Home > Seneca Savings > Performance and Condition Ratios
Seneca 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 | 5.0199% | 2,035 |
| Cost of funding earning assets | 1.6040% | 1,680 |
| Net interest margin | 3.4159% | 2,371 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 3.1160% | 937 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.3810% | 3,911 |
| Return on assets (ROA) | 0.3629% | 3,929 |
| Pretax return on assets | 0.4194% | 3,935 |
| Return on Equity (ROE) | 4.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.3638% | 2,842 |
| Net charge-offs to loans | 0.0406% | 1,501 |
| Credit loss provision to net charge-offs | 304.0000% | 951 |
| Earnings coverage of net charge-offs (x) | 18.1067% | 1,949 |
| Efficiency ratio | 84.5208% | 638 |
| Assets per employee ($millions) | 4.3517% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,166 |
| Loan loss allowance to noncurrent loans | 491.5865% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 1,050 |
| Noncurrent loans to loans | 0.2094% | 2,472 |
| Net loans and leases to total assets | 76.5700% | 1,038 |
| Net loans and leases to deposits | 99.6684% | 552 |
| Net loans and leases to core deposits | 116.5057% | 731 |
| Total domestic deposits to total assets | 76.8200% | 3,865 |
| Equity capital to assets | 8.4378% | 3,097 |
| Core capital (leverage) ratio | 10.1912% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $246,055,800 | 2,709 |
| Average earning assets | $225,940,400 | 2,710 |
| Average equity | $20,463,800 | 2,823 |
| Average total loans | $184,769,800 | 2,397 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,980 |
| Cost of funding earning assets | 1.4976% | 1,614 |
| Net interest margin | 3.4391% | 2,365 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 3.0886% | 945 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.3878% | 3,982 |
| Return on assets (ROA) | 0.3638% | 4,026 |
| Pretax return on assets | 0.4235% | 4,027 |
| Return on Equity (ROE) | 4.3900% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.3906% | 3,150 |
| Net charge-offs to loans | 0.0552% | 1,115 |
| Credit loss provision to net charge-offs | 253.3333% | 976 |
| Earnings coverage of net charge-offs (x) | 13.9867% | 2,017 |
| Efficiency ratio | 84.3128% | 597 |
| Assets per employee ($millions) | 4.3726% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,152 |
| Loan loss allowance to noncurrent loans | 3,933.3333% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 1,417 |
| Noncurrent loans to loans | 0.0265% | 3,583 |
| Net loans and leases to total assets | 76.5600% | 1,054 |
| Net loans and leases to deposits | 98.3212% | 600 |
| Net loans and leases to core deposits | 113.7549% | 741 |
| Total domestic deposits to total assets | 77.8600% | 3,834 |
| Equity capital to assets | 8.0994% | 2,986 |
| Core capital (leverage) ratio | 10.7587% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $243,382,750 | 2,725 |
| Average earning assets | $223,734,500 | 2,732 |
| Average equity | $20,163,750 | 2,834 |
| Average total loans | $181,304,250 | 2,437 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 1,823 |
| Cost of funding earning assets | 1.4268% | 1,378 |
| Net interest margin | 3.4489% | 2,393 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.0328% | 988 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.4277% | 3,949 |
| Return on assets (ROA) | 0.3918% | 4,030 |
| Pretax return on assets | 0.4606% | 4,030 |
| Return on Equity (ROE) | 4.6900% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.6934% | 3,029 |
| Net charge-offs to loans | 0.0755% | 821 |
| Credit loss provision to net charge-offs | 223.8806% | 998 |
| Earnings coverage of net charge-offs (x) | 11.2985% | 1,970 |
| Efficiency ratio | 82.8656% | 663 |
| Assets per employee ($millions) | 4.4580% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,029 |
| Loan loss allowance to noncurrent loans | 2,056.2500% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 1,206 |
| Noncurrent loans to loans | 0.0526% | 3,325 |
| Net loans and leases to total assets | 74.9400% | 1,171 |
| Net loans and leases to deposits | 94.2282% | 838 |
| Net loans and leases to core deposits | 107.8910% | 912 |
| Total domestic deposits to total assets | 79.5300% | 3,649 |
| Equity capital to assets | 8.5033% | 2,861 |
| Core capital (leverage) ratio | 10.6599% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $241,430,000 | 2,737 |
| Average earning assets | $221,751,333 | 2,754 |
| Average equity | $20,156,000 | 2,853 |
| Average total loans | $177,467,667 | 2,469 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 1,811 |
| Cost of funding earning assets | 1.2374% | 1,366 |
| Net interest margin | 3.4762% | 2,432 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 3.0143% | 1,038 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.4208% | 4,054 |
| Return on assets (ROA) | 0.3507% | 4,125 |
| Pretax return on assets | 0.4219% | 4,103 |
| Return on Equity (ROE) | 4.2400% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.2402% | 3,201 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.7054% | 662 |
| Assets per employee ($millions) | 4.7763% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 2,951 |
| Loan loss allowance to noncurrent loans | 1,284.9673% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,167 |
| Noncurrent loans to loans | 0.0873% | 3,113 |
| Net loans and leases to total assets | 69.7900% | 1,646 |
| Net loans and leases to deposits | 89.5983% | 1,086 |
| Net loans and leases to core deposits | 104.4875% | 898 |
| Total domestic deposits to total assets | 77.8900% | 4,017 |
| Equity capital to assets | 8.2394% | 3,085 |
| Core capital (leverage) ratio | 10.8242% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $241,779,500 | 2,775 |
| Average earning assets | $222,078,500 | 2,785 |
| Average equity | $19,999,000 | 2,892 |
| Average total loans | $175,015,500 | 2,508 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 931 |
| Cost of funding earning assets | 0.5235% | 1,248 |
| Net interest margin | 3.8462% | 1,071 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 3.1096% | 824 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7823% | 3,389 |
| Return on assets (ROA) | 0.7853% | 3,313 |
| Pretax return on assets | 0.9317% | 3,267 |
| Return on Equity (ROE) | 8.4500% | 3,263 |
| Retained earnings to average equity (ytd only) | 8.4499% | 1,655 |
| Net charge-offs to loans | 0.0155% | 1,811 |
| Credit loss provision to net charge-offs | 80.0000% | 1,683 |
| Earnings coverage of net charge-offs (x) | 83.7600% | 1,069 |
| Efficiency ratio | 76.8440% | 933 |
| Assets per employee ($millions) | 4.7038% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 2,977 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 2,901 |
| Noncurrent loans to loans | 0.0532% | 3,370 |
| Net loans and leases to total assets | 73.4900% | 1,265 |
| Net loans and leases to deposits | 91.7081% | 927 |
| Net loans and leases to core deposits | 106.0333% | 746 |
| Total domestic deposits to total assets | 80.1400% | 3,860 |
| Equity capital to assets | 8.3056% | 2,851 |
| Core capital (leverage) ratio | 11.0312% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $223,469,600 | 2,885 |
| Average earning assets | $203,809,800 | 2,906 |
| Average equity | $20,769,400 | 2,878 |
| Average total loans | $161,529,600 | 2,528 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 819 |
| Cost of funding earning assets | 0.4399% | 1,031 |
| Net interest margin | 3.8015% | 953 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.1111% | 770 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7534% | 3,412 |
| Return on assets (ROA) | 0.7575% | 3,341 |
| Pretax return on assets | 0.8935% | 3,337 |
| Return on Equity (ROE) | 7.9300% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.9258% | 2,028 |
| Net charge-offs to loans | 0.0219% | 1,398 |
| Credit loss provision to net charge-offs | 76.9231% | 1,429 |
| Earnings coverage of net charge-offs (x) | 57.3077% | 1,199 |
| Efficiency ratio | 77.5467% | 952 |
| Assets per employee ($millions) | 4.3355% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 2,890 |
| Loan loss allowance to noncurrent loans | 4,021.2766% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 2,947 |
| Noncurrent loans to loans | 0.0281% | 3,699 |
| Net loans and leases to total assets | 72.0700% | 1,292 |
| Net loans and leases to deposits | 87.6440% | 1,057 |
| Net loans and leases to core deposits | 100.0211% | 812 |
| Total domestic deposits to total assets | 82.2300% | 3,803 |
| Equity capital to assets | 8.5911% | 2,485 |
| Core capital (leverage) ratio | 11.1659% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $220,539,250 | 2,915 |
| Average earning assets | $200,932,750 | 2,948 |
| Average equity | $21,078,250 | 2,890 |
| Average total loans | $158,227,750 | 2,560 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 678 |
| Cost of funding earning assets | 0.4009% | 911 |
| Net interest margin | 3.7695% | 802 |
| Noninterest income to average assets | 0.5675% | 1,876 |
| Noninterest expense to average assets | 3.1188% | 715 |
| Loan and lease loss provision to assets | 0.0184% | 2,274 |
| Net operating income to assets | 0.7398% | 3,178 |
| Return on assets (ROA) | 0.7533% | 3,086 |
| Pretax return on assets | 0.8793% | 3,122 |
| Return on Equity (ROE) | 7.6101% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.6101% | 1,765 |
| Net charge-offs to loans | 0.0142% | 1,482 |
| Credit loss provision to net charge-offs | 181.8182% | 1,011 |
| Earnings coverage of net charge-offs (x) | 87.1818% | 886 |
| Efficiency ratio | 77.9540% | 1,085 |
| Assets per employee ($millions) | 4.0473% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,707 |
| Loan loss allowance to noncurrent loans | 787.1901% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 2,549 |
| Noncurrent loans to loans | 0.1518% | 2,935 |
| Net loans and leases to total assets | 70.7788% | 1,225 |
| Net loans and leases to deposits | 89.6095% | 743 |
| Net loans and leases to core deposits | 99.6742% | 682 |
| Total domestic deposits to total assets | 78.9858% | 4,300 |
| Equity capital to assets | 9.1019% | 2,314 |
| Core capital (leverage) ratio | 11.4980% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,457,667 | 2,970 |
| Average earning assets | $198,064,667 | 3,008 |
| Average equity | $21,524,000 | 2,941 |
| Average total loans | $155,141,000 | 2,595 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 800 |
| Cost of funding earning assets | 0.4107% | 816 |
| Net interest margin | 3.5674% | 948 |
| Noninterest income to average assets | 0.6161% | 1,623 |
| Noninterest expense to average assets | 3.1198% | 674 |
| Loan and lease loss provision to assets | 0.0372% | 1,693 |
| Net operating income to assets | 0.6147% | 3,349 |
| Return on assets (ROA) | 0.6422% | 3,238 |
| Pretax return on assets | 0.7409% | 3,274 |
| Return on Equity (ROE) | 6.2287% | 3,277 |
| Retained earnings to average equity (ytd only) | 6.2287% | 2,166 |
| Net charge-offs to loans | -0.0706% | 4,371 |
| Credit loss provision to net charge-offs | -74.0741% | 2,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6933% | 1,095 |
| Assets per employee ($millions) | 4.0519% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,536 |
| Loan loss allowance to noncurrent loans | 581.7365% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,711 |
| Noncurrent loans to loans | 0.2170% | 2,730 |
| Net loans and leases to total assets | 70.7747% | 947 |
| Net loans and leases to deposits | 90.7673% | 471 |
| Net loans and leases to core deposits | 101.1931% | 469 |
| Total domestic deposits to total assets | 77.9738% | 4,407 |
| Equity capital to assets | 9.9656% | 1,917 |
| Core capital (leverage) ratio | 11.2528% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,885,500 | 3,003 |
| Average earning assets | $195,771,500 | 3,035 |
| Average equity | $22,155,500 | 2,976 |
| Average total loans | $152,981,500 | 2,609 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 1,006 |
| Cost of funding earning assets | 0.4772% | 1,023 |
| Net interest margin | 3.7143% | 1,179 |
| Noninterest income to average assets | 0.4465% | 2,831 |
| Noninterest expense to average assets | 2.7356% | 1,527 |
| Loan and lease loss provision to assets | 0.1359% | 898 |
| Net operating income to assets | 0.8244% | 3,258 |
| Return on assets (ROA) | 0.8368% | 3,291 |
| Pretax return on assets | 1.0053% | 3,248 |
| Return on Equity (ROE) | 8.4840% | 3,084 |
| Retained earnings to average equity (ytd only) | 8.4840% | 1,351 |
| Net charge-offs to loans | 0.0275% | 1,688 |
| Credit loss provision to net charge-offs | 681.8182% | 676 |
| Earnings coverage of net charge-offs (x) | 56.5227% | 1,219 |
| Efficiency ratio | 70.8372% | 1,638 |
| Assets per employee ($millions) | 4.3004% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,635 |
| Loan loss allowance to noncurrent loans | 674.7331% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,901 |
| Noncurrent loans to loans | 0.1848% | 3,020 |
| Net loans and leases to total assets | 69.8236% | 1,063 |
| Net loans and leases to deposits | 91.0820% | 521 |
| Net loans and leases to core deposits | 100.1661% | 529 |
| Total domestic deposits to total assets | 76.6601% | 4,482 |
| Equity capital to assets | 10.6547% | 2,043 |
| Core capital (leverage) ratio | 11.1830% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,828,600 | 2,897 |
| Average earning assets | $203,053,800 | 2,931 |
| Average equity | $21,782,200 | 3,076 |
| Average total loans | $159,989,400 | 2,542 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 1,119 |
| Cost of funding earning assets | 0.4918% | 1,088 |
| Net interest margin | 3.7033% | 1,321 |
| Noninterest income to average assets | 0.4379% | 2,895 |
| Noninterest expense to average assets | 2.6860% | 1,625 |
| Loan and lease loss provision to assets | 0.1350% | 845 |
| Net operating income to assets | 0.8797% | 3,304 |
| Return on assets (ROA) | 0.8967% | 3,332 |
| Pretax return on assets | 1.0467% | 3,332 |
| Return on Equity (ROE) | 9.2710% | 3,013 |
| Retained earnings to average equity (ytd only) | 9.2710% | 1,588 |
| Net charge-offs to loans | 0.0362% | 1,356 |
| Credit loss provision to net charge-offs | 511.3636% | 750 |
| Earnings coverage of net charge-offs (x) | 44.0227% | 1,302 |
| Efficiency ratio | 69.8051% | 1,623 |
| Assets per employee ($millions) | 4.6236% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,082 |
| Loan loss allowance to noncurrent loans | 551.8182% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 2,987 |
| Noncurrent loans to loans | 0.2136% | 3,097 |
| Net loans and leases to total assets | 70.2486% | 1,059 |
| Net loans and leases to deposits | 91.3108% | 524 |
| Net loans and leases to core deposits | 102.4832% | 508 |
| Total domestic deposits to total assets | 76.9335% | 4,495 |
| Equity capital to assets | 10.2300% | 2,678 |
| Core capital (leverage) ratio | 10.8581% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,280,250 | 2,924 |
| Average earning assets | $204,677,750 | 2,943 |
| Average equity | $21,500,250 | 3,127 |
| Average total loans | $161,978,750 | 2,564 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 1,245 |
| Cost of funding earning assets | 0.5120% | 1,135 |
| Net interest margin | 3.6489% | 1,469 |
| Noninterest income to average assets | 0.4180% | 3,018 |
| Noninterest expense to average assets | 2.6463% | 1,741 |
| Loan and lease loss provision to assets | 0.1340% | 917 |
| Net operating income to assets | 0.8602% | 3,334 |
| Return on assets (ROA) | 0.8610% | 3,410 |
| Pretax return on assets | 0.9994% | 3,448 |
| Return on Equity (ROE) | 9.0701% | 3,074 |
| Retained earnings to average equity (ytd only) | 9.0701% | 1,685 |
| Net charge-offs to loans | -0.0438% | 4,307 |
| Credit loss provision to net charge-offs | -416.6667% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0307% | 1,629 |
| Assets per employee ($millions) | 4.8373% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,407 |
| Loan loss allowance to noncurrent loans | 537.0588% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 3,236 |
| Noncurrent loans to loans | 0.2051% | 3,222 |
| Net loans and leases to total assets | 73.6910% | 789 |
| Net loans and leases to deposits | 97.5328% | 331 |
| Net loans and leases to core deposits | 109.5738% | 370 |
| Total domestic deposits to total assets | 75.5551% | 4,587 |
| Equity capital to assets | 9.7395% | 3,105 |
| Core capital (leverage) ratio | 10.5890% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,936,667 | 2,910 |
| Average earning assets | $206,251,667 | 2,931 |
| Average equity | $21,256,667 | 3,148 |
| Average total loans | $164,478,667 | 2,560 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2508% | 1,115 |
| Cost of funding earning assets | 0.5509% | 1,097 |
| Net interest margin | 3.6999% | 1,331 |
| Noninterest income to average assets | 0.4362% | 2,889 |
| Noninterest expense to average assets | 2.6815% | 1,665 |
| Loan and lease loss provision to assets | 0.1335% | 1,016 |
| Net operating income to assets | 0.8852% | 3,164 |
| Return on assets (ROA) | 0.8760% | 3,275 |
| Pretax return on assets | 1.0185% | 3,321 |
| Return on Equity (ROE) | 9.3496% | 2,908 |
| Retained earnings to average equity (ytd only) | 9.3496% | 1,842 |
| Net charge-offs to loans | -0.0879% | 4,596 |
| Credit loss provision to net charge-offs | -208.3333% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7545% | 1,735 |
| Assets per employee ($millions) | 4.8231% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,611 |
| Loan loss allowance to noncurrent loans | 515.0000% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 2,550 |
| Noncurrent loans to loans | 0.2061% | 3,368 |
| Net loans and leases to total assets | 72.0180% | 1,025 |
| Net loans and leases to deposits | 97.2039% | 367 |
| Net loans and leases to core deposits | 109.3939% | 429 |
| Total domestic deposits to total assets | 74.0896% | 4,666 |
| Equity capital to assets | 9.3032% | 3,384 |
| Core capital (leverage) ratio | 10.3896% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,646,500 | 2,900 |
| Average earning assets | $206,924,500 | 2,916 |
| Average equity | $21,049,000 | 3,155 |
| Average total loans | $163,817,500 | 2,561 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,001 |
| Cost of funding earning assets | 0.9033% | 846 |
| Net interest margin | 3.3460% | 2,937 |
| Noninterest income to average assets | 0.3825% | 3,197 |
| Noninterest expense to average assets | 2.6312% | 2,448 |
| Loan and lease loss provision to assets | 0.3277% | 1,102 |
| Net operating income to assets | 0.4473% | 4,145 |
| Return on assets (ROA) | 0.4664% | 4,184 |
| Pretax return on assets | 0.5387% | 4,203 |
| Return on Equity (ROE) | 5.2395% | 3,836 |
| Retained earnings to average equity (ytd only) | 5.2395% | 2,169 |
| Net charge-offs to loans | 0.1974% | 872 |
| Credit loss provision to net charge-offs | 220.5438% | 2,065 |
| Earnings coverage of net charge-offs (x) | 5.6828% | 2,847 |
| Efficiency ratio | 75.7040% | 1,269 |
| Assets per employee ($millions) | 4.5430% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,837 |
| Loan loss allowance to noncurrent loans | 294.4345% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 1,898 |
| Noncurrent loans to loans | 0.3425% | 2,980 |
| Net loans and leases to total assets | 72.3200% | 1,254 |
| Net loans and leases to deposits | 100.4167% | 361 |
| Net loans and leases to core deposits | 114.2997% | 401 |
| Total domestic deposits to total assets | 72.0199% | 4,709 |
| Equity capital to assets | 9.4377% | 3,672 |
| Core capital (leverage) ratio | 10.2471% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,747,200 | 2,775 |
| Average earning assets | $205,917,800 | 2,780 |
| Average equity | $19,830,000 | 3,205 |
| Average total loans | $167,716,600 | 2,506 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 2,375 |
| Cost of funding earning assets | 0.9730% | 839 |
| Net interest margin | 3.2380% | 3,374 |
| Noninterest income to average assets | 0.3705% | 3,237 |
| Noninterest expense to average assets | 2.5794% | 2,602 |
| Loan and lease loss provision to assets | 0.3111% | 1,286 |
| Net operating income to assets | 0.4112% | 4,242 |
| Return on assets (ROA) | 0.4273% | 4,275 |
| Pretax return on assets | 0.4937% | 4,292 |
| Return on Equity (ROE) | 4.8731% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.8731% | 2,622 |
| Net charge-offs to loans | 0.1625% | 909 |
| Credit loss provision to net charge-offs | 252.4272% | 1,913 |
| Earnings coverage of net charge-offs (x) | 6.3786% | 2,652 |
| Efficiency ratio | 76.6358% | 1,144 |
| Assets per employee ($millions) | 5.3764% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,031 |
| Loan loss allowance to noncurrent loans | 160.6405% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 1,445 |
| Noncurrent loans to loans | 0.5688% | 2,376 |
| Net loans and leases to total assets | 72.9376% | 1,515 |
| Net loans and leases to deposits | 103.1435% | 412 |
| Net loans and leases to core deposits | 117.6783% | 466 |
| Total domestic deposits to total assets | 70.7147% | 4,735 |
| Equity capital to assets | 8.8120% | 4,247 |
| Core capital (leverage) ratio | 10.0756% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,782,000 | 2,754 |
| Average earning assets | $206,092,000 | 2,758 |
| Average equity | $19,535,250 | 3,232 |
| Average total loans | $168,988,250 | 2,498 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 2,554 |
| Cost of funding earning assets | 1.0656% | 801 |
| Net interest margin | 3.2018% | 3,665 |
| Noninterest income to average assets | 0.3282% | 3,504 |
| Noninterest expense to average assets | 2.6820% | 2,439 |
| Loan and lease loss provision to assets | 0.2364% | 1,788 |
| Net operating income to assets | 0.3142% | 4,392 |
| Return on assets (ROA) | 0.3409% | 4,406 |
| Pretax return on assets | 0.4055% | 4,402 |
| Return on Equity (ROE) | 3.8948% | 4,137 |
| Retained earnings to average equity (ytd only) | 3.8948% | 2,961 |
| Net charge-offs to loans | 0.0807% | 1,441 |
| Credit loss provision to net charge-offs | 382.3529% | 1,442 |
| Earnings coverage of net charge-offs (x) | 9.8676% | 2,192 |
| Efficiency ratio | 81.4692% | 793 |
| Assets per employee ($millions) | 5.0601% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 4,306 |
| Loan loss allowance to noncurrent loans | 63.4632% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 1,279 |
| Noncurrent loans to loans | 1.2861% | 1,214 |
| Net loans and leases to total assets | 73.2232% | 1,523 |
| Net loans and leases to deposits | 105.8652% | 320 |
| Net loans and leases to core deposits | 124.6220% | 340 |
| Total domestic deposits to total assets | 69.1664% | 4,816 |
| Equity capital to assets | 8.3679% | 4,553 |
| Core capital (leverage) ratio | 9.8313% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,981,333 | 2,755 |
| Average earning assets | $203,637,333 | 2,752 |
| Average equity | $19,256,333 | 3,249 |
| Average total loans | $168,592,667 | 2,481 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 2,597 |
| Cost of funding earning assets | 1.1880% | 805 |
| Net interest margin | 3.2192% | 3,807 |
| Noninterest income to average assets | 0.3165% | 3,619 |
| Noninterest expense to average assets | 2.7215% | 2,652 |
| Loan and lease loss provision to assets | 0.1516% | 1,879 |
| Net operating income to assets | 0.3512% | 4,241 |
| Return on assets (ROA) | 0.3544% | 4,267 |
| Pretax return on assets | 0.4207% | 4,259 |
| Return on Equity (ROE) | 3.9506% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.9506% | 2,701 |
| Net charge-offs to loans | 0.0533% | 1,477 |
| Credit loss provision to net charge-offs | 363.6364% | 1,059 |
| Earnings coverage of net charge-offs (x) | 13.6364% | 1,640 |
| Efficiency ratio | 82.7189% | 918 |
| Assets per employee ($millions) | 4.5069% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,439 |
| Loan loss allowance to noncurrent loans | 61.7395% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 1,330 |
| Noncurrent loans to loans | 1.2787% | 1,278 |
| Net loans and leases to total assets | 77.0646% | 1,123 |
| Net loans and leases to deposits | 105.3691% | 315 |
| Net loans and leases to core deposits | 129.2330% | 281 |
| Total domestic deposits to total assets | 73.1377% | 4,718 |
| Equity capital to assets | 8.8658% | 4,668 |
| Core capital (leverage) ratio | 10.1519% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7495% | 1,410 |
| Memoranda: | ||
| Average total assets | $211,059,500 | 2,780 |
| Average earning assets | $194,956,500 | 2,785 |
| Average equity | $18,934,000 | 3,280 |
| Average total loans | $165,101,000 | 2,487 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 2,648 |
| Cost of funding earning assets | 1.3633% | 627 |
| Net interest margin | 3.2277% | 4,132 |
| Noninterest income to average assets | 0.3586% | 3,556 |
| Noninterest expense to average assets | 2.5091% | 3,426 |
| Loan and lease loss provision to assets | 0.1186% | 1,782 |
| Net operating income to assets | 0.6168% | 4,109 |
| Return on assets (ROA) | 0.6196% | 4,166 |
| Pretax return on assets | 0.7420% | 4,105 |
| Return on Equity (ROE) | 7.1162% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.1162% | 1,347 |
| Net charge-offs to loans | 0.1448% | 1,357 |
| Credit loss provision to net charge-offs | 102.9661% | 2,410 |
| Earnings coverage of net charge-offs (x) | 7.4449% | 2,877 |
| Efficiency ratio | 74.5362% | 1,543 |
| Assets per employee ($millions) | 4.8906% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 4,456 |
| Loan loss allowance to noncurrent loans | 63.9361% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 1,374 |
| Noncurrent loans to loans | 1.1717% | 1,294 |
| Net loans and leases to total assets | 78.1858% | 1,051 |
| Net loans and leases to deposits | 105.0943% | 331 |
| Net loans and leases to core deposits | 131.6097% | 255 |
| Total domestic deposits to total assets | 74.3958% | 4,745 |
| Equity capital to assets | 9.0768% | 4,644 |
| Core capital (leverage) ratio | 10.0953% | 3,415 |
| Tier 1 risk-based capital ratio | 15.4193% | 2,612 |
| Total risk-based capital ratio | 16.3225% | 2,682 |
| Memoranda: | ||
| Average total assets | $204,974,800 | 2,803 |
| Average earning assets | $191,000,400 | 2,790 |
| Average equity | $17,846,600 | 3,353 |
| Average total loans | $162,994,000 | 2,475 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 2,742 |
| Cost of funding earning assets | 1.3816% | 608 |
| Net interest margin | 3.2136% | 4,267 |
| Noninterest income to average assets | 0.3522% | 3,617 |
| Noninterest expense to average assets | 2.5063% | 3,419 |
| Loan and lease loss provision to assets | 0.0818% | 2,273 |
| Net operating income to assets | 0.6364% | 4,195 |
| Return on assets (ROA) | 0.6397% | 4,234 |
| Pretax return on assets | 0.7680% | 4,197 |
| Return on Equity (ROE) | 7.4282% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.4282% | 1,660 |
| Net charge-offs to loans | 0.1446% | 1,121 |
| Credit loss provision to net charge-offs | 71.0227% | 2,607 |
| Earnings coverage of net charge-offs (x) | 7.3409% | 2,752 |
| Efficiency ratio | 74.7656% | 1,470 |
| Assets per employee ($millions) | 5.1343% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 4,633 |
| Loan loss allowance to noncurrent loans | 159.4340% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,095 |
| Noncurrent loans to loans | 0.4442% | 2,978 |
| Net loans and leases to total assets | 78.7842% | 1,020 |
| Net loans and leases to deposits | 110.8944% | 205 |
| Net loans and leases to core deposits | 129.1281% | 304 |
| Total domestic deposits to total assets | 71.0443% | 4,956 |
| Equity capital to assets | 8.7061% | 4,924 |
| Core capital (leverage) ratio | 10.0511% | 3,594 |
| Tier 1 risk-based capital ratio | 15.3324% | 2,696 |
| Total risk-based capital ratio | 16.2007% | 2,803 |
| Memoranda: | ||
| Average total assets | $203,645,000 | 2,832 |
| Average earning assets | $190,106,250 | 2,818 |
| Average equity | $17,536,250 | 3,408 |
| Average total loans | $162,327,250 | 2,510 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 2,716 |
| Cost of funding earning assets | 1.3833% | 571 |
| Net interest margin | 3.2043% | 4,364 |
| Noninterest income to average assets | 0.3417% | 3,650 |
| Noninterest expense to average assets | 2.5040% | 3,465 |
| Loan and lease loss provision to assets | 0.0894% | 2,056 |
| Net operating income to assets | 0.6200% | 4,250 |
| Return on assets (ROA) | 0.6208% | 4,291 |
| Pretax return on assets | 0.7449% | 4,227 |
| Return on Equity (ROE) | 7.2369% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.2369% | 1,708 |
| Net charge-offs to loans | 0.2103% | 789 |
| Credit loss provision to net charge-offs | 53.2544% | 2,445 |
| Earnings coverage of net charge-offs (x) | 4.9645% | 2,697 |
| Efficiency ratio | 75.0298% | 1,513 |
| Assets per employee ($millions) | 5.0355% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 4,717 |
| Loan loss allowance to noncurrent loans | 181.6038% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 2,850 |
| Noncurrent loans to loans | 0.3850% | 3,150 |
| Net loans and leases to total assets | 79.4472% | 977 |
| Net loans and leases to deposits | 107.1689% | 298 |
| Net loans and leases to core deposits | 126.7734% | 370 |
| Total domestic deposits to total assets | 74.1327% | 4,826 |
| Equity capital to assets | 8.6629% | 4,971 |
| Core capital (leverage) ratio | 10.0752% | 3,518 |
| Tier 1 risk-based capital ratio | 15.4546% | 2,638 |
| Total risk-based capital ratio | 16.3240% | 2,722 |
| Memoranda: | ||
| Average total assets | $201,357,330 | 2,863 |
| Average earning assets | $188,247,330 | 2,841 |
| Average equity | $17,272,670 | 3,435 |
| Average total loans | $160,759,670 | 2,528 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 2,660 |
| Cost of funding earning assets | 1.3614% | 525 |
| Net interest margin | 3.2002% | 4,384 |
| Noninterest income to average assets | 0.3481% | 3,530 |
| Noninterest expense to average assets | 2.6598% | 3,033 |
| Loan and lease loss provision to assets | 0.0704% | 2,251 |
| Net operating income to assets | 0.5090% | 4,494 |
| Return on assets (ROA) | 0.5090% | 4,517 |
| Pretax return on assets | 0.6116% | 4,489 |
| Return on Equity (ROE) | 5.9647% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.9647% | 2,468 |
| Net charge-offs to loans | 0.4264% | 357 |
| Credit loss provision to net charge-offs | 20.7101% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.0059% | 2,537 |
| Efficiency ratio | 79.5906% | 1,097 |
| Assets per employee ($millions) | 4.7025% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 4,802 |
| Loan loss allowance to noncurrent loans | 182.4212% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 2,958 |
| Noncurrent loans to loans | 0.3741% | 3,244 |
| Net loans and leases to total assets | 79.1723% | 965 |
| Net loans and leases to deposits | 106.3628% | 312 |
| Net loans and leases to core deposits | 126.6801% | 364 |
| Total domestic deposits to total assets | 74.4361% | 4,901 |
| Equity capital to assets | 8.5175% | 4,978 |
| Core capital (leverage) ratio | 10.1590% | 3,430 |
| Tier 1 risk-based capital ratio | 15.6673% | 2,577 |
| Total risk-based capital ratio | 16.5225% | 2,670 |
| Memoranda: | ||
| Average total assets | $198,809,000 | 2,913 |
| Average earning assets | $185,988,000 | 2,894 |
| Average equity | $16,966,500 | 3,479 |
| Average total loans | $158,551,000 | 2,577 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 2,824 |
| Cost of funding earning assets | 1.1085% | 477 |
| Net interest margin | 3.2720% | 4,332 |
| Noninterest income to average assets | 0.3198% | 3,969 |
| Noninterest expense to average assets | 2.7789% | 2,757 |
| Loan and lease loss provision to assets | 0.0054% | 4,008 |
| Net operating income to assets | 0.5146% | 4,630 |
| Return on assets (ROA) | 0.5146% | 4,628 |
| Pretax return on assets | 0.6224% | 4,595 |
| Return on Equity (ROE) | 6.0336% | 4,162 |
| Retained earnings to average equity (ytd only) | 6.0336% | 2,176 |
| Net charge-offs to loans | 0.0115% | 3,292 |
| Credit loss provision to net charge-offs | 58.8235% | 3,115 |
| Earnings coverage of net charge-offs (x) | 68.8235% | 944 |
| Efficiency ratio | 81.5719% | 835 |
| Assets per employee ($millions) | 4.2481% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 4,563 |
| Loan loss allowance to noncurrent loans | 101.6474% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 2,184 |
| Noncurrent loans to loans | 0.7787% | 2,060 |
| Net loans and leases to total assets | 79.1542% | 1,067 |
| Net loans and leases to deposits | 103.7753% | 489 |
| Net loans and leases to core deposits | 124.5699% | 426 |
| Total domestic deposits to total assets | 76.2746% | 4,721 |
| Equity capital to assets | 8.5512% | 4,896 |
| Core capital (leverage) ratio | 10.2749% | 3,279 |
| Tier 1 risk-based capital ratio | 16.4833% | 2,246 |
| Total risk-based capital ratio | 17.5057% | 2,267 |
| Memoranda: | ||
| Average total assets | $186,365,400 | 2,995 |
| Average earning assets | $175,823,800 | 2,969 |
| Average equity | $15,894,400 | 3,523 |
| Average total loans | $148,405,600 | 2,665 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,832 |
| Cost of funding earning assets | 1.0510% | 480 |
| Net interest margin | 3.2834% | 4,331 |
| Noninterest income to average assets | 0.3143% | 4,051 |
| Noninterest expense to average assets | 2.8910% | 2,327 |
| Loan and lease loss provision to assets | 0.0072% | 3,829 |
| Net operating income to assets | 0.4381% | 4,881 |
| Return on assets (ROA) | 0.4381% | 4,889 |
| Pretax return on assets | 0.5178% | 4,877 |
| Return on Equity (ROE) | 5.1410% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.1410% | 3,165 |
| Net charge-offs to loans | 0.0146% | 2,900 |
| Credit loss provision to net charge-offs | 62.5000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 45.3183% | 1,246 |
| Efficiency ratio | 84.6301% | 610 |
| Assets per employee ($millions) | 4.1882% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 4,582 |
| Loan loss allowance to noncurrent loans | 188.9740% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,318 |
| Noncurrent loans to loans | 0.4282% | 3,123 |
| Net loans and leases to total assets | 78.5179% | 1,251 |
| Net loans and leases to deposits | 106.4067% | 424 |
| Net loans and leases to core deposits | 126.8924% | 397 |
| Total domestic deposits to total assets | 73.7903% | 4,997 |
| Equity capital to assets | 8.2540% | 5,056 |
| Core capital (leverage) ratio | 10.4088% | 3,176 |
| Tier 1 risk-based capital ratio | 16.4964% | 2,273 |
| Total risk-based capital ratio | 17.5383% | 2,279 |
| Memoranda: | ||
| Average total assets | $184,104,000 | 3,039 |
| Average earning assets | $173,923,000 | 3,010 |
| Average equity | $15,690,500 | 3,568 |
| Average total loans | $146,529,500 | 2,700 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 2,718 |
| Cost of funding earning assets | 1.0230% | 420 |
| Net interest margin | 3.2895% | 4,277 |
| Noninterest income to average assets | 0.3068% | 4,121 |
| Noninterest expense to average assets | 2.9042% | 2,347 |
| Loan and lease loss provision to assets | 0.0110% | 3,635 |
| Net operating income to assets | 0.4028% | 4,957 |
| Return on assets (ROA) | 0.4028% | 4,963 |
| Pretax return on assets | 0.5032% | 4,899 |
| Return on Equity (ROE) | 4.6758% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.6758% | 3,247 |
| Net charge-offs to loans | 0.0125% | 2,716 |
| Credit loss provision to net charge-offs | 111.1111% | 1,880 |
| Earnings coverage of net charge-offs (x) | 51.7778% | 1,104 |
| Efficiency ratio | 84.9580% | 627 |
| Assets per employee ($millions) | 4.2086% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,563 |
| Loan loss allowance to noncurrent loans | 175.7790% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 3,215 |
| Noncurrent loans to loans | 0.4814% | 2,995 |
| Net loans and leases to total assets | 78.5263% | 1,242 |
| Net loans and leases to deposits | 105.0186% | 481 |
| Net loans and leases to core deposits | 123.1454% | 483 |
| Total domestic deposits to total assets | 74.7737% | 4,968 |
| Equity capital to assets | 8.4890% | 4,952 |
| Core capital (leverage) ratio | 10.4856% | 3,044 |
| Tier 1 risk-based capital ratio | 17.1249% | 2,059 |
| Total risk-based capital ratio | 18.2266% | 2,050 |
| Memoranda: | ||
| Average total assets | $181,252,670 | 3,080 |
| Average earning assets | $171,456,330 | 3,048 |
| Average equity | $15,612,330 | 3,600 |
| Average total loans | $144,537,670 | 2,735 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 2,911 |
| Cost of funding earning assets | 0.9947% | 375 |
| Net interest margin | 3.1963% | 4,471 |
| Noninterest income to average assets | 0.3123% | 4,067 |
| Noninterest expense to average assets | 2.8780% | 2,452 |
| Loan and lease loss provision to assets | 0.0223% | 3,239 |
| Net operating income to assets | 0.3614% | 4,995 |
| Return on assets (ROA) | 0.3614% | 5,001 |
| Pretax return on assets | 0.4373% | 4,976 |
| Return on Equity (ROE) | 4.1649% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.1649% | 3,524 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2299% | 629 |
| Assets per employee ($millions) | 4.1438% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,580 |
| Loan loss allowance to noncurrent loans | 130.1769% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 2,764 |
| Noncurrent loans to loans | 0.6648% | 2,556 |
| Net loans and leases to total assets | 78.5990% | 1,144 |
| Net loans and leases to deposits | 100.2680% | 683 |
| Net loans and leases to core deposits | 120.6499% | 572 |
| Total domestic deposits to total assets | 78.3889% | 4,668 |
| Equity capital to assets | 8.5143% | 4,968 |
| Core capital (leverage) ratio | 10.6598% | 2,781 |
| Tier 1 risk-based capital ratio | 17.3319% | 2,023 |
| Total risk-based capital ratio | 18.4682% | 2,005 |
| Memoranda: | ||
| Average total assets | $179,289,000 | 3,134 |
| Average earning assets | $169,696,500 | 3,101 |
| Average equity | $15,558,500 | 3,641 |
| Average total loans | $143,478,500 | 2,769 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 2,595 |
| Cost of funding earning assets | 0.8942% | 387 |
| Net interest margin | 3.3316% | 4,065 |
| Noninterest income to average assets | 0.3818% | 3,751 |
| Noninterest expense to average assets | 2.9213% | 2,385 |
| Loan and lease loss provision to assets | 0.1051% | 2,135 |
| Net operating income to assets | 0.0792% | 5,276 |
| Return on assets (ROA) | 0.0800% | 5,283 |
| Pretax return on assets | 0.4997% | 4,933 |
| Return on Equity (ROE) | 1.1185% | 5,222 |
| Retained earnings to average equity (ytd only) | 1.1185% | 4,580 |
| Net charge-offs to loans | 0.0787% | 2,320 |
| Credit loss provision to net charge-offs | 165.1376% | 1,627 |
| Earnings coverage of net charge-offs (x) | 9.4862% | 2,780 |
| Efficiency ratio | 82.8751% | 864 |
| Assets per employee ($millions) | 4.4015% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 4,590 |
| Loan loss allowance to noncurrent loans | 105.4376% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 2,308 |
| Noncurrent loans to loans | 0.8266% | 2,154 |
| Net loans and leases to total assets | 80.1751% | 934 |
| Net loans and leases to deposits | 104.4803% | 474 |
| Net loans and leases to core deposits | 121.2481% | 548 |
| Total domestic deposits to total assets | 76.7370% | 4,894 |
| Equity capital to assets | 8.6107% | 5,027 |
| Core capital (leverage) ratio | 10.4544% | 2,896 |
| Tier 1 risk-based capital ratio | 17.0235% | 2,084 |
| Total risk-based capital ratio | 18.1667% | 2,062 |
| Memoranda: | ||
| Average total assets | $171,295,000 | 3,232 |
| Average earning assets | $161,603,200 | 3,183 |
| Average equity | $12,248,400 | 4,102 |
| Average total loans | $138,588,000 | 2,802 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 2,695 |
| Cost of funding earning assets | 0.8710% | 412 |
| Net interest margin | 3.3067% | 4,155 |
| Noninterest income to average assets | 0.3778% | 3,826 |
| Noninterest expense to average assets | 2.9221% | 2,331 |
| Loan and lease loss provision to assets | 0.1176% | 1,843 |
| Net operating income to assets | 0.3623% | 5,076 |
| Return on assets (ROA) | 0.3629% | 5,095 |
| Pretax return on assets | 0.4546% | 5,108 |
| Return on Equity (ROE) | 5.3584% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.3584% | 2,638 |
| Net charge-offs to loans | 0.1056% | 1,736 |
| Credit loss provision to net charge-offs | 137.6147% | 1,795 |
| Earnings coverage of net charge-offs (x) | 6.6881% | 2,954 |
| Efficiency ratio | 83.6437% | 784 |
| Assets per employee ($millions) | 4.5724% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,754 |
| Loan loss allowance to noncurrent loans | 152.7112% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 3,258 |
| Noncurrent loans to loans | 0.5575% | 3,025 |
| Net loans and leases to total assets | 79.0853% | 1,113 |
| Net loans and leases to deposits | 98.4262% | 875 |
| Net loans and leases to core deposits | 114.2029% | 828 |
| Total domestic deposits to total assets | 80.3498% | 4,240 |
| Equity capital to assets | 6.6166% | 5,683 |
| Core capital (leverage) ratio | 8.1055% | 5,472 |
| Tier 1 risk-based capital ratio | 13.6001% | 3,637 |
| Total risk-based capital ratio | 14.7740% | 3,601 |
| Memoranda: | ||
| Average total assets | $170,103,500 | 3,275 |
| Average earning assets | $160,277,250 | 3,223 |
| Average equity | $11,520,500 | 4,268 |
| Average total loans | $137,635,500 | 2,832 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 2,520 |
| Cost of funding earning assets | 0.8375% | 426 |
| Net interest margin | 3.3502% | 3,948 |
| Noninterest income to average assets | 0.3716% | 3,897 |
| Noninterest expense to average assets | 3.0425% | 1,999 |
| Loan and lease loss provision to assets | 0.1076% | 1,891 |
| Net operating income to assets | 0.3062% | 5,207 |
| Return on assets (ROA) | 0.3071% | 5,225 |
| Pretax return on assets | 0.3824% | 5,205 |
| Return on Equity (ROE) | 4.4979% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.4979% | 3,030 |
| Net charge-offs to loans | 0.1837% | 1,082 |
| Credit loss provision to net charge-offs | 72.0000% | 2,356 |
| Earnings coverage of net charge-offs (x) | 3.2720% | 3,069 |
| Efficiency ratio | 86.1591% | 681 |
| Assets per employee ($millions) | 4.4147% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 4,909 |
| Loan loss allowance to noncurrent loans | 99.1266% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 2,345 |
| Noncurrent loans to loans | 0.8224% | 2,346 |
| Net loans and leases to total assets | 80.2018% | 920 |
| Net loans and leases to deposits | 99.4942% | 772 |
| Net loans and leases to core deposits | 116.0895% | 707 |
| Total domestic deposits to total assets | 80.6095% | 4,282 |
| Equity capital to assets | 6.5255% | 5,733 |
| Core capital (leverage) ratio | 8.1647% | 5,449 |
| Tier 1 risk-based capital ratio | 13.9484% | 3,449 |
| Total risk-based capital ratio | 15.0946% | 3,430 |
| Memoranda: | ||
| Average total assets | $167,363,330 | 3,316 |
| Average earning assets | $157,842,330 | 3,273 |
| Average equity | $11,427,670 | 4,288 |
| Average total loans | $136,101,000 | 2,853 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 2,394 |
| Cost of funding earning assets | 0.7815% | 546 |
| Net interest margin | 3.3855% | 3,695 |
| Noninterest income to average assets | 0.3600% | 3,957 |
| Noninterest expense to average assets | 2.7496% | 2,951 |
| Loan and lease loss provision to assets | 0.0966% | 1,941 |
| Net operating income to assets | 0.6453% | 3,951 |
| Return on assets (ROA) | 0.6475% | 3,978 |
| Pretax return on assets | 0.6983% | 4,455 |
| Return on Equity (ROE) | 8.7739% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.7739% | 1,154 |
| Net charge-offs to loans | 0.3716% | 492 |
| Credit loss provision to net charge-offs | 32.0000% | 2,104 |
| Earnings coverage of net charge-offs (x) | 2.6240% | 2,570 |
| Efficiency ratio | 77.6262% | 1,683 |
| Assets per employee ($millions) | 4.3207% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 5,064 |
| Loan loss allowance to noncurrent loans | 114.4515% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 2,716 |
| Noncurrent loans to loans | 0.6997% | 2,745 |
| Net loans and leases to total assets | 79.7595% | 861 |
| Net loans and leases to deposits | 99.6996% | 634 |
| Net loans and leases to core deposits | 117.5490% | 538 |
| Total domestic deposits to total assets | 79.9999% | 4,618 |
| Equity capital to assets | 7.3426% | 5,714 |
| Core capital (leverage) ratio | 8.4594% | 5,254 |
| Tier 1 risk-based capital ratio | 14.4651% | 3,225 |
| Total risk-based capital ratio | 15.5876% | 3,208 |
| Memoranda: | ||
| Average total assets | $165,551,000 | 3,363 |
| Average earning assets | $155,606,500 | 3,328 |
| Average equity | $12,218,000 | 4,176 |
| Average total loans | $134,541,500 | 2,895 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 2,559 |
| Cost of funding earning assets | 0.7094% | 783 |
| Net interest margin | 3.4697% | 3,544 |
| Noninterest income to average assets | 0.4803% | 3,348 |
| Noninterest expense to average assets | 3.1871% | 1,822 |
| Loan and lease loss provision to assets | 0.1664% | 1,478 |
| Net operating income to assets | 0.3399% | 5,110 |
| Return on assets (ROA) | 0.3961% | 5,036 |
| Pretax return on assets | 0.4608% | 5,102 |
| Return on Equity (ROE) | 5.0210% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.0210% | 2,331 |
| Net charge-offs to loans | 0.2470% | 1,121 |
| Credit loss provision to net charge-offs | 83.7288% | 2,913 |
| Earnings coverage of net charge-offs (x) | 2.8271% | 3,767 |
| Efficiency ratio | 85.0135% | 906 |
| Assets per employee ($millions) | 4.0648% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,875 |
| Loan loss allowance to noncurrent loans | 69.0673% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 1,787 |
| Noncurrent loans to loans | 1.2680% | 1,616 |
| Net loans and leases to total assets | 81.4463% | 679 |
| Net loans and leases to deposits | 108.3904% | 264 |
| Net loans and leases to core deposits | 120.1568% | 480 |
| Total domestic deposits to total assets | 75.1416% | 5,335 |
| Equity capital to assets | 7.4191% | 5,728 |
| Core capital (leverage) ratio | 8.6478% | 5,121 |
| Tier 1 risk-based capital ratio | 14.4834% | 3,204 |
| Total risk-based capital ratio | 15.7190% | 3,138 |
| Memoranda: | ||
| Average total assets | $148,441,000 | 3,548 |
| Average earning assets | $139,839,200 | 3,497 |
| Average equity | $11,710,800 | 4,295 |
| Average total loans | $119,436,000 | 3,076 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,516 |
| Cost of funding earning assets | 0.6950% | 838 |
| Net interest margin | 3.5044% | 3,447 |
| Noninterest income to average assets | 0.5254% | 3,075 |
| Noninterest expense to average assets | 3.2490% | 1,684 |
| Loan and lease loss provision to assets | 0.1914% | 1,136 |
| Net operating income to assets | 0.2722% | 5,345 |
| Return on assets (ROA) | 0.3340% | 5,278 |
| Pretax return on assets | 0.4766% | 5,179 |
| Return on Equity (ROE) | 4.1642% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.1642% | 3,355 |
| Net charge-offs to loans | 0.1622% | 1,405 |
| Credit loss provision to net charge-offs | 147.5177% | 1,792 |
| Earnings coverage of net charge-offs (x) | 4.4680% | 3,265 |
| Efficiency ratio | 84.8594% | 917 |
| Assets per employee ($millions) | 3.9598% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 4,283 |
| Loan loss allowance to noncurrent loans | 85.5526% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 1,732 |
| Noncurrent loans to loans | 1.1950% | 1,879 |
| Net loans and leases to total assets | 80.5580% | 809 |
| Net loans and leases to deposits | 105.5002% | 390 |
| Net loans and leases to core deposits | 116.1290% | 654 |
| Total domestic deposits to total assets | 76.3582% | 5,185 |
| Equity capital to assets | 7.6389% | 5,823 |
| Core capital (leverage) ratio | 8.9590% | 4,870 |
| Tier 1 risk-based capital ratio | 15.5996% | 2,794 |
| Total risk-based capital ratio | 16.8544% | 2,723 |
| Memoranda: | ||
| Average total assets | $144,903,000 | 3,607 |
| Average earning assets | $136,586,750 | 3,561 |
| Average equity | $11,622,750 | 4,353 |
| Average total loans | $115,896,000 | 3,138 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,639 |
| Cost of funding earning assets | 0.6780% | 905 |
| Net interest margin | 3.4824% | 3,553 |
| Noninterest income to average assets | 0.3669% | 4,129 |
| Noninterest expense to average assets | 3.2923% | 1,606 |
| Loan and lease loss provision to assets | 0.0508% | 3,130 |
| Net operating income to assets | 0.2161% | 5,493 |
| Return on assets (ROA) | 0.3076% | 5,392 |
| Pretax return on assets | 0.4473% | 5,251 |
| Return on Equity (ROE) | 3.7701% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.7701% | 3,493 |
| Net charge-offs to loans | 0.1083% | 1,742 |
| Credit loss provision to net charge-offs | 59.0164% | 2,591 |
| Earnings coverage of net charge-offs (x) | 4.2459% | 3,005 |
| Efficiency ratio | 90.0077% | 603 |
| Assets per employee ($millions) | 3.7472% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,508 |
| Loan loss allowance to noncurrent loans | 72.6111% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 1,876 |
| Noncurrent loans to loans | 1.3795% | 1,621 |
| Net loans and leases to total assets | 80.6829% | 796 |
| Net loans and leases to deposits | 102.0848% | 556 |
| Net loans and leases to core deposits | 110.9282% | 876 |
| Total domestic deposits to total assets | 79.0352% | 4,778 |
| Equity capital to assets | 8.0238% | 5,800 |
| Core capital (leverage) ratio | 9.2077% | 4,581 |
| Tier 1 risk-based capital ratio | 15.9363% | 2,672 |
| Total risk-based capital ratio | 17.1904% | 2,606 |
| Memoranda: | ||
| Average total assets | $141,726,000 | 3,679 |
| Average earning assets | $133,930,670 | 3,631 |
| Average equity | $11,564,670 | 4,388 |
| Average total loans | $112,630,000 | 3,196 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,405 |
| Cost of funding earning assets | 0.6372% | 1,116 |
| Net interest margin | 3.5818% | 3,154 |
| Noninterest income to average assets | 0.4358% | 3,571 |
| Noninterest expense to average assets | 3.3286% | 1,534 |
| Loan and lease loss provision to assets | 0.0373% | 3,164 |
| Net operating income to assets | 0.3437% | 5,169 |
| Return on assets (ROA) | 0.3584% | 5,200 |
| Pretax return on assets | 0.4903% | 5,111 |
| Return on Equity (ROE) | 4.3539% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.3539% | 3,301 |
| Net charge-offs to loans | 0.0987% | 1,538 |
| Credit loss provision to net charge-offs | 48.1481% | 2,066 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,236 |
| Efficiency ratio | 86.7713% | 907 |
| Assets per employee ($millions) | 3.5255% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 4,234 |
| Loan loss allowance to noncurrent loans | 83.6111% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 2,164 |
| Noncurrent loans to loans | 1.2782% | 1,886 |
| Net loans and leases to total assets | 79.0343% | 945 |
| Net loans and leases to deposits | 99.8423% | 632 |
| Net loans and leases to core deposits | 109.8588% | 861 |
| Total domestic deposits to total assets | 79.1591% | 4,931 |
| Equity capital to assets | 8.2321% | 5,723 |
| Core capital (leverage) ratio | 9.5267% | 4,140 |
| Tier 1 risk-based capital ratio | 16.7169% | 2,390 |
| Total risk-based capital ratio | 17.9696% | 2,337 |
| Memoranda: | ||
| Average total assets | $139,519,000 | 3,753 |
| Average earning assets | $132,448,500 | 3,676 |
| Average equity | $11,484,000 | 4,419 |
| Average total loans | $109,393,500 | 3,248 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,108 |
| Cost of funding earning assets | 0.5340% | 1,886 |
| Net interest margin | 3.5175% | 3,460 |
| Noninterest income to average assets | 0.5036% | 3,304 |
| Noninterest expense to average assets | 3.4579% | 1,372 |
| Loan and lease loss provision to assets | 0.0059% | 4,275 |
| Net operating income to assets | 0.3267% | 5,281 |
| Return on assets (ROA) | 0.3580% | 5,274 |
| Pretax return on assets | 0.4078% | 5,306 |
| Return on Equity (ROE) | 4.1152% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.1152% | 3,076 |
| Net charge-offs to loans | 0.0010% | 4,440 |
| Credit loss provision to net charge-offs | 800.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 129 |
| Efficiency ratio | 90.1433% | 682 |
| Assets per employee ($millions) | 3.5389% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,768 |
| Loan loss allowance to noncurrent loans | 71.9433% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 1,757 |
| Noncurrent loans to loans | 1.5952% | 1,439 |
| Net loans and leases to total assets | 76.0124% | 1,416 |
| Net loans and leases to deposits | 94.5476% | 1,150 |
| Net loans and leases to core deposits | 104.5535% | 1,192 |
| Total domestic deposits to total assets | 80.3959% | 4,641 |
| Equity capital to assets | 8.2301% | 5,747 |
| Core capital (leverage) ratio | 9.6887% | 3,923 |
| Tier 1 risk-based capital ratio | 16.8392% | 2,342 |
| Total risk-based capital ratio | 18.0939% | 2,293 |
| Memoranda: | ||
| Average total assets | $134,618,400 | 3,808 |
| Average earning assets | $127,534,600 | 3,750 |
| Average equity | $11,712,600 | 4,352 |
| Average total loans | $96,221,600 | 3,455 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,275 |
| Cost of funding earning assets | 0.5072% | 2,147 |
| Net interest margin | 3.5095% | 3,499 |
| Noninterest income to average assets | 0.5183% | 3,239 |
| Noninterest expense to average assets | 3.3450% | 1,585 |
| Loan and lease loss provision to assets | 0.0080% | 4,104 |
| Net operating income to assets | 0.3295% | 5,371 |
| Return on assets (ROA) | 0.3508% | 5,397 |
| Pretax return on assets | 0.5213% | 5,169 |
| Return on Equity (ROE) | 3.9770% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.9770% | 3,638 |
| Net charge-offs to loans | 0.0014% | 4,137 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 500.2406% | 143 |
| Efficiency ratio | 87.0558% | 933 |
| Assets per employee ($millions) | 3.4819% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 3,681 |
| Loan loss allowance to noncurrent loans | 67.5916% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 1,766 |
| Noncurrent loans to loans | 1.7694% | 1,345 |
| Net loans and leases to total assets | 74.1009% | 1,719 |
| Net loans and leases to deposits | 97.1228% | 896 |
| Net loans and leases to core deposits | 102.9211% | 1,305 |
| Total domestic deposits to total assets | 76.2961% | 5,443 |
| Equity capital to assets | 8.8530% | 5,437 |
| Core capital (leverage) ratio | 9.5740% | 4,206 |
| Tier 1 risk-based capital ratio | 17.1680% | 2,306 |
| Total risk-based capital ratio | 18.4231% | 2,251 |
| Memoranda: | ||
| Average total assets | $133,768,750 | 3,868 |
| Average earning assets | $126,700,750 | 3,801 |
| Average equity | $11,801,000 | 4,388 |
| Average total loans | $93,745,000 | 3,538 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,410 |
| Cost of funding earning assets | 0.4847% | 2,392 |
| Net interest margin | 3.4832% | 3,564 |
| Noninterest income to average assets | 0.5275% | 3,186 |
| Noninterest expense to average assets | 3.3540% | 1,567 |
| Loan and lease loss provision to assets | 0.0120% | 3,880 |
| Net operating income to assets | 0.3392% | 5,330 |
| Return on assets (ROA) | 0.3667% | 5,354 |
| Pretax return on assets | 0.5034% | 5,215 |
| Return on Equity (ROE) | 4.1612% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.1612% | 3,382 |
| Net charge-offs to loans | 0.0022% | 3,824 |
| Credit loss provision to net charge-offs | 800.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 318.0000% | 215 |
| Efficiency ratio | 87.5294% | 937 |
| Assets per employee ($millions) | 3.4352% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 3,321 |
| Loan loss allowance to noncurrent loans | 59.2124% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 1,592 |
| Noncurrent loans to loans | 2.1716% | 1,105 |
| Net loans and leases to total assets | 69.7932% | 2,344 |
| Net loans and leases to deposits | 90.2444% | 1,567 |
| Net loans and leases to core deposits | 95.5292% | 1,843 |
| Total domestic deposits to total assets | 77.3380% | 5,404 |
| Equity capital to assets | 8.7727% | 5,462 |
| Core capital (leverage) ratio | 9.7290% | 3,968 |
| Tier 1 risk-based capital ratio | 17.8651% | 2,106 |
| Total risk-based capital ratio | 19.1211% | 2,062 |
| Memoranda: | ||
| Average total assets | $133,093,000 | 3,908 |
| Average earning assets | $126,261,670 | 3,842 |
| Average equity | $11,727,330 | 4,431 |
| Average total loans | $91,045,330 | 3,611 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 3,560 |
| Cost of funding earning assets | 0.4546% | 2,726 |
| Net interest margin | 3.4554% | 3,608 |
| Noninterest income to average assets | 0.5247% | 3,125 |
| Noninterest expense to average assets | 3.3622% | 1,570 |
| Loan and lease loss provision to assets | 0.0241% | 3,389 |
| Net operating income to assets | 0.3378% | 5,288 |
| Return on assets (ROA) | 0.3769% | 5,274 |
| Pretax return on assets | 0.4644% | 5,276 |
| Return on Equity (ROE) | 4.2682% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.2682% | 3,453 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4219% | 985 |
| Assets per employee ($millions) | 3.5532% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 3,222 |
| Loan loss allowance to noncurrent loans | 59.0315% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5294% | 1,701 |
| Noncurrent loans to loans | 2.2603% | 1,105 |
| Net loans and leases to total assets | 66.7615% | 2,640 |
| Net loans and leases to deposits | 90.3724% | 1,351 |
| Net loans and leases to core deposits | 93.5714% | 1,803 |
| Total domestic deposits to total assets | 73.8737% | 5,913 |
| Equity capital to assets | 8.7868% | 5,514 |
| Core capital (leverage) ratio | 9.8344% | 3,843 |
| Tier 1 risk-based capital ratio | 16.2261% | 2,813 |
| Total risk-based capital ratio | 17.4792% | 2,758 |
| Memoranda: | ||
| Average total assets | $132,653,000 | 3,941 |
| Average earning assets | $125,831,000 | 3,874 |
| Average equity | $11,714,500 | 4,470 |
| Average total loans | $89,207,000 | 3,666 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,949 |
| Cost of funding earning assets | 0.7043% | 1,081 |
| Net interest margin | 3.2400% | 4,790 |
| Noninterest income to average assets | 0.5263% | 3,315 |
| Noninterest expense to average assets | 3.4527% | 1,593 |
| Loan and lease loss provision to assets | 0.0155% | 4,299 |
| Net operating income to assets | 0.0959% | 5,957 |
| Return on assets (ROA) | 0.1407% | 5,941 |
| Pretax return on assets | 0.2216% | 5,836 |
| Return on Equity (ROE) | 1.6302% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.6302% | 5,004 |
| Net charge-offs to loans | 0.0608% | 3,629 |
| Credit loss provision to net charge-offs | 40.0000% | 3,672 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 3,689 |
| Efficiency ratio | 95.3823% | 529 |
| Assets per employee ($millions) | 3.0299% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,988 |
| Loan loss allowance to noncurrent loans | 65.7795% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 1,863 |
| Noncurrent loans to loans | 2.1148% | 1,286 |
| Net loans and leases to total assets | 65.8879% | 2,902 |
| Net loans and leases to deposits | 85.8351% | 2,004 |
| Net loans and leases to core deposits | 88.9011% | 2,392 |
| Total domestic deposits to total assets | 76.7609% | 5,637 |
| Equity capital to assets | 8.8767% | 5,402 |
| Core capital (leverage) ratio | 9.6245% | 4,065 |
| Tier 1 risk-based capital ratio | 17.7281% | 2,227 |
| Total risk-based capital ratio | 18.9705% | 2,196 |
| Memoranda: | ||
| Average total assets | $128,623,600 | 4,002 |
| Average earning assets | $122,808,400 | 3,907 |
| Average equity | $11,103,200 | 4,544 |
| Average total loans | $82,279,600 | 3,811 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 4,019 |
| Cost of funding earning assets | 0.7211% | 1,045 |
| Net interest margin | 3.2163% | 4,907 |
| Noninterest income to average assets | 0.5689% | 3,074 |
| Noninterest expense to average assets | 3.2436% | 2,045 |
| Loan and lease loss provision to assets | 0.0208% | 3,991 |
| Net operating income to assets | 0.2927% | 5,612 |
| Return on assets (ROA) | 0.3359% | 5,543 |
| Pretax return on assets | 0.4357% | 5,507 |
| Return on Equity (ROE) | 3.9195% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.9195% | 3,856 |
| Net charge-offs to loans | 0.0428% | 3,645 |
| Credit loss provision to net charge-offs | 76.9231% | 2,655 |
| Earnings coverage of net charge-offs (x) | 14.8059% | 2,110 |
| Efficiency ratio | 89.0126% | 925 |
| Assets per employee ($millions) | 3.0761% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 2,823 |
| Loan loss allowance to noncurrent loans | 76.8991% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 2,416 |
| Noncurrent loans to loans | 1.9244% | 1,666 |
| Net loans and leases to total assets | 65.1916% | 2,998 |
| Net loans and leases to deposits | 79.9811% | 2,692 |
| Net loans and leases to core deposits | 83.6877% | 2,919 |
| Total domestic deposits to total assets | 81.5087% | 4,655 |
| Equity capital to assets | 8.9186% | 5,442 |
| Core capital (leverage) ratio | 10.0152% | 3,658 |
| Tier 1 risk-based capital ratio | 18.8197% | 1,952 |
| Total risk-based capital ratio | 20.0754% | 1,918 |
| Memoranda: | ||
| Average total assets | $128,208,250 | 4,040 |
| Average earning assets | $122,579,250 | 3,937 |
| Average equity | $10,987,750 | 4,600 |
| Average total loans | $81,086,250 | 3,875 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 4,387 |
| Cost of funding earning assets | 0.7349% | 993 |
| Net interest margin | 3.1019% | 5,251 |
| Noninterest income to average assets | 0.5477% | 3,144 |
| Noninterest expense to average assets | 3.1434% | 2,352 |
| Loan and lease loss provision to assets | 0.0310% | 3,660 |
| Net operating income to assets | 0.2307% | 5,757 |
| Return on assets (ROA) | 0.2793% | 5,709 |
| Pretax return on assets | 0.4112% | 5,526 |
| Return on Equity (ROE) | 3.3024% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.3024% | 4,101 |
| Net charge-offs to loans | 0.0349% | 3,512 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 17.0714% | 1,752 |
| Efficiency ratio | 89.4481% | 956 |
| Assets per employee ($millions) | 3.1132% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 2,604 |
| Loan loss allowance to noncurrent loans | 69.2009% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4118% | 2,316 |
| Noncurrent loans to loans | 2.2608% | 1,442 |
| Net loans and leases to total assets | 61.4682% | 3,490 |
| Net loans and leases to deposits | 75.4622% | 3,130 |
| Net loans and leases to core deposits | 79.2777% | 3,291 |
| Total domestic deposits to total assets | 81.4557% | 4,823 |
| Equity capital to assets | 8.7277% | 5,593 |
| Core capital (leverage) ratio | 9.7892% | 3,899 |
| Tier 1 risk-based capital ratio | 19.8455% | 1,722 |
| Total risk-based capital ratio | 21.0982% | 1,688 |
| Memoranda: | ||
| Average total assets | $128,904,670 | 4,057 |
| Average earning assets | $123,278,670 | 3,947 |
| Average equity | $10,901,000 | 4,636 |
| Average total loans | $80,297,000 | 3,901 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7458% | 4,687 |
| Cost of funding earning assets | 0.7595% | 932 |
| Net interest margin | 2.9863% | 5,556 |
| Noninterest income to average assets | 0.6021% | 2,721 |
| Noninterest expense to average assets | 3.0570% | 2,670 |
| Loan and lease loss provision to assets | 0.0463% | 3,169 |
| Net operating income to assets | 0.2838% | 5,558 |
| Return on assets (ROA) | 0.3088% | 5,507 |
| Pretax return on assets | 0.3829% | 5,504 |
| Return on Equity (ROE) | 3.7101% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.7101% | 3,909 |
| Net charge-offs to loans | 0.0298% | 2,987 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,286 |
| Efficiency ratio | 88.4718% | 1,179 |
| Assets per employee ($millions) | 3.3553% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 2,934 |
| Loan loss allowance to noncurrent loans | 68.6059% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4290% | 2,483 |
| Noncurrent loans to loans | 2.2574% | 1,598 |
| Net loans and leases to total assets | 62.3219% | 3,185 |
| Net loans and leases to deposits | 75.9658% | 2,814 |
| Net loans and leases to core deposits | 79.3594% | 3,055 |
| Total domestic deposits to total assets | 82.0394% | 4,937 |
| Equity capital to assets | 8.5670% | 5,580 |
| Core capital (leverage) ratio | 9.7274% | 3,957 |
| Tier 1 risk-based capital ratio | 20.0501% | 1,707 |
| Total risk-based capital ratio | 21.2919% | 1,676 |
| Memoranda: | ||
| Average total assets | $129,537,000 | 4,079 |
| Average earning assets | $123,765,500 | 3,969 |
| Average equity | $10,781,500 | 4,671 |
| Average total loans | $80,593,000 | 3,914 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 5,523 |
| Cost of funding earning assets | 0.9788% | 500 |
| Net interest margin | 2.5757% | 6,292 |
| Noninterest income to average assets | 0.4393% | 4,168 |
| Noninterest expense to average assets | 3.1961% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1649% | 6,346 |
| Return on assets (ROA) | -0.1493% | 6,354 |
| Pretax return on assets | -0.2562% | 6,393 |
| Return on Equity (ROE) | -1.9519% | 6,378 |
| Retained earnings to average equity (ytd only) | -1.9519% | 6,173 |
| Net charge-offs to loans | 0.0048% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -97.7500% | 5,465 |
| Efficiency ratio | 109.6258% | 277 |
| Assets per employee ($millions) | 3.3737% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 2,995 |
| Loan loss allowance to noncurrent loans | 44.5922% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 2.1152% | 1,692 |
| Noncurrent loans to loans | 3.4582% | 918 |
| Net loans and leases to total assets | 60.2206% | 3,672 |
| Net loans and leases to deposits | 73.9578% | 3,262 |
| Net loans and leases to core deposits | 78.2079% | 3,333 |
| Total domestic deposits to total assets | 81.4255% | 5,061 |
| Equity capital to assets | 8.0868% | 5,950 |
| Core capital (leverage) ratio | 9.3429% | 4,490 |
| Tier 1 risk-based capital ratio | 19.5265% | 1,775 |
| Total risk-based capital ratio | 20.7470% | 1,749 |
| Memoranda: | ||
| Average total assets | $139,324,600 | 3,887 |
| Average earning assets | $133,943,200 | 3,754 |
| Average equity | $10,656,200 | 4,708 |
| Average total loans | $82,535,400 | 3,862 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 5,613 |
| Cost of funding earning assets | 0.9955% | 505 |
| Net interest margin | 2.5358% | 6,397 |
| Noninterest income to average assets | 0.4502% | 4,151 |
| Noninterest expense to average assets | 2.9656% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0727% | 6,358 |
| Return on assets (ROA) | -0.0406% | 6,374 |
| Pretax return on assets | -0.0406% | 6,353 |
| Return on Equity (ROE) | -0.5378% | 6,385 |
| Retained earnings to average equity (ytd only) | -0.5378% | 6,051 |
| Net charge-offs to loans | 0.0048% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -25.6650% | 5,184 |
| Efficiency ratio | 102.5122% | 389 |
| Assets per employee ($millions) | 3.3246% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,254 |
| Loan loss allowance to noncurrent loans | 43.6907% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 2.0872% | 1,916 |
| Noncurrent loans to loans | 3.5360% | 1,071 |
| Net loans and leases to total assets | 58.1147% | 3,992 |
| Net loans and leases to deposits | 71.9835% | 3,517 |
| Net loans and leases to core deposits | 76.6317% | 3,549 |
| Total domestic deposits to total assets | 80.7333% | 5,293 |
| Equity capital to assets | 7.7596% | 6,277 |
| Core capital (leverage) ratio | 9.0836% | 4,993 |
| Tier 1 risk-based capital ratio | 22.9833% | 1,149 |
| Total risk-based capital ratio | 24.2458% | 1,130 |
| Memoranda: | ||
| Average total assets | $141,262,500 | 3,896 |
| Average earning assets | $136,073,500 | 3,759 |
| Average equity | $10,660,250 | 4,763 |
| Average total loans | $83,050,500 | 3,881 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 5,585 |
| Cost of funding earning assets | 1.0185% | 494 |
| Net interest margin | 2.5326% | 6,413 |
| Noninterest income to average assets | 0.4576% | 4,113 |
| Noninterest expense to average assets | 2.8255% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0714% | 6,199 |
| Return on assets (ROA) | 0.0714% | 6,278 |
| Pretax return on assets | 0.0714% | 6,273 |
| Return on Equity (ROE) | 0.9543% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.9543% | 5,525 |
| Net charge-offs to loans | -0.0048% | 5,628 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5362% | 590 |
| Assets per employee ($millions) | 3.7283% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 3,496 |
| Loan loss allowance to noncurrent loans | 42.8965% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.0519% | 2,108 |
| Noncurrent loans to loans | 3.5410% | 1,184 |
| Net loans and leases to total assets | 57.0669% | 4,128 |
| Net loans and leases to deposits | 70.6006% | 3,644 |
| Net loans and leases to core deposits | 75.1881% | 3,647 |
| Total domestic deposits to total assets | 80.8306% | 5,390 |
| Equity capital to assets | 7.5264% | 6,432 |
| Core capital (leverage) ratio | 8.8093% | 5,279 |
| Tier 1 risk-based capital ratio | 21.7420% | 1,347 |
| Total risk-based capital ratio | 23.0029% | 1,315 |
| Memoranda: | ||
| Average total assets | $142,914,000 | 3,898 |
| Average earning assets | $137,647,670 | 3,762 |
| Average equity | $10,688,000 | 4,793 |
| Average total loans | $83,914,670 | 3,876 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 5,538 |
| Cost of funding earning assets | 1.0497% | 475 |
| Net interest margin | 2.5171% | 6,492 |
| Noninterest income to average assets | 0.3567% | 4,818 |
| Noninterest expense to average assets | 2.7506% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0251% | 6,302 |
| Return on assets (ROA) | 0.0251% | 6,382 |
| Pretax return on assets | 0.0251% | 6,375 |
| Return on Equity (ROE) | 0.3364% | 6,360 |
| Retained earnings to average equity (ytd only) | 0.3364% | 5,677 |
| Net charge-offs to loans | -0.0141% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0964% | 580 |
| Assets per employee ($millions) | 3.6502% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 3,886 |
| Loan loss allowance to noncurrent loans | 46.3252% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.8924% | 2,483 |
| Noncurrent loans to loans | 3.2080% | 1,532 |
| Net loans and leases to total assets | 58.1129% | 3,771 |
| Net loans and leases to deposits | 72.1126% | 3,172 |
| Net loans and leases to core deposits | 75.7120% | 3,363 |
| Total domestic deposits to total assets | 80.5864% | 5,605 |
| Equity capital to assets | 7.5064% | 6,592 |
| Core capital (leverage) ratio | 8.7417% | 5,269 |
| Tier 1 risk-based capital ratio | 21.6172% | 1,399 |
| Total risk-based capital ratio | 22.8786% | 1,376 |
| Memoranda: | ||
| Average total assets | $143,534,000 | 3,922 |
| Average earning assets | $137,938,000 | 3,794 |
| Average equity | $10,700,500 | 4,837 |
| Average total loans | $84,824,000 | 3,874 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 5,626 |
| Cost of funding earning assets | 1.2020% | 574 |
| Net interest margin | 2.6808% | 6,544 |
| Noninterest income to average assets | 0.5168% | 3,792 |
| Noninterest expense to average assets | 2.8125% | 3,975 |
| Loan and lease loss provision to assets | 0.1638% | 3,564 |
| Net operating income to assets | 0.1145% | 5,985 |
| Return on assets (ROA) | 0.1200% | 6,108 |
| Pretax return on assets | 0.1364% | 6,091 |
| Return on Equity (ROE) | 1.6377% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.6377% | 5,047 |
| Net charge-offs to loans | -0.0023% | 6,333 |
| Credit loss provision to net charge-offs | -11,950.0000% | 6,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5340% | 1,019 |
| Assets per employee ($millions) | 3.8081% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 3,929 |
| Loan loss allowance to noncurrent loans | 36.4355% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 2.3613% | 2,082 |
| Noncurrent loans to loans | 3.9885% | 1,181 |
| Net loans and leases to total assets | 58.3419% | 3,914 |
| Net loans and leases to deposits | 72.3848% | 3,348 |
| Net loans and leases to core deposits | 77.4600% | 3,342 |
| Total domestic deposits to total assets | 80.5997% | 5,510 |
| Equity capital to assets | 7.4045% | 6,668 |
| Core capital (leverage) ratio | 8.5977% | 5,464 |
| Tier 1 risk-based capital ratio | 21.3598% | 1,386 |
| Total risk-based capital ratio | 22.5800% | 1,368 |
| Memoranda: | ||
| Average total assets | $145,886,200 | 3,843 |
| Average earning assets | $140,930,600 | 3,709 |
| Average equity | $10,686,000 | 4,818 |
| Average total loans | $88,692,800 | 3,781 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 5,646 |
| Cost of funding earning assets | 1.2287% | 604 |
| Net interest margin | 2.7259% | 6,609 |
| Noninterest income to average assets | 0.5299% | 3,748 |
| Noninterest expense to average assets | 2.6323% | 4,630 |
| Loan and lease loss provision to assets | 0.2180% | 2,880 |
| Net operating income to assets | 0.2959% | 5,628 |
| Return on assets (ROA) | 0.3028% | 5,809 |
| Pretax return on assets | 0.3174% | 5,924 |
| Return on Equity (ROE) | 4.1452% | 5,236 |
| Retained earnings to average equity (ytd only) | 4.1452% | 3,986 |
| Net charge-offs to loans | -0.0015% | 6,194 |
| Credit loss provision to net charge-offs | -23,900.0000% | 6,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2900% | 1,670 |
| Assets per employee ($millions) | 3.8662% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,206 |
| Loan loss allowance to noncurrent loans | 34.7583% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 2.4361% | 2,174 |
| Noncurrent loans to loans | 4.1344% | 1,211 |
| Net loans and leases to total assets | 58.0760% | 4,125 |
| Net loans and leases to deposits | 72.2954% | 3,564 |
| Net loans and leases to core deposits | 76.7383% | 3,636 |
| Total domestic deposits to total assets | 80.3316% | 5,567 |
| Equity capital to assets | 7.3253% | 6,811 |
| Core capital (leverage) ratio | 8.5687% | 5,669 |
| Tier 1 risk-based capital ratio | 20.5667% | 1,623 |
| Total risk-based capital ratio | 21.7901% | 1,593 |
| Memoranda: | ||
| Average total assets | $146,180,500 | 3,876 |
| Average earning assets | $141,062,750 | 3,753 |
| Average equity | $10,678,750 | 4,871 |
| Average total loans | $89,448,250 | 3,809 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 5,436 |
| Cost of funding earning assets | 1.2612% | 616 |
| Net interest margin | 2.8040% | 6,569 |
| Noninterest income to average assets | 0.5619% | 3,511 |
| Noninterest expense to average assets | 2.6519% | 4,600 |
| Loan and lease loss provision to assets | 0.3275% | 2,009 |
| Net operating income to assets | 0.2625% | 5,727 |
| Return on assets (ROA) | 0.2714% | 5,898 |
| Pretax return on assets | 0.2947% | 5,973 |
| Return on Equity (ROE) | 3.7180% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.7180% | 4,125 |
| Net charge-offs to loans | 0.0066% | 5,395 |
| Credit loss provision to net charge-offs | 7,966.6667% | 37 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 299 |
| Efficiency ratio | 81.2343% | 1,999 |
| Assets per employee ($millions) | 3.8586% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,473 |
| Loan loss allowance to noncurrent loans | 25.8819% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 3.2675% | 1,659 |
| Noncurrent loans to loans | 5.4059% | 863 |
| Net loans and leases to total assets | 59.5968% | 3,900 |
| Net loans and leases to deposits | 74.6651% | 3,175 |
| Net loans and leases to core deposits | 79.2895% | 3,325 |
| Total domestic deposits to total assets | 79.8189% | 5,787 |
| Equity capital to assets | 7.2456% | 6,860 |
| Core capital (leverage) ratio | 8.4950% | 5,653 |
| Tier 1 risk-based capital ratio | 19.9516% | 1,711 |
| Total risk-based capital ratio | 21.1795% | 1,686 |
| Memoranda: | ||
| Average total assets | $145,935,330 | 3,904 |
| Average earning assets | $140,658,670 | 3,774 |
| Average equity | $10,651,000 | 4,882 |
| Average total loans | $90,408,670 | 3,796 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 5,278 |
| Cost of funding earning assets | 1.3009% | 628 |
| Net interest margin | 2.8477% | 6,557 |
| Noninterest income to average assets | 0.6072% | 3,185 |
| Noninterest expense to average assets | 2.6321% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6793% | 3,985 |
| Return on assets (ROA) | 0.6924% | 4,144 |
| Pretax return on assets | 0.7253% | 4,704 |
| Return on Equity (ROE) | 9.4519% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.4519% | 1,426 |
| Net charge-offs to loans | 0.0175% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 64.7500% | 520 |
| Efficiency ratio | 78.7182% | 2,398 |
| Assets per employee ($millions) | 3.8008% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,878 |
| Loan loss allowance to noncurrent loans | 396.8254% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 6,450 |
| Noncurrent loans to loans | 0.2791% | 6,122 |
| Net loans and leases to total assets | 61.8140% | 3,291 |
| Net loans and leases to deposits | 77.3640% | 2,614 |
| Net loans and leases to core deposits | 80.6435% | 2,989 |
| Total domestic deposits to total assets | 79.9003% | 5,877 |
| Equity capital to assets | 7.3960% | 6,820 |
| Core capital (leverage) ratio | 8.6518% | 5,376 |
| Tier 1 risk-based capital ratio | 19.9380% | 1,727 |
| Total risk-based capital ratio | 21.1678% | 1,703 |
| Memoranda: | ||
| Average total assets | $145,589,500 | 3,943 |
| Average earning assets | $139,901,500 | 3,818 |
| Average equity | $10,664,500 | 4,895 |
| Average total loans | $91,300,500 | 3,795 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 5,718 |
| Cost of funding earning assets | 1.4895% | 746 |
| Net interest margin | 2.8255% | 6,792 |
| Noninterest income to average assets | 0.5592% | 3,434 |
| Noninterest expense to average assets | 2.6970% | 4,756 |
| Loan and lease loss provision to assets | 0.5566% | 1,874 |
| Net operating income to assets | -0.1259% | 6,182 |
| Return on assets (ROA) | -0.1272% | 6,258 |
| Pretax return on assets | 0.0013% | 6,125 |
| Return on Equity (ROE) | -1.7678% | 6,317 |
| Retained earnings to average equity (ytd only) | -1.7678% | 6,124 |
| Net charge-offs to loans | 0.0118% | 6,265 |
| Credit loss provision to net charge-offs | 7,600.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 76.4545% | 391 |
| Efficiency ratio | 82.8087% | 1,916 |
| Assets per employee ($millions) | 3.8618% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 5,863 |
| Loan loss allowance to noncurrent loans | 233.7995% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 6,237 |
| Noncurrent loans to loans | 0.4647% | 5,783 |
| Net loans and leases to total assets | 62.2287% | 3,557 |
| Net loans and leases to deposits | 77.6135% | 2,897 |
| Net loans and leases to core deposits | 81.7620% | 3,214 |
| Total domestic deposits to total assets | 80.1777% | 5,691 |
| Equity capital to assets | 7.2552% | 6,890 |
| Core capital (leverage) ratio | 8.3154% | 5,832 |
| Tier 1 risk-based capital ratio | 17.9975% | 2,188 |
| Total risk-based capital ratio | 19.4862% | 2,090 |
| Memoranda: | ||
| Average total assets | $150,205,600 | 3,794 |
| Average earning assets | $143,407,800 | 3,687 |
| Average equity | $10,804,400 | 4,828 |
| Average total loans | $92,950,600 | 3,788 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 5,783 |
| Cost of funding earning assets | 1.5069% | 836 |
| Net interest margin | 2.8410% | 6,837 |
| Noninterest income to average assets | 0.5666% | 3,397 |
| Noninterest expense to average assets | 2.5462% | 5,297 |
| Loan and lease loss provision to assets | 0.7378% | 1,297 |
| Net operating income to assets | -0.1871% | 6,372 |
| Return on assets (ROA) | -0.1924% | 6,459 |
| Pretax return on assets | -0.0088% | 6,241 |
| Return on Equity (ROE) | -2.6804% | 6,540 |
| Retained earnings to average equity (ytd only) | -2.6804% | 6,381 |
| Net charge-offs to loans | 0.0272% | 5,766 |
| Credit loss provision to net charge-offs | 4,400.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 43.7943% | 725 |
| Efficiency ratio | 77.6164% | 2,593 |
| Assets per employee ($millions) | 3.9290% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,061 |
| Loan loss allowance to noncurrent loans | 292.6471% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 6,488 |
| Noncurrent loans to loans | 0.3579% | 6,134 |
| Net loans and leases to total assets | 62.9599% | 3,517 |
| Net loans and leases to deposits | 78.9115% | 2,825 |
| Net loans and leases to core deposits | 82.2535% | 3,289 |
| Total domestic deposits to total assets | 79.7854% | 5,800 |
| Equity capital to assets | 7.0909% | 7,037 |
| Core capital (leverage) ratio | 8.1538% | 6,198 |
| Tier 1 risk-based capital ratio | 17.7563% | 2,349 |
| Total risk-based capital ratio | 19.2153% | 2,230 |
| Memoranda: | ||
| Average total assets | $151,069,750 | 3,805 |
| Average earning assets | $144,314,250 | 3,691 |
| Average equity | $10,843,750 | 4,843 |
| Average total loans | $93,107,500 | 3,817 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 5,868 |
| Cost of funding earning assets | 1.5293% | 897 |
| Net interest margin | 2.8120% | 6,910 |
| Noninterest income to average assets | 0.5842% | 3,235 |
| Noninterest expense to average assets | 2.5122% | 5,483 |
| Loan and lease loss provision to assets | 0.0171% | 6,068 |
| Net operating income to assets | 0.5438% | 4,328 |
| Return on assets (ROA) | 0.5381% | 4,481 |
| Pretax return on assets | 0.7385% | 4,252 |
| Return on Equity (ROE) | 7.4661% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.4661% | 1,672 |
| Net charge-offs to loans | 0.0411% | 5,277 |
| Credit loss provision to net charge-offs | 68.4211% | 4,094 |
| Earnings coverage of net charge-offs (x) | 30.4737% | 907 |
| Efficiency ratio | 76.6908% | 2,902 |
| Assets per employee ($millions) | 4.0937% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1811% | 7,398 |
| Loan loss allowance to noncurrent loans | 110.2564% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 6,835 |
| Noncurrent loans to loans | 0.1642% | 6,570 |
| Net loans and leases to total assets | 62.6051% | 3,768 |
| Net loans and leases to deposits | 77.6727% | 3,186 |
| Net loans and leases to core deposits | 81.0271% | 3,654 |
| Total domestic deposits to total assets | 80.6011% | 5,646 |
| Equity capital to assets | 7.3798% | 7,001 |
| Core capital (leverage) ratio | 8.4482% | 5,632 |
| Tier 1 risk-based capital ratio | 18.5619% | 1,983 |
| Total risk-based capital ratio | 18.8120% | 2,288 |
| Memoranda: | ||
| Average total assets | $151,658,670 | 3,821 |
| Average earning assets | $145,161,330 | 3,707 |
| Average equity | $10,929,330 | 4,817 |
| Average total loans | $92,478,000 | 3,877 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 5,980 |
| Cost of funding earning assets | 1.5437% | 1,009 |
| Net interest margin | 2.7703% | 6,948 |
| Noninterest income to average assets | 0.4455% | 4,327 |
| Noninterest expense to average assets | 2.4381% | 5,773 |
| Loan and lease loss provision to assets | 0.0237% | 5,664 |
| Net operating income to assets | 0.4758% | 4,593 |
| Return on assets (ROA) | 0.4639% | 4,727 |
| Pretax return on assets | 0.6168% | 4,624 |
| Return on Equity (ROE) | 6.5155% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.5155% | 2,366 |
| Net charge-offs to loans | 0.0789% | 4,149 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 13.8333% | 1,405 |
| Efficiency ratio | 78.7905% | 2,718 |
| Assets per employee ($millions) | 4.0065% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1845% | 7,451 |
| Loan loss allowance to noncurrent loans | 54.6926% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 6,652 |
| Noncurrent loans to loans | 0.3373% | 6,316 |
| Net loans and leases to total assets | 60.0636% | 4,250 |
| Net loans and leases to deposits | 74.2990% | 3,714 |
| Net loans and leases to core deposits | 77.7680% | 4,051 |
| Total domestic deposits to total assets | 80.8403% | 5,708 |
| Equity capital to assets | 7.1548% | 7,035 |
| Core capital (leverage) ratio | 8.2489% | 5,902 |
| Tier 1 risk-based capital ratio | 18.4251% | 1,982 |
| Total risk-based capital ratio | 18.6735% | 2,300 |
| Memoranda: | ||
| Average total assets | $151,754,500 | 3,853 |
| Average earning assets | $145,110,500 | 3,727 |
| Average equity | $10,805,000 | 4,844 |
| Average total loans | $91,218,000 | 3,948 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 6,164 |
| Cost of funding earning assets | 1.7928% | 1,197 |
| Net interest margin | 2.7894% | 7,042 |
| Noninterest income to average assets | 0.4839% | 4,293 |
| Noninterest expense to average assets | 2.7728% | 4,695 |
| Loan and lease loss provision to assets | 0.0359% | 6,798 |
| Net operating income to assets | 0.2533% | 5,101 |
| Return on assets (ROA) | 0.2742% | 5,185 |
| Pretax return on assets | 0.3634% | 5,048 |
| Return on Equity (ROE) | 3.8350% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.8350% | 3,177 |
| Net charge-offs to loans | 0.0233% | 6,579 |
| Credit loss provision to net charge-offs | 257.1429% | 1,099 |
| Earnings coverage of net charge-offs (x) | 26.5714% | 817 |
| Efficiency ratio | 88.1880% | 1,464 |
| Assets per employee ($millions) | 4.2017% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2059% | 7,523 |
| Loan loss allowance to noncurrent loans | 41.2804% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 6,492 |
| Noncurrent loans to loans | 0.4988% | 6,042 |
| Net loans and leases to total assets | 59.9192% | 4,697 |
| Net loans and leases to deposits | 74.0791% | 4,177 |
| Net loans and leases to core deposits | 77.6224% | 4,505 |
| Total domestic deposits to total assets | 80.8855% | 5,557 |
| Equity capital to assets | 7.0851% | 7,085 |
| Core capital (leverage) ratio | 8.1863% | 5,849 |
| Tier 1 risk-based capital ratio | 18.2876% | 1,910 |
| Total risk-based capital ratio | 18.5643% | 2,193 |
| Memoranda: | ||
| Average total assets | $150,244,800 | 3,869 |
| Average earning assets | $143,293,800 | 3,754 |
| Average equity | $10,743,200 | 4,923 |
| Average total loans | $90,149,600 | 4,050 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 6,205 |
| Cost of funding earning assets | 1.8462% | 1,234 |
| Net interest margin | 2.8005% | 7,130 |
| Noninterest income to average assets | 0.4365% | 4,662 |
| Noninterest expense to average assets | 2.6632% | 5,038 |
| Loan and lease loss provision to assets | 0.0124% | 6,907 |
| Net operating income to assets | 0.3318% | 5,041 |
| Return on assets (ROA) | 0.3609% | 5,107 |
| Pretax return on assets | 0.4613% | 5,039 |
| Return on Equity (ROE) | 5.0357% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.0357% | 2,964 |
| Net charge-offs to loans | 0.0178% | 6,426 |
| Credit loss provision to net charge-offs | 116.6667% | 3,565 |
| Earnings coverage of net charge-offs (x) | 40.9156% | 670 |
| Efficiency ratio | 85.9191% | 1,642 |
| Assets per employee ($millions) | 4.0194% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1687% | 7,649 |
| Loan loss allowance to noncurrent loans | 592.3077% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 7,321 |
| Noncurrent loans to loans | 0.0285% | 7,189 |
| Net loans and leases to total assets | 59.6804% | 4,969 |
| Net loans and leases to deposits | 73.7003% | 4,564 |
| Net loans and leases to core deposits | 76.6728% | 4,967 |
| Total domestic deposits to total assets | 80.9771% | 5,374 |
| Equity capital to assets | 7.2353% | 7,252 |
| Core capital (leverage) ratio | 8.1137% | 6,177 |
| Tier 1 risk-based capital ratio | 18.1706% | 1,980 |
| Total risk-based capital ratio | 18.3972% | 2,253 |
| Memoranda: | ||
| Average total assets | $149,990,500 | 3,927 |
| Average earning assets | $142,635,500 | 3,823 |
| Average equity | $10,749,750 | 4,988 |
| Average total loans | $89,981,500 | 4,118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 6,107 |
| Cost of funding earning assets | 1.8998% | 1,235 |
| Net interest margin | 2.8122% | 7,128 |
| Noninterest income to average assets | 0.4239% | 4,723 |
| Noninterest expense to average assets | 2.7798% | 4,579 |
| Loan and lease loss provision to assets | 0.0188% | 6,737 |
| Net operating income to assets | 0.2542% | 5,360 |
| Return on assets (ROA) | 0.2858% | 5,385 |
| Pretax return on assets | 0.3287% | 5,425 |
| Return on Equity (ROE) | 4.0003% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.0003% | 3,534 |
| Net charge-offs to loans | 0.0290% | 5,928 |
| Credit loss provision to net charge-offs | 107.6923% | 3,783 |
| Earnings coverage of net charge-offs (x) | 17.8462% | 1,316 |
| Efficiency ratio | 89.9306% | 1,337 |
| Assets per employee ($millions) | 3.9094% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1679% | 7,720 |
| Loan loss allowance to noncurrent loans | 185.5422% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 7,255 |
| Noncurrent loans to loans | 0.0905% | 7,084 |
| Net loans and leases to total assets | 60.0592% | 5,048 |
| Net loans and leases to deposits | 74.6136% | 4,582 |
| Net loans and leases to core deposits | 78.2524% | 4,901 |
| Total domestic deposits to total assets | 80.4936% | 5,561 |
| Equity capital to assets | 7.0585% | 7,322 |
| Core capital (leverage) ratio | 7.9923% | 6,284 |
| Tier 1 risk-based capital ratio | 17.6078% | 2,074 |
| Total risk-based capital ratio | 17.8308% | 2,396 |
| Memoranda: | ||
| Average total assets | $149,075,000 | 3,967 |
| Average earning assets | $141,382,000 | 3,878 |
| Average equity | $10,649,330 | 5,016 |
| Average total loans | $89,539,330 | 4,155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 5,624 |
| Cost of funding earning assets | 1.9725% | 1,180 |
| Net interest margin | 2.8911% | 7,032 |
| Noninterest income to average assets | 0.4125% | 4,789 |
| Noninterest expense to average assets | 2.8552% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2402% | 5,543 |
| Return on assets (ROA) | 0.2633% | 5,564 |
| Pretax return on assets | 0.3094% | 5,574 |
| Return on Equity (ROE) | 3.6628% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.6628% | 3,954 |
| Net charge-offs to loans | -0.0045% | 6,808 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0035% | 1,350 |
| Assets per employee ($millions) | 3.5918% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1729% | 7,821 |
| Loan loss allowance to noncurrent loans | 1,925.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 7,491 |
| Noncurrent loans to loans | 0.0090% | 7,397 |
| Net loans and leases to total assets | 60.3638% | 5,059 |
| Net loans and leases to deposits | 75.5687% | 4,483 |
| Net loans and leases to core deposits | 78.9914% | 4,898 |
| Total domestic deposits to total assets | 79.8794% | 5,828 |
| Equity capital to assets | 7.2144% | 7,276 |
| Core capital (leverage) ratio | 8.1947% | 5,914 |
| Tier 1 risk-based capital ratio | 18.1226% | 1,917 |
| Total risk-based capital ratio | 18.3543% | 2,184 |
| Memoranda: | ||
| Average total assets | $147,378,500 | 4,054 |
| Average earning assets | $138,909,000 | 3,987 |
| Average equity | $10,593,000 | 5,076 |
| Average total loans | $88,446,500 | 4,243 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 6,596 |
| Cost of funding earning assets | 2.2564% | 1,816 |
| Net interest margin | 2.6897% | 7,221 |
| Noninterest income to average assets | 0.5405% | 4,107 |
| Noninterest expense to average assets | 3.0436% | 3,970 |
| Loan and lease loss provision to assets | 0.0071% | 7,398 |
| Net operating income to assets | 0.0812% | 5,262 |
| Return on assets (ROA) | 0.0869% | 5,290 |
| Pretax return on assets | 0.0608% | 5,298 |
| Return on Equity (ROE) | 1.2040% | 5,166 |
| Retained earnings to average equity (ytd only) | 1.2040% | 4,197 |
| Net charge-offs to loans | 0.0103% | 7,088 |
| Credit loss provision to net charge-offs | 111.1111% | 4,944 |
| Earnings coverage of net charge-offs (x) | 9.7778% | 1,758 |
| Efficiency ratio | 97.9982% | 1,212 |
| Assets per employee ($millions) | 3.5974% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1742% | 7,891 |
| Loan loss allowance to noncurrent loans | 177.9070% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 7,353 |
| Noncurrent loans to loans | 0.0979% | 7,167 |
| Net loans and leases to total assets | 59.4549% | 5,426 |
| Net loans and leases to deposits | 73.8430% | 5,065 |
| Net loans and leases to core deposits | 91.9927% | 4,887 |
| Total domestic deposits to total assets | 80.5153% | 5,508 |
| Equity capital to assets | 7.1609% | 7,288 |
| Core capital (leverage) ratio | 8.1192% | 5,959 |
| Tier 1 risk-based capital ratio | 18.2237% | 1,837 |
| Total risk-based capital ratio | 18.4571% | 2,053 |
| Memoranda: | ||
| Average total assets | $141,542,800 | 4,087 |
| Average earning assets | $134,994,600 | 3,994 |
| Average equity | $10,215,600 | 5,236 |
| Average total loans | $87,580,600 | 4,283 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 6,695 |
| Cost of funding earning assets | 2.3050% | 1,967 |
| Net interest margin | 2.6659% | 7,272 |
| Noninterest income to average assets | 0.5664% | 3,957 |
| Noninterest expense to average assets | 3.0311% | 3,928 |
| Loan and lease loss provision to assets | 0.0086% | 7,239 |
| Net operating income to assets | 0.0885% | 5,504 |
| Return on assets (ROA) | 0.0961% | 5,529 |
| Pretax return on assets | 0.0876% | 5,550 |
| Return on Equity (ROE) | 1.3295% | 5,397 |
| Retained earnings to average equity (ytd only) | 1.3295% | 4,579 |
| Net charge-offs to loans | 0.0152% | 6,707 |
| Credit loss provision to net charge-offs | 90.0000% | 5,480 |
| Earnings coverage of net charge-offs (x) | 9.3023% | 2,124 |
| Efficiency ratio | 97.1620% | 1,200 |
| Assets per employee ($millions) | 3.4243% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1701% | 7,988 |
| Loan loss allowance to noncurrent loans | 431.4286% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 7,532 |
| Noncurrent loans to loans | 0.0394% | 7,415 |
| Net loans and leases to total assets | 61.6164% | 5,308 |
| Net loans and leases to deposits | 77.1712% | 4,868 |
| Net loans and leases to core deposits | 95.6864% | 4,841 |
| Total domestic deposits to total assets | 79.8438% | 5,498 |
| Equity capital to assets | 7.1609% | 7,517 |
| Core capital (leverage) ratio | 8.3154% | 5,809 |
| Tier 1 risk-based capital ratio | 18.0748% | 1,964 |
| Total risk-based capital ratio | 18.3035% | 2,208 |
| Memoranda: | ||
| Average total assets | $140,054,750 | 4,136 |
| Average earning assets | $134,137,500 | 4,035 |
| Average equity | $10,129,000 | 5,305 |
| Average total loans | $87,514,250 | 4,319 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 6,639 |
| Cost of funding earning assets | 2.3664% | 2,095 |
| Net interest margin | 2.6761% | 7,252 |
| Noninterest income to average assets | 0.6095% | 3,610 |
| Noninterest expense to average assets | 3.0649% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0978% | 5,572 |
| Return on assets (ROA) | 0.1081% | 5,641 |
| Pretax return on assets | 0.1210% | 5,625 |
| Return on Equity (ROE) | 1.4892% | 5,463 |
| Retained earnings to average equity (ytd only) | 1.4892% | 4,497 |
| Net charge-offs to loans | -0.0253% | 7,741 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5502% | 1,344 |
| Assets per employee ($millions) | 3.3892% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1911% | 8,071 |
| Loan loss allowance to noncurrent loans | 319.6078% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 7,521 |
| Noncurrent loans to loans | 0.0598% | 7,380 |
| Net loans and leases to total assets | 59.8172% | 5,708 |
| Net loans and leases to deposits | 74.9575% | 5,332 |
| Net loans and leases to core deposits | 92.2394% | 5,322 |
| Total domestic deposits to total assets | 79.8015% | 5,539 |
| Equity capital to assets | 7.1206% | 7,541 |
| Core capital (leverage) ratio | 8.3699% | 5,679 |
| Tier 1 risk-based capital ratio | 18.5661% | 1,868 |
| Total risk-based capital ratio | 18.8203% | 2,081 |
| Memoranda: | ||
| Average total assets | $138,799,000 | 4,195 |
| Average earning assets | $133,030,670 | 4,083 |
| Average equity | $10,072,330 | 5,343 |
| Average total loans | $87,096,000 | 4,358 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 6,286 |
| Cost of funding earning assets | 2.4565% | 2,084 |
| Net interest margin | 2.7456% | 7,103 |
| Noninterest income to average assets | 0.7064% | 2,847 |
| Noninterest expense to average assets | 3.0564% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2598% | 5,444 |
| Return on assets (ROA) | 0.2598% | 5,609 |
| Pretax return on assets | 0.2832% | 5,720 |
| Return on Equity (ROE) | 3.5456% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.5456% | 3,922 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5210% | 1,608 |
| Assets per employee ($millions) | 3.4375% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1727% | 8,131 |
| Loan loss allowance to noncurrent loans | 286.7925% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 7,500 |
| Noncurrent loans to loans | 0.0602% | 7,363 |
| Net loans and leases to total assets | 63.8950% | 5,010 |
| Net loans and leases to deposits | 80.6646% | 4,507 |
| Net loans and leases to core deposits | 98.9325% | 4,655 |
| Total domestic deposits to total assets | 79.2108% | 5,639 |
| Equity capital to assets | 7.3644% | 7,441 |
| Core capital (leverage) ratio | 8.6725% | 5,204 |
| Tier 1 risk-based capital ratio | 18.6969% | 1,885 |
| Total risk-based capital ratio | 18.9357% | 2,074 |
| Memoranda: | ||
| Average total assets | $137,025,000 | 4,249 |
| Average earning assets | $131,408,500 | 4,121 |
| Average equity | $10,040,500 | 5,372 |
| Average total loans | $87,988,500 | 4,359 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 7,292 |
| Cost of funding earning assets | 2.7431% | 2,958 |
| Net interest margin | 2.7610% | 7,393 |
| Noninterest income to average assets | 0.7079% | 3,075 |
| Noninterest expense to average assets | 3.0043% | 4,065 |
| Loan and lease loss provision to assets | 0.0299% | 7,027 |
| Net operating income to assets | 0.2615% | 5,678 |
| Return on assets (ROA) | 0.2664% | 5,477 |
| Pretax return on assets | 0.3240% | 5,459 |
| Return on Equity (ROE) | 3.3221% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.3221% | 3,078 |
| Net charge-offs to loans | 0.1438% | 4,778 |
| Credit loss provision to net charge-offs | 32.5203% | 6,504 |
| Earnings coverage of net charge-offs (x) | 3.7805% | 4,224 |
| Efficiency ratio | 89.6205% | 1,543 |
| Assets per employee ($millions) | 3.5013% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1728% | 8,181 |
| Loan loss allowance to noncurrent loans | 422.2222% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 7,492 |
| Noncurrent loans to loans | 0.0409% | 7,339 |
| Net loans and leases to total assets | 64.3115% | 5,206 |
| Net loans and leases to deposits | 81.7185% | 4,768 |
| Net loans and leases to core deposits | 99.6709% | 4,854 |
| Total domestic deposits to total assets | 78.6988% | 5,483 |
| Equity capital to assets | 7.2903% | 7,566 |
| Core capital (leverage) ratio | 8.6589% | 5,268 |
| Tier 1 risk-based capital ratio | 18.6111% | 1,890 |
| Total risk-based capital ratio | 18.8507% | 2,092 |
| Memoranda: | ||
| Average total assets | $133,643,800 | 4,209 |
| Average earning assets | $127,995,000 | 4,085 |
| Average equity | $10,716,200 | 5,208 |
| Average total loans | $85,551,400 | 4,343 |