Home > Washington Savings Bank > Performance and Condition Ratios
Washington Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 4,021 |
| Cost of funding earning assets | 1.3141% | 2,476 |
| Net interest margin | 2.6448% | 3,906 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.6046% | 1,985 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.2197% | 4,141 |
| Return on assets (ROA) | 0.2197% | 4,154 |
| Pretax return on assets | 0.2651% | 4,126 |
| Return on Equity (ROE) | 2.5200% | 4,095 |
| Retained earnings to average equity (ytd only) | 2.5183% | 3,440 |
| Net charge-offs to loans | -0.0087% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.8282% | 335 |
| Assets per employee ($millions) | 7.1847% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 4,148 |
| Loan loss allowance to noncurrent loans | 208.7855% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 1,880 |
| Noncurrent loans to loans | 0.3294% | 2,003 |
| Net loans and leases to total assets | 81.2000% | 511 |
| Net loans and leases to deposits | 100.4793% | 511 |
| Net loans and leases to core deposits | 122.4827% | 554 |
| Total domestic deposits to total assets | 80.8100% | 3,342 |
| Equity capital to assets | 9.0617% | 2,631 |
| Core capital (leverage) ratio | 10.0506% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9120% | 938 |
| Memoranda: | ||
| Average total assets | $281,766,200 | 2,517 |
| Average earning assets | $265,428,000 | 2,488 |
| Average equity | $24,579,800 | 2,544 |
| Average total loans | $231,134,000 | 2,094 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,997 |
| Cost of funding earning assets | 1.1778% | 2,497 |
| Net interest margin | 2.7201% | 3,855 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.6817% | 1,721 |
| Loan and lease loss provision to assets | -0.0800% | 4,523 |
| Net operating income to assets | 0.2306% | 4,199 |
| Return on assets (ROA) | 0.2306% | 4,212 |
| Pretax return on assets | 0.2796% | 4,186 |
| Return on Equity (ROE) | 2.6700% | 4,133 |
| Retained earnings to average equity (ytd only) | 2.6705% | 3,593 |
| Net charge-offs to loans | -0.0110% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.0989% | 289 |
| Assets per employee ($millions) | 7.0584% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 4,144 |
| Loan loss allowance to noncurrent loans | 155.7377% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 1,563 |
| Noncurrent loans to loans | 0.4469% | 1,707 |
| Net loans and leases to total assets | 81.6200% | 466 |
| Net loans and leases to deposits | 96.3089% | 733 |
| Net loans and leases to core deposits | 115.9064% | 663 |
| Total domestic deposits to total assets | 84.7500% | 2,579 |
| Equity capital to assets | 8.8688% | 2,490 |
| Core capital (leverage) ratio | 10.0576% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2634% | 909 |
| Memoranda: | ||
| Average total assets | $280,361,250 | 2,523 |
| Average earning assets | $264,445,500 | 2,495 |
| Average equity | $24,214,250 | 2,552 |
| Average total loans | $230,176,500 | 2,099 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 3,925 |
| Cost of funding earning assets | 1.0954% | 2,288 |
| Net interest margin | 2.7736% | 3,862 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.7980% | 1,417 |
| Loan and lease loss provision to assets | -0.1200% | 4,579 |
| Net operating income to assets | 0.2059% | 4,269 |
| Return on assets (ROA) | 0.2059% | 4,292 |
| Pretax return on assets | 0.2517% | 4,272 |
| Return on Equity (ROE) | 2.4100% | 4,226 |
| Retained earnings to average equity (ytd only) | 2.4061% | 3,623 |
| Net charge-offs to loans | -0.0174% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.5556% | 233 |
| Assets per employee ($millions) | 7.2520% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 4,023 |
| Loan loss allowance to noncurrent loans | 162.7763% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 1,331 |
| Noncurrent loans to loans | 0.4918% | 1,484 |
| Net loans and leases to total assets | 80.6600% | 562 |
| Net loans and leases to deposits | 93.1213% | 941 |
| Net loans and leases to core deposits | 110.5579% | 805 |
| Total domestic deposits to total assets | 86.6200% | 2,047 |
| Equity capital to assets | 8.8923% | 2,593 |
| Core capital (leverage) ratio | 9.8900% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4017% | 901 |
| Memoranda: | ||
| Average total assets | $279,702,667 | 2,529 |
| Average earning assets | $264,205,000 | 2,504 |
| Average equity | $23,939,000 | 2,574 |
| Average total loans | $229,549,000 | 2,098 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7510% | 3,944 |
| Cost of funding earning assets | 0.9944% | 2,067 |
| Net interest margin | 2.7566% | 4,006 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.6864% | 1,713 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.1755% | 4,381 |
| Return on assets (ROA) | 0.1755% | 4,354 |
| Pretax return on assets | 0.2114% | 4,328 |
| Return on Equity (ROE) | 2.0900% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.0914% | 3,687 |
| Net charge-offs to loans | 0.0017% | 1,981 |
| Credit loss provision to net charge-offs | 1,800.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 578 |
| Efficiency ratio | 91.8839% | 311 |
| Assets per employee ($millions) | 7.0087% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 3,926 |
| Loan loss allowance to noncurrent loans | 174.9129% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 1,261 |
| Noncurrent loans to loans | 0.4979% | 1,473 |
| Net loans and leases to total assets | 81.5300% | 418 |
| Net loans and leases to deposits | 93.1521% | 839 |
| Net loans and leases to core deposits | 110.3089% | 697 |
| Total domestic deposits to total assets | 87.5300% | 2,078 |
| Equity capital to assets | 8.4046% | 2,962 |
| Core capital (leverage) ratio | 9.9262% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3982% | 927 |
| Memoranda: | ||
| Average total assets | $278,139,500 | 2,567 |
| Average earning assets | $263,078,000 | 2,545 |
| Average equity | $23,333,500 | 2,635 |
| Average total loans | $229,341,500 | 2,119 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 2,964 |
| Cost of funding earning assets | 0.4261% | 1,894 |
| Net interest margin | 3.1160% | 3,125 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.6255% | 1,754 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4769% | 4,117 |
| Return on assets (ROA) | 0.4769% | 4,087 |
| Pretax return on assets | 0.6307% | 3,978 |
| Return on Equity (ROE) | 5.4900% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.4859% | 2,834 |
| Net charge-offs to loans | 0.0018% | 2,479 |
| Credit loss provision to net charge-offs | 2,450.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 356 |
| Efficiency ratio | 79.7508% | 736 |
| Assets per employee ($millions) | 6.5698% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 3,862 |
| Loan loss allowance to noncurrent loans | 172.8299% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 1,232 |
| Noncurrent loans to loans | 0.5050% | 1,441 |
| Net loans and leases to total assets | 81.9400% | 411 |
| Net loans and leases to deposits | 93.9800% | 782 |
| Net loans and leases to core deposits | 107.3585% | 694 |
| Total domestic deposits to total assets | 87.1900% | 2,331 |
| Equity capital to assets | 8.3734% | 2,792 |
| Core capital (leverage) ratio | 9.8779% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6264% | 880 |
| Memoranda: | ||
| Average total assets | $273,011,200 | 2,589 |
| Average earning assets | $257,893,200 | 2,564 |
| Average equity | $23,733,600 | 2,653 |
| Average total loans | $222,281,000 | 2,095 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 2,690 |
| Cost of funding earning assets | 0.3064% | 2,101 |
| Net interest margin | 3.1710% | 2,709 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.6340% | 1,636 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5044% | 4,063 |
| Return on assets (ROA) | 0.5044% | 4,012 |
| Pretax return on assets | 0.6684% | 3,859 |
| Return on Equity (ROE) | 5.7500% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.7482% | 2,838 |
| Net charge-offs to loans | 0.0012% | 2,276 |
| Credit loss provision to net charge-offs | 3,900.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 721.5000% | 225 |
| Efficiency ratio | 78.8478% | 849 |
| Assets per employee ($millions) | 6.4132% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 3,948 |
| Loan loss allowance to noncurrent loans | 170.3800% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 1,296 |
| Noncurrent loans to loans | 0.5087% | 1,527 |
| Net loans and leases to total assets | 81.8300% | 391 |
| Net loans and leases to deposits | 93.3957% | 673 |
| Net loans and leases to core deposits | 104.4986% | 630 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 8.1739% | 2,776 |
| Core capital (leverage) ratio | 9.8090% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4494% | 926 |
| Memoranda: | ||
| Average total assets | $272,280,750 | 2,613 |
| Average earning assets | $257,198,750 | 2,588 |
| Average equity | $23,890,750 | 2,694 |
| Average total loans | $220,825,250 | 2,104 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 2,342 |
| Cost of funding earning assets | 0.2467% | 2,314 |
| Net interest margin | 3.1866% | 2,235 |
| Noninterest income to average assets | 0.3445% | 3,087 |
| Noninterest expense to average assets | 2.5981% | 1,643 |
| Loan and lease loss provision to assets | 0.0295% | 2,061 |
| Net operating income to assets | 0.5466% | 3,774 |
| Return on assets (ROA) | 0.5466% | 3,727 |
| Pretax return on assets | 0.7274% | 3,510 |
| Return on Equity (ROE) | 6.0886% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.0886% | 2,308 |
| Net charge-offs to loans | 0.0018% | 2,042 |
| Credit loss provision to net charge-offs | 2,000.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 513.0000% | 253 |
| Efficiency ratio | 77.4406% | 1,134 |
| Assets per employee ($millions) | 6.8088% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,051 |
| Loan loss allowance to noncurrent loans | 209.1892% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 1,641 |
| Noncurrent loans to loans | 0.4134% | 1,875 |
| Net loans and leases to total assets | 81.4457% | 317 |
| Net loans and leases to deposits | 94.5875% | 490 |
| Net loans and leases to core deposits | 100.8768% | 637 |
| Total domestic deposits to total assets | 86.1062% | 3,220 |
| Equity capital to assets | 8.5140% | 2,753 |
| Core capital (leverage) ratio | 9.9674% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6840% | 893 |
| Memoranda: | ||
| Average total assets | $271,118,000 | 2,640 |
| Average earning assets | $256,135,667 | 2,622 |
| Average equity | $24,340,667 | 2,721 |
| Average total loans | $218,552,000 | 2,116 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 1,962 |
| Cost of funding earning assets | 0.2585% | 2,064 |
| Net interest margin | 3.1860% | 1,925 |
| Noninterest income to average assets | 0.3416% | 3,048 |
| Noninterest expense to average assets | 2.6026% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5604% | 3,523 |
| Return on assets (ROA) | 0.5604% | 3,499 |
| Pretax return on assets | 0.7468% | 3,258 |
| Return on Equity (ROE) | 6.0842% | 3,328 |
| Retained earnings to average equity (ytd only) | 6.0842% | 2,224 |
| Net charge-offs to loans | 0.0019% | 1,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 209 |
| Efficiency ratio | 77.7042% | 1,338 |
| Assets per employee ($millions) | 7.3518% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,097 |
| Loan loss allowance to noncurrent loans | 230.9379% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 1,911 |
| Noncurrent loans to loans | 0.3801% | 2,130 |
| Net loans and leases to total assets | 78.7177% | 319 |
| Net loans and leases to deposits | 90.4305% | 488 |
| Net loans and leases to core deposits | 96.1918% | 644 |
| Total domestic deposits to total assets | 87.0478% | 2,905 |
| Equity capital to assets | 8.9984% | 2,708 |
| Core capital (leverage) ratio | 9.8485% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9905% | 908 |
| Memoranda: | ||
| Average total assets | $270,501,000 | 2,660 |
| Average earning assets | $255,365,000 | 2,651 |
| Average equity | $24,917,000 | 2,780 |
| Average total loans | $215,951,000 | 2,128 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 2,568 |
| Cost of funding earning assets | 0.3948% | 1,580 |
| Net interest margin | 3.1370% | 2,773 |
| Noninterest income to average assets | 0.4381% | 2,865 |
| Noninterest expense to average assets | 2.5552% | 2,007 |
| Loan and lease loss provision to assets | 0.0493% | 2,071 |
| Net operating income to assets | 0.5952% | 3,886 |
| Return on assets (ROA) | 0.5952% | 3,928 |
| Pretax return on assets | 0.7907% | 3,747 |
| Return on Equity (ROE) | 6.4860% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.4860% | 2,135 |
| Net charge-offs to loans | 0.0009% | 2,650 |
| Credit loss provision to net charge-offs | 6,550.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 1,115.0000% | 130 |
| Efficiency ratio | 75.2580% | 1,180 |
| Assets per employee ($millions) | 7.2699% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,115 |
| Loan loss allowance to noncurrent loans | 229.6610% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 2,005 |
| Noncurrent loans to loans | 0.3826% | 2,218 |
| Net loans and leases to total assets | 79.5522% | 288 |
| Net loans and leases to deposits | 92.0488% | 468 |
| Net loans and leases to core deposits | 99.3869% | 563 |
| Total domestic deposits to total assets | 86.4239% | 2,750 |
| Equity capital to assets | 9.4268% | 3,203 |
| Core capital (leverage) ratio | 9.6489% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7801% | 925 |
| Memoranda: | ||
| Average total assets | $265,463,000 | 2,634 |
| Average earning assets | $250,236,800 | 2,612 |
| Average equity | $24,360,200 | 2,891 |
| Average total loans | $212,463,800 | 2,154 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 2,756 |
| Cost of funding earning assets | 0.4225% | 1,539 |
| Net interest margin | 3.1029% | 3,047 |
| Noninterest income to average assets | 0.4561% | 2,812 |
| Noninterest expense to average assets | 2.6229% | 1,777 |
| Loan and lease loss provision to assets | 0.0661% | 1,673 |
| Net operating income to assets | 0.5246% | 4,151 |
| Return on assets (ROA) | 0.5246% | 4,199 |
| Pretax return on assets | 0.6909% | 4,078 |
| Return on Equity (ROE) | 5.7566% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.7566% | 2,930 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6055% | 909 |
| Assets per employee ($millions) | 7.0903% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,181 |
| Loan loss allowance to noncurrent loans | 133.5443% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 1,447 |
| Noncurrent loans to loans | 0.6647% | 1,645 |
| Net loans and leases to total assets | 78.6984% | 361 |
| Net loans and leases to deposits | 91.0554% | 545 |
| Net loans and leases to core deposits | 99.2413% | 617 |
| Total domestic deposits to total assets | 86.4291% | 2,592 |
| Equity capital to assets | 9.2566% | 3,604 |
| Core capital (leverage) ratio | 9.6103% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0940% | 1,112 |
| Memoranda: | ||
| Average total assets | $264,582,000 | 2,665 |
| Average earning assets | $249,305,750 | 2,644 |
| Average equity | $24,111,000 | 2,935 |
| Average total loans | $211,609,250 | 2,190 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 2,729 |
| Cost of funding earning assets | 0.4487% | 1,530 |
| Net interest margin | 3.1177% | 2,990 |
| Noninterest income to average assets | 0.5012% | 2,620 |
| Noninterest expense to average assets | 2.6931% | 1,606 |
| Loan and lease loss provision to assets | 0.0996% | 1,273 |
| Net operating income to assets | 0.4944% | 4,233 |
| Return on assets (ROA) | 0.4944% | 4,276 |
| Pretax return on assets | 0.6465% | 4,162 |
| Return on Equity (ROE) | 5.4542% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.4542% | 3,016 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3061% | 894 |
| Assets per employee ($millions) | 6.5496% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,210 |
| Loan loss allowance to noncurrent loans | 106.1487% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 1,249 |
| Noncurrent loans to loans | 0.8295% | 1,476 |
| Net loans and leases to total assets | 79.6077% | 337 |
| Net loans and leases to deposits | 92.1146% | 535 |
| Net loans and leases to core deposits | 99.6026% | 671 |
| Total domestic deposits to total assets | 86.4225% | 2,584 |
| Equity capital to assets | 9.1855% | 3,618 |
| Core capital (leverage) ratio | 9.5498% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4790% | 1,233 |
| Memoranda: | ||
| Average total assets | $262,966,000 | 2,659 |
| Average earning assets | $247,813,000 | 2,643 |
| Average equity | $23,834,667 | 2,948 |
| Average total loans | $210,833,667 | 2,205 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 2,436 |
| Cost of funding earning assets | 0.4787% | 1,529 |
| Net interest margin | 3.1915% | 2,728 |
| Noninterest income to average assets | 0.5965% | 2,226 |
| Noninterest expense to average assets | 2.8134% | 1,339 |
| Loan and lease loss provision to assets | 0.1307% | 1,047 |
| Net operating income to assets | 0.5104% | 4,154 |
| Return on assets (ROA) | 0.5104% | 4,189 |
| Pretax return on assets | 0.6657% | 4,089 |
| Return on Equity (ROE) | 5.6706% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.6706% | 3,012 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9387% | 958 |
| Assets per employee ($millions) | 6.4695% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 4,218 |
| Loan loss allowance to noncurrent loans | 126.9178% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 1,720 |
| Noncurrent loans to loans | 0.6926% | 1,853 |
| Net loans and leases to total assets | 78.7747% | 417 |
| Net loans and leases to deposits | 90.6574% | 666 |
| Net loans and leases to core deposits | 98.5595% | 779 |
| Total domestic deposits to total assets | 86.8927% | 2,351 |
| Equity capital to assets | 8.8400% | 3,844 |
| Core capital (leverage) ratio | 9.7145% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7781% | 1,110 |
| Memoranda: | ||
| Average total assets | $260,182,500 | 2,671 |
| Average earning assets | $245,652,000 | 2,645 |
| Average equity | $23,419,000 | 2,966 |
| Average total loans | $208,414,500 | 2,225 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,117 |
| Cost of funding earning assets | 0.8239% | 1,112 |
| Net interest margin | 3.0448% | 3,767 |
| Noninterest income to average assets | 0.7216% | 1,783 |
| Noninterest expense to average assets | 2.7500% | 2,077 |
| Loan and lease loss provision to assets | 0.0656% | 3,557 |
| Net operating income to assets | 0.5806% | 3,810 |
| Return on assets (ROA) | 0.5806% | 3,917 |
| Pretax return on assets | 0.7805% | 3,675 |
| Return on Equity (ROE) | 6.4584% | 3,424 |
| Retained earnings to average equity (ytd only) | 6.4584% | 1,607 |
| Net charge-offs to loans | 0.0034% | 3,254 |
| Credit loss provision to net charge-offs | 2,400.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 309.5714% | 340 |
| Efficiency ratio | 76.4712% | 1,173 |
| Assets per employee ($millions) | 6.0742% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,306 |
| Loan loss allowance to noncurrent loans | 96.4539% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 1,445 |
| Noncurrent loans to loans | 0.8897% | 1,582 |
| Net loans and leases to total assets | 80.0651% | 422 |
| Net loans and leases to deposits | 93.5577% | 683 |
| Net loans and leases to core deposits | 102.0127% | 813 |
| Total domestic deposits to total assets | 85.5783% | 2,541 |
| Equity capital to assets | 9.1684% | 3,924 |
| Core capital (leverage) ratio | 9.7253% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9706% | 1,063 |
| Memoranda: | ||
| Average total assets | $256,112,000 | 2,539 |
| Average earning assets | $241,789,600 | 2,517 |
| Average equity | $23,024,400 | 2,936 |
| Average total loans | $206,497,400 | 2,188 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 3,169 |
| Cost of funding earning assets | 0.9064% | 1,047 |
| Net interest margin | 3.0225% | 3,922 |
| Noninterest income to average assets | 0.6896% | 1,832 |
| Noninterest expense to average assets | 2.7128% | 2,225 |
| Loan and lease loss provision to assets | 0.0534% | 3,679 |
| Net operating income to assets | 0.5742% | 3,848 |
| Return on assets (ROA) | 0.5742% | 3,943 |
| Pretax return on assets | 0.7781% | 3,708 |
| Return on Equity (ROE) | 6.4185% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.4185% | 1,915 |
| Net charge-offs to loans | 0.0013% | 3,176 |
| Credit loss provision to net charge-offs | 5,150.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 799.5000% | 154 |
| Efficiency ratio | 76.5371% | 1,156 |
| Assets per employee ($millions) | 5.6951% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,259 |
| Loan loss allowance to noncurrent loans | 92.3243% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 1,618 |
| Noncurrent loans to loans | 0.9084% | 1,643 |
| Net loans and leases to total assets | 78.7948% | 743 |
| Net loans and leases to deposits | 92.0678% | 1,064 |
| Net loans and leases to core deposits | 100.6700% | 1,118 |
| Total domestic deposits to total assets | 85.5834% | 2,226 |
| Equity capital to assets | 8.9940% | 4,128 |
| Core capital (leverage) ratio | 9.6474% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1040% | 1,038 |
| Memoranda: | ||
| Average total assets | $256,361,000 | 2,521 |
| Average earning assets | $242,132,250 | 2,501 |
| Average equity | $22,933,000 | 2,942 |
| Average total loans | $206,615,000 | 2,185 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 3,305 |
| Cost of funding earning assets | 1.0030% | 978 |
| Net interest margin | 3.0033% | 4,119 |
| Noninterest income to average assets | 0.6022% | 2,120 |
| Noninterest expense to average assets | 2.6437% | 2,542 |
| Loan and lease loss provision to assets | 0.0585% | 3,570 |
| Net operating income to assets | 0.5359% | 3,916 |
| Return on assets (ROA) | 0.5359% | 3,996 |
| Pretax return on assets | 0.7379% | 3,776 |
| Return on Equity (ROE) | 6.0016% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.0016% | 2,082 |
| Net charge-offs to loans | 0.0019% | 2,950 |
| Credit loss provision to net charge-offs | 3,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 510.5000% | 203 |
| Efficiency ratio | 76.8481% | 1,175 |
| Assets per employee ($millions) | 6.3145% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 4,311 |
| Loan loss allowance to noncurrent loans | 185.8407% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 2,894 |
| Noncurrent loans to loans | 0.4376% | 2,849 |
| Net loans and leases to total assets | 79.1396% | 705 |
| Net loans and leases to deposits | 93.6858% | 990 |
| Net loans and leases to core deposits | 105.1220% | 939 |
| Total domestic deposits to total assets | 84.4735% | 2,567 |
| Equity capital to assets | 8.7631% | 4,298 |
| Core capital (leverage) ratio | 9.1954% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4791% | 1,138 |
| Memoranda: | ||
| Average total assets | $256,387,667 | 2,503 |
| Average earning assets | $242,268,000 | 2,477 |
| Average equity | $22,894,000 | 2,935 |
| Average total loans | $207,605,333 | 2,163 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,481 |
| Cost of funding earning assets | 1.0928% | 1,068 |
| Net interest margin | 3.0231% | 4,243 |
| Noninterest income to average assets | 0.4390% | 2,856 |
| Noninterest expense to average assets | 2.6684% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4907% | 3,919 |
| Return on assets (ROA) | 0.4907% | 3,973 |
| Pretax return on assets | 0.6287% | 3,871 |
| Return on Equity (ROE) | 5.4441% | 3,493 |
| Retained earnings to average equity (ytd only) | 5.4441% | 2,091 |
| Net charge-offs to loans | 0.0038% | 2,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 200.5000% | 345 |
| Efficiency ratio | 80.9320% | 1,050 |
| Assets per employee ($millions) | 6.2853% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,458 |
| Loan loss allowance to noncurrent loans | 138.0052% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 2,664 |
| Noncurrent loans to loans | 0.5620% | 2,592 |
| Net loans and leases to total assets | 79.6803% | 732 |
| Net loans and leases to deposits | 98.1712% | 692 |
| Net loans and leases to core deposits | 112.8445% | 717 |
| Total domestic deposits to total assets | 81.1646% | 3,629 |
| Equity capital to assets | 9.0510% | 4,570 |
| Core capital (leverage) ratio | 9.3388% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0171% | 1,342 |
| Memoranda: | ||
| Average total assets | $255,135,000 | 2,464 |
| Average earning assets | $241,208,500 | 2,435 |
| Average equity | $22,997,500 | 2,925 |
| Average total loans | $208,124,500 | 2,130 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 3,648 |
| Cost of funding earning assets | 1.1574% | 1,133 |
| Net interest margin | 3.1022% | 4,360 |
| Noninterest income to average assets | 0.4868% | 2,823 |
| Noninterest expense to average assets | 2.6643% | 2,982 |
| Loan and lease loss provision to assets | 0.0063% | 3,881 |
| Net operating income to assets | 0.5786% | 4,225 |
| Return on assets (ROA) | 0.5786% | 4,278 |
| Pretax return on assets | 0.7482% | 4,088 |
| Return on Equity (ROE) | 6.6702% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.6702% | 1,535 |
| Net charge-offs to loans | -0.0101% | 4,475 |
| Credit loss provision to net charge-offs | -76.1905% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9310% | 1,160 |
| Assets per employee ($millions) | 6.4763% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,401 |
| Loan loss allowance to noncurrent loans | 196.9363% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 3,125 |
| Noncurrent loans to loans | 0.3899% | 3,038 |
| Net loans and leases to total assets | 82.2349% | 530 |
| Net loans and leases to deposits | 102.8564% | 426 |
| Net loans and leases to core deposits | 119.8440% | 483 |
| Total domestic deposits to total assets | 79.9512% | 3,991 |
| Equity capital to assets | 8.9760% | 4,693 |
| Core capital (leverage) ratio | 9.2110% | 4,353 |
| Tier 1 risk-based capital ratio | 15.3512% | 2,632 |
| Total risk-based capital ratio | 16.4351% | 2,640 |
| Memoranda: | ||
| Average total assets | $252,487,800 | 2,442 |
| Average earning assets | $238,636,200 | 2,417 |
| Average equity | $21,903,400 | 2,969 |
| Average total loans | $207,181,800 | 2,112 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 3,756 |
| Cost of funding earning assets | 1.1544% | 1,158 |
| Net interest margin | 3.1146% | 4,456 |
| Noninterest income to average assets | 0.4869% | 2,815 |
| Noninterest expense to average assets | 2.6717% | 2,938 |
| Loan and lease loss provision to assets | 0.0084% | 3,721 |
| Net operating income to assets | 0.5793% | 4,344 |
| Return on assets (ROA) | 0.5793% | 4,391 |
| Pretax return on assets | 0.7504% | 4,240 |
| Return on Equity (ROE) | 6.7367% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.7367% | 1,991 |
| Net charge-offs to loans | -0.0077% | 4,317 |
| Credit loss provision to net charge-offs | -133.3333% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8787% | 1,117 |
| Assets per employee ($millions) | 6.0020% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,510 |
| Loan loss allowance to noncurrent loans | 203.3079% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 3,296 |
| Noncurrent loans to loans | 0.3763% | 3,210 |
| Net loans and leases to total assets | 82.2219% | 542 |
| Net loans and leases to deposits | 105.1001% | 355 |
| Net loans and leases to core deposits | 120.9151% | 502 |
| Total domestic deposits to total assets | 78.2319% | 4,307 |
| Equity capital to assets | 8.8542% | 4,847 |
| Core capital (leverage) ratio | 9.0414% | 4,604 |
| Tier 1 risk-based capital ratio | 15.1006% | 2,800 |
| Total risk-based capital ratio | 16.1739% | 2,817 |
| Memoranda: | ||
| Average total assets | $252,466,250 | 2,466 |
| Average earning assets | $238,609,250 | 2,433 |
| Average equity | $21,711,500 | 3,003 |
| Average total loans | $206,649,500 | 2,134 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 3,733 |
| Cost of funding earning assets | 1.1388% | 1,167 |
| Net interest margin | 3.1305% | 4,484 |
| Noninterest income to average assets | 0.4711% | 2,833 |
| Noninterest expense to average assets | 2.6802% | 2,977 |
| Loan and lease loss provision to assets | 0.0119% | 3,522 |
| Net operating income to assets | 0.5701% | 4,384 |
| Return on assets (ROA) | 0.5701% | 4,421 |
| Pretax return on assets | 0.7372% | 4,243 |
| Return on Equity (ROE) | 6.6950% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.6950% | 1,956 |
| Net charge-offs to loans | -0.0136% | 4,418 |
| Credit loss provision to net charge-offs | -107.1429% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1575% | 1,130 |
| Assets per employee ($millions) | 6.2541% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7784% | 4,517 |
| Loan loss allowance to noncurrent loans | 207.6623% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 3,344 |
| Noncurrent loans to loans | 0.3748% | 3,183 |
| Net loans and leases to total assets | 79.4910% | 967 |
| Net loans and leases to deposits | 100.9759% | 610 |
| Net loans and leases to core deposits | 114.7724% | 742 |
| Total domestic deposits to total assets | 78.7227% | 4,272 |
| Equity capital to assets | 8.5473% | 5,020 |
| Core capital (leverage) ratio | 8.9086% | 4,707 |
| Tier 1 risk-based capital ratio | 14.9877% | 2,853 |
| Total risk-based capital ratio | 16.0734% | 2,830 |
| Memoranda: | ||
| Average total assets | $252,593,330 | 2,475 |
| Average earning assets | $238,681,000 | 2,441 |
| Average equity | $21,508,670 | 3,020 |
| Average total loans | $205,910,330 | 2,146 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 3,564 |
| Cost of funding earning assets | 1.1222% | 1,116 |
| Net interest margin | 3.1758% | 4,438 |
| Noninterest income to average assets | 0.4436% | 2,885 |
| Noninterest expense to average assets | 2.7366% | 2,787 |
| Loan and lease loss provision to assets | 0.0160% | 3,230 |
| Net operating income to assets | 0.5393% | 4,408 |
| Return on assets (ROA) | 0.5393% | 4,437 |
| Pretax return on assets | 0.6893% | 4,323 |
| Return on Equity (ROE) | 6.3461% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.3461% | 2,297 |
| Net charge-offs to loans | 0.0058% | 2,494 |
| Credit loss provision to net charge-offs | 333.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 147.3333% | 511 |
| Efficiency ratio | 79.5086% | 1,105 |
| Assets per employee ($millions) | 6.1070% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 4,613 |
| Loan loss allowance to noncurrent loans | 194.6914% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 3,304 |
| Noncurrent loans to loans | 0.3945% | 3,175 |
| Net loans and leases to total assets | 81.3653% | 662 |
| Net loans and leases to deposits | 103.9179% | 396 |
| Net loans and leases to core deposits | 117.2838% | 604 |
| Total domestic deposits to total assets | 78.2977% | 4,467 |
| Equity capital to assets | 8.6090% | 4,921 |
| Core capital (leverage) ratio | 8.7797% | 4,809 |
| Tier 1 risk-based capital ratio | 14.5168% | 3,094 |
| Total risk-based capital ratio | 15.5847% | 3,107 |
| Memoranda: | ||
| Average total assets | $250,680,500 | 2,504 |
| Average earning assets | $236,668,000 | 2,479 |
| Average equity | $21,304,500 | 3,040 |
| Average total loans | $206,151,000 | 2,166 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,627 |
| Cost of funding earning assets | 0.8675% | 1,234 |
| Net interest margin | 3.2709% | 4,338 |
| Noninterest income to average assets | 0.5206% | 2,716 |
| Noninterest expense to average assets | 2.7627% | 2,815 |
| Loan and lease loss provision to assets | 0.0980% | 2,217 |
| Net operating income to assets | 0.5980% | 4,426 |
| Return on assets (ROA) | 0.5980% | 4,432 |
| Pretax return on assets | 0.7422% | 4,305 |
| Return on Equity (ROE) | 6.8797% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.8797% | 1,719 |
| Net charge-offs to loans | -0.0063% | 4,399 |
| Credit loss provision to net charge-offs | -1,908.3333% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6801% | 1,270 |
| Assets per employee ($millions) | 5.9755% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 4,654 |
| Loan loss allowance to noncurrent loans | 196.4956% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 3,281 |
| Noncurrent loans to loans | 0.3860% | 3,153 |
| Net loans and leases to total assets | 81.8518% | 672 |
| Net loans and leases to deposits | 106.5493% | 348 |
| Net loans and leases to core deposits | 119.5860% | 560 |
| Total domestic deposits to total assets | 76.8206% | 4,657 |
| Equity capital to assets | 8.3886% | 4,996 |
| Core capital (leverage) ratio | 8.7752% | 4,827 |
| Tier 1 risk-based capital ratio | 13.4982% | 3,548 |
| Total risk-based capital ratio | 14.5017% | 3,578 |
| Memoranda: | ||
| Average total assets | $233,760,200 | 2,589 |
| Average earning assets | $220,277,800 | 2,562 |
| Average equity | $20,320,800 | 3,064 |
| Average total loans | $191,464,400 | 2,238 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 3,617 |
| Cost of funding earning assets | 0.7993% | 1,342 |
| Net interest margin | 3.3058% | 4,264 |
| Noninterest income to average assets | 0.5305% | 2,672 |
| Noninterest expense to average assets | 2.7990% | 2,634 |
| Loan and lease loss provision to assets | 0.0953% | 2,071 |
| Net operating income to assets | 0.6090% | 4,476 |
| Return on assets (ROA) | 0.6090% | 4,488 |
| Pretax return on assets | 0.7507% | 4,426 |
| Return on Equity (ROE) | 6.9387% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.9387% | 2,157 |
| Net charge-offs to loans | -0.0100% | 4,395 |
| Credit loss provision to net charge-offs | -1,171.4286% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7894% | 1,257 |
| Assets per employee ($millions) | 5.9207% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 4,747 |
| Loan loss allowance to noncurrent loans | 186.2794% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 3,346 |
| Noncurrent loans to loans | 0.4045% | 3,202 |
| Net loans and leases to total assets | 81.7736% | 751 |
| Net loans and leases to deposits | 104.8234% | 499 |
| Net loans and leases to core deposits | 118.0582% | 643 |
| Total domestic deposits to total assets | 78.0109% | 4,482 |
| Equity capital to assets | 8.4574% | 4,955 |
| Core capital (leverage) ratio | 8.8991% | 4,801 |
| Tier 1 risk-based capital ratio | 13.6011% | 3,575 |
| Total risk-based capital ratio | 14.5904% | 3,632 |
| Memoranda: | ||
| Average total assets | $229,457,000 | 2,631 |
| Average earning assets | $216,181,750 | 2,603 |
| Average equity | $20,137,750 | 3,104 |
| Average total loans | $187,581,500 | 2,277 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,559 |
| Cost of funding earning assets | 0.7533% | 1,356 |
| Net interest margin | 3.3126% | 4,214 |
| Noninterest income to average assets | 0.5404% | 2,628 |
| Noninterest expense to average assets | 2.8379% | 2,548 |
| Loan and lease loss provision to assets | 0.0907% | 2,113 |
| Net operating income to assets | 0.6061% | 4,477 |
| Return on assets (ROA) | 0.6061% | 4,482 |
| Pretax return on assets | 0.7306% | 4,434 |
| Return on Equity (ROE) | 6.8176% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.8176% | 2,158 |
| Net charge-offs to loans | -0.0196% | 4,563 |
| Credit loss provision to net charge-offs | -566.6667% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5565% | 1,239 |
| Assets per employee ($millions) | 5.6986% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,813 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 3,331 |
| Noncurrent loans to loans | 0.4315% | 3,152 |
| Net loans and leases to total assets | 81.5013% | 769 |
| Net loans and leases to deposits | 102.2625% | 641 |
| Net loans and leases to core deposits | 113.9821% | 795 |
| Total domestic deposits to total assets | 79.6982% | 4,308 |
| Equity capital to assets | 8.6675% | 4,828 |
| Core capital (leverage) ratio | 9.1615% | 4,507 |
| Tier 1 risk-based capital ratio | 13.6346% | 3,542 |
| Total risk-based capital ratio | 14.6117% | 3,621 |
| Memoranda: | ||
| Average total assets | $225,027,000 | 2,679 |
| Average earning assets | $211,859,670 | 2,651 |
| Average equity | $20,007,000 | 3,129 |
| Average total loans | $183,438,670 | 2,320 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,420 |
| Cost of funding earning assets | 0.7265% | 1,308 |
| Net interest margin | 3.3224% | 4,127 |
| Noninterest income to average assets | 0.5256% | 2,655 |
| Noninterest expense to average assets | 2.9051% | 2,351 |
| Loan and lease loss provision to assets | 0.0544% | 2,678 |
| Net operating income to assets | 0.5491% | 4,579 |
| Return on assets (ROA) | 0.5491% | 4,582 |
| Pretax return on assets | 0.6905% | 4,467 |
| Return on Equity (ROE) | 6.0950% | 4,126 |
| Retained earnings to average equity (ytd only) | 6.0950% | 2,664 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5929% | 1,190 |
| Assets per employee ($millions) | 5.5567% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 4,916 |
| Loan loss allowance to noncurrent loans | 208.4356% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 3,685 |
| Noncurrent loans to loans | 0.3603% | 3,480 |
| Net loans and leases to total assets | 80.8046% | 820 |
| Net loans and leases to deposits | 99.0809% | 776 |
| Net loans and leases to core deposits | 111.0038% | 950 |
| Total domestic deposits to total assets | 81.5542% | 4,077 |
| Equity capital to assets | 8.9712% | 4,587 |
| Core capital (leverage) ratio | 9.1919% | 4,445 |
| Tier 1 risk-based capital ratio | 13.9974% | 3,382 |
| Total risk-based capital ratio | 14.9646% | 3,442 |
| Memoranda: | ||
| Average total assets | $220,718,500 | 2,749 |
| Average earning assets | $207,559,000 | 2,717 |
| Average equity | $19,885,000 | 3,168 |
| Average total loans | $179,222,000 | 2,369 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,884 |
| Cost of funding earning assets | 0.7199% | 925 |
| Net interest margin | 3.1286% | 4,633 |
| Noninterest income to average assets | 0.5719% | 2,596 |
| Noninterest expense to average assets | 2.8437% | 2,632 |
| Loan and lease loss provision to assets | 0.0444% | 3,353 |
| Net operating income to assets | 0.3480% | 4,832 |
| Return on assets (ROA) | 0.3480% | 4,857 |
| Pretax return on assets | 0.6173% | 4,700 |
| Return on Equity (ROE) | 3.8944% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.8944% | 2,870 |
| Net charge-offs to loans | 0.0117% | 3,673 |
| Credit loss provision to net charge-offs | 485.0000% | 642 |
| Earnings coverage of net charge-offs (x) | 72.2500% | 831 |
| Efficiency ratio | 81.1234% | 999 |
| Assets per employee ($millions) | 5.4793% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 4,956 |
| Loan loss allowance to noncurrent loans | 205.0926% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,698 |
| Noncurrent loans to loans | 0.3651% | 3,463 |
| Net loans and leases to total assets | 80.3732% | 909 |
| Net loans and leases to deposits | 101.7284% | 619 |
| Net loans and leases to core deposits | 114.2811% | 787 |
| Total domestic deposits to total assets | 79.0076% | 4,542 |
| Equity capital to assets | 9.0478% | 4,671 |
| Core capital (leverage) ratio | 9.1723% | 4,429 |
| Tier 1 risk-based capital ratio | 13.8551% | 3,443 |
| Total risk-based capital ratio | 14.8089% | 3,505 |
| Memoranda: | ||
| Average total assets | $218,376,400 | 2,739 |
| Average earning assets | $204,758,000 | 2,725 |
| Average equity | $19,515,200 | 3,198 |
| Average total loans | $170,371,200 | 2,415 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,003 |
| Cost of funding earning assets | 0.7264% | 859 |
| Net interest margin | 3.0775% | 4,762 |
| Noninterest income to average assets | 0.5549% | 2,702 |
| Noninterest expense to average assets | 2.8643% | 2,524 |
| Loan and lease loss provision to assets | 0.0257% | 3,622 |
| Net operating income to assets | 0.4015% | 4,998 |
| Return on assets (ROA) | 0.4015% | 5,026 |
| Pretax return on assets | 0.5494% | 4,932 |
| Return on Equity (ROE) | 4.5069% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.5069% | 3,223 |
| Net charge-offs to loans | 0.0127% | 3,285 |
| Credit loss provision to net charge-offs | 262.5000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 58.8204% | 1,005 |
| Efficiency ratio | 83.2800% | 817 |
| Assets per employee ($millions) | 5.2231% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 5,030 |
| Loan loss allowance to noncurrent loans | 196.9183% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,857 |
| Noncurrent loans to loans | 0.3788% | 3,592 |
| Net loans and leases to total assets | 79.4038% | 1,069 |
| Net loans and leases to deposits | 101.8405% | 626 |
| Net loans and leases to core deposits | 113.4364% | 868 |
| Total domestic deposits to total assets | 77.9688% | 4,732 |
| Equity capital to assets | 9.2507% | 4,683 |
| Core capital (leverage) ratio | 9.2402% | 4,478 |
| Tier 1 risk-based capital ratio | 14.1629% | 3,368 |
| Total risk-based capital ratio | 15.1062% | 3,438 |
| Memoranda: | ||
| Average total assets | $218,178,000 | 2,767 |
| Average earning assets | $204,487,000 | 2,744 |
| Average equity | $19,436,500 | 3,230 |
| Average total loans | $168,593,250 | 2,453 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 3,981 |
| Cost of funding earning assets | 0.7379% | 726 |
| Net interest margin | 3.0363% | 4,831 |
| Noninterest income to average assets | 0.5284% | 2,838 |
| Noninterest expense to average assets | 2.8526% | 2,574 |
| Loan and lease loss provision to assets | 0.0182% | 3,603 |
| Net operating income to assets | 0.3754% | 5,032 |
| Return on assets (ROA) | 0.3754% | 5,059 |
| Pretax return on assets | 0.5029% | 5,000 |
| Return on Equity (ROE) | 4.2668% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.2668% | 3,167 |
| Net charge-offs to loans | 0.0119% | 3,038 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 57.2000% | 981 |
| Efficiency ratio | 84.5531% | 798 |
| Assets per employee ($millions) | 5.5120% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 5,087 |
| Loan loss allowance to noncurrent loans | 193.2619% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 3,387 |
| Noncurrent loans to loans | 0.3871% | 3,639 |
| Net loans and leases to total assets | 75.9281% | 1,552 |
| Net loans and leases to deposits | 94.8578% | 1,190 |
| Net loans and leases to core deposits | 106.3671% | 1,203 |
| Total domestic deposits to total assets | 80.0441% | 4,399 |
| Equity capital to assets | 8.8724% | 5,018 |
| Core capital (leverage) ratio | 8.9487% | 4,780 |
| Tier 1 risk-based capital ratio | 13.6652% | 3,611 |
| Total risk-based capital ratio | 14.5757% | 3,704 |
| Memoranda: | ||
| Average total assets | $219,522,000 | 2,775 |
| Average earning assets | $205,711,330 | 2,747 |
| Average equity | $19,312,000 | 3,242 |
| Average total loans | $167,685,000 | 2,468 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7166% | 4,063 |
| Cost of funding earning assets | 0.7445% | 674 |
| Net interest margin | 2.9721% | 4,955 |
| Noninterest income to average assets | 0.5077% | 2,923 |
| Noninterest expense to average assets | 2.8433% | 2,642 |
| Loan and lease loss provision to assets | 0.0091% | 3,442 |
| Net operating income to assets | 0.3305% | 5,128 |
| Return on assets (ROA) | 0.3305% | 5,152 |
| Pretax return on assets | 0.4401% | 5,076 |
| Return on Equity (ROE) | 3.7734% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.7734% | 3,562 |
| Net charge-offs to loans | 0.0096% | 2,640 |
| Credit loss provision to net charge-offs | 125.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 794 |
| Efficiency ratio | 86.3561% | 778 |
| Assets per employee ($millions) | 5.5690% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 5,217 |
| Loan loss allowance to noncurrent loans | 124.8008% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,917 |
| Noncurrent loans to loans | 0.5959% | 3,029 |
| Net loans and leases to total assets | 75.0747% | 1,566 |
| Net loans and leases to deposits | 94.5242% | 1,063 |
| Net loans and leases to core deposits | 106.2214% | 1,084 |
| Total domestic deposits to total assets | 79.4239% | 4,735 |
| Equity capital to assets | 8.6547% | 5,104 |
| Core capital (leverage) ratio | 8.9326% | 4,813 |
| Tier 1 risk-based capital ratio | 13.3111% | 3,880 |
| Total risk-based capital ratio | 14.2008% | 4,004 |
| Memoranda: | ||
| Average total assets | $219,042,500 | 2,800 |
| Average earning assets | $205,239,000 | 2,772 |
| Average equity | $19,187,000 | 3,270 |
| Average total loans | $167,193,000 | 2,487 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 3,867 |
| Cost of funding earning assets | 0.7695% | 581 |
| Net interest margin | 3.0416% | 4,872 |
| Noninterest income to average assets | 0.5257% | 3,052 |
| Noninterest expense to average assets | 2.8690% | 2,784 |
| Loan and lease loss provision to assets | 0.0306% | 3,740 |
| Net operating income to assets | 0.3583% | 5,059 |
| Return on assets (ROA) | 0.3583% | 5,147 |
| Pretax return on assets | 0.4738% | 5,084 |
| Return on Equity (ROE) | 3.9867% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.9867% | 3,082 |
| Net charge-offs to loans | -0.0075% | 4,875 |
| Credit loss provision to net charge-offs | -541.6667% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0454% | 903 |
| Assets per employee ($millions) | 5.3832% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 5,229 |
| Loan loss allowance to noncurrent loans | 174.1307% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 3,388 |
| Noncurrent loans to loans | 0.4334% | 3,589 |
| Net loans and leases to total assets | 76.4632% | 1,439 |
| Net loans and leases to deposits | 97.3540% | 878 |
| Net loans and leases to core deposits | 109.9979% | 899 |
| Total domestic deposits to total assets | 78.5415% | 4,889 |
| Equity capital to assets | 8.8679% | 4,947 |
| Core capital (leverage) ratio | 8.9287% | 4,825 |
| Tier 1 risk-based capital ratio | 13.2253% | 3,937 |
| Total risk-based capital ratio | 14.1150% | 4,048 |
| Memoranda: | ||
| Average total assets | $212,094,400 | 2,840 |
| Average earning assets | $198,581,000 | 2,805 |
| Average equity | $19,063,400 | 3,265 |
| Average total loans | $160,341,000 | 2,517 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 3,904 |
| Cost of funding earning assets | 0.7687% | 581 |
| Net interest margin | 3.0366% | 4,936 |
| Noninterest income to average assets | 0.5124% | 3,168 |
| Noninterest expense to average assets | 2.8378% | 2,879 |
| Loan and lease loss provision to assets | 0.0303% | 3,631 |
| Net operating income to assets | 0.3641% | 5,133 |
| Return on assets (ROA) | 0.3641% | 5,216 |
| Pretax return on assets | 0.4884% | 5,149 |
| Return on Equity (ROE) | 4.0372% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.0372% | 3,427 |
| Net charge-offs to loans | -0.0143% | 4,897 |
| Credit loss provision to net charge-offs | -282.3529% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5460% | 945 |
| Assets per employee ($millions) | 5.2114% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 5,299 |
| Loan loss allowance to noncurrent loans | 122.1675% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 3,534 |
| Noncurrent loans to loans | 0.6234% | 3,145 |
| Net loans and leases to total assets | 75.6204% | 1,592 |
| Net loans and leases to deposits | 96.6161% | 987 |
| Net loans and leases to core deposits | 108.3059% | 1,029 |
| Total domestic deposits to total assets | 78.2689% | 4,861 |
| Equity capital to assets | 8.9228% | 5,231 |
| Core capital (leverage) ratio | 8.8651% | 4,987 |
| Tier 1 risk-based capital ratio | 13.1058% | 4,096 |
| Total risk-based capital ratio | 13.9877% | 4,228 |
| Memoranda: | ||
| Average total assets | $211,286,250 | 2,853 |
| Average earning assets | $197,893,500 | 2,821 |
| Average equity | $19,055,500 | 3,286 |
| Average total loans | $158,951,750 | 2,534 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 3,871 |
| Cost of funding earning assets | 0.7702% | 568 |
| Net interest margin | 3.0555% | 4,965 |
| Noninterest income to average assets | 0.4998% | 3,194 |
| Noninterest expense to average assets | 2.8400% | 2,878 |
| Loan and lease loss provision to assets | 0.0190% | 3,756 |
| Net operating income to assets | 0.3744% | 5,109 |
| Return on assets (ROA) | 0.3744% | 5,196 |
| Pretax return on assets | 0.5017% | 5,123 |
| Return on Equity (ROE) | 4.1360% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.1360% | 3,273 |
| Net charge-offs to loans | -0.0216% | 4,979 |
| Credit loss provision to net charge-offs | -117.6471% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5066% | 1,005 |
| Assets per employee ($millions) | 5.3297% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 5,364 |
| Loan loss allowance to noncurrent loans | 118.9401% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,616 |
| Noncurrent loans to loans | 0.6422% | 3,152 |
| Net loans and leases to total assets | 73.8552% | 1,871 |
| Net loans and leases to deposits | 94.7073% | 1,217 |
| Net loans and leases to core deposits | 105.8595% | 1,189 |
| Total domestic deposits to total assets | 77.9826% | 5,007 |
| Equity capital to assets | 8.8890% | 5,321 |
| Core capital (leverage) ratio | 8.8455% | 5,005 |
| Tier 1 risk-based capital ratio | 13.0289% | 4,186 |
| Total risk-based capital ratio | 13.8918% | 4,325 |
| Memoranda: | ||
| Average total assets | $210,493,000 | 2,882 |
| Average earning assets | $197,087,000 | 2,853 |
| Average equity | $19,052,330 | 3,293 |
| Average total loans | $157,664,000 | 2,558 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 3,797 |
| Cost of funding earning assets | 0.7678% | 582 |
| Net interest margin | 3.0733% | 4,944 |
| Noninterest income to average assets | 0.4762% | 3,297 |
| Noninterest expense to average assets | 2.8784% | 2,781 |
| Loan and lease loss provision to assets | 0.0191% | 3,441 |
| Net operating income to assets | 0.3404% | 5,178 |
| Return on assets (ROA) | 0.3404% | 5,267 |
| Pretax return on assets | 0.4571% | 5,194 |
| Return on Equity (ROE) | 3.7271% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.7271% | 3,627 |
| Net charge-offs to loans | -0.0433% | 5,265 |
| Credit loss provision to net charge-offs | -58.8235% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8039% | 992 |
| Assets per employee ($millions) | 5.1040% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 5,463 |
| Loan loss allowance to noncurrent loans | 117.1540% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 3,641 |
| Noncurrent loans to loans | 0.6501% | 3,224 |
| Net loans and leases to total assets | 74.8490% | 1,587 |
| Net loans and leases to deposits | 96.8347% | 864 |
| Net loans and leases to core deposits | 106.5908% | 1,043 |
| Total domestic deposits to total assets | 77.2957% | 5,247 |
| Equity capital to assets | 9.1917% | 4,994 |
| Core capital (leverage) ratio | 8.8075% | 5,068 |
| Tier 1 risk-based capital ratio | 12.8600% | 4,350 |
| Total risk-based capital ratio | 13.7175% | 4,514 |
| Memoranda: | ||
| Average total assets | $209,146,500 | 2,904 |
| Average earning assets | $195,879,000 | 2,866 |
| Average equity | $19,103,500 | 3,290 |
| Average total loans | $157,165,500 | 2,563 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 4,227 |
| Cost of funding earning assets | 0.7492% | 643 |
| Net interest margin | 2.9918% | 5,157 |
| Noninterest income to average assets | 0.5675% | 2,914 |
| Noninterest expense to average assets | 2.8913% | 2,885 |
| Loan and lease loss provision to assets | 0.0634% | 3,030 |
| Net operating income to assets | 0.3180% | 5,303 |
| Return on assets (ROA) | 0.3289% | 5,361 |
| Pretax return on assets | 0.4232% | 5,278 |
| Return on Equity (ROE) | 3.5054% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.5054% | 3,569 |
| Net charge-offs to loans | 0.0014% | 4,431 |
| Credit loss provision to net charge-offs | 6,350.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 473.5000% | 140 |
| Efficiency ratio | 85.9496% | 995 |
| Assets per employee ($millions) | 5.0983% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 5,536 |
| Loan loss allowance to noncurrent loans | 112.0114% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 3,633 |
| Noncurrent loans to loans | 0.6703% | 3,183 |
| Net loans and leases to total assets | 74.3064% | 1,676 |
| Net loans and leases to deposits | 97.5053% | 858 |
| Net loans and leases to core deposits | 108.0516% | 970 |
| Total domestic deposits to total assets | 76.2076% | 5,421 |
| Equity capital to assets | 9.0763% | 5,042 |
| Core capital (leverage) ratio | 8.7976% | 5,111 |
| Tier 1 risk-based capital ratio | 12.6992% | 4,509 |
| Total risk-based capital ratio | 13.5347% | 4,668 |
| Memoranda: | ||
| Average total assets | $200,361,800 | 2,951 |
| Average earning assets | $187,277,200 | 2,920 |
| Average equity | $18,799,800 | 3,281 |
| Average total loans | $144,225,800 | 2,681 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 4,375 |
| Cost of funding earning assets | 0.7467% | 658 |
| Net interest margin | 2.9683% | 5,274 |
| Noninterest income to average assets | 0.5947% | 2,771 |
| Noninterest expense to average assets | 2.9223% | 2,773 |
| Loan and lease loss provision to assets | 0.0518% | 3,160 |
| Net operating income to assets | 0.3055% | 5,435 |
| Return on assets (ROA) | 0.3202% | 5,478 |
| Pretax return on assets | 0.4124% | 5,443 |
| Return on Equity (ROE) | 3.3836% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.3836% | 4,062 |
| Net charge-offs to loans | -0.0019% | 4,698 |
| Credit loss provision to net charge-offs | -3,850.0000% | 5,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7759% | 952 |
| Assets per employee ($millions) | 4.8750% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 5,624 |
| Loan loss allowance to noncurrent loans | 82.1689% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 3,244 |
| Noncurrent loans to loans | 0.9145% | 2,693 |
| Net loans and leases to total assets | 72.8242% | 1,933 |
| Net loans and leases to deposits | 95.4939% | 1,053 |
| Net loans and leases to core deposits | 106.0610% | 1,095 |
| Total domestic deposits to total assets | 76.2605% | 5,451 |
| Equity capital to assets | 9.2229% | 5,090 |
| Core capital (leverage) ratio | 8.9448% | 5,060 |
| Tier 1 risk-based capital ratio | 12.6746% | 4,628 |
| Total risk-based capital ratio | 13.4832% | 4,835 |
| Memoranda: | ||
| Average total assets | $198,195,000 | 2,992 |
| Average earning assets | $185,153,750 | 2,969 |
| Average equity | $18,756,750 | 3,313 |
| Average total loans | $141,158,000 | 2,730 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 4,441 |
| Cost of funding earning assets | 0.7499% | 648 |
| Net interest margin | 2.9383% | 5,367 |
| Noninterest income to average assets | 0.6153% | 2,651 |
| Noninterest expense to average assets | 2.9509% | 2,715 |
| Loan and lease loss provision to assets | 0.0429% | 3,250 |
| Net operating income to assets | 0.2866% | 5,479 |
| Return on assets (ROA) | 0.3092% | 5,514 |
| Pretax return on assets | 0.3928% | 5,479 |
| Return on Equity (ROE) | 3.2382% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.2382% | 3,987 |
| Net charge-offs to loans | -0.0029% | 4,640 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8760% | 915 |
| Assets per employee ($millions) | 4.6437% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 5,696 |
| Loan loss allowance to noncurrent loans | 88.0837% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 3,286 |
| Noncurrent loans to loans | 0.8623% | 2,972 |
| Net loans and leases to total assets | 71.5807% | 2,058 |
| Net loans and leases to deposits | 93.3074% | 1,218 |
| Net loans and leases to core deposits | 103.9906% | 1,190 |
| Total domestic deposits to total assets | 76.7149% | 5,495 |
| Equity capital to assets | 9.3524% | 4,839 |
| Core capital (leverage) ratio | 9.0857% | 4,844 |
| Tier 1 risk-based capital ratio | 12.7901% | 4,628 |
| Total risk-based capital ratio | 13.5896% | 4,813 |
| Memoranda: | ||
| Average total assets | $196,009,330 | 3,035 |
| Average earning assets | $182,965,670 | 3,018 |
| Average equity | $18,714,330 | 3,338 |
| Average total loans | $138,131,330 | 2,770 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,479 |
| Cost of funding earning assets | 0.7550% | 637 |
| Net interest margin | 2.9119% | 5,427 |
| Noninterest income to average assets | 0.5438% | 2,995 |
| Noninterest expense to average assets | 3.0200% | 2,516 |
| Loan and lease loss provision to assets | 0.0350% | 3,205 |
| Net operating income to assets | 0.2045% | 5,675 |
| Return on assets (ROA) | 0.2616% | 5,623 |
| Pretax return on assets | 0.2637% | 5,724 |
| Return on Equity (ROE) | 2.7116% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.7116% | 4,322 |
| Net charge-offs to loans | -0.0030% | 4,391 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6090% | 676 |
| Assets per employee ($millions) | 4.7377% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 5,733 |
| Loan loss allowance to noncurrent loans | 99.5340% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 3,362 |
| Noncurrent loans to loans | 0.7869% | 3,288 |
| Net loans and leases to total assets | 69.6531% | 2,186 |
| Net loans and leases to deposits | 88.6240% | 1,547 |
| Net loans and leases to core deposits | 98.5498% | 1,425 |
| Total domestic deposits to total assets | 78.5939% | 5,342 |
| Equity capital to assets | 9.6847% | 4,529 |
| Core capital (leverage) ratio | 9.2142% | 4,691 |
| Tier 1 risk-based capital ratio | 12.9592% | 4,624 |
| Total risk-based capital ratio | 13.7521% | 4,810 |
| Memoranda: | ||
| Average total assets | $194,173,500 | 3,068 |
| Average earning assets | $181,187,000 | 3,054 |
| Average equity | $18,734,000 | 3,365 |
| Average total loans | $135,183,500 | 2,825 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5683% | 5,172 |
| Cost of funding earning assets | 0.8142% | 603 |
| Net interest margin | 2.7541% | 5,870 |
| Noninterest income to average assets | 0.5974% | 2,874 |
| Noninterest expense to average assets | 2.9531% | 2,988 |
| Loan and lease loss provision to assets | 0.0442% | 3,686 |
| Net operating income to assets | 0.1913% | 5,784 |
| Return on assets (ROA) | 0.2085% | 5,810 |
| Pretax return on assets | 0.1882% | 5,890 |
| Return on Equity (ROE) | 2.1722% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.1722% | 4,693 |
| Net charge-offs to loans | 0.0913% | 3,198 |
| Credit loss provision to net charge-offs | 72.0339% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.5085% | 3,875 |
| Efficiency ratio | 93.2064% | 637 |
| Assets per employee ($millions) | 4.7342% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 5,817 |
| Loan loss allowance to noncurrent loans | 97.4026% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 3,683 |
| Noncurrent loans to loans | 0.8045% | 3,298 |
| Net loans and leases to total assets | 68.4956% | 2,492 |
| Net loans and leases to deposits | 89.7348% | 1,542 |
| Net loans and leases to core deposits | 98.6174% | 1,500 |
| Total domestic deposits to total assets | 76.3311% | 5,685 |
| Equity capital to assets | 9.6114% | 4,573 |
| Core capital (leverage) ratio | 9.1215% | 4,792 |
| Tier 1 risk-based capital ratio | 13.0150% | 4,724 |
| Total risk-based capital ratio | 13.8128% | 4,913 |
| Memoranda: | ||
| Average total assets | $192,338,200 | 3,083 |
| Average earning assets | $179,552,400 | 3,052 |
| Average equity | $18,460,600 | 3,348 |
| Average total loans | $129,283,800 | 2,883 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 5,223 |
| Cost of funding earning assets | 0.8254% | 606 |
| Net interest margin | 2.7412% | 5,953 |
| Noninterest income to average assets | 0.6031% | 2,851 |
| Noninterest expense to average assets | 2.9571% | 2,942 |
| Loan and lease loss provision to assets | 0.0417% | 3,567 |
| Net operating income to assets | 0.1959% | 5,856 |
| Return on assets (ROA) | 0.1959% | 5,908 |
| Pretax return on assets | 0.1633% | 5,995 |
| Return on Equity (ROE) | 2.0421% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.0421% | 5,031 |
| Net charge-offs to loans | 0.1197% | 2,616 |
| Credit loss provision to net charge-offs | 52.1739% | 3,069 |
| Earnings coverage of net charge-offs (x) | 2.5652% | 3,882 |
| Efficiency ratio | 93.5179% | 625 |
| Assets per employee ($millions) | 4.5737% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 5,899 |
| Loan loss allowance to noncurrent loans | 85.6667% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 3,714 |
| Noncurrent loans to loans | 0.9207% | 3,262 |
| Net loans and leases to total assets | 67.3174% | 2,642 |
| Net loans and leases to deposits | 86.2691% | 1,879 |
| Net loans and leases to core deposits | 94.3361% | 1,826 |
| Total domestic deposits to total assets | 78.0318% | 5,526 |
| Equity capital to assets | 9.6660% | 4,591 |
| Core capital (leverage) ratio | 9.1136% | 4,911 |
| Tier 1 risk-based capital ratio | 13.2679% | 4,684 |
| Total risk-based capital ratio | 14.0743% | 4,878 |
| Memoranda: | ||
| Average total assets | $191,897,000 | 3,105 |
| Average earning assets | $179,136,250 | 3,075 |
| Average equity | $18,411,750 | 3,376 |
| Average total loans | $128,104,250 | 2,914 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 5,206 |
| Cost of funding earning assets | 0.8277% | 618 |
| Net interest margin | 2.7511% | 5,986 |
| Noninterest income to average assets | 0.5911% | 2,858 |
| Noninterest expense to average assets | 2.9620% | 2,959 |
| Loan and lease loss provision to assets | 0.0521% | 3,261 |
| Net operating income to assets | 0.1970% | 5,846 |
| Return on assets (ROA) | 0.1970% | 5,901 |
| Pretax return on assets | 0.1449% | 6,031 |
| Return on Equity (ROE) | 2.0589% | 5,824 |
| Retained earnings to average equity (ytd only) | 2.0589% | 4,862 |
| Net charge-offs to loans | 0.1806% | 1,954 |
| Credit loss provision to net charge-offs | 43.4783% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.6435% | 3,750 |
| Efficiency ratio | 93.7624% | 655 |
| Assets per employee ($millions) | 4.5958% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 6,018 |
| Loan loss allowance to noncurrent loans | 75.0184% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 3,873 |
| Noncurrent loans to loans | 1.0446% | 3,142 |
| Net loans and leases to total assets | 66.7743% | 2,623 |
| Net loans and leases to deposits | 86.3323% | 1,788 |
| Net loans and leases to core deposits | 95.8917% | 1,611 |
| Total domestic deposits to total assets | 77.3456% | 5,751 |
| Equity capital to assets | 9.6005% | 4,623 |
| Core capital (leverage) ratio | 9.0859% | 4,891 |
| Tier 1 risk-based capital ratio | 13.3580% | 4,683 |
| Total risk-based capital ratio | 14.1628% | 4,907 |
| Memoranda: | ||
| Average total assets | $191,830,670 | 3,125 |
| Average earning assets | $179,057,670 | 3,092 |
| Average equity | $18,359,670 | 3,384 |
| Average total loans | $127,358,330 | 2,916 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 5,230 |
| Cost of funding earning assets | 0.8314% | 635 |
| Net interest margin | 2.7475% | 6,034 |
| Noninterest income to average assets | 0.5564% | 3,007 |
| Noninterest expense to average assets | 3.0287% | 2,774 |
| Loan and lease loss provision to assets | 0.0502% | 3,094 |
| Net operating income to assets | 0.1067% | 6,015 |
| Return on assets (ROA) | 0.1067% | 6,046 |
| Pretax return on assets | 0.0418% | 6,164 |
| Return on Equity (ROE) | 1.1163% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.1163% | 5,159 |
| Net charge-offs to loans | 0.0190% | 3,206 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,124 |
| Efficiency ratio | 97.0509% | 591 |
| Assets per employee ($millions) | 4.5551% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 5,970 |
| Loan loss allowance to noncurrent loans | 49.6841% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 2,944 |
| Noncurrent loans to loans | 1.7394% | 2,227 |
| Net loans and leases to total assets | 66.0150% | 2,562 |
| Net loans and leases to deposits | 84.6505% | 1,756 |
| Net loans and leases to core deposits | 94.4446% | 1,520 |
| Total domestic deposits to total assets | 77.9854% | 5,839 |
| Equity capital to assets | 9.5947% | 4,360 |
| Core capital (leverage) ratio | 9.1337% | 4,819 |
| Tier 1 risk-based capital ratio | 13.5987% | 4,607 |
| Total risk-based capital ratio | 14.4765% | 4,810 |
| Memoranda: | ||
| Average total assets | $191,235,000 | 3,149 |
| Average earning assets | $178,490,000 | 3,117 |
| Average equity | $18,274,000 | 3,387 |
| Average total loans | $126,084,000 | 2,944 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 5,253 |
| Cost of funding earning assets | 0.8697% | 864 |
| Net interest margin | 2.7879% | 6,001 |
| Noninterest income to average assets | 0.6866% | 2,618 |
| Noninterest expense to average assets | 3.0445% | 2,917 |
| Loan and lease loss provision to assets | 0.1087% | 2,985 |
| Net operating income to assets | 0.1789% | 5,877 |
| Return on assets (ROA) | 0.2380% | 5,786 |
| Pretax return on assets | 0.1926% | 5,955 |
| Return on Equity (ROE) | 2.4995% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.4995% | 4,477 |
| Net charge-offs to loans | 0.0337% | 4,765 |
| Credit loss provision to net charge-offs | 502.4390% | 458 |
| Earnings coverage of net charge-offs (x) | 11.1951% | 2,267 |
| Efficiency ratio | 92.6301% | 833 |
| Assets per employee ($millions) | 4.4455% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 6,015 |
| Loan loss allowance to noncurrent loans | 61.1864% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 3,588 |
| Noncurrent loans to loans | 1.4186% | 2,763 |
| Net loans and leases to total assets | 64.7053% | 2,919 |
| Net loans and leases to deposits | 83.8671% | 1,955 |
| Net loans and leases to core deposits | 92.9740% | 1,676 |
| Total domestic deposits to total assets | 77.1522% | 5,945 |
| Equity capital to assets | 9.5168% | 4,405 |
| Core capital (leverage) ratio | 9.0172% | 4,970 |
| Tier 1 risk-based capital ratio | 13.4411% | 4,691 |
| Total risk-based capital ratio | 14.3038% | 4,886 |
| Memoranda: | ||
| Average total assets | $189,492,000 | 3,169 |
| Average earning assets | $176,725,400 | 3,119 |
| Average equity | $18,043,800 | 3,413 |
| Average total loans | $121,574,400 | 3,007 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 5,326 |
| Cost of funding earning assets | 0.8687% | 955 |
| Net interest margin | 2.7731% | 6,057 |
| Noninterest income to average assets | 0.7376% | 2,425 |
| Noninterest expense to average assets | 3.0379% | 2,864 |
| Loan and lease loss provision to assets | 0.1276% | 2,697 |
| Net operating income to assets | 0.2031% | 5,906 |
| Return on assets (ROA) | 0.2729% | 5,803 |
| Pretax return on assets | 0.2285% | 5,995 |
| Return on Equity (ROE) | 2.8655% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.8655% | 4,611 |
| Net charge-offs to loans | 0.0331% | 4,471 |
| Credit loss provision to net charge-offs | 603.3333% | 468 |
| Earnings coverage of net charge-offs (x) | 13.5330% | 2,023 |
| Efficiency ratio | 91.3874% | 889 |
| Assets per employee ($millions) | 4.4510% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 6,150 |
| Loan loss allowance to noncurrent loans | 103.3849% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 4,830 |
| Noncurrent loans to loans | 0.8333% | 4,166 |
| Net loans and leases to total assets | 64.2742% | 2,957 |
| Net loans and leases to deposits | 82.3515% | 2,094 |
| Net loans and leases to core deposits | 90.6034% | 1,914 |
| Total domestic deposits to total assets | 78.0486% | 5,890 |
| Equity capital to assets | 9.5213% | 4,524 |
| Core capital (leverage) ratio | 9.2954% | 4,700 |
| Tier 1 risk-based capital ratio | 13.4181% | 4,819 |
| Total risk-based capital ratio | 14.2583% | 5,071 |
| Memoranda: | ||
| Average total assets | $189,076,000 | 3,202 |
| Average earning assets | $176,353,250 | 3,153 |
| Average equity | $18,006,750 | 3,457 |
| Average total loans | $120,775,250 | 3,046 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 5,190 |
| Cost of funding earning assets | 0.8785% | 993 |
| Net interest margin | 2.8063% | 5,990 |
| Noninterest income to average assets | 0.7275% | 2,515 |
| Noninterest expense to average assets | 3.0376% | 2,882 |
| Loan and lease loss provision to assets | 0.1232% | 2,780 |
| Net operating income to assets | 0.2060% | 5,872 |
| Return on assets (ROA) | 0.2836% | 5,791 |
| Pretax return on assets | 0.2602% | 5,981 |
| Return on Equity (ROE) | 2.9775% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.9775% | 4,423 |
| Net charge-offs to loans | 0.0100% | 4,679 |
| Credit loss provision to net charge-offs | 1,933.3333% | 164 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 825 |
| Efficiency ratio | 90.8513% | 993 |
| Assets per employee ($millions) | 4.3712% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,241 |
| Loan loss allowance to noncurrent loans | 71.7877% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 4,314 |
| Noncurrent loans to loans | 1.1933% | 3,565 |
| Net loans and leases to total assets | 63.3007% | 3,047 |
| Net loans and leases to deposits | 82.0659% | 2,052 |
| Net loans and leases to core deposits | 87.5497% | 2,166 |
| Total domestic deposits to total assets | 77.1340% | 6,107 |
| Equity capital to assets | 9.6223% | 4,420 |
| Core capital (leverage) ratio | 9.2121% | 4,681 |
| Tier 1 risk-based capital ratio | 13.7055% | 4,641 |
| Total risk-based capital ratio | 14.5445% | 4,867 |
| Memoranda: | ||
| Average total assets | $188,304,330 | 3,221 |
| Average earning assets | $175,531,000 | 3,181 |
| Average equity | $17,934,670 | 3,496 |
| Average total loans | $119,672,330 | 3,075 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 5,020 |
| Cost of funding earning assets | 0.8906% | 1,036 |
| Net interest margin | 2.8494% | 5,916 |
| Noninterest income to average assets | 0.6558% | 2,846 |
| Noninterest expense to average assets | 3.0985% | 2,679 |
| Loan and lease loss provision to assets | 0.1507% | 2,358 |
| Net operating income to assets | 0.0955% | 6,158 |
| Return on assets (ROA) | 0.2398% | 5,887 |
| Pretax return on assets | 0.2059% | 6,066 |
| Return on Equity (ROE) | 2.5309% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.5309% | 4,757 |
| Net charge-offs to loans | 0.0067% | 4,021 |
| Credit loss provision to net charge-offs | 3,550.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 676 |
| Efficiency ratio | 93.5897% | 863 |
| Assets per employee ($millions) | 4.7133% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 6,417 |
| Loan loss allowance to noncurrent loans | 68.5893% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 4,468 |
| Noncurrent loans to loans | 1.1995% | 3,768 |
| Net loans and leases to total assets | 63.1088% | 2,872 |
| Net loans and leases to deposits | 81.5288% | 1,893 |
| Net loans and leases to core deposits | 87.7730% | 1,931 |
| Total domestic deposits to total assets | 77.4068% | 6,205 |
| Equity capital to assets | 9.4616% | 4,903 |
| Core capital (leverage) ratio | 9.2350% | 4,503 |
| Tier 1 risk-based capital ratio | 14.1635% | 4,387 |
| Total risk-based capital ratio | 14.9872% | 4,662 |
| Memoranda: | ||
| Average total assets | $188,476,500 | 3,242 |
| Average earning assets | $175,613,000 | 3,203 |
| Average equity | $17,859,000 | 3,545 |
| Average total loans | $119,504,500 | 3,096 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 5,866 |
| Cost of funding earning assets | 1.0688% | 1,029 |
| Net interest margin | 2.7162% | 6,494 |
| Noninterest income to average assets | 1.0368% | 1,442 |
| Noninterest expense to average assets | 3.1158% | 2,877 |
| Loan and lease loss provision to assets | 0.1554% | 3,669 |
| Net operating income to assets | 0.3092% | 5,436 |
| Return on assets (ROA) | 0.3241% | 5,597 |
| Pretax return on assets | 0.3140% | 5,795 |
| Return on Equity (ROE) | 3.4550% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.4550% | 3,795 |
| Net charge-offs to loans | 0.4129% | 2,596 |
| Credit loss provision to net charge-offs | 63.7555% | 4,348 |
| Earnings coverage of net charge-offs (x) | 1.8646% | 4,498 |
| Efficiency ratio | 87.2689% | 1,302 |
| Assets per employee ($millions) | 4.5957% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 6,540 |
| Loan loss allowance to noncurrent loans | 63.4416% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 4,543 |
| Noncurrent loans to loans | 1.2155% | 3,819 |
| Net loans and leases to total assets | 62.6914% | 3,121 |
| Net loans and leases to deposits | 81.8669% | 2,015 |
| Net loans and leases to core deposits | 88.4712% | 2,034 |
| Total domestic deposits to total assets | 76.5772% | 6,277 |
| Equity capital to assets | 9.4893% | 4,891 |
| Core capital (leverage) ratio | 9.1456% | 4,666 |
| Tier 1 risk-based capital ratio | 14.3526% | 4,122 |
| Total risk-based capital ratio | 15.1359% | 4,424 |
| Memoranda: | ||
| Average total assets | $187,881,000 | 3,198 |
| Average earning assets | $175,244,800 | 3,159 |
| Average equity | $17,626,400 | 3,518 |
| Average total loans | $110,926,800 | 3,279 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 6,025 |
| Cost of funding earning assets | 1.0806% | 1,140 |
| Net interest margin | 2.7205% | 6,619 |
| Noninterest income to average assets | 0.9445% | 1,687 |
| Noninterest expense to average assets | 2.9543% | 3,392 |
| Loan and lease loss provision to assets | 0.1704% | 3,423 |
| Net operating income to assets | 0.3263% | 5,518 |
| Return on assets (ROA) | 0.3444% | 5,659 |
| Pretax return on assets | 0.3785% | 5,768 |
| Return on Equity (ROE) | 3.6819% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.6819% | 4,296 |
| Net charge-offs to loans | 0.1690% | 3,765 |
| Credit loss provision to net charge-offs | 173.9130% | 1,602 |
| Earnings coverage of net charge-offs (x) | 5.3984% | 3,039 |
| Efficiency ratio | 84.8114% | 1,492 |
| Assets per employee ($millions) | 4.3176% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 5,925 |
| Loan loss allowance to noncurrent loans | 54.0812% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 3,888 |
| Noncurrent loans to loans | 1.9291% | 2,928 |
| Net loans and leases to total assets | 59.2165% | 3,928 |
| Net loans and leases to deposits | 75.9344% | 2,989 |
| Net loans and leases to core deposits | 82.9751% | 2,827 |
| Total domestic deposits to total assets | 77.9838% | 6,081 |
| Equity capital to assets | 9.3992% | 5,336 |
| Core capital (leverage) ratio | 9.0971% | 4,918 |
| Tier 1 risk-based capital ratio | 14.9431% | 3,889 |
| Total risk-based capital ratio | 15.9888% | 3,981 |
| Memoranda: | ||
| Average total assets | $187,745,500 | 3,235 |
| Average earning assets | $175,208,500 | 3,194 |
| Average equity | $17,563,000 | 3,560 |
| Average total loans | $108,897,750 | 3,346 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 6,085 |
| Cost of funding earning assets | 1.0850% | 1,288 |
| Net interest margin | 2.7383% | 6,666 |
| Noninterest income to average assets | 0.9187% | 1,717 |
| Noninterest expense to average assets | 2.9647% | 3,392 |
| Loan and lease loss provision to assets | 0.1508% | 3,642 |
| Net operating income to assets | 0.3395% | 5,468 |
| Return on assets (ROA) | 0.3679% | 5,574 |
| Pretax return on assets | 0.3893% | 5,730 |
| Return on Equity (ROE) | 3.9392% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.9392% | 3,996 |
| Net charge-offs to loans | 0.0671% | 4,490 |
| Credit loss provision to net charge-offs | 391.6667% | 753 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,808 |
| Efficiency ratio | 85.3186% | 1,495 |
| Assets per employee ($millions) | 4.3089% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,814 |
| Loan loss allowance to noncurrent loans | 58.6003% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 4,246 |
| Noncurrent loans to loans | 1.8635% | 3,132 |
| Net loans and leases to total assets | 56.8028% | 4,353 |
| Net loans and leases to deposits | 72.6468% | 3,509 |
| Net loans and leases to core deposits | 79.5311% | 3,283 |
| Total domestic deposits to total assets | 78.1904% | 6,120 |
| Equity capital to assets | 9.2162% | 5,443 |
| Core capital (leverage) ratio | 9.0236% | 4,877 |
| Tier 1 risk-based capital ratio | 15.6644% | 3,354 |
| Total risk-based capital ratio | 16.7751% | 3,390 |
| Memoranda: | ||
| Average total assets | $187,002,670 | 3,250 |
| Average earning assets | $174,558,670 | 3,210 |
| Average equity | $17,465,330 | 3,573 |
| Average total loans | $107,303,000 | 3,393 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9056% | 6,002 |
| Cost of funding earning assets | 1.0859% | 1,470 |
| Net interest margin | 2.8197% | 6,606 |
| Noninterest income to average assets | 0.9111% | 1,701 |
| Noninterest expense to average assets | 2.8367% | 3,873 |
| Loan and lease loss provision to assets | 0.2154% | 2,790 |
| Net operating income to assets | 0.3942% | 5,280 |
| Return on assets (ROA) | 0.3942% | 5,469 |
| Pretax return on assets | 0.4932% | 5,449 |
| Return on Equity (ROE) | 4.1921% | 5,202 |
| Retained earnings to average equity (ytd only) | 4.1921% | 4,073 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0122% | 2,202 |
| Assets per employee ($millions) | 4.3087% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,825 |
| Loan loss allowance to noncurrent loans | 63.8275% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9785% | 4,551 |
| Noncurrent loans to loans | 1.7605% | 3,468 |
| Net loans and leases to total assets | 54.9548% | 4,562 |
| Net loans and leases to deposits | 69.9952% | 3,736 |
| Net loans and leases to core deposits | 78.4071% | 3,273 |
| Total domestic deposits to total assets | 78.5123% | 6,184 |
| Equity capital to assets | 9.2835% | 5,111 |
| Core capital (leverage) ratio | 9.1340% | 4,631 |
| Tier 1 risk-based capital ratio | 14.8015% | 3,892 |
| Total risk-based capital ratio | 15.8576% | 3,975 |
| Memoranda: | ||
| Average total assets | $185,708,500 | 3,288 |
| Average earning assets | $173,493,000 | 3,243 |
| Average equity | $17,461,500 | 3,575 |
| Average total loans | $106,513,500 | 3,441 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 6,081 |
| Cost of funding earning assets | 1.1912% | 2,085 |
| Net interest margin | 2.9994% | 6,532 |
| Noninterest income to average assets | 0.6316% | 2,997 |
| Noninterest expense to average assets | 3.0788% | 3,276 |
| Loan and lease loss provision to assets | 0.2612% | 3,604 |
| Net operating income to assets | 0.1323% | 5,782 |
| Return on assets (ROA) | 0.1662% | 5,828 |
| Pretax return on assets | 0.1233% | 5,933 |
| Return on Equity (ROE) | 1.7288% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.7288% | 4,988 |
| Net charge-offs to loans | 0.7194% | 2,357 |
| Credit loss provision to net charge-offs | 61.1111% | 5,141 |
| Earnings coverage of net charge-offs (x) | 0.8201% | 5,186 |
| Efficiency ratio | 89.7774% | 1,209 |
| Assets per employee ($millions) | 4.2287% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,188 |
| Loan loss allowance to noncurrent loans | 40.8902% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4579% | 3,794 |
| Noncurrent loans to loans | 2.4624% | 2,671 |
| Net loans and leases to total assets | 58.6106% | 4,263 |
| Net loans and leases to deposits | 75.3120% | 3,291 |
| Net loans and leases to core deposits | 85.1733% | 2,730 |
| Total domestic deposits to total assets | 77.8237% | 6,228 |
| Equity capital to assets | 9.5268% | 4,841 |
| Core capital (leverage) ratio | 9.2440% | 4,402 |
| Tier 1 risk-based capital ratio | 15.4088% | 3,384 |
| Total risk-based capital ratio | 16.4326% | 3,489 |
| Memoranda: | ||
| Average total assets | $176,855,400 | 3,382 |
| Average earning assets | $164,964,000 | 3,321 |
| Average equity | $17,005,600 | 3,576 |
| Average total loans | $105,083,600 | 3,499 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 6,125 |
| Cost of funding earning assets | 1.2064% | 2,280 |
| Net interest margin | 3.0282% | 6,524 |
| Noninterest income to average assets | 0.5664% | 3,399 |
| Noninterest expense to average assets | 3.1030% | 3,151 |
| Loan and lease loss provision to assets | 0.2179% | 3,832 |
| Net operating income to assets | 0.1382% | 5,866 |
| Return on assets (ROA) | 0.1389% | 5,992 |
| Pretax return on assets | 0.0706% | 6,139 |
| Return on Equity (ROE) | 1.4415% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.4415% | 5,426 |
| Net charge-offs to loans | 0.9153% | 1,752 |
| Credit loss provision to net charge-offs | 40.0279% | 5,239 |
| Earnings coverage of net charge-offs (x) | 0.5286% | 5,235 |
| Efficiency ratio | 91.5137% | 1,068 |
| Assets per employee ($millions) | 4.2342% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,668 |
| Loan loss allowance to noncurrent loans | 46.7917% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 4,553 |
| Noncurrent loans to loans | 1.8711% | 3,541 |
| Net loans and leases to total assets | 58.9503% | 4,332 |
| Net loans and leases to deposits | 75.6530% | 3,381 |
| Net loans and leases to core deposits | 85.1666% | 2,887 |
| Total domestic deposits to total assets | 77.9219% | 6,207 |
| Equity capital to assets | 9.4583% | 5,149 |
| Core capital (leverage) ratio | 9.3805% | 4,335 |
| Tier 1 risk-based capital ratio | 16.0522% | 3,093 |
| Total risk-based capital ratio | 17.0034% | 3,212 |
| Memoranda: | ||
| Average total assets | $175,610,750 | 3,420 |
| Average earning assets | $163,787,500 | 3,360 |
| Average equity | $16,926,250 | 3,602 |
| Average total loans | $104,440,000 | 3,535 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 6,082 |
| Cost of funding earning assets | 1.2310% | 2,375 |
| Net interest margin | 3.0485% | 6,508 |
| Noninterest income to average assets | 0.5604% | 3,399 |
| Noninterest expense to average assets | 3.1258% | 3,157 |
| Loan and lease loss provision to assets | 0.2790% | 3,146 |
| Net operating income to assets | 0.1007% | 6,016 |
| Return on assets (ROA) | 0.1015% | 6,092 |
| Pretax return on assets | -0.0023% | 6,271 |
| Return on Equity (ROE) | 1.0459% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.0459% | 5,445 |
| Net charge-offs to loans | 1.3862% | 1,094 |
| Credit loss provision to net charge-offs | 33.8462% | 4,929 |
| Earnings coverage of net charge-offs (x) | 0.3343% | 5,066 |
| Efficiency ratio | 91.8983% | 1,103 |
| Assets per employee ($millions) | 3.9455% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,764 |
| Loan loss allowance to noncurrent loans | 45.4774% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 4,327 |
| Noncurrent loans to loans | 1.8741% | 3,647 |
| Net loans and leases to total assets | 60.6430% | 4,159 |
| Net loans and leases to deposits | 78.7396% | 3,001 |
| Net loans and leases to core deposits | 85.6664% | 2,965 |
| Total domestic deposits to total assets | 77.0171% | 6,447 |
| Equity capital to assets | 9.7976% | 4,391 |
| Core capital (leverage) ratio | 9.4506% | 4,025 |
| Tier 1 risk-based capital ratio | 16.6811% | 2,655 |
| Total risk-based capital ratio | 17.6636% | 2,744 |
| Memoranda: | ||
| Average total assets | $173,457,000 | 3,475 |
| Average earning assets | $161,654,670 | 3,414 |
| Average equity | $16,828,000 | 3,605 |
| Average total loans | $103,160,000 | 3,602 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 6,179 |
| Cost of funding earning assets | 1.2389% | 2,577 |
| Net interest margin | 2.9996% | 6,575 |
| Noninterest income to average assets | 0.5744% | 3,343 |
| Noninterest expense to average assets | 3.1260% | 3,152 |
| Loan and lease loss provision to assets | 0.0831% | 4,960 |
| Net operating income to assets | 0.1869% | 5,828 |
| Return on assets (ROA) | 0.1869% | 5,888 |
| Pretax return on assets | 0.1638% | 6,021 |
| Return on Equity (ROE) | 1.9358% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.9358% | 4,964 |
| Net charge-offs to loans | 2.3139% | 518 |
| Credit loss provision to net charge-offs | 6.1224% | 4,420 |
| Earnings coverage of net charge-offs (x) | 0.1820% | 4,473 |
| Efficiency ratio | 92.6813% | 1,118 |
| Assets per employee ($millions) | 3.9644% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 6,893 |
| Loan loss allowance to noncurrent loans | 20.3951% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 2.3218% | 2,927 |
| Noncurrent loans to loans | 3.9723% | 1,836 |
| Net loans and leases to total assets | 57.9763% | 4,651 |
| Net loans and leases to deposits | 75.0085% | 3,584 |
| Net loans and leases to core deposits | 81.3735% | 3,546 |
| Total domestic deposits to total assets | 77.2930% | 6,486 |
| Equity capital to assets | 9.6397% | 4,267 |
| Core capital (leverage) ratio | 9.4798% | 3,846 |
| Tier 1 risk-based capital ratio | 17.4346% | 2,324 |
| Total risk-based capital ratio | 18.4046% | 2,393 |
| Memoranda: | ||
| Average total assets | $173,384,000 | 3,498 |
| Average earning assets | $161,756,500 | 3,429 |
| Average equity | $16,737,500 | 3,604 |
| Average total loans | $101,648,500 | 3,681 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 6,273 |
| Cost of funding earning assets | 1.4057% | 3,227 |
| Net interest margin | 3.1386% | 6,417 |
| Noninterest income to average assets | 0.7715% | 2,418 |
| Noninterest expense to average assets | 3.0119% | 3,804 |
| Loan and lease loss provision to assets | 0.5548% | 2,912 |
| Net operating income to assets | 0.2220% | 5,210 |
| Return on assets (ROA) | 0.3563% | 4,883 |
| Pretax return on assets | 0.2662% | 5,321 |
| Return on Equity (ROE) | 3.6600% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.6600% | 3,296 |
| Net charge-offs to loans | 0.5828% | 3,296 |
| Credit loss provision to net charge-offs | 160.4770% | 2,174 |
| Earnings coverage of net charge-offs (x) | 1.9864% | 4,246 |
| Efficiency ratio | 81.3376% | 2,244 |
| Assets per employee ($millions) | 4.1032% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,697 |
| Loan loss allowance to noncurrent loans | 35.2881% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 2.2660% | 3,008 |
| Noncurrent loans to loans | 3.8534% | 1,908 |
| Net loans and leases to total assets | 58.0051% | 5,023 |
| Net loans and leases to deposits | 75.1424% | 3,995 |
| Net loans and leases to core deposits | 82.9065% | 3,761 |
| Total domestic deposits to total assets | 77.1936% | 6,452 |
| Equity capital to assets | 9.6673% | 4,193 |
| Core capital (leverage) ratio | 9.4475% | 3,772 |
| Tier 1 risk-based capital ratio | 17.6471% | 2,111 |
| Total risk-based capital ratio | 18.9218% | 2,069 |
| Memoranda: | ||
| Average total assets | $169,793,600 | 3,541 |
| Average earning assets | $158,351,000 | 3,478 |
| Average equity | $16,530,200 | 3,669 |
| Average total loans | $100,724,200 | 3,772 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 6,263 |
| Cost of funding earning assets | 1.4410% | 3,324 |
| Net interest margin | 3.1871% | 6,385 |
| Noninterest income to average assets | 0.6306% | 3,251 |
| Noninterest expense to average assets | 2.9297% | 3,981 |
| Loan and lease loss provision to assets | 0.2877% | 4,273 |
| Net operating income to assets | 0.4099% | 4,706 |
| Return on assets (ROA) | 0.3728% | 5,057 |
| Pretax return on assets | 0.3484% | 5,373 |
| Return on Equity (ROE) | 3.8226% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,766 |
| Net charge-offs to loans | 0.7689% | 2,504 |
| Credit loss provision to net charge-offs | 62.9310% | 5,617 |
| Earnings coverage of net charge-offs (x) | 1.4724% | 4,626 |
| Efficiency ratio | 81.2732% | 2,156 |
| Assets per employee ($millions) | 4.0734% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 6,984 |
| Loan loss allowance to noncurrent loans | 32.9931% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 4,309 |
| Noncurrent loans to loans | 2.4494% | 3,177 |
| Net loans and leases to total assets | 57.9684% | 5,273 |
| Net loans and leases to deposits | 75.5514% | 4,254 |
| Net loans and leases to core deposits | 84.0009% | 3,935 |
| Total domestic deposits to total assets | 76.7271% | 6,543 |
| Equity capital to assets | 9.9823% | 4,175 |
| Core capital (leverage) ratio | 9.5964% | 3,770 |
| Tier 1 risk-based capital ratio | 18.2172% | 1,964 |
| Total risk-based capital ratio | 19.3077% | 1,971 |
| Memoranda: | ||
| Average total assets | $169,158,750 | 3,598 |
| Average earning assets | $157,759,250 | 3,537 |
| Average equity | $16,497,750 | 3,725 |
| Average total loans | $100,570,250 | 3,848 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 6,135 |
| Cost of funding earning assets | 1.4948% | 3,280 |
| Net interest margin | 3.2087% | 6,287 |
| Noninterest income to average assets | 0.5008% | 4,111 |
| Noninterest expense to average assets | 2.9255% | 3,981 |
| Loan and lease loss provision to assets | 0.2967% | 4,016 |
| Net operating income to assets | 0.3738% | 4,877 |
| Return on assets (ROA) | 0.3371% | 5,193 |
| Pretax return on assets | 0.2326% | 5,698 |
| Return on Equity (ROE) | 3.4837% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.4837% | 3,888 |
| Net charge-offs to loans | 1.1432% | 1,664 |
| Credit loss provision to net charge-offs | 43.4028% | 5,549 |
| Earnings coverage of net charge-offs (x) | 0.8281% | 4,945 |
| Efficiency ratio | 83.7865% | 1,942 |
| Assets per employee ($millions) | 4.1507% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 7,267 |
| Loan loss allowance to noncurrent loans | 42.7607% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 5,221 |
| Noncurrent loans to loans | 1.6197% | 4,278 |
| Net loans and leases to total assets | 58.7255% | 5,296 |
| Net loans and leases to deposits | 76.4153% | 4,254 |
| Net loans and leases to core deposits | 84.0650% | 4,133 |
| Total domestic deposits to total assets | 76.8504% | 6,540 |
| Equity capital to assets | 9.7632% | 4,323 |
| Core capital (leverage) ratio | 9.4537% | 3,889 |
| Tier 1 risk-based capital ratio | 16.7404% | 2,386 |
| Total risk-based capital ratio | 17.5687% | 2,494 |
| Memoranda: | ||
| Average total assets | $168,517,330 | 3,627 |
| Average earning assets | $157,072,670 | 3,571 |
| Average equity | $16,304,330 | 3,752 |
| Average total loans | $100,766,330 | 3,869 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 6,129 |
| Cost of funding earning assets | 1.5620% | 3,190 |
| Net interest margin | 3.1727% | 6,376 |
| Noninterest income to average assets | 0.3888% | 5,012 |
| Noninterest expense to average assets | 2.8744% | 4,168 |
| Loan and lease loss provision to assets | 0.5964% | 2,128 |
| Net operating income to assets | -0.0519% | 6,371 |
| Return on assets (ROA) | -0.0763% | 6,485 |
| Pretax return on assets | -0.1646% | 6,523 |
| Return on Equity (ROE) | -0.7926% | 6,499 |
| Retained earnings to average equity (ytd only) | -0.7926% | 6,009 |
| Net charge-offs to loans | 0.0040% | 5,567 |
| Credit loss provision to net charge-offs | 25,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 174 |
| Efficiency ratio | 85.9486% | 1,802 |
| Assets per employee ($millions) | 4.2662% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 5,267 |
| Loan loss allowance to noncurrent loans | 77.4194% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 5,230 |
| Noncurrent loans to loans | 1.6044% | 4,337 |
| Net loans and leases to total assets | 59.2647% | 5,247 |
| Net loans and leases to deposits | 77.1073% | 4,201 |
| Net loans and leases to core deposits | 83.4818% | 4,272 |
| Total domestic deposits to total assets | 76.8600% | 6,587 |
| Equity capital to assets | 9.5055% | 4,525 |
| Core capital (leverage) ratio | 9.4117% | 3,895 |
| Tier 1 risk-based capital ratio | 15.5884% | 2,836 |
| Total risk-based capital ratio | 16.9466% | 2,729 |
| Memoranda: | ||
| Average total assets | $167,686,000 | 3,702 |
| Average earning assets | $156,208,500 | 3,644 |
| Average equity | $16,149,000 | 3,807 |
| Average total loans | $100,831,500 | 3,933 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 5,982 |
| Cost of funding earning assets | 1.8571% | 3,695 |
| Net interest margin | 3.2677% | 5,866 |
| Noninterest income to average assets | 0.4284% | 4,982 |
| Noninterest expense to average assets | 2.9889% | 4,189 |
| Loan and lease loss provision to assets | 0.2891% | 5,117 |
| Net operating income to assets | 0.1469% | 5,055 |
| Return on assets (ROA) | 0.1132% | 5,226 |
| Pretax return on assets | 0.1393% | 5,142 |
| Return on Equity (ROE) | 1.1592% | 5,188 |
| Retained earnings to average equity (ytd only) | 1.1592% | 4,234 |
| Net charge-offs to loans | 0.0088% | 7,110 |
| Credit loss provision to net charge-offs | 5,166.6667% | 72 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 325 |
| Efficiency ratio | 86.4102% | 2,066 |
| Assets per employee ($millions) | 4.1181% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 6,215 |
| Loan loss allowance to noncurrent loans | 41.5347% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4952% | 4,139 |
| Noncurrent loans to loans | 2.4814% | 3,064 |
| Net loans and leases to total assets | 59.6355% | 5,390 |
| Net loans and leases to deposits | 78.4222% | 4,291 |
| Net loans and leases to core deposits | 99.0122% | 4,111 |
| Total domestic deposits to total assets | 76.0442% | 6,673 |
| Equity capital to assets | 9.7600% | 4,050 |
| Core capital (leverage) ratio | 9.7820% | 3,348 |
| Tier 1 risk-based capital ratio | 16.3019% | 2,394 |
| Total risk-based capital ratio | 17.4709% | 2,367 |
| Memoranda: | ||
| Average total assets | $160,827,000 | 3,754 |
| Average earning assets | $149,157,400 | 3,728 |
| Average equity | $15,700,600 | 3,922 |
| Average total loans | $101,939,600 | 3,898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 5,850 |
| Cost of funding earning assets | 1.9256% | 3,741 |
| Net interest margin | 3.2807% | 5,713 |
| Noninterest income to average assets | 0.4270% | 5,072 |
| Noninterest expense to average assets | 2.9643% | 4,188 |
| Loan and lease loss provision to assets | 0.1960% | 5,426 |
| Net operating income to assets | 0.1781% | 5,227 |
| Return on assets (ROA) | 0.0083% | 5,751 |
| Pretax return on assets | 0.0425% | 5,622 |
| Return on Equity (ROE) | 0.0854% | 5,750 |
| Retained earnings to average equity (ytd only) | 0.0854% | 5,169 |
| Net charge-offs to loans | 0.0065% | 6,869 |
| Credit loss provision to net charge-offs | 4,700.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 120.7361% | 309 |
| Efficiency ratio | 85.4738% | 2,127 |
| Assets per employee ($millions) | 4.0958% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 7,025 |
| Loan loss allowance to noncurrent loans | 54.8877% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 5,169 |
| Noncurrent loans to loans | 1.5129% | 4,387 |
| Net loans and leases to total assets | 62.1306% | 5,221 |
| Net loans and leases to deposits | 82.4061% | 3,938 |
| Net loans and leases to core deposits | 103.4352% | 4,002 |
| Total domestic deposits to total assets | 75.3957% | 6,697 |
| Equity capital to assets | 9.8513% | 4,282 |
| Core capital (leverage) ratio | 9.7213% | 3,618 |
| Tier 1 risk-based capital ratio | 16.4446% | 2,457 |
| Total risk-based capital ratio | 17.3855% | 2,518 |
| Memoranda: | ||
| Average total assets | $159,852,750 | 3,795 |
| Average earning assets | $148,176,250 | 3,758 |
| Average equity | $15,606,500 | 3,983 |
| Average total loans | $102,610,250 | 3,919 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 5,657 |
| Cost of funding earning assets | 2.0037% | 3,761 |
| Net interest margin | 3.2967% | 5,571 |
| Noninterest income to average assets | 0.3803% | 5,465 |
| Noninterest expense to average assets | 3.0233% | 3,998 |
| Loan and lease loss provision to assets | 0.2914% | 4,240 |
| Net operating income to assets | 0.0835% | 5,611 |
| Return on assets (ROA) | -0.1501% | 6,128 |
| Pretax return on assets | -0.2114% | 6,137 |
| Return on Equity (ROE) | -1.5421% | 6,153 |
| Retained earnings to average equity (ytd only) | -1.5421% | 5,631 |
| Net charge-offs to loans | 0.0058% | 6,522 |
| Credit loss provision to net charge-offs | 7,766.6667% | 64 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 350 |
| Efficiency ratio | 88.0831% | 2,010 |
| Assets per employee ($millions) | 3.8786% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 7,099 |
| Loan loss allowance to noncurrent loans | 56.0729% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 5,112 |
| Noncurrent loans to loans | 1.4572% | 4,308 |
| Net loans and leases to total assets | 63.4306% | 5,092 |
| Net loans and leases to deposits | 85.9175% | 3,568 |
| Net loans and leases to core deposits | 105.7938% | 3,859 |
| Total domestic deposits to total assets | 73.8274% | 6,974 |
| Equity capital to assets | 9.6956% | 4,356 |
| Core capital (leverage) ratio | 9.5546% | 3,804 |
| Tier 1 risk-based capital ratio | 15.5507% | 2,797 |
| Total risk-based capital ratio | 16.4156% | 2,890 |
| Memoranda: | ||
| Average total assets | $159,891,670 | 3,824 |
| Average earning assets | $148,026,000 | 3,780 |
| Average equity | $15,563,330 | 4,007 |
| Average total loans | $103,455,000 | 3,927 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 5,565 |
| Cost of funding earning assets | 2.1004% | 3,644 |
| Net interest margin | 3.2718% | 5,613 |
| Noninterest income to average assets | 0.3543% | 5,609 |
| Noninterest expense to average assets | 3.0039% | 3,751 |
| Loan and lease loss provision to assets | 0.3568% | 3,182 |
| Net operating income to assets | 0.1085% | 5,958 |
| Return on assets (ROA) | -0.0225% | 6,424 |
| Pretax return on assets | -0.1796% | 6,551 |
| Return on Equity (ROE) | -0.2302% | 6,435 |
| Retained earnings to average equity (ytd only) | -0.2302% | 5,698 |
| Net charge-offs to loans | 0.0038% | 5,664 |
| Credit loss provision to net charge-offs | 14,300.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 288 |
| Efficiency ratio | 88.7251% | 1,830 |
| Assets per employee ($millions) | 4.0038% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 7,391 |
| Loan loss allowance to noncurrent loans | 52.1770% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8892% | 4,971 |
| Noncurrent loans to loans | 1.3751% | 4,255 |
| Net loans and leases to total assets | 64.1961% | 4,952 |
| Net loans and leases to deposits | 86.9201% | 3,488 |
| Net loans and leases to core deposits | 107.7786% | 3,714 |
| Total domestic deposits to total assets | 73.8564% | 6,915 |
| Equity capital to assets | 9.7115% | 4,366 |
| Core capital (leverage) ratio | 9.4848% | 4,003 |
| Tier 1 risk-based capital ratio | 16.8069% | 2,400 |
| Total risk-based capital ratio | 17.6320% | 2,502 |
| Memoranda: | ||
| Average total assets | $160,327,000 | 3,828 |
| Average earning assets | $148,544,000 | 3,781 |
| Average equity | $15,636,000 | 4,015 |
| Average total loans | $104,333,000 | 3,926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 7,385 |
| Cost of funding earning assets | 2.4922% | 4,247 |
| Net interest margin | 2.9634% | 7,003 |
| Noninterest income to average assets | 0.3573% | 5,868 |
| Noninterest expense to average assets | 2.7170% | 5,192 |
| Loan and lease loss provision to assets | 0.0338% | 6,982 |
| Net operating income to assets | 0.3478% | 5,358 |
| Return on assets (ROA) | -0.5387% | 6,835 |
| Pretax return on assets | -0.5523% | 6,689 |
| Return on Equity (ROE) | -5.3267% | 6,895 |
| Retained earnings to average equity (ytd only) | -5.3267% | 6,564 |
| Net charge-offs to loans | 0.0976% | 5,349 |
| Credit loss provision to net charge-offs | 56.1224% | 6,276 |
| Earnings coverage of net charge-offs (x) | 6.4082% | 3,365 |
| Efficiency ratio | 87.5545% | 1,715 |
| Assets per employee ($millions) | 4.3379% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 7,723 |
| Loan loss allowance to noncurrent loans | 77.1502% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 5,754 |
| Noncurrent loans to loans | 0.7411% | 5,177 |
| Net loans and leases to total assets | 65.1149% | 5,032 |
| Net loans and leases to deposits | 91.6282% | 3,196 |
| Net loans and leases to core deposits | 115.6784% | 3,157 |
| Total domestic deposits to total assets | 71.0643% | 7,150 |
| Equity capital to assets | 9.7935% | 4,297 |
| Core capital (leverage) ratio | 9.5810% | 3,908 |
| Tier 1 risk-based capital ratio | 16.8772% | 2,347 |
| Total risk-based capital ratio | 17.5355% | 2,495 |
| Memoranda: | ||
| Average total assets | $162,603,600 | 3,674 |
| Average earning assets | $150,673,000 | 3,642 |
| Average equity | $16,445,600 | 3,833 |
| Average total loans | $100,374,000 | 3,935 |