Home > Bedford Federal Savings Bank > Performance and Condition Ratios
Bedford Federal 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 | 5.1667% | 1,729 |
| Cost of funding earning assets | 1.4490% | 2,079 |
| Net interest margin | 3.7177% | 1,725 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.7436% | 1,640 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8666% | 2,647 |
| Return on assets (ROA) | 0.8624% | 2,636 |
| Pretax return on assets | 1.1418% | 2,287 |
| Return on Equity (ROE) | 8.5900% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.5928% | 1,367 |
| Net charge-offs to loans | 0.0481% | 1,393 |
| Credit loss provision to net charge-offs | 219.1781% | 1,157 |
| Earnings coverage of net charge-offs (x) | 34.4384% | 1,546 |
| Efficiency ratio | 69.1950% | 1,990 |
| Assets per employee ($millions) | 7.4591% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 3,699 |
| Loan loss allowance to noncurrent loans | 127.2422% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 1,051 |
| Noncurrent loans to loans | 0.7102% | 1,097 |
| Net loans and leases to total assets | 74.3900% | 1,303 |
| Net loans and leases to deposits | 86.6385% | 1,565 |
| Net loans and leases to core deposits | 99.3317% | 1,464 |
| Total domestic deposits to total assets | 85.8700% | 2,062 |
| Equity capital to assets | 9.6898% | 2,208 |
| Core capital (leverage) ratio | 10.2303% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $205,822,000 | 2,947 |
| Average earning assets | $190,547,600 | 2,943 |
| Average equity | $20,656,800 | 2,802 |
| Average total loans | $151,621,600 | 2,660 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 2,062 |
| Cost of funding earning assets | 1.0937% | 2,291 |
| Net interest margin | 3.6759% | 1,862 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.6156% | 1,884 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.8527% | 2,917 |
| Return on assets (ROA) | 0.8439% | 2,954 |
| Pretax return on assets | 1.1107% | 2,615 |
| Return on Equity (ROE) | 8.2700% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.2687% | 1,884 |
| Net charge-offs to loans | 0.0778% | 804 |
| Credit loss provision to net charge-offs | 380.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 23.9818% | 1,662 |
| Efficiency ratio | 66.2401% | 2,202 |
| Assets per employee ($millions) | 8.0069% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,036 |
| Loan loss allowance to noncurrent loans | 73.8600% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 447 |
| Noncurrent loans to loans | 1.4628% | 466 |
| Net loans and leases to total assets | 66.8100% | 2,076 |
| Net loans and leases to deposits | 73.8753% | 2,507 |
| Net loans and leases to core deposits | 83.1387% | 2,263 |
| Total domestic deposits to total assets | 90.4400% | 803 |
| Equity capital to assets | 9.1850% | 2,385 |
| Core capital (leverage) ratio | 10.5873% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $197,890,333 | 3,016 |
| Average earning assets | $182,868,333 | 3,009 |
| Average equity | $20,196,667 | 2,850 |
| Average total loans | $141,384,333 | 2,754 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 1,925 |
| Cost of funding earning assets | 0.8315% | 2,592 |
| Net interest margin | 3.8373% | 1,606 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7758% | 1,496 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 0.6366% | 3,617 |
| Return on assets (ROA) | 0.6366% | 3,573 |
| Pretax return on assets | 0.8228% | 3,415 |
| Return on Equity (ROE) | 5.8800% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.8803% | 2,795 |
| Net charge-offs to loans | 0.1467% | 464 |
| Credit loss provision to net charge-offs | 308.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 10.6800% | 1,651 |
| Efficiency ratio | 70.5947% | 1,690 |
| Assets per employee ($millions) | 6.7416% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,005 |
| Loan loss allowance to noncurrent loans | 132.5815% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 625 |
| Noncurrent loans to loans | 0.8370% | 914 |
| Net loans and leases to total assets | 74.9200% | 1,086 |
| Net loans and leases to deposits | 88.2800% | 1,181 |
| Net loans and leases to core deposits | 96.5346% | 1,249 |
| Total domestic deposits to total assets | 84.8700% | 2,891 |
| Equity capital to assets | 10.6736% | 1,471 |
| Core capital (leverage) ratio | 11.5755% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,739,500 | 3,139 |
| Average earning assets | $169,809,000 | 3,146 |
| Average equity | $19,999,000 | 2,892 |
| Average total loans | $136,363,000 | 2,835 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 1,741 |
| Cost of funding earning assets | 0.4033% | 2,073 |
| Net interest margin | 3.5881% | 1,683 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.8818% | 1,154 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8808% | 3,046 |
| Return on assets (ROA) | 0.8808% | 2,983 |
| Pretax return on assets | 1.1590% | 2,573 |
| Return on Equity (ROE) | 8.1900% | 3,335 |
| Retained earnings to average equity (ytd only) | 8.1942% | 1,756 |
| Net charge-offs to loans | 0.1563% | 529 |
| Credit loss provision to net charge-offs | 41.2088% | 1,856 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 2,137 |
| Efficiency ratio | 70.5874% | 1,611 |
| Assets per employee ($millions) | 6.4541% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,322 |
| Loan loss allowance to noncurrent loans | 89.2150% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 539 |
| Noncurrent loans to loans | 1.1294% | 637 |
| Net loans and leases to total assets | 71.0500% | 1,520 |
| Net loans and leases to deposits | 80.2118% | 1,754 |
| Net loans and leases to core deposits | 86.0085% | 1,749 |
| Total domestic deposits to total assets | 88.5800% | 1,852 |
| Equity capital to assets | 10.9841% | 1,260 |
| Core capital (leverage) ratio | 10.9982% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $179,716,400 | 3,193 |
| Average earning assets | $165,628,800 | 3,198 |
| Average equity | $19,318,600 | 3,009 |
| Average total loans | $116,468,400 | 2,955 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 2,014 |
| Cost of funding earning assets | 0.3593% | 1,628 |
| Net interest margin | 3.3516% | 2,131 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.7065% | 1,457 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8217% | 3,166 |
| Return on assets (ROA) | 0.8217% | 3,130 |
| Pretax return on assets | 1.0810% | 2,773 |
| Return on Equity (ROE) | 7.6900% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.6861% | 2,119 |
| Net charge-offs to loans | 0.0648% | 840 |
| Credit loss provision to net charge-offs | 136.3636% | 1,160 |
| Earnings coverage of net charge-offs (x) | 27.8182% | 1,560 |
| Efficiency ratio | 70.4234% | 1,708 |
| Assets per employee ($millions) | 6.6265% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,565 |
| Loan loss allowance to noncurrent loans | 295.6701% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 1,732 |
| Noncurrent loans to loans | 0.4036% | 1,812 |
| Net loans and leases to total assets | 64.0000% | 2,086 |
| Net loans and leases to deposits | 71.7960% | 2,225 |
| Net loans and leases to core deposits | 77.0657% | 2,106 |
| Total domestic deposits to total assets | 89.1400% | 2,032 |
| Equity capital to assets | 10.3648% | 1,436 |
| Core capital (leverage) ratio | 10.8842% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $179,466,750 | 3,215 |
| Average earning assets | $165,488,000 | 3,221 |
| Average equity | $19,185,750 | 3,063 |
| Average total loans | $113,158,000 | 3,009 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5670% | 1,942 |
| Cost of funding earning assets | 0.3480% | 1,282 |
| Net interest margin | 3.2190% | 2,130 |
| Noninterest income to average assets | 0.6628% | 1,490 |
| Noninterest expense to average assets | 2.5518% | 1,771 |
| Loan and lease loss provision to assets | 0.0845% | 1,175 |
| Net operating income to assets | 0.7642% | 3,091 |
| Return on assets (ROA) | 0.7642% | 3,054 |
| Pretax return on assets | 0.9975% | 2,746 |
| Return on Equity (ROE) | 7.0733% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.0733% | 1,961 |
| Net charge-offs to loans | 0.0722% | 733 |
| Credit loss provision to net charge-offs | 187.5000% | 999 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,483 |
| Efficiency ratio | 70.2233% | 1,929 |
| Assets per employee ($millions) | 6.4858% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,414 |
| Loan loss allowance to noncurrent loans | 120.0497% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 758 |
| Noncurrent loans to loans | 1.0449% | 795 |
| Net loans and leases to total assets | 62.8073% | 2,035 |
| Net loans and leases to deposits | 70.5843% | 2,148 |
| Net loans and leases to core deposits | 75.9580% | 2,021 |
| Total domestic deposits to total assets | 88.9820% | 2,193 |
| Equity capital to assets | 10.5698% | 1,402 |
| Core capital (leverage) ratio | 11.0757% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,442,000 | 3,262 |
| Average earning assets | $163,778,667 | 3,281 |
| Average equity | $19,170,667 | 3,134 |
| Average total loans | $110,818,667 | 3,054 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4075% | 2,066 |
| Cost of funding earning assets | 0.3501% | 1,199 |
| Net interest margin | 3.0574% | 2,306 |
| Noninterest income to average assets | 0.6820% | 1,380 |
| Noninterest expense to average assets | 2.5000% | 1,880 |
| Loan and lease loss provision to assets | 0.1026% | 810 |
| Net operating income to assets | 0.6820% | 3,118 |
| Return on assets (ROA) | 0.6820% | 3,108 |
| Pretax return on assets | 0.9078% | 2,747 |
| Return on Equity (ROE) | 6.2427% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.2427% | 2,160 |
| Net charge-offs to loans | 0.0111% | 1,357 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 147.6667% | 540 |
| Efficiency ratio | 71.2151% | 2,077 |
| Assets per employee ($millions) | 6.3950% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,340 |
| Loan loss allowance to noncurrent loans | 209.4964% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 1,352 |
| Noncurrent loans to loans | 0.6227% | 1,506 |
| Net loans and leases to total assets | 61.5205% | 1,914 |
| Net loans and leases to deposits | 69.1274% | 2,043 |
| Net loans and leases to core deposits | 74.4452% | 1,904 |
| Total domestic deposits to total assets | 88.9958% | 2,084 |
| Equity capital to assets | 10.6630% | 1,510 |
| Core capital (leverage) ratio | 11.0941% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,361,500 | 3,301 |
| Average earning assets | $162,230,000 | 3,304 |
| Average equity | $19,158,500 | 3,223 |
| Average total loans | $108,473,500 | 3,081 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 2,327 |
| Cost of funding earning assets | 0.4486% | 1,210 |
| Net interest margin | 3.1730% | 2,676 |
| Noninterest income to average assets | 1.4388% | 541 |
| Noninterest expense to average assets | 2.8136% | 1,330 |
| Loan and lease loss provision to assets | 0.1068% | 1,183 |
| Net operating income to assets | 1.1254% | 2,187 |
| Return on assets (ROA) | 1.1254% | 2,246 |
| Pretax return on assets | 1.4697% | 1,817 |
| Return on Equity (ROE) | 10.3289% | 2,403 |
| Retained earnings to average equity (ytd only) | 10.3289% | 838 |
| Net charge-offs to loans | 0.0086% | 2,258 |
| Credit loss provision to net charge-offs | 2,000.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 295.1111% | 415 |
| Efficiency ratio | 64.0887% | 2,555 |
| Assets per employee ($millions) | 6.1309% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 2,176 |
| Loan loss allowance to noncurrent loans | 200.1416% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 1,591 |
| Noncurrent loans to loans | 0.6703% | 1,493 |
| Net loans and leases to total assets | 60.5369% | 2,103 |
| Net loans and leases to deposits | 68.4364% | 2,265 |
| Net loans and leases to core deposits | 74.3124% | 2,054 |
| Total domestic deposits to total assets | 88.4571% | 1,809 |
| Equity capital to assets | 11.1986% | 1,666 |
| Core capital (leverage) ratio | 10.5223% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,468,200 | 3,316 |
| Average earning assets | $156,698,600 | 3,309 |
| Average equity | $18,356,200 | 3,360 |
| Average total loans | $104,484,000 | 3,143 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 2,255 |
| Cost of funding earning assets | 0.4623% | 1,273 |
| Net interest margin | 3.2455% | 2,594 |
| Noninterest income to average assets | 1.3510% | 652 |
| Noninterest expense to average assets | 2.6917% | 1,611 |
| Loan and lease loss provision to assets | 0.1074% | 1,126 |
| Net operating income to assets | 1.1880% | 2,207 |
| Return on assets (ROA) | 1.1880% | 2,264 |
| Pretax return on assets | 1.5721% | 1,786 |
| Return on Equity (ROE) | 10.9814% | 2,370 |
| Retained earnings to average equity (ytd only) | 10.9814% | 1,068 |
| Net charge-offs to loans | 0.0051% | 2,146 |
| Credit loss provision to net charge-offs | 3,375.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 528.0000% | 286 |
| Efficiency ratio | 61.5790% | 2,757 |
| Assets per employee ($millions) | 6.3029% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,430 |
| Loan loss allowance to noncurrent loans | 197.8386% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 1,876 |
| Noncurrent loans to loans | 0.6631% | 1,650 |
| Net loans and leases to total assets | 58.5228% | 2,422 |
| Net loans and leases to deposits | 65.7652% | 2,655 |
| Net loans and leases to core deposits | 71.1959% | 2,498 |
| Total domestic deposits to total assets | 88.9874% | 1,280 |
| Equity capital to assets | 10.7009% | 2,264 |
| Core capital (leverage) ratio | 10.7863% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,669,250 | 3,358 |
| Average earning assets | $156,026,750 | 3,350 |
| Average equity | $18,139,250 | 3,416 |
| Average total loans | $104,271,750 | 3,185 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 2,462 |
| Cost of funding earning assets | 0.4777% | 1,341 |
| Net interest margin | 3.1741% | 2,838 |
| Noninterest income to average assets | 1.4533% | 575 |
| Noninterest expense to average assets | 2.6674% | 1,670 |
| Loan and lease loss provision to assets | 0.1093% | 1,157 |
| Net operating income to assets | 1.2311% | 2,079 |
| Return on assets (ROA) | 1.2311% | 2,146 |
| Pretax return on assets | 1.6293% | 1,657 |
| Return on Equity (ROE) | 11.3355% | 2,293 |
| Retained earnings to average equity (ytd only) | 11.3355% | 1,052 |
| Net charge-offs to loans | -0.0058% | 3,475 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5401% | 2,936 |
| Assets per employee ($millions) | 5.9375% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,584 |
| Loan loss allowance to noncurrent loans | 176.7196% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 1,749 |
| Noncurrent loans to loans | 0.7190% | 1,643 |
| Net loans and leases to total assets | 62.4425% | 2,125 |
| Net loans and leases to deposits | 70.4451% | 2,366 |
| Net loans and leases to core deposits | 76.9727% | 2,141 |
| Total domestic deposits to total assets | 88.6399% | 1,481 |
| Equity capital to assets | 11.0750% | 1,930 |
| Core capital (leverage) ratio | 10.6574% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,732,333 | 3,387 |
| Average earning assets | $153,240,333 | 3,381 |
| Average equity | $17,890,667 | 3,437 |
| Average total loans | $104,144,333 | 3,204 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 2,450 |
| Cost of funding earning assets | 0.4953% | 1,418 |
| Net interest margin | 3.1711% | 2,781 |
| Noninterest income to average assets | 1.2563% | 799 |
| Noninterest expense to average assets | 2.5589% | 1,993 |
| Loan and lease loss provision to assets | 0.1098% | 1,263 |
| Net operating income to assets | 1.1587% | 2,304 |
| Return on assets (ROA) | 1.1587% | 2,371 |
| Pretax return on assets | 1.5393% | 1,886 |
| Return on Equity (ROE) | 10.7771% | 2,429 |
| Retained earnings to average equity (ytd only) | 10.7771% | 1,453 |
| Net charge-offs to loans | -0.0154% | 3,872 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8116% | 2,938 |
| Assets per employee ($millions) | 5.8783% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,664 |
| Loan loss allowance to noncurrent loans | 151.1111% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 1,804 |
| Noncurrent loans to loans | 0.8273% | 1,618 |
| Net loans and leases to total assets | 59.8674% | 2,556 |
| Net loans and leases to deposits | 67.1518% | 2,794 |
| Net loans and leases to core deposits | 73.9708% | 2,516 |
| Total domestic deposits to total assets | 89.1523% | 1,265 |
| Equity capital to assets | 10.4816% | 2,288 |
| Core capital (leverage) ratio | 10.9244% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,974,000 | 3,393 |
| Average earning assets | $152,626,500 | 3,391 |
| Average equity | $17,630,000 | 3,459 |
| Average total loans | $103,643,500 | 3,214 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,123 |
| Cost of funding earning assets | 0.6722% | 1,866 |
| Net interest margin | 3.5315% | 2,366 |
| Noninterest income to average assets | 1.3655% | 628 |
| Noninterest expense to average assets | 3.0834% | 1,267 |
| Loan and lease loss provision to assets | 0.1213% | 2,850 |
| Net operating income to assets | 1.0669% | 2,043 |
| Return on assets (ROA) | 1.0669% | 2,182 |
| Pretax return on assets | 1.4147% | 1,610 |
| Return on Equity (ROE) | 9.5658% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.5658% | 668 |
| Net charge-offs to loans | 0.0096% | 2,976 |
| Credit loss provision to net charge-offs | 1,800.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 227.9000% | 431 |
| Efficiency ratio | 66.7493% | 2,401 |
| Assets per employee ($millions) | 5.4303% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,974 |
| Loan loss allowance to noncurrent loans | 118.7202% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 1,507 |
| Noncurrent loans to loans | 1.0073% | 1,409 |
| Net loans and leases to total assets | 65.2129% | 2,203 |
| Net loans and leases to deposits | 73.6024% | 2,524 |
| Net loans and leases to core deposits | 81.7917% | 2,211 |
| Total domestic deposits to total assets | 88.6016% | 1,164 |
| Equity capital to assets | 11.0441% | 2,216 |
| Core capital (leverage) ratio | 10.4726% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,373,800 | 3,419 |
| Average earning assets | $136,713,600 | 3,422 |
| Average equity | $16,548,600 | 3,501 |
| Average total loans | $104,381,000 | 3,173 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,293 |
| Cost of funding earning assets | 0.6997% | 2,024 |
| Net interest margin | 3.5351% | 2,473 |
| Noninterest income to average assets | 1.1955% | 745 |
| Noninterest expense to average assets | 2.9569% | 1,541 |
| Loan and lease loss provision to assets | 0.1232% | 2,793 |
| Net operating income to assets | 1.0322% | 2,217 |
| Return on assets (ROA) | 1.0322% | 2,346 |
| Pretax return on assets | 1.3662% | 1,832 |
| Return on Equity (ROE) | 9.2299% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.2299% | 930 |
| Net charge-offs to loans | 0.0089% | 2,787 |
| Credit loss provision to net charge-offs | 1,928.5714% | 490 |
| Earnings coverage of net charge-offs (x) | 233.1429% | 442 |
| Efficiency ratio | 66.5025% | 2,401 |
| Assets per employee ($millions) | 5.5250% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,333 |
| Loan loss allowance to noncurrent loans | 186.3354% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 2,444 |
| Noncurrent loans to loans | 0.5769% | 2,358 |
| Net loans and leases to total assets | 68.9193% | 2,120 |
| Net loans and leases to deposits | 77.3270% | 2,613 |
| Net loans and leases to core deposits | 84.0508% | 2,469 |
| Total domestic deposits to total assets | 89.1272% | 715 |
| Equity capital to assets | 10.5733% | 2,725 |
| Core capital (leverage) ratio | 10.9648% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,097,750 | 3,433 |
| Average earning assets | $134,345,750 | 3,444 |
| Average equity | $16,337,750 | 3,521 |
| Average total loans | $104,491,500 | 3,180 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 2,235 |
| Cost of funding earning assets | 0.7628% | 2,034 |
| Net interest margin | 3.6289% | 2,384 |
| Noninterest income to average assets | 1.1896% | 706 |
| Noninterest expense to average assets | 2.9550% | 1,705 |
| Loan and lease loss provision to assets | 0.1273% | 2,750 |
| Net operating income to assets | 1.0793% | 2,036 |
| Return on assets (ROA) | 1.0793% | 2,161 |
| Pretax return on assets | 1.4315% | 1,638 |
| Return on Equity (ROE) | 9.4567% | 2,173 |
| Retained earnings to average equity (ytd only) | 9.4567% | 891 |
| Net charge-offs to loans | 0.0118% | 2,540 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 183.6667% | 481 |
| Efficiency ratio | 65.4654% | 2,592 |
| Assets per employee ($millions) | 5.4734% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,311 |
| Loan loss allowance to noncurrent loans | 176.3720% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 2,471 |
| Noncurrent loans to loans | 0.5962% | 2,364 |
| Net loans and leases to total assets | 71.0383% | 1,862 |
| Net loans and leases to deposits | 80.1698% | 2,401 |
| Net loans and leases to core deposits | 87.7863% | 2,266 |
| Total domestic deposits to total assets | 88.6098% | 903 |
| Equity capital to assets | 10.8134% | 2,488 |
| Core capital (leverage) ratio | 10.5351% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,388,667 | 3,466 |
| Average earning assets | $129,514,667 | 3,482 |
| Average equity | $16,136,667 | 3,537 |
| Average total loans | $102,113,333 | 3,203 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,171 |
| Cost of funding earning assets | 0.8636% | 2,040 |
| Net interest margin | 3.6818% | 2,389 |
| Noninterest income to average assets | 0.5965% | 2,055 |
| Noninterest expense to average assets | 2.9559% | 1,999 |
| Loan and lease loss provision to assets | 0.1329% | 2,066 |
| Net operating income to assets | 0.6497% | 3,450 |
| Return on assets (ROA) | 0.6497% | 3,508 |
| Pretax return on assets | 0.8564% | 3,265 |
| Return on Equity (ROE) | 5.5280% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.5280% | 2,053 |
| Net charge-offs to loans | 0.0326% | 1,738 |
| Credit loss provision to net charge-offs | 562.5000% | 820 |
| Earnings coverage of net charge-offs (x) | 41.8750% | 1,004 |
| Efficiency ratio | 74.9251% | 1,697 |
| Assets per employee ($millions) | 5.0127% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,109 |
| Loan loss allowance to noncurrent loans | 99.9100% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3110% | 890 |
| Noncurrent loans to loans | 1.1170% | 1,483 |
| Net loans and leases to total assets | 70.0759% | 2,243 |
| Net loans and leases to deposits | 79.4172% | 2,740 |
| Net loans and leases to core deposits | 88.9334% | 2,454 |
| Total domestic deposits to total assets | 88.2377% | 1,000 |
| Equity capital to assets | 11.4203% | 2,510 |
| Core capital (leverage) ratio | 11.6774% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,456,000 | 3,509 |
| Average earning assets | $123,202,000 | 3,532 |
| Average equity | $15,919,000 | 3,562 |
| Average total loans | $98,157,000 | 3,248 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 1,915 |
| Cost of funding earning assets | 0.8364% | 2,504 |
| Net interest margin | 4.0068% | 1,837 |
| Noninterest income to average assets | 0.8997% | 1,177 |
| Noninterest expense to average assets | 3.4387% | 1,049 |
| Loan and lease loss provision to assets | 0.1406% | 1,516 |
| Net operating income to assets | 0.7677% | 3,650 |
| Return on assets (ROA) | 0.7677% | 3,730 |
| Pretax return on assets | 0.9794% | 3,517 |
| Return on Equity (ROE) | 6.4071% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.4071% | 1,663 |
| Net charge-offs to loans | 0.1198% | 1,551 |
| Credit loss provision to net charge-offs | 151.2605% | 1,686 |
| Earnings coverage of net charge-offs (x) | 12.0504% | 2,439 |
| Efficiency ratio | 75.4326% | 1,429 |
| Assets per employee ($millions) | 4.8354% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 2,908 |
| Loan loss allowance to noncurrent loans | 267.5810% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 1,435 |
| Noncurrent loans to loans | 0.4140% | 2,959 |
| Net loans and leases to total assets | 73.3595% | 1,867 |
| Net loans and leases to deposits | 83.9022% | 2,349 |
| Net loans and leases to core deposits | 93.2081% | 2,137 |
| Total domestic deposits to total assets | 87.4346% | 1,393 |
| Equity capital to assets | 12.1089% | 2,070 |
| Core capital (leverage) ratio | 11.6249% | 2,017 |
| Tier 1 risk-based capital ratio | 19.4228% | 1,431 |
| Total risk-based capital ratio | 20.6735% | 1,392 |
| Memoranda: | ||
| Average total assets | $128,042,800 | 3,587 |
| Average earning assets | $116,927,000 | 3,601 |
| Average equity | $15,342,400 | 3,605 |
| Average total loans | $99,292,400 | 3,237 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 1,945 |
| Cost of funding earning assets | 0.8063% | 2,684 |
| Net interest margin | 4.0522% | 1,755 |
| Noninterest income to average assets | 0.7848% | 1,467 |
| Noninterest expense to average assets | 3.3946% | 1,106 |
| Loan and lease loss provision to assets | 0.1413% | 1,362 |
| Net operating income to assets | 0.7587% | 3,819 |
| Return on assets (ROA) | 0.7587% | 3,884 |
| Pretax return on assets | 0.9564% | 3,719 |
| Return on Equity (ROE) | 6.3487% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.3487% | 2,200 |
| Net charge-offs to loans | 0.1415% | 1,144 |
| Credit loss provision to net charge-offs | 127.3585% | 1,856 |
| Earnings coverage of net charge-offs (x) | 9.8962% | 2,540 |
| Efficiency ratio | 75.5649% | 1,378 |
| Assets per employee ($millions) | 4.5722% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,302 |
| Loan loss allowance to noncurrent loans | 178.8660% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9782% | 1,380 |
| Noncurrent loans to loans | 0.5859% | 2,531 |
| Net loans and leases to total assets | 74.1280% | 1,795 |
| Net loans and leases to deposits | 84.3604% | 2,412 |
| Net loans and leases to core deposits | 94.3264% | 2,152 |
| Total domestic deposits to total assets | 87.8706% | 1,093 |
| Equity capital to assets | 11.7289% | 2,479 |
| Core capital (leverage) ratio | 12.0822% | 1,798 |
| Tier 1 risk-based capital ratio | 18.2991% | 1,735 |
| Total risk-based capital ratio | 19.5239% | 1,709 |
| Memoranda: | ||
| Average total assets | $127,414,250 | 3,636 |
| Average earning assets | $116,575,250 | 3,642 |
| Average equity | $15,225,750 | 3,651 |
| Average total loans | $99,903,250 | 3,269 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 1,796 |
| Cost of funding earning assets | 0.7776% | 2,760 |
| Net interest margin | 4.1086% | 1,583 |
| Noninterest income to average assets | 0.7113% | 1,671 |
| Noninterest expense to average assets | 3.2637% | 1,352 |
| Loan and lease loss provision to assets | 0.1432% | 1,294 |
| Net operating income to assets | 0.8609% | 3,426 |
| Return on assets (ROA) | 0.8609% | 3,491 |
| Pretax return on assets | 1.0709% | 3,320 |
| Return on Equity (ROE) | 7.1575% | 3,617 |
| Retained earnings to average equity (ytd only) | 7.1575% | 1,738 |
| Net charge-offs to loans | 0.1119% | 1,299 |
| Credit loss provision to net charge-offs | 160.7143% | 1,420 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 2,087 |
| Efficiency ratio | 72.8856% | 1,793 |
| Assets per employee ($millions) | 4.4470% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,352 |
| Loan loss allowance to noncurrent loans | 282.7027% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 1,691 |
| Noncurrent loans to loans | 0.3703% | 3,199 |
| Net loans and leases to total assets | 76.6590% | 1,441 |
| Net loans and leases to deposits | 87.4226% | 2,067 |
| Net loans and leases to core deposits | 99.3209% | 1,784 |
| Total domestic deposits to total assets | 87.6878% | 1,250 |
| Equity capital to assets | 11.9167% | 2,258 |
| Core capital (leverage) ratio | 12.0199% | 1,813 |
| Tier 1 risk-based capital ratio | 18.3048% | 1,721 |
| Total risk-based capital ratio | 19.5507% | 1,685 |
| Memoranda: | ||
| Average total assets | $125,687,330 | 3,679 |
| Average earning assets | $115,222,330 | 3,689 |
| Average equity | $15,117,000 | 3,671 |
| Average total loans | $100,094,000 | 3,282 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 1,681 |
| Cost of funding earning assets | 0.7237% | 2,924 |
| Net interest margin | 4.1492% | 1,428 |
| Noninterest income to average assets | 0.9222% | 988 |
| Noninterest expense to average assets | 3.3083% | 1,270 |
| Loan and lease loss provision to assets | 0.1451% | 1,172 |
| Net operating income to assets | 1.0673% | 2,588 |
| Return on assets (ROA) | 1.0673% | 2,640 |
| Pretax return on assets | 1.2769% | 2,540 |
| Return on Equity (ROE) | 8.8317% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.8317% | 1,377 |
| Net charge-offs to loans | 0.0080% | 2,406 |
| Credit loss provision to net charge-offs | 2,250.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 220.5000% | 355 |
| Efficiency ratio | 69.9387% | 2,351 |
| Assets per employee ($millions) | 4.3540% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,330 |
| Loan loss allowance to noncurrent loans | 95.3026% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 1,482 |
| Noncurrent loans to loans | 1.1181% | 1,495 |
| Net loans and leases to total assets | 77.5775% | 1,223 |
| Net loans and leases to deposits | 88.6397% | 1,784 |
| Net loans and leases to core deposits | 99.1618% | 1,695 |
| Total domestic deposits to total assets | 87.5200% | 1,564 |
| Equity capital to assets | 12.0040% | 2,017 |
| Core capital (leverage) ratio | 12.3700% | 1,574 |
| Tier 1 risk-based capital ratio | 18.0871% | 1,776 |
| Total risk-based capital ratio | 19.3365% | 1,730 |
| Memoranda: | ||
| Average total assets | $124,050,000 | 3,734 |
| Average earning assets | $113,854,000 | 3,749 |
| Average equity | $14,991,500 | 3,700 |
| Average total loans | $100,187,500 | 3,324 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 1,378 |
| Cost of funding earning assets | 0.6185% | 2,594 |
| Net interest margin | 4.2467% | 1,287 |
| Noninterest income to average assets | 0.7048% | 1,835 |
| Noninterest expense to average assets | 3.3946% | 1,164 |
| Loan and lease loss provision to assets | 0.1486% | 1,432 |
| Net operating income to assets | 0.7956% | 3,821 |
| Return on assets (ROA) | 0.7956% | 3,826 |
| Pretax return on assets | 1.0432% | 3,466 |
| Return on Equity (ROE) | 6.7124% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.7124% | 1,811 |
| Net charge-offs to loans | 0.1688% | 1,139 |
| Credit loss provision to net charge-offs | 107.1429% | 2,390 |
| Earnings coverage of net charge-offs (x) | 8.5952% | 2,886 |
| Efficiency ratio | 74.0148% | 1,625 |
| Assets per employee ($millions) | 4.2012% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,709 |
| Loan loss allowance to noncurrent loans | 263.5417% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 2,999 |
| Noncurrent loans to loans | 0.3788% | 3,176 |
| Net loans and leases to total assets | 82.3695% | 606 |
| Net loans and leases to deposits | 94.2840% | 1,245 |
| Net loans and leases to core deposits | 103.6222% | 1,445 |
| Total domestic deposits to total assets | 87.3631% | 1,601 |
| Equity capital to assets | 12.1690% | 1,779 |
| Core capital (leverage) ratio | 11.7978% | 1,876 |
| Tier 1 risk-based capital ratio | 17.6309% | 1,861 |
| Total risk-based capital ratio | 18.8344% | 1,833 |
| Memoranda: | ||
| Average total assets | $121,164,800 | 3,771 |
| Average earning assets | $110,744,800 | 3,791 |
| Average equity | $14,361,400 | 3,707 |
| Average total loans | $99,504,600 | 3,299 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 1,446 |
| Cost of funding earning assets | 0.5895% | 2,552 |
| Net interest margin | 4.2035% | 1,351 |
| Noninterest income to average assets | 0.7427% | 1,705 |
| Noninterest expense to average assets | 3.3377% | 1,226 |
| Loan and lease loss provision to assets | 0.1488% | 1,335 |
| Net operating income to assets | 0.8408% | 3,772 |
| Return on assets (ROA) | 0.8408% | 3,776 |
| Pretax return on assets | 1.0986% | 3,408 |
| Return on Equity (ROE) | 7.1414% | 3,883 |
| Retained earnings to average equity (ytd only) | 7.1414% | 2,055 |
| Net charge-offs to loans | 0.0983% | 1,512 |
| Credit loss provision to net charge-offs | 184.9315% | 1,475 |
| Earnings coverage of net charge-offs (x) | 15.5070% | 2,220 |
| Efficiency ratio | 72.7950% | 1,765 |
| Assets per employee ($millions) | 4.2900% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,435 |
| Loan loss allowance to noncurrent loans | 185.9895% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 2,612 |
| Noncurrent loans to loans | 0.5677% | 2,675 |
| Net loans and leases to total assets | 79.9958% | 1,021 |
| Net loans and leases to deposits | 91.0132% | 1,752 |
| Net loans and leases to core deposits | 101.5800% | 1,644 |
| Total domestic deposits to total assets | 87.8948% | 1,285 |
| Equity capital to assets | 11.7556% | 2,067 |
| Core capital (leverage) ratio | 11.8655% | 1,864 |
| Tier 1 risk-based capital ratio | 16.9193% | 2,131 |
| Total risk-based capital ratio | 18.1478% | 2,092 |
| Memoranda: | ||
| Average total assets | $120,997,500 | 3,813 |
| Average earning assets | $110,603,750 | 3,832 |
| Average equity | $14,245,250 | 3,748 |
| Average total loans | $99,039,250 | 3,338 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 1,360 |
| Cost of funding earning assets | 0.5462% | 2,637 |
| Net interest margin | 4.2108% | 1,261 |
| Noninterest income to average assets | 0.7626% | 1,603 |
| Noninterest expense to average assets | 3.3389% | 1,231 |
| Loan and lease loss provision to assets | 0.1502% | 1,258 |
| Net operating income to assets | 0.8577% | 3,642 |
| Return on assets (ROA) | 0.8577% | 3,635 |
| Pretax return on assets | 1.1196% | 3,236 |
| Return on Equity (ROE) | 7.2811% | 3,802 |
| Retained earnings to average equity (ytd only) | 7.2811% | 1,934 |
| Net charge-offs to loans | 0.1441% | 1,058 |
| Credit loss provision to net charge-offs | 126.7606% | 1,745 |
| Earnings coverage of net charge-offs (x) | 10.7183% | 2,317 |
| Efficiency ratio | 72.4475% | 1,928 |
| Assets per employee ($millions) | 3.9597% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,679 |
| Loan loss allowance to noncurrent loans | 234.7926% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,887 |
| Noncurrent loans to loans | 0.4369% | 3,130 |
| Net loans and leases to total assets | 80.0973% | 1,001 |
| Net loans and leases to deposits | 91.0346% | 1,706 |
| Net loans and leases to core deposits | 101.3880% | 1,616 |
| Total domestic deposits to total assets | 87.9855% | 1,390 |
| Equity capital to assets | 11.7114% | 2,057 |
| Core capital (leverage) ratio | 11.6597% | 1,933 |
| Tier 1 risk-based capital ratio | 17.1660% | 2,044 |
| Total risk-based capital ratio | 18.3827% | 2,002 |
| Memoranda: | ||
| Average total assets | $119,860,330 | 3,861 |
| Average earning assets | $109,479,670 | 3,881 |
| Average equity | $14,118,670 | 3,784 |
| Average total loans | $98,524,330 | 3,361 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,326 |
| Cost of funding earning assets | 0.4810% | 2,950 |
| Net interest margin | 4.2108% | 1,153 |
| Noninterest income to average assets | 0.8040% | 1,441 |
| Noninterest expense to average assets | 3.3746% | 1,210 |
| Loan and lease loss provision to assets | 0.1520% | 1,190 |
| Net operating income to assets | 0.8614% | 3,451 |
| Return on assets (ROA) | 0.8614% | 3,464 |
| Pretax return on assets | 1.1215% | 3,089 |
| Return on Equity (ROE) | 7.2909% | 3,669 |
| Retained earnings to average equity (ytd only) | 7.2909% | 2,154 |
| Net charge-offs to loans | 0.2487% | 618 |
| Credit loss provision to net charge-offs | 73.7705% | 1,799 |
| Earnings coverage of net charge-offs (x) | 6.1803% | 2,175 |
| Efficiency ratio | 72.6017% | 2,102 |
| Assets per employee ($millions) | 3.9406% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,984 |
| Loan loss allowance to noncurrent loans | 87.1568% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 1,425 |
| Noncurrent loans to loans | 1.1441% | 1,600 |
| Net loans and leases to total assets | 82.6372% | 581 |
| Net loans and leases to deposits | 94.1483% | 1,212 |
| Net loans and leases to core deposits | 103.5399% | 1,412 |
| Total domestic deposits to total assets | 87.7734% | 1,743 |
| Equity capital to assets | 11.9423% | 1,831 |
| Core capital (leverage) ratio | 12.0437% | 1,629 |
| Tier 1 risk-based capital ratio | 16.5272% | 2,263 |
| Total risk-based capital ratio | 17.6791% | 2,245 |
| Memoranda: | ||
| Average total assets | $118,414,500 | 3,925 |
| Average earning assets | $108,102,500 | 3,945 |
| Average equity | $13,990,000 | 3,833 |
| Average total loans | $98,116,500 | 3,396 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,324 |
| Cost of funding earning assets | 0.4748% | 2,553 |
| Net interest margin | 4.1692% | 1,253 |
| Noninterest income to average assets | 0.7490% | 1,778 |
| Noninterest expense to average assets | 3.3566% | 1,274 |
| Loan and lease loss provision to assets | 0.1896% | 1,112 |
| Net operating income to assets | 0.7037% | 3,589 |
| Return on assets (ROA) | 0.7037% | 3,643 |
| Pretax return on assets | 1.0182% | 3,502 |
| Return on Equity (ROE) | 6.2332% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.2332% | 1,420 |
| Net charge-offs to loans | 0.2775% | 943 |
| Credit loss provision to net charge-offs | 82.4818% | 2,907 |
| Earnings coverage of net charge-offs (x) | 5.2555% | 3,358 |
| Efficiency ratio | 73.5391% | 1,973 |
| Assets per employee ($millions) | 3.9537% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,772 |
| Loan loss allowance to noncurrent loans | 221.7295% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 2,908 |
| Noncurrent loans to loans | 0.4623% | 3,122 |
| Net loans and leases to total assets | 81.4064% | 758 |
| Net loans and leases to deposits | 92.5150% | 1,448 |
| Net loans and leases to core deposits | 101.6871% | 1,571 |
| Total domestic deposits to total assets | 87.9927% | 1,505 |
| Equity capital to assets | 11.6869% | 2,044 |
| Core capital (leverage) ratio | 11.6177% | 1,856 |
| Tier 1 risk-based capital ratio | 17.7565% | 1,871 |
| Total risk-based capital ratio | 19.0068% | 1,821 |
| Memoranda: | ||
| Average total assets | $119,229,000 | 3,910 |
| Average earning assets | $109,109,000 | 3,938 |
| Average equity | $13,460,200 | 3,921 |
| Average total loans | $98,739,600 | 3,374 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 1,251 |
| Cost of funding earning assets | 0.4770% | 2,456 |
| Net interest margin | 4.1707% | 1,228 |
| Noninterest income to average assets | 0.7025% | 1,988 |
| Noninterest expense to average assets | 3.3091% | 1,323 |
| Loan and lease loss provision to assets | 0.1173% | 1,849 |
| Net operating income to assets | 0.7527% | 3,724 |
| Return on assets (ROA) | 0.7527% | 3,784 |
| Pretax return on assets | 1.0945% | 3,321 |
| Return on Equity (ROE) | 6.7265% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.7265% | 1,833 |
| Net charge-offs to loans | 0.1279% | 1,505 |
| Credit loss provision to net charge-offs | 110.5263% | 2,137 |
| Earnings coverage of net charge-offs (x) | 11.4214% | 2,506 |
| Efficiency ratio | 73.1966% | 2,010 |
| Assets per employee ($millions) | 4.0794% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 3,690 |
| Loan loss allowance to noncurrent loans | 121.7491% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 2,172 |
| Noncurrent loans to loans | 0.8761% | 2,183 |
| Net loans and leases to total assets | 82.9463% | 549 |
| Net loans and leases to deposits | 94.1655% | 1,286 |
| Net loans and leases to core deposits | 102.1635% | 1,532 |
| Total domestic deposits to total assets | 88.0857% | 1,323 |
| Equity capital to assets | 11.5779% | 2,293 |
| Core capital (leverage) ratio | 11.4329% | 2,068 |
| Tier 1 risk-based capital ratio | 17.5292% | 2,004 |
| Total risk-based capital ratio | 18.7796% | 1,946 |
| Memoranda: | ||
| Average total assets | $119,383,500 | 3,947 |
| Average earning assets | $109,299,500 | 3,970 |
| Average equity | $13,359,750 | 3,975 |
| Average total loans | $99,035,250 | 3,396 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 1,218 |
| Cost of funding earning assets | 0.4800% | 2,326 |
| Net interest margin | 4.1391% | 1,222 |
| Noninterest income to average assets | 0.6597% | 2,170 |
| Noninterest expense to average assets | 3.2854% | 1,401 |
| Loan and lease loss provision to assets | 0.1002% | 2,011 |
| Net operating income to assets | 0.7299% | 3,708 |
| Return on assets (ROA) | 0.7299% | 3,771 |
| Pretax return on assets | 1.0623% | 3,331 |
| Return on Equity (ROE) | 6.5976% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.5976% | 1,797 |
| Net charge-offs to loans | 0.1919% | 1,046 |
| Credit loss provision to net charge-offs | 63.1579% | 2,439 |
| Earnings coverage of net charge-offs (x) | 7.3263% | 2,616 |
| Efficiency ratio | 73.8641% | 2,037 |
| Assets per employee ($millions) | 3.9086% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,986 |
| Loan loss allowance to noncurrent loans | 105.5208% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 1,928 |
| Noncurrent loans to loans | 0.9718% | 2,025 |
| Net loans and leases to total assets | 80.6926% | 851 |
| Net loans and leases to deposits | 92.0510% | 1,484 |
| Net loans and leases to core deposits | 101.0929% | 1,579 |
| Total domestic deposits to total assets | 87.6607% | 1,637 |
| Equity capital to assets | 11.1087% | 2,695 |
| Core capital (leverage) ratio | 10.8459% | 2,556 |
| Tier 1 risk-based capital ratio | 16.7163% | 2,229 |
| Total risk-based capital ratio | 17.9657% | 2,191 |
| Memoranda: | ||
| Average total assets | $119,743,670 | 3,967 |
| Average earning assets | $109,588,330 | 3,985 |
| Average equity | $13,247,330 | 4,003 |
| Average total loans | $98,985,000 | 3,414 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,105 |
| Cost of funding earning assets | 0.4779% | 2,264 |
| Net interest margin | 4.1359% | 1,126 |
| Noninterest income to average assets | 0.7057% | 1,939 |
| Noninterest expense to average assets | 3.2126% | 1,573 |
| Loan and lease loss provision to assets | 0.1008% | 1,880 |
| Net operating income to assets | 0.7931% | 3,254 |
| Return on assets (ROA) | 0.7931% | 3,312 |
| Pretax return on assets | 1.1728% | 2,698 |
| Return on Equity (ROE) | 7.1836% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.1836% | 1,791 |
| Net charge-offs to loans | 0.3674% | 505 |
| Credit loss provision to net charge-offs | 32.9670% | 2,100 |
| Earnings coverage of net charge-offs (x) | 4.1648% | 2,414 |
| Efficiency ratio | 71.6105% | 2,649 |
| Assets per employee ($millions) | 4.1207% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 4,307 |
| Loan loss allowance to noncurrent loans | 246.1347% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 3,362 |
| Noncurrent loans to loans | 0.4053% | 3,639 |
| Net loans and leases to total assets | 81.9605% | 569 |
| Net loans and leases to deposits | 93.4784% | 1,167 |
| Net loans and leases to core deposits | 102.7863% | 1,310 |
| Total domestic deposits to total assets | 87.6786% | 1,901 |
| Equity capital to assets | 11.0955% | 2,537 |
| Core capital (leverage) ratio | 11.1773% | 2,212 |
| Tier 1 risk-based capital ratio | 16.8488% | 2,234 |
| Total risk-based capital ratio | 18.0979% | 2,200 |
| Memoranda: | ||
| Average total assets | $119,032,500 | 4,014 |
| Average earning assets | $108,804,500 | 4,028 |
| Average equity | $13,141,000 | 4,038 |
| Average total loans | $99,085,000 | 3,435 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,346 |
| Cost of funding earning assets | 0.4985% | 2,102 |
| Net interest margin | 4.0751% | 1,442 |
| Noninterest income to average assets | 0.7723% | 1,868 |
| Noninterest expense to average assets | 3.1745% | 1,855 |
| Loan and lease loss provision to assets | 0.1465% | 1,700 |
| Net operating income to assets | 0.7950% | 3,329 |
| Return on assets (ROA) | 0.7950% | 3,430 |
| Pretax return on assets | 1.1702% | 2,809 |
| Return on Equity (ROE) | 7.8299% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.8299% | 913 |
| Net charge-offs to loans | 0.1130% | 2,133 |
| Credit loss provision to net charge-offs | 159.2920% | 1,730 |
| Earnings coverage of net charge-offs (x) | 14.3186% | 2,302 |
| Efficiency ratio | 70.6831% | 2,797 |
| Assets per employee ($millions) | 4.0885% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,973 |
| Loan loss allowance to noncurrent loans | 367.7193% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 3,527 |
| Noncurrent loans to loans | 0.2872% | 4,120 |
| Net loans and leases to total assets | 82.8172% | 499 |
| Net loans and leases to deposits | 94.3057% | 1,168 |
| Net loans and leases to core deposits | 103.7268% | 1,302 |
| Total domestic deposits to total assets | 87.8178% | 1,730 |
| Equity capital to assets | 10.9838% | 2,640 |
| Core capital (leverage) ratio | 10.3207% | 3,079 |
| Tier 1 risk-based capital ratio | 16.1618% | 2,484 |
| Total risk-based capital ratio | 17.4115% | 2,426 |
| Memoranda: | ||
| Average total assets | $122,885,600 | 3,945 |
| Average earning assets | $112,143,800 | 3,967 |
| Average equity | $12,477,800 | 4,173 |
| Average total loans | $99,988,000 | 3,384 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 1,390 |
| Cost of funding earning assets | 0.5030% | 2,080 |
| Net interest margin | 4.0546% | 1,515 |
| Noninterest income to average assets | 0.5690% | 2,821 |
| Noninterest expense to average assets | 3.1524% | 1,894 |
| Loan and lease loss provision to assets | 0.1452% | 1,613 |
| Net operating income to assets | 0.6367% | 4,134 |
| Return on assets (ROA) | 0.6367% | 4,263 |
| Pretax return on assets | 0.9734% | 3,724 |
| Return on Equity (ROE) | 6.3956% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.3956% | 1,962 |
| Net charge-offs to loans | 0.0679% | 2,355 |
| Credit loss provision to net charge-offs | 264.7059% | 1,150 |
| Earnings coverage of net charge-offs (x) | 20.3916% | 1,875 |
| Efficiency ratio | 73.8101% | 2,320 |
| Assets per employee ($millions) | 4.2423% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,866 |
| Loan loss allowance to noncurrent loans | 297.4860% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 3,428 |
| Noncurrent loans to loans | 0.3676% | 3,946 |
| Net loans and leases to total assets | 78.2956% | 1,146 |
| Net loans and leases to deposits | 88.4559% | 1,955 |
| Net loans and leases to core deposits | 94.9370% | 2,108 |
| Total domestic deposits to total assets | 88.5138% | 1,153 |
| Equity capital to assets | 10.2726% | 3,834 |
| Core capital (leverage) ratio | 10.4122% | 3,097 |
| Tier 1 risk-based capital ratio | 15.8373% | 2,689 |
| Total risk-based capital ratio | 17.0879% | 2,632 |
| Memoranda: | ||
| Average total assets | $123,965,500 | 3,948 |
| Average earning assets | $113,185,250 | 3,969 |
| Average equity | $12,341,500 | 4,239 |
| Average total loans | $100,174,750 | 3,392 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,292 |
| Cost of funding earning assets | 0.5236% | 1,918 |
| Net interest margin | 4.0640% | 1,465 |
| Noninterest income to average assets | 0.4844% | 3,304 |
| Noninterest expense to average assets | 3.0930% | 2,080 |
| Loan and lease loss provision to assets | 0.1448% | 1,583 |
| Net operating income to assets | 0.6180% | 4,199 |
| Return on assets (ROA) | 0.6180% | 4,323 |
| Pretax return on assets | 0.9559% | 3,762 |
| Return on Equity (ROE) | 6.2731% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.2731% | 1,972 |
| Net charge-offs to loans | 0.0969% | 1,875 |
| Credit loss provision to net charge-offs | 183.6735% | 1,381 |
| Earnings coverage of net charge-offs (x) | 13.9592% | 2,089 |
| Efficiency ratio | 73.7529% | 2,395 |
| Assets per employee ($millions) | 4.3184% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 4,328 |
| Loan loss allowance to noncurrent loans | 249.2683% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 3,260 |
| Noncurrent loans to loans | 0.4149% | 3,867 |
| Net loans and leases to total assets | 80.8872% | 775 |
| Net loans and leases to deposits | 92.1679% | 1,490 |
| Net loans and leases to core deposits | 100.6721% | 1,589 |
| Total domestic deposits to total assets | 87.7607% | 1,546 |
| Equity capital to assets | 10.2800% | 3,885 |
| Core capital (leverage) ratio | 9.7393% | 3,884 |
| Tier 1 risk-based capital ratio | 16.0356% | 2,625 |
| Total risk-based capital ratio | 17.2844% | 2,565 |
| Memoranda: | ||
| Average total assets | $124,278,670 | 3,970 |
| Average earning assets | $113,436,000 | 3,992 |
| Average equity | $12,242,670 | 4,276 |
| Average total loans | $101,103,330 | 3,388 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 1,502 |
| Cost of funding earning assets | 0.5105% | 2,022 |
| Net interest margin | 3.9901% | 1,639 |
| Noninterest income to average assets | 0.4954% | 3,149 |
| Noninterest expense to average assets | 2.9946% | 2,408 |
| Loan and lease loss provision to assets | 0.1429% | 1,474 |
| Net operating income to assets | 0.6573% | 3,942 |
| Return on assets (ROA) | 0.6573% | 4,064 |
| Pretax return on assets | 1.0067% | 3,456 |
| Return on Equity (ROE) | 6.8154% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.8154% | 1,970 |
| Net charge-offs to loans | 0.1878% | 1,039 |
| Credit loss provision to net charge-offs | 93.7500% | 1,728 |
| Earnings coverage of net charge-offs (x) | 7.5417% | 2,144 |
| Efficiency ratio | 72.2605% | 2,762 |
| Assets per employee ($millions) | 4.7984% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 4,788 |
| Loan loss allowance to noncurrent loans | 92.9658% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1943% | 1,835 |
| Noncurrent loans to loans | 1.0366% | 2,315 |
| Net loans and leases to total assets | 80.5633% | 737 |
| Net loans and leases to deposits | 91.2135% | 1,434 |
| Net loans and leases to core deposits | 100.9451% | 1,409 |
| Total domestic deposits to total assets | 88.3239% | 1,453 |
| Equity capital to assets | 9.8213% | 4,310 |
| Core capital (leverage) ratio | 9.7915% | 3,791 |
| Tier 1 risk-based capital ratio | 15.0944% | 3,112 |
| Total risk-based capital ratio | 16.2992% | 3,071 |
| Memoranda: | ||
| Average total assets | $125,961,000 | 3,980 |
| Average earning assets | $115,184,500 | 3,984 |
| Average equity | $12,149,000 | 4,310 |
| Average total loans | $102,242,000 | 3,386 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 991 |
| Cost of funding earning assets | 0.5743% | 1,561 |
| Net interest margin | 4.1865% | 1,196 |
| Noninterest income to average assets | 0.6777% | 2,303 |
| Noninterest expense to average assets | 3.2693% | 1,792 |
| Loan and lease loss provision to assets | 0.1440% | 1,645 |
| Net operating income to assets | 0.7033% | 3,793 |
| Return on assets (ROA) | 0.7033% | 3,905 |
| Pretax return on assets | 1.0850% | 3,130 |
| Return on Equity (ROE) | 7.5924% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.5924% | 1,069 |
| Net charge-offs to loans | 0.0381% | 3,461 |
| Credit loss provision to net charge-offs | 450.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 38.4000% | 1,214 |
| Efficiency ratio | 72.6788% | 2,792 |
| Assets per employee ($millions) | 4.8909% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,856 |
| Loan loss allowance to noncurrent loans | 105.1447% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 1,968 |
| Noncurrent loans to loans | 0.9059% | 2,525 |
| Net loans and leases to total assets | 80.2238% | 817 |
| Net loans and leases to deposits | 90.4870% | 1,552 |
| Net loans and leases to core deposits | 100.1374% | 1,488 |
| Total domestic deposits to total assets | 88.6579% | 1,304 |
| Equity capital to assets | 9.4721% | 4,586 |
| Core capital (leverage) ratio | 9.0273% | 4,854 |
| Tier 1 risk-based capital ratio | 14.7915% | 3,279 |
| Total risk-based capital ratio | 15.9962% | 3,236 |
| Memoranda: | ||
| Average total assets | $124,982,200 | 3,987 |
| Average earning assets | $114,058,200 | 3,999 |
| Average equity | $11,577,400 | 4,375 |
| Average total loans | $104,937,200 | 3,302 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 894 |
| Cost of funding earning assets | 0.5841% | 1,511 |
| Net interest margin | 4.2413% | 1,076 |
| Noninterest income to average assets | 0.5765% | 2,871 |
| Noninterest expense to average assets | 3.2798% | 1,746 |
| Loan and lease loss provision to assets | 0.1447% | 1,516 |
| Net operating income to assets | 0.6504% | 4,129 |
| Return on assets (ROA) | 0.6504% | 4,240 |
| Pretax return on assets | 1.0190% | 3,542 |
| Return on Equity (ROE) | 7.0617% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.0617% | 1,658 |
| Net charge-offs to loans | 0.0152% | 3,651 |
| Credit loss provision to net charge-offs | 1,125.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 90.4975% | 683 |
| Efficiency ratio | 73.8124% | 2,591 |
| Assets per employee ($millions) | 4.5706% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 5,171 |
| Loan loss allowance to noncurrent loans | 131.5143% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 2,453 |
| Noncurrent loans to loans | 0.6917% | 3,247 |
| Net loans and leases to total assets | 82.0490% | 574 |
| Net loans and leases to deposits | 92.2609% | 1,376 |
| Net loans and leases to core deposits | 103.6023% | 1,256 |
| Total domestic deposits to total assets | 88.9315% | 1,060 |
| Equity capital to assets | 9.2002% | 5,110 |
| Core capital (leverage) ratio | 9.4102% | 4,420 |
| Tier 1 risk-based capital ratio | 14.1452% | 3,767 |
| Total risk-based capital ratio | 15.3033% | 3,764 |
| Memoranda: | ||
| Average total assets | $124,437,000 | 4,030 |
| Average earning assets | $113,452,250 | 4,056 |
| Average equity | $11,460,500 | 4,446 |
| Average total loans | $105,422,500 | 3,316 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 812 |
| Cost of funding earning assets | 0.6008% | 1,411 |
| Net interest margin | 4.2451% | 1,019 |
| Noninterest income to average assets | 0.6263% | 2,596 |
| Noninterest expense to average assets | 3.3815% | 1,508 |
| Loan and lease loss provision to assets | 0.1460% | 1,473 |
| Net operating income to assets | 0.6231% | 4,247 |
| Return on assets (ROA) | 0.6231% | 4,357 |
| Pretax return on assets | 0.9622% | 3,732 |
| Return on Equity (ROE) | 6.7629% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.7629% | 1,811 |
| Net charge-offs to loans | 0.0114% | 3,510 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 113.8333% | 549 |
| Efficiency ratio | 75.3162% | 2,492 |
| Assets per employee ($millions) | 3.9172% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 5,372 |
| Loan loss allowance to noncurrent loans | 76.3832% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 1,823 |
| Noncurrent loans to loans | 1.1512% | 2,343 |
| Net loans and leases to total assets | 85.8639% | 246 |
| Net loans and leases to deposits | 97.8629% | 808 |
| Net loans and leases to core deposits | 103.8402% | 1,199 |
| Total domestic deposits to total assets | 87.7390% | 1,775 |
| Equity capital to assets | 9.5122% | 4,637 |
| Core capital (leverage) ratio | 9.2311% | 4,646 |
| Tier 1 risk-based capital ratio | 15.5796% | 3,057 |
| Total risk-based capital ratio | 16.8272% | 3,004 |
| Memoranda: | ||
| Average total assets | $123,257,330 | 4,087 |
| Average earning assets | $112,175,670 | 4,114 |
| Average equity | $11,356,000 | 4,496 |
| Average total loans | $105,241,000 | 3,343 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 807 |
| Cost of funding earning assets | 0.6092% | 1,371 |
| Net interest margin | 4.2217% | 1,019 |
| Noninterest income to average assets | 0.6958% | 2,177 |
| Noninterest expense to average assets | 3.5081% | 1,288 |
| Loan and lease loss provision to assets | 0.1611% | 1,254 |
| Net operating income to assets | 0.5927% | 4,319 |
| Return on assets (ROA) | 0.5927% | 4,415 |
| Pretax return on assets | 0.8666% | 4,002 |
| Return on Equity (ROE) | 6.5373% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.5373% | 2,218 |
| Net charge-offs to loans | 0.0076% | 3,075 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 159.5000% | 342 |
| Efficiency ratio | 77.3438% | 2,290 |
| Assets per employee ($millions) | 4.1957% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 5,583 |
| Loan loss allowance to noncurrent loans | 106.4671% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.3379% | 1,988 |
| Noncurrent loans to loans | 0.7950% | 3,256 |
| Net loans and leases to total assets | 82.7387% | 394 |
| Net loans and leases to deposits | 93.6715% | 1,021 |
| Net loans and leases to core deposits | 98.4339% | 1,438 |
| Total domestic deposits to total assets | 88.3285% | 1,644 |
| Equity capital to assets | 9.0172% | 5,268 |
| Core capital (leverage) ratio | 9.0555% | 4,890 |
| Tier 1 risk-based capital ratio | 14.3428% | 3,809 |
| Total risk-based capital ratio | 15.4662% | 3,799 |
| Memoranda: | ||
| Average total assets | $124,169,000 | 4,102 |
| Average earning assets | $112,940,000 | 4,119 |
| Average equity | $11,258,500 | 4,551 |
| Average total loans | $105,265,000 | 3,349 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 1,043 |
| Cost of funding earning assets | 0.7344% | 925 |
| Net interest margin | 4.0993% | 1,583 |
| Noninterest income to average assets | 0.4173% | 4,057 |
| Noninterest expense to average assets | 3.6424% | 1,227 |
| Loan and lease loss provision to assets | 0.0124% | 4,370 |
| Net operating income to assets | 0.3384% | 5,409 |
| Return on assets (ROA) | 0.3384% | 5,480 |
| Pretax return on assets | 0.5085% | 5,228 |
| Return on Equity (ROE) | 3.7258% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.7258% | 3,565 |
| Net charge-offs to loans | 0.2672% | 1,617 |
| Credit loss provision to net charge-offs | 5.5762% | 4,154 |
| Earnings coverage of net charge-offs (x) | 2.3346% | 4,181 |
| Efficiency ratio | 87.4875% | 1,037 |
| Assets per employee ($millions) | 4.0822% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 5,778 |
| Loan loss allowance to noncurrent loans | 124.4083% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2232% | 2,322 |
| Noncurrent loans to loans | 0.6408% | 3,767 |
| Net loans and leases to total assets | 85.4565% | 247 |
| Net loans and leases to deposits | 97.0763% | 825 |
| Net loans and leases to core deposits | 100.9073% | 1,327 |
| Total domestic deposits to total assets | 88.0302% | 1,756 |
| Equity capital to assets | 9.1184% | 5,164 |
| Core capital (leverage) ratio | 9.1184% | 4,797 |
| Tier 1 risk-based capital ratio | 14.1451% | 4,001 |
| Total risk-based capital ratio | 15.2104% | 4,048 |
| Memoranda: | ||
| Average total assets | $120,550,800 | 4,169 |
| Average earning assets | $110,164,600 | 4,181 |
| Average equity | $10,950,600 | 4,572 |
| Average total loans | $100,681,000 | 3,406 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 1,136 |
| Cost of funding earning assets | 0.7593% | 854 |
| Net interest margin | 4.0245% | 1,809 |
| Noninterest income to average assets | 0.4142% | 4,144 |
| Noninterest expense to average assets | 3.6144% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3320% | 5,488 |
| Return on assets (ROA) | 0.3320% | 5,554 |
| Pretax return on assets | 0.4841% | 5,368 |
| Return on Equity (ROE) | 3.6586% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.6586% | 4,044 |
| Net charge-offs to loans | 0.2828% | 1,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.0663% | 3,997 |
| Efficiency ratio | 88.1875% | 984 |
| Assets per employee ($millions) | 3.4859% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 5,680 |
| Loan loss allowance to noncurrent loans | 209.2417% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 2,850 |
| Noncurrent loans to loans | 0.4172% | 4,655 |
| Net loans and leases to total assets | 84.5944% | 293 |
| Net loans and leases to deposits | 96.4345% | 847 |
| Net loans and leases to core deposits | 100.6687% | 1,316 |
| Total domestic deposits to total assets | 87.7221% | 1,913 |
| Equity capital to assets | 9.3299% | 5,004 |
| Core capital (leverage) ratio | 9.3299% | 4,599 |
| Tier 1 risk-based capital ratio | 14.2115% | 4,074 |
| Total risk-based capital ratio | 15.3464% | 4,082 |
| Memoranda: | ||
| Average total assets | $120,071,750 | 4,216 |
| Average earning assets | $109,924,250 | 4,220 |
| Average equity | $10,896,500 | 4,615 |
| Average total loans | $99,477,000 | 3,457 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 1,246 |
| Cost of funding earning assets | 0.7684% | 842 |
| Net interest margin | 3.9504% | 1,966 |
| Noninterest income to average assets | 0.4097% | 4,174 |
| Noninterest expense to average assets | 3.6339% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2753% | 5,646 |
| Return on assets (ROA) | 0.2753% | 5,721 |
| Pretax return on assets | 0.3997% | 5,561 |
| Return on Equity (ROE) | 3.0620% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.0620% | 4,254 |
| Net charge-offs to loans | 0.1415% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.4429% | 3,305 |
| Efficiency ratio | 90.0905% | 913 |
| Assets per employee ($millions) | 3.5942% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 5,234 |
| Loan loss allowance to noncurrent loans | 130.9068% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 3,142 |
| Noncurrent loans to loans | 0.7839% | 3,739 |
| Net loans and leases to total assets | 83.3486% | 354 |
| Net loans and leases to deposits | 95.7843% | 816 |
| Net loans and leases to core deposits | 100.2789% | 1,259 |
| Total domestic deposits to total assets | 87.0170% | 2,445 |
| Equity capital to assets | 9.2109% | 5,094 |
| Core capital (leverage) ratio | 9.2109% | 4,723 |
| Tier 1 risk-based capital ratio | 14.4396% | 3,964 |
| Total risk-based capital ratio | 15.6833% | 3,916 |
| Memoranda: | ||
| Average total assets | $120,588,330 | 4,223 |
| Average earning assets | $110,622,330 | 4,227 |
| Average equity | $10,842,670 | 4,646 |
| Average total loans | $98,920,670 | 3,474 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,535 |
| Cost of funding earning assets | 0.7695% | 882 |
| Net interest margin | 3.8189% | 2,389 |
| Noninterest income to average assets | 0.4507% | 3,786 |
| Noninterest expense to average assets | 3.5664% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2797% | 5,564 |
| Return on assets (ROA) | 0.2797% | 5,611 |
| Pretax return on assets | 0.3948% | 5,474 |
| Return on Equity (ROE) | 3.1477% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.1477% | 4,239 |
| Net charge-offs to loans | 0.1910% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5532% | 2,854 |
| Efficiency ratio | 90.0332% | 1,035 |
| Assets per employee ($millions) | 3.5963% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 5,269 |
| Loan loss allowance to noncurrent loans | 110.4211% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 3,311 |
| Noncurrent loans to loans | 0.9645% | 3,491 |
| Net loans and leases to total assets | 79.6971% | 588 |
| Net loans and leases to deposits | 91.0610% | 1,034 |
| Net loans and leases to core deposits | 96.1064% | 1,375 |
| Total domestic deposits to total assets | 87.5205% | 2,497 |
| Equity capital to assets | 8.8687% | 5,257 |
| Core capital (leverage) ratio | 8.8687% | 5,174 |
| Tier 1 risk-based capital ratio | 14.1789% | 4,204 |
| Total risk-based capital ratio | 15.3988% | 4,175 |
| Memoranda: | ||
| Average total assets | $121,578,000 | 4,243 |
| Average earning assets | $111,759,000 | 4,225 |
| Average equity | $10,801,500 | 4,665 |
| Average total loans | $98,439,000 | 3,504 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 1,232 |
| Cost of funding earning assets | 0.9084% | 705 |
| Net interest margin | 3.9302% | 2,178 |
| Noninterest income to average assets | 0.6645% | 2,737 |
| Noninterest expense to average assets | 3.6854% | 1,306 |
| Loan and lease loss provision to assets | 0.0534% | 4,073 |
| Net operating income to assets | 0.3439% | 5,360 |
| Return on assets (ROA) | 0.3439% | 5,468 |
| Pretax return on assets | 0.5334% | 5,096 |
| Return on Equity (ROE) | 3.8969% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.8969% | 3,427 |
| Net charge-offs to loans | -0.3459% | 6,689 |
| Credit loss provision to net charge-offs | -18.9349% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2642% | 1,389 |
| Assets per employee ($millions) | 3.5554% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,085 |
| Loan loss allowance to noncurrent loans | 147.3755% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 3,852 |
| Noncurrent loans to loans | 0.7552% | 4,080 |
| Net loans and leases to total assets | 80.4795% | 543 |
| Net loans and leases to deposits | 92.1156% | 1,039 |
| Net loans and leases to core deposits | 96.5560% | 1,412 |
| Total domestic deposits to total assets | 87.3680% | 2,541 |
| Equity capital to assets | 8.9003% | 5,147 |
| Core capital (leverage) ratio | 8.9003% | 5,140 |
| Tier 1 risk-based capital ratio | 14.1549% | 4,187 |
| Total risk-based capital ratio | 15.4074% | 4,134 |
| Memoranda: | ||
| Average total assets | $119,795,600 | 4,281 |
| Average earning assets | $109,968,200 | 4,263 |
| Average equity | $10,572,600 | 4,730 |
| Average total loans | $97,723,400 | 3,511 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 1,166 |
| Cost of funding earning assets | 0.9385% | 675 |
| Net interest margin | 3.9401% | 2,145 |
| Noninterest income to average assets | 0.6827% | 2,724 |
| Noninterest expense to average assets | 3.6366% | 1,336 |
| Loan and lease loss provision to assets | 0.0714% | 3,637 |
| Net operating income to assets | 0.3915% | 5,277 |
| Return on assets (ROA) | 0.3915% | 5,414 |
| Pretax return on assets | 0.5901% | 5,054 |
| Return on Equity (ROE) | 4.4460% | 5,003 |
| Retained earnings to average equity (ytd only) | 4.4460% | 3,505 |
| Net charge-offs to loans | 0.0205% | 4,724 |
| Credit loss provision to net charge-offs | 426.6667% | 622 |
| Earnings coverage of net charge-offs (x) | 39.5325% | 1,011 |
| Efficiency ratio | 84.6094% | 1,524 |
| Assets per employee ($millions) | 3.5911% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 6,368 |
| Loan loss allowance to noncurrent loans | 181.4181% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 4,992 |
| Noncurrent loans to loans | 0.4137% | 5,157 |
| Net loans and leases to total assets | 82.7976% | 306 |
| Net loans and leases to deposits | 95.3279% | 741 |
| Net loans and leases to core deposits | 100.3682% | 1,089 |
| Total domestic deposits to total assets | 86.8556% | 2,769 |
| Equity capital to assets | 9.0273% | 5,157 |
| Core capital (leverage) ratio | 9.0273% | 5,086 |
| Tier 1 risk-based capital ratio | 14.1517% | 4,319 |
| Total risk-based capital ratio | 15.1333% | 4,470 |
| Memoranda: | ||
| Average total assets | $119,523,750 | 4,325 |
| Average earning assets | $109,674,250 | 4,316 |
| Average equity | $10,526,000 | 4,789 |
| Average total loans | $97,559,000 | 3,536 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 1,270 |
| Cost of funding earning assets | 0.9605% | 671 |
| Net interest margin | 3.8677% | 2,315 |
| Noninterest income to average assets | 0.7225% | 2,539 |
| Noninterest expense to average assets | 3.6292% | 1,366 |
| Loan and lease loss provision to assets | 0.0984% | 3,147 |
| Net operating income to assets | 0.3788% | 5,296 |
| Return on assets (ROA) | 0.3788% | 5,463 |
| Pretax return on assets | 0.5423% | 5,229 |
| Return on Equity (ROE) | 4.3367% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.3367% | 3,516 |
| Net charge-offs to loans | 0.0494% | 3,986 |
| Credit loss provision to net charge-offs | 245.8333% | 1,027 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,690 |
| Efficiency ratio | 84.9941% | 1,530 |
| Assets per employee ($millions) | 3.4329% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 6,428 |
| Loan loss allowance to noncurrent loans | 145.0199% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 4,600 |
| Noncurrent loans to loans | 0.5187% | 4,971 |
| Net loans and leases to total assets | 82.2992% | 337 |
| Net loans and leases to deposits | 95.4443% | 709 |
| Net loans and leases to core deposits | 100.1199% | 1,071 |
| Total domestic deposits to total assets | 86.2275% | 3,243 |
| Equity capital to assets | 9.0594% | 5,158 |
| Core capital (leverage) ratio | 9.0563% | 4,902 |
| Tier 1 risk-based capital ratio | 14.2630% | 4,251 |
| Total risk-based capital ratio | 15.2453% | 4,391 |
| Memoranda: | ||
| Average total assets | $119,862,670 | 4,355 |
| Average earning assets | $109,937,330 | 4,341 |
| Average equity | $10,468,670 | 4,837 |
| Average total loans | $97,124,330 | 3,562 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 1,400 |
| Cost of funding earning assets | 0.9446% | 803 |
| Net interest margin | 3.8071% | 2,422 |
| Noninterest income to average assets | 0.7016% | 2,579 |
| Noninterest expense to average assets | 3.5542% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4579% | 4,881 |
| Return on assets (ROA) | 0.4579% | 5,045 |
| Pretax return on assets | 0.6390% | 4,809 |
| Return on Equity (ROE) | 5.3379% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.3379% | 3,035 |
| Net charge-offs to loans | 0.0658% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 1,624 |
| Efficiency ratio | 84.7604% | 1,673 |
| Assets per employee ($millions) | 3.8273% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 6,604 |
| Loan loss allowance to noncurrent loans | 114.3581% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 4,681 |
| Noncurrent loans to loans | 0.6097% | 4,922 |
| Net loans and leases to total assets | 78.7277% | 537 |
| Net loans and leases to deposits | 90.5727% | 911 |
| Net loans and leases to core deposits | 95.1329% | 1,259 |
| Total domestic deposits to total assets | 86.9221% | 3,005 |
| Equity capital to assets | 8.5610% | 5,952 |
| Core capital (leverage) ratio | 8.5610% | 5,495 |
| Tier 1 risk-based capital ratio | 13.9527% | 4,541 |
| Total risk-based capital ratio | 14.8536% | 4,760 |
| Memoranda: | ||
| Average total assets | $121,435,000 | 4,359 |
| Average earning assets | $111,372,000 | 4,348 |
| Average equity | $10,416,000 | 4,900 |
| Average total loans | $97,293,500 | 3,584 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 1,360 |
| Cost of funding earning assets | 1.1814% | 630 |
| Net interest margin | 3.8951% | 2,850 |
| Noninterest income to average assets | 0.7088% | 2,680 |
| Noninterest expense to average assets | 3.6053% | 1,596 |
| Loan and lease loss provision to assets | 0.3970% | 1,640 |
| Net operating income to assets | 0.2076% | 5,764 |
| Return on assets (ROA) | 0.2076% | 5,945 |
| Pretax return on assets | 0.2787% | 5,857 |
| Return on Equity (ROE) | 2.4615% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.4615% | 4,505 |
| Net charge-offs to loans | 0.3675% | 2,792 |
| Credit loss provision to net charge-offs | 130.0813% | 2,150 |
| Earnings coverage of net charge-offs (x) | 2.2141% | 4,320 |
| Efficiency ratio | 84.2156% | 1,607 |
| Assets per employee ($millions) | 3.8837% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 6,621 |
| Loan loss allowance to noncurrent loans | 119.4828% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 4,422 |
| Noncurrent loans to loans | 0.5949% | 5,036 |
| Net loans and leases to total assets | 80.3980% | 434 |
| Net loans and leases to deposits | 92.4994% | 872 |
| Net loans and leases to core deposits | 97.1126% | 1,215 |
| Total domestic deposits to total assets | 86.9173% | 2,881 |
| Equity capital to assets | 8.5941% | 5,970 |
| Core capital (leverage) ratio | 8.5941% | 5,470 |
| Tier 1 risk-based capital ratio | 13.8351% | 4,510 |
| Total risk-based capital ratio | 14.7617% | 4,694 |
| Memoranda: | ||
| Average total assets | $120,904,000 | 4,345 |
| Average earning assets | $110,883,800 | 4,318 |
| Average equity | $10,197,000 | 4,936 |
| Average total loans | $100,402,600 | 3,513 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 1,405 |
| Cost of funding earning assets | 1.2318% | 597 |
| Net interest margin | 3.8792% | 2,985 |
| Noninterest income to average assets | 0.7282% | 2,584 |
| Noninterest expense to average assets | 3.4657% | 1,843 |
| Loan and lease loss provision to assets | 0.5288% | 1,125 |
| Net operating income to assets | 0.2225% | 5,857 |
| Return on assets (ROA) | 0.2225% | 6,032 |
| Pretax return on assets | 0.2930% | 5,970 |
| Return on Equity (ROE) | 2.6510% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.6510% | 4,974 |
| Net charge-offs to loans | 0.4865% | 2,158 |
| Credit loss provision to net charge-offs | 130.0813% | 2,217 |
| Earnings coverage of net charge-offs (x) | 2.0217% | 4,258 |
| Efficiency ratio | 80.8325% | 1,968 |
| Assets per employee ($millions) | 3.9043% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 6,755 |
| Loan loss allowance to noncurrent loans | 80.9579% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0559% | 4,184 |
| Noncurrent loans to loans | 0.8544% | 4,707 |
| Net loans and leases to total assets | 82.2000% | 327 |
| Net loans and leases to deposits | 94.4241% | 757 |
| Net loans and leases to core deposits | 99.5936% | 1,153 |
| Total domestic deposits to total assets | 87.0541% | 2,632 |
| Equity capital to assets | 8.5084% | 6,252 |
| Core capital (leverage) ratio | 8.5084% | 5,737 |
| Tier 1 risk-based capital ratio | 13.1290% | 5,148 |
| Total risk-based capital ratio | 14.0125% | 5,394 |
| Memoranda: | ||
| Average total assets | $121,031,000 | 4,375 |
| Average earning assets | $111,052,250 | 4,363 |
| Average equity | $10,159,500 | 4,991 |
| Average total loans | $101,131,000 | 3,536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 1,392 |
| Cost of funding earning assets | 1.2712% | 596 |
| Net interest margin | 3.8731% | 3,022 |
| Noninterest income to average assets | 0.6164% | 3,161 |
| Noninterest expense to average assets | 3.4570% | 1,887 |
| Loan and lease loss provision to assets | 0.7932% | 639 |
| Net operating income to assets | -0.0231% | 6,353 |
| Return on assets (ROA) | -0.0231% | 6,475 |
| Pretax return on assets | -0.0793% | 6,505 |
| Return on Equity (ROE) | -0.2769% | 6,481 |
| Retained earnings to average equity (ytd only) | -0.2769% | 6,087 |
| Net charge-offs to loans | 0.7137% | 1,554 |
| Credit loss provision to net charge-offs | 132.5967% | 2,069 |
| Earnings coverage of net charge-offs (x) | 1.1934% | 4,411 |
| Efficiency ratio | 82.8843% | 1,764 |
| Assets per employee ($millions) | 3.6227% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 6,827 |
| Loan loss allowance to noncurrent loans | 86.3132% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 4,287 |
| Noncurrent loans to loans | 0.8140% | 4,883 |
| Net loans and leases to total assets | 82.7518% | 285 |
| Net loans and leases to deposits | 94.9761% | 699 |
| Net loans and leases to core deposits | 100.5162% | 1,062 |
| Total domestic deposits to total assets | 87.1291% | 2,700 |
| Equity capital to assets | 8.4334% | 6,272 |
| Core capital (leverage) ratio | 8.3966% | 5,797 |
| Tier 1 risk-based capital ratio | 13.2165% | 5,021 |
| Total risk-based capital ratio | 14.1386% | 5,239 |
| Memoranda: | ||
| Average total assets | $121,030,000 | 4,396 |
| Average earning assets | $111,072,670 | 4,382 |
| Average equity | $10,113,330 | 5,007 |
| Average total loans | $101,447,000 | 3,534 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 1,412 |
| Cost of funding earning assets | 1.3025% | 625 |
| Net interest margin | 3.8538% | 3,123 |
| Noninterest income to average assets | 0.3383% | 5,153 |
| Noninterest expense to average assets | 3.4557% | 1,859 |
| Loan and lease loss provision to assets | 0.0657% | 4,595 |
| Net operating income to assets | 0.2168% | 5,934 |
| Return on assets (ROA) | 0.2168% | 6,079 |
| Pretax return on assets | 0.3548% | 5,843 |
| Return on Equity (ROE) | 2.6064% | 5,862 |
| Retained earnings to average equity (ytd only) | 2.6064% | 4,954 |
| Net charge-offs to loans | 0.0078% | 4,622 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 525 |
| Efficiency ratio | 89.1525% | 1,162 |
| Assets per employee ($millions) | 4.1221% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5860% | 6,996 |
| Loan loss allowance to noncurrent loans | 69.2841% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 4,219 |
| Noncurrent loans to loans | 0.8458% | 4,985 |
| Net loans and leases to total assets | 82.3107% | 262 |
| Net loans and leases to deposits | 94.0382% | 660 |
| Net loans and leases to core deposits | 99.3005% | 1,033 |
| Total domestic deposits to total assets | 87.5289% | 2,635 |
| Equity capital to assets | 8.2176% | 6,343 |
| Core capital (leverage) ratio | 8.1284% | 6,122 |
| Tier 1 risk-based capital ratio | 12.7401% | 5,406 |
| Total risk-based capital ratio | 13.5013% | 5,765 |
| Memoranda: | ||
| Average total assets | $121,770,500 | 4,415 |
| Average earning assets | $111,786,500 | 4,391 |
| Average equity | $10,129,000 | 5,007 |
| Average total loans | $102,356,000 | 3,530 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 1,797 |
| Cost of funding earning assets | 1.6047% | 470 |
| Net interest margin | 3.6685% | 4,439 |
| Noninterest income to average assets | 0.4487% | 4,223 |
| Noninterest expense to average assets | 3.2608% | 2,652 |
| Loan and lease loss provision to assets | 0.0485% | 5,979 |
| Net operating income to assets | 0.3444% | 5,093 |
| Return on assets (ROA) | 0.3444% | 5,246 |
| Pretax return on assets | 0.5053% | 4,975 |
| Return on Equity (ROE) | 4.3119% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.3119% | 3,109 |
| Net charge-offs to loans | 0.0363% | 5,951 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 18.0263% | 1,237 |
| Efficiency ratio | 85.4811% | 1,619 |
| Assets per employee ($millions) | 3.9960% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5688% | 7,039 |
| Loan loss allowance to noncurrent loans | 59.3878% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.2281% | 2,701 |
| Noncurrent loans to loans | 0.9577% | 4,789 |
| Net loans and leases to total assets | 84.8714% | 170 |
| Net loans and leases to deposits | 97.3328% | 599 |
| Net loans and leases to core deposits | 102.6981% | 982 |
| Total domestic deposits to total assets | 87.1971% | 2,645 |
| Equity capital to assets | 8.4218% | 6,232 |
| Core capital (leverage) ratio | 8.2818% | 5,877 |
| Tier 1 risk-based capital ratio | 12.5648% | 5,396 |
| Total risk-based capital ratio | 13.3025% | 5,781 |
| Memoranda: | ||
| Average total assets | $123,680,000 | 4,297 |
| Average earning assets | $113,480,200 | 4,293 |
| Average equity | $9,879,600 | 5,054 |
| Average total loans | $104,693,400 | 3,509 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 2,047 |
| Cost of funding earning assets | 1.6669% | 444 |
| Net interest margin | 3.5785% | 4,856 |
| Noninterest income to average assets | 0.4226% | 4,494 |
| Noninterest expense to average assets | 3.2201% | 2,768 |
| Loan and lease loss provision to assets | 0.0535% | 5,779 |
| Net operating income to assets | 0.3006% | 5,394 |
| Return on assets (ROA) | 0.3006% | 5,566 |
| Pretax return on assets | 0.4333% | 5,363 |
| Return on Equity (ROE) | 3.8131% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.8131% | 4,014 |
| Net charge-offs to loans | 0.0317% | 5,705 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 18.2013% | 1,314 |
| Efficiency ratio | 86.8687% | 1,448 |
| Assets per employee ($millions) | 4.1632% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 7,125 |
| Loan loss allowance to noncurrent loans | 55.8739% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.2747% | 2,817 |
| Noncurrent loans to loans | 1.0032% | 4,885 |
| Net loans and leases to total assets | 83.0957% | 284 |
| Net loans and leases to deposits | 95.4432% | 732 |
| Net loans and leases to core deposits | 101.4348% | 1,123 |
| Total domestic deposits to total assets | 87.0629% | 2,610 |
| Equity capital to assets | 7.9674% | 6,713 |
| Core capital (leverage) ratio | 7.7865% | 6,572 |
| Tier 1 risk-based capital ratio | 12.3274% | 5,643 |
| Total risk-based capital ratio | 13.0704% | 6,008 |
| Memoranda: | ||
| Average total assets | $124,630,250 | 4,303 |
| Average earning assets | $114,383,500 | 4,299 |
| Average equity | $9,825,500 | 5,090 |
| Average total loans | $105,285,500 | 3,516 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 1,864 |
| Cost of funding earning assets | 1.7181% | 435 |
| Net interest margin | 3.5887% | 4,759 |
| Noninterest income to average assets | 0.4705% | 4,104 |
| Noninterest expense to average assets | 3.1636% | 3,034 |
| Loan and lease loss provision to assets | 0.0803% | 5,305 |
| Net operating income to assets | 0.3629% | 5,117 |
| Return on assets (ROA) | 0.3629% | 5,256 |
| Pretax return on assets | 0.5171% | 5,002 |
| Return on Equity (ROE) | 4.6199% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.6199% | 3,244 |
| Net charge-offs to loans | 0.0474% | 5,188 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 14.8800% | 1,450 |
| Efficiency ratio | 84.1161% | 1,802 |
| Assets per employee ($millions) | 3.8182% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 7,185 |
| Loan loss allowance to noncurrent loans | 142.9268% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 3,335 |
| Noncurrent loans to loans | 0.3938% | 6,116 |
| Net loans and leases to total assets | 84.7390% | 191 |
| Net loans and leases to deposits | 97.5871% | 616 |
| Net loans and leases to core deposits | 103.8913% | 1,049 |
| Total domestic deposits to total assets | 86.8343% | 2,831 |
| Equity capital to assets | 8.0995% | 6,600 |
| Core capital (leverage) ratio | 7.9574% | 6,350 |
| Tier 1 risk-based capital ratio | 12.0456% | 5,750 |
| Total risk-based capital ratio | 12.7736% | 6,137 |
| Memoranda: | ||
| Average total assets | $124,541,330 | 4,333 |
| Average earning assets | $114,192,670 | 4,329 |
| Average equity | $9,783,670 | 5,102 |
| Average total loans | $105,591,000 | 3,547 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 1,736 |
| Cost of funding earning assets | 1.7471% | 451 |
| Net interest margin | 3.5982% | 4,576 |
| Noninterest income to average assets | 0.4263% | 4,484 |
| Noninterest expense to average assets | 3.0766% | 3,352 |
| Loan and lease loss provision to assets | 0.1273% | 4,404 |
| Net operating income to assets | 0.3659% | 5,095 |
| Return on assets (ROA) | 0.3659% | 5,181 |
| Pretax return on assets | 0.5250% | 4,943 |
| Return on Equity (ROE) | 4.7289% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.7289% | 3,363 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5085% | 2,151 |
| Assets per employee ($millions) | 3.9013% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5671% | 7,239 |
| Loan loss allowance to noncurrent loans | 75.8838% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.2260% | 3,038 |
| Noncurrent loans to loans | 0.7474% | 5,526 |
| Net loans and leases to total assets | 84.4026% | 210 |
| Net loans and leases to deposits | 96.7700% | 636 |
| Net loans and leases to core deposits | 102.8321% | 1,142 |
| Total domestic deposits to total assets | 87.2197% | 2,814 |
| Equity capital to assets | 7.8380% | 6,645 |
| Core capital (leverage) ratio | 7.6493% | 6,603 |
| Tier 1 risk-based capital ratio | 11.5288% | 6,079 |
| Total risk-based capital ratio | 12.2567% | 6,488 |
| Memoranda: | ||
| Average total assets | $125,721,500 | 4,340 |
| Average earning assets | $115,392,500 | 4,315 |
| Average equity | $9,727,500 | 5,115 |
| Average total loans | $106,326,000 | 3,573 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1075% | 4,065 |
| Cost of funding earning assets | 1.9981% | 614 |
| Net interest margin | 3.1094% | 6,499 |
| Noninterest income to average assets | 0.2887% | 5,720 |
| Noninterest expense to average assets | 2.8238% | 4,503 |
| Loan and lease loss provision to assets | 0.1371% | 5,802 |
| Net operating income to assets | 0.1762% | 5,357 |
| Return on assets (ROA) | 0.1762% | 5,521 |
| Pretax return on assets | 0.1930% | 5,503 |
| Return on Equity (ROE) | 2.4143% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.4143% | 4,180 |
| Net charge-offs to loans | 0.0615% | 6,171 |
| Credit loss provision to net charge-offs | 275.3846% | 989 |
| Earnings coverage of net charge-offs (x) | 6.6308% | 2,319 |
| Efficiency ratio | 89.5338% | 1,358 |
| Assets per employee ($millions) | 4.0839% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5259% | 7,338 |
| Loan loss allowance to noncurrent loans | 37.9567% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 2.8973% | 2,423 |
| Noncurrent loans to loans | 1.3854% | 4,406 |
| Net loans and leases to total assets | 83.8225% | 317 |
| Net loans and leases to deposits | 96.7392% | 799 |
| Net loans and leases to core deposits | 103.4812% | 1,353 |
| Total domestic deposits to total assets | 86.6479% | 3,006 |
| Equity capital to assets | 7.6381% | 6,789 |
| Core capital (leverage) ratio | 7.4217% | 6,766 |
| Tier 1 risk-based capital ratio | 10.9061% | 6,407 |
| Total risk-based capital ratio | 11.5588% | 6,795 |
| Memoranda: | ||
| Average total assets | $130,566,600 | 4,247 |
| Average earning assets | $120,314,000 | 4,224 |
| Average equity | $9,526,400 | 5,255 |
| Average total loans | $105,760,000 | 3,633 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 4,640 |
| Cost of funding earning assets | 2.0355% | 672 |
| Net interest margin | 3.0016% | 6,828 |
| Noninterest income to average assets | 0.2453% | 6,137 |
| Noninterest expense to average assets | 2.7151% | 4,814 |
| Loan and lease loss provision to assets | 0.1611% | 5,422 |
| Net operating income to assets | 0.1480% | 5,645 |
| Return on assets (ROA) | 0.1480% | 5,802 |
| Pretax return on assets | 0.1368% | 5,859 |
| Return on Equity (ROE) | 2.0511% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.0511% | 4,930 |
| Net charge-offs to loans | 0.0821% | 5,706 |
| Credit loss provision to net charge-offs | 244.6154% | 1,372 |
| Earnings coverage of net charge-offs (x) | 4.5233% | 3,018 |
| Efficiency ratio | 90.1110% | 1,278 |
| Assets per employee ($millions) | 4.0067% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4992% | 7,457 |
| Loan loss allowance to noncurrent loans | 35.5453% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 2.7711% | 2,613 |
| Noncurrent loans to loans | 1.4044% | 4,510 |
| Net loans and leases to total assets | 84.1009% | 326 |
| Net loans and leases to deposits | 96.7562% | 904 |
| Net loans and leases to core deposits | 103.7026% | 1,512 |
| Total domestic deposits to total assets | 86.9204% | 2,580 |
| Equity capital to assets | 7.4765% | 7,142 |
| Core capital (leverage) ratio | 7.1426% | 7,092 |
| Tier 1 risk-based capital ratio | 10.2623% | 6,923 |
| Total risk-based capital ratio | 10.8167% | 7,232 |
| Memoranda: | ||
| Average total assets | $131,557,750 | 4,287 |
| Average earning assets | $121,309,500 | 4,255 |
| Average equity | $9,490,500 | 5,344 |
| Average total loans | $105,529,500 | 3,692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 5,047 |
| Cost of funding earning assets | 2.0513% | 767 |
| Net interest margin | 2.9250% | 6,979 |
| Noninterest income to average assets | 0.1613% | 6,740 |
| Noninterest expense to average assets | 2.6290% | 5,209 |
| Loan and lease loss provision to assets | 0.2171% | 4,714 |
| Net operating income to assets | 0.0829% | 5,914 |
| Return on assets (ROA) | 0.0829% | 6,018 |
| Pretax return on assets | 0.0151% | 6,129 |
| Return on Equity (ROE) | 1.1630% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.1630% | 5,285 |
| Net charge-offs to loans | 0.0784% | 5,356 |
| Credit loss provision to net charge-offs | 351.2195% | 1,040 |
| Earnings coverage of net charge-offs (x) | 3.7561% | 3,191 |
| Efficiency ratio | 91.8862% | 1,194 |
| Assets per employee ($millions) | 4.0317% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5181% | 7,486 |
| Loan loss allowance to noncurrent loans | 43.1711% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 2.4450% | 2,945 |
| Noncurrent loans to loans | 1.2001% | 4,960 |
| Net loans and leases to total assets | 79.3807% | 893 |
| Net loans and leases to deposits | 90.7499% | 1,735 |
| Net loans and leases to core deposits | 96.6957% | 2,361 |
| Total domestic deposits to total assets | 87.4719% | 2,269 |
| Equity capital to assets | 7.1367% | 7,296 |
| Core capital (leverage) ratio | 6.8468% | 7,264 |
| Tier 1 risk-based capital ratio | 10.6904% | 6,536 |
| Total risk-based capital ratio | 11.2673% | 6,994 |
| Memoranda: | ||
| Average total assets | $132,672,000 | 4,286 |
| Average earning assets | $122,461,330 | 4,257 |
| Average equity | $9,458,670 | 5,353 |
| Average total loans | $104,582,330 | 3,754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 5,281 |
| Cost of funding earning assets | 2.0601% | 914 |
| Net interest margin | 2.8777% | 7,057 |
| Noninterest income to average assets | 0.0362% | 7,527 |
| Noninterest expense to average assets | 2.5029% | 5,718 |
| Loan and lease loss provision to assets | 0.3532% | 3,259 |
| Net operating income to assets | -0.0030% | 6,292 |
| Return on assets (ROA) | -0.0030% | 6,402 |
| Pretax return on assets | -0.1630% | 6,520 |
| Return on Equity (ROE) | -0.0424% | 6,410 |
| Retained earnings to average equity (ytd only) | -0.0424% | 5,836 |
| Net charge-offs to loans | 0.1580% | 3,979 |
| Credit loss provision to net charge-offs | 285.3659% | 1,381 |
| Earnings coverage of net charge-offs (x) | 1.5366% | 3,810 |
| Efficiency ratio | 92.9372% | 1,206 |
| Assets per employee ($millions) | 4.0464% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 7,590 |
| Loan loss allowance to noncurrent loans | 46.9479% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.3470% | 3,097 |
| Noncurrent loans to loans | 1.0597% | 5,222 |
| Net loans and leases to total assets | 78.3384% | 1,086 |
| Net loans and leases to deposits | 89.4841% | 1,988 |
| Net loans and leases to core deposits | 94.9617% | 2,704 |
| Total domestic deposits to total assets | 87.5445% | 2,337 |
| Equity capital to assets | 7.0695% | 7,338 |
| Core capital (leverage) ratio | 6.7749% | 7,364 |
| Tier 1 risk-based capital ratio | 10.4393% | 6,689 |
| Total risk-based capital ratio | 11.0447% | 7,156 |
| Memoranda: | ||
| Average total assets | $132,485,500 | 4,350 |
| Average earning assets | $122,322,000 | 4,318 |
| Average equity | $9,440,500 | 5,413 |
| Average total loans | $103,792,500 | 3,829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 4,319 |
| Cost of funding earning assets | 2.4348% | 1,195 |
| Net interest margin | 3.0365% | 6,549 |
| Noninterest income to average assets | 0.2439% | 6,352 |
| Noninterest expense to average assets | 2.9867% | 4,201 |
| Loan and lease loss provision to assets | 0.0838% | 6,769 |
| Net operating income to assets | 0.0176% | 5,435 |
| Return on assets (ROA) | 0.0176% | 5,481 |
| Pretax return on assets | -0.0268% | 5,488 |
| Return on Equity (ROE) | 0.2216% | 5,463 |
| Retained earnings to average equity (ytd only) | 0.2216% | 4,780 |
| Net charge-offs to loans | 0.0346% | 6,781 |
| Credit loss provision to net charge-offs | 294.1176% | 1,136 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,222 |
| Efficiency ratio | 98.1278% | 1,208 |
| Assets per employee ($millions) | 4.1075% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4363% | 7,724 |
| Loan loss allowance to noncurrent loans | 57.5290% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.4156% | 2,880 |
| Noncurrent loans to loans | 0.7584% | 5,754 |
| Net loans and leases to total assets | 77.6088% | 1,465 |
| Net loans and leases to deposits | 88.8480% | 2,411 |
| Net loans and leases to core deposits | 117.8818% | 2,146 |
| Total domestic deposits to total assets | 87.3501% | 2,300 |
| Equity capital to assets | 7.1827% | 7,272 |
| Core capital (leverage) ratio | 6.9214% | 7,300 |
| Tier 1 risk-based capital ratio | 11.0246% | 5,896 |
| Total risk-based capital ratio | 11.5678% | 6,542 |
| Memoranda: | ||
| Average total assets | $119,330,800 | 4,592 |
| Average earning assets | $110,027,800 | 4,564 |
| Average equity | $9,477,200 | 5,454 |
| Average total loans | $98,146,600 | 4,003 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 3,814 |
| Cost of funding earning assets | 2.5166% | 1,242 |
| Net interest margin | 3.0923% | 6,332 |
| Noninterest income to average assets | 0.2281% | 6,593 |
| Noninterest expense to average assets | 2.8889% | 4,505 |
| Loan and lease loss provision to assets | 0.1146% | 6,220 |
| Net operating income to assets | 0.0871% | 5,509 |
| Return on assets (ROA) | 0.0871% | 5,557 |
| Pretax return on assets | 0.0757% | 5,567 |
| Return on Equity (ROE) | 1.0682% | 5,474 |
| Retained earnings to average equity (ytd only) | 1.0682% | 4,719 |
| Net charge-offs to loans | 0.0467% | 6,258 |
| Credit loss provision to net charge-offs | 294.1176% | 1,410 |
| Earnings coverage of net charge-offs (x) | 4.8826% | 2,985 |
| Efficiency ratio | 93.8198% | 1,412 |
| Assets per employee ($millions) | 3.7406% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4417% | 7,783 |
| Loan loss allowance to noncurrent loans | 50.4515% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.8505% | 2,440 |
| Noncurrent loans to loans | 0.8754% | 5,540 |
| Net loans and leases to total assets | 84.1812% | 520 |
| Net loans and leases to deposits | 97.9232% | 1,339 |
| Net loans and leases to core deposits | 133.5100% | 1,235 |
| Total domestic deposits to total assets | 85.9665% | 2,717 |
| Equity capital to assets | 7.9332% | 6,907 |
| Core capital (leverage) ratio | 7.6895% | 6,744 |
| Tier 1 risk-based capital ratio | 11.4260% | 5,498 |
| Total risk-based capital ratio | 11.9824% | 6,185 |
| Memoranda: | ||
| Average total assets | $116,303,500 | 4,690 |
| Average earning assets | $107,230,500 | 4,671 |
| Average equity | $9,486,250 | 5,491 |
| Average total loans | $97,069,250 | 4,061 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6917% | 3,586 |
| Cost of funding earning assets | 2.5908% | 1,311 |
| Net interest margin | 3.1010% | 6,235 |
| Noninterest income to average assets | 0.2744% | 6,306 |
| Noninterest expense to average assets | 2.7298% | 5,256 |
| Loan and lease loss provision to assets | 0.1615% | 5,451 |
| Net operating income to assets | 0.1910% | 5,295 |
| Return on assets (ROA) | 0.1910% | 5,372 |
| Pretax return on assets | 0.2431% | 5,344 |
| Return on Equity (ROE) | 2.3199% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.3199% | 4,044 |
| Net charge-offs to loans | 0.0502% | 5,779 |
| Credit loss provision to net charge-offs | 387.5000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 9.7083% | 2,085 |
| Efficiency ratio | 87.0914% | 2,117 |
| Assets per employee ($millions) | 3.5261% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4551% | 7,836 |
| Loan loss allowance to noncurrent loans | 73.7705% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.5453% | 2,529 |
| Noncurrent loans to loans | 0.6170% | 6,021 |
| Net loans and leases to total assets | 87.2265% | 292 |
| Net loans and leases to deposits | 95.4645% | 1,879 |
| Net loans and leases to core deposits | 133.2043% | 1,355 |
| Total domestic deposits to total assets | 91.3706% | 350 |
| Equity capital to assets | 8.4451% | 6,132 |
| Core capital (leverage) ratio | 8.2206% | 5,948 |
| Tier 1 risk-based capital ratio | 12.1710% | 4,785 |
| Total risk-based capital ratio | 12.7629% | 5,292 |
| Memoranda: | ||
| Average total assets | $115,171,670 | 4,746 |
| Average earning assets | $106,224,000 | 4,716 |
| Average equity | $9,483,000 | 5,519 |
| Average total loans | $95,688,670 | 4,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 3,865 |
| Cost of funding earning assets | 2.5613% | 1,695 |
| Net interest margin | 3.1271% | 6,115 |
| Noninterest income to average assets | 0.2579% | 6,385 |
| Noninterest expense to average assets | 2.5443% | 5,672 |
| Loan and lease loss provision to assets | 0.2235% | 4,218 |
| Net operating income to assets | 0.2751% | 5,385 |
| Return on assets (ROA) | 0.2751% | 5,555 |
| Pretax return on assets | 0.3782% | 5,456 |
| Return on Equity (ROE) | 3.3827% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.3827% | 3,999 |
| Net charge-offs to loans | 0.1063% | 4,117 |
| Credit loss provision to net charge-offs | 260.0000% | 1,816 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,402 |
| Efficiency ratio | 80.8743% | 2,691 |
| Assets per employee ($millions) | 3.9262% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4450% | 7,902 |
| Loan loss allowance to noncurrent loans | 103.9506% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 2.1683% | 2,647 |
| Noncurrent loans to loans | 0.4280% | 6,351 |
| Net loans and leases to total assets | 77.3932% | 1,954 |
| Net loans and leases to deposits | 84.0916% | 3,969 |
| Net loans and leases to core deposits | 129.6608% | 1,685 |
| Total domestic deposits to total assets | 92.0344% | 181 |
| Equity capital to assets | 7.8054% | 7,063 |
| Core capital (leverage) ratio | 7.5958% | 7,033 |
| Tier 1 risk-based capital ratio | 12.0951% | 4,877 |
| Total risk-based capital ratio | 12.6472% | 5,411 |
| Memoranda: | ||
| Average total assets | $116,340,000 | 4,742 |
| Average earning assets | $107,447,000 | 4,705 |
| Average equity | $9,460,000 | 5,549 |
| Average total loans | $94,097,000 | 4,207 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1263% | 4,916 |
| Cost of funding earning assets | 3.0138% | 1,825 |
| Net interest margin | 3.1125% | 6,615 |
| Noninterest income to average assets | 0.2745% | 6,496 |
| Noninterest expense to average assets | 2.9403% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1599% | 5,958 |
| Return on assets (ROA) | 0.2574% | 5,499 |
| Pretax return on assets | 0.3516% | 5,390 |
| Return on Equity (ROE) | 3.0817% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.0817% | 3,246 |
| Net charge-offs to loans | 0.0242% | 6,508 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 11.0455% | 2,419 |
| Efficiency ratio | 93.0986% | 1,318 |
| Assets per employee ($millions) | 3.5796% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4072% | 7,969 |
| Loan loss allowance to noncurrent loans | 76.6600% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 2.0528% | 2,395 |
| Noncurrent loans to loans | 0.5311% | 5,763 |
| Net loans and leases to total assets | 83.9838% | 891 |
| Net loans and leases to deposits | 91.9102% | 3,149 |
| Net loans and leases to core deposits | 127.7620% | 2,023 |
| Total domestic deposits to total assets | 91.3760% | 229 |
| Equity capital to assets | 8.4889% | 6,102 |
| Core capital (leverage) ratio | 8.2234% | 6,119 |
| Tier 1 risk-based capital ratio | 12.1320% | 4,718 |
| Total risk-based capital ratio | 12.6400% | 5,246 |
| Memoranda: | ||
| Average total assets | $111,486,200 | 4,735 |
| Average earning assets | $103,293,200 | 4,703 |
| Average equity | $9,313,000 | 5,628 |
| Average total loans | $90,957,600 | 4,199 |