Home > The First National Bank of Absecon > Performance and Condition Ratios
The First National Bank of Absecon, 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 | 4.3067% | 3,436 |
| Cost of funding earning assets | 0.4375% | 4,257 |
| Net interest margin | 3.8692% | 1,443 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.7460% | 1,635 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8827% | 2,599 |
| Return on assets (ROA) | 0.8537% | 2,665 |
| Pretax return on assets | 1.0483% | 2,540 |
| Return on Equity (ROE) | 12.3000% | 1,892 |
| Retained earnings to average equity (ytd only) | 9.7165% | 1,086 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.6063% | 1,808 |
| Assets per employee ($millions) | 5.0279% | 3,613 |
| Cash dividends to net income (ytd only)* | 21.0159% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 3,718 |
| Loan loss allowance to noncurrent loans | 702.0979% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,035 |
| Noncurrent loans to loans | 0.1277% | 2,879 |
| Net loans and leases to total assets | 59.6400% | 2,878 |
| Net loans and leases to deposits | 65.2703% | 3,215 |
| Net loans and leases to core deposits | 66.9404% | 3,452 |
| Total domestic deposits to total assets | 91.3800% | 414 |
| Equity capital to assets | 7.7605% | 3,569 |
| Core capital (leverage) ratio | 9.7724% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $184,483,400 | 3,093 |
| Average earning assets | $174,842,600 | 3,053 |
| Average equity | $12,803,000 | 3,455 |
| Average total loans | $109,715,600 | 3,066 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 3,394 |
| Cost of funding earning assets | 0.3798% | 4,278 |
| Net interest margin | 3.8613% | 1,477 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.7688% | 1,501 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8812% | 2,748 |
| Return on assets (ROA) | 0.8742% | 2,762 |
| Pretax return on assets | 1.0740% | 2,643 |
| Return on Equity (ROE) | 12.9800% | 1,902 |
| Retained earnings to average equity (ytd only) | 12.9839% | 817 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.3246% | 1,639 |
| Assets per employee ($millions) | 5.0883% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 3,982 |
| Loan loss allowance to noncurrent loans | 610.0671% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 3,048 |
| Noncurrent loans to loans | 0.1311% | 2,898 |
| Net loans and leases to total assets | 61.5300% | 2,699 |
| Net loans and leases to deposits | 66.4332% | 3,093 |
| Net loans and leases to core deposits | 68.0169% | 3,324 |
| Total domestic deposits to total assets | 92.6200% | 361 |
| Equity capital to assets | 6.7458% | 3,731 |
| Core capital (leverage) ratio | 9.7400% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $184,096,250 | 3,100 |
| Average earning assets | $174,479,000 | 3,066 |
| Average equity | $12,394,500 | 3,488 |
| Average total loans | $109,154,750 | 3,071 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 3,444 |
| Cost of funding earning assets | 0.3190% | 4,286 |
| Net interest margin | 3.8045% | 1,612 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.7733% | 1,475 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8230% | 3,009 |
| Return on assets (ROA) | 0.8124% | 3,053 |
| Pretax return on assets | 0.9946% | 2,928 |
| Return on Equity (ROE) | 12.0700% | 2,136 |
| Retained earnings to average equity (ytd only) | 12.0738% | 970 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.2929% | 1,525 |
| Assets per employee ($millions) | 5.1231% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 3,990 |
| Loan loss allowance to noncurrent loans | 578.8462% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 2,946 |
| Noncurrent loans to loans | 0.1402% | 2,770 |
| Net loans and leases to total assets | 59.8400% | 2,787 |
| Net loans and leases to deposits | 64.7336% | 3,142 |
| Net loans and leases to core deposits | 66.2399% | 3,337 |
| Total domestic deposits to total assets | 92.4400% | 333 |
| Equity capital to assets | 7.0188% | 3,786 |
| Core capital (leverage) ratio | 9.5205% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $184,401,667 | 3,104 |
| Average earning assets | $174,897,333 | 3,067 |
| Average equity | $12,407,000 | 3,498 |
| Average total loans | $107,668,000 | 3,086 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,471 |
| Cost of funding earning assets | 0.2287% | 4,332 |
| Net interest margin | 3.7620% | 1,764 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.7811% | 1,476 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.7416% | 3,367 |
| Return on assets (ROA) | 0.7202% | 3,375 |
| Pretax return on assets | 0.8786% | 3,290 |
| Return on Equity (ROE) | 10.9400% | 2,510 |
| Retained earnings to average equity (ytd only) | 10.9408% | 1,478 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.2571% | 1,412 |
| Assets per employee ($millions) | 5.0372% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 4,075 |
| Loan loss allowance to noncurrent loans | 321.5613% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,500 |
| Noncurrent loans to loans | 0.2500% | 2,251 |
| Net loans and leases to total assets | 57.2600% | 2,935 |
| Net loans and leases to deposits | 61.7853% | 3,239 |
| Net loans and leases to core deposits | 63.0985% | 3,385 |
| Total domestic deposits to total assets | 92.6800% | 358 |
| Equity capital to assets | 6.8045% | 3,910 |
| Core capital (leverage) ratio | 9.3627% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,386,000 | 3,144 |
| Average earning assets | $174,905,500 | 3,102 |
| Average equity | $12,138,000 | 3,560 |
| Average total loans | $105,868,000 | 3,138 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 3,510 |
| Cost of funding earning assets | 0.0544% | 4,568 |
| Net interest margin | 3.2766% | 2,630 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.6269% | 1,746 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.5483% | 3,992 |
| Return on assets (ROA) | 0.5488% | 3,955 |
| Pretax return on assets | 0.6538% | 3,939 |
| Return on Equity (ROE) | 7.4200% | 3,538 |
| Retained earnings to average equity (ytd only) | 5.6253% | 2,777 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.7695% | 801 |
| Assets per employee ($millions) | 4.9296% | 3,729 |
| Cash dividends to net income (ytd only)* | 24.2273% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 2,958 |
| Loan loss allowance to noncurrent loans | 409.7826% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 2,480 |
| Noncurrent loans to loans | 0.2650% | 2,206 |
| Net loans and leases to total assets | 56.4800% | 2,978 |
| Net loans and leases to deposits | 60.7142% | 3,288 |
| Net loans and leases to core deposits | 60.8973% | 3,457 |
| Total domestic deposits to total assets | 93.0200% | 402 |
| Equity capital to assets | 6.3566% | 3,959 |
| Core capital (leverage) ratio | 8.9828% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7753% | 1,167 |
| Memoranda: | ||
| Average total assets | $182,764,000 | 3,161 |
| Average earning assets | $172,860,600 | 3,123 |
| Average equity | $13,510,400 | 3,521 |
| Average total loans | $97,718,800 | 3,183 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1612% | 3,535 |
| Cost of funding earning assets | 0.0532% | 4,564 |
| Net interest margin | 3.1079% | 2,911 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.6636% | 1,553 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.4061% | 4,232 |
| Return on assets (ROA) | 0.4061% | 4,173 |
| Pretax return on assets | 0.4718% | 4,185 |
| Return on Equity (ROE) | 5.3100% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.3086% | 2,993 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.8806% | 555 |
| Assets per employee ($millions) | 5.4145% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,030 |
| Loan loss allowance to noncurrent loans | 382.0423% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,536 |
| Noncurrent loans to loans | 0.2870% | 2,217 |
| Net loans and leases to total assets | 53.1700% | 3,168 |
| Net loans and leases to deposits | 56.9914% | 3,406 |
| Net loans and leases to core deposits | 57.1611% | 3,553 |
| Total domestic deposits to total assets | 93.2900% | 504 |
| Equity capital to assets | 6.2974% | 3,847 |
| Core capital (leverage) ratio | 8.9651% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $182,856,500 | 3,186 |
| Average earning assets | $172,886,250 | 3,145 |
| Average equity | $13,989,500 | 3,512 |
| Average total loans | $96,112,750 | 3,223 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0283% | 3,482 |
| Cost of funding earning assets | 0.0532% | 4,573 |
| Net interest margin | 2.9750% | 2,958 |
| Noninterest income to average assets | 0.2467% | 3,693 |
| Noninterest expense to average assets | 2.6836% | 1,430 |
| Loan and lease loss provision to assets | 0.0307% | 2,040 |
| Net operating income to assets | 0.3135% | 4,262 |
| Return on assets (ROA) | 0.3135% | 4,212 |
| Pretax return on assets | 0.3497% | 4,229 |
| Return on Equity (ROE) | 3.8679% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.8679% | 3,134 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5850% | 506 |
| Assets per employee ($millions) | 5.6779% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,238 |
| Loan loss allowance to noncurrent loans | 330.9375% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,475 |
| Noncurrent loans to loans | 0.3262% | 2,173 |
| Net loans and leases to total assets | 53.4085% | 3,018 |
| Net loans and leases to deposits | 57.7242% | 3,250 |
| Net loans and leases to core deposits | 57.8995% | 3,427 |
| Total domestic deposits to total assets | 92.5236% | 645 |
| Equity capital to assets | 7.0790% | 3,724 |
| Core capital (leverage) ratio | 8.9052% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,444,333 | 3,223 |
| Average earning assets | $172,771,667 | 3,190 |
| Average equity | $14,788,333 | 3,517 |
| Average total loans | $95,161,667 | 3,251 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9161% | 3,490 |
| Cost of funding earning assets | 0.0531% | 4,575 |
| Net interest margin | 2.8631% | 2,944 |
| Noninterest income to average assets | 0.2144% | 3,872 |
| Noninterest expense to average assets | 2.7962% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1510% | 4,403 |
| Return on assets (ROA) | 0.1510% | 4,370 |
| Pretax return on assets | 0.1335% | 4,408 |
| Return on Equity (ROE) | 1.7522% | 4,297 |
| Retained earnings to average equity (ytd only) | 1.7522% | 3,617 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4444% | 347 |
| Assets per employee ($millions) | 5.3643% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,397 |
| Loan loss allowance to noncurrent loans | 312.4242% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 2,533 |
| Noncurrent loans to loans | 0.3471% | 2,244 |
| Net loans and leases to total assets | 51.5645% | 3,022 |
| Net loans and leases to deposits | 56.2563% | 3,246 |
| Net loans and leases to core deposits | 56.4281% | 3,412 |
| Total domestic deposits to total assets | 91.6600% | 718 |
| Equity capital to assets | 7.9490% | 3,612 |
| Core capital (leverage) ratio | 9.0717% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,820,500 | 3,227 |
| Average earning assets | $173,379,500 | 3,196 |
| Average equity | $15,751,500 | 3,492 |
| Average total loans | $93,693,500 | 3,276 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0541% | 3,774 |
| Cost of funding earning assets | 0.0612% | 4,639 |
| Net interest margin | 2.9929% | 3,213 |
| Noninterest income to average assets | 0.2469% | 3,897 |
| Noninterest expense to average assets | 2.6898% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3580% | 4,334 |
| Return on assets (ROA) | 0.3819% | 4,333 |
| Pretax return on assets | 0.4491% | 4,332 |
| Return on Equity (ROE) | 3.9113% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.5350% | 3,823 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4685% | 447 |
| Assets per employee ($millions) | 5.2358% | 3,527 |
| Cash dividends to net income (ytd only)* | 35.1880% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,289 |
| Loan loss allowance to noncurrent loans | 300.5831% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 2,629 |
| Noncurrent loans to loans | 0.3716% | 2,256 |
| Net loans and leases to total assets | 49.8096% | 3,305 |
| Net loans and leases to deposits | 55.3663% | 3,477 |
| Net loans and leases to core deposits | 55.5378% | 3,661 |
| Total domestic deposits to total assets | 89.9637% | 982 |
| Equity capital to assets | 9.2795% | 3,341 |
| Core capital (leverage) ratio | 9.1935% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,140,000 | 3,259 |
| Average earning assets | $166,630,200 | 3,218 |
| Average equity | $17,002,000 | 3,460 |
| Average total loans | $92,448,400 | 3,301 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0209% | 3,967 |
| Cost of funding earning assets | 0.0631% | 4,725 |
| Net interest margin | 2.9578% | 3,424 |
| Noninterest income to average assets | 0.1939% | 4,233 |
| Noninterest expense to average assets | 2.7362% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2551% | 4,573 |
| Return on assets (ROA) | 0.2878% | 4,557 |
| Pretax return on assets | 0.3328% | 4,565 |
| Return on Equity (ROE) | 2.9095% | 4,479 |
| Retained earnings to average equity (ytd only) | 2.9095% | 3,939 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2739% | 312 |
| Assets per employee ($millions) | 4.8073% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,450 |
| Loan loss allowance to noncurrent loans | 292.0680% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 2,802 |
| Noncurrent loans to loans | 0.3760% | 2,430 |
| Net loans and leases to total assets | 52.1971% | 3,177 |
| Net loans and leases to deposits | 58.1290% | 3,396 |
| Net loans and leases to core deposits | 58.3144% | 3,598 |
| Total domestic deposits to total assets | 89.7954% | 867 |
| Equity capital to assets | 9.5733% | 3,313 |
| Core capital (leverage) ratio | 9.3906% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,861,500 | 3,311 |
| Average earning assets | $164,846,250 | 3,264 |
| Average equity | $17,001,250 | 3,510 |
| Average total loans | $92,483,250 | 3,344 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0489% | 3,959 |
| Cost of funding earning assets | 0.0649% | 4,767 |
| Net interest margin | 2.9839% | 3,365 |
| Noninterest income to average assets | 0.1837% | 4,282 |
| Noninterest expense to average assets | 2.7658% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2473% | 4,582 |
| Return on assets (ROA) | 0.2473% | 4,599 |
| Pretax return on assets | 0.2849% | 4,600 |
| Return on Equity (ROE) | 2.4717% | 4,548 |
| Retained earnings to average equity (ytd only) | 2.4717% | 4,005 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6600% | 324 |
| Assets per employee ($millions) | 4.6947% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 3,172 |
| Loan loss allowance to noncurrent loans | 280.1630% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 2,880 |
| Noncurrent loans to loans | 0.4117% | 2,445 |
| Net loans and leases to total assets | 50.8618% | 3,463 |
| Net loans and leases to deposits | 56.7960% | 3,654 |
| Net loans and leases to core deposits | 56.9817% | 3,835 |
| Total domestic deposits to total assets | 89.5518% | 1,000 |
| Equity capital to assets | 9.8282% | 3,028 |
| Core capital (leverage) ratio | 9.6005% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,858,667 | 3,342 |
| Average earning assets | $163,208,667 | 3,276 |
| Average equity | $16,992,333 | 3,512 |
| Average total loans | $92,019,667 | 3,371 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 3,814 |
| Cost of funding earning assets | 0.0666% | 4,802 |
| Net interest margin | 3.0682% | 3,083 |
| Noninterest income to average assets | 0.1858% | 4,262 |
| Noninterest expense to average assets | 2.7201% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3525% | 4,444 |
| Return on assets (ROA) | 0.3525% | 4,472 |
| Pretax return on assets | 0.4264% | 4,455 |
| Return on Equity (ROE) | 3.4921% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.4921% | 3,633 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4497% | 496 |
| Assets per employee ($millions) | 4.3776% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,361 |
| Loan loss allowance to noncurrent loans | 253.9409% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 2,952 |
| Noncurrent loans to loans | 0.4386% | 2,542 |
| Net loans and leases to total assets | 53.6175% | 3,277 |
| Net loans and leases to deposits | 59.9069% | 3,493 |
| Net loans and leases to core deposits | 60.1064% | 3,693 |
| Total domestic deposits to total assets | 89.5013% | 1,065 |
| Equity capital to assets | 9.8503% | 2,846 |
| Core capital (leverage) ratio | 9.9451% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,936,000 | 3,357 |
| Average earning assets | $162,050,000 | 3,290 |
| Average equity | $16,952,500 | 3,511 |
| Average total loans | $93,339,500 | 3,358 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 3,829 |
| Cost of funding earning assets | 0.0980% | 4,864 |
| Net interest margin | 3.4942% | 2,496 |
| Noninterest income to average assets | 0.1946% | 4,312 |
| Noninterest expense to average assets | 2.7536% | 2,062 |
| Loan and lease loss provision to assets | 0.1825% | 2,121 |
| Net operating income to assets | 0.5206% | 3,984 |
| Return on assets (ROA) | 0.5474% | 4,006 |
| Pretax return on assets | 0.6697% | 3,948 |
| Return on Equity (ROE) | 5.0296% | 3,893 |
| Retained earnings to average equity (ytd only) | 1.7177% | 3,942 |
| Net charge-offs to loans | 0.0541% | 2,011 |
| Credit loss provision to net charge-offs | 593.7500% | 1,112 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,708 |
| Efficiency ratio | 77.0650% | 1,117 |
| Assets per employee ($millions) | 5.0044% | 3,390 |
| Cash dividends to net income (ytd only)* | 65.8480% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,482 |
| Loan loss allowance to noncurrent loans | 381.8519% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 3,454 |
| Noncurrent loans to loans | 0.2869% | 3,171 |
| Net loans and leases to total assets | 56.3610% | 3,262 |
| Net loans and leases to deposits | 63.4998% | 3,476 |
| Net loans and leases to core deposits | 63.8303% | 3,703 |
| Total domestic deposits to total assets | 88.7578% | 1,088 |
| Equity capital to assets | 10.3472% | 2,799 |
| Core capital (leverage) ratio | 10.0132% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,198,000 | 3,325 |
| Average earning assets | $151,023,000 | 3,255 |
| Average equity | $16,999,400 | 3,453 |
| Average total loans | $88,675,400 | 3,421 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 4,039 |
| Cost of funding earning assets | 0.1073% | 4,911 |
| Net interest margin | 3.4817% | 2,652 |
| Noninterest income to average assets | 0.1914% | 4,330 |
| Noninterest expense to average assets | 2.8335% | 1,872 |
| Loan and lease loss provision to assets | 0.1715% | 2,276 |
| Net operating income to assets | 0.4470% | 4,173 |
| Return on assets (ROA) | 0.4824% | 4,154 |
| Pretax return on assets | 0.6010% | 4,098 |
| Return on Equity (ROE) | 4.3744% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.3744% | 2,859 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5526% | 899 |
| Assets per employee ($millions) | 4.7431% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,735 |
| Loan loss allowance to noncurrent loans | 171.0345% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 2,708 |
| Noncurrent loans to loans | 0.5802% | 2,344 |
| Net loans and leases to total assets | 61.3694% | 3,080 |
| Net loans and leases to deposits | 69.4225% | 3,359 |
| Net loans and leases to core deposits | 69.9164% | 3,630 |
| Total domestic deposits to total assets | 88.3999% | 1,015 |
| Equity capital to assets | 10.8231% | 2,535 |
| Core capital (leverage) ratio | 10.3576% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,961,000 | 3,334 |
| Average earning assets | $149,044,250 | 3,254 |
| Average equity | $16,977,250 | 3,461 |
| Average total loans | $87,317,000 | 3,463 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,222 |
| Cost of funding earning assets | 0.1196% | 4,942 |
| Net interest margin | 3.5045% | 2,771 |
| Noninterest income to average assets | 0.1795% | 4,386 |
| Noninterest expense to average assets | 2.8840% | 1,870 |
| Loan and lease loss provision to assets | 0.2297% | 1,830 |
| Net operating income to assets | 0.3666% | 4,299 |
| Return on assets (ROA) | 0.4197% | 4,250 |
| Pretax return on assets | 0.5372% | 4,181 |
| Return on Equity (ROE) | 3.7816% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.7816% | 3,022 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4788% | 856 |
| Assets per employee ($millions) | 4.4585% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,621 |
| Loan loss allowance to noncurrent loans | 164.3463% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 2,825 |
| Noncurrent loans to loans | 0.6024% | 2,340 |
| Net loans and leases to total assets | 60.3096% | 3,290 |
| Net loans and leases to deposits | 68.1421% | 3,553 |
| Net loans and leases to core deposits | 68.6374% | 3,822 |
| Total domestic deposits to total assets | 88.5057% | 942 |
| Equity capital to assets | 10.7523% | 2,525 |
| Core capital (leverage) ratio | 10.2783% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,526,000 | 3,342 |
| Average earning assets | $147,181,333 | 3,250 |
| Average equity | $16,818,333 | 3,477 |
| Average total loans | $83,102,667 | 3,532 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6949% | 4,404 |
| Cost of funding earning assets | 0.1263% | 5,006 |
| Net interest margin | 3.5687% | 2,774 |
| Noninterest income to average assets | 0.1904% | 4,415 |
| Noninterest expense to average assets | 2.9625% | 1,977 |
| Loan and lease loss provision to assets | 0.2911% | 1,064 |
| Net operating income to assets | 0.3066% | 4,330 |
| Return on assets (ROA) | 0.4162% | 4,137 |
| Pretax return on assets | 0.5359% | 4,061 |
| Return on Equity (ROE) | 3.6871% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.6871% | 2,808 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1475% | 1,029 |
| Assets per employee ($millions) | 4.0866% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,030 |
| Loan loss allowance to noncurrent loans | 179.8403% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,081 |
| Noncurrent loans to loans | 0.6297% | 2,413 |
| Net loans and leases to total assets | 53.4703% | 4,027 |
| Net loans and leases to deposits | 60.6978% | 4,176 |
| Net loans and leases to core deposits | 61.0691% | 4,311 |
| Total domestic deposits to total assets | 88.0926% | 1,074 |
| Equity capital to assets | 11.3412% | 2,555 |
| Core capital (leverage) ratio | 11.3613% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9264% | 563 |
| Memoranda: | ||
| Average total assets | $147,036,500 | 3,366 |
| Average earning assets | $142,573,000 | 3,268 |
| Average equity | $16,598,500 | 3,506 |
| Average total loans | $75,770,000 | 3,647 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,730 |
| Cost of funding earning assets | 0.1243% | 5,076 |
| Net interest margin | 3.5211% | 3,380 |
| Noninterest income to average assets | 0.2236% | 4,325 |
| Noninterest expense to average assets | 3.0361% | 1,920 |
| Loan and lease loss provision to assets | 0.0716% | 2,567 |
| Net operating income to assets | 0.4117% | 4,575 |
| Return on assets (ROA) | 0.4816% | 4,493 |
| Pretax return on assets | 0.6288% | 4,372 |
| Return on Equity (ROE) | 4.5014% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.0052% | 3,528 |
| Net charge-offs to loans | 0.0140% | 3,200 |
| Credit loss provision to net charge-offs | 1,177.7778% | 295 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 672 |
| Efficiency ratio | 83.2253% | 711 |
| Assets per employee ($millions) | 4.0821% | 3,805 |
| Cash dividends to net income (ytd only)* | 33.2398% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 2,932 |
| Loan loss allowance to noncurrent loans | 156.2992% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 3,025 |
| Noncurrent loans to loans | 0.7058% | 2,110 |
| Net loans and leases to total assets | 48.4369% | 4,408 |
| Net loans and leases to deposits | 55.0648% | 4,498 |
| Net loans and leases to core deposits | 55.4081% | 4,610 |
| Total domestic deposits to total assets | 87.9636% | 1,139 |
| Equity capital to assets | 11.2362% | 2,776 |
| Core capital (leverage) ratio | 11.2249% | 2,315 |
| Tier 1 risk-based capital ratio | 22.2856% | 989 |
| Total risk-based capital ratio | 23.3873% | 983 |
| Memoranda: | ||
| Average total assets | $148,054,200 | 3,325 |
| Average earning assets | $143,987,600 | 3,233 |
| Average equity | $15,839,400 | 3,559 |
| Average total loans | $64,159,600 | 3,905 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 4,838 |
| Cost of funding earning assets | 0.1209% | 5,158 |
| Net interest margin | 3.5272% | 3,484 |
| Noninterest income to average assets | 0.2202% | 4,411 |
| Noninterest expense to average assets | 3.0364% | 1,865 |
| Loan and lease loss provision to assets | 0.0674% | 2,537 |
| Net operating income to assets | 0.4211% | 4,684 |
| Return on assets (ROA) | 0.5142% | 4,537 |
| Pretax return on assets | 0.6697% | 4,412 |
| Return on Equity (ROE) | 4.8666% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.8666% | 2,952 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0588% | 685 |
| Assets per employee ($millions) | 4.0831% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,755 |
| Loan loss allowance to noncurrent loans | 118.2236% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 2,749 |
| Noncurrent loans to loans | 0.9753% | 1,640 |
| Net loans and leases to total assets | 45.0253% | 4,652 |
| Net loans and leases to deposits | 51.0128% | 4,745 |
| Net loans and leases to core deposits | 51.3289% | 4,808 |
| Total domestic deposits to total assets | 88.2627% | 931 |
| Equity capital to assets | 11.1182% | 2,992 |
| Core capital (leverage) ratio | 11.1537% | 2,512 |
| Tier 1 risk-based capital ratio | 23.5567% | 893 |
| Total risk-based capital ratio | 24.6830% | 884 |
| Memoranda: | ||
| Average total assets | $148,329,250 | 3,357 |
| Average earning assets | $144,474,750 | 3,256 |
| Average equity | $15,671,250 | 3,615 |
| Average total loans | $62,206,000 | 3,988 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5896% | 4,938 |
| Cost of funding earning assets | 0.1186% | 5,202 |
| Net interest margin | 3.4709% | 3,686 |
| Noninterest income to average assets | 0.2205% | 4,425 |
| Noninterest expense to average assets | 3.0261% | 1,926 |
| Loan and lease loss provision to assets | 0.1008% | 1,859 |
| Net operating income to assets | 0.3513% | 4,798 |
| Return on assets (ROA) | 0.4087% | 4,743 |
| Pretax return on assets | 0.5485% | 4,626 |
| Return on Equity (ROE) | 3.9360% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.9360% | 3,277 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9925% | 651 |
| Assets per employee ($millions) | 3.9914% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,495 |
| Loan loss allowance to noncurrent loans | 116.6163% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 2,728 |
| Noncurrent loans to loans | 1.0339% | 1,586 |
| Net loans and leases to total assets | 42.8350% | 4,755 |
| Net loans and leases to deposits | 48.3403% | 4,838 |
| Net loans and leases to core deposits | 48.4528% | 4,900 |
| Total domestic deposits to total assets | 88.6114% | 822 |
| Equity capital to assets | 10.8889% | 3,188 |
| Core capital (leverage) ratio | 10.9380% | 2,655 |
| Tier 1 risk-based capital ratio | 24.2152% | 825 |
| Total risk-based capital ratio | 25.3922% | 817 |
| Memoranda: | ||
| Average total assets | $148,774,670 | 3,369 |
| Average earning assets | $144,976,330 | 3,272 |
| Average equity | $15,447,330 | 3,642 |
| Average total loans | $60,622,670 | 4,038 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 5,006 |
| Cost of funding earning assets | 0.1156% | 5,259 |
| Net interest margin | 3.4292% | 3,816 |
| Noninterest income to average assets | 0.2170% | 4,450 |
| Noninterest expense to average assets | 2.9386% | 2,161 |
| Loan and lease loss provision to assets | 0.2009% | 793 |
| Net operating income to assets | 0.3081% | 4,888 |
| Return on assets (ROA) | 0.3081% | 4,895 |
| Pretax return on assets | 0.4152% | 4,818 |
| Return on Equity (ROE) | 3.0402% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.0402% | 3,718 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6677% | 816 |
| Assets per employee ($millions) | 3.7825% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,121 |
| Loan loss allowance to noncurrent loans | 134.7295% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 3,024 |
| Noncurrent loans to loans | 0.9601% | 1,737 |
| Net loans and leases to total assets | 39.9325% | 4,890 |
| Net loans and leases to deposits | 44.8720% | 4,962 |
| Net loans and leases to core deposits | 45.0739% | 5,018 |
| Total domestic deposits to total assets | 88.9919% | 861 |
| Equity capital to assets | 10.5261% | 3,323 |
| Core capital (leverage) ratio | 10.8180% | 2,749 |
| Tier 1 risk-based capital ratio | 24.9552% | 762 |
| Total risk-based capital ratio | 26.1824% | 752 |
| Memoranda: | ||
| Average total assets | $149,320,500 | 3,398 |
| Average earning assets | $145,340,500 | 3,308 |
| Average equity | $15,130,500 | 3,689 |
| Average total loans | $58,918,000 | 4,111 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 4,900 |
| Cost of funding earning assets | 0.1199% | 5,243 |
| Net interest margin | 3.3932% | 4,017 |
| Noninterest income to average assets | 0.2268% | 4,561 |
| Noninterest expense to average assets | 2.9066% | 2,328 |
| Loan and lease loss provision to assets | 0.0235% | 3,702 |
| Net operating income to assets | 0.4457% | 4,774 |
| Return on assets (ROA) | 0.4457% | 4,769 |
| Pretax return on assets | 0.5894% | 4,654 |
| Return on Equity (ROE) | 4.5501% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.3625% | 3,735 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5845% | 737 |
| Assets per employee ($millions) | 3.9769% | 3,919 |
| Cash dividends to net income (ytd only)* | 26.0997% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,581 |
| Loan loss allowance to noncurrent loans | 113.8889% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 2,941 |
| Noncurrent loans to loans | 1.0523% | 1,550 |
| Net loans and leases to total assets | 38.0216% | 5,015 |
| Net loans and leases to deposits | 42.4142% | 5,067 |
| Net loans and leases to core deposits | 42.6029% | 5,110 |
| Total domestic deposits to total assets | 89.6435% | 604 |
| Equity capital to assets | 9.7491% | 3,904 |
| Core capital (leverage) ratio | 10.4328% | 3,107 |
| Tier 1 risk-based capital ratio | 25.2007% | 730 |
| Total risk-based capital ratio | 26.3261% | 724 |
| Memoranda: | ||
| Average total assets | $153,029,600 | 3,351 |
| Average earning assets | $148,503,000 | 3,264 |
| Average equity | $14,988,800 | 3,644 |
| Average total loans | $56,882,400 | 4,164 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 4,966 |
| Cost of funding earning assets | 0.1190% | 5,308 |
| Net interest margin | 3.3423% | 4,176 |
| Noninterest income to average assets | 0.2258% | 4,619 |
| Noninterest expense to average assets | 2.7846% | 2,689 |
| Loan and lease loss provision to assets | 0.0130% | 3,736 |
| Net operating income to assets | 0.5194% | 4,717 |
| Return on assets (ROA) | 0.5194% | 4,718 |
| Pretax return on assets | 0.6714% | 4,600 |
| Return on Equity (ROE) | 5.2968% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.2968% | 3,060 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2704% | 919 |
| Assets per employee ($millions) | 4.0818% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,526 |
| Loan loss allowance to noncurrent loans | 169.0000% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 3,628 |
| Noncurrent loans to loans | 0.7206% | 2,275 |
| Net loans and leases to total assets | 36.3059% | 5,135 |
| Net loans and leases to deposits | 40.4150% | 5,194 |
| Net loans and leases to core deposits | 40.5936% | 5,230 |
| Total domestic deposits to total assets | 89.8328% | 564 |
| Equity capital to assets | 9.7441% | 3,878 |
| Core capital (leverage) ratio | 10.4187% | 3,166 |
| Tier 1 risk-based capital ratio | 26.0336% | 680 |
| Total risk-based capital ratio | 27.1553% | 675 |
| Memoranda: | ||
| Average total assets | $153,506,500 | 3,374 |
| Average earning assets | $148,956,500 | 3,282 |
| Average equity | $15,052,750 | 3,654 |
| Average total loans | $56,564,000 | 4,217 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 5,042 |
| Cost of funding earning assets | 0.1162% | 5,359 |
| Net interest margin | 3.2841% | 4,293 |
| Noninterest income to average assets | 0.2281% | 4,656 |
| Noninterest expense to average assets | 2.7693% | 2,765 |
| Loan and lease loss provision to assets | 0.0194% | 3,511 |
| Net operating income to assets | 0.4704% | 4,821 |
| Return on assets (ROA) | 0.4704% | 4,824 |
| Pretax return on assets | 0.6259% | 4,690 |
| Return on Equity (ROE) | 4.7873% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.7873% | 3,191 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1006% | 910 |
| Assets per employee ($millions) | 4.0901% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,713 |
| Loan loss allowance to noncurrent loans | 172.8900% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,732 |
| Noncurrent loans to loans | 0.6941% | 2,370 |
| Net loans and leases to total assets | 36.7768% | 5,156 |
| Net loans and leases to deposits | 40.9707% | 5,220 |
| Net loans and leases to core deposits | 41.0793% | 5,262 |
| Total domestic deposits to total assets | 89.7636% | 643 |
| Equity capital to assets | 9.8737% | 3,748 |
| Core capital (leverage) ratio | 10.2586% | 3,278 |
| Tier 1 risk-based capital ratio | 25.6312% | 694 |
| Total risk-based capital ratio | 26.7480% | 685 |
| Memoranda: | ||
| Average total assets | $154,333,670 | 3,389 |
| Average earning assets | $149,750,670 | 3,297 |
| Average equity | $15,165,000 | 3,658 |
| Average total loans | $56,916,330 | 4,248 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3580% | 5,066 |
| Cost of funding earning assets | 0.1138% | 5,414 |
| Net interest margin | 3.2442% | 4,327 |
| Noninterest income to average assets | 0.2233% | 4,677 |
| Noninterest expense to average assets | 2.7491% | 2,876 |
| Loan and lease loss provision to assets | 0.0385% | 2,980 |
| Net operating income to assets | 0.4364% | 4,851 |
| Return on assets (ROA) | 0.4364% | 4,856 |
| Pretax return on assets | 0.5827% | 4,727 |
| Return on Equity (ROE) | 4.4513% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.4513% | 3,414 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5689% | 994 |
| Assets per employee ($millions) | 4.2303% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,901 |
| Loan loss allowance to noncurrent loans | 186.7403% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 3,945 |
| Noncurrent loans to loans | 0.6346% | 2,640 |
| Net loans and leases to total assets | 36.0114% | 5,207 |
| Net loans and leases to deposits | 40.0217% | 5,262 |
| Net loans and leases to core deposits | 40.1320% | 5,303 |
| Total domestic deposits to total assets | 89.9796% | 662 |
| Equity capital to assets | 9.6262% | 3,968 |
| Core capital (leverage) ratio | 10.1925% | 3,315 |
| Tier 1 risk-based capital ratio | 26.1027% | 676 |
| Total risk-based capital ratio | 27.2541% | 668 |
| Memoranda: | ||
| Average total assets | $155,834,500 | 3,407 |
| Average earning assets | $151,162,000 | 3,313 |
| Average equity | $15,276,500 | 3,675 |
| Average total loans | $57,209,000 | 4,277 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3055% | 5,075 |
| Cost of funding earning assets | 0.1221% | 5,400 |
| Net interest margin | 3.1835% | 4,489 |
| Noninterest income to average assets | 0.2252% | 4,795 |
| Noninterest expense to average assets | 2.7586% | 2,926 |
| Loan and lease loss provision to assets | 0.0283% | 3,710 |
| Net operating income to assets | 0.3957% | 4,710 |
| Return on assets (ROA) | 0.3699% | 4,802 |
| Pretax return on assets | 0.5063% | 4,919 |
| Return on Equity (ROE) | 3.7324% | 4,593 |
| Retained earnings to average equity (ytd only) | 2.5770% | 3,779 |
| Net charge-offs to loans | -0.0054% | 4,658 |
| Credit loss provision to net charge-offs | -1,466.6667% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8759% | 863 |
| Assets per employee ($millions) | 4.3097% | 3,470 |
| Cash dividends to net income (ytd only)* | 30.9565% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,044 |
| Loan loss allowance to noncurrent loans | 129.3542% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,553 |
| Noncurrent loans to loans | 0.8906% | 1,998 |
| Net loans and leases to total assets | 36.5558% | 5,267 |
| Net loans and leases to deposits | 40.8305% | 5,324 |
| Net loans and leases to core deposits | 40.9487% | 5,362 |
| Total domestic deposits to total assets | 89.5307% | 759 |
| Equity capital to assets | 9.9814% | 3,733 |
| Core capital (leverage) ratio | 9.9950% | 3,460 |
| Tier 1 risk-based capital ratio | 25.3328% | 699 |
| Total risk-based capital ratio | 26.4450% | 696 |
| Memoranda: | ||
| Average total assets | $155,442,200 | 3,409 |
| Average earning assets | $151,533,200 | 3,302 |
| Average equity | $15,405,600 | 3,668 |
| Average total loans | $55,100,000 | 4,323 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 5,151 |
| Cost of funding earning assets | 0.1211% | 5,472 |
| Net interest margin | 3.1479% | 4,582 |
| Noninterest income to average assets | 0.2220% | 4,889 |
| Noninterest expense to average assets | 2.7606% | 2,858 |
| Loan and lease loss provision to assets | 0.0043% | 4,032 |
| Net operating income to assets | 0.3284% | 5,163 |
| Return on assets (ROA) | 0.3284% | 5,188 |
| Pretax return on assets | 0.5333% | 4,966 |
| Return on Equity (ROE) | 3.3190% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.3190% | 3,952 |
| Net charge-offs to loans | -0.0073% | 4,549 |
| Credit loss provision to net charge-offs | -166.6667% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7016% | 779 |
| Assets per employee ($millions) | 4.1909% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,486 |
| Loan loss allowance to noncurrent loans | 118.0266% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,690 |
| Noncurrent loans to loans | 0.9307% | 2,061 |
| Net loans and leases to total assets | 36.1144% | 5,340 |
| Net loans and leases to deposits | 40.3607% | 5,414 |
| Net loans and leases to core deposits | 40.4771% | 5,451 |
| Total domestic deposits to total assets | 89.4791% | 664 |
| Equity capital to assets | 10.1223% | 3,777 |
| Core capital (leverage) ratio | 9.9848% | 3,583 |
| Tier 1 risk-based capital ratio | 25.8047% | 693 |
| Total risk-based capital ratio | 26.8764% | 693 |
| Memoranda: | ||
| Average total assets | $155,515,500 | 3,439 |
| Average earning assets | $151,972,500 | 3,327 |
| Average equity | $15,385,500 | 3,705 |
| Average total loans | $54,530,750 | 4,377 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2404% | 5,191 |
| Cost of funding earning assets | 0.1196% | 5,509 |
| Net interest margin | 3.1208% | 4,625 |
| Noninterest income to average assets | 0.2197% | 4,939 |
| Noninterest expense to average assets | 2.7803% | 2,827 |
| Loan and lease loss provision to assets | 0.0064% | 3,794 |
| Net operating income to assets | 0.2955% | 5,235 |
| Return on assets (ROA) | 0.2955% | 5,251 |
| Pretax return on assets | 0.4831% | 5,032 |
| Return on Equity (ROE) | 3.0101% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.0101% | 3,924 |
| Net charge-offs to loans | 0.0186% | 2,875 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 76.2000% | 795 |
| Efficiency ratio | 85.0295% | 759 |
| Assets per employee ($millions) | 4.3088% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,605 |
| Loan loss allowance to noncurrent loans | 103.8917% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 3,584 |
| Noncurrent loans to loans | 1.0547% | 1,866 |
| Net loans and leases to total assets | 35.7296% | 5,387 |
| Net loans and leases to deposits | 39.8893% | 5,459 |
| Net loans and leases to core deposits | 40.0082% | 5,500 |
| Total domestic deposits to total assets | 89.5718% | 703 |
| Equity capital to assets | 10.0872% | 3,812 |
| Core capital (leverage) ratio | 9.8610% | 3,702 |
| Tier 1 risk-based capital ratio | 25.5246% | 702 |
| Total risk-based capital ratio | 26.5863% | 703 |
| Memoranda: | ||
| Average total assets | $155,666,330 | 3,443 |
| Average earning assets | $152,139,670 | 3,343 |
| Average equity | $15,282,000 | 3,724 |
| Average total loans | $53,833,670 | 4,426 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 5,175 |
| Cost of funding earning assets | 0.1206% | 5,559 |
| Net interest margin | 3.1285% | 4,574 |
| Noninterest income to average assets | 0.2129% | 4,993 |
| Noninterest expense to average assets | 2.7985% | 2,798 |
| Loan and lease loss provision to assets | 0.0128% | 3,399 |
| Net operating income to assets | 0.2822% | 5,238 |
| Return on assets (ROA) | 0.2822% | 5,253 |
| Pretax return on assets | 0.4617% | 5,028 |
| Return on Equity (ROE) | 2.9140% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.9140% | 3,958 |
| Net charge-offs to loans | -0.0683% | 5,313 |
| Credit loss provision to net charge-offs | -55.5556% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5016% | 844 |
| Assets per employee ($millions) | 4.1141% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 3,316 |
| Loan loss allowance to noncurrent loans | 110.7584% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,749 |
| Noncurrent loans to loans | 1.0542% | 1,945 |
| Net loans and leases to total assets | 34.0003% | 5,469 |
| Net loans and leases to deposits | 37.8271% | 5,529 |
| Net loans and leases to core deposits | 37.9464% | 5,577 |
| Total domestic deposits to total assets | 89.8834% | 713 |
| Equity capital to assets | 9.8134% | 3,961 |
| Core capital (leverage) ratio | 9.7206% | 3,845 |
| Tier 1 risk-based capital ratio | 25.7746% | 704 |
| Total risk-based capital ratio | 26.8832% | 702 |
| Memoranda: | ||
| Average total assets | $155,940,500 | 3,476 |
| Average earning assets | $152,535,000 | 3,370 |
| Average equity | $15,099,500 | 3,767 |
| Average total loans | $52,732,000 | 4,490 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2733% | 5,200 |
| Cost of funding earning assets | 0.1221% | 5,606 |
| Net interest margin | 3.1513% | 4,582 |
| Noninterest income to average assets | 0.2195% | 5,096 |
| Noninterest expense to average assets | 2.8096% | 2,990 |
| Loan and lease loss provision to assets | 0.0681% | 3,010 |
| Net operating income to assets | 0.2523% | 5,315 |
| Return on assets (ROA) | 0.2523% | 5,387 |
| Pretax return on assets | 0.4206% | 5,184 |
| Return on Equity (ROE) | 2.4283% | 5,306 |
| Retained earnings to average equity (ytd only) | 1.3056% | 4,759 |
| Net charge-offs to loans | 0.0790% | 2,557 |
| Credit loss provision to net charge-offs | 273.6842% | 1,057 |
| Earnings coverage of net charge-offs (x) | 19.6316% | 1,902 |
| Efficiency ratio | 85.1808% | 888 |
| Assets per employee ($millions) | 4.2039% | 3,614 |
| Cash dividends to net income (ytd only)* | 46.2338% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,192 |
| Loan loss allowance to noncurrent loans | 108.2892% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 3,823 |
| Noncurrent loans to loans | 1.0971% | 1,900 |
| Net loans and leases to total assets | 32.8312% | 5,578 |
| Net loans and leases to deposits | 36.4840% | 5,631 |
| Net loans and leases to core deposits | 36.6030% | 5,666 |
| Total domestic deposits to total assets | 89.9880% | 630 |
| Equity capital to assets | 9.5516% | 4,217 |
| Core capital (leverage) ratio | 9.8272% | 3,709 |
| Tier 1 risk-based capital ratio | 26.2729% | 676 |
| Total risk-based capital ratio | 27.3889% | 668 |
| Memoranda: | ||
| Average total assets | $152,621,400 | 3,476 |
| Average earning assets | $149,113,800 | 3,380 |
| Average equity | $15,854,800 | 3,712 |
| Average total loans | $48,114,400 | 4,632 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 5,144 |
| Cost of funding earning assets | 0.1222% | 5,667 |
| Net interest margin | 3.2166% | 4,439 |
| Noninterest income to average assets | 0.2151% | 5,176 |
| Noninterest expense to average assets | 2.8327% | 2,898 |
| Loan and lease loss provision to assets | 0.0676% | 2,866 |
| Net operating income to assets | 0.2783% | 5,323 |
| Return on assets (ROA) | 0.2783% | 5,408 |
| Pretax return on assets | 0.4582% | 5,215 |
| Return on Equity (ROE) | 2.6245% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.6245% | 4,342 |
| Net charge-offs to loans | 0.1073% | 1,871 |
| Credit loss provision to net charge-offs | 202.6316% | 1,429 |
| Earnings coverage of net charge-offs (x) | 15.7618% | 2,159 |
| Efficiency ratio | 84.3440% | 967 |
| Assets per employee ($millions) | 4.0370% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 3,251 |
| Loan loss allowance to noncurrent loans | 101.3817% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 3,906 |
| Noncurrent loans to loans | 1.1813% | 1,902 |
| Net loans and leases to total assets | 31.5687% | 5,690 |
| Net loans and leases to deposits | 35.5819% | 5,735 |
| Net loans and leases to core deposits | 35.7007% | 5,755 |
| Total domestic deposits to total assets | 88.7214% | 1,041 |
| Equity capital to assets | 10.7702% | 3,285 |
| Core capital (leverage) ratio | 10.0881% | 3,456 |
| Tier 1 risk-based capital ratio | 28.3631% | 559 |
| Total risk-based capital ratio | 29.5105% | 554 |
| Memoranda: | ||
| Average total assets | $151,890,750 | 3,503 |
| Average earning assets | $148,432,750 | 3,405 |
| Average equity | $16,104,250 | 3,710 |
| Average total loans | $47,222,750 | 4,695 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 5,089 |
| Cost of funding earning assets | 0.1218% | 5,748 |
| Net interest margin | 3.2733% | 4,316 |
| Noninterest income to average assets | 0.2035% | 5,275 |
| Noninterest expense to average assets | 2.8219% | 2,956 |
| Loan and lease loss provision to assets | 0.0885% | 2,371 |
| Net operating income to assets | 0.2986% | 5,326 |
| Return on assets (ROA) | 0.2986% | 5,414 |
| Pretax return on assets | 0.4875% | 5,158 |
| Return on Equity (ROE) | 2.8312% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.8312% | 4,100 |
| Net charge-offs to loans | 0.1201% | 1,632 |
| Credit loss provision to net charge-offs | 239.2857% | 1,143 |
| Earnings coverage of net charge-offs (x) | 15.5714% | 1,985 |
| Efficiency ratio | 83.0482% | 1,138 |
| Assets per employee ($millions) | 3.9760% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 3,121 |
| Loan loss allowance to noncurrent loans | 97.8333% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 3,902 |
| Noncurrent loans to loans | 1.2697% | 1,792 |
| Net loans and leases to total assets | 30.8882% | 5,766 |
| Net loans and leases to deposits | 35.0011% | 5,806 |
| Net loans and leases to core deposits | 35.1241% | 5,827 |
| Total domestic deposits to total assets | 88.2492% | 1,298 |
| Equity capital to assets | 11.0148% | 3,044 |
| Core capital (leverage) ratio | 9.9575% | 3,612 |
| Tier 1 risk-based capital ratio | 28.4477% | 568 |
| Total risk-based capital ratio | 29.6086% | 563 |
| Memoranda: | ||
| Average total assets | $151,386,000 | 3,542 |
| Average earning assets | $147,739,000 | 3,439 |
| Average equity | $15,965,000 | 3,738 |
| Average total loans | $46,625,330 | 4,754 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 5,389 |
| Cost of funding earning assets | 0.1188% | 5,820 |
| Net interest margin | 3.1440% | 4,742 |
| Noninterest income to average assets | 0.2006% | 5,305 |
| Noninterest expense to average assets | 2.8059% | 3,043 |
| Loan and lease loss provision to assets | 0.1769% | 1,152 |
| Net operating income to assets | 0.1716% | 5,584 |
| Return on assets (ROA) | 0.1716% | 5,638 |
| Pretax return on assets | 0.2904% | 5,525 |
| Return on Equity (ROE) | 1.6638% | 5,588 |
| Retained earnings to average equity (ytd only) | 1.6638% | 4,611 |
| Net charge-offs to loans | 0.2246% | 910 |
| Credit loss provision to net charge-offs | 257.6923% | 931 |
| Earnings coverage of net charge-offs (x) | 6.8077% | 2,207 |
| Efficiency ratio | 85.7258% | 999 |
| Assets per employee ($millions) | 3.9840% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 3,159 |
| Loan loss allowance to noncurrent loans | 95.7724% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 3,965 |
| Noncurrent loans to loans | 1.3087% | 1,836 |
| Net loans and leases to total assets | 30.6507% | 5,812 |
| Net loans and leases to deposits | 34.4124% | 5,863 |
| Net loans and leases to core deposits | 34.5391% | 5,884 |
| Total domestic deposits to total assets | 89.0688% | 1,065 |
| Equity capital to assets | 10.4582% | 3,551 |
| Core capital (leverage) ratio | 9.8398% | 3,730 |
| Tier 1 risk-based capital ratio | 27.8295% | 620 |
| Total risk-based capital ratio | 28.9853% | 616 |
| Memoranda: | ||
| Average total assets | $151,535,500 | 3,563 |
| Average earning assets | $148,089,500 | 3,448 |
| Average equity | $15,626,500 | 3,789 |
| Average total loans | $46,310,500 | 4,796 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 5,342 |
| Cost of funding earning assets | 0.1199% | 5,879 |
| Net interest margin | 3.1841% | 4,675 |
| Noninterest income to average assets | 0.2104% | 5,335 |
| Noninterest expense to average assets | 2.9365% | 2,739 |
| Loan and lease loss provision to assets | 0.0371% | 3,607 |
| Net operating income to assets | 0.2077% | 5,554 |
| Return on assets (ROA) | 0.2077% | 5,619 |
| Pretax return on assets | 0.3521% | 5,421 |
| Return on Equity (ROE) | 2.0035% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.0035% | 4,589 |
| Net charge-offs to loans | 0.2087% | 1,410 |
| Credit loss provision to net charge-offs | 61.1111% | 3,252 |
| Earnings coverage of net charge-offs (x) | 6.4111% | 3,232 |
| Efficiency ratio | 88.2985% | 815 |
| Assets per employee ($millions) | 3.7920% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,474 |
| Loan loss allowance to noncurrent loans | 95.6370% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 4,081 |
| Noncurrent loans to loans | 1.2558% | 1,874 |
| Net loans and leases to total assets | 29.7215% | 5,899 |
| Net loans and leases to deposits | 33.1856% | 5,950 |
| Net loans and leases to core deposits | 33.3102% | 5,973 |
| Total domestic deposits to total assets | 89.5614% | 820 |
| Equity capital to assets | 10.1663% | 3,786 |
| Core capital (leverage) ratio | 9.8498% | 3,713 |
| Tier 1 risk-based capital ratio | 28.1315% | 593 |
| Total risk-based capital ratio | 29.2247% | 593 |
| Memoranda: | ||
| Average total assets | $148,273,000 | 3,594 |
| Average earning assets | $145,062,400 | 3,470 |
| Average equity | $15,373,400 | 3,774 |
| Average total loans | $43,119,600 | 4,892 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2831% | 5,438 |
| Cost of funding earning assets | 0.1202% | 5,979 |
| Net interest margin | 3.1630% | 4,792 |
| Noninterest income to average assets | 0.2089% | 5,397 |
| Noninterest expense to average assets | 2.9601% | 2,636 |
| Loan and lease loss provision to assets | 0.0452% | 3,306 |
| Net operating income to assets | 0.1755% | 5,721 |
| Return on assets (ROA) | 0.1755% | 5,775 |
| Pretax return on assets | 0.2985% | 5,640 |
| Return on Equity (ROE) | 1.6838% | 5,736 |
| Retained earnings to average equity (ytd only) | 1.6838% | 5,029 |
| Net charge-offs to loans | 0.2322% | 1,134 |
| Credit loss provision to net charge-offs | 67.5676% | 2,808 |
| Earnings coverage of net charge-offs (x) | 5.1353% | 3,251 |
| Efficiency ratio | 89.5976% | 727 |
| Assets per employee ($millions) | 3.7743% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 3,486 |
| Loan loss allowance to noncurrent loans | 136.0097% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 4,654 |
| Noncurrent loans to loans | 0.9043% | 2,714 |
| Net loans and leases to total assets | 30.4981% | 5,957 |
| Net loans and leases to deposits | 34.2097% | 6,015 |
| Net loans and leases to core deposits | 34.4084% | 6,039 |
| Total domestic deposits to total assets | 89.1505% | 946 |
| Equity capital to assets | 10.5818% | 3,507 |
| Core capital (leverage) ratio | 9.8182% | 3,880 |
| Tier 1 risk-based capital ratio | 27.6243% | 644 |
| Total risk-based capital ratio | 28.7309% | 635 |
| Memoranda: | ||
| Average total assets | $147,421,750 | 3,642 |
| Average earning assets | $144,249,750 | 3,518 |
| Average equity | $15,361,750 | 3,811 |
| Average total loans | $42,492,250 | 4,971 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2782% | 5,480 |
| Cost of funding earning assets | 0.1192% | 6,048 |
| Net interest margin | 3.1590% | 4,791 |
| Noninterest income to average assets | 0.2102% | 5,428 |
| Noninterest expense to average assets | 2.9573% | 2,683 |
| Loan and lease loss provision to assets | 0.0285% | 3,556 |
| Net operating income to assets | 0.1831% | 5,737 |
| Return on assets (ROA) | 0.1831% | 5,796 |
| Pretax return on assets | 0.3146% | 5,638 |
| Return on Equity (ROE) | 1.7658% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.7658% | 4,815 |
| Net charge-offs to loans | 0.1253% | 1,753 |
| Credit loss provision to net charge-offs | 80.7692% | 2,322 |
| Earnings coverage of net charge-offs (x) | 9.7308% | 2,423 |
| Efficiency ratio | 89.6056% | 785 |
| Assets per employee ($millions) | 3.8411% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 2,835 |
| Loan loss allowance to noncurrent loans | 124.0343% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,600 |
| Noncurrent loans to loans | 1.1157% | 2,418 |
| Net loans and leases to total assets | 28.2187% | 6,092 |
| Net loans and leases to deposits | 31.5585% | 6,126 |
| Net loans and leases to core deposits | 31.7461% | 6,138 |
| Total domestic deposits to total assets | 89.4170% | 943 |
| Equity capital to assets | 10.3131% | 3,670 |
| Core capital (leverage) ratio | 9.8480% | 3,811 |
| Tier 1 risk-based capital ratio | 29.0558% | 584 |
| Total risk-based capital ratio | 30.2648% | 582 |
| Memoranda: | ||
| Average total assets | $147,497,000 | 3,664 |
| Average earning assets | $144,285,000 | 3,537 |
| Average equity | $15,290,330 | 3,845 |
| Average total loans | $41,506,000 | 5,048 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2694% | 5,517 |
| Cost of funding earning assets | 0.1185% | 6,124 |
| Net interest margin | 3.1509% | 4,785 |
| Noninterest income to average assets | 0.2077% | 5,469 |
| Noninterest expense to average assets | 2.8732% | 2,996 |
| Loan and lease loss provision to assets | 0.0567% | 2,800 |
| Net operating income to assets | 0.2131% | 5,653 |
| Return on assets (ROA) | 0.2131% | 5,743 |
| Pretax return on assets | 0.3615% | 5,512 |
| Return on Equity (ROE) | 2.0507% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.0507% | 4,649 |
| Net charge-offs to loans | 0.3287% | 736 |
| Credit loss provision to net charge-offs | 61.7647% | 1,981 |
| Earnings coverage of net charge-offs (x) | 4.5588% | 2,475 |
| Efficiency ratio | 87.2951% | 1,075 |
| Assets per employee ($millions) | 3.7978% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 2,985 |
| Loan loss allowance to noncurrent loans | 66.8230% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 3,755 |
| Noncurrent loans to loans | 2.0736% | 1,247 |
| Net loans and leases to total assets | 27.3880% | 6,160 |
| Net loans and leases to deposits | 30.8161% | 6,181 |
| Net loans and leases to core deposits | 31.0043% | 6,202 |
| Total domestic deposits to total assets | 88.8756% | 1,347 |
| Equity capital to assets | 10.7294% | 3,290 |
| Core capital (leverage) ratio | 9.7532% | 3,954 |
| Tier 1 risk-based capital ratio | 30.3944% | 522 |
| Total risk-based capital ratio | 31.6457% | 517 |
| Memoranda: | ||
| Average total assets | $148,265,500 | 3,681 |
| Average earning assets | $145,103,500 | 3,549 |
| Average equity | $15,409,000 | 3,853 |
| Average total loans | $41,376,000 | 5,089 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2921% | 5,713 |
| Cost of funding earning assets | 0.1381% | 6,163 |
| Net interest margin | 3.1540% | 5,064 |
| Noninterest income to average assets | 0.2161% | 5,561 |
| Noninterest expense to average assets | 2.8381% | 3,349 |
| Loan and lease loss provision to assets | 0.0997% | 2,495 |
| Net operating income to assets | 0.2055% | 5,751 |
| Return on assets (ROA) | 0.2055% | 5,817 |
| Pretax return on assets | 0.3471% | 5,608 |
| Return on Equity (ROE) | 2.2332% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.2332% | 4,657 |
| Net charge-offs to loans | 0.6492% | 596 |
| Credit loss provision to net charge-offs | 55.5556% | 3,365 |
| Earnings coverage of net charge-offs (x) | 2.4889% | 4,138 |
| Efficiency ratio | 86.3968% | 1,131 |
| Assets per employee ($millions) | 3.9057% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 2,947 |
| Loan loss allowance to noncurrent loans | 62.2199% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 3,682 |
| Noncurrent loans to loans | 2.2515% | 1,168 |
| Net loans and leases to total assets | 27.6475% | 6,244 |
| Net loans and leases to deposits | 30.8630% | 6,280 |
| Net loans and leases to core deposits | 31.0524% | 6,292 |
| Total domestic deposits to total assets | 89.5812% | 932 |
| Equity capital to assets | 10.0569% | 4,035 |
| Core capital (leverage) ratio | 9.6831% | 3,996 |
| Tier 1 risk-based capital ratio | 30.1649% | 503 |
| Total risk-based capital ratio | 31.4158% | 501 |
| Memoranda: | ||
| Average total assets | $150,382,600 | 3,628 |
| Average earning assets | $146,321,600 | 3,504 |
| Average equity | $13,836,400 | 4,053 |
| Average total loans | $41,589,000 | 5,122 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 5,776 |
| Cost of funding earning assets | 0.1428% | 6,229 |
| Net interest margin | 3.1551% | 5,102 |
| Noninterest income to average assets | 0.2139% | 5,655 |
| Noninterest expense to average assets | 2.8447% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2625% | 5,704 |
| Return on assets (ROA) | 0.2625% | 5,769 |
| Pretax return on assets | 0.4357% | 5,508 |
| Return on Equity (ROE) | 2.9194% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.9194% | 4,519 |
| Net charge-offs to loans | 0.1154% | 2,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.6942% | 2,203 |
| Efficiency ratio | 86.7188% | 1,115 |
| Assets per employee ($millions) | 4.1538% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 2,182 |
| Loan loss allowance to noncurrent loans | 56.6695% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 3,461 |
| Noncurrent loans to loans | 2.8853% | 941 |
| Net loans and leases to total assets | 26.8335% | 6,340 |
| Net loans and leases to deposits | 29.8075% | 6,370 |
| Net loans and leases to core deposits | 29.9875% | 6,387 |
| Total domestic deposits to total assets | 90.0225% | 722 |
| Equity capital to assets | 9.6351% | 4,629 |
| Core capital (leverage) ratio | 9.4452% | 4,442 |
| Tier 1 risk-based capital ratio | 30.4480% | 501 |
| Total risk-based capital ratio | 31.6999% | 497 |
| Memoranda: | ||
| Average total assets | $150,874,500 | 3,645 |
| Average earning assets | $146,639,250 | 3,525 |
| Average equity | $13,564,000 | 4,117 |
| Average total loans | $41,582,250 | 5,169 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 5,796 |
| Cost of funding earning assets | 0.1443% | 6,300 |
| Net interest margin | 3.1532% | 5,081 |
| Noninterest income to average assets | 0.2115% | 5,689 |
| Noninterest expense to average assets | 2.8588% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2524% | 5,705 |
| Return on assets (ROA) | 0.2524% | 5,784 |
| Pretax return on assets | 0.4137% | 5,517 |
| Return on Equity (ROE) | 2.8759% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.8759% | 4,375 |
| Net charge-offs to loans | 0.0813% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.4118% | 1,688 |
| Efficiency ratio | 87.3586% | 1,147 |
| Assets per employee ($millions) | 4.1764% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 2,255 |
| Loan loss allowance to noncurrent loans | 56.0000% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 3,523 |
| Noncurrent loans to loans | 2.9680% | 987 |
| Net loans and leases to total assets | 26.9952% | 6,396 |
| Net loans and leases to deposits | 29.9898% | 6,427 |
| Net loans and leases to core deposits | 30.1169% | 6,450 |
| Total domestic deposits to total assets | 90.0146% | 799 |
| Equity capital to assets | 9.4886% | 4,763 |
| Core capital (leverage) ratio | 9.3020% | 4,587 |
| Tier 1 risk-based capital ratio | 30.0365% | 520 |
| Total risk-based capital ratio | 31.2885% | 515 |
| Memoranda: | ||
| Average total assets | $151,320,330 | 3,659 |
| Average earning assets | $146,900,000 | 3,539 |
| Average equity | $13,282,670 | 4,170 |
| Average total loans | $41,845,330 | 5,200 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 5,872 |
| Cost of funding earning assets | 0.1468% | 6,368 |
| Net interest margin | 3.1378% | 5,126 |
| Noninterest income to average assets | 0.2055% | 5,712 |
| Noninterest expense to average assets | 2.8536% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2292% | 5,716 |
| Return on assets (ROA) | 0.2292% | 5,769 |
| Pretax return on assets | 0.3926% | 5,482 |
| Return on Equity (ROE) | 2.7207% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.7207% | 4,454 |
| Net charge-offs to loans | 0.0095% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 328 |
| Efficiency ratio | 87.9058% | 1,237 |
| Assets per employee ($millions) | 4.1110% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 2,401 |
| Loan loss allowance to noncurrent loans | 53.6287% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 3,578 |
| Noncurrent loans to loans | 3.1432% | 990 |
| Net loans and leases to total assets | 26.9179% | 6,444 |
| Net loans and leases to deposits | 29.6668% | 6,485 |
| Net loans and leases to core deposits | 29.7926% | 6,498 |
| Total domestic deposits to total assets | 90.7342% | 675 |
| Equity capital to assets | 8.8300% | 5,296 |
| Core capital (leverage) ratio | 9.1676% | 4,767 |
| Tier 1 risk-based capital ratio | 29.1208% | 567 |
| Total risk-based capital ratio | 30.3729% | 557 |
| Memoranda: | ||
| Average total assets | $151,806,000 | 3,680 |
| Average earning assets | $147,110,500 | 3,563 |
| Average equity | $12,791,000 | 4,275 |
| Average total loans | $42,131,500 | 5,232 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1231% | 6,215 |
| Cost of funding earning assets | 0.1758% | 6,412 |
| Net interest margin | 2.9473% | 5,688 |
| Noninterest income to average assets | 0.2107% | 5,823 |
| Noninterest expense to average assets | 2.7387% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1972% | 5,827 |
| Return on assets (ROA) | 0.3008% | 5,619 |
| Pretax return on assets | 0.4949% | 5,219 |
| Return on Equity (ROE) | 3.4663% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.4663% | 3,763 |
| Net charge-offs to loans | 0.0645% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 18.1034% | 1,674 |
| Efficiency ratio | 89.1551% | 1,097 |
| Assets per employee ($millions) | 3.9870% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 2,569 |
| Loan loss allowance to noncurrent loans | 39.8300% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1650% | 3,066 |
| Noncurrent loans to loans | 4.1415% | 682 |
| Net loans and leases to total assets | 27.6651% | 6,529 |
| Net loans and leases to deposits | 30.3064% | 6,578 |
| Net loans and leases to core deposits | 30.4907% | 6,592 |
| Total domestic deposits to total assets | 91.2848% | 472 |
| Equity capital to assets | 8.0202% | 6,003 |
| Core capital (leverage) ratio | 9.0357% | 4,945 |
| Tier 1 risk-based capital ratio | 27.9773% | 613 |
| Total risk-based capital ratio | 29.2306% | 596 |
| Memoranda: | ||
| Average total assets | $157,594,200 | 3,592 |
| Average earning assets | $152,990,000 | 3,453 |
| Average equity | $13,674,400 | 4,132 |
| Average total loans | $44,972,000 | 5,146 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0738% | 6,345 |
| Cost of funding earning assets | 0.1811% | 6,495 |
| Net interest margin | 2.8927% | 5,835 |
| Noninterest income to average assets | 0.2095% | 5,921 |
| Noninterest expense to average assets | 2.7116% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1834% | 5,953 |
| Return on assets (ROA) | 0.3159% | 5,677 |
| Pretax return on assets | 0.5162% | 5,308 |
| Return on Equity (ROE) | 3.5762% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.5762% | 4,151 |
| Net charge-offs to loans | 0.0644% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.7743% | 1,778 |
| Efficiency ratio | 89.7642% | 1,016 |
| Assets per employee ($millions) | 4.1948% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 2,946 |
| Loan loss allowance to noncurrent loans | 47.1448% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 3,719 |
| Noncurrent loans to loans | 3.4230% | 1,130 |
| Net loans and leases to total assets | 27.8892% | 6,600 |
| Net loans and leases to deposits | 30.6116% | 6,656 |
| Net loans and leases to core deposits | 30.7932% | 6,670 |
| Total domestic deposits to total assets | 91.1067% | 485 |
| Equity capital to assets | 8.2432% | 5,961 |
| Core capital (leverage) ratio | 8.7471% | 5,481 |
| Tier 1 risk-based capital ratio | 26.9366% | 710 |
| Total risk-based capital ratio | 28.1895% | 694 |
| Memoranda: | ||
| Average total assets | $159,116,500 | 3,603 |
| Average earning assets | $154,635,750 | 3,460 |
| Average equity | $14,055,250 | 4,100 |
| Average total loans | $45,560,750 | 5,183 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0493% | 6,396 |
| Cost of funding earning assets | 0.1885% | 6,531 |
| Net interest margin | 2.8608% | 5,874 |
| Noninterest income to average assets | 0.2082% | 5,957 |
| Noninterest expense to average assets | 2.6817% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1832% | 5,950 |
| Return on assets (ROA) | 0.3803% | 5,458 |
| Pretax return on assets | 0.6159% | 4,966 |
| Return on Equity (ROE) | 4.2140% | 5,127 |
| Retained earnings to average equity (ytd only) | 4.2140% | 3,612 |
| Net charge-offs to loans | 0.0955% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.2273% | 2,070 |
| Efficiency ratio | 89.6997% | 1,071 |
| Assets per employee ($millions) | 4.3611% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 3,078 |
| Loan loss allowance to noncurrent loans | 47.5234% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 3,765 |
| Noncurrent loans to loans | 3.4153% | 1,247 |
| Net loans and leases to total assets | 27.4102% | 6,645 |
| Net loans and leases to deposits | 30.1167% | 6,699 |
| Net loans and leases to core deposits | 30.2962% | 6,716 |
| Total domestic deposits to total assets | 91.0134% | 533 |
| Equity capital to assets | 8.2529% | 6,014 |
| Core capital (leverage) ratio | 8.6295% | 5,522 |
| Tier 1 risk-based capital ratio | 26.9225% | 699 |
| Total risk-based capital ratio | 28.1741% | 689 |
| Memoranda: | ||
| Average total assets | $160,419,670 | 3,602 |
| Average earning assets | $155,969,670 | 3,459 |
| Average equity | $14,475,670 | 4,054 |
| Average total loans | $46,082,330 | 5,186 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0547% | 6,450 |
| Cost of funding earning assets | 0.2003% | 6,569 |
| Net interest margin | 2.8545% | 5,903 |
| Noninterest income to average assets | 0.2023% | 6,033 |
| Noninterest expense to average assets | 2.7460% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1389% | 6,072 |
| Return on assets (ROA) | 0.5304% | 4,681 |
| Pretax return on assets | 0.8462% | 3,968 |
| Return on Equity (ROE) | 5.6449% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.6449% | 2,868 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1358% | 966 |
| Assets per employee ($millions) | 4.4574% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,437 |
| Loan loss allowance to noncurrent loans | 67.3413% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 4,555 |
| Noncurrent loans to loans | 2.3625% | 2,207 |
| Net loans and leases to total assets | 28.2168% | 6,659 |
| Net loans and leases to deposits | 31.4193% | 6,706 |
| Net loans and leases to core deposits | 31.6077% | 6,733 |
| Total domestic deposits to total assets | 89.8073% | 1,159 |
| Equity capital to assets | 9.4810% | 4,874 |
| Core capital (leverage) ratio | 8.3823% | 5,733 |
| Tier 1 risk-based capital ratio | 24.9677% | 895 |
| Total risk-based capital ratio | 26.2188% | 882 |
| Memoranda: | ||
| Average total assets | $162,129,500 | 3,613 |
| Average earning assets | $157,788,500 | 3,474 |
| Average equity | $15,235,000 | 3,949 |
| Average total loans | $47,251,500 | 5,159 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1316% | 6,704 |
| Cost of funding earning assets | 0.3033% | 6,436 |
| Net interest margin | 2.8283% | 6,353 |
| Noninterest income to average assets | 0.2004% | 5,982 |
| Noninterest expense to average assets | 2.8202% | 3,944 |
| Loan and lease loss provision to assets | 0.2158% | 2,973 |
| Net operating income to assets | -0.0896% | 6,276 |
| Return on assets (ROA) | 0.4450% | 5,155 |
| Pretax return on assets | 0.7284% | 4,563 |
| Return on Equity (ROE) | 4.9169% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.9169% | 2,755 |
| Net charge-offs to loans | 0.6043% | 1,922 |
| Credit loss provision to net charge-offs | 117.0000% | 2,468 |
| Earnings coverage of net charge-offs (x) | 0.5900% | 5,189 |
| Efficiency ratio | 96.2854% | 699 |
| Assets per employee ($millions) | 4.4268% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,709 |
| Loan loss allowance to noncurrent loans | 85.0174% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 5,050 |
| Noncurrent loans to loans | 1.7756% | 2,959 |
| Net loans and leases to total assets | 29.1591% | 6,726 |
| Net loans and leases to deposits | 32.4459% | 6,778 |
| Net loans and leases to core deposits | 32.6432% | 6,798 |
| Total domestic deposits to total assets | 89.8700% | 1,029 |
| Equity capital to assets | 9.3143% | 5,133 |
| Core capital (leverage) ratio | 8.2618% | 5,929 |
| Tier 1 risk-based capital ratio | 22.7534% | 1,149 |
| Total risk-based capital ratio | 24.0030% | 1,131 |
| Memoranda: | ||
| Average total assets | $162,685,000 | 3,574 |
| Average earning assets | $156,950,600 | 3,418 |
| Average equity | $14,724,800 | 4,021 |
| Average total loans | $49,646,800 | 5,123 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 6,833 |
| Cost of funding earning assets | 0.3321% | 6,454 |
| Net interest margin | 2.8081% | 6,488 |
| Noninterest income to average assets | 0.1954% | 6,129 |
| Noninterest expense to average assets | 2.8684% | 3,721 |
| Loan and lease loss provision to assets | 0.2414% | 2,638 |
| Net operating income to assets | -0.1427% | 6,448 |
| Return on assets (ROA) | 0.4195% | 5,399 |
| Pretax return on assets | 0.6715% | 4,951 |
| Return on Equity (ROE) | 4.6691% | 4,972 |
| Retained earnings to average equity (ytd only) | 4.6691% | 3,608 |
| Net charge-offs to loans | 0.5767% | 1,895 |
| Credit loss provision to net charge-offs | 136.1111% | 2,120 |
| Earnings coverage of net charge-offs (x) | 0.1945% | 5,226 |
| Efficiency ratio | 98.8122% | 571 |
| Assets per employee ($millions) | 3.7644% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,762 |
| Loan loss allowance to noncurrent loans | 74.0488% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 4,950 |
| Noncurrent loans to loans | 2.0830% | 2,761 |
| Net loans and leases to total assets | 29.9312% | 6,821 |
| Net loans and leases to deposits | 33.4198% | 6,880 |
| Net loans and leases to core deposits | 33.4826% | 6,908 |
| Total domestic deposits to total assets | 89.5614% | 1,088 |
| Equity capital to assets | 9.4699% | 5,246 |
| Core capital (leverage) ratio | 8.0615% | 6,276 |
| Tier 1 risk-based capital ratio | 21.9366% | 1,339 |
| Total risk-based capital ratio | 23.1869% | 1,316 |
| Memoranda: | ||
| Average total assets | $162,408,500 | 3,610 |
| Average earning assets | $156,588,750 | 3,475 |
| Average equity | $14,592,000 | 4,079 |
| Average total loans | $49,935,500 | 5,168 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1987% | 6,873 |
| Cost of funding earning assets | 0.3619% | 6,460 |
| Net interest margin | 2.8367% | 6,522 |
| Noninterest income to average assets | 0.1894% | 6,204 |
| Noninterest expense to average assets | 2.7714% | 4,127 |
| Loan and lease loss provision to assets | 0.3604% | 1,834 |
| Net operating income to assets | -0.1947% | 6,541 |
| Return on assets (ROA) | -0.0443% | 6,492 |
| Pretax return on assets | 0.0209% | 6,422 |
| Return on Equity (ROE) | -0.5019% | 6,502 |
| Retained earnings to average equity (ytd only) | -0.5019% | 6,125 |
| Net charge-offs to loans | 0.8570% | 1,292 |
| Credit loss provision to net charge-offs | 136.2791% | 2,019 |
| Earnings coverage of net charge-offs (x) | 0.5535% | 4,793 |
| Efficiency ratio | 94.9831% | 754 |
| Assets per employee ($millions) | 3.6434% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,970 |
| Loan loss allowance to noncurrent loans | 81.7008% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 5,211 |
| Noncurrent loans to loans | 1.8477% | 3,151 |
| Net loans and leases to total assets | 30.2046% | 6,870 |
| Net loans and leases to deposits | 33.5720% | 6,931 |
| Net loans and leases to core deposits | 33.6340% | 6,963 |
| Total domestic deposits to total assets | 89.9696% | 944 |
| Equity capital to assets | 9.1441% | 5,535 |
| Core capital (leverage) ratio | 7.4808% | 6,634 |
| Tier 1 risk-based capital ratio | 19.9225% | 1,718 |
| Total risk-based capital ratio | 21.1721% | 1,687 |
| Memoranda: | ||
| Average total assets | $162,587,670 | 3,621 |
| Average earning assets | $156,376,670 | 3,491 |
| Average equity | $14,346,330 | 4,126 |
| Average total loans | $50,177,670 | 5,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3428% | 6,863 |
| Cost of funding earning assets | 0.4053% | 6,381 |
| Net interest margin | 2.9375% | 6,417 |
| Noninterest income to average assets | 0.1952% | 6,218 |
| Noninterest expense to average assets | 2.9326% | 3,498 |
| Loan and lease loss provision to assets | 0.7239% | 711 |
| Net operating income to assets | -0.6794% | 6,903 |
| Return on assets (ROA) | -0.6473% | 6,917 |
| Pretax return on assets | -0.6004% | 6,862 |
| Return on Equity (ROE) | -7.4732% | 6,934 |
| Retained earnings to average equity (ytd only) | -7.4732% | 6,734 |
| Net charge-offs to loans | 1.6359% | 597 |
| Credit loss provision to net charge-offs | 142.9268% | 1,722 |
| Earnings coverage of net charge-offs (x) | 0.1805% | 4,280 |
| Efficiency ratio | 96.9771% | 678 |
| Assets per employee ($millions) | 3.5561% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 4,035 |
| Loan loss allowance to noncurrent loans | 82.9558% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 5,467 |
| Noncurrent loans to loans | 1.8401% | 3,358 |
| Net loans and leases to total assets | 30.3271% | 6,896 |
| Net loans and leases to deposits | 33.5611% | 6,962 |
| Net loans and leases to core deposits | 33.6230% | 7,002 |
| Total domestic deposits to total assets | 90.3637% | 887 |
| Equity capital to assets | 8.7126% | 5,859 |
| Core capital (leverage) ratio | 7.3865% | 6,693 |
| Tier 1 risk-based capital ratio | 18.9374% | 2,009 |
| Total risk-based capital ratio | 20.1781% | 1,974 |
| Memoranda: | ||
| Average total assets | $161,905,500 | 3,648 |
| Average earning assets | $155,915,500 | 3,514 |
| Average equity | $14,023,500 | 4,196 |
| Average total loans | $50,126,500 | 5,225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 6,723 |
| Cost of funding earning assets | 0.7366% | 5,303 |
| Net interest margin | 3.0680% | 6,410 |
| Noninterest income to average assets | 0.1809% | 6,198 |
| Noninterest expense to average assets | 2.8710% | 4,076 |
| Loan and lease loss provision to assets | 0.1027% | 5,302 |
| Net operating income to assets | 0.1308% | 5,787 |
| Return on assets (ROA) | 0.2187% | 5,669 |
| Pretax return on assets | 0.2420% | 5,685 |
| Return on Equity (ROE) | 2.7436% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.7436% | 4,284 |
| Net charge-offs to loans | 0.0140% | 6,239 |
| Credit loss provision to net charge-offs | 2,328.5714% | 99 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 509 |
| Efficiency ratio | 92.0776% | 1,041 |
| Assets per employee ($millions) | 3.3381% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 4,618 |
| Loan loss allowance to noncurrent loans | 66.3743% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 5,374 |
| Noncurrent loans to loans | 2.0571% | 3,132 |
| Net loans and leases to total assets | 30.7019% | 6,985 |
| Net loans and leases to deposits | 33.9695% | 7,048 |
| Net loans and leases to core deposits | 34.0382% | 7,077 |
| Total domestic deposits to total assets | 90.3808% | 773 |
| Equity capital to assets | 8.6094% | 6,004 |
| Core capital (leverage) ratio | 7.6091% | 6,597 |
| Tier 1 risk-based capital ratio | 19.5111% | 1,755 |
| Total risk-based capital ratio | 20.6142% | 1,769 |
| Memoranda: | ||
| Average total assets | $158,693,000 | 3,646 |
| Average earning assets | $151,923,200 | 3,552 |
| Average equity | $12,647,400 | 4,407 |
| Average total loans | $50,071,800 | 5,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 6,705 |
| Cost of funding earning assets | 0.8001% | 5,146 |
| Net interest margin | 3.1238% | 6,352 |
| Noninterest income to average assets | 0.1760% | 6,327 |
| Noninterest expense to average assets | 2.9890% | 3,591 |
| Loan and lease loss provision to assets | 0.1373% | 4,722 |
| Net operating income to assets | 0.0155% | 6,132 |
| Return on assets (ROA) | 0.0775% | 6,132 |
| Pretax return on assets | 0.1356% | 6,035 |
| Return on Equity (ROE) | 0.9924% | 6,067 |
| Retained earnings to average equity (ytd only) | 0.9924% | 5,611 |
| Net charge-offs to loans | 0.0133% | 5,963 |
| Credit loss provision to net charge-offs | 3,260.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 41.7781% | 748 |
| Efficiency ratio | 94.4385% | 893 |
| Assets per employee ($millions) | 3.0620% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,814 |
| Loan loss allowance to noncurrent loans | 66.5692% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 5,555 |
| Noncurrent loans to loans | 2.0143% | 3,344 |
| Net loans and leases to total assets | 30.9653% | 7,056 |
| Net loans and leases to deposits | 34.1497% | 7,126 |
| Net loans and leases to core deposits | 34.2174% | 7,161 |
| Total domestic deposits to total assets | 90.6752% | 564 |
| Equity capital to assets | 8.4911% | 6,305 |
| Core capital (leverage) ratio | 7.4142% | 6,807 |
| Tier 1 risk-based capital ratio | 18.8100% | 1,985 |
| Total risk-based capital ratio | 19.8978% | 2,005 |
| Memoranda: | ||
| Average total assets | $158,308,500 | 3,681 |
| Average earning assets | $151,477,250 | 3,578 |
| Average equity | $12,360,500 | 4,478 |
| Average total loans | $50,121,000 | 5,301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 6,656 |
| Cost of funding earning assets | 0.8458% | 5,096 |
| Net interest margin | 3.1538% | 6,277 |
| Noninterest income to average assets | 0.1835% | 6,348 |
| Noninterest expense to average assets | 2.9736% | 3,740 |
| Loan and lease loss provision to assets | 0.1172% | 4,808 |
| Net operating income to assets | 0.0558% | 6,105 |
| Return on assets (ROA) | 0.0688% | 6,162 |
| Pretax return on assets | 0.1249% | 6,059 |
| Return on Equity (ROE) | 0.9085% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.9085% | 5,504 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0622% | 1,038 |
| Assets per employee ($millions) | 3.1242% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 5,318 |
| Loan loss allowance to noncurrent loans | 59.6712% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 5,608 |
| Noncurrent loans to loans | 2.0916% | 3,360 |
| Net loans and leases to total assets | 30.6392% | 7,157 |
| Net loans and leases to deposits | 33.7015% | 7,228 |
| Net loans and leases to core deposits | 33.7691% | 7,259 |
| Total domestic deposits to total assets | 90.9135% | 528 |
| Equity capital to assets | 8.0980% | 6,602 |
| Core capital (leverage) ratio | 7.5009% | 6,742 |
| Tier 1 risk-based capital ratio | 19.1453% | 1,803 |
| Total risk-based capital ratio | 20.1471% | 1,839 |
| Memoranda: | ||
| Average total assets | $156,982,000 | 3,733 |
| Average earning assets | $149,916,330 | 3,625 |
| Average equity | $11,887,330 | 4,583 |
| Average total loans | $49,849,330 | 5,359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 6,652 |
| Cost of funding earning assets | 0.8567% | 5,233 |
| Net interest margin | 3.1655% | 6,179 |
| Noninterest income to average assets | 0.1874% | 6,381 |
| Noninterest expense to average assets | 3.1449% | 3,091 |
| Loan and lease loss provision to assets | 0.0693% | 5,124 |
| Net operating income to assets | -0.0566% | 6,418 |
| Return on assets (ROA) | -0.0385% | 6,417 |
| Pretax return on assets | 0.0180% | 6,330 |
| Return on Equity (ROE) | -0.5273% | 6,431 |
| Retained earnings to average equity (ytd only) | -0.5273% | 5,888 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1571% | 825 |
| Assets per employee ($millions) | 3.1378% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,983 |
| Loan loss allowance to noncurrent loans | 52.8230% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 5,627 |
| Noncurrent loans to loans | 2.1142% | 3,427 |
| Net loans and leases to total assets | 31.1526% | 7,201 |
| Net loans and leases to deposits | 33.9938% | 7,272 |
| Net loans and leases to core deposits | 34.0625% | 7,306 |
| Total domestic deposits to total assets | 91.6420% | 382 |
| Equity capital to assets | 7.3783% | 6,939 |
| Core capital (leverage) ratio | 7.5913% | 6,665 |
| Tier 1 risk-based capital ratio | 18.5769% | 1,933 |
| Total risk-based capital ratio | 19.4538% | 2,015 |
| Memoranda: | ||
| Average total assets | $155,805,500 | 3,776 |
| Average earning assets | $148,476,000 | 3,669 |
| Average equity | $11,379,500 | 4,699 |
| Average total loans | $50,056,000 | 5,387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 6,761 |
| Cost of funding earning assets | 1.0295% | 5,535 |
| Net interest margin | 3.2878% | 6,018 |
| Noninterest income to average assets | 0.1823% | 6,450 |
| Noninterest expense to average assets | 3.0993% | 3,457 |
| Loan and lease loss provision to assets | 0.0605% | 6,541 |
| Net operating income to assets | 0.1190% | 5,539 |
| Return on assets (ROA) | 0.1790% | 5,511 |
| Pretax return on assets | 0.2369% | 5,390 |
| Return on Equity (ROE) | 2.2620% | 5,276 |
| Retained earnings to average equity (ytd only) | -1.7048% | 5,920 |
| Net charge-offs to loans | 0.1395% | 5,528 |
| Credit loss provision to net charge-offs | 122.6667% | 3,408 |
| Earnings coverage of net charge-offs (x) | 4.4267% | 2,929 |
| Efficiency ratio | 93.4153% | 1,095 |
| Assets per employee ($millions) | 2.7628% | 6,586 |
| Cash dividends to net income (ytd only)* | 175.3676% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 6,211 |
| Loan loss allowance to noncurrent loans | 50.0954% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 5,647 |
| Noncurrent loans to loans | 2.0677% | 3,464 |
| Net loans and leases to total assets | 32.4194% | 7,277 |
| Net loans and leases to deposits | 35.3272% | 7,364 |
| Net loans and leases to core deposits | 35.4043% | 7,394 |
| Total domestic deposits to total assets | 91.7689% | 333 |
| Equity capital to assets | 7.2279% | 7,026 |
| Core capital (leverage) ratio | 7.6257% | 6,599 |
| Tier 1 risk-based capital ratio | 18.4522% | 1,858 |
| Total risk-based capital ratio | 19.2805% | 1,951 |
| Memoranda: | ||
| Average total assets | $151,971,600 | 3,845 |
| Average earning assets | $144,931,000 | 3,727 |
| Average equity | $12,024,800 | 4,595 |
| Average total loans | $53,780,800 | 5,329 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 6,752 |
| Cost of funding earning assets | 1.0712% | 5,586 |
| Net interest margin | 3.3661% | 5,792 |
| Noninterest income to average assets | 0.1798% | 6,594 |
| Noninterest expense to average assets | 3.2371% | 2,789 |
| Loan and lease loss provision to assets | 0.0811% | 6,238 |
| Net operating income to assets | 0.0492% | 5,884 |
| Return on assets (ROA) | 0.1190% | 5,882 |
| Pretax return on assets | 0.1798% | 5,773 |
| Return on Equity (ROE) | 1.4712% | 5,775 |
| Retained earnings to average equity (ytd only) | -2.4301% | 6,272 |
| Net charge-offs to loans | 0.1833% | 4,856 |
| Credit loss provision to net charge-offs | 122.6667% | 3,350 |
| Earnings coverage of net charge-offs (x) | 2.3466% | 3,999 |
| Efficiency ratio | 95.4274% | 930 |
| Assets per employee ($millions) | 2.9031% | 6,364 |
| Cash dividends to net income (ytd only)* | 265.1778% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 6,442 |
| Loan loss allowance to noncurrent loans | 64.4172% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 6,098 |
| Noncurrent loans to loans | 1.5366% | 4,335 |
| Net loans and leases to total assets | 34.1306% | 7,341 |
| Net loans and leases to deposits | 37.8432% | 7,425 |
| Net loans and leases to core deposits | 37.9271% | 7,460 |
| Total domestic deposits to total assets | 90.1895% | 780 |
| Equity capital to assets | 8.4275% | 6,360 |
| Core capital (leverage) ratio | 8.3123% | 5,849 |
| Tier 1 risk-based capital ratio | 20.6158% | 1,421 |
| Total risk-based capital ratio | 21.4671% | 1,474 |
| Memoranda: | ||
| Average total assets | $151,284,750 | 3,909 |
| Average earning assets | $144,379,000 | 3,779 |
| Average equity | $12,235,250 | 4,618 |
| Average total loans | $54,555,000 | 5,366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 6,439 |
| Cost of funding earning assets | 1.0960% | 5,693 |
| Net interest margin | 3.5108% | 5,206 |
| Noninterest income to average assets | 0.1755% | 6,645 |
| Noninterest expense to average assets | 3.1724% | 3,004 |
| Loan and lease loss provision to assets | 0.1223% | 5,676 |
| Net operating income to assets | 0.1962% | 5,575 |
| Return on assets (ROA) | 0.3058% | 5,314 |
| Pretax return on assets | 0.3616% | 5,335 |
| Return on Equity (ROE) | 3.8361% | 4,856 |
| Retained earnings to average equity (ytd only) | -2.1349% | 6,166 |
| Net charge-offs to loans | 0.2724% | 3,979 |
| Credit loss provision to net charge-offs | 122.6667% | 3,295 |
| Earnings coverage of net charge-offs (x) | 3.5600% | 3,269 |
| Efficiency ratio | 89.9359% | 1,336 |
| Assets per employee ($millions) | 2.8840% | 6,388 |
| Cash dividends to net income (ytd only)* | 155.6522% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,523 |
| Loan loss allowance to noncurrent loans | 132.9114% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 6,753 |
| Noncurrent loans to loans | 0.7297% | 5,797 |
| Net loans and leases to total assets | 35.0692% | 7,387 |
| Net loans and leases to deposits | 38.6781% | 7,475 |
| Net loans and leases to core deposits | 38.7634% | 7,515 |
| Total domestic deposits to total assets | 90.6694% | 618 |
| Equity capital to assets | 8.2302% | 6,504 |
| Core capital (leverage) ratio | 8.4482% | 5,499 |
| Tier 1 risk-based capital ratio | 20.8442% | 1,367 |
| Total risk-based capital ratio | 21.6985% | 1,409 |
| Memoranda: | ||
| Average total assets | $150,424,670 | 3,946 |
| Average earning assets | $143,615,000 | 3,826 |
| Average equity | $11,991,330 | 4,681 |
| Average total loans | $55,060,000 | 5,380 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 6,260 |
| Cost of funding earning assets | 1.1232% | 5,783 |
| Net interest margin | 3.5714% | 4,851 |
| Noninterest income to average assets | 0.1769% | 6,695 |
| Noninterest expense to average assets | 3.2598% | 2,671 |
| Loan and lease loss provision to assets | 0.2466% | 4,074 |
| Net operating income to assets | 0.0596% | 6,130 |
| Return on assets (ROA) | 0.1180% | 6,089 |
| Pretax return on assets | 0.1742% | 5,959 |
| Return on Equity (ROE) | 1.5047% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.5047% | 5,193 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6786% | 1,380 |
| Assets per employee ($millions) | 2.8193% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 6,085 |
| Loan loss allowance to noncurrent loans | 156.6580% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 6,827 |
| Noncurrent loans to loans | 0.6920% | 5,949 |
| Net loans and leases to total assets | 36.6374% | 7,404 |
| Net loans and leases to deposits | 40.3283% | 7,514 |
| Net loans and leases to core deposits | 40.4185% | 7,563 |
| Total domestic deposits to total assets | 90.8480% | 604 |
| Equity capital to assets | 8.0109% | 6,641 |
| Core capital (leverage) ratio | 8.7580% | 4,925 |
| Tier 1 risk-based capital ratio | 21.1313% | 1,320 |
| Total risk-based capital ratio | 22.1079% | 1,334 |
| Memoranda: | ||
| Average total assets | $149,211,000 | 4,024 |
| Average earning assets | $142,801,000 | 3,896 |
| Average equity | $11,697,000 | 4,792 |
| Average total loans | $55,525,500 | 5,436 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 6,970 |
| Cost of funding earning assets | 1.2933% | 6,333 |
| Net interest margin | 3.4964% | 4,969 |
| Noninterest income to average assets | 0.2123% | 6,589 |
| Noninterest expense to average assets | 3.2624% | 3,148 |
| Loan and lease loss provision to assets | 0.0696% | 6,879 |
| Net operating income to assets | 0.2959% | 4,548 |
| Return on assets (ROA) | 0.3871% | 4,280 |
| Pretax return on assets | 0.3049% | 4,743 |
| Return on Equity (ROE) | 4.8253% | 3,750 |
| Retained earnings to average equity (ytd only) | -0.3645% | 5,051 |
| Net charge-offs to loans | 0.0018% | 7,229 |
| Credit loss provision to net charge-offs | 10,000.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 70 |
| Efficiency ratio | 92.0086% | 1,568 |
| Assets per employee ($millions) | 2.8113% | 6,640 |
| Cash dividends to net income (ytd only)* | 107.5540% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 6,762 |
| Loan loss allowance to noncurrent loans | 184.7273% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 7,007 |
| Noncurrent loans to loans | 0.4937% | 6,266 |
| Net loans and leases to total assets | 37.0461% | 7,483 |
| Net loans and leases to deposits | 40.6218% | 7,608 |
| Net loans and leases to core deposits | 43.2811% | 7,709 |
| Total domestic deposits to total assets | 91.1974% | 465 |
| Equity capital to assets | 7.6671% | 6,886 |
| Core capital (leverage) ratio | 8.6916% | 4,934 |
| Tier 1 risk-based capital ratio | 20.7903% | 1,327 |
| Total risk-based capital ratio | 21.6066% | 1,362 |
| Memoranda: | ||
| Average total assets | $143,636,400 | 4,048 |
| Average earning assets | $136,939,200 | 3,959 |
| Average equity | $11,522,600 | 4,871 |
| Average total loans | $55,026,000 | 5,458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 7,106 |
| Cost of funding earning assets | 1.3313% | 6,465 |
| Net interest margin | 3.4761% | 4,967 |
| Noninterest income to average assets | 0.2258% | 6,617 |
| Noninterest expense to average assets | 3.3385% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1804% | 5,221 |
| Return on assets (ROA) | 0.2970% | 4,905 |
| Pretax return on assets | 0.3130% | 5,024 |
| Return on Equity (ROE) | 3.6603% | 4,513 |
| Retained earnings to average equity (ytd only) | -0.4850% | 5,347 |
| Net charge-offs to loans | 0.0024% | 6,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 203.5038% | 188 |
| Efficiency ratio | 94.6097% | 1,364 |
| Assets per employee ($millions) | 2.7069% | 6,834 |
| Cash dividends to net income (ytd only)* | 113.2471% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 7,257 |
| Loan loss allowance to noncurrent loans | 367.5676% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 7,372 |
| Noncurrent loans to loans | 0.2047% | 6,988 |
| Net loans and leases to total assets | 36.1488% | 7,617 |
| Net loans and leases to deposits | 39.9960% | 7,730 |
| Net loans and leases to core deposits | 42.7498% | 7,815 |
| Total domestic deposits to total assets | 90.3810% | 629 |
| Equity capital to assets | 8.0372% | 6,816 |
| Core capital (leverage) ratio | 8.8995% | 4,813 |
| Tier 1 risk-based capital ratio | 21.5236% | 1,286 |
| Total risk-based capital ratio | 22.1998% | 1,354 |
| Memoranda: | ||
| Average total assets | $142,295,250 | 4,089 |
| Average earning assets | $135,206,000 | 4,020 |
| Average equity | $11,547,250 | 4,913 |
| Average total loans | $54,855,750 | 5,524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 6,890 |
| Cost of funding earning assets | 1.3698% | 6,584 |
| Net interest margin | 3.5931% | 4,392 |
| Noninterest income to average assets | 0.2298% | 6,640 |
| Noninterest expense to average assets | 3.2406% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3840% | 4,571 |
| Return on assets (ROA) | 0.3840% | 4,671 |
| Pretax return on assets | 0.3969% | 4,942 |
| Return on Equity (ROE) | 4.7161% | 4,203 |
| Retained earnings to average equity (ytd only) | -1.5779% | 5,642 |
| Net charge-offs to loans | 0.0036% | 6,568 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 143 |
| Efficiency ratio | 89.0895% | 1,898 |
| Assets per employee ($millions) | 2.6546% | 6,945 |
| Cash dividends to net income (ytd only)* | 133.4572% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 7,308 |
| Loan loss allowance to noncurrent loans | 3,709.0909% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,631 |
| Noncurrent loans to loans | 0.0202% | 7,499 |
| Net loans and leases to total assets | 37.7652% | 7,642 |
| Net loans and leases to deposits | 41.6877% | 7,766 |
| Net loans and leases to core deposits | 44.7601% | 7,865 |
| Total domestic deposits to total assets | 90.5908% | 596 |
| Equity capital to assets | 7.9296% | 6,830 |
| Core capital (leverage) ratio | 9.0691% | 4,515 |
| Tier 1 risk-based capital ratio | 21.3075% | 1,347 |
| Total risk-based capital ratio | 21.9794% | 1,401 |
| Memoranda: | ||
| Average total assets | $140,099,670 | 4,171 |
| Average earning assets | $132,867,330 | 4,086 |
| Average equity | $11,407,670 | 4,974 |
| Average total loans | $55,065,330 | 5,556 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 5,995 |
| Cost of funding earning assets | 1.3938% | 6,757 |
| Net interest margin | 3.8833% | 3,119 |
| Noninterest income to average assets | 0.1993% | 6,866 |
| Noninterest expense to average assets | 3.2150% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6817% | 3,653 |
| Return on assets (ROA) | 0.6817% | 3,838 |
| Pretax return on assets | 0.6702% | 4,522 |
| Return on Equity (ROE) | 8.2604% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.2604% | 1,721 |
| Net charge-offs to loans | 0.0072% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 182 |
| Efficiency ratio | 82.7509% | 2,443 |
| Assets per employee ($millions) | 2.5282% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 7,346 |
| Loan loss allowance to noncurrent loans | 392.3077% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 7,372 |
| Noncurrent loans to loans | 0.1879% | 6,993 |
| Net loans and leases to total assets | 39.5208% | 7,591 |
| Net loans and leases to deposits | 43.8975% | 7,729 |
| Net loans and leases to core deposits | 47.6225% | 7,840 |
| Total domestic deposits to total assets | 90.0296% | 789 |
| Equity capital to assets | 8.4048% | 6,226 |
| Core capital (leverage) ratio | 8.8340% | 4,933 |
| Tier 1 risk-based capital ratio | 20.3880% | 1,548 |
| Total risk-based capital ratio | 21.0702% | 1,607 |
| Memoranda: | ||
| Average total assets | $138,475,000 | 4,222 |
| Average earning assets | $131,435,000 | 4,120 |
| Average equity | $11,428,000 | 5,000 |
| Average total loans | $55,326,000 | 5,575 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 7,352 |
| Cost of funding earning assets | 1.5289% | 7,562 |
| Net interest margin | 3.9467% | 3,379 |
| Noninterest income to average assets | 0.2273% | 6,811 |
| Noninterest expense to average assets | 3.2170% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6583% | 4,072 |
| Return on assets (ROA) | 0.6732% | 3,852 |
| Pretax return on assets | 0.7619% | 4,209 |
| Return on Equity (ROE) | 7.8145% | 3,144 |
| Retained earnings to average equity (ytd only) | 0.6640% | 4,838 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1956% | 2,412 |
| Assets per employee ($millions) | 2.5537% | 7,103 |
| Cash dividends to net income (ytd only)* | 91.5033% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 7,330 |
| Loan loss allowance to noncurrent loans | 385.8491% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 7,260 |
| Noncurrent loans to loans | 0.1917% | 6,816 |
| Net loans and leases to total assets | 39.7980% | 7,680 |
| Net loans and leases to deposits | 44.0065% | 7,848 |
| Net loans and leases to core deposits | 47.6261% | 7,934 |
| Total domestic deposits to total assets | 90.4365% | 515 |
| Equity capital to assets | 8.0994% | 6,699 |
| Core capital (leverage) ratio | 8.6902% | 5,213 |
| Tier 1 risk-based capital ratio | 19.7941% | 1,652 |
| Total risk-based capital ratio | 20.4711% | 1,718 |
| Memoranda: | ||
| Average total assets | $136,371,000 | 4,153 |
| Average earning assets | $129,044,400 | 4,061 |
| Average equity | $11,747,400 | 4,904 |
| Average total loans | $55,418,600 | 5,479 |