Home > First Federal Savings Bank of Angola > Performance and Condition Ratios
First Federal Savings Bank of Angola, 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 | 3.1993% | 4,485 |
| Cost of funding earning assets | 0.2374% | 4,426 |
| Net interest margin | 2.9619% | 3,371 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.1958% | 3,143 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7558% | 3,029 |
| Return on assets (ROA) | 0.7585% | 2,991 |
| Pretax return on assets | 0.9691% | 2,752 |
| Return on Equity (ROE) | 3.6400% | 3,939 |
| Retained earnings to average equity (ytd only) | 3.6416% | 3,075 |
| Net charge-offs to loans | 0.0011% | 2,824 |
| Credit loss provision to net charge-offs | 1,100.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 1,391.0000% | 113 |
| Efficiency ratio | 69.2868% | 1,981 |
| Assets per employee ($millions) | 6.2219% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,712 |
| Loan loss allowance to noncurrent loans | 17,000.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,787 |
| Noncurrent loans to loans | 0.0066% | 3,728 |
| Net loans and leases to total assets | 65.6900% | 2,288 |
| Net loans and leases to deposits | 84.4598% | 1,740 |
| Net loans and leases to core deposits | 85.8270% | 2,317 |
| Total domestic deposits to total assets | 77.7800% | 3,757 |
| Equity capital to assets | 22.1104% | 232 |
| Core capital (leverage) ratio | 20.8669% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $142,910,600 | 3,435 |
| Average earning assets | $137,716,000 | 3,369 |
| Average equity | $29,766,800 | 2,269 |
| Average total loans | $88,172,600 | 3,315 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0957% | 4,507 |
| Cost of funding earning assets | 0.2030% | 4,442 |
| Net interest margin | 2.8927% | 3,563 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1908% | 3,106 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6850% | 3,359 |
| Return on assets (ROA) | 0.6850% | 3,343 |
| Pretax return on assets | 0.9085% | 3,082 |
| Return on Equity (ROE) | 3.3400% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.3375% | 3,434 |
| Net charge-offs to loans | 0.0015% | 2,543 |
| Credit loss provision to net charge-offs | 800.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 992.0000% | 161 |
| Efficiency ratio | 70.5201% | 1,732 |
| Assets per employee ($millions) | 6.4060% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 2,631 |
| Loan loss allowance to noncurrent loans | 635.6250% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 2,808 |
| Noncurrent loans to loans | 0.1806% | 2,639 |
| Net loans and leases to total assets | 62.1600% | 2,637 |
| Net loans and leases to deposits | 79.0164% | 2,139 |
| Net loans and leases to core deposits | 80.2433% | 2,580 |
| Total domestic deposits to total assets | 78.6600% | 3,743 |
| Equity capital to assets | 21.2329% | 257 |
| Core capital (leverage) ratio | 20.9994% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,418,000 | 3,422 |
| Average earning assets | $139,241,250 | 3,362 |
| Average equity | $29,642,250 | 2,264 |
| Average total loans | $87,480,500 | 3,328 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 4,540 |
| Cost of funding earning assets | 0.1838% | 4,447 |
| Net interest margin | 2.8618% | 3,710 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.1789% | 3,138 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.6800% | 3,384 |
| Return on assets (ROA) | 0.6800% | 3,386 |
| Pretax return on assets | 0.9026% | 3,157 |
| Return on Equity (ROE) | 3.3500% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.3504% | 3,390 |
| Net charge-offs to loans | 0.0023% | 2,280 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 662.0000% | 220 |
| Efficiency ratio | 70.5516% | 1,714 |
| Assets per employee ($millions) | 6.1305% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,672 |
| Loan loss allowance to noncurrent loans | 1,353.3333% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,246 |
| Noncurrent loans to loans | 0.0855% | 3,078 |
| Net loans and leases to total assets | 61.4700% | 2,628 |
| Net loans and leases to deposits | 77.9593% | 2,136 |
| Net loans and leases to core deposits | 79.1655% | 2,530 |
| Total domestic deposits to total assets | 78.8500% | 3,741 |
| Equity capital to assets | 21.0472% | 251 |
| Core capital (leverage) ratio | 20.3285% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $145,580,000 | 3,422 |
| Average earning assets | $140,399,667 | 3,363 |
| Average equity | $29,548,333 | 2,282 |
| Average total loans | $87,101,667 | 3,331 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0212% | 4,558 |
| Cost of funding earning assets | 0.1597% | 4,440 |
| Net interest margin | 2.8614% | 3,849 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.2128% | 3,069 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6141% | 3,665 |
| Return on assets (ROA) | 0.6141% | 3,620 |
| Pretax return on assets | 0.8169% | 3,431 |
| Return on Equity (ROE) | 3.0800% | 4,177 |
| Retained earnings to average equity (ytd only) | 3.0796% | 3,486 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.8406% | 1,456 |
| Assets per employee ($millions) | 6.3297% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,757 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.1600% | 2,758 |
| Net loans and leases to deposits | 74.2357% | 2,280 |
| Net loans and leases to core deposits | 75.3350% | 2,578 |
| Total domestic deposits to total assets | 79.7000% | 3,806 |
| Equity capital to assets | 20.2008% | 228 |
| Core capital (leverage) ratio | 19.1278% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $147,869,000 | 3,450 |
| Average earning assets | $142,725,500 | 3,378 |
| Average equity | $29,484,000 | 2,311 |
| Average total loans | $86,809,000 | 3,371 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6967% | 4,403 |
| Cost of funding earning assets | 0.1497% | 4,125 |
| Net interest margin | 2.5470% | 4,240 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.0095% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5420% | 4,015 |
| Return on assets (ROA) | 0.5499% | 3,952 |
| Pretax return on assets | 0.7538% | 3,734 |
| Return on Equity (ROE) | 2.8300% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.8331% | 3,765 |
| Net charge-offs to loans | 0.1387% | 583 |
| Credit loss provision to net charge-offs | 5.9829% | 1,966 |
| Earnings coverage of net charge-offs (x) | 9.5983% | 2,221 |
| Efficiency ratio | 72.8613% | 1,343 |
| Assets per employee ($millions) | 6.2565% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 3,971 |
| Loan loss allowance to noncurrent loans | 794.4444% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,205 |
| Noncurrent loans to loans | 0.1041% | 3,028 |
| Net loans and leases to total assets | 57.1100% | 2,907 |
| Net loans and leases to deposits | 71.1850% | 2,471 |
| Net loans and leases to core deposits | 72.4240% | 2,692 |
| Total domestic deposits to total assets | 80.2300% | 3,844 |
| Equity capital to assets | 19.6857% | 233 |
| Core capital (leverage) ratio | 19.0072% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $150,039,200 | 3,442 |
| Average earning assets | $144,954,200 | 3,376 |
| Average equity | $29,120,000 | 2,371 |
| Average total loans | $84,330,400 | 3,351 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6158% | 4,375 |
| Cost of funding earning assets | 0.1435% | 3,906 |
| Net interest margin | 2.4723% | 4,231 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9945% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5156% | 4,043 |
| Return on assets (ROA) | 0.5191% | 3,978 |
| Pretax return on assets | 0.6942% | 3,810 |
| Return on Equity (ROE) | 2.6800% | 4,335 |
| Retained earnings to average equity (ytd only) | 2.6840% | 3,865 |
| Net charge-offs to loans | 0.0191% | 1,458 |
| Credit loss provision to net charge-offs | 33.3333% | 1,590 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,130 |
| Efficiency ratio | 74.2063% | 1,255 |
| Assets per employee ($millions) | 6.5903% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 3,668 |
| Loan loss allowance to noncurrent loans | 195.6835% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 1,848 |
| Noncurrent loans to loans | 0.4885% | 1,581 |
| Net loans and leases to total assets | 55.7700% | 2,922 |
| Net loans and leases to deposits | 69.2165% | 2,437 |
| Net loans and leases to core deposits | 70.8250% | 2,582 |
| Total domestic deposits to total assets | 80.5800% | 4,044 |
| Equity capital to assets | 19.3413% | 234 |
| Core capital (leverage) ratio | 18.5525% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $150,010,250 | 3,466 |
| Average earning assets | $144,963,000 | 3,404 |
| Average equity | $29,010,250 | 2,409 |
| Average total loans | $83,794,750 | 3,368 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5013% | 4,369 |
| Cost of funding earning assets | 0.1467% | 3,620 |
| Net interest margin | 2.3546% | 4,277 |
| Noninterest income to average assets | 0.2984% | 3,378 |
| Noninterest expense to average assets | 1.9747% | 3,499 |
| Loan and lease loss provision to assets | 0.0027% | 2,560 |
| Net operating income to assets | 0.4455% | 4,009 |
| Return on assets (ROA) | 0.4455% | 3,963 |
| Pretax return on assets | 0.5967% | 3,824 |
| Return on Equity (ROE) | 2.3039% | 4,321 |
| Retained earnings to average equity (ytd only) | 2.3039% | 3,665 |
| Net charge-offs to loans | 0.0168% | 1,409 |
| Credit loss provision to net charge-offs | 28.5714% | 1,572 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 1,047 |
| Efficiency ratio | 76.7152% | 1,202 |
| Assets per employee ($millions) | 6.6312% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,683 |
| Loan loss allowance to noncurrent loans | 196.4029% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 1,944 |
| Noncurrent loans to loans | 0.4994% | 1,627 |
| Net loans and leases to total assets | 54.2120% | 2,942 |
| Net loans and leases to deposits | 67.0687% | 2,465 |
| Net loans and leases to core deposits | 68.7650% | 2,586 |
| Total domestic deposits to total assets | 80.8305% | 4,155 |
| Equity capital to assets | 19.0679% | 191 |
| Core capital (leverage) ratio | 19.0627% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,488,000 | 3,505 |
| Average earning assets | $144,484,000 | 3,451 |
| Average equity | $28,908,000 | 2,468 |
| Average total loans | $83,274,000 | 3,408 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4580% | 4,322 |
| Cost of funding earning assets | 0.1734% | 3,177 |
| Net interest margin | 2.2846% | 4,259 |
| Noninterest income to average assets | 0.2974% | 3,337 |
| Noninterest expense to average assets | 1.9706% | 3,504 |
| Loan and lease loss provision to assets | 0.0027% | 2,251 |
| Net operating income to assets | 0.3947% | 3,964 |
| Return on assets (ROA) | 0.3947% | 3,932 |
| Pretax return on assets | 0.5325% | 3,809 |
| Return on Equity (ROE) | 2.0263% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.0263% | 3,531 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6408% | 1,262 |
| Assets per employee ($millions) | 6.5103% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,744 |
| Loan loss allowance to noncurrent loans | 693.2773% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,279 |
| Noncurrent loans to loans | 0.1440% | 3,087 |
| Net loans and leases to total assets | 54.6509% | 2,669 |
| Net loans and leases to deposits | 67.8074% | 2,178 |
| Net loans and leases to core deposits | 69.3386% | 2,347 |
| Total domestic deposits to total assets | 80.5972% | 4,239 |
| Equity capital to assets | 19.2973% | 183 |
| Core capital (leverage) ratio | 19.2974% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,973,000 | 3,532 |
| Average earning assets | $143,043,000 | 3,480 |
| Average equity | $28,821,000 | 2,541 |
| Average total loans | $83,160,000 | 3,416 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6052% | 4,403 |
| Cost of funding earning assets | 0.1816% | 3,642 |
| Net interest margin | 2.4235% | 4,295 |
| Noninterest income to average assets | 0.3261% | 3,456 |
| Noninterest expense to average assets | 1.9963% | 3,689 |
| Loan and lease loss provision to assets | 0.0021% | 3,034 |
| Net operating income to assets | 0.5045% | 4,076 |
| Return on assets (ROA) | 0.5111% | 4,113 |
| Pretax return on assets | 0.6745% | 3,981 |
| Return on Equity (ROE) | 2.5777% | 4,431 |
| Retained earnings to average equity (ytd only) | 2.5777% | 3,806 |
| Net charge-offs to loans | 0.0104% | 2,169 |
| Credit loss provision to net charge-offs | 33.3333% | 2,223 |
| Earnings coverage of net charge-offs (x) | 106.3333% | 852 |
| Efficiency ratio | 74.9214% | 1,219 |
| Assets per employee ($millions) | 6.0921% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.6575% | 2,521 |
| Net loans and leases to deposits | 70.6016% | 2,063 |
| Net loans and leases to core deposits | 72.0201% | 2,261 |
| Total domestic deposits to total assets | 80.2496% | 4,199 |
| Equity capital to assets | 19.6614% | 189 |
| Core capital (leverage) ratio | 19.5085% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,216,800 | 3,554 |
| Average earning assets | $138,186,600 | 3,496 |
| Average equity | $28,397,200 | 2,622 |
| Average total loans | $86,193,600 | 3,391 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 4,465 |
| Cost of funding earning assets | 0.1776% | 3,846 |
| Net interest margin | 2.4646% | 4,332 |
| Noninterest income to average assets | 0.3247% | 3,482 |
| Noninterest expense to average assets | 1.9952% | 3,689 |
| Loan and lease loss provision to assets | 0.0021% | 2,932 |
| Net operating income to assets | 0.5316% | 4,141 |
| Return on assets (ROA) | 0.5316% | 4,187 |
| Pretax return on assets | 0.7047% | 4,061 |
| Return on Equity (ROE) | 2.6751% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.6751% | 4,010 |
| Net charge-offs to loans | 0.0061% | 2,093 |
| Credit loss provision to net charge-offs | 50.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 188.7500% | 578 |
| Efficiency ratio | 73.8483% | 1,226 |
| Assets per employee ($millions) | 6.3117% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,917 |
| Loan loss allowance to noncurrent loans | 307.0370% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 2,872 |
| Noncurrent loans to loans | 0.3189% | 2,634 |
| Net loans and leases to total assets | 57.7531% | 2,526 |
| Net loans and leases to deposits | 72.0180% | 2,052 |
| Net loans and leases to core deposits | 73.9112% | 2,250 |
| Total domestic deposits to total assets | 80.1926% | 4,203 |
| Equity capital to assets | 19.6910% | 208 |
| Core capital (leverage) ratio | 19.7932% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,468,500 | 3,598 |
| Average earning assets | $137,408,250 | 3,538 |
| Average equity | $28,309,750 | 2,657 |
| Average total loans | $86,826,250 | 3,428 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6929% | 4,466 |
| Cost of funding earning assets | 0.1890% | 3,861 |
| Net interest margin | 2.5039% | 4,296 |
| Noninterest income to average assets | 0.3150% | 3,539 |
| Noninterest expense to average assets | 2.0259% | 3,617 |
| Loan and lease loss provision to assets | 0.0028% | 2,822 |
| Net operating income to assets | 0.5255% | 4,168 |
| Return on assets (ROA) | 0.5255% | 4,212 |
| Pretax return on assets | 0.7007% | 4,063 |
| Return on Equity (ROE) | 2.6366% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.6366% | 3,961 |
| Net charge-offs to loans | 0.0091% | 1,799 |
| Credit loss provision to net charge-offs | 50.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 124.5000% | 658 |
| Efficiency ratio | 74.2236% | 1,230 |
| Assets per employee ($millions) | 6.1616% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 3,907 |
| Loan loss allowance to noncurrent loans | 278.7879% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,895 |
| Noncurrent loans to loans | 0.3494% | 2,654 |
| Net loans and leases to total assets | 59.3906% | 2,496 |
| Net loans and leases to deposits | 74.4009% | 1,966 |
| Net loans and leases to core deposits | 76.4145% | 2,197 |
| Total domestic deposits to total assets | 79.8251% | 4,253 |
| Equity capital to assets | 20.0408% | 186 |
| Core capital (leverage) ratio | 19.5774% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,568,667 | 3,614 |
| Average earning assets | $136,505,000 | 3,555 |
| Average equity | $28,218,000 | 2,656 |
| Average total loans | $87,545,667 | 3,433 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7282% | 4,449 |
| Cost of funding earning assets | 0.2081% | 3,842 |
| Net interest margin | 2.5201% | 4,266 |
| Noninterest income to average assets | 0.3110% | 3,542 |
| Noninterest expense to average assets | 2.0071% | 3,693 |
| Loan and lease loss provision to assets | 0.0028% | 2,711 |
| Net operating income to assets | 0.5513% | 4,070 |
| Return on assets (ROA) | 0.5513% | 4,112 |
| Pretax return on assets | 0.7322% | 3,954 |
| Return on Equity (ROE) | 2.7732% | 4,513 |
| Retained earnings to average equity (ytd only) | 2.7732% | 3,848 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1959% | 1,382 |
| Assets per employee ($millions) | 6.4720% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,035 |
| Loan loss allowance to noncurrent loans | 304.7619% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,212 |
| Noncurrent loans to loans | 0.3101% | 2,992 |
| Net loans and leases to total assets | 61.2515% | 2,371 |
| Net loans and leases to deposits | 76.5201% | 1,849 |
| Net loans and leases to core deposits | 78.5745% | 2,132 |
| Total domestic deposits to total assets | 80.0464% | 4,196 |
| Equity capital to assets | 19.8223% | 190 |
| Core capital (leverage) ratio | 19.8645% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,495,000 | 3,621 |
| Average earning assets | $136,502,500 | 3,556 |
| Average equity | $28,126,500 | 2,661 |
| Average total loans | $88,821,500 | 3,428 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 4,429 |
| Cost of funding earning assets | 0.2763% | 4,268 |
| Net interest margin | 2.9427% | 4,028 |
| Noninterest income to average assets | 0.3647% | 3,287 |
| Noninterest expense to average assets | 2.1933% | 3,679 |
| Loan and lease loss provision to assets | 0.0030% | 4,299 |
| Net operating income to assets | 0.7451% | 3,277 |
| Return on assets (ROA) | 0.7451% | 3,403 |
| Pretax return on assets | 0.9955% | 3,055 |
| Return on Equity (ROE) | 3.5964% | 4,249 |
| Retained earnings to average equity (ytd only) | 3.5964% | 3,039 |
| Net charge-offs to loans | 0.0406% | 2,246 |
| Credit loss provision to net charge-offs | 11.1111% | 3,253 |
| Earnings coverage of net charge-offs (x) | 36.8889% | 1,452 |
| Efficiency ratio | 68.7161% | 2,138 |
| Assets per employee ($millions) | 5.6242% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,106 |
| Loan loss allowance to noncurrent loans | 213.3676% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 2,914 |
| Noncurrent loans to loans | 0.4342% | 2,673 |
| Net loans and leases to total assets | 63.1329% | 2,475 |
| Net loans and leases to deposits | 78.9646% | 1,978 |
| Net loans and leases to core deposits | 81.1133% | 2,265 |
| Total domestic deposits to total assets | 79.9509% | 4,050 |
| Equity capital to assets | 19.9346% | 203 |
| Core capital (leverage) ratio | 20.0159% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,998,200 | 3,591 |
| Average earning assets | $127,772,600 | 3,535 |
| Average equity | $27,555,000 | 2,632 |
| Average total loans | $88,618,800 | 3,423 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 4,447 |
| Cost of funding earning assets | 0.2799% | 4,388 |
| Net interest margin | 3.0415% | 3,882 |
| Noninterest income to average assets | 0.3722% | 3,221 |
| Noninterest expense to average assets | 2.2202% | 3,637 |
| Loan and lease loss provision to assets | 0.0031% | 4,221 |
| Net operating income to assets | 0.7882% | 3,136 |
| Return on assets (ROA) | 0.7882% | 3,252 |
| Pretax return on assets | 1.0669% | 2,858 |
| Return on Equity (ROE) | 3.7662% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.7662% | 3,162 |
| Net charge-offs to loans | 0.0543% | 1,829 |
| Credit loss provision to net charge-offs | 8.3333% | 3,001 |
| Earnings coverage of net charge-offs (x) | 29.2222% | 1,612 |
| Efficiency ratio | 67.4807% | 2,253 |
| Assets per employee ($millions) | 5.4826% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,963 |
| Loan loss allowance to noncurrent loans | 438.6243% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,730 |
| Noncurrent loans to loans | 0.2127% | 3,530 |
| Net loans and leases to total assets | 64.2177% | 2,746 |
| Net loans and leases to deposits | 80.6982% | 2,238 |
| Net loans and leases to core deposits | 83.4906% | 2,525 |
| Total domestic deposits to total assets | 79.5776% | 3,948 |
| Equity capital to assets | 20.2904% | 198 |
| Core capital (leverage) ratio | 19.6908% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,096,500 | 3,601 |
| Average earning assets | $125,766,500 | 3,542 |
| Average equity | $27,436,500 | 2,630 |
| Average total loans | $88,374,000 | 3,446 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 4,506 |
| Cost of funding earning assets | 0.2941% | 4,502 |
| Net interest margin | 3.1392% | 3,812 |
| Noninterest income to average assets | 0.3640% | 3,301 |
| Noninterest expense to average assets | 2.2911% | 3,541 |
| Loan and lease loss provision to assets | 0.0031% | 4,121 |
| Net operating income to assets | 0.8009% | 3,043 |
| Return on assets (ROA) | 0.8009% | 3,158 |
| Pretax return on assets | 1.0797% | 2,777 |
| Return on Equity (ROE) | 3.7859% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.7859% | 3,017 |
| Net charge-offs to loans | 0.0771% | 1,476 |
| Credit loss provision to net charge-offs | 5.8824% | 2,757 |
| Earnings coverage of net charge-offs (x) | 20.5588% | 1,681 |
| Efficiency ratio | 67.9063% | 2,242 |
| Assets per employee ($millions) | 5.2103% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,783 |
| Loan loss allowance to noncurrent loans | 283.2765% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 3,298 |
| Noncurrent loans to loans | 0.3367% | 3,187 |
| Net loans and leases to total assets | 63.6224% | 2,929 |
| Net loans and leases to deposits | 80.0223% | 2,423 |
| Net loans and leases to core deposits | 82.8229% | 2,713 |
| Total domestic deposits to total assets | 79.5059% | 3,939 |
| Equity capital to assets | 20.3406% | 201 |
| Core capital (leverage) ratio | 20.3135% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,107,000 | 3,608 |
| Average earning assets | $123,788,000 | 3,552 |
| Average equity | $27,311,667 | 2,624 |
| Average total loans | $88,215,667 | 3,454 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 4,482 |
| Cost of funding earning assets | 0.3220% | 4,587 |
| Net interest margin | 3.3195% | 3,546 |
| Noninterest income to average assets | 0.3621% | 3,348 |
| Noninterest expense to average assets | 2.2267% | 3,939 |
| Loan and lease loss provision to assets | 0.0032% | 3,696 |
| Net operating income to assets | 0.9720% | 2,275 |
| Return on assets (ROA) | 0.9720% | 2,381 |
| Pretax return on assets | 1.3087% | 1,849 |
| Return on Equity (ROE) | 4.5017% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.5017% | 2,497 |
| Net charge-offs to loans | 0.0135% | 2,115 |
| Credit loss provision to net charge-offs | 33.3333% | 2,136 |
| Earnings coverage of net charge-offs (x) | 137.6667% | 460 |
| Efficiency ratio | 62.9264% | 3,380 |
| Assets per employee ($millions) | 4.9425% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 3,855 |
| Loan loss allowance to noncurrent loans | 190.2655% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 2,623 |
| Noncurrent loans to loans | 0.5092% | 2,746 |
| Net loans and leases to total assets | 68.4106% | 2,486 |
| Net loans and leases to deposits | 87.0690% | 1,858 |
| Net loans and leases to core deposits | 90.3208% | 2,312 |
| Total domestic deposits to total assets | 78.5705% | 4,130 |
| Equity capital to assets | 21.2770% | 194 |
| Core capital (leverage) ratio | 21.5742% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,926,500 | 3,627 |
| Average earning assets | $120,500,500 | 3,573 |
| Average equity | $27,190,000 | 2,630 |
| Average total loans | $88,814,500 | 3,421 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,618 |
| Cost of funding earning assets | 0.3863% | 4,486 |
| Net interest margin | 3.3779% | 3,803 |
| Noninterest income to average assets | 0.3622% | 3,536 |
| Noninterest expense to average assets | 2.9805% | 2,066 |
| Loan and lease loss provision to assets | 0.0031% | 3,937 |
| Net operating income to assets | 0.3973% | 4,596 |
| Return on assets (ROA) | 0.3973% | 4,632 |
| Pretax return on assets | 0.6139% | 4,388 |
| Return on Equity (ROE) | 1.8950% | 4,809 |
| Retained earnings to average equity (ytd only) | 1.8950% | 4,044 |
| Net charge-offs to loans | 0.0066% | 3,438 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 552 |
| Efficiency ratio | 82.8497% | 743 |
| Assets per employee ($millions) | 4.7442% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 3,650 |
| Loan loss allowance to noncurrent loans | 232.3450% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 2,977 |
| Noncurrent loans to loans | 0.4175% | 2,948 |
| Net loans and leases to total assets | 71.3396% | 2,197 |
| Net loans and leases to deposits | 91.5271% | 1,425 |
| Net loans and leases to core deposits | 95.1174% | 1,979 |
| Total domestic deposits to total assets | 77.9437% | 4,368 |
| Equity capital to assets | 21.9201% | 183 |
| Core capital (leverage) ratio | 21.3886% | 187 |
| Tier 1 risk-based capital ratio | 44.5537% | 182 |
| Total risk-based capital ratio | 45.8054% | 180 |
| Memoranda: | ||
| Average total assets | $128,366,000 | 3,586 |
| Average earning assets | $122,946,600 | 3,521 |
| Average equity | $26,913,200 | 2,569 |
| Average total loans | $90,460,800 | 3,385 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 4,708 |
| Cost of funding earning assets | 0.3909% | 4,531 |
| Net interest margin | 3.3771% | 3,924 |
| Noninterest income to average assets | 0.3518% | 3,620 |
| Noninterest expense to average assets | 2.5911% | 3,188 |
| Loan and lease loss provision to assets | 0.0031% | 3,805 |
| Net operating income to assets | 0.9926% | 3,008 |
| Return on assets (ROA) | 0.9926% | 3,077 |
| Pretax return on assets | 0.9926% | 3,616 |
| Return on Equity (ROE) | 4.7862% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.7862% | 3,002 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2397% | 1,797 |
| Assets per employee ($millions) | 4.9484% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,728 |
| Loan loss allowance to noncurrent loans | 525.4545% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,900 |
| Noncurrent loans to loans | 0.1848% | 3,875 |
| Net loans and leases to total assets | 68.7375% | 2,666 |
| Net loans and leases to deposits | 87.5675% | 1,992 |
| Net loans and leases to core deposits | 90.2087% | 2,534 |
| Total domestic deposits to total assets | 78.4966% | 4,265 |
| Equity capital to assets | 21.3673% | 204 |
| Core capital (leverage) ratio | 21.2628% | 190 |
| Tier 1 risk-based capital ratio | 44.2413% | 184 |
| Total risk-based capital ratio | 45.4928% | 183 |
| Memoranda: | ||
| Average total assets | $129,620,500 | 3,605 |
| Average earning assets | $124,166,000 | 3,542 |
| Average equity | $26,882,000 | 2,581 |
| Average total loans | $90,861,500 | 3,421 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 4,775 |
| Cost of funding earning assets | 0.4016% | 4,499 |
| Net interest margin | 3.3458% | 4,037 |
| Noninterest income to average assets | 0.3371% | 3,679 |
| Noninterest expense to average assets | 2.8059% | 2,569 |
| Loan and lease loss provision to assets | 0.0031% | 3,646 |
| Net operating income to assets | 0.7342% | 3,888 |
| Return on assets (ROA) | 0.7342% | 3,944 |
| Pretax return on assets | 0.7342% | 4,250 |
| Return on Equity (ROE) | 3.5758% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.5758% | 3,462 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1920% | 1,039 |
| Assets per employee ($millions) | 5.4054% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,827 |
| Loan loss allowance to noncurrent loans | 883.6735% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,183 |
| Noncurrent loans to loans | 0.1088% | 4,187 |
| Net loans and leases to total assets | 68.7880% | 2,708 |
| Net loans and leases to deposits | 87.0199% | 2,126 |
| Net loans and leases to core deposits | 89.8246% | 2,615 |
| Total domestic deposits to total assets | 79.0486% | 4,211 |
| Equity capital to assets | 20.8026% | 219 |
| Core capital (leverage) ratio | 20.1540% | 232 |
| Tier 1 risk-based capital ratio | 48.5672% | 147 |
| Total risk-based capital ratio | 49.8218% | 146 |
| Memoranda: | ||
| Average total assets | $129,941,000 | 3,619 |
| Average earning assets | $124,513,000 | 3,552 |
| Average equity | $26,679,000 | 2,587 |
| Average total loans | $91,380,670 | 3,426 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 4,867 |
| Cost of funding earning assets | 0.3851% | 4,552 |
| Net interest margin | 3.3020% | 4,154 |
| Noninterest income to average assets | 0.3230% | 3,702 |
| Noninterest expense to average assets | 3.3988% | 1,110 |
| Loan and lease loss provision to assets | 0.0031% | 3,380 |
| Net operating income to assets | 0.0861% | 5,097 |
| Return on assets (ROA) | 0.0861% | 5,101 |
| Pretax return on assets | 0.0861% | 5,105 |
| Return on Equity (ROE) | 0.4222% | 5,125 |
| Retained earnings to average equity (ytd only) | 0.4222% | 4,450 |
| Net charge-offs to loans | 0.0043% | 2,554 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,352 |
| Efficiency ratio | 97.4427% | 205 |
| Assets per employee ($millions) | 5.3546% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 3,975 |
| Loan loss allowance to noncurrent loans | 600.0000% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,044 |
| Noncurrent loans to loans | 0.1578% | 4,034 |
| Net loans and leases to total assets | 70.3379% | 2,432 |
| Net loans and leases to deposits | 88.8077% | 1,767 |
| Net loans and leases to core deposits | 90.5396% | 2,441 |
| Total domestic deposits to total assets | 79.2026% | 4,318 |
| Equity capital to assets | 20.6504% | 217 |
| Core capital (leverage) ratio | 20.1944% | 233 |
| Tier 1 risk-based capital ratio | 49.0661% | 139 |
| Total risk-based capital ratio | 50.3218% | 136 |
| Memoranda: | ||
| Average total assets | $130,047,000 | 3,658 |
| Average earning assets | $124,653,000 | 3,589 |
| Average equity | $26,525,000 | 2,605 |
| Average total loans | $92,019,000 | 3,449 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 4,945 |
| Cost of funding earning assets | 0.4322% | 3,788 |
| Net interest margin | 3.0432% | 4,743 |
| Noninterest income to average assets | 0.3478% | 3,783 |
| Noninterest expense to average assets | 2.0935% | 4,580 |
| Loan and lease loss provision to assets | 0.0051% | 4,012 |
| Net operating income to assets | 0.8323% | 3,685 |
| Return on assets (ROA) | 0.8323% | 3,683 |
| Pretax return on assets | 1.1713% | 3,007 |
| Return on Equity (ROE) | 4.3919% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.3919% | 3,124 |
| Net charge-offs to loans | -0.0043% | 4,328 |
| Credit loss provision to net charge-offs | -175.0000% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0223% | 3,194 |
| Assets per employee ($millions) | 5.0609% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,040 |
| Loan loss allowance to noncurrent loans | 251.1628% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,538 |
| Noncurrent loans to loans | 0.3708% | 3,210 |
| Net loans and leases to total assets | 69.8555% | 2,583 |
| Net loans and leases to deposits | 87.6144% | 2,101 |
| Net loans and leases to core deposits | 89.5913% | 2,607 |
| Total domestic deposits to total assets | 79.7307% | 4,164 |
| Equity capital to assets | 20.1485% | 226 |
| Core capital (leverage) ratio | 19.0567% | 260 |
| Tier 1 risk-based capital ratio | 47.8889% | 146 |
| Total risk-based capital ratio | 49.1427% | 146 |
| Memoranda: | ||
| Average total assets | $136,851,000 | 3,550 |
| Average earning assets | $131,408,600 | 3,478 |
| Average equity | $25,934,200 | 2,571 |
| Average total loans | $92,833,600 | 3,428 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3987% | 5,036 |
| Cost of funding earning assets | 0.3990% | 3,866 |
| Net interest margin | 2.9998% | 4,845 |
| Noninterest income to average assets | 0.3426% | 3,855 |
| Noninterest expense to average assets | 2.0081% | 4,725 |
| Loan and lease loss provision to assets | 0.0058% | 3,861 |
| Net operating income to assets | 0.8096% | 3,871 |
| Return on assets (ROA) | 0.8096% | 3,879 |
| Pretax return on assets | 1.2091% | 2,956 |
| Return on Equity (ROE) | 4.3375% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.3375% | 3,588 |
| Net charge-offs to loans | -0.0014% | 4,049 |
| Credit loss provision to net charge-offs | -600.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3054% | 3,461 |
| Assets per employee ($millions) | 5.1588% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 4,121 |
| Loan loss allowance to noncurrent loans | 389.1403% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 4,165 |
| Noncurrent loans to loans | 0.2398% | 3,840 |
| Net loans and leases to total assets | 65.5503% | 3,238 |
| Net loans and leases to deposits | 80.9144% | 2,937 |
| Net loans and leases to core deposits | 83.0140% | 3,248 |
| Total domestic deposits to total assets | 81.0119% | 3,864 |
| Equity capital to assets | 18.8173% | 280 |
| Core capital (leverage) ratio | 18.9070% | 275 |
| Tier 1 risk-based capital ratio | 47.8455% | 151 |
| Total risk-based capital ratio | 49.3555% | 147 |
| Memoranda: | ||
| Average total assets | $138,168,000 | 3,568 |
| Average earning assets | $132,673,000 | 3,494 |
| Average equity | $25,789,750 | 2,593 |
| Average total loans | $92,846,500 | 3,453 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 5,071 |
| Cost of funding earning assets | 0.4068% | 3,672 |
| Net interest margin | 2.9623% | 4,926 |
| Noninterest income to average assets | 0.3396% | 3,912 |
| Noninterest expense to average assets | 1.9986% | 4,804 |
| Loan and lease loss provision to assets | 0.0073% | 3,694 |
| Net operating income to assets | 0.7838% | 3,910 |
| Return on assets (ROA) | 0.7838% | 3,911 |
| Pretax return on assets | 1.1771% | 3,021 |
| Return on Equity (ROE) | 4.2106% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.2106% | 3,501 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7907% | 3,520 |
| Assets per employee ($millions) | 4.9750% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 4,241 |
| Loan loss allowance to noncurrent loans | 604.2254% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,462 |
| Noncurrent loans to loans | 0.1525% | 4,222 |
| Net loans and leases to total assets | 68.6963% | 2,764 |
| Net loans and leases to deposits | 85.3082% | 2,401 |
| Net loans and leases to core deposits | 87.8611% | 2,729 |
| Total domestic deposits to total assets | 80.5272% | 4,128 |
| Equity capital to assets | 19.3008% | 252 |
| Core capital (leverage) ratio | 17.1360% | 380 |
| Tier 1 risk-based capital ratio | 46.6555% | 159 |
| Total risk-based capital ratio | 47.9091% | 155 |
| Memoranda: | ||
| Average total assets | $137,795,000 | 3,598 |
| Average earning assets | $132,263,000 | 3,525 |
| Average equity | $25,649,670 | 2,614 |
| Average total loans | $93,074,330 | 3,460 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1675% | 5,259 |
| Cost of funding earning assets | 0.3556% | 3,944 |
| Net interest margin | 2.8119% | 5,148 |
| Noninterest income to average assets | 0.3411% | 3,869 |
| Noninterest expense to average assets | 1.9523% | 4,937 |
| Loan and lease loss provision to assets | 0.0029% | 3,481 |
| Net operating income to assets | 0.7196% | 4,032 |
| Return on assets (ROA) | 0.7196% | 4,041 |
| Pretax return on assets | 1.0836% | 3,231 |
| Return on Equity (ROE) | 3.9355% | 4,775 |
| Retained earnings to average equity (ytd only) | 3.9355% | 3,616 |
| Net charge-offs to loans | -0.0086% | 4,191 |
| Credit loss provision to net charge-offs | -50.0000% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2453% | 3,437 |
| Assets per employee ($millions) | 5.5548% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 4,373 |
| Loan loss allowance to noncurrent loans | 445.8333% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,426 |
| Noncurrent loans to loans | 0.2055% | 4,052 |
| Net loans and leases to total assets | 64.1008% | 3,292 |
| Net loans and leases to deposits | 78.0839% | 3,010 |
| Net loans and leases to core deposits | 80.2443% | 3,304 |
| Total domestic deposits to total assets | 82.0923% | 3,932 |
| Equity capital to assets | 17.7512% | 335 |
| Core capital (leverage) ratio | 18.4640% | 288 |
| Tier 1 risk-based capital ratio | 43.8495% | 186 |
| Total risk-based capital ratio | 45.1023% | 183 |
| Memoranda: | ||
| Average total assets | $139,529,500 | 3,617 |
| Average earning assets | $133,861,000 | 3,535 |
| Average equity | $25,511,500 | 2,655 |
| Average total loans | $93,044,000 | 3,484 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1078% | 5,281 |
| Cost of funding earning assets | 0.3731% | 3,486 |
| Net interest margin | 2.7347% | 5,243 |
| Noninterest income to average assets | 0.3430% | 4,011 |
| Noninterest expense to average assets | 1.8958% | 5,117 |
| Loan and lease loss provision to assets | 0.0042% | 4,166 |
| Net operating income to assets | 0.6608% | 3,783 |
| Return on assets (ROA) | 0.6608% | 3,820 |
| Pretax return on assets | 1.0657% | 3,317 |
| Return on Equity (ROE) | 3.7746% | 4,571 |
| Retained earnings to average equity (ytd only) | 3.7746% | 2,961 |
| Net charge-offs to loans | 0.0194% | 3,458 |
| Credit loss provision to net charge-offs | 33.3333% | 3,506 |
| Earnings coverage of net charge-offs (x) | 84.5556% | 737 |
| Efficiency ratio | 63.9251% | 3,616 |
| Assets per employee ($millions) | 5.1783% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 68.1858% | 2,797 |
| Net loans and leases to deposits | 84.1734% | 2,477 |
| Net loans and leases to core deposits | 86.7595% | 2,850 |
| Total domestic deposits to total assets | 81.0064% | 4,119 |
| Equity capital to assets | 18.8554% | 256 |
| Core capital (leverage) ratio | 17.3478% | 341 |
| Tier 1 risk-based capital ratio | 43.5040% | 172 |
| Total risk-based capital ratio | 44.7568% | 169 |
| Memoranda: | ||
| Average total assets | $142,258,600 | 3,580 |
| Average earning assets | $136,432,000 | 3,502 |
| Average equity | $24,903,400 | 2,680 |
| Average total loans | $92,649,000 | 3,477 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0249% | 5,392 |
| Cost of funding earning assets | 0.3520% | 3,647 |
| Net interest margin | 2.6730% | 5,351 |
| Noninterest income to average assets | 0.3403% | 4,102 |
| Noninterest expense to average assets | 1.8377% | 5,222 |
| Loan and lease loss provision to assets | 0.0046% | 4,028 |
| Net operating income to assets | 0.6594% | 4,160 |
| Return on assets (ROA) | 0.6594% | 4,215 |
| Pretax return on assets | 1.0617% | 3,453 |
| Return on Equity (ROE) | 3.8359% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.8359% | 3,635 |
| Net charge-offs to loans | 0.0245% | 2,960 |
| Credit loss provision to net charge-offs | 29.4118% | 3,082 |
| Earnings coverage of net charge-offs (x) | 67.8116% | 914 |
| Efficiency ratio | 63.2803% | 3,670 |
| Assets per employee ($millions) | 5.4963% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.8891% | 3,663 |
| Net loans and leases to deposits | 74.6845% | 3,501 |
| Net loans and leases to core deposits | 76.7176% | 3,751 |
| Total domestic deposits to total assets | 82.8674% | 3,503 |
| Equity capital to assets | 16.9534% | 434 |
| Core capital (leverage) ratio | 16.9156% | 392 |
| Tier 1 risk-based capital ratio | 43.1363% | 188 |
| Total risk-based capital ratio | 44.3877% | 183 |
| Memoranda: | ||
| Average total assets | $144,164,500 | 3,576 |
| Average earning assets | $138,270,250 | 3,506 |
| Average equity | $24,782,750 | 2,706 |
| Average total loans | $92,647,500 | 3,508 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0210% | 5,417 |
| Cost of funding earning assets | 0.3491% | 3,588 |
| Net interest margin | 2.6719% | 5,389 |
| Noninterest income to average assets | 0.3320% | 4,166 |
| Noninterest expense to average assets | 1.8788% | 5,216 |
| Loan and lease loss provision to assets | 0.0042% | 3,820 |
| Net operating income to assets | 0.6235% | 4,192 |
| Return on assets (ROA) | 0.6235% | 4,242 |
| Pretax return on assets | 1.0115% | 3,519 |
| Return on Equity (ROE) | 3.6095% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.6095% | 3,556 |
| Net charge-offs to loans | 0.0151% | 2,944 |
| Credit loss provision to net charge-offs | 42.8571% | 2,618 |
| Earnings coverage of net charge-offs (x) | 103.5714% | 640 |
| Efficiency ratio | 64.9080% | 3,516 |
| Assets per employee ($millions) | 5.2017% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.8925% | 3,520 |
| Net loans and leases to deposits | 76.0269% | 3,341 |
| Net loans and leases to core deposits | 78.1352% | 3,582 |
| Total domestic deposits to total assets | 82.7240% | 3,648 |
| Equity capital to assets | 17.0851% | 398 |
| Core capital (leverage) ratio | 15.8248% | 497 |
| Tier 1 risk-based capital ratio | 36.8228% | 267 |
| Total risk-based capital ratio | 38.0730% | 265 |
| Memoranda: | ||
| Average total assets | $142,752,330 | 3,619 |
| Average earning assets | $136,908,000 | 3,539 |
| Average equity | $24,657,330 | 2,725 |
| Average total loans | $92,630,670 | 3,520 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 5,498 |
| Cost of funding earning assets | 0.3248% | 3,804 |
| Net interest margin | 2.6342% | 5,446 |
| Noninterest income to average assets | 0.3255% | 4,212 |
| Noninterest expense to average assets | 1.8768% | 5,263 |
| Loan and lease loss provision to assets | 0.0057% | 3,488 |
| Net operating income to assets | 0.5973% | 4,170 |
| Return on assets (ROA) | 0.5973% | 4,221 |
| Pretax return on assets | 0.9681% | 3,502 |
| Return on Equity (ROE) | 3.4387% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.4387% | 3,719 |
| Net charge-offs to loans | 0.0345% | 2,088 |
| Credit loss provision to net charge-offs | 25.0000% | 2,145 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 984 |
| Efficiency ratio | 65.8391% | 3,525 |
| Assets per employee ($millions) | 5.4425% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 4,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.0798% | 3,525 |
| Net loans and leases to deposits | 74.7476% | 3,330 |
| Net loans and leases to core deposits | 76.7894% | 3,574 |
| Total domestic deposits to total assets | 83.0525% | 3,815 |
| Equity capital to assets | 16.7740% | 401 |
| Core capital (leverage) ratio | 17.3410% | 338 |
| Tier 1 risk-based capital ratio | 43.1475% | 187 |
| Total risk-based capital ratio | 44.3998% | 186 |
| Memoranda: | ||
| Average total assets | $141,305,000 | 3,674 |
| Average earning assets | $135,449,500 | 3,600 |
| Average equity | $24,544,000 | 2,746 |
| Average total loans | $92,715,000 | 3,542 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1356% | 5,369 |
| Cost of funding earning assets | 0.3197% | 3,847 |
| Net interest margin | 2.8159% | 5,268 |
| Noninterest income to average assets | 0.3897% | 3,964 |
| Noninterest expense to average assets | 2.0459% | 5,100 |
| Loan and lease loss provision to assets | 0.0044% | 4,264 |
| Net operating income to assets | 0.6480% | 4,010 |
| Return on assets (ROA) | 0.6480% | 4,121 |
| Pretax return on assets | 1.0303% | 3,363 |
| Return on Equity (ROE) | 3.6560% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.6560% | 3,314 |
| Net charge-offs to loans | 0.0043% | 4,096 |
| Credit loss provision to net charge-offs | 150.0000% | 1,823 |
| Earnings coverage of net charge-offs (x) | 350.5000% | 232 |
| Efficiency ratio | 66.4111% | 3,527 |
| Assets per employee ($millions) | 5.0245% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 4,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.1702% | 2,745 |
| Net loans and leases to deposits | 83.3080% | 2,503 |
| Net loans and leases to core deposits | 85.8101% | 2,868 |
| Total domestic deposits to total assets | 81.8291% | 4,118 |
| Equity capital to assets | 18.0146% | 301 |
| Core capital (leverage) ratio | 17.1146% | 350 |
| Tier 1 risk-based capital ratio | 42.1754% | 201 |
| Total risk-based capital ratio | 43.4281% | 194 |
| Memoranda: | ||
| Average total assets | $135,492,800 | 3,742 |
| Average earning assets | $129,479,400 | 3,656 |
| Average equity | $24,015,200 | 2,799 |
| Average total loans | $93,665,400 | 3,504 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1393% | 5,436 |
| Cost of funding earning assets | 0.3082% | 4,007 |
| Net interest margin | 2.8311% | 5,302 |
| Noninterest income to average assets | 0.3918% | 3,981 |
| Noninterest expense to average assets | 1.9844% | 5,235 |
| Loan and lease loss provision to assets | 0.0039% | 4,143 |
| Net operating income to assets | 0.7068% | 3,808 |
| Return on assets (ROA) | 0.7068% | 3,942 |
| Pretax return on assets | 1.1074% | 3,203 |
| Return on Equity (ROE) | 4.0039% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.0039% | 3,454 |
| Net charge-offs to loans | 0.0057% | 3,709 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 282.4203% | 288 |
| Efficiency ratio | 64.1017% | 3,917 |
| Assets per employee ($millions) | 4.8741% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,824 |
| Loan loss allowance to noncurrent loans | 7,854.5455% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 5,499 |
| Noncurrent loans to loans | 0.0116% | 5,356 |
| Net loans and leases to total assets | 68.6250% | 2,705 |
| Net loans and leases to deposits | 83.6864% | 2,525 |
| Net loans and leases to core deposits | 86.1894% | 2,931 |
| Total domestic deposits to total assets | 82.0026% | 3,933 |
| Equity capital to assets | 17.7908% | 362 |
| Core capital (leverage) ratio | 17.1529% | 354 |
| Tier 1 risk-based capital ratio | 41.3307% | 206 |
| Total risk-based capital ratio | 42.5820% | 206 |
| Memoranda: | ||
| Average total assets | $135,450,500 | 3,763 |
| Average earning assets | $129,367,250 | 3,680 |
| Average equity | $23,909,250 | 2,823 |
| Average total loans | $93,745,250 | 3,519 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1384% | 5,509 |
| Cost of funding earning assets | 0.3115% | 4,003 |
| Net interest margin | 2.8269% | 5,385 |
| Noninterest income to average assets | 0.3790% | 4,033 |
| Noninterest expense to average assets | 1.9495% | 5,373 |
| Loan and lease loss provision to assets | 0.0044% | 3,961 |
| Net operating income to assets | 0.6898% | 3,846 |
| Return on assets (ROA) | 0.6898% | 3,995 |
| Pretax return on assets | 1.1250% | 3,106 |
| Return on Equity (ROE) | 3.9183% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.9183% | 3,405 |
| Net charge-offs to loans | 0.0043% | 3,557 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 381.5000% | 183 |
| Efficiency ratio | 63.3173% | 4,132 |
| Assets per employee ($millions) | 5.1654% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 66.7826% | 2,971 |
| Net loans and leases to deposits | 80.8730% | 2,832 |
| Net loans and leases to core deposits | 83.4160% | 3,134 |
| Total domestic deposits to total assets | 82.5771% | 3,806 |
| Equity capital to assets | 17.2286% | 402 |
| Core capital (leverage) ratio | 16.8633% | 377 |
| Tier 1 risk-based capital ratio | 40.9477% | 215 |
| Total risk-based capital ratio | 42.1988% | 216 |
| Memoranda: | ||
| Average total assets | $135,109,000 | 3,793 |
| Average earning assets | $129,047,670 | 3,712 |
| Average equity | $23,785,670 | 2,852 |
| Average total loans | $93,487,000 | 3,536 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1735% | 5,525 |
| Cost of funding earning assets | 0.3277% | 3,868 |
| Net interest margin | 2.8457% | 5,402 |
| Noninterest income to average assets | 0.3671% | 4,098 |
| Noninterest expense to average assets | 2.0341% | 5,256 |
| Loan and lease loss provision to assets | 0.0030% | 3,629 |
| Net operating income to assets | 0.6439% | 4,008 |
| Return on assets (ROA) | 0.6439% | 4,126 |
| Pretax return on assets | 1.0472% | 3,288 |
| Return on Equity (ROE) | 3.6172% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.6172% | 3,685 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9512% | 3,812 |
| Assets per employee ($millions) | 5.2016% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.5164% | 2,579 |
| Net loans and leases to deposits | 83.3143% | 2,387 |
| Net loans and leases to core deposits | 86.0245% | 2,746 |
| Total domestic deposits to total assets | 82.2385% | 4,137 |
| Equity capital to assets | 17.5766% | 369 |
| Core capital (leverage) ratio | 17.8855% | 304 |
| Tier 1 risk-based capital ratio | 40.7070% | 224 |
| Total risk-based capital ratio | 41.9591% | 222 |
| Memoranda: | ||
| Average total assets | $132,930,500 | 3,865 |
| Average earning assets | $126,928,000 | 3,768 |
| Average equity | $23,664,500 | 2,859 |
| Average total loans | $93,228,500 | 3,550 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1474% | 5,582 |
| Cost of funding earning assets | 0.3401% | 3,793 |
| Net interest margin | 2.8073% | 5,497 |
| Noninterest income to average assets | 0.3866% | 4,144 |
| Noninterest expense to average assets | 2.1604% | 5,132 |
| Loan and lease loss provision to assets | 0.0053% | 4,284 |
| Net operating income to assets | 0.5619% | 4,458 |
| Return on assets (ROA) | 0.5619% | 4,548 |
| Pretax return on assets | 0.8974% | 3,846 |
| Return on Equity (ROE) | 3.2224% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.2224% | 3,760 |
| Net charge-offs to loans | 0.0043% | 4,296 |
| Credit loss provision to net charge-offs | 175.0000% | 1,547 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 239 |
| Efficiency ratio | 70.5305% | 3,141 |
| Assets per employee ($millions) | 4.6650% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.4844% | 2,295 |
| Net loans and leases to deposits | 86.1468% | 2,120 |
| Net loans and leases to core deposits | 89.0611% | 2,494 |
| Total domestic deposits to total assets | 81.8189% | 4,219 |
| Equity capital to assets | 18.0357% | 312 |
| Core capital (leverage) ratio | 16.7798% | 395 |
| Tier 1 risk-based capital ratio | 40.6758% | 223 |
| Total risk-based capital ratio | 41.9272% | 219 |
| Memoranda: | ||
| Average total assets | $132,939,000 | 3,833 |
| Average earning assets | $126,740,200 | 3,764 |
| Average equity | $23,181,400 | 2,863 |
| Average total loans | $92,776,000 | 3,526 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1277% | 5,672 |
| Cost of funding earning assets | 0.3332% | 3,942 |
| Net interest margin | 2.7945% | 5,586 |
| Noninterest income to average assets | 0.3845% | 4,189 |
| Noninterest expense to average assets | 2.1250% | 5,225 |
| Loan and lease loss provision to assets | 0.0050% | 4,165 |
| Net operating income to assets | 0.5562% | 4,572 |
| Return on assets (ROA) | 0.5562% | 4,663 |
| Pretax return on assets | 0.9177% | 3,923 |
| Return on Equity (ROE) | 3.2167% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.2167% | 4,172 |
| Net charge-offs to loans | 0.0029% | 4,086 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 461.4120% | 158 |
| Efficiency ratio | 69.7248% | 3,251 |
| Assets per employee ($millions) | 5.1311% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 5,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.2122% | 2,974 |
| Net loans and leases to deposits | 79.8327% | 2,902 |
| Net loans and leases to core deposits | 83.4745% | 3,104 |
| Total domestic deposits to total assets | 82.9386% | 3,836 |
| Equity capital to assets | 16.8715% | 447 |
| Core capital (leverage) ratio | 17.2075% | 362 |
| Tier 1 risk-based capital ratio | 40.6811% | 239 |
| Total risk-based capital ratio | 41.9342% | 240 |
| Memoranda: | ||
| Average total assets | $133,519,000 | 3,870 |
| Average earning assets | $127,246,000 | 3,791 |
| Average equity | $23,087,250 | 2,895 |
| Average total loans | $92,737,750 | 3,560 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1520% | 5,683 |
| Cost of funding earning assets | 0.3442% | 3,877 |
| Net interest margin | 2.8078% | 5,602 |
| Noninterest income to average assets | 0.3853% | 4,189 |
| Noninterest expense to average assets | 2.1419% | 5,247 |
| Loan and lease loss provision to assets | 0.0046% | 3,999 |
| Net operating income to assets | 0.5567% | 4,531 |
| Return on assets (ROA) | 0.5567% | 4,638 |
| Pretax return on assets | 0.9117% | 3,911 |
| Return on Equity (ROE) | 3.1925% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.1925% | 4,016 |
| Net charge-offs to loans | 0.0022% | 3,826 |
| Credit loss provision to net charge-offs | 300.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 604.0000% | 108 |
| Efficiency ratio | 70.0397% | 3,317 |
| Assets per employee ($millions) | 4.5055% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 5,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 69.8714% | 2,333 |
| Net loans and leases to deposits | 85.1552% | 2,155 |
| Net loans and leases to core deposits | 89.3900% | 2,403 |
| Total domestic deposits to total assets | 82.0519% | 4,282 |
| Equity capital to assets | 17.7438% | 360 |
| Core capital (leverage) ratio | 16.5836% | 405 |
| Tier 1 risk-based capital ratio | 40.5998% | 247 |
| Total risk-based capital ratio | 41.8521% | 247 |
| Memoranda: | ||
| Average total assets | $131,845,000 | 3,928 |
| Average earning assets | $125,506,000 | 3,853 |
| Average equity | $22,991,670 | 2,913 |
| Average total loans | $92,785,670 | 3,583 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1362% | 5,743 |
| Cost of funding earning assets | 0.3555% | 3,798 |
| Net interest margin | 2.7807% | 5,683 |
| Noninterest income to average assets | 0.3775% | 4,180 |
| Noninterest expense to average assets | 2.2380% | 5,048 |
| Loan and lease loss provision to assets | 0.0030% | 3,670 |
| Net operating income to assets | 0.4772% | 4,775 |
| Return on assets (ROA) | 0.4772% | 4,890 |
| Pretax return on assets | 0.7823% | 4,306 |
| Return on Equity (ROE) | 2.7604% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.7604% | 4,296 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0260% | 2,811 |
| Assets per employee ($millions) | 4.6316% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 5,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.5716% | 2,354 |
| Net loans and leases to deposits | 82.9113% | 2,217 |
| Net loans and leases to core deposits | 86.8559% | 2,452 |
| Total domestic deposits to total assets | 82.7048% | 4,276 |
| Equity capital to assets | 17.1053% | 411 |
| Core capital (leverage) ratio | 17.3075% | 334 |
| Tier 1 risk-based capital ratio | 39.6224% | 264 |
| Total risk-based capital ratio | 40.8748% | 262 |
| Memoranda: | ||
| Average total assets | $132,437,500 | 3,946 |
| Average earning assets | $126,011,000 | 3,865 |
| Average equity | $22,895,500 | 2,939 |
| Average total loans | $93,100,000 | 3,591 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2273% | 5,802 |
| Cost of funding earning assets | 0.3900% | 3,795 |
| Net interest margin | 2.8373% | 5,754 |
| Noninterest income to average assets | 0.4053% | 4,149 |
| Noninterest expense to average assets | 2.0915% | 5,592 |
| Loan and lease loss provision to assets | 0.0054% | 4,508 |
| Net operating income to assets | 0.6500% | 4,143 |
| Return on assets (ROA) | 0.6500% | 4,248 |
| Pretax return on assets | 1.0125% | 3,446 |
| Return on Equity (ROE) | 3.7982% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.7982% | 3,511 |
| Net charge-offs to loans | 0.0824% | 3,326 |
| Credit loss provision to net charge-offs | 9.0909% | 4,109 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 1,934 |
| Efficiency ratio | 67.2651% | 4,018 |
| Assets per employee ($millions) | 4.3520% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 5,393 |
| Loan loss allowance to noncurrent loans | 28,700.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,088 |
| Noncurrent loans to loans | 0.0032% | 5,919 |
| Net loans and leases to total assets | 70.7529% | 2,115 |
| Net loans and leases to deposits | 86.4578% | 1,916 |
| Net loans and leases to core deposits | 90.7354% | 2,209 |
| Total domestic deposits to total assets | 81.8352% | 4,479 |
| Equity capital to assets | 17.4755% | 366 |
| Core capital (leverage) ratio | 17.4401% | 330 |
| Tier 1 risk-based capital ratio | 36.7370% | 291 |
| Total risk-based capital ratio | 37.9894% | 284 |
| Memoranda: | ||
| Average total assets | $130,770,400 | 3,958 |
| Average earning assets | $124,623,800 | 3,870 |
| Average equity | $22,379,200 | 2,908 |
| Average total loans | $93,498,000 | 3,556 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 5,883 |
| Cost of funding earning assets | 0.3835% | 3,977 |
| Net interest margin | 2.8327% | 5,821 |
| Noninterest income to average assets | 0.3995% | 4,245 |
| Noninterest expense to average assets | 2.0832% | 5,613 |
| Loan and lease loss provision to assets | 0.0051% | 4,309 |
| Net operating income to assets | 0.6186% | 4,359 |
| Return on assets (ROA) | 0.6186% | 4,451 |
| Pretax return on assets | 1.0141% | 3,540 |
| Return on Equity (ROE) | 3.6341% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.6341% | 4,062 |
| Net charge-offs to loans | 0.1097% | 2,702 |
| Credit loss provision to net charge-offs | 6.4935% | 3,743 |
| Earnings coverage of net charge-offs (x) | 12.9875% | 2,266 |
| Efficiency ratio | 67.1485% | 4,018 |
| Assets per employee ($millions) | 4.3989% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 5,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.9654% | 2,199 |
| Net loans and leases to deposits | 85.5504% | 1,959 |
| Net loans and leases to core deposits | 88.2681% | 2,396 |
| Total domestic deposits to total assets | 81.7827% | 4,550 |
| Equity capital to assets | 17.1231% | 413 |
| Core capital (leverage) ratio | 17.0705% | 366 |
| Tier 1 risk-based capital ratio | 36.0480% | 325 |
| Total risk-based capital ratio | 37.2997% | 319 |
| Memoranda: | ||
| Average total assets | $130,823,000 | 3,989 |
| Average earning assets | $124,824,250 | 3,897 |
| Average equity | $22,270,000 | 2,924 |
| Average total loans | $93,563,500 | 3,595 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2215% | 5,921 |
| Cost of funding earning assets | 0.3969% | 3,897 |
| Net interest margin | 2.8246% | 5,855 |
| Noninterest income to average assets | 0.3956% | 4,274 |
| Noninterest expense to average assets | 2.0929% | 5,640 |
| Loan and lease loss provision to assets | 0.0046% | 4,135 |
| Net operating income to assets | 0.6041% | 4,338 |
| Return on assets (ROA) | 0.6041% | 4,438 |
| Pretax return on assets | 0.9936% | 3,505 |
| Return on Equity (ROE) | 3.5558% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.5558% | 3,931 |
| Net charge-offs to loans | 0.0256% | 3,686 |
| Credit loss provision to net charge-offs | 25.0000% | 3,117 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 871 |
| Efficiency ratio | 67.7083% | 4,060 |
| Assets per employee ($millions) | 4.2864% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 5,414 |
| Loan loss allowance to noncurrent loans | 815.9292% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 5,899 |
| Noncurrent loans to loans | 0.1206% | 5,655 |
| Net loans and leases to total assets | 72.1431% | 1,720 |
| Net loans and leases to deposits | 88.8152% | 1,498 |
| Net loans and leases to core deposits | 92.3968% | 1,913 |
| Total domestic deposits to total assets | 81.2284% | 4,909 |
| Equity capital to assets | 17.3960% | 376 |
| Core capital (leverage) ratio | 17.3495% | 342 |
| Tier 1 risk-based capital ratio | 35.8488% | 321 |
| Total risk-based capital ratio | 37.1010% | 319 |
| Memoranda: | ||
| Average total assets | $130,441,330 | 4,025 |
| Average earning assets | $124,477,000 | 3,923 |
| Average equity | $22,161,000 | 2,932 |
| Average total loans | $93,687,670 | 3,597 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1996% | 6,002 |
| Cost of funding earning assets | 0.4015% | 3,951 |
| Net interest margin | 2.7980% | 5,940 |
| Noninterest income to average assets | 0.3654% | 4,468 |
| Noninterest expense to average assets | 2.2350% | 5,368 |
| Loan and lease loss provision to assets | 0.0061% | 3,741 |
| Net operating income to assets | 0.4841% | 4,768 |
| Return on assets (ROA) | 0.4841% | 4,840 |
| Pretax return on assets | 0.7978% | 4,125 |
| Return on Equity (ROE) | 2.8835% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.8835% | 4,366 |
| Net charge-offs to loans | 0.0512% | 2,670 |
| Credit loss provision to net charge-offs | 16.6667% | 2,538 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,271 |
| Efficiency ratio | 73.5471% | 3,222 |
| Assets per employee ($millions) | 4.4569% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 5,574 |
| Loan loss allowance to noncurrent loans | 868.8679% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 6,013 |
| Noncurrent loans to loans | 0.1137% | 5,785 |
| Net loans and leases to total assets | 69.0502% | 2,049 |
| Net loans and leases to deposits | 83.8609% | 1,836 |
| Net loans and leases to core deposits | 86.5001% | 2,266 |
| Total domestic deposits to total assets | 82.3390% | 4,838 |
| Equity capital to assets | 16.5556% | 453 |
| Core capital (leverage) ratio | 16.5113% | 418 |
| Tier 1 risk-based capital ratio | 35.1214% | 348 |
| Total risk-based capital ratio | 36.3741% | 340 |
| Memoranda: | ||
| Average total assets | $131,365,500 | 4,044 |
| Average earning assets | $125,516,000 | 3,937 |
| Average equity | $22,056,500 | 2,936 |
| Average total loans | $93,685,000 | 3,615 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 6,044 |
| Cost of funding earning assets | 0.5506% | 3,105 |
| Net interest margin | 2.7206% | 6,112 |
| Noninterest income to average assets | 0.4901% | 3,817 |
| Noninterest expense to average assets | 1.9890% | 6,049 |
| Loan and lease loss provision to assets | 0.0069% | 4,986 |
| Net operating income to assets | 0.6738% | 3,924 |
| Return on assets (ROA) | 0.6738% | 4,021 |
| Pretax return on assets | 1.0875% | 2,994 |
| Return on Equity (ROE) | 4.0582% | 5,084 |
| Retained earnings to average equity (ytd only) | 4.0582% | 3,299 |
| Net charge-offs to loans | 0.0353% | 4,739 |
| Credit loss provision to net charge-offs | 28.1250% | 4,289 |
| Earnings coverage of net charge-offs (x) | 44.3125% | 871 |
| Efficiency ratio | 64.5056% | 4,816 |
| Assets per employee ($millions) | 4.1621% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 5,622 |
| Loan loss allowance to noncurrent loans | 895.1923% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 5,974 |
| Noncurrent loans to loans | 0.1105% | 5,877 |
| Net loans and leases to total assets | 72.2292% | 1,648 |
| Net loans and leases to deposits | 88.4125% | 1,418 |
| Net loans and leases to core deposits | 91.3030% | 1,873 |
| Total domestic deposits to total assets | 81.6957% | 4,975 |
| Equity capital to assets | 17.0333% | 397 |
| Core capital (leverage) ratio | 16.9831% | 371 |
| Tier 1 risk-based capital ratio | 34.9573% | 333 |
| Total risk-based capital ratio | 36.2104% | 324 |
| Memoranda: | ||
| Average total assets | $129,562,000 | 4,085 |
| Average earning assets | $123,502,200 | 3,979 |
| Average equity | $21,511,800 | 2,984 |
| Average total loans | $90,574,000 | 3,677 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2645% | 6,113 |
| Cost of funding earning assets | 0.5707% | 3,080 |
| Net interest margin | 2.6938% | 6,186 |
| Noninterest income to average assets | 0.4955% | 3,842 |
| Noninterest expense to average assets | 1.9573% | 6,087 |
| Loan and lease loss provision to assets | 0.0072% | 4,835 |
| Net operating income to assets | 0.6559% | 4,091 |
| Return on assets (ROA) | 0.6559% | 4,221 |
| Pretax return on assets | 1.0979% | 3,121 |
| Return on Equity (ROE) | 3.9758% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.9758% | 3,866 |
| Net charge-offs to loans | 0.0446% | 4,272 |
| Credit loss provision to net charge-offs | 23.3333% | 4,009 |
| Earnings coverage of net charge-offs (x) | 35.8325% | 1,085 |
| Efficiency ratio | 63.9141% | 4,808 |
| Assets per employee ($millions) | 4.5681% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 5,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 68.8580% | 2,163 |
| Net loans and leases to deposits | 84.1861% | 1,857 |
| Net loans and leases to core deposits | 87.1858% | 2,261 |
| Total domestic deposits to total assets | 81.7927% | 4,996 |
| Equity capital to assets | 16.3972% | 481 |
| Core capital (leverage) ratio | 16.3568% | 444 |
| Tier 1 risk-based capital ratio | 34.3369% | 360 |
| Total risk-based capital ratio | 35.5894% | 352 |
| Memoranda: | ||
| Average total assets | $129,696,500 | 4,122 |
| Average earning assets | $123,588,500 | 4,014 |
| Average equity | $21,395,500 | 3,030 |
| Average total loans | $89,686,500 | 3,725 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 6,075 |
| Cost of funding earning assets | 0.6016% | 2,923 |
| Net interest margin | 2.7065% | 6,171 |
| Noninterest income to average assets | 0.5156% | 3,732 |
| Noninterest expense to average assets | 1.9259% | 6,175 |
| Loan and lease loss provision to assets | 0.0078% | 4,697 |
| Net operating income to assets | 0.7020% | 3,795 |
| Return on assets (ROA) | 0.7020% | 3,967 |
| Pretax return on assets | 1.1602% | 2,840 |
| Return on Equity (ROE) | 4.2468% | 5,113 |
| Retained earnings to average equity (ytd only) | 4.2468% | 3,591 |
| Net charge-offs to loans | 0.0608% | 3,836 |
| Credit loss provision to net charge-offs | 18.5185% | 3,754 |
| Earnings coverage of net charge-offs (x) | 27.8519% | 1,204 |
| Efficiency ratio | 62.2490% | 5,138 |
| Assets per employee ($millions) | 4.2576% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 5,699 |
| Loan loss allowance to noncurrent loans | 991.4894% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 6,149 |
| Noncurrent loans to loans | 0.1041% | 6,084 |
| Net loans and leases to total assets | 69.9406% | 1,896 |
| Net loans and leases to deposits | 85.2487% | 1,651 |
| Net loans and leases to core deposits | 88.1596% | 2,087 |
| Total domestic deposits to total assets | 82.0430% | 5,044 |
| Equity capital to assets | 16.8484% | 430 |
| Core capital (leverage) ratio | 16.8198% | 389 |
| Tier 1 risk-based capital ratio | 35.0029% | 339 |
| Total risk-based capital ratio | 36.2562% | 330 |
| Memoranda: | ||
| Average total assets | $128,770,670 | 4,166 |
| Average earning assets | $122,665,670 | 4,069 |
| Average equity | $21,286,670 | 3,065 |
| Average total loans | $88,865,000 | 3,752 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 6,014 |
| Cost of funding earning assets | 0.6360% | 2,775 |
| Net interest margin | 2.7289% | 6,167 |
| Noninterest income to average assets | 0.5074% | 3,724 |
| Noninterest expense to average assets | 2.0450% | 6,018 |
| Loan and lease loss provision to assets | 0.0093% | 4,338 |
| Net operating income to assets | 0.6373% | 4,036 |
| Return on assets (ROA) | 0.6373% | 4,197 |
| Pretax return on assets | 1.0550% | 3,126 |
| Return on Equity (ROE) | 3.8923% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.8923% | 3,900 |
| Net charge-offs to loans | 0.1134% | 2,748 |
| Credit loss provision to net charge-offs | 12.0000% | 3,124 |
| Earnings coverage of net charge-offs (x) | 13.7600% | 1,499 |
| Efficiency ratio | 65.7711% | 4,704 |
| Assets per employee ($millions) | 4.5588% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 5,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 6,482 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 68.1575% | 1,978 |
| Net loans and leases to deposits | 82.3686% | 1,778 |
| Net loans and leases to core deposits | 86.3645% | 2,071 |
| Total domestic deposits to total assets | 82.7470% | 4,937 |
| Equity capital to assets | 16.6655% | 474 |
| Core capital (leverage) ratio | 16.6341% | 391 |
| Tier 1 risk-based capital ratio | 35.3461% | 335 |
| Total risk-based capital ratio | 36.6001% | 331 |
| Memoranda: | ||
| Average total assets | $129,292,500 | 4,197 |
| Average earning assets | $123,273,000 | 4,086 |
| Average equity | $21,170,000 | 3,116 |
| Average total loans | $88,165,000 | 3,785 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5705% | 6,267 |
| Cost of funding earning assets | 0.8248% | 2,466 |
| Net interest margin | 2.7457% | 6,457 |
| Noninterest income to average assets | 0.5009% | 3,892 |
| Noninterest expense to average assets | 2.0638% | 6,202 |
| Loan and lease loss provision to assets | 0.0805% | 4,695 |
| Net operating income to assets | 0.5922% | 4,274 |
| Return on assets (ROA) | 0.5922% | 4,534 |
| Pretax return on assets | 0.9591% | 3,707 |
| Return on Equity (ROE) | 3.7042% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.7042% | 3,609 |
| Net charge-offs to loans | 0.1098% | 4,575 |
| Credit loss provision to net charge-offs | 106.1224% | 2,802 |
| Earnings coverage of net charge-offs (x) | 13.7041% | 1,797 |
| Efficiency ratio | 66.5004% | 4,409 |
| Assets per employee ($millions) | 4.6764% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 5,628 |
| Loan loss allowance to noncurrent loans | 468.1373% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 6,072 |
| Noncurrent loans to loans | 0.2308% | 5,903 |
| Net loans and leases to total assets | 66.7812% | 2,406 |
| Net loans and leases to deposits | 79.7450% | 2,321 |
| Net loans and leases to core deposits | 82.3418% | 2,738 |
| Total domestic deposits to total assets | 83.7435% | 4,419 |
| Equity capital to assets | 16.0893% | 542 |
| Core capital (leverage) ratio | 16.0662% | 448 |
| Tier 1 risk-based capital ratio | 34.1086% | 365 |
| Total risk-based capital ratio | 35.3622% | 363 |
| Memoranda: | ||
| Average total assets | $129,180,000 | 4,161 |
| Average earning assets | $122,447,200 | 4,058 |
| Average equity | $20,652,400 | 3,127 |
| Average total loans | $89,244,800 | 3,763 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 6,341 |
| Cost of funding earning assets | 0.8527% | 2,517 |
| Net interest margin | 2.7825% | 6,524 |
| Noninterest income to average assets | 0.4930% | 3,970 |
| Noninterest expense to average assets | 2.1075% | 6,144 |
| Loan and lease loss provision to assets | 0.1046% | 4,266 |
| Net operating income to assets | 0.5396% | 4,664 |
| Return on assets (ROA) | 0.5396% | 4,929 |
| Pretax return on assets | 0.9134% | 4,051 |
| Return on Equity (ROE) | 3.3805% | 5,541 |
| Retained earnings to average equity (ytd only) | 3.3805% | 4,489 |
| Net charge-offs to loans | 0.1431% | 3,966 |
| Credit loss provision to net charge-offs | 105.2083% | 2,792 |
| Earnings coverage of net charge-offs (x) | 10.2393% | 2,209 |
| Efficiency ratio | 67.4288% | 4,189 |
| Assets per employee ($millions) | 4.9647% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,783 |
| Loan loss allowance to noncurrent loans | 281.9527% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 5,948 |
| Noncurrent loans to loans | 0.3846% | 5,698 |
| Net loans and leases to total assets | 64.8539% | 2,866 |
| Net loans and leases to deposits | 77.1471% | 2,785 |
| Net loans and leases to core deposits | 79.9033% | 3,216 |
| Total domestic deposits to total assets | 84.0652% | 4,183 |
| Equity capital to assets | 15.5342% | 698 |
| Core capital (leverage) ratio | 15.5115% | 535 |
| Tier 1 risk-based capital ratio | 33.4196% | 399 |
| Total risk-based capital ratio | 34.6736% | 395 |
| Memoranda: | ||
| Average total assets | $128,740,500 | 4,216 |
| Average earning assets | $121,807,750 | 4,112 |
| Average equity | $20,548,750 | 3,166 |
| Average total loans | $89,456,750 | 3,808 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 6,221 |
| Cost of funding earning assets | 0.8980% | 2,415 |
| Net interest margin | 2.8642% | 6,471 |
| Noninterest income to average assets | 0.5025% | 3,907 |
| Noninterest expense to average assets | 2.1674% | 6,085 |
| Loan and lease loss provision to assets | 0.1528% | 3,611 |
| Net operating income to assets | 0.5119% | 4,762 |
| Return on assets (ROA) | 0.5119% | 5,028 |
| Pretax return on assets | 0.8852% | 4,136 |
| Return on Equity (ROE) | 3.1773% | 5,614 |
| Retained earnings to average equity (ytd only) | 3.1773% | 4,498 |
| Net charge-offs to loans | 0.1711% | 3,573 |
| Credit loss provision to net charge-offs | 125.9740% | 2,181 |
| Earnings coverage of net charge-offs (x) | 8.5584% | 2,275 |
| Efficiency ratio | 67.6167% | 4,209 |
| Assets per employee ($millions) | 4.5853% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 5,844 |
| Loan loss allowance to noncurrent loans | 543.8202% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 5,813 |
| Noncurrent loans to loans | 0.1996% | 6,185 |
| Net loans and leases to total assets | 68.7177% | 2,158 |
| Net loans and leases to deposits | 82.3880% | 2,065 |
| Net loans and leases to core deposits | 85.7804% | 2,459 |
| Total domestic deposits to total assets | 83.4075% | 4,574 |
| Equity capital to assets | 16.0660% | 568 |
| Core capital (leverage) ratio | 16.0418% | 454 |
| Tier 1 risk-based capital ratio | 33.3306% | 394 |
| Total risk-based capital ratio | 34.5852% | 387 |
| Memoranda: | ||
| Average total assets | $126,972,000 | 4,268 |
| Average earning assets | $119,825,330 | 4,177 |
| Average equity | $20,457,330 | 3,168 |
| Average total loans | $89,980,000 | 3,806 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 6,131 |
| Cost of funding earning assets | 0.9525% | 2,287 |
| Net interest margin | 2.9012% | 6,487 |
| Noninterest income to average assets | 0.4974% | 3,926 |
| Noninterest expense to average assets | 2.2968% | 5,779 |
| Loan and lease loss provision to assets | 0.1552% | 3,433 |
| Net operating income to assets | 0.4435% | 5,064 |
| Return on assets (ROA) | 0.4435% | 5,254 |
| Pretax return on assets | 0.7762% | 4,508 |
| Return on Equity (ROE) | 2.7488% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.7488% | 4,883 |
| Net charge-offs to loans | 0.1372% | 3,280 |
| Credit loss provision to net charge-offs | 158.0645% | 1,603 |
| Earnings coverage of net charge-offs (x) | 9.4839% | 1,841 |
| Efficiency ratio | 71.1482% | 3,594 |
| Assets per employee ($millions) | 4.6006% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,992 |
| Loan loss allowance to noncurrent loans | 600.0000% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 5,839 |
| Noncurrent loans to loans | 0.1790% | 6,326 |
| Net loans and leases to total assets | 69.0590% | 1,940 |
| Net loans and leases to deposits | 83.0771% | 1,785 |
| Net loans and leases to core deposits | 86.4897% | 2,233 |
| Total domestic deposits to total assets | 83.1263% | 4,874 |
| Equity capital to assets | 15.8691% | 593 |
| Core capital (leverage) ratio | 15.8437% | 486 |
| Tier 1 risk-based capital ratio | 32.7501% | 402 |
| Total risk-based capital ratio | 34.0038% | 395 |
| Memoranda: | ||
| Average total assets | $126,263,500 | 4,318 |
| Average earning assets | $118,846,000 | 4,228 |
| Average equity | $20,372,500 | 3,183 |
| Average total loans | $90,373,000 | 3,818 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 6,542 |
| Cost of funding earning assets | 1.1194% | 2,538 |
| Net interest margin | 2.8356% | 6,780 |
| Noninterest income to average assets | 0.5071% | 3,799 |
| Noninterest expense to average assets | 2.0875% | 6,516 |
| Loan and lease loss provision to assets | 0.1025% | 5,306 |
| Net operating income to assets | 0.5607% | 4,185 |
| Return on assets (ROA) | 0.5607% | 4,371 |
| Pretax return on assets | 0.9737% | 3,338 |
| Return on Equity (ROE) | 3.6843% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.6843% | 3,590 |
| Net charge-offs to loans | 0.1430% | 5,005 |
| Credit loss provision to net charge-offs | 104.6875% | 3,272 |
| Earnings coverage of net charge-offs (x) | 10.9922% | 1,771 |
| Efficiency ratio | 65.5222% | 4,861 |
| Assets per employee ($millions) | 4.4183% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 6,015 |
| Loan loss allowance to noncurrent loans | 1,395.5882% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 6,098 |
| Noncurrent loans to loans | 0.0749% | 6,630 |
| Net loans and leases to total assets | 72.6467% | 1,525 |
| Net loans and leases to deposits | 87.1934% | 1,492 |
| Net loans and leases to core deposits | 90.0918% | 2,122 |
| Total domestic deposits to total assets | 83.3168% | 4,617 |
| Equity capital to assets | 16.4116% | 528 |
| Core capital (leverage) ratio | 16.3826% | 424 |
| Tier 1 risk-based capital ratio | 34.5775% | 347 |
| Total risk-based capital ratio | 35.8268% | 341 |
| Memoranda: | ||
| Average total assets | $130,731,800 | 4,153 |
| Average earning assets | $122,477,800 | 4,083 |
| Average equity | $19,895,200 | 3,167 |
| Average total loans | $89,534,200 | 3,867 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 6,713 |
| Cost of funding earning assets | 1.1313% | 2,763 |
| Net interest margin | 2.7854% | 6,899 |
| Noninterest income to average assets | 0.5032% | 3,851 |
| Noninterest expense to average assets | 2.0912% | 6,510 |
| Loan and lease loss provision to assets | 0.1308% | 4,793 |
| Net operating income to assets | 0.4981% | 4,561 |
| Return on assets (ROA) | 0.4981% | 4,746 |
| Pretax return on assets | 0.8926% | 3,798 |
| Return on Equity (ROE) | 3.3344% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.3344% | 4,351 |
| Net charge-offs to loans | 0.1868% | 4,304 |
| Credit loss provision to net charge-offs | 104.0000% | 3,205 |
| Earnings coverage of net charge-offs (x) | 8.1361% | 2,229 |
| Efficiency ratio | 66.7205% | 4,582 |
| Assets per employee ($millions) | 4.7263% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 6,064 |
| Loan loss allowance to noncurrent loans | 1,413.4328% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 6,255 |
| Noncurrent loans to loans | 0.0741% | 6,743 |
| Net loans and leases to total assets | 67.6412% | 2,549 |
| Net loans and leases to deposits | 80.0674% | 2,642 |
| Net loans and leases to core deposits | 82.5081% | 3,253 |
| Total domestic deposits to total assets | 84.4803% | 4,023 |
| Equity capital to assets | 15.1615% | 808 |
| Core capital (leverage) ratio | 15.1320% | 639 |
| Tier 1 risk-based capital ratio | 33.2901% | 408 |
| Total risk-based capital ratio | 34.5408% | 400 |
| Memoranda: | ||
| Average total assets | $132,487,000 | 4,143 |
| Average earning assets | $124,215,250 | 4,079 |
| Average equity | $19,793,250 | 3,181 |
| Average total loans | $89,212,500 | 3,922 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 6,758 |
| Cost of funding earning assets | 1.1636% | 2,822 |
| Net interest margin | 2.7735% | 6,959 |
| Noninterest income to average assets | 0.4814% | 4,012 |
| Noninterest expense to average assets | 2.1111% | 6,573 |
| Loan and lease loss provision to assets | 0.1901% | 4,017 |
| Net operating income to assets | 0.4120% | 4,889 |
| Return on assets (ROA) | 0.4120% | 5,043 |
| Pretax return on assets | 0.7771% | 4,111 |
| Return on Equity (ROE) | 2.7712% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.7712% | 4,518 |
| Net charge-offs to loans | 0.2140% | 3,852 |
| Credit loss provision to net charge-offs | 132.6316% | 2,304 |
| Earnings coverage of net charge-offs (x) | 6.7474% | 2,342 |
| Efficiency ratio | 68.1863% | 4,486 |
| Assets per employee ($millions) | 4.5451% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 5,942 |
| Loan loss allowance to noncurrent loans | 465.5660% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 5,820 |
| Noncurrent loans to loans | 0.2371% | 6,445 |
| Net loans and leases to total assets | 69.4766% | 2,328 |
| Net loans and leases to deposits | 82.5873% | 2,359 |
| Net loans and leases to core deposits | 85.3554% | 3,022 |
| Total domestic deposits to total assets | 84.1250% | 4,296 |
| Equity capital to assets | 15.5921% | 684 |
| Core capital (leverage) ratio | 15.5583% | 566 |
| Tier 1 risk-based capital ratio | 33.1630% | 412 |
| Total risk-based capital ratio | 34.4130% | 400 |
| Memoranda: | ||
| Average total assets | $132,537,670 | 4,173 |
| Average earning assets | $124,101,000 | 4,115 |
| Average equity | $19,703,000 | 3,170 |
| Average total loans | $88,796,670 | 3,972 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 6,874 |
| Cost of funding earning assets | 1.1727% | 2,997 |
| Net interest margin | 2.6868% | 7,030 |
| Noninterest income to average assets | 0.4380% | 4,382 |
| Noninterest expense to average assets | 2.0625% | 6,710 |
| Loan and lease loss provision to assets | 0.1864% | 3,749 |
| Net operating income to assets | 0.3729% | 5,059 |
| Return on assets (ROA) | 0.3729% | 5,145 |
| Pretax return on assets | 0.7043% | 4,296 |
| Return on Equity (ROE) | 2.5671% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.5671% | 4,623 |
| Net charge-offs to loans | 0.0768% | 4,173 |
| Credit loss provision to net charge-offs | 370.5882% | 892 |
| Earnings coverage of net charge-offs (x) | 17.7059% | 1,213 |
| Efficiency ratio | 69.4389% | 4,392 |
| Assets per employee ($millions) | 5.2352% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,907 |
| Loan loss allowance to noncurrent loans | 367.0330% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 5,805 |
| Noncurrent loans to loans | 0.3094% | 6,370 |
| Net loans and leases to total assets | 66.6506% | 2,845 |
| Net loans and leases to deposits | 78.7081% | 2,939 |
| Net loans and leases to core deposits | 108.4677% | 819 |
| Total domestic deposits to total assets | 84.6807% | 4,191 |
| Equity capital to assets | 15.0488% | 753 |
| Core capital (leverage) ratio | 15.0131% | 667 |
| Tier 1 risk-based capital ratio | 32.8434% | 407 |
| Total risk-based capital ratio | 34.0858% | 400 |
| Memoranda: | ||
| Average total assets | $135,175,000 | 4,151 |
| Average earning assets | $126,546,000 | 4,097 |
| Average equity | $19,633,000 | 3,167 |
| Average total loans | $88,492,500 | 4,005 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 7,098 |
| Cost of funding earning assets | 1.3306% | 3,686 |
| Net interest margin | 2.7173% | 7,107 |
| Noninterest income to average assets | 0.5901% | 3,537 |
| Noninterest expense to average assets | 2.0513% | 6,942 |
| Loan and lease loss provision to assets | 0.1816% | 5,405 |
| Net operating income to assets | 0.6268% | 3,551 |
| Return on assets (ROA) | 0.6268% | 3,715 |
| Pretax return on assets | 0.9042% | 3,270 |
| Return on Equity (ROE) | 4.5607% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.5607% | 2,683 |
| Net charge-offs to loans | 0.2013% | 5,084 |
| Credit loss provision to net charge-offs | 140.7821% | 2,680 |
| Earnings coverage of net charge-offs (x) | 8.4190% | 1,974 |
| Efficiency ratio | 64.7910% | 5,200 |
| Assets per employee ($millions) | 5.5788% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 6,037 |
| Loan loss allowance to noncurrent loans | 195.5010% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 5,608 |
| Noncurrent loans to loans | 0.5510% | 5,949 |
| Net loans and leases to total assets | 62.9488% | 4,081 |
| Net loans and leases to deposits | 73.4328% | 4,290 |
| Net loans and leases to core deposits | 80.9452% | 4,068 |
| Total domestic deposits to total assets | 85.7230% | 3,488 |
| Equity capital to assets | 14.0318% | 1,028 |
| Core capital (leverage) ratio | 13.9954% | 846 |
| Tier 1 risk-based capital ratio | 31.5232% | 449 |
| Total risk-based capital ratio | 32.7722% | 439 |
| Memoranda: | ||
| Average total assets | $138,792,600 | 4,076 |
| Average earning assets | $130,090,800 | 4,014 |
| Average equity | $19,076,000 | 3,273 |
| Average total loans | $88,936,000 | 4,079 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 7,212 |
| Cost of funding earning assets | 1.3538% | 3,871 |
| Net interest margin | 2.7322% | 7,199 |
| Noninterest income to average assets | 0.5819% | 3,568 |
| Noninterest expense to average assets | 2.0131% | 7,029 |
| Loan and lease loss provision to assets | 0.1818% | 5,227 |
| Net operating income to assets | 0.4905% | 4,356 |
| Return on assets (ROA) | 0.4905% | 4,555 |
| Pretax return on assets | 0.9512% | 3,363 |
| Return on Equity (ROE) | 3.5878% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.5878% | 3,923 |
| Net charge-offs to loans | 0.1349% | 5,218 |
| Credit loss provision to net charge-offs | 210.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 13.0886% | 1,619 |
| Efficiency ratio | 63.4363% | 5,357 |
| Assets per employee ($millions) | 5.3383% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 5,919 |
| Loan loss allowance to noncurrent loans | 203.3126% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 5,966 |
| Noncurrent loans to loans | 0.5435% | 6,116 |
| Net loans and leases to total assets | 60.9713% | 4,724 |
| Net loans and leases to deposits | 70.6393% | 5,062 |
| Net loans and leases to core deposits | 75.6473% | 5,101 |
| Total domestic deposits to total assets | 86.3135% | 2,908 |
| Equity capital to assets | 13.3278% | 1,434 |
| Core capital (leverage) ratio | 13.2881% | 1,123 |
| Tier 1 risk-based capital ratio | 30.4787% | 491 |
| Total risk-based capital ratio | 31.7285% | 481 |
| Memoranda: | ||
| Average total assets | $138,623,500 | 4,132 |
| Average earning assets | $130,101,250 | 4,064 |
| Average equity | $18,952,500 | 3,326 |
| Average total loans | $88,982,500 | 4,144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 7,198 |
| Cost of funding earning assets | 1.4157% | 3,776 |
| Net interest margin | 2.7659% | 7,188 |
| Noninterest income to average assets | 0.6112% | 3,248 |
| Noninterest expense to average assets | 2.0850% | 6,953 |
| Loan and lease loss provision to assets | 0.1842% | 5,030 |
| Net operating income to assets | 0.5074% | 4,292 |
| Return on assets (ROA) | 0.5074% | 4,439 |
| Pretax return on assets | 0.9328% | 3,376 |
| Return on Equity (ROE) | 3.6784% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.6784% | 3,759 |
| Net charge-offs to loans | 0.1977% | 4,422 |
| Credit loss provision to net charge-offs | 143.1818% | 2,770 |
| Earnings coverage of net charge-offs (x) | 8.6818% | 2,110 |
| Efficiency ratio | 64.5662% | 5,233 |
| Assets per employee ($millions) | 5.1050% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 6,226 |
| Loan loss allowance to noncurrent loans | 195.9574% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 5,974 |
| Noncurrent loans to loans | 0.5312% | 6,194 |
| Net loans and leases to total assets | 63.5274% | 4,344 |
| Net loans and leases to deposits | 74.0077% | 4,674 |
| Net loans and leases to core deposits | 79.5377% | 4,734 |
| Total domestic deposits to total assets | 85.8389% | 3,184 |
| Equity capital to assets | 13.8194% | 1,239 |
| Core capital (leverage) ratio | 13.7738% | 985 |
| Tier 1 risk-based capital ratio | 31.0429% | 455 |
| Total risk-based capital ratio | 32.2847% | 456 |
| Memoranda: | ||
| Average total assets | $136,786,330 | 4,197 |
| Average earning assets | $128,130,000 | 4,130 |
| Average equity | $18,866,670 | 3,319 |
| Average total loans | $89,022,330 | 4,175 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 7,225 |
| Cost of funding earning assets | 1.4551% | 3,834 |
| Net interest margin | 2.7754% | 7,221 |
| Noninterest income to average assets | 0.4374% | 4,579 |
| Noninterest expense to average assets | 2.0930% | 6,961 |
| Loan and lease loss provision to assets | 0.1849% | 4,657 |
| Net operating income to assets | 0.3934% | 4,865 |
| Return on assets (ROA) | 0.3934% | 5,010 |
| Pretax return on assets | 0.7574% | 4,037 |
| Return on Equity (ROE) | 2.8547% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.8547% | 4,415 |
| Net charge-offs to loans | 0.3897% | 2,877 |
| Credit loss provision to net charge-offs | 72.4138% | 4,046 |
| Earnings coverage of net charge-offs (x) | 3.6897% | 2,823 |
| Efficiency ratio | 68.3752% | 4,645 |
| Assets per employee ($millions) | 5.7673% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 6,631 |
| Loan loss allowance to noncurrent loans | 232.7913% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 6,106 |
| Noncurrent loans to loans | 0.4136% | 6,467 |
| Net loans and leases to total assets | 63.8433% | 4,366 |
| Net loans and leases to deposits | 74.1510% | 4,715 |
| Net loans and leases to core deposits | 80.1960% | 4,737 |
| Total domestic deposits to total assets | 86.0989% | 3,097 |
| Equity capital to assets | 13.6106% | 1,282 |
| Core capital (leverage) ratio | 13.5600% | 1,068 |
| Tier 1 risk-based capital ratio | 30.4557% | 502 |
| Total risk-based capital ratio | 31.6962% | 489 |
| Memoranda: | ||
| Average total assets | $136,262,000 | 4,266 |
| Average earning assets | $127,550,000 | 4,198 |
| Average equity | $18,776,000 | 3,353 |
| Average total loans | $89,291,500 | 4,217 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 7,291 |
| Cost of funding earning assets | 1.7921% | 4,030 |
| Net interest margin | 2.8034% | 7,056 |
| Noninterest income to average assets | 0.5382% | 4,121 |
| Noninterest expense to average assets | 2.0492% | 7,282 |
| Loan and lease loss provision to assets | 0.1525% | 6,142 |
| Net operating income to assets | 0.6665% | 3,075 |
| Return on assets (ROA) | 0.6665% | 3,127 |
| Pretax return on assets | 0.9789% | 2,661 |
| Return on Equity (ROE) | 4.8428% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.8428% | 1,905 |
| Net charge-offs to loans | 0.1065% | 6,083 |
| Credit loss provision to net charge-offs | 217.2043% | 1,750 |
| Earnings coverage of net charge-offs (x) | 16.1183% | 1,270 |
| Efficiency ratio | 63.5738% | 5,855 |
| Assets per employee ($millions) | 5.5879% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 6,453 |
| Loan loss allowance to noncurrent loans | 158.2437% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 5,729 |
| Noncurrent loans to loans | 0.6245% | 5,990 |
| Net loans and leases to total assets | 65.9705% | 4,155 |
| Net loans and leases to deposits | 76.9130% | 4,586 |
| Net loans and leases to core deposits | 95.7624% | 4,489 |
| Total domestic deposits to total assets | 85.7729% | 3,124 |
| Equity capital to assets | 13.9535% | 1,184 |
| Core capital (leverage) ratio | 13.8983% | 1,003 |
| Tier 1 risk-based capital ratio | 30.3960% | 503 |
| Total risk-based capital ratio | 31.6526% | 488 |
| Memoranda: | ||
| Average total assets | $132,490,600 | 4,290 |
| Average earning assets | $124,882,600 | 4,195 |
| Average equity | $18,233,200 | 3,472 |
| Average total loans | $87,301,000 | 4,293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 7,376 |
| Cost of funding earning assets | 1.8344% | 4,222 |
| Net interest margin | 2.7954% | 7,069 |
| Noninterest income to average assets | 0.5542% | 4,049 |
| Noninterest expense to average assets | 1.9986% | 7,389 |
| Loan and lease loss provision to assets | 0.1454% | 5,907 |
| Net operating income to assets | 0.5845% | 3,655 |
| Return on assets (ROA) | 0.5845% | 3,726 |
| Pretax return on assets | 1.0498% | 2,741 |
| Return on Equity (ROE) | 4.2620% | 4,267 |
| Retained earnings to average equity (ytd only) | 4.2620% | 2,893 |
| Net charge-offs to loans | 0.0568% | 6,136 |
| Credit loss provision to net charge-offs | 389.1892% | 1,037 |
| Earnings coverage of net charge-offs (x) | 32.0014% | 888 |
| Efficiency ratio | 61.6941% | 6,167 |
| Assets per employee ($millions) | 5.8287% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,330 |
| Loan loss allowance to noncurrent loans | 206.3232% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 6,690 |
| Noncurrent loans to loans | 0.4821% | 6,353 |
| Net loans and leases to total assets | 65.4083% | 4,558 |
| Net loans and leases to deposits | 76.1767% | 5,006 |
| Net loans and leases to core deposits | 95.4406% | 4,872 |
| Total domestic deposits to total assets | 85.8639% | 2,769 |
| Equity capital to assets | 13.7236% | 1,409 |
| Core capital (leverage) ratio | 13.7159% | 1,162 |
| Tier 1 risk-based capital ratio | 30.8237% | 526 |
| Total risk-based capital ratio | 32.0743% | 512 |
| Memoranda: | ||
| Average total assets | $132,085,750 | 4,317 |
| Average earning assets | $124,725,250 | 4,228 |
| Average equity | $18,113,250 | 3,514 |
| Average total loans | $86,787,250 | 4,345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 7,385 |
| Cost of funding earning assets | 1.8849% | 4,347 |
| Net interest margin | 2.8200% | 6,975 |
| Noninterest income to average assets | 0.5767% | 3,856 |
| Noninterest expense to average assets | 2.0270% | 7,417 |
| Loan and lease loss provision to assets | 0.1461% | 5,613 |
| Net operating income to assets | 0.5889% | 3,721 |
| Return on assets (ROA) | 0.5889% | 3,835 |
| Pretax return on assets | 1.0652% | 2,752 |
| Return on Equity (ROE) | 4.2956% | 4,376 |
| Retained earnings to average equity (ytd only) | 4.2956% | 2,908 |
| Net charge-offs to loans | 0.0696% | 5,539 |
| Credit loss provision to net charge-offs | 320.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 26.5333% | 1,079 |
| Efficiency ratio | 62.0301% | 6,241 |
| Assets per employee ($millions) | 5.9532% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 6,431 |
| Loan loss allowance to noncurrent loans | 170.0405% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 6,552 |
| Noncurrent loans to loans | 0.5720% | 6,119 |
| Net loans and leases to total assets | 62.4653% | 5,276 |
| Net loans and leases to deposits | 72.3800% | 5,690 |
| Net loans and leases to core deposits | 85.5351% | 5,961 |
| Total domestic deposits to total assets | 86.3019% | 2,625 |
| Equity capital to assets | 13.2964% | 1,563 |
| Core capital (leverage) ratio | 13.2844% | 1,336 |
| Tier 1 risk-based capital ratio | 30.7327% | 558 |
| Total risk-based capital ratio | 31.9798% | 544 |
| Memoranda: | ||
| Average total assets | $131,427,330 | 4,364 |
| Average earning assets | $124,041,670 | 4,272 |
| Average equity | $18,018,330 | 3,545 |
| Average total loans | $86,193,670 | 4,396 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 7,204 |
| Cost of funding earning assets | 2.0004% | 4,126 |
| Net interest margin | 2.8851% | 6,784 |
| Noninterest income to average assets | 0.5906% | 3,619 |
| Noninterest expense to average assets | 2.0205% | 7,306 |
| Loan and lease loss provision to assets | 0.1492% | 5,021 |
| Net operating income to assets | 0.6435% | 3,825 |
| Return on assets (ROA) | 0.6435% | 4,007 |
| Pretax return on assets | 1.1377% | 2,838 |
| Return on Equity (ROE) | 4.6194% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.6194% | 3,356 |
| Net charge-offs to loans | 0.0929% | 4,249 |
| Credit loss provision to net charge-offs | 240.0000% | 1,936 |
| Earnings coverage of net charge-offs (x) | 20.7000% | 1,363 |
| Efficiency ratio | 60.5263% | 6,317 |
| Assets per employee ($millions) | 5.8823% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 6,586 |
| Loan loss allowance to noncurrent loans | 241.5663% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 6,677 |
| Noncurrent loans to loans | 0.3863% | 6,453 |
| Net loans and leases to total assets | 62.9252% | 5,173 |
| Net loans and leases to deposits | 72.9006% | 5,627 |
| Net loans and leases to core deposits | 91.8035% | 5,365 |
| Total domestic deposits to total assets | 86.3165% | 2,545 |
| Equity capital to assets | 13.3251% | 1,604 |
| Core capital (leverage) ratio | 13.3083% | 1,385 |
| Tier 1 risk-based capital ratio | 30.5668% | 599 |
| Total risk-based capital ratio | 31.8046% | 583 |
| Memoranda: | ||
| Average total assets | $128,679,000 | 4,437 |
| Average earning assets | $121,175,000 | 4,353 |
| Average equity | $17,924,500 | 3,574 |
| Average total loans | $86,105,500 | 4,423 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 7,388 |
| Cost of funding earning assets | 2.4482% | 4,479 |
| Net interest margin | 3.0055% | 6,899 |
| Noninterest income to average assets | 0.5191% | 4,472 |
| Noninterest expense to average assets | 2.1111% | 7,210 |
| Loan and lease loss provision to assets | 0.0955% | 6,166 |
| Net operating income to assets | 0.6958% | 3,910 |
| Return on assets (ROA) | 0.6958% | 3,742 |
| Pretax return on assets | 1.1336% | 2,902 |
| Return on Equity (ROE) | 5.0150% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.0150% | 2,022 |
| Net charge-offs to loans | 0.0984% | 5,337 |
| Credit loss provision to net charge-offs | 145.7831% | 3,619 |
| Earnings coverage of net charge-offs (x) | 18.7711% | 1,681 |
| Efficiency ratio | 62.4705% | 5,863 |
| Assets per employee ($millions) | 5.0860% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,691 |
| Loan loss allowance to noncurrent loans | 432.4022% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 6,987 |
| Noncurrent loans to loans | 0.2075% | 6,768 |
| Net loans and leases to total assets | 70.0460% | 4,007 |
| Net loans and leases to deposits | 82.3392% | 4,673 |
| Net loans and leases to core deposits | 99.7666% | 4,842 |
| Total domestic deposits to total assets | 85.0701% | 2,808 |
| Equity capital to assets | 14.5997% | 1,277 |
| Core capital (leverage) ratio | 14.5771% | 1,125 |
| Tier 1 risk-based capital ratio | 31.7010% | 562 |
| Total risk-based capital ratio | 32.9466% | 553 |
| Memoranda: | ||
| Average total assets | $126,759,000 | 4,355 |
| Average earning assets | $118,983,400 | 4,285 |
| Average equity | $17,587,200 | 3,629 |
| Average total loans | $84,311,600 | 4,389 |