Home > Stearns Bank Holdingford > Performance and Condition Ratios
Stearns Bank Holdingford, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0696% | 1,928 |
| Cost of funding earning assets | 1.3522% | 2,352 |
| Net interest margin | 3.7174% | 1,726 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 0.9624% | 4,502 |
| Loan and lease loss provision to assets | 0.5400% | 161 |
| Net operating income to assets | 1.3865% | 1,237 |
| Return on assets (ROA) | 1.3865% | 1,212 |
| Pretax return on assets | 1.8453% | 832 |
| Return on Equity (ROE) | 4.8500% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.8512% | 2,650 |
| Net charge-offs to loans | 0.5396% | 187 |
| Credit loss provision to net charge-offs | 134.0694% | 1,566 |
| Earnings coverage of net charge-offs (x) | 5.8833% | 2,508 |
| Efficiency ratio | 28.7080% | 4,500 |
| Assets per employee ($millions) | 19.6233% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 499 |
| Loan loss allowance to noncurrent loans | 395.7895% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 1,515 |
| Noncurrent loans to loans | 0.4653% | 1,619 |
| Net loans and leases to total assets | 76.6000% | 1,034 |
| Net loans and leases to deposits | 112.3314% | 160 |
| Net loans and leases to core deposits | 122.0305% | 572 |
| Total domestic deposits to total assets | 68.1900% | 4,340 |
| Equity capital to assets | 29.0421% | 160 |
| Core capital (leverage) ratio | 29.2580% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4653% | 175 |
| Memoranda: | ||
| Average total assets | $78,035,600 | 4,032 |
| Average earning assets | $68,703,800 | 4,049 |
| Average equity | $22,303,800 | 2,662 |
| Average total loans | $58,745,000 | 3,726 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 1,744 |
| Cost of funding earning assets | 1.1970% | 2,438 |
| Net interest margin | 3.8471% | 1,499 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.1088% | 4,501 |
| Loan and lease loss provision to assets | 0.7000% | 102 |
| Net operating income to assets | 1.2320% | 1,697 |
| Return on assets (ROA) | 1.2320% | 1,696 |
| Pretax return on assets | 1.6392% | 1,286 |
| Return on Equity (ROE) | 4.3300% | 3,932 |
| Retained earnings to average equity (ytd only) | 4.3280% | 3,174 |
| Net charge-offs to loans | 0.5896% | 148 |
| Credit loss provision to net charge-offs | 159.5331% | 1,281 |
| Earnings coverage of net charge-offs (x) | 5.3230% | 2,351 |
| Efficiency ratio | 32.1429% | 4,500 |
| Assets per employee ($millions) | 19.4213% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 487 |
| Loan loss allowance to noncurrent loans | 442.6415% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 1,663 |
| Noncurrent loans to loans | 0.4257% | 1,766 |
| Net loans and leases to total assets | 78.6200% | 804 |
| Net loans and leases to deposits | 115.1297% | 117 |
| Net loans and leases to core deposits | 123.8798% | 461 |
| Total domestic deposits to total assets | 68.2900% | 4,366 |
| Equity capital to assets | 28.8717% | 167 |
| Core capital (leverage) ratio | 28.8315% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6058% | 185 |
| Memoranda: | ||
| Average total assets | $77,921,250 | 4,050 |
| Average earning assets | $68,170,000 | 4,074 |
| Average equity | $22,180,750 | 2,670 |
| Average total loans | $58,118,750 | 3,740 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 1,743 |
| Cost of funding earning assets | 0.9745% | 2,689 |
| Net interest margin | 3.9362% | 1,356 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.1359% | 4,526 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 1.5385% | 1,038 |
| Return on assets (ROA) | 1.5385% | 1,031 |
| Pretax return on assets | 2.0487% | 693 |
| Return on Equity (ROE) | 5.4300% | 3,817 |
| Retained earnings to average equity (ytd only) | 5.4304% | 2,813 |
| Net charge-offs to loans | 0.5921% | 139 |
| Credit loss provision to net charge-offs | 83.3333% | 1,536 |
| Earnings coverage of net charge-offs (x) | 5.5893% | 2,162 |
| Efficiency ratio | 32.0550% | 4,530 |
| Assets per employee ($millions) | 19.6708% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 897 |
| Loan loss allowance to noncurrent loans | 1,984.0000% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,132 |
| Noncurrent loans to loans | 0.0817% | 3,105 |
| Net loans and leases to total assets | 76.5500% | 994 |
| Net loans and leases to deposits | 110.6390% | 192 |
| Net loans and leases to core deposits | 117.9790% | 570 |
| Total domestic deposits to total assets | 69.1900% | 4,377 |
| Equity capital to assets | 28.3619% | 163 |
| Core capital (leverage) ratio | 28.7373% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7725% | 175 |
| Memoranda: | ||
| Average total assets | $78,000,000 | 4,069 |
| Average earning assets | $68,339,333 | 4,092 |
| Average equity | $22,098,000 | 2,687 |
| Average total loans | $56,742,667 | 3,771 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,336 |
| Cost of funding earning assets | 0.7912% | 2,765 |
| Net interest margin | 4.1523% | 1,018 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.1744% | 4,577 |
| Loan and lease loss provision to assets | -0.2800% | 4,643 |
| Net operating income to assets | 2.1376% | 409 |
| Return on assets (ROA) | 2.1376% | 402 |
| Pretax return on assets | 2.8432% | 241 |
| Return on Equity (ROE) | 7.5500% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.5492% | 2,348 |
| Net charge-offs to loans | 0.6165% | 130 |
| Credit loss provision to net charge-offs | -65.4762% | 4,580 |
| Earnings coverage of net charge-offs (x) | 5.9167% | 1,798 |
| Efficiency ratio | 31.4483% | 4,593 |
| Assets per employee ($millions) | 19.4605% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 962 |
| Loan loss allowance to noncurrent loans | 800.9091% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,519 |
| Noncurrent loans to loans | 0.2030% | 2,458 |
| Net loans and leases to total assets | 68.4800% | 1,787 |
| Net loans and leases to deposits | 99.2590% | 472 |
| Net loans and leases to core deposits | 101.2709% | 1,034 |
| Total domestic deposits to total assets | 69.0000% | 4,444 |
| Equity capital to assets | 28.4268% | 127 |
| Core capital (leverage) ratio | 28.6565% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7362% | 159 |
| Memoranda: | ||
| Average total assets | $77,658,500 | 4,133 |
| Average earning assets | $67,240,500 | 4,159 |
| Average equity | $21,989,000 | 2,717 |
| Average total loans | $54,501,500 | 3,841 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 1,903 |
| Cost of funding earning assets | 0.4062% | 2,045 |
| Net interest margin | 3.5263% | 1,849 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 0.9942% | 4,645 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.8077% | 435 |
| Return on assets (ROA) | 1.8077% | 420 |
| Pretax return on assets | 2.4065% | 229 |
| Return on Equity (ROE) | 7.5500% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.5467% | 2,006 |
| Net charge-offs to loans | -0.1859% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 30.4560% | 4,648 |
| Assets per employee ($millions) | 19.3688% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,260 |
| Loan loss allowance to noncurrent loans | 358.8496% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 1,688 |
| Noncurrent loans to loans | 0.4123% | 1,689 |
| Net loans and leases to total assets | 69.7000% | 1,662 |
| Net loans and leases to deposits | 100.3419% | 427 |
| Net loans and leases to core deposits | 101.3209% | 933 |
| Total domestic deposits to total assets | 69.4600% | 4,482 |
| Equity capital to assets | 28.2026% | 124 |
| Core capital (leverage) ratio | 27.7946% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9687% | 166 |
| Memoranda: | ||
| Average total assets | $88,012,600 | 4,037 |
| Average earning assets | $80,254,000 | 4,030 |
| Average equity | $21,082,200 | 2,852 |
| Average total loans | $55,948,200 | 3,810 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 1,738 |
| Cost of funding earning assets | 0.3660% | 1,558 |
| Net interest margin | 3.4421% | 1,834 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 0.9811% | 4,681 |
| Loan and lease loss provision to assets | -0.3400% | 4,716 |
| Net operating income to assets | 1.9077% | 342 |
| Return on assets (ROA) | 1.9077% | 338 |
| Pretax return on assets | 2.5402% | 205 |
| Return on Equity (ROE) | 8.2800% | 3,247 |
| Retained earnings to average equity (ytd only) | 8.2780% | 1,894 |
| Net charge-offs to loans | -0.3035% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 30.8226% | 4,687 |
| Assets per employee ($millions) | 19.9525% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 1,915 |
| Loan loss allowance to noncurrent loans | 450.3106% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,255 |
| Noncurrent loans to loans | 0.2941% | 2,192 |
| Net loans and leases to total assets | 67.6900% | 1,710 |
| Net loans and leases to deposits | 95.8061% | 564 |
| Net loans and leases to core deposits | 97.2723% | 936 |
| Total domestic deposits to total assets | 70.6600% | 4,527 |
| Equity capital to assets | 26.9891% | 124 |
| Core capital (leverage) ratio | 25.6361% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1169% | 170 |
| Memoranda: | ||
| Average total assets | $90,647,000 | 4,035 |
| Average earning assets | $82,699,500 | 4,041 |
| Average equity | $20,890,250 | 2,914 |
| Average total loans | $56,232,250 | 3,816 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 1,734 |
| Cost of funding earning assets | 0.3228% | 1,505 |
| Net interest margin | 3.3121% | 1,873 |
| Noninterest income to average assets | 0.0361% | 4,672 |
| Noninterest expense to average assets | 0.9569% | 4,706 |
| Loan and lease loss provision to assets | -0.3395% | 4,733 |
| Net operating income to assets | 1.8396% | 308 |
| Return on assets (ROA) | 1.8396% | 303 |
| Pretax return on assets | 2.4443% | 181 |
| Return on Equity (ROE) | 8.3875% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.3875% | 1,479 |
| Net charge-offs to loans | -0.4019% | 4,675 |
| Credit loss provision to net charge-offs | 140.3509% | 1,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2543% | 4,709 |
| Assets per employee ($millions) | 22.3980% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,753 |
| Loan loss allowance to noncurrent loans | 370.1422% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 2,142 |
| Noncurrent loans to loans | 0.3779% | 2,009 |
| Net loans and leases to total assets | 61.4441% | 2,178 |
| Net loans and leases to deposits | 82.4939% | 1,210 |
| Net loans and leases to core deposits | 84.1895% | 1,439 |
| Total domestic deposits to total assets | 74.4832% | 4,521 |
| Equity capital to assets | 23.5590% | 109 |
| Core capital (leverage) ratio | 23.1395% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8646% | 164 |
| Memoranda: | ||
| Average total assets | $94,259,333 | 4,043 |
| Average earning assets | $86,109,667 | 4,045 |
| Average equity | $20,673,667 | 2,999 |
| Average total loans | $56,725,667 | 3,846 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 2,176 |
| Cost of funding earning assets | 0.3393% | 1,293 |
| Net interest margin | 3.0310% | 2,400 |
| Noninterest income to average assets | 0.0331% | 4,697 |
| Noninterest expense to average assets | 1.0063% | 4,719 |
| Loan and lease loss provision to assets | -0.3106% | 4,731 |
| Net operating income to assets | 1.5860% | 527 |
| Return on assets (ROA) | 1.5860% | 525 |
| Pretax return on assets | 2.1120% | 293 |
| Return on Equity (ROE) | 7.4889% | 2,870 |
| Retained earnings to average equity (ytd only) | 7.4889% | 1,732 |
| Net charge-offs to loans | -0.8186% | 4,733 |
| Credit loss provision to net charge-offs | 64.1026% | 1,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8407% | 4,705 |
| Assets per employee ($millions) | 23.7045% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,455 |
| Loan loss allowance to noncurrent loans | 514.2012% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,555 |
| Noncurrent loans to loans | 0.2978% | 2,403 |
| Net loans and leases to total assets | 58.9424% | 2,192 |
| Net loans and leases to deposits | 77.0051% | 1,364 |
| Net loans and leases to core deposits | 79.5695% | 1,512 |
| Total domestic deposits to total assets | 76.5435% | 4,482 |
| Equity capital to assets | 21.7575% | 125 |
| Core capital (leverage) ratio | 21.3548% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1896% | 173 |
| Memoranda: | ||
| Average total assets | $96,593,000 | 4,038 |
| Average earning assets | $88,420,000 | 4,038 |
| Average equity | $20,457,000 | 3,107 |
| Average total loans | $57,173,500 | 3,846 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 971 |
| Cost of funding earning assets | 0.5589% | 670 |
| Net interest margin | 3.6543% | 1,330 |
| Noninterest income to average assets | 0.1479% | 4,413 |
| Noninterest expense to average assets | 0.8863% | 4,776 |
| Loan and lease loss provision to assets | -0.7541% | 4,823 |
| Net operating income to assets | 2.5660% | 147 |
| Return on assets (ROA) | 2.5660% | 152 |
| Pretax return on assets | 3.4161% | 105 |
| Return on Equity (ROE) | 13.8066% | 1,245 |
| Retained earnings to average equity (ytd only) | 13.8066% | 323 |
| Net charge-offs to loans | 0.7286% | 104 |
| Credit loss provision to net charge-offs | -150.0975% | 3,453 |
| Earnings coverage of net charge-offs (x) | 5.2982% | 2,453 |
| Efficiency ratio | 24.9793% | 4,811 |
| Assets per employee ($millions) | 24.5920% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,782 |
| Loan loss allowance to noncurrent loans | 835.3535% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 3,234 |
| Noncurrent loans to loans | 0.1719% | 3,092 |
| Net loans and leases to total assets | 57.7047% | 2,401 |
| Net loans and leases to deposits | 74.1428% | 1,711 |
| Net loans and leases to core deposits | 78.9219% | 1,684 |
| Total domestic deposits to total assets | 77.8292% | 4,410 |
| Equity capital to assets | 20.6205% | 160 |
| Core capital (leverage) ratio | 20.3789% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9337% | 204 |
| Memoranda: | ||
| Average total assets | $102,105,800 | 3,969 |
| Average earning assets | $95,010,400 | 3,965 |
| Average equity | $18,976,400 | 3,303 |
| Average total loans | $70,407,600 | 3,637 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 853 |
| Cost of funding earning assets | 0.5972% | 647 |
| Net interest margin | 3.7755% | 1,168 |
| Noninterest income to average assets | 0.1837% | 4,277 |
| Noninterest expense to average assets | 0.6974% | 4,884 |
| Loan and lease loss provision to assets | -0.6085% | 4,896 |
| Net operating income to assets | 2.7186% | 167 |
| Return on assets (ROA) | 2.7186% | 168 |
| Pretax return on assets | 3.6205% | 110 |
| Return on Equity (ROE) | 15.0206% | 1,135 |
| Retained earnings to average equity (ytd only) | 15.0206% | 394 |
| Net charge-offs to loans | 0.9020% | 77 |
| Credit loss provision to net charge-offs | -94.3775% | 3,221 |
| Earnings coverage of net charge-offs (x) | 4.6747% | 2,253 |
| Efficiency ratio | 18.8001% | 4,899 |
| Assets per employee ($millions) | 25.0230% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 954 |
| Loan loss allowance to noncurrent loans | 821.5827% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 3,186 |
| Noncurrent loans to loans | 0.2175% | 3,079 |
| Net loans and leases to total assets | 62.6993% | 1,924 |
| Net loans and leases to deposits | 79.6651% | 1,322 |
| Net loans and leases to core deposits | 85.4918% | 1,323 |
| Total domestic deposits to total assets | 78.7036% | 4,356 |
| Equity capital to assets | 19.7498% | 206 |
| Core capital (leverage) ratio | 19.5473% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5108% | 266 |
| Memoranda: | ||
| Average total assets | $103,040,250 | 4,019 |
| Average earning assets | $96,232,250 | 3,998 |
| Average equity | $18,649,500 | 3,372 |
| Average total loans | $73,612,000 | 3,637 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 802 |
| Cost of funding earning assets | 0.6425% | 599 |
| Net interest margin | 3.7997% | 1,137 |
| Noninterest income to average assets | 0.2384% | 3,976 |
| Noninterest expense to average assets | 0.7383% | 4,917 |
| Loan and lease loss provision to assets | -0.3269% | 4,849 |
| Net operating income to assets | 2.5514% | 204 |
| Return on assets (ROA) | 2.5514% | 217 |
| Pretax return on assets | 3.3973% | 126 |
| Return on Equity (ROE) | 14.5212% | 1,279 |
| Retained earnings to average equity (ytd only) | 14.5212% | 487 |
| Net charge-offs to loans | 0.9265% | 87 |
| Credit loss provision to net charge-offs | -47.7528% | 2,978 |
| Earnings coverage of net charge-offs (x) | 4.4860% | 2,029 |
| Efficiency ratio | 19.3841% | 4,934 |
| Assets per employee ($millions) | 34.1110% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2284% | 407 |
| Loan loss allowance to noncurrent loans | 660.0000% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 2,755 |
| Noncurrent loans to loans | 0.3376% | 2,700 |
| Net loans and leases to total assets | 67.9146% | 1,453 |
| Net loans and leases to deposits | 84.8428% | 1,002 |
| Net loans and leases to core deposits | 92.5715% | 970 |
| Total domestic deposits to total assets | 80.0475% | 4,232 |
| Equity capital to assets | 18.5551% | 250 |
| Core capital (leverage) ratio | 18.2114% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2573% | 369 |
| Memoranda: | ||
| Average total assets | $104,023,000 | 4,028 |
| Average earning assets | $97,743,333 | 3,996 |
| Average equity | $18,276,667 | 3,405 |
| Average total loans | $76,849,667 | 3,607 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 782 |
| Cost of funding earning assets | 0.6660% | 627 |
| Net interest margin | 3.8276% | 1,089 |
| Noninterest income to average assets | 0.4348% | 2,900 |
| Noninterest expense to average assets | 0.7667% | 4,942 |
| Loan and lease loss provision to assets | 0.7247% | 71 |
| Net operating income to assets | 1.9377% | 623 |
| Return on assets (ROA) | 1.9377% | 669 |
| Pretax return on assets | 2.5823% | 379 |
| Return on Equity (ROE) | 11.3387% | 2,254 |
| Retained earnings to average equity (ytd only) | 11.3387% | 1,313 |
| Net charge-offs to loans | 2.1472% | 32 |
| Credit loss provision to net charge-offs | 44.3925% | 1,335 |
| Earnings coverage of net charge-offs (x) | 2.0257% | 1,824 |
| Efficiency ratio | 18.8202% | 4,952 |
| Assets per employee ($millions) | 35.6483% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3963% | 307 |
| Loan loss allowance to noncurrent loans | 641.0959% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 2,792 |
| Noncurrent loans to loans | 0.3738% | 2,753 |
| Net loans and leases to total assets | 71.2974% | 1,115 |
| Net loans and leases to deposits | 87.1089% | 881 |
| Net loans and leases to core deposits | 101.3666% | 654 |
| Total domestic deposits to total assets | 81.8486% | 3,919 |
| Equity capital to assets | 16.9957% | 310 |
| Core capital (leverage) ratio | 17.2727% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3260% | 494 |
| Memoranda: | ||
| Average total assets | $104,868,000 | 4,017 |
| Average earning assets | $99,696,000 | 3,980 |
| Average equity | $17,921,000 | 3,427 |
| Average total loans | $79,733,000 | 3,566 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 619 |
| Cost of funding earning assets | 1.0332% | 525 |
| Net interest margin | 3.8491% | 1,358 |
| Noninterest income to average assets | 0.0324% | 4,894 |
| Noninterest expense to average assets | 0.6034% | 4,972 |
| Loan and lease loss provision to assets | 1.8921% | 33 |
| Net operating income to assets | 0.9962% | 2,305 |
| Return on assets (ROA) | 0.9962% | 2,447 |
| Pretax return on assets | 1.3272% | 1,893 |
| Return on Equity (ROE) | 5.7808% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.7808% | 1,909 |
| Net charge-offs to loans | 1.3927% | 78 |
| Credit loss provision to net charge-offs | 158.5242% | 2,379 |
| Earnings coverage of net charge-offs (x) | 2.6972% | 3,139 |
| Efficiency ratio | 15.7839% | 4,990 |
| Assets per employee ($millions) | 34.2637% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5939% | 230 |
| Loan loss allowance to noncurrent loans | 2,028.8462% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 3,804 |
| Noncurrent loans to loans | 0.1279% | 3,769 |
| Net loans and leases to total assets | 77.0836% | 689 |
| Net loans and leases to deposits | 94.2993% | 643 |
| Net loans and leases to core deposits | 112.4108% | 443 |
| Total domestic deposits to total assets | 81.7435% | 3,722 |
| Equity capital to assets | 17.1863% | 321 |
| Core capital (leverage) ratio | 18.2300% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9897% | 584 |
| Memoranda: | ||
| Average total assets | $98,779,000 | 4,015 |
| Average earning assets | $97,270,000 | 3,920 |
| Average equity | $17,021,800 | 3,451 |
| Average total loans | $84,653,000 | 3,488 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 643 |
| Cost of funding earning assets | 1.1335% | 466 |
| Net interest margin | 3.8310% | 1,536 |
| Noninterest income to average assets | 0.0314% | 4,926 |
| Noninterest expense to average assets | 0.5577% | 5,013 |
| Loan and lease loss provision to assets | 2.5047% | 31 |
| Net operating income to assets | 0.5577% | 3,888 |
| Return on assets (ROA) | 0.5577% | 3,978 |
| Pretax return on assets | 0.7432% | 3,792 |
| Return on Equity (ROE) | 3.2343% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.2343% | 3,424 |
| Net charge-offs to loans | 1.4943% | 79 |
| Credit loss provision to net charge-offs | 191.7537% | 2,142 |
| Earnings coverage of net charge-offs (x) | 2.4864% | 2,985 |
| Efficiency ratio | 14.6542% | 5,024 |
| Assets per employee ($millions) | 31.6033% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6927% | 193 |
| Loan loss allowance to noncurrent loans | 1,702.9630% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 3,705 |
| Noncurrent loans to loans | 0.1581% | 3,748 |
| Net loans and leases to total assets | 87.6268% | 87 |
| Net loans and leases to deposits | 108.1518% | 267 |
| Net loans and leases to core deposits | 130.2281% | 249 |
| Total domestic deposits to total assets | 81.0220% | 3,658 |
| Equity capital to assets | 18.0276% | 300 |
| Core capital (leverage) ratio | 18.4992% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9615% | 685 |
| Memoranda: | ||
| Average total assets | $97,776,000 | 4,020 |
| Average earning assets | $96,333,750 | 3,930 |
| Average equity | $16,860,750 | 3,466 |
| Average total loans | $85,480,000 | 3,492 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 1,113 |
| Cost of funding earning assets | 1.2588% | 422 |
| Net interest margin | 3.5627% | 2,603 |
| Noninterest income to average assets | 0.0263% | 4,962 |
| Noninterest expense to average assets | 0.5852% | 5,047 |
| Loan and lease loss provision to assets | 2.5414% | 37 |
| Net operating income to assets | 0.3098% | 4,402 |
| Return on assets (ROA) | 0.3098% | 4,446 |
| Pretax return on assets | 0.4131% | 4,393 |
| Return on Equity (ROE) | 1.8232% | 4,559 |
| Retained earnings to average equity (ytd only) | 1.8232% | 3,822 |
| Net charge-offs to loans | 1.7775% | 75 |
| Credit loss provision to net charge-offs | 165.1316% | 2,058 |
| Earnings coverage of net charge-offs (x) | 1.9197% | 2,818 |
| Efficiency ratio | 16.5332% | 5,054 |
| Assets per employee ($millions) | 23.6385% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 329 |
| Loan loss allowance to noncurrent loans | 1,650.8621% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 3,918 |
| Noncurrent loans to loans | 0.1335% | 3,919 |
| Net loans and leases to total assets | 89.8809% | 31 |
| Net loans and leases to deposits | 110.5466% | 221 |
| Net loans and leases to core deposits | 128.8643% | 272 |
| Total domestic deposits to total assets | 81.3059% | 3,539 |
| Equity capital to assets | 17.8152% | 317 |
| Core capital (leverage) ratio | 17.0728% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3345% | 732 |
| Memoranda: | ||
| Average total assets | $98,764,667 | 4,011 |
| Average earning assets | $97,397,333 | 3,918 |
| Average equity | $16,783,667 | 3,480 |
| Average total loans | $85,514,000 | 3,490 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,746 |
| Cost of funding earning assets | 1.3659% | 464 |
| Net interest margin | 3.3223% | 3,537 |
| Noninterest income to average assets | 0.0238% | 5,014 |
| Noninterest expense to average assets | 0.5869% | 5,095 |
| Loan and lease loss provision to assets | 2.0422% | 64 |
| Net operating income to assets | 0.5076% | 3,871 |
| Return on assets (ROA) | 0.5076% | 3,930 |
| Pretax return on assets | 0.6741% | 3,759 |
| Return on Equity (ROE) | 3.0562% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.0562% | 3,058 |
| Net charge-offs to loans | 1.2733% | 115 |
| Credit loss provision to net charge-offs | 190.7407% | 1,445 |
| Earnings coverage of net charge-offs (x) | 2.5370% | 2,278 |
| Efficiency ratio | 17.7671% | 5,096 |
| Assets per employee ($millions) | 24.6915% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 543 |
| Loan loss allowance to noncurrent loans | 453.6785% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 2,958 |
| Noncurrent loans to loans | 0.4313% | 2,959 |
| Net loans and leases to total assets | 84.4694% | 236 |
| Net loans and leases to deposits | 102.8477% | 416 |
| Net loans and leases to core deposits | 125.0592% | 349 |
| Total domestic deposits to total assets | 82.1305% | 3,379 |
| Equity capital to assets | 17.0342% | 438 |
| Core capital (leverage) ratio | 16.7601% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3707% | 822 |
| Memoranda: | ||
| Average total assets | $100,870,000 | 3,976 |
| Average earning assets | $99,570,000 | 3,881 |
| Average equity | $16,753,000 | 3,493 |
| Average total loans | $84,820,500 | 3,502 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7659% | 2,142 |
| Cost of funding earning assets | 1.4406% | 484 |
| Net interest margin | 3.3253% | 3,931 |
| Noninterest income to average assets | 0.0291% | 5,081 |
| Noninterest expense to average assets | 0.8577% | 5,135 |
| Loan and lease loss provision to assets | 0.8151% | 125 |
| Net operating income to assets | 1.2283% | 1,953 |
| Return on assets (ROA) | 1.2283% | 2,044 |
| Pretax return on assets | 1.6374% | 1,379 |
| Return on Equity (ROE) | 7.3942% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.3942% | 1,209 |
| Net charge-offs to loans | 0.4575% | 407 |
| Credit loss provision to net charge-offs | 216.2534% | 1,222 |
| Earnings coverage of net charge-offs (x) | 6.5069% | 2,973 |
| Efficiency ratio | 25.9097% | 5,146 |
| Assets per employee ($millions) | 25.7435% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 833 |
| Loan loss allowance to noncurrent loans | 731.9588% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 3,710 |
| Noncurrent loans to loans | 0.2295% | 3,624 |
| Net loans and leases to total assets | 80.7281% | 700 |
| Net loans and leases to deposits | 97.2076% | 824 |
| Net loans and leases to core deposits | 122.6526% | 410 |
| Total domestic deposits to total assets | 83.0472% | 3,178 |
| Equity capital to assets | 16.2002% | 570 |
| Core capital (leverage) ratio | 16.1049% | 506 |
| Tier 1 risk-based capital ratio | 18.8629% | 1,550 |
| Total risk-based capital ratio | 20.1169% | 1,518 |
| Memoranda: | ||
| Average total assets | $96,309,000 | 4,058 |
| Average earning assets | $95,028,600 | 3,949 |
| Average equity | $15,999,000 | 3,543 |
| Average total loans | $79,340,800 | 3,615 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 2,363 |
| Cost of funding earning assets | 1.4075% | 563 |
| Net interest margin | 3.3118% | 4,073 |
| Noninterest income to average assets | 0.0296% | 5,155 |
| Noninterest expense to average assets | 0.8889% | 5,213 |
| Loan and lease loss provision to assets | 0.9157% | 107 |
| Net operating income to assets | 1.1214% | 2,490 |
| Return on assets (ROA) | 1.1214% | 2,580 |
| Pretax return on assets | 1.4933% | 1,977 |
| Return on Equity (ROE) | 6.7052% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.7052% | 2,009 |
| Net charge-offs to loans | 0.4391% | 381 |
| Credit loss provision to net charge-offs | 252.9183% | 1,081 |
| Earnings coverage of net charge-offs (x) | 6.6537% | 2,815 |
| Efficiency ratio | 26.9543% | 5,222 |
| Assets per employee ($millions) | 25.7970% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 929 |
| Loan loss allowance to noncurrent loans | 307.7434% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 2,771 |
| Noncurrent loans to loans | 0.5322% | 2,690 |
| Net loans and leases to total assets | 80.9581% | 713 |
| Net loans and leases to deposits | 96.4854% | 961 |
| Net loans and leases to core deposits | 124.8677% | 393 |
| Total domestic deposits to total assets | 83.9070% | 2,857 |
| Equity capital to assets | 15.7954% | 676 |
| Core capital (leverage) ratio | 16.4123% | 509 |
| Tier 1 risk-based capital ratio | 18.3849% | 1,717 |
| Total risk-based capital ratio | 19.6385% | 1,681 |
| Memoranda: | ||
| Average total assets | $94,642,750 | 4,125 |
| Average earning assets | $93,402,500 | 4,024 |
| Average equity | $15,828,250 | 3,594 |
| Average total loans | $78,038,750 | 3,678 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 2,444 |
| Cost of funding earning assets | 1.3585% | 617 |
| Net interest margin | 3.3135% | 4,110 |
| Noninterest income to average assets | 0.0240% | 5,209 |
| Noninterest expense to average assets | 1.0218% | 5,249 |
| Loan and lease loss provision to assets | 1.1439% | 81 |
| Net operating income to assets | 0.8432% | 3,496 |
| Return on assets (ROA) | 0.8432% | 3,554 |
| Pretax return on assets | 1.1264% | 3,152 |
| Return on Equity (ROE) | 4.9390% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.9390% | 2,796 |
| Net charge-offs to loans | 0.5228% | 299 |
| Credit loss provision to net charge-offs | 265.1515% | 975 |
| Earnings coverage of net charge-offs (x) | 5.2626% | 2,679 |
| Efficiency ratio | 31.0390% | 5,251 |
| Assets per employee ($millions) | 24.2553% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 876 |
| Loan loss allowance to noncurrent loans | 296.4206% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 2,683 |
| Noncurrent loans to loans | 0.5628% | 2,576 |
| Net loans and leases to total assets | 80.4919% | 806 |
| Net loans and leases to deposits | 96.6450% | 969 |
| Net loans and leases to core deposits | 126.6793% | 378 |
| Total domestic deposits to total assets | 83.2861% | 3,119 |
| Equity capital to assets | 16.3800% | 556 |
| Core capital (leverage) ratio | 16.8777% | 446 |
| Tier 1 risk-based capital ratio | 19.1038% | 1,531 |
| Total risk-based capital ratio | 20.3569% | 1,488 |
| Memoranda: | ||
| Average total assets | $91,794,330 | 4,192 |
| Average earning assets | $90,539,670 | 4,105 |
| Average equity | $15,671,330 | 3,614 |
| Average total loans | $75,741,670 | 3,735 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 2,640 |
| Cost of funding earning assets | 1.2879% | 684 |
| Net interest margin | 3.2811% | 4,208 |
| Noninterest income to average assets | 0.0224% | 5,272 |
| Noninterest expense to average assets | 1.0496% | 5,314 |
| Loan and lease loss provision to assets | 1.4577% | 55 |
| Net operating income to assets | 0.5562% | 4,370 |
| Return on assets (ROA) | 0.5562% | 4,400 |
| Pretax return on assets | 0.7490% | 4,172 |
| Return on Equity (ROE) | 3.1875% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.1875% | 3,661 |
| Net charge-offs to loans | 0.4709% | 325 |
| Credit loss provision to net charge-offs | 373.5632% | 731 |
| Earnings coverage of net charge-offs (x) | 5.6552% | 2,249 |
| Efficiency ratio | 32.2314% | 5,302 |
| Assets per employee ($millions) | 23.0713% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 969 |
| Loan loss allowance to noncurrent loans | 274.6667% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 2,663 |
| Noncurrent loans to loans | 0.5994% | 2,540 |
| Net loans and leases to total assets | 80.0065% | 834 |
| Net loans and leases to deposits | 96.6426% | 915 |
| Net loans and leases to core deposits | 133.8154% | 257 |
| Total domestic deposits to total assets | 82.7859% | 3,472 |
| Equity capital to assets | 16.9302% | 454 |
| Core capital (leverage) ratio | 17.8331% | 347 |
| Tier 1 risk-based capital ratio | 19.8229% | 1,369 |
| Total risk-based capital ratio | 21.0765% | 1,345 |
| Memoranda: | ||
| Average total assets | $89,181,000 | 4,277 |
| Average earning assets | $87,897,500 | 4,183 |
| Average equity | $15,561,000 | 3,638 |
| Average total loans | $73,903,000 | 3,805 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 2,033 |
| Cost of funding earning assets | 1.0092% | 726 |
| Net interest margin | 3.6277% | 3,287 |
| Noninterest income to average assets | 0.0259% | 5,311 |
| Noninterest expense to average assets | 1.1073% | 5,336 |
| Loan and lease loss provision to assets | 0.9875% | 88 |
| Net operating income to assets | 1.1260% | 2,491 |
| Return on assets (ROA) | 1.1270% | 2,489 |
| Pretax return on assets | 1.4998% | 1,783 |
| Return on Equity (ROE) | 6.0468% | 4,157 |
| Retained earnings to average equity (ytd only) | 6.0468% | 2,169 |
| Net charge-offs to loans | 0.9686% | 156 |
| Credit loss provision to net charge-offs | 117.6471% | 2,209 |
| Earnings coverage of net charge-offs (x) | 2.9618% | 3,473 |
| Efficiency ratio | 30.8142% | 5,363 |
| Assets per employee ($millions) | 21.5193% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,748 |
| Loan loss allowance to noncurrent loans | 216.9565% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 2,459 |
| Noncurrent loans to loans | 0.6324% | 2,401 |
| Net loans and leases to total assets | 83.3417% | 480 |
| Net loans and leases to deposits | 101.9194% | 599 |
| Net loans and leases to core deposits | 138.9302% | 208 |
| Total domestic deposits to total assets | 81.7721% | 3,699 |
| Equity capital to assets | 18.0048% | 343 |
| Core capital (leverage) ratio | 18.1805% | 318 |
| Tier 1 risk-based capital ratio | 20.4724% | 1,230 |
| Total risk-based capital ratio | 21.7220% | 1,205 |
| Memoranda: | ||
| Average total assets | $81,010,400 | 4,415 |
| Average earning assets | $79,664,400 | 4,320 |
| Average equity | $15,098,800 | 3,632 |
| Average total loans | $70,201,800 | 3,867 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 2,093 |
| Cost of funding earning assets | 0.9282% | 810 |
| Net interest margin | 3.6345% | 3,255 |
| Noninterest income to average assets | 0.0418% | 5,362 |
| Noninterest expense to average assets | 1.0467% | 5,418 |
| Loan and lease loss provision to assets | 0.7942% | 115 |
| Net operating income to assets | 1.3313% | 1,737 |
| Return on assets (ROA) | 1.3326% | 1,742 |
| Pretax return on assets | 1.7773% | 1,065 |
| Return on Equity (ROE) | 7.0847% | 3,903 |
| Retained earnings to average equity (ytd only) | 7.0847% | 2,085 |
| Net charge-offs to loans | 0.8624% | 166 |
| Credit loss provision to net charge-offs | 105.5556% | 2,179 |
| Earnings coverage of net charge-offs (x) | 3.4155% | 3,163 |
| Efficiency ratio | 28.9413% | 5,437 |
| Assets per employee ($millions) | 20.9010% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,957 |
| Loan loss allowance to noncurrent loans | 177.4067% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 2,356 |
| Noncurrent loans to loans | 0.7504% | 2,215 |
| Net loans and leases to total assets | 80.0476% | 1,011 |
| Net loans and leases to deposits | 98.3077% | 928 |
| Net loans and leases to core deposits | 133.7390% | 276 |
| Total domestic deposits to total assets | 81.4255% | 3,757 |
| Equity capital to assets | 18.3974% | 304 |
| Core capital (leverage) ratio | 19.3699% | 260 |
| Tier 1 risk-based capital ratio | 21.5295% | 1,111 |
| Total risk-based capital ratio | 22.7794% | 1,091 |
| Memoranda: | ||
| Average total assets | $79,743,750 | 4,476 |
| Average earning assets | $78,431,000 | 4,386 |
| Average equity | $14,999,000 | 3,663 |
| Average total loans | $69,568,250 | 3,914 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 1,955 |
| Cost of funding earning assets | 0.8638% | 860 |
| Net interest margin | 3.6781% | 3,014 |
| Noninterest income to average assets | 0.0382% | 5,425 |
| Noninterest expense to average assets | 0.9585% | 5,494 |
| Loan and lease loss provision to assets | 0.9559% | 85 |
| Net operating income to assets | 1.3052% | 1,753 |
| Return on assets (ROA) | 1.3052% | 1,747 |
| Pretax return on assets | 1.7385% | 1,122 |
| Return on Equity (ROE) | 6.8856% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.8856% | 2,121 |
| Net charge-offs to loans | 0.8069% | 169 |
| Credit loss provision to net charge-offs | 132.5088% | 1,700 |
| Earnings coverage of net charge-offs (x) | 3.7350% | 2,852 |
| Efficiency ratio | 26.2387% | 5,508 |
| Assets per employee ($millions) | 18.7828% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,772 |
| Loan loss allowance to noncurrent loans | 177.3309% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 2,053 |
| Noncurrent loans to loans | 0.7860% | 2,156 |
| Net loans and leases to total assets | 91.3405% | 43 |
| Net loans and leases to deposits | 114.4799% | 187 |
| Net loans and leases to core deposits | 141.7872% | 180 |
| Total domestic deposits to total assets | 79.7873% | 4,285 |
| Equity capital to assets | 20.0956% | 224 |
| Core capital (leverage) ratio | 19.2424% | 256 |
| Tier 1 risk-based capital ratio | 21.2895% | 1,128 |
| Total risk-based capital ratio | 22.5403% | 1,109 |
| Memoranda: | ||
| Average total assets | $78,457,000 | 4,547 |
| Average earning assets | $77,105,330 | 4,454 |
| Average equity | $14,871,670 | 3,695 |
| Average total loans | $70,149,000 | 3,932 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 2,228 |
| Cost of funding earning assets | 0.8021% | 943 |
| Net interest margin | 3.5889% | 3,225 |
| Noninterest income to average assets | 0.0300% | 5,515 |
| Noninterest expense to average assets | 0.9636% | 5,562 |
| Loan and lease loss provision to assets | 0.3744% | 316 |
| Net operating income to assets | 1.6675% | 739 |
| Return on assets (ROA) | 1.6675% | 740 |
| Pretax return on assets | 2.2217% | 365 |
| Return on Equity (ROE) | 9.0524% | 2,888 |
| Retained earnings to average equity (ytd only) | 9.0524% | 1,445 |
| Net charge-offs to loans | 0.6304% | 239 |
| Credit loss provision to net charge-offs | 67.5676% | 1,846 |
| Earnings coverage of net charge-offs (x) | 4.6847% | 2,277 |
| Efficiency ratio | 27.0687% | 5,574 |
| Assets per employee ($millions) | 19.7435% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 2,831 |
| Loan loss allowance to noncurrent loans | 163.4951% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 2,372 |
| Noncurrent loans to loans | 0.7312% | 2,383 |
| Net loans and leases to total assets | 88.1201% | 124 |
| Net loans and leases to deposits | 108.8923% | 291 |
| Net loans and leases to core deposits | 135.1721% | 269 |
| Total domestic deposits to total assets | 80.9241% | 4,225 |
| Equity capital to assets | 18.8986% | 256 |
| Core capital (leverage) ratio | 18.8034% | 264 |
| Tier 1 risk-based capital ratio | 20.7220% | 1,239 |
| Total risk-based capital ratio | 21.8915% | 1,232 |
| Memoranda: | ||
| Average total assets | $80,120,000 | 4,565 |
| Average earning assets | $78,797,500 | 4,475 |
| Average equity | $14,758,500 | 3,743 |
| Average total loans | $70,426,000 | 3,960 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 3,722 |
| Cost of funding earning assets | 0.6610% | 1,243 |
| Net interest margin | 3.2401% | 4,334 |
| Noninterest income to average assets | 0.0466% | 5,540 |
| Noninterest expense to average assets | 1.0628% | 5,605 |
| Loan and lease loss provision to assets | 0.9311% | 111 |
| Net operating income to assets | 0.5800% | 4,099 |
| Return on assets (ROA) | 0.5800% | 4,138 |
| Pretax return on assets | 1.2344% | 2,616 |
| Return on Equity (ROE) | 3.0188% | 4,822 |
| Retained earnings to average equity (ytd only) | 3.0188% | 3,494 |
| Net charge-offs to loans | 1.0298% | 171 |
| Credit loss provision to net charge-offs | 108.0247% | 2,406 |
| Earnings coverage of net charge-offs (x) | 2.5123% | 3,734 |
| Efficiency ratio | 32.9213% | 5,613 |
| Assets per employee ($millions) | 20.3165% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,490 |
| Loan loss allowance to noncurrent loans | 143.4641% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 2,073 |
| Noncurrent loans to loans | 0.8691% | 2,051 |
| Net loans and leases to total assets | 85.5708% | 285 |
| Net loans and leases to deposits | 104.4866% | 473 |
| Net loans and leases to core deposits | 132.6011% | 294 |
| Total domestic deposits to total assets | 81.8965% | 3,896 |
| Equity capital to assets | 17.9558% | 319 |
| Core capital (leverage) ratio | 18.5510% | 260 |
| Tier 1 risk-based capital ratio | 20.0313% | 1,314 |
| Total risk-based capital ratio | 21.2372% | 1,288 |
| Memoranda: | ||
| Average total assets | $75,176,400 | 4,686 |
| Average earning assets | $73,825,600 | 4,584 |
| Average equity | $14,443,000 | 3,788 |
| Average total loans | $62,927,800 | 4,130 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 3,990 |
| Cost of funding earning assets | 0.6175% | 1,417 |
| Net interest margin | 3.1890% | 4,474 |
| Noninterest income to average assets | 0.0471% | 5,617 |
| Noninterest expense to average assets | 1.0192% | 5,674 |
| Loan and lease loss provision to assets | 0.7241% | 155 |
| Net operating income to assets | 0.8979% | 3,039 |
| Return on assets (ROA) | 0.8979% | 3,094 |
| Pretax return on assets | 1.4355% | 1,990 |
| Return on Equity (ROE) | 4.5907% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.5907% | 3,150 |
| Net charge-offs to loans | 0.7796% | 235 |
| Credit loss provision to net charge-offs | 112.0448% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.3417% | 3,353 |
| Efficiency ratio | 32.0615% | 5,683 |
| Assets per employee ($millions) | 15.3766% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,143 |
| Loan loss allowance to noncurrent loans | 174.1483% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 2,558 |
| Noncurrent loans to loans | 0.7722% | 2,435 |
| Net loans and leases to total assets | 82.9195% | 554 |
| Net loans and leases to deposits | 102.6008% | 573 |
| Net loans and leases to core deposits | 132.7068% | 301 |
| Total domestic deposits to total assets | 80.8176% | 4,097 |
| Equity capital to assets | 19.0575% | 271 |
| Core capital (leverage) ratio | 19.1408% | 246 |
| Tier 1 risk-based capital ratio | 21.7831% | 1,070 |
| Total risk-based capital ratio | 23.0340% | 1,049 |
| Memoranda: | ||
| Average total assets | $73,654,000 | 4,761 |
| Average earning assets | $72,330,000 | 4,660 |
| Average equity | $14,405,750 | 3,832 |
| Average total loans | $61,055,250 | 4,219 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 4,389 |
| Cost of funding earning assets | 0.5335% | 1,889 |
| Net interest margin | 3.1082% | 4,655 |
| Noninterest income to average assets | 0.0413% | 5,667 |
| Noninterest expense to average assets | 1.0609% | 5,726 |
| Loan and lease loss provision to assets | 0.6889% | 158 |
| Net operating income to assets | 0.7385% | 3,677 |
| Return on assets (ROA) | 0.7385% | 3,742 |
| Pretax return on assets | 1.3420% | 2,238 |
| Return on Equity (ROE) | 3.7421% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.7421% | 3,470 |
| Net charge-offs to loans | 1.0958% | 178 |
| Credit loss provision to net charge-offs | 76.2195% | 2,305 |
| Earnings coverage of net charge-offs (x) | 2.2470% | 3,183 |
| Efficiency ratio | 34.3137% | 5,711 |
| Assets per employee ($millions) | 19.1510% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,440 |
| Loan loss allowance to noncurrent loans | 139.2924% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 2,463 |
| Noncurrent loans to loans | 0.9292% | 2,111 |
| Net loans and leases to total assets | 74.4648% | 1,782 |
| Net loans and leases to deposits | 91.8197% | 1,522 |
| Net loans and leases to core deposits | 119.4043% | 581 |
| Total domestic deposits to total assets | 81.0989% | 4,159 |
| Equity capital to assets | 18.8306% | 273 |
| Core capital (leverage) ratio | 20.9166% | 175 |
| Tier 1 risk-based capital ratio | 23.3993% | 906 |
| Total risk-based capital ratio | 24.6133% | 892 |
| Memoranda: | ||
| Average total assets | $72,577,670 | 4,809 |
| Average earning assets | $71,230,670 | 4,720 |
| Average equity | $14,323,670 | 3,850 |
| Average total loans | $59,867,000 | 4,268 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 4,080 |
| Cost of funding earning assets | 0.5426% | 1,765 |
| Net interest margin | 3.1693% | 4,440 |
| Noninterest income to average assets | 0.0397% | 5,745 |
| Noninterest expense to average assets | 1.0090% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3151% | 1,202 |
| Return on assets (ROA) | 1.3151% | 1,236 |
| Pretax return on assets | 2.1427% | 392 |
| Return on Equity (ROE) | 6.5018% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.5018% | 2,079 |
| Net charge-offs to loans | 0.4926% | 375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.0400% | 2,322 |
| Efficiency ratio | 32.0144% | 5,792 |
| Assets per employee ($millions) | 13.7080% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,800 |
| Loan loss allowance to noncurrent loans | 135.5596% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 2,279 |
| Noncurrent loans to loans | 0.9250% | 2,191 |
| Net loans and leases to total assets | 86.2854% | 203 |
| Net loans and leases to deposits | 109.4334% | 228 |
| Net loans and leases to core deposits | 139.3825% | 178 |
| Total domestic deposits to total assets | 78.8474% | 4,852 |
| Equity capital to assets | 20.9936% | 171 |
| Core capital (leverage) ratio | 20.7279% | 182 |
| Tier 1 risk-based capital ratio | 23.3875% | 929 |
| Total risk-based capital ratio | 24.6089% | 917 |
| Memoranda: | ||
| Average total assets | $70,564,500 | 4,903 |
| Average earning assets | $69,290,000 | 4,802 |
| Average equity | $14,273,000 | 3,879 |
| Average total loans | $60,905,000 | 4,276 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 4,853 |
| Cost of funding earning assets | 0.6240% | 1,176 |
| Net interest margin | 2.8429% | 5,214 |
| Noninterest income to average assets | 0.0350% | 5,807 |
| Noninterest expense to average assets | 0.8963% | 5,872 |
| Loan and lease loss provision to assets | 0.0971% | 2,427 |
| Net operating income to assets | 1.1256% | 1,798 |
| Return on assets (ROA) | 1.1256% | 1,880 |
| Pretax return on assets | 1.8328% | 733 |
| Return on Equity (ROE) | 6.3250% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.3250% | 1,549 |
| Net charge-offs to loans | 0.2924% | 950 |
| Credit loss provision to net charge-offs | 37.3134% | 3,519 |
| Earnings coverage of net charge-offs (x) | 7.4129% | 3,023 |
| Efficiency ratio | 31.7140% | 5,861 |
| Assets per employee ($millions) | 18.1473% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,366 |
| Loan loss allowance to noncurrent loans | 147.5000% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 2,422 |
| Noncurrent loans to loans | 0.9044% | 2,289 |
| Net loans and leases to total assets | 84.1629% | 370 |
| Net loans and leases to deposits | 104.6991% | 403 |
| Net loans and leases to core deposits | 130.2956% | 282 |
| Total domestic deposits to total assets | 80.3855% | 4,484 |
| Equity capital to assets | 19.5030% | 222 |
| Core capital (leverage) ratio | 19.0449% | 230 |
| Tier 1 risk-based capital ratio | 22.1102% | 1,063 |
| Total risk-based capital ratio | 23.3604% | 1,038 |
| Memoranda: | ||
| Average total assets | $77,204,200 | 4,790 |
| Average earning assets | $75,802,800 | 4,681 |
| Average equity | $13,739,200 | 3,981 |
| Average total loans | $68,732,200 | 4,074 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 4,998 |
| Cost of funding earning assets | 0.6270% | 1,157 |
| Net interest margin | 2.7868% | 5,375 |
| Noninterest income to average assets | 0.0306% | 5,880 |
| Noninterest expense to average assets | 0.8627% | 5,941 |
| Loan and lease loss provision to assets | 0.1276% | 1,835 |
| Net operating income to assets | 1.0328% | 2,276 |
| Return on assets (ROA) | 1.0328% | 2,403 |
| Pretax return on assets | 1.7781% | 933 |
| Return on Equity (ROE) | 5.9356% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.9356% | 2,219 |
| Net charge-offs to loans | 0.2574% | 912 |
| Credit loss provision to net charge-offs | 55.1471% | 2,969 |
| Earnings coverage of net charge-offs (x) | 8.2353% | 2,793 |
| Efficiency ratio | 31.1616% | 5,929 |
| Assets per employee ($millions) | 14.9534% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,744 |
| Loan loss allowance to noncurrent loans | 120.8955% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 2,102 |
| Noncurrent loans to loans | 1.0667% | 2,114 |
| Net loans and leases to total assets | 91.2140% | 45 |
| Net loans and leases to deposits | 112.2527% | 221 |
| Net loans and leases to core deposits | 140.3309% | 189 |
| Total domestic deposits to total assets | 81.2578% | 4,180 |
| Equity capital to assets | 18.5884% | 297 |
| Core capital (leverage) ratio | 18.7133% | 248 |
| Tier 1 risk-based capital ratio | 19.7837% | 1,488 |
| Total risk-based capital ratio | 21.0346% | 1,450 |
| Memoranda: | ||
| Average total assets | $78,358,000 | 4,799 |
| Average earning assets | $76,978,750 | 4,687 |
| Average equity | $13,634,750 | 4,033 |
| Average total loans | $70,435,500 | 4,063 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 4,835 |
| Cost of funding earning assets | 0.6322% | 1,131 |
| Net interest margin | 2.8796% | 5,301 |
| Noninterest income to average assets | 0.0327% | 5,949 |
| Noninterest expense to average assets | 0.8346% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2268% | 1,511 |
| Return on assets (ROA) | 1.2268% | 1,606 |
| Pretax return on assets | 2.0263% | 543 |
| Return on Equity (ROE) | 7.2045% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.2045% | 1,504 |
| Net charge-offs to loans | 0.2765% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.2245% | 2,539 |
| Efficiency ratio | 29.1740% | 6,015 |
| Assets per employee ($millions) | 18.4753% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 2,501 |
| Loan loss allowance to noncurrent loans | 156.9853% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 2,776 |
| Noncurrent loans to loans | 0.8641% | 2,579 |
| Net loans and leases to total assets | 84.0340% | 419 |
| Net loans and leases to deposits | 103.4361% | 484 |
| Net loans and leases to core deposits | 129.6926% | 309 |
| Total domestic deposits to total assets | 81.2425% | 4,204 |
| Equity capital to assets | 18.6466% | 283 |
| Core capital (leverage) ratio | 18.3272% | 266 |
| Tier 1 risk-based capital ratio | 21.1709% | 1,246 |
| Total risk-based capital ratio | 22.4211% | 1,228 |
| Memoranda: | ||
| Average total assets | $79,555,000 | 4,828 |
| Average earning assets | $78,136,670 | 4,697 |
| Average equity | $13,547,000 | 4,068 |
| Average total loans | $70,884,330 | 4,071 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 4,528 |
| Cost of funding earning assets | 0.6574% | 1,016 |
| Net interest margin | 2.9754% | 5,172 |
| Noninterest income to average assets | 0.0243% | 6,029 |
| Noninterest expense to average assets | 0.7672% | 6,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3255% | 1,199 |
| Return on assets (ROA) | 1.3255% | 1,281 |
| Pretax return on assets | 2.1801% | 395 |
| Return on Equity (ROE) | 8.1307% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.1307% | 1,399 |
| Net charge-offs to loans | 0.3634% | 608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.6029% | 2,227 |
| Efficiency ratio | 26.0297% | 6,084 |
| Assets per employee ($millions) | 18.9473% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 3,187 |
| Loan loss allowance to noncurrent loans | 609.6552% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 4,802 |
| Noncurrent loans to loans | 0.2050% | 4,687 |
| Net loans and leases to total assets | 92.1493% | 30 |
| Net loans and leases to deposits | 112.8310% | 168 |
| Net loans and leases to core deposits | 141.8368% | 155 |
| Total domestic deposits to total assets | 81.6702% | 4,313 |
| Equity capital to assets | 17.9010% | 331 |
| Core capital (leverage) ratio | 16.6087% | 408 |
| Tier 1 risk-based capital ratio | 19.0407% | 1,728 |
| Total risk-based capital ratio | 20.2827% | 1,688 |
| Memoranda: | ||
| Average total assets | $82,382,000 | 4,803 |
| Average earning assets | $80,929,500 | 4,683 |
| Average equity | $13,430,500 | 4,100 |
| Average total loans | $74,848,500 | 4,004 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5187% | 5,993 |
| Cost of funding earning assets | 0.6840% | 891 |
| Net interest margin | 1.8347% | 6,075 |
| Noninterest income to average assets | 0.0489% | 6,008 |
| Noninterest expense to average assets | 0.7076% | 6,149 |
| Loan and lease loss provision to assets | 0.0109% | 4,187 |
| Net operating income to assets | 1.3544% | 1,134 |
| Return on assets (ROA) | 1.3544% | 1,177 |
| Pretax return on assets | 1.1381% | 2,895 |
| Return on Equity (ROE) | 9.7131% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.7131% | 505 |
| Net charge-offs to loans | 0.3143% | 959 |
| Credit loss provision to net charge-offs | 4.5872% | 3,862 |
| Earnings coverage of net charge-offs (x) | 4.8486% | 3,480 |
| Efficiency ratio | 38.1148% | 6,091 |
| Assets per employee ($millions) | 22.2438% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 3,451 |
| Loan loss allowance to noncurrent loans | 981.4433% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 5,159 |
| Noncurrent loans to loans | 0.1228% | 5,000 |
| Net loans and leases to total assets | 87.6898% | 134 |
| Net loans and leases to deposits | 103.3076% | 475 |
| Net loans and leases to core deposits | 125.5079% | 346 |
| Total domestic deposits to total assets | 84.8823% | 3,144 |
| Equity capital to assets | 14.9413% | 674 |
| Core capital (leverage) ratio | 14.9261% | 631 |
| Tier 1 risk-based capital ratio | 16.5219% | 2,467 |
| Total risk-based capital ratio | 17.7064% | 2,460 |
| Memoranda: | ||
| Average total assets | $91,997,800 | 4,625 |
| Average earning assets | $90,641,200 | 4,494 |
| Average equity | $12,828,000 | 4,167 |
| Average total loans | $69,365,000 | 4,109 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4621% | 6,100 |
| Cost of funding earning assets | 0.6826% | 923 |
| Net interest margin | 1.7795% | 6,173 |
| Noninterest income to average assets | 0.0388% | 6,128 |
| Noninterest expense to average assets | 0.6612% | 6,243 |
| Loan and lease loss provision to assets | 0.0144% | 3,986 |
| Net operating income to assets | 1.6358% | 711 |
| Return on assets (ROA) | 1.6358% | 733 |
| Pretax return on assets | 1.1169% | 3,153 |
| Return on Equity (ROE) | 11.9364% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.9364% | 375 |
| Net charge-offs to loans | 0.1852% | 1,377 |
| Credit loss provision to net charge-offs | 10.7527% | 3,444 |
| Earnings coverage of net charge-offs (x) | 8.4622% | 2,816 |
| Efficiency ratio | 36.8885% | 6,175 |
| Assets per employee ($millions) | 22.1433% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,855 |
| Loan loss allowance to noncurrent loans | 828.4615% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 5,173 |
| Noncurrent loans to loans | 0.1907% | 4,881 |
| Net loans and leases to total assets | 75.7454% | 1,423 |
| Net loans and leases to deposits | 89.2059% | 1,747 |
| Net loans and leases to core deposits | 110.8504% | 829 |
| Total domestic deposits to total assets | 84.9108% | 3,050 |
| Equity capital to assets | 14.8917% | 766 |
| Core capital (leverage) ratio | 14.7804% | 686 |
| Tier 1 risk-based capital ratio | 18.4469% | 1,918 |
| Total risk-based capital ratio | 19.7003% | 1,876 |
| Memoranda: | ||
| Average total assets | $92,753,500 | 4,659 |
| Average earning assets | $91,410,750 | 4,528 |
| Average equity | $12,711,500 | 4,234 |
| Average total loans | $66,962,750 | 4,210 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,160 |
| Cost of funding earning assets | 0.6756% | 963 |
| Net interest margin | 3.0981% | 4,974 |
| Noninterest income to average assets | 0.0319% | 6,211 |
| Noninterest expense to average assets | 2.3878% | 4,588 |
| Loan and lease loss provision to assets | 0.0212% | 3,707 |
| Net operating income to assets | 1.6527% | 682 |
| Return on assets (ROA) | 1.6527% | 709 |
| Pretax return on assets | 0.6819% | 4,716 |
| Return on Equity (ROE) | 12.3964% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.3964% | 361 |
| Net charge-offs to loans | 0.3185% | 826 |
| Credit loss provision to net charge-offs | 9.4340% | 3,102 |
| Earnings coverage of net charge-offs (x) | 3.1226% | 3,240 |
| Efficiency ratio | 77.2509% | 2,166 |
| Assets per employee ($millions) | 22.3948% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 2,771 |
| Loan loss allowance to noncurrent loans | 933.3333% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 5,351 |
| Noncurrent loans to loans | 0.1497% | 5,152 |
| Net loans and leases to total assets | 83.8031% | 385 |
| Net loans and leases to deposits | 97.9476% | 799 |
| Net loans and leases to core deposits | 122.1385% | 415 |
| Total domestic deposits to total assets | 85.5591% | 2,892 |
| Equity capital to assets | 14.3259% | 869 |
| Core capital (leverage) ratio | 13.8430% | 890 |
| Tier 1 risk-based capital ratio | 16.4895% | 2,613 |
| Total risk-based capital ratio | 17.7405% | 2,569 |
| Memoranda: | ||
| Average total assets | $94,147,000 | 4,676 |
| Average earning assets | $92,960,670 | 4,534 |
| Average equity | $12,552,000 | 4,279 |
| Average total loans | $66,561,330 | 4,251 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 3,714 |
| Cost of funding earning assets | 0.6671% | 1,010 |
| Net interest margin | 3.2097% | 4,574 |
| Noninterest income to average assets | 0.0332% | 6,268 |
| Noninterest expense to average assets | 2.4017% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.9078% | 90 |
| Return on assets (ROA) | 2.9078% | 95 |
| Pretax return on assets | 0.8047% | 4,218 |
| Return on Equity (ROE) | 22.5920% | 163 |
| Retained earnings to average equity (ytd only) | 22.5920% | 65 |
| Net charge-offs to loans | 0.5180% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.4250% | 2,759 |
| Efficiency ratio | 74.9030% | 2,666 |
| Assets per employee ($millions) | 23.5310% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 1,355 |
| Loan loss allowance to noncurrent loans | 1,090.9091% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 5,533 |
| Noncurrent loans to loans | 0.1710% | 5,157 |
| Net loans and leases to total assets | 60.3629% | 3,598 |
| Net loans and leases to deposits | 69.9498% | 3,753 |
| Net loans and leases to core deposits | 87.0343% | 2,428 |
| Total domestic deposits to total assets | 86.2947% | 2,772 |
| Equity capital to assets | 13.5534% | 1,149 |
| Core capital (leverage) ratio | 13.5531% | 957 |
| Tier 1 risk-based capital ratio | 19.9994% | 1,617 |
| Total risk-based capital ratio | 21.2541% | 1,588 |
| Memoranda: | ||
| Average total assets | $96,431,000 | 4,656 |
| Average earning assets | $95,336,000 | 4,524 |
| Average equity | $12,411,500 | 4,334 |
| Average total loans | $61,775,000 | 4,438 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,648 |
| Cost of funding earning assets | 0.6838% | 1,190 |
| Net interest margin | 3.6055% | 3,396 |
| Noninterest income to average assets | 0.0399% | 6,315 |
| Noninterest expense to average assets | 2.3326% | 5,018 |
| Loan and lease loss provision to assets | 0.0949% | 2,567 |
| Net operating income to assets | 1.1853% | 1,636 |
| Return on assets (ROA) | 1.1853% | 1,703 |
| Pretax return on assets | 1.1853% | 2,716 |
| Return on Equity (ROE) | 8.7293% | 2,716 |
| Retained earnings to average equity (ytd only) | -24.1190% | 6,444 |
| Net charge-offs to loans | 0.3257% | 1,351 |
| Credit loss provision to net charge-offs | 42.1941% | 3,631 |
| Earnings coverage of net charge-offs (x) | 5.6920% | 3,373 |
| Efficiency ratio | 64.5653% | 4,490 |
| Assets per employee ($millions) | 19.7476% | 49 |
| Cash dividends to net income (ytd only)* | 376.3010% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,608 |
| Loan loss allowance to noncurrent loans | 950.8197% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,537 |
| Noncurrent loans to loans | 0.1858% | 5,166 |
| Net loans and leases to total assets | 65.3183% | 3,000 |
| Net loans and leases to deposits | 74.4795% | 3,373 |
| Net loans and leases to core deposits | 90.1170% | 2,268 |
| Total domestic deposits to total assets | 87.6998% | 1,925 |
| Equity capital to assets | 12.2202% | 1,846 |
| Core capital (leverage) ratio | 11.9024% | 1,696 |
| Tier 1 risk-based capital ratio | 17.1315% | 2,461 |
| Total risk-based capital ratio | 18.3871% | 2,419 |
| Memoranda: | ||
| Average total assets | $105,377,600 | 4,469 |
| Average earning assets | $104,423,200 | 4,304 |
| Average equity | $14,308,200 | 3,977 |
| Average total loans | $72,767,400 | 4,102 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,496 |
| Cost of funding earning assets | 0.6737% | 1,297 |
| Net interest margin | 3.6574% | 3,197 |
| Noninterest income to average assets | 0.0423% | 6,400 |
| Noninterest expense to average assets | 2.2546% | 5,214 |
| Loan and lease loss provision to assets | 0.1246% | 2,006 |
| Net operating income to assets | 1.2880% | 1,401 |
| Return on assets (ROA) | 1.2880% | 1,457 |
| Pretax return on assets | 1.2880% | 2,424 |
| Return on Equity (ROE) | 9.2720% | 2,556 |
| Retained earnings to average equity (ytd only) | -32.8735% | 6,541 |
| Net charge-offs to loans | 0.3273% | 1,224 |
| Credit loss provision to net charge-offs | 54.6448% | 3,033 |
| Earnings coverage of net charge-offs (x) | 6.1968% | 3,126 |
| Efficiency ratio | 61.4810% | 4,967 |
| Assets per employee ($millions) | 20.2574% | 48 |
| Cash dividends to net income (ytd only)* | 454.5462% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 2,172 |
| Loan loss allowance to noncurrent loans | 963.4921% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 5,668 |
| Noncurrent loans to loans | 0.1701% | 5,400 |
| Net loans and leases to total assets | 71.9263% | 1,864 |
| Net loans and leases to deposits | 81.5410% | 2,483 |
| Net loans and leases to core deposits | 100.0206% | 1,363 |
| Total domestic deposits to total assets | 88.2088% | 1,650 |
| Equity capital to assets | 11.6984% | 2,311 |
| Core capital (leverage) ratio | 11.4539% | 2,096 |
| Tier 1 risk-based capital ratio | 15.2468% | 3,445 |
| Total risk-based capital ratio | 16.5007% | 3,389 |
| Memoranda: | ||
| Average total assets | $107,037,500 | 4,478 |
| Average earning assets | $106,083,500 | 4,299 |
| Average equity | $14,868,750 | 3,882 |
| Average total loans | $74,545,750 | 4,063 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,912 |
| Cost of funding earning assets | 0.6595% | 1,438 |
| Net interest margin | 3.5511% | 3,570 |
| Noninterest income to average assets | 0.0404% | 6,466 |
| Noninterest expense to average assets | 2.1220% | 5,582 |
| Loan and lease loss provision to assets | 0.1836% | 1,333 |
| Net operating income to assets | 1.2537% | 1,436 |
| Return on assets (ROA) | 1.2537% | 1,499 |
| Pretax return on assets | 1.2537% | 2,439 |
| Return on Equity (ROE) | 8.6045% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.6045% | 1,113 |
| Net charge-offs to loans | 0.2624% | 1,498 |
| Credit loss provision to net charge-offs | 102.0408% | 1,947 |
| Earnings coverage of net charge-offs (x) | 7.9898% | 2,549 |
| Efficiency ratio | 59.6184% | 5,351 |
| Assets per employee ($millions) | 21.0634% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 2,548 |
| Loan loss allowance to noncurrent loans | 1,565.0602% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 5,938 |
| Noncurrent loans to loans | 0.1008% | 5,715 |
| Net loans and leases to total assets | 76.9382% | 1,058 |
| Net loans and leases to deposits | 91.0060% | 1,272 |
| Net loans and leases to core deposits | 112.0997% | 596 |
| Total domestic deposits to total assets | 84.5419% | 3,704 |
| Equity capital to assets | 15.3831% | 629 |
| Core capital (leverage) ratio | 15.2005% | 572 |
| Tier 1 risk-based capital ratio | 19.0544% | 1,910 |
| Total risk-based capital ratio | 20.3083% | 1,869 |
| Memoranda: | ||
| Average total assets | $108,954,330 | 4,466 |
| Average earning assets | $107,966,330 | 4,293 |
| Average equity | $15,875,330 | 3,712 |
| Average total loans | $74,705,670 | 4,081 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 3,105 |
| Cost of funding earning assets | 0.6526% | 1,568 |
| Net interest margin | 3.4925% | 3,733 |
| Noninterest income to average assets | 0.0361% | 6,524 |
| Noninterest expense to average assets | 2.1233% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3722% | 1,057 |
| Return on assets (ROA) | 1.3722% | 1,096 |
| Pretax return on assets | 1.3722% | 1,845 |
| Return on Equity (ROE) | 9.6738% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.6738% | 1,058 |
| Net charge-offs to loans | 0.4288% | 848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,446 |
| Efficiency ratio | 60.7438% | 5,303 |
| Assets per employee ($millions) | 21.1940% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 1,898 |
| Loan loss allowance to noncurrent loans | 1,371.9101% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 5,999 |
| Noncurrent loans to loans | 0.1349% | 5,704 |
| Net loans and leases to total assets | 61.1239% | 3,374 |
| Net loans and leases to deposits | 71.9820% | 3,338 |
| Net loans and leases to core deposits | 89.6450% | 1,944 |
| Total domestic deposits to total assets | 84.9155% | 3,913 |
| Equity capital to assets | 15.0090% | 672 |
| Core capital (leverage) ratio | 14.4193% | 714 |
| Tier 1 risk-based capital ratio | 22.1371% | 1,275 |
| Total risk-based capital ratio | 23.3929% | 1,249 |
| Memoranda: | ||
| Average total assets | $110,773,000 | 4,474 |
| Average earning assets | $109,721,000 | 4,280 |
| Average equity | $15,712,500 | 3,748 |
| Average total loans | $70,894,500 | 4,239 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 959 |
| Cost of funding earning assets | 0.6109% | 2,564 |
| Net interest margin | 4.3650% | 964 |
| Noninterest income to average assets | 0.0482% | 6,551 |
| Noninterest expense to average assets | 2.2579% | 5,484 |
| Loan and lease loss provision to assets | 0.4006% | 746 |
| Net operating income to assets | 1.7109% | 572 |
| Return on assets (ROA) | 1.7109% | 586 |
| Pretax return on assets | 1.7109% | 926 |
| Return on Equity (ROE) | 13.5458% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.5458% | 219 |
| Net charge-offs to loans | 0.2115% | 2,771 |
| Credit loss provision to net charge-offs | 258.3333% | 874 |
| Earnings coverage of net charge-offs (x) | 13.6167% | 2,004 |
| Efficiency ratio | 51.6759% | 6,318 |
| Assets per employee ($millions) | 23.1152% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 2,367 |
| Loan loss allowance to noncurrent loans | 5,895.4545% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 6,354 |
| Noncurrent loans to loans | 0.0290% | 6,167 |
| Net loans and leases to total assets | 64.4580% | 2,959 |
| Net loans and leases to deposits | 74.5308% | 3,191 |
| Net loans and leases to core deposits | 89.0965% | 2,131 |
| Total domestic deposits to total assets | 86.4851% | 2,998 |
| Equity capital to assets | 13.4284% | 1,099 |
| Core capital (leverage) ratio | 13.1685% | 1,073 |
| Tier 1 risk-based capital ratio | 19.0725% | 1,898 |
| Total risk-based capital ratio | 20.3264% | 1,854 |
| Memoranda: | ||
| Average total assets | $116,080,200 | 4,361 |
| Average earning assets | $114,914,200 | 4,167 |
| Average equity | $14,661,400 | 3,930 |
| Average total loans | $85,119,000 | 3,795 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1113% | 760 |
| Cost of funding earning assets | 0.6062% | 2,762 |
| Net interest margin | 4.5052% | 732 |
| Noninterest income to average assets | 0.0447% | 6,652 |
| Noninterest expense to average assets | 2.2660% | 5,448 |
| Loan and lease loss provision to assets | 0.5163% | 525 |
| Net operating income to assets | 1.7222% | 609 |
| Return on assets (ROA) | 1.7222% | 636 |
| Pretax return on assets | 1.7222% | 1,054 |
| Return on Equity (ROE) | 13.8528% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.8528% | 259 |
| Net charge-offs to loans | 0.1403% | 3,135 |
| Credit loss provision to net charge-offs | 489.1304% | 558 |
| Earnings coverage of net charge-offs (x) | 21.2072% | 1,558 |
| Efficiency ratio | 50.3057% | 6,381 |
| Assets per employee ($millions) | 23.6916% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 2,964 |
| Loan loss allowance to noncurrent loans | 2,854.1667% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,350 |
| Noncurrent loans to loans | 0.0564% | 6,177 |
| Net loans and leases to total assets | 70.6892% | 1,837 |
| Net loans and leases to deposits | 81.0580% | 2,258 |
| Net loans and leases to core deposits | 89.9015% | 1,975 |
| Total domestic deposits to total assets | 87.2081% | 2,565 |
| Equity capital to assets | 12.7075% | 1,474 |
| Core capital (leverage) ratio | 12.6231% | 1,360 |
| Tier 1 risk-based capital ratio | 16.8214% | 2,793 |
| Total risk-based capital ratio | 18.0752% | 2,744 |
| Memoranda: | ||
| Average total assets | $116,206,250 | 4,406 |
| Average earning assets | $115,035,750 | 4,203 |
| Average equity | $14,446,750 | 4,027 |
| Average total loans | $87,450,000 | 3,777 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 720 |
| Cost of funding earning assets | 0.5796% | 3,133 |
| Net interest margin | 4.5534% | 643 |
| Noninterest income to average assets | 0.0468% | 6,681 |
| Noninterest expense to average assets | 2.3056% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2571% | 235 |
| Return on assets (ROA) | 2.2571% | 249 |
| Pretax return on assets | 2.2589% | 375 |
| Return on Equity (ROE) | 18.2946% | 440 |
| Retained earnings to average equity (ytd only) | 18.2946% | 119 |
| Net charge-offs to loans | 0.1859% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.9024% | 1,698 |
| Efficiency ratio | 50.5123% | 6,389 |
| Assets per employee ($millions) | 23.9430% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,088 |
| Loan loss allowance to noncurrent loans | 2,583.3333% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 6,439 |
| Noncurrent loans to loans | 0.0457% | 6,255 |
| Net loans and leases to total assets | 64.9877% | 2,759 |
| Net loans and leases to deposits | 74.2636% | 3,110 |
| Net loans and leases to core deposits | 81.5112% | 2,857 |
| Total domestic deposits to total assets | 87.5095% | 2,534 |
| Equity capital to assets | 12.4203% | 1,625 |
| Core capital (leverage) ratio | 12.9101% | 1,199 |
| Tier 1 risk-based capital ratio | 17.1076% | 2,676 |
| Total risk-based capital ratio | 18.1824% | 2,710 |
| Memoranda: | ||
| Average total assets | $115,455,670 | 4,451 |
| Average earning assets | $114,552,670 | 4,244 |
| Average equity | $14,244,670 | 4,100 |
| Average total loans | $88,231,000 | 3,765 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 386 |
| Cost of funding earning assets | 0.5873% | 3,239 |
| Net interest margin | 4.8833% | 348 |
| Noninterest income to average assets | 0.0353% | 6,780 |
| Noninterest expense to average assets | 2.3472% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.5308% | 155 |
| Return on assets (ROA) | 2.5308% | 166 |
| Pretax return on assets | 2.5308% | 257 |
| Return on Equity (ROE) | 20.5850% | 258 |
| Retained earnings to average equity (ytd only) | 20.5850% | 120 |
| Net charge-offs to loans | 0.1764% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.4878% | 1,312 |
| Efficiency ratio | 48.1187% | 6,607 |
| Assets per employee ($millions) | 22.8240% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,615 |
| Loan loss allowance to noncurrent loans | 735.6061% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 6,221 |
| Noncurrent loans to loans | 0.1493% | 6,023 |
| Net loans and leases to total assets | 76.6080% | 764 |
| Net loans and leases to deposits | 87.6424% | 1,182 |
| Net loans and leases to core deposits | 92.0234% | 1,505 |
| Total domestic deposits to total assets | 87.4097% | 2,685 |
| Equity capital to assets | 12.5280% | 1,696 |
| Core capital (leverage) ratio | 12.5215% | 1,329 |
| Tier 1 risk-based capital ratio | 15.2277% | 3,693 |
| Total risk-based capital ratio | 16.2678% | 3,785 |
| Memoranda: | ||
| Average total assets | $113,326,000 | 4,541 |
| Average earning assets | $112,383,500 | 4,325 |
| Average equity | $13,932,500 | 4,211 |
| Average total loans | $92,981,500 | 3,674 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 2,583 |
| Cost of funding earning assets | 0.6719% | 3,721 |
| Net interest margin | 4.0311% | 2,267 |
| Noninterest income to average assets | -0.0028% | 6,839 |
| Noninterest expense to average assets | 1.8993% | 6,493 |
| Loan and lease loss provision to assets | 0.1454% | 3,786 |
| Net operating income to assets | 1.9443% | 399 |
| Return on assets (ROA) | 1.9443% | 437 |
| Pretax return on assets | 1.9443% | 677 |
| Return on Equity (ROE) | 16.5749% | 588 |
| Retained earnings to average equity (ytd only) | 16.5749% | 102 |
| Net charge-offs to loans | 0.4128% | 2,598 |
| Credit loss provision to net charge-offs | 51.3245% | 4,667 |
| Earnings coverage of net charge-offs (x) | 7.3742% | 2,621 |
| Efficiency ratio | 47.6123% | 6,725 |
| Assets per employee ($millions) | 22.5064% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 5,822 |
| Loan loss allowance to noncurrent loans | 1,775.4386% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 6,509 |
| Noncurrent loans to loans | 0.0584% | 6,343 |
| Net loans and leases to total assets | 85.8023% | 133 |
| Net loans and leases to deposits | 97.6339% | 527 |
| Net loans and leases to core deposits | 104.3184% | 773 |
| Total domestic deposits to total assets | 87.8817% | 2,302 |
| Equity capital to assets | 12.0570% | 2,009 |
| Core capital (leverage) ratio | 12.3833% | 1,367 |
| Tier 1 risk-based capital ratio | 13.4612% | 4,779 |
| Total risk-based capital ratio | 14.4703% | 4,890 |
| Memoranda: | ||
| Average total assets | $106,568,000 | 4,664 |
| Average earning assets | $105,528,600 | 4,459 |
| Average equity | $12,500,800 | 4,459 |
| Average total loans | $73,155,800 | 4,231 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 3,137 |
| Cost of funding earning assets | 0.6870% | 3,892 |
| Net interest margin | 3.9321% | 2,794 |
| Noninterest income to average assets | -0.0190% | 6,970 |
| Noninterest expense to average assets | 1.8373% | 6,635 |
| Loan and lease loss provision to assets | 0.1903% | 3,207 |
| Net operating income to assets | 1.8462% | 523 |
| Return on assets (ROA) | 1.8462% | 591 |
| Pretax return on assets | 1.8462% | 962 |
| Return on Equity (ROE) | 15.8570% | 762 |
| Retained earnings to average equity (ytd only) | 15.8570% | 197 |
| Net charge-offs to loans | 0.5866% | 1,874 |
| Credit loss provision to net charge-offs | 50.8475% | 4,384 |
| Earnings coverage of net charge-offs (x) | 5.4407% | 3,027 |
| Efficiency ratio | 47.4288% | 6,750 |
| Assets per employee ($millions) | 21.9040% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,603 |
| Loan loss allowance to noncurrent loans | 189.5327% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,451 |
| Noncurrent loans to loans | 0.7101% | 5,016 |
| Net loans and leases to total assets | 67.8707% | 2,318 |
| Net loans and leases to deposits | 77.0687% | 2,799 |
| Net loans and leases to core deposits | 85.0675% | 2,571 |
| Total domestic deposits to total assets | 88.0652% | 2,007 |
| Equity capital to assets | 11.8371% | 2,404 |
| Core capital (leverage) ratio | 11.8581% | 1,742 |
| Tier 1 risk-based capital ratio | 15.7196% | 3,415 |
| Total risk-based capital ratio | 16.9569% | 3,383 |
| Memoranda: | ||
| Average total assets | $105,077,000 | 4,749 |
| Average earning assets | $104,029,000 | 4,540 |
| Average equity | $12,234,000 | 4,551 |
| Average total loans | $67,053,000 | 4,502 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 2,721 |
| Cost of funding earning assets | 0.6941% | 4,065 |
| Net interest margin | 4.0554% | 2,267 |
| Noninterest income to average assets | 0.0463% | 6,868 |
| Noninterest expense to average assets | 1.8842% | 6,629 |
| Loan and lease loss provision to assets | 0.2896% | 2,265 |
| Net operating income to assets | 1.8881% | 471 |
| Return on assets (ROA) | 1.8881% | 539 |
| Pretax return on assets | 1.8881% | 865 |
| Return on Equity (ROE) | 16.3127% | 720 |
| Retained earnings to average equity (ytd only) | 16.3127% | 208 |
| Net charge-offs to loans | 0.6689% | 1,649 |
| Credit loss provision to net charge-offs | 69.7674% | 3,569 |
| Earnings coverage of net charge-offs (x) | 5.2465% | 2,875 |
| Efficiency ratio | 46.3878% | 6,867 |
| Assets per employee ($millions) | 22.3516% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,491 |
| Loan loss allowance to noncurrent loans | 195.7066% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 5,379 |
| Noncurrent loans to loans | 0.9798% | 4,551 |
| Net loans and leases to total assets | 50.0734% | 5,342 |
| Net loans and leases to deposits | 56.4106% | 5,604 |
| Net loans and leases to core deposits | 62.0844% | 5,380 |
| Total domestic deposits to total assets | 88.7659% | 1,663 |
| Equity capital to assets | 11.1589% | 2,940 |
| Core capital (leverage) ratio | 11.1849% | 2,136 |
| Tier 1 risk-based capital ratio | 18.5006% | 2,132 |
| Total risk-based capital ratio | 19.7548% | 2,088 |
| Memoranda: | ||
| Average total assets | $103,596,000 | 4,812 |
| Average earning assets | $102,580,000 | 4,614 |
| Average equity | $11,990,670 | 4,604 |
| Average total loans | $64,288,670 | 4,628 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 1,156 |
| Cost of funding earning assets | 0.7071% | 4,216 |
| Net interest margin | 4.5679% | 871 |
| Noninterest income to average assets | 0.0563% | 6,906 |
| Noninterest expense to average assets | 1.9896% | 6,481 |
| Loan and lease loss provision to assets | 0.6029% | 950 |
| Net operating income to assets | 1.9816% | 434 |
| Return on assets (ROA) | 1.9816% | 497 |
| Pretax return on assets | 1.9816% | 761 |
| Return on Equity (ROE) | 16.7823% | 705 |
| Retained earnings to average equity (ytd only) | 16.7823% | 318 |
| Net charge-offs to loans | 0.8129% | 1,265 |
| Credit loss provision to net charge-offs | 108.6957% | 2,151 |
| Earnings coverage of net charge-offs (x) | 4.6594% | 2,531 |
| Efficiency ratio | 43.4974% | 7,010 |
| Assets per employee ($millions) | 22.2412% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,903 |
| Loan loss allowance to noncurrent loans | 198.8115% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 5,436 |
| Noncurrent loans to loans | 0.9182% | 4,830 |
| Net loans and leases to total assets | 56.6273% | 4,265 |
| Net loans and leases to deposits | 63.5302% | 4,701 |
| Net loans and leases to core deposits | 71.5871% | 4,212 |
| Total domestic deposits to total assets | 89.1346% | 1,615 |
| Equity capital to assets | 10.7872% | 3,165 |
| Core capital (leverage) ratio | 11.3927% | 1,969 |
| Tier 1 risk-based capital ratio | 16.3326% | 2,997 |
| Total risk-based capital ratio | 17.5876% | 2,952 |
| Memoranda: | ||
| Average total assets | $99,515,000 | 4,951 |
| Average earning assets | $98,426,500 | 4,731 |
| Average equity | $11,750,500 | 4,664 |
| Average total loans | $67,905,500 | 4,522 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 3,368 |
| Cost of funding earning assets | 0.7791% | 5,005 |
| Net interest margin | 4.1190% | 2,353 |
| Noninterest income to average assets | 0.1338% | 6,484 |
| Noninterest expense to average assets | 1.8387% | 6,912 |
| Loan and lease loss provision to assets | 0.4095% | 2,545 |
| Net operating income to assets | 1.9471% | 343 |
| Return on assets (ROA) | 1.9471% | 369 |
| Pretax return on assets | 1.9471% | 597 |
| Return on Equity (ROE) | 15.7730% | 638 |
| Retained earnings to average equity (ytd only) | 15.7730% | 103 |
| Net charge-offs to loans | 0.1862% | 4,653 |
| Credit loss provision to net charge-offs | 334.9057% | 696 |
| Earnings coverage of net charge-offs (x) | 19.2736% | 1,171 |
| Efficiency ratio | 43.8273% | 7,129 |
| Assets per employee ($millions) | 17.5648% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 3,519 |
| Loan loss allowance to noncurrent loans | 148.7805% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 4,546 |
| Noncurrent loans to loans | 1.0870% | 4,540 |
| Net loans and leases to total assets | 80.2833% | 463 |
| Net loans and leases to deposits | 92.4622% | 929 |
| Net loans and leases to core deposits | 109.9026% | 626 |
| Total domestic deposits to total assets | 86.8282% | 2,857 |
| Equity capital to assets | 13.1001% | 1,442 |
| Core capital (leverage) ratio | 13.0406% | 1,122 |
| Tier 1 risk-based capital ratio | 15.3656% | 3,410 |
| Total risk-based capital ratio | 16.6201% | 3,359 |
| Memoranda: | ||
| Average total assets | $86,693,600 | 5,271 |
| Average earning assets | $85,481,400 | 5,072 |
| Average equity | $10,701,800 | 4,858 |
| Average total loans | $56,921,800 | 4,987 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 3,881 |
| Cost of funding earning assets | 0.7949% | 5,183 |
| Net interest margin | 4.0356% | 2,750 |
| Noninterest income to average assets | 0.0849% | 6,817 |
| Noninterest expense to average assets | 1.7868% | 7,011 |
| Loan and lease loss provision to assets | 0.1620% | 4,444 |
| Net operating income to assets | 2.1154% | 288 |
| Return on assets (ROA) | 2.1154% | 305 |
| Pretax return on assets | 2.1154% | 500 |
| Return on Equity (ROE) | 17.4074% | 522 |
| Retained earnings to average equity (ytd only) | 17.4074% | 130 |
| Net charge-offs to loans | 0.2880% | 3,651 |
| Credit loss provision to net charge-offs | 91.3043% | 3,732 |
| Earnings coverage of net charge-offs (x) | 12.8347% | 1,666 |
| Efficiency ratio | 43.9636% | 7,145 |
| Assets per employee ($millions) | 17.3520% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,885 |
| Loan loss allowance to noncurrent loans | 66.9145% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.7485% | 3,474 |
| Noncurrent loans to loans | 2.3176% | 2,987 |
| Net loans and leases to total assets | 65.8541% | 2,933 |
| Net loans and leases to deposits | 75.7950% | 3,356 |
| Net loans and leases to core deposits | 104.0142% | 984 |
| Total domestic deposits to total assets | 86.8845% | 2,724 |
| Equity capital to assets | 12.9092% | 1,659 |
| Core capital (leverage) ratio | 12.9920% | 1,235 |
| Tier 1 risk-based capital ratio | 17.5377% | 2,426 |
| Total risk-based capital ratio | 18.7894% | 2,401 |
| Memoranda: | ||
| Average total assets | $86,411,000 | 5,317 |
| Average earning assets | $85,206,250 | 5,116 |
| Average equity | $10,501,000 | 4,921 |
| Average total loans | $53,235,500 | 5,192 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 5,222 |
| Cost of funding earning assets | 0.8067% | 5,320 |
| Net interest margin | 3.7323% | 4,107 |
| Noninterest income to average assets | 0.0626% | 6,990 |
| Noninterest expense to average assets | 1.5829% | 7,260 |
| Loan and lease loss provision to assets | 0.2434% | 3,472 |
| Net operating income to assets | 1.9144% | 396 |
| Return on assets (ROA) | 1.9144% | 425 |
| Pretax return on assets | 1.9144% | 684 |
| Return on Equity (ROE) | 16.0888% | 662 |
| Retained earnings to average equity (ytd only) | 16.0888% | 203 |
| Net charge-offs to loans | 0.4222% | 2,873 |
| Credit loss provision to net charge-offs | 96.3303% | 3,263 |
| Earnings coverage of net charge-offs (x) | 8.5413% | 2,044 |
| Efficiency ratio | 42.3172% | 7,294 |
| Assets per employee ($millions) | 17.2342% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 4,460 |
| Loan loss allowance to noncurrent loans | 145.8937% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 4,851 |
| Noncurrent loans to loans | 0.9768% | 5,030 |
| Net loans and leases to total assets | 72.7252% | 1,645 |
| Net loans and leases to deposits | 83.2598% | 2,225 |
| Net loans and leases to core deposits | 115.8395% | 522 |
| Total domestic deposits to total assets | 87.3473% | 2,551 |
| Equity capital to assets | 12.3615% | 1,867 |
| Core capital (leverage) ratio | 11.8368% | 1,698 |
| Tier 1 risk-based capital ratio | 15.8458% | 3,057 |
| Total risk-based capital ratio | 17.0966% | 3,032 |
| Memoranda: | ||
| Average total assets | $86,294,670 | 5,366 |
| Average earning assets | $85,041,330 | 5,160 |
| Average equity | $10,268,000 | 4,981 |
| Average total loans | $51,635,670 | 5,298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 5,180 |
| Cost of funding earning assets | 0.7431% | 5,905 |
| Net interest margin | 3.8049% | 3,593 |
| Noninterest income to average assets | 0.0510% | 7,130 |
| Noninterest expense to average assets | 1.4869% | 7,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.3113% | 224 |
| Return on assets (ROA) | 2.3113% | 236 |
| Pretax return on assets | 2.3113% | 338 |
| Return on Equity (ROE) | 19.8094% | 338 |
| Retained earnings to average equity (ytd only) | 19.8094% | 166 |
| Net charge-offs to loans | 0.7533% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.8023% | 2,209 |
| Efficiency ratio | 39.1463% | 7,409 |
| Assets per employee ($millions) | 22.4240% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 2,652 |
| Loan loss allowance to noncurrent loans | 136.4238% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 4,887 |
| Noncurrent loans to loans | 1.4007% | 4,374 |
| Net loans and leases to total assets | 47.1548% | 6,171 |
| Net loans and leases to deposits | 53.4371% | 6,350 |
| Net loans and leases to core deposits | 73.9932% | 4,534 |
| Total domestic deposits to total assets | 88.2436% | 2,229 |
| Equity capital to assets | 11.5122% | 2,253 |
| Core capital (leverage) ratio | 12.3176% | 1,405 |
| Tier 1 risk-based capital ratio | 20.8780% | 1,419 |
| Total risk-based capital ratio | 22.1341% | 1,396 |
| Memoranda: | ||
| Average total assets | $86,356,500 | 5,397 |
| Average earning assets | $85,048,000 | 5,184 |
| Average equity | $10,076,000 | 5,028 |
| Average total loans | $45,666,500 | 5,579 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 6,685 |
| Cost of funding earning assets | 0.8961% | 6,187 |
| Net interest margin | 3.4672% | 5,374 |
| Noninterest income to average assets | 0.1476% | 6,656 |
| Noninterest expense to average assets | 1.3641% | 7,499 |
| Loan and lease loss provision to assets | 0.5059% | 3,130 |
| Net operating income to assets | 1.6902% | 529 |
| Return on assets (ROA) | 1.6902% | 568 |
| Pretax return on assets | 1.6902% | 962 |
| Return on Equity (ROE) | 15.3799% | 666 |
| Retained earnings to average equity (ytd only) | 15.3799% | 111 |
| Net charge-offs to loans | 0.9644% | 2,247 |
| Credit loss provision to net charge-offs | 100.9501% | 4,501 |
| Earnings coverage of net charge-offs (x) | 4.3824% | 2,948 |
| Efficiency ratio | 38.3149% | 7,525 |
| Assets per employee ($millions) | 16.6034% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,598 |
| Loan loss allowance to noncurrent loans | 147.0113% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 4,796 |
| Noncurrent loans to loans | 1.2839% | 4,569 |
| Net loans and leases to total assets | 56.9799% | 5,192 |
| Net loans and leases to deposits | 64.7889% | 5,540 |
| Net loans and leases to core deposits | 100.8657% | 1,547 |
| Total domestic deposits to total assets | 87.9470% | 2,280 |
| Equity capital to assets | 11.8361% | 2,013 |
| Core capital (leverage) ratio | 11.9376% | 1,597 |
| Tier 1 risk-based capital ratio | 19.0499% | 1,708 |
| Total risk-based capital ratio | 20.3055% | 1,672 |
| Memoranda: | ||
| Average total assets | $84,014,000 | 5,468 |
| Average earning assets | $82,689,000 | 5,254 |
| Average equity | $9,232,800 | 5,346 |
| Average total loans | $43,652,400 | 5,759 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 6,628 |
| Cost of funding earning assets | 0.9469% | 6,193 |
| Net interest margin | 3.5432% | 5,129 |
| Noninterest income to average assets | 0.1709% | 6,655 |
| Noninterest expense to average assets | 1.3813% | 7,601 |
| Loan and lease loss provision to assets | 0.1978% | 5,063 |
| Net operating income to assets | 2.0792% | 297 |
| Return on assets (ROA) | 2.0792% | 316 |
| Pretax return on assets | 2.0792% | 529 |
| Return on Equity (ROE) | 19.2852% | 368 |
| Retained earnings to average equity (ytd only) | 19.2852% | 94 |
| Net charge-offs to loans | 0.1662% | 4,985 |
| Credit loss provision to net charge-offs | 235.8491% | 1,434 |
| Earnings coverage of net charge-offs (x) | 27.1528% | 941 |
| Efficiency ratio | 37.7595% | 7,615 |
| Assets per employee ($millions) | 20.4233% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7775% | 1,020 |
| Loan loss allowance to noncurrent loans | 89.3151% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.7064% | 3,889 |
| Noncurrent loans to loans | 3.1098% | 2,565 |
| Net loans and leases to total assets | 41.9044% | 6,983 |
| Net loans and leases to deposits | 47.7708% | 7,097 |
| Net loans and leases to core deposits | 70.2893% | 5,716 |
| Total domestic deposits to total assets | 87.7199% | 2,149 |
| Equity capital to assets | 11.9129% | 2,216 |
| Core capital (leverage) ratio | 11.4258% | 1,986 |
| Tier 1 risk-based capital ratio | 24.0118% | 945 |
| Total risk-based capital ratio | 25.2754% | 915 |
| Memoranda: | ||
| Average total assets | $84,263,250 | 5,532 |
| Average earning assets | $82,935,000 | 5,308 |
| Average equity | $9,084,500 | 5,468 |
| Average total loans | $42,512,250 | 5,896 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 6,389 |
| Cost of funding earning assets | 1.0024% | 6,128 |
| Net interest margin | 3.6228% | 4,723 |
| Noninterest income to average assets | 0.2115% | 6,408 |
| Noninterest expense to average assets | 1.3792% | 7,677 |
| Loan and lease loss provision to assets | 0.2937% | 4,033 |
| Net operating income to assets | 2.1053% | 276 |
| Return on assets (ROA) | 2.1053% | 300 |
| Pretax return on assets | 2.1053% | 484 |
| Return on Equity (ROE) | 20.2060% | 307 |
| Retained earnings to average equity (ytd only) | 20.2060% | 86 |
| Net charge-offs to loans | 0.4138% | 3,335 |
| Credit loss provision to net charge-offs | 134.4086% | 2,984 |
| Earnings coverage of net charge-offs (x) | 10.9785% | 1,819 |
| Efficiency ratio | 36.5050% | 7,692 |
| Assets per employee ($millions) | 21.1343% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 1,436 |
| Loan loss allowance to noncurrent loans | 83.9749% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6762% | 3,922 |
| Noncurrent loans to loans | 2.8502% | 2,809 |
| Net loans and leases to total assets | 45.2488% | 6,829 |
| Net loans and leases to deposits | 50.9897% | 7,025 |
| Net loans and leases to core deposits | 73.4218% | 5,505 |
| Total domestic deposits to total assets | 88.7410% | 1,577 |
| Equity capital to assets | 11.0520% | 2,806 |
| Core capital (leverage) ratio | 10.9345% | 2,290 |
| Tier 1 risk-based capital ratio | 19.0918% | 1,699 |
| Total risk-based capital ratio | 20.3513% | 1,662 |
| Memoranda: | ||
| Average total assets | $85,120,000 | 5,531 |
| Average earning assets | $83,802,670 | 5,305 |
| Average equity | $8,868,670 | 5,543 |
| Average total loans | $44,946,000 | 5,823 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 6,139 |
| Cost of funding earning assets | 1.0414% | 6,166 |
| Net interest margin | 3.6901% | 4,296 |
| Noninterest income to average assets | -0.0047% | 7,687 |
| Noninterest expense to average assets | 1.2504% | 7,819 |
| Loan and lease loss provision to assets | 0.5854% | 2,164 |
| Net operating income to assets | 1.7937% | 504 |
| Return on assets (ROA) | 1.7937% | 551 |
| Pretax return on assets | 1.7937% | 886 |
| Return on Equity (ROE) | 17.7489% | 535 |
| Retained earnings to average equity (ytd only) | 17.7489% | 255 |
| Net charge-offs to loans | 0.6440% | 2,216 |
| Credit loss provision to net charge-offs | 162.3377% | 2,228 |
| Earnings coverage of net charge-offs (x) | 6.5974% | 2,200 |
| Efficiency ratio | 34.4516% | 7,808 |
| Assets per employee ($millions) | 21.1588% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 1,950 |
| Loan loss allowance to noncurrent loans | 68.5345% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7841% | 3,813 |
| Noncurrent loans to loans | 3.0678% | 2,608 |
| Net loans and leases to total assets | 52.4854% | 6,215 |
| Net loans and leases to deposits | 58.7813% | 6,570 |
| Net loans and leases to core deposits | 88.3508% | 3,592 |
| Total domestic deposits to total assets | 89.2893% | 1,372 |
| Equity capital to assets | 10.4354% | 3,310 |
| Core capital (leverage) ratio | 10.1220% | 3,019 |
| Tier 1 risk-based capital ratio | 16.3081% | 2,524 |
| Total risk-based capital ratio | 17.5562% | 2,489 |
| Memoranda: | ||
| Average total assets | $85,411,500 | 5,586 |
| Average earning assets | $84,116,000 | 5,358 |
| Average equity | $8,631,500 | 5,653 |
| Average total loans | $47,824,000 | 5,767 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 6,182 |
| Cost of funding earning assets | 1.2657% | 6,421 |
| Net interest margin | 3.8071% | 3,675 |
| Noninterest income to average assets | 0.0662% | 7,416 |
| Noninterest expense to average assets | 1.1584% | 7,920 |
| Loan and lease loss provision to assets | 2.0152% | 1,069 |
| Net operating income to assets | 0.6356% | 3,190 |
| Return on assets (ROA) | 0.6356% | 3,246 |
| Pretax return on assets | 0.6356% | 3,792 |
| Return on Equity (ROE) | 5.1770% | 3,590 |
| Retained earnings to average equity (ytd only) | -10.3196% | 6,545 |
| Net charge-offs to loans | 3.1126% | 660 |
| Credit loss provision to net charge-offs | 111.2840% | 4,940 |
| Earnings coverage of net charge-offs (x) | 1.4638% | 4,663 |
| Efficiency ratio | 30.4107% | 7,934 |
| Assets per employee ($millions) | 21.5470% | 71 |
| Cash dividends to net income (ytd only)* | 299.3348% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 2,538 |
| Loan loss allowance to noncurrent loans | 180.8383% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 5,831 |
| Noncurrent loans to loans | 0.9966% | 5,322 |
| Net loans and leases to total assets | 57.2783% | 5,778 |
| Net loans and leases to deposits | 63.6222% | 6,315 |
| Net loans and leases to core deposits | 106.6127% | 3,261 |
| Total domestic deposits to total assets | 90.0288% | 943 |
| Equity capital to assets | 9.7821% | 4,030 |
| Core capital (leverage) ratio | 12.6500% | 1,375 |
| Tier 1 risk-based capital ratio | 13.5786% | 3,773 |
| Total risk-based capital ratio | 14.8320% | 3,716 |
| Memoranda: | ||
| Average total assets | $70,961,800 | 5,977 |
| Average earning assets | $69,763,800 | 5,819 |
| Average equity | $8,711,600 | 5,695 |
| Average total loans | $41,284,000 | 6,047 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 4,042 |
| Cost of funding earning assets | 1.4124% | 6,178 |
| Net interest margin | 4.1564% | 2,193 |
| Noninterest income to average assets | 0.0993% | 7,407 |
| Noninterest expense to average assets | 1.2250% | 7,987 |
| Loan and lease loss provision to assets | 1.8464% | 1,004 |
| Net operating income to assets | 1.1118% | 1,702 |
| Return on assets (ROA) | 1.1118% | 1,760 |
| Pretax return on assets | 1.1118% | 2,526 |
| Return on Equity (ROE) | 8.5023% | 2,447 |
| Retained earnings to average equity (ytd only) | -11.9943% | 6,944 |
| Net charge-offs to loans | 2.2610% | 840 |
| Credit loss provision to net charge-offs | 140.4834% | 3,497 |
| Earnings coverage of net charge-offs (x) | 2.2508% | 4,138 |
| Efficiency ratio | 29.2833% | 8,014 |
| Assets per employee ($millions) | 15.3115% | 103 |
| Cash dividends to net income (ytd only)* | 241.0715% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2775% | 515 |
| Loan loss allowance to noncurrent loans | 67.6084% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.6108% | 2,668 |
| Noncurrent loans to loans | 4.8478% | 1,400 |
| Net loans and leases to total assets | 49.5820% | 6,809 |
| Net loans and leases to deposits | 57.9578% | 6,965 |
| Net loans and leases to core deposits | 67.4492% | 7,095 |
| Total domestic deposits to total assets | 85.5484% | 2,945 |
| Equity capital to assets | 13.9797% | 1,309 |
| Core capital (leverage) ratio | 13.7812% | 1,146 |
| Tier 1 risk-based capital ratio | 22.7191% | 1,143 |
| Total risk-based capital ratio | 23.9886% | 1,113 |
| Memoranda: | ||
| Average total assets | $67,155,250 | 6,145 |
| Average earning assets | $65,984,250 | 5,965 |
| Average equity | $8,781,750 | 5,726 |
| Average total loans | $39,036,750 | 6,198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 3,779 |
| Cost of funding earning assets | 1.4800% | 6,220 |
| Net interest margin | 4.1782% | 2,067 |
| Noninterest income to average assets | 0.0984% | 7,490 |
| Noninterest expense to average assets | 1.2673% | 8,065 |
| Loan and lease loss provision to assets | 0.7233% | 2,269 |
| Net operating income to assets | 2.2163% | 187 |
| Return on assets (ROA) | 2.2163% | 207 |
| Pretax return on assets | 2.2163% | 348 |
| Return on Equity (ROE) | 17.3010% | 555 |
| Retained earnings to average equity (ytd only) | -13.1903% | 7,125 |
| Net charge-offs to loans | 0.2164% | 4,150 |
| Credit loss provision to net charge-offs | 555.5556% | 835 |
| Earnings coverage of net charge-offs (x) | 22.5778% | 1,217 |
| Efficiency ratio | 30.1238% | 8,104 |
| Assets per employee ($millions) | 15.2410% | 101 |
| Cash dividends to net income (ytd only)* | 176.2402% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6186% | 808 |
| Loan loss allowance to noncurrent loans | 72.7410% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 2.3046% | 2,825 |
| Noncurrent loans to loans | 3.5999% | 1,938 |
| Net loans and leases to total assets | 58.9266% | 5,851 |
| Net loans and leases to deposits | 70.7500% | 5,900 |
| Net loans and leases to core deposits | 82.9175% | 6,167 |
| Total domestic deposits to total assets | 83.2885% | 4,110 |
| Equity capital to assets | 14.3396% | 1,212 |
| Core capital (leverage) ratio | 13.2207% | 1,356 |
| Tier 1 risk-based capital ratio | 20.7902% | 1,431 |
| Total risk-based capital ratio | 22.0542% | 1,394 |
| Memoranda: | ||
| Average total assets | $69,125,000 | 6,104 |
| Average earning assets | $67,971,670 | 5,952 |
| Average equity | $8,855,000 | 5,737 |
| Average total loans | $41,583,670 | 6,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 4,921 |
| Cost of funding earning assets | 1.5328% | 6,299 |
| Net interest margin | 3.9653% | 2,796 |
| Noninterest income to average assets | 0.0710% | 7,707 |
| Noninterest expense to average assets | 1.1365% | 8,133 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.8359% | 80 |
| Return on assets (ROA) | 2.8359% | 99 |
| Pretax return on assets | 2.8359% | 148 |
| Return on Equity (ROE) | 23.2957% | 248 |
| Retained earnings to average equity (ytd only) | -37.3001% | 7,935 |
| Net charge-offs to loans | 0.0455% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 103.8000% | 421 |
| Efficiency ratio | 28.6107% | 8,157 |
| Assets per employee ($millions) | 17.5435% | 96 |
| Cash dividends to net income (ytd only)* | 260.1156% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 1,836 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,538 |
| Noncurrent loans to loans | 0.9028% | 5,196 |
| Net loans and leases to total assets | 58.5901% | 5,858 |
| Net loans and leases to deposits | 79.1465% | 4,751 |
| Net loans and leases to core deposits | 95.5763% | 5,014 |
| Total domestic deposits to total assets | 74.0274% | 6,887 |
| Equity capital to assets | 12.1170% | 2,192 |
| Core capital (leverage) ratio | 11.3912% | 2,211 |
| Tier 1 risk-based capital ratio | 17.6660% | 2,137 |
| Total risk-based capital ratio | 18.9213% | 2,084 |
| Memoranda: | ||
| Average total assets | $73,205,500 | 6,023 |
| Average earning assets | $72,025,000 | 5,845 |
| Average equity | $8,911,500 | 5,734 |
| Average total loans | $43,930,500 | 6,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0670% | 5,221 |
| Cost of funding earning assets | 2.4111% | 4,671 |
| Net interest margin | 3.6559% | 4,653 |
| Noninterest income to average assets | 0.0741% | 7,768 |
| Noninterest expense to average assets | 1.1389% | 8,180 |
| Loan and lease loss provision to assets | 0.8008% | 1,853 |
| Net operating income to assets | 1.7187% | 655 |
| Return on assets (ROA) | 1.7187% | 627 |
| Pretax return on assets | 1.7187% | 1,107 |
| Return on Equity (ROE) | 12.9991% | 1,328 |
| Retained earnings to average equity (ytd only) | 1.7833% | 4,130 |
| Net charge-offs to loans | 1.3858% | 849 |
| Credit loss provision to net charge-offs | 92.3077% | 5,622 |
| Earnings coverage of net charge-offs (x) | 2.9043% | 4,631 |
| Efficiency ratio | 31.1309% | 8,227 |
| Assets per employee ($millions) | 19.0593% | 81 |
| Cash dividends to net income (ytd only)* | 86.2813% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 2,042 |
| Loan loss allowance to noncurrent loans | 761.0000% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,843 |
| Noncurrent loans to loans | 0.2174% | 6,742 |
| Net loans and leases to total assets | 59.3268% | 6,010 |
| Net loans and leases to deposits | 84.5939% | 4,323 |
| Net loans and leases to core deposits | 104.1015% | 4,383 |
| Total domestic deposits to total assets | 70.1313% | 7,260 |
| Equity capital to assets | 12.2250% | 2,150 |
| Core capital (leverage) ratio | 12.1367% | 1,908 |
| Tier 1 risk-based capital ratio | 17.6552% | 2,132 |
| Total risk-based capital ratio | 18.9076% | 2,072 |
| Memoranda: | ||
| Average total assets | $67,432,800 | 6,107 |
| Average earning assets | $66,111,600 | 5,962 |
| Average equity | $8,916,000 | 5,765 |
| Average total loans | $42,215,200 | 6,062 |