Home > Spratt Savings Bank > Performance and Condition Ratios
Spratt Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,304 |
| Cost of funding earning assets | 1.0671% | 3,155 |
| Net interest margin | 2.5960% | 3,968 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.1390% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3814% | 3,910 |
| Return on assets (ROA) | 0.3814% | 3,902 |
| Pretax return on assets | 0.4944% | 3,822 |
| Return on Equity (ROE) | 1.9000% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.9029% | 3,602 |
| Net charge-offs to loans | 0.0023% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 739.0000% | 193 |
| Efficiency ratio | 81.0467% | 847 |
| Assets per employee ($millions) | 8.1464% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6286% | 169 |
| Loan loss allowance to noncurrent loans | 545.5399% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,551 |
| Noncurrent loans to loans | 0.4818% | 1,580 |
| Net loans and leases to total assets | 29.3500% | 4,308 |
| Net loans and leases to deposits | 37.0842% | 4,257 |
| Net loans and leases to core deposits | 40.3786% | 4,279 |
| Total domestic deposits to total assets | 79.1600% | 3,587 |
| Equity capital to assets | 20.6581% | 269 |
| Core capital (leverage) ratio | 20.8772% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $149,461,800 | 3,370 |
| Average earning assets | $141,603,800 | 3,331 |
| Average equity | $29,954,000 | 2,261 |
| Average total loans | $42,941,400 | 3,949 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 4,299 |
| Cost of funding earning assets | 0.9726% | 3,112 |
| Net interest margin | 2.6339% | 3,976 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.1069% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4404% | 3,891 |
| Return on assets (ROA) | 0.4404% | 3,892 |
| Pretax return on assets | 0.5665% | 3,791 |
| Return on Equity (ROE) | 2.2100% | 4,173 |
| Retained earnings to average equity (ytd only) | 2.2140% | 3,684 |
| Net charge-offs to loans | 0.0031% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 638.0000% | 246 |
| Efficiency ratio | 78.6450% | 960 |
| Assets per employee ($millions) | 8.0949% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7016% | 160 |
| Loan loss allowance to noncurrent loans | 435.2060% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,370 |
| Noncurrent loans to loans | 0.6208% | 1,310 |
| Net loans and leases to total assets | 28.7200% | 4,335 |
| Net loans and leases to deposits | 36.2916% | 4,288 |
| Net loans and leases to core deposits | 38.8590% | 4,280 |
| Total domestic deposits to total assets | 79.1400% | 3,671 |
| Equity capital to assets | 20.6363% | 271 |
| Core capital (leverage) ratio | 20.8231% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $150,168,500 | 3,364 |
| Average earning assets | $142,297,250 | 3,326 |
| Average equity | $29,869,500 | 2,256 |
| Average total loans | $42,625,250 | 3,967 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 4,295 |
| Cost of funding earning assets | 0.8821% | 2,981 |
| Net interest margin | 2.6782% | 4,004 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.0692% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5038% | 3,802 |
| Return on assets (ROA) | 0.5038% | 3,811 |
| Pretax return on assets | 0.6515% | 3,699 |
| Return on Equity (ROE) | 2.5600% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.5635% | 3,585 |
| Net charge-offs to loans | 0.0047% | 2,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 494.0000% | 296 |
| Efficiency ratio | 75.8604% | 1,184 |
| Assets per employee ($millions) | 7.8216% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6946% | 174 |
| Loan loss allowance to noncurrent loans | 422.5455% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 2,269 |
| Noncurrent loans to loans | 0.6377% | 1,169 |
| Net loans and leases to total assets | 28.2400% | 4,355 |
| Net loans and leases to deposits | 35.4574% | 4,305 |
| Net loans and leases to core deposits | 37.7351% | 4,299 |
| Total domestic deposits to total assets | 79.6300% | 3,625 |
| Equity capital to assets | 20.1937% | 278 |
| Core capital (leverage) ratio | 20.3070% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $151,655,000 | 3,361 |
| Average earning assets | $143,752,333 | 3,324 |
| Average equity | $29,803,000 | 2,268 |
| Average total loans | $42,496,333 | 3,981 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 4,335 |
| Cost of funding earning assets | 0.8205% | 2,655 |
| Net interest margin | 2.6211% | 4,188 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.0055% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5014% | 3,896 |
| Return on assets (ROA) | 0.5014% | 3,859 |
| Pretax return on assets | 0.6476% | 3,760 |
| Return on Equity (ROE) | 2.5900% | 4,231 |
| Retained earnings to average equity (ytd only) | 2.5859% | 3,583 |
| Net charge-offs to loans | 0.0095% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 430 |
| Efficiency ratio | 75.3937% | 1,213 |
| Assets per employee ($millions) | 8.4707% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7172% | 171 |
| Loan loss allowance to noncurrent loans | 334.8703% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 1,980 |
| Noncurrent loans to loans | 0.8114% | 943 |
| Net loans and leases to total assets | 27.2800% | 4,415 |
| Net loans and leases to deposits | 34.0097% | 4,379 |
| Net loans and leases to core deposits | 36.0940% | 4,364 |
| Total domestic deposits to total assets | 80.2300% | 3,731 |
| Equity capital to assets | 19.5707% | 248 |
| Core capital (leverage) ratio | 19.8323% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $153,177,000 | 3,396 |
| Average earning assets | $145,284,000 | 3,353 |
| Average equity | $29,699,500 | 2,307 |
| Average total loans | $42,183,000 | 4,033 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8135% | 4,310 |
| Cost of funding earning assets | 0.6016% | 897 |
| Net interest margin | 2.2119% | 4,471 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.9505% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2076% | 4,440 |
| Return on assets (ROA) | 0.2076% | 4,420 |
| Pretax return on assets | 0.2725% | 4,392 |
| Return on Equity (ROE) | 1.0800% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.0826% | 4,180 |
| Net charge-offs to loans | 0.0024% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 374 |
| Efficiency ratio | 87.3614% | 380 |
| Assets per employee ($millions) | 8.5489% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7955% | 151 |
| Loan loss allowance to noncurrent loans | 329.4618% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 1,996 |
| Noncurrent loans to loans | 0.8485% | 883 |
| Net loans and leases to total assets | 26.2800% | 4,472 |
| Net loans and leases to deposits | 32.7033% | 4,419 |
| Net loans and leases to core deposits | 34.7468% | 4,401 |
| Total domestic deposits to total assets | 80.3600% | 3,827 |
| Equity capital to assets | 19.2090% | 246 |
| Core capital (leverage) ratio | 19.3953% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,115,400 | 3,404 |
| Average earning assets | $146,116,000 | 3,359 |
| Average equity | $29,559,400 | 2,351 |
| Average total loans | $41,783,200 | 4,033 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6279% | 4,365 |
| Cost of funding earning assets | 0.5592% | 552 |
| Net interest margin | 2.0688% | 4,533 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.9311% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1219% | 4,533 |
| Return on assets (ROA) | 0.1219% | 4,502 |
| Pretax return on assets | 0.1496% | 4,494 |
| Return on Equity (ROE) | 0.6400% | 4,523 |
| Retained earnings to average equity (ytd only) | 0.6360% | 4,264 |
| Net charge-offs to loans | 0.0032% | 2,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 679 |
| Efficiency ratio | 92.4356% | 268 |
| Assets per employee ($millions) | 9.1324% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7523% | 169 |
| Loan loss allowance to noncurrent loans | 321.2707% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,066 |
| Noncurrent loans to loans | 0.8567% | 918 |
| Net loans and leases to total assets | 26.4700% | 4,499 |
| Net loans and leases to deposits | 32.7643% | 4,444 |
| Net loans and leases to core deposits | 34.7766% | 4,425 |
| Total domestic deposits to total assets | 80.7800% | 4,016 |
| Equity capital to assets | 18.8870% | 244 |
| Core capital (leverage) ratio | 19.3563% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $154,174,000 | 3,425 |
| Average earning assets | $146,170,250 | 3,385 |
| Average equity | $29,559,500 | 2,390 |
| Average total loans | $41,828,500 | 4,056 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4657% | 4,408 |
| Cost of funding earning assets | 0.5458% | 402 |
| Net interest margin | 1.9199% | 4,593 |
| Noninterest income to average assets | 0.1183% | 4,407 |
| Noninterest expense to average assets | 1.9257% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0182% | 4,569 |
| Return on assets (ROA) | 0.0182% | 4,542 |
| Pretax return on assets | 0.0130% | 4,536 |
| Return on Equity (ROE) | 0.0945% | 4,544 |
| Retained earnings to average equity (ytd only) | 0.0945% | 4,165 |
| Net charge-offs to loans | 0.0048% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,768 |
| Efficiency ratio | 98.9269% | 204 |
| Assets per employee ($millions) | 8.5819% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7825% | 177 |
| Loan loss allowance to noncurrent loans | 256.1674% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 1,826 |
| Noncurrent loans to loans | 1.0862% | 761 |
| Net loans and leases to total assets | 26.3046% | 4,552 |
| Net loans and leases to deposits | 32.5549% | 4,483 |
| Net loans and leases to core deposits | 34.4867% | 4,467 |
| Total domestic deposits to total assets | 80.8008% | 4,158 |
| Equity capital to assets | 19.0562% | 193 |
| Core capital (leverage) ratio | 19.4871% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,815,333 | 3,464 |
| Average earning assets | $145,840,333 | 3,438 |
| Average equity | $29,638,667 | 2,435 |
| Average total loans | $41,686,333 | 4,111 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3338% | 4,433 |
| Cost of funding earning assets | 0.5498% | 374 |
| Net interest margin | 1.7840% | 4,624 |
| Noninterest income to average assets | 0.1121% | 4,446 |
| Noninterest expense to average assets | 1.9025% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0652% | 4,579 |
| Return on assets (ROA) | -0.0652% | 4,561 |
| Pretax return on assets | -0.0990% | 4,568 |
| Return on Equity (ROE) | -0.3363% | 4,547 |
| Retained earnings to average equity (ytd only) | -0.3363% | 4,061 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0578% | 175 |
| Assets per employee ($millions) | 8.4941% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7875% | 197 |
| Loan loss allowance to noncurrent loans | 285.9951% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 2,081 |
| Noncurrent loans to loans | 0.9747% | 932 |
| Net loans and leases to total assets | 26.5506% | 4,543 |
| Net loans and leases to deposits | 32.9540% | 4,467 |
| Net loans and leases to core deposits | 34.9322% | 4,460 |
| Total domestic deposits to total assets | 80.5688% | 4,243 |
| Equity capital to assets | 19.3266% | 179 |
| Core capital (leverage) ratio | 19.3624% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,485,500 | 3,481 |
| Average earning assets | $145,516,500 | 3,456 |
| Average equity | $29,739,500 | 2,497 |
| Average total loans | $41,631,000 | 4,129 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4713% | 4,503 |
| Cost of funding earning assets | 0.6253% | 481 |
| Net interest margin | 1.8460% | 4,654 |
| Noninterest income to average assets | 0.2047% | 4,141 |
| Noninterest expense to average assets | 1.8861% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0532% | 4,657 |
| Return on assets (ROA) | 0.0827% | 4,644 |
| Pretax return on assets | 0.1064% | 4,632 |
| Return on Equity (ROE) | 0.4051% | 4,667 |
| Retained earnings to average equity (ytd only) | 0.4051% | 4,393 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0485% | 200 |
| Assets per employee ($millions) | 9.6299% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8045% | 188 |
| Loan loss allowance to noncurrent loans | 280.4819% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 2,203 |
| Noncurrent loans to loans | 0.9999% | 987 |
| Net loans and leases to total assets | 26.1815% | 4,622 |
| Net loans and leases to deposits | 32.5407% | 4,568 |
| Net loans and leases to core deposits | 34.4083% | 4,546 |
| Total domestic deposits to total assets | 80.4579% | 4,168 |
| Equity capital to assets | 19.4252% | 195 |
| Core capital (leverage) ratio | 19.7766% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,557,000 | 3,508 |
| Average earning assets | $139,923,800 | 3,476 |
| Average equity | $30,117,200 | 2,526 |
| Average total loans | $40,909,000 | 4,165 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5479% | 4,542 |
| Cost of funding earning assets | 0.6389% | 521 |
| Net interest margin | 1.9090% | 4,713 |
| Noninterest income to average assets | 0.2266% | 4,048 |
| Noninterest expense to average assets | 1.8877% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1119% | 4,691 |
| Return on assets (ROA) | 0.1480% | 4,684 |
| Pretax return on assets | 0.1946% | 4,669 |
| Return on Equity (ROE) | 0.7161% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.7161% | 4,467 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2835% | 265 |
| Assets per employee ($millions) | 8.1500% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8621% | 179 |
| Loan loss allowance to noncurrent loans | 260.4027% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 2,246 |
| Noncurrent loans to loans | 1.0991% | 1,024 |
| Net loans and leases to total assets | 26.9291% | 4,682 |
| Net loans and leases to deposits | 33.9676% | 4,626 |
| Net loans and leases to core deposits | 35.8817% | 4,612 |
| Total domestic deposits to total assets | 79.2788% | 4,318 |
| Equity capital to assets | 20.5153% | 175 |
| Core capital (leverage) ratio | 20.3117% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,926,750 | 3,561 |
| Average earning assets | $138,361,000 | 3,524 |
| Average equity | $30,164,000 | 2,553 |
| Average total loans | $40,760,250 | 4,230 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7212% | 4,432 |
| Cost of funding earning assets | 0.6481% | 580 |
| Net interest margin | 2.0731% | 4,666 |
| Noninterest income to average assets | 0.2526% | 3,883 |
| Noninterest expense to average assets | 1.8508% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2753% | 4,553 |
| Return on assets (ROA) | 0.3295% | 4,513 |
| Pretax return on assets | 0.4380% | 4,465 |
| Return on Equity (ROE) | 1.5901% | 4,640 |
| Retained earnings to average equity (ytd only) | 1.5901% | 4,222 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9932% | 616 |
| Assets per employee ($millions) | 8.1756% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8242% | 185 |
| Loan loss allowance to noncurrent loans | 307.1240% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 2,638 |
| Noncurrent loans to loans | 0.9196% | 1,342 |
| Net loans and leases to total assets | 27.2160% | 4,724 |
| Net loans and leases to deposits | 34.3774% | 4,672 |
| Net loans and leases to core deposits | 36.3921% | 4,659 |
| Total domestic deposits to total assets | 79.1683% | 4,324 |
| Equity capital to assets | 20.5443% | 170 |
| Core capital (leverage) ratio | 20.0583% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,669,000 | 3,569 |
| Average earning assets | $138,249,000 | 3,536 |
| Average equity | $30,186,667 | 2,537 |
| Average total loans | $40,790,667 | 4,260 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6592% | 4,517 |
| Cost of funding earning assets | 0.6503% | 691 |
| Net interest margin | 2.0089% | 4,725 |
| Noninterest income to average assets | 0.3064% | 3,577 |
| Noninterest expense to average assets | 1.8410% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2801% | 4,543 |
| Return on assets (ROA) | 0.3892% | 4,406 |
| Pretax return on assets | 0.5134% | 4,319 |
| Return on Equity (ROE) | 1.8698% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.8698% | 4,037 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6899% | 662 |
| Assets per employee ($millions) | 8.6469% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7862% | 189 |
| Loan loss allowance to noncurrent loans | 302.3377% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 2,835 |
| Noncurrent loans to loans | 0.9216% | 1,470 |
| Net loans and leases to total assets | 27.6285% | 4,757 |
| Net loans and leases to deposits | 34.8681% | 4,709 |
| Net loans and leases to core deposits | 37.0780% | 4,686 |
| Total domestic deposits to total assets | 79.2370% | 4,308 |
| Equity capital to assets | 20.5079% | 164 |
| Core capital (leverage) ratio | 20.4982% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.5102% | 59 |
| Memoranda: | ||
| Average total assets | $144,923,500 | 3,576 |
| Average earning assets | $137,786,000 | 3,541 |
| Average equity | $30,163,500 | 2,529 |
| Average total loans | $40,578,500 | 4,292 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8568% | 4,726 |
| Cost of funding earning assets | 0.7470% | 1,468 |
| Net interest margin | 2.1098% | 4,798 |
| Noninterest income to average assets | 0.3835% | 3,189 |
| Noninterest expense to average assets | 2.0105% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2919% | 4,443 |
| Return on assets (ROA) | 0.2924% | 4,509 |
| Pretax return on assets | 0.3777% | 4,449 |
| Return on Equity (ROE) | 1.3612% | 4,638 |
| Retained earnings to average equity (ytd only) | 1.3612% | 4,085 |
| Net charge-offs to loans | 0.0103% | 2,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 131.5000% | 642 |
| Efficiency ratio | 84.1189% | 621 |
| Assets per employee ($millions) | 7.9361% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9533% | 155 |
| Loan loss allowance to noncurrent loans | 297.4425% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 2,926 |
| Noncurrent loans to loans | 0.9929% | 1,425 |
| Net loans and leases to total assets | 26.7532% | 4,815 |
| Net loans and leases to deposits | 34.0297% | 4,784 |
| Net loans and leases to core deposits | 35.9544% | 4,778 |
| Total domestic deposits to total assets | 78.6174% | 4,249 |
| Equity capital to assets | 21.1278% | 162 |
| Core capital (leverage) ratio | 20.5750% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.8636% | 59 |
| Memoranda: | ||
| Average total assets | $139,515,800 | 3,515 |
| Average earning assets | $132,525,200 | 3,477 |
| Average equity | $29,974,600 | 2,476 |
| Average total loans | $38,949,400 | 4,328 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9847% | 4,745 |
| Cost of funding earning assets | 0.7563% | 1,696 |
| Net interest margin | 2.2284% | 4,803 |
| Noninterest income to average assets | 0.4038% | 3,057 |
| Noninterest expense to average assets | 1.9901% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4030% | 4,260 |
| Return on assets (ROA) | 0.4038% | 4,320 |
| Pretax return on assets | 0.5307% | 4,225 |
| Return on Equity (ROE) | 1.8714% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.8714% | 3,972 |
| Net charge-offs to loans | 0.0137% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 137.7500% | 642 |
| Efficiency ratio | 78.9775% | 944 |
| Assets per employee ($millions) | 8.5285% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8856% | 155 |
| Loan loss allowance to noncurrent loans | 292.4623% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 3,070 |
| Noncurrent loans to loans | 0.9867% | 1,517 |
| Net loans and leases to total assets | 27.0195% | 4,870 |
| Net loans and leases to deposits | 34.2595% | 4,852 |
| Net loans and leases to core deposits | 35.7528% | 4,848 |
| Total domestic deposits to total assets | 78.8673% | 4,072 |
| Equity capital to assets | 20.8485% | 183 |
| Core capital (leverage) ratio | 20.3798% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.0616% | 72 |
| Memoranda: | ||
| Average total assets | $138,682,250 | 3,520 |
| Average earning assets | $131,690,250 | 3,477 |
| Average equity | $29,923,000 | 2,475 |
| Average total loans | $38,841,750 | 4,357 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2193% | 4,704 |
| Cost of funding earning assets | 0.7744% | 1,966 |
| Net interest margin | 2.4449% | 4,770 |
| Noninterest income to average assets | 0.4935% | 2,602 |
| Noninterest expense to average assets | 2.0310% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5934% | 3,764 |
| Return on assets (ROA) | 0.5945% | 3,835 |
| Pretax return on assets | 0.7849% | 3,634 |
| Return on Equity (ROE) | 2.7229% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.7229% | 3,492 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1644% | 1,657 |
| Assets per employee ($millions) | 8.3789% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8297% | 162 |
| Loan loss allowance to noncurrent loans | 283.2524% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 3,165 |
| Noncurrent loans to loans | 0.9990% | 1,556 |
| Net loans and leases to total assets | 28.1336% | 4,887 |
| Net loans and leases to deposits | 36.0329% | 4,863 |
| Net loans and leases to core deposits | 37.4639% | 4,862 |
| Total domestic deposits to total assets | 78.0774% | 4,182 |
| Equity capital to assets | 21.2472% | 169 |
| Core capital (leverage) ratio | 21.1460% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.3019% | 53 |
| Memoranda: | ||
| Average total assets | $136,581,667 | 3,525 |
| Average earning assets | $129,656,667 | 3,480 |
| Average equity | $29,821,667 | 2,480 |
| Average total loans | $38,343,000 | 4,376 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0594% | 4,927 |
| Cost of funding earning assets | 0.7906% | 2,451 |
| Net interest margin | 2.2688% | 4,932 |
| Noninterest income to average assets | 0.7362% | 1,511 |
| Noninterest expense to average assets | 2.1279% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5932% | 3,614 |
| Return on assets (ROA) | 0.5956% | 3,663 |
| Pretax return on assets | 0.7841% | 3,453 |
| Return on Equity (ROE) | 2.6892% | 4,293 |
| Retained earnings to average equity (ytd only) | 2.6892% | 3,199 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1481% | 1,924 |
| Assets per employee ($millions) | 7.6051% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0711% | 141 |
| Loan loss allowance to noncurrent loans | 345.2663% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 3,470 |
| Noncurrent loans to loans | 0.8895% | 1,836 |
| Net loans and leases to total assets | 26.9061% | 4,949 |
| Net loans and leases to deposits | 34.5620% | 4,928 |
| Net loans and leases to core deposits | 35.8888% | 4,928 |
| Total domestic deposits to total assets | 77.8488% | 4,241 |
| Equity capital to assets | 21.8758% | 175 |
| Core capital (leverage) ratio | 21.7314% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.8879% | 54 |
| Memoranda: | ||
| Average total assets | $133,651,500 | 3,538 |
| Average earning assets | $127,999,000 | 3,470 |
| Average equity | $29,600,000 | 2,481 |
| Average total loans | $36,894,000 | 4,435 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 4,894 |
| Cost of funding earning assets | 0.7526% | 2,902 |
| Net interest margin | 2.6879% | 4,846 |
| Noninterest income to average assets | 0.1685% | 4,646 |
| Noninterest expense to average assets | 2.1620% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4678% | 4,474 |
| Return on assets (ROA) | 0.4094% | 4,611 |
| Pretax return on assets | 0.5163% | 4,543 |
| Return on Equity (ROE) | 1.7275% | 4,829 |
| Retained earnings to average equity (ytd only) | 1.7275% | 4,112 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5544% | 1,087 |
| Assets per employee ($millions) | 7.2451% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2608% | 100 |
| Loan loss allowance to noncurrent loans | 383.8816% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 3,511 |
| Noncurrent loans to loans | 0.8494% | 1,814 |
| Net loans and leases to total assets | 26.5482% | 5,015 |
| Net loans and leases to deposits | 34.2904% | 4,995 |
| Net loans and leases to core deposits | 35.6773% | 4,996 |
| Total domestic deposits to total assets | 77.4216% | 4,443 |
| Equity capital to assets | 22.4320% | 168 |
| Core capital (leverage) ratio | 22.7486% | 160 |
| Tier 1 risk-based capital ratio | 66.6027% | 75 |
| Total risk-based capital ratio | 67.8701% | 74 |
| Memoranda: | ||
| Average total assets | $121,646,400 | 3,675 |
| Average earning assets | $116,929,800 | 3,600 |
| Average equity | $28,827,000 | 2,457 |
| Average total loans | $35,385,000 | 4,520 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 4,939 |
| Cost of funding earning assets | 0.7402% | 3,013 |
| Net interest margin | 2.7882% | 4,868 |
| Noninterest income to average assets | 0.1652% | 4,726 |
| Noninterest expense to average assets | 2.1564% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5481% | 4,406 |
| Return on assets (ROA) | 0.4688% | 4,623 |
| Pretax return on assets | 0.5949% | 4,548 |
| Return on Equity (ROE) | 1.9498% | 4,901 |
| Retained earnings to average equity (ytd only) | 1.9498% | 4,294 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6164% | 1,367 |
| Assets per employee ($millions) | 7.0585% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2709% | 105 |
| Loan loss allowance to noncurrent loans | 447.1264% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,704 |
| Noncurrent loans to loans | 0.7315% | 2,137 |
| Net loans and leases to total assets | 28.7606% | 5,070 |
| Net loans and leases to deposits | 38.1072% | 5,033 |
| Net loans and leases to core deposits | 39.8271% | 5,040 |
| Total domestic deposits to total assets | 75.4729% | 4,700 |
| Equity capital to assets | 24.3579% | 137 |
| Core capital (leverage) ratio | 24.3316% | 133 |
| Tier 1 risk-based capital ratio | 66.5256% | 77 |
| Total risk-based capital ratio | 67.7927% | 76 |
| Memoranda: | ||
| Average total assets | $119,455,000 | 3,752 |
| Average earning assets | $115,101,750 | 3,666 |
| Average equity | $28,720,250 | 2,479 |
| Average total loans | $35,284,000 | 4,584 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 4,980 |
| Cost of funding earning assets | 0.7214% | 3,037 |
| Net interest margin | 2.8232% | 4,900 |
| Noninterest income to average assets | 0.1593% | 4,789 |
| Noninterest expense to average assets | 2.1161% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6085% | 4,288 |
| Return on assets (ROA) | 0.4879% | 4,587 |
| Pretax return on assets | 0.6204% | 4,506 |
| Return on Equity (ROE) | 2.0385% | 4,935 |
| Retained earnings to average equity (ytd only) | 2.0385% | 4,101 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2443% | 1,738 |
| Assets per employee ($millions) | 6.6464% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2405% | 101 |
| Loan loss allowance to noncurrent loans | 443.7262% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,695 |
| Noncurrent loans to loans | 0.7303% | 2,164 |
| Net loans and leases to total assets | 29.1267% | 5,111 |
| Net loans and leases to deposits | 38.5234% | 5,070 |
| Net loans and leases to core deposits | 40.3974% | 5,075 |
| Total domestic deposits to total assets | 75.6077% | 4,712 |
| Equity capital to assets | 24.2293% | 134 |
| Core capital (leverage) ratio | 24.3505% | 126 |
| Tier 1 risk-based capital ratio | 67.5657% | 75 |
| Total risk-based capital ratio | 68.8325% | 73 |
| Memoranda: | ||
| Average total assets | $119,275,330 | 3,780 |
| Average earning assets | $115,329,000 | 3,687 |
| Average equity | $28,551,000 | 2,481 |
| Average total loans | $35,152,670 | 4,623 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4132% | 5,102 |
| Cost of funding earning assets | 0.7055% | 3,021 |
| Net interest margin | 2.7078% | 5,058 |
| Noninterest income to average assets | 0.1579% | 4,791 |
| Noninterest expense to average assets | 1.9984% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6146% | 4,193 |
| Return on assets (ROA) | 0.6146% | 4,234 |
| Pretax return on assets | 0.7893% | 4,069 |
| Return on Equity (ROE) | 2.5836% | 4,875 |
| Retained earnings to average equity (ytd only) | 2.5836% | 3,894 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6867% | 2,083 |
| Assets per employee ($millions) | 6.6579% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3311% | 98 |
| Loan loss allowance to noncurrent loans | 442.0455% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,744 |
| Noncurrent loans to loans | 0.7536% | 2,148 |
| Net loans and leases to total assets | 28.2586% | 5,178 |
| Net loans and leases to deposits | 37.1917% | 5,129 |
| Net loans and leases to core deposits | 38.8492% | 5,129 |
| Total domestic deposits to total assets | 75.9811% | 4,761 |
| Equity capital to assets | 23.8270% | 133 |
| Core capital (leverage) ratio | 24.3569% | 123 |
| Tier 1 risk-based capital ratio | 67.0532% | 69 |
| Total risk-based capital ratio | 68.3199% | 69 |
| Memoranda: | ||
| Average total assets | $119,095,000 | 3,818 |
| Average earning assets | $115,667,500 | 3,721 |
| Average equity | $28,333,000 | 2,497 |
| Average total loans | $34,722,500 | 4,678 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1967% | 5,151 |
| Cost of funding earning assets | 0.6564% | 2,344 |
| Net interest margin | 2.5403% | 5,194 |
| Noninterest income to average assets | 0.1593% | 4,924 |
| Noninterest expense to average assets | 2.1377% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4026% | 4,860 |
| Return on assets (ROA) | 0.4012% | 4,855 |
| Pretax return on assets | 0.5019% | 4,792 |
| Return on Equity (ROE) | 1.6725% | 5,084 |
| Retained earnings to average equity (ytd only) | 1.6725% | 4,478 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9322% | 879 |
| Assets per employee ($millions) | 6.9616% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3913% | 88 |
| Loan loss allowance to noncurrent loans | 438.7218% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 3,705 |
| Noncurrent loans to loans | 0.7730% | 2,070 |
| Net loans and leases to total assets | 28.0911% | 5,232 |
| Net loans and leases to deposits | 36.9200% | 5,179 |
| Net loans and leases to core deposits | 38.4624% | 5,183 |
| Total domestic deposits to total assets | 76.0864% | 4,747 |
| Equity capital to assets | 23.7530% | 132 |
| Core capital (leverage) ratio | 24.6213% | 121 |
| Tier 1 risk-based capital ratio | 69.1562% | 66 |
| Total risk-based capital ratio | 70.4250% | 67 |
| Memoranda: | ||
| Average total assets | $116,154,400 | 3,850 |
| Average earning assets | $113,491,200 | 3,747 |
| Average equity | $27,862,400 | 2,465 |
| Average total loans | $33,183,000 | 4,742 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1355% | 5,231 |
| Cost of funding earning assets | 0.6429% | 2,186 |
| Net interest margin | 2.4926% | 5,285 |
| Noninterest income to average assets | 0.1569% | 4,992 |
| Noninterest expense to average assets | 2.1509% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3550% | 5,023 |
| Return on assets (ROA) | 0.3541% | 5,023 |
| Pretax return on assets | 0.4417% | 4,982 |
| Return on Equity (ROE) | 1.4724% | 5,190 |
| Retained earnings to average equity (ytd only) | 1.4724% | 4,736 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9257% | 707 |
| Assets per employee ($millions) | 6.4646% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4577% | 88 |
| Loan loss allowance to noncurrent loans | 435.4478% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 3,794 |
| Noncurrent loans to loans | 0.7941% | 2,121 |
| Net loans and leases to total assets | 28.0020% | 5,304 |
| Net loans and leases to deposits | 36.8335% | 5,258 |
| Net loans and leases to core deposits | 38.3969% | 5,262 |
| Total domestic deposits to total assets | 76.0233% | 4,787 |
| Equity capital to assets | 23.8177% | 128 |
| Core capital (leverage) ratio | 24.2277% | 122 |
| Tier 1 risk-based capital ratio | 70.8809% | 59 |
| Total risk-based capital ratio | 72.1489% | 59 |
| Memoranda: | ||
| Average total assets | $115,606,250 | 3,897 |
| Average earning assets | $113,026,250 | 3,799 |
| Average equity | $27,800,250 | 2,474 |
| Average total loans | $32,875,750 | 4,798 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0571% | 5,307 |
| Cost of funding earning assets | 0.6185% | 2,118 |
| Net interest margin | 2.4386% | 5,370 |
| Noninterest income to average assets | 0.1647% | 5,004 |
| Noninterest expense to average assets | 2.1932% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2909% | 5,130 |
| Return on assets (ROA) | 0.2895% | 5,124 |
| Pretax return on assets | 0.3554% | 5,101 |
| Return on Equity (ROE) | 1.2002% | 5,253 |
| Retained earnings to average equity (ytd only) | 1.2002% | 4,714 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9959% | 567 |
| Assets per employee ($millions) | 7.3551% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5412% | 78 |
| Loan loss allowance to noncurrent loans | 433.8290% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 3,861 |
| Noncurrent loans to loans | 0.8163% | 2,094 |
| Net loans and leases to total assets | 27.0120% | 5,371 |
| Net loans and leases to deposits | 35.5094% | 5,330 |
| Net loans and leases to core deposits | 36.9938% | 5,334 |
| Total domestic deposits to total assets | 76.0701% | 4,847 |
| Equity capital to assets | 23.5637% | 133 |
| Core capital (leverage) ratio | 24.5167% | 113 |
| Tier 1 risk-based capital ratio | 71.3607% | 62 |
| Total risk-based capital ratio | 72.6310% | 62 |
| Memoranda: | ||
| Average total assets | $115,354,000 | 3,933 |
| Average earning assets | $112,852,670 | 3,831 |
| Average equity | $27,828,670 | 2,478 |
| Average total loans | $32,584,000 | 4,852 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0355% | 5,352 |
| Cost of funding earning assets | 0.6085% | 2,000 |
| Net interest margin | 2.4270% | 5,431 |
| Noninterest income to average assets | 0.1541% | 5,093 |
| Noninterest expense to average assets | 2.2033% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2662% | 5,146 |
| Return on assets (ROA) | 0.2662% | 5,147 |
| Pretax return on assets | 0.3258% | 5,137 |
| Return on Equity (ROE) | 1.0905% | 5,297 |
| Retained earnings to average equity (ytd only) | 1.0905% | 4,605 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1191% | 579 |
| Assets per employee ($millions) | 6.3811% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5700% | 85 |
| Loan loss allowance to noncurrent loans | 490.3361% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 4,054 |
| Noncurrent loans to loans | 0.7281% | 2,392 |
| Net loans and leases to total assets | 27.4441% | 5,419 |
| Net loans and leases to deposits | 36.2547% | 5,356 |
| Net loans and leases to core deposits | 37.2645% | 5,368 |
| Total domestic deposits to total assets | 75.6980% | 5,000 |
| Equity capital to assets | 24.1574% | 117 |
| Core capital (leverage) ratio | 24.8642% | 109 |
| Tier 1 risk-based capital ratio | 71.7898% | 61 |
| Total risk-based capital ratio | 73.0592% | 61 |
| Memoranda: | ||
| Average total assets | $114,190,500 | 3,987 |
| Average earning assets | $111,743,500 | 3,893 |
| Average equity | $27,878,000 | 2,505 |
| Average total loans | $32,398,500 | 4,909 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9556% | 5,383 |
| Cost of funding earning assets | 0.6047% | 1,566 |
| Net interest margin | 2.3509% | 5,486 |
| Noninterest income to average assets | 0.1604% | 5,160 |
| Noninterest expense to average assets | 2.1362% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2037% | 5,100 |
| Return on assets (ROA) | 0.2242% | 5,080 |
| Pretax return on assets | 0.3571% | 5,145 |
| Return on Equity (ROE) | 0.9052% | 5,244 |
| Retained earnings to average equity (ytd only) | 0.9052% | 4,662 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7531% | 595 |
| Assets per employee ($millions) | 6.3068% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6346% | 82 |
| Loan loss allowance to noncurrent loans | 488.2845% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 4,082 |
| Noncurrent loans to loans | 0.7444% | 2,346 |
| Net loans and leases to total assets | 27.2555% | 5,488 |
| Net loans and leases to deposits | 36.2579% | 5,424 |
| Net loans and leases to core deposits | 37.2842% | 5,432 |
| Total domestic deposits to total assets | 75.1713% | 5,074 |
| Equity capital to assets | 24.6728% | 105 |
| Core capital (leverage) ratio | 25.0544% | 98 |
| Tier 1 risk-based capital ratio | 74.4529% | 56 |
| Total risk-based capital ratio | 75.7253% | 56 |
| Memoranda: | ||
| Average total assets | $112,866,600 | 4,011 |
| Average earning assets | $110,468,200 | 3,905 |
| Average equity | $27,948,600 | 2,493 |
| Average total loans | $32,631,200 | 4,940 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9473% | 5,446 |
| Cost of funding earning assets | 0.6032% | 1,511 |
| Net interest margin | 2.3440% | 5,552 |
| Noninterest income to average assets | 0.1573% | 5,229 |
| Noninterest expense to average assets | 2.0987% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2595% | 5,286 |
| Return on assets (ROA) | 0.2910% | 5,253 |
| Pretax return on assets | 0.3951% | 5,197 |
| Return on Equity (ROE) | 1.1742% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.1742% | 4,928 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5695% | 650 |
| Assets per employee ($millions) | 6.2645% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6084% | 90 |
| Loan loss allowance to noncurrent loans | 911.7188% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 4,677 |
| Noncurrent loans to loans | 0.3958% | 3,537 |
| Net loans and leases to total assets | 27.6461% | 5,540 |
| Net loans and leases to deposits | 36.9028% | 5,484 |
| Net loans and leases to core deposits | 37.6843% | 5,498 |
| Total domestic deposits to total assets | 74.9160% | 5,135 |
| Equity capital to assets | 24.9297% | 103 |
| Core capital (leverage) ratio | 24.7355% | 102 |
| Tier 1 risk-based capital ratio | 72.0989% | 59 |
| Total risk-based capital ratio | 73.3698% | 59 |
| Memoranda: | ||
| Average total assets | $112,702,750 | 4,057 |
| Average earning assets | $110,290,750 | 3,949 |
| Average equity | $27,933,500 | 2,510 |
| Average total loans | $32,762,000 | 4,982 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9179% | 5,496 |
| Cost of funding earning assets | 0.5970% | 1,469 |
| Net interest margin | 2.3209% | 5,599 |
| Noninterest income to average assets | 0.1509% | 5,309 |
| Noninterest expense to average assets | 2.0589% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2702% | 5,288 |
| Return on assets (ROA) | 0.2662% | 5,316 |
| Pretax return on assets | 0.3568% | 5,257 |
| Return on Equity (ROE) | 1.0763% | 5,462 |
| Retained earnings to average equity (ytd only) | 1.0763% | 4,814 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0440% | 758 |
| Assets per employee ($millions) | 6.3167% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4923% | 95 |
| Loan loss allowance to noncurrent loans | 2,431.2500% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,074 |
| Noncurrent loans to loans | 0.1436% | 4,548 |
| Net loans and leases to total assets | 28.3632% | 5,574 |
| Net loans and leases to deposits | 37.8265% | 5,512 |
| Net loans and leases to core deposits | 38.5031% | 5,534 |
| Total domestic deposits to total assets | 74.9824% | 5,201 |
| Equity capital to assets | 24.6500% | 106 |
| Core capital (leverage) ratio | 24.7533% | 101 |
| Tier 1 risk-based capital ratio | 69.3426% | 64 |
| Total risk-based capital ratio | 70.6110% | 63 |
| Memoranda: | ||
| Average total assets | $112,683,330 | 4,084 |
| Average earning assets | $110,217,330 | 3,972 |
| Average equity | $27,874,330 | 2,515 |
| Average total loans | $32,902,330 | 5,011 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8950% | 5,545 |
| Cost of funding earning assets | 0.5943% | 1,415 |
| Net interest margin | 2.3007% | 5,664 |
| Noninterest income to average assets | 0.1533% | 5,349 |
| Noninterest expense to average assets | 2.0575% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2622% | 5,284 |
| Return on assets (ROA) | 0.2567% | 5,312 |
| Pretax return on assets | 0.3388% | 5,251 |
| Return on Equity (ROE) | 1.0360% | 5,486 |
| Retained earnings to average equity (ytd only) | 1.0360% | 4,643 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6083% | 833 |
| Assets per employee ($millions) | 6.3557% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5578% | 113 |
| Loan loss allowance to noncurrent loans | 2,431.2500% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 5,139 |
| Noncurrent loans to loans | 0.1463% | 4,599 |
| Net loans and leases to total assets | 27.6516% | 5,637 |
| Net loans and leases to deposits | 36.6278% | 5,564 |
| Net loans and leases to core deposits | 37.2730% | 5,592 |
| Total domestic deposits to total assets | 75.4934% | 5,288 |
| Equity capital to assets | 24.3475% | 113 |
| Core capital (leverage) ratio | 25.1512% | 98 |
| Tier 1 risk-based capital ratio | 68.9578% | 66 |
| Total risk-based capital ratio | 70.2276% | 65 |
| Memoranda: | ||
| Average total assets | $112,175,000 | 4,128 |
| Average earning assets | $109,707,500 | 4,020 |
| Average equity | $27,798,000 | 2,529 |
| Average total loans | $32,645,500 | 5,071 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8786% | 5,597 |
| Cost of funding earning assets | 0.6008% | 1,325 |
| Net interest margin | 2.2778% | 5,718 |
| Noninterest income to average assets | 0.1645% | 5,391 |
| Noninterest expense to average assets | 2.1349% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1951% | 5,428 |
| Return on assets (ROA) | 0.2477% | 5,394 |
| Pretax return on assets | 0.3243% | 5,338 |
| Return on Equity (ROE) | 0.9504% | 5,575 |
| Retained earnings to average equity (ytd only) | 0.9504% | 4,942 |
| Net charge-offs to loans | 0.0156% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 54.6000% | 956 |
| Efficiency ratio | 89.3234% | 596 |
| Assets per employee ($millions) | 6.1082% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5919% | 103 |
| Loan loss allowance to noncurrent loans | 2,431.2500% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 5,173 |
| Noncurrent loans to loans | 0.1477% | 4,642 |
| Net loans and leases to total assets | 28.4889% | 5,669 |
| Net loans and leases to deposits | 38.2034% | 5,599 |
| Net loans and leases to core deposits | 39.0357% | 5,620 |
| Total domestic deposits to total assets | 74.5716% | 5,393 |
| Equity capital to assets | 25.2319% | 98 |
| Core capital (leverage) ratio | 25.4714% | 92 |
| Tier 1 risk-based capital ratio | 69.3094% | 61 |
| Total risk-based capital ratio | 70.5790% | 60 |
| Memoranda: | ||
| Average total assets | $106,985,000 | 4,225 |
| Average earning assets | $104,528,600 | 4,105 |
| Average equity | $27,884,400 | 2,517 |
| Average total loans | $32,060,600 | 5,133 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8748% | 5,674 |
| Cost of funding earning assets | 0.5960% | 1,363 |
| Net interest margin | 2.2787% | 5,787 |
| Noninterest income to average assets | 0.1569% | 5,490 |
| Noninterest expense to average assets | 2.1321% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1867% | 5,488 |
| Return on assets (ROA) | 0.2610% | 5,442 |
| Pretax return on assets | 0.3501% | 5,377 |
| Return on Equity (ROE) | 0.9933% | 5,643 |
| Retained earnings to average equity (ytd only) | 0.9933% | 5,090 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4681% | 593 |
| Assets per employee ($millions) | 6.0239% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6368% | 100 |
| Loan loss allowance to noncurrent loans | 1,542.1053% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 5,158 |
| Noncurrent loans to loans | 0.2358% | 4,427 |
| Net loans and leases to total assets | 28.6394% | 5,740 |
| Net loans and leases to deposits | 38.7449% | 5,663 |
| Net loans and leases to core deposits | 39.3632% | 5,697 |
| Total domestic deposits to total assets | 73.9180% | 5,443 |
| Equity capital to assets | 25.9040% | 91 |
| Core capital (leverage) ratio | 25.8777% | 89 |
| Tier 1 risk-based capital ratio | 69.0225% | 65 |
| Total risk-based capital ratio | 70.2920% | 66 |
| Memoranda: | ||
| Average total assets | $106,244,250 | 4,275 |
| Average earning assets | $103,797,500 | 4,150 |
| Average equity | $27,920,000 | 2,534 |
| Average total loans | $31,953,250 | 5,182 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8871% | 5,743 |
| Cost of funding earning assets | 0.5922% | 1,380 |
| Net interest margin | 2.2949% | 5,864 |
| Noninterest income to average assets | 0.1573% | 5,531 |
| Noninterest expense to average assets | 2.1362% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1932% | 5,536 |
| Return on assets (ROA) | 0.2521% | 5,491 |
| Pretax return on assets | 0.3412% | 5,433 |
| Return on Equity (ROE) | 0.9546% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.9546% | 5,012 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0909% | 646 |
| Assets per employee ($millions) | 5.9997% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6043% | 112 |
| Loan loss allowance to noncurrent loans | 984.8739% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 5,070 |
| Noncurrent loans to loans | 0.3660% | 4,051 |
| Net loans and leases to total assets | 29.0245% | 5,801 |
| Net loans and leases to deposits | 39.3371% | 5,710 |
| Net loans and leases to core deposits | 40.0970% | 5,742 |
| Total domestic deposits to total assets | 73.7840% | 5,538 |
| Equity capital to assets | 25.9938% | 84 |
| Core capital (leverage) ratio | 26.0943% | 81 |
| Tier 1 risk-based capital ratio | 70.3170% | 67 |
| Total risk-based capital ratio | 71.5860% | 67 |
| Memoranda: | ||
| Average total assets | $105,515,330 | 4,325 |
| Average earning assets | $103,009,000 | 4,196 |
| Average equity | $27,864,000 | 2,544 |
| Average total loans | $31,862,330 | 5,234 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9314% | 5,750 |
| Cost of funding earning assets | 0.5933% | 1,375 |
| Net interest margin | 2.3380% | 5,907 |
| Noninterest income to average assets | 0.1458% | 5,613 |
| Noninterest expense to average assets | 2.1409% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2187% | 5,491 |
| Return on assets (ROA) | 0.2187% | 5,552 |
| Pretax return on assets | 0.2877% | 5,530 |
| Return on Equity (ROE) | 0.8219% | 5,722 |
| Retained earnings to average equity (ytd only) | 0.8219% | 4,894 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1517% | 802 |
| Assets per employee ($millions) | 5.8315% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6363% | 115 |
| Loan loss allowance to noncurrent loans | 1,316.8539% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 5,241 |
| Noncurrent loans to loans | 0.2761% | 4,445 |
| Net loans and leases to total assets | 29.5893% | 5,835 |
| Net loans and leases to deposits | 40.3794% | 5,701 |
| Net loans and leases to core deposits | 41.1879% | 5,742 |
| Total domestic deposits to total assets | 73.2783% | 5,667 |
| Equity capital to assets | 26.5274% | 74 |
| Core capital (leverage) ratio | 26.7083% | 74 |
| Tier 1 risk-based capital ratio | 69.6250% | 69 |
| Total risk-based capital ratio | 70.8943% | 68 |
| Memoranda: | ||
| Average total assets | $104,257,500 | 4,384 |
| Average earning assets | $101,795,000 | 4,255 |
| Average equity | $27,741,500 | 2,546 |
| Average total loans | $31,535,000 | 5,287 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8251% | 5,863 |
| Cost of funding earning assets | 0.5784% | 1,510 |
| Net interest margin | 2.2467% | 5,974 |
| Noninterest income to average assets | 0.1919% | 5,439 |
| Noninterest expense to average assets | 2.1161% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2045% | 5,560 |
| Return on assets (ROA) | 0.2396% | 5,567 |
| Pretax return on assets | 0.3182% | 5,484 |
| Return on Equity (ROE) | 0.9277% | 5,785 |
| Retained earnings to average equity (ytd only) | 0.9277% | 5,147 |
| Net charge-offs to loans | 0.0579% | 3,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.1111% | 2,154 |
| Efficiency ratio | 88.6319% | 787 |
| Assets per employee ($millions) | 5.7527% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8004% | 96 |
| Loan loss allowance to noncurrent loans | 503.0043% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 4,689 |
| Noncurrent loans to loans | 0.7555% | 2,916 |
| Net loans and leases to total assets | 28.6505% | 5,926 |
| Net loans and leases to deposits | 39.2135% | 5,801 |
| Net loans and leases to core deposits | 40.0219% | 5,820 |
| Total domestic deposits to total assets | 73.0627% | 5,719 |
| Equity capital to assets | 26.6910% | 71 |
| Core capital (leverage) ratio | 26.0657% | 77 |
| Tier 1 risk-based capital ratio | 70.4575% | 67 |
| Total risk-based capital ratio | 71.7268% | 67 |
| Memoranda: | ||
| Average total assets | $106,849,600 | 4,317 |
| Average earning assets | $104,419,400 | 4,178 |
| Average equity | $27,594,400 | 2,497 |
| Average total loans | $31,088,400 | 5,322 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7983% | 5,959 |
| Cost of funding earning assets | 0.5700% | 1,629 |
| Net interest margin | 2.2282% | 6,068 |
| Noninterest income to average assets | 0.1635% | 5,665 |
| Noninterest expense to average assets | 2.0778% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1950% | 5,692 |
| Return on assets (ROA) | 0.2637% | 5,628 |
| Pretax return on assets | 0.3566% | 5,543 |
| Return on Equity (ROE) | 1.0296% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.0296% | 5,306 |
| Net charge-offs to loans | 0.0770% | 2,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.8329% | 2,456 |
| Efficiency ratio | 88.7361% | 783 |
| Assets per employee ($millions) | 5.9098% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7910% | 106 |
| Loan loss allowance to noncurrent loans | 1,028.0702% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 5,318 |
| Noncurrent loans to loans | 0.3688% | 4,293 |
| Net loans and leases to total assets | 27.9603% | 6,027 |
| Net loans and leases to deposits | 37.9273% | 5,931 |
| Net loans and leases to core deposits | 38.8087% | 5,950 |
| Total domestic deposits to total assets | 73.7206% | 5,735 |
| Equity capital to assets | 26.0472% | 85 |
| Core capital (leverage) ratio | 25.6816% | 82 |
| Tier 1 risk-based capital ratio | 69.7806% | 71 |
| Total risk-based capital ratio | 71.0497% | 71 |
| Memoranda: | ||
| Average total assets | $107,675,000 | 4,352 |
| Average earning assets | $105,252,750 | 4,201 |
| Average equity | $27,583,500 | 2,508 |
| Average total loans | $31,150,750 | 5,379 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7949% | 6,021 |
| Cost of funding earning assets | 0.5639% | 1,693 |
| Net interest margin | 2.2310% | 6,134 |
| Noninterest income to average assets | 0.1573% | 5,766 |
| Noninterest expense to average assets | 2.0239% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2250% | 5,635 |
| Return on assets (ROA) | 0.3182% | 5,480 |
| Pretax return on assets | 0.4440% | 5,366 |
| Return on Equity (ROE) | 1.2490% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.2490% | 5,054 |
| Net charge-offs to loans | 0.1153% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.4444% | 2,452 |
| Efficiency ratio | 86.5506% | 1,017 |
| Assets per employee ($millions) | 6.0076% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8109% | 124 |
| Loan loss allowance to noncurrent loans | 3,084.2105% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,726 |
| Noncurrent loans to loans | 0.1236% | 5,260 |
| Net loans and leases to total assets | 27.3563% | 6,106 |
| Net loans and leases to deposits | 36.8421% | 6,009 |
| Net loans and leases to core deposits | 37.6759% | 6,033 |
| Total domestic deposits to total assets | 74.2528% | 5,763 |
| Equity capital to assets | 25.4938% | 88 |
| Core capital (leverage) ratio | 25.4730% | 88 |
| Tier 1 risk-based capital ratio | 70.6286% | 72 |
| Total risk-based capital ratio | 71.8997% | 72 |
| Memoranda: | ||
| Average total assets | $108,108,000 | 4,380 |
| Average earning assets | $105,691,670 | 4,225 |
| Average equity | $27,542,000 | 2,511 |
| Average total loans | $31,229,330 | 5,429 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8262% | 6,051 |
| Cost of funding earning assets | 0.5599% | 1,754 |
| Net interest margin | 2.2663% | 6,175 |
| Noninterest income to average assets | 0.1295% | 5,951 |
| Noninterest expense to average assets | 1.9724% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2605% | 5,532 |
| Return on assets (ROA) | 0.4367% | 5,043 |
| Pretax return on assets | 0.6291% | 4,837 |
| Return on Equity (ROE) | 1.7146% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.7146% | 4,789 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0694% | 1,377 |
| Assets per employee ($millions) | 5.9436% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7215% | 150 |
| Loan loss allowance to noncurrent loans | 1,724.6377% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 5,675 |
| Noncurrent loans to loans | 0.2158% | 5,010 |
| Net loans and leases to total assets | 28.7760% | 6,115 |
| Net loans and leases to deposits | 38.9046% | 5,954 |
| Net loans and leases to core deposits | 39.7968% | 5,983 |
| Total domestic deposits to total assets | 73.9655% | 5,904 |
| Equity capital to assets | 25.8176% | 88 |
| Core capital (leverage) ratio | 25.8011% | 86 |
| Tier 1 risk-based capital ratio | 67.7421% | 84 |
| Total risk-based capital ratio | 69.0104% | 85 |
| Memoranda: | ||
| Average total assets | $108,094,000 | 4,410 |
| Average earning assets | $105,724,500 | 4,256 |
| Average equity | $27,529,000 | 2,534 |
| Average total loans | $31,467,000 | 5,455 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8217% | 6,191 |
| Cost of funding earning assets | 0.5784% | 1,968 |
| Net interest margin | 2.2433% | 6,289 |
| Noninterest income to average assets | 0.1438% | 5,976 |
| Noninterest expense to average assets | 1.8975% | 5,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3135% | 5,485 |
| Return on assets (ROA) | 0.3322% | 5,503 |
| Pretax return on assets | 0.4639% | 5,347 |
| Return on Equity (ROE) | 1.3182% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.3182% | 5,186 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2475% | 1,742 |
| Assets per employee ($millions) | 6.0668% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8439% | 146 |
| Loan loss allowance to noncurrent loans | 2,163.6364% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,823 |
| Noncurrent loans to loans | 0.1777% | 5,188 |
| Net loans and leases to total assets | 27.2593% | 6,251 |
| Net loans and leases to deposits | 36.4907% | 6,156 |
| Net loans and leases to core deposits | 37.3005% | 6,173 |
| Total domestic deposits to total assets | 74.7022% | 5,888 |
| Equity capital to assets | 25.1248% | 98 |
| Core capital (leverage) ratio | 25.0912% | 88 |
| Tier 1 risk-based capital ratio | 66.1370% | 76 |
| Total risk-based capital ratio | 67.4048% | 75 |
| Memoranda: | ||
| Average total assets | $107,774,800 | 4,422 |
| Average earning assets | $105,290,000 | 4,285 |
| Average equity | $27,158,000 | 2,479 |
| Average total loans | $29,695,000 | 5,574 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7901% | 6,287 |
| Cost of funding earning assets | 0.5796% | 2,023 |
| Net interest margin | 2.2105% | 6,382 |
| Noninterest income to average assets | 0.1452% | 6,048 |
| Noninterest expense to average assets | 1.8904% | 5,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2998% | 5,581 |
| Return on assets (ROA) | 0.3252% | 5,580 |
| Pretax return on assets | 0.4481% | 5,471 |
| Return on Equity (ROE) | 1.2896% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.2896% | 5,379 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0582% | 1,614 |
| Assets per employee ($millions) | 6.2697% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9395% | 169 |
| Loan loss allowance to noncurrent loans | 2,428.5714% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,987 |
| Noncurrent loans to loans | 0.1622% | 5,427 |
| Net loans and leases to total assets | 25.7120% | 6,363 |
| Net loans and leases to deposits | 33.9821% | 6,299 |
| Net loans and leases to core deposits | 35.0358% | 6,297 |
| Total domestic deposits to total assets | 75.6632% | 5,859 |
| Equity capital to assets | 24.1586% | 112 |
| Core capital (leverage) ratio | 24.1768% | 99 |
| Tier 1 risk-based capital ratio | 66.5423% | 73 |
| Total risk-based capital ratio | 67.8126% | 73 |
| Memoranda: | ||
| Average total assets | $107,417,750 | 4,470 |
| Average earning assets | $104,892,250 | 4,329 |
| Average equity | $27,088,250 | 2,483 |
| Average total loans | $29,379,250 | 5,645 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8162% | 6,330 |
| Cost of funding earning assets | 0.5877% | 2,002 |
| Net interest margin | 2.2286% | 6,439 |
| Noninterest income to average assets | 0.1458% | 6,090 |
| Noninterest expense to average assets | 1.9374% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2874% | 5,614 |
| Return on assets (ROA) | 0.2860% | 5,683 |
| Pretax return on assets | 0.3826% | 5,608 |
| Return on Equity (ROE) | 1.1173% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.1173% | 5,310 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4421% | 1,579 |
| Assets per employee ($millions) | 5.9122% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9771% | 173 |
| Loan loss allowance to noncurrent loans | 4,958.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 6,155 |
| Noncurrent loans to loans | 0.0802% | 5,781 |
| Net loans and leases to total assets | 26.9980% | 6,395 |
| Net loans and leases to deposits | 36.3412% | 6,281 |
| Net loans and leases to core deposits | 37.4370% | 6,293 |
| Total domestic deposits to total assets | 74.2903% | 6,086 |
| Equity capital to assets | 25.5434% | 85 |
| Core capital (leverage) ratio | 25.5420% | 81 |
| Tier 1 risk-based capital ratio | 67.9474% | 73 |
| Total risk-based capital ratio | 69.2173% | 73 |
| Memoranda: | ||
| Average total assets | $105,605,670 | 4,545 |
| Average earning assets | $103,116,330 | 4,384 |
| Average equity | $27,029,670 | 2,477 |
| Average total loans | $29,103,330 | 5,690 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7700% | 6,419 |
| Cost of funding earning assets | 0.5844% | 2,124 |
| Net interest margin | 2.1856% | 6,534 |
| Noninterest income to average assets | 0.1483% | 6,082 |
| Noninterest expense to average assets | 1.9620% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2463% | 5,675 |
| Return on assets (ROA) | 0.2433% | 5,730 |
| Pretax return on assets | 0.3156% | 5,678 |
| Return on Equity (ROE) | 0.9498% | 6,051 |
| Retained earnings to average equity (ytd only) | 0.9498% | 5,220 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0000% | 1,456 |
| Assets per employee ($millions) | 5.8718% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1271% | 172 |
| Loan loss allowance to noncurrent loans | 4,958.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 6,230 |
| Noncurrent loans to loans | 0.0832% | 5,889 |
| Net loans and leases to total assets | 26.1552% | 6,465 |
| Net loans and leases to deposits | 35.2494% | 6,341 |
| Net loans and leases to core deposits | 36.2003% | 6,358 |
| Total domestic deposits to total assets | 74.2005% | 6,226 |
| Equity capital to assets | 25.5743% | 93 |
| Core capital (leverage) ratio | 25.6194% | 87 |
| Tier 1 risk-based capital ratio | 69.7652% | 75 |
| Total risk-based capital ratio | 71.0372% | 75 |
| Memoranda: | ||
| Average total assets | $105,199,000 | 4,601 |
| Average earning assets | $102,670,500 | 4,433 |
| Average equity | $26,953,000 | 2,472 |
| Average total loans | $28,694,500 | 5,764 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6970% | 6,547 |
| Cost of funding earning assets | 0.5925% | 2,735 |
| Net interest margin | 2.1046% | 6,617 |
| Noninterest income to average assets | 0.2542% | 5,531 |
| Noninterest expense to average assets | 1.9060% | 6,181 |
| Loan and lease loss provision to assets | -0.0163% | 6,288 |
| Net operating income to assets | 0.3188% | 5,459 |
| Return on assets (ROA) | 0.3319% | 5,515 |
| Pretax return on assets | 0.4364% | 5,396 |
| Return on Equity (ROE) | 1.2896% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.2896% | 5,248 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4263% | 1,821 |
| Assets per employee ($millions) | 5.8170% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1674% | 179 |
| Loan loss allowance to noncurrent loans | 1,545.4545% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 6,130 |
| Noncurrent loans to loans | 0.2697% | 5,373 |
| Net loans and leases to total assets | 26.1351% | 6,566 |
| Net loans and leases to deposits | 35.2596% | 6,454 |
| Net loans and leases to core deposits | 36.2201% | 6,462 |
| Total domestic deposits to total assets | 74.1218% | 6,271 |
| Equity capital to assets | 25.6681% | 88 |
| Core capital (leverage) ratio | 25.7772% | 82 |
| Tier 1 risk-based capital ratio | 70.1440% | 74 |
| Total risk-based capital ratio | 71.4156% | 73 |
| Memoranda: | ||
| Average total assets | $104,251,000 | 4,635 |
| Average earning assets | $101,778,000 | 4,465 |
| Average equity | $26,831,000 | 2,478 |
| Average total loans | $27,858,200 | 5,855 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6706% | 6,634 |
| Cost of funding earning assets | 0.5884% | 2,915 |
| Net interest margin | 2.0822% | 6,700 |
| Noninterest income to average assets | 0.2714% | 5,505 |
| Noninterest expense to average assets | 1.9064% | 6,174 |
| Loan and lease loss provision to assets | -0.0218% | 6,494 |
| Net operating income to assets | 0.3205% | 5,541 |
| Return on assets (ROA) | 0.3380% | 5,600 |
| Pretax return on assets | 0.4443% | 5,512 |
| Return on Equity (ROE) | 1.3124% | 6,117 |
| Retained earnings to average equity (ytd only) | 1.3124% | 5,459 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5652% | 1,748 |
| Assets per employee ($millions) | 5.9322% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3163% | 191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 24.7050% | 6,675 |
| Net loans and leases to deposits | 33.0975% | 6,590 |
| Net loans and leases to core deposits | 33.8457% | 6,613 |
| Total domestic deposits to total assets | 74.6432% | 6,318 |
| Equity capital to assets | 25.1189% | 90 |
| Core capital (leverage) ratio | 25.2065% | 84 |
| Tier 1 risk-based capital ratio | 71.8663% | 70 |
| Total risk-based capital ratio | 73.1385% | 68 |
| Memoranda: | ||
| Average total assets | $104,137,250 | 4,689 |
| Average earning assets | $101,746,250 | 4,510 |
| Average equity | $26,819,750 | 2,500 |
| Average total loans | $27,684,000 | 5,918 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6101% | 6,702 |
| Cost of funding earning assets | 0.5871% | 3,060 |
| Net interest margin | 2.0230% | 6,754 |
| Noninterest income to average assets | 0.3700% | 4,751 |
| Noninterest expense to average assets | 1.9253% | 6,177 |
| Loan and lease loss provision to assets | -0.0329% | 6,618 |
| Net operating income to assets | 0.3431% | 5,431 |
| Return on assets (ROA) | 0.3564% | 5,558 |
| Pretax return on assets | 0.4707% | 5,459 |
| Return on Equity (ROE) | 1.3722% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.3722% | 5,336 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9158% | 1,896 |
| Assets per employee ($millions) | 6.1958% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3040% | 200 |
| Loan loss allowance to noncurrent loans | 1,506.3291% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,277 |
| Noncurrent loans to loans | 0.2857% | 5,586 |
| Net loans and leases to total assets | 25.1203% | 6,709 |
| Net loans and leases to deposits | 33.8147% | 6,620 |
| Net loans and leases to core deposits | 34.4581% | 6,638 |
| Total domestic deposits to total assets | 74.2882% | 6,422 |
| Equity capital to assets | 25.4849% | 85 |
| Core capital (leverage) ratio | 25.5026% | 81 |
| Tier 1 risk-based capital ratio | 71.6499% | 68 |
| Total risk-based capital ratio | 72.9219% | 67 |
| Memoranda: | ||
| Average total assets | $103,256,330 | 4,739 |
| Average earning assets | $100,839,670 | 4,560 |
| Average equity | $26,819,000 | 2,507 |
| Average total loans | $27,722,000 | 5,951 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6359% | 6,769 |
| Cost of funding earning assets | 0.5889% | 3,217 |
| Net interest margin | 2.0470% | 6,829 |
| Noninterest income to average assets | 0.3091% | 5,216 |
| Noninterest expense to average assets | 1.9605% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2817% | 5,624 |
| Return on assets (ROA) | 0.2817% | 5,746 |
| Pretax return on assets | 0.3483% | 5,727 |
| Return on Equity (ROE) | 1.0743% | 6,205 |
| Retained earnings to average equity (ytd only) | 1.0743% | 5,421 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7458% | 1,674 |
| Assets per employee ($millions) | 6.0046% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2638% | 233 |
| Loan loss allowance to noncurrent loans | 2,943.9024% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 6,352 |
| Noncurrent loans to loans | 0.1448% | 6,037 |
| Net loans and leases to total assets | 26.5490% | 6,713 |
| Net loans and leases to deposits | 36.1472% | 6,567 |
| Net loans and leases to core deposits | 36.9626% | 6,596 |
| Total domestic deposits to total assets | 73.4470% | 6,569 |
| Equity capital to assets | 26.3286% | 78 |
| Core capital (leverage) ratio | 26.2412% | 76 |
| Tier 1 risk-based capital ratio | 69.8254% | 77 |
| Total risk-based capital ratio | 71.0964% | 75 |
| Memoranda: | ||
| Average total assets | $102,220,000 | 4,806 |
| Average earning assets | $99,853,000 | 4,627 |
| Average equity | $26,807,000 | 2,536 |
| Average total loans | $27,758,500 | 6,002 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9020% | 6,817 |
| Cost of funding earning assets | 0.6413% | 3,996 |
| Net interest margin | 2.2607% | 6,856 |
| Noninterest income to average assets | 0.3173% | 5,188 |
| Noninterest expense to average assets | 2.1045% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3241% | 5,382 |
| Return on assets (ROA) | 0.3272% | 5,587 |
| Pretax return on assets | 0.4257% | 5,503 |
| Return on Equity (ROE) | 1.2380% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.2380% | 5,251 |
| Net charge-offs to loans | 0.0424% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 891 |
| Efficiency ratio | 82.9134% | 1,759 |
| Assets per employee ($millions) | 5.6867% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4360% | 200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 6,553 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 25.4023% | 6,822 |
| Net loans and leases to deposits | 34.4790% | 6,728 |
| Net loans and leases to core deposits | 35.0143% | 6,747 |
| Total domestic deposits to total assets | 73.6745% | 6,563 |
| Equity capital to assets | 26.1213% | 86 |
| Core capital (leverage) ratio | 26.0823% | 83 |
| Tier 1 risk-based capital ratio | 73.7209% | 69 |
| Total risk-based capital ratio | 74.9972% | 69 |
| Memoranda: | ||
| Average total assets | $100,547,000 | 4,821 |
| Average earning assets | $98,243,200 | 4,630 |
| Average equity | $26,574,200 | 2,515 |
| Average total loans | $28,321,200 | 6,025 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9640% | 6,913 |
| Cost of funding earning assets | 0.6534% | 4,166 |
| Net interest margin | 2.3107% | 6,941 |
| Noninterest income to average assets | 0.3197% | 5,231 |
| Noninterest expense to average assets | 2.1060% | 6,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3543% | 5,417 |
| Return on assets (ROA) | 0.3583% | 5,612 |
| Pretax return on assets | 0.4755% | 5,529 |
| Return on Equity (ROE) | 1.3517% | 6,182 |
| Retained earnings to average equity (ytd only) | 1.3517% | 5,633 |
| Net charge-offs to loans | 0.0699% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 23.5325% | 1,309 |
| Efficiency ratio | 81.3857% | 1,888 |
| Assets per employee ($millions) | 5.6274% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5510% | 200 |
| Loan loss allowance to noncurrent loans | 933.3333% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 6,285 |
| Noncurrent loans to loans | 0.4876% | 5,475 |
| Net loans and leases to total assets | 24.9297% | 6,948 |
| Net loans and leases to deposits | 33.9573% | 6,871 |
| Net loans and leases to core deposits | 34.3948% | 6,893 |
| Total domestic deposits to total assets | 73.4147% | 6,646 |
| Equity capital to assets | 26.3592% | 94 |
| Core capital (leverage) ratio | 26.3039% | 83 |
| Tier 1 risk-based capital ratio | 77.1308% | 65 |
| Total risk-based capital ratio | 78.4084% | 65 |
| Memoranda: | ||
| Average total assets | $100,093,500 | 4,875 |
| Average earning assets | $97,747,000 | 4,696 |
| Average equity | $26,533,250 | 2,540 |
| Average total loans | $28,599,250 | 6,087 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0373% | 6,962 |
| Cost of funding earning assets | 0.6654% | 4,318 |
| Net interest margin | 2.3720% | 6,976 |
| Noninterest income to average assets | 0.3210% | 5,255 |
| Noninterest expense to average assets | 2.1185% | 6,198 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3773% | 5,317 |
| Return on assets (ROA) | 0.3832% | 5,513 |
| Pretax return on assets | 0.5276% | 5,374 |
| Return on Equity (ROE) | 1.4427% | 6,206 |
| Retained earnings to average equity (ytd only) | 1.4427% | 5,473 |
| Net charge-offs to loans | 0.0682% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 25.9000% | 1,184 |
| Efficiency ratio | 79.9240% | 2,192 |
| Assets per employee ($millions) | 5.5189% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3291% | 265 |
| Loan loss allowance to noncurrent loans | 715.3846% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 6,255 |
| Noncurrent loans to loans | 0.6051% | 5,305 |
| Net loans and leases to total assets | 26.8955% | 6,956 |
| Net loans and leases to deposits | 36.8194% | 6,846 |
| Net loans and leases to core deposits | 37.1481% | 6,886 |
| Total domestic deposits to total assets | 73.0471% | 6,741 |
| Equity capital to assets | 26.7777% | 83 |
| Core capital (leverage) ratio | 26.7372% | 77 |
| Tier 1 risk-based capital ratio | 72.9707% | 69 |
| Total risk-based capital ratio | 74.2461% | 67 |
| Memoranda: | ||
| Average total assets | $99,693,670 | 4,905 |
| Average earning assets | $97,388,000 | 4,724 |
| Average equity | $26,477,670 | 2,536 |
| Average total loans | $29,313,670 | 6,098 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1400% | 6,983 |
| Cost of funding earning assets | 0.6641% | 4,591 |
| Net interest margin | 2.4759% | 6,969 |
| Noninterest income to average assets | 0.3004% | 5,475 |
| Noninterest expense to average assets | 2.0987% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4295% | 5,126 |
| Return on assets (ROA) | 0.4406% | 5,269 |
| Pretax return on assets | 0.6368% | 4,985 |
| Return on Equity (ROE) | 1.6657% | 6,168 |
| Retained earnings to average equity (ytd only) | 1.6657% | 5,402 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8778% | 2,668 |
| Assets per employee ($millions) | 5.5543% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1682% | 325 |
| Loan loss allowance to noncurrent loans | 952.3438% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 6,438 |
| Noncurrent loans to loans | 0.4377% | 5,793 |
| Net loans and leases to total assets | 28.0324% | 6,980 |
| Net loans and leases to deposits | 38.2206% | 6,811 |
| Net loans and leases to core deposits | 38.5566% | 6,864 |
| Total domestic deposits to total assets | 73.3439% | 6,800 |
| Equity capital to assets | 26.4811% | 77 |
| Core capital (leverage) ratio | 26.4848% | 79 |
| Tier 1 risk-based capital ratio | 74.2132% | 60 |
| Total risk-based capital ratio | 75.5164% | 60 |
| Memoranda: | ||
| Average total assets | $99,870,500 | 4,940 |
| Average earning assets | $97,580,000 | 4,764 |
| Average equity | $26,416,000 | 2,536 |
| Average total loans | $30,007,000 | 6,112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3832% | 7,059 |
| Cost of funding earning assets | 0.7109% | 5,470 |
| Net interest margin | 2.6722% | 6,949 |
| Noninterest income to average assets | 0.2667% | 5,611 |
| Noninterest expense to average assets | 2.0740% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5449% | 4,254 |
| Return on assets (ROA) | 0.5415% | 4,459 |
| Pretax return on assets | 0.8001% | 3,978 |
| Return on Equity (ROE) | 2.0501% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.0501% | 4,755 |
| Net charge-offs to loans | 0.0347% | 5,965 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 72.4545% | 414 |
| Efficiency ratio | 72.0351% | 3,572 |
| Assets per employee ($millions) | 5.5424% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9618% | 394 |
| Loan loss allowance to noncurrent loans | 967.4603% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 6,511 |
| Noncurrent loans to loans | 0.4095% | 5,898 |
| Net loans and leases to total assets | 29.6199% | 7,025 |
| Net loans and leases to deposits | 40.6711% | 6,841 |
| Net loans and leases to core deposits | 40.8177% | 6,923 |
| Total domestic deposits to total assets | 72.8279% | 6,824 |
| Equity capital to assets | 26.4193% | 88 |
| Core capital (leverage) ratio | 26.4282% | 91 |
| Tier 1 risk-based capital ratio | 70.0279% | 69 |
| Total risk-based capital ratio | 71.2761% | 68 |
| Memoranda: | ||
| Average total assets | $98,986,200 | 4,919 |
| Average earning assets | $96,772,600 | 4,720 |
| Average equity | $26,145,200 | 2,468 |
| Average total loans | $31,719,400 | 6,089 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 7,128 |
| Cost of funding earning assets | 0.7138% | 5,680 |
| Net interest margin | 2.7073% | 6,984 |
| Noninterest income to average assets | 0.2470% | 5,852 |
| Noninterest expense to average assets | 2.0811% | 6,531 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5493% | 4,324 |
| Return on assets (ROA) | 0.5466% | 4,519 |
| Pretax return on assets | 0.8084% | 4,098 |
| Return on Equity (ROE) | 2.0695% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.0695% | 5,102 |
| Net charge-offs to loans | 0.0459% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 54.7137% | 597 |
| Efficiency ratio | 71.9216% | 3,567 |
| Assets per employee ($millions) | 5.5684% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9205% | 417 |
| Loan loss allowance to noncurrent loans | 999.1803% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,623 |
| Noncurrent loans to loans | 0.3924% | 6,071 |
| Net loans and leases to total assets | 29.8052% | 7,095 |
| Net loans and leases to deposits | 40.6278% | 6,959 |
| Net loans and leases to core deposits | 40.6278% | 7,020 |
| Total domestic deposits to total assets | 73.3615% | 6,824 |
| Equity capital to assets | 26.2264% | 107 |
| Core capital (leverage) ratio | 26.1903% | 104 |
| Tier 1 risk-based capital ratio | 67.9653% | 85 |
| Total risk-based capital ratio | 69.2294% | 84 |
| Memoranda: | ||
| Average total assets | $98,791,750 | 4,955 |
| Average earning assets | $96,574,250 | 4,757 |
| Average equity | $26,092,250 | 2,470 |
| Average total loans | $31,957,000 | 6,137 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 7,155 |
| Cost of funding earning assets | 0.7154% | 5,869 |
| Net interest margin | 2.7949% | 6,932 |
| Noninterest income to average assets | 0.2441% | 5,899 |
| Noninterest expense to average assets | 2.1035% | 6,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5981% | 4,074 |
| Return on assets (ROA) | 0.5981% | 4,210 |
| Pretax return on assets | 0.8748% | 3,736 |
| Return on Equity (ROE) | 2.2592% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.2592% | 4,852 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6284% | 4,005 |
| Assets per employee ($millions) | 5.5739% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8503% | 461 |
| Loan loss allowance to noncurrent loans | 2,083.0508% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 6,952 |
| Noncurrent loans to loans | 0.1848% | 6,533 |
| Net loans and leases to total assets | 30.5897% | 7,161 |
| Net loans and leases to deposits | 41.5558% | 7,008 |
| Net loans and leases to core deposits | 41.5558% | 7,079 |
| Total domestic deposits to total assets | 73.6113% | 6,878 |
| Equity capital to assets | 26.1255% | 113 |
| Core capital (leverage) ratio | 26.0592% | 110 |
| Tier 1 risk-based capital ratio | 65.8649% | 90 |
| Total risk-based capital ratio | 67.1382% | 89 |
| Memoranda: | ||
| Average total assets | $98,312,000 | 5,010 |
| Average earning assets | $96,175,000 | 4,808 |
| Average equity | $26,027,330 | 2,459 |
| Average total loans | $32,245,000 | 6,176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5765% | 7,154 |
| Cost of funding earning assets | 0.7262% | 5,994 |
| Net interest margin | 2.8503% | 6,831 |
| Noninterest income to average assets | 0.2590% | 5,823 |
| Noninterest expense to average assets | 2.2199% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5714% | 4,170 |
| Return on assets (ROA) | 0.5714% | 4,247 |
| Pretax return on assets | 0.8304% | 3,786 |
| Return on Equity (ROE) | 2.1438% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.1438% | 4,856 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7763% | 3,718 |
| Assets per employee ($millions) | 5.4503% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8385% | 473 |
| Loan loss allowance to noncurrent loans | 229.9065% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 5,876 |
| Noncurrent loans to loans | 1.6696% | 3,982 |
| Net loans and leases to total assets | 31.4089% | 7,188 |
| Net loans and leases to deposits | 42.8490% | 6,993 |
| Net loans and leases to core deposits | 42.8490% | 7,080 |
| Total domestic deposits to total assets | 73.3013% | 6,972 |
| Equity capital to assets | 26.4805% | 101 |
| Core capital (leverage) ratio | 26.4708% | 98 |
| Tier 1 risk-based capital ratio | 63.4168% | 93 |
| Total risk-based capital ratio | 64.6819% | 92 |
| Memoranda: | ||
| Average total assets | $97,302,500 | 5,075 |
| Average earning assets | $95,288,500 | 4,873 |
| Average equity | $25,935,000 | 2,453 |
| Average total loans | $32,407,500 | 6,214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 7,277 |
| Cost of funding earning assets | 0.8872% | 6,214 |
| Net interest margin | 2.8635% | 6,950 |
| Noninterest income to average assets | 0.3586% | 5,243 |
| Noninterest expense to average assets | 2.1051% | 6,828 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7463% | 3,016 |
| Return on assets (ROA) | 0.6761% | 3,457 |
| Pretax return on assets | 0.9579% | 3,075 |
| Return on Equity (ROE) | 2.5207% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.5207% | 4,109 |
| Net charge-offs to loans | 0.0131% | 6,700 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 251.2500% | 92 |
| Efficiency ratio | 66.5780% | 4,849 |
| Assets per employee ($millions) | 5.3611% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7533% | 497 |
| Loan loss allowance to noncurrent loans | 2,236.3636% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,082 |
| Noncurrent loans to loans | 0.1678% | 6,732 |
| Net loans and leases to total assets | 32.6853% | 7,270 |
| Net loans and leases to deposits | 44.8344% | 7,089 |
| Net loans and leases to core deposits | 44.8344% | 7,175 |
| Total domestic deposits to total assets | 72.9023% | 7,003 |
| Equity capital to assets | 26.8303% | 103 |
| Core capital (leverage) ratio | 26.7818% | 107 |
| Tier 1 risk-based capital ratio | 63.2596% | 92 |
| Total risk-based capital ratio | 64.5308% | 92 |
| Memoranda: | ||
| Average total assets | $95,102,400 | 5,125 |
| Average earning assets | $93,101,400 | 4,914 |
| Average equity | $25,509,200 | 2,503 |
| Average total loans | $30,577,600 | 6,365 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 7,405 |
| Cost of funding earning assets | 0.9163% | 6,327 |
| Net interest margin | 2.8768% | 7,042 |
| Noninterest income to average assets | 0.3011% | 5,736 |
| Noninterest expense to average assets | 2.1079% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7214% | 3,316 |
| Return on assets (ROA) | 0.6262% | 3,938 |
| Pretax return on assets | 0.8752% | 3,646 |
| Return on Equity (ROE) | 2.3346% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.3346% | 4,771 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6603% | 4,532 |
| Assets per employee ($millions) | 5.0671% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0726% | 347 |
| Loan loss allowance to noncurrent loans | 24,680.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 7,364 |
| Noncurrent loans to loans | 0.0165% | 7,219 |
| Net loans and leases to total assets | 30.1906% | 7,459 |
| Net loans and leases to deposits | 41.3598% | 7,325 |
| Net loans and leases to core deposits | 41.8493% | 7,380 |
| Total domestic deposits to total assets | 72.9951% | 7,031 |
| Equity capital to assets | 26.7380% | 115 |
| Core capital (leverage) ratio | 26.6527% | 111 |
| Tier 1 risk-based capital ratio | 58.9385% | 115 |
| Total risk-based capital ratio | 59.8583% | 115 |
| Memoranda: | ||
| Average total assets | $94,753,250 | 5,200 |
| Average earning assets | $92,693,500 | 4,985 |
| Average equity | $25,413,750 | 2,549 |
| Average total loans | $30,029,250 | 6,478 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 7,467 |
| Cost of funding earning assets | 0.9332% | 6,453 |
| Net interest margin | 2.9103% | 6,994 |
| Noninterest income to average assets | 0.2695% | 5,994 |
| Noninterest expense to average assets | 2.0860% | 6,950 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6515% | 3,622 |
| Return on assets (ROA) | 0.6515% | 3,778 |
| Pretax return on assets | 1.0292% | 3,010 |
| Return on Equity (ROE) | 2.4265% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.4265% | 4,616 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9619% | 4,773 |
| Assets per employee ($millions) | 5.0267% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9701% | 387 |
| Loan loss allowance to noncurrent loans | 3,980.6452% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 7,318 |
| Noncurrent loans to loans | 0.0997% | 7,067 |
| Net loans and leases to total assets | 31.2522% | 7,503 |
| Net loans and leases to deposits | 42.8327% | 7,363 |
| Net loans and leases to core deposits | 43.6617% | 7,411 |
| Total domestic deposits to total assets | 72.9632% | 7,103 |
| Equity capital to assets | 26.7268% | 116 |
| Core capital (leverage) ratio | 26.7000% | 113 |
| Tier 1 risk-based capital ratio | 65.1894% | 96 |
| Total risk-based capital ratio | 66.2123% | 95 |
| Memoranda: | ||
| Average total assets | $94,246,000 | 5,241 |
| Average earning assets | $92,154,330 | 5,038 |
| Average equity | $25,304,330 | 2,560 |
| Average total loans | $29,939,000 | 6,529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 7,535 |
| Cost of funding earning assets | 0.9316% | 6,653 |
| Net interest margin | 2.9478% | 6,940 |
| Noninterest income to average assets | 0.2393% | 6,237 |
| Noninterest expense to average assets | 2.1407% | 6,836 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6238% | 3,784 |
| Return on assets (ROA) | 0.6238% | 3,917 |
| Pretax return on assets | 0.9785% | 3,171 |
| Return on Equity (ROE) | 2.3181% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.3181% | 4,745 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6301% | 4,596 |
| Assets per employee ($millions) | 4.9742% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1754% | 320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 29.9651% | 7,625 |
| Net loans and leases to deposits | 41.0685% | 7,483 |
| Net loans and leases to core deposits | 41.8681% | 7,530 |
| Total domestic deposits to total assets | 72.9637% | 7,165 |
| Equity capital to assets | 26.7855% | 116 |
| Core capital (leverage) ratio | 26.7971% | 109 |
| Tier 1 risk-based capital ratio | 65.1777% | 94 |
| Total risk-based capital ratio | 66.2069% | 94 |
| Memoranda: | ||
| Average total assets | $93,615,500 | 5,330 |
| Average earning assets | $91,457,500 | 5,122 |
| Average equity | $25,193,500 | 2,594 |
| Average total loans | $29,367,500 | 6,638 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 7,646 |
| Cost of funding earning assets | 1.2416% | 6,500 |
| Net interest margin | 2.8686% | 6,922 |
| Noninterest income to average assets | 0.2966% | 5,985 |
| Noninterest expense to average assets | 2.1062% | 7,175 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6183% | 3,263 |
| Return on assets (ROA) | 0.6197% | 3,325 |
| Pretax return on assets | 0.9825% | 2,651 |
| Return on Equity (ROE) | 2.2779% | 4,799 |
| Retained earnings to average equity (ytd only) | 2.2779% | 3,521 |
| Net charge-offs to loans | 0.0071% | 7,135 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 444.5000% | 67 |
| Efficiency ratio | 68.2387% | 4,971 |
| Assets per employee ($millions) | 4.8801% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2288% | 309 |
| Loan loss allowance to noncurrent loans | 10,283.3333% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 7,498 |
| Noncurrent loans to loans | 0.0411% | 7,329 |
| Net loans and leases to total assets | 30.1410% | 7,705 |
| Net loans and leases to deposits | 41.4263% | 7,583 |
| Net loans and leases to core deposits | 48.3261% | 7,623 |
| Total domestic deposits to total assets | 72.7581% | 7,178 |
| Equity capital to assets | 27.0403% | 126 |
| Core capital (leverage) ratio | 27.1283% | 129 |
| Tier 1 risk-based capital ratio | 55.0795% | 131 |
| Total risk-based capital ratio | 55.9543% | 127 |
| Memoranda: | ||
| Average total assets | $90,685,600 | 5,371 |
| Average earning assets | $88,195,200 | 5,187 |
| Average equity | $24,671,400 | 2,648 |
| Average total loans | $28,001,000 | 6,742 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 7,763 |
| Cost of funding earning assets | 1.3102% | 6,527 |
| Net interest margin | 2.8197% | 7,022 |
| Noninterest income to average assets | 0.3046% | 6,044 |
| Noninterest expense to average assets | 2.0980% | 7,202 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5984% | 3,609 |
| Return on assets (ROA) | 0.6003% | 3,656 |
| Pretax return on assets | 0.9492% | 3,062 |
| Return on Equity (ROE) | 2.2031% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.2031% | 4,095 |
| Net charge-offs to loans | 0.0096% | 6,808 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 319.5918% | 115 |
| Efficiency ratio | 68.9169% | 4,805 |
| Assets per employee ($millions) | 4.8782% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2583% | 248 |
| Loan loss allowance to noncurrent loans | 1,990.3226% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 7,393 |
| Noncurrent loans to loans | 0.2139% | 6,960 |
| Net loans and leases to total assets | 29.9347% | 7,808 |
| Net loans and leases to deposits | 41.2473% | 7,692 |
| Net loans and leases to core deposits | 47.9536% | 7,729 |
| Total domestic deposits to total assets | 72.5738% | 7,136 |
| Equity capital to assets | 26.9310% | 152 |
| Core capital (leverage) ratio | 26.9838% | 150 |
| Tier 1 risk-based capital ratio | 64.3973% | 104 |
| Total risk-based capital ratio | 65.4265% | 103 |
| Memoranda: | ||
| Average total assets | $90,176,750 | 5,423 |
| Average earning assets | $87,619,250 | 5,244 |
| Average equity | $24,571,250 | 2,683 |
| Average total loans | $27,706,000 | 6,814 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 7,857 |
| Cost of funding earning assets | 1.3942% | 6,498 |
| Net interest margin | 2.7446% | 7,110 |
| Noninterest income to average assets | 0.3380% | 5,812 |
| Noninterest expense to average assets | 2.0528% | 7,371 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5973% | 3,687 |
| Return on assets (ROA) | 0.4612% | 4,363 |
| Pretax return on assets | 0.7387% | 3,872 |
| Return on Equity (ROE) | 1.6857% | 5,407 |
| Retained earnings to average equity (ytd only) | 1.6857% | 4,401 |
| Net charge-offs to loans | 0.0073% | 6,485 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 84 |
| Efficiency ratio | 68.3308% | 5,097 |
| Assets per employee ($millions) | 4.7620% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3414% | 200 |
| Loan loss allowance to noncurrent loans | 2,572.9167% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 7,466 |
| Noncurrent loans to loans | 0.1687% | 7,101 |
| Net loans and leases to total assets | 30.0758% | 7,884 |
| Net loans and leases to deposits | 41.6200% | 7,767 |
| Net loans and leases to core deposits | 46.9772% | 7,819 |
| Total domestic deposits to total assets | 72.2629% | 7,210 |
| Equity capital to assets | 27.2243% | 168 |
| Core capital (leverage) ratio | 27.3816% | 168 |
| Tier 1 risk-based capital ratio | 62.5170% | 127 |
| Total risk-based capital ratio | 63.5242% | 127 |
| Memoranda: | ||
| Average total assets | $89,340,670 | 5,482 |
| Average earning assets | $86,789,000 | 5,306 |
| Average equity | $24,441,330 | 2,702 |
| Average total loans | $27,281,670 | 6,892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 7,976 |
| Cost of funding earning assets | 1.4661% | 6,519 |
| Net interest margin | 2.5704% | 7,409 |
| Noninterest income to average assets | 0.4326% | 4,938 |
| Noninterest expense to average assets | 2.0637% | 7,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5317% | 4,288 |
| Return on assets (ROA) | 0.5317% | 4,476 |
| Pretax return on assets | 0.8651% | 3,844 |
| Return on Equity (ROE) | 1.9387% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.9387% | 4,776 |
| Net charge-offs to loans | 0.0150% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 224 |
| Efficiency ratio | 70.4615% | 4,482 |
| Assets per employee ($millions) | 4.6911% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4911% | 149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 29.4667% | 7,925 |
| Net loans and leases to deposits | 40.8403% | 7,818 |
| Net loans and leases to core deposits | 45.2960% | 7,882 |
| Total domestic deposits to total assets | 72.1511% | 7,187 |
| Equity capital to assets | 27.3653% | 179 |
| Core capital (leverage) ratio | 27.6494% | 183 |
| Tier 1 risk-based capital ratio | 72.5670% | 104 |
| Total risk-based capital ratio | 73.7402% | 103 |
| Memoranda: | ||
| Average total assets | $88,772,000 | 5,529 |
| Average earning assets | $86,213,000 | 5,348 |
| Average equity | $24,346,000 | 2,726 |
| Average total loans | $26,699,000 | 6,959 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 7,897 |
| Cost of funding earning assets | 1.8786% | 6,796 |
| Net interest margin | 3.0259% | 6,845 |
| Noninterest income to average assets | 0.2161% | 6,886 |
| Noninterest expense to average assets | 2.0992% | 7,242 |
| Loan and lease loss provision to assets | 2.0582% | 573 |
| Net operating income to assets | -0.6306% | 7,025 |
| Return on assets (ROA) | -0.6306% | 6,918 |
| Pretax return on assets | -1.0152% | 7,006 |
| Return on Equity (ROE) | -2.2845% | 6,540 |
| Retained earnings to average equity (ytd only) | -2.2845% | 5,946 |
| Net charge-offs to loans | -0.0042% | 7,778 |
| Credit loss provision to net charge-offs | -185,700.0000% | 7,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8078% | 4,943 |
| Assets per employee ($millions) | 4.6533% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7724% | 110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 27.8952% | 8,036 |
| Net loans and leases to deposits | 38.7387% | 7,963 |
| Net loans and leases to core deposits | 42.8788% | 8,011 |
| Total domestic deposits to total assets | 72.0086% | 6,991 |
| Equity capital to assets | 27.4858% | 210 |
| Core capital (leverage) ratio | 27.7489% | 213 |
| Tier 1 risk-based capital ratio | 72.2718% | 113 |
| Total risk-based capital ratio | 73.4458% | 112 |
| Memoranda: | ||
| Average total assets | $90,225,600 | 5,346 |
| Average earning assets | $87,247,200 | 5,174 |
| Average equity | $24,907,400 | 2,646 |
| Average total loans | $23,580,200 | 7,100 |