Home > Port Richmond Savings > Performance and Condition Ratios
Port Richmond Savings, 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 | 6.0094% | 626 |
| Cost of funding earning assets | 1.3280% | 2,433 |
| Net interest margin | 4.6814% | 484 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 3.3920% | 663 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9976% | 2,229 |
| Return on assets (ROA) | 0.9976% | 2,211 |
| Pretax return on assets | 1.2483% | 2,014 |
| Return on Equity (ROE) | 5.4500% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.4538% | 2,422 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.5915% | 1,605 |
| Assets per employee ($millions) | 10.1460% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 2,894 |
| Loan loss allowance to noncurrent loans | 170.8772% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 998 |
| Noncurrent loans to loans | 0.6378% | 1,237 |
| Net loans and leases to total assets | 87.1200% | 113 |
| Net loans and leases to deposits | 142.9539% | 21 |
| Net loans and leases to core deposits | 151.6712% | 195 |
| Total domestic deposits to total assets | 60.9500% | 4,431 |
| Equity capital to assets | 18.3885% | 327 |
| Core capital (leverage) ratio | 18.3068% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $101,740,200 | 3,814 |
| Average earning assets | $99,244,200 | 3,751 |
| Average equity | $18,610,800 | 2,968 |
| Average total loans | $85,950,600 | 3,349 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 618 |
| Cost of funding earning assets | 1.3040% | 2,136 |
| Net interest margin | 4.5801% | 550 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.8819% | 3,832 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.4293% | 283 |
| Return on assets (ROA) | 2.4293% | 280 |
| Pretax return on assets | 2.6297% | 337 |
| Return on Equity (ROE) | 13.3000% | 1,845 |
| Retained earnings to average equity (ytd only) | 13.2977% | 774 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.1512% | 4,324 |
| Assets per employee ($millions) | 9.9721% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,493 |
| Loan loss allowance to noncurrent loans | 173.3333% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 1,026 |
| Noncurrent loans to loans | 0.6784% | 1,221 |
| Net loans and leases to total assets | 83.2700% | 344 |
| Net loans and leases to deposits | 136.5505% | 29 |
| Net loans and leases to core deposits | 145.6729% | 169 |
| Total domestic deposits to total assets | 60.9800% | 4,453 |
| Equity capital to assets | 19.5515% | 295 |
| Core capital (leverage) ratio | 19.4614% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $101,810,250 | 3,829 |
| Average earning assets | $99,384,000 | 3,767 |
| Average equity | $18,599,250 | 2,959 |
| Average total loans | $85,095,500 | 3,358 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7939% | 559 |
| Cost of funding earning assets | 1.2607% | 1,823 |
| Net interest margin | 4.5332% | 587 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.9238% | 3,768 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.3296% | 296 |
| Return on assets (ROA) | 2.3296% | 290 |
| Pretax return on assets | 2.5286% | 343 |
| Return on Equity (ROE) | 13.0500% | 1,888 |
| Retained earnings to average equity (ytd only) | 13.0492% | 801 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.5183% | 4,318 |
| Assets per employee ($millions) | 10.1719% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 2,871 |
| Loan loss allowance to noncurrent loans | 166.6099% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 937 |
| Noncurrent loans to loans | 0.6701% | 1,114 |
| Net loans and leases to total assets | 85.1600% | 196 |
| Net loans and leases to deposits | 143.0482% | 24 |
| Net loans and leases to core deposits | 153.4945% | 129 |
| Total domestic deposits to total assets | 59.5300% | 4,488 |
| Equity capital to assets | 18.5177% | 328 |
| Core capital (leverage) ratio | 18.4464% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $102,506,667 | 3,837 |
| Average earning assets | $100,105,667 | 3,772 |
| Average equity | $18,300,000 | 3,000 |
| Average total loans | $85,453,000 | 3,358 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6446% | 494 |
| Cost of funding earning assets | 1.1464% | 1,609 |
| Net interest margin | 4.4982% | 587 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.7143% | 4,180 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.5345% | 233 |
| Return on assets (ROA) | 2.5345% | 232 |
| Pretax return on assets | 2.7327% | 277 |
| Return on Equity (ROE) | 14.4600% | 1,671 |
| Retained earnings to average equity (ytd only) | 14.4632% | 869 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.1488% | 4,486 |
| Assets per employee ($millions) | 10.2229% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 2,947 |
| Loan loss allowance to noncurrent loans | 547.7011% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,316 |
| Noncurrent loans to loans | 0.2049% | 2,449 |
| Net loans and leases to total assets | 82.1200% | 364 |
| Net loans and leases to deposits | 130.9704% | 44 |
| Net loans and leases to core deposits | 139.8827% | 184 |
| Total domestic deposits to total assets | 62.7000% | 4,526 |
| Equity capital to assets | 17.8961% | 306 |
| Core capital (leverage) ratio | 17.9667% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,900,500 | 3,882 |
| Average earning assets | $100,485,500 | 3,817 |
| Average equity | $18,032,000 | 3,046 |
| Average total loans | $84,380,500 | 3,411 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 489 |
| Cost of funding earning assets | 0.7996% | 383 |
| Net interest margin | 3.9294% | 893 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.5533% | 1,958 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0509% | 2,372 |
| Return on assets (ROA) | 1.0509% | 2,314 |
| Pretax return on assets | 1.3277% | 1,998 |
| Return on Equity (ROE) | 6.3100% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.3056% | 2,532 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.2874% | 2,458 |
| Assets per employee ($millions) | 10.3572% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,513 |
| Loan loss allowance to noncurrent loans | 465.1429% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 2,362 |
| Noncurrent loans to loans | 0.2087% | 2,450 |
| Net loans and leases to total assets | 80.1800% | 573 |
| Net loans and leases to deposits | 126.9328% | 48 |
| Net loans and leases to core deposits | 135.3181% | 180 |
| Total domestic deposits to total assets | 63.1700% | 4,554 |
| Equity capital to assets | 17.1562% | 326 |
| Core capital (leverage) ratio | 16.9842% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $104,766,600 | 3,888 |
| Average earning assets | $102,306,600 | 3,813 |
| Average equity | $17,460,800 | 3,165 |
| Average total loans | $81,204,400 | 3,398 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 519 |
| Cost of funding earning assets | 0.8005% | 152 |
| Net interest margin | 3.6684% | 1,222 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.6167% | 4,289 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.8667% | 374 |
| Return on assets (ROA) | 1.8667% | 364 |
| Pretax return on assets | 2.0609% | 409 |
| Return on Equity (ROE) | 11.2800% | 2,273 |
| Retained earnings to average equity (ytd only) | 11.2823% | 973 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.3924% | 4,480 |
| Assets per employee ($millions) | 10.6045% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 3,913 |
| Loan loss allowance to noncurrent loans | 429.5455% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 2,460 |
| Noncurrent loans to loans | 0.2051% | 2,575 |
| Net loans and leases to total assets | 80.2000% | 510 |
| Net loans and leases to deposits | 124.1159% | 40 |
| Net loans and leases to core deposits | 131.9826% | 137 |
| Total domestic deposits to total assets | 64.6100% | 4,597 |
| Equity capital to assets | 17.1050% | 317 |
| Core capital (leverage) ratio | 17.0762% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $105,065,250 | 3,904 |
| Average earning assets | $102,603,750 | 3,835 |
| Average equity | $17,383,750 | 3,211 |
| Average total loans | $80,541,500 | 3,419 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 593 |
| Cost of funding earning assets | 0.7607% | 118 |
| Net interest margin | 3.4692% | 1,397 |
| Noninterest income to average assets | 0.1470% | 4,282 |
| Noninterest expense to average assets | 1.4818% | 4,442 |
| Loan and lease loss provision to assets | 0.0535% | 1,623 |
| Net operating income to assets | 1.8045% | 332 |
| Return on assets (ROA) | 1.8045% | 328 |
| Pretax return on assets | 1.9993% | 381 |
| Return on Equity (ROE) | 11.0320% | 1,966 |
| Retained earnings to average equity (ytd only) | 11.0320% | 779 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9233% | 4,572 |
| Assets per employee ($millions) | 10.5723% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 3,901 |
| Loan loss allowance to noncurrent loans | 426.8571% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 2,545 |
| Noncurrent loans to loans | 0.2151% | 2,644 |
| Net loans and leases to total assets | 76.2398% | 705 |
| Net loans and leases to deposits | 117.1640% | 53 |
| Net loans and leases to core deposits | 124.5373% | 151 |
| Total domestic deposits to total assets | 65.0710% | 4,664 |
| Equity capital to assets | 16.6596% | 297 |
| Core capital (leverage) ratio | 16.6646% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,738,667 | 3,948 |
| Average earning assets | $102,270,000 | 3,892 |
| Average equity | $17,132,000 | 3,309 |
| Average total loans | $78,789,000 | 3,469 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 658 |
| Cost of funding earning assets | 0.7635% | 107 |
| Net interest margin | 3.3176% | 1,532 |
| Noninterest income to average assets | 0.1381% | 4,325 |
| Noninterest expense to average assets | 1.4773% | 4,453 |
| Loan and lease loss provision to assets | -0.0153% | 4,435 |
| Net operating income to assets | 1.7152% | 398 |
| Return on assets (ROA) | 1.7152% | 401 |
| Pretax return on assets | 1.9109% | 432 |
| Return on Equity (ROE) | 10.5852% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.5852% | 877 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7998% | 4,557 |
| Assets per employee ($millions) | 10.5048% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 3,971 |
| Loan loss allowance to noncurrent loans | 408.0000% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 2,630 |
| Noncurrent loans to loans | 0.2271% | 2,687 |
| Net loans and leases to total assets | 72.6820% | 776 |
| Net loans and leases to deposits | 111.8319% | 62 |
| Net loans and leases to core deposits | 118.8435% | 154 |
| Total domestic deposits to total assets | 64.9922% | 4,702 |
| Equity capital to assets | 16.2926% | 296 |
| Core capital (leverage) ratio | 16.0760% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,246,500 | 3,971 |
| Average earning assets | $101,640,000 | 3,921 |
| Average equity | $16,891,500 | 3,405 |
| Average total loans | $77,508,500 | 3,500 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 226 |
| Cost of funding earning assets | 0.8399% | 162 |
| Net interest margin | 4.2710% | 432 |
| Noninterest income to average assets | 0.1943% | 4,200 |
| Noninterest expense to average assets | 3.2977% | 633 |
| Loan and lease loss provision to assets | -0.0486% | 4,348 |
| Net operating income to assets | 0.8328% | 3,227 |
| Return on assets (ROA) | 0.8328% | 3,302 |
| Pretax return on assets | 1.1131% | 2,922 |
| Return on Equity (ROE) | 4.9250% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.9250% | 2,811 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5973% | 1,139 |
| Assets per employee ($millions) | 10.3445% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,011 |
| Loan loss allowance to noncurrent loans | 415.0289% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,759 |
| Noncurrent loans to loans | 0.2219% | 2,855 |
| Net loans and leases to total assets | 74.6619% | 612 |
| Net loans and leases to deposits | 117.1810% | 46 |
| Net loans and leases to core deposits | 124.7359% | 130 |
| Total domestic deposits to total assets | 63.7150% | 4,747 |
| Equity capital to assets | 16.1129% | 370 |
| Core capital (leverage) ratio | 16.0211% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,826,400 | 3,999 |
| Average earning assets | $96,440,800 | 3,949 |
| Average equity | $16,710,800 | 3,487 |
| Average total loans | $84,985,400 | 3,402 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2957% | 195 |
| Cost of funding earning assets | 0.8605% | 188 |
| Net interest margin | 4.4352% | 350 |
| Noninterest income to average assets | 0.2007% | 4,200 |
| Noninterest expense to average assets | 1.9302% | 3,868 |
| Loan and lease loss provision to assets | -0.0481% | 4,448 |
| Net operating income to assets | 2.4298% | 235 |
| Return on assets (ROA) | 2.4298% | 242 |
| Pretax return on assets | 2.6455% | 269 |
| Return on Equity (ROE) | 14.1929% | 1,342 |
| Retained earnings to average equity (ytd only) | 14.1929% | 490 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6289% | 4,642 |
| Assets per employee ($millions) | 9.7433% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 4,079 |
| Loan loss allowance to noncurrent loans | 415.3409% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 2,907 |
| Noncurrent loans to loans | 0.2232% | 3,058 |
| Net loans and leases to total assets | 80.1782% | 278 |
| Net loans and leases to deposits | 129.5974% | 25 |
| Net loans and leases to core deposits | 138.8800% | 85 |
| Total domestic deposits to total assets | 61.8671% | 4,827 |
| Equity capital to assets | 18.0894% | 270 |
| Core capital (leverage) ratio | 17.9152% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,671,750 | 4,058 |
| Average earning assets | $95,295,750 | 4,011 |
| Average equity | $16,721,500 | 3,532 |
| Average total loans | $86,743,750 | 3,430 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2347% | 245 |
| Cost of funding earning assets | 0.8770% | 201 |
| Net interest margin | 4.3577% | 447 |
| Noninterest income to average assets | 0.1944% | 4,225 |
| Noninterest expense to average assets | 1.9601% | 3,806 |
| Loan and lease loss provision to assets | -0.0696% | 4,563 |
| Net operating income to assets | 2.3345% | 272 |
| Return on assets (ROA) | 2.3345% | 288 |
| Pretax return on assets | 2.5534% | 327 |
| Return on Equity (ROE) | 13.8974% | 1,444 |
| Retained earnings to average equity (ytd only) | 13.8974% | 562 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1068% | 4,609 |
| Assets per employee ($millions) | 9.7105% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,228 |
| Loan loss allowance to noncurrent loans | 413.5593% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 3,052 |
| Noncurrent loans to loans | 0.2110% | 3,205 |
| Net loans and leases to total assets | 85.6269% | 91 |
| Net loans and leases to deposits | 136.8421% | 26 |
| Net loans and leases to core deposits | 146.5370% | 76 |
| Total domestic deposits to total assets | 62.5735% | 4,853 |
| Equity capital to assets | 17.4934% | 299 |
| Core capital (leverage) ratio | 17.6048% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,751,333 | 4,084 |
| Average earning assets | $95,325,000 | 4,033 |
| Average equity | $16,420,333 | 3,565 |
| Average total loans | $89,374,667 | 3,411 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 233 |
| Cost of funding earning assets | 0.9215% | 202 |
| Net interest margin | 4.3770% | 447 |
| Noninterest income to average assets | 0.1509% | 4,445 |
| Noninterest expense to average assets | 1.9373% | 3,893 |
| Loan and lease loss provision to assets | -0.1346% | 4,760 |
| Net operating income to assets | 2.3819% | 322 |
| Return on assets (ROA) | 2.3819% | 349 |
| Pretax return on assets | 2.6103% | 370 |
| Return on Equity (ROE) | 14.4760% | 1,334 |
| Retained earnings to average equity (ytd only) | 14.4760% | 697 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9002% | 4,584 |
| Assets per employee ($millions) | 9.7724% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,402 |
| Loan loss allowance to noncurrent loans | 531.1594% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 2,790 |
| Noncurrent loans to loans | 0.1515% | 3,568 |
| Net loans and leases to total assets | 92.4860% | 6 |
| Net loans and leases to deposits | 152.8462% | 20 |
| Net loans and leases to core deposits | 168.3888% | 55 |
| Total domestic deposits to total assets | 60.5092% | 4,881 |
| Equity capital to assets | 16.8116% | 328 |
| Core capital (leverage) ratio | 16.6513% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,074,500 | 4,093 |
| Average earning assets | $95,499,000 | 4,029 |
| Average equity | $16,137,000 | 3,593 |
| Average total loans | $92,122,000 | 3,379 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5681% | 168 |
| Cost of funding earning assets | 1.1185% | 372 |
| Net interest margin | 4.4496% | 363 |
| Noninterest income to average assets | 0.2041% | 4,251 |
| Noninterest expense to average assets | 2.9093% | 1,659 |
| Loan and lease loss provision to assets | -0.0247% | 4,917 |
| Net operating income to assets | 1.2537% | 1,374 |
| Return on assets (ROA) | 1.2537% | 1,481 |
| Pretax return on assets | 1.6362% | 987 |
| Return on Equity (ROE) | 7.5325% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.5325% | 1,188 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3536% | 2,762 |
| Assets per employee ($millions) | 9.8425% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,375 |
| Loan loss allowance to noncurrent loans | 289.0566% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 2,955 |
| Noncurrent loans to loans | 0.2845% | 3,181 |
| Net loans and leases to total assets | 93.8420% | 6 |
| Net loans and leases to deposits | 171.9040% | 13 |
| Net loans and leases to core deposits | 190.9610% | 46 |
| Total domestic deposits to total assets | 54.5898% | 4,934 |
| Equity capital to assets | 16.0986% | 416 |
| Core capital (leverage) ratio | 15.6738% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,081,000 | 4,078 |
| Average earning assets | $90,300,600 | 4,023 |
| Average equity | $15,492,800 | 3,611 |
| Average total loans | $88,278,200 | 3,428 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9955% | 610 |
| Cost of funding earning assets | 1.1676% | 416 |
| Net interest margin | 3.8279% | 1,548 |
| Noninterest income to average assets | 0.2107% | 4,217 |
| Noninterest expense to average assets | 1.9110% | 4,311 |
| Loan and lease loss provision to assets | -0.0872% | 4,996 |
| Net operating income to assets | 1.8674% | 393 |
| Return on assets (ROA) | 1.8674% | 438 |
| Pretax return on assets | 2.0985% | 418 |
| Return on Equity (ROE) | 11.1218% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.1218% | 550 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7217% | 4,568 |
| Assets per employee ($millions) | 9.1951% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 4,456 |
| Loan loss allowance to noncurrent loans | 282.5581% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 3,154 |
| Noncurrent loans to loans | 0.2692% | 3,333 |
| Net loans and leases to total assets | 94.0443% | 5 |
| Net loans and leases to deposits | 182.6740% | 12 |
| Net loans and leases to core deposits | 203.6917% | 38 |
| Total domestic deposits to total assets | 51.4820% | 4,973 |
| Equity capital to assets | 15.7821% | 496 |
| Core capital (leverage) ratio | 15.9416% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,745,000 | 4,104 |
| Average earning assets | $88,958,000 | 4,038 |
| Average equity | $15,404,750 | 3,618 |
| Average total loans | $87,065,250 | 3,468 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 485 |
| Cost of funding earning assets | 1.2177% | 476 |
| Net interest margin | 4.0769% | 1,166 |
| Noninterest income to average assets | 0.2054% | 4,248 |
| Noninterest expense to average assets | 1.8305% | 4,516 |
| Loan and lease loss provision to assets | -0.1896% | 5,039 |
| Net operating income to assets | 2.2864% | 198 |
| Return on assets (ROA) | 2.2864% | 213 |
| Pretax return on assets | 2.5166% | 210 |
| Return on Equity (ROE) | 13.3126% | 1,032 |
| Retained earnings to average equity (ytd only) | 13.3126% | 326 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0282% | 4,807 |
| Assets per employee ($millions) | 9.9453% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 4,453 |
| Loan loss allowance to noncurrent loans | 178.0303% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 2,700 |
| Noncurrent loans to loans | 0.4234% | 2,891 |
| Net loans and leases to total assets | 93.3325% | 6 |
| Net loans and leases to deposits | 181.0596% | 12 |
| Net loans and leases to core deposits | 202.1033% | 41 |
| Total domestic deposits to total assets | 51.5480% | 5,003 |
| Equity capital to assets | 15.7773% | 496 |
| Core capital (leverage) ratio | 16.7135% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,611,333 | 4,149 |
| Average earning assets | $85,898,333 | 4,082 |
| Average equity | $15,218,667 | 3,638 |
| Average total loans | $84,136,667 | 3,514 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 440 |
| Cost of funding earning assets | 1.2769% | 602 |
| Net interest margin | 4.1473% | 1,031 |
| Noninterest income to average assets | 0.3077% | 3,670 |
| Noninterest expense to average assets | 1.9810% | 4,435 |
| Loan and lease loss provision to assets | -0.8174% | 5,104 |
| Net operating income to assets | 2.9282% | 71 |
| Return on assets (ROA) | 2.9282% | 74 |
| Pretax return on assets | 3.1734% | 72 |
| Return on Equity (ROE) | 16.2590% | 396 |
| Retained earnings to average equity (ytd only) | 16.2590% | 137 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6763% | 4,841 |
| Assets per employee ($millions) | 8.4674% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 4,477 |
| Loan loss allowance to noncurrent loans | 151.7157% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 2,559 |
| Noncurrent loans to loans | 0.5055% | 2,754 |
| Net loans and leases to total assets | 94.5851% | 5 |
| Net loans and leases to deposits | 171.7874% | 5 |
| Net loans and leases to core deposits | 193.9013% | 43 |
| Total domestic deposits to total assets | 55.0594% | 5,054 |
| Equity capital to assets | 18.0539% | 351 |
| Core capital (leverage) ratio | 18.8199% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,190,500 | 4,222 |
| Average earning assets | $80,823,000 | 4,156 |
| Average equity | $14,982,500 | 3,662 |
| Average total loans | $79,441,500 | 3,590 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8145% | 315 |
| Cost of funding earning assets | 1.2662% | 847 |
| Net interest margin | 4.5483% | 652 |
| Noninterest income to average assets | 0.1717% | 4,632 |
| Noninterest expense to average assets | 3.3139% | 1,269 |
| Loan and lease loss provision to assets | -0.1348% | 5,095 |
| Net operating income to assets | 1.1712% | 2,174 |
| Return on assets (ROA) | 1.1712% | 2,272 |
| Pretax return on assets | 1.4051% | 2,136 |
| Return on Equity (ROE) | 6.3926% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.3926% | 1,673 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2885% | 1,830 |
| Assets per employee ($millions) | 9.0786% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,439 |
| Loan loss allowance to noncurrent loans | 186.5248% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 2,348 |
| Noncurrent loans to loans | 0.5411% | 2,554 |
| Net loans and leases to total assets | 94.7116% | 6 |
| Net loans and leases to deposits | 170.1951% | 5 |
| Net loans and leases to core deposits | 192.3303% | 47 |
| Total domestic deposits to total assets | 55.6488% | 5,110 |
| Equity capital to assets | 17.9642% | 369 |
| Core capital (leverage) ratio | 18.2999% | 317 |
| Tier 1 risk-based capital ratio | 29.7276% | 484 |
| Total risk-based capital ratio | 30.9813% | 476 |
| Memoranda: | ||
| Average total assets | $78,639,600 | 4,312 |
| Average earning assets | $76,292,600 | 4,246 |
| Average equity | $14,407,200 | 3,697 |
| Average total loans | $74,187,600 | 3,699 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8283% | 336 |
| Cost of funding earning assets | 1.2783% | 842 |
| Net interest margin | 4.5500% | 687 |
| Noninterest income to average assets | 0.1507% | 4,795 |
| Noninterest expense to average assets | 2.5785% | 3,222 |
| Loan and lease loss provision to assets | -0.0736% | 5,142 |
| Net operating income to assets | 1.7960% | 621 |
| Return on assets (ROA) | 1.7960% | 653 |
| Pretax return on assets | 2.0580% | 607 |
| Return on Equity (ROE) | 9.7537% | 2,534 |
| Retained earnings to average equity (ytd only) | 9.7537% | 813 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5103% | 4,112 |
| Assets per employee ($millions) | 8.9371% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,888 |
| Loan loss allowance to noncurrent loans | 374.1228% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 3,418 |
| Noncurrent loans to loans | 0.3013% | 3,459 |
| Net loans and leases to total assets | 93.0278% | 10 |
| Net loans and leases to deposits | 169.2207% | 8 |
| Net loans and leases to core deposits | 192.0142% | 48 |
| Total domestic deposits to total assets | 54.9743% | 5,187 |
| Equity capital to assets | 18.4076% | 360 |
| Core capital (leverage) ratio | 18.8611% | 297 |
| Tier 1 risk-based capital ratio | 31.5787% | 434 |
| Total risk-based capital ratio | 32.8392% | 428 |
| Memoranda: | ||
| Average total assets | $77,872,750 | 4,377 |
| Average earning assets | $75,514,250 | 4,314 |
| Average equity | $14,339,500 | 3,738 |
| Average total loans | $73,190,750 | 3,756 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8387% | 314 |
| Cost of funding earning assets | 1.2680% | 822 |
| Net interest margin | 4.5707% | 656 |
| Noninterest income to average assets | 0.1298% | 4,930 |
| Noninterest expense to average assets | 2.3241% | 3,943 |
| Loan and lease loss provision to assets | -0.2000% | 5,252 |
| Net operating income to assets | 2.1683% | 286 |
| Return on assets (ROA) | 2.1683% | 299 |
| Pretax return on assets | 2.4332% | 272 |
| Return on Equity (ROE) | 11.7738% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.7738% | 434 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9972% | 4,725 |
| Assets per employee ($millions) | 7.8396% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,094 |
| Loan loss allowance to noncurrent loans | 426.5625% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 3,593 |
| Noncurrent loans to loans | 0.2571% | 3,612 |
| Net loans and leases to total assets | 94.2127% | 5 |
| Net loans and leases to deposits | 175.3787% | 10 |
| Net loans and leases to core deposits | 200.2793% | 44 |
| Total domestic deposits to total assets | 53.7196% | 5,240 |
| Equity capital to assets | 18.6132% | 321 |
| Core capital (leverage) ratio | 18.9551% | 281 |
| Tier 1 risk-based capital ratio | 30.9618% | 454 |
| Total risk-based capital ratio | 32.2180% | 447 |
| Memoranda: | ||
| Average total assets | $77,019,000 | 4,421 |
| Average earning assets | $74,605,670 | 4,357 |
| Average equity | $14,184,000 | 3,763 |
| Average total loans | $72,361,330 | 3,792 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7310% | 346 |
| Cost of funding earning assets | 1.2501% | 769 |
| Net interest margin | 4.4809% | 769 |
| Noninterest income to average assets | 0.1520% | 4,831 |
| Noninterest expense to average assets | 2.2743% | 4,089 |
| Loan and lease loss provision to assets | -0.3878% | 5,332 |
| Net operating income to assets | 2.3372% | 213 |
| Return on assets (ROA) | 2.3372% | 224 |
| Pretax return on assets | 2.6045% | 209 |
| Return on Equity (ROE) | 12.7611% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.7611% | 496 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6418% | 4,782 |
| Assets per employee ($millions) | 7.6744% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,796 |
| Loan loss allowance to noncurrent loans | 247.5904% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 2,858 |
| Noncurrent loans to loans | 0.4682% | 2,908 |
| Net loans and leases to total assets | 91.3205% | 27 |
| Net loans and leases to deposits | 165.4931% | 8 |
| Net loans and leases to core deposits | 188.0615% | 47 |
| Total domestic deposits to total assets | 55.1809% | 5,298 |
| Equity capital to assets | 18.5070% | 310 |
| Core capital (leverage) ratio | 18.6484% | 295 |
| Tier 1 risk-based capital ratio | 31.8175% | 416 |
| Total risk-based capital ratio | 33.0742% | 412 |
| Memoranda: | ||
| Average total assets | $76,330,500 | 4,482 |
| Average earning assets | $73,913,500 | 4,420 |
| Average equity | $13,980,000 | 3,803 |
| Average total loans | $71,203,000 | 3,849 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8834% | 203 |
| Cost of funding earning assets | 1.0673% | 558 |
| Net interest margin | 4.8161% | 386 |
| Noninterest income to average assets | 0.4333% | 3,218 |
| Noninterest expense to average assets | 3.4522% | 1,065 |
| Loan and lease loss provision to assets | 0.0741% | 2,650 |
| Net operating income to assets | 1.2439% | 1,996 |
| Return on assets (ROA) | 1.2439% | 1,993 |
| Pretax return on assets | 1.5612% | 1,586 |
| Return on Equity (ROE) | 6.5679% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.5679% | 1,886 |
| Net charge-offs to loans | 0.0565% | 2,335 |
| Credit loss provision to net charge-offs | 139.4737% | 1,935 |
| Earnings coverage of net charge-offs (x) | 30.7895% | 1,568 |
| Efficiency ratio | 67.8571% | 2,569 |
| Assets per employee ($millions) | 8.4352% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,281 |
| Loan loss allowance to noncurrent loans | 260.4651% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 2,750 |
| Noncurrent loans to loans | 0.4811% | 2,833 |
| Net loans and leases to total assets | 93.0029% | 16 |
| Net loans and leases to deposits | 168.1232% | 11 |
| Net loans and leases to core deposits | 191.2171% | 43 |
| Total domestic deposits to total assets | 55.3183% | 5,346 |
| Equity capital to assets | 18.1211% | 333 |
| Core capital (leverage) ratio | 18.4455% | 297 |
| Tier 1 risk-based capital ratio | 30.6905% | 442 |
| Total risk-based capital ratio | 31.9532% | 433 |
| Memoranda: | ||
| Average total assets | $71,549,200 | 4,558 |
| Average earning assets | $69,143,800 | 4,512 |
| Average equity | $13,550,800 | 3,808 |
| Average total loans | $67,209,800 | 3,931 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 197 |
| Cost of funding earning assets | 1.0087% | 575 |
| Net interest margin | 4.8341% | 354 |
| Noninterest income to average assets | 0.4277% | 3,301 |
| Noninterest expense to average assets | 2.5225% | 3,523 |
| Loan and lease loss provision to assets | 0.0700% | 2,566 |
| Net operating income to assets | 2.2670% | 241 |
| Return on assets (ROA) | 2.2670% | 241 |
| Pretax return on assets | 2.5055% | 233 |
| Return on Equity (ROE) | 11.8324% | 1,857 |
| Retained earnings to average equity (ytd only) | 11.8324% | 504 |
| Net charge-offs to loans | 0.0766% | 1,757 |
| Credit loss provision to net charge-offs | 97.3684% | 2,333 |
| Earnings coverage of net charge-offs (x) | 35.8125% | 1,442 |
| Efficiency ratio | 49.4803% | 4,972 |
| Assets per employee ($millions) | 8.1464% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,267 |
| Loan loss allowance to noncurrent loans | 152.7778% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 1,892 |
| Noncurrent loans to loans | 0.8300% | 2,048 |
| Net loans and leases to total assets | 93.4532% | 12 |
| Net loans and leases to deposits | 172.2943% | 9 |
| Net loans and leases to core deposits | 194.8693% | 41 |
| Total domestic deposits to total assets | 54.2404% | 5,419 |
| Equity capital to assets | 19.1836% | 260 |
| Core capital (leverage) ratio | 20.6595% | 208 |
| Tier 1 risk-based capital ratio | 32.2903% | 389 |
| Total risk-based capital ratio | 33.5484% | 383 |
| Memoranda: | ||
| Average total assets | $70,457,250 | 4,622 |
| Average earning assets | $68,070,500 | 4,570 |
| Average equity | $13,499,250 | 3,846 |
| Average total loans | $66,137,000 | 3,992 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0434% | 134 |
| Cost of funding earning assets | 0.9720% | 533 |
| Net interest margin | 5.0715% | 218 |
| Noninterest income to average assets | 0.4662% | 3,056 |
| Noninterest expense to average assets | 2.3394% | 4,045 |
| Loan and lease loss provision to assets | 0.3165% | 434 |
| Net operating income to assets | 2.4632% | 158 |
| Return on assets (ROA) | 2.4632% | 157 |
| Pretax return on assets | 2.7049% | 154 |
| Return on Equity (ROE) | 12.8619% | 1,416 |
| Retained earnings to average equity (ytd only) | 12.8619% | 399 |
| Net charge-offs to loans | 0.1168% | 1,229 |
| Credit loss provision to net charge-offs | 289.4737% | 1,027 |
| Earnings coverage of net charge-offs (x) | 27.6316% | 1,574 |
| Efficiency ratio | 43.6393% | 5,294 |
| Assets per employee ($millions) | 6.9272% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,506 |
| Loan loss allowance to noncurrent loans | 222.1445% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 1,415 |
| Noncurrent loans to loans | 0.6589% | 2,463 |
| Net loans and leases to total assets | 92.6204% | 20 |
| Net loans and leases to deposits | 160.9028% | 6 |
| Net loans and leases to core deposits | 181.3505% | 45 |
| Total domestic deposits to total assets | 57.5629% | 5,468 |
| Equity capital to assets | 19.8103% | 236 |
| Core capital (leverage) ratio | 19.8783% | 232 |
| Tier 1 risk-based capital ratio | 32.8035% | 382 |
| Total risk-based capital ratio | 34.0656% | 376 |
| Memoranda: | ||
| Average total assets | $69,503,670 | 4,688 |
| Average earning assets | $67,081,000 | 4,642 |
| Average equity | $13,310,670 | 3,896 |
| Average total loans | $65,050,000 | 4,042 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0450% | 128 |
| Cost of funding earning assets | 0.9163% | 549 |
| Net interest margin | 5.1287% | 181 |
| Noninterest income to average assets | 0.6607% | 1,994 |
| Noninterest expense to average assets | 2.4016% | 3,938 |
| Loan and lease loss provision to assets | 0.2471% | 605 |
| Net operating income to assets | 2.7234% | 104 |
| Return on assets (ROA) | 2.7234% | 107 |
| Pretax return on assets | 2.9647% | 118 |
| Return on Equity (ROE) | 14.4683% | 911 |
| Retained earnings to average equity (ytd only) | 14.4683% | 366 |
| Net charge-offs to loans | 0.1230% | 1,051 |
| Credit loss provision to net charge-offs | 215.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 27.9500% | 1,290 |
| Efficiency ratio | 42.7840% | 5,380 |
| Assets per employee ($millions) | 6.9080% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 1,909 |
| Loan loss allowance to noncurrent loans | 109.9757% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.6242% | 829 |
| Noncurrent loans to loans | 1.2565% | 1,436 |
| Net loans and leases to total assets | 93.3946% | 7 |
| Net loans and leases to deposits | 162.7409% | 9 |
| Net loans and leases to core deposits | 183.4589% | 45 |
| Total domestic deposits to total assets | 57.3885% | 5,534 |
| Equity capital to assets | 19.3124% | 243 |
| Core capital (leverage) ratio | 19.6874% | 225 |
| Tier 1 risk-based capital ratio | 31.0342% | 437 |
| Total risk-based capital ratio | 32.2951% | 430 |
| Memoranda: | ||
| Average total assets | $69,619,500 | 4,742 |
| Average earning assets | $67,229,500 | 4,691 |
| Average equity | $13,104,500 | 3,949 |
| Average total loans | $65,018,500 | 4,075 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6785% | 203 |
| Cost of funding earning assets | 0.9929% | 224 |
| Net interest margin | 4.6857% | 434 |
| Noninterest income to average assets | 0.1338% | 5,276 |
| Noninterest expense to average assets | 3.0985% | 1,865 |
| Loan and lease loss provision to assets | 0.1661% | 1,327 |
| Net operating income to assets | 1.0642% | 1,999 |
| Return on assets (ROA) | 1.0642% | 2,020 |
| Pretax return on assets | 1.3920% | 2,022 |
| Return on Equity (ROE) | 5.6886% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.6886% | 1,712 |
| Net charge-offs to loans | 0.3398% | 751 |
| Credit loss provision to net charge-offs | 54.5894% | 3,277 |
| Earnings coverage of net charge-offs (x) | 5.1208% | 3,372 |
| Efficiency ratio | 66.5404% | 3,161 |
| Assets per employee ($millions) | 7.0159% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 1,922 |
| Loan loss allowance to noncurrent loans | 86.6142% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.9598% | 581 |
| Noncurrent loans to loans | 1.5724% | 1,070 |
| Net loans and leases to total assets | 90.8451% | 53 |
| Net loans and leases to deposits | 147.1691% | 16 |
| Net loans and leases to core deposits | 164.1073% | 75 |
| Total domestic deposits to total assets | 61.7284% | 5,570 |
| Equity capital to assets | 18.3412% | 291 |
| Core capital (leverage) ratio | 19.1468% | 229 |
| Tier 1 risk-based capital ratio | 30.0044% | 462 |
| Total risk-based capital ratio | 31.2636% | 459 |
| Memoranda: | ||
| Average total assets | $68,033,200 | 4,812 |
| Average earning assets | $65,668,400 | 4,751 |
| Average equity | $12,727,200 | 4,025 |
| Average total loans | $60,920,200 | 4,183 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 191 |
| Cost of funding earning assets | 1.0704% | 133 |
| Net interest margin | 4.6274% | 466 |
| Noninterest income to average assets | 0.2113% | 4,952 |
| Noninterest expense to average assets | 2.1016% | 4,730 |
| Loan and lease loss provision to assets | 0.1936% | 992 |
| Net operating income to assets | 2.0404% | 297 |
| Return on assets (ROA) | 2.0404% | 304 |
| Pretax return on assets | 2.3821% | 262 |
| Return on Equity (ROE) | 10.8517% | 1,756 |
| Retained earnings to average equity (ytd only) | 10.8517% | 433 |
| Net charge-offs to loans | 0.4600% | 452 |
| Credit loss provision to net charge-offs | 47.3430% | 2,941 |
| Earnings coverage of net charge-offs (x) | 6.2996% | 3,000 |
| Efficiency ratio | 44.9324% | 5,456 |
| Assets per employee ($millions) | 6.4864% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,879 |
| Loan loss allowance to noncurrent loans | 83.8991% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.2509% | 528 |
| Noncurrent loans to loans | 1.6710% | 1,093 |
| Net loans and leases to total assets | 93.7901% | 11 |
| Net loans and leases to deposits | 153.3668% | 10 |
| Net loans and leases to core deposits | 172.9819% | 60 |
| Total domestic deposits to total assets | 61.1541% | 5,647 |
| Equity capital to assets | 20.3133% | 217 |
| Core capital (leverage) ratio | 20.2306% | 202 |
| Tier 1 risk-based capital ratio | 33.0093% | 381 |
| Total risk-based capital ratio | 34.2695% | 372 |
| Memoranda: | ||
| Average total assets | $67,501,750 | 4,872 |
| Average earning assets | $65,146,500 | 4,810 |
| Average equity | $12,692,000 | 4,071 |
| Average total loans | $59,996,250 | 4,240 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5927% | 214 |
| Cost of funding earning assets | 1.1846% | 64 |
| Net interest margin | 4.4081% | 689 |
| Noninterest income to average assets | 0.2223% | 4,917 |
| Noninterest expense to average assets | 1.7461% | 5,371 |
| Loan and lease loss provision to assets | 0.2486% | 671 |
| Net operating income to assets | 2.1702% | 225 |
| Return on assets (ROA) | 2.1702% | 227 |
| Pretax return on assets | 2.4831% | 219 |
| Return on Equity (ROE) | 11.8429% | 1,347 |
| Retained earnings to average equity (ytd only) | 11.8429% | 335 |
| Net charge-offs to loans | 0.6966% | 277 |
| Credit loss provision to net charge-offs | 41.0628% | 2,640 |
| Earnings coverage of net charge-offs (x) | 4.5121% | 2,918 |
| Efficiency ratio | 38.9941% | 5,648 |
| Assets per employee ($millions) | 6.6114% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,903 |
| Loan loss allowance to noncurrent loans | 68.7097% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.5108% | 432 |
| Noncurrent loans to loans | 2.0545% | 816 |
| Net loans and leases to total assets | 90.0021% | 77 |
| Net loans and leases to deposits | 144.3186% | 18 |
| Net loans and leases to core deposits | 161.9421% | 86 |
| Total domestic deposits to total assets | 62.3635% | 5,680 |
| Equity capital to assets | 19.4891% | 242 |
| Core capital (leverage) ratio | 18.4048% | 280 |
| Tier 1 risk-based capital ratio | 33.4971% | 346 |
| Total risk-based capital ratio | 34.7580% | 345 |
| Memoranda: | ||
| Average total assets | $68,381,000 | 4,889 |
| Average earning assets | $66,014,330 | 4,829 |
| Average equity | $12,530,670 | 4,105 |
| Average total loans | $59,428,000 | 4,279 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 295 |
| Cost of funding earning assets | 1.0200% | 151 |
| Net interest margin | 4.3365% | 719 |
| Noninterest income to average assets | 0.2072% | 5,033 |
| Noninterest expense to average assets | 1.6745% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4225% | 157 |
| Return on assets (ROA) | 2.4225% | 161 |
| Pretax return on assets | 2.7160% | 164 |
| Return on Equity (ROE) | 13.6318% | 876 |
| Retained earnings to average equity (ytd only) | 13.6318% | 323 |
| Net charge-offs to loans | 1.4042% | 119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.2802% | 2,615 |
| Efficiency ratio | 38.1389% | 5,723 |
| Assets per employee ($millions) | 6.3495% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,475 |
| Loan loss allowance to noncurrent loans | 56.8148% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.6559% | 409 |
| Noncurrent loans to loans | 2.3104% | 710 |
| Net loans and leases to total assets | 82.5600% | 505 |
| Net loans and leases to deposits | 140.8156% | 17 |
| Net loans and leases to core deposits | 158.0225% | 82 |
| Total domestic deposits to total assets | 58.6298% | 5,778 |
| Equity capital to assets | 17.9884% | 303 |
| Core capital (leverage) ratio | 18.0829% | 281 |
| Tier 1 risk-based capital ratio | 32.7700% | 388 |
| Total risk-based capital ratio | 34.0271% | 376 |
| Memoranda: | ||
| Average total assets | $69,514,500 | 4,924 |
| Average earning assets | $67,058,500 | 4,855 |
| Average equity | $12,353,500 | 4,155 |
| Average total loans | $58,964,000 | 4,326 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6139% | 215 |
| Cost of funding earning assets | 1.1182% | 89 |
| Net interest margin | 4.4957% | 631 |
| Noninterest income to average assets | -0.0029% | 5,863 |
| Noninterest expense to average assets | 2.9713% | 2,436 |
| Loan and lease loss provision to assets | 0.2982% | 635 |
| Net operating income to assets | 0.7182% | 3,700 |
| Return on assets (ROA) | 0.7182% | 3,812 |
| Pretax return on assets | 1.0325% | 3,353 |
| Return on Equity (ROE) | 4.0492% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.0492% | 3,037 |
| Net charge-offs to loans | 0.2931% | 948 |
| Credit loss provision to net charge-offs | 117.3410% | 2,256 |
| Earnings coverage of net charge-offs (x) | 5.2370% | 3,366 |
| Efficiency ratio | 69.0679% | 3,062 |
| Assets per employee ($millions) | 6.2895% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,288 |
| Loan loss allowance to noncurrent loans | 51.2902% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 3.5789% | 240 |
| Noncurrent loans to loans | 3.1918% | 402 |
| Net loans and leases to total assets | 84.5904% | 332 |
| Net loans and leases to deposits | 144.3800% | 14 |
| Net loans and leases to core deposits | 161.7283% | 80 |
| Total domestic deposits to total assets | 58.5887% | 5,837 |
| Equity capital to assets | 17.5517% | 332 |
| Core capital (leverage) ratio | 17.7844% | 297 |
| Tier 1 risk-based capital ratio | 30.9265% | 443 |
| Total risk-based capital ratio | 32.1949% | 439 |
| Memoranda: | ||
| Average total assets | $68,085,200 | 4,973 |
| Average earning assets | $65,195,000 | 4,912 |
| Average equity | $12,076,400 | 4,240 |
| Average total loans | $59,017,400 | 4,332 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5562% | 233 |
| Cost of funding earning assets | 1.1421% | 71 |
| Net interest margin | 4.4141% | 755 |
| Noninterest income to average assets | -0.0904% | 5,957 |
| Noninterest expense to average assets | 2.1786% | 4,819 |
| Loan and lease loss provision to assets | 0.0963% | 2,302 |
| Net operating income to assets | 1.5494% | 797 |
| Return on assets (ROA) | 1.5494% | 838 |
| Pretax return on assets | 1.8522% | 800 |
| Return on Equity (ROE) | 8.7120% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.7120% | 906 |
| Net charge-offs to loans | 0.0475% | 2,691 |
| Credit loss provision to net charge-offs | 233.3333% | 1,259 |
| Earnings coverage of net charge-offs (x) | 47.1893% | 1,123 |
| Efficiency ratio | 52.7870% | 5,329 |
| Assets per employee ($millions) | 6.2217% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,367 |
| Loan loss allowance to noncurrent loans | 59.5588% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 3.6558% | 254 |
| Noncurrent loans to loans | 2.7456% | 595 |
| Net loans and leases to total assets | 85.4308% | 295 |
| Net loans and leases to deposits | 146.6062% | 14 |
| Net loans and leases to core deposits | 164.5642% | 76 |
| Total domestic deposits to total assets | 58.2723% | 5,901 |
| Equity capital to assets | 18.1812% | 329 |
| Core capital (leverage) ratio | 18.3276% | 275 |
| Tier 1 risk-based capital ratio | 31.1886% | 440 |
| Total risk-based capital ratio | 32.4569% | 436 |
| Memoranda: | ||
| Average total assets | $67,810,500 | 5,025 |
| Average earning assets | $64,790,750 | 4,966 |
| Average equity | $12,059,750 | 4,282 |
| Average total loans | $58,897,500 | 4,367 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5039% | 257 |
| Cost of funding earning assets | 1.1590% | 67 |
| Net interest margin | 4.3449% | 861 |
| Noninterest income to average assets | -0.0355% | 6,028 |
| Noninterest expense to average assets | 2.0207% | 5,231 |
| Loan and lease loss provision to assets | 0.2663% | 698 |
| Net operating income to assets | 1.5207% | 860 |
| Return on assets (ROA) | 1.5207% | 906 |
| Pretax return on assets | 1.8254% | 834 |
| Return on Equity (ROE) | 8.6155% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.6155% | 965 |
| Net charge-offs to loans | 0.0715% | 2,160 |
| Credit loss provision to net charge-offs | 428.5714% | 740 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,301 |
| Efficiency ratio | 49.1367% | 5,612 |
| Assets per employee ($millions) | 6.0964% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 1,181 |
| Loan loss allowance to noncurrent loans | 60.9507% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 4.0098% | 227 |
| Noncurrent loans to loans | 2.8659% | 535 |
| Net loans and leases to total assets | 84.9672% | 334 |
| Net loans and leases to deposits | 146.5886% | 13 |
| Net loans and leases to core deposits | 162.9974% | 82 |
| Total domestic deposits to total assets | 57.9630% | 5,987 |
| Equity capital to assets | 18.1449% | 327 |
| Core capital (leverage) ratio | 18.0690% | 292 |
| Tier 1 risk-based capital ratio | 31.3374% | 444 |
| Total risk-based capital ratio | 32.6019% | 438 |
| Memoranda: | ||
| Average total assets | $67,601,000 | 5,076 |
| Average earning assets | $64,535,670 | 5,016 |
| Average equity | $11,932,000 | 4,332 |
| Average total loans | $58,716,670 | 4,389 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6732% | 195 |
| Cost of funding earning assets | 1.1667% | 65 |
| Net interest margin | 4.5065% | 602 |
| Noninterest income to average assets | 0.0354% | 6,008 |
| Noninterest expense to average assets | 1.9390% | 5,465 |
| Loan and lease loss provision to assets | 0.2122% | 915 |
| Net operating income to assets | 1.8859% | 408 |
| Return on assets (ROA) | 1.8859% | 434 |
| Pretax return on assets | 2.1865% | 390 |
| Return on Equity (ROE) | 10.8346% | 1,663 |
| Retained earnings to average equity (ytd only) | 10.8346% | 683 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7011% | 5,848 |
| Assets per employee ($millions) | 6.1312% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 1,434 |
| Loan loss allowance to noncurrent loans | 49.1721% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 4.3681% | 211 |
| Noncurrent loans to loans | 3.3903% | 418 |
| Net loans and leases to total assets | 85.7094% | 239 |
| Net loans and leases to deposits | 147.2214% | 13 |
| Net loans and leases to core deposits | 163.4295% | 76 |
| Total domestic deposits to total assets | 58.2181% | 6,047 |
| Equity capital to assets | 17.7543% | 350 |
| Core capital (leverage) ratio | 17.7188% | 314 |
| Tier 1 risk-based capital ratio | 30.4876% | 483 |
| Total risk-based capital ratio | 31.7505% | 476 |
| Memoranda: | ||
| Average total assets | $67,871,500 | 5,120 |
| Average earning assets | $64,795,500 | 5,053 |
| Average equity | $11,814,000 | 4,360 |
| Average total loans | $59,079,000 | 4,407 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8704% | 152 |
| Cost of funding earning assets | 1.2898% | 37 |
| Net interest margin | 4.5806% | 569 |
| Noninterest income to average assets | -0.2593% | 6,167 |
| Noninterest expense to average assets | 3.0373% | 2,424 |
| Loan and lease loss provision to assets | 0.2110% | 990 |
| Net operating income to assets | 0.6286% | 4,147 |
| Return on assets (ROA) | 0.6286% | 4,235 |
| Pretax return on assets | 0.8425% | 4,054 |
| Return on Equity (ROE) | 3.6906% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.6906% | 3,422 |
| Net charge-offs to loans | 0.2453% | 1,225 |
| Credit loss provision to net charge-offs | 96.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 4.7933% | 3,490 |
| Efficiency ratio | 74.2479% | 2,538 |
| Assets per employee ($millions) | 6.2091% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 1,645 |
| Loan loss allowance to noncurrent loans | 37.6696% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 5.4597% | 154 |
| Noncurrent loans to loans | 4.2208% | 273 |
| Net loans and leases to total assets | 85.5476% | 267 |
| Net loans and leases to deposits | 145.3385% | 15 |
| Net loans and leases to core deposits | 160.9570% | 76 |
| Total domestic deposits to total assets | 58.8609% | 6,101 |
| Equity capital to assets | 17.0630% | 404 |
| Core capital (leverage) ratio | 17.2583% | 338 |
| Tier 1 risk-based capital ratio | 29.1481% | 548 |
| Total risk-based capital ratio | 30.4112% | 536 |
| Memoranda: | ||
| Average total assets | $68,251,000 | 5,126 |
| Average earning assets | $64,816,600 | 5,066 |
| Average equity | $11,624,200 | 4,364 |
| Average total loans | $61,161,400 | 4,345 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9123% | 149 |
| Cost of funding earning assets | 1.3324% | 35 |
| Net interest margin | 4.5799% | 563 |
| Noninterest income to average assets | 0.1055% | 5,939 |
| Noninterest expense to average assets | 2.2724% | 4,849 |
| Loan and lease loss provision to assets | 0.2306% | 793 |
| Net operating income to assets | 1.5514% | 847 |
| Return on assets (ROA) | 1.5514% | 885 |
| Pretax return on assets | 1.9480% | 666 |
| Return on Equity (ROE) | 9.1130% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.1130% | 864 |
| Net charge-offs to loans | 0.3246% | 818 |
| Credit loss provision to net charge-offs | 78.6667% | 2,630 |
| Earnings coverage of net charge-offs (x) | 7.4332% | 2,915 |
| Efficiency ratio | 51.0536% | 5,719 |
| Assets per employee ($millions) | 6.1238% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 1,991 |
| Loan loss allowance to noncurrent loans | 59.8435% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 4.4090% | 250 |
| Noncurrent loans to loans | 2.5791% | 774 |
| Net loans and leases to total assets | 86.9318% | 184 |
| Net loans and leases to deposits | 149.4576% | 13 |
| Net loans and leases to core deposits | 165.8238% | 66 |
| Total domestic deposits to total assets | 58.1648% | 6,191 |
| Equity capital to assets | 17.8439% | 352 |
| Core capital (leverage) ratio | 17.5849% | 327 |
| Tier 1 risk-based capital ratio | 30.1427% | 517 |
| Total risk-based capital ratio | 31.4066% | 510 |
| Memoranda: | ||
| Average total assets | $68,238,750 | 5,187 |
| Average earning assets | $64,744,750 | 5,131 |
| Average equity | $11,616,750 | 4,422 |
| Average total loans | $61,608,500 | 4,379 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0162% | 131 |
| Cost of funding earning assets | 1.2659% | 45 |
| Net interest margin | 4.7502% | 405 |
| Noninterest income to average assets | 0.0934% | 6,051 |
| Noninterest expense to average assets | 2.2939% | 4,858 |
| Loan and lease loss provision to assets | 0.3823% | 328 |
| Net operating income to assets | 1.5292% | 857 |
| Return on assets (ROA) | 1.5292% | 898 |
| Pretax return on assets | 1.9291% | 695 |
| Return on Equity (ROE) | 9.1271% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.1271% | 883 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8099% | 5,862 |
| Assets per employee ($millions) | 6.3061% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 1,420 |
| Loan loss allowance to noncurrent loans | 54.2126% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 4.3421% | 283 |
| Noncurrent loans to loans | 3.2739% | 567 |
| Net loans and leases to total assets | 86.2442% | 227 |
| Net loans and leases to deposits | 152.2536% | 13 |
| Net loans and leases to core deposits | 168.8303% | 67 |
| Total domestic deposits to total assets | 56.6451% | 6,271 |
| Equity capital to assets | 16.9389% | 426 |
| Core capital (leverage) ratio | 17.0775% | 359 |
| Tier 1 risk-based capital ratio | 51.4111% | 135 |
| Total risk-based capital ratio | 52.7018% | 133 |
| Memoranda: | ||
| Average total assets | $68,531,000 | 5,241 |
| Average earning assets | $65,091,330 | 5,174 |
| Average equity | $11,482,330 | 4,474 |
| Average total loans | $62,319,000 | 4,394 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1198% | 117 |
| Cost of funding earning assets | 1.2685% | 48 |
| Net interest margin | 4.8513% | 320 |
| Noninterest income to average assets | 0.1233% | 5,983 |
| Noninterest expense to average assets | 2.3021% | 4,876 |
| Loan and lease loss provision to assets | 0.5638% | 175 |
| Net operating income to assets | 1.4447% | 950 |
| Return on assets (ROA) | 1.4447% | 1,010 |
| Pretax return on assets | 1.8616% | 772 |
| Return on Equity (ROE) | 8.6707% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.6707% | 1,317 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6957% | 5,985 |
| Assets per employee ($millions) | 6.1680% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 1,779 |
| Loan loss allowance to noncurrent loans | 53.8620% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.6501% | 278 |
| Noncurrent loans to loans | 3.1247% | 672 |
| Net loans and leases to total assets | 90.0587% | 52 |
| Net loans and leases to deposits | 160.3332% | 14 |
| Net loans and leases to core deposits | 176.6442% | 61 |
| Total domestic deposits to total assets | 56.1697% | 6,341 |
| Equity capital to assets | 16.9084% | 436 |
| Core capital (leverage) ratio | 16.7953% | 379 |
| Tier 1 risk-based capital ratio | 65.8553% | 89 |
| Total risk-based capital ratio | 67.1584% | 89 |
| Memoranda: | ||
| Average total assets | $68,113,000 | 5,302 |
| Average earning assets | $64,642,500 | 5,236 |
| Average equity | $11,348,500 | 4,536 |
| Average total loans | $63,025,500 | 4,393 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4154% | 96 |
| Cost of funding earning assets | 1.3689% | 41 |
| Net interest margin | 5.0465% | 279 |
| Noninterest income to average assets | 0.1859% | 5,741 |
| Noninterest expense to average assets | 3.0592% | 2,656 |
| Loan and lease loss provision to assets | 0.9145% | 127 |
| Net operating income to assets | 0.7655% | 3,538 |
| Return on assets (ROA) | 0.7655% | 3,644 |
| Pretax return on assets | 1.0355% | 3,370 |
| Return on Equity (ROE) | 4.6381% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.6381% | 2,868 |
| Net charge-offs to loans | 1.2736% | 208 |
| Credit loss provision to net charge-offs | 75.7946% | 2,953 |
| Earnings coverage of net charge-offs (x) | 1.6161% | 4,379 |
| Efficiency ratio | 61.0718% | 5,053 |
| Assets per employee ($millions) | 6.2162% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 2,540 |
| Loan loss allowance to noncurrent loans | 50.1584% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 4.8422% | 296 |
| Noncurrent loans to loans | 2.9639% | 765 |
| Net loans and leases to total assets | 92.0647% | 28 |
| Net loans and leases to deposits | 167.3232% | 14 |
| Net loans and leases to core deposits | 184.1402% | 53 |
| Total domestic deposits to total assets | 55.0221% | 6,439 |
| Equity capital to assets | 16.4161% | 486 |
| Core capital (leverage) ratio | 16.4380% | 422 |
| Tier 1 risk-based capital ratio | 27.2968% | 657 |
| Total risk-based capital ratio | 28.5614% | 637 |
| Memoranda: | ||
| Average total assets | $67,796,600 | 5,352 |
| Average earning assets | $64,797,400 | 5,259 |
| Average equity | $11,190,000 | 4,526 |
| Average total loans | $64,227,400 | 4,356 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4072% | 98 |
| Cost of funding earning assets | 1.3662% | 44 |
| Net interest margin | 5.0410% | 275 |
| Noninterest income to average assets | 0.2306% | 5,553 |
| Noninterest expense to average assets | 2.6843% | 3,878 |
| Loan and lease loss provision to assets | 0.1991% | 1,197 |
| Net operating income to assets | 1.8132% | 505 |
| Return on assets (ROA) | 1.8132% | 518 |
| Pretax return on assets | 2.1758% | 387 |
| Return on Equity (ROE) | 10.9705% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.9705% | 517 |
| Net charge-offs to loans | 0.6241% | 579 |
| Credit loss provision to net charge-offs | 33.5548% | 3,394 |
| Earnings coverage of net charge-offs (x) | 4.0034% | 3,549 |
| Efficiency ratio | 53.0580% | 5,917 |
| Assets per employee ($millions) | 6.2124% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 2,926 |
| Loan loss allowance to noncurrent loans | 64.1407% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 3.8120% | 537 |
| Noncurrent loans to loans | 2.2674% | 1,326 |
| Net loans and leases to total assets | 94.0002% | 9 |
| Net loans and leases to deposits | 173.1802% | 13 |
| Net loans and leases to core deposits | 192.3521% | 46 |
| Total domestic deposits to total assets | 54.2789% | 6,519 |
| Equity capital to assets | 17.0145% | 426 |
| Core capital (leverage) ratio | 17.2071% | 353 |
| Tier 1 risk-based capital ratio | 28.3793% | 624 |
| Total risk-based capital ratio | 29.6436% | 600 |
| Memoranda: | ||
| Average total assets | $67,651,250 | 5,409 |
| Average earning assets | $64,800,500 | 5,309 |
| Average equity | $11,181,250 | 4,554 |
| Average total loans | $64,308,750 | 4,393 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3016% | 103 |
| Cost of funding earning assets | 1.3331% | 49 |
| Net interest margin | 4.9684% | 298 |
| Noninterest income to average assets | 0.2254% | 5,593 |
| Noninterest expense to average assets | 2.8121% | 3,455 |
| Loan and lease loss provision to assets | -0.0564% | 6,305 |
| Net operating income to assets | 1.8362% | 459 |
| Return on assets (ROA) | 1.8362% | 473 |
| Pretax return on assets | 2.2455% | 330 |
| Return on Equity (ROE) | 11.2212% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.2212% | 509 |
| Net charge-offs to loans | 0.2656% | 1,489 |
| Credit loss provision to net charge-offs | -22.3529% | 5,108 |
| Earnings coverage of net charge-offs (x) | 8.6824% | 2,458 |
| Efficiency ratio | 56.2278% | 5,725 |
| Assets per employee ($millions) | 6.0953% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 2,209 |
| Loan loss allowance to noncurrent loans | 73.5211% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.9405% | 546 |
| Noncurrent loans to loans | 2.2783% | 1,428 |
| Net loans and leases to total assets | 91.4032% | 31 |
| Net loans and leases to deposits | 163.3108% | 15 |
| Net loans and leases to core deposits | 181.1368% | 47 |
| Total domestic deposits to total assets | 55.9689% | 6,582 |
| Equity capital to assets | 16.8909% | 430 |
| Core capital (leverage) ratio | 16.8914% | 370 |
| Tier 1 risk-based capital ratio | 28.7517% | 599 |
| Total risk-based capital ratio | 30.0211% | 583 |
| Memoranda: | ||
| Average total assets | $67,423,000 | 5,461 |
| Average earning assets | $64,809,330 | 5,357 |
| Average equity | $11,032,670 | 4,599 |
| Average total loans | $64,017,000 | 4,420 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3752% | 98 |
| Cost of funding earning assets | 1.3399% | 53 |
| Net interest margin | 5.0353% | 252 |
| Noninterest income to average assets | 0.2307% | 5,508 |
| Noninterest expense to average assets | 2.5617% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1298% | 271 |
| Return on assets (ROA) | 2.1298% | 286 |
| Pretax return on assets | 2.5381% | 210 |
| Return on Equity (ROE) | 13.2274% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.2274% | 460 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2320% | 6,244 |
| Assets per employee ($millions) | 6.0817% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 2,098 |
| Loan loss allowance to noncurrent loans | 51.5723% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 3.5755% | 724 |
| Noncurrent loans to loans | 3.4539% | 858 |
| Net loans and leases to total assets | 94.6217% | 4 |
| Net loans and leases to deposits | 167.5427% | 14 |
| Net loans and leases to core deposits | 185.6824% | 46 |
| Total domestic deposits to total assets | 56.4762% | 6,652 |
| Equity capital to assets | 16.5428% | 454 |
| Core capital (leverage) ratio | 16.3276% | 441 |
| Tier 1 risk-based capital ratio | 27.6723% | 661 |
| Total risk-based capital ratio | 28.9426% | 649 |
| Memoranda: | ||
| Average total assets | $67,610,500 | 5,519 |
| Average earning assets | $65,378,500 | 5,394 |
| Average equity | $10,886,500 | 4,647 |
| Average total loans | $64,861,500 | 4,435 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6595% | 83 |
| Cost of funding earning assets | 1.3635% | 83 |
| Net interest margin | 5.2960% | 187 |
| Noninterest income to average assets | 0.1765% | 6,027 |
| Noninterest expense to average assets | 3.6791% | 1,315 |
| Loan and lease loss provision to assets | 0.1854% | 1,984 |
| Net operating income to assets | 1.0340% | 2,184 |
| Return on assets (ROA) | 1.0340% | 2,251 |
| Pretax return on assets | 1.4346% | 1,670 |
| Return on Equity (ROE) | 6.5739% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.5739% | 1,642 |
| Net charge-offs to loans | 0.5091% | 1,299 |
| Credit loss provision to net charge-offs | 37.8788% | 4,083 |
| Earnings coverage of net charge-offs (x) | 3.3091% | 3,900 |
| Efficiency ratio | 69.4289% | 3,933 |
| Assets per employee ($millions) | 6.2111% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 2,192 |
| Loan loss allowance to noncurrent loans | 48.3572% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 3.7177% | 755 |
| Noncurrent loans to loans | 3.6370% | 835 |
| Net loans and leases to total assets | 93.8585% | 7 |
| Net loans and leases to deposits | 165.9490% | 12 |
| Net loans and leases to core deposits | 181.3210% | 49 |
| Total domestic deposits to total assets | 56.5586% | 6,734 |
| Equity capital to assets | 15.6699% | 578 |
| Core capital (leverage) ratio | 15.6821% | 511 |
| Tier 1 risk-based capital ratio | 26.1345% | 763 |
| Total risk-based capital ratio | 27.4039% | 741 |
| Memoranda: | ||
| Average total assets | $67,407,800 | 5,555 |
| Average earning assets | $65,200,400 | 5,430 |
| Average equity | $10,602,600 | 4,719 |
| Average total loans | $64,820,800 | 4,446 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6740% | 84 |
| Cost of funding earning assets | 1.3754% | 82 |
| Net interest margin | 5.2985% | 189 |
| Noninterest income to average assets | 0.1806% | 6,112 |
| Noninterest expense to average assets | 2.5007% | 4,718 |
| Loan and lease loss provision to assets | 0.1489% | 2,410 |
| Net operating income to assets | 2.2328% | 244 |
| Return on assets (ROA) | 2.2328% | 252 |
| Pretax return on assets | 2.6535% | 198 |
| Return on Equity (ROE) | 14.1817% | 955 |
| Retained earnings to average equity (ytd only) | 14.1817% | 241 |
| Net charge-offs to loans | 0.3070% | 2,000 |
| Credit loss provision to net charge-offs | 50.3356% | 3,488 |
| Earnings coverage of net charge-offs (x) | 9.4766% | 2,481 |
| Efficiency ratio | 47.1557% | 6,544 |
| Assets per employee ($millions) | 6.1630% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 1,855 |
| Loan loss allowance to noncurrent loans | 50.0391% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 4.1745% | 741 |
| Noncurrent loans to loans | 3.8949% | 918 |
| Net loans and leases to total assets | 94.9139% | 3 |
| Net loans and leases to deposits | 172.5807% | 14 |
| Net loans and leases to core deposits | 190.6010% | 43 |
| Total domestic deposits to total assets | 54.9968% | 6,818 |
| Equity capital to assets | 16.4235% | 479 |
| Core capital (leverage) ratio | 16.3940% | 440 |
| Tier 1 risk-based capital ratio | 28.1289% | 625 |
| Total risk-based capital ratio | 29.4199% | 604 |
| Memoranda: | ||
| Average total assets | $67,179,250 | 5,621 |
| Average earning assets | $64,947,250 | 5,490 |
| Average equity | $10,576,750 | 4,777 |
| Average total loans | $64,707,500 | 4,499 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6717% | 82 |
| Cost of funding earning assets | 1.3893% | 87 |
| Net interest margin | 5.2824% | 190 |
| Noninterest income to average assets | 0.1941% | 6,047 |
| Noninterest expense to average assets | 2.4308% | 4,965 |
| Loan and lease loss provision to assets | 0.1493% | 2,466 |
| Net operating income to assets | 2.2964% | 219 |
| Return on assets (ROA) | 2.2964% | 228 |
| Pretax return on assets | 2.7234% | 203 |
| Return on Equity (ROE) | 14.8013% | 844 |
| Retained earnings to average equity (ytd only) | 14.8013% | 248 |
| Net charge-offs to loans | 0.3323% | 1,855 |
| Credit loss provision to net charge-offs | 46.7290% | 3,278 |
| Earnings coverage of net charge-offs (x) | 8.9907% | 2,340 |
| Efficiency ratio | 45.8333% | 6,645 |
| Assets per employee ($millions) | 6.1309% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 1,896 |
| Loan loss allowance to noncurrent loans | 80.1980% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.6809% | 1,557 |
| Noncurrent loans to loans | 2.4673% | 1,888 |
| Net loans and leases to total assets | 95.1972% | 3 |
| Net loans and leases to deposits | 163.8951% | 14 |
| Net loans and leases to core deposits | 181.3178% | 49 |
| Total domestic deposits to total assets | 58.0842% | 6,849 |
| Equity capital to assets | 15.9816% | 522 |
| Core capital (leverage) ratio | 16.0566% | 458 |
| Tier 1 risk-based capital ratio | 27.3428% | 668 |
| Total risk-based capital ratio | 28.6417% | 653 |
| Memoranda: | ||
| Average total assets | $66,974,670 | 5,658 |
| Average earning assets | $64,781,330 | 5,535 |
| Average equity | $10,391,000 | 4,853 |
| Average total loans | $64,402,000 | 4,522 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7042% | 77 |
| Cost of funding earning assets | 1.4016% | 94 |
| Net interest margin | 5.3026% | 170 |
| Noninterest income to average assets | 0.1678% | 6,259 |
| Noninterest expense to average assets | 2.4692% | 4,870 |
| Loan and lease loss provision to assets | 0.1498% | 2,374 |
| Net operating income to assets | 2.2594% | 213 |
| Return on assets (ROA) | 2.2594% | 241 |
| Pretax return on assets | 2.6730% | 213 |
| Return on Equity (ROE) | 14.7879% | 806 |
| Retained earnings to average equity (ytd only) | 14.7879% | 369 |
| Net charge-offs to loans | 0.2380% | 2,022 |
| Credit loss provision to net charge-offs | 65.7895% | 2,349 |
| Earnings coverage of net charge-offs (x) | 12.3947% | 1,600 |
| Efficiency ratio | 46.6591% | 6,668 |
| Assets per employee ($millions) | 5.9759% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 1,796 |
| Loan loss allowance to noncurrent loans | 80.2395% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 3.0030% | 1,496 |
| Noncurrent loans to loans | 2.6161% | 1,968 |
| Net loans and leases to total assets | 95.0726% | 3 |
| Net loans and leases to deposits | 154.3454% | 20 |
| Net loans and leases to core deposits | 167.9549% | 60 |
| Total domestic deposits to total assets | 61.5973% | 6,902 |
| Equity capital to assets | 15.7998% | 592 |
| Core capital (leverage) ratio | 15.4423% | 520 |
| Tier 1 risk-based capital ratio | 26.7749% | 728 |
| Total risk-based capital ratio | 28.0768% | 717 |
| Memoranda: | ||
| Average total assets | $66,742,000 | 5,716 |
| Average earning assets | $64,496,500 | 5,597 |
| Average equity | $10,197,500 | 4,948 |
| Average total loans | $63,854,500 | 4,570 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8214% | 90 |
| Cost of funding earning assets | 1.4877% | 171 |
| Net interest margin | 5.3337% | 222 |
| Noninterest income to average assets | 0.1578% | 6,247 |
| Noninterest expense to average assets | 3.6089% | 1,587 |
| Loan and lease loss provision to assets | 0.3065% | 2,232 |
| Net operating income to assets | 0.8061% | 3,255 |
| Return on assets (ROA) | 0.8061% | 3,507 |
| Pretax return on assets | 1.3960% | 2,052 |
| Return on Equity (ROE) | 5.2573% | 4,561 |
| Retained earnings to average equity (ytd only) | 5.2573% | 2,533 |
| Net charge-offs to loans | 0.0983% | 4,681 |
| Credit loss provision to net charge-offs | 322.5806% | 756 |
| Earnings coverage of net charge-offs (x) | 17.9194% | 1,475 |
| Efficiency ratio | 67.9458% | 4,155 |
| Assets per employee ($millions) | 6.1590% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1183% | 1,716 |
| Loan loss allowance to noncurrent loans | 115.4437% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 2.2701% | 2,162 |
| Noncurrent loans to loans | 1.8349% | 2,875 |
| Net loans and leases to total assets | 92.2818% | 19 |
| Net loans and leases to deposits | 145.6155% | 27 |
| Net loans and leases to core deposits | 158.6440% | 85 |
| Total domestic deposits to total assets | 63.3736% | 6,938 |
| Equity capital to assets | 14.7736% | 797 |
| Core capital (leverage) ratio | 14.9457% | 584 |
| Tier 1 risk-based capital ratio | 25.7407% | 787 |
| Total risk-based capital ratio | 27.0420% | 781 |
| Memoranda: | ||
| Average total assets | $65,256,000 | 5,775 |
| Average earning assets | $63,051,800 | 5,635 |
| Average equity | $10,005,200 | 4,983 |
| Average total loans | $63,100,000 | 4,595 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8272% | 94 |
| Cost of funding earning assets | 1.5029% | 199 |
| Net interest margin | 5.3243% | 233 |
| Noninterest income to average assets | 0.1753% | 6,253 |
| Noninterest expense to average assets | 2.6075% | 4,717 |
| Loan and lease loss provision to assets | 0.3094% | 2,133 |
| Net operating income to assets | 2.0134% | 382 |
| Return on assets (ROA) | 2.0134% | 426 |
| Pretax return on assets | 2.4033% | 344 |
| Return on Equity (ROE) | 13.0075% | 1,333 |
| Retained earnings to average equity (ytd only) | 13.0075% | 394 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0112% | 6,662 |
| Assets per employee ($millions) | 5.9691% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 1,847 |
| Loan loss allowance to noncurrent loans | 152.0045% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 3,120 |
| Noncurrent loans to loans | 1.4014% | 3,698 |
| Net loans and leases to total assets | 95.5148% | 5 |
| Net loans and leases to deposits | 157.8888% | 19 |
| Net loans and leases to core deposits | 172.0671% | 65 |
| Total domestic deposits to total assets | 60.4950% | 7,058 |
| Equity capital to assets | 15.9290% | 617 |
| Core capital (leverage) ratio | 15.9650% | 478 |
| Tier 1 risk-based capital ratio | 27.1254% | 736 |
| Total risk-based capital ratio | 28.4247% | 709 |
| Memoranda: | ||
| Average total assets | $64,632,750 | 5,860 |
| Average earning assets | $62,454,000 | 5,724 |
| Average equity | $10,004,250 | 5,026 |
| Average total loans | $62,906,750 | 4,644 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0385% | 79 |
| Cost of funding earning assets | 1.4682% | 267 |
| Net interest margin | 5.5703% | 161 |
| Noninterest income to average assets | 0.1804% | 6,274 |
| Noninterest expense to average assets | 2.5976% | 4,788 |
| Loan and lease loss provision to assets | 0.3111% | 2,122 |
| Net operating income to assets | 2.2616% | 257 |
| Return on assets (ROA) | 2.2616% | 290 |
| Pretax return on assets | 2.6536% | 236 |
| Return on Equity (ROE) | 14.7574% | 976 |
| Retained earnings to average equity (ytd only) | 14.7574% | 294 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7002% | 6,846 |
| Assets per employee ($millions) | 5.8924% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0776% | 2,042 |
| Loan loss allowance to noncurrent loans | 171.0013% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 1.4626% | 3,518 |
| Noncurrent loans to loans | 1.2149% | 4,121 |
| Net loans and leases to total assets | 95.6245% | 4 |
| Net loans and leases to deposits | 150.1563% | 18 |
| Net loans and leases to core deposits | 163.0881% | 83 |
| Total domestic deposits to total assets | 63.6833% | 7,093 |
| Equity capital to assets | 15.7523% | 633 |
| Core capital (leverage) ratio | 15.8072% | 487 |
| Tier 1 risk-based capital ratio | 27.1304% | 716 |
| Total risk-based capital ratio | 28.4325% | 692 |
| Memoranda: | ||
| Average total assets | $64,290,330 | 5,906 |
| Average earning assets | $62,115,330 | 5,762 |
| Average equity | $9,852,670 | 5,060 |
| Average total loans | $62,515,670 | 4,694 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1356% | 80 |
| Cost of funding earning assets | 1.5022% | 284 |
| Net interest margin | 5.6334% | 153 |
| Noninterest income to average assets | 0.1999% | 6,195 |
| Noninterest expense to average assets | 2.5489% | 4,993 |
| Loan and lease loss provision to assets | 0.3124% | 2,006 |
| Net operating income to assets | 2.3802% | 212 |
| Return on assets (ROA) | 2.3802% | 263 |
| Pretax return on assets | 2.7738% | 237 |
| Return on Equity (ROE) | 15.7536% | 841 |
| Retained earnings to average equity (ytd only) | 15.7536% | 383 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2328% | 6,938 |
| Assets per employee ($millions) | 5.7897% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 2,249 |
| Loan loss allowance to noncurrent loans | 144.7368% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.9863% | 2,916 |
| Noncurrent loans to loans | 1.4069% | 3,998 |
| Net loans and leases to total assets | 95.5548% | 3 |
| Net loans and leases to deposits | 148.4329% | 21 |
| Net loans and leases to core deposits | 159.8571% | 91 |
| Total domestic deposits to total assets | 64.3758% | 7,136 |
| Equity capital to assets | 15.4898% | 661 |
| Core capital (leverage) ratio | 15.3286% | 554 |
| Tier 1 risk-based capital ratio | 26.9028% | 742 |
| Total risk-based capital ratio | 28.2064% | 724 |
| Memoranda: | ||
| Average total assets | $64,027,500 | 5,956 |
| Average earning assets | $61,774,500 | 5,816 |
| Average equity | $9,674,000 | 5,125 |
| Average total loans | $62,126,000 | 4,730 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9306% | 103 |
| Cost of funding earning assets | 1.9949% | 103 |
| Net interest margin | 4.9356% | 471 |
| Noninterest income to average assets | 0.1571% | 6,364 |
| Noninterest expense to average assets | 3.6186% | 1,706 |
| Loan and lease loss provision to assets | 0.2776% | 3,447 |
| Net operating income to assets | 0.6457% | 3,760 |
| Return on assets (ROA) | 0.6457% | 3,954 |
| Pretax return on assets | 1.0296% | 3,122 |
| Return on Equity (ROE) | 4.2536% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.2536% | 3,160 |
| Net charge-offs to loans | 0.0754% | 5,563 |
| Credit loss provision to net charge-offs | 380.4348% | 613 |
| Earnings coverage of net charge-offs (x) | 17.9130% | 1,243 |
| Efficiency ratio | 73.4622% | 3,310 |
| Assets per employee ($millions) | 5.8516% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 2,405 |
| Loan loss allowance to noncurrent loans | 89.4040% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 2.3987% | 2,536 |
| Noncurrent loans to loans | 2.1873% | 2,966 |
| Net loans and leases to total assets | 94.6371% | 6 |
| Net loans and leases to deposits | 149.9176% | 28 |
| Net loans and leases to core deposits | 160.3939% | 107 |
| Total domestic deposits to total assets | 63.1261% | 7,188 |
| Equity capital to assets | 14.7325% | 838 |
| Core capital (leverage) ratio | 14.7722% | 654 |
| Tier 1 risk-based capital ratio | 25.3326% | 837 |
| Total risk-based capital ratio | 26.6335% | 809 |
| Memoranda: | ||
| Average total assets | $63,035,000 | 5,954 |
| Average earning assets | $60,904,000 | 5,839 |
| Average equity | $9,568,400 | 5,130 |
| Average total loans | $60,973,000 | 4,830 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9694% | 99 |
| Cost of funding earning assets | 1.7583% | 308 |
| Net interest margin | 5.2111% | 280 |
| Noninterest income to average assets | 0.1744% | 6,342 |
| Noninterest expense to average assets | 2.4454% | 5,646 |
| Loan and lease loss provision to assets | 0.2658% | 3,381 |
| Net operating income to assets | 2.1626% | 266 |
| Return on assets (ROA) | 2.1626% | 283 |
| Pretax return on assets | 2.4985% | 251 |
| Return on Equity (ROE) | 14.1398% | 1,012 |
| Retained earnings to average equity (ytd only) | 14.1398% | 290 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9388% | 7,018 |
| Assets per employee ($millions) | 5.7691% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 2,428 |
| Loan loss allowance to noncurrent loans | 116.1074% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.6436% | 3,621 |
| Noncurrent loans to loans | 1.6938% | 3,766 |
| Net loans and leases to total assets | 95.1245% | 4 |
| Net loans and leases to deposits | 150.9150% | 25 |
| Net loans and leases to core deposits | 161.6052% | 109 |
| Total domestic deposits to total assets | 63.0318% | 7,259 |
| Equity capital to assets | 15.9045% | 646 |
| Core capital (leverage) ratio | 15.8570% | 524 |
| Tier 1 risk-based capital ratio | 27.6210% | 689 |
| Total risk-based capital ratio | 28.9209% | 670 |
| Memoranda: | ||
| Average total assets | $62,701,750 | 6,012 |
| Average earning assets | $60,587,250 | 5,885 |
| Average equity | $9,589,750 | 5,159 |
| Average total loans | $60,683,500 | 4,876 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0230% | 101 |
| Cost of funding earning assets | 1.7665% | 358 |
| Net interest margin | 5.2565% | 255 |
| Noninterest income to average assets | 0.1825% | 6,349 |
| Noninterest expense to average assets | 2.4532% | 5,691 |
| Loan and lease loss provision to assets | 0.2402% | 3,509 |
| Net operating income to assets | 2.2258% | 254 |
| Return on assets (ROA) | 2.2258% | 268 |
| Pretax return on assets | 2.5685% | 223 |
| Return on Equity (ROE) | 14.7527% | 842 |
| Retained earnings to average equity (ytd only) | 14.7527% | 262 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6220% | 7,128 |
| Assets per employee ($millions) | 5.7532% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 2,693 |
| Loan loss allowance to noncurrent loans | 145.8543% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 4,380 |
| Noncurrent loans to loans | 1.2972% | 4,481 |
| Net loans and leases to total assets | 95.1315% | 5 |
| Net loans and leases to deposits | 147.8233% | 30 |
| Net loans and leases to core deposits | 158.1361% | 127 |
| Total domestic deposits to total assets | 64.3549% | 7,306 |
| Equity capital to assets | 15.4397% | 710 |
| Core capital (leverage) ratio | 15.4813% | 585 |
| Tier 1 risk-based capital ratio | 26.5661% | 754 |
| Total risk-based capital ratio | 27.8657% | 737 |
| Memoranda: | ||
| Average total assets | $62,449,000 | 6,070 |
| Average earning assets | $60,344,330 | 5,945 |
| Average equity | $9,422,000 | 5,208 |
| Average total loans | $60,385,670 | 4,940 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9845% | 110 |
| Cost of funding earning assets | 1.7962% | 383 |
| Net interest margin | 5.1883% | 257 |
| Noninterest income to average assets | 0.1870% | 6,383 |
| Noninterest expense to average assets | 2.4955% | 5,569 |
| Loan and lease loss provision to assets | 0.1612% | 4,015 |
| Net operating income to assets | 2.2118% | 255 |
| Return on assets (ROA) | 2.2118% | 269 |
| Pretax return on assets | 2.5407% | 238 |
| Return on Equity (ROE) | 14.8364% | 848 |
| Retained earnings to average equity (ytd only) | 14.8364% | 407 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0149% | 7,114 |
| Assets per employee ($millions) | 5.6662% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 2,892 |
| Loan loss allowance to noncurrent loans | 179.1935% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 4,918 |
| Noncurrent loans to loans | 1.0261% | 5,003 |
| Net loans and leases to total assets | 95.1579% | 6 |
| Net loans and leases to deposits | 143.7609% | 38 |
| Net loans and leases to core deposits | 155.2577% | 140 |
| Total domestic deposits to total assets | 66.1918% | 7,322 |
| Equity capital to assets | 15.1120% | 740 |
| Core capital (leverage) ratio | 15.1076% | 646 |
| Tier 1 risk-based capital ratio | 26.1327% | 777 |
| Total risk-based capital ratio | 27.4283% | 754 |
| Memoranda: | ||
| Average total assets | $62,031,000 | 6,121 |
| Average earning assets | $59,904,000 | 5,998 |
| Average equity | $9,247,500 | 5,246 |
| Average total loans | $59,896,000 | 5,006 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4519% | 86 |
| Cost of funding earning assets | 2.7178% | 55 |
| Net interest margin | 4.7341% | 758 |
| Noninterest income to average assets | 0.1769% | 6,476 |
| Noninterest expense to average assets | 3.3651% | 2,539 |
| Loan and lease loss provision to assets | 0.3275% | 4,191 |
| Net operating income to assets | 0.6714% | 3,338 |
| Return on assets (ROA) | 0.6714% | 3,482 |
| Pretax return on assets | 1.0480% | 2,781 |
| Return on Equity (ROE) | 4.5324% | 4,282 |
| Retained earnings to average equity (ytd only) | 4.5324% | 2,699 |
| Net charge-offs to loans | 0.0824% | 6,004 |
| Credit loss provision to net charge-offs | 416.6667% | 572 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,146 |
| Efficiency ratio | 70.9845% | 3,995 |
| Assets per employee ($millions) | 5.6122% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 2,762 |
| Loan loss allowance to noncurrent loans | 169.6875% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 4,923 |
| Noncurrent loans to loans | 1.0780% | 4,936 |
| Net loans and leases to total assets | 94.4131% | 7 |
| Net loans and leases to deposits | 142.5131% | 41 |
| Net loans and leases to core deposits | 152.6305% | 169 |
| Total domestic deposits to total assets | 66.2487% | 7,382 |
| Equity capital to assets | 14.7018% | 860 |
| Core capital (leverage) ratio | 14.5745% | 737 |
| Tier 1 risk-based capital ratio | 25.4201% | 811 |
| Total risk-based capital ratio | 26.7197% | 779 |
| Memoranda: | ||
| Average total assets | $61,068,400 | 6,158 |
| Average earning assets | $58,870,600 | 6,032 |
| Average equity | $9,046,000 | 5,408 |
| Average total loans | $58,231,400 | 5,143 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9687% | 156 |
| Cost of funding earning assets | 2.1653% | 421 |
| Net interest margin | 4.8033% | 673 |
| Noninterest income to average assets | 0.1905% | 6,517 |
| Noninterest expense to average assets | 2.5592% | 5,471 |
| Loan and lease loss provision to assets | 0.3284% | 3,965 |
| Net operating income to assets | 1.6179% | 724 |
| Return on assets (ROA) | 1.6179% | 790 |
| Pretax return on assets | 1.9309% | 727 |
| Return on Equity (ROE) | 10.9013% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.9013% | 620 |
| Net charge-offs to loans | 0.1219% | 5,327 |
| Credit loss provision to net charge-offs | 283.0189% | 1,146 |
| Earnings coverage of net charge-offs (x) | 19.4731% | 1,210 |
| Efficiency ratio | 53.1122% | 6,879 |
| Assets per employee ($millions) | 5.6606% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 3,000 |
| Loan loss allowance to noncurrent loans | 172.1202% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9620% | 5,165 |
| Noncurrent loans to loans | 1.0157% | 5,206 |
| Net loans and leases to total assets | 93.0573% | 18 |
| Net loans and leases to deposits | 148.5287% | 37 |
| Net loans and leases to core deposits | 162.8922% | 139 |
| Total domestic deposits to total assets | 62.6528% | 7,546 |
| Equity capital to assets | 15.1043% | 866 |
| Core capital (leverage) ratio | 15.2039% | 674 |
| Tier 1 risk-based capital ratio | 26.3460% | 749 |
| Total risk-based capital ratio | 27.6374% | 728 |
| Memoranda: | ||
| Average total assets | $60,902,000 | 6,235 |
| Average earning assets | $58,680,250 | 6,104 |
| Average equity | $9,038,500 | 5,485 |
| Average total loans | $57,946,500 | 5,235 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9400% | 167 |
| Cost of funding earning assets | 2.1851% | 486 |
| Net interest margin | 4.7550% | 716 |
| Noninterest income to average assets | 0.1787% | 6,628 |
| Noninterest expense to average assets | 2.5576% | 5,494 |
| Loan and lease loss provision to assets | 0.3309% | 3,751 |
| Net operating income to assets | 1.5452% | 825 |
| Return on assets (ROA) | 1.5452% | 881 |
| Pretax return on assets | 1.8694% | 781 |
| Return on Equity (ROE) | 10.4752% | 1,937 |
| Retained earnings to average equity (ytd only) | 10.4752% | 754 |
| Net charge-offs to loans | 0.1771% | 4,550 |
| Credit loss provision to net charge-offs | 196.0784% | 2,015 |
| Earnings coverage of net charge-offs (x) | 13.0392% | 1,617 |
| Efficiency ratio | 53.7552% | 6,907 |
| Assets per employee ($millions) | 5.5498% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 3,034 |
| Loan loss allowance to noncurrent loans | 132.0805% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 4,697 |
| Noncurrent loans to loans | 1.2942% | 4,794 |
| Net loans and leases to total assets | 92.6812% | 24 |
| Net loans and leases to deposits | 148.1501% | 41 |
| Net loans and leases to core deposits | 158.1772% | 177 |
| Total domestic deposits to total assets | 62.5590% | 7,616 |
| Equity capital to assets | 14.9620% | 889 |
| Core capital (leverage) ratio | 15.0319% | 714 |
| Tier 1 risk-based capital ratio | 26.0882% | 762 |
| Total risk-based capital ratio | 27.3849% | 752 |
| Memoranda: | ||
| Average total assets | $60,447,000 | 6,287 |
| Average earning assets | $58,213,000 | 6,162 |
| Average equity | $8,916,330 | 5,523 |
| Average total loans | $57,603,670 | 5,285 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0478% | 163 |
| Cost of funding earning assets | 2.1835% | 623 |
| Net interest margin | 4.8644% | 567 |
| Noninterest income to average assets | 0.1862% | 6,626 |
| Noninterest expense to average assets | 2.4474% | 5,923 |
| Loan and lease loss provision to assets | 0.3325% | 3,402 |
| Net operating income to assets | 1.7358% | 569 |
| Return on assets (ROA) | 1.7358% | 625 |
| Pretax return on assets | 2.0882% | 514 |
| Return on Equity (ROE) | 11.8535% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.8535% | 771 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2732% | 7,298 |
| Assets per employee ($millions) | 5.4600% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 3,036 |
| Loan loss allowance to noncurrent loans | 83.4606% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.9630% | 3,546 |
| Noncurrent loans to loans | 2.0468% | 3,722 |
| Net loans and leases to total assets | 94.2707% | 14 |
| Net loans and leases to deposits | 151.3432% | 42 |
| Net loans and leases to core deposits | 161.6024% | 185 |
| Total domestic deposits to total assets | 62.2894% | 7,711 |
| Equity capital to assets | 14.8635% | 915 |
| Core capital (leverage) ratio | 14.9164% | 762 |
| Tier 1 risk-based capital ratio | 25.6619% | 800 |
| Total risk-based capital ratio | 26.9583% | 782 |
| Memoranda: | ||
| Average total assets | $60,146,500 | 6,375 |
| Average earning assets | $57,890,000 | 6,251 |
| Average equity | $8,807,500 | 5,589 |
| Average total loans | $57,623,500 | 5,354 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2581% | 185 |
| Cost of funding earning assets | 2.4206% | 1,241 |
| Net interest margin | 4.8376% | 639 |
| Noninterest income to average assets | 0.1263% | 7,118 |
| Noninterest expense to average assets | 3.4307% | 2,583 |
| Loan and lease loss provision to assets | 0.2560% | 5,348 |
| Net operating income to assets | 0.6571% | 3,109 |
| Return on assets (ROA) | 0.6571% | 3,161 |
| Pretax return on assets | 1.1060% | 2,227 |
| Return on Equity (ROE) | 4.4295% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.4295% | 2,145 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5812% | 4,335 |
| Assets per employee ($millions) | 5.4757% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 3,196 |
| Loan loss allowance to noncurrent loans | 112.5301% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 4,359 |
| Noncurrent loans to loans | 1.4399% | 4,513 |
| Net loans and leases to total assets | 94.1510% | 10 |
| Net loans and leases to deposits | 153.0882% | 37 |
| Net loans and leases to core deposits | 198.0997% | 109 |
| Total domestic deposits to total assets | 61.5012% | 7,775 |
| Equity capital to assets | 14.4240% | 1,045 |
| Core capital (leverage) ratio | 14.5689% | 869 |
| Tier 1 risk-based capital ratio | 24.7775% | 868 |
| Total risk-based capital ratio | 26.0723% | 836 |
| Memoranda: | ||
| Average total assets | $58,589,400 | 6,403 |
| Average earning assets | $56,515,800 | 6,272 |
| Average equity | $8,691,800 | 5,705 |
| Average total loans | $56,476,200 | 5,399 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2931% | 195 |
| Cost of funding earning assets | 2.4619% | 1,409 |
| Net interest margin | 4.8312% | 652 |
| Noninterest income to average assets | 0.1535% | 7,090 |
| Noninterest expense to average assets | 2.6309% | 5,596 |
| Loan and lease loss provision to assets | 0.1146% | 6,221 |
| Net operating income to assets | 1.7440% | 515 |
| Return on assets (ROA) | 1.7440% | 541 |
| Pretax return on assets | 2.0717% | 474 |
| Return on Equity (ROE) | 11.6723% | 1,448 |
| Retained earnings to average equity (ytd only) | 11.6723% | 384 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6147% | 7,170 |
| Assets per employee ($millions) | 5.9035% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 3,653 |
| Loan loss allowance to noncurrent loans | 127.9141% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 4,871 |
| Noncurrent loans to loans | 1.1398% | 5,040 |
| Net loans and leases to total assets | 95.4823% | 11 |
| Net loans and leases to deposits | 147.6452% | 56 |
| Net loans and leases to core deposits | 202.5076% | 97 |
| Total domestic deposits to total assets | 64.6701% | 7,740 |
| Equity capital to assets | 15.3536% | 914 |
| Core capital (leverage) ratio | 15.4781% | 765 |
| Tier 1 risk-based capital ratio | 26.3022% | 799 |
| Total risk-based capital ratio | 27.5935% | 777 |
| Memoranda: | ||
| Average total assets | $58,178,500 | 6,461 |
| Average earning assets | $56,161,000 | 6,325 |
| Average equity | $8,692,750 | 5,753 |
| Average total loans | $56,184,250 | 5,454 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3468% | 193 |
| Cost of funding earning assets | 2.5122% | 1,569 |
| Net interest margin | 4.8347% | 617 |
| Noninterest income to average assets | 0.1485% | 7,205 |
| Noninterest expense to average assets | 2.6463% | 5,576 |
| Loan and lease loss provision to assets | 0.1727% | 5,337 |
| Net operating income to assets | 1.6582% | 609 |
| Return on assets (ROA) | 1.6582% | 667 |
| Pretax return on assets | 1.9968% | 575 |
| Return on Equity (ROE) | 11.2032% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.2032% | 538 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9498% | 7,234 |
| Assets per employee ($millions) | 5.8085% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 3,289 |
| Loan loss allowance to noncurrent loans | 85.6263% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 3,672 |
| Noncurrent loans to loans | 1.7321% | 3,912 |
| Net loans and leases to total assets | 95.3757% | 13 |
| Net loans and leases to deposits | 154.1302% | 54 |
| Net loans and leases to core deposits | 192.3910% | 152 |
| Total domestic deposits to total assets | 61.8800% | 7,895 |
| Equity capital to assets | 15.1209% | 1,007 |
| Core capital (leverage) ratio | 14.9737% | 927 |
| Tier 1 risk-based capital ratio | 26.1960% | 842 |
| Total risk-based capital ratio | 27.4905% | 812 |
| Memoranda: | ||
| Average total assets | $57,893,000 | 6,515 |
| Average earning assets | $55,888,000 | 6,398 |
| Average equity | $8,569,000 | 5,828 |
| Average total loans | $55,845,000 | 5,512 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1898% | 257 |
| Cost of funding earning assets | 2.5616% | 1,691 |
| Net interest margin | 4.6281% | 895 |
| Noninterest income to average assets | 0.1799% | 7,008 |
| Noninterest expense to average assets | 2.0762% | 7,177 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2008% | 231 |
| Return on assets (ROA) | 2.2008% | 267 |
| Pretax return on assets | 2.5676% | 226 |
| Return on Equity (ROE) | 15.0319% | 969 |
| Retained earnings to average equity (ytd only) | 15.0319% | 410 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7094% | 7,904 |
| Assets per employee ($millions) | 5.9227% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 3,606 |
| Loan loss allowance to noncurrent loans | 135.8752% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 4,758 |
| Noncurrent loans to loans | 1.0169% | 4,964 |
| Net loans and leases to total assets | 94.4822% | 23 |
| Net loans and leases to deposits | 151.1425% | 62 |
| Net loans and leases to core deposits | 194.2009% | 159 |
| Total domestic deposits to total assets | 62.5120% | 7,895 |
| Equity capital to assets | 14.5559% | 1,215 |
| Core capital (leverage) ratio | 14.9160% | 991 |
| Tier 1 risk-based capital ratio | 25.1826% | 968 |
| Total risk-based capital ratio | 26.4737% | 936 |
| Memoranda: | ||
| Average total assets | $57,797,000 | 6,548 |
| Average earning assets | $55,746,000 | 6,426 |
| Average equity | $8,462,000 | 5,894 |
| Average total loans | $55,651,000 | 5,557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3941% | 500 |
| Cost of funding earning assets | 3.0291% | 1,756 |
| Net interest margin | 4.3651% | 1,780 |
| Noninterest income to average assets | 0.3115% | 6,224 |
| Noninterest expense to average assets | 3.0891% | 3,741 |
| Loan and lease loss provision to assets | 0.1854% | 5,037 |
| Net operating income to assets | 0.9202% | 2,915 |
| Return on assets (ROA) | 0.8863% | 2,899 |
| Pretax return on assets | 1.2071% | 2,610 |
| Return on Equity (ROE) | 5.8792% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.8792% | 1,582 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2228% | 4,685 |
| Assets per employee ($millions) | 5.6367% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 2,991 |
| Loan loss allowance to noncurrent loans | 1,568.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 7,228 |
| Noncurrent loans to loans | 0.0916% | 7,150 |
| Net loans and leases to total assets | 95.4016% | 14 |
| Net loans and leases to deposits | 158.2642% | 69 |
| Net loans and leases to core deposits | 199.7808% | 174 |
| Total domestic deposits to total assets | 60.2800% | 7,958 |
| Equity capital to assets | 14.7302% | 1,240 |
| Core capital (leverage) ratio | 14.9536% | 1,050 |
| Tier 1 risk-based capital ratio | 25.0415% | 982 |
| Total risk-based capital ratio | 26.3323% | 961 |
| Memoranda: | ||
| Average total assets | $53,931,000 | 6,624 |
| Average earning assets | $52,095,400 | 6,501 |
| Average equity | $8,130,400 | 6,031 |
| Average total loans | $52,224,400 | 5,612 |