Home > Massena Savings and Loan > Performance and Condition Ratios
Massena Savings and Loan, 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 | 5.0867% | 1,884 |
| Cost of funding earning assets | 1.8398% | 1,185 |
| Net interest margin | 3.2469% | 2,753 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.2667% | 2,938 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.7131% | 3,159 |
| Return on assets (ROA) | 0.7131% | 3,137 |
| Pretax return on assets | 0.8894% | 2,991 |
| Return on Equity (ROE) | 4.9100% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.9111% | 2,628 |
| Net charge-offs to loans | 0.0606% | 1,246 |
| Credit loss provision to net charge-offs | 138.7755% | 1,539 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,971 |
| Efficiency ratio | 70.1167% | 1,862 |
| Assets per employee ($millions) | 8.3056% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 3,794 |
| Loan loss allowance to noncurrent loans | 56.0388% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4311% | 275 |
| Noncurrent loans to loans | 1.5619% | 428 |
| Net loans and leases to total assets | 89.4300% | 46 |
| Net loans and leases to deposits | 122.8539% | 67 |
| Net loans and leases to core deposits | 152.6867% | 191 |
| Total domestic deposits to total assets | 72.8000% | 4,179 |
| Equity capital to assets | 14.4502% | 609 |
| Core capital (leverage) ratio | 14.5257% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3628% | 458 |
| Memoranda: | ||
| Average total assets | $177,527,000 | 3,146 |
| Average earning assets | $167,359,000 | 3,120 |
| Average equity | $25,778,200 | 2,474 |
| Average total loans | $161,811,400 | 2,585 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 1,800 |
| Cost of funding earning assets | 1.7109% | 1,170 |
| Net interest margin | 3.3031% | 2,680 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.3060% | 2,774 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7187% | 3,264 |
| Return on assets (ROA) | 0.7187% | 3,247 |
| Pretax return on assets | 0.8965% | 3,110 |
| Return on Equity (ROE) | 4.9400% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.9436% | 2,951 |
| Net charge-offs to loans | 0.1035% | 765 |
| Credit loss provision to net charge-offs | 90.4000% | 1,690 |
| Earnings coverage of net charge-offs (x) | 10.3840% | 2,126 |
| Efficiency ratio | 70.1335% | 1,769 |
| Assets per employee ($millions) | 8.0873% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 3,873 |
| Loan loss allowance to noncurrent loans | 53.7838% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.5428% | 237 |
| Noncurrent loans to loans | 1.5802% | 448 |
| Net loans and leases to total assets | 91.3400% | 23 |
| Net loans and leases to deposits | 126.4388% | 52 |
| Net loans and leases to core deposits | 147.8380% | 159 |
| Total domestic deposits to total assets | 72.2400% | 4,246 |
| Equity capital to assets | 14.6627% | 566 |
| Core capital (leverage) ratio | 14.5775% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7304% | 446 |
| Memoranda: | ||
| Average total assets | $176,227,750 | 3,168 |
| Average earning assets | $166,142,000 | 3,136 |
| Average equity | $25,621,750 | 2,472 |
| Average total loans | $161,048,750 | 2,598 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 1,721 |
| Cost of funding earning assets | 1.6111% | 1,034 |
| Net interest margin | 3.3067% | 2,735 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.2839% | 2,859 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7560% | 3,203 |
| Return on assets (ROA) | 0.7560% | 3,222 |
| Pretax return on assets | 0.9439% | 3,061 |
| Return on Equity (ROE) | 5.2100% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.2147% | 2,888 |
| Net charge-offs to loans | 0.0625% | 927 |
| Credit loss provision to net charge-offs | 110.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 17.6800% | 1,789 |
| Efficiency ratio | 69.4118% | 1,820 |
| Assets per employee ($millions) | 8.0800% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 3,855 |
| Loan loss allowance to noncurrent loans | 72.2706% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 386 |
| Noncurrent loans to loans | 1.2060% | 584 |
| Net loans and leases to total assets | 90.2100% | 35 |
| Net loans and leases to deposits | 124.6113% | 70 |
| Net loans and leases to core deposits | 144.8596% | 172 |
| Total domestic deposits to total assets | 72.3900% | 4,277 |
| Equity capital to assets | 14.5150% | 576 |
| Core capital (leverage) ratio | 14.5564% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3617% | 465 |
| Memoranda: | ||
| Average total assets | $175,663,333 | 3,174 |
| Average earning assets | $165,603,667 | 3,152 |
| Average equity | $25,466,333 | 2,496 |
| Average total loans | $160,098,000 | 2,602 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 1,568 |
| Cost of funding earning assets | 1.4754% | 884 |
| Net interest margin | 3.3494% | 2,753 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.3595% | 2,639 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7330% | 3,390 |
| Return on assets (ROA) | 0.7330% | 3,350 |
| Pretax return on assets | 0.9140% | 3,195 |
| Return on Equity (ROE) | 5.0600% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.0596% | 3,011 |
| Net charge-offs to loans | 0.0628% | 754 |
| Credit loss provision to net charge-offs | 60.0000% | 1,278 |
| Earnings coverage of net charge-offs (x) | 16.5600% | 1,517 |
| Efficiency ratio | 71.3296% | 1,596 |
| Assets per employee ($millions) | 7.6934% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 3,913 |
| Loan loss allowance to noncurrent loans | 70.7404% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 347 |
| Noncurrent loans to loans | 1.2379% | 555 |
| Net loans and leases to total assets | 89.2400% | 43 |
| Net loans and leases to deposits | 123.2037% | 66 |
| Net loans and leases to core deposits | 142.4207% | 167 |
| Total domestic deposits to total assets | 72.4300% | 4,344 |
| Equity capital to assets | 14.3873% | 543 |
| Core capital (leverage) ratio | 14.6491% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2711% | 487 |
| Memoranda: | ||
| Average total assets | $174,614,500 | 3,226 |
| Average earning assets | $164,567,500 | 3,199 |
| Average equity | $25,298,500 | 2,530 |
| Average total loans | $159,261,500 | 2,627 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 780 |
| Cost of funding earning assets | 1.1136% | 98 |
| Net interest margin | 3.3470% | 2,430 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.3576% | 2,557 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.7204% | 3,562 |
| Return on assets (ROA) | 0.7204% | 3,503 |
| Pretax return on assets | 0.8984% | 3,360 |
| Return on Equity (ROE) | 5.0900% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.0929% | 3,008 |
| Net charge-offs to loans | 0.0157% | 1,800 |
| Credit loss provision to net charge-offs | 620.8333% | 587 |
| Earnings coverage of net charge-offs (x) | 70.9583% | 1,151 |
| Efficiency ratio | 70.5414% | 1,617 |
| Assets per employee ($millions) | 7.8310% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 3,834 |
| Loan loss allowance to noncurrent loans | 72.3109% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 336 |
| Noncurrent loans to loans | 1.2203% | 572 |
| Net loans and leases to total assets | 91.6000% | 20 |
| Net loans and leases to deposits | 127.4698% | 45 |
| Net loans and leases to core deposits | 143.8688% | 119 |
| Total domestic deposits to total assets | 71.8600% | 4,431 |
| Equity capital to assets | 14.5919% | 517 |
| Core capital (leverage) ratio | 14.6635% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0825% | 474 |
| Memoranda: | ||
| Average total assets | $172,970,000 | 3,250 |
| Average earning assets | $163,071,800 | 3,219 |
| Average equity | $24,465,200 | 2,607 |
| Average total loans | $152,709,600 | 2,611 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 621 |
| Cost of funding earning assets | 1.0922% | 39 |
| Net interest margin | 3.2775% | 2,367 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.4265% | 2,238 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6630% | 3,658 |
| Return on assets (ROA) | 0.6630% | 3,621 |
| Pretax return on assets | 0.8263% | 3,516 |
| Return on Equity (ROE) | 4.7200% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.7248% | 3,189 |
| Net charge-offs to loans | 0.0176% | 1,490 |
| Credit loss provision to net charge-offs | 170.0000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 55.3500% | 1,229 |
| Efficiency ratio | 74.0019% | 1,275 |
| Assets per employee ($millions) | 7.7264% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 4,023 |
| Loan loss allowance to noncurrent loans | 78.4848% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 448 |
| Noncurrent loans to loans | 1.0547% | 723 |
| Net loans and leases to total assets | 91.2800% | 15 |
| Net loans and leases to deposits | 125.3676% | 38 |
| Net loans and leases to core deposits | 140.8873% | 95 |
| Total domestic deposits to total assets | 72.8100% | 4,487 |
| Equity capital to assets | 14.5628% | 496 |
| Core capital (leverage) ratio | 14.4793% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1969% | 480 |
| Memoranda: | ||
| Average total assets | $173,142,250 | 3,271 |
| Average earning assets | $163,331,250 | 3,241 |
| Average equity | $24,296,750 | 2,668 |
| Average total loans | $151,082,250 | 2,630 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 565 |
| Cost of funding earning assets | 1.1023% | 24 |
| Net interest margin | 3.1500% | 2,364 |
| Noninterest income to average assets | 0.1780% | 4,114 |
| Noninterest expense to average assets | 2.3893% | 2,260 |
| Loan and lease loss provision to assets | 0.0230% | 2,184 |
| Net operating income to assets | 0.5947% | 3,642 |
| Return on assets (ROA) | 0.5947% | 3,587 |
| Pretax return on assets | 0.7382% | 3,481 |
| Return on Equity (ROE) | 4.2909% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.2909% | 2,977 |
| Net charge-offs to loans | 0.0188% | 1,360 |
| Credit loss provision to net charge-offs | 142.8571% | 1,111 |
| Earnings coverage of net charge-offs (x) | 47.3571% | 1,184 |
| Efficiency ratio | 75.8382% | 1,304 |
| Assets per employee ($millions) | 7.8472% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 4,080 |
| Loan loss allowance to noncurrent loans | 89.1817% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 586 |
| Noncurrent loans to loans | 0.9570% | 871 |
| Net loans and leases to total assets | 86.5395% | 73 |
| Net loans and leases to deposits | 114.9928% | 61 |
| Net loans and leases to core deposits | 130.2049% | 123 |
| Total domestic deposits to total assets | 75.2565% | 4,494 |
| Equity capital to assets | 14.1399% | 492 |
| Core capital (leverage) ratio | 14.1700% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4504% | 452 |
| Memoranda: | ||
| Average total assets | $174,196,000 | 3,297 |
| Average earning assets | $164,381,667 | 3,275 |
| Average equity | $24,144,333 | 2,735 |
| Average total loans | $149,293,000 | 2,651 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 526 |
| Cost of funding earning assets | 1.1246% | 17 |
| Net interest margin | 3.0660% | 2,278 |
| Noninterest income to average assets | 0.1783% | 4,105 |
| Noninterest expense to average assets | 2.3889% | 2,203 |
| Loan and lease loss provision to assets | 0.0114% | 2,131 |
| Net operating income to assets | 0.5395% | 3,599 |
| Return on assets (ROA) | 0.5395% | 3,562 |
| Pretax return on assets | 0.6698% | 3,475 |
| Return on Equity (ROE) | 3.9315% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.9315% | 2,954 |
| Net charge-offs to loans | 0.0269% | 1,050 |
| Credit loss provision to net charge-offs | 50.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 29.8000% | 1,134 |
| Efficiency ratio | 77.8109% | 1,330 |
| Assets per employee ($millions) | 7.7811% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,128 |
| Loan loss allowance to noncurrent loans | 97.0320% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 685 |
| Noncurrent loans to loans | 0.8867% | 1,046 |
| Net loans and leases to total assets | 85.8264% | 56 |
| Net loans and leases to deposits | 114.0974% | 49 |
| Net loans and leases to core deposits | 130.0807% | 90 |
| Total domestic deposits to total assets | 75.2220% | 4,531 |
| Equity capital to assets | 14.0954% | 513 |
| Core capital (leverage) ratio | 13.9789% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3259% | 412 |
| Memoranda: | ||
| Average total assets | $174,974,500 | 3,306 |
| Average earning assets | $165,038,500 | 3,280 |
| Average equity | $24,011,000 | 2,837 |
| Average total loans | $148,596,000 | 2,646 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 1,082 |
| Cost of funding earning assets | 1.3031% | 18 |
| Net interest margin | 2.8473% | 3,567 |
| Noninterest income to average assets | 0.1763% | 4,275 |
| Noninterest expense to average assets | 2.2194% | 3,012 |
| Loan and lease loss provision to assets | 0.0518% | 2,018 |
| Net operating income to assets | 0.4831% | 4,129 |
| Return on assets (ROA) | 0.4831% | 4,171 |
| Pretax return on assets | 0.5988% | 4,112 |
| Return on Equity (ROE) | 3.7359% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.7359% | 3,322 |
| Net charge-offs to loans | 0.0566% | 1,229 |
| Credit loss provision to net charge-offs | 111.9048% | 1,699 |
| Earnings coverage of net charge-offs (x) | 14.0595% | 2,050 |
| Efficiency ratio | 77.3321% | 1,005 |
| Assets per employee ($millions) | 8.1257% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,160 |
| Loan loss allowance to noncurrent loans | 95.3800% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 764 |
| Noncurrent loans to loans | 0.9007% | 1,123 |
| Net loans and leases to total assets | 82.6314% | 156 |
| Net loans and leases to deposits | 109.7689% | 84 |
| Net loans and leases to core deposits | 130.1428% | 103 |
| Total domestic deposits to total assets | 75.2776% | 4,539 |
| Equity capital to assets | 13.3656% | 803 |
| Core capital (leverage) ratio | 13.3251% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7431% | 510 |
| Memoranda: | ||
| Average total assets | $181,534,800 | 3,199 |
| Average earning assets | $171,739,000 | 3,168 |
| Average equity | $23,475,000 | 2,944 |
| Average total loans | $148,356,200 | 2,646 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 1,173 |
| Cost of funding earning assets | 1.3247% | 20 |
| Net interest margin | 2.8327% | 3,702 |
| Noninterest income to average assets | 0.1785% | 4,310 |
| Noninterest expense to average assets | 2.1482% | 3,225 |
| Loan and lease loss provision to assets | 0.0653% | 1,690 |
| Net operating income to assets | 0.5202% | 4,164 |
| Return on assets (ROA) | 0.5202% | 4,209 |
| Pretax return on assets | 0.6468% | 4,164 |
| Return on Equity (ROE) | 4.0563% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.0563% | 3,561 |
| Net charge-offs to loans | 0.0702% | 948 |
| Credit loss provision to net charge-offs | 114.1026% | 1,490 |
| Earnings coverage of net charge-offs (x) | 12.4744% | 1,957 |
| Efficiency ratio | 75.1087% | 1,115 |
| Assets per employee ($millions) | 7.4765% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,244 |
| Loan loss allowance to noncurrent loans | 74.4767% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0004% | 662 |
| Noncurrent loans to loans | 1.1587% | 962 |
| Net loans and leases to total assets | 82.0143% | 186 |
| Net loans and leases to deposits | 109.5622% | 98 |
| Net loans and leases to core deposits | 130.1864% | 118 |
| Total domestic deposits to total assets | 74.8564% | 4,607 |
| Equity capital to assets | 13.2230% | 925 |
| Core capital (leverage) ratio | 12.9219% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5773% | 565 |
| Memoranda: | ||
| Average total assets | $182,227,250 | 3,225 |
| Average earning assets | $172,506,750 | 3,192 |
| Average equity | $23,370,500 | 2,986 |
| Average total loans | $148,196,250 | 2,689 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 1,243 |
| Cost of funding earning assets | 1.3373% | 22 |
| Net interest margin | 2.8244% | 3,735 |
| Noninterest income to average assets | 0.1714% | 4,350 |
| Noninterest expense to average assets | 2.1315% | 3,298 |
| Loan and lease loss provision to assets | 0.0710% | 1,635 |
| Net operating income to assets | 0.5176% | 4,180 |
| Return on assets (ROA) | 0.5176% | 4,224 |
| Pretax return on assets | 0.6443% | 4,164 |
| Return on Equity (ROE) | 4.0771% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.0771% | 3,495 |
| Net charge-offs to loans | 0.0810% | 863 |
| Credit loss provision to net charge-offs | 108.3333% | 1,316 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,783 |
| Efficiency ratio | 74.8753% | 1,171 |
| Assets per employee ($millions) | 7.7540% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 4,273 |
| Loan loss allowance to noncurrent loans | 59.1647% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 605 |
| Noncurrent loans to loans | 1.4472% | 799 |
| Net loans and leases to total assets | 79.3342% | 355 |
| Net loans and leases to deposits | 105.9849% | 161 |
| Net loans and leases to core deposits | 129.1662% | 134 |
| Total domestic deposits to total assets | 74.8542% | 4,626 |
| Equity capital to assets | 12.6226% | 1,078 |
| Core capital (leverage) ratio | 12.6036% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9916% | 618 |
| Memoranda: | ||
| Average total assets | $183,157,333 | 3,224 |
| Average earning assets | $173,487,667 | 3,188 |
| Average equity | $23,251,667 | 2,991 |
| Average total loans | $148,113,333 | 2,706 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 1,164 |
| Cost of funding earning assets | 1.3691% | 27 |
| Net interest margin | 2.8498% | 3,638 |
| Noninterest income to average assets | 0.1805% | 4,292 |
| Noninterest expense to average assets | 2.1399% | 3,303 |
| Loan and lease loss provision to assets | 0.0991% | 1,365 |
| Net operating income to assets | 0.5152% | 4,145 |
| Return on assets (ROA) | 0.5152% | 4,181 |
| Pretax return on assets | 0.6407% | 4,125 |
| Return on Equity (ROE) | 4.0463% | 4,274 |
| Retained earnings to average equity (ytd only) | 4.0463% | 3,485 |
| Net charge-offs to loans | 0.1083% | 643 |
| Credit loss provision to net charge-offs | 112.5000% | 1,066 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 1,579 |
| Efficiency ratio | 74.3119% | 1,284 |
| Assets per employee ($millions) | 7.6933% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,251 |
| Loan loss allowance to noncurrent loans | 55.7987% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 574 |
| Noncurrent loans to loans | 1.5564% | 791 |
| Net loans and leases to total assets | 78.8240% | 412 |
| Net loans and leases to deposits | 105.3768% | 181 |
| Net loans and leases to core deposits | 129.1373% | 147 |
| Total domestic deposits to total assets | 74.8020% | 4,636 |
| Equity capital to assets | 12.5917% | 1,046 |
| Core capital (leverage) ratio | 12.7941% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2099% | 569 |
| Memoranda: | ||
| Average total assets | $181,688,500 | 3,241 |
| Average earning assets | $172,080,500 | 3,192 |
| Average equity | $23,132,500 | 2,982 |
| Average total loans | $147,714,000 | 2,717 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 1,224 |
| Cost of funding earning assets | 1.5357% | 72 |
| Net interest margin | 3.0010% | 3,883 |
| Noninterest income to average assets | 0.1806% | 4,382 |
| Noninterest expense to average assets | 2.2863% | 3,443 |
| Loan and lease loss provision to assets | 0.1290% | 2,747 |
| Net operating income to assets | 0.5023% | 4,026 |
| Return on assets (ROA) | 0.5023% | 4,110 |
| Pretax return on assets | 0.5981% | 4,084 |
| Return on Equity (ROE) | 3.8708% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.8708% | 2,887 |
| Net charge-offs to loans | 0.1680% | 990 |
| Credit loss provision to net charge-offs | 88.2353% | 2,940 |
| Earnings coverage of net charge-offs (x) | 4.9725% | 2,917 |
| Efficiency ratio | 75.8706% | 1,245 |
| Assets per employee ($millions) | 7.4475% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,312 |
| Loan loss allowance to noncurrent loans | 51.0245% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 540 |
| Noncurrent loans to loans | 1.6748% | 774 |
| Net loans and leases to total assets | 82.4353% | 264 |
| Net loans and leases to deposits | 111.2484% | 153 |
| Net loans and leases to core deposits | 136.1586% | 148 |
| Total domestic deposits to total assets | 74.1002% | 4,633 |
| Equity capital to assets | 12.8769% | 1,142 |
| Core capital (leverage) ratio | 12.9208% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8876% | 594 |
| Memoranda: | ||
| Average total assets | $174,388,200 | 3,156 |
| Average earning assets | $164,611,600 | 3,124 |
| Average equity | $22,631,200 | 2,967 |
| Average total loans | $151,745,800 | 2,652 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 1,364 |
| Cost of funding earning assets | 1.5314% | 107 |
| Net interest margin | 3.0498% | 3,867 |
| Noninterest income to average assets | 0.1823% | 4,380 |
| Noninterest expense to average assets | 2.2627% | 3,521 |
| Loan and lease loss provision to assets | 0.0767% | 3,360 |
| Net operating income to assets | 0.5801% | 3,830 |
| Return on assets (ROA) | 0.5801% | 3,927 |
| Pretax return on assets | 0.7201% | 3,859 |
| Return on Equity (ROE) | 4.4611% | 4,041 |
| Retained earnings to average equity (ytd only) | 4.4611% | 2,821 |
| Net charge-offs to loans | 0.2439% | 628 |
| Credit loss provision to net charge-offs | 35.8423% | 2,938 |
| Earnings coverage of net charge-offs (x) | 3.7133% | 2,888 |
| Efficiency ratio | 73.9502% | 1,409 |
| Assets per employee ($millions) | 6.9189% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 4,504 |
| Loan loss allowance to noncurrent loans | 38.2986% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.6271% | 497 |
| Noncurrent loans to loans | 1.9341% | 644 |
| Net loans and leases to total assets | 83.5018% | 323 |
| Net loans and leases to deposits | 116.7991% | 140 |
| Net loans and leases to core deposits | 142.4468% | 152 |
| Total domestic deposits to total assets | 71.4918% | 4,703 |
| Equity capital to assets | 12.7271% | 1,314 |
| Core capital (leverage) ratio | 12.7085% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2039% | 651 |
| Memoranda: | ||
| Average total assets | $173,300,500 | 3,148 |
| Average earning assets | $163,505,000 | 3,120 |
| Average equity | $22,535,000 | 2,974 |
| Average total loans | $152,528,750 | 2,645 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,531 |
| Cost of funding earning assets | 1.5204% | 157 |
| Net interest margin | 3.1314% | 3,832 |
| Noninterest income to average assets | 0.1788% | 4,391 |
| Noninterest expense to average assets | 2.3015% | 3,508 |
| Loan and lease loss provision to assets | 0.0713% | 3,403 |
| Net operating income to assets | 0.6102% | 3,705 |
| Return on assets (ROA) | 0.6102% | 3,786 |
| Pretax return on assets | 0.7574% | 3,719 |
| Return on Equity (ROE) | 4.6576% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.6576% | 2,631 |
| Net charge-offs to loans | 0.2341% | 673 |
| Credit loss provision to net charge-offs | 34.0782% | 2,689 |
| Earnings coverage of net charge-offs (x) | 3.9609% | 2,638 |
| Efficiency ratio | 73.5250% | 1,507 |
| Assets per employee ($millions) | 6.8220% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7776% | 4,395 |
| Loan loss allowance to noncurrent loans | 36.9375% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.8210% | 427 |
| Noncurrent loans to loans | 2.1053% | 611 |
| Net loans and leases to total assets | 85.0281% | 188 |
| Net loans and leases to deposits | 119.3004% | 100 |
| Net loans and leases to core deposits | 143.6480% | 142 |
| Total domestic deposits to total assets | 71.2722% | 4,743 |
| Equity capital to assets | 12.7765% | 1,242 |
| Core capital (leverage) ratio | 13.0268% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0521% | 664 |
| Memoranda: | ||
| Average total assets | $171,103,333 | 3,149 |
| Average earning assets | $161,269,333 | 3,121 |
| Average equity | $22,415,000 | 2,972 |
| Average total loans | $152,927,000 | 2,634 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 1,211 |
| Cost of funding earning assets | 1.5104% | 257 |
| Net interest margin | 3.3826% | 3,350 |
| Noninterest income to average assets | 0.1857% | 4,436 |
| Noninterest expense to average assets | 2.3504% | 3,647 |
| Loan and lease loss provision to assets | 0.1215% | 2,176 |
| Net operating income to assets | 0.7216% | 3,195 |
| Return on assets (ROA) | 0.7216% | 3,282 |
| Pretax return on assets | 0.8978% | 3,144 |
| Return on Equity (ROE) | 5.4370% | 3,497 |
| Retained earnings to average equity (ytd only) | 5.4370% | 2,097 |
| Net charge-offs to loans | 0.4459% | 325 |
| Credit loss provision to net charge-offs | 29.8246% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.5029% | 2,282 |
| Efficiency ratio | 69.7527% | 2,393 |
| Assets per employee ($millions) | 6.5267% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 4,474 |
| Loan loss allowance to noncurrent loans | 36.7601% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 462 |
| Noncurrent loans to loans | 2.0929% | 659 |
| Net loans and leases to total assets | 89.6862% | 38 |
| Net loans and leases to deposits | 127.8449% | 44 |
| Net loans and leases to core deposits | 153.6837% | 102 |
| Total domestic deposits to total assets | 70.1523% | 4,849 |
| Equity capital to assets | 13.2255% | 1,326 |
| Core capital (leverage) ratio | 13.4072% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0829% | 734 |
| Memoranda: | ||
| Average total assets | $167,969,000 | 3,154 |
| Average earning assets | $158,103,500 | 3,128 |
| Average equity | $22,291,500 | 2,975 |
| Average total loans | $153,391,500 | 2,608 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 1,651 |
| Cost of funding earning assets | 1.4484% | 466 |
| Net interest margin | 3.4858% | 3,494 |
| Noninterest income to average assets | 0.1758% | 4,609 |
| Noninterest expense to average assets | 2.4616% | 3,546 |
| Loan and lease loss provision to assets | 0.2068% | 975 |
| Net operating income to assets | 0.6154% | 4,110 |
| Return on assets (ROA) | 0.6154% | 4,174 |
| Pretax return on assets | 0.7906% | 3,989 |
| Return on Equity (ROE) | 4.6762% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.6762% | 2,599 |
| Net charge-offs to loans | 0.1596% | 1,260 |
| Credit loss provision to net charge-offs | 141.4938% | 1,830 |
| Earnings coverage of net charge-offs (x) | 6.8257% | 2,930 |
| Efficiency ratio | 71.1656% | 1,996 |
| Assets per employee ($millions) | 7.2280% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 4,162 |
| Loan loss allowance to noncurrent loans | 40.6250% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.9249% | 423 |
| Noncurrent loans to loans | 2.0859% | 606 |
| Net loans and leases to total assets | 91.4986% | 21 |
| Net loans and leases to deposits | 131.2866% | 40 |
| Net loans and leases to core deposits | 155.0260% | 98 |
| Total domestic deposits to total assets | 69.6938% | 4,945 |
| Equity capital to assets | 13.3179% | 1,357 |
| Core capital (leverage) ratio | 13.3424% | 1,101 |
| Tier 1 risk-based capital ratio | 19.9224% | 1,339 |
| Total risk-based capital ratio | 21.0922% | 1,316 |
| Memoranda: | ||
| Average total assets | $164,931,200 | 3,154 |
| Average earning assets | $155,346,400 | 3,130 |
| Average equity | $21,705,600 | 2,985 |
| Average total loans | $150,965,400 | 2,606 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 1,780 |
| Cost of funding earning assets | 1.4300% | 514 |
| Net interest margin | 3.4833% | 3,616 |
| Noninterest income to average assets | 0.1887% | 4,582 |
| Noninterest expense to average assets | 2.3644% | 3,780 |
| Loan and lease loss provision to assets | 0.1571% | 1,197 |
| Net operating income to assets | 0.7590% | 3,816 |
| Return on assets (ROA) | 0.7590% | 3,883 |
| Pretax return on assets | 0.9485% | 3,743 |
| Return on Equity (ROE) | 5.7846% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.7846% | 2,467 |
| Net charge-offs to loans | 0.1454% | 1,115 |
| Credit loss provision to net charge-offs | 118.2927% | 1,975 |
| Earnings coverage of net charge-offs (x) | 8.3232% | 2,668 |
| Efficiency ratio | 68.1373% | 2,392 |
| Assets per employee ($millions) | 6.8964% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,398 |
| Loan loss allowance to noncurrent loans | 39.0848% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.9497% | 456 |
| Noncurrent loans to loans | 2.0587% | 647 |
| Net loans and leases to total assets | 91.6146% | 19 |
| Net loans and leases to deposits | 129.5010% | 44 |
| Net loans and leases to core deposits | 153.0296% | 114 |
| Total domestic deposits to total assets | 70.7443% | 4,966 |
| Equity capital to assets | 13.3301% | 1,450 |
| Core capital (leverage) ratio | 13.2898% | 1,220 |
| Tier 1 risk-based capital ratio | 19.9613% | 1,364 |
| Total risk-based capital ratio | 21.0741% | 1,357 |
| Memoranda: | ||
| Average total assets | $164,603,250 | 3,190 |
| Average earning assets | $155,059,500 | 3,169 |
| Average equity | $21,597,000 | 3,016 |
| Average total loans | $150,354,250 | 2,641 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 1,764 |
| Cost of funding earning assets | 1.4054% | 526 |
| Net interest margin | 3.4908% | 3,626 |
| Noninterest income to average assets | 0.1862% | 4,639 |
| Noninterest expense to average assets | 2.4102% | 3,714 |
| Loan and lease loss provision to assets | 0.1229% | 1,521 |
| Net operating income to assets | 0.7523% | 3,819 |
| Return on assets (ROA) | 0.7523% | 3,882 |
| Pretax return on assets | 0.9397% | 3,745 |
| Return on Equity (ROE) | 5.7645% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.7645% | 2,391 |
| Net charge-offs to loans | 0.1217% | 1,220 |
| Credit loss provision to net charge-offs | 110.9890% | 1,838 |
| Earnings coverage of net charge-offs (x) | 9.5934% | 2,331 |
| Efficiency ratio | 69.4006% | 2,317 |
| Assets per employee ($millions) | 7.3105% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,420 |
| Loan loss allowance to noncurrent loans | 54.5783% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3334% | 937 |
| Noncurrent loans to loans | 1.4764% | 1,046 |
| Net loans and leases to total assets | 88.5858% | 88 |
| Net loans and leases to deposits | 127.1862% | 52 |
| Net loans and leases to core deposits | 145.5788% | 153 |
| Total domestic deposits to total assets | 69.6505% | 5,057 |
| Equity capital to assets | 12.9320% | 1,616 |
| Core capital (leverage) ratio | 12.9235% | 1,338 |
| Tier 1 risk-based capital ratio | 19.7862% | 1,392 |
| Total risk-based capital ratio | 20.8872% | 1,388 |
| Memoranda: | ||
| Average total assets | $164,300,000 | 3,204 |
| Average earning assets | $154,693,330 | 3,184 |
| Average equity | $21,441,670 | 3,023 |
| Average total loans | $149,517,670 | 2,662 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 1,679 |
| Cost of funding earning assets | 1.3696% | 513 |
| Net interest margin | 3.5040% | 3,580 |
| Noninterest income to average assets | 0.1724% | 4,704 |
| Noninterest expense to average assets | 2.3377% | 3,930 |
| Loan and lease loss provision to assets | 0.1158% | 1,522 |
| Net operating income to assets | 0.8104% | 3,578 |
| Return on assets (ROA) | 0.8104% | 3,616 |
| Pretax return on assets | 1.0149% | 3,397 |
| Return on Equity (ROE) | 6.1812% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.1812% | 2,378 |
| Net charge-offs to loans | 0.1260% | 990 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 9.7660% | 2,000 |
| Efficiency ratio | 67.4006% | 2,725 |
| Assets per employee ($millions) | 6.5755% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 4,511 |
| Loan loss allowance to noncurrent loans | 57.6646% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 1,030 |
| Noncurrent loans to loans | 1.3940% | 1,159 |
| Net loans and leases to total assets | 90.0802% | 50 |
| Net loans and leases to deposits | 130.2429% | 42 |
| Net loans and leases to core deposits | 149.4092% | 129 |
| Total domestic deposits to total assets | 69.1632% | 5,134 |
| Equity capital to assets | 13.0514% | 1,425 |
| Core capital (leverage) ratio | 13.2352% | 1,173 |
| Tier 1 risk-based capital ratio | 19.7411% | 1,387 |
| Total risk-based capital ratio | 20.8452% | 1,395 |
| Memoranda: | ||
| Average total assets | $162,379,500 | 3,271 |
| Average earning assets | $152,741,000 | 3,239 |
| Average equity | $21,290,500 | 3,043 |
| Average total loans | $149,197,000 | 2,696 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 1,422 |
| Cost of funding earning assets | 1.2001% | 346 |
| Net interest margin | 3.6510% | 3,218 |
| Noninterest income to average assets | 0.2304% | 4,532 |
| Noninterest expense to average assets | 2.4524% | 3,743 |
| Loan and lease loss provision to assets | 0.3973% | 345 |
| Net operating income to assets | 0.6531% | 4,274 |
| Return on assets (ROA) | 0.6531% | 4,283 |
| Pretax return on assets | 0.8137% | 4,132 |
| Return on Equity (ROE) | 4.9804% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.9804% | 2,773 |
| Net charge-offs to loans | 0.2577% | 752 |
| Credit loss provision to net charge-offs | 166.4894% | 1,676 |
| Earnings coverage of net charge-offs (x) | 5.0745% | 3,222 |
| Efficiency ratio | 66.9439% | 2,723 |
| Assets per employee ($millions) | 6.6821% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 4,519 |
| Loan loss allowance to noncurrent loans | 80.6994% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 1,432 |
| Noncurrent loans to loans | 0.9972% | 1,628 |
| Net loans and leases to total assets | 92.2318% | 26 |
| Net loans and leases to deposits | 132.0534% | 40 |
| Net loans and leases to core deposits | 151.2341% | 131 |
| Total domestic deposits to total assets | 69.8443% | 5,157 |
| Equity capital to assets | 13.1732% | 1,267 |
| Core capital (leverage) ratio | 13.2291% | 1,169 |
| Tier 1 risk-based capital ratio | 19.4905% | 1,404 |
| Total risk-based capital ratio | 20.5977% | 1,402 |
| Memoranda: | ||
| Average total assets | $157,558,400 | 3,310 |
| Average earning assets | $148,151,600 | 3,269 |
| Average equity | $20,660,800 | 3,025 |
| Average total loans | $145,898,600 | 2,695 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 1,318 |
| Cost of funding earning assets | 1.1750% | 291 |
| Net interest margin | 3.6659% | 3,143 |
| Noninterest income to average assets | 0.2023% | 4,760 |
| Noninterest expense to average assets | 2.3605% | 3,948 |
| Loan and lease loss provision to assets | 0.3400% | 406 |
| Net operating income to assets | 0.7599% | 4,045 |
| Return on assets (ROA) | 0.7599% | 4,052 |
| Pretax return on assets | 0.9495% | 3,881 |
| Return on Equity (ROE) | 5.8019% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.8019% | 2,756 |
| Net charge-offs to loans | 0.2159% | 786 |
| Credit loss provision to net charge-offs | 170.2128% | 1,566 |
| Earnings coverage of net charge-offs (x) | 6.4552% | 2,885 |
| Efficiency ratio | 64.6716% | 3,075 |
| Assets per employee ($millions) | 7.2242% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 4,734 |
| Loan loss allowance to noncurrent loans | 130.4094% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 2,295 |
| Noncurrent loans to loans | 0.5820% | 2,636 |
| Net loans and leases to total assets | 91.7298% | 32 |
| Net loans and leases to deposits | 126.0442% | 69 |
| Net loans and leases to core deposits | 144.2556% | 182 |
| Total domestic deposits to total assets | 72.7759% | 5,075 |
| Equity capital to assets | 13.2075% | 1,254 |
| Core capital (leverage) ratio | 13.3325% | 1,164 |
| Tier 1 risk-based capital ratio | 19.7799% | 1,382 |
| Total risk-based capital ratio | 20.8305% | 1,387 |
| Memoranda: | ||
| Average total assets | $156,855,250 | 3,346 |
| Average earning assets | $147,518,000 | 3,306 |
| Average equity | $20,544,500 | 3,060 |
| Average total loans | $145,095,000 | 2,720 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 1,286 |
| Cost of funding earning assets | 1.1702% | 207 |
| Net interest margin | 3.6167% | 3,247 |
| Noninterest income to average assets | 0.2036% | 4,799 |
| Noninterest expense to average assets | 2.3911% | 3,921 |
| Loan and lease loss provision to assets | 0.2690% | 562 |
| Net operating income to assets | 0.7556% | 4,014 |
| Return on assets (ROA) | 0.7556% | 4,013 |
| Pretax return on assets | 0.9439% | 3,827 |
| Return on Equity (ROE) | 5.7855% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.7855% | 2,678 |
| Net charge-offs to loans | 0.1661% | 934 |
| Credit loss provision to net charge-offs | 175.0000% | 1,425 |
| Earnings coverage of net charge-offs (x) | 7.8917% | 2,518 |
| Efficiency ratio | 66.3468% | 2,920 |
| Assets per employee ($millions) | 7.0952% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 4,887 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 1,950 |
| Noncurrent loans to loans | 0.6768% | 2,412 |
| Net loans and leases to total assets | 91.6218% | 37 |
| Net loans and leases to deposits | 122.0521% | 90 |
| Net loans and leases to core deposits | 140.6471% | 190 |
| Total domestic deposits to total assets | 75.0677% | 4,951 |
| Equity capital to assets | 13.2522% | 1,205 |
| Core capital (leverage) ratio | 13.2508% | 1,146 |
| Tier 1 risk-based capital ratio | 20.2772% | 1,274 |
| Total risk-based capital ratio | 21.2967% | 1,284 |
| Memoranda: | ||
| Average total assets | $156,162,670 | 3,367 |
| Average earning assets | $146,817,330 | 3,335 |
| Average equity | $20,395,670 | 3,092 |
| Average total loans | $144,492,000 | 2,737 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 1,246 |
| Cost of funding earning assets | 1.1555% | 170 |
| Net interest margin | 3.5701% | 3,283 |
| Noninterest income to average assets | 0.1997% | 4,829 |
| Noninterest expense to average assets | 2.2484% | 4,303 |
| Loan and lease loss provision to assets | 0.3201% | 393 |
| Net operating income to assets | 0.7888% | 3,757 |
| Return on assets (ROA) | 0.7888% | 3,756 |
| Pretax return on assets | 0.9859% | 3,585 |
| Return on Equity (ROE) | 6.0838% | 4,131 |
| Retained earnings to average equity (ytd only) | 6.0838% | 2,671 |
| Net charge-offs to loans | 0.0691% | 1,421 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,471 |
| Efficiency ratio | 63.2565% | 3,594 |
| Assets per employee ($millions) | 7.0629% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7302% | 4,965 |
| Loan loss allowance to noncurrent loans | 80.3366% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 1,737 |
| Noncurrent loans to loans | 0.9090% | 1,999 |
| Net loans and leases to total assets | 91.8608% | 29 |
| Net loans and leases to deposits | 125.4478% | 61 |
| Net loans and leases to core deposits | 141.9704% | 194 |
| Total domestic deposits to total assets | 73.2263% | 5,210 |
| Equity capital to assets | 13.1320% | 1,178 |
| Core capital (leverage) ratio | 13.0779% | 1,152 |
| Tier 1 risk-based capital ratio | 20.0247% | 1,339 |
| Total risk-based capital ratio | 21.0552% | 1,349 |
| Memoranda: | ||
| Average total assets | $156,196,500 | 3,402 |
| Average earning assets | $146,773,500 | 3,375 |
| Average equity | $20,250,500 | 3,137 |
| Average total loans | $144,709,500 | 2,749 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 1,141 |
| Cost of funding earning assets | 1.1416% | 102 |
| Net interest margin | 3.5829% | 3,231 |
| Noninterest income to average assets | 0.1758% | 5,079 |
| Noninterest expense to average assets | 2.3889% | 4,110 |
| Loan and lease loss provision to assets | 0.2080% | 961 |
| Net operating income to assets | 0.5584% | 4,195 |
| Return on assets (ROA) | 0.5584% | 4,229 |
| Pretax return on assets | 0.9487% | 3,742 |
| Return on Equity (ROE) | 4.3975% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.3975% | 2,521 |
| Net charge-offs to loans | 0.2117% | 1,228 |
| Credit loss provision to net charge-offs | 106.6007% | 2,426 |
| Earnings coverage of net charge-offs (x) | 5.9274% | 3,252 |
| Efficiency ratio | 67.3751% | 3,025 |
| Assets per employee ($millions) | 7.1368% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6523% | 5,153 |
| Loan loss allowance to noncurrent loans | 78.2537% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 2,018 |
| Noncurrent loans to loans | 0.8336% | 2,139 |
| Net loans and leases to total assets | 92.1489% | 34 |
| Net loans and leases to deposits | 127.2758% | 57 |
| Net loans and leases to core deposits | 144.5851% | 169 |
| Total domestic deposits to total assets | 72.4009% | 5,300 |
| Equity capital to assets | 12.7993% | 1,355 |
| Core capital (leverage) ratio | 12.8272% | 1,210 |
| Tier 1 risk-based capital ratio | 19.3590% | 1,439 |
| Total risk-based capital ratio | 20.2742% | 1,463 |
| Memoranda: | ||
| Average total assets | $155,262,200 | 3,411 |
| Average earning assets | $146,027,200 | 3,370 |
| Average equity | $19,715,600 | 3,174 |
| Average total loans | $143,114,800 | 2,734 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,157 |
| Cost of funding earning assets | 1.1414% | 94 |
| Net interest margin | 3.5506% | 3,319 |
| Noninterest income to average assets | 0.1963% | 5,026 |
| Noninterest expense to average assets | 2.3260% | 4,229 |
| Loan and lease loss provision to assets | 0.2075% | 912 |
| Net operating income to assets | 0.6777% | 4,093 |
| Return on assets (ROA) | 0.6777% | 4,148 |
| Pretax return on assets | 1.0033% | 3,677 |
| Return on Equity (ROE) | 5.3480% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.3480% | 2,648 |
| Net charge-offs to loans | 0.2536% | 857 |
| Credit loss provision to net charge-offs | 88.9299% | 2,472 |
| Earnings coverage of net charge-offs (x) | 5.1883% | 3,136 |
| Efficiency ratio | 65.7658% | 3,256 |
| Assets per employee ($millions) | 7.0410% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 5,281 |
| Loan loss allowance to noncurrent loans | 80.1425% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 1,837 |
| Noncurrent loans to loans | 0.7808% | 2,412 |
| Net loans and leases to total assets | 92.2706% | 30 |
| Net loans and leases to deposits | 122.5407% | 74 |
| Net loans and leases to core deposits | 140.7668% | 195 |
| Total domestic deposits to total assets | 75.2979% | 5,098 |
| Equity capital to assets | 12.9217% | 1,430 |
| Core capital (leverage) ratio | 12.9084% | 1,251 |
| Tier 1 risk-based capital ratio | 19.5566% | 1,464 |
| Total risk-based capital ratio | 20.4360% | 1,500 |
| Memoranda: | ||
| Average total assets | $154,825,500 | 3,446 |
| Average earning assets | $145,661,750 | 3,403 |
| Average equity | $19,620,500 | 3,207 |
| Average total loans | $142,485,500 | 2,763 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 1,172 |
| Cost of funding earning assets | 1.1434% | 79 |
| Net interest margin | 3.4988% | 3,403 |
| Noninterest income to average assets | 0.2235% | 4,909 |
| Noninterest expense to average assets | 2.3618% | 4,175 |
| Loan and lease loss provision to assets | 0.1809% | 1,048 |
| Net operating income to assets | 0.6576% | 4,044 |
| Return on assets (ROA) | 0.6576% | 4,103 |
| Pretax return on assets | 0.9742% | 3,665 |
| Return on Equity (ROE) | 5.2235% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.2235% | 2,569 |
| Net charge-offs to loans | 0.2957% | 686 |
| Credit loss provision to net charge-offs | 66.6667% | 2,410 |
| Earnings coverage of net charge-offs (x) | 4.2571% | 2,958 |
| Efficiency ratio | 67.1565% | 3,160 |
| Assets per employee ($millions) | 6.9865% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6063% | 5,368 |
| Loan loss allowance to noncurrent loans | 38.1375% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.6246% | 906 |
| Noncurrent loans to loans | 1.5897% | 1,164 |
| Net loans and leases to total assets | 91.7315% | 44 |
| Net loans and leases to deposits | 119.7462% | 99 |
| Net loans and leases to core deposits | 137.2966% | 215 |
| Total domestic deposits to total assets | 76.6049% | 5,016 |
| Equity capital to assets | 12.8416% | 1,451 |
| Core capital (leverage) ratio | 12.4539% | 1,390 |
| Tier 1 risk-based capital ratio | 19.5287% | 1,469 |
| Total risk-based capital ratio | 20.3795% | 1,514 |
| Memoranda: | ||
| Average total assets | $154,800,000 | 3,455 |
| Average earning assets | $145,705,670 | 3,419 |
| Average equity | $19,488,670 | 3,218 |
| Average total loans | $142,037,670 | 2,777 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,174 |
| Cost of funding earning assets | 1.1164% | 87 |
| Net interest margin | 3.4696% | 3,391 |
| Noninterest income to average assets | 0.1905% | 5,134 |
| Noninterest expense to average assets | 2.2581% | 4,510 |
| Loan and lease loss provision to assets | 0.1648% | 1,091 |
| Net operating income to assets | 0.6952% | 3,728 |
| Return on assets (ROA) | 0.6952% | 3,766 |
| Pretax return on assets | 1.0325% | 3,226 |
| Return on Equity (ROE) | 5.5774% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.5774% | 2,553 |
| Net charge-offs to loans | 0.4475% | 409 |
| Credit loss provision to net charge-offs | 40.2516% | 2,058 |
| Earnings coverage of net charge-offs (x) | 2.9245% | 2,535 |
| Efficiency ratio | 65.3502% | 3,606 |
| Assets per employee ($millions) | 6.7953% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5910% | 5,493 |
| Loan loss allowance to noncurrent loans | 24.6095% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 2.2688% | 542 |
| Noncurrent loans to loans | 2.4014% | 673 |
| Net loans and leases to total assets | 89.8690% | 60 |
| Net loans and leases to deposits | 119.4665% | 94 |
| Net loans and leases to core deposits | 137.3672% | 191 |
| Total domestic deposits to total assets | 75.2252% | 5,317 |
| Equity capital to assets | 12.4760% | 1,559 |
| Core capital (leverage) ratio | 12.5461% | 1,316 |
| Tier 1 risk-based capital ratio | 19.0867% | 1,596 |
| Total risk-based capital ratio | 19.9041% | 1,659 |
| Memoranda: | ||
| Average total assets | $155,348,500 | 3,485 |
| Average earning assets | $146,185,000 | 3,446 |
| Average equity | $19,364,000 | 3,245 |
| Average total loans | $142,129,500 | 2,785 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,154 |
| Cost of funding earning assets | 1.1164% | 90 |
| Net interest margin | 3.5408% | 3,282 |
| Noninterest income to average assets | 0.2090% | 5,167 |
| Noninterest expense to average assets | 2.3823% | 4,343 |
| Loan and lease loss provision to assets | 0.2497% | 840 |
| Net operating income to assets | 0.6250% | 4,106 |
| Return on assets (ROA) | 0.6250% | 4,224 |
| Pretax return on assets | 0.9036% | 3,843 |
| Return on Equity (ROE) | 5.0557% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.0557% | 2,309 |
| Net charge-offs to loans | 0.2857% | 963 |
| Credit loss provision to net charge-offs | 95.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 4.3875% | 3,506 |
| Efficiency ratio | 67.3792% | 3,371 |
| Assets per employee ($millions) | 6.4335% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 5,447 |
| Loan loss allowance to noncurrent loans | 30.4319% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.0744% | 643 |
| Noncurrent loans to loans | 2.1376% | 803 |
| Net loans and leases to total assets | 91.9892% | 32 |
| Net loans and leases to deposits | 122.5251% | 69 |
| Net loans and leases to core deposits | 140.0929% | 173 |
| Total domestic deposits to total assets | 75.0779% | 5,345 |
| Equity capital to assets | 12.4536% | 1,550 |
| Core capital (leverage) ratio | 12.5098% | 1,328 |
| Tier 1 risk-based capital ratio | 19.1486% | 1,560 |
| Total risk-based capital ratio | 20.0747% | 1,609 |
| Memoranda: | ||
| Average total assets | $152,161,000 | 3,486 |
| Average earning assets | $142,960,200 | 3,467 |
| Average equity | $18,810,400 | 3,297 |
| Average total loans | $139,988,400 | 2,779 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 1,153 |
| Cost of funding earning assets | 1.1134% | 85 |
| Net interest margin | 3.5499% | 3,271 |
| Noninterest income to average assets | 0.2164% | 5,169 |
| Noninterest expense to average assets | 2.3122% | 4,504 |
| Loan and lease loss provision to assets | 0.1495% | 1,567 |
| Net operating income to assets | 0.7353% | 3,668 |
| Return on assets (ROA) | 0.7353% | 3,804 |
| Pretax return on assets | 1.0888% | 3,278 |
| Return on Equity (ROE) | 5.9588% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.9588% | 2,206 |
| Net charge-offs to loans | 0.3543% | 637 |
| Credit loss provision to net charge-offs | 45.9459% | 3,086 |
| Earnings coverage of net charge-offs (x) | 3.8054% | 3,358 |
| Efficiency ratio | 65.1226% | 3,742 |
| Assets per employee ($millions) | 6.3213% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5330% | 5,696 |
| Loan loss allowance to noncurrent loans | 31.4861% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7395% | 966 |
| Noncurrent loans to loans | 1.6928% | 1,243 |
| Net loans and leases to total assets | 92.2569% | 22 |
| Net loans and leases to deposits | 122.4223% | 90 |
| Net loans and leases to core deposits | 140.1775% | 190 |
| Total domestic deposits to total assets | 75.3596% | 5,304 |
| Equity capital to assets | 12.5990% | 1,706 |
| Core capital (leverage) ratio | 12.4375% | 1,424 |
| Tier 1 risk-based capital ratio | 18.8721% | 1,699 |
| Total risk-based capital ratio | 19.6126% | 1,783 |
| Memoranda: | ||
| Average total assets | $151,600,000 | 3,508 |
| Average earning assets | $142,386,750 | 3,483 |
| Average equity | $18,705,750 | 3,340 |
| Average total loans | $139,244,000 | 2,798 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,160 |
| Cost of funding earning assets | 1.1020% | 90 |
| Net interest margin | 3.5507% | 3,293 |
| Noninterest income to average assets | 0.2283% | 5,122 |
| Noninterest expense to average assets | 2.3093% | 4,585 |
| Loan and lease loss provision to assets | 0.1306% | 1,748 |
| Net operating income to assets | 0.7561% | 3,523 |
| Return on assets (ROA) | 0.7561% | 3,672 |
| Pretax return on assets | 1.1216% | 3,118 |
| Return on Equity (ROE) | 6.1714% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.1714% | 2,030 |
| Net charge-offs to loans | 0.4670% | 473 |
| Credit loss provision to net charge-offs | 30.5556% | 2,855 |
| Earnings coverage of net charge-offs (x) | 2.9290% | 3,195 |
| Efficiency ratio | 64.8388% | 3,872 |
| Assets per employee ($millions) | 6.3488% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 5,775 |
| Loan loss allowance to noncurrent loans | 34.1820% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7247% | 1,030 |
| Noncurrent loans to loans | 1.5292% | 1,421 |
| Net loans and leases to total assets | 90.5519% | 54 |
| Net loans and leases to deposits | 119.6849% | 101 |
| Net loans and leases to core deposits | 135.5677% | 224 |
| Total domestic deposits to total assets | 75.6586% | 5,329 |
| Equity capital to assets | 12.3719% | 1,854 |
| Core capital (leverage) ratio | 12.3575% | 1,431 |
| Tier 1 risk-based capital ratio | 18.8340% | 1,731 |
| Total risk-based capital ratio | 19.5584% | 1,812 |
| Memoranda: | ||
| Average total assets | $151,563,330 | 3,539 |
| Average earning assets | $142,281,000 | 3,507 |
| Average equity | $18,569,670 | 3,364 |
| Average total loans | $138,754,330 | 2,811 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,123 |
| Cost of funding earning assets | 1.0998% | 93 |
| Net interest margin | 3.5618% | 3,234 |
| Noninterest income to average assets | 0.2276% | 5,110 |
| Noninterest expense to average assets | 2.2943% | 4,677 |
| Loan and lease loss provision to assets | 0.0900% | 2,179 |
| Net operating income to assets | 0.7992% | 3,254 |
| Return on assets (ROA) | 0.7992% | 3,368 |
| Pretax return on assets | 1.1855% | 2,760 |
| Return on Equity (ROE) | 6.5549% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.5549% | 2,107 |
| Net charge-offs to loans | 0.6744% | 319 |
| Credit loss provision to net charge-offs | 14.5299% | 2,334 |
| Earnings coverage of net charge-offs (x) | 2.0598% | 2,734 |
| Efficiency ratio | 64.2698% | 4,078 |
| Assets per employee ($millions) | 6.3000% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5418% | 5,826 |
| Loan loss allowance to noncurrent loans | 27.1346% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 761 |
| Noncurrent loans to loans | 1.9967% | 1,077 |
| Net loans and leases to total assets | 91.0576% | 45 |
| Net loans and leases to deposits | 120.3602% | 98 |
| Net loans and leases to core deposits | 135.7349% | 213 |
| Total domestic deposits to total assets | 75.6543% | 5,456 |
| Equity capital to assets | 12.2883% | 1,836 |
| Core capital (leverage) ratio | 12.2314% | 1,477 |
| Tier 1 risk-based capital ratio | 18.5872% | 1,829 |
| Total risk-based capital ratio | 19.3375% | 1,924 |
| Memoranda: | ||
| Average total assets | $151,160,000 | 3,568 |
| Average earning assets | $141,839,000 | 3,529 |
| Average equity | $18,429,000 | 3,379 |
| Average total loans | $138,782,000 | 2,810 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 1,068 |
| Cost of funding earning assets | 1.0559% | 127 |
| Net interest margin | 3.6634% | 2,890 |
| Noninterest income to average assets | 0.2469% | 5,119 |
| Noninterest expense to average assets | 2.5590% | 4,044 |
| Loan and lease loss provision to assets | 0.1981% | 1,090 |
| Net operating income to assets | 0.6258% | 4,156 |
| Return on assets (ROA) | 0.6258% | 4,247 |
| Pretax return on assets | 0.9401% | 3,694 |
| Return on Equity (ROE) | 5.0877% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.0877% | 2,358 |
| Net charge-offs to loans | 0.1322% | 2,044 |
| Credit loss provision to net charge-offs | 161.7978% | 1,664 |
| Earnings coverage of net charge-offs (x) | 9.2978% | 2,835 |
| Efficiency ratio | 69.2150% | 3,363 |
| Assets per employee ($millions) | 6.2966% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 5,660 |
| Loan loss allowance to noncurrent loans | 26.8437% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.7310% | 528 |
| Noncurrent loans to loans | 2.5436% | 711 |
| Net loans and leases to total assets | 91.4405% | 33 |
| Net loans and leases to deposits | 120.4827% | 101 |
| Net loans and leases to core deposits | 137.1621% | 198 |
| Total domestic deposits to total assets | 75.8952% | 5,455 |
| Equity capital to assets | 12.0951% | 1,883 |
| Core capital (leverage) ratio | 12.2025% | 1,501 |
| Tier 1 risk-based capital ratio | 18.1457% | 1,920 |
| Total risk-based capital ratio | 19.0888% | 1,962 |
| Memoranda: | ||
| Average total assets | $145,410,000 | 3,638 |
| Average earning assets | $136,950,400 | 3,580 |
| Average equity | $17,886,400 | 3,398 |
| Average total loans | $134,681,000 | 2,807 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 1,030 |
| Cost of funding earning assets | 1.0561% | 128 |
| Net interest margin | 3.6831% | 2,837 |
| Noninterest income to average assets | 0.2565% | 5,104 |
| Noninterest expense to average assets | 2.4447% | 4,372 |
| Loan and lease loss provision to assets | 0.1546% | 1,403 |
| Net operating income to assets | 0.7640% | 3,619 |
| Return on assets (ROA) | 0.7640% | 3,712 |
| Pretax return on assets | 1.1288% | 3,105 |
| Return on Equity (ROE) | 6.1836% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.1836% | 2,128 |
| Net charge-offs to loans | 0.1467% | 1,663 |
| Credit loss provision to net charge-offs | 113.6054% | 2,071 |
| Earnings coverage of net charge-offs (x) | 9.4283% | 2,700 |
| Efficiency ratio | 65.5738% | 3,965 |
| Assets per employee ($millions) | 6.1418% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6272% | 5,855 |
| Loan loss allowance to noncurrent loans | 24.4318% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.6885% | 611 |
| Noncurrent loans to loans | 2.5672% | 782 |
| Net loans and leases to total assets | 92.4371% | 22 |
| Net loans and leases to deposits | 118.5465% | 116 |
| Net loans and leases to core deposits | 135.1562% | 215 |
| Total domestic deposits to total assets | 77.9753% | 5,187 |
| Equity capital to assets | 12.3424% | 1,843 |
| Core capital (leverage) ratio | 12.3311% | 1,501 |
| Tier 1 risk-based capital ratio | 19.1286% | 1,741 |
| Total risk-based capital ratio | 20.0328% | 1,797 |
| Memoranda: | ||
| Average total assets | $143,982,750 | 3,687 |
| Average earning assets | $135,716,750 | 3,632 |
| Average equity | $17,788,500 | 3,437 |
| Average total loans | $133,567,750 | 2,841 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 991 |
| Cost of funding earning assets | 1.0673% | 120 |
| Net interest margin | 3.6769% | 2,808 |
| Noninterest income to average assets | 0.2492% | 5,165 |
| Noninterest expense to average assets | 2.4572% | 4,372 |
| Loan and lease loss provision to assets | 0.0812% | 2,484 |
| Net operating income to assets | 0.7967% | 3,408 |
| Return on assets (ROA) | 0.7967% | 3,500 |
| Pretax return on assets | 1.1789% | 2,867 |
| Return on Equity (ROE) | 6.4463% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.4463% | 1,978 |
| Net charge-offs to loans | 0.0725% | 2,351 |
| Credit loss provision to net charge-offs | 120.8333% | 1,799 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,790 |
| Efficiency ratio | 66.1017% | 3,989 |
| Assets per employee ($millions) | 6.0478% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6298% | 5,927 |
| Loan loss allowance to noncurrent loans | 25.0147% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 2.6270% | 698 |
| Noncurrent loans to loans | 2.5176% | 886 |
| Net loans and leases to total assets | 92.4022% | 24 |
| Net loans and leases to deposits | 113.6678% | 189 |
| Net loans and leases to core deposits | 130.3161% | 268 |
| Total domestic deposits to total assets | 81.2915% | 4,521 |
| Equity capital to assets | 12.3577% | 1,764 |
| Core capital (leverage) ratio | 12.4511% | 1,403 |
| Tier 1 risk-based capital ratio | 19.3104% | 1,719 |
| Total risk-based capital ratio | 20.2254% | 1,768 |
| Memoranda: | ||
| Average total assets | $142,842,670 | 3,736 |
| Average earning assets | $134,733,330 | 3,686 |
| Average equity | $17,653,670 | 3,473 |
| Average total loans | $132,385,330 | 2,867 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 925 |
| Cost of funding earning assets | 1.0760% | 115 |
| Net interest margin | 3.6865% | 2,669 |
| Noninterest income to average assets | 0.2258% | 5,340 |
| Noninterest expense to average assets | 2.4561% | 4,424 |
| Loan and lease loss provision to assets | 0.0339% | 3,214 |
| Net operating income to assets | 0.8159% | 3,181 |
| Return on assets (ROA) | 0.8159% | 3,307 |
| Pretax return on assets | 1.2083% | 2,633 |
| Return on Equity (ROE) | 6.6012% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.6012% | 2,191 |
| Net charge-offs to loans | 0.0061% | 3,116 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 262 |
| Efficiency ratio | 66.4122% | 4,075 |
| Assets per employee ($millions) | 6.4789% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 5,994 |
| Loan loss allowance to noncurrent loans | 25.9304% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 2.6007% | 800 |
| Noncurrent loans to loans | 2.4907% | 975 |
| Net loans and leases to total assets | 91.7368% | 30 |
| Net loans and leases to deposits | 111.1406% | 202 |
| Net loans and leases to core deposits | 127.9583% | 270 |
| Total domestic deposits to total assets | 82.5413% | 4,333 |
| Equity capital to assets | 12.3877% | 1,764 |
| Core capital (leverage) ratio | 12.3675% | 1,418 |
| Tier 1 risk-based capital ratio | 19.9293% | 1,639 |
| Total risk-based capital ratio | 20.8887% | 1,663 |
| Memoranda: | ||
| Average total assets | $141,690,000 | 3,785 |
| Average earning assets | $133,460,500 | 3,728 |
| Average equity | $17,512,000 | 3,518 |
| Average total loans | $131,093,000 | 2,900 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 1,042 |
| Cost of funding earning assets | 1.1848% | 90 |
| Net interest margin | 3.6497% | 3,219 |
| Noninterest income to average assets | 0.2694% | 5,194 |
| Noninterest expense to average assets | 2.5334% | 4,444 |
| Loan and lease loss provision to assets | 0.1972% | 1,295 |
| Net operating income to assets | 0.6630% | 4,073 |
| Return on assets (ROA) | 0.6630% | 4,171 |
| Pretax return on assets | 0.9735% | 3,598 |
| Return on Equity (ROE) | 5.4268% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.4268% | 2,313 |
| Net charge-offs to loans | 0.1865% | 2,178 |
| Credit loss provision to net charge-offs | 117.1674% | 2,041 |
| Earnings coverage of net charge-offs (x) | 6.9571% | 3,110 |
| Efficiency ratio | 68.3954% | 3,826 |
| Assets per employee ($millions) | 6.4020% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6433% | 6,083 |
| Loan loss allowance to noncurrent loans | 26.8972% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 2.5219% | 912 |
| Noncurrent loans to loans | 2.3917% | 1,079 |
| Net loans and leases to total assets | 92.1147% | 27 |
| Net loans and leases to deposits | 109.7299% | 247 |
| Net loans and leases to core deposits | 126.6837% | 287 |
| Total domestic deposits to total assets | 83.9468% | 3,736 |
| Equity capital to assets | 12.3307% | 1,749 |
| Core capital (leverage) ratio | 12.3307% | 1,434 |
| Tier 1 risk-based capital ratio | 19.4787% | 1,730 |
| Total risk-based capital ratio | 20.4208% | 1,764 |
| Memoranda: | ||
| Average total assets | $138,469,600 | 3,831 |
| Average earning assets | $130,313,000 | 3,766 |
| Average equity | $16,916,000 | 3,538 |
| Average total loans | $124,902,000 | 2,957 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 1,048 |
| Cost of funding earning assets | 1.2082% | 86 |
| Net interest margin | 3.6268% | 3,324 |
| Noninterest income to average assets | 0.2737% | 5,251 |
| Noninterest expense to average assets | 2.4862% | 4,574 |
| Loan and lease loss provision to assets | 0.1644% | 1,509 |
| Net operating income to assets | 0.7059% | 3,913 |
| Return on assets (ROA) | 0.7059% | 4,016 |
| Pretax return on assets | 1.0367% | 3,442 |
| Return on Equity (ROE) | 5.7924% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.7924% | 2,542 |
| Net charge-offs to loans | 0.2375% | 1,619 |
| Credit loss provision to net charge-offs | 77.2727% | 2,649 |
| Earnings coverage of net charge-offs (x) | 5.6454% | 3,224 |
| Efficiency ratio | 67.4272% | 3,956 |
| Assets per employee ($millions) | 6.2000% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 6,233 |
| Loan loss allowance to noncurrent loans | 28.1532% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.2412% | 1,225 |
| Noncurrent loans to loans | 2.1048% | 1,487 |
| Net loans and leases to total assets | 92.2441% | 23 |
| Net loans and leases to deposits | 108.4365% | 255 |
| Net loans and leases to core deposits | 125.4987% | 292 |
| Total domestic deposits to total assets | 85.0673% | 3,315 |
| Equity capital to assets | 12.5954% | 1,641 |
| Core capital (leverage) ratio | 12.5954% | 1,354 |
| Tier 1 risk-based capital ratio | 19.8615% | 1,705 |
| Total risk-based capital ratio | 20.7286% | 1,756 |
| Memoranda: | ||
| Average total assets | $137,876,000 | 3,867 |
| Average earning assets | $129,771,250 | 3,793 |
| Average equity | $16,803,250 | 3,573 |
| Average total loans | $123,483,000 | 2,999 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 1,039 |
| Cost of funding earning assets | 1.2273% | 80 |
| Net interest margin | 3.5927% | 3,386 |
| Noninterest income to average assets | 0.2761% | 5,216 |
| Noninterest expense to average assets | 2.4399% | 4,769 |
| Loan and lease loss provision to assets | 0.2168% | 1,084 |
| Net operating income to assets | 0.6808% | 3,938 |
| Return on assets (ROA) | 0.6808% | 4,036 |
| Pretax return on assets | 1.0002% | 3,478 |
| Return on Equity (ROE) | 5.6483% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.6483% | 2,547 |
| Net charge-offs to loans | 0.3283% | 1,245 |
| Credit loss provision to net charge-offs | 74.6269% | 2,392 |
| Earnings coverage of net charge-offs (x) | 4.1891% | 3,160 |
| Efficiency ratio | 66.7194% | 4,241 |
| Assets per employee ($millions) | 6.2756% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 6,302 |
| Loan loss allowance to noncurrent loans | 28.1051% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3308% | 1,266 |
| Noncurrent loans to loans | 2.1667% | 1,525 |
| Net loans and leases to total assets | 88.5444% | 83 |
| Net loans and leases to deposits | 103.6659% | 376 |
| Net loans and leases to core deposits | 119.4540% | 393 |
| Total domestic deposits to total assets | 85.4133% | 3,321 |
| Equity capital to assets | 12.2559% | 1,809 |
| Core capital (leverage) ratio | 12.2559% | 1,521 |
| Tier 1 risk-based capital ratio | 19.8308% | 1,726 |
| Total risk-based capital ratio | 20.7086% | 1,778 |
| Memoranda: | ||
| Average total assets | $138,368,330 | 3,880 |
| Average earning assets | $130,209,670 | 3,805 |
| Average equity | $16,677,670 | 3,586 |
| Average total loans | $122,454,000 | 3,019 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 1,000 |
| Cost of funding earning assets | 1.2307% | 85 |
| Net interest margin | 3.5938% | 3,268 |
| Noninterest income to average assets | 0.3003% | 4,955 |
| Noninterest expense to average assets | 2.4949% | 4,637 |
| Loan and lease loss provision to assets | 0.2888% | 688 |
| Net operating income to assets | 0.6122% | 4,144 |
| Return on assets (ROA) | 0.6122% | 4,223 |
| Pretax return on assets | 0.8981% | 3,701 |
| Return on Equity (ROE) | 5.1220% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.1220% | 3,045 |
| Net charge-offs to loans | 0.4649% | 779 |
| Credit loss provision to net charge-offs | 70.4225% | 2,000 |
| Earnings coverage of net charge-offs (x) | 2.8944% | 2,773 |
| Efficiency ratio | 67.7647% | 4,215 |
| Assets per employee ($millions) | 6.3145% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 6,378 |
| Loan loss allowance to noncurrent loans | 41.0395% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6182% | 2,178 |
| Noncurrent loans to loans | 1.5147% | 2,525 |
| Net loans and leases to total assets | 87.2328% | 103 |
| Net loans and leases to deposits | 102.6592% | 346 |
| Net loans and leases to core deposits | 116.4808% | 398 |
| Total domestic deposits to total assets | 84.9731% | 3,880 |
| Equity capital to assets | 11.9941% | 1,870 |
| Core capital (leverage) ratio | 11.9941% | 1,657 |
| Tier 1 risk-based capital ratio | 19.6315% | 1,805 |
| Total risk-based capital ratio | 20.5245% | 1,855 |
| Memoranda: | ||
| Average total assets | $138,520,500 | 3,909 |
| Average earning assets | $130,336,500 | 3,827 |
| Average equity | $16,556,000 | 3,610 |
| Average total loans | $122,182,500 | 3,026 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 1,058 |
| Cost of funding earning assets | 1.4092% | 69 |
| Net interest margin | 3.5097% | 3,855 |
| Noninterest income to average assets | 0.3813% | 4,581 |
| Noninterest expense to average assets | 2.3144% | 5,335 |
| Loan and lease loss provision to assets | 0.4822% | 582 |
| Net operating income to assets | 0.6083% | 4,228 |
| Return on assets (ROA) | 0.6083% | 4,343 |
| Pretax return on assets | 0.9003% | 3,762 |
| Return on Equity (ROE) | 5.2565% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.2565% | 2,441 |
| Net charge-offs to loans | 0.4745% | 1,404 |
| Credit loss provision to net charge-offs | 117.5747% | 2,048 |
| Earnings coverage of net charge-offs (x) | 3.3708% | 3,873 |
| Efficiency ratio | 62.6048% | 5,111 |
| Assets per employee ($millions) | 6.2783% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 6,414 |
| Loan loss allowance to noncurrent loans | 50.5370% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4567% | 2,558 |
| Noncurrent loans to loans | 1.2930% | 2,972 |
| Net loans and leases to total assets | 88.0556% | 87 |
| Net loans and leases to deposits | 103.5477% | 336 |
| Net loans and leases to core deposits | 118.2237% | 368 |
| Total domestic deposits to total assets | 85.0387% | 3,726 |
| Equity capital to assets | 11.9097% | 1,858 |
| Core capital (leverage) ratio | 11.9097% | 1,668 |
| Tier 1 risk-based capital ratio | 19.2357% | 1,855 |
| Total risk-based capital ratio | 20.1712% | 1,906 |
| Memoranda: | ||
| Average total assets | $138,738,000 | 3,905 |
| Average earning assets | $131,064,000 | 3,824 |
| Average equity | $16,056,400 | 3,691 |
| Average total loans | $119,922,000 | 3,042 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 1,061 |
| Cost of funding earning assets | 1.4452% | 66 |
| Net interest margin | 3.4881% | 3,930 |
| Noninterest income to average assets | 0.4176% | 4,388 |
| Noninterest expense to average assets | 2.2588% | 5,460 |
| Loan and lease loss provision to assets | 0.4454% | 643 |
| Net operating income to assets | 0.6816% | 3,944 |
| Return on assets (ROA) | 0.6816% | 4,087 |
| Pretax return on assets | 1.0128% | 3,461 |
| Return on Equity (ROE) | 5.9321% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.9321% | 2,455 |
| Net charge-offs to loans | 0.5163% | 1,251 |
| Credit loss provision to net charge-offs | 100.4329% | 2,328 |
| Earnings coverage of net charge-offs (x) | 3.2879% | 3,748 |
| Efficiency ratio | 60.7696% | 5,311 |
| Assets per employee ($millions) | 6.2485% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5850% | 6,582 |
| Loan loss allowance to noncurrent loans | 38.0488% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 2,239 |
| Noncurrent loans to loans | 1.5376% | 2,862 |
| Net loans and leases to total assets | 86.7779% | 115 |
| Net loans and leases to deposits | 101.9947% | 381 |
| Net loans and leases to core deposits | 115.9651% | 393 |
| Total domestic deposits to total assets | 85.0808% | 3,698 |
| Equity capital to assets | 11.8690% | 2,000 |
| Core capital (leverage) ratio | 11.8690% | 1,758 |
| Tier 1 risk-based capital ratio | 19.4363% | 1,878 |
| Total risk-based capital ratio | 20.2726% | 1,945 |
| Memoranda: | ||
| Average total assets | $138,891,750 | 3,939 |
| Average earning assets | $131,376,750 | 3,852 |
| Average equity | $15,958,000 | 3,747 |
| Average total loans | $119,296,250 | 3,073 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 973 |
| Cost of funding earning assets | 1.4856% | 58 |
| Net interest margin | 3.4765% | 3,894 |
| Noninterest income to average assets | 0.4937% | 3,878 |
| Noninterest expense to average assets | 2.2373% | 5,532 |
| Loan and lease loss provision to assets | 0.5252% | 507 |
| Net operating income to assets | 0.6845% | 3,879 |
| Return on assets (ROA) | 0.6845% | 4,047 |
| Pretax return on assets | 1.0189% | 3,420 |
| Return on Equity (ROE) | 6.0232% | 4,161 |
| Retained earnings to average equity (ytd only) | 6.0232% | 2,427 |
| Net charge-offs to loans | 0.5728% | 1,154 |
| Credit loss provision to net charge-offs | 107.3314% | 2,065 |
| Earnings coverage of net charge-offs (x) | 3.1554% | 3,470 |
| Efficiency ratio | 59.1651% | 5,585 |
| Assets per employee ($millions) | 6.3157% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6145% | 6,596 |
| Loan loss allowance to noncurrent loans | 49.1537% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.7662% | 2,465 |
| Noncurrent loans to loans | 1.2502% | 3,454 |
| Net loans and leases to total assets | 84.5062% | 207 |
| Net loans and leases to deposits | 99.7757% | 440 |
| Net loans and leases to core deposits | 113.2777% | 452 |
| Total domestic deposits to total assets | 84.6962% | 4,043 |
| Equity capital to assets | 11.5750% | 2,238 |
| Core capital (leverage) ratio | 11.5750% | 1,873 |
| Tier 1 risk-based capital ratio | 19.1059% | 1,968 |
| Total risk-based capital ratio | 19.9684% | 2,045 |
| Memoranda: | ||
| Average total assets | $139,366,670 | 3,962 |
| Average earning assets | $131,798,670 | 3,871 |
| Average equity | $15,838,670 | 3,798 |
| Average total loans | $119,064,000 | 3,091 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 843 |
| Cost of funding earning assets | 1.5060% | 59 |
| Net interest margin | 3.5271% | 3,589 |
| Noninterest income to average assets | 0.2293% | 5,822 |
| Noninterest expense to average assets | 2.3328% | 5,330 |
| Loan and lease loss provision to assets | 0.2866% | 1,228 |
| Net operating income to assets | 0.6362% | 4,042 |
| Return on assets (ROA) | 0.6362% | 4,202 |
| Pretax return on assets | 0.9457% | 3,581 |
| Return on Equity (ROE) | 5.6501% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.6501% | 2,864 |
| Net charge-offs to loans | 0.7296% | 836 |
| Credit loss provision to net charge-offs | 45.8716% | 2,665 |
| Earnings coverage of net charge-offs (x) | 1.9725% | 3,178 |
| Efficiency ratio | 65.4341% | 4,761 |
| Assets per employee ($millions) | 6.3614% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4900% | 6,797 |
| Loan loss allowance to noncurrent loans | 44.5295% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4569% | 3,072 |
| Noncurrent loans to loans | 1.1005% | 3,943 |
| Net loans and leases to total assets | 84.4466% | 177 |
| Net loans and leases to deposits | 100.2273% | 341 |
| Net loans and leases to core deposits | 112.6475% | 422 |
| Total domestic deposits to total assets | 84.2551% | 4,372 |
| Equity capital to assets | 11.3098% | 2,625 |
| Core capital (leverage) ratio | 11.3098% | 2,008 |
| Tier 1 risk-based capital ratio | 18.6662% | 2,135 |
| Total risk-based capital ratio | 19.3526% | 2,287 |
| Memoranda: | ||
| Average total assets | $139,577,000 | 3,997 |
| Average earning assets | $132,005,500 | 3,901 |
| Average equity | $15,716,500 | 3,871 |
| Average total loans | $119,524,000 | 3,095 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 1,011 |
| Cost of funding earning assets | 1.7312% | 67 |
| Net interest margin | 3.5216% | 4,413 |
| Noninterest income to average assets | 0.2750% | 5,495 |
| Noninterest expense to average assets | 2.3066% | 5,678 |
| Loan and lease loss provision to assets | 0.2843% | 2,382 |
| Net operating income to assets | 0.6827% | 3,819 |
| Return on assets (ROA) | 0.6827% | 4,087 |
| Pretax return on assets | 1.0122% | 3,510 |
| Return on Equity (ROE) | 6.2606% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.2606% | 1,945 |
| Net charge-offs to loans | 0.4169% | 2,575 |
| Credit loss provision to net charge-offs | 79.8387% | 3,837 |
| Earnings coverage of net charge-offs (x) | 3.6411% | 3,647 |
| Efficiency ratio | 64.0167% | 4,884 |
| Assets per employee ($millions) | 6.3275% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 6,780 |
| Loan loss allowance to noncurrent loans | 37.0566% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 1.6451% | 2,930 |
| Noncurrent loans to loans | 1.5705% | 3,265 |
| Net loans and leases to total assets | 85.9049% | 131 |
| Net loans and leases to deposits | 101.8569% | 331 |
| Net loans and leases to core deposits | 115.0700% | 382 |
| Total domestic deposits to total assets | 84.3388% | 4,164 |
| Equity capital to assets | 11.2102% | 2,722 |
| Core capital (leverage) ratio | 11.2102% | 2,084 |
| Tier 1 risk-based capital ratio | 18.1821% | 2,199 |
| Total risk-based capital ratio | 18.9977% | 2,322 |
| Memoranda: | ||
| Average total assets | $139,295,200 | 3,963 |
| Average earning assets | $131,645,800 | 3,856 |
| Average equity | $15,190,200 | 3,921 |
| Average total loans | $118,959,600 | 3,103 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 1,033 |
| Cost of funding earning assets | 1.7698% | 65 |
| Net interest margin | 3.5183% | 4,573 |
| Noninterest income to average assets | 0.2814% | 5,528 |
| Noninterest expense to average assets | 2.2404% | 5,853 |
| Loan and lease loss provision to assets | 0.1895% | 3,218 |
| Net operating income to assets | 0.7905% | 3,497 |
| Return on assets (ROA) | 0.7905% | 3,736 |
| Pretax return on assets | 1.1752% | 3,081 |
| Return on Equity (ROE) | 7.3000% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.3000% | 1,944 |
| Net charge-offs to loans | 0.2360% | 3,307 |
| Credit loss provision to net charge-offs | 94.2857% | 3,169 |
| Earnings coverage of net charge-offs (x) | 6.7906% | 2,711 |
| Efficiency ratio | 62.1449% | 5,130 |
| Assets per employee ($millions) | 6.7082% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6624% | 6,789 |
| Loan loss allowance to noncurrent loans | 50.7405% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 3,435 |
| Noncurrent loans to loans | 1.3055% | 3,859 |
| Net loans and leases to total assets | 83.8840% | 233 |
| Net loans and leases to deposits | 99.1226% | 490 |
| Net loans and leases to core deposits | 111.8410% | 505 |
| Total domestic deposits to total assets | 84.6265% | 3,921 |
| Equity capital to assets | 10.9894% | 3,294 |
| Core capital (leverage) ratio | 10.9894% | 2,396 |
| Tier 1 risk-based capital ratio | 18.0276% | 2,327 |
| Total risk-based capital ratio | 18.9452% | 2,431 |
| Memoranda: | ||
| Average total assets | $139,318,000 | 4,002 |
| Average earning assets | $131,615,000 | 3,901 |
| Average equity | $15,086,500 | 3,980 |
| Average total loans | $118,628,750 | 3,149 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 970 |
| Cost of funding earning assets | 1.8195% | 64 |
| Net interest margin | 3.5244% | 4,572 |
| Noninterest income to average assets | 0.2795% | 5,575 |
| Noninterest expense to average assets | 2.1988% | 6,013 |
| Loan and lease loss provision to assets | 0.1628% | 3,477 |
| Net operating income to assets | 0.8357% | 3,214 |
| Return on assets (ROA) | 0.8357% | 3,481 |
| Pretax return on assets | 1.2450% | 2,746 |
| Return on Equity (ROE) | 7.7566% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.7566% | 1,737 |
| Net charge-offs to loans | 0.1907% | 3,438 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 8.6460% | 2,263 |
| Efficiency ratio | 60.9668% | 5,427 |
| Assets per employee ($millions) | 6.6633% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 6,851 |
| Loan loss allowance to noncurrent loans | 77.5946% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 4,156 |
| Noncurrent loans to loans | 0.8750% | 4,742 |
| Net loans and leases to total assets | 83.6310% | 230 |
| Net loans and leases to deposits | 98.7178% | 484 |
| Net loans and leases to core deposits | 111.3931% | 526 |
| Total domestic deposits to total assets | 84.7172% | 3,990 |
| Equity capital to assets | 10.8877% | 3,242 |
| Core capital (leverage) ratio | 10.8877% | 2,403 |
| Tier 1 risk-based capital ratio | 17.9542% | 2,304 |
| Total risk-based capital ratio | 18.8969% | 2,387 |
| Memoranda: | ||
| Average total assets | $138,800,000 | 4,038 |
| Average earning assets | $131,028,330 | 3,939 |
| Average equity | $14,955,000 | 3,998 |
| Average total loans | $118,519,330 | 3,170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 900 |
| Cost of funding earning assets | 1.8284% | 77 |
| Net interest margin | 3.5770% | 4,368 |
| Noninterest income to average assets | 0.3067% | 5,431 |
| Noninterest expense to average assets | 2.2657% | 5,866 |
| Loan and lease loss provision to assets | 0.0289% | 5,002 |
| Net operating income to assets | 0.9288% | 2,792 |
| Return on assets (ROA) | 0.9288% | 2,998 |
| Pretax return on assets | 1.3860% | 2,230 |
| Return on Equity (ROE) | 8.6669% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.6669% | 1,712 |
| Net charge-offs to loans | 0.0337% | 4,217 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 48.9000% | 643 |
| Efficiency ratio | 61.5566% | 5,358 |
| Assets per employee ($millions) | 6.6346% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 6,900 |
| Loan loss allowance to noncurrent loans | 76.6284% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 4,194 |
| Noncurrent loans to loans | 0.8870% | 4,893 |
| Net loans and leases to total assets | 83.8996% | 187 |
| Net loans and leases to deposits | 100.6692% | 347 |
| Net loans and leases to core deposits | 113.8364% | 437 |
| Total domestic deposits to total assets | 83.3419% | 4,796 |
| Equity capital to assets | 10.7482% | 3,214 |
| Core capital (leverage) ratio | 10.7482% | 2,498 |
| Tier 1 risk-based capital ratio | 17.7035% | 2,402 |
| Total risk-based capital ratio | 18.6492% | 2,486 |
| Memoranda: | ||
| Average total assets | $138,235,500 | 4,066 |
| Average earning assets | $130,387,500 | 3,980 |
| Average equity | $14,815,000 | 4,034 |
| Average total loans | $118,867,000 | 3,177 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 790 |
| Cost of funding earning assets | 2.0091% | 96 |
| Net interest margin | 3.6850% | 4,365 |
| Noninterest income to average assets | 0.1998% | 6,071 |
| Noninterest expense to average assets | 2.3224% | 5,993 |
| Loan and lease loss provision to assets | 0.3491% | 2,903 |
| Net operating income to assets | 0.6748% | 3,603 |
| Return on assets (ROA) | 0.6748% | 3,804 |
| Pretax return on assets | 1.0093% | 3,208 |
| Return on Equity (ROE) | 6.4712% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.4712% | 1,755 |
| Net charge-offs to loans | 0.4100% | 3,374 |
| Credit loss provision to net charge-offs | 97.5460% | 3,687 |
| Earnings coverage of net charge-offs (x) | 3.7955% | 3,384 |
| Efficiency ratio | 63.0941% | 5,279 |
| Assets per employee ($millions) | 6.8573% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 6,946 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 3,970 |
| Noncurrent loans to loans | 1.2496% | 4,279 |
| Net loans and leases to total assets | 86.9445% | 110 |
| Net loans and leases to deposits | 104.2700% | 303 |
| Net loans and leases to core deposits | 111.2635% | 581 |
| Total domestic deposits to total assets | 83.3840% | 4,597 |
| Equity capital to assets | 10.6858% | 3,316 |
| Core capital (leverage) ratio | 10.6858% | 2,537 |
| Tier 1 risk-based capital ratio | 17.3290% | 2,454 |
| Total risk-based capital ratio | 18.2750% | 2,545 |
| Memoranda: | ||
| Average total assets | $136,624,000 | 4,039 |
| Average earning assets | $129,064,800 | 3,952 |
| Average equity | $14,247,800 | 4,057 |
| Average total loans | $119,266,800 | 3,187 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7194% | 821 |
| Cost of funding earning assets | 2.0567% | 94 |
| Net interest margin | 3.6628% | 4,515 |
| Noninterest income to average assets | 0.2012% | 6,161 |
| Noninterest expense to average assets | 2.1676% | 6,352 |
| Loan and lease loss provision to assets | 0.2716% | 3,332 |
| Net operating income to assets | 0.8059% | 3,129 |
| Return on assets (ROA) | 0.8059% | 3,294 |
| Pretax return on assets | 1.2240% | 2,545 |
| Return on Equity (ROE) | 7.7758% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.7758% | 1,599 |
| Net charge-offs to loans | 0.3505% | 3,343 |
| Credit loss provision to net charge-offs | 88.8179% | 3,810 |
| Earnings coverage of net charge-offs (x) | 4.8914% | 2,931 |
| Efficiency ratio | 59.1733% | 5,837 |
| Assets per employee ($millions) | 6.4440% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6469% | 7,030 |
| Loan loss allowance to noncurrent loans | 61.7834% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3538% | 4,113 |
| Noncurrent loans to loans | 1.0470% | 4,810 |
| Net loans and leases to total assets | 88.0759% | 79 |
| Net loans and leases to deposits | 105.8236% | 255 |
| Net loans and leases to core deposits | 113.8193% | 557 |
| Total domestic deposits to total assets | 83.2290% | 4,595 |
| Equity capital to assets | 10.7580% | 3,414 |
| Core capital (leverage) ratio | 10.7580% | 2,605 |
| Tier 1 risk-based capital ratio | 17.3696% | 2,498 |
| Total risk-based capital ratio | 18.2955% | 2,586 |
| Memoranda: | ||
| Average total assets | $136,493,750 | 4,071 |
| Average earning assets | $129,007,250 | 3,972 |
| Average equity | $14,146,000 | 4,098 |
| Average total loans | $119,073,500 | 3,220 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 825 |
| Cost of funding earning assets | 2.1339% | 87 |
| Net interest margin | 3.5992% | 4,716 |
| Noninterest income to average assets | 0.2075% | 6,182 |
| Noninterest expense to average assets | 2.1171% | 6,558 |
| Loan and lease loss provision to assets | 0.2279% | 3,634 |
| Net operating income to assets | 0.8343% | 2,925 |
| Return on assets (ROA) | 0.8343% | 3,040 |
| Pretax return on assets | 1.2682% | 2,246 |
| Return on Equity (ROE) | 8.1521% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.1521% | 1,407 |
| Net charge-offs to loans | 0.2644% | 3,567 |
| Credit loss provision to net charge-offs | 99.3631% | 3,185 |
| Earnings coverage of net charge-offs (x) | 6.5223% | 2,384 |
| Efficiency ratio | 58.5928% | 6,087 |
| Assets per employee ($millions) | 6.1266% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 7,042 |
| Loan loss allowance to noncurrent loans | 58.3573% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 4,370 |
| Noncurrent loans to loans | 1.1675% | 4,703 |
| Net loans and leases to total assets | 87.6069% | 88 |
| Net loans and leases to deposits | 105.1600% | 287 |
| Net loans and leases to core deposits | 113.0914% | 613 |
| Total domestic deposits to total assets | 83.3082% | 4,636 |
| Equity capital to assets | 10.6125% | 3,371 |
| Core capital (leverage) ratio | 10.6125% | 2,607 |
| Tier 1 risk-based capital ratio | 17.1853% | 2,446 |
| Total risk-based capital ratio | 18.1584% | 2,531 |
| Memoranda: | ||
| Average total assets | $136,884,000 | 4,087 |
| Average earning assets | $129,527,000 | 4,000 |
| Average equity | $14,008,670 | 4,122 |
| Average total loans | $118,777,000 | 3,252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 825 |
| Cost of funding earning assets | 2.1310% | 106 |
| Net interest margin | 3.6047% | 4,550 |
| Noninterest income to average assets | 0.1131% | 6,847 |
| Noninterest expense to average assets | 2.1286% | 6,572 |
| Loan and lease loss provision to assets | 0.2813% | 2,899 |
| Net operating income to assets | 0.7395% | 3,325 |
| Return on assets (ROA) | 0.7395% | 3,389 |
| Pretax return on assets | 1.1223% | 2,672 |
| Return on Equity (ROE) | 7.3588% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.3588% | 2,004 |
| Net charge-offs to loans | 0.3302% | 2,736 |
| Credit loss provision to net charge-offs | 98.9796% | 2,757 |
| Earnings coverage of net charge-offs (x) | 4.9388% | 2,363 |
| Efficiency ratio | 60.2627% | 5,950 |
| Assets per employee ($millions) | 5.9598% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 7,094 |
| Loan loss allowance to noncurrent loans | 57.9399% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 4,454 |
| Noncurrent loans to loans | 1.1843% | 4,706 |
| Net loans and leases to total assets | 85.5226% | 153 |
| Net loans and leases to deposits | 104.8203% | 288 |
| Net loans and leases to core deposits | 112.5101% | 642 |
| Total domestic deposits to total assets | 81.5898% | 5,462 |
| Equity capital to assets | 10.2046% | 3,533 |
| Core capital (leverage) ratio | 10.2046% | 2,925 |
| Tier 1 risk-based capital ratio | 16.7421% | 2,571 |
| Total risk-based capital ratio | 17.7115% | 2,655 |
| Memoranda: | ||
| Average total assets | $137,933,500 | 4,096 |
| Average earning assets | $130,830,500 | 4,008 |
| Average equity | $13,861,000 | 4,138 |
| Average total loans | $118,720,000 | 3,281 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8534% | 1,142 |
| Cost of funding earning assets | 2.6336% | 69 |
| Net interest margin | 3.2199% | 6,224 |
| Noninterest income to average assets | 0.1576% | 6,599 |
| Noninterest expense to average assets | 2.0425% | 6,959 |
| Loan and lease loss provision to assets | 0.3860% | 3,800 |
| Net operating income to assets | 0.5221% | 3,993 |
| Return on assets (ROA) | 0.5221% | 4,146 |
| Pretax return on assets | 0.8007% | 3,632 |
| Return on Equity (ROE) | 5.4281% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.4281% | 2,161 |
| Net charge-offs to loans | 0.4117% | 3,981 |
| Credit loss provision to net charge-offs | 108.0160% | 4,100 |
| Earnings coverage of net charge-offs (x) | 3.3206% | 3,419 |
| Efficiency ratio | 63.2513% | 5,470 |
| Assets per employee ($millions) | 6.0344% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 7,165 |
| Loan loss allowance to noncurrent loans | 39.3586% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 1.6853% | 3,772 |
| Noncurrent loans to loans | 1.7236% | 3,917 |
| Net loans and leases to total assets | 85.4443% | 211 |
| Net loans and leases to deposits | 106.0326% | 323 |
| Net loans and leases to core deposits | 116.8560% | 612 |
| Total domestic deposits to total assets | 80.5830% | 5,664 |
| Equity capital to assets | 9.8955% | 3,883 |
| Core capital (leverage) ratio | 9.8955% | 3,215 |
| Tier 1 risk-based capital ratio | 16.4613% | 2,538 |
| Total risk-based capital ratio | 17.4322% | 2,621 |
| Memoranda: | ||
| Average total assets | $139,633,000 | 4,061 |
| Average earning assets | $133,204,200 | 3,953 |
| Average equity | $13,430,000 | 4,276 |
| Average total loans | $121,202,000 | 3,295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9085% | 1,117 |
| Cost of funding earning assets | 2.7358% | 61 |
| Net interest margin | 3.1727% | 6,424 |
| Noninterest income to average assets | 0.1583% | 6,733 |
| Noninterest expense to average assets | 1.9869% | 7,073 |
| Loan and lease loss provision to assets | 0.2193% | 4,870 |
| Net operating income to assets | 0.6397% | 3,700 |
| Return on assets (ROA) | 0.6397% | 3,870 |
| Pretax return on assets | 0.9773% | 3,264 |
| Return on Equity (ROE) | 6.6994% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.6994% | 1,987 |
| Net charge-offs to loans | 0.4702% | 3,395 |
| Credit loss provision to net charge-offs | 53.6131% | 5,834 |
| Earnings coverage of net charge-offs (x) | 2.9254% | 3,673 |
| Efficiency ratio | 62.4139% | 5,537 |
| Assets per employee ($millions) | 6.2242% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4696% | 7,482 |
| Loan loss allowance to noncurrent loans | 51.0753% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 5,114 |
| Noncurrent loans to loans | 0.9194% | 5,401 |
| Net loans and leases to total assets | 88.2299% | 103 |
| Net loans and leases to deposits | 109.9288% | 255 |
| Net loans and leases to core deposits | 118.7698% | 659 |
| Total domestic deposits to total assets | 80.2610% | 5,620 |
| Equity capital to assets | 9.9867% | 4,171 |
| Core capital (leverage) ratio | 9.9867% | 3,268 |
| Tier 1 risk-based capital ratio | 16.3184% | 2,625 |
| Total risk-based capital ratio | 16.9986% | 2,840 |
| Memoranda: | ||
| Average total assets | $139,843,500 | 4,110 |
| Average earning assets | $133,341,500 | 4,001 |
| Average equity | $13,354,000 | 4,359 |
| Average total loans | $121,652,750 | 3,334 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9060% | 1,169 |
| Cost of funding earning assets | 2.8002% | 62 |
| Net interest margin | 3.1058% | 6,597 |
| Noninterest income to average assets | 0.1420% | 6,873 |
| Noninterest expense to average assets | 1.8947% | 7,275 |
| Loan and lease loss provision to assets | 0.1662% | 5,223 |
| Net operating income to assets | 0.6789% | 3,489 |
| Return on assets (ROA) | 0.6789% | 3,635 |
| Pretax return on assets | 1.0397% | 2,980 |
| Return on Equity (ROE) | 7.2167% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.2167% | 1,750 |
| Net charge-offs to loans | 0.5208% | 2,970 |
| Credit loss provision to net charge-offs | 36.9085% | 5,651 |
| Earnings coverage of net charge-offs (x) | 2.6782% | 3,655 |
| Efficiency ratio | 61.1086% | 5,831 |
| Assets per employee ($millions) | 7.0870% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4684% | 7,543 |
| Loan loss allowance to noncurrent loans | 56.1820% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 5,226 |
| Noncurrent loans to loans | 0.8337% | 5,617 |
| Net loans and leases to total assets | 85.1600% | 282 |
| Net loans and leases to deposits | 108.9572% | 300 |
| Net loans and leases to core deposits | 117.5820% | 781 |
| Total domestic deposits to total assets | 78.1592% | 6,234 |
| Equity capital to assets | 9.5118% | 4,686 |
| Core capital (leverage) ratio | 9.5118% | 3,805 |
| Tier 1 risk-based capital ratio | 15.9456% | 2,698 |
| Total risk-based capital ratio | 16.6174% | 2,935 |
| Memoranda: | ||
| Average total assets | $140,814,000 | 4,121 |
| Average earning assets | $134,134,330 | 4,018 |
| Average equity | $13,247,000 | 4,382 |
| Average total loans | $121,742,000 | 3,372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0005% | 981 |
| Cost of funding earning assets | 2.8430% | 71 |
| Net interest margin | 3.1575% | 6,426 |
| Noninterest income to average assets | 0.1254% | 7,054 |
| Noninterest expense to average assets | 1.8354% | 7,428 |
| Loan and lease loss provision to assets | 0.1995% | 4,512 |
| Net operating income to assets | 0.7096% | 3,393 |
| Return on assets (ROA) | 0.7096% | 3,502 |
| Pretax return on assets | 1.0944% | 2,750 |
| Return on Equity (ROE) | 7.5860% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.5860% | 1,883 |
| Net charge-offs to loans | 0.8854% | 1,792 |
| Credit loss provision to net charge-offs | 25.9259% | 4,876 |
| Earnings coverage of net charge-offs (x) | 1.6815% | 3,727 |
| Efficiency ratio | 58.6521% | 6,386 |
| Assets per employee ($millions) | 7.1166% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4701% | 7,616 |
| Loan loss allowance to noncurrent loans | 48.2612% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 4,746 |
| Noncurrent loans to loans | 0.9741% | 5,381 |
| Net loans and leases to total assets | 84.6345% | 319 |
| Net loans and leases to deposits | 108.8814% | 318 |
| Net loans and leases to core deposits | 117.4643% | 890 |
| Total domestic deposits to total assets | 77.7309% | 6,385 |
| Equity capital to assets | 9.3120% | 4,813 |
| Core capital (leverage) ratio | 9.3120% | 4,034 |
| Tier 1 risk-based capital ratio | 15.6029% | 2,827 |
| Total risk-based capital ratio | 16.2727% | 3,066 |
| Memoranda: | ||
| Average total assets | $140,351,500 | 4,188 |
| Average earning assets | $133,522,000 | 4,088 |
| Average equity | $13,129,500 | 4,446 |
| Average total loans | $121,976,500 | 3,431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3772% | 874 |
| Cost of funding earning assets | 3.2123% | 122 |
| Net interest margin | 3.1649% | 6,190 |
| Noninterest income to average assets | 0.1758% | 6,823 |
| Noninterest expense to average assets | 2.0896% | 7,205 |
| Loan and lease loss provision to assets | 0.3063% | 4,986 |
| Net operating income to assets | 0.5303% | 3,606 |
| Return on assets (ROA) | 0.5288% | 3,704 |
| Pretax return on assets | 0.7974% | 3,248 |
| Return on Equity (ROE) | 5.5035% | 3,423 |
| Retained earnings to average equity (ytd only) | 5.5035% | 1,575 |
| Net charge-offs to loans | 0.5704% | 3,509 |
| Credit loss provision to net charge-offs | 59.2701% | 6,651 |
| Earnings coverage of net charge-offs (x) | 2.1401% | 4,119 |
| Efficiency ratio | 65.3919% | 5,518 |
| Assets per employee ($millions) | 7.2827% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6256% | 7,522 |
| Loan loss allowance to noncurrent loans | 49.7735% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2539% | 4,584 |
| Noncurrent loans to loans | 1.2569% | 4,841 |
| Net loans and leases to total assets | 88.2793% | 163 |
| Net loans and leases to deposits | 116.5827% | 219 |
| Net loans and leases to core deposits | 171.8891% | 222 |
| Total domestic deposits to total assets | 75.7225% | 6,734 |
| Equity capital to assets | 9.3986% | 4,559 |
| Core capital (leverage) ratio | 9.3986% | 3,836 |
| Tier 1 risk-based capital ratio | 15.2519% | 2,824 |
| Total risk-based capital ratio | 16.1538% | 2,946 |
| Memoranda: | ||
| Average total assets | $132,559,000 | 4,288 |
| Average earning assets | $126,482,000 | 4,165 |
| Average equity | $12,737,400 | 4,577 |
| Average total loans | $120,086,400 | 3,481 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4197% | 889 |
| Cost of funding earning assets | 3.2477% | 164 |
| Net interest margin | 3.1721% | 6,112 |
| Noninterest income to average assets | 0.1556% | 7,074 |
| Noninterest expense to average assets | 1.9973% | 7,394 |
| Loan and lease loss provision to assets | 0.0712% | 6,646 |
| Net operating income to assets | 0.7342% | 3,075 |
| Return on assets (ROA) | 0.7322% | 3,155 |
| Pretax return on assets | 1.1136% | 2,523 |
| Return on Equity (ROE) | 7.5765% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.5765% | 1,278 |
| Net charge-offs to loans | 0.6835% | 2,645 |
| Credit loss provision to net charge-offs | 11.4379% | 6,611 |
| Earnings coverage of net charge-offs (x) | 1.9085% | 4,378 |
| Efficiency ratio | 62.7075% | 5,979 |
| Assets per employee ($millions) | 7.1224% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4162% | 7,810 |
| Loan loss allowance to noncurrent loans | 45.3405% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9318% | 5,206 |
| Noncurrent loans to loans | 0.9179% | 5,455 |
| Net loans and leases to total assets | 89.4691% | 138 |
| Net loans and leases to deposits | 120.5170% | 194 |
| Net loans and leases to core deposits | 164.1050% | 331 |
| Total domestic deposits to total assets | 74.2378% | 6,907 |
| Equity capital to assets | 9.6242% | 4,590 |
| Core capital (leverage) ratio | 9.6242% | 3,752 |
| Tier 1 risk-based capital ratio | 15.7094% | 2,736 |
| Total risk-based capital ratio | 16.3197% | 2,948 |
| Memoranda: | ||
| Average total assets | $131,106,000 | 4,354 |
| Average earning assets | $125,215,000 | 4,223 |
| Average equity | $12,670,500 | 4,613 |
| Average total loans | $119,377,500 | 3,526 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4699% | 879 |
| Cost of funding earning assets | 3.2543% | 231 |
| Net interest margin | 3.2156% | 5,859 |
| Noninterest income to average assets | 0.1511% | 7,189 |
| Noninterest expense to average assets | 1.9800% | 7,494 |
| Loan and lease loss provision to assets | 0.0925% | 6,244 |
| Net operating income to assets | 0.7540% | 3,028 |
| Return on assets (ROA) | 0.7510% | 3,144 |
| Pretax return on assets | 1.1457% | 2,481 |
| Return on Equity (ROE) | 7.7593% | 2,866 |
| Retained earnings to average equity (ytd only) | 7.7593% | 1,290 |
| Net charge-offs to loans | 0.7164% | 2,267 |
| Credit loss provision to net charge-offs | 14.1176% | 6,166 |
| Earnings coverage of net charge-offs (x) | 1.8965% | 4,160 |
| Efficiency ratio | 61.4354% | 6,320 |
| Assets per employee ($millions) | 7.3391% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 7,692 |
| Loan loss allowance to noncurrent loans | 52.6194% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 4,765 |
| Noncurrent loans to loans | 1.0827% | 5,035 |
| Net loans and leases to total assets | 90.2387% | 119 |
| Net loans and leases to deposits | 124.9245% | 166 |
| Net loans and leases to core deposits | 173.3481% | 282 |
| Total domestic deposits to total assets | 72.2345% | 7,214 |
| Equity capital to assets | 9.6834% | 4,375 |
| Core capital (leverage) ratio | 9.6834% | 3,653 |
| Tier 1 risk-based capital ratio | 15.7119% | 2,725 |
| Total risk-based capital ratio | 16.5508% | 2,823 |
| Memoranda: | ||
| Average total assets | $129,699,330 | 4,398 |
| Average earning assets | $123,897,000 | 4,275 |
| Average equity | $12,552,670 | 4,663 |
| Average total loans | $118,643,000 | 3,566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5814% | 743 |
| Cost of funding earning assets | 3.2630% | 295 |
| Net interest margin | 3.3184% | 5,437 |
| Noninterest income to average assets | 0.1276% | 7,379 |
| Noninterest expense to average assets | 1.8864% | 7,572 |
| Loan and lease loss provision to assets | 0.1868% | 4,573 |
| Net operating income to assets | 0.8031% | 3,116 |
| Return on assets (ROA) | 0.8031% | 3,273 |
| Pretax return on assets | 1.2265% | 2,525 |
| Return on Equity (ROE) | 8.3005% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.3005% | 1,709 |
| Net charge-offs to loans | 0.8880% | 1,478 |
| Credit loss provision to net charge-offs | 22.9008% | 5,042 |
| Earnings coverage of net charge-offs (x) | 1.7328% | 3,864 |
| Efficiency ratio | 57.1698% | 6,807 |
| Assets per employee ($millions) | 7.2073% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 7,431 |
| Loan loss allowance to noncurrent loans | 144.6771% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 5,628 |
| Noncurrent loans to loans | 0.4872% | 6,212 |
| Net loans and leases to total assets | 90.0248% | 133 |
| Net loans and leases to deposits | 125.5547% | 194 |
| Net loans and leases to core deposits | 170.8270% | 331 |
| Total domestic deposits to total assets | 71.7017% | 7,250 |
| Equity capital to assets | 9.6830% | 4,407 |
| Core capital (leverage) ratio | 9.6830% | 3,778 |
| Tier 1 risk-based capital ratio | 16.0635% | 2,671 |
| Total risk-based capital ratio | 17.1236% | 2,677 |
| Memoranda: | ||
| Average total assets | $128,497,500 | 4,443 |
| Average earning assets | $122,831,000 | 4,309 |
| Average equity | $12,433,000 | 4,722 |
| Average total loans | $118,019,000 | 3,602 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7777% | 1,760 |
| Cost of funding earning assets | 3.7669% | 221 |
| Net interest margin | 3.0108% | 6,883 |
| Noninterest income to average assets | 0.1379% | 7,416 |
| Noninterest expense to average assets | 1.9165% | 7,588 |
| Loan and lease loss provision to assets | 0.4889% | 2,860 |
| Net operating income to assets | 0.4024% | 5,139 |
| Return on assets (ROA) | 0.4024% | 4,955 |
| Pretax return on assets | 0.6148% | 4,647 |
| Return on Equity (ROE) | 4.1281% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.1281% | 2,560 |
| Net charge-offs to loans | 0.1780% | 4,416 |
| Credit loss provision to net charge-offs | 297.5610% | 1,523 |
| Earnings coverage of net charge-offs (x) | 6.7171% | 3,292 |
| Efficiency ratio | 63.4554% | 5,679 |
| Assets per employee ($millions) | 7.4861% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,747 |
| Loan loss allowance to noncurrent loans | 86.2069% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 3,773 |
| Noncurrent loans to loans | 1.0286% | 4,530 |
| Net loans and leases to total assets | 92.2248% | 76 |
| Net loans and leases to deposits | 133.7969% | 165 |
| Net loans and leases to core deposits | 180.5078% | 281 |
| Total domestic deposits to total assets | 68.9289% | 7,391 |
| Equity capital to assets | 9.6682% | 4,464 |
| Core capital (leverage) ratio | 9.6682% | 3,809 |
| Tier 1 risk-based capital ratio | 15.6913% | 2,785 |
| Total risk-based capital ratio | 16.9423% | 2,712 |
| Memoranda: | ||
| Average total assets | $124,757,600 | 4,400 |
| Average earning assets | $119,436,200 | 4,273 |
| Average equity | $12,160,600 | 4,790 |
| Average total loans | $115,140,600 | 3,560 |