Home > Iron Workers Savings Bank > Performance and Condition Ratios
Iron Workers Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,904 |
| Cost of funding earning assets | 1.3712% | 2,307 |
| Net interest margin | 2.6661% | 3,871 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.5638% | 2,115 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.0795% | 4,270 |
| Return on assets (ROA) | 0.0795% | 4,296 |
| Pretax return on assets | 0.0904% | 4,281 |
| Return on Equity (ROE) | 1.1300% | 4,247 |
| Retained earnings to average equity (ytd only) | 1.1307% | 3,804 |
| Net charge-offs to loans | 0.0006% | 2,875 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,595 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 718 |
| Efficiency ratio | 97.3432% | 228 |
| Assets per employee ($millions) | 7.5279% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5698% | 4,279 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.9100% | 878 |
| Net loans and leases to deposits | 97.0338% | 710 |
| Net loans and leases to core deposits | 104.3422% | 1,199 |
| Total domestic deposits to total assets | 80.2900% | 3,417 |
| Equity capital to assets | 7.2758% | 3,832 |
| Core capital (leverage) ratio | 9.1207% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7047% | 1,628 |
| Memoranda: | ||
| Average total assets | $210,077,800 | 2,915 |
| Average earning assets | $198,077,400 | 2,886 |
| Average equity | $14,769,800 | 3,287 |
| Average total loans | $163,502,200 | 2,571 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,867 |
| Cost of funding earning assets | 1.2188% | 2,372 |
| Net interest margin | 2.7704% | 3,776 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.5935% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1131% | 4,309 |
| Return on assets (ROA) | 0.1131% | 4,328 |
| Pretax return on assets | 0.1378% | 4,318 |
| Return on Equity (ROE) | 1.6200% | 4,243 |
| Retained earnings to average equity (ytd only) | 1.6224% | 3,813 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.9314% | 252 |
| Assets per employee ($millions) | 7.3663% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6092% | 4,252 |
| Loan loss allowance to noncurrent loans | 98,600.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,888 |
| Noncurrent loans to loans | 0.0006% | 3,836 |
| Net loans and leases to total assets | 77.9900% | 886 |
| Net loans and leases to deposits | 97.5494% | 640 |
| Net loans and leases to core deposits | 104.2346% | 1,110 |
| Total domestic deposits to total assets | 79.9500% | 3,534 |
| Equity capital to assets | 6.8677% | 3,678 |
| Core capital (leverage) ratio | 9.3002% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9227% | 1,587 |
| Memoranda: | ||
| Average total assets | $209,902,000 | 2,918 |
| Average earning assets | $197,899,250 | 2,891 |
| Average equity | $14,628,250 | 3,296 |
| Average total loans | $163,087,750 | 2,581 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,795 |
| Cost of funding earning assets | 1.0683% | 2,384 |
| Net interest margin | 2.8775% | 3,686 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.5749% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2018% | 4,276 |
| Return on assets (ROA) | 0.2018% | 4,298 |
| Pretax return on assets | 0.2596% | 4,265 |
| Return on Equity (ROE) | 2.8800% | 4,176 |
| Retained earnings to average equity (ytd only) | 2.8818% | 3,513 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.8119% | 332 |
| Assets per employee ($millions) | 7.4785% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 4,291 |
| Loan loss allowance to noncurrent loans | 788.8000% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,166 |
| Noncurrent loans to loans | 0.0776% | 3,129 |
| Net loans and leases to total assets | 76.5000% | 1,000 |
| Net loans and leases to deposits | 94.6123% | 815 |
| Net loans and leases to core deposits | 100.3892% | 1,214 |
| Total domestic deposits to total assets | 80.8600% | 3,447 |
| Equity capital to assets | 7.1185% | 3,728 |
| Core capital (leverage) ratio | 9.2223% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0748% | 1,553 |
| Memoranda: | ||
| Average total assets | $211,117,333 | 2,927 |
| Average earning assets | $199,202,000 | 2,893 |
| Average equity | $14,782,667 | 3,295 |
| Average total loans | $163,502,333 | 2,570 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,663 |
| Cost of funding earning assets | 0.9236% | 2,300 |
| Net interest margin | 2.9807% | 3,643 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.5474% | 2,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2887% | 4,265 |
| Return on assets (ROA) | 0.2887% | 4,223 |
| Pretax return on assets | 0.3793% | 4,156 |
| Return on Equity (ROE) | 4.1600% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.1573% | 3,224 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.0406% | 466 |
| Assets per employee ($millions) | 7.2514% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 4,346 |
| 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 | 76.7400% | 904 |
| Net loans and leases to deposits | 91.7038% | 939 |
| Net loans and leases to core deposits | 96.3749% | 1,258 |
| Total domestic deposits to total assets | 83.6800% | 3,162 |
| Equity capital to assets | 7.1496% | 3,762 |
| Core capital (leverage) ratio | 8.9874% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9413% | 1,642 |
| Memoranda: | ||
| Average total assets | $211,977,500 | 2,958 |
| Average earning assets | $200,086,500 | 2,929 |
| Average equity | $14,721,000 | 3,329 |
| Average total loans | $164,666,000 | 2,590 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 2,900 |
| Cost of funding earning assets | 0.5069% | 1,339 |
| Net interest margin | 3.0581% | 3,292 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.4922% | 2,142 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.3746% | 4,276 |
| Return on assets (ROA) | 0.3746% | 4,244 |
| Pretax return on assets | 0.4962% | 4,177 |
| Return on Equity (ROE) | 5.0700% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.0688% | 3,022 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.5414% | 562 |
| Assets per employee ($millions) | 7.6308% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5833% | 4,354 |
| Loan loss allowance to noncurrent loans | 773.0159% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,221 |
| Noncurrent loans to loans | 0.0755% | 3,221 |
| Net loans and leases to total assets | 77.6900% | 830 |
| Net loans and leases to deposits | 93.3239% | 825 |
| Net loans and leases to core deposits | 96.7975% | 1,158 |
| Total domestic deposits to total assets | 83.2500% | 3,364 |
| Equity capital to assets | 6.7429% | 3,794 |
| Core capital (leverage) ratio | 8.9708% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3745% | 1,823 |
| Memoranda: | ||
| Average total assets | $209,814,800 | 2,978 |
| Average earning assets | $198,846,800 | 2,946 |
| Average equity | $15,506,600 | 3,325 |
| Average total loans | $157,040,800 | 2,563 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4531% | 2,766 |
| Cost of funding earning assets | 0.4340% | 1,080 |
| Net interest margin | 3.0191% | 3,168 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.5204% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3524% | 4,320 |
| Return on assets (ROA) | 0.3524% | 4,268 |
| Pretax return on assets | 0.4679% | 4,187 |
| Return on Equity (ROE) | 4.6600% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.6636% | 3,214 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.3410% | 529 |
| Assets per employee ($millions) | 7.5217% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 4,420 |
| Loan loss allowance to noncurrent loans | 363.6000% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 2,779 |
| Noncurrent loans to loans | 0.1533% | 2,845 |
| Net loans and leases to total assets | 77.0200% | 802 |
| Net loans and leases to deposits | 92.4280% | 746 |
| Net loans and leases to core deposits | 95.1493% | 1,040 |
| Total domestic deposits to total assets | 83.3200% | 3,645 |
| Equity capital to assets | 6.6712% | 3,669 |
| Core capital (leverage) ratio | 8.9225% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5392% | 1,862 |
| Memoranda: | ||
| Average total assets | $208,852,750 | 3,007 |
| Average earning assets | $198,153,000 | 2,971 |
| Average equity | $15,781,500 | 3,338 |
| Average total loans | $154,558,000 | 2,591 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3639% | 2,531 |
| Cost of funding earning assets | 0.3972% | 934 |
| Net interest margin | 2.9666% | 2,983 |
| Noninterest income to average assets | 0.1229% | 4,381 |
| Noninterest expense to average assets | 2.5227% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3169% | 4,259 |
| Return on assets (ROA) | 0.3169% | 4,207 |
| Pretax return on assets | 0.4187% | 4,129 |
| Return on Equity (ROE) | 4.0346% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.0346% | 3,070 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7656% | 587 |
| Assets per employee ($millions) | 7.3180% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5713% | 4,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.5407% | 859 |
| Net loans and leases to deposits | 87.0075% | 907 |
| Net loans and leases to core deposits | 89.5323% | 1,147 |
| Total domestic deposits to total assets | 85.6715% | 3,333 |
| Equity capital to assets | 7.1506% | 3,688 |
| Core capital (leverage) ratio | 8.9333% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,268,000 | 3,040 |
| Average earning assets | $197,868,000 | 3,010 |
| Average equity | $16,358,667 | 3,377 |
| Average total loans | $151,707,667 | 2,624 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 2,357 |
| Cost of funding earning assets | 0.4014% | 864 |
| Net interest margin | 2.9093% | 2,806 |
| Noninterest income to average assets | 0.1144% | 4,435 |
| Noninterest expense to average assets | 2.5440% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2598% | 4,223 |
| Return on assets (ROA) | 0.2598% | 4,195 |
| Pretax return on assets | 0.3393% | 4,127 |
| Return on Equity (ROE) | 3.1621% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.1621% | 3,207 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2313% | 622 |
| Assets per employee ($millions) | 7.6962% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 4,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.9101% | 840 |
| Net loans and leases to deposits | 82.6235% | 968 |
| Net loans and leases to core deposits | 85.1688% | 1,175 |
| Total domestic deposits to total assets | 87.0335% | 2,915 |
| Equity capital to assets | 7.7686% | 3,753 |
| Core capital (leverage) ratio | 8.9436% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,291,500 | 3,063 |
| Average earning assets | $196,336,500 | 3,031 |
| Average equity | $16,950,500 | 3,398 |
| Average total loans | $148,011,500 | 2,656 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 3,094 |
| Cost of funding earning assets | 0.4975% | 945 |
| Net interest margin | 2.8386% | 3,588 |
| Noninterest income to average assets | 0.1386% | 4,456 |
| Noninterest expense to average assets | 2.6973% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1224% | 4,607 |
| Return on assets (ROA) | 0.1220% | 4,619 |
| Pretax return on assets | 0.1531% | 4,601 |
| Return on Equity (ROE) | 1.3593% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.3593% | 4,157 |
| Net charge-offs to loans | -0.0763% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6117% | 218 |
| Assets per employee ($millions) | 7.3138% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6239% | 4,526 |
| 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 | 70.6972% | 962 |
| Net loans and leases to deposits | 81.1968% | 1,125 |
| Net loans and leases to core deposits | 83.9264% | 1,336 |
| Total domestic deposits to total assets | 87.0689% | 2,495 |
| Equity capital to assets | 8.6715% | 3,917 |
| Core capital (leverage) ratio | 9.1095% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,201,800 | 3,072 |
| Average earning assets | $190,339,000 | 3,027 |
| Average equity | $17,876,800 | 3,399 |
| Average total loans | $140,319,200 | 2,721 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3665% | 3,198 |
| Cost of funding earning assets | 0.5214% | 946 |
| Net interest margin | 2.8450% | 3,668 |
| Noninterest income to average assets | 0.1314% | 4,541 |
| Noninterest expense to average assets | 2.7191% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1071% | 4,693 |
| Return on assets (ROA) | 0.1065% | 4,711 |
| Pretax return on assets | 0.1294% | 4,704 |
| Return on Equity (ROE) | 1.1765% | 4,680 |
| Retained earnings to average equity (ytd only) | 1.1765% | 4,377 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4341% | 202 |
| Assets per employee ($millions) | 6.8830% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5654% | 4,657 |
| Loan loss allowance to noncurrent loans | 572.8571% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,638 |
| Noncurrent loans to loans | 0.0987% | 3,590 |
| Net loans and leases to total assets | 70.6582% | 1,024 |
| Net loans and leases to deposits | 81.8684% | 1,124 |
| Net loans and leases to core deposits | 84.5846% | 1,382 |
| Total domestic deposits to total assets | 86.3070% | 2,634 |
| Equity capital to assets | 8.9597% | 3,869 |
| Core capital (leverage) ratio | 9.0883% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,805,750 | 3,118 |
| Average earning assets | $188,957,500 | 3,076 |
| Average equity | $17,906,500 | 3,434 |
| Average total loans | $138,977,250 | 2,774 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3799% | 3,230 |
| Cost of funding earning assets | 0.5467% | 956 |
| Net interest margin | 2.8332% | 3,714 |
| Noninterest income to average assets | 0.1318% | 4,544 |
| Noninterest expense to average assets | 2.7230% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0962% | 4,714 |
| Return on assets (ROA) | 0.0953% | 4,734 |
| Pretax return on assets | 0.1146% | 4,724 |
| Return on Equity (ROE) | 1.0495% | 4,695 |
| Retained earnings to average equity (ytd only) | 1.0495% | 4,327 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9271% | 221 |
| Assets per employee ($millions) | 6.7935% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 4,676 |
| Loan loss allowance to noncurrent loans | 560.8392% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,744 |
| Noncurrent loans to loans | 0.1032% | 3,669 |
| Net loans and leases to total assets | 67.5688% | 1,505 |
| Net loans and leases to deposits | 78.4786% | 1,574 |
| Net loans and leases to core deposits | 81.2811% | 1,771 |
| Total domestic deposits to total assets | 86.0984% | 2,707 |
| Equity capital to assets | 8.8153% | 3,959 |
| Core capital (leverage) ratio | 9.0048% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,205,667 | 3,124 |
| Average earning assets | $188,406,667 | 3,080 |
| Average equity | $17,914,000 | 3,436 |
| Average total loans | $138,023,000 | 2,805 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 3,152 |
| Cost of funding earning assets | 0.5836% | 946 |
| Net interest margin | 2.8314% | 3,687 |
| Noninterest income to average assets | 0.1196% | 4,593 |
| Noninterest expense to average assets | 2.7622% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0536% | 4,753 |
| Return on assets (ROA) | 0.0536% | 4,759 |
| Pretax return on assets | 0.0598% | 4,756 |
| Return on Equity (ROE) | 0.5814% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.5814% | 4,290 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8801% | 217 |
| Assets per employee ($millions) | 6.7968% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 4,691 |
| Loan loss allowance to noncurrent loans | 553.1034% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,845 |
| Noncurrent loans to loans | 0.1063% | 3,777 |
| Net loans and leases to total assets | 68.7655% | 1,435 |
| Net loans and leases to deposits | 80.5641% | 1,465 |
| Net loans and leases to core deposits | 84.0267% | 1,680 |
| Total domestic deposits to total assets | 85.3551% | 2,976 |
| Equity capital to assets | 8.9155% | 3,772 |
| Core capital (leverage) ratio | 9.2773% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,906,500 | 3,135 |
| Average earning assets | $185,070,500 | 3,093 |
| Average equity | $17,888,000 | 3,431 |
| Average total loans | $137,779,500 | 2,813 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 3,421 |
| Cost of funding earning assets | 0.8689% | 952 |
| Net interest margin | 2.8887% | 4,130 |
| Noninterest income to average assets | 0.1332% | 4,619 |
| Noninterest expense to average assets | 2.7587% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1058% | 4,665 |
| Return on assets (ROA) | 0.1090% | 4,699 |
| Pretax return on assets | 0.1295% | 4,689 |
| Return on Equity (ROE) | 1.1182% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.1182% | 4,179 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6424% | 231 |
| Assets per employee ($millions) | 6.5761% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5761% | 4,729 |
| Loan loss allowance to noncurrent loans | 191.4081% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 3,190 |
| Noncurrent loans to loans | 0.3010% | 3,118 |
| Net loans and leases to total assets | 72.5794% | 1,214 |
| Net loans and leases to deposits | 85.4365% | 1,300 |
| Net loans and leases to core deposits | 89.2683% | 1,583 |
| Total domestic deposits to total assets | 84.9513% | 2,779 |
| Equity capital to assets | 9.5450% | 3,565 |
| Core capital (leverage) ratio | 9.4884% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,376,000 | 3,059 |
| Average earning assets | $176,550,600 | 3,024 |
| Average equity | $18,065,400 | 3,359 |
| Average total loans | $136,350,200 | 2,787 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 3,564 |
| Cost of funding earning assets | 0.9322% | 956 |
| Net interest margin | 2.8696% | 4,232 |
| Noninterest income to average assets | 0.1384% | 4,608 |
| Noninterest expense to average assets | 2.7544% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1004% | 4,701 |
| Return on assets (ROA) | 0.1029% | 4,723 |
| Pretax return on assets | 0.1188% | 4,712 |
| Return on Equity (ROE) | 1.0500% | 4,701 |
| Retained earnings to average equity (ytd only) | 1.0500% | 4,241 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9616% | 225 |
| Assets per employee ($millions) | 6.2281% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 4,747 |
| Loan loss allowance to noncurrent loans | 165.3608% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 3,139 |
| Noncurrent loans to loans | 0.3524% | 3,024 |
| Net loans and leases to total assets | 73.2230% | 1,469 |
| Net loans and leases to deposits | 86.3450% | 1,657 |
| Net loans and leases to core deposits | 90.4470% | 1,935 |
| Total domestic deposits to total assets | 84.8027% | 2,512 |
| Equity capital to assets | 9.7162% | 3,500 |
| Core capital (leverage) ratio | 9.5554% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,043,250 | 3,059 |
| Average earning assets | $175,210,000 | 3,022 |
| Average equity | $18,031,000 | 3,367 |
| Average total loans | $135,633,750 | 2,805 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 3,707 |
| Cost of funding earning assets | 0.9973% | 993 |
| Net interest margin | 2.8669% | 4,359 |
| Noninterest income to average assets | 0.1322% | 4,643 |
| Noninterest expense to average assets | 2.7317% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1070% | 4,680 |
| Return on assets (ROA) | 0.1070% | 4,709 |
| Pretax return on assets | 0.1289% | 4,701 |
| Return on Equity (ROE) | 1.0895% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.0895% | 4,082 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4945% | 257 |
| Assets per employee ($millions) | 6.5504% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 4,759 |
| Loan loss allowance to noncurrent loans | 22.0693% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.9441% | 383 |
| Noncurrent loans to loans | 2.6410% | 423 |
| Net loans and leases to total assets | 72.0128% | 1,704 |
| Net loans and leases to deposits | 85.1501% | 1,867 |
| Net loans and leases to core deposits | 90.1113% | 2,067 |
| Total domestic deposits to total assets | 84.5717% | 2,538 |
| Equity capital to assets | 9.5540% | 3,609 |
| Core capital (leverage) ratio | 9.7862% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,110,000 | 3,049 |
| Average earning assets | $174,264,333 | 3,011 |
| Average equity | $17,990,000 | 3,363 |
| Average total loans | $134,973,667 | 2,804 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,878 |
| Cost of funding earning assets | 1.0681% | 1,152 |
| Net interest margin | 2.8999% | 4,430 |
| Noninterest income to average assets | 0.1358% | 4,688 |
| Noninterest expense to average assets | 2.8339% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0557% | 4,705 |
| Return on assets (ROA) | 0.0557% | 4,698 |
| Pretax return on assets | 0.0579% | 4,695 |
| Return on Equity (ROE) | 0.5583% | 4,686 |
| Retained earnings to average equity (ytd only) | 0.5583% | 3,858 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9985% | 276 |
| Assets per employee ($millions) | 6.1795% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5960% | 4,764 |
| Loan loss allowance to noncurrent loans | 178.2222% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 3,369 |
| Noncurrent loans to loans | 0.3344% | 3,295 |
| Net loans and leases to total assets | 74.6391% | 1,513 |
| Net loans and leases to deposits | 89.0947% | 1,627 |
| Net loans and leases to core deposits | 94.4772% | 1,926 |
| Total domestic deposits to total assets | 83.7750% | 2,861 |
| Equity capital to assets | 10.0460% | 3,737 |
| Core capital (leverage) ratio | 9.9966% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,684,000 | 3,047 |
| Average earning assets | $170,765,500 | 3,014 |
| Average equity | $17,910,500 | 3,378 |
| Average total loans | $133,661,000 | 2,800 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 3,799 |
| Cost of funding earning assets | 1.0415% | 1,549 |
| Net interest margin | 3.1667% | 4,258 |
| Noninterest income to average assets | 0.1372% | 4,789 |
| Noninterest expense to average assets | 2.8354% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2416% | 4,806 |
| Return on assets (ROA) | 0.2416% | 4,828 |
| Pretax return on assets | 0.3094% | 4,811 |
| Return on Equity (ROE) | 2.4339% | 4,751 |
| Retained earnings to average equity (ytd only) | 2.4339% | 3,810 |
| Net charge-offs to loans | 0.0036% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 109.6000% | 631 |
| Efficiency ratio | 90.1616% | 349 |
| Assets per employee ($millions) | 6.0054% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 4,731 |
| Loan loss allowance to noncurrent loans | 387.4396% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 3,955 |
| Noncurrent loans to loans | 0.1559% | 3,903 |
| Net loans and leases to total assets | 73.2453% | 1,882 |
| Net loans and leases to deposits | 87.1887% | 1,946 |
| Net loans and leases to core deposits | 91.4960% | 2,277 |
| Total domestic deposits to total assets | 84.0078% | 2,844 |
| Equity capital to assets | 9.8899% | 4,020 |
| Core capital (leverage) ratio | 9.9861% | 3,537 |
| Tier 1 risk-based capital ratio | 15.9689% | 2,418 |
| Total risk-based capital ratio | 16.6859% | 2,532 |
| Memoranda: | ||
| Average total assets | $177,120,400 | 3,049 |
| Average earning assets | $168,218,800 | 3,012 |
| Average equity | $17,584,600 | 3,382 |
| Average total loans | $139,482,600 | 2,727 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 3,753 |
| Cost of funding earning assets | 1.0254% | 1,656 |
| Net interest margin | 3.2443% | 4,201 |
| Noninterest income to average assets | 0.1414% | 4,830 |
| Noninterest expense to average assets | 2.8350% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2956% | 4,845 |
| Return on assets (ROA) | 0.2956% | 4,864 |
| Pretax return on assets | 0.3871% | 4,821 |
| Return on Equity (ROE) | 2.9745% | 4,766 |
| Retained earnings to average equity (ytd only) | 2.9745% | 3,893 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9869% | 398 |
| Assets per employee ($millions) | 6.1032% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5933% | 4,836 |
| Loan loss allowance to noncurrent loans | 315.2344% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,016 |
| Noncurrent loans to loans | 0.1882% | 3,863 |
| Net loans and leases to total assets | 76.3938% | 1,417 |
| Net loans and leases to deposits | 91.2540% | 1,537 |
| Net loans and leases to core deposits | 96.0415% | 1,989 |
| Total domestic deposits to total assets | 83.7156% | 2,927 |
| Equity capital to assets | 10.0434% | 3,973 |
| Core capital (leverage) ratio | 10.0194% | 3,620 |
| Tier 1 risk-based capital ratio | 15.7184% | 2,548 |
| Total risk-based capital ratio | 16.4300% | 2,699 |
| Memoranda: | ||
| Average total assets | $176,359,750 | 3,089 |
| Average earning assets | $167,469,500 | 3,046 |
| Average equity | $17,526,250 | 3,409 |
| Average total loans | $141,162,500 | 2,737 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,780 |
| Cost of funding earning assets | 0.9878% | 1,751 |
| Net interest margin | 3.2659% | 4,209 |
| Noninterest income to average assets | 0.1419% | 4,860 |
| Noninterest expense to average assets | 2.8079% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3304% | 4,833 |
| Return on assets (ROA) | 0.3304% | 4,849 |
| Pretax return on assets | 0.4349% | 4,784 |
| Return on Equity (ROE) | 3.3366% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.3366% | 3,561 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5896% | 515 |
| Assets per employee ($millions) | 5.9304% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5772% | 4,915 |
| Loan loss allowance to noncurrent loans | 524.0260% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 4,335 |
| Noncurrent loans to loans | 0.1101% | 4,182 |
| Net loans and leases to total assets | 78.1357% | 1,196 |
| Net loans and leases to deposits | 94.3708% | 1,217 |
| Net loans and leases to core deposits | 98.3390% | 1,863 |
| Total domestic deposits to total assets | 82.7965% | 3,273 |
| Equity capital to assets | 9.9257% | 4,032 |
| Core capital (leverage) ratio | 10.0550% | 3,530 |
| Tier 1 risk-based capital ratio | 15.1522% | 2,770 |
| Total risk-based capital ratio | 15.8421% | 2,945 |
| Memoranda: | ||
| Average total assets | $176,149,000 | 3,100 |
| Average earning assets | $167,244,000 | 3,058 |
| Average equity | $17,443,000 | 3,421 |
| Average total loans | $142,877,330 | 2,732 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 3,713 |
| Cost of funding earning assets | 0.9623% | 1,738 |
| Net interest margin | 3.2864% | 4,195 |
| Noninterest income to average assets | 0.1324% | 4,937 |
| Noninterest expense to average assets | 2.8300% | 2,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3195% | 4,873 |
| Return on assets (ROA) | 0.3195% | 4,879 |
| Pretax return on assets | 0.4199% | 4,811 |
| Return on Equity (ROE) | 3.2305% | 4,734 |
| Retained earnings to average equity (ytd only) | 3.2305% | 3,636 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0787% | 524 |
| Assets per employee ($millions) | 6.2341% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 5,003 |
| Loan loss allowance to noncurrent loans | 714.1593% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,498 |
| Noncurrent loans to loans | 0.0786% | 4,408 |
| Net loans and leases to total assets | 81.8721% | 604 |
| Net loans and leases to deposits | 99.0745% | 690 |
| Net loans and leases to core deposits | 102.9433% | 1,386 |
| Total domestic deposits to total assets | 82.6369% | 3,526 |
| Equity capital to assets | 9.9940% | 3,834 |
| Core capital (leverage) ratio | 10.0153% | 3,585 |
| Tier 1 risk-based capital ratio | 14.6241% | 3,051 |
| Total risk-based capital ratio | 15.2956% | 3,235 |
| Memoranda: | ||
| Average total assets | $175,268,000 | 3,140 |
| Average earning assets | $166,263,000 | 3,100 |
| Average equity | $17,335,000 | 3,446 |
| Average total loans | $144,406,500 | 2,746 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 3,697 |
| Cost of funding earning assets | 0.8424% | 1,339 |
| Net interest margin | 3.2722% | 4,330 |
| Noninterest income to average assets | 0.1423% | 5,000 |
| Noninterest expense to average assets | 2.7891% | 2,727 |
| Loan and lease loss provision to assets | 0.0204% | 3,752 |
| Net operating income to assets | 0.3476% | 4,949 |
| Return on assets (ROA) | 0.3476% | 4,946 |
| Pretax return on assets | 0.4412% | 4,887 |
| Return on Equity (ROE) | 3.6279% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.6279% | 3,585 |
| Net charge-offs to loans | 0.0352% | 2,699 |
| Credit loss provision to net charge-offs | 72.0000% | 2,965 |
| Earnings coverage of net charge-offs (x) | 16.2800% | 2,258 |
| Efficiency ratio | 85.7990% | 539 |
| Assets per employee ($millions) | 6.2851% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5562% | 5,049 |
| Loan loss allowance to noncurrent loans | 429.2553% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,294 |
| Noncurrent loans to loans | 0.1296% | 4,155 |
| Net loans and leases to total assets | 81.9902% | 651 |
| Net loans and leases to deposits | 98.7740% | 830 |
| Net loans and leases to core deposits | 103.8103% | 1,429 |
| Total domestic deposits to total assets | 83.0079% | 3,326 |
| Equity capital to assets | 9.7879% | 3,874 |
| Core capital (leverage) ratio | 10.0286% | 3,543 |
| Tier 1 risk-based capital ratio | 14.2246% | 3,194 |
| Total risk-based capital ratio | 14.8831% | 3,388 |
| Memoranda: | ||
| Average total assets | $176,328,000 | 3,095 |
| Average earning assets | $167,500,400 | 3,047 |
| Average equity | $16,896,800 | 3,411 |
| Average total loans | $141,967,400 | 2,745 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 3,678 |
| Cost of funding earning assets | 0.8224% | 1,229 |
| Net interest margin | 3.2648% | 4,368 |
| Noninterest income to average assets | 0.1459% | 5,047 |
| Noninterest expense to average assets | 2.7563% | 2,788 |
| Loan and lease loss provision to assets | 0.0272% | 3,466 |
| Net operating income to assets | 0.3635% | 5,004 |
| Return on assets (ROA) | 0.3635% | 5,005 |
| Pretax return on assets | 0.4648% | 4,953 |
| Return on Equity (ROE) | 3.8140% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.8140% | 3,871 |
| Net charge-offs to loans | 0.0472% | 2,150 |
| Credit loss provision to net charge-offs | 72.0000% | 2,613 |
| Earnings coverage of net charge-offs (x) | 13.0190% | 2,401 |
| Efficiency ratio | 84.8534% | 588 |
| Assets per employee ($millions) | 6.1956% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5702% | 5,093 |
| Loan loss allowance to noncurrent loans | 344.8718% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 4,278 |
| Noncurrent loans to loans | 0.1653% | 4,146 |
| Net loans and leases to total assets | 81.1215% | 856 |
| Net loans and leases to deposits | 97.2469% | 1,023 |
| Net loans and leases to core deposits | 102.4072% | 1,575 |
| Total domestic deposits to total assets | 83.4181% | 3,160 |
| Equity capital to assets | 9.8007% | 3,816 |
| Core capital (leverage) ratio | 9.7500% | 3,901 |
| Tier 1 risk-based capital ratio | 14.5373% | 3,108 |
| Total risk-based capital ratio | 15.2154% | 3,299 |
| Memoranda: | ||
| Average total assets | $176,414,500 | 3,110 |
| Average earning assets | $167,641,500 | 3,076 |
| Average equity | $16,814,750 | 3,439 |
| Average total loans | $141,185,500 | 2,769 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 3,739 |
| Cost of funding earning assets | 0.7864% | 1,193 |
| Net interest margin | 3.2286% | 4,443 |
| Noninterest income to average assets | 0.1466% | 5,092 |
| Noninterest expense to average assets | 2.7419% | 2,875 |
| Loan and lease loss provision to assets | 0.0406% | 3,100 |
| Net operating income to assets | 0.3394% | 5,063 |
| Return on assets (ROA) | 0.3394% | 5,062 |
| Pretax return on assets | 0.4329% | 5,010 |
| Return on Equity (ROE) | 3.5935% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.5935% | 3,800 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2735% | 614 |
| Assets per employee ($millions) | 6.4066% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 5,102 |
| Loan loss allowance to noncurrent loans | 283.7748% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 4,147 |
| Noncurrent loans to loans | 0.2133% | 3,958 |
| Net loans and leases to total assets | 78.4446% | 1,248 |
| Net loans and leases to deposits | 95.1504% | 1,232 |
| Net loans and leases to core deposits | 99.7738% | 1,757 |
| Total domestic deposits to total assets | 82.4427% | 3,582 |
| Equity capital to assets | 9.4033% | 4,187 |
| Core capital (leverage) ratio | 9.6454% | 3,948 |
| Tier 1 risk-based capital ratio | 14.3088% | 3,202 |
| Total risk-based capital ratio | 15.0250% | 3,383 |
| Memoranda: | ||
| Average total assets | $177,393,330 | 3,122 |
| Average earning assets | $168,618,670 | 3,081 |
| Average equity | $16,752,330 | 3,470 |
| Average total loans | $141,069,000 | 2,784 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,674 |
| Cost of funding earning assets | 0.7422% | 1,222 |
| Net interest margin | 3.2409% | 4,338 |
| Noninterest income to average assets | 0.1338% | 5,196 |
| Noninterest expense to average assets | 2.7642% | 2,831 |
| Loan and lease loss provision to assets | 0.0295% | 3,125 |
| Net operating income to assets | 0.3265% | 5,057 |
| Return on assets (ROA) | 0.3265% | 5,062 |
| Pretax return on assets | 0.4195% | 5,006 |
| Return on Equity (ROE) | 3.4502% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.4502% | 3,823 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0268% | 648 |
| Assets per employee ($millions) | 6.3168% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5935% | 5,193 |
| Loan loss allowance to noncurrent loans | 234.2697% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 4,075 |
| Noncurrent loans to loans | 0.2533% | 3,854 |
| Net loans and leases to total assets | 78.9841% | 1,084 |
| Net loans and leases to deposits | 96.0831% | 1,029 |
| Net loans and leases to core deposits | 99.8463% | 1,700 |
| Total domestic deposits to total assets | 82.2040% | 3,899 |
| Equity capital to assets | 9.4555% | 4,133 |
| Core capital (leverage) ratio | 9.6358% | 3,923 |
| Tier 1 risk-based capital ratio | 14.3138% | 3,220 |
| Total risk-based capital ratio | 15.0175% | 3,414 |
| Memoranda: | ||
| Average total assets | $176,398,000 | 3,170 |
| Average earning assets | $167,608,000 | 3,125 |
| Average equity | $16,694,500 | 3,509 |
| Average total loans | $140,816,500 | 2,806 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 3,679 |
| Cost of funding earning assets | 0.7167% | 939 |
| Net interest margin | 3.1965% | 4,454 |
| Noninterest income to average assets | 0.1418% | 5,240 |
| Noninterest expense to average assets | 2.6769% | 3,207 |
| Loan and lease loss provision to assets | 0.0017% | 4,207 |
| Net operating income to assets | 0.1067% | 5,252 |
| Return on assets (ROA) | 0.1067% | 5,256 |
| Pretax return on assets | 0.4964% | 4,936 |
| Return on Equity (ROE) | 1.1438% | 5,215 |
| Retained earnings to average equity (ytd only) | 1.1438% | 4,570 |
| Net charge-offs to loans | 0.0007% | 4,107 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 892.0000% | 93 |
| Efficiency ratio | 84.3123% | 745 |
| Assets per employee ($millions) | 6.2830% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 5,274 |
| Loan loss allowance to noncurrent loans | 224.3169% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 4,096 |
| Noncurrent loans to loans | 0.2594% | 3,859 |
| Net loans and leases to total assets | 79.7374% | 997 |
| Net loans and leases to deposits | 97.0184% | 990 |
| Net loans and leases to core deposits | 99.4759% | 1,753 |
| Total domestic deposits to total assets | 82.1879% | 3,821 |
| Equity capital to assets | 9.4728% | 4,250 |
| Core capital (leverage) ratio | 9.5617% | 3,958 |
| Tier 1 risk-based capital ratio | 14.1866% | 3,267 |
| Total risk-based capital ratio | 14.8790% | 3,475 |
| Memoranda: | ||
| Average total assets | $179,089,000 | 3,128 |
| Average earning assets | $169,938,400 | 3,075 |
| Average equity | $16,698,600 | 3,512 |
| Average total loans | $141,914,400 | 2,752 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,735 |
| Cost of funding earning assets | 0.7189% | 889 |
| Net interest margin | 3.1632% | 4,553 |
| Noninterest income to average assets | 0.1445% | 5,286 |
| Noninterest expense to average assets | 2.6832% | 3,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3032% | 5,210 |
| Return on assets (ROA) | 0.3032% | 5,229 |
| Pretax return on assets | 0.4618% | 5,097 |
| Return on Equity (ROE) | 3.2640% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.2640% | 3,982 |
| Net charge-offs to loans | 0.0009% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 624.5489% | 164 |
| Efficiency ratio | 85.3170% | 667 |
| Assets per employee ($millions) | 6.2953% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5726% | 5,370 |
| Loan loss allowance to noncurrent loans | 202.4752% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 4,143 |
| Noncurrent loans to loans | 0.2828% | 3,936 |
| Net loans and leases to total assets | 80.5818% | 903 |
| Net loans and leases to deposits | 98.1692% | 898 |
| Net loans and leases to core deposits | 101.1566% | 1,612 |
| Total domestic deposits to total assets | 82.0847% | 3,751 |
| Equity capital to assets | 9.6155% | 4,329 |
| Core capital (leverage) ratio | 9.5060% | 4,160 |
| Tier 1 risk-based capital ratio | 14.2227% | 3,341 |
| Total risk-based capital ratio | 14.9056% | 3,541 |
| Memoranda: | ||
| Average total assets | $179,880,000 | 3,139 |
| Average earning assets | $170,627,250 | 3,092 |
| Average equity | $16,707,000 | 3,546 |
| Average total loans | $142,118,250 | 2,772 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 3,825 |
| Cost of funding earning assets | 0.7148% | 825 |
| Net interest margin | 3.1061% | 4,663 |
| Noninterest income to average assets | 0.1436% | 5,340 |
| Noninterest expense to average assets | 2.6816% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2706% | 5,287 |
| Return on assets (ROA) | 0.2706% | 5,307 |
| Pretax return on assets | 0.4087% | 5,165 |
| Return on Equity (ROE) | 2.9471% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.9471% | 3,960 |
| Net charge-offs to loans | 0.0014% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 231 |
| Efficiency ratio | 86.7763% | 623 |
| Assets per employee ($millions) | 6.2470% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5771% | 5,415 |
| Loan loss allowance to noncurrent loans | 121.5453% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 3,631 |
| Noncurrent loans to loans | 0.4748% | 3,323 |
| Net loans and leases to total assets | 77.7950% | 1,275 |
| Net loans and leases to deposits | 95.2824% | 1,143 |
| Net loans and leases to core deposits | 97.8892% | 1,819 |
| Total domestic deposits to total assets | 81.6468% | 3,997 |
| Equity capital to assets | 9.2575% | 4,666 |
| Core capital (leverage) ratio | 9.3405% | 4,311 |
| Tier 1 risk-based capital ratio | 14.2753% | 3,278 |
| Total risk-based capital ratio | 14.9674% | 3,497 |
| Memoranda: | ||
| Average total assets | $181,084,000 | 3,143 |
| Average earning assets | $171,789,330 | 3,087 |
| Average equity | $16,626,330 | 3,567 |
| Average total loans | $141,871,670 | 2,780 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,716 |
| Cost of funding earning assets | 0.7130% | 786 |
| Net interest margin | 3.1011% | 4,647 |
| Noninterest income to average assets | 0.1304% | 5,464 |
| Noninterest expense to average assets | 2.6557% | 3,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2740% | 5,255 |
| Return on assets (ROA) | 0.2740% | 5,270 |
| Pretax return on assets | 0.4154% | 5,135 |
| Return on Equity (ROE) | 2.9963% | 5,100 |
| Retained earnings to average equity (ytd only) | 2.9963% | 3,912 |
| Net charge-offs to loans | -0.0141% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4748% | 766 |
| Assets per employee ($millions) | 6.6790% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 5,515 |
| Loan loss allowance to noncurrent loans | 132.9032% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,821 |
| Noncurrent loans to loans | 0.4328% | 3,547 |
| Net loans and leases to total assets | 78.9855% | 988 |
| Net loans and leases to deposits | 96.7235% | 870 |
| Net loans and leases to core deposits | 99.6544% | 1,528 |
| Total domestic deposits to total assets | 81.6611% | 4,258 |
| Equity capital to assets | 9.2130% | 4,605 |
| Core capital (leverage) ratio | 9.2449% | 4,419 |
| Tier 1 risk-based capital ratio | 14.0150% | 3,465 |
| Total risk-based capital ratio | 14.7044% | 3,722 |
| Memoranda: | ||
| Average total assets | $181,045,000 | 3,175 |
| Average earning assets | $171,678,500 | 3,111 |
| Average equity | $16,554,000 | 3,594 |
| Average total loans | $141,931,000 | 2,790 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 3,754 |
| Cost of funding earning assets | 0.7301% | 700 |
| Net interest margin | 3.1166% | 4,681 |
| Noninterest income to average assets | 0.1377% | 5,502 |
| Noninterest expense to average assets | 2.5886% | 3,711 |
| Loan and lease loss provision to assets | 0.0171% | 4,037 |
| Net operating income to assets | 0.3185% | 5,173 |
| Return on assets (ROA) | 0.3185% | 5,247 |
| Pretax return on assets | 0.4821% | 5,062 |
| Return on Equity (ROE) | 3.5282% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.5282% | 3,425 |
| Net charge-offs to loans | -0.0398% | 5,336 |
| Credit loss provision to net charge-offs | -53.4483% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8317% | 1,024 |
| Assets per employee ($millions) | 6.2675% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5825% | 5,562 |
| Loan loss allowance to noncurrent loans | 147.0377% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 4,049 |
| Noncurrent loans to loans | 0.3962% | 3,727 |
| Net loans and leases to total assets | 76.9060% | 1,377 |
| Net loans and leases to deposits | 94.0008% | 1,192 |
| Net loans and leases to core deposits | 96.8120% | 1,849 |
| Total domestic deposits to total assets | 81.8142% | 4,125 |
| Equity capital to assets | 9.0748% | 4,739 |
| Core capital (leverage) ratio | 9.1525% | 4,547 |
| Tier 1 risk-based capital ratio | 13.3293% | 3,883 |
| Total risk-based capital ratio | 13.9858% | 4,137 |
| Memoranda: | ||
| Average total assets | $180,872,400 | 3,153 |
| Average earning assets | $171,213,800 | 3,098 |
| Average equity | $16,325,600 | 3,649 |
| Average total loans | $145,837,400 | 2,697 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 3,665 |
| Cost of funding earning assets | 0.7277% | 705 |
| Net interest margin | 3.1488% | 4,642 |
| Noninterest income to average assets | 0.1395% | 5,560 |
| Noninterest expense to average assets | 2.5965% | 3,674 |
| Loan and lease loss provision to assets | 0.0221% | 3,800 |
| Net operating income to assets | 0.3284% | 5,217 |
| Return on assets (ROA) | 0.3284% | 5,298 |
| Pretax return on assets | 0.5004% | 5,124 |
| Return on Equity (ROE) | 3.6437% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.6437% | 3,708 |
| Net charge-offs to loans | -0.0118% | 4,828 |
| Credit loss provision to net charge-offs | -230.7692% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2466% | 1,049 |
| Assets per employee ($millions) | 6.3999% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 5,687 |
| Loan loss allowance to noncurrent loans | 72.0410% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 3,110 |
| Noncurrent loans to loans | 0.7490% | 2,798 |
| Net loans and leases to total assets | 79.5126% | 961 |
| Net loans and leases to deposits | 97.4276% | 907 |
| Net loans and leases to core deposits | 100.3868% | 1,596 |
| Total domestic deposits to total assets | 81.6120% | 4,072 |
| Equity capital to assets | 9.2055% | 4,965 |
| Core capital (leverage) ratio | 9.0911% | 4,726 |
| Tier 1 risk-based capital ratio | 13.1456% | 4,071 |
| Total risk-based capital ratio | 13.7616% | 4,368 |
| Memoranda: | ||
| Average total assets | $180,651,250 | 3,167 |
| Average earning assets | $170,938,500 | 3,112 |
| Average equity | $16,283,500 | 3,688 |
| Average total loans | $147,146,500 | 2,685 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 3,636 |
| Cost of funding earning assets | 0.7170% | 737 |
| Net interest margin | 3.1727% | 4,632 |
| Noninterest income to average assets | 0.1402% | 5,613 |
| Noninterest expense to average assets | 2.5462% | 3,895 |
| Loan and lease loss provision to assets | 0.0331% | 3,485 |
| Net operating income to assets | 0.3644% | 5,138 |
| Return on assets (ROA) | 0.3644% | 5,227 |
| Pretax return on assets | 0.5609% | 4,995 |
| Return on Equity (ROE) | 4.0709% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.0709% | 3,314 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0830% | 1,379 |
| Assets per employee ($millions) | 6.1409% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5180% | 5,780 |
| Loan loss allowance to noncurrent loans | 78.9200% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,467 |
| Noncurrent loans to loans | 0.6563% | 3,106 |
| Net loans and leases to total assets | 79.2343% | 1,030 |
| Net loans and leases to deposits | 97.8811% | 903 |
| Net loans and leases to core deposits | 100.7885% | 1,573 |
| Total domestic deposits to total assets | 80.9496% | 4,291 |
| Equity capital to assets | 8.8983% | 5,315 |
| Core capital (leverage) ratio | 8.9780% | 4,854 |
| Tier 1 risk-based capital ratio | 12.8106% | 4,306 |
| Total risk-based capital ratio | 13.4050% | 4,645 |
| Memoranda: | ||
| Average total assets | $181,135,670 | 3,186 |
| Average earning assets | $171,271,000 | 3,129 |
| Average equity | $16,212,670 | 3,706 |
| Average total loans | $148,442,670 | 2,673 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 3,644 |
| Cost of funding earning assets | 0.7099% | 770 |
| Net interest margin | 3.1743% | 4,660 |
| Noninterest income to average assets | 0.1292% | 5,696 |
| Noninterest expense to average assets | 2.5480% | 3,917 |
| Loan and lease loss provision to assets | 0.0668% | 2,627 |
| Net operating income to assets | 0.3341% | 5,198 |
| Return on assets (ROA) | 0.3341% | 5,284 |
| Pretax return on assets | 0.5123% | 5,051 |
| Return on Equity (ROE) | 3.7215% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.7215% | 3,632 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 1,419 |
| Assets per employee ($millions) | 6.4048% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5039% | 5,864 |
| Loan loss allowance to noncurrent loans | 139.7059% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 4,358 |
| Noncurrent loans to loans | 0.3607% | 4,140 |
| Net loans and leases to total assets | 83.6779% | 402 |
| Net loans and leases to deposits | 102.0781% | 507 |
| Net loans and leases to core deposits | 104.9341% | 1,139 |
| Total domestic deposits to total assets | 81.9743% | 4,242 |
| Equity capital to assets | 9.0324% | 5,141 |
| Core capital (leverage) ratio | 9.0371% | 4,804 |
| Tier 1 risk-based capital ratio | 12.3628% | 4,683 |
| Total risk-based capital ratio | 12.9428% | 5,025 |
| Memoranda: | ||
| Average total assets | $179,590,000 | 3,206 |
| Average earning assets | $169,612,000 | 3,158 |
| Average equity | $16,122,500 | 3,711 |
| Average total loans | $149,298,500 | 2,662 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 3,378 |
| Cost of funding earning assets | 0.6799% | 914 |
| Net interest margin | 3.3008% | 4,294 |
| Noninterest income to average assets | 0.1318% | 5,756 |
| Noninterest expense to average assets | 2.7442% | 3,429 |
| Loan and lease loss provision to assets | 0.0138% | 4,128 |
| Net operating income to assets | 0.3168% | 5,311 |
| Return on assets (ROA) | 0.3168% | 5,397 |
| Pretax return on assets | 0.4747% | 5,166 |
| Return on Equity (ROE) | 3.6238% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.6238% | 3,475 |
| Net charge-offs to loans | 0.0728% | 2,787 |
| Credit loss provision to net charge-offs | 23.3645% | 3,718 |
| Earnings coverage of net charge-offs (x) | 8.2430% | 2,982 |
| Efficiency ratio | 84.8869% | 1,099 |
| Assets per employee ($millions) | 6.6610% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4940% | 5,925 |
| Loan loss allowance to noncurrent loans | 146.0000% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 2,836 |
| Noncurrent loans to loans | 0.3384% | 4,252 |
| Net loans and leases to total assets | 81.7612% | 621 |
| Net loans and leases to deposits | 99.6713% | 697 |
| Net loans and leases to core deposits | 102.8251% | 1,305 |
| Total domestic deposits to total assets | 82.0308% | 4,159 |
| Equity capital to assets | 8.9226% | 5,195 |
| Core capital (leverage) ratio | 8.9536% | 4,937 |
| Tier 1 risk-based capital ratio | 12.5252% | 4,612 |
| Total risk-based capital ratio | 13.0935% | 4,965 |
| Memoranda: | ||
| Average total assets | $180,527,600 | 3,164 |
| Average earning assets | $169,593,000 | 3,133 |
| Average equity | $15,784,400 | 3,714 |
| Average total loans | $146,897,600 | 2,640 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 3,368 |
| Cost of funding earning assets | 0.6744% | 959 |
| Net interest margin | 3.3194% | 4,263 |
| Noninterest income to average assets | 0.1601% | 5,685 |
| Noninterest expense to average assets | 2.7876% | 3,237 |
| Loan and lease loss provision to assets | 0.0184% | 3,909 |
| Net operating income to assets | 0.3129% | 5,416 |
| Return on assets (ROA) | 0.3129% | 5,501 |
| Pretax return on assets | 0.4700% | 5,295 |
| Return on Equity (ROE) | 3.5965% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.5965% | 3,911 |
| Net charge-offs to loans | 0.0973% | 2,180 |
| Credit loss provision to net charge-offs | 23.3645% | 3,338 |
| Earnings coverage of net charge-offs (x) | 6.1870% | 3,086 |
| Efficiency ratio | 85.0901% | 1,079 |
| Assets per employee ($millions) | 6.2114% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4985% | 6,020 |
| Loan loss allowance to noncurrent loans | 178.4841% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 2,780 |
| Noncurrent loans to loans | 0.2793% | 4,579 |
| Net loans and leases to total assets | 80.8846% | 712 |
| Net loans and leases to deposits | 101.2389% | 596 |
| Net loans and leases to core deposits | 104.6974% | 1,187 |
| Total domestic deposits to total assets | 79.8947% | 4,774 |
| Equity capital to assets | 8.8430% | 5,446 |
| Core capital (leverage) ratio | 8.8574% | 5,172 |
| Tier 1 risk-based capital ratio | 12.4465% | 4,795 |
| Total risk-based capital ratio | 13.0165% | 5,145 |
| Memoranda: | ||
| Average total assets | $180,697,750 | 3,183 |
| Average earning assets | $169,622,750 | 3,153 |
| Average equity | $15,718,750 | 3,759 |
| Average total loans | $146,678,250 | 2,651 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 3,195 |
| Cost of funding earning assets | 0.6646% | 1,025 |
| Net interest margin | 3.3574% | 4,069 |
| Noninterest income to average assets | 0.0840% | 6,079 |
| Noninterest expense to average assets | 2.7443% | 3,433 |
| Loan and lease loss provision to assets | 0.0276% | 3,577 |
| Net operating income to assets | 0.3074% | 5,417 |
| Return on assets (ROA) | 0.3074% | 5,517 |
| Pretax return on assets | 0.4622% | 5,322 |
| Return on Equity (ROE) | 3.5530% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.5530% | 3,766 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8547% | 1,170 |
| Assets per employee ($millions) | 6.0444% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5728% | 6,013 |
| Loan loss allowance to noncurrent loans | 173.2919% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 2,594 |
| Noncurrent loans to loans | 0.3305% | 4,507 |
| Net loans and leases to total assets | 80.1217% | 783 |
| Net loans and leases to deposits | 98.5899% | 745 |
| Net loans and leases to core deposits | 102.2485% | 1,312 |
| Total domestic deposits to total assets | 81.2676% | 4,526 |
| Equity capital to assets | 8.6939% | 5,530 |
| Core capital (leverage) ratio | 8.6823% | 5,341 |
| Tier 1 risk-based capital ratio | 12.4020% | 4,872 |
| Total risk-based capital ratio | 13.0591% | 5,179 |
| Memoranda: | ||
| Average total assets | $180,886,330 | 3,205 |
| Average earning assets | $169,715,000 | 3,166 |
| Average equity | $15,648,670 | 3,791 |
| Average total loans | $146,761,330 | 2,662 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 2,933 |
| Cost of funding earning assets | 0.6541% | 1,091 |
| Net interest margin | 3.4217% | 3,753 |
| Noninterest income to average assets | 0.1306% | 5,944 |
| Noninterest expense to average assets | 2.7100% | 3,550 |
| Loan and lease loss provision to assets | 0.0310% | 3,274 |
| Net operating income to assets | 0.3919% | 5,097 |
| Return on assets (ROA) | 0.3919% | 5,213 |
| Pretax return on assets | 0.5978% | 4,920 |
| Return on Equity (ROE) | 4.5412% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.5412% | 3,303 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1671% | 1,733 |
| Assets per employee ($millions) | 6.3075% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5591% | 6,109 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 2,621 |
| Noncurrent loans to loans | 0.3594% | 4,515 |
| Net loans and leases to total assets | 80.3114% | 652 |
| Net loans and leases to deposits | 99.8423% | 573 |
| Net loans and leases to core deposits | 103.5447% | 1,095 |
| Total domestic deposits to total assets | 80.4382% | 4,948 |
| Equity capital to assets | 8.5793% | 5,679 |
| Core capital (leverage) ratio | 8.6628% | 5,361 |
| Tier 1 risk-based capital ratio | 12.3347% | 5,022 |
| Total risk-based capital ratio | 12.9838% | 5,320 |
| Memoranda: | ||
| Average total assets | $180,663,000 | 3,224 |
| Average earning assets | $169,390,000 | 3,186 |
| Average equity | $15,590,500 | 3,817 |
| Average total loans | $147,080,000 | 2,661 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,899 |
| Cost of funding earning assets | 0.5871% | 1,885 |
| Net interest margin | 3.3678% | 4,337 |
| Noninterest income to average assets | 0.1524% | 5,933 |
| Noninterest expense to average assets | 2.7828% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3559% | 5,363 |
| Return on assets (ROA) | 0.3559% | 5,435 |
| Pretax return on assets | 0.5424% | 5,129 |
| Return on Equity (ROE) | 4.1326% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.1326% | 3,261 |
| Net charge-offs to loans | 0.1446% | 2,595 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.6537% | 3,594 |
| Efficiency ratio | 83.6895% | 1,448 |
| Assets per employee ($millions) | 6.6077% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5545% | 6,200 |
| Loan loss allowance to noncurrent loans | 123.5921% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.1093% | 2,532 |
| Noncurrent loans to loans | 0.4487% | 4,297 |
| Net loans and leases to total assets | 81.6208% | 563 |
| Net loans and leases to deposits | 101.9534% | 514 |
| Net loans and leases to core deposits | 106.4965% | 984 |
| Total domestic deposits to total assets | 80.0569% | 5,000 |
| Equity capital to assets | 8.6812% | 5,587 |
| Core capital (leverage) ratio | 8.6355% | 5,400 |
| Tier 1 risk-based capital ratio | 12.4329% | 5,074 |
| Total risk-based capital ratio | 13.0835% | 5,382 |
| Memoranda: | ||
| Average total assets | $175,901,000 | 3,264 |
| Average earning assets | $165,718,000 | 3,206 |
| Average equity | $15,148,000 | 3,808 |
| Average total loans | $141,744,600 | 2,690 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 4,161 |
| Cost of funding earning assets | 0.5740% | 2,071 |
| Net interest margin | 3.3288% | 4,510 |
| Noninterest income to average assets | 0.1750% | 5,870 |
| Noninterest expense to average assets | 2.8100% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3378% | 5,463 |
| Return on assets (ROA) | 0.3378% | 5,537 |
| Pretax return on assets | 0.5059% | 5,312 |
| Return on Equity (ROE) | 3.9301% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.9301% | 3,850 |
| Net charge-offs to loans | 0.1944% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.2438% | 3,700 |
| Efficiency ratio | 84.7442% | 1,311 |
| Assets per employee ($millions) | 6.4261% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5657% | 6,265 |
| Loan loss allowance to noncurrent loans | 56.0000% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 2,816 |
| Noncurrent loans to loans | 1.0101% | 3,049 |
| Net loans and leases to total assets | 79.3282% | 796 |
| Net loans and leases to deposits | 102.2406% | 492 |
| Net loans and leases to core deposits | 106.4558% | 929 |
| Total domestic deposits to total assets | 77.5897% | 5,594 |
| Equity capital to assets | 8.5027% | 5,795 |
| Core capital (leverage) ratio | 8.6402% | 5,508 |
| Tier 1 risk-based capital ratio | 12.6507% | 5,063 |
| Total risk-based capital ratio | 13.3205% | 5,357 |
| Memoranda: | ||
| Average total assets | $175,274,250 | 3,290 |
| Average earning assets | $165,380,000 | 3,242 |
| Average equity | $15,063,000 | 3,846 |
| Average total loans | $140,573,250 | 2,720 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8883% | 4,183 |
| Cost of funding earning assets | 0.5705% | 2,160 |
| Net interest margin | 3.3179% | 4,517 |
| Noninterest income to average assets | 0.1784% | 5,881 |
| Noninterest expense to average assets | 2.8171% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3304% | 5,465 |
| Return on assets (ROA) | 0.3304% | 5,539 |
| Pretax return on assets | 0.4950% | 5,285 |
| Return on Equity (ROE) | 3.8307% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.8307% | 3,742 |
| Net charge-offs to loans | 0.1060% | 2,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.8108% | 2,867 |
| Efficiency ratio | 85.0539% | 1,374 |
| Assets per employee ($millions) | 5.8641% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6566% | 6,236 |
| Loan loss allowance to noncurrent loans | 48.5832% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.2568% | 2,595 |
| Noncurrent loans to loans | 1.3515% | 2,550 |
| Net loans and leases to total assets | 81.0975% | 562 |
| Net loans and leases to deposits | 101.3101% | 491 |
| Net loans and leases to core deposits | 105.0125% | 961 |
| Total domestic deposits to total assets | 80.0488% | 5,223 |
| Equity capital to assets | 8.6151% | 5,701 |
| Core capital (leverage) ratio | 8.6950% | 5,401 |
| Tier 1 risk-based capital ratio | 12.4136% | 5,287 |
| Total risk-based capital ratio | 13.1849% | 5,503 |
| Memoranda: | ||
| Average total assets | $173,722,000 | 3,328 |
| Average earning assets | $164,080,330 | 3,265 |
| Average equity | $14,984,330 | 3,858 |
| Average total loans | $139,581,670 | 2,738 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,038 |
| Cost of funding earning assets | 0.5713% | 2,232 |
| Net interest margin | 3.3393% | 4,377 |
| Noninterest income to average assets | 0.1529% | 6,056 |
| Noninterest expense to average assets | 2.8571% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3036% | 5,476 |
| Return on assets (ROA) | 0.3036% | 5,524 |
| Pretax return on assets | 0.4519% | 5,303 |
| Return on Equity (ROE) | 3.5171% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.5171% | 4,021 |
| Net charge-offs to loans | 0.1628% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.4821% | 2,679 |
| Efficiency ratio | 86.3445% | 1,411 |
| Assets per employee ($millions) | 5.9557% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 6,284 |
| Loan loss allowance to noncurrent loans | 107.2545% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 4,094 |
| Noncurrent loans to loans | 0.6512% | 4,233 |
| Net loans and leases to total assets | 79.1043% | 648 |
| Net loans and leases to deposits | 96.4117% | 628 |
| Net loans and leases to core deposits | 100.5372% | 1,065 |
| Total domestic deposits to total assets | 82.0485% | 4,932 |
| Equity capital to assets | 8.6715% | 5,468 |
| Core capital (leverage) ratio | 8.7262% | 5,351 |
| Tier 1 risk-based capital ratio | 12.8669% | 5,085 |
| Total risk-based capital ratio | 13.6901% | 5,287 |
| Memoranda: | ||
| Average total assets | $172,621,000 | 3,371 |
| Average earning assets | $163,149,500 | 3,306 |
| Average equity | $14,898,500 | 3,878 |
| Average total loans | $137,566,000 | 2,768 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 4,251 |
| Cost of funding earning assets | 0.6287% | 2,401 |
| Net interest margin | 3.3291% | 4,558 |
| Noninterest income to average assets | 0.1886% | 5,956 |
| Noninterest expense to average assets | 2.7402% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3896% | 5,179 |
| Return on assets (ROA) | 0.3896% | 5,289 |
| Pretax return on assets | 0.5882% | 4,902 |
| Return on Equity (ROE) | 4.5368% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.5368% | 2,940 |
| Net charge-offs to loans | -0.0641% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3268% | 1,835 |
| Assets per employee ($millions) | 5.9492% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 6,294 |
| Loan loss allowance to noncurrent loans | 83.7727% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 4,144 |
| Noncurrent loans to loans | 0.8826% | 3,776 |
| Net loans and leases to total assets | 79.1349% | 695 |
| Net loans and leases to deposits | 94.3408% | 855 |
| Net loans and leases to core deposits | 98.1094% | 1,298 |
| Total domestic deposits to total assets | 83.8819% | 4,210 |
| Equity capital to assets | 8.5900% | 5,486 |
| Core capital (leverage) ratio | 8.6012% | 5,542 |
| Tier 1 risk-based capital ratio | 12.8238% | 5,104 |
| Total risk-based capital ratio | 13.6996% | 5,265 |
| Memoranda: | ||
| Average total assets | $169,149,200 | 3,421 |
| Average earning assets | $159,534,800 | 3,356 |
| Average equity | $14,525,800 | 3,960 |
| Average total loans | $131,096,800 | 2,842 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 4,294 |
| Cost of funding earning assets | 0.6329% | 2,520 |
| Net interest margin | 3.3235% | 4,552 |
| Noninterest income to average assets | 0.1981% | 5,992 |
| Noninterest expense to average assets | 2.7545% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3866% | 5,294 |
| Return on assets (ROA) | 0.3866% | 5,433 |
| Pretax return on assets | 0.5759% | 5,108 |
| Return on Equity (ROE) | 4.5021% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.5021% | 3,471 |
| Net charge-offs to loans | -0.0916% | 6,478 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7069% | 1,734 |
| Assets per employee ($millions) | 5.8353% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 6,352 |
| Loan loss allowance to noncurrent loans | 87.8762% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 4,396 |
| Noncurrent loans to loans | 0.8652% | 4,090 |
| Net loans and leases to total assets | 78.8306% | 664 |
| Net loans and leases to deposits | 92.7684% | 919 |
| Net loans and leases to core deposits | 96.4019% | 1,357 |
| Total domestic deposits to total assets | 84.9756% | 3,764 |
| Equity capital to assets | 8.6624% | 5,553 |
| Core capital (leverage) ratio | 8.7009% | 5,536 |
| Tier 1 risk-based capital ratio | 12.9809% | 5,139 |
| Total risk-based capital ratio | 13.8821% | 5,314 |
| Memoranda: | ||
| Average total assets | $168,304,750 | 3,479 |
| Average earning assets | $158,625,750 | 3,402 |
| Average equity | $14,452,250 | 4,025 |
| Average total loans | $129,484,500 | 2,894 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 4,204 |
| Cost of funding earning assets | 0.6338% | 2,644 |
| Net interest margin | 3.3417% | 4,413 |
| Noninterest income to average assets | 0.1929% | 6,055 |
| Noninterest expense to average assets | 2.7715% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3833% | 5,274 |
| Return on assets (ROA) | 0.3833% | 5,443 |
| Pretax return on assets | 0.5726% | 5,123 |
| Return on Equity (ROE) | 4.4774% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.4774% | 3,415 |
| Net charge-offs to loans | -0.1909% | 6,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8765% | 1,776 |
| Assets per employee ($millions) | 5.5145% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 6,337 |
| Loan loss allowance to noncurrent loans | 99.1541% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 4,676 |
| Noncurrent loans to loans | 0.8165% | 4,278 |
| Net loans and leases to total assets | 75.6135% | 1,030 |
| Net loans and leases to deposits | 86.9105% | 1,467 |
| Net loans and leases to core deposits | 90.0354% | 1,904 |
| Total domestic deposits to total assets | 87.0015% | 2,822 |
| Equity capital to assets | 8.4820% | 5,781 |
| Core capital (leverage) ratio | 8.6671% | 5,465 |
| Tier 1 risk-based capital ratio | 13.0188% | 5,133 |
| Total risk-based capital ratio | 13.9624% | 5,284 |
| Memoranda: | ||
| Average total assets | $167,998,000 | 3,496 |
| Average earning assets | $158,420,000 | 3,423 |
| Average equity | $14,383,330 | 4,074 |
| Average total loans | $127,838,330 | 2,920 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 4,127 |
| Cost of funding earning assets | 0.6529% | 2,627 |
| Net interest margin | 3.3436% | 4,342 |
| Noninterest income to average assets | 0.1681% | 6,255 |
| Noninterest expense to average assets | 2.8056% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3459% | 5,373 |
| Return on assets (ROA) | 0.3459% | 5,516 |
| Pretax return on assets | 0.5116% | 5,217 |
| Return on Equity (ROE) | 4.0209% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.0209% | 3,818 |
| Net charge-offs to loans | -0.0126% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5764% | 1,693 |
| Assets per employee ($millions) | 5.5592% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7326% | 6,545 |
| Loan loss allowance to noncurrent loans | 75.5645% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 4,510 |
| Noncurrent loans to loans | 0.9695% | 4,193 |
| Net loans and leases to total assets | 76.1285% | 823 |
| Net loans and leases to deposits | 87.0827% | 1,237 |
| Net loans and leases to core deposits | 90.0013% | 1,692 |
| Total domestic deposits to total assets | 87.4209% | 2,677 |
| Equity capital to assets | 8.6331% | 5,878 |
| Core capital (leverage) ratio | 8.6658% | 5,371 |
| Tier 1 risk-based capital ratio | 12.9972% | 5,221 |
| Total risk-based capital ratio | 13.8443% | 5,467 |
| Memoranda: | ||
| Average total assets | $166,521,500 | 3,555 |
| Average earning assets | $156,838,000 | 3,486 |
| Average equity | $14,325,000 | 4,131 |
| Average total loans | $126,599,000 | 2,955 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 4,756 |
| Cost of funding earning assets | 0.8138% | 2,554 |
| Net interest margin | 3.3399% | 5,105 |
| Noninterest income to average assets | 0.1859% | 6,065 |
| Noninterest expense to average assets | 2.7160% | 4,342 |
| Loan and lease loss provision to assets | 0.0941% | 4,490 |
| Net operating income to assets | 0.3599% | 5,253 |
| Return on assets (ROA) | 0.3599% | 5,480 |
| Pretax return on assets | 0.5208% | 5,219 |
| Return on Equity (ROE) | 4.3375% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.3375% | 3,178 |
| Net charge-offs to loans | 0.2413% | 3,497 |
| Credit loss provision to net charge-offs | 54.4828% | 4,589 |
| Earnings coverage of net charge-offs (x) | 3.5586% | 3,683 |
| Efficiency ratio | 81.5385% | 1,937 |
| Assets per employee ($millions) | 5.7333% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 6,576 |
| Loan loss allowance to noncurrent loans | 156.2814% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 5,610 |
| Noncurrent loans to loans | 0.4765% | 5,331 |
| Net loans and leases to total assets | 74.7978% | 1,078 |
| Net loans and leases to deposits | 85.5500% | 1,570 |
| Net loans and leases to core deposits | 88.4492% | 2,036 |
| Total domestic deposits to total assets | 87.4317% | 2,561 |
| Equity capital to assets | 8.5718% | 5,986 |
| Core capital (leverage) ratio | 8.5313% | 5,564 |
| Tier 1 risk-based capital ratio | 13.1886% | 4,973 |
| Total risk-based capital ratio | 14.0532% | 5,187 |
| Memoranda: | ||
| Average total assets | $167,822,200 | 3,490 |
| Average earning assets | $158,030,000 | 3,403 |
| Average equity | $13,925,200 | 4,173 |
| Average total loans | $120,193,800 | 3,072 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 4,985 |
| Cost of funding earning assets | 0.8442% | 2,594 |
| Net interest margin | 3.3061% | 5,371 |
| Noninterest income to average assets | 0.1918% | 6,149 |
| Noninterest expense to average assets | 2.6854% | 4,424 |
| Loan and lease loss provision to assets | 0.1078% | 4,222 |
| Net operating income to assets | 0.3480% | 5,441 |
| Return on assets (ROA) | 0.3480% | 5,644 |
| Pretax return on assets | 0.5120% | 5,431 |
| Return on Equity (ROE) | 4.2281% | 5,182 |
| Retained earnings to average equity (ytd only) | 4.2281% | 3,919 |
| Net charge-offs to loans | 0.3251% | 2,827 |
| Credit loss provision to net charge-offs | 46.8966% | 4,471 |
| Earnings coverage of net charge-offs (x) | 2.6965% | 3,957 |
| Efficiency ratio | 81.2470% | 1,902 |
| Assets per employee ($millions) | 5.8314% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 6,701 |
| Loan loss allowance to noncurrent loans | 65.9667% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 4,658 |
| Noncurrent loans to loans | 1.1163% | 4,195 |
| Net loans and leases to total assets | 72.6172% | 1,451 |
| Net loans and leases to deposits | 82.6873% | 2,031 |
| Net loans and leases to core deposits | 85.7725% | 2,493 |
| Total domestic deposits to total assets | 87.8215% | 2,160 |
| Equity capital to assets | 8.3366% | 6,393 |
| Core capital (leverage) ratio | 8.2303% | 6,104 |
| Tier 1 risk-based capital ratio | 13.1326% | 5,141 |
| Total risk-based capital ratio | 13.9831% | 5,415 |
| Memoranda: | ||
| Average total assets | $168,211,000 | 3,521 |
| Average earning assets | $158,412,250 | 3,442 |
| Average equity | $13,843,500 | 4,226 |
| Average total loans | $118,918,000 | 3,142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 5,008 |
| Cost of funding earning assets | 0.8807% | 2,556 |
| Net interest margin | 3.3037% | 5,432 |
| Noninterest income to average assets | 0.1882% | 6,219 |
| Noninterest expense to average assets | 2.7038% | 4,403 |
| Loan and lease loss provision to assets | 0.1191% | 4,044 |
| Net operating income to assets | 0.3228% | 5,530 |
| Return on assets (ROA) | 0.3228% | 5,736 |
| Pretax return on assets | 0.4753% | 5,504 |
| Return on Equity (ROE) | 3.9393% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.9393% | 3,995 |
| Net charge-offs to loans | 0.4995% | 2,086 |
| Credit loss provision to net charge-offs | 34.1297% | 4,373 |
| Earnings coverage of net charge-offs (x) | 1.7031% | 4,134 |
| Efficiency ratio | 81.9791% | 1,881 |
| Assets per employee ($millions) | 5.9544% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 6,789 |
| Loan loss allowance to noncurrent loans | 50.5800% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 4,377 |
| Noncurrent loans to loans | 1.4449% | 3,745 |
| Net loans and leases to total assets | 68.5909% | 2,189 |
| Net loans and leases to deposits | 77.9747% | 2,675 |
| Net loans and leases to core deposits | 80.1247% | 3,198 |
| Total domestic deposits to total assets | 87.9655% | 2,165 |
| Equity capital to assets | 8.0560% | 6,536 |
| Core capital (leverage) ratio | 8.2005% | 6,050 |
| Tier 1 risk-based capital ratio | 13.5007% | 4,822 |
| Total risk-based capital ratio | 14.3477% | 5,098 |
| Memoranda: | ||
| Average total assets | $167,911,330 | 3,534 |
| Average earning assets | $158,063,670 | 3,462 |
| Average equity | $13,758,670 | 4,244 |
| Average total loans | $117,319,330 | 3,192 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 4,644 |
| Cost of funding earning assets | 0.9227% | 2,495 |
| Net interest margin | 3.4004% | 5,118 |
| Noninterest income to average assets | 0.1595% | 6,430 |
| Noninterest expense to average assets | 2.7887% | 4,081 |
| Loan and lease loss provision to assets | 0.1812% | 3,162 |
| Net operating income to assets | 0.2706% | 5,743 |
| Return on assets (ROA) | 0.2706% | 5,908 |
| Pretax return on assets | 0.3866% | 5,757 |
| Return on Equity (ROE) | 3.2743% | 5,604 |
| Retained earnings to average equity (ytd only) | 3.2743% | 4,606 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0814% | 1,790 |
| Assets per employee ($millions) | 5.7584% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,315 |
| Loan loss allowance to noncurrent loans | 60.3494% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 4,244 |
| Noncurrent loans to loans | 1.6269% | 3,671 |
| Net loans and leases to total assets | 68.8458% | 1,962 |
| Net loans and leases to deposits | 78.5517% | 2,408 |
| Net loans and leases to core deposits | 80.8121% | 2,969 |
| Total domestic deposits to total assets | 87.6439% | 2,559 |
| Equity capital to assets | 8.2260% | 6,339 |
| Core capital (leverage) ratio | 8.3257% | 5,833 |
| Tier 1 risk-based capital ratio | 13.6553% | 4,714 |
| Total risk-based capital ratio | 14.7883% | 4,785 |
| Memoranda: | ||
| Average total assets | $165,527,500 | 3,589 |
| Average earning assets | $155,627,000 | 3,520 |
| Average equity | $13,682,500 | 4,261 |
| Average total loans | $116,322,000 | 3,224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 4,863 |
| Cost of funding earning assets | 1.0719% | 2,863 |
| Net interest margin | 3.4818% | 5,215 |
| Noninterest income to average assets | 0.1789% | 6,210 |
| Noninterest expense to average assets | 2.5950% | 5,117 |
| Loan and lease loss provision to assets | 0.1961% | 4,225 |
| Net operating income to assets | 0.4669% | 4,554 |
| Return on assets (ROA) | 0.4669% | 4,764 |
| Pretax return on assets | 0.6599% | 4,472 |
| Return on Equity (ROE) | 5.7615% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.7615% | 2,146 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1953% | 3,032 |
| Assets per employee ($millions) | 5.6572% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 6,503 |
| Loan loss allowance to noncurrent loans | 61.8467% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 4,513 |
| Noncurrent loans to loans | 1.4777% | 3,938 |
| Net loans and leases to total assets | 70.3828% | 1,954 |
| Net loans and leases to deposits | 80.2003% | 2,488 |
| Net loans and leases to core deposits | 82.5487% | 3,099 |
| Total domestic deposits to total assets | 87.7587% | 2,305 |
| Equity capital to assets | 8.3067% | 6,345 |
| Core capital (leverage) ratio | 8.3355% | 5,802 |
| Tier 1 risk-based capital ratio | 13.4952% | 4,699 |
| Total risk-based capital ratio | 14.5498% | 4,817 |
| Memoranda: | ||
| Average total assets | $163,200,000 | 3,586 |
| Average earning assets | $153,369,200 | 3,523 |
| Average equity | $13,225,800 | 4,297 |
| Average total loans | $119,215,600 | 3,188 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 4,959 |
| Cost of funding earning assets | 1.0939% | 3,020 |
| Net interest margin | 3.4837% | 5,251 |
| Noninterest income to average assets | 0.1857% | 6,267 |
| Noninterest expense to average assets | 2.5883% | 5,127 |
| Loan and lease loss provision to assets | 0.1841% | 4,195 |
| Net operating income to assets | 0.4614% | 4,719 |
| Return on assets (ROA) | 0.4614% | 4,909 |
| Pretax return on assets | 0.6880% | 4,523 |
| Return on Equity (ROE) | 5.7293% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.7293% | 2,720 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7991% | 3,037 |
| Assets per employee ($millions) | 5.8174% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 6,748 |
| Loan loss allowance to noncurrent loans | 135.8025% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 5,971 |
| Noncurrent loans to loans | 0.6154% | 5,660 |
| Net loans and leases to total assets | 72.1163% | 1,681 |
| Net loans and leases to deposits | 82.0582% | 2,346 |
| Net loans and leases to core deposits | 84.4662% | 2,990 |
| Total domestic deposits to total assets | 87.8842% | 2,102 |
| Equity capital to assets | 8.2450% | 6,531 |
| Core capital (leverage) ratio | 8.1871% | 6,147 |
| Tier 1 risk-based capital ratio | 13.0438% | 5,064 |
| Total risk-based capital ratio | 14.0104% | 5,269 |
| Memoranda: | ||
| Average total assets | $162,985,000 | 3,621 |
| Average earning assets | $153,205,750 | 3,546 |
| Average equity | $13,125,250 | 4,323 |
| Average total loans | $119,885,750 | 3,200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 4,955 |
| Cost of funding earning assets | 1.1078% | 3,181 |
| Net interest margin | 3.4931% | 5,192 |
| Noninterest income to average assets | 0.1853% | 6,336 |
| Noninterest expense to average assets | 2.6353% | 5,057 |
| Loan and lease loss provision to assets | 0.1840% | 4,079 |
| Net operating income to assets | 0.4331% | 4,799 |
| Return on assets (ROA) | 0.4331% | 4,944 |
| Pretax return on assets | 0.6466% | 4,585 |
| Return on Equity (ROE) | 5.4209% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.4209% | 2,728 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0354% | 3,004 |
| Assets per employee ($millions) | 5.8425% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 6,938 |
| Loan loss allowance to noncurrent loans | 1,452.3810% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 6,997 |
| Noncurrent loans to loans | 0.0524% | 6,855 |
| Net loans and leases to total assets | 72.9059% | 1,613 |
| Net loans and leases to deposits | 82.7524% | 2,324 |
| Net loans and leases to core deposits | 84.4038% | 3,149 |
| Total domestic deposits to total assets | 88.1013% | 2,080 |
| Equity capital to assets | 8.0806% | 6,617 |
| Core capital (leverage) ratio | 8.0918% | 6,176 |
| Tier 1 risk-based capital ratio | 12.7736% | 5,113 |
| Total risk-based capital ratio | 13.6625% | 5,407 |
| Memoranda: | ||
| Average total assets | $163,017,670 | 3,631 |
| Average earning assets | $153,102,670 | 3,573 |
| Average equity | $13,023,670 | 4,340 |
| Average total loans | $120,361,670 | 3,222 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 5,023 |
| Cost of funding earning assets | 1.1284% | 3,303 |
| Net interest margin | 3.4532% | 5,209 |
| Noninterest income to average assets | 0.1794% | 6,437 |
| Noninterest expense to average assets | 2.7014% | 4,832 |
| Loan and lease loss provision to assets | 0.1844% | 3,770 |
| Net operating income to assets | 0.3736% | 5,052 |
| Return on assets (ROA) | 0.3736% | 5,136 |
| Pretax return on assets | 0.5359% | 4,912 |
| Return on Equity (ROE) | 4.7037% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.7037% | 3,375 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9511% | 2,700 |
| Assets per employee ($millions) | 5.5899% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 7,079 |
| Loan loss allowance to noncurrent loans | 324.3243% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 6,763 |
| Noncurrent loans to loans | 0.2151% | 6,543 |
| Net loans and leases to total assets | 73.7718% | 1,382 |
| Net loans and leases to deposits | 84.2990% | 1,982 |
| Net loans and leases to core deposits | 85.5394% | 2,948 |
| Total domestic deposits to total assets | 87.5120% | 2,655 |
| Equity capital to assets | 8.0304% | 6,464 |
| Core capital (leverage) ratio | 7.9786% | 6,282 |
| Tier 1 risk-based capital ratio | 12.5191% | 5,245 |
| Total risk-based capital ratio | 13.3313% | 5,609 |
| Memoranda: | ||
| Average total assets | $162,732,000 | 3,658 |
| Average earning assets | $152,788,000 | 3,595 |
| Average equity | $12,926,000 | 4,354 |
| Average total loans | $120,452,000 | 3,250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 5,276 |
| Cost of funding earning assets | 1.3857% | 3,359 |
| Net interest margin | 3.4536% | 5,415 |
| Noninterest income to average assets | 0.1706% | 6,516 |
| Noninterest expense to average assets | 2.6231% | 5,321 |
| Loan and lease loss provision to assets | 0.0710% | 6,432 |
| Net operating income to assets | 0.4943% | 4,124 |
| Return on assets (ROA) | 0.4943% | 4,281 |
| Pretax return on assets | 0.7195% | 3,903 |
| Return on Equity (ROE) | 6.5694% | 3,313 |
| Retained earnings to average equity (ytd only) | 6.5694% | 1,524 |
| Net charge-offs to loans | 0.0016% | 6,841 |
| Credit loss provision to net charge-offs | 5,850.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 30 |
| Efficiency ratio | 76.8410% | 2,896 |
| Assets per employee ($millions) | 5.6330% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 7,198 |
| Loan loss allowance to noncurrent loans | 307.4219% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 6,841 |
| Noncurrent loans to loans | 0.2125% | 6,644 |
| Net loans and leases to total assets | 73.2676% | 1,812 |
| Net loans and leases to deposits | 83.1391% | 2,596 |
| Net loans and leases to core deposits | 84.1610% | 3,571 |
| Total domestic deposits to total assets | 88.1265% | 2,177 |
| Equity capital to assets | 7.8565% | 6,631 |
| Core capital (leverage) ratio | 7.7513% | 6,498 |
| Tier 1 risk-based capital ratio | 12.0931% | 5,393 |
| Total risk-based capital ratio | 12.8594% | 5,819 |
| Memoranda: | ||
| Average total assets | $164,688,200 | 3,621 |
| Average earning assets | $154,649,200 | 3,559 |
| Average equity | $12,390,800 | 4,508 |
| Average total loans | $126,669,200 | 3,188 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 5,183 |
| Cost of funding earning assets | 1.4428% | 3,312 |
| Net interest margin | 3.4758% | 5,385 |
| Noninterest income to average assets | 0.1705% | 6,662 |
| Noninterest expense to average assets | 2.6663% | 5,020 |
| Loan and lease loss provision to assets | 0.1818% | 5,225 |
| Net operating income to assets | 0.4072% | 4,720 |
| Return on assets (ROA) | 0.4072% | 4,895 |
| Pretax return on assets | 0.5866% | 4,642 |
| Return on Equity (ROE) | 5.4721% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.4721% | 2,668 |
| Net charge-offs to loans | 0.0021% | 6,650 |
| Credit loss provision to net charge-offs | 11,250.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 474.8951% | 68 |
| Efficiency ratio | 77.6288% | 2,674 |
| Assets per employee ($millions) | 5.4846% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 7,183 |
| Loan loss allowance to noncurrent loans | 351.9685% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 6,953 |
| Noncurrent loans to loans | 0.2021% | 6,774 |
| Net loans and leases to total assets | 78.4627% | 962 |
| Net loans and leases to deposits | 89.0403% | 1,850 |
| Net loans and leases to core deposits | 90.4189% | 3,040 |
| Total domestic deposits to total assets | 88.1204% | 1,888 |
| Equity capital to assets | 7.8741% | 6,885 |
| Core capital (leverage) ratio | 7.3577% | 6,971 |
| Tier 1 risk-based capital ratio | 11.4137% | 6,005 |
| Total risk-based capital ratio | 12.2527% | 6,361 |
| Memoranda: | ||
| Average total assets | $165,021,250 | 3,667 |
| Average earning assets | $154,971,250 | 3,596 |
| Average equity | $12,280,000 | 4,604 |
| Average total loans | $128,218,000 | 3,199 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 5,303 |
| Cost of funding earning assets | 1.4512% | 3,549 |
| Net interest margin | 3.4707% | 5,363 |
| Noninterest income to average assets | 0.1712% | 6,679 |
| Noninterest expense to average assets | 2.6705% | 5,034 |
| Loan and lease loss provision to assets | 0.1796% | 5,074 |
| Net operating income to assets | 0.4048% | 4,733 |
| Return on assets (ROA) | 0.4048% | 4,896 |
| Pretax return on assets | 0.5832% | 4,612 |
| Return on Equity (ROE) | 5.5416% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.5416% | 2,589 |
| Net charge-offs to loans | 0.0031% | 6,338 |
| Credit loss provision to net charge-offs | 7,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 318.5000% | 106 |
| Efficiency ratio | 77.7817% | 2,763 |
| Assets per employee ($millions) | 5.3346% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 7,348 |
| Loan loss allowance to noncurrent loans | 1,240.9091% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 7,302 |
| Noncurrent loans to loans | 0.0519% | 7,187 |
| Net loans and leases to total assets | 73.9935% | 1,910 |
| Net loans and leases to deposits | 85.8535% | 2,528 |
| Net loans and leases to core deposits | 87.5877% | 3,603 |
| Total domestic deposits to total assets | 86.1857% | 2,990 |
| Equity capital to assets | 7.2393% | 7,255 |
| Core capital (leverage) ratio | 7.1728% | 7,084 |
| Tier 1 risk-based capital ratio | 10.8603% | 6,387 |
| Total risk-based capital ratio | 11.6018% | 6,779 |
| Memoranda: | ||
| Average total assets | $167,010,330 | 3,649 |
| Average earning assets | $156,970,670 | 3,575 |
| Average equity | $12,198,670 | 4,628 |
| Average total loans | $129,060,000 | 3,214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 5,141 |
| Cost of funding earning assets | 1.5074% | 3,505 |
| Net interest margin | 3.4666% | 5,301 |
| Noninterest income to average assets | 0.1598% | 6,827 |
| Noninterest expense to average assets | 2.7246% | 4,791 |
| Loan and lease loss provision to assets | 0.1816% | 4,705 |
| Net operating income to assets | 0.3536% | 5,062 |
| Return on assets (ROA) | 0.3536% | 5,183 |
| Pretax return on assets | 0.5062% | 4,939 |
| Return on Equity (ROE) | 4.8189% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.8189% | 3,258 |
| Net charge-offs to loans | 0.0062% | 5,523 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 234 |
| Efficiency ratio | 79.8439% | 2,590 |
| Assets per employee ($millions) | 5.3590% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 7,529 |
| Loan loss allowance to noncurrent loans | 1,127.2727% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 7,395 |
| Noncurrent loans to loans | 0.0511% | 7,275 |
| Net loans and leases to total assets | 77.2690% | 1,286 |
| Net loans and leases to deposits | 89.9533% | 1,910 |
| Net loans and leases to core deposits | 92.4601% | 3,051 |
| Total domestic deposits to total assets | 85.8990% | 3,212 |
| Equity capital to assets | 7.3232% | 7,201 |
| Core capital (leverage) ratio | 7.2169% | 7,096 |
| Tier 1 risk-based capital ratio | 10.7244% | 6,415 |
| Total risk-based capital ratio | 11.3962% | 6,923 |
| Memoranda: | ||
| Average total assets | $165,162,000 | 3,742 |
| Average earning assets | $154,964,500 | 3,671 |
| Average equity | $12,119,000 | 4,687 |
| Average total loans | $130,024,500 | 3,259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 5,749 |
| Cost of funding earning assets | 2.0448% | 2,742 |
| Net interest margin | 3.1343% | 6,271 |
| Noninterest income to average assets | 0.1888% | 6,739 |
| Noninterest expense to average assets | 2.7071% | 5,357 |
| Loan and lease loss provision to assets | 0.1284% | 6,356 |
| Net operating income to assets | 0.2314% | 4,794 |
| Return on assets (ROA) | 0.2314% | 4,866 |
| Pretax return on assets | 0.3036% | 4,746 |
| Return on Equity (ROE) | 3.1574% | 4,431 |
| Retained earnings to average equity (ytd only) | 3.1574% | 2,949 |
| Net charge-offs to loans | 0.0065% | 7,148 |
| Credit loss provision to net charge-offs | 2,600.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 314 |
| Efficiency ratio | 86.2394% | 2,081 |
| Assets per employee ($millions) | 5.2966% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 7,657 |
| Loan loss allowance to noncurrent loans | 44.9431% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 5,273 |
| Noncurrent loans to loans | 1.1402% | 5,051 |
| Net loans and leases to total assets | 79.3372% | 1,125 |
| Net loans and leases to deposits | 92.4529% | 1,824 |
| Net loans and leases to core deposits | 109.1983% | 2,981 |
| Total domestic deposits to total assets | 85.8137% | 3,104 |
| Equity capital to assets | 7.3523% | 7,161 |
| Core capital (leverage) ratio | 7.1625% | 7,098 |
| Tier 1 risk-based capital ratio | 10.5621% | 6,330 |
| Total risk-based capital ratio | 11.1672% | 6,917 |
| Memoranda: | ||
| Average total assets | $162,056,400 | 3,727 |
| Average earning assets | $152,536,600 | 3,665 |
| Average equity | $11,877,000 | 4,775 |
| Average total loans | $123,913,000 | 3,406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1825% | 5,953 |
| Cost of funding earning assets | 2.1441% | 2,685 |
| Net interest margin | 3.0384% | 6,496 |
| Noninterest income to average assets | 0.1989% | 6,795 |
| Noninterest expense to average assets | 2.6555% | 5,507 |
| Loan and lease loss provision to assets | 0.1057% | 6,322 |
| Net operating income to assets | 0.2303% | 5,056 |
| Return on assets (ROA) | 0.2303% | 5,137 |
| Pretax return on assets | 0.3013% | 5,060 |
| Return on Equity (ROE) | 3.1449% | 4,728 |
| Retained earnings to average equity (ytd only) | 3.1449% | 3,555 |
| Net charge-offs to loans | 0.0087% | 6,834 |
| Credit loss provision to net charge-offs | 1,600.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 61.6045% | 533 |
| Efficiency ratio | 86.7116% | 1,994 |
| Assets per employee ($millions) | 5.2549% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4505% | 7,767 |
| Loan loss allowance to noncurrent loans | 27.2853% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 1.3296% | 4,426 |
| Noncurrent loans to loans | 1.6510% | 4,166 |
| Net loans and leases to total assets | 80.1703% | 1,137 |
| Net loans and leases to deposits | 93.4606% | 1,973 |
| Net loans and leases to core deposits | 112.0694% | 3,016 |
| Total domestic deposits to total assets | 85.7798% | 2,816 |
| Equity capital to assets | 7.3517% | 7,396 |
| Core capital (leverage) ratio | 7.1250% | 7,338 |
| Tier 1 risk-based capital ratio | 10.5117% | 6,455 |
| Total risk-based capital ratio | 11.0460% | 7,106 |
| Memoranda: | ||
| Average total assets | $161,522,000 | 3,770 |
| Average earning assets | $152,226,000 | 3,689 |
| Average equity | $11,828,250 | 4,838 |
| Average total loans | $122,156,750 | 3,468 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 6,164 |
| Cost of funding earning assets | 2.2010% | 2,791 |
| Net interest margin | 2.9746% | 6,625 |
| Noninterest income to average assets | 0.1974% | 6,878 |
| Noninterest expense to average assets | 2.6636% | 5,500 |
| Loan and lease loss provision to assets | 0.0820% | 6,364 |
| Net operating income to assets | 0.1999% | 5,264 |
| Return on assets (ROA) | 0.1999% | 5,346 |
| Pretax return on assets | 0.2546% | 5,317 |
| Return on Equity (ROE) | 2.7337% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.7337% | 3,813 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7831% | 1,928 |
| Assets per employee ($millions) | 5.3802% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4183% | 7,885 |
| Loan loss allowance to noncurrent loans | 105.9055% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 6,703 |
| Noncurrent loans to loans | 0.3950% | 6,524 |
| Net loans and leases to total assets | 76.7864% | 1,993 |
| Net loans and leases to deposits | 91.6002% | 2,549 |
| Net loans and leases to core deposits | 107.9312% | 3,619 |
| Total domestic deposits to total assets | 83.8278% | 3,859 |
| Equity capital to assets | 7.1097% | 7,548 |
| Core capital (leverage) ratio | 7.0149% | 7,527 |
| Tier 1 risk-based capital ratio | 10.3971% | 6,483 |
| Total risk-based capital ratio | 10.8842% | 7,238 |
| Memoranda: | ||
| Average total assets | $161,062,000 | 3,805 |
| Average earning assets | $151,751,330 | 3,714 |
| Average equity | $11,779,000 | 4,874 |
| Average total loans | $119,145,670 | 3,556 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2195% | 6,221 |
| Cost of funding earning assets | 2.2619% | 2,876 |
| Net interest margin | 2.9576% | 6,592 |
| Noninterest income to average assets | 0.1820% | 6,991 |
| Noninterest expense to average assets | 2.5765% | 5,545 |
| Loan and lease loss provision to assets | 0.1113% | 5,539 |
| Net operating income to assets | 0.2149% | 5,612 |
| Return on assets (ROA) | 0.2149% | 5,771 |
| Pretax return on assets | 0.2781% | 5,737 |
| Return on Equity (ROE) | 2.8962% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.8962% | 4,260 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8713% | 1,981 |
| Assets per employee ($millions) | 5.1046% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4281% | 7,914 |
| Loan loss allowance to noncurrent loans | 166.6667% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 6,966 |
| Noncurrent loans to loans | 0.2568% | 6,794 |
| Net loans and leases to total assets | 73.3394% | 2,929 |
| Net loans and leases to deposits | 90.4258% | 2,863 |
| Net loans and leases to core deposits | 105.9625% | 3,922 |
| Total domestic deposits to total assets | 81.1045% | 4,922 |
| Equity capital to assets | 7.2129% | 7,555 |
| Core capital (leverage) ratio | 7.2373% | 7,443 |
| Tier 1 risk-based capital ratio | 10.7610% | 6,129 |
| Total risk-based capital ratio | 11.2492% | 6,827 |
| Memoranda: | ||
| Average total assets | $158,200,000 | 3,862 |
| Average earning assets | $148,902,500 | 3,775 |
| Average equity | $11,739,500 | 4,915 |
| Average total loans | $114,415,000 | 3,687 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 6,982 |
| Cost of funding earning assets | 2.6602% | 3,371 |
| Net interest margin | 2.9721% | 6,979 |
| Noninterest income to average assets | 0.2034% | 6,990 |
| Noninterest expense to average assets | 2.8153% | 4,760 |
| Loan and lease loss provision to assets | 0.0706% | 6,514 |
| Net operating income to assets | 0.1188% | 6,059 |
| Return on assets (ROA) | 0.1188% | 5,901 |
| Pretax return on assets | 0.1083% | 5,921 |
| Return on Equity (ROE) | 1.4663% | 5,780 |
| Retained earnings to average equity (ytd only) | 1.4663% | 4,342 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0243% | 1,274 |
| Assets per employee ($millions) | 5.1018% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4340% | 7,939 |
| Loan loss allowance to noncurrent loans | 329.3706% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 7,204 |
| Noncurrent loans to loans | 0.1318% | 7,023 |
| Net loans and leases to total assets | 70.5940% | 3,884 |
| Net loans and leases to deposits | 88.3986% | 3,742 |
| Net loans and leases to core deposits | 103.1101% | 4,495 |
| Total domestic deposits to total assets | 79.8587% | 5,081 |
| Equity capital to assets | 7.6424% | 7,265 |
| Core capital (leverage) ratio | 7.6977% | 6,937 |
| Tier 1 risk-based capital ratio | 11.7354% | 5,026 |
| Total risk-based capital ratio | 12.2079% | 5,671 |
| Memoranda: | ||
| Average total assets | $143,076,400 | 4,023 |
| Average earning assets | $134,348,600 | 3,965 |
| Average equity | $11,593,600 | 4,941 |
| Average total loans | $100,081,000 | 3,948 |