Home > First Federal Savings and Loan Association of Greensburg > Performance and Condition Ratios
First Federal Savings and Loan Association of Greensburg, 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 | 3.7392% | 4,243 |
| Cost of funding earning assets | 1.6869% | 1,476 |
| Net interest margin | 2.0523% | 4,399 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.9782% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1241% | 4,231 |
| Return on assets (ROA) | 0.1241% | 4,255 |
| Pretax return on assets | 0.1284% | 4,254 |
| Return on Equity (ROE) | 1.5200% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.5249% | 3,703 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.0501% | 299 |
| Assets per employee ($millions) | 4.9706% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,380 |
| Loan loss allowance to noncurrent loans | 80.5112% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 575 |
| Noncurrent loans to loans | 1.7449% | 354 |
| Net loans and leases to total assets | 49.4200% | 3,630 |
| Net loans and leases to deposits | 54.1395% | 3,789 |
| Net loans and leases to core deposits | 54.6697% | 3,954 |
| Total domestic deposits to total assets | 91.2800% | 431 |
| Equity capital to assets | 8.6207% | 2,954 |
| Core capital (leverage) ratio | 10.3878% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7556% | 557 |
| Memoranda: | ||
| Average total assets | $182,184,200 | 3,106 |
| Average earning assets | $170,248,600 | 3,090 |
| Average equity | $14,820,400 | 3,284 |
| Average total loans | $88,473,200 | 3,308 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6509% | 4,260 |
| Cost of funding earning assets | 1.6152% | 1,344 |
| Net interest margin | 2.0357% | 4,430 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.9417% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1268% | 4,295 |
| Return on assets (ROA) | 0.1268% | 4,312 |
| Pretax return on assets | 0.1311% | 4,320 |
| Return on Equity (ROE) | 1.5800% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.5815% | 3,820 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.6731% | 276 |
| Assets per employee ($millions) | 4.9358% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,379 |
| Loan loss allowance to noncurrent loans | 80.2281% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 609 |
| Noncurrent loans to loans | 1.7671% | 373 |
| Net loans and leases to total assets | 49.5400% | 3,652 |
| Net loans and leases to deposits | 53.7474% | 3,799 |
| Net loans and leases to core deposits | 54.1688% | 3,921 |
| Total domestic deposits to total assets | 92.1800% | 420 |
| Equity capital to assets | 7.7096% | 3,238 |
| Core capital (leverage) ratio | 10.2790% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0811% | 544 |
| Memoranda: | ||
| Average total assets | $182,994,750 | 3,110 |
| Average earning assets | $170,877,000 | 3,094 |
| Average equity | $14,669,000 | 3,292 |
| Average total loans | $88,168,500 | 3,315 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 4,284 |
| Cost of funding earning assets | 1.5402% | 1,176 |
| Net interest margin | 2.0261% | 4,490 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.9311% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1743% | 4,308 |
| Return on assets (ROA) | 0.1743% | 4,331 |
| Pretax return on assets | 0.1808% | 4,340 |
| Return on Equity (ROE) | 2.1500% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.1478% | 3,688 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.4403% | 315 |
| Assets per employee ($millions) | 5.1723% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,419 |
| Loan loss allowance to noncurrent loans | 80.8429% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 598 |
| Noncurrent loans to loans | 1.7687% | 346 |
| Net loans and leases to total assets | 46.8700% | 3,749 |
| Net loans and leases to deposits | 50.9534% | 3,880 |
| Net loans and leases to core deposits | 51.0291% | 3,987 |
| Total domestic deposits to total assets | 91.9900% | 412 |
| Equity capital to assets | 7.9257% | 3,264 |
| Core capital (leverage) ratio | 9.8500% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2002% | 617 |
| Memoranda: | ||
| Average total assets | $184,764,000 | 3,100 |
| Average earning assets | $172,448,667 | 3,086 |
| Average equity | $14,992,333 | 3,271 |
| Average total loans | $87,791,333 | 3,321 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9001% | 4,238 |
| Cost of funding earning assets | 0.4804% | 1,528 |
| Net interest margin | 2.4196% | 4,350 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.0677% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3802% | 4,262 |
| Return on assets (ROA) | 0.3802% | 4,228 |
| Pretax return on assets | 0.4306% | 4,246 |
| Return on Equity (ROE) | 4.5100% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.5055% | 3,233 |
| Net charge-offs to loans | -0.0023% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.7630% | 555 |
| Assets per employee ($millions) | 5.2750% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,450 |
| Loan loss allowance to noncurrent loans | 50.1448% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 488 |
| Noncurrent loans to loans | 1.9694% | 290 |
| Net loans and leases to total assets | 45.7200% | 3,818 |
| Net loans and leases to deposits | 49.6444% | 3,912 |
| Net loans and leases to core deposits | 49.7157% | 3,985 |
| Total domestic deposits to total assets | 92.1000% | 615 |
| Equity capital to assets | 7.8015% | 3,187 |
| Core capital (leverage) ratio | 9.6943% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9413% | 633 |
| Memoranda: | ||
| Average total assets | $188,324,000 | 3,120 |
| Average earning assets | $176,720,400 | 3,092 |
| Average equity | $15,891,600 | 3,285 |
| Average total loans | $86,286,800 | 3,332 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7312% | 4,265 |
| Cost of funding earning assets | 0.2719% | 2,470 |
| Net interest margin | 2.4593% | 4,253 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.0149% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4477% | 4,170 |
| Return on assets (ROA) | 0.4477% | 4,115 |
| Pretax return on assets | 0.5271% | 4,107 |
| Return on Equity (ROE) | 5.2100% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.2059% | 3,021 |
| Net charge-offs to loans | -0.0031% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.2632% | 818 |
| Assets per employee ($millions) | 5.1689% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,544 |
| Loan loss allowance to noncurrent loans | 45.6510% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0194% | 439 |
| Noncurrent loans to loans | 2.1637% | 267 |
| Net loans and leases to total assets | 46.6500% | 3,723 |
| Net loans and leases to deposits | 50.5030% | 3,821 |
| Net loans and leases to core deposits | 50.6518% | 3,917 |
| Total domestic deposits to total assets | 92.3700% | 759 |
| Equity capital to assets | 7.5085% | 3,217 |
| Core capital (leverage) ratio | 7.1556% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3620% | 1,320 |
| Memoranda: | ||
| Average total assets | $187,930,000 | 3,142 |
| Average earning assets | $176,523,000 | 3,117 |
| Average equity | $16,160,750 | 3,297 |
| Average total loans | $85,936,000 | 3,344 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5345% | 4,344 |
| Cost of funding earning assets | 0.1478% | 3,605 |
| Net interest margin | 2.3867% | 4,247 |
| Noninterest income to average assets | 0.2323% | 3,788 |
| Noninterest expense to average assets | 1.9730% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4264% | 4,063 |
| Return on assets (ROA) | 0.4264% | 4,011 |
| Pretax return on assets | 0.5039% | 3,992 |
| Return on Equity (ROE) | 4.7601% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.7601% | 2,796 |
| Net charge-offs to loans | -0.0047% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6574% | 973 |
| Assets per employee ($millions) | 5.3819% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,558 |
| Loan loss allowance to noncurrent loans | 44.7777% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 465 |
| Noncurrent loans to loans | 2.2519% | 278 |
| Net loans and leases to total assets | 43.8795% | 3,843 |
| Net loans and leases to deposits | 47.7202% | 3,933 |
| Net loans and leases to core deposits | 47.8556% | 4,031 |
| Total domestic deposits to total assets | 91.9514% | 850 |
| Equity capital to assets | 7.9082% | 3,195 |
| Core capital (leverage) ratio | 7.9735% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6230% | 1,051 |
| Memoranda: | ||
| Average total assets | $188,546,000 | 3,173 |
| Average earning assets | $177,315,333 | 3,155 |
| Average equity | $16,890,333 | 3,329 |
| Average total loans | $85,357,000 | 3,388 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 3,595 |
| Cost of funding earning assets | 0.1371% | 3,671 |
| Net interest margin | 2.7370% | 3,320 |
| Noninterest income to average assets | 0.2323% | 3,757 |
| Noninterest expense to average assets | 2.4523% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3141% | 4,115 |
| Return on assets (ROA) | 0.3141% | 4,083 |
| Pretax return on assets | 0.3571% | 4,106 |
| Return on Equity (ROE) | 3.3042% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.3042% | 3,168 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2894% | 667 |
| Assets per employee ($millions) | 5.1035% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,681 |
| Loan loss allowance to noncurrent loans | 37.1134% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 333 |
| Noncurrent loans to loans | 2.7212% | 211 |
| Net loans and leases to total assets | 46.0936% | 3,567 |
| Net loans and leases to deposits | 50.7497% | 3,668 |
| Net loans and leases to core deposits | 51.3678% | 3,776 |
| Total domestic deposits to total assets | 90.8255% | 1,125 |
| Equity capital to assets | 9.0619% | 2,660 |
| Core capital (leverage) ratio | 9.9673% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4445% | 605 |
| Memoranda: | ||
| Average total assets | $185,944,500 | 3,197 |
| Average earning assets | $175,080,000 | 3,187 |
| Average equity | $17,674,500 | 3,351 |
| Average total loans | $85,094,500 | 3,396 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6535% | 4,353 |
| Cost of funding earning assets | 0.1363% | 4,104 |
| Net interest margin | 2.5172% | 4,168 |
| Noninterest income to average assets | 0.3735% | 3,195 |
| Noninterest expense to average assets | 2.2368% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4209% | 4,240 |
| Return on assets (ROA) | 0.4209% | 4,279 |
| Pretax return on assets | 0.5027% | 4,253 |
| Return on Equity (ROE) | 3.9491% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.9491% | 3,238 |
| Net charge-offs to loans | 0.0060% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 175.8000% | 588 |
| Efficiency ratio | 81.6493% | 708 |
| Assets per employee ($millions) | 5.2268% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,658 |
| Loan loss allowance to noncurrent loans | 35.4244% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 358 |
| Noncurrent loans to loans | 2.8817% | 209 |
| Net loans and leases to total assets | 44.5226% | 3,798 |
| Net loans and leases to deposits | 49.4864% | 3,917 |
| Net loans and leases to core deposits | 50.0795% | 4,013 |
| Total domestic deposits to total assets | 89.9693% | 978 |
| Equity capital to assets | 9.9382% | 2,712 |
| Core capital (leverage) ratio | 9.5070% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4659% | 606 |
| Memoranda: | ||
| Average total assets | $174,846,800 | 3,252 |
| Average earning assets | $164,350,800 | 3,233 |
| Average equity | $18,637,000 | 3,335 |
| Average total loans | $83,851,600 | 3,416 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7015% | 4,405 |
| Cost of funding earning assets | 0.1333% | 4,244 |
| Net interest margin | 2.5682% | 4,184 |
| Noninterest income to average assets | 0.4073% | 3,047 |
| Noninterest expense to average assets | 2.2427% | 2,917 |
| Loan and lease loss provision to assets | 0.0017% | 2,936 |
| Net operating income to assets | 0.4750% | 4,247 |
| Return on assets (ROA) | 0.4750% | 4,290 |
| Pretax return on assets | 0.5745% | 4,268 |
| Return on Equity (ROE) | 4.3748% | 4,245 |
| Retained earnings to average equity (ytd only) | 4.3748% | 3,454 |
| Net charge-offs to loans | 0.0032% | 2,232 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 370.5000% | 380 |
| Efficiency ratio | 79.5643% | 771 |
| Assets per employee ($millions) | 5.0329% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,706 |
| Loan loss allowance to noncurrent loans | 37.3282% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2849% | 446 |
| Noncurrent loans to loans | 2.7885% | 247 |
| Net loans and leases to total assets | 45.5989% | 3,821 |
| Net loans and leases to deposits | 50.9434% | 3,958 |
| Net loans and leases to core deposits | 51.5001% | 4,062 |
| Total domestic deposits to total assets | 89.5090% | 1,004 |
| Equity capital to assets | 10.3834% | 2,543 |
| Core capital (leverage) ratio | 10.3026% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6476% | 630 |
| Memoranda: | ||
| Average total assets | $171,517,750 | 3,316 |
| Average earning assets | $161,040,000 | 3,298 |
| Average equity | $18,621,250 | 3,374 |
| Average total loans | $83,654,750 | 3,465 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7946% | 4,346 |
| Cost of funding earning assets | 0.1344% | 4,319 |
| Net interest margin | 2.6602% | 4,060 |
| Noninterest income to average assets | 0.4468% | 2,864 |
| Noninterest expense to average assets | 2.3162% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5110% | 4,198 |
| Return on assets (ROA) | 0.5110% | 4,238 |
| Pretax return on assets | 0.6239% | 4,197 |
| Return on Equity (ROE) | 4.6343% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.6343% | 3,316 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7793% | 862 |
| Assets per employee ($millions) | 4.8844% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,688 |
| Loan loss allowance to noncurrent loans | 41.0681% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 566 |
| Noncurrent loans to loans | 2.5249% | 324 |
| Net loans and leases to total assets | 47.1656% | 3,811 |
| Net loans and leases to deposits | 52.8403% | 3,942 |
| Net loans and leases to core deposits | 52.9253% | 4,090 |
| Total domestic deposits to total assets | 89.2606% | 1,160 |
| Equity capital to assets | 10.6200% | 2,288 |
| Core capital (leverage) ratio | 10.2083% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8636% | 625 |
| Memoranda: | ||
| Average total assets | $168,295,667 | 3,358 |
| Average earning assets | $157,733,333 | 3,331 |
| Average equity | $18,557,333 | 3,378 |
| Average total loans | $83,710,667 | 3,484 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7673% | 4,407 |
| Cost of funding earning assets | 0.1324% | 4,440 |
| Net interest margin | 2.6350% | 4,087 |
| Noninterest income to average assets | 0.5446% | 2,424 |
| Noninterest expense to average assets | 2.3583% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5349% | 4,107 |
| Return on assets (ROA) | 0.5349% | 4,147 |
| Pretax return on assets | 0.6540% | 4,104 |
| Return on Equity (ROE) | 4.7570% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.7570% | 3,296 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2889% | 935 |
| Assets per employee ($millions) | 4.6641% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,649 |
| Loan loss allowance to noncurrent loans | 38.2482% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 507 |
| Noncurrent loans to loans | 2.7453% | 312 |
| Net loans and leases to total assets | 48.7717% | 3,738 |
| Net loans and leases to deposits | 54.8653% | 3,882 |
| Net loans and leases to core deposits | 54.9581% | 4,053 |
| Total domestic deposits to total assets | 88.8934% | 1,394 |
| Equity capital to assets | 10.9994% | 1,865 |
| Core capital (leverage) ratio | 11.0773% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7191% | 708 |
| Memoranda: | ||
| Average total assets | $164,524,500 | 3,389 |
| Average earning assets | $154,082,500 | 3,374 |
| Average equity | $18,499,000 | 3,375 |
| Average total loans | $83,664,000 | 3,500 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2290% | 4,420 |
| Cost of funding earning assets | 0.2874% | 4,211 |
| Net interest margin | 2.9415% | 4,034 |
| Noninterest income to average assets | 0.6545% | 2,011 |
| Noninterest expense to average assets | 2.5644% | 2,658 |
| Loan and lease loss provision to assets | 0.0006% | 4,317 |
| Net operating income to assets | 0.6620% | 3,553 |
| Return on assets (ROA) | 0.6620% | 3,678 |
| Pretax return on assets | 0.8404% | 3,528 |
| Return on Equity (ROE) | 5.9373% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.9373% | 1,823 |
| Net charge-offs to loans | 0.0011% | 3,383 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 1,339.0000% | 82 |
| Efficiency ratio | 75.3043% | 1,304 |
| Assets per employee ($millions) | 4.4761% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,770 |
| Loan loss allowance to noncurrent loans | 85.7002% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 1,673 |
| Noncurrent loans to loans | 1.1990% | 1,171 |
| Net loans and leases to total assets | 51.9412% | 3,666 |
| Net loans and leases to deposits | 58.7581% | 3,847 |
| Net loans and leases to core deposits | 58.8623% | 4,004 |
| Total domestic deposits to total assets | 88.3983% | 1,278 |
| Equity capital to assets | 11.4987% | 1,883 |
| Core capital (leverage) ratio | 8.9117% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9113% | 589 |
| Memoranda: | ||
| Average total assets | $159,215,600 | 3,295 |
| Average earning assets | $148,901,400 | 3,280 |
| Average equity | $17,752,200 | 3,394 |
| Average total loans | $88,812,600 | 3,419 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2722% | 4,511 |
| Cost of funding earning assets | 0.3361% | 4,121 |
| Net interest margin | 2.9361% | 4,115 |
| Noninterest income to average assets | 0.6392% | 2,027 |
| Noninterest expense to average assets | 2.4955% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6946% | 3,474 |
| Return on assets (ROA) | 0.6946% | 3,572 |
| Pretax return on assets | 0.8878% | 3,412 |
| Return on Equity (ROE) | 6.2800% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.2800% | 1,984 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7587% | 1,430 |
| Assets per employee ($millions) | 4.4547% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,610 |
| Loan loss allowance to noncurrent loans | 87.0871% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 1,869 |
| Noncurrent loans to loans | 1.1726% | 1,294 |
| Net loans and leases to total assets | 52.5815% | 3,922 |
| Net loans and leases to deposits | 59.4755% | 4,093 |
| Net loans and leases to core deposits | 59.5810% | 4,230 |
| Total domestic deposits to total assets | 88.4087% | 1,009 |
| Equity capital to assets | 11.3986% | 2,081 |
| Core capital (leverage) ratio | 9.7748% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9672% | 591 |
| Memoranda: | ||
| Average total assets | $158,734,500 | 3,283 |
| Average earning assets | $148,357,250 | 3,264 |
| Average equity | $17,558,000 | 3,414 |
| Average total loans | $89,874,000 | 3,416 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4355% | 4,503 |
| Cost of funding earning assets | 0.4135% | 3,977 |
| Net interest margin | 3.0220% | 4,076 |
| Noninterest income to average assets | 0.5399% | 2,396 |
| Noninterest expense to average assets | 2.6209% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5968% | 3,750 |
| Return on assets (ROA) | 0.5968% | 3,827 |
| Pretax return on assets | 0.7371% | 3,778 |
| Return on Equity (ROE) | 5.4512% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.4512% | 2,295 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0497% | 1,050 |
| Assets per employee ($millions) | 4.6749% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 3,698 |
| Loan loss allowance to noncurrent loans | 86.5672% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 2,018 |
| Noncurrent loans to loans | 1.1233% | 1,403 |
| Net loans and leases to total assets | 52.6453% | 3,979 |
| Net loans and leases to deposits | 58.9582% | 4,170 |
| Net loans and leases to core deposits | 59.1578% | 4,301 |
| Total domestic deposits to total assets | 89.2927% | 647 |
| Equity capital to assets | 10.5730% | 2,686 |
| Core capital (leverage) ratio | 9.5729% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7783% | 517 |
| Memoranda: | ||
| Average total assets | $158,189,333 | 3,267 |
| Average earning assets | $147,519,667 | 3,246 |
| Average equity | $17,317,333 | 3,432 |
| Average total loans | $91,433,667 | 3,387 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6197% | 4,499 |
| Cost of funding earning assets | 0.6033% | 3,417 |
| Net interest margin | 3.0164% | 4,257 |
| Noninterest income to average assets | 0.3343% | 3,524 |
| Noninterest expense to average assets | 2.6852% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3683% | 4,200 |
| Return on assets (ROA) | 0.3683% | 4,237 |
| Pretax return on assets | 0.4571% | 4,194 |
| Return on Equity (ROE) | 3.3023% | 4,144 |
| Retained earnings to average equity (ytd only) | 3.3023% | 2,959 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4530% | 738 |
| Assets per employee ($millions) | 4.0545% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,000 |
| Loan loss allowance to noncurrent loans | 86.6401% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 1,944 |
| Noncurrent loans to loans | 1.0755% | 1,546 |
| Net loans and leases to total assets | 63.2957% | 3,152 |
| Net loans and leases to deposits | 71.8529% | 3,440 |
| Net loans and leases to core deposits | 71.9951% | 3,765 |
| Total domestic deposits to total assets | 88.0907% | 1,075 |
| Equity capital to assets | 11.7929% | 2,215 |
| Core capital (leverage) ratio | 10.5980% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2745% | 616 |
| Memoranda: | ||
| Average total assets | $153,136,000 | 3,292 |
| Average earning assets | $142,554,500 | 3,269 |
| Average equity | $17,079,000 | 3,462 |
| Average total loans | $92,415,500 | 3,358 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 4,540 |
| Cost of funding earning assets | 0.8044% | 2,664 |
| Net interest margin | 3.0135% | 4,501 |
| Noninterest income to average assets | 0.3737% | 3,461 |
| Noninterest expense to average assets | 2.6038% | 3,166 |
| Loan and lease loss provision to assets | 0.0342% | 3,328 |
| Net operating income to assets | 0.4192% | 4,564 |
| Return on assets (ROA) | 0.4192% | 4,595 |
| Pretax return on assets | 0.5257% | 4,528 |
| Return on Equity (ROE) | 3.7778% | 4,519 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,090 |
| Net charge-offs to loans | 0.0553% | 2,310 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 16.3922% | 2,173 |
| Efficiency ratio | 82.3031% | 782 |
| Assets per employee ($millions) | 4.4531% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,748 |
| Loan loss allowance to noncurrent loans | 72.2962% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,727 |
| Noncurrent loans to loans | 1.3126% | 1,141 |
| Net loans and leases to total assets | 56.5813% | 3,882 |
| Net loans and leases to deposits | 63.3187% | 4,116 |
| Net loans and leases to core deposits | 63.4308% | 4,307 |
| Total domestic deposits to total assets | 89.3594% | 543 |
| Equity capital to assets | 10.5701% | 3,375 |
| Core capital (leverage) ratio | 9.7956% | 3,734 |
| Tier 1 risk-based capital ratio | 20.8639% | 1,188 |
| Total risk-based capital ratio | 21.9442% | 1,185 |
| Memoranda: | ||
| Average total assets | $149,318,400 | 3,308 |
| Average earning assets | $138,246,800 | 3,307 |
| Average equity | $16,570,600 | 3,488 |
| Average total loans | $92,252,000 | 3,355 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 4,506 |
| Cost of funding earning assets | 0.8081% | 2,673 |
| Net interest margin | 3.1130% | 4,457 |
| Noninterest income to average assets | 0.3648% | 3,533 |
| Noninterest expense to average assets | 2.5998% | 3,168 |
| Loan and lease loss provision to assets | 0.0455% | 2,993 |
| Net operating income to assets | 0.4721% | 4,582 |
| Return on assets (ROA) | 0.4721% | 4,619 |
| Pretax return on assets | 0.5931% | 4,556 |
| Return on Equity (ROE) | 4.1997% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.1997% | 3,300 |
| Net charge-offs to loans | 0.0736% | 1,768 |
| Credit loss provision to net charge-offs | 98.0392% | 2,303 |
| Earnings coverage of net charge-offs (x) | 13.7644% | 2,270 |
| Efficiency ratio | 80.2809% | 898 |
| Assets per employee ($millions) | 4.1265% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,928 |
| Loan loss allowance to noncurrent loans | 122.9137% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,626 |
| Noncurrent loans to loans | 0.7560% | 2,077 |
| Net loans and leases to total assets | 62.3706% | 3,455 |
| Net loans and leases to deposits | 70.4915% | 3,739 |
| Net loans and leases to core deposits | 70.6263% | 4,025 |
| Total domestic deposits to total assets | 88.4796% | 838 |
| Equity capital to assets | 11.3716% | 2,773 |
| Core capital (leverage) ratio | 10.6083% | 3,004 |
| Tier 1 risk-based capital ratio | 20.5342% | 1,276 |
| Total risk-based capital ratio | 21.6042% | 1,273 |
| Memoranda: | ||
| Average total assets | $146,570,250 | 3,378 |
| Average earning assets | $135,301,000 | 3,381 |
| Average equity | $16,477,000 | 3,517 |
| Average total loans | $92,421,250 | 3,390 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 4,551 |
| Cost of funding earning assets | 0.7869% | 2,706 |
| Net interest margin | 3.1148% | 4,505 |
| Noninterest income to average assets | 0.3139% | 3,833 |
| Noninterest expense to average assets | 2.6318% | 3,116 |
| Loan and lease loss provision to assets | 0.0274% | 3,272 |
| Net operating income to assets | 0.4222% | 4,694 |
| Return on assets (ROA) | 0.4222% | 4,717 |
| Pretax return on assets | 0.5250% | 4,661 |
| Return on Equity (ROE) | 3.7703% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.7703% | 3,368 |
| Net charge-offs to loans | 0.0435% | 2,028 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 20.1500% | 1,787 |
| Efficiency ratio | 82.6517% | 760 |
| Assets per employee ($millions) | 4.0721% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 3,879 |
| Loan loss allowance to noncurrent loans | 128.3604% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 2,028 |
| Noncurrent loans to loans | 0.7394% | 2,142 |
| Net loans and leases to total assets | 61.8659% | 3,554 |
| Net loans and leases to deposits | 69.8751% | 3,852 |
| Net loans and leases to core deposits | 69.8751% | 4,114 |
| Total domestic deposits to total assets | 88.5379% | 865 |
| Equity capital to assets | 11.3823% | 2,721 |
| Core capital (leverage) ratio | 11.0350% | 2,567 |
| Tier 1 risk-based capital ratio | 20.3155% | 1,287 |
| Total risk-based capital ratio | 21.3872% | 1,294 |
| Memoranda: | ||
| Average total assets | $145,909,000 | 3,405 |
| Average earning assets | $134,456,000 | 3,415 |
| Average equity | $16,338,330 | 3,531 |
| Average total loans | $92,054,000 | 3,411 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 4,469 |
| Cost of funding earning assets | 0.6656% | 3,230 |
| Net interest margin | 3.2861% | 4,196 |
| Noninterest income to average assets | 0.2940% | 3,911 |
| Noninterest expense to average assets | 2.6655% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5194% | 4,464 |
| Return on assets (ROA) | 0.5194% | 4,485 |
| Pretax return on assets | 0.6540% | 4,408 |
| Return on Equity (ROE) | 4.6769% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.6769% | 3,045 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2980% | 1,032 |
| Assets per employee ($millions) | 3.9310% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 3,956 |
| Loan loss allowance to noncurrent loans | 147.0389% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 2,102 |
| Noncurrent loans to loans | 0.6471% | 2,398 |
| Net loans and leases to total assets | 63.9240% | 3,292 |
| Net loans and leases to deposits | 72.3708% | 3,575 |
| Net loans and leases to core deposits | 72.3708% | 3,915 |
| Total domestic deposits to total assets | 88.3284% | 1,167 |
| Equity capital to assets | 11.5472% | 2,356 |
| Core capital (leverage) ratio | 11.2577% | 2,334 |
| Tier 1 risk-based capital ratio | 20.9518% | 1,171 |
| Total risk-based capital ratio | 22.0649% | 1,168 |
| Memoranda: | ||
| Average total assets | $145,565,500 | 3,441 |
| Average earning assets | $134,021,000 | 3,454 |
| Average equity | $16,164,500 | 3,558 |
| Average total loans | $92,300,000 | 3,442 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 4,610 |
| Cost of funding earning assets | 0.6011% | 2,709 |
| Net interest margin | 3.1355% | 4,597 |
| Noninterest income to average assets | 0.2978% | 4,114 |
| Noninterest expense to average assets | 2.5896% | 3,367 |
| Loan and lease loss provision to assets | 0.0598% | 2,967 |
| Net operating income to assets | 0.4303% | 4,809 |
| Return on assets (ROA) | 0.4303% | 4,804 |
| Pretax return on assets | 0.5378% | 4,744 |
| Return on Equity (ROE) | 4.1119% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.1119% | 3,297 |
| Net charge-offs to loans | 0.0960% | 1,805 |
| Credit loss provision to net charge-offs | 101.1364% | 2,488 |
| Earnings coverage of net charge-offs (x) | 10.1023% | 2,754 |
| Efficiency ratio | 81.2487% | 867 |
| Assets per employee ($millions) | 4.1560% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 4,038 |
| Loan loss allowance to noncurrent loans | 107.6828% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 1,568 |
| Noncurrent loans to loans | 0.8652% | 1,867 |
| Net loans and leases to total assets | 61.7581% | 3,593 |
| Net loans and leases to deposits | 69.1985% | 3,885 |
| Net loans and leases to core deposits | 69.1985% | 4,160 |
| Total domestic deposits to total assets | 89.2478% | 756 |
| Equity capital to assets | 10.6860% | 3,002 |
| Core capital (leverage) ratio | 10.4135% | 3,126 |
| Tier 1 risk-based capital ratio | 19.3780% | 1,431 |
| Total risk-based capital ratio | 20.4195% | 1,445 |
| Memoranda: | ||
| Average total assets | $148,748,800 | 3,400 |
| Average earning assets | $137,073,600 | 3,400 |
| Average equity | $15,564,600 | 3,566 |
| Average total loans | $91,642,800 | 3,446 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,635 |
| Cost of funding earning assets | 0.5524% | 2,846 |
| Net interest margin | 3.1544% | 4,609 |
| Noninterest income to average assets | 0.3025% | 4,126 |
| Noninterest expense to average assets | 2.6131% | 3,245 |
| Loan and lease loss provision to assets | 0.0260% | 3,494 |
| Net operating income to assets | 0.4048% | 4,946 |
| Return on assets (ROA) | 0.4048% | 4,948 |
| Pretax return on assets | 0.5700% | 4,782 |
| Return on Equity (ROE) | 3.8898% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.8898% | 3,828 |
| Net charge-offs to loans | 0.1140% | 1,360 |
| Credit loss provision to net charge-offs | 37.1795% | 2,929 |
| Earnings coverage of net charge-offs (x) | 8.5126% | 2,700 |
| Efficiency ratio | 81.4266% | 819 |
| Assets per employee ($millions) | 4.0749% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,330 |
| Loan loss allowance to noncurrent loans | 68.3639% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 1,382 |
| Noncurrent loans to loans | 1.2921% | 1,299 |
| Net loans and leases to total assets | 62.6464% | 3,581 |
| Net loans and leases to deposits | 70.2188% | 3,901 |
| Net loans and leases to core deposits | 70.2188% | 4,178 |
| Total domestic deposits to total assets | 89.2159% | 768 |
| Equity capital to assets | 10.6477% | 2,989 |
| Core capital (leverage) ratio | 10.7188% | 2,866 |
| Tier 1 risk-based capital ratio | 20.1143% | 1,315 |
| Total risk-based capital ratio | 21.1450% | 1,322 |
| Memoranda: | ||
| Average total assets | $148,532,000 | 3,442 |
| Average earning assets | $136,864,000 | 3,438 |
| Average equity | $15,458,750 | 3,604 |
| Average total loans | $91,236,250 | 3,477 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 4,770 |
| Cost of funding earning assets | 0.5364% | 2,723 |
| Net interest margin | 3.0622% | 4,792 |
| Noninterest income to average assets | 0.3017% | 4,161 |
| Noninterest expense to average assets | 2.6297% | 3,222 |
| Loan and lease loss provision to assets | 0.0013% | 3,771 |
| Net operating income to assets | 0.3513% | 5,047 |
| Return on assets (ROA) | 0.3513% | 5,045 |
| Pretax return on assets | 0.4881% | 4,925 |
| Return on Equity (ROE) | 3.4015% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.4015% | 3,874 |
| Net charge-offs to loans | 0.1102% | 1,272 |
| Credit loss provision to net charge-offs | 2.0000% | 2,757 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 2,560 |
| Efficiency ratio | 84.3078% | 673 |
| Assets per employee ($millions) | 4.2237% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 4,389 |
| Loan loss allowance to noncurrent loans | 57.4737% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2943% | 1,094 |
| Noncurrent loans to loans | 1.5465% | 1,067 |
| Net loans and leases to total assets | 60.0622% | 3,804 |
| Net loans and leases to deposits | 66.9921% | 4,102 |
| Net loans and leases to core deposits | 66.9921% | 4,312 |
| Total domestic deposits to total assets | 89.6556% | 686 |
| Equity capital to assets | 10.1865% | 3,450 |
| Core capital (leverage) ratio | 10.0300% | 3,546 |
| Tier 1 risk-based capital ratio | 19.8704% | 1,349 |
| Total risk-based capital ratio | 20.9008% | 1,360 |
| Memoranda: | ||
| Average total assets | $149,143,330 | 3,449 |
| Average earning assets | $137,220,330 | 3,451 |
| Average equity | $15,405,000 | 3,627 |
| Average total loans | $90,741,670 | 3,500 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 4,744 |
| Cost of funding earning assets | 0.4480% | 3,214 |
| Net interest margin | 3.1328% | 4,639 |
| Noninterest income to average assets | 0.3006% | 4,150 |
| Noninterest expense to average assets | 2.6895% | 3,071 |
| Loan and lease loss provision to assets | 0.0027% | 3,483 |
| Net operating income to assets | 0.3467% | 5,012 |
| Return on assets (ROA) | 0.3467% | 5,016 |
| Pretax return on assets | 0.4875% | 4,891 |
| Return on Equity (ROE) | 3.3327% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.3327% | 3,877 |
| Net charge-offs to loans | 0.2221% | 677 |
| Credit loss provision to net charge-offs | 2.0000% | 2,195 |
| Earnings coverage of net charge-offs (x) | 3.6200% | 2,371 |
| Efficiency ratio | 84.5826% | 756 |
| Assets per employee ($millions) | 3.9919% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,363 |
| Loan loss allowance to noncurrent loans | 46.4813% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.6701% | 785 |
| Noncurrent loans to loans | 1.9766% | 817 |
| Net loans and leases to total assets | 61.4619% | 3,610 |
| Net loans and leases to deposits | 68.9619% | 3,877 |
| Net loans and leases to core deposits | 68.9619% | 4,154 |
| Total domestic deposits to total assets | 89.1244% | 1,039 |
| Equity capital to assets | 10.7002% | 2,870 |
| Core capital (leverage) ratio | 10.6298% | 2,818 |
| Tier 1 risk-based capital ratio | 20.3642% | 1,283 |
| Total risk-based capital ratio | 21.4288% | 1,283 |
| Memoranda: | ||
| Average total assets | $147,688,000 | 3,499 |
| Average earning assets | $135,725,000 | 3,509 |
| Average equity | $15,363,000 | 3,662 |
| Average total loans | $90,039,500 | 3,542 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4299% | 4,901 |
| Cost of funding earning assets | 0.3919% | 3,319 |
| Net interest margin | 3.0380% | 4,807 |
| Noninterest income to average assets | 0.3618% | 3,878 |
| Noninterest expense to average assets | 2.8157% | 2,722 |
| Loan and lease loss provision to assets | -0.0254% | 5,342 |
| Net operating income to assets | 0.2000% | 5,108 |
| Return on assets (ROA) | 0.2000% | 5,124 |
| Pretax return on assets | 0.3612% | 5,137 |
| Return on Equity (ROE) | 1.9495% | 5,066 |
| Retained earnings to average equity (ytd only) | 1.9495% | 4,155 |
| Net charge-offs to loans | -0.0414% | 5,135 |
| Credit loss provision to net charge-offs | 102.7027% | 2,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3463% | 457 |
| Assets per employee ($millions) | 5.0556% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 4,181 |
| Loan loss allowance to noncurrent loans | 24.3759% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 2.5688% | 354 |
| Noncurrent loans to loans | 3.9204% | 246 |
| Net loans and leases to total assets | 59.3833% | 3,891 |
| Net loans and leases to deposits | 66.1632% | 4,179 |
| Net loans and leases to core deposits | 66.1632% | 4,404 |
| Total domestic deposits to total assets | 89.7527% | 654 |
| Equity capital to assets | 10.1201% | 3,575 |
| Core capital (leverage) ratio | 10.1631% | 3,231 |
| Tier 1 risk-based capital ratio | 19.7371% | 1,370 |
| Total risk-based capital ratio | 20.8408% | 1,370 |
| Memoranda: | ||
| Average total assets | $149,518,200 | 3,476 |
| Average earning assets | $137,292,600 | 3,485 |
| Average equity | $15,337,600 | 3,679 |
| Average total loans | $89,470,600 | 3,536 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4622% | 4,879 |
| Cost of funding earning assets | 0.3689% | 3,473 |
| Net interest margin | 3.0933% | 4,731 |
| Noninterest income to average assets | 0.3759% | 3,841 |
| Noninterest expense to average assets | 2.7735% | 2,819 |
| Loan and lease loss provision to assets | -0.0331% | 5,500 |
| Net operating income to assets | 0.3446% | 5,127 |
| Return on assets (ROA) | 0.3446% | 5,147 |
| Pretax return on assets | 0.4725% | 5,083 |
| Return on Equity (ROE) | 3.3474% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.3474% | 3,937 |
| Net charge-offs to loans | -0.0584% | 5,213 |
| Credit loss provision to net charge-offs | 94.8718% | 2,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3231% | 612 |
| Assets per employee ($millions) | 4.1154% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 4,250 |
| Loan loss allowance to noncurrent loans | 28.7744% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 2.2666% | 520 |
| Noncurrent loans to loans | 3.3633% | 338 |
| Net loans and leases to total assets | 60.1610% | 3,843 |
| Net loans and leases to deposits | 67.3653% | 4,156 |
| Net loans and leases to core deposits | 67.3653% | 4,398 |
| Total domestic deposits to total assets | 89.3057% | 746 |
| Equity capital to assets | 10.5242% | 3,350 |
| Core capital (leverage) ratio | 10.4919% | 2,997 |
| Tier 1 risk-based capital ratio | 19.3810% | 1,504 |
| Total risk-based capital ratio | 20.4614% | 1,495 |
| Memoranda: | ||
| Average total assets | $148,980,500 | 3,517 |
| Average earning assets | $136,636,000 | 3,526 |
| Average equity | $15,334,750 | 3,712 |
| Average total loans | $89,104,500 | 3,576 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 4,965 |
| Cost of funding earning assets | 0.3472% | 3,613 |
| Net interest margin | 3.0576% | 4,778 |
| Noninterest income to average assets | 0.3859% | 3,783 |
| Noninterest expense to average assets | 2.9466% | 2,276 |
| Loan and lease loss provision to assets | -0.0496% | 5,603 |
| Net operating income to assets | 0.2144% | 5,376 |
| Return on assets (ROA) | 0.2144% | 5,390 |
| Pretax return on assets | 0.3095% | 5,323 |
| Return on Equity (ROE) | 2.0985% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.0985% | 4,413 |
| Net charge-offs to loans | -0.0856% | 5,367 |
| Credit loss provision to net charge-offs | 97.3684% | 2,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8930% | 366 |
| Assets per employee ($millions) | 4.2096% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 4,298 |
| Loan loss allowance to noncurrent loans | 31.6497% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 617 |
| Noncurrent loans to loans | 3.0792% | 413 |
| Net loans and leases to total assets | 58.3997% | 3,986 |
| Net loans and leases to deposits | 65.0212% | 4,300 |
| Net loans and leases to core deposits | 65.0212% | 4,535 |
| Total domestic deposits to total assets | 89.8164% | 597 |
| Equity capital to assets | 10.1407% | 3,751 |
| Core capital (leverage) ratio | 9.8685% | 3,694 |
| Tier 1 risk-based capital ratio | 20.1197% | 1,347 |
| Total risk-based capital ratio | 21.2577% | 1,334 |
| Memoranda: | ||
| Average total assets | $149,256,000 | 3,531 |
| Average earning assets | $137,690,330 | 3,527 |
| Average equity | $15,249,000 | 3,727 |
| Average total loans | $88,805,330 | 3,602 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 4,865 |
| Cost of funding earning assets | 0.3017% | 4,024 |
| Net interest margin | 3.1343% | 4,550 |
| Noninterest income to average assets | 0.3349% | 4,163 |
| Noninterest expense to average assets | 2.6413% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3808% | 5,004 |
| Return on assets (ROA) | 0.3808% | 5,026 |
| Pretax return on assets | 0.5833% | 4,768 |
| Return on Equity (ROE) | 3.7131% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.7131% | 3,585 |
| Net charge-offs to loans | -0.0045% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9095% | 1,171 |
| Assets per employee ($millions) | 4.0779% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 4,385 |
| Loan loss allowance to noncurrent loans | 31.2276% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.2506% | 551 |
| Noncurrent loans to loans | 3.1434% | 417 |
| Net loans and leases to total assets | 59.7801% | 3,810 |
| Net loans and leases to deposits | 66.8299% | 4,104 |
| Net loans and leases to core deposits | 66.8299% | 4,375 |
| Total domestic deposits to total assets | 89.4512% | 921 |
| Equity capital to assets | 10.4160% | 3,274 |
| Core capital (leverage) ratio | 10.3727% | 3,032 |
| Tier 1 risk-based capital ratio | 20.2964% | 1,333 |
| Total risk-based capital ratio | 21.4444% | 1,325 |
| Memoranda: | ||
| Average total assets | $148,110,500 | 3,581 |
| Average earning assets | $136,554,500 | 3,583 |
| Average equity | $15,189,500 | 3,760 |
| Average total loans | $88,521,000 | 3,631 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 4,955 |
| Cost of funding earning assets | 0.2693% | 4,374 |
| Net interest margin | 3.1422% | 4,611 |
| Noninterest income to average assets | 0.3998% | 3,886 |
| Noninterest expense to average assets | 2.7102% | 3,315 |
| Loan and lease loss provision to assets | 0.0458% | 3,470 |
| Net operating income to assets | 0.3614% | 5,052 |
| Return on assets (ROA) | 0.3614% | 5,138 |
| Pretax return on assets | 0.5542% | 4,914 |
| Return on Equity (ROE) | 3.5735% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.5735% | 3,384 |
| Net charge-offs to loans | 0.0274% | 3,485 |
| Credit loss provision to net charge-offs | 283.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 37.0833% | 1,244 |
| Efficiency ratio | 81.8737% | 1,214 |
| Assets per employee ($millions) | 4.1505% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,423 |
| Loan loss allowance to noncurrent loans | 27.9062% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 2.4308% | 502 |
| Noncurrent loans to loans | 3.5221% | 340 |
| Net loans and leases to total assets | 58.5900% | 4,011 |
| Net loans and leases to deposits | 65.2617% | 4,311 |
| Net loans and leases to core deposits | 65.2617% | 4,563 |
| Total domestic deposits to total assets | 89.7770% | 736 |
| Equity capital to assets | 10.0978% | 3,608 |
| Core capital (leverage) ratio | 9.9503% | 3,551 |
| Tier 1 risk-based capital ratio | 19.9730% | 1,379 |
| Total risk-based capital ratio | 21.1119% | 1,370 |
| Memoranda: | ||
| Average total assets | $148,326,600 | 3,549 |
| Average earning assets | $137,385,800 | 3,529 |
| Average equity | $14,999,400 | 3,809 |
| Average total loans | $87,576,800 | 3,627 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 4,975 |
| Cost of funding earning assets | 0.2623% | 4,477 |
| Net interest margin | 3.1616% | 4,599 |
| Noninterest income to average assets | 0.4161% | 3,812 |
| Noninterest expense to average assets | 2.7026% | 3,339 |
| Loan and lease loss provision to assets | 0.0612% | 3,014 |
| Net operating income to assets | 0.3818% | 5,085 |
| Return on assets (ROA) | 0.3818% | 5,169 |
| Pretax return on assets | 0.5836% | 4,918 |
| Return on Equity (ROE) | 3.7745% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.7745% | 3,623 |
| Net charge-offs to loans | 0.0366% | 2,896 |
| Credit loss provision to net charge-offs | 283.3333% | 1,089 |
| Earnings coverage of net charge-offs (x) | 29.8325% | 1,494 |
| Efficiency ratio | 80.7372% | 1,336 |
| Assets per employee ($millions) | 4.0906% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 4,500 |
| Loan loss allowance to noncurrent loans | 25.3353% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.5995% | 515 |
| Noncurrent loans to loans | 3.8816% | 294 |
| Net loans and leases to total assets | 59.4167% | 3,951 |
| Net loans and leases to deposits | 66.6228% | 4,287 |
| Net loans and leases to core deposits | 66.6228% | 4,564 |
| Total domestic deposits to total assets | 89.1838% | 808 |
| Equity capital to assets | 10.2940% | 3,813 |
| Core capital (leverage) ratio | 10.1936% | 3,336 |
| Tier 1 risk-based capital ratio | 20.0331% | 1,442 |
| Total risk-based capital ratio | 21.1846% | 1,422 |
| Memoranda: | ||
| Average total assets | $148,053,750 | 3,573 |
| Average earning assets | $137,268,250 | 3,553 |
| Average equity | $14,977,250 | 3,840 |
| Average total loans | $87,367,750 | 3,646 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 5,043 |
| Cost of funding earning assets | 0.2619% | 4,530 |
| Net interest margin | 3.1545% | 4,679 |
| Noninterest income to average assets | 0.3358% | 4,382 |
| Noninterest expense to average assets | 2.6591% | 3,523 |
| Loan and lease loss provision to assets | 0.0512% | 3,121 |
| Net operating income to assets | 0.3573% | 5,161 |
| Return on assets (ROA) | 0.3573% | 5,250 |
| Pretax return on assets | 0.5488% | 5,027 |
| Return on Equity (ROE) | 3.5531% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.5531% | 3,631 |
| Net charge-offs to loans | -0.0138% | 4,801 |
| Credit loss provision to net charge-offs | -633.3333% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5887% | 1,320 |
| Assets per employee ($millions) | 4.1926% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 4,532 |
| Loan loss allowance to noncurrent loans | 25.8323% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.5124% | 549 |
| Noncurrent loans to loans | 3.8691% | 321 |
| Net loans and leases to total assets | 57.0299% | 4,210 |
| Net loans and leases to deposits | 63.6546% | 4,515 |
| Net loans and leases to core deposits | 63.6546% | 4,769 |
| Total domestic deposits to total assets | 89.5927% | 641 |
| Equity capital to assets | 10.0184% | 4,205 |
| Core capital (leverage) ratio | 9.6437% | 4,006 |
| Tier 1 risk-based capital ratio | 20.4923% | 1,349 |
| Total risk-based capital ratio | 21.6819% | 1,338 |
| Memoranda: | ||
| Average total assets | $148,318,330 | 3,583 |
| Average earning assets | $137,453,000 | 3,573 |
| Average equity | $14,916,670 | 3,872 |
| Average total loans | $87,035,000 | 3,667 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 5,035 |
| Cost of funding earning assets | 0.2440% | 4,763 |
| Net interest margin | 3.1921% | 4,609 |
| Noninterest income to average assets | 0.3347% | 4,336 |
| Noninterest expense to average assets | 2.5903% | 3,776 |
| Loan and lease loss provision to assets | 0.0816% | 2,320 |
| Net operating income to assets | 0.4027% | 4,991 |
| Return on assets (ROA) | 0.4027% | 5,067 |
| Pretax return on assets | 0.6176% | 4,766 |
| Return on Equity (ROE) | 3.9961% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.9961% | 3,493 |
| Net charge-offs to loans | -0.0643% | 5,458 |
| Credit loss provision to net charge-offs | -214.2857% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7428% | 1,793 |
| Assets per employee ($millions) | 4.0366% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,568 |
| Loan loss allowance to noncurrent loans | 21.0667% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 3.1125% | 394 |
| Noncurrent loans to loans | 4.7764% | 217 |
| Net loans and leases to total assets | 58.8324% | 3,945 |
| Net loans and leases to deposits | 65.7444% | 4,280 |
| Net loans and leases to core deposits | 65.7444% | 4,549 |
| Total domestic deposits to total assets | 89.4865% | 843 |
| Equity capital to assets | 10.2699% | 3,774 |
| Core capital (leverage) ratio | 10.1530% | 3,364 |
| Tier 1 risk-based capital ratio | 20.2413% | 1,450 |
| Total risk-based capital ratio | 21.4259% | 1,440 |
| Memoranda: | ||
| Average total assets | $147,011,000 | 3,621 |
| Average earning assets | $136,084,000 | 3,617 |
| Average equity | $14,814,500 | 3,890 |
| Average total loans | $87,079,500 | 3,679 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 5,073 |
| Cost of funding earning assets | 0.2292% | 5,015 |
| Net interest margin | 3.2100% | 4,593 |
| Noninterest income to average assets | 0.3858% | 4,152 |
| Noninterest expense to average assets | 2.6071% | 3,895 |
| Loan and lease loss provision to assets | 0.1825% | 1,235 |
| Net operating income to assets | 0.3658% | 5,156 |
| Return on assets (ROA) | 0.3658% | 5,245 |
| Pretax return on assets | 0.5650% | 4,946 |
| Return on Equity (ROE) | 3.7779% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.7779% | 3,353 |
| Net charge-offs to loans | 0.1623% | 1,745 |
| Credit loss provision to net charge-offs | 192.2535% | 1,440 |
| Earnings coverage of net charge-offs (x) | 7.8732% | 3,028 |
| Efficiency ratio | 77.7158% | 2,009 |
| Assets per employee ($millions) | 4.1307% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 4,917 |
| Loan loss allowance to noncurrent loans | 18.3293% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 3.2945% | 378 |
| Noncurrent loans to loans | 5.1267% | 181 |
| Net loans and leases to total assets | 58.4860% | 4,019 |
| Net loans and leases to deposits | 65.1854% | 4,381 |
| Net loans and leases to core deposits | 65.1854% | 4,654 |
| Total domestic deposits to total assets | 89.7225% | 744 |
| Equity capital to assets | 9.8888% | 4,086 |
| Core capital (leverage) ratio | 9.8227% | 3,743 |
| Tier 1 risk-based capital ratio | 19.5729% | 1,571 |
| Total risk-based capital ratio | 20.6712% | 1,568 |
| Memoranda: | ||
| Average total assets | $149,555,200 | 3,574 |
| Average earning assets | $138,316,000 | 3,559 |
| Average equity | $14,479,000 | 3,912 |
| Average total loans | $87,475,600 | 3,640 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 5,079 |
| Cost of funding earning assets | 0.2282% | 5,111 |
| Net interest margin | 3.2322% | 4,569 |
| Noninterest income to average assets | 0.3828% | 4,200 |
| Noninterest expense to average assets | 2.6093% | 3,844 |
| Loan and lease loss provision to assets | 0.1202% | 1,892 |
| Net operating income to assets | 0.4131% | 5,116 |
| Return on assets (ROA) | 0.4131% | 5,204 |
| Pretax return on assets | 0.6419% | 4,859 |
| Return on Equity (ROE) | 4.2895% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.2895% | 3,416 |
| Net charge-offs to loans | 0.1114% | 2,017 |
| Credit loss provision to net charge-offs | 184.9315% | 1,434 |
| Earnings coverage of net charge-offs (x) | 11.7261% | 2,464 |
| Efficiency ratio | 77.3964% | 2,035 |
| Assets per employee ($millions) | 3.9770% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 5,321 |
| Loan loss allowance to noncurrent loans | 18.3986% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 3.2772% | 422 |
| Noncurrent loans to loans | 4.6863% | 232 |
| Net loans and leases to total assets | 60.7144% | 3,773 |
| Net loans and leases to deposits | 67.8743% | 4,201 |
| Net loans and leases to core deposits | 67.8743% | 4,551 |
| Total domestic deposits to total assets | 89.4511% | 796 |
| Equity capital to assets | 10.2723% | 3,848 |
| Core capital (leverage) ratio | 9.9284% | 3,731 |
| Tier 1 risk-based capital ratio | 19.7237% | 1,615 |
| Total risk-based capital ratio | 20.7437% | 1,634 |
| Memoranda: | ||
| Average total assets | $149,768,000 | 3,603 |
| Average earning assets | $138,476,000 | 3,595 |
| Average equity | $14,422,500 | 3,963 |
| Average total loans | $87,395,500 | 3,684 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4348% | 5,146 |
| Cost of funding earning assets | 0.2303% | 5,141 |
| Net interest margin | 3.2045% | 4,650 |
| Noninterest income to average assets | 0.3725% | 4,278 |
| Noninterest expense to average assets | 2.6809% | 3,650 |
| Loan and lease loss provision to assets | 0.0790% | 2,533 |
| Net operating income to assets | 0.3738% | 5,221 |
| Return on assets (ROA) | 0.3738% | 5,336 |
| Pretax return on assets | 0.5791% | 5,028 |
| Return on Equity (ROE) | 3.9644% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.9644% | 3,489 |
| Net charge-offs to loans | 0.0298% | 3,070 |
| Credit loss provision to net charge-offs | 461.5385% | 665 |
| Earnings coverage of net charge-offs (x) | 38.4615% | 1,159 |
| Efficiency ratio | 80.2917% | 1,717 |
| Assets per employee ($millions) | 4.2270% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 5,484 |
| Loan loss allowance to noncurrent loans | 14.0877% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 3.6360% | 381 |
| Noncurrent loans to loans | 5.9969% | 158 |
| Net loans and leases to total assets | 57.2283% | 4,192 |
| Net loans and leases to deposits | 63.5432% | 4,572 |
| Net loans and leases to core deposits | 63.5432% | 4,842 |
| Total domestic deposits to total assets | 90.0620% | 634 |
| Equity capital to assets | 9.5168% | 4,630 |
| Core capital (leverage) ratio | 9.2469% | 4,625 |
| Tier 1 risk-based capital ratio | 18.4273% | 1,937 |
| Total risk-based capital ratio | 19.3744% | 1,990 |
| Memoranda: | ||
| Average total assets | $151,966,670 | 3,600 |
| Average earning assets | $140,676,330 | 3,589 |
| Average equity | $14,327,670 | 3,993 |
| Average total loans | $87,300,000 | 3,706 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 5,138 |
| Cost of funding earning assets | 0.2248% | 5,272 |
| Net interest margin | 3.2073% | 4,587 |
| Noninterest income to average assets | 0.3161% | 4,660 |
| Noninterest expense to average assets | 2.7024% | 3,579 |
| Loan and lease loss provision to assets | 0.1185% | 1,746 |
| Net operating income to assets | 0.3055% | 5,393 |
| Return on assets (ROA) | 0.3055% | 5,496 |
| Pretax return on assets | 0.4636% | 5,279 |
| Return on Equity (ROE) | 3.2560% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.2560% | 4,034 |
| Net charge-offs to loans | 0.1287% | 1,481 |
| Credit loss provision to net charge-offs | 160.7143% | 1,201 |
| Earnings coverage of net charge-offs (x) | 7.8929% | 2,126 |
| Efficiency ratio | 82.2775% | 1,581 |
| Assets per employee ($millions) | 4.1699% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 5,671 |
| Loan loss allowance to noncurrent loans | 12.1647% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 4.0762% | 370 |
| Noncurrent loans to loans | 6.6786% | 142 |
| Net loans and leases to total assets | 57.9063% | 3,955 |
| Net loans and leases to deposits | 64.1478% | 4,356 |
| Net loans and leases to core deposits | 64.6247% | 4,644 |
| Total domestic deposits to total assets | 90.2701% | 622 |
| Equity capital to assets | 9.5627% | 4,678 |
| Core capital (leverage) ratio | 9.3792% | 4,461 |
| Tier 1 risk-based capital ratio | 19.1108% | 1,838 |
| Total risk-based capital ratio | 20.0646% | 1,876 |
| Memoranda: | ||
| Average total assets | $151,863,500 | 3,626 |
| Average earning assets | $140,555,000 | 3,615 |
| Average equity | $14,250,500 | 4,033 |
| Average total loans | $87,036,000 | 3,724 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0675% | 5,994 |
| Cost of funding earning assets | 0.3096% | 4,691 |
| Net interest margin | 2.7578% | 5,865 |
| Noninterest income to average assets | 0.4948% | 3,553 |
| Noninterest expense to average assets | 2.5044% | 4,533 |
| Loan and lease loss provision to assets | 0.0890% | 2,693 |
| Net operating income to assets | 0.3200% | 5,468 |
| Return on assets (ROA) | 0.3200% | 5,540 |
| Pretax return on assets | 0.4872% | 5,283 |
| Return on Equity (ROE) | 3.6552% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.6552% | 3,620 |
| Net charge-offs to loans | 0.1281% | 2,742 |
| Credit loss provision to net charge-offs | 128.1818% | 1,865 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,902 |
| Efficiency ratio | 81.2948% | 1,735 |
| Assets per employee ($millions) | 4.3889% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 5,764 |
| Loan loss allowance to noncurrent loans | 8.0356% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 5.8036% | 204 |
| Noncurrent loans to loans | 10.0065% | 68 |
| Net loans and leases to total assets | 55.8153% | 4,361 |
| Net loans and leases to deposits | 61.9546% | 4,729 |
| Net loans and leases to core deposits | 62.4056% | 4,968 |
| Total domestic deposits to total assets | 90.0906% | 696 |
| Equity capital to assets | 9.2089% | 5,063 |
| Core capital (leverage) ratio | 9.1402% | 4,767 |
| Tier 1 risk-based capital ratio | 21.5257% | 1,309 |
| Total risk-based capital ratio | 22.5920% | 1,311 |
| Memoranda: | ||
| Average total assets | $158,440,800 | 3,510 |
| Average earning assets | $148,558,400 | 3,470 |
| Average equity | $13,870,800 | 4,049 |
| Average total loans | $85,898,200 | 3,717 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0311% | 6,104 |
| Cost of funding earning assets | 0.3260% | 4,602 |
| Net interest margin | 2.7051% | 5,998 |
| Noninterest income to average assets | 0.4844% | 3,656 |
| Noninterest expense to average assets | 2.4261% | 4,741 |
| Loan and lease loss provision to assets | 0.1178% | 2,101 |
| Net operating income to assets | 0.3165% | 5,535 |
| Return on assets (ROA) | 0.3165% | 5,610 |
| Pretax return on assets | 0.4836% | 5,369 |
| Return on Equity (ROE) | 3.6612% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.6612% | 4,039 |
| Net charge-offs to loans | 0.1726% | 2,072 |
| Credit loss provision to net charge-offs | 127.0270% | 1,817 |
| Earnings coverage of net charge-offs (x) | 6.4864% | 3,078 |
| Efficiency ratio | 80.1379% | 1,895 |
| Assets per employee ($millions) | 4.7844% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8095% | 5,853 |
| Loan loss allowance to noncurrent loans | 8.7246% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 5.2139% | 312 |
| Noncurrent loans to loans | 9.2784% | 91 |
| Net loans and leases to total assets | 53.9380% | 4,583 |
| Net loans and leases to deposits | 59.4066% | 4,994 |
| Net loans and leases to core deposits | 59.8240% | 5,203 |
| Total domestic deposits to total assets | 90.7946% | 419 |
| Equity capital to assets | 8.8634% | 5,498 |
| Core capital (leverage) ratio | 8.8060% | 5,330 |
| Tier 1 risk-based capital ratio | 21.5199% | 1,344 |
| Total risk-based capital ratio | 22.5964% | 1,355 |
| Memoranda: | ||
| Average total assets | $159,648,000 | 3,522 |
| Average earning assets | $150,085,750 | 3,467 |
| Average equity | $13,802,000 | 4,078 |
| Average total loans | $85,764,250 | 3,760 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9789% | 6,203 |
| Cost of funding earning assets | 0.3540% | 4,392 |
| Net interest margin | 2.6249% | 6,143 |
| Noninterest income to average assets | 0.4618% | 3,775 |
| Noninterest expense to average assets | 2.4451% | 4,754 |
| Loan and lease loss provision to assets | 0.0936% | 2,459 |
| Net operating income to assets | 0.2621% | 5,683 |
| Return on assets (ROA) | 0.2621% | 5,759 |
| Pretax return on assets | 0.3944% | 5,580 |
| Return on Equity (ROE) | 3.0572% | 5,509 |
| Retained earnings to average equity (ytd only) | 3.0572% | 4,258 |
| Net charge-offs to loans | 0.0770% | 2,918 |
| Credit loss provision to net charge-offs | 227.2727% | 1,056 |
| Earnings coverage of net charge-offs (x) | 11.8485% | 2,108 |
| Efficiency ratio | 83.3617% | 1,589 |
| Assets per employee ($millions) | 5.0531% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,928 |
| Loan loss allowance to noncurrent loans | 10.7786% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 4.2278% | 481 |
| Noncurrent loans to loans | 7.6080% | 147 |
| Net loans and leases to total assets | 51.2063% | 4,832 |
| Net loans and leases to deposits | 56.0447% | 5,187 |
| Net loans and leases to core deposits | 56.4150% | 5,383 |
| Total domestic deposits to total assets | 91.3669% | 289 |
| Equity capital to assets | 8.3027% | 5,950 |
| Core capital (leverage) ratio | 8.2303% | 5,905 |
| Tier 1 risk-based capital ratio | 21.3243% | 1,377 |
| Total risk-based capital ratio | 22.4221% | 1,391 |
| Memoranda: | ||
| Average total assets | $160,235,670 | 3,532 |
| Average earning assets | $150,861,000 | 3,471 |
| Average equity | $13,738,000 | 4,096 |
| Average total loans | $85,734,000 | 3,773 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0148% | 6,229 |
| Cost of funding earning assets | 0.3440% | 4,602 |
| Net interest margin | 2.6708% | 6,140 |
| Noninterest income to average assets | 0.4459% | 3,815 |
| Noninterest expense to average assets | 2.4666% | 4,734 |
| Loan and lease loss provision to assets | 0.1147% | 2,041 |
| Net operating income to assets | 0.2523% | 5,655 |
| Return on assets (ROA) | 0.2523% | 5,696 |
| Pretax return on assets | 0.3771% | 5,520 |
| Return on Equity (ROE) | 2.8938% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.8938% | 4,360 |
| Net charge-offs to loans | 0.1683% | 1,708 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 5.3611% | 2,381 |
| Efficiency ratio | 83.3764% | 1,746 |
| Assets per employee ($millions) | 4.7984% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 6,120 |
| Loan loss allowance to noncurrent loans | 11.5398% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 4.0317% | 576 |
| Noncurrent loans to loans | 6.8631% | 229 |
| Net loans and leases to total assets | 53.2394% | 4,522 |
| Net loans and leases to deposits | 58.5080% | 4,890 |
| Net loans and leases to core deposits | 58.9169% | 5,133 |
| Total domestic deposits to total assets | 90.9951% | 569 |
| Equity capital to assets | 8.6734% | 5,464 |
| Core capital (leverage) ratio | 8.5887% | 5,534 |
| Tier 1 risk-based capital ratio | 21.1748% | 1,441 |
| Total risk-based capital ratio | 22.2236% | 1,457 |
| Memoranda: | ||
| Average total assets | $156,977,000 | 3,606 |
| Average earning assets | $147,670,500 | 3,548 |
| Average equity | $13,684,500 | 4,109 |
| Average total loans | $85,554,000 | 3,812 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1192% | 6,222 |
| Cost of funding earning assets | 0.3658% | 4,996 |
| Net interest margin | 2.7534% | 6,058 |
| Noninterest income to average assets | 0.4953% | 3,790 |
| Noninterest expense to average assets | 2.4198% | 5,017 |
| Loan and lease loss provision to assets | 0.0888% | 3,333 |
| Net operating income to assets | 0.3662% | 5,276 |
| Return on assets (ROA) | 0.4011% | 5,256 |
| Pretax return on assets | 0.6594% | 4,670 |
| Return on Equity (ROE) | 4.4607% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.4607% | 3,000 |
| Net charge-offs to loans | 0.0046% | 5,389 |
| Credit loss provision to net charge-offs | 3,300.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 257.7500% | 174 |
| Efficiency ratio | 77.7177% | 2,507 |
| Assets per employee ($millions) | 4.7154% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 6,227 |
| Loan loss allowance to noncurrent loans | 14.2398% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 3.3559% | 899 |
| Noncurrent loans to loans | 5.4219% | 426 |
| Net loans and leases to total assets | 54.9249% | 4,472 |
| Net loans and leases to deposits | 60.4537% | 4,902 |
| Net loans and leases to core deposits | 61.0147% | 5,143 |
| Total domestic deposits to total assets | 90.8545% | 635 |
| Equity capital to assets | 8.7625% | 5,298 |
| Core capital (leverage) ratio | 8.6670% | 5,455 |
| Tier 1 risk-based capital ratio | 20.5617% | 1,523 |
| Total risk-based capital ratio | 21.5766% | 1,545 |
| Memoranda: | ||
| Average total assets | $148,608,800 | 3,730 |
| Average earning assets | $141,316,600 | 3,647 |
| Average equity | $13,361,200 | 4,190 |
| Average total loans | $86,671,800 | 3,766 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 6,281 |
| Cost of funding earning assets | 0.3629% | 5,161 |
| Net interest margin | 2.7690% | 6,064 |
| Noninterest income to average assets | 0.5048% | 3,771 |
| Noninterest expense to average assets | 2.3441% | 5,198 |
| Loan and lease loss provision to assets | 0.0926% | 3,226 |
| Net operating income to assets | 0.4287% | 5,118 |
| Return on assets (ROA) | 0.4630% | 5,108 |
| Pretax return on assets | 0.7608% | 4,455 |
| Return on Equity (ROE) | 5.1154% | 4,664 |
| Retained earnings to average equity (ytd only) | 5.1154% | 2,993 |
| Net charge-offs to loans | 0.0046% | 5,097 |
| Credit loss provision to net charge-offs | 3,400.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 293.6600% | 204 |
| Efficiency ratio | 74.5596% | 2,975 |
| Assets per employee ($millions) | 4.5981% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7327% | 6,401 |
| Loan loss allowance to noncurrent loans | 14.3698% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 3.2774% | 1,077 |
| Noncurrent loans to loans | 5.0987% | 578 |
| Net loans and leases to total assets | 56.7005% | 4,221 |
| Net loans and leases to deposits | 62.5518% | 4,687 |
| Net loans and leases to core deposits | 63.0099% | 5,009 |
| Total domestic deposits to total assets | 90.6456% | 688 |
| Equity capital to assets | 8.9293% | 5,265 |
| Core capital (leverage) ratio | 8.8237% | 5,377 |
| Tier 1 risk-based capital ratio | 17.8674% | 2,367 |
| Total risk-based capital ratio | 18.7158% | 2,490 |
| Memoranda: | ||
| Average total assets | $146,859,250 | 3,798 |
| Average earning assets | $139,976,750 | 3,700 |
| Average equity | $13,292,750 | 4,253 |
| Average total loans | $86,806,750 | 3,793 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 6,308 |
| Cost of funding earning assets | 0.3646% | 5,274 |
| Net interest margin | 2.7652% | 6,072 |
| Noninterest income to average assets | 0.4751% | 3,994 |
| Noninterest expense to average assets | 2.3080% | 5,360 |
| Loan and lease loss provision to assets | 0.0785% | 3,489 |
| Net operating income to assets | 0.4441% | 5,042 |
| Return on assets (ROA) | 0.4820% | 5,052 |
| Pretax return on assets | 0.7905% | 4,349 |
| Return on Equity (ROE) | 5.3001% | 4,565 |
| Retained earnings to average equity (ytd only) | 5.3001% | 2,864 |
| Net charge-offs to loans | 0.0138% | 4,571 |
| Credit loss provision to net charge-offs | 950.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 470 |
| Efficiency ratio | 74.0283% | 3,122 |
| Assets per employee ($millions) | 4.6630% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 6,521 |
| Loan loss allowance to noncurrent loans | 14.6860% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 2.9621% | 1,377 |
| Noncurrent loans to loans | 4.6408% | 743 |
| Net loans and leases to total assets | 55.5898% | 4,357 |
| Net loans and leases to deposits | 61.0964% | 4,849 |
| Net loans and leases to core deposits | 61.5359% | 5,142 |
| Total domestic deposits to total assets | 90.9871% | 547 |
| Equity capital to assets | 8.7010% | 5,547 |
| Core capital (leverage) ratio | 8.6048% | 5,553 |
| Tier 1 risk-based capital ratio | 17.6706% | 2,450 |
| Total risk-based capital ratio | 18.4548% | 2,611 |
| Memoranda: | ||
| Average total assets | $145,233,670 | 3,854 |
| Average earning assets | $138,796,000 | 3,742 |
| Average equity | $13,207,330 | 4,293 |
| Average total loans | $86,852,330 | 3,797 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 6,145 |
| Cost of funding earning assets | 0.3545% | 5,485 |
| Net interest margin | 2.9522% | 5,700 |
| Noninterest income to average assets | 0.4599% | 4,051 |
| Noninterest expense to average assets | 2.4895% | 4,791 |
| Loan and lease loss provision to assets | 0.0341% | 4,017 |
| Net operating income to assets | 0.4182% | 5,054 |
| Return on assets (ROA) | 0.4400% | 5,122 |
| Pretax return on assets | 0.7835% | 4,234 |
| Return on Equity (ROE) | 4.7269% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.7269% | 3,403 |
| Net charge-offs to loans | 0.0505% | 3,324 |
| Credit loss provision to net charge-offs | 109.0909% | 1,704 |
| Earnings coverage of net charge-offs (x) | 25.0909% | 1,058 |
| Efficiency ratio | 76.0624% | 2,913 |
| Assets per employee ($millions) | 4.3086% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 6,679 |
| Loan loss allowance to noncurrent loans | 14.2592% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 3.0418% | 1,467 |
| Noncurrent loans to loans | 4.3586% | 980 |
| Net loans and leases to total assets | 60.3915% | 3,362 |
| Net loans and leases to deposits | 66.7670% | 3,943 |
| Net loans and leases to core deposits | 67.2902% | 4,375 |
| Total domestic deposits to total assets | 90.4511% | 792 |
| Equity capital to assets | 9.2795% | 5,159 |
| Core capital (leverage) ratio | 9.1727% | 4,607 |
| Tier 1 risk-based capital ratio | 18.0622% | 2,335 |
| Total risk-based capital ratio | 18.8068% | 2,505 |
| Memoranda: | ||
| Average total assets | $140,911,000 | 3,965 |
| Average earning assets | $134,275,000 | 3,861 |
| Average equity | $13,116,500 | 4,361 |
| Average total loans | $87,214,500 | 3,806 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 5,982 |
| Cost of funding earning assets | 0.4871% | 5,306 |
| Net interest margin | 3.2470% | 5,437 |
| Noninterest income to average assets | 0.5709% | 3,441 |
| Noninterest expense to average assets | 2.8049% | 4,008 |
| Loan and lease loss provision to assets | 0.0801% | 4,703 |
| Net operating income to assets | 0.4596% | 4,841 |
| Return on assets (ROA) | 0.5183% | 4,878 |
| Pretax return on assets | 0.8474% | 4,119 |
| Return on Equity (ROE) | 5.6525% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.6525% | 2,281 |
| Net charge-offs to loans | 0.1258% | 4,425 |
| Credit loss provision to net charge-offs | 96.5217% | 3,217 |
| Earnings coverage of net charge-offs (x) | 10.0696% | 2,184 |
| Efficiency ratio | 77.0420% | 2,586 |
| Assets per employee ($millions) | 4.2315% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 6,746 |
| Loan loss allowance to noncurrent loans | 45.6170% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 1.2776% | 3,516 |
| Noncurrent loans to loans | 1.3348% | 3,611 |
| Net loans and leases to total assets | 62.6541% | 3,140 |
| Net loans and leases to deposits | 69.4572% | 3,775 |
| Net loans and leases to core deposits | 70.0130% | 4,314 |
| Total domestic deposits to total assets | 90.2054% | 841 |
| Equity capital to assets | 9.3377% | 5,100 |
| Core capital (leverage) ratio | 9.2197% | 4,545 |
| Tier 1 risk-based capital ratio | 18.1226% | 2,216 |
| Total risk-based capital ratio | 18.8781% | 2,371 |
| Memoranda: | ||
| Average total assets | $138,541,400 | 3,974 |
| Average earning assets | $130,982,400 | 3,877 |
| Average equity | $12,702,400 | 4,416 |
| Average total loans | $91,407,400 | 3,711 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7937% | 6,040 |
| Cost of funding earning assets | 0.5272% | 5,263 |
| Net interest margin | 3.2665% | 5,494 |
| Noninterest income to average assets | 0.5728% | 3,454 |
| Noninterest expense to average assets | 2.7126% | 4,311 |
| Loan and lease loss provision to assets | 0.1041% | 4,271 |
| Net operating income to assets | 0.5114% | 4,801 |
| Return on assets (ROA) | 0.5805% | 4,751 |
| Pretax return on assets | 0.9469% | 3,930 |
| Return on Equity (ROE) | 6.3610% | 4,133 |
| Retained earnings to average equity (ytd only) | 6.3610% | 2,449 |
| Net charge-offs to loans | 0.1676% | 3,774 |
| Credit loss provision to net charge-offs | 93.1034% | 3,206 |
| Earnings coverage of net charge-offs (x) | 8.4312% | 2,445 |
| Efficiency ratio | 74.2021% | 2,954 |
| Assets per employee ($millions) | 6.1223% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6035% | 6,862 |
| Loan loss allowance to noncurrent loans | 42.8112% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 3,621 |
| Noncurrent loans to loans | 1.4097% | 3,686 |
| Net loans and leases to total assets | 65.1741% | 2,804 |
| Net loans and leases to deposits | 72.3655% | 3,552 |
| Net loans and leases to core deposits | 72.9670% | 4,127 |
| Total domestic deposits to total assets | 90.0624% | 815 |
| Equity capital to assets | 9.5954% | 5,068 |
| Core capital (leverage) ratio | 9.5954% | 4,123 |
| Tier 1 risk-based capital ratio | 18.3233% | 2,223 |
| Total risk-based capital ratio | 19.0790% | 2,382 |
| Memoranda: | ||
| Average total assets | $138,267,250 | 4,018 |
| Average earning assets | $130,493,750 | 3,926 |
| Average equity | $12,618,250 | 4,475 |
| Average total loans | $92,253,000 | 3,733 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 6,141 |
| Cost of funding earning assets | 0.5664% | 5,177 |
| Net interest margin | 3.2341% | 5,635 |
| Noninterest income to average assets | 0.5177% | 3,802 |
| Noninterest expense to average assets | 2.7019% | 4,414 |
| Loan and lease loss provision to assets | 0.0846% | 4,533 |
| Net operating income to assets | 0.4764% | 4,927 |
| Return on assets (ROA) | 0.5278% | 4,962 |
| Pretax return on assets | 0.8576% | 4,246 |
| Return on Equity (ROE) | 5.8803% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.8803% | 2,775 |
| Net charge-offs to loans | 0.0983% | 4,187 |
| Credit loss provision to net charge-offs | 128.2609% | 2,148 |
| Earnings coverage of net charge-offs (x) | 13.0652% | 1,824 |
| Efficiency ratio | 75.8149% | 2,770 |
| Assets per employee ($millions) | 5.9975% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 6,928 |
| Loan loss allowance to noncurrent loans | 29.8113% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 3,054 |
| Noncurrent loans to loans | 2.0267% | 2,915 |
| Net loans and leases to total assets | 65.9519% | 2,677 |
| Net loans and leases to deposits | 73.2001% | 3,428 |
| Net loans and leases to core deposits | 73.7938% | 4,062 |
| Total domestic deposits to total assets | 90.0981% | 873 |
| Equity capital to assets | 9.1987% | 5,464 |
| Core capital (leverage) ratio | 9.1987% | 4,614 |
| Tier 1 risk-based capital ratio | 17.4027% | 2,510 |
| Total risk-based capital ratio | 18.1611% | 2,669 |
| Memoranda: | ||
| Average total assets | $139,459,670 | 4,023 |
| Average earning assets | $131,348,330 | 3,931 |
| Average equity | $12,516,330 | 4,495 |
| Average total loans | $93,565,330 | 3,721 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 6,112 |
| Cost of funding earning assets | 0.6576% | 4,661 |
| Net interest margin | 3.2032% | 5,773 |
| Noninterest income to average assets | 0.5335% | 3,677 |
| Noninterest expense to average assets | 2.5218% | 5,082 |
| Loan and lease loss provision to assets | 0.1284% | 3,738 |
| Net operating income to assets | 0.5456% | 4,617 |
| Return on assets (ROA) | 0.6076% | 4,522 |
| Pretax return on assets | 0.9956% | 3,692 |
| Return on Equity (ROE) | 6.8544% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.8544% | 2,502 |
| Net charge-offs to loans | 0.2326% | 2,761 |
| Credit loss provision to net charge-offs | 81.8182% | 2,696 |
| Earnings coverage of net charge-offs (x) | 6.5455% | 2,188 |
| Efficiency ratio | 71.0611% | 3,608 |
| Assets per employee ($millions) | 6.5159% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5693% | 7,011 |
| Loan loss allowance to noncurrent loans | 48.8500% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 4,003 |
| Noncurrent loans to loans | 1.1654% | 4,380 |
| Net loans and leases to total assets | 67.7746% | 2,154 |
| Net loans and leases to deposits | 75.0569% | 2,963 |
| Net loans and leases to core deposits | 75.6693% | 3,657 |
| Total domestic deposits to total assets | 90.2977% | 916 |
| Equity capital to assets | 9.1645% | 5,277 |
| Core capital (leverage) ratio | 9.1645% | 4,581 |
| Tier 1 risk-based capital ratio | 17.1176% | 2,641 |
| Total risk-based capital ratio | 17.8411% | 2,828 |
| Memoranda: | ||
| Average total assets | $140,218,000 | 4,028 |
| Average earning assets | $131,992,000 | 3,941 |
| Average equity | $12,430,000 | 4,521 |
| Average total loans | $94,583,500 | 3,716 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 6,029 |
| Cost of funding earning assets | 0.8068% | 4,819 |
| Net interest margin | 3.4011% | 5,476 |
| Noninterest income to average assets | 0.5763% | 3,320 |
| Noninterest expense to average assets | 2.7671% | 4,487 |
| Loan and lease loss provision to assets | 0.1831% | 4,359 |
| Net operating income to assets | 0.5036% | 4,412 |
| Return on assets (ROA) | 0.5317% | 4,496 |
| Pretax return on assets | 0.8718% | 3,704 |
| Return on Equity (ROE) | 5.7619% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.7619% | 2,145 |
| Net charge-offs to loans | 0.0895% | 5,443 |
| Credit loss provision to net charge-offs | 283.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 15.6429% | 1,382 |
| Efficiency ratio | 73.2383% | 3,352 |
| Assets per employee ($millions) | 8.4472% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5641% | 7,048 |
| Loan loss allowance to noncurrent loans | 44.2717% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 4,494 |
| Noncurrent loans to loans | 1.2743% | 4,242 |
| Net loans and leases to total assets | 66.4032% | 2,709 |
| Net loans and leases to deposits | 73.0935% | 3,648 |
| Net loans and leases to core deposits | 73.6592% | 4,289 |
| Total domestic deposits to total assets | 90.8470% | 565 |
| Equity capital to assets | 8.5792% | 6,042 |
| Core capital (leverage) ratio | 8.4856% | 5,585 |
| Tier 1 risk-based capital ratio | 15.2850% | 3,459 |
| Total risk-based capital ratio | 15.9643% | 3,796 |
| Memoranda: | ||
| Average total assets | $129,957,400 | 4,169 |
| Average earning assets | $122,341,400 | 4,085 |
| Average equity | $11,992,600 | 4,554 |
| Average total loans | $93,901,200 | 3,768 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 5,894 |
| Cost of funding earning assets | 0.8509% | 4,766 |
| Net interest margin | 3.4654% | 5,331 |
| Noninterest income to average assets | 0.5826% | 3,278 |
| Noninterest expense to average assets | 2.7583% | 4,502 |
| Loan and lease loss provision to assets | 0.1981% | 4,044 |
| Net operating income to assets | 0.5375% | 4,373 |
| Return on assets (ROA) | 0.5584% | 4,449 |
| Pretax return on assets | 0.9156% | 3,701 |
| Return on Equity (ROE) | 5.9329% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.9329% | 2,597 |
| Net charge-offs to loans | 0.1228% | 4,810 |
| Credit loss provision to net charge-offs | 218.6047% | 1,306 |
| Earnings coverage of net charge-offs (x) | 11.9307% | 1,761 |
| Efficiency ratio | 71.8441% | 3,581 |
| Assets per employee ($millions) | 7.7683% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 7,118 |
| Loan loss allowance to noncurrent loans | 38.0919% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,320 |
| Noncurrent loans to loans | 1.4870% | 4,066 |
| Net loans and leases to total assets | 67.6684% | 2,545 |
| Net loans and leases to deposits | 74.4670% | 3,591 |
| Net loans and leases to core deposits | 75.0577% | 4,315 |
| Total domestic deposits to total assets | 90.8703% | 484 |
| Equity capital to assets | 8.6978% | 6,090 |
| Core capital (leverage) ratio | 8.5987% | 5,553 |
| Tier 1 risk-based capital ratio | 15.1551% | 3,577 |
| Total risk-based capital ratio | 15.8353% | 3,886 |
| Memoranda: | ||
| Average total assets | $126,546,000 | 4,260 |
| Average earning assets | $118,925,250 | 4,179 |
| Average equity | $11,910,750 | 4,589 |
| Average total loans | $93,402,000 | 3,807 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 5,538 |
| Cost of funding earning assets | 0.8921% | 4,739 |
| Net interest margin | 3.5525% | 4,912 |
| Noninterest income to average assets | 0.6092% | 3,076 |
| Noninterest expense to average assets | 2.7924% | 4,453 |
| Loan and lease loss provision to assets | 0.1949% | 3,983 |
| Net operating income to assets | 0.5771% | 4,170 |
| Return on assets (ROA) | 0.5929% | 4,230 |
| Pretax return on assets | 0.9728% | 3,345 |
| Return on Equity (ROE) | 6.1216% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.1216% | 2,347 |
| Net charge-offs to loans | 0.1875% | 4,034 |
| Credit loss provision to net charge-offs | 136.7816% | 2,232 |
| Earnings coverage of net charge-offs (x) | 8.0230% | 2,134 |
| Efficiency ratio | 70.9530% | 3,939 |
| Assets per employee ($millions) | 6.7595% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5754% | 7,171 |
| Loan loss allowance to noncurrent loans | 34.2657% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 1.4765% | 3,996 |
| Noncurrent loans to loans | 1.6791% | 3,908 |
| Net loans and leases to total assets | 68.8976% | 2,433 |
| Net loans and leases to deposits | 75.9165% | 3,490 |
| Net loans and leases to core deposits | 75.9165% | 4,329 |
| Total domestic deposits to total assets | 90.7544% | 607 |
| Equity capital to assets | 8.8742% | 5,738 |
| Core capital (leverage) ratio | 8.7652% | 5,099 |
| Tier 1 risk-based capital ratio | 15.6913% | 3,133 |
| Total risk-based capital ratio | 16.4059% | 3,380 |
| Memoranda: | ||
| Average total assets | $122,118,330 | 4,386 |
| Average earning assets | $114,343,330 | 4,324 |
| Average equity | $11,827,000 | 4,600 |
| Average total loans | $92,816,330 | 3,865 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 4,130 |
| Cost of funding earning assets | 0.9410% | 4,638 |
| Net interest margin | 3.8422% | 3,405 |
| Noninterest income to average assets | 0.5503% | 3,509 |
| Noninterest expense to average assets | 2.7582% | 4,611 |
| Loan and lease loss provision to assets | 0.1557% | 4,076 |
| Net operating income to assets | 0.7367% | 3,338 |
| Return on assets (ROA) | 0.7544% | 3,316 |
| Pretax return on assets | 1.2389% | 2,235 |
| Return on Equity (ROE) | 7.4263% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.4263% | 1,974 |
| Net charge-offs to loans | 0.1645% | 3,494 |
| Credit loss provision to net charge-offs | 118.4211% | 2,294 |
| Earnings coverage of net charge-offs (x) | 10.3947% | 1,639 |
| Efficiency ratio | 66.8624% | 4,880 |
| Assets per employee ($millions) | 6.1567% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5541% | 7,250 |
| Loan loss allowance to noncurrent loans | 42.4092% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 4,779 |
| Noncurrent loans to loans | 1.3066% | 4,516 |
| Net loans and leases to total assets | 74.9151% | 1,199 |
| Net loans and leases to deposits | 83.2620% | 2,144 |
| Net loans and leases to core deposits | 83.2620% | 3,269 |
| Total domestic deposits to total assets | 89.9751% | 1,163 |
| Equity capital to assets | 9.6253% | 4,284 |
| Core capital (leverage) ratio | 9.5028% | 3,799 |
| Tier 1 risk-based capital ratio | 16.0944% | 2,862 |
| Total risk-based capital ratio | 16.8023% | 3,087 |
| Memoranda: | ||
| Average total assets | $115,583,000 | 4,602 |
| Average earning assets | $107,542,500 | 4,538 |
| Average equity | $11,742,000 | 4,615 |
| Average total loans | $92,384,000 | 3,917 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2536% | 3,343 |
| Cost of funding earning assets | 1.2058% | 4,529 |
| Net interest margin | 4.0478% | 2,811 |
| Noninterest income to average assets | 0.6608% | 3,076 |
| Noninterest expense to average assets | 3.2698% | 2,834 |
| Loan and lease loss provision to assets | 0.1690% | 5,533 |
| Net operating income to assets | 0.6037% | 3,650 |
| Return on assets (ROA) | 0.6685% | 3,494 |
| Pretax return on assets | 1.0963% | 2,589 |
| Return on Equity (ROE) | 6.1905% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.1905% | 1,718 |
| Net charge-offs to loans | 0.1019% | 5,843 |
| Credit loss provision to net charge-offs | 192.3913% | 1,662 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,425 |
| Efficiency ratio | 73.7454% | 3,456 |
| Assets per employee ($millions) | 5.4016% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5510% | 7,318 |
| Loan loss allowance to noncurrent loans | 38.1777% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 1.3403% | 4,335 |
| Noncurrent loans to loans | 1.4434% | 4,319 |
| Net loans and leases to total assets | 84.6981% | 252 |
| Net loans and leases to deposits | 95.5275% | 909 |
| Net loans and leases to core deposits | 95.5275% | 2,069 |
| Total domestic deposits to total assets | 88.6635% | 1,847 |
| Equity capital to assets | 10.7672% | 2,888 |
| Core capital (leverage) ratio | 10.6301% | 2,433 |
| Tier 1 risk-based capital ratio | 16.4121% | 2,563 |
| Total risk-based capital ratio | 17.1378% | 2,760 |
| Memoranda: | ||
| Average total assets | $104,716,000 | 4,859 |
| Average earning assets | $97,608,400 | 4,785 |
| Average equity | $11,307,600 | 4,790 |
| Average total loans | $90,240,800 | 4,045 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3044% | 3,336 |
| Cost of funding earning assets | 1.2524% | 4,559 |
| Net interest margin | 4.0520% | 2,850 |
| Noninterest income to average assets | 0.6404% | 3,182 |
| Noninterest expense to average assets | 3.1700% | 3,027 |
| Loan and lease loss provision to assets | 0.1155% | 5,872 |
| Net operating income to assets | 0.6859% | 3,491 |
| Return on assets (ROA) | 0.7508% | 3,371 |
| Pretax return on assets | 1.2308% | 2,389 |
| Return on Equity (ROE) | 6.9477% | 3,367 |
| Retained earnings to average equity (ytd only) | 6.9477% | 1,883 |
| Net charge-offs to loans | 0.0386% | 6,172 |
| Credit loss provision to net charge-offs | 346.1538% | 915 |
| Earnings coverage of net charge-offs (x) | 37.3031% | 729 |
| Efficiency ratio | 71.8023% | 3,739 |
| Assets per employee ($millions) | 5.2421% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 7,423 |
| Loan loss allowance to noncurrent loans | 41.9105% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2781% | 4,588 |
| Noncurrent loans to loans | 1.2732% | 4,727 |
| Net loans and leases to total assets | 86.5873% | 158 |
| Net loans and leases to deposits | 98.0737% | 790 |
| Net loans and leases to core deposits | 98.0737% | 2,034 |
| Total domestic deposits to total assets | 88.2880% | 1,805 |
| Equity capital to assets | 10.9871% | 2,973 |
| Core capital (leverage) ratio | 10.8557% | 2,366 |
| Tier 1 risk-based capital ratio | 16.6024% | 2,513 |
| Total risk-based capital ratio | 17.3139% | 2,682 |
| Memoranda: | ||
| Average total assets | $103,887,000 | 4,934 |
| Average earning assets | $96,773,000 | 4,868 |
| Average equity | $11,226,500 | 4,870 |
| Average total loans | $89,799,000 | 4,124 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 3,347 |
| Cost of funding earning assets | 1.3432% | 4,233 |
| Net interest margin | 3.9821% | 3,105 |
| Noninterest income to average assets | 0.6083% | 3,277 |
| Noninterest expense to average assets | 3.0453% | 3,534 |
| Loan and lease loss provision to assets | 0.1159% | 5,743 |
| Net operating income to assets | 0.7170% | 3,323 |
| Return on assets (ROA) | 0.7763% | 3,231 |
| Pretax return on assets | 1.2610% | 2,220 |
| Return on Equity (ROE) | 7.2244% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.2244% | 1,744 |
| Net charge-offs to loans | -0.0022% | 7,074 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3390% | 4,122 |
| Assets per employee ($millions) | 5.0137% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5408% | 7,476 |
| Loan loss allowance to noncurrent loans | 41.7098% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 4,488 |
| Noncurrent loans to loans | 1.2965% | 4,789 |
| Net loans and leases to total assets | 88.5913% | 104 |
| Net loans and leases to deposits | 100.6846% | 666 |
| Net loans and leases to core deposits | 100.6846% | 1,949 |
| Total domestic deposits to total assets | 87.9889% | 2,011 |
| Equity capital to assets | 11.3020% | 2,597 |
| Core capital (leverage) ratio | 11.1677% | 2,123 |
| Tier 1 risk-based capital ratio | 16.8455% | 2,342 |
| Total risk-based capital ratio | 17.5731% | 2,491 |
| Memoranda: | ||
| Average total assets | $103,569,000 | 4,976 |
| Average earning assets | $96,784,000 | 4,911 |
| Average equity | $11,129,000 | 4,897 |
| Average total loans | $89,310,000 | 4,166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 3,788 |
| Cost of funding earning assets | 1.3912% | 4,234 |
| Net interest margin | 3.8572% | 3,528 |
| Noninterest income to average assets | 0.5779% | 3,432 |
| Noninterest expense to average assets | 2.9235% | 3,971 |
| Loan and lease loss provision to assets | 0.1141% | 5,472 |
| Net operating income to assets | 0.7013% | 3,438 |
| Return on assets (ROA) | 0.7451% | 3,340 |
| Pretax return on assets | 1.2241% | 2,285 |
| Return on Equity (ROE) | 7.1098% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.1098% | 2,086 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7189% | 4,365 |
| Assets per employee ($millions) | 5.2590% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5035% | 7,585 |
| Loan loss allowance to noncurrent loans | 49.2912% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 5,061 |
| Noncurrent loans to loans | 1.0215% | 5,290 |
| Net loans and leases to total assets | 84.9190% | 299 |
| Net loans and leases to deposits | 99.4367% | 795 |
| Net loans and leases to core deposits | 99.4367% | 2,187 |
| Total domestic deposits to total assets | 85.4001% | 3,465 |
| Equity capital to assets | 10.5791% | 3,166 |
| Core capital (leverage) ratio | 10.4474% | 2,673 |
| Tier 1 risk-based capital ratio | 16.3089% | 2,522 |
| Total risk-based capital ratio | 16.9808% | 2,710 |
| Memoranda: | ||
| Average total assets | $105,216,500 | 5,001 |
| Average earning assets | $98,620,500 | 4,916 |
| Average equity | $11,027,000 | 4,969 |
| Average total loans | $89,306,500 | 4,215 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 6,240 |
| Cost of funding earning assets | 2.1215% | 2,359 |
| Net interest margin | 2.9349% | 6,792 |
| Noninterest income to average assets | 0.7989% | 2,409 |
| Noninterest expense to average assets | 2.6838% | 5,466 |
| Loan and lease loss provision to assets | 0.1102% | 6,544 |
| Net operating income to assets | 0.4763% | 3,830 |
| Return on assets (ROA) | 0.5172% | 3,755 |
| Pretax return on assets | 0.8425% | 3,106 |
| Return on Equity (ROE) | 5.4613% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.4613% | 1,596 |
| Net charge-offs to loans | 0.0297% | 6,833 |
| Credit loss provision to net charge-offs | 459.2593% | 678 |
| Earnings coverage of net charge-offs (x) | 37.0370% | 642 |
| Efficiency ratio | 75.1244% | 3,682 |
| Assets per employee ($millions) | 5.0121% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 7,689 |
| Loan loss allowance to noncurrent loans | 50.8434% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 5,387 |
| Noncurrent loans to loans | 0.9342% | 5,445 |
| Net loans and leases to total assets | 84.0082% | 432 |
| Net loans and leases to deposits | 98.0723% | 1,095 |
| Net loans and leases to core deposits | 106.5467% | 3,267 |
| Total domestic deposits to total assets | 85.6595% | 3,194 |
| Equity capital to assets | 10.3816% | 3,312 |
| Core capital (leverage) ratio | 10.2402% | 2,833 |
| Tier 1 risk-based capital ratio | 15.8677% | 2,584 |
| Total risk-based capital ratio | 16.4900% | 2,788 |
| Memoranda: | ||
| Average total assets | $112,526,400 | 4,768 |
| Average earning assets | $106,342,200 | 4,671 |
| Average equity | $10,656,800 | 5,116 |
| Average total loans | $90,775,800 | 4,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 6,512 |
| Cost of funding earning assets | 2.2762% | 2,083 |
| Net interest margin | 2.7532% | 7,129 |
| Noninterest income to average assets | 0.8326% | 2,277 |
| Noninterest expense to average assets | 2.5699% | 5,823 |
| Loan and lease loss provision to assets | 0.0863% | 6,504 |
| Net operating income to assets | 0.4777% | 4,078 |
| Return on assets (ROA) | 0.5247% | 3,971 |
| Pretax return on assets | 0.8547% | 3,366 |
| Return on Equity (ROE) | 5.6660% | 3,662 |
| Retained earnings to average equity (ytd only) | 5.6660% | 2,120 |
| Net charge-offs to loans | 0.0248% | 6,540 |
| Credit loss provision to net charge-offs | 435.2941% | 913 |
| Earnings coverage of net charge-offs (x) | 43.7574% | 702 |
| Efficiency ratio | 74.7626% | 3,729 |
| Assets per employee ($millions) | 4.7280% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4420% | 7,782 |
| Loan loss allowance to noncurrent loans | 47.3490% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 5,439 |
| Noncurrent loans to loans | 0.9334% | 5,428 |
| Net loans and leases to total assets | 79.5430% | 1,274 |
| Net loans and leases to deposits | 93.4478% | 1,976 |
| Net loans and leases to core deposits | 102.8403% | 4,067 |
| Total domestic deposits to total assets | 85.1202% | 3,164 |
| Equity capital to assets | 9.9278% | 4,177 |
| Core capital (leverage) ratio | 9.7845% | 3,534 |
| Tier 1 risk-based capital ratio | 15.9230% | 2,659 |
| Total risk-based capital ratio | 16.4985% | 2,874 |
| Memoranda: | ||
| Average total assets | $114,344,500 | 4,737 |
| Average earning assets | $108,188,250 | 4,647 |
| Average equity | $10,589,250 | 5,167 |
| Average total loans | $91,258,750 | 4,215 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 6,487 |
| Cost of funding earning assets | 2.4542% | 1,766 |
| Net interest margin | 2.6325% | 7,317 |
| Noninterest income to average assets | 0.9190% | 1,902 |
| Noninterest expense to average assets | 2.4817% | 6,174 |
| Loan and lease loss provision to assets | 0.0688% | 6,513 |
| Net operating income to assets | 0.5248% | 4,000 |
| Return on assets (ROA) | 0.5920% | 3,822 |
| Pretax return on assets | 0.9638% | 3,135 |
| Return on Equity (ROE) | 6.5397% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.5397% | 1,777 |
| Net charge-offs to loans | 0.0259% | 6,118 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 44.9167% | 747 |
| Efficiency ratio | 72.7915% | 4,246 |
| Assets per employee ($millions) | 4.9624% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4065% | 7,897 |
| Loan loss allowance to noncurrent loans | 58.0592% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 6,102 |
| Noncurrent loans to loans | 0.7002% | 5,848 |
| Net loans and leases to total assets | 75.7666% | 2,241 |
| Net loans and leases to deposits | 89.8574% | 2,853 |
| Net loans and leases to core deposits | 99.2471% | 4,578 |
| Total domestic deposits to total assets | 84.3187% | 3,585 |
| Equity capital to assets | 9.3643% | 4,790 |
| Core capital (leverage) ratio | 9.2235% | 4,273 |
| Tier 1 risk-based capital ratio | 15.5998% | 2,768 |
| Total risk-based capital ratio | 16.1237% | 3,009 |
| Memoranda: | ||
| Average total assets | $116,211,000 | 4,725 |
| Average earning assets | $109,933,670 | 4,624 |
| Average equity | $10,520,330 | 5,207 |
| Average total loans | $92,717,330 | 4,215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 6,267 |
| Cost of funding earning assets | 2.6306% | 1,482 |
| Net interest margin | 2.5766% | 7,402 |
| Noninterest income to average assets | 0.9007% | 1,849 |
| Noninterest expense to average assets | 2.3915% | 6,221 |
| Loan and lease loss provision to assets | 0.0512% | 6,323 |
| Net operating income to assets | 0.5489% | 4,221 |
| Return on assets (ROA) | 0.6209% | 4,118 |
| Pretax return on assets | 1.0132% | 3,299 |
| Return on Equity (ROE) | 6.9755% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.9755% | 2,218 |
| Net charge-offs to loans | 0.0125% | 5,434 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 457 |
| Efficiency ratio | 71.5306% | 4,265 |
| Assets per employee ($millions) | 5.1926% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3632% | 7,986 |
| Loan loss allowance to noncurrent loans | 96.0114% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 6,637 |
| Noncurrent loans to loans | 0.3783% | 6,469 |
| Net loans and leases to total assets | 77.3985% | 1,952 |
| Net loans and leases to deposits | 95.1203% | 2,090 |
| Net loans and leases to core deposits | 106.7722% | 3,822 |
| Total domestic deposits to total assets | 81.3690% | 4,806 |
| Equity capital to assets | 8.8152% | 5,597 |
| Core capital (leverage) ratio | 8.7067% | 5,138 |
| Tier 1 risk-based capital ratio | 14.6826% | 3,212 |
| Total risk-based capital ratio | 15.1590% | 3,565 |
| Memoranda: | ||
| Average total assets | $117,248,500 | 4,726 |
| Average earning assets | $111,154,500 | 4,604 |
| Average equity | $10,436,500 | 5,247 |
| Average total loans | $95,661,000 | 4,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7182% | 6,718 |
| Cost of funding earning assets | 2.8482% | 2,485 |
| Net interest margin | 2.8700% | 7,211 |
| Noninterest income to average assets | 0.5184% | 4,481 |
| Noninterest expense to average assets | 2.4045% | 6,372 |
| Loan and lease loss provision to assets | 0.0912% | 6,235 |
| Net operating income to assets | 0.4698% | 4,870 |
| Return on assets (ROA) | 0.4776% | 4,661 |
| Pretax return on assets | 0.7737% | 4,165 |
| Return on Equity (ROE) | 5.4383% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.4383% | 1,791 |
| Net charge-offs to loans | 0.0534% | 6,028 |
| Credit loss provision to net charge-offs | 198.1132% | 2,463 |
| Earnings coverage of net charge-offs (x) | 18.5283% | 1,699 |
| Efficiency ratio | 73.8203% | 3,613 |
| Assets per employee ($millions) | 6.3926% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3298% | 8,061 |
| Loan loss allowance to noncurrent loans | 44.1576% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 5,299 |
| Noncurrent loans to loans | 0.7468% | 5,159 |
| Net loans and leases to total assets | 85.3616% | 677 |
| Net loans and leases to deposits | 104.5515% | 1,285 |
| Net loans and leases to core deposits | 118.8320% | 2,806 |
| Total domestic deposits to total assets | 81.6455% | 4,348 |
| Equity capital to assets | 8.9904% | 5,374 |
| Core capital (leverage) ratio | 8.9350% | 4,840 |
| Tier 1 risk-based capital ratio | 14.0941% | 3,502 |
| Total risk-based capital ratio | 14.5399% | 3,848 |
| Memoranda: | ||
| Average total assets | $115,159,400 | 4,634 |
| Average earning assets | $109,894,000 | 4,517 |
| Average equity | $10,113,400 | 5,372 |
| Average total loans | $99,190,400 | 3,972 |