employee ($millions) | 3.7602% | 4,336 |
| Cash dividends to net income (ytd only)* | 5.9701% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 4,157 |
| Loan loss allowance to noncurrent loans | 229.3651% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 1,986 |
| Noncurrent loans to loans | 0.3329% | 1,963 |
| Net loans and leases to total assets | 57.6200% | 2,898 |
| Net loans and leases to deposits | 63.2160% | 3,149 |
| Net loans and leases to core deposits | 64.8423% | 3,292 |
| Total domestic deposits to total assets | 91.1500% | 755 |
| Equity capital to assets | 5.4672% | 4,345 |
| Core capital (leverage) ratio | 8.8917% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2884% | 1,313 |
| Memoranda: | ||
| Average total assets | $193,725,500 | 3,076 |
| Average earning assets | $183,425,500 | 3,041 |
| Average equity | $10,155,500 | 3,767 |
| Average total loans | $113,747,500 | 3,050 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0112% | 4,119 |
| Cost of funding earning assets | 0.3202% | 2,724 |
| Net interest margin | 2.6910% | 4,067 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.3616% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1662% | 4,470 |
| Return on assets (ROA) | 0.1662% | 4,452 |
| Pretax return on assets | 0.1615% | 4,462 |
| Return on Equity (ROE) | 2.6400% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.6063% | 3,818 |
| Net charge-offs to loans | 0.0309% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.8286% | 2,248 |
| Efficiency ratio | 95.4168% | 206 |
| Assets per employee ($millions) | 3.9168% | 4,315 |
| Cash dividends to net income (ytd only)* | 1.2579% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 4,115 |
| Loan loss allowance to noncurrent loans | 489.8305% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 2,646 |
| Noncurrent loans to loans | 0.1553% | 2,717 |
| Net loans and leases to total assets | 58.9300% | 2,741 |
| Net loans and leases to deposits | 64.6678% | 2,982 |
| Net loans and leases to core deposits | 65.6411% | 3,156 |
| Total domestic deposits to total assets | 91.1200% | 909 |
| Equity capital to assets | 5.0130% | 4,363 |
| Core capital (leverage) ratio | 9.1412% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2186% | 1,309 |
| Memoranda: | ||
| Average total assets | $191,364,400 | 3,094 |
| Average earning assets | $181,753,800 | 3,053 |
| Average equity | $12,047,600 | 3,664 |
| Average total loans | $113,447,800 | 2,996 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9617% | 3,959 |
| Cost of funding earning assets | 0.2872% | 2,307 |
| Net interest margin | 2.6745% | 3,982 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 3.3858% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1429% | 4,519 |
| Return on assets (ROA) | 0.1429% | 4,488 |
| Pretax return on assets | 0.1095% | 4,512 |
| Return on Equity (ROE) | 2.1600% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.1178% | 4,002 |
| Net charge-offs to loans | 0.0329% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.6071% | 2,139 |
| Efficiency ratio | 96.8681% | 190 |
| Assets per employee ($millions) | 3.6887% | 4,434 |
| Cash dividends to net income (ytd only)* | 1.9512% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 4,162 |
| Loan loss allowance to noncurrent loans | 464.8936% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,590 |
| Noncurrent loans to loans | 0.1633% | 2,785 |
| Net loans and leases to total assets | 61.9600% | 2,295 |
| Net loans and leases to deposits | 66.7826% | 2,647 |
| Net loans and leases to core deposits | 67.6295% | 2,831 |
| Total domestic deposits to total assets | 92.7800% | 637 |
| Equity capital to assets | 5.0392% | 4,281 |
| Core capital (leverage) ratio | 9.1113% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4992% | 1,572 |
| Memoranda: | ||
| Average total assets | $191,225,250 | 3,116 |
| Average earning assets | $181,961,500 | 3,077 |
| Average equity | $12,654,250 | 3,645 |
| Average total loans | $113,319,750 | 3,005 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8838% | 3,822 |
| Cost of funding earning assets | 0.2798% | 1,910 |
| Net interest margin | 2.6040% | 3,904 |
| Noninterest income to average assets | 0.9530% | 746 |
| Noninterest expense to average assets | 3.3501% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1220% | 4,495 |
| Return on assets (ROA) | 0.1220% | 4,462 |
| Pretax return on assets | 0.0848% | 4,501 |
| Return on Equity (ROE) | 1.7133% | 4,381 |
| Retained earnings to average equity (ytd only) | 1.6407% | 3,842 |
| Net charge-offs to loans | 0.0071% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,547 |
| Efficiency ratio | 97.5324% | 223 |
| Assets per employee ($millions) | 3.7626% | 4,468 |
| Cash dividends to net income (ytd only)* | 4.2373% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,200 |
| Loan loss allowance to noncurrent loans | 285.9873% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 2,080 |
| Noncurrent loans to loans | 0.2737% | 2,383 |
| Net loans and leases to total assets | 59.3238% | 2,404 |
| Net loans and leases to deposits | 63.6501% | 2,752 |
| Net loans and leases to core deposits | 64.5367% | 2,924 |
| Total domestic deposits to total assets | 93.2029% | 466 |
| Equity capital to assets | 6.4766% | 4,031 |
| Core capital (leverage) ratio | 8.6644% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3032% | 1,627 |
| Memoranda: | ||
| Average total assets | $193,489,000 | 3,133 |
| Average earning assets | $184,408,333 | 3,108 |
| Average equity | $13,774,333 | 3,606 |
| Average total loans | $112,708,667 | 3,036 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8256% | 3,699 |
| Cost of funding earning assets | 0.2757% | 1,868 |
| Net interest margin | 2.5499% | 3,786 |
| Noninterest income to average assets | 0.8647% | 903 |
| Noninterest expense to average assets | 3.1870% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0906% | 4,480 |
| Return on assets (ROA) | 0.0906% | 4,452 |
| Pretax return on assets | 0.1153% | 4,426 |
| Return on Equity (ROE) | 1.2182% | 4,387 |
| Retained earnings to average equity (ytd only) | 1.1075% | 3,804 |
| Net charge-offs to loans | -0.0107% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5087% | 317 |
| Assets per employee ($millions) | 3.9533% | 4,423 |
| Cash dividends to net income (ytd only)* | 9.0909% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 4,242 |
| Loan loss allowance to noncurrent loans | 201.5590% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 1,750 |
| Noncurrent loans to loans | 0.3971% | 2,069 |
| Net loans and leases to total assets | 57.9063% | 2,311 |
| Net loans and leases to deposits | 62.3441% | 2,685 |
| Net loans and leases to core deposits | 63.2964% | 2,858 |
| Total domestic deposits to total assets | 92.8817% | 306 |
| Equity capital to assets | 6.6774% | 4,354 |
| Core capital (leverage) ratio | 8.4564% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4473% | 1,395 |
| Memoranda: | ||
| Average total assets | $194,288,000 | 3,142 |
| Average earning assets | $185,732,000 | 3,105 |
| Average equity | $14,447,500 | 3,612 |
| Average total loans | $111,695,500 | 3,037 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9319% | 4,000 |
| Cost of funding earning assets | 0.3498% | 1,936 |
| Net interest margin | 2.5820% | 4,074 |
| Noninterest income to average assets | 1.0434% | 927 |
| Noninterest expense to average assets | 3.3672% | 574 |
| Loan and lease loss provision to assets | 0.0107% | 2,868 |
| Net operating income to assets | 0.1114% | 4,614 |
| Return on assets (ROA) | 0.1114% | 4,622 |
| Pretax return on assets | 0.1471% | 4,606 |
| Return on Equity (ROE) | 1.2823% | 4,578 |
| Retained earnings to average equity (ytd only) | 1.2577% | 4,190 |
| Net charge-offs to loans | 0.0229% | 1,794 |
| Credit loss provision to net charge-offs | 76.9231% | 1,976 |
| Earnings coverage of net charge-offs (x) | 11.3846% | 2,158 |
| Efficiency ratio | 95.5253% | 204 |
| Assets per employee ($millions) | 3.8973% | 4,457 |
| Cash dividends to net income (ytd only)* | 1.9139% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 4,239 |
| Loan loss allowance to noncurrent loans | 3,608.0000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,379 |
| Noncurrent loans to loans | 0.0227% | 3,905 |
| Net loans and leases to total assets | 56.1482% | 2,588 |
| Net loans and leases to deposits | 61.5393% | 2,932 |
| Net loans and leases to core deposits | 62.4872% | 3,116 |
| Total domestic deposits to total assets | 91.2395% | 406 |
| Equity capital to assets | 8.1904% | 4,241 |
| Core capital (leverage) ratio | 8.5022% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3153% | 1,431 |
| Memoranda: | ||
| Average total assets | $187,662,400 | 3,146 |
| Average earning assets | $180,363,800 | 3,090 |
| Average equity | $16,299,200 | 3,517 |
| Average total loans | $113,764,200 | 3,012 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9706% | 4,057 |
| Cost of funding earning assets | 0.3659% | 1,975 |
| Net interest margin | 2.6047% | 4,123 |
| Noninterest income to average assets | 1.0696% | 966 |
| Noninterest expense to average assets | 3.4240% | 512 |
| Loan and lease loss provision to assets | 0.0145% | 2,706 |
| Net operating income to assets | 0.1047% | 4,696 |
| Return on assets (ROA) | 0.1047% | 4,712 |
| Pretax return on assets | 0.1385% | 4,695 |
| Return on Equity (ROE) | 1.1881% | 4,679 |
| Retained earnings to average equity (ytd only) | 1.1556% | 4,379 |
| Net charge-offs to loans | -0.0116% | 3,733 |
| Credit loss provision to net charge-offs | -200.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7280% | 199 |
| Assets per employee ($millions) | 3.7369% | 4,564 |
| Cash dividends to net income (ytd only)* | 2.7397% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,272 |
| Loan loss allowance to noncurrent loans | 1,235.5263% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 3,436 |
| Noncurrent loans to loans | 0.0689% | 3,752 |
| Net loans and leases to total assets | 58.5099% | 2,424 |
| Net loans and leases to deposits | 64.5543% | 2,786 |
| Net loans and leases to core deposits | 65.5935% | 2,992 |
| Total domestic deposits to total assets | 90.6367% | 489 |
| Equity capital to assets | 8.7312% | 4,046 |
| Core capital (leverage) ratio | 8.8142% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,862,250 | 3,195 |
| Average earning assets | $178,903,000 | 3,144 |
| Average equity | $16,384,000 | 3,561 |
| Average total loans | $114,626,750 | 3,044 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9810% | 4,078 |
| Cost of funding earning assets | 0.3837% | 2,028 |
| Net interest margin | 2.5973% | 4,176 |
| Noninterest income to average assets | 1.1114% | 914 |
| Noninterest expense to average assets | 3.4387% | 511 |
| Loan and lease loss provision to assets | 0.0216% | 2,542 |
| Net operating income to assets | 0.1143% | 4,696 |
| Return on assets (ROA) | 0.1143% | 4,715 |
| Pretax return on assets | 0.1541% | 4,696 |
| Return on Equity (ROE) | 1.2921% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.2433% | 4,293 |
| Net charge-offs to loans | -0.0172% | 3,918 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1387% | 232 |
| Assets per employee ($millions) | 3.5550% | 4,650 |
| Cash dividends to net income (ytd only)* | 3.7736% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 4,337 |
| Loan loss allowance to noncurrent loans | 1,769.8113% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,719 |
| Noncurrent loans to loans | 0.0462% | 3,949 |
| Net loans and leases to total assets | 60.3435% | 2,387 |
| Net loans and leases to deposits | 66.9282% | 2,731 |
| Net loans and leases to core deposits | 67.9994% | 2,960 |
| Total domestic deposits to total assets | 90.1615% | 696 |
| Equity capital to assets | 8.7011% | 4,048 |
| Core capital (leverage) ratio | 8.7231% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6335% | 1,436 |
| Memoranda: | ||
| Average total assets | $185,534,000 | 3,206 |
| Average earning assets | $178,797,667 | 3,146 |
| Average equity | $16,407,333 | 3,566 |
| Average total loans | $116,081,333 | 3,044 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9684% | 4,152 |
| Cost of funding earning assets | 0.4054% | 2,052 |
| Net interest margin | 2.5630% | 4,216 |
| Noninterest income to average assets | 1.0125% | 1,110 |
| Noninterest expense to average assets | 3.3352% | 569 |
| Loan and lease loss provision to assets | 0.0435% | 2,198 |
| Net operating income to assets | 0.0804% | 4,726 |
| Return on assets (ROA) | 0.0804% | 4,737 |
| Pretax return on assets | 0.1065% | 4,724 |
| Return on Equity (ROE) | 0.9017% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.8042% | 4,253 |
| Net charge-offs to loans | -0.0377% | 4,281 |
| Credit loss provision to net charge-offs | -181.8182% | 2,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6983% | 254 |
| Assets per employee ($millions) | 3.5955% | 4,657 |
| Cash dividends to net income (ytd only)* | 10.8108% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 4,391 |
| Loan loss allowance to noncurrent loans | 392.8870% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 3,317 |
| Noncurrent loans to loans | 0.2063% | 3,365 |
| Net loans and leases to total assets | 60.3030% | 2,508 |
| Net loans and leases to deposits | 66.3407% | 2,887 |
| Net loans and leases to core deposits | 67.3927% | 3,121 |
| Total domestic deposits to total assets | 90.8990% | 439 |
| Equity capital to assets | 8.4235% | 4,179 |
| Core capital (leverage) ratio | 8.8281% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9574% | 1,296 |
| Memoranda: | ||
| Average total assets | $184,094,500 | 3,215 |
| Average earning assets | $177,602,000 | 3,141 |
| Average equity | $16,414,000 | 3,567 |
| Average total loans | $116,805,500 | 3,043 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 3,831 |
| Cost of funding earning assets | 0.5399% | 2,678 |
| Net interest margin | 3.0515% | 3,748 |
| Noninterest income to average assets | 1.0427% | 968 |
| Noninterest expense to average assets | 3.7113% | 519 |
| Loan and lease loss provision to assets | 0.1237% | 2,818 |
| Net operating income to assets | 0.0884% | 4,680 |
| Return on assets (ROA) | 0.2008% | 4,630 |
| Pretax return on assets | 0.2779% | 4,575 |
| Return on Equity (ROE) | 2.0176% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.9935% | 3,827 |
| Net charge-offs to loans | 0.1053% | 1,417 |
| Credit loss provision to net charge-offs | 171.0744% | 2,312 |
| Earnings coverage of net charge-offs (x) | 3.5868% | 3,068 |
| Efficiency ratio | 93.4688% | 284 |
| Assets per employee ($millions) | 3.3515% | 4,705 |
| Cash dividends to net income (ytd only)* | 1.1905% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,479 |
| Loan loss allowance to noncurrent loans | 1,853.0612% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,957 |
| Noncurrent loans to loans | 0.0416% | 4,130 |
| Net loans and leases to total assets | 65.7835% | 2,125 |
| Net loans and leases to deposits | 73.3038% | 2,563 |
| Net loans and leases to core deposits | 74.4192% | 2,872 |
| Total domestic deposits to total assets | 89.7409% | 658 |
| Equity capital to assets | 9.4445% | 3,663 |
| Core capital (leverage) ratio | 9.2488% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5330% | 1,397 |
| Memoranda: | ||
| Average total assets | $167,355,400 | 3,221 |
| Average earning assets | $160,575,000 | 3,160 |
| Average equity | $16,653,800 | 3,486 |
| Average total loans | $114,881,200 | 3,036 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 3,775 |
| Cost of funding earning assets | 0.5631% | 2,851 |
| Net interest margin | 3.1487% | 3,622 |
| Noninterest income to average assets | 1.0664% | 917 |
| Noninterest expense to average assets | 3.7979% | 457 |
| Loan and lease loss provision to assets | 0.1311% | 2,711 |
| Net operating income to assets | 0.1133% | 4,687 |
| Return on assets (ROA) | 0.1133% | 4,715 |
| Pretax return on assets | 0.1553% | 4,692 |
| Return on Equity (ROE) | 1.1229% | 4,685 |
| Retained earnings to average equity (ytd only) | 1.0908% | 4,227 |
| Net charge-offs to loans | 0.1039% | 1,277 |
| Credit loss provision to net charge-offs | 182.0225% | 2,174 |
| Earnings coverage of net charge-offs (x) | 3.9775% | 2,864 |
| Efficiency ratio | 92.9873% | 285 |
| Assets per employee ($millions) | 3.1616% | 4,795 |
| Cash dividends to net income (ytd only)* | 2.8571% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 4,499 |
| Loan loss allowance to noncurrent loans | 739.6694% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 3,828 |
| Noncurrent loans to loans | 0.1003% | 3,972 |
| Net loans and leases to total assets | 70.1227% | 1,929 |
| Net loans and leases to deposits | 78.5048% | 2,477 |
| Net loans and leases to core deposits | 79.4731% | 2,888 |
| Total domestic deposits to total assets | 89.3228% | 638 |
| Equity capital to assets | 9.8537% | 3,377 |
| Core capital (leverage) ratio | 9.4666% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9632% | 1,255 |
| Memoranda: | ||
| Average total assets | $164,787,250 | 3,219 |
| Average earning assets | $157,945,250 | 3,171 |
| Average equity | $16,623,250 | 3,491 |
| Average total loans | $114,162,000 | 3,054 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 3,763 |
| Cost of funding earning assets | 0.5863% | 3,039 |
| Net interest margin | 3.2538% | 3,511 |
| Noninterest income to average assets | 0.9926% | 1,000 |
| Noninterest expense to average assets | 3.8426% | 480 |
| Loan and lease loss provision to assets | 0.1228% | 2,804 |
| Net operating income to assets | 0.1044% | 4,682 |
| Return on assets (ROA) | 0.1044% | 4,713 |
| Pretax return on assets | 0.1425% | 4,690 |
| Return on Equity (ROE) | 1.0268% | 4,684 |
| Retained earnings to average equity (ytd only) | 0.9785% | 4,105 |
| Net charge-offs to loans | 0.1196% | 1,130 |
| Credit loss provision to net charge-offs | 149.2537% | 2,129 |
| Earnings coverage of net charge-offs (x) | 3.2239% | 2,697 |
| Efficiency ratio | 93.5407% | 307 |
| Assets per employee ($millions) | 3.2701% | 4,758 |
| Cash dividends to net income (ytd only)* | 4.7059% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 4,488 |
| Loan loss allowance to noncurrent loans | 62.8488% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 1,415 |
| Noncurrent loans to loans | 1.1772% | 1,329 |
| Net loans and leases to total assets | 66.2614% | 2,588 |
| Net loans and leases to deposits | 74.1474% | 3,066 |
| Net loans and leases to core deposits | 75.0448% | 3,367 |
| Total domestic deposits to total assets | 89.3645% | 620 |
| Equity capital to assets | 9.7331% | 3,437 |
| Core capital (leverage) ratio | 9.3872% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8913% | 1,269 |
| Memoranda: | ||
| Average total assets | $162,807,000 | 3,221 |
| Average earning assets | $155,881,333 | 3,174 |
| Average equity | $16,556,667 | 3,496 |
| Average total loans | $112,011,333 | 3,069 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,952 |
| Cost of funding earning assets | 0.6379% | 3,239 |
| Net interest margin | 3.3039% | 3,580 |
| Noninterest income to average assets | 0.9901% | 879 |
| Noninterest expense to average assets | 3.9276% | 543 |
| Loan and lease loss provision to assets | 0.1269% | 2,122 |
| Net operating income to assets | 0.0711% | 4,688 |
| Return on assets (ROA) | 0.0711% | 4,682 |
| Pretax return on assets | 0.0914% | 4,671 |
| Return on Equity (ROE) | 0.6829% | 4,669 |
| Retained earnings to average equity (ytd only) | 0.5853% | 3,847 |
| Net charge-offs to loans | 0.1997% | 690 |
| Credit loss provision to net charge-offs | 90.9091% | 1,892 |
| Earnings coverage of net charge-offs (x) | 1.5636% | 2,377 |
| Efficiency ratio | 94.7336% | 356 |
| Assets per employee ($millions) | 3.0303% | 4,779 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 4,544 |
| Loan loss allowance to noncurrent loans | 95.2270% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 1,913 |
| Noncurrent loans to loans | 0.7746% | 2,064 |
| Net loans and leases to total assets | 68.5379% | 2,463 |
| Net loans and leases to deposits | 77.2225% | 2,949 |
| Net loans and leases to core deposits | 78.0393% | 3,352 |
| Total domestic deposits to total assets | 88.7538% | 781 |
| Equity capital to assets | 10.3751% | 3,449 |
| Core capital (leverage) ratio | 10.1015% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4109% | 1,252 |
| Memoranda: | ||
| Average total assets | $157,553,000 | 3,236 |
| Average earning assets | $150,490,500 | 3,188 |
| Average equity | $16,400,500 | 3,524 |
| Average total loans | $110,168,500 | 3,077 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 4,079 |
| Cost of funding earning assets | 0.6238% | 3,538 |
| Net interest margin | 3.4590% | 3,567 |
| Noninterest income to average assets | 1.0211% | 933 |
| Noninterest expense to average assets | 3.8105% | 664 |
| Loan and lease loss provision to assets | 0.0207% | 3,606 |
| Net operating income to assets | 0.3727% | 4,646 |
| Return on assets (ROA) | 0.3727% | 4,676 |
| Pretax return on assets | 0.4954% | 4,587 |
| Return on Equity (ROE) | 3.6641% | 4,541 |
| Retained earnings to average equity (ytd only) | 3.6387% | 3,178 |
| Net charge-offs to loans | 0.1270% | 1,504 |
| Credit loss provision to net charge-offs | 22.8571% | 3,309 |
| Earnings coverage of net charge-offs (x) | 5.7071% | 3,052 |
| Efficiency ratio | 88.0728% | 433 |
| Assets per employee ($millions) | 2.8611% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.6932% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 4,447 |
| Loan loss allowance to noncurrent loans | 97.6275% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 1,809 |
| Noncurrent loans to loans | 0.7703% | 1,974 |
| Net loans and leases to total assets | 70.3042% | 2,346 |
| Net loans and leases to deposits | 79.2540% | 2,874 |
| Net loans and leases to core deposits | 80.2749% | 3,274 |
| Total domestic deposits to total assets | 88.7074% | 788 |
| Equity capital to assets | 10.4453% | 3,497 |
| Core capital (leverage) ratio | 10.4636% | 2,989 |
| Tier 1 risk-based capital ratio | 16.0674% | 2,384 |
| Total risk-based capital ratio | 16.8876% | 2,468 |
| Memoranda: | ||
| Average total assets | $154,834,200 | 3,245 |
| Average earning assets | $147,962,600 | 3,192 |
| Average equity | $15,747,400 | 3,570 |
| Average total loans | $110,228,000 | 3,082 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 4,203 |
| Cost of funding earning assets | 0.6145% | 3,619 |
| Net interest margin | 3.4639% | 3,684 |
| Noninterest income to average assets | 1.0216% | 898 |
| Noninterest expense to average assets | 3.7507% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4389% | 4,641 |
| Return on assets (ROA) | 0.4389% | 4,677 |
| Pretax return on assets | 0.5844% | 4,568 |
| Return on Equity (ROE) | 4.3450% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.3109% | 3,239 |
| Net charge-offs to loans | 0.1244% | 1,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.5922% | 2,824 |
| Efficiency ratio | 86.5198% | 472 |
| Assets per employee ($millions) | 2.8646% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.7838% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 4,556 |
| Loan loss allowance to noncurrent loans | 95.4965% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 2,123 |
| Noncurrent loans to loans | 0.7821% | 2,009 |
| Net loans and leases to total assets | 72.3847% | 2,118 |
| Net loans and leases to deposits | 81.6739% | 2,729 |
| Net loans and leases to core deposits | 82.7464% | 3,197 |
| Total domestic deposits to total assets | 88.6264% | 770 |
| Equity capital to assets | 10.5826% | 3,481 |
| Core capital (leverage) ratio | 10.5669% | 3,043 |
| Tier 1 risk-based capital ratio | 16.6000% | 2,228 |
| Total risk-based capital ratio | 17.4551% | 2,293 |
| Memoranda: | ||
| Average total assets | $154,917,750 | 3,274 |
| Average earning assets | $148,190,750 | 3,227 |
| Average equity | $15,649,750 | 3,618 |
| Average total loans | $110,424,250 | 3,116 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 4,270 |
| Cost of funding earning assets | 0.5990% | 3,656 |
| Net interest margin | 3.4547% | 3,731 |
| Noninterest income to average assets | 1.0067% | 864 |
| Noninterest expense to average assets | 3.7076% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4553% | 4,632 |
| Return on assets (ROA) | 0.4553% | 4,657 |
| Pretax return on assets | 0.6053% | 4,535 |
| Return on Equity (ROE) | 4.5775% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.5259% | 3,009 |
| Net charge-offs to loans | 0.1523% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.6190% | 2,636 |
| Efficiency ratio | 85.9649% | 552 |
| Assets per employee ($millions) | 2.9796% | 4,920 |
| Cash dividends to net income (ytd only)* | 1.1268% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 4,529 |
| Loan loss allowance to noncurrent loans | 114.7897% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 2,360 |
| Noncurrent loans to loans | 0.6741% | 2,281 |
| Net loans and leases to total assets | 70.0136% | 2,528 |
| Net loans and leases to deposits | 78.7086% | 3,093 |
| Net loans and leases to core deposits | 79.8635% | 3,433 |
| Total domestic deposits to total assets | 88.9529% | 679 |
| Equity capital to assets | 10.2726% | 3,723 |
| Core capital (leverage) ratio | 10.2415% | 3,346 |
| Tier 1 risk-based capital ratio | 16.5475% | 2,219 |
| Total risk-based capital ratio | 17.4280% | 2,287 |
| Memoranda: | ||
| Average total assets | $155,948,670 | 3,281 |
| Average earning assets | $149,244,000 | 3,233 |
| Average equity | $15,510,670 | 3,633 |
| Average total loans | $110,324,000 | 3,129 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 4,423 |
| Cost of funding earning assets | 0.5850% | 3,651 |
| Net interest margin | 3.3895% | 3,917 |
| Noninterest income to average assets | 1.0178% | 768 |
| Noninterest expense to average assets | 3.6441% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4654% | 4,609 |
| Return on assets (ROA) | 0.4654% | 4,630 |
| Pretax return on assets | 0.6189% | 4,475 |
| Return on Equity (ROE) | 4.7557% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.6512% | 3,062 |
| Net charge-offs to loans | 0.1949% | 717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.4815% | 2,323 |
| Efficiency ratio | 85.4829% | 615 |
| Assets per employee ($millions) | 3.0959% | 4,917 |
| Cash dividends to net income (ytd only)* | 2.1978% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 4,559 |
| Loan loss allowance to noncurrent loans | 131.5315% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 2,687 |
| Noncurrent loans to loans | 0.5985% | 2,543 |
| Net loans and leases to total assets | 69.9240% | 2,497 |
| Net loans and leases to deposits | 78.2018% | 3,039 |
| Net loans and leases to core deposits | 79.9003% | 3,381 |
| Total domestic deposits to total assets | 89.4148% | 686 |
| Equity capital to assets | 9.8265% | 3,991 |
| Core capital (leverage) ratio | 10.0425% | 3,559 |
| Tier 1 risk-based capital ratio | 15.2632% | 2,766 |
| Total risk-based capital ratio | 16.1134% | 2,865 |
| Memoranda: | ||
| Average total assets | $156,416,000 | 3,325 |
| Average earning assets | $149,756,000 | 3,269 |
| Average equity | $15,308,000 | 3,670 |
| Average total loans | $110,824,500 | 3,151 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 4,174 |
| Cost of funding earning assets | 0.5118% | 3,274 |
| Net interest margin | 3.4359% | 3,893 |
| Noninterest income to average assets | 1.0171% | 916 |
| Noninterest expense to average assets | 3.6554% | 816 |
| Loan and lease loss provision to assets | 0.0286% | 3,600 |
| Net operating income to assets | 0.4900% | 4,681 |
| Return on assets (ROA) | 0.4971% | 4,669 |
| Pretax return on assets | 0.6238% | 4,591 |
| Return on Equity (ROE) | 5.3267% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.2858% | 2,607 |
| Net charge-offs to loans | 0.1181% | 1,562 |
| Credit loss provision to net charge-offs | 34.6154% | 3,323 |
| Earnings coverage of net charge-offs (x) | 7.7769% | 2,958 |
| Efficiency ratio | 85.0311% | 580 |
| Assets per employee ($millions) | 3.1621% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.7682% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 4,382 |
| Loan loss allowance to noncurrent loans | 107.0196% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 2,187 |
| Noncurrent loans to loans | 0.7874% | 2,042 |
| Net loans and leases to total assets | 70.6329% | 2,479 |
| Net loans and leases to deposits | 79.3291% | 3,025 |
| Net loans and leases to core deposits | 81.2442% | 3,332 |
| Total domestic deposits to total assets | 89.0378% | 839 |
| Equity capital to assets | 9.7462% | 3,911 |
| Core capital (leverage) ratio | 10.0359% | 3,534 |
| Tier 1 risk-based capital ratio | 15.9375% | 2,429 |
| Total risk-based capital ratio | 16.8908% | 2,481 |
| Memoranda: | ||
| Average total assets | $157,110,400 | 3,313 |
| Average earning assets | $150,062,200 | 3,244 |
| Average equity | $14,662,000 | 3,677 |
| Average total loans | $110,120,000 | 3,130 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 4,097 |
| Cost of funding earning assets | 0.4908% | 3,256 |
| Net interest margin | 3.4539% | 3,853 |
| Noninterest income to average assets | 1.0250% | 912 |
| Noninterest expense to average assets | 3.6400% | 807 |
| Loan and lease loss provision to assets | 0.0381% | 3,246 |
| Net operating income to assets | 0.5198% | 4,715 |
| Return on assets (ROA) | 0.5294% | 4,700 |
| Pretax return on assets | 0.6563% | 4,631 |
| Return on Equity (ROE) | 5.7355% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.6806% | 2,833 |
| Net charge-offs to loans | 0.1369% | 1,184 |
| Credit loss provision to net charge-offs | 39.8230% | 2,909 |
| Earnings coverage of net charge-offs (x) | 7.1417% | 2,828 |
| Efficiency ratio | 84.2105% | 631 |
| Assets per employee ($millions) | 2.9606% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.9585% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,408 |
| Loan loss allowance to noncurrent loans | 200.2114% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 2,695 |
| Noncurrent loans to loans | 0.4306% | 3,113 |
| Net loans and leases to total assets | 70.7392% | 2,538 |
| Net loans and leases to deposits | 79.7158% | 3,072 |
| Net loans and leases to core deposits | 81.5026% | 3,362 |
| Total domestic deposits to total assets | 88.7392% | 940 |
| Equity capital to assets | 9.5102% | 4,074 |
| Core capital (leverage) ratio | 9.9780% | 3,662 |
| Tier 1 risk-based capital ratio | 15.6791% | 2,573 |
| Total risk-based capital ratio | 16.6437% | 2,624 |
| Memoranda: | ||
| Average total assets | $157,652,500 | 3,337 |
| Average earning assets | $150,510,500 | 3,266 |
| Average equity | $14,552,250 | 3,717 |
| Average total loans | $110,057,500 | 3,155 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 4,080 |
| Cost of funding earning assets | 0.4599% | 3,286 |
| Net interest margin | 3.4423% | 3,827 |
| Noninterest income to average assets | 1.0032% | 955 |
| Noninterest expense to average assets | 3.5787% | 890 |
| Loan and lease loss provision to assets | 0.0566% | 2,782 |
| Net operating income to assets | 0.5413% | 4,645 |
| Return on assets (ROA) | 0.5413% | 4,651 |
| Pretax return on assets | 0.6558% | 4,624 |
| Return on Equity (ROE) | 5.9218% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.8391% | 2,643 |
| Net charge-offs to loans | 0.2034% | 784 |
| Credit loss provision to net charge-offs | 40.1786% | 2,562 |
| Earnings coverage of net charge-offs (x) | 5.0536% | 2,746 |
| Efficiency ratio | 83.3969% | 731 |
| Assets per employee ($millions) | 3.0538% | 5,064 |
| Cash dividends to net income (ytd only)* | 1.3953% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 4,574 |
| Loan loss allowance to noncurrent loans | 193.4694% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 3,222 |
| Noncurrent loans to loans | 0.4348% | 3,140 |
| Net loans and leases to total assets | 70.3621% | 2,525 |
| Net loans and leases to deposits | 79.4520% | 3,010 |
| Net loans and leases to core deposits | 81.1774% | 3,304 |
| Total domestic deposits to total assets | 88.5592% | 1,119 |
| Equity capital to assets | 9.1713% | 4,410 |
| Core capital (leverage) ratio | 9.5541% | 4,061 |
| Tier 1 risk-based capital ratio | 14.7696% | 2,980 |
| Total risk-based capital ratio | 15.6909% | 3,059 |
| Memoranda: | ||
| Average total assets | $158,886,670 | 3,331 |
| Average earning assets | $151,760,330 | 3,268 |
| Average equity | $14,522,670 | 3,744 |
| Average total loans | $110,126,670 | 3,169 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 4,132 |
| Cost of funding earning assets | 0.4399% | 3,286 |
| Net interest margin | 3.3902% | 3,913 |
| Noninterest income to average assets | 1.0344% | 847 |
| Noninterest expense to average assets | 3.5789% | 887 |
| Loan and lease loss provision to assets | 0.1133% | 1,669 |
| Net operating income to assets | 0.3826% | 4,960 |
| Return on assets (ROA) | 0.3826% | 4,966 |
| Pretax return on assets | 0.5814% | 4,733 |
| Return on Equity (ROE) | 4.2005% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.0900% | 3,566 |
| Net charge-offs to loans | 0.2793% | 552 |
| Credit loss provision to net charge-offs | 59.2105% | 1,891 |
| Earnings coverage of net charge-offs (x) | 3.6316% | 2,369 |
| Efficiency ratio | 83.7456% | 816 |
| Assets per employee ($millions) | 2.9866% | 5,163 |
| Cash dividends to net income (ytd only)* | 2.6316% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 4,517 |
| Loan loss allowance to noncurrent loans | 226.2069% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,365 |
| Noncurrent loans to loans | 0.3906% | 3,388 |
| Net loans and leases to total assets | 68.4458% | 2,711 |
| Net loans and leases to deposits | 77.6726% | 3,051 |
| Net loans and leases to core deposits | 79.3305% | 3,381 |
| Total domestic deposits to total assets | 88.1209% | 1,550 |
| Equity capital to assets | 8.9220% | 4,637 |
| Core capital (leverage) ratio | 9.3040% | 4,319 |
| Tier 1 risk-based capital ratio | 14.7154% | 3,021 |
| Total risk-based capital ratio | 15.6859% | 3,066 |
| Memoranda: | ||
| Average total assets | $158,930,000 | 3,374 |
| Average earning assets | $151,847,500 | 3,306 |
| Average equity | $14,474,500 | 3,779 |
| Average total loans | $108,848,500 | 3,214 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,025 |
| Cost of funding earning assets | 0.4037% | 3,215 |
| Net interest margin | 3.4047% | 3,838 |
| Noninterest income to average assets | 0.9750% | 1,082 |
| Noninterest expense to average assets | 3.6505% | 850 |
| Loan and lease loss provision to assets | 0.1538% | 1,467 |
| Net operating income to assets | 0.2968% | 4,933 |
| Return on assets (ROA) | 0.3282% | 4,898 |
| Pretax return on assets | 0.4577% | 5,002 |
| Return on Equity (ROE) | 3.5632% | 4,660 |
| Retained earnings to average equity (ytd only) | 3.5423% | 3,155 |
| Net charge-offs to loans | 0.0952% | 2,130 |
| Credit loss provision to net charge-offs | 242.4242% | 1,139 |
| Earnings coverage of net charge-offs (x) | 8.9495% | 2,849 |
| Efficiency ratio | 86.5370% | 610 |
| Assets per employee ($millions) | 2.8470% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.5859% | 4,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,186 |
| Loan loss allowance to noncurrent loans | 259.5908% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 3,275 |
| Noncurrent loans to loans | 0.3677% | 3,443 |
| Net loans and leases to total assets | 67.2555% | 2,924 |
| Net loans and leases to deposits | 74.5815% | 3,466 |
| Net loans and leases to core deposits | 76.0414% | 3,739 |
| Total domestic deposits to total assets | 90.1772% | 507 |
| Equity capital to assets | 9.2985% | 4,428 |
| Core capital (leverage) ratio | 9.3986% | 4,160 |
| Tier 1 risk-based capital ratio | 15.1837% | 2,757 |
| Total risk-based capital ratio | 16.2281% | 2,789 |
| Memoranda: | ||
| Average total assets | $156,006,600 | 3,403 |
| Average earning assets | $148,618,000 | 3,341 |
| Average equity | $14,369,200 | 3,796 |
| Average total loans | $104,004,400 | 3,283 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 4,032 |
| Cost of funding earning assets | 0.3980% | 3,218 |
| Net interest margin | 3.3947% | 3,862 |
| Noninterest income to average assets | 0.9838% | 1,062 |
| Noninterest expense to average assets | 3.6613% | 802 |
| Loan and lease loss provision to assets | 0.1668% | 1,214 |
| Net operating income to assets | 0.2817% | 5,250 |
| Return on assets (ROA) | 0.3242% | 5,196 |
| Pretax return on assets | 0.4465% | 5,118 |
| Return on Equity (ROE) | 3.5284% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.5005% | 3,833 |
| Net charge-offs to loans | 0.0503% | 2,425 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 16.6406% | 2,156 |
| Efficiency ratio | 86.8330% | 580 |
| Assets per employee ($millions) | 2.7773% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.7916% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 4,224 |
| Loan loss allowance to noncurrent loans | 169.6870% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 2,740 |
| Noncurrent loans to loans | 0.5733% | 2,978 |
| Net loans and leases to total assets | 68.6428% | 2,755 |
| Net loans and leases to deposits | 76.2369% | 3,349 |
| Net loans and leases to core deposits | 77.2832% | 3,701 |
| Total domestic deposits to total assets | 90.0388% | 463 |
| Equity capital to assets | 9.5265% | 4,420 |
| Core capital (leverage) ratio | 9.5518% | 4,092 |
| Tier 1 risk-based capital ratio | 15.1663% | 2,853 |
| Total risk-based capital ratio | 16.2345% | 2,853 |
| Memoranda: | ||
| Average total assets | $155,862,000 | 3,431 |
| Average earning assets | $148,422,000 | 3,374 |
| Average equity | $14,321,500 | 3,847 |
| Average total loans | $103,423,750 | 3,324 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,171 |
| Cost of funding earning assets | 0.3908% | 3,165 |
| Net interest margin | 3.3269% | 4,026 |
| Noninterest income to average assets | 0.9701% | 1,087 |
| Noninterest expense to average assets | 3.6151% | 850 |
| Loan and lease loss provision to assets | 0.1721% | 1,124 |
| Net operating income to assets | 0.2674% | 5,292 |
| Return on assets (ROA) | 0.2868% | 5,266 |
| Pretax return on assets | 0.3773% | 5,218 |
| Return on Equity (ROE) | 3.1591% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.1170% | 3,855 |
| Net charge-offs to loans | 0.0721% | 1,909 |
| Credit loss provision to net charge-offs | 364.8649% | 844 |
| Earnings coverage of net charge-offs (x) | 11.1081% | 2,296 |
| Efficiency ratio | 87.3422% | 589 |
| Assets per employee ($millions) | 2.8952% | 5,360 |
| Cash dividends to net income (ytd only)* | 1.3333% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,434 |
| Loan loss allowance to noncurrent loans | 114.0845% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 2,711 |
| Noncurrent loans to loans | 0.8295% | 2,328 |
| Net loans and leases to total assets | 65.0736% | 3,239 |
| Net loans and leases to deposits | 71.9786% | 3,743 |
| Net loans and leases to core deposits | 72.9358% | 4,022 |
| Total domestic deposits to total assets | 90.4068% | 391 |
| Equity capital to assets | 9.2280% | 4,696 |
| Core capital (leverage) ratio | 9.2737% | 4,393 |
| Tier 1 risk-based capital ratio | 15.2860% | 2,808 |
| Total risk-based capital ratio | 16.3129% | 2,837 |
| Memoranda: | ||
| Average total assets | $156,898,330 | 3,433 |
| Average earning assets | $149,448,670 | 3,380 |
| Average equity | $14,244,670 | 3,864 |
| Average total loans | $102,603,670 | 3,348 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,178 |
| Cost of funding earning assets | 0.3846% | 3,150 |
| Net interest margin | 3.2931% | 4,032 |
| Noninterest income to average assets | 0.9187% | 1,188 |
| Noninterest expense to average assets | 3.5807% | 917 |
| Loan and lease loss provision to assets | 0.1400% | 1,353 |
| Net operating income to assets | 0.2672% | 5,270 |
| Return on assets (ROA) | 0.2672% | 5,287 |
| Pretax return on assets | 0.3359% | 5,258 |
| Return on Equity (ROE) | 2.9671% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.8824% | 3,975 |
| Net charge-offs to loans | 0.0195% | 2,399 |
| Credit loss provision to net charge-offs | 1,100.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 1,076 |
| Efficiency ratio | 88.2685% | 647 |
| Assets per employee ($millions) | 2.9920% | 5,356 |
| Cash dividends to net income (ytd only)* | 2.8571% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 4,689 |
| Loan loss allowance to noncurrent loans | 127.4483% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 2,984 |
| Noncurrent loans to loans | 0.7197% | 2,694 |
| Net loans and leases to total assets | 62.9429% | 3,408 |
| Net loans and leases to deposits | 69.4322% | 3,861 |
| Net loans and leases to core deposits | 70.5976% | 4,103 |
| Total domestic deposits to total assets | 90.6538% | 408 |
| Equity capital to assets | 8.9755% | 4,829 |
| Core capital (leverage) ratio | 9.0362% | 4,691 |
| Tier 1 risk-based capital ratio | 14.2082% | 3,359 |
| Total risk-based capital ratio | 15.1231% | 3,473 |
| Memoranda: | ||
| Average total assets | $157,177,500 | 3,461 |
| Average earning assets | $149,769,500 | 3,404 |
| Average equity | $14,155,000 | 3,899 |
| Average total loans | $102,551,500 | 3,374 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 4,034 |
| Cost of funding earning assets | 0.4098% | 2,908 |
| Net interest margin | 3.3469% | 4,005 |
| Noninterest income to average assets | 1.0521% | 1,017 |
| Noninterest expense to average assets | 3.9048% | 683 |
| Loan and lease loss provision to assets | 0.1183% | 2,097 |
| Net operating income to assets | 0.1887% | 5,439 |
| Return on assets (ROA) | 0.1887% | 5,489 |
| Pretax return on assets | 0.2053% | 5,492 |
| Return on Equity (ROE) | 2.0597% | 5,392 |
| Retained earnings to average equity (ytd only) | 1.8572% | 4,474 |
| Net charge-offs to loans | 0.4381% | 581 |
| Credit loss provision to net charge-offs | 42.0455% | 3,478 |
| Earnings coverage of net charge-offs (x) | 1.1500% | 4,034 |
| Efficiency ratio | 92.3461% | 447 |
| Assets per employee ($millions) | 2.8319% | 5,466 |
| Cash dividends to net income (ytd only)* | 9.8305% | 4,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,997 |
| Loan loss allowance to noncurrent loans | 127.5912% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 3,097 |
| Noncurrent loans to loans | 0.6563% | 2,888 |
| Net loans and leases to total assets | 66.4445% | 3,008 |
| Net loans and leases to deposits | 73.3564% | 3,580 |
| Net loans and leases to core deposits | 74.3937% | 3,892 |
| Total domestic deposits to total assets | 90.5776% | 424 |
| Equity capital to assets | 9.0378% | 4,773 |
| Core capital (leverage) ratio | 8.8608% | 4,897 |
| Tier 1 risk-based capital ratio | 11.0712% | 5,301 |
| Total risk-based capital ratio | 11.7714% | 5,496 |
| Memoranda: | ||
| Average total assets | $156,347,400 | 3,433 |
| Average earning assets | $148,374,600 | 3,392 |
| Average equity | $14,322,600 | 3,903 |
| Average total loans | $100,429,800 | 3,376 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,038 |
| Cost of funding earning assets | 0.4134% | 2,897 |
| Net interest margin | 3.3502% | 4,028 |
| Noninterest income to average assets | 1.0173% | 1,112 |
| Noninterest expense to average assets | 3.9080% | 667 |
| Loan and lease loss provision to assets | 0.0852% | 2,520 |
| Net operating income to assets | 0.1866% | 5,489 |
| Return on assets (ROA) | 0.1866% | 5,552 |
| Pretax return on assets | 0.2002% | 5,569 |
| Return on Equity (ROE) | 2.0300% | 5,466 |
| Retained earnings to average equity (ytd only) | 1.7612% | 4,801 |
| Net charge-offs to loans | 0.3982% | 545 |
| Credit loss provision to net charge-offs | 33.6700% | 3,195 |
| Earnings coverage of net charge-offs (x) | 1.1280% | 3,728 |
| Efficiency ratio | 93.1938% | 422 |
| Assets per employee ($millions) | 2.9210% | 5,453 |
| Cash dividends to net income (ytd only)* | 13.2436% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,806 |
| Loan loss allowance to noncurrent loans | 105.9091% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 2,451 |
| Noncurrent loans to loans | 0.8689% | 2,516 |
| Net loans and leases to total assets | 64.8216% | 3,293 |
| Net loans and leases to deposits | 71.8929% | 3,818 |
| Net loans and leases to core deposits | 72.9189% | 4,094 |
| Total domestic deposits to total assets | 90.1641% | 419 |
| Equity capital to assets | 9.3753% | 4,786 |
| Core capital (leverage) ratio | 9.1718% | 4,634 |
| Tier 1 risk-based capital ratio | 11.5883% | 5,037 |
| Total risk-based capital ratio | 12.3505% | 5,225 |
| Memoranda: | ||
| Average total assets | $156,495,000 | 3,448 |
| Average earning assets | $148,366,500 | 3,406 |
| Average equity | $14,384,000 | 3,926 |
| Average total loans | $99,445,750 | 3,404 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 4,077 |
| Cost of funding earning assets | 0.4123% | 2,921 |
| Net interest margin | 3.3511% | 4,052 |
| Noninterest income to average assets | 1.0136% | 1,083 |
| Noninterest expense to average assets | 3.8585% | 709 |
| Loan and lease loss provision to assets | 0.0891% | 2,359 |
| Net operating income to assets | 0.2127% | 5,498 |
| Return on assets (ROA) | 0.2127% | 5,559 |
| Pretax return on assets | 0.2432% | 5,565 |
| Return on Equity (ROE) | 2.3290% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.9246% | 4,593 |
| Net charge-offs to loans | 0.3825% | 598 |
| Credit loss provision to net charge-offs | 37.0370% | 2,800 |
| Earnings coverage of net charge-offs (x) | 1.3810% | 3,417 |
| Efficiency ratio | 92.0693% | 491 |
| Assets per employee ($millions) | 2.7921% | 5,614 |
| Cash dividends to net income (ytd only)* | 17.3653% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 4,364 |
| Loan loss allowance to noncurrent loans | 90.7457% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9203% | 2,317 |
| Noncurrent loans to loans | 1.1312% | 2,038 |
| Net loans and leases to total assets | 62.2797% | 3,591 |
| Net loans and leases to deposits | 69.0414% | 4,079 |
| Net loans and leases to core deposits | 70.0133% | 4,325 |
| Total domestic deposits to total assets | 90.2063% | 411 |
| Equity capital to assets | 9.3018% | 4,972 |
| Core capital (leverage) ratio | 8.9386% | 4,896 |
| Tier 1 risk-based capital ratio | 11.5705% | 5,105 |
| Total risk-based capital ratio | 12.3982% | 5,257 |
| Memoranda: | ||
| Average total assets | $157,056,330 | 3,463 |
| Average earning assets | $148,905,330 | 3,418 |
| Average equity | $14,340,670 | 3,950 |
| Average total loans | $98,833,330 | 3,426 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,131 |
| Cost of funding earning assets | 0.4100% | 2,963 |
| Net interest margin | 3.3417% | 4,073 |
| Noninterest income to average assets | 1.0648% | 956 |
| Noninterest expense to average assets | 3.8499% | 726 |
| Loan and lease loss provision to assets | 0.1016% | 2,001 |
| Net operating income to assets | 0.2363% | 5,459 |
| Return on assets (ROA) | 0.2363% | 5,523 |
| Pretax return on assets | 0.2821% | 5,544 |
| Return on Equity (ROE) | 2.6125% | 5,353 |
| Retained earnings to average equity (ytd only) | 1.7979% | 4,544 |
| Net charge-offs to loans | 0.2463% | 834 |
| Credit loss provision to net charge-offs | 65.5738% | 1,937 |
| Earnings coverage of net charge-offs (x) | 2.4754% | 2,675 |
| Efficiency ratio | 90.9364% | 611 |
| Assets per employee ($millions) | 2.7427% | 5,709 |
| Cash dividends to net income (ytd only)* | 31.1828% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,882 |
| Loan loss allowance to noncurrent loans | 109.3781% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 2,401 |
| Noncurrent loans to loans | 1.0333% | 2,318 |
| Net loans and leases to total assets | 60.9299% | 3,658 |
| Net loans and leases to deposits | 67.3373% | 4,122 |
| Net loans and leases to core deposits | 68.2645% | 4,379 |
| Total domestic deposits to total assets | 90.4845% | 436 |
| Equity capital to assets | 9.0308% | 5,144 |
| Core capital (leverage) ratio | 8.9752% | 4,886 |
| Tier 1 risk-based capital ratio | 11.3060% | 5,341 |
| Total risk-based capital ratio | 12.1979% | 5,439 |
| Memoranda: | ||
| Average total assets | $157,406,500 | 3,473 |
| Average earning assets | $149,263,500 | 3,428 |
| Average equity | $14,239,000 | 3,977 |
| Average total loans | $99,056,000 | 3,439 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,347 |
| Cost of funding earning assets | 0.4655% | 2,479 |
| Net interest margin | 3.2425% | 4,496 |
| Noninterest income to average assets | 1.0057% | 1,168 |
| Noninterest expense to average assets | 3.8259% | 837 |
| Loan and lease loss provision to assets | 0.0778% | 2,727 |
| Net operating income to assets | 0.1814% | 5,616 |
| Return on assets (ROA) | 0.1814% | 5,668 |
| Pretax return on assets | 0.1717% | 5,721 |
| Return on Equity (ROE) | 1.9904% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.2085% | 5,024 |
| Net charge-offs to loans | 0.8889% | 240 |
| Credit loss provision to net charge-offs | 13.3779% | 3,804 |
| Earnings coverage of net charge-offs (x) | 0.4292% | 4,229 |
| Efficiency ratio | 93.8782% | 490 |
| Assets per employee ($millions) | 2.7810% | 5,719 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,878 |
| Loan loss allowance to noncurrent loans | 90.4647% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 2,095 |
| Noncurrent loans to loans | 1.2470% | 1,892 |
| Net loans and leases to total assets | 63.5368% | 3,343 |
| Net loans and leases to deposits | 70.7051% | 3,837 |
| Net loans and leases to core deposits | 71.5689% | 4,169 |
| Total domestic deposits to total assets | 89.8616% | 689 |
| Equity capital to assets | 9.0615% | 5,066 |
| Core capital (leverage) ratio | 9.0398% | 4,834 |
| Tier 1 risk-based capital ratio | 9.7288% | 6,014 |
| Total risk-based capital ratio | 10.5143% | 6,075 |
| Memoranda: | ||
| Average total assets | $154,317,000 | 3,505 |
| Average earning assets | $146,089,000 | 3,458 |
| Average equity | $14,067,200 | 3,959 |
| Average total loans | $100,911,400 | 3,369 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 4,418 |
| Cost of funding earning assets | 0.4740% | 2,461 |
| Net interest margin | 3.2265% | 4,590 |
| Noninterest income to average assets | 1.0097% | 1,161 |
| Noninterest expense to average assets | 3.8381% | 809 |
| Loan and lease loss provision to assets | 0.0779% | 2,623 |
| Net operating income to assets | 0.1732% | 5,729 |
| Return on assets (ROA) | 0.1732% | 5,785 |
| Pretax return on assets | 0.1472% | 5,846 |
| Return on Equity (ROE) | 1.8971% | 5,690 |
| Retained earnings to average equity (ytd only) | 1.1003% | 5,277 |
| Net charge-offs to loans | 1.0074% | 187 |
| Credit loss provision to net charge-offs | 11.7801% | 3,437 |
| Earnings coverage of net charge-offs (x) | 0.3403% | 3,964 |
| Efficiency ratio | 94.4587% | 468 |
| Assets per employee ($millions) | 2.6447% | 5,873 |
| Cash dividends to net income (ytd only)* | 42.0011% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,588 |
| Loan loss allowance to noncurrent loans | 92.9811% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 2,276 |
| Noncurrent loans to loans | 1.3013% | 1,965 |
| Net loans and leases to total assets | 66.7253% | 2,893 |
| Net loans and leases to deposits | 74.5382% | 3,480 |
| Net loans and leases to core deposits | 75.2002% | 3,882 |
| Total domestic deposits to total assets | 89.5183% | 766 |
| Equity capital to assets | 9.3839% | 4,903 |
| Core capital (leverage) ratio | 9.1754% | 4,768 |
| Tier 1 risk-based capital ratio | 9.8455% | 6,078 |
| Total risk-based capital ratio | 10.7165% | 6,127 |
| Memoranda: | ||
| Average total assets | $153,962,500 | 3,539 |
| Average earning assets | $145,708,250 | 3,494 |
| Average equity | $14,056,000 | 4,004 |
| Average total loans | $101,119,750 | 3,403 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,488 |
| Cost of funding earning assets | 0.4841% | 2,396 |
| Net interest margin | 3.1909% | 4,688 |
| Noninterest income to average assets | 0.9985% | 1,185 |
| Noninterest expense to average assets | 3.8185% | 849 |
| Loan and lease loss provision to assets | 0.0774% | 2,577 |
| Net operating income to assets | 0.1703% | 5,765 |
| Return on assets (ROA) | 0.1703% | 5,823 |
| Pretax return on assets | 0.1213% | 5,913 |
| Return on Equity (ROE) | 1.8822% | 5,708 |
| Retained earnings to average equity (ytd only) | 1.0552% | 5,149 |
| Net charge-offs to loans | 1.4016% | 127 |
| Credit loss provision to net charge-offs | 8.4866% | 3,112 |
| Earnings coverage of net charge-offs (x) | 0.2178% | 3,688 |
| Efficiency ratio | 95.0546% | 476 |
| Assets per employee ($millions) | 2.5808% | 5,990 |
| Cash dividends to net income (ytd only)* | 43.9394% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 3,654 |
| Loan loss allowance to noncurrent loans | 83.7658% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 2,301 |
| Noncurrent loans to loans | 1.4598% | 1,815 |
| Net loans and leases to total assets | 66.7921% | 2,819 |
| Net loans and leases to deposits | 74.3340% | 3,452 |
| Net loans and leases to core deposits | 74.9851% | 3,850 |
| Total domestic deposits to total assets | 89.8541% | 729 |
| Equity capital to assets | 9.1707% | 5,056 |
| Core capital (leverage) ratio | 8.9852% | 4,992 |
| Tier 1 risk-based capital ratio | 9.2106% | 6,239 |
| Total risk-based capital ratio | 10.0457% | 6,263 |
| Memoranda: | ||
| Average total assets | $155,034,000 | 3,552 |
| Average earning assets | $146,666,670 | 3,509 |
| Average equity | $14,026,000 | 4,039 |
| Average total loans | $100,886,670 | 3,425 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 4,777 |
| Cost of funding earning assets | 0.5026% | 2,261 |
| Net interest margin | 3.0671% | 5,037 |
| Noninterest income to average assets | 0.9513% | 1,230 |
| Noninterest expense to average assets | 3.7055% | 1,004 |
| Loan and lease loss provision to assets | 0.0767% | 2,418 |
| Net operating income to assets | 0.1892% | 5,701 |
| Return on assets (ROA) | 0.1892% | 5,787 |
| Pretax return on assets | 0.0716% | 5,977 |
| Return on Equity (ROE) | 2.1057% | 5,666 |
| Retained earnings to average equity (ytd only) | 1.2520% | 4,986 |
| Net charge-offs to loans | 2.0711% | 86 |
| Credit loss provision to net charge-offs | 5.8027% | 2,460 |
| Earnings coverage of net charge-offs (x) | 0.1122% | 3,100 |
| Efficiency ratio | 96.1513% | 498 |
| Assets per employee ($millions) | 2.6991% | 5,964 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 2,798 |
| Loan loss allowance to noncurrent loans | 91.6075% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 2,304 |
| Noncurrent loans to loans | 1.5585% | 1,799 |
| Net loans and leases to total assets | 61.5218% | 3,447 |
| Net loans and leases to deposits | 68.3063% | 3,928 |
| Net loans and leases to core deposits | 68.8802% | 4,248 |
| Total domestic deposits to total assets | 90.0676% | 714 |
| Equity capital to assets | 8.8630% | 5,429 |
| Core capital (leverage) ratio | 8.7416% | 5,271 |
| Tier 1 risk-based capital ratio | 13.2002% | 4,497 |
| Total risk-based capital ratio | 14.4511% | 4,414 |
| Memoranda: | ||
| Average total assets | $156,417,000 | 3,558 |
| Average earning assets | $148,024,000 | 3,498 |
| Average equity | $14,057,000 | 4,065 |
| Average total loans | $99,849,000 | 3,454 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,582 |
| Cost of funding earning assets | 0.6075% | 1,706 |
| Net interest margin | 3.1620% | 5,039 |
| Noninterest income to average assets | 1.0015% | 1,213 |
| Noninterest expense to average assets | 3.6922% | 1,170 |
| Loan and lease loss provision to assets | 0.4486% | 372 |
| Net operating income to assets | -0.0910% | 6,150 |
| Return on assets (ROA) | -0.0506% | 6,132 |
| Pretax return on assets | -0.0912% | 6,136 |
| Return on Equity (ROE) | -0.5969% | 6,141 |
| Retained earnings to average equity (ytd only) | -0.5969% | 5,863 |
| Net charge-offs to loans | 0.2019% | 2,050 |
| Credit loss provision to net charge-offs | 346.8599% | 760 |
| Earnings coverage of net charge-offs (x) | 2.2754% | 4,205 |
| Efficiency ratio | 92.6187% | 670 |
| Assets per employee ($millions) | 2.6032% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 1,312 |
| Loan loss allowance to noncurrent loans | 92.7494% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 1,668 |
| Noncurrent loans to loans | 2.0487% | 1,339 |
| Net loans and leases to total assets | 64.0688% | 3,218 |
| Net loans and leases to deposits | 71.3492% | 3,754 |
| Net loans and leases to core deposits | 71.9781% | 4,125 |
| Total domestic deposits to total assets | 89.7961% | 831 |
| Equity capital to assets | 9.1153% | 5,167 |
| Core capital (leverage) ratio | 8.9409% | 5,077 |
| Tier 1 risk-based capital ratio | 14.1695% | 3,987 |
| Total risk-based capital ratio | 15.4285% | 3,910 |
| Memoranda: | ||
| Average total assets | $160,066,800 | 3,490 |
| Average earning assets | $151,106,600 | 3,426 |
| Average equity | $13,569,600 | 4,095 |
| Average total loans | $102,504,600 | 3,364 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,629 |
| Cost of funding earning assets | 0.6217% | 1,660 |
| Net interest margin | 3.1564% | 5,098 |
| Noninterest income to average assets | 0.9854% | 1,268 |
| Noninterest expense to average assets | 3.6745% | 1,161 |
| Loan and lease loss provision to assets | 0.3703% | 473 |
| Net operating income to assets | -0.0449% | 6,177 |
| Return on assets (ROA) | -0.0808% | 6,209 |
| Pretax return on assets | -0.1344% | 6,223 |
| Return on Equity (ROE) | -0.9706% | 6,223 |
| Retained earnings to average equity (ytd only) | -0.9706% | 5,958 |
| Net charge-offs to loans | 0.0737% | 3,140 |
| Credit loss provision to net charge-offs | 787.7193% | 398 |
| Earnings coverage of net charge-offs (x) | 6.2104% | 3,122 |
| Efficiency ratio | 92.6403% | 664 |
| Assets per employee ($millions) | 2.5897% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 1,816 |
| Loan loss allowance to noncurrent loans | 81.8223% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5233% | 2,018 |
| Noncurrent loans to loans | 2.1413% | 1,440 |
| Net loans and leases to total assets | 64.4916% | 3,114 |
| Net loans and leases to deposits | 72.8057% | 3,585 |
| Net loans and leases to core deposits | 73.6100% | 3,982 |
| Total domestic deposits to total assets | 88.5805% | 1,460 |
| Equity capital to assets | 9.0036% | 5,347 |
| Core capital (leverage) ratio | 8.7477% | 5,382 |
| Tier 1 risk-based capital ratio | 13.5828% | 4,482 |
| Total risk-based capital ratio | 14.8395% | 4,425 |
| Memoranda: | ||
| Average total assets | $161,686,500 | 3,499 |
| Average earning assets | $152,702,750 | 3,420 |
| Average equity | $13,462,000 | 4,140 |
| Average total loans | $103,053,750 | 3,387 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 4,663 |
| Cost of funding earning assets | 0.6252% | 1,682 |
| Net interest margin | 3.1324% | 5,149 |
| Noninterest income to average assets | 0.8364% | 1,716 |
| Noninterest expense to average assets | 3.7170% | 1,110 |
| Loan and lease loss provision to assets | 0.3651% | 475 |
| Net operating income to assets | -0.2088% | 6,324 |
| Return on assets (ROA) | -0.2088% | 6,335 |
| Pretax return on assets | -0.2906% | 6,358 |
| Return on Equity (ROE) | -2.5741% | 6,360 |
| Retained earnings to average equity (ytd only) | -2.5741% | 6,058 |
| Net charge-offs to loans | 0.0522% | 3,221 |
| Credit loss provision to net charge-offs | 1,107.4074% | 306 |
| Earnings coverage of net charge-offs (x) | 2.2593% | 3,588 |
| Efficiency ratio | 98.0354% | 463 |
| Assets per employee ($millions) | 2.8033% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,448 |
| Loan loss allowance to noncurrent loans | 70.5161% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 2,136 |
| Noncurrent loans to loans | 2.2713% | 1,433 |
| Net loans and leases to total assets | 62.9886% | 3,238 |
| Net loans and leases to deposits | 71.0885% | 3,695 |
| Net loans and leases to core deposits | 71.8409% | 4,063 |
| Total domestic deposits to total assets | 88.6059% | 1,580 |
| Equity capital to assets | 8.5182% | 5,786 |
| Core capital (leverage) ratio | 8.4640% | 5,667 |
| Tier 1 risk-based capital ratio | 12.9929% | 4,914 |
| Total risk-based capital ratio | 14.2471% | 4,853 |
| Memoranda: | ||
| Average total assets | $163,787,670 | 3,482 |
| Average earning assets | $154,513,330 | 3,403 |
| Average equity | $13,286,000 | 4,169 |
| Average total loans | $103,406,330 | 3,387 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,540 |
| Cost of funding earning assets | 0.6311% | 1,723 |
| Net interest margin | 3.1557% | 5,068 |
| Noninterest income to average assets | 0.7568% | 1,926 |
| Noninterest expense to average assets | 3.8471% | 922 |
| Loan and lease loss provision to assets | 0.6181% | 211 |
| Net operating income to assets | -0.5597% | 6,496 |
| Return on assets (ROA) | -0.5597% | 6,492 |
| Pretax return on assets | -0.7276% | 6,512 |
| Return on Equity (ROE) | -7.0747% | 6,514 |
| Retained earnings to average equity (ytd only) | -7.0747% | 6,245 |
| Net charge-offs to loans | 0.0582% | 2,580 |
| Credit loss provision to net charge-offs | 1,693.3333% | 199 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 3,555 |
| Efficiency ratio | 102.9297% | 400 |
| Assets per employee ($millions) | 2.6973% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 2,761 |
| Loan loss allowance to noncurrent loans | 76.1062% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4155% | 2,501 |
| Noncurrent loans to loans | 2.0848% | 1,773 |
| Net loans and leases to total assets | 61.5955% | 3,297 |
| Net loans and leases to deposits | 69.1899% | 3,710 |
| Net loans and leases to core deposits | 70.0319% | 4,090 |
| Total domestic deposits to total assets | 89.0238% | 1,644 |
| Equity capital to assets | 8.0990% | 5,978 |
| Core capital (leverage) ratio | 8.3627% | 5,791 |
| Tier 1 risk-based capital ratio | 13.0459% | 4,978 |
| Total risk-based capital ratio | 14.2993% | 4,910 |
| Memoranda: | ||
| Average total assets | $164,385,000 | 3,490 |
| Average earning assets | $155,277,000 | 3,412 |
| Average equity | $13,004,000 | 4,234 |
| Average total loans | $103,068,500 | 3,407 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 4,744 |
| Cost of funding earning assets | 0.7416% | 1,553 |
| Net interest margin | 3.0777% | 5,384 |
| Noninterest income to average assets | 0.9360% | 1,561 |
| Noninterest expense to average assets | 3.5776% | 1,488 |
| Loan and lease loss provision to assets | 0.8031% | 267 |
| Net operating income to assets | -0.4788% | 6,486 |
| Return on assets (ROA) | -0.4901% | 6,500 |
| Pretax return on assets | -0.5416% | 6,499 |
| Return on Equity (ROE) | -5.8202% | 6,504 |
| Retained earnings to average equity (ytd only) | -6.8862% | 6,457 |
| Net charge-offs to loans | 0.7752% | 812 |
| Credit loss provision to net charge-offs | 167.5406% | 1,356 |
| Earnings coverage of net charge-offs (x) | 0.5718% | 4,892 |
| Efficiency ratio | 92.8838% | 816 |
| Assets per employee ($millions) | 2.6923% | 6,227 |
| Cash dividends to net income (ytd only)* | -18.3150% | 6,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 3,882 |
| Loan loss allowance to noncurrent loans | 83.8845% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1417% | 3,113 |
| Noncurrent loans to loans | 1.6121% | 2,491 |
| Net loans and leases to total assets | 61.9611% | 3,368 |
| Net loans and leases to deposits | 69.2565% | 3,879 |
| Net loans and leases to core deposits | 70.1010% | 4,282 |
| Total domestic deposits to total assets | 89.4661% | 1,353 |
| Equity capital to assets | 7.7220% | 6,176 |
| Core capital (leverage) ratio | 8.4415% | 5,733 |
| Tier 1 risk-based capital ratio | 12.9680% | 4,991 |
| Total risk-based capital ratio | 14.2189% | 4,949 |
| Memoranda: | ||
| Average total assets | $167,096,800 | 3,458 |
| Average earning assets | $158,302,000 | 3,373 |
| Average equity | $14,071,600 | 4,051 |
| Average total loans | $103,331,800 | 3,376 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 4,701 |
| Cost of funding earning assets | 0.7565% | 1,560 |
| Net interest margin | 3.0831% | 5,368 |
| Noninterest income to average assets | 0.9351% | 1,651 |
| Noninterest expense to average assets | 3.5936% | 1,412 |
| Loan and lease loss provision to assets | 1.0067% | 166 |
| Net operating income to assets | -0.6776% | 6,647 |
| Return on assets (ROA) | -0.6928% | 6,655 |
| Pretax return on assets | -0.7611% | 6,651 |
| Return on Equity (ROE) | -8.0632% | 6,661 |
| Retained earnings to average equity (ytd only) | -9.4502% | 6,625 |
| Net charge-offs to loans | 1.0073% | 563 |
| Credit loss provision to net charge-offs | 162.2279% | 1,459 |
| Earnings coverage of net charge-offs (x) | 0.4225% | 4,723 |
| Efficiency ratio | 93.2001% | 778 |
| Assets per employee ($millions) | 2.6605% | 6,315 |
| Cash dividends to net income (ytd only)* | -17.2022% | 6,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,380 |
| Loan loss allowance to noncurrent loans | 82.9208% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1689% | 3,317 |
| Noncurrent loans to loans | 1.5702% | 2,810 |
| Net loans and leases to total assets | 62.5886% | 3,241 |
| Net loans and leases to deposits | 70.1979% | 3,760 |
| Net loans and leases to core deposits | 71.2667% | 4,185 |
| Total domestic deposits to total assets | 89.1601% | 1,472 |
| Equity capital to assets | 8.0116% | 6,152 |
| Core capital (leverage) ratio | 8.1753% | 6,084 |
| Tier 1 risk-based capital ratio | 12.9626% | 5,152 |
| Total risk-based capital ratio | 14.2132% | 5,094 |
| Memoranda: | ||
| Average total assets | $167,813,000 | 3,481 |
| Average earning assets | $158,972,750 | 3,394 |
| Average equity | $14,419,000 | 4,035 |
| Average total loans | $103,376,000 | 3,399 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 4,790 |
| Cost of funding earning assets | 0.7540% | 1,678 |
| Net interest margin | 3.0569% | 5,406 |
| Noninterest income to average assets | 1.0409% | 1,407 |
| Noninterest expense to average assets | 3.4706% | 1,674 |
| Loan and lease loss provision to assets | 0.4550% | 636 |
| Net operating income to assets | 0.1132% | 6,105 |
| Return on assets (ROA) | 0.1132% | 6,195 |
| Pretax return on assets | 0.0118% | 6,341 |
| Return on Equity (ROE) | 1.2893% | 6,147 |
| Retained earnings to average equity (ytd only) | 1.2893% | 5,378 |
| Net charge-offs to loans | 1.3291% | 428 |
| Credit loss provision to net charge-offs | 56.1047% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.5756% | 4,345 |
| Efficiency ratio | 88.1437% | 1,209 |
| Assets per employee ($millions) | 2.6867% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5439% | 6,669 |
| Loan loss allowance to noncurrent loans | 26.4748% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 2,521 |
| Noncurrent loans to loans | 2.0544% | 2,330 |
| Net loans and leases to total assets | 59.6337% | 3,728 |
| Net loans and leases to deposits | 67.9429% | 4,023 |
| Net loans and leases to core deposits | 68.9543% | 4,398 |
| Total domestic deposits to total assets | 87.7703% | 2,402 |
| Equity capital to assets | 8.4225% | 5,849 |
| Core capital (leverage) ratio | 8.5833% | 5,575 |
| Tier 1 risk-based capital ratio | 14.0660% | 4,376 |
| Total risk-based capital ratio | 14.5910% | 4,832 |
| Memoranda: | ||
| Average total assets | $169,654,000 | 3,464 |
| Average earning assets | $160,752,000 | 3,385 |
| Average equity | $14,891,330 | 3,963 |
| Average total loans | $103,529,670 | 3,413 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 4,452 |
| Cost of funding earning assets | 0.7680% | 1,725 |
| Net interest margin | 3.1367% | 5,137 |
| Noninterest income to average assets | 1.0833% | 1,258 |
| Noninterest expense to average assets | 3.3818% | 1,870 |
| Loan and lease loss provision to assets | 0.7183% | 328 |
| Net operating income to assets | 0.1578% | 6,013 |
| Return on assets (ROA) | 0.1578% | 6,112 |
| Pretax return on assets | -0.0447% | 6,441 |
| Return on Equity (ROE) | 1.7621% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.7621% | 5,106 |
| Net charge-offs to loans | -0.1454% | 6,595 |
| Credit loss provision to net charge-offs | -802.6316% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3914% | 1,846 |
| Assets per employee ($millions) | 2.7329% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,408 |
| Loan loss allowance to noncurrent loans | 54.5082% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7448% | 2,675 |
| Noncurrent loans to loans | 2.1098% | 2,491 |
| Net loans and leases to total assets | 59.7591% | 3,474 |
| Net loans and leases to deposits | 68.6201% | 3,688 |
| Net loans and leases to core deposits | 69.6283% | 4,126 |
| Total domestic deposits to total assets | 87.0868% | 2,912 |
| Equity capital to assets | 8.8585% | 5,654 |
| Core capital (leverage) ratio | 8.7283% | 5,288 |
| Tier 1 risk-based capital ratio | 13.8741% | 4,593 |
| Total risk-based capital ratio | 14.9993% | 4,653 |
| Memoranda: | ||
| Average total assets | $169,851,000 | 3,494 |
| Average earning assets | $160,933,500 | 3,416 |
| Average equity | $15,209,000 | 3,953 |
| Average total loans | $104,550,500 | 3,406 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 4,709 |
| Cost of funding earning assets | 0.9436% | 1,677 |
| Net interest margin | 3.2210% | 5,516 |
| Noninterest income to average assets | 0.8892% | 1,900 |
| Noninterest expense to average assets | 3.5779% | 1,665 |
| Loan and lease loss provision to assets | 0.3811% | 1,717 |
| Net operating income to assets | -0.0537% | 6,243 |
| Return on assets (ROA) | 0.2817% | 5,748 |
| Pretax return on assets | 0.2946% | 5,829 |
| Return on Equity (ROE) | 3.1765% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.1500% | 4,020 |
| Net charge-offs to loans | 0.5565% | 2,077 |
| Credit loss provision to net charge-offs | 114.2857% | 2,542 |
| Earnings coverage of net charge-offs (x) | 0.9788% | 4,975 |
| Efficiency ratio | 91.6403% | 946 |
| Assets per employee ($millions) | 2.6592% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.8351% | 4,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 6,461 |
| Loan loss allowance to noncurrent loans | 40.3020% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 1.8331% | 2,671 |
| Noncurrent loans to loans | 2.0178% | 2,679 |
| Net loans and leases to total assets | 62.1749% | 3,220 |
| Net loans and leases to deposits | 71.6943% | 3,460 |
| Net loans and leases to core deposits | 72.7834% | 3,941 |
| Total domestic deposits to total assets | 86.7223% | 2,975 |
| Equity capital to assets | 9.0528% | 5,464 |
| Core capital (leverage) ratio | 8.6797% | 5,357 |
| Tier 1 risk-based capital ratio | 13.8594% | 4,486 |
| Total risk-based capital ratio | 14.6733% | 4,762 |
| Memoranda: | ||
| Average total assets | $170,042,400 | 3,453 |
| Average earning assets | $159,174,600 | 3,390 |
| Average equity | $15,079,400 | 3,950 |
| Average total loans | $101,880,000 | 3,474 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 4,752 |
| Cost of funding earning assets | 0.9757% | 1,705 |
| Net interest margin | 3.2426% | 5,573 |
| Noninterest income to average assets | 0.8281% | 2,129 |
| Noninterest expense to average assets | 3.5045% | 1,746 |
| Loan and lease loss provision to assets | 0.2367% | 2,685 |
| Net operating income to assets | 0.1289% | 6,075 |
| Return on assets (ROA) | 0.2680% | 5,922 |
| Pretax return on assets | 0.2531% | 6,037 |
| Return on Equity (ROE) | 3.0371% | 5,665 |
| Retained earnings to average equity (ytd only) | 3.0017% | 4,751 |
| Net charge-offs to loans | 0.5460% | 1,965 |
| Credit loss provision to net charge-offs | 73.1884% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.0845% | 4,767 |
| Efficiency ratio | 90.9017% | 972 |
| Assets per employee ($millions) | 2.7511% | 6,430 |
| Cash dividends to net income (ytd only)* | 1.1655% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6249% | 6,835 |
| Loan loss allowance to noncurrent loans | 30.8194% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 2.2072% | 2,424 |
| Noncurrent loans to loans | 2.0275% | 2,816 |
| Net loans and leases to total assets | 62.7364% | 3,254 |
| Net loans and leases to deposits | 72.9566% | 3,455 |
| Net loans and leases to core deposits | 74.1764% | 3,958 |
| Total domestic deposits to total assets | 85.9914% | 3,264 |
| Equity capital to assets | 9.1444% | 5,655 |
| Core capital (leverage) ratio | 8.5035% | 5,751 |
| Tier 1 risk-based capital ratio | 12.2033% | 5,834 |
| Total risk-based capital ratio | 12.7641% | 6,192 |
| Memoranda: | ||
| Average total assets | $170,670,750 | 3,475 |
| Average earning assets | $159,332,500 | 3,424 |
| Average equity | $15,057,750 | 3,986 |
| Average total loans | $101,096,250 | 3,537 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 4,817 |
| Cost of funding earning assets | 1.0063% | 1,732 |
| Net interest margin | 3.2325% | 5,637 |
| Noninterest income to average assets | 0.9276% | 1,680 |
| Noninterest expense to average assets | 3.4448% | 1,919 |
| Loan and lease loss provision to assets | 0.2237% | 2,845 |
| Net operating income to assets | 0.3053% | 5,597 |
| Return on assets (ROA) | 0.3053% | 5,802 |
| Pretax return on assets | 0.2727% | 6,018 |
| Return on Equity (ROE) | 3.5023% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.4488% | 4,305 |
| Net charge-offs to loans | 0.3800% | 2,496 |
| Credit loss provision to net charge-offs | 101.5873% | 2,675 |
| Earnings coverage of net charge-offs (x) | 2.2540% | 3,869 |
| Efficiency ratio | 87.4039% | 1,298 |
| Assets per employee ($millions) | 2.8806% | 6,265 |
| Cash dividends to net income (ytd only)* | 1.5267% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 6,731 |
| Loan loss allowance to noncurrent loans | 26.8977% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 2.5836% | 2,150 |
| Noncurrent loans to loans | 2.8596% | 2,096 |
| Net loans and leases to total assets | 58.9034% | 4,007 |
| Net loans and leases to deposits | 68.1523% | 4,171 |
| Net loans and leases to core deposits | 69.2709% | 4,631 |
| Total domestic deposits to total assets | 86.4290% | 3,119 |
| Equity capital to assets | 8.9281% | 5,777 |
| Core capital (leverage) ratio | 8.2717% | 5,962 |
| Tier 1 risk-based capital ratio | 13.0466% | 5,156 |
| Total risk-based capital ratio | 13.7533% | 5,543 |
| Memoranda: | ||
| Average total assets | $171,621,670 | 3,475 |
| Average earning assets | $159,999,000 | 3,428 |
| Average equity | $14,961,670 | 3,995 |
| Average total loans | $99,480,000 | 3,587 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 4,931 |
| Cost of funding earning assets | 1.0342% | 1,777 |
| Net interest margin | 3.2148% | 5,745 |
| Noninterest income to average assets | 0.9417% | 1,592 |
| Noninterest expense to average assets | 3.4351% | 1,925 |
| Loan and lease loss provision to assets | 0.2273% | 2,674 |
| Net operating income to assets | 0.3850% | 5,322 |
| Return on assets (ROA) | 0.3850% | 5,503 |
| Pretax return on assets | 0.2714% | 6,035 |
| Return on Equity (ROE) | 4.4697% | 5,057 |
| Retained earnings to average equity (ytd only) | 4.3620% | 3,977 |
| Net charge-offs to loans | 0.5669% | 1,672 |
| Credit loss provision to net charge-offs | 70.0000% | 2,912 |
| Earnings coverage of net charge-offs (x) | 1.5357% | 3,562 |
| Efficiency ratio | 87.3231% | 1,351 |
| Assets per employee ($millions) | 2.9065% | 6,338 |
| Cash dividends to net income (ytd only)* | 2.4096% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 6,814 |
| Loan loss allowance to noncurrent loans | 47.9974% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.9244% | 3,013 |
| Noncurrent loans to loans | 1.5636% | 3,768 |
| Net loans and leases to total assets | 55.4361% | 4,480 |
| Net loans and leases to deposits | 64.7023% | 4,534 |
| Net loans and leases to core deposits | 65.6095% | 4,962 |
| Total domestic deposits to total assets | 85.6787% | 3,695 |
| Equity capital to assets | 8.5504% | 6,041 |
| Core capital (leverage) ratio | 8.2747% | 5,912 |
| Tier 1 risk-based capital ratio | 13.4583% | 4,856 |
| Total risk-based capital ratio | 14.1497% | 5,260 |
| Memoranda: | ||
| Average total assets | $172,453,500 | 3,485 |
| Average earning assets | $160,508,500 | 3,426 |
| Average equity | $14,855,500 | 4,023 |
| Average total loans | $98,776,500 | 3,630 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 4,643 |
| Cost of funding earning assets | 1.2328% | 1,826 |
| Net interest margin | 3.3767% | 5,557 |
| Noninterest income to average assets | 0.9325% | 1,559 |
| Noninterest expense to average assets | 3.4709% | 2,061 |
| Loan and lease loss provision to assets | 0.2839% | 3,391 |
| Net operating income to assets | 0.2087% | 5,568 |
| Return on assets (ROA) | 0.2543% | 5,556 |
| Pretax return on assets | 0.3443% | 5,442 |
| Return on Equity (ROE) | 2.9971% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.9686% | 4,123 |
| Net charge-offs to loans | 0.2703% | 4,084 |
| Credit loss provision to net charge-offs | 174.7212% | 1,507 |
| Earnings coverage of net charge-offs (x) | 3.4870% | 3,502 |
| Efficiency ratio | 84.5774% | 1,699 |
| Assets per employee ($millions) | 2.8901% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.9501% | 4,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 6,799 |
| Loan loss allowance to noncurrent loans | 23.2551% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 2.7047% | 2,248 |
| Noncurrent loans to loans | 3.3191% | 1,954 |
| Net loans and leases to total assets | 58.2781% | 4,317 |
| Net loans and leases to deposits | 68.2251% | 4,404 |
| Net loans and leases to core deposits | 69.2063% | 4,881 |
| Total domestic deposits to total assets | 85.4202% | 3,634 |
| Equity capital to assets | 8.6795% | 5,921 |
| Core capital (leverage) ratio | 8.3656% | 5,757 |
| Tier 1 risk-based capital ratio | 13.1675% | 4,944 |
| Total risk-based capital ratio | 13.8902% | 5,328 |
| Memoranda: | ||
| Average total assets | $165,575,000 | 3,560 |
| Average earning assets | $152,249,600 | 3,544 |
| Average equity | $14,047,000 | 4,097 |
| Average total loans | $99,519,800 | 3,633 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 4,705 |
| Cost of funding earning assets | 1.2696% | 1,866 |
| Net interest margin | 3.3712% | 5,657 |
| Noninterest income to average assets | 0.9241% | 1,569 |
| Noninterest expense to average assets | 3.4862% | 1,976 |
| Loan and lease loss provision to assets | 0.2840% | 3,252 |
| Net operating income to assets | 0.1789% | 5,757 |
| Return on assets (ROA) | 0.2385% | 5,736 |
| Pretax return on assets | 0.3302% | 5,642 |
| Return on Equity (ROE) | 2.8285% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.7900% | 4,693 |
| Net charge-offs to loans | 0.1342% | 4,716 |
| Credit loss provision to net charge-offs | 350.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 6.5500% | 2,534 |
| Efficiency ratio | 84.8950% | 1,643 |
| Assets per employee ($millions) | 2.8820% | 6,348 |
| Cash dividends to net income (ytd only)* | 1.3597% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 6,813 |
| Loan loss allowance to noncurrent loans | 19.6041% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 3.2443% | 1,963 |
| Noncurrent loans to loans | 4.1098% | 1,611 |
| Net loans and leases to total assets | 60.5442% | 4,035 |
| Net loans and leases to deposits | 70.9478% | 4,149 |
| Net loans and leases to core deposits | 71.6789% | 4,755 |
| Total domestic deposits to total assets | 85.3363% | 3,594 |
| Equity capital to assets | 8.6722% | 6,116 |
| Core capital (leverage) ratio | 8.4222% | 5,821 |
| Tier 1 risk-based capital ratio | 13.3335% | 4,854 |
| Total risk-based capital ratio | 14.1188% | 5,166 |
| Memoranda: | ||
| Average total assets | $164,339,500 | 3,599 |
| Average earning assets | $150,803,250 | 3,592 |
| Average equity | $13,858,750 | 4,151 |
| Average total loans | $99,363,000 | 3,660 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 4,718 |
| Cost of funding earning assets | 1.2963% | 1,961 |
| Net interest margin | 3.3613% | 5,679 |
| Noninterest income to average assets | 0.7919% | 2,062 |
| Noninterest expense to average assets | 3.5214% | 1,931 |
| Loan and lease loss provision to assets | 0.2020% | 3,904 |
| Net operating income to assets | 0.1011% | 6,015 |
| Return on assets (ROA) | 0.1897% | 5,886 |
| Pretax return on assets | 0.2656% | 5,762 |
| Return on Equity (ROE) | 2.2717% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.2130% | 4,884 |
| Net charge-offs to loans | 0.0609% | 5,045 |
| Credit loss provision to net charge-offs | 550.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,938 |
| Efficiency ratio | 88.1850% | 1,398 |
| Assets per employee ($millions) | 2.7493% | 6,570 |
| Cash dividends to net income (ytd only)* | 2.5806% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 7,007 |
| Loan loss allowance to noncurrent loans | 16.8494% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 3.0378% | 2,216 |
| Noncurrent loans to loans | 4.2021% | 1,620 |
| Net loans and leases to total assets | 60.1057% | 4,251 |
| Net loans and leases to deposits | 70.8747% | 4,312 |
| Net loans and leases to core deposits | 71.7642% | 4,844 |
| Total domestic deposits to total assets | 84.8056% | 3,967 |
| Equity capital to assets | 8.4271% | 6,269 |
| Core capital (leverage) ratio | 8.2530% | 5,944 |
| Tier 1 risk-based capital ratio | 13.4825% | 4,540 |
| Total risk-based capital ratio | 14.1723% | 4,957 |
| Memoranda: | ||
| Average total assets | $163,401,330 | 3,623 |
| Average earning assets | $149,346,670 | 3,633 |
| Average equity | $13,646,330 | 4,188 |
| Average total loans | $98,476,000 | 3,730 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 4,738 |
| Cost of funding earning assets | 1.2895% | 2,246 |
| Net interest margin | 3.3628% | 5,572 |
| Noninterest income to average assets | 0.7748% | 2,135 |
| Noninterest expense to average assets | 3.5665% | 1,834 |
| Loan and lease loss provision to assets | 0.2583% | 3,074 |
| Net operating income to assets | 0.0271% | 6,286 |
| Return on assets (ROA) | 0.0271% | 6,321 |
| Pretax return on assets | 0.0418% | 6,280 |
| Return on Equity (ROE) | 0.3255% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.2071% | 5,734 |
| Net charge-offs to loans | 0.0777% | 4,167 |
| Credit loss provision to net charge-offs | 552.6316% | 666 |
| Earnings coverage of net charge-offs (x) | 6.4211% | 2,104 |
| Efficiency ratio | 86.3232% | 1,678 |
| Assets per employee ($millions) | 2.7903% | 6,556 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6676% | 7,117 |
| Loan loss allowance to noncurrent loans | 17.7072% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 2.7148% | 2,538 |
| Noncurrent loans to loans | 3.7699% | 1,950 |
| Net loans and leases to total assets | 58.4840% | 4,559 |
| Net loans and leases to deposits | 68.7056% | 4,573 |
| Net loans and leases to core deposits | 69.6970% | 5,085 |
| Total domestic deposits to total assets | 85.1226% | 3,981 |
| Equity capital to assets | 8.0901% | 6,399 |
| Core capital (leverage) ratio | 8.3768% | 5,672 |
| Tier 1 risk-based capital ratio | 13.4231% | 4,483 |
| Total risk-based capital ratio | 14.0690% | 4,945 |
| Memoranda: | ||
| Average total assets | $162,624,000 | 3,659 |
| Average earning assets | $149,518,500 | 3,650 |
| Average equity | $13,519,000 | 4,213 |
| Average total loans | $97,786,500 | 3,783 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 4,971 |
| Cost of funding earning assets | 1.5956% | 2,094 |
| Net interest margin | 3.3152% | 5,937 |
| Noninterest income to average assets | 1.1031% | 1,221 |
| Noninterest expense to average assets | 3.6338% | 1,837 |
| Loan and lease loss provision to assets | 0.2664% | 4,668 |
| Net operating income to assets | 0.1743% | 5,366 |
| Return on assets (ROA) | 0.2137% | 5,398 |
| Pretax return on assets | 0.2902% | 5,257 |
| Return on Equity (ROE) | 2.5013% | 5,182 |
| Retained earnings to average equity (ytd only) | 1.7238% | 4,652 |
| Net charge-offs to loans | 0.2549% | 4,758 |
| Credit loss provision to net charge-offs | 165.3696% | 2,073 |
| Earnings coverage of net charge-offs (x) | 3.1245% | 3,512 |
| Efficiency ratio | 82.1845% | 2,141 |
| Assets per employee ($millions) | 2.7213% | 6,651 |
| Cash dividends to net income (ytd only)* | 31.0850% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 7,123 |
| Loan loss allowance to noncurrent loans | 16.2923% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 2.9804% | 2,362 |
| Noncurrent loans to loans | 4.3596% | 1,654 |
| Net loans and leases to total assets | 61.0234% | 4,484 |
| Net loans and leases to deposits | 72.3705% | 4,451 |
| Net loans and leases to core deposits | 73.4848% | 5,043 |
| Total domestic deposits to total assets | 84.3208% | 4,217 |
| Equity capital to assets | 8.5495% | 5,795 |
| Core capital (leverage) ratio | 8.6202% | 5,162 |
| Tier 1 risk-based capital ratio | 13.6828% | 4,075 |
| Total risk-based capital ratio | 14.3775% | 4,461 |
| Memoranda: | ||
| Average total assets | $159,556,000 | 3,704 |
| Average earning assets | $146,023,800 | 3,707 |
| Average equity | $13,632,800 | 4,230 |
| Average total loans | $100,833,800 | 3,766 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 4,995 |
| Cost of funding earning assets | 1.6713% | 2,002 |
| Net interest margin | 3.2880% | 6,057 |
| Noninterest income to average assets | 1.0442% | 1,325 |
| Noninterest expense to average assets | 3.6010% | 1,792 |
| Loan and lease loss provision to assets | 0.2892% | 4,264 |
| Net operating income to assets | 0.1274% | 5,700 |
| Return on assets (ROA) | 0.1833% | 5,722 |
| Pretax return on assets | 0.2334% | 5,655 |
| Return on Equity (ROE) | 2.1462% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.1121% | 5,372 |
| Net charge-offs to loans | 0.3235% | 4,046 |
| Credit loss provision to net charge-offs | 140.4858% | 2,824 |
| Earnings coverage of net charge-offs (x) | 2.1943% | 4,080 |
| Efficiency ratio | 83.1174% | 1,939 |
| Assets per employee ($millions) | 2.7920% | 6,601 |
| Cash dividends to net income (ytd only)* | 48.1812% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6242% | 7,316 |
| Loan loss allowance to noncurrent loans | 14.4351% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 3.2152% | 2,222 |
| Noncurrent loans to loans | 4.3245% | 1,683 |
| Net loans and leases to total assets | 63.2285% | 4,269 |
| Net loans and leases to deposits | 74.3894% | 4,445 |
| Net loans and leases to core deposits | 75.8860% | 5,072 |
| Total domestic deposits to total assets | 84.9967% | 3,620 |
| Equity capital to assets | 8.9222% | 5,681 |
| Core capital (leverage) ratio | 8.3905% | 5,713 |
| Tier 1 risk-based capital ratio | 13.9784% | 3,857 |
| Total risk-based capital ratio | 14.6281% | 4,259 |
| Memoranda: | ||
| Average total assets | $159,986,750 | 3,752 |
| Average earning assets | $146,386,750 | 3,739 |
| Average equity | $13,667,500 | 4,281 |
| Average total loans | $101,791,250 | 3,807 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 4,969 |
| Cost of funding earning assets | 1.7100% | 2,071 |
| Net interest margin | 3.2843% | 6,068 |
| Noninterest income to average assets | 0.9566% | 1,494 |
| Noninterest expense to average assets | 3.5646% | 1,871 |
| Loan and lease loss provision to assets | 0.2916% | 4,051 |
| Net operating income to assets | 0.0917% | 5,887 |
| Return on assets (ROA) | 0.1824% | 5,744 |
| Pretax return on assets | 0.2109% | 5,750 |
| Return on Equity (ROE) | 2.1660% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.7240% | 5,013 |
| Net charge-offs to loans | 0.3803% | 3,458 |
| Credit loss provision to net charge-offs | 120.5128% | 3,364 |
| Earnings coverage of net charge-offs (x) | 1.6410% | 4,274 |
| Efficiency ratio | 84.1528% | 1,906 |
| Assets per employee ($millions) | 2.7981% | 6,573 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5631% | 7,454 |
| Loan loss allowance to noncurrent loans | 16.3366% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 2.5387% | 2,847 |
| Noncurrent loans to loans | 3.4466% | 2,303 |
| Net loans and leases to total assets | 62.1180% | 4,662 |
| Net loans and leases to deposits | 73.3562% | 4,782 |
| Net loans and leases to core deposits | 74.6620% | 5,371 |
| Total domestic deposits to total assets | 84.6799% | 3,780 |
| Equity capital to assets | 8.7366% | 5,830 |
| Core capital (leverage) ratio | 8.1320% | 6,063 |
| Tier 1 risk-based capital ratio | 14.2135% | 3,596 |
| Total risk-based capital ratio | 14.8142% | 3,996 |
| Memoranda: | ||
| Average total assets | $161,198,330 | 3,762 |
| Average earning assets | $147,489,000 | 3,752 |
| Average equity | $13,573,330 | 4,299 |
| Average total loans | $102,561,670 | 3,814 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0155% | 4,948 |
| Cost of funding earning assets | 1.7366% | 2,201 |
| Net interest margin | 3.2788% | 6,050 |
| Noninterest income to average assets | 0.7751% | 2,148 |
| Noninterest expense to average assets | 3.5988% | 1,737 |
| Loan and lease loss provision to assets | 0.3579% | 3,228 |
| Net operating income to assets | -0.0395% | 6,360 |
| Return on assets (ROA) | -0.0395% | 6,444 |
| Pretax return on assets | -0.1851% | 6,544 |
| Return on Equity (ROE) | -0.4779% | 6,466 |
| Retained earnings to average equity (ytd only) | -0.5973% | 5,971 |
| Net charge-offs to loans | 0.1577% | 3,981 |
| Credit loss provision to net charge-offs | 353.6585% | 1,143 |
| Earnings coverage of net charge-offs (x) | 1.7073% | 3,707 |
| Efficiency ratio | 89.3325% | 1,482 |
| Assets per employee ($millions) | 2.8583% | 6,515 |
| Cash dividends to net income (ytd only)* | -25.0000% | 7,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 7,479 |
| Loan loss allowance to noncurrent loans | 18.5350% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 2.3938% | 3,038 |
| Noncurrent loans to loans | 3.3005% | 2,418 |
| Net loans and leases to total assets | 62.3242% | 4,692 |
| Net loans and leases to deposits | 73.5948% | 4,807 |
| Net loans and leases to core deposits | 75.0144% | 5,384 |
| Total domestic deposits to total assets | 84.6855% | 3,815 |
| Equity capital to assets | 8.3524% | 6,222 |
| Core capital (leverage) ratio | 8.0916% | 6,093 |
| Tier 1 risk-based capital ratio | 13.7109% | 3,855 |
| Total risk-based capital ratio | 14.3678% | 4,216 |
| Memoranda: | ||
| Average total assets | $162,052,500 | 3,799 |
| Average earning assets | $148,101,500 | 3,795 |
| Average equity | $13,393,000 | 4,380 |
| Average total loans | $104,026,000 | 3,824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 4,586 |
| Cost of funding earning assets | 2.0299% | 2,823 |
| Net interest margin | 3.3903% | 5,401 |
| Noninterest income to average assets | 1.1126% | 1,242 |
| Noninterest expense to average assets | 3.7602% | 1,773 |
| Loan and lease loss provision to assets | 0.5090% | 3,831 |
| Net operating income to assets | 0.0162% | 5,440 |
| Return on assets (ROA) | 0.0940% | 5,268 |
| Pretax return on assets | 0.0348% | 5,361 |
| Return on Equity (ROE) | 1.1229% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.0931% | 4,276 |
| Net charge-offs to loans | 0.6552% | 3,226 |
| Credit loss provision to net charge-offs | 115.7001% | 4,704 |
| Earnings coverage of net charge-offs (x) | 1.0594% | 5,057 |
| Efficiency ratio | 83.5395% | 2,408 |
| Assets per employee ($millions) | 2.8277% | 6,608 |
| Cash dividends to net income (ytd only)* | 2.6490% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4920% | 7,673 |
| Loan loss allowance to noncurrent loans | 16.7956% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 2.2707% | 3,042 |
| Noncurrent loans to loans | 2.9296% | 2,633 |
| Net loans and leases to total assets | 65.3706% | 4,306 |
| Net loans and leases to deposits | 77.5387% | 4,469 |
| Net loans and leases to core deposits | 88.6866% | 5,255 |
| Total domestic deposits to total assets | 84.3071% | 3,889 |
| Equity capital to assets | 8.1759% | 6,373 |
| Core capital (leverage) ratio | 8.0265% | 6,127 |
| Tier 1 risk-based capital ratio | 13.1272% | 4,063 |
| Total risk-based capital ratio | 13.6587% | 4,552 |
| Memoranda: | ||
| Average total assets | $160,710,800 | 3,757 |
| Average earning assets | $147,595,800 | 3,752 |
| Average equity | $13,447,800 | 4,396 |
| Average total loans | $107,901,200 | 3,740 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 4,496 |
| Cost of funding earning assets | 2.0779% | 2,995 |
| Net interest margin | 3.4070% | 5,235 |
| Noninterest income to average assets | 1.1798% | 1,123 |
| Noninterest expense to average assets | 3.8207% | 1,557 |
| Loan and lease loss provision to assets | 0.3321% | 4,348 |
| Net operating income to assets | 0.1652% | 5,266 |
| Return on assets (ROA) | 0.2698% | 5,004 |
| Pretax return on assets | 0.2665% | 5,149 |
| Return on Equity (ROE) | 3.2062% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.1667% | 3,543 |
| Net charge-offs to loans | 0.5240% | 3,117 |
| Credit loss provision to net charge-offs | 93.8967% | 5,379 |
| Earnings coverage of net charge-offs (x) | 1.3967% | 4,735 |
| Efficiency ratio | 83.2403% | 2,402 |
| Assets per employee ($millions) | 2.6653% | 6,923 |
| Cash dividends to net income (ytd only)* | 1.2300% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3579% | 7,858 |
| Loan loss allowance to noncurrent loans | 14.7239% | 7,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0775% | 3,240 |
| Noncurrent loans to loans | 2.4305% | 3,099 |
| Net loans and leases to total assets | 67.9908% | 3,961 |
| Net loans and leases to deposits | 79.6210% | 4,454 |
| Net loans and leases to core deposits | 92.1596% | 5,218 |
| Total domestic deposits to total assets | 85.3932% | 3,028 |
| Equity capital to assets | 8.6636% | 6,015 |
| Core capital (leverage) ratio | 8.0526% | 6,268 |
| Tier 1 risk-based capital ratio | 13.2889% | 3,991 |
| Total risk-based capital ratio | 13.6830% | 4,551 |
| Memoranda: | ||
| Average total assets | $160,593,250 | 3,784 |
| Average earning assets | $147,770,750 | 3,764 |
| Average equity | $13,515,250 | 4,412 |
| Average total loans | $108,405,000 | 3,761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5348% | 4,417 |
| Cost of funding earning assets | 2.1081% | 3,227 |
| Net interest margin | 3.4267% | 5,074 |
| Noninterest income to average assets | 1.3370% | 858 |
| Noninterest expense to average assets | 3.8020% | 1,653 |
| Loan and lease loss provision to assets | 0.3302% | 3,954 |
| Net operating income to assets | 0.3785% | 4,589 |
| Return on assets (ROA) | 0.3785% | 4,691 |
| Pretax return on assets | 0.3611% | 5,043 |
| Return on Equity (ROE) | 4.5404% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.4810% | 2,801 |
| Net charge-offs to loans | 0.2023% | 4,270 |
| Credit loss provision to net charge-offs | 242.7273% | 1,912 |
| Earnings coverage of net charge-offs (x) | 5.0818% | 2,923 |
| Efficiency ratio | 79.5761% | 3,115 |
| Assets per employee ($millions) | 2.8039% | 6,618 |
| Cash dividends to net income (ytd only)* | 1.3072% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 7,762 |
| Loan loss allowance to noncurrent loans | 19.3120% | 7,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8705% | 3,373 |
| Noncurrent loans to loans | 2.7118% | 2,656 |
| Net loans and leases to total assets | 66.2254% | 4,524 |
| Net loans and leases to deposits | 78.0827% | 4,855 |
| Net loans and leases to core deposits | 89.2407% | 5,604 |
| Total domestic deposits to total assets | 84.8144% | 3,350 |
| Equity capital to assets | 8.3645% | 6,248 |
| Core capital (leverage) ratio | 8.0001% | 6,331 |
| Tier 1 risk-based capital ratio | 12.9904% | 4,152 |
| Total risk-based capital ratio | 13.5642% | 4,587 |
| Memoranda: | ||
| Average total assets | $161,706,000 | 3,787 |
| Average earning assets | $148,948,000 | 3,765 |
| Average equity | $13,479,000 | 4,426 |
| Average total loans | $108,772,330 | 3,794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 4,236 |
| Cost of funding earning assets | 2.1851% | 3,240 |
| Net interest margin | 3.4352% | 4,991 |
| Noninterest income to average assets | 1.3545% | 782 |
| Noninterest expense to average assets | 3.4978% | 2,104 |
| Loan and lease loss provision to assets | 0.5507% | 2,270 |
| Net operating income to assets | 0.5904% | 4,053 |
| Return on assets (ROA) | 0.5904% | 4,253 |
| Pretax return on assets | 0.4689% | 5,178 |
| Return on Equity (ROE) | 7.0955% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.9762% | 2,216 |
| Net charge-offs to loans | 0.1724% | 3,599 |
| Credit loss provision to net charge-offs | 472.3404% | 1,128 |
| Earnings coverage of net charge-offs (x) | 8.7447% | 2,151 |
| Efficiency ratio | 72.4876% | 4,110 |
| Assets per employee ($millions) | 2.8046% | 6,630 |
| Cash dividends to net income (ytd only)* | 1.6807% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5459% | 7,758 |
| Loan loss allowance to noncurrent loans | 34.4118% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 4,469 |
| Noncurrent loans to loans | 1.5865% | 3,899 |
| Net loans and leases to total assets | 65.5136% | 4,699 |
| Net loans and leases to deposits | 77.2099% | 5,057 |
| Net loans and leases to core deposits | 88.2859% | 5,707 |
| Total domestic deposits to total assets | 84.8513% | 3,273 |
| Equity capital to assets | 8.3385% | 6,334 |
| Core capital (leverage) ratio | 7.8606% | 6,676 |
| Tier 1 risk-based capital ratio | 12.9909% | 4,182 |
| Total risk-based capital ratio | 13.5901% | 4,586 |
| Memoranda: | ||
| Average total assets | $161,245,000 | 3,811 |
| Average earning assets | $148,462,500 | 3,784 |
| Average equity | $13,417,000 | 4,471 |
| Average total loans | $109,024,500 | 3,813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8936% | 6,066 |
| Cost of funding earning assets | 2.5348% | 4,024 |
| Net interest margin | 3.3588% | 5,826 |
| Noninterest income to average assets | 0.8158% | 2,425 |
| Noninterest expense to average assets | 3.5153% | 2,354 |
| Loan and lease loss provision to assets | 0.0783% | 6,417 |
| Net operating income to assets | 0.2009% | 5,844 |
| Return on assets (ROA) | 0.2118% | 5,629 |
| Pretax return on assets | 0.3126% | 5,484 |
| Return on Equity (ROE) | 2.5315% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.5008% | 3,638 |
| Net charge-offs to loans | 0.0647% | 5,850 |
| Credit loss provision to net charge-offs | 174.2857% | 2,919 |
| Earnings coverage of net charge-offs (x) | 8.3429% | 2,897 |
| Efficiency ratio | 82.4946% | 2,239 |
| Assets per employee ($millions) | 2.8540% | 6,437 |
| Cash dividends to net income (ytd only)* | 1.2121% | 4,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3697% | 8,023 |
| Loan loss allowance to noncurrent loans | 21.1777% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 3,672 |
| Noncurrent loans to loans | 1.7458% | 3,149 |
| Net loans and leases to total assets | 69.1296% | 4,219 |
| Net loans and leases to deposits | 82.1218% | 4,710 |
| Net loans and leases to core deposits | 94.9168% | 5,360 |
| Total domestic deposits to total assets | 84.1794% | 3,229 |
| Equity capital to assets | 8.3029% | 6,418 |
| Core capital (leverage) ratio | 7.8976% | 6,655 |
| Tier 1 risk-based capital ratio | 12.5898% | 4,381 |
| Total risk-based capital ratio | 13.0073% | 4,927 |
| Memoranda: | ||
| Average total assets | $155,806,000 | 3,790 |
| Average earning assets | $142,612,200 | 3,794 |
| Average equity | $13,036,000 | 4,563 |
| Average total loans | $108,255,800 | 3,733 |