Home > Century Savings and Loan Association > Performance and Condition Ratios
Century Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 4,479 |
| Cost of funding earning assets | 0.7170% | 3,905 |
| Net interest margin | 2.5090% | 4,083 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2155% | 3,081 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.3906% | 3,891 |
| Return on assets (ROA) | 0.0012% | 4,353 |
| Pretax return on assets | -0.0583% | 4,388 |
| Return on Equity (ROE) | 0.0100% | 4,343 |
| Retained earnings to average equity (ytd only) | 0.0106% | 4,041 |
| Net charge-offs to loans | -0.0141% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.3573% | 541 |
| Assets per employee ($millions) | 5.9284% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 507 |
| Loan loss allowance to noncurrent loans | 195.0867% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 1,334 |
| Noncurrent loans to loans | 0.9391% | 794 |
| Net loans and leases to total assets | 43.5800% | 3,915 |
| Net loans and leases to deposits | 49.9330% | 3,950 |
| Net loans and leases to core deposits | 57.6587% | 3,849 |
| Total domestic deposits to total assets | 87.2700% | 1,599 |
| Equity capital to assets | 11.4052% | 1,327 |
| Core capital (leverage) ratio | 17.3468% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $83,999,200 | 3,983 |
| Average earning assets | $77,959,200 | 3,949 |
| Average equity | $9,472,400 | 3,776 |
| Average total loans | $35,457,000 | 4,061 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3060% | 4,453 |
| Cost of funding earning assets | 0.7274% | 3,701 |
| Net interest margin | 2.5786% | 4,054 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.1444% | 3,228 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 0.4764% | 3,811 |
| Return on assets (ROA) | -0.0411% | 4,435 |
| Pretax return on assets | -0.0886% | 4,440 |
| Return on Equity (ROE) | -0.3700% | 4,408 |
| Retained earnings to average equity (ytd only) | -0.3659% | 4,192 |
| Net charge-offs to loans | -0.0190% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.2837% | 783 |
| Assets per employee ($millions) | 5.8765% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 439 |
| Loan loss allowance to noncurrent loans | 198.3003% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 1,258 |
| Noncurrent loans to loans | 0.9764% | 839 |
| Net loans and leases to total assets | 46.4100% | 3,812 |
| Net loans and leases to deposits | 53.7508% | 3,798 |
| Net loans and leases to core deposits | 63.5844% | 3,553 |
| Total domestic deposits to total assets | 86.3400% | 2,089 |
| Equity capital to assets | 11.2246% | 1,265 |
| Core capital (leverage) ratio | 17.1287% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $84,249,750 | 3,992 |
| Average earning assets | $77,715,000 | 3,970 |
| Average equity | $9,474,000 | 3,775 |
| Average total loans | $35,110,750 | 4,087 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 4,497 |
| Cost of funding earning assets | 0.6400% | 3,658 |
| Net interest margin | 2.5623% | 4,147 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.2287% | 2,996 |
| Loan and lease loss provision to assets | -0.1100% | 4,574 |
| Net operating income to assets | 0.4611% | 3,889 |
| Return on assets (ROA) | -0.2901% | 4,536 |
| Pretax return on assets | -0.4720% | 4,551 |
| Return on Equity (ROE) | -2.5800% | 4,505 |
| Retained earnings to average equity (ytd only) | -2.5784% | 4,321 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.7396% | 507 |
| Assets per employee ($millions) | 5.9599% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 457 |
| Loan loss allowance to noncurrent loans | 190.1370% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 1,218 |
| Noncurrent loans to loans | 1.0256% | 735 |
| Net loans and leases to total assets | 41.8200% | 3,974 |
| Net loans and leases to deposits | 51.4881% | 3,860 |
| Net loans and leases to core deposits | 60.3191% | 3,615 |
| Total domestic deposits to total assets | 81.2200% | 3,391 |
| Equity capital to assets | 11.0680% | 1,367 |
| Core capital (leverage) ratio | 15.8522% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $86,868,000 | 3,983 |
| Average earning assets | $79,693,000 | 3,973 |
| Average equity | $9,773,667 | 3,770 |
| Average total loans | $34,763,000 | 4,101 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 4,456 |
| Cost of funding earning assets | 0.4244% | 3,899 |
| Net interest margin | 2.8471% | 3,872 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1359% | 3,286 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 0.7672% | 3,304 |
| Return on assets (ROA) | 0.1580% | 4,367 |
| Pretax return on assets | 0.1671% | 4,367 |
| Return on Equity (ROE) | 1.3900% | 4,353 |
| Retained earnings to average equity (ytd only) | 1.3940% | 3,805 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.8418% | 1,259 |
| Assets per employee ($millions) | 6.1574% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 376 |
| Loan loss allowance to noncurrent loans | 189.7638% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 1,159 |
| Noncurrent loans to loans | 1.1116% | 639 |
| Net loans and leases to total assets | 38.9200% | 4,084 |
| Net loans and leases to deposits | 48.1447% | 3,956 |
| Net loans and leases to core deposits | 56.7416% | 3,705 |
| Total domestic deposits to total assets | 80.8500% | 3,658 |
| Equity capital to assets | 11.7293% | 1,080 |
| Core capital (leverage) ratio | 15.3012% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,582,500 | 4,010 |
| Average earning assets | $81,064,000 | 4,007 |
| Average equity | $10,043,000 | 3,783 |
| Average total loans | $34,350,500 | 4,163 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7745% | 4,348 |
| Cost of funding earning assets | 0.4500% | 1,727 |
| Net interest margin | 2.3246% | 4,410 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9127% | 3,805 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.3661% | 4,290 |
| Return on assets (ROA) | 0.1879% | 4,439 |
| Pretax return on assets | 0.1941% | 4,451 |
| Return on Equity (ROE) | 1.6300% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.6251% | 4,069 |
| Net charge-offs to loans | -0.2763% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.0432% | 715 |
| Assets per employee ($millions) | 6.4973% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 326 |
| Loan loss allowance to noncurrent loans | 47.9638% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 168 |
| Noncurrent loans to loans | 4.4938% | 71 |
| Net loans and leases to total assets | 37.0300% | 4,178 |
| Net loans and leases to deposits | 45.1696% | 4,078 |
| Net loans and leases to core deposits | 53.4939% | 3,830 |
| Total domestic deposits to total assets | 81.9800% | 3,634 |
| Equity capital to assets | 10.9661% | 1,270 |
| Core capital (leverage) ratio | 14.6019% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $96,880,600 | 3,954 |
| Average earning assets | $89,564,800 | 3,934 |
| Average equity | $11,199,400 | 3,743 |
| Average total loans | $31,483,000 | 4,218 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7308% | 4,267 |
| Cost of funding earning assets | 0.4700% | 879 |
| Net interest margin | 2.2608% | 4,432 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.0807% | 3,264 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.1545% | 4,505 |
| Return on assets (ROA) | 0.1112% | 4,509 |
| Pretax return on assets | 0.1179% | 4,508 |
| Return on Equity (ROE) | 0.9500% | 4,499 |
| Retained earnings to average equity (ytd only) | 0.9502% | 4,222 |
| Net charge-offs to loans | -0.3773% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.3481% | 340 |
| Assets per employee ($millions) | 6.3223% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 356 |
| Loan loss allowance to noncurrent loans | 46.6754% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.6017% | 201 |
| Noncurrent loans to loans | 4.6873% | 67 |
| Net loans and leases to total assets | 33.4200% | 4,326 |
| Net loans and leases to deposits | 40.5921% | 4,218 |
| Net loans and leases to core deposits | 49.2006% | 3,986 |
| Total domestic deposits to total assets | 82.3400% | 3,783 |
| Equity capital to assets | 10.6396% | 1,315 |
| Core capital (leverage) ratio | 14.1116% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $98,360,250 | 3,966 |
| Average earning assets | $91,056,750 | 3,947 |
| Average equity | $11,505,500 | 3,763 |
| Average total loans | $30,747,500 | 4,253 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6772% | 4,174 |
| Cost of funding earning assets | 0.4797% | 589 |
| Net interest margin | 2.1975% | 4,436 |
| Noninterest income to average assets | 0.2311% | 3,796 |
| Noninterest expense to average assets | 2.0576% | 3,271 |
| Loan and lease loss provision to assets | 0.0844% | 1,179 |
| Net operating income to assets | 0.1226% | 4,494 |
| Return on assets (ROA) | 0.1226% | 4,461 |
| Pretax return on assets | 0.1326% | 4,463 |
| Return on Equity (ROE) | 1.0186% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.0186% | 3,992 |
| Net charge-offs to loans | -0.5763% | 4,700 |
| Credit loss provision to net charge-offs | -48.2759% | 3,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4594% | 387 |
| Assets per employee ($millions) | 6.5111% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2034% | 384 |
| Loan loss allowance to noncurrent loans | 44.7403% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 216 |
| Noncurrent loans to loans | 4.9248% | 65 |
| Net loans and leases to total assets | 31.3118% | 4,417 |
| Net loans and leases to deposits | 39.9214% | 4,270 |
| Net loans and leases to core deposits | 48.9633% | 3,982 |
| Total domestic deposits to total assets | 78.4336% | 4,333 |
| Equity capital to assets | 10.6670% | 1,366 |
| Core capital (leverage) ratio | 13.8812% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,535,667 | 3,995 |
| Average earning assets | $92,559,333 | 3,986 |
| Average equity | $11,977,333 | 3,786 |
| Average total loans | $30,194,333 | 4,311 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5361% | 4,220 |
| Cost of funding earning assets | 0.4782% | 555 |
| Net interest margin | 2.0579% | 4,477 |
| Noninterest income to average assets | 0.2190% | 3,847 |
| Noninterest expense to average assets | 2.0424% | 3,319 |
| Loan and lease loss provision to assets | 0.1354% | 598 |
| Net operating income to assets | -0.0080% | 4,553 |
| Return on assets (ROA) | -0.0080% | 4,534 |
| Pretax return on assets | -0.0398% | 4,539 |
| Return on Equity (ROE) | -0.0627% | 4,532 |
| Retained earnings to average equity (ytd only) | -0.0627% | 4,018 |
| Net charge-offs to loans | -1.1734% | 4,746 |
| Credit loss provision to net charge-offs | -39.0805% | 2,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5307% | 340 |
| Assets per employee ($millions) | 6.6060% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 387 |
| Loan loss allowance to noncurrent loans | 165.2913% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 1,455 |
| Noncurrent loans to loans | 1.3778% | 622 |
| Net loans and leases to total assets | 29.4894% | 4,458 |
| Net loans and leases to deposits | 38.1769% | 4,319 |
| Net loans and leases to core deposits | 46.9995% | 4,027 |
| Total domestic deposits to total assets | 77.2439% | 4,447 |
| Equity capital to assets | 12.0123% | 947 |
| Core capital (leverage) ratio | 14.0961% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,470,500 | 4,001 |
| Average earning assets | $93,688,500 | 3,987 |
| Average equity | $12,757,000 | 3,785 |
| Average total loans | $29,656,500 | 4,333 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4722% | 4,502 |
| Cost of funding earning assets | 0.5458% | 732 |
| Net interest margin | 1.9263% | 4,632 |
| Noninterest income to average assets | 0.2261% | 4,025 |
| Noninterest expense to average assets | 2.0530% | 3,522 |
| Loan and lease loss provision to assets | -0.1746% | 4,662 |
| Net operating income to assets | 0.1488% | 4,581 |
| Return on assets (ROA) | 0.1488% | 4,594 |
| Pretax return on assets | 0.1468% | 4,607 |
| Return on Equity (ROE) | 1.0820% | 4,602 |
| Retained earnings to average equity (ytd only) | 1.0820% | 4,238 |
| Net charge-offs to loans | -0.0889% | 4,549 |
| Credit loss provision to net charge-offs | 676.9231% | 682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3712% | 136 |
| Assets per employee ($millions) | 7.2751% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 716 |
| Loan loss allowance to noncurrent loans | 124.3902% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 1,488 |
| Noncurrent loans to loans | 1.5334% | 583 |
| Net loans and leases to total assets | 28.3257% | 4,560 |
| Net loans and leases to deposits | 37.1716% | 4,441 |
| Net loans and leases to core deposits | 45.5745% | 4,202 |
| Total domestic deposits to total assets | 76.2025% | 4,502 |
| Equity capital to assets | 13.3636% | 807 |
| Core capital (leverage) ratio | 13.8304% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,829,600 | 3,980 |
| Average earning assets | $94,169,000 | 3,973 |
| Average equity | $13,863,200 | 3,754 |
| Average total loans | $29,249,800 | 4,393 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3763% | 4,641 |
| Cost of funding earning assets | 0.5607% | 789 |
| Net interest margin | 1.8156% | 4,739 |
| Noninterest income to average assets | 0.2227% | 4,076 |
| Noninterest expense to average assets | 2.0853% | 3,408 |
| Loan and lease loss provision to assets | -0.2635% | 4,808 |
| Net operating income to assets | 0.1127% | 4,690 |
| Return on assets (ROA) | 0.1127% | 4,707 |
| Pretax return on assets | 0.0968% | 4,716 |
| Return on Equity (ROE) | 0.8138% | 4,702 |
| Retained earnings to average equity (ytd only) | 0.8138% | 4,444 |
| Net charge-offs to loans | -0.1187% | 4,671 |
| Credit loss provision to net charge-offs | 765.3846% | 607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7077% | 110 |
| Assets per employee ($millions) | 7.2729% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 890 |
| Loan loss allowance to noncurrent loans | 104.2553% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 1,501 |
| Noncurrent loans to loans | 1.7499% | 566 |
| Net loans and leases to total assets | 28.4865% | 4,633 |
| Net loans and leases to deposits | 37.5528% | 4,527 |
| Net loans and leases to core deposits | 46.1209% | 4,317 |
| Total domestic deposits to total assets | 75.8574% | 4,552 |
| Equity capital to assets | 13.7350% | 796 |
| Core capital (leverage) ratio | 13.8461% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,574,250 | 4,033 |
| Average earning assets | $93,924,250 | 4,023 |
| Average equity | $13,926,250 | 3,796 |
| Average total loans | $29,209,500 | 4,449 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3323% | 4,707 |
| Cost of funding earning assets | 0.5724% | 860 |
| Net interest margin | 1.7599% | 4,796 |
| Noninterest income to average assets | 0.2256% | 4,047 |
| Noninterest expense to average assets | 2.1546% | 3,226 |
| Loan and lease loss provision to assets | -0.3594% | 4,864 |
| Net operating income to assets | 0.0879% | 4,725 |
| Return on assets (ROA) | 0.0879% | 4,741 |
| Pretax return on assets | 0.0759% | 4,750 |
| Return on Equity (ROE) | 0.6328% | 4,741 |
| Retained earnings to average equity (ytd only) | 0.6328% | 4,406 |
| Net charge-offs to loans | -0.1787% | 4,776 |
| Credit loss provision to net charge-offs | 692.3077% | 583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1547% | 90 |
| Assets per employee ($millions) | 6.7464% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 674 |
| Loan loss allowance to noncurrent loans | 91.3257% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 1,385 |
| Noncurrent loans to loans | 2.1314% | 435 |
| Net loans and leases to total assets | 27.7758% | 4,708 |
| Net loans and leases to deposits | 36.6371% | 4,617 |
| Net loans and leases to core deposits | 45.0781% | 4,426 |
| Total domestic deposits to total assets | 75.8133% | 4,571 |
| Equity capital to assets | 13.7130% | 773 |
| Core capital (leverage) ratio | 13.8714% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,159,000 | 4,064 |
| Average earning assets | $93,643,333 | 4,050 |
| Average equity | $13,906,667 | 3,803 |
| Average total loans | $29,098,000 | 4,483 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3944% | 4,717 |
| Cost of funding earning assets | 0.5911% | 913 |
| Net interest margin | 1.8033% | 4,805 |
| Noninterest income to average assets | 0.2208% | 4,059 |
| Noninterest expense to average assets | 2.2240% | 3,032 |
| Loan and lease loss provision to assets | 0.0040% | 2,701 |
| Net operating income to assets | -0.1927% | 4,837 |
| Return on assets (ROA) | -0.1927% | 4,840 |
| Pretax return on assets | -0.3171% | 4,861 |
| Return on Equity (ROE) | -1.3792% | 4,839 |
| Retained earnings to average equity (ytd only) | -1.3792% | 4,499 |
| Net charge-offs to loans | -0.3548% | 4,869 |
| Credit loss provision to net charge-offs | -3.8462% | 2,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3866% | 85 |
| Assets per employee ($millions) | 6.6531% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5259% | 249 |
| Loan loss allowance to noncurrent loans | 116.9304% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 1,499 |
| Noncurrent loans to loans | 2.1602% | 470 |
| Net loans and leases to total assets | 28.5760% | 4,736 |
| Net loans and leases to deposits | 37.7627% | 4,632 |
| Net loans and leases to core deposits | 46.5714% | 4,418 |
| Total domestic deposits to total assets | 75.6726% | 4,600 |
| Equity capital to assets | 13.7199% | 735 |
| Core capital (leverage) ratio | 14.1519% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,640,500 | 4,079 |
| Average earning assets | $93,385,500 | 4,061 |
| Average equity | $13,921,500 | 3,801 |
| Average total loans | $29,314,000 | 4,507 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9301% | 4,686 |
| Cost of funding earning assets | 0.7348% | 1,543 |
| Net interest margin | 2.1953% | 4,762 |
| Noninterest income to average assets | 0.2218% | 4,169 |
| Noninterest expense to average assets | 2.1629% | 3,779 |
| Loan and lease loss provision to assets | -0.0272% | 4,919 |
| Net operating income to assets | 0.1444% | 4,633 |
| Return on assets (ROA) | 0.1643% | 4,665 |
| Pretax return on assets | 0.1570% | 4,675 |
| Return on Equity (ROE) | 1.1171% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.1171% | 4,181 |
| Net charge-offs to loans | 0.0067% | 3,103 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,109 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 1,155 |
| Efficiency ratio | 95.1657% | 248 |
| Assets per employee ($millions) | 6.6323% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4276% | 288 |
| Loan loss allowance to noncurrent loans | 120.0337% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 1,767 |
| Noncurrent loans to loans | 2.0224% | 561 |
| Net loans and leases to total assets | 28.8066% | 4,784 |
| Net loans and leases to deposits | 38.3497% | 4,694 |
| Net loans and leases to core deposits | 47.1721% | 4,510 |
| Total domestic deposits to total assets | 75.1156% | 4,569 |
| Equity capital to assets | 14.2244% | 746 |
| Core capital (leverage) ratio | 14.0797% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,568,200 | 4,049 |
| Average earning assets | $89,281,000 | 4,040 |
| Average equity | $14,053,800 | 3,752 |
| Average total loans | $29,952,000 | 4,520 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0822% | 4,674 |
| Cost of funding earning assets | 0.7615% | 1,670 |
| Net interest margin | 2.3207% | 4,771 |
| Noninterest income to average assets | 0.2340% | 4,096 |
| Noninterest expense to average assets | 2.2609% | 3,525 |
| Loan and lease loss provision to assets | -0.0201% | 4,969 |
| Net operating income to assets | 0.1621% | 4,641 |
| Return on assets (ROA) | 0.1621% | 4,680 |
| Pretax return on assets | 0.1579% | 4,689 |
| Return on Equity (ROE) | 1.0929% | 4,690 |
| Retained earnings to average equity (ytd only) | 1.0929% | 4,225 |
| Net charge-offs to loans | 0.0089% | 2,788 |
| Credit loss provision to net charge-offs | -700.0000% | 3,845 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,206 |
| Efficiency ratio | 94.2421% | 256 |
| Assets per employee ($millions) | 6.5648% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4239% | 255 |
| Loan loss allowance to noncurrent loans | 115.0794% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 1,827 |
| Noncurrent loans to loans | 2.1063% | 567 |
| Net loans and leases to total assets | 29.6379% | 4,832 |
| Net loans and leases to deposits | 39.6568% | 4,758 |
| Net loans and leases to core deposits | 49.2973% | 4,595 |
| Total domestic deposits to total assets | 74.7360% | 4,524 |
| Equity capital to assets | 14.4396% | 747 |
| Core capital (leverage) ratio | 14.1786% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,589,250 | 4,061 |
| Average earning assets | $88,245,500 | 4,055 |
| Average equity | $14,029,500 | 3,760 |
| Average total loans | $30,097,250 | 4,538 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1680% | 4,738 |
| Cost of funding earning assets | 0.7690% | 1,998 |
| Net interest margin | 2.3990% | 4,794 |
| Noninterest income to average assets | 0.2337% | 4,082 |
| Noninterest expense to average assets | 2.2466% | 3,663 |
| Loan and lease loss provision to assets | 0.0021% | 4,125 |
| Net operating income to assets | 0.2165% | 4,550 |
| Return on assets (ROA) | 0.2165% | 4,593 |
| Pretax return on assets | 0.2187% | 4,619 |
| Return on Equity (ROE) | 1.4463% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.4463% | 3,956 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0513% | 365 |
| Assets per employee ($millions) | 6.4457% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4600% | 236 |
| Loan loss allowance to noncurrent loans | 114.1321% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 1,819 |
| Noncurrent loans to loans | 2.1554% | 589 |
| Net loans and leases to total assets | 30.4701% | 4,849 |
| Net loans and leases to deposits | 41.0146% | 4,769 |
| Net loans and leases to core deposits | 50.7791% | 4,606 |
| Total domestic deposits to total assets | 74.2907% | 4,571 |
| Equity capital to assets | 14.7003% | 683 |
| Core capital (leverage) ratio | 14.6597% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,295,000 | 4,079 |
| Average earning assets | $86,868,000 | 4,065 |
| Average equity | $13,966,333 | 3,768 |
| Average total loans | $30,159,667 | 4,558 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 4,740 |
| Cost of funding earning assets | 0.7717% | 2,536 |
| Net interest margin | 2.6208% | 4,736 |
| Noninterest income to average assets | 0.2140% | 4,268 |
| Noninterest expense to average assets | 2.3493% | 3,656 |
| Loan and lease loss provision to assets | 0.0044% | 3,686 |
| Net operating income to assets | 0.2271% | 4,482 |
| Return on assets (ROA) | 0.2271% | 4,504 |
| Pretax return on assets | 0.2926% | 4,465 |
| Return on Equity (ROE) | 1.5026% | 4,546 |
| Retained earnings to average equity (ytd only) | 1.5026% | 3,604 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7789% | 547 |
| Assets per employee ($millions) | 6.2808% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4701% | 257 |
| Loan loss allowance to noncurrent loans | 125.2525% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 2,108 |
| Noncurrent loans to loans | 1.9721% | 730 |
| Net loans and leases to total assets | 31.1807% | 4,884 |
| Net loans and leases to deposits | 42.2002% | 4,796 |
| Net loans and leases to core deposits | 52.5848% | 4,617 |
| Total domestic deposits to total assets | 73.8876% | 4,669 |
| Equity capital to assets | 14.7402% | 823 |
| Core capital (leverage) ratio | 15.2743% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,600,000 | 4,095 |
| Average earning assets | $85,011,500 | 4,091 |
| Average equity | $13,843,000 | 3,790 |
| Average total loans | $30,138,000 | 4,589 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 4,748 |
| Cost of funding earning assets | 0.7041% | 3,144 |
| Net interest margin | 2.9231% | 4,630 |
| Noninterest income to average assets | 0.2796% | 4,010 |
| Noninterest expense to average assets | 2.4196% | 3,633 |
| Loan and lease loss provision to assets | 0.0579% | 2,877 |
| Net operating income to assets | 0.4294% | 4,545 |
| Return on assets (ROA) | 0.4249% | 4,581 |
| Pretax return on assets | 0.5221% | 4,532 |
| Return on Equity (ROE) | 2.8927% | 4,680 |
| Retained earnings to average equity (ytd only) | 2.8927% | 3,584 |
| Net charge-offs to loans | 0.2529% | 818 |
| Credit loss provision to net charge-offs | 73.6111% | 2,867 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,878 |
| Efficiency ratio | 80.5162% | 901 |
| Assets per employee ($millions) | 5.5618% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4639% | 225 |
| Loan loss allowance to noncurrent loans | 120.8130% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 1,874 |
| Noncurrent loans to loans | 2.0394% | 625 |
| Net loans and leases to total assets | 33.0528% | 4,918 |
| Net loans and leases to deposits | 41.7561% | 4,872 |
| Net loans and leases to core deposits | 51.8108% | 4,714 |
| Total domestic deposits to total assets | 79.1567% | 4,159 |
| Equity capital to assets | 15.5066% | 685 |
| Core capital (leverage) ratio | 15.3127% | 626 |
| Tier 1 risk-based capital ratio | 41.6614% | 223 |
| Total risk-based capital ratio | 42.9221% | 218 |
| Memoranda: | ||
| Average total assets | $91,544,600 | 4,119 |
| Average earning assets | $85,354,600 | 4,105 |
| Average equity | $13,447,600 | 3,829 |
| Average total loans | $28,470,400 | 4,672 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 4,899 |
| Cost of funding earning assets | 0.6824% | 3,295 |
| Net interest margin | 2.8954% | 4,762 |
| Noninterest income to average assets | 0.2025% | 4,506 |
| Noninterest expense to average assets | 2.4270% | 3,621 |
| Loan and lease loss provision to assets | 0.0391% | 3,123 |
| Net operating income to assets | 0.3706% | 4,770 |
| Return on assets (ROA) | 0.3645% | 4,801 |
| Pretax return on assets | 0.4296% | 4,776 |
| Return on Equity (ROE) | 2.5149% | 4,838 |
| Retained earnings to average equity (ytd only) | 2.5149% | 4,086 |
| Net charge-offs to loans | 0.3423% | 495 |
| Credit loss provision to net charge-offs | 37.5000% | 2,870 |
| Earnings coverage of net charge-offs (x) | 4.5694% | 2,995 |
| Efficiency ratio | 83.6074% | 641 |
| Assets per employee ($millions) | 5.6449% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4160% | 248 |
| Loan loss allowance to noncurrent loans | 96.5007% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 1,675 |
| Noncurrent loans to loans | 2.5036% | 463 |
| Net loans and leases to total assets | 32.0641% | 5,020 |
| Net loans and leases to deposits | 40.3584% | 4,986 |
| Net loans and leases to core deposits | 49.4789% | 4,849 |
| Total domestic deposits to total assets | 79.4484% | 4,094 |
| Equity capital to assets | 15.1297% | 817 |
| Core capital (leverage) ratio | 15.1474% | 708 |
| Tier 1 risk-based capital ratio | 40.5089% | 234 |
| Total risk-based capital ratio | 41.7708% | 231 |
| Memoranda: | ||
| Average total assets | $92,183,750 | 4,160 |
| Average earning assets | $85,973,750 | 4,150 |
| Average equity | $13,359,750 | 3,874 |
| Average total loans | $28,049,000 | 4,747 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 4,864 |
| Cost of funding earning assets | 0.6777% | 3,287 |
| Net interest margin | 2.9906% | 4,709 |
| Noninterest income to average assets | 0.1983% | 4,570 |
| Noninterest expense to average assets | 2.4266% | 3,669 |
| Loan and lease loss provision to assets | 0.0539% | 2,743 |
| Net operating income to assets | 0.4202% | 4,697 |
| Return on assets (ROA) | 0.4202% | 4,722 |
| Pretax return on assets | 0.5043% | 4,696 |
| Return on Equity (ROE) | 2.9416% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.9416% | 3,744 |
| Net charge-offs to loans | 0.5235% | 298 |
| Credit loss provision to net charge-offs | 34.7222% | 2,572 |
| Earnings coverage of net charge-offs (x) | 3.5972% | 2,826 |
| Efficiency ratio | 81.2996% | 852 |
| Assets per employee ($millions) | 5.6809% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5351% | 214 |
| Loan loss allowance to noncurrent loans | 111.1975% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 1,937 |
| Noncurrent loans to loans | 2.2798% | 576 |
| Net loans and leases to total assets | 30.2429% | 5,094 |
| Net loans and leases to deposits | 35.9888% | 5,110 |
| Net loans and leases to core deposits | 44.1590% | 4,995 |
| Total domestic deposits to total assets | 84.0341% | 2,844 |
| Equity capital to assets | 14.9768% | 816 |
| Core capital (leverage) ratio | 14.9544% | 714 |
| Tier 1 risk-based capital ratio | 43.6124% | 188 |
| Total risk-based capital ratio | 44.8771% | 187 |
| Memoranda: | ||
| Average total assets | $92,805,330 | 4,178 |
| Average earning assets | $86,471,000 | 4,167 |
| Average equity | $13,258,000 | 3,891 |
| Average total loans | $27,506,330 | 4,797 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 4,958 |
| Cost of funding earning assets | 0.6681% | 3,216 |
| Net interest margin | 2.9424% | 4,834 |
| Noninterest income to average assets | 0.1920% | 4,604 |
| Noninterest expense to average assets | 2.4019% | 3,768 |
| Loan and lease loss provision to assets | 0.1067% | 1,672 |
| Net operating income to assets | 0.3626% | 4,809 |
| Return on assets (ROA) | 0.3626% | 4,818 |
| Pretax return on assets | 0.4266% | 4,805 |
| Return on Equity (ROE) | 2.5993% | 4,871 |
| Retained earnings to average equity (ytd only) | 2.5993% | 3,889 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8314% | 891 |
| Assets per employee ($millions) | 5.8118% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8323% | 159 |
| Loan loss allowance to noncurrent loans | 95.5097% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 1,591 |
| Noncurrent loans to loans | 2.9654% | 374 |
| Net loans and leases to total assets | 29.0360% | 5,163 |
| Net loans and leases to deposits | 34.2197% | 5,170 |
| Net loans and leases to core deposits | 43.5350% | 5,051 |
| Total domestic deposits to total assets | 84.8518% | 2,732 |
| Equity capital to assets | 14.2072% | 968 |
| Core capital (leverage) ratio | 14.4158% | 836 |
| Tier 1 risk-based capital ratio | 41.1094% | 221 |
| Total risk-based capital ratio | 42.3723% | 216 |
| Memoranda: | ||
| Average total assets | $93,761,000 | 4,204 |
| Average earning assets | $87,411,500 | 4,194 |
| Average equity | $13,080,500 | 3,934 |
| Average total loans | $27,157,500 | 4,862 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1447% | 5,175 |
| Cost of funding earning assets | 0.6573% | 2,340 |
| Net interest margin | 2.4874% | 5,221 |
| Noninterest income to average assets | 0.1974% | 4,720 |
| Noninterest expense to average assets | 2.1973% | 4,346 |
| Loan and lease loss provision to assets | 0.0574% | 3,015 |
| Net operating income to assets | 0.2392% | 5,072 |
| Return on assets (ROA) | 0.2392% | 5,070 |
| Pretax return on assets | 0.2663% | 5,072 |
| Return on Equity (ROE) | 1.7950% | 5,071 |
| Retained earnings to average equity (ytd only) | 1.7950% | 4,428 |
| Net charge-offs to loans | 0.2068% | 927 |
| Credit loss provision to net charge-offs | 105.7692% | 2,413 |
| Earnings coverage of net charge-offs (x) | 5.9615% | 3,140 |
| Efficiency ratio | 87.1582% | 468 |
| Assets per employee ($millions) | 5.9084% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8724% | 148 |
| Loan loss allowance to noncurrent loans | 139.3053% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 2,308 |
| Noncurrent loans to loans | 2.0620% | 647 |
| Net loans and leases to total assets | 27.2558% | 5,240 |
| Net loans and leases to deposits | 31.8945% | 5,246 |
| Net loans and leases to core deposits | 41.2540% | 5,143 |
| Total domestic deposits to total assets | 85.4560% | 2,453 |
| Equity capital to assets | 13.6988% | 1,067 |
| Core capital (leverage) ratio | 14.0227% | 916 |
| Tier 1 risk-based capital ratio | 46.6345% | 155 |
| Total risk-based capital ratio | 47.9018% | 153 |
| Memoranda: | ||
| Average total assets | $95,754,800 | 4,172 |
| Average earning assets | $89,450,800 | 4,152 |
| Average equity | $12,758,000 | 3,920 |
| Average total loans | $25,147,600 | 4,933 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0713% | 5,258 |
| Cost of funding earning assets | 0.6535% | 2,132 |
| Net interest margin | 2.4179% | 5,314 |
| Noninterest income to average assets | 0.1555% | 4,996 |
| Noninterest expense to average assets | 2.1680% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2248% | 5,183 |
| Return on assets (ROA) | 0.2248% | 5,177 |
| Pretax return on assets | 0.2471% | 5,175 |
| Return on Equity (ROE) | 1.6994% | 5,164 |
| Retained earnings to average equity (ytd only) | 1.6994% | 4,676 |
| Net charge-offs to loans | 0.0430% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 22.2427% | 1,889 |
| Efficiency ratio | 89.7701% | 333 |
| Assets per employee ($millions) | 5.9871% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0248% | 136 |
| Loan loss allowance to noncurrent loans | 113.4441% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 2,128 |
| Noncurrent loans to loans | 2.6663% | 463 |
| Net loans and leases to total assets | 25.1341% | 5,335 |
| Net loans and leases to deposits | 29.2619% | 5,347 |
| Net loans and leases to core deposits | 37.9333% | 5,268 |
| Total domestic deposits to total assets | 85.8937% | 2,244 |
| Equity capital to assets | 13.2263% | 1,244 |
| Core capital (leverage) ratio | 13.8182% | 991 |
| Tier 1 risk-based capital ratio | 43.2978% | 187 |
| Total risk-based capital ratio | 44.5617% | 184 |
| Memoranda: | ||
| Average total assets | $96,060,000 | 4,209 |
| Average earning assets | $89,773,750 | 4,193 |
| Average equity | $12,710,000 | 3,956 |
| Average total loans | $24,802,500 | 5,001 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0242% | 5,325 |
| Cost of funding earning assets | 0.6426% | 1,973 |
| Net interest margin | 2.3816% | 5,390 |
| Noninterest income to average assets | 0.1851% | 4,903 |
| Noninterest expense to average assets | 2.1508% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2371% | 5,191 |
| Return on assets (ROA) | 0.2371% | 5,186 |
| Pretax return on assets | 0.2621% | 5,195 |
| Return on Equity (ROE) | 1.7920% | 5,200 |
| Retained earnings to average equity (ytd only) | 1.7920% | 4,529 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1379% | 406 |
| Assets per employee ($millions) | 5.9617% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0342% | 135 |
| Loan loss allowance to noncurrent loans | 101.3316% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 1,906 |
| Noncurrent loans to loans | 2.9943% | 381 |
| Net loans and leases to total assets | 25.4961% | 5,391 |
| Net loans and leases to deposits | 29.7038% | 5,398 |
| Net loans and leases to core deposits | 38.8672% | 5,303 |
| Total domestic deposits to total assets | 85.8345% | 2,352 |
| Equity capital to assets | 13.2932% | 1,187 |
| Core capital (leverage) ratio | 13.8287% | 952 |
| Tier 1 risk-based capital ratio | 49.8757% | 135 |
| Total risk-based capital ratio | 51.1448% | 133 |
| Memoranda: | ||
| Average total assets | $96,148,670 | 4,241 |
| Average earning assets | $89,941,330 | 4,224 |
| Average equity | $12,723,330 | 3,978 |
| Average total loans | $24,794,000 | 5,064 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0625% | 5,337 |
| Cost of funding earning assets | 0.6284% | 1,857 |
| Net interest margin | 2.4340% | 5,429 |
| Noninterest income to average assets | 0.1740% | 4,985 |
| Noninterest expense to average assets | 2.1258% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2859% | 5,120 |
| Return on assets (ROA) | 0.2859% | 5,123 |
| Pretax return on assets | 0.3274% | 5,135 |
| Return on Equity (ROE) | 2.1656% | 5,156 |
| Retained earnings to average equity (ytd only) | 2.1656% | 4,299 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6554% | 599 |
| Assets per employee ($millions) | 5.9691% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0561% | 148 |
| Loan loss allowance to noncurrent loans | 98.5843% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 1,949 |
| Noncurrent loans to loans | 3.0999% | 378 |
| Net loans and leases to total assets | 25.4426% | 5,443 |
| Net loans and leases to deposits | 29.6228% | 5,454 |
| Net loans and leases to core deposits | 39.1276% | 5,326 |
| Total domestic deposits to total assets | 85.8887% | 2,594 |
| Equity capital to assets | 13.2621% | 1,130 |
| Core capital (leverage) ratio | 13.7393% | 934 |
| Tier 1 risk-based capital ratio | 44.7496% | 175 |
| Total risk-based capital ratio | 46.0143% | 173 |
| Memoranda: | ||
| Average total assets | $96,529,500 | 4,280 |
| Average earning assets | $90,384,500 | 4,262 |
| Average equity | $12,745,000 | 4,004 |
| Average total loans | $24,650,500 | 5,120 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8899% | 5,419 |
| Cost of funding earning assets | 0.6156% | 1,500 |
| Net interest margin | 2.2743% | 5,514 |
| Noninterest income to average assets | 0.1691% | 5,108 |
| Noninterest expense to average assets | 1.9749% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0574% | 5,299 |
| Return on assets (ROA) | 0.0658% | 5,293 |
| Pretax return on assets | 0.3362% | 5,174 |
| Return on Equity (ROE) | 0.4993% | 5,311 |
| Retained earnings to average equity (ytd only) | 0.4993% | 4,834 |
| Net charge-offs to loans | 0.1162% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.3929% | 2,577 |
| Efficiency ratio | 85.9409% | 650 |
| Assets per employee ($millions) | 6.5036% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1606% | 119 |
| Loan loss allowance to noncurrent loans | 98.4576% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 1,954 |
| Noncurrent loans to loans | 3.2101% | 331 |
| Net loans and leases to total assets | 24.0585% | 5,531 |
| Net loans and leases to deposits | 27.9628% | 5,542 |
| Net loans and leases to core deposits | 36.9281% | 5,441 |
| Total domestic deposits to total assets | 86.0375% | 2,417 |
| Equity capital to assets | 13.1455% | 1,195 |
| Core capital (leverage) ratio | 13.3557% | 1,015 |
| Tier 1 risk-based capital ratio | 44.6288% | 162 |
| Total risk-based capital ratio | 45.8968% | 159 |
| Memoranda: | ||
| Average total assets | $98,737,000 | 4,260 |
| Average earning assets | $92,424,600 | 4,231 |
| Average equity | $13,017,800 | 3,982 |
| Average total loans | $24,100,600 | 5,187 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8970% | 5,480 |
| Cost of funding earning assets | 0.6113% | 1,453 |
| Net interest margin | 2.2857% | 5,578 |
| Noninterest income to average assets | 0.1737% | 5,147 |
| Noninterest expense to average assets | 1.9804% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2544% | 5,292 |
| Return on assets (ROA) | 0.2679% | 5,288 |
| Pretax return on assets | 0.3500% | 5,261 |
| Return on Equity (ROE) | 2.0307% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.0307% | 4,625 |
| Net charge-offs to loans | 0.1330% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.2916% | 2,610 |
| Efficiency ratio | 85.6228% | 649 |
| Assets per employee ($millions) | 6.1931% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2224% | 125 |
| Loan loss allowance to noncurrent loans | 91.7857% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 1,691 |
| Noncurrent loans to loans | 3.5108% | 313 |
| Net loans and leases to total assets | 23.3679% | 5,612 |
| Net loans and leases to deposits | 27.5589% | 5,614 |
| Net loans and leases to core deposits | 36.5227% | 5,518 |
| Total domestic deposits to total assets | 84.7925% | 2,800 |
| Equity capital to assets | 13.3042% | 1,249 |
| Core capital (leverage) ratio | 13.3564% | 1,080 |
| Tier 1 risk-based capital ratio | 45.2045% | 164 |
| Total risk-based capital ratio | 46.4724% | 161 |
| Memoranda: | ||
| Average total assets | $99,032,750 | 4,298 |
| Average earning assets | $92,690,750 | 4,262 |
| Average equity | $13,066,250 | 4,017 |
| Average total loans | $24,066,750 | 5,241 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8717% | 5,523 |
| Cost of funding earning assets | 0.6063% | 1,403 |
| Net interest margin | 2.2654% | 5,625 |
| Noninterest income to average assets | 0.1717% | 5,191 |
| Noninterest expense to average assets | 1.9452% | 5,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2628% | 5,301 |
| Return on assets (ROA) | 0.2828% | 5,276 |
| Pretax return on assets | 0.3737% | 5,225 |
| Return on Equity (ROE) | 2.1493% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.1493% | 4,393 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8458% | 778 |
| Assets per employee ($millions) | 6.1857% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3440% | 120 |
| Loan loss allowance to noncurrent loans | 82.8810% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 1,811 |
| Noncurrent loans to loans | 4.0347% | 236 |
| Net loans and leases to total assets | 23.1886% | 5,659 |
| Net loans and leases to deposits | 27.3309% | 5,662 |
| Net loans and leases to core deposits | 36.4187% | 5,561 |
| Total domestic deposits to total assets | 84.8440% | 2,871 |
| Equity capital to assets | 13.2857% | 1,238 |
| Core capital (leverage) ratio | 13.3600% | 1,033 |
| Tier 1 risk-based capital ratio | 49.1476% | 127 |
| Total risk-based capital ratio | 50.4169% | 125 |
| Memoranda: | ||
| Average total assets | $99,014,000 | 4,325 |
| Average earning assets | $92,698,000 | 4,299 |
| Average equity | $13,027,330 | 4,036 |
| Average total loans | $24,113,670 | 5,277 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8548% | 5,570 |
| Cost of funding earning assets | 0.6037% | 1,346 |
| Net interest margin | 2.2511% | 5,678 |
| Noninterest income to average assets | 0.1858% | 5,162 |
| Noninterest expense to average assets | 2.0437% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2060% | 5,387 |
| Return on assets (ROA) | 0.2060% | 5,399 |
| Pretax return on assets | 0.2504% | 5,375 |
| Return on Equity (ROE) | 1.5733% | 5,408 |
| Retained earnings to average equity (ytd only) | 1.5733% | 4,473 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0845% | 604 |
| Assets per employee ($millions) | 6.1878% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3059% | 133 |
| Loan loss allowance to noncurrent loans | 83.2461% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 1,906 |
| Noncurrent loans to loans | 3.9712% | 262 |
| Net loans and leases to total assets | 23.4869% | 5,705 |
| Net loans and leases to deposits | 27.6289% | 5,711 |
| Net loans and leases to core deposits | 36.6992% | 5,606 |
| Total domestic deposits to total assets | 85.0087% | 3,086 |
| Equity capital to assets | 13.1348% | 1,206 |
| Core capital (leverage) ratio | 13.2601% | 1,054 |
| Tier 1 risk-based capital ratio | 46.0385% | 164 |
| Total risk-based capital ratio | 47.3093% | 160 |
| Memoranda: | ||
| Average total assets | $99,035,500 | 4,368 |
| Average earning assets | $92,755,500 | 4,339 |
| Average equity | $12,966,500 | 4,067 |
| Average total loans | $24,298,500 | 5,326 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8990% | 5,581 |
| Cost of funding earning assets | 0.6190% | 1,218 |
| Net interest margin | 2.2799% | 5,717 |
| Noninterest income to average assets | 0.1117% | 5,611 |
| Noninterest expense to average assets | 1.9869% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2033% | 5,411 |
| Return on assets (ROA) | 0.2033% | 5,466 |
| Pretax return on assets | 0.2526% | 5,425 |
| Return on Equity (ROE) | 1.5575% | 5,479 |
| Retained earnings to average equity (ytd only) | 1.5575% | 4,635 |
| Net charge-offs to loans | 0.1939% | 1,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.0200% | 3,402 |
| Efficiency ratio | 88.7191% | 628 |
| Assets per employee ($millions) | 6.1917% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2425% | 137 |
| Loan loss allowance to noncurrent loans | 78.5785% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 1,735 |
| Noncurrent loans to loans | 4.1264% | 241 |
| Net loans and leases to total assets | 23.9767% | 5,755 |
| Net loans and leases to deposits | 28.1824% | 5,761 |
| Net loans and leases to core deposits | 37.3422% | 5,651 |
| Total domestic deposits to total assets | 85.0768% | 3,015 |
| Equity capital to assets | 13.0508% | 1,236 |
| Core capital (leverage) ratio | 13.1944% | 1,062 |
| Tier 1 risk-based capital ratio | 45.9272% | 168 |
| Total risk-based capital ratio | 47.1963% | 164 |
| Memoranda: | ||
| Average total assets | $99,349,400 | 4,359 |
| Average earning assets | $92,722,800 | 4,332 |
| Average equity | $12,969,800 | 4,091 |
| Average total loans | $25,782,000 | 5,322 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9636% | 5,598 |
| Cost of funding earning assets | 0.6157% | 1,237 |
| Net interest margin | 2.3478% | 5,753 |
| Noninterest income to average assets | 0.1287% | 5,607 |
| Noninterest expense to average assets | 1.9741% | 5,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2615% | 5,369 |
| Return on assets (ROA) | 0.2615% | 5,441 |
| Pretax return on assets | 0.3433% | 5,388 |
| Return on Equity (ROE) | 2.0030% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.0030% | 4,684 |
| Net charge-offs to loans | 0.2555% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.1195% | 3,172 |
| Efficiency ratio | 85.1852% | 886 |
| Assets per employee ($millions) | 6.2548% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0911% | 171 |
| Loan loss allowance to noncurrent loans | 81.9959% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 1,714 |
| Noncurrent loans to loans | 3.7698% | 319 |
| Net loans and leases to total assets | 24.9678% | 5,812 |
| Net loans and leases to deposits | 30.0686% | 5,812 |
| Net loans and leases to core deposits | 39.9888% | 5,681 |
| Total domestic deposits to total assets | 83.0361% | 3,580 |
| Equity capital to assets | 13.0739% | 1,457 |
| Core capital (leverage) ratio | 13.1694% | 1,124 |
| Tier 1 risk-based capital ratio | 45.6567% | 171 |
| Total risk-based capital ratio | 46.9261% | 171 |
| Memoranda: | ||
| Average total assets | $99,420,000 | 4,390 |
| Average earning assets | $92,679,250 | 4,374 |
| Average equity | $12,980,000 | 4,127 |
| Average total loans | $26,090,250 | 5,368 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9664% | 5,673 |
| Cost of funding earning assets | 0.6145% | 1,227 |
| Net interest margin | 2.3519% | 5,835 |
| Noninterest income to average assets | 0.1794% | 5,419 |
| Noninterest expense to average assets | 1.9738% | 5,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2964% | 5,338 |
| Return on assets (ROA) | 0.2964% | 5,424 |
| Pretax return on assets | 0.3972% | 5,349 |
| Return on Equity (ROE) | 2.2711% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.2711% | 4,429 |
| Net charge-offs to loans | 0.2520% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.9697% | 2,794 |
| Efficiency ratio | 83.2483% | 1,121 |
| Assets per employee ($millions) | 6.5942% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1887% | 162 |
| Loan loss allowance to noncurrent loans | 87.1795% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2496% | 1,640 |
| Noncurrent loans to loans | 3.6577% | 354 |
| Net loans and leases to total assets | 25.0463% | 5,882 |
| Net loans and leases to deposits | 30.2221% | 5,881 |
| Net loans and leases to core deposits | 40.3472% | 5,730 |
| Total domestic deposits to total assets | 82.8738% | 3,702 |
| Equity capital to assets | 13.1944% | 1,392 |
| Core capital (leverage) ratio | 13.2504% | 1,067 |
| Tier 1 risk-based capital ratio | 48.7557% | 139 |
| Total risk-based capital ratio | 50.0262% | 138 |
| Memoranda: | ||
| Average total assets | $99,201,000 | 4,432 |
| Average earning assets | $92,435,670 | 4,414 |
| Average equity | $12,945,330 | 4,155 |
| Average total loans | $26,192,330 | 5,424 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0119% | 5,682 |
| Cost of funding earning assets | 0.6162% | 1,235 |
| Net interest margin | 2.3958% | 5,877 |
| Noninterest income to average assets | 0.1772% | 5,434 |
| Noninterest expense to average assets | 2.0414% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2818% | 5,353 |
| Return on assets (ROA) | 0.2818% | 5,431 |
| Pretax return on assets | 0.3745% | 5,354 |
| Return on Equity (ROE) | 2.1718% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.1718% | 4,391 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5000% | 1,113 |
| Assets per employee ($millions) | 6.5962% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2654% | 170 |
| Loan loss allowance to noncurrent loans | 72.3673% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 1,579 |
| Noncurrent loans to loans | 4.5123% | 237 |
| Net loans and leases to total assets | 25.7188% | 5,921 |
| Net loans and leases to deposits | 31.0012% | 5,914 |
| Net loans and leases to core deposits | 41.5068% | 5,733 |
| Total domestic deposits to total assets | 82.9609% | 3,913 |
| Equity capital to assets | 13.0863% | 1,366 |
| Core capital (leverage) ratio | 13.1740% | 1,094 |
| Tier 1 risk-based capital ratio | 44.7103% | 182 |
| Total risk-based capital ratio | 45.9826% | 178 |
| Memoranda: | ||
| Average total assets | $99,345,000 | 4,480 |
| Average earning assets | $92,831,000 | 4,448 |
| Average equity | $12,892,500 | 4,178 |
| Average total loans | $26,493,500 | 5,465 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9578% | 5,762 |
| Cost of funding earning assets | 0.6316% | 1,166 |
| Net interest margin | 2.3262% | 5,934 |
| Noninterest income to average assets | 0.1240% | 5,793 |
| Noninterest expense to average assets | 1.9371% | 5,563 |
| Loan and lease loss provision to assets | 0.0466% | 3,392 |
| Net operating income to assets | 0.2471% | 5,489 |
| Return on assets (ROA) | 0.2471% | 5,560 |
| Pretax return on assets | 0.3186% | 5,482 |
| Return on Equity (ROE) | 1.9561% | 5,578 |
| Retained earnings to average equity (ytd only) | 1.9561% | 4,613 |
| Net charge-offs to loans | 0.0071% | 4,198 |
| Credit loss provision to net charge-offs | 2,350.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 358 |
| Efficiency ratio | 84.1379% | 1,168 |
| Assets per employee ($millions) | 6.2342% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2195% | 172 |
| Loan loss allowance to noncurrent loans | 84.0509% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 1,861 |
| Noncurrent loans to loans | 3.8304% | 335 |
| Net loans and leases to total assets | 25.8875% | 5,981 |
| Net loans and leases to deposits | 31.1112% | 5,978 |
| Net loans and leases to core deposits | 42.1570% | 5,760 |
| Total domestic deposits to total assets | 83.2095% | 3,768 |
| Equity capital to assets | 12.8696% | 1,421 |
| Core capital (leverage) ratio | 12.9873% | 1,154 |
| Tier 1 risk-based capital ratio | 45.9275% | 159 |
| Total risk-based capital ratio | 47.1987% | 154 |
| Memoranda: | ||
| Average total assets | $100,768,000 | 4,447 |
| Average earning assets | $94,359,800 | 4,425 |
| Average equity | $12,729,400 | 4,184 |
| Average total loans | $28,269,800 | 5,432 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 5,824 |
| Cost of funding earning assets | 0.6312% | 1,208 |
| Net interest margin | 2.3500% | 6,004 |
| Noninterest income to average assets | 0.1069% | 5,931 |
| Noninterest expense to average assets | 1.9982% | 5,484 |
| Loan and lease loss provision to assets | 0.0620% | 2,943 |
| Net operating income to assets | 0.2059% | 5,667 |
| Return on assets (ROA) | 0.2059% | 5,729 |
| Pretax return on assets | 0.2481% | 5,725 |
| Return on Equity (ROE) | 1.6374% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.6374% | 5,049 |
| Net charge-offs to loans | 0.0093% | 3,839 |
| Credit loss provision to net charge-offs | 2,350.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 117.3521% | 547 |
| Efficiency ratio | 86.5638% | 968 |
| Assets per employee ($millions) | 6.2429% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1605% | 207 |
| Loan loss allowance to noncurrent loans | 62.4273% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.5478% | 1,444 |
| Noncurrent loans to loans | 5.0627% | 206 |
| Net loans and leases to total assets | 26.3500% | 6,059 |
| Net loans and leases to deposits | 32.0319% | 6,049 |
| Net loans and leases to core deposits | 43.2148% | 5,814 |
| Total domestic deposits to total assets | 82.2618% | 4,081 |
| Equity capital to assets | 12.8116% | 1,556 |
| Core capital (leverage) ratio | 12.7987% | 1,271 |
| Tier 1 risk-based capital ratio | 43.8255% | 200 |
| Total risk-based capital ratio | 45.0954% | 193 |
| Memoranda: | ||
| Average total assets | $101,023,250 | 4,489 |
| Average earning assets | $94,634,750 | 4,470 |
| Average equity | $12,702,500 | 4,238 |
| Average total loans | $28,667,000 | 5,485 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9664% | 5,890 |
| Cost of funding earning assets | 0.6295% | 1,232 |
| Net interest margin | 2.3369% | 6,079 |
| Noninterest income to average assets | 0.0789% | 6,094 |
| Noninterest expense to average assets | 2.0611% | 5,416 |
| Loan and lease loss provision to assets | 0.0927% | 2,271 |
| Net operating income to assets | 0.1026% | 5,875 |
| Return on assets (ROA) | 0.1026% | 5,924 |
| Pretax return on assets | 0.1144% | 5,923 |
| Return on Equity (ROE) | 0.8208% | 5,926 |
| Retained earnings to average equity (ytd only) | 0.8208% | 5,233 |
| Net charge-offs to loans | 0.0137% | 3,451 |
| Credit loss provision to net charge-offs | 2,350.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 922 |
| Efficiency ratio | 90.8696% | 693 |
| Assets per employee ($millions) | 6.2523% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0454% | 258 |
| Loan loss allowance to noncurrent loans | 60.9187% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 1,480 |
| Noncurrent loans to loans | 4.9991% | 227 |
| Net loans and leases to total assets | 27.4328% | 6,105 |
| Net loans and leases to deposits | 33.2808% | 6,096 |
| Net loans and leases to core deposits | 44.5996% | 5,818 |
| Total domestic deposits to total assets | 82.4285% | 4,145 |
| Equity capital to assets | 12.6833% | 1,562 |
| Core capital (leverage) ratio | 12.8228% | 1,242 |
| Tier 1 risk-based capital ratio | 46.6276% | 179 |
| Total risk-based capital ratio | 47.9015% | 177 |
| Memoranda: | ||
| Average total assets | $101,402,330 | 4,524 |
| Average earning assets | $94,996,670 | 4,492 |
| Average equity | $12,671,000 | 4,268 |
| Average total loans | $29,163,000 | 5,509 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1186% | 5,758 |
| Cost of funding earning assets | 0.6271% | 1,252 |
| Net interest margin | 2.4915% | 6,021 |
| Noninterest income to average assets | -0.0470% | 6,360 |
| Noninterest expense to average assets | 2.1747% | 5,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1136% | 5,848 |
| Return on assets (ROA) | 0.1136% | 5,909 |
| Pretax return on assets | 0.1136% | 5,934 |
| Return on Equity (ROE) | 0.9161% | 5,925 |
| Retained earnings to average equity (ytd only) | 0.9161% | 5,097 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0342% | 540 |
| Assets per employee ($millions) | 5.9528% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8066% | 365 |
| Loan loss allowance to noncurrent loans | 57.8910% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6967% | 1,478 |
| Noncurrent loans to loans | 4.8480% | 288 |
| Net loans and leases to total assets | 27.9929% | 6,134 |
| Net loans and leases to deposits | 34.2767% | 6,113 |
| Net loans and leases to core deposits | 45.5903% | 5,775 |
| Total domestic deposits to total assets | 81.6674% | 4,621 |
| Equity capital to assets | 12.5231% | 1,678 |
| Core capital (leverage) ratio | 12.5543% | 1,341 |
| Tier 1 risk-based capital ratio | 41.4106% | 241 |
| Total risk-based capital ratio | 42.6784% | 240 |
| Memoranda: | ||
| Average total assets | $102,085,000 | 4,554 |
| Average earning assets | $95,685,000 | 4,514 |
| Average equity | $12,662,500 | 4,294 |
| Average total loans | $29,592,000 | 5,532 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 5,716 |
| Cost of funding earning assets | 0.6838% | 1,188 |
| Net interest margin | 2.6052% | 6,063 |
| Noninterest income to average assets | -0.0373% | 6,428 |
| Noninterest expense to average assets | 2.0218% | 5,727 |
| Loan and lease loss provision to assets | 0.1588% | 1,653 |
| Net operating income to assets | 0.1873% | 5,792 |
| Return on assets (ROA) | 0.1873% | 5,842 |
| Pretax return on assets | 0.2177% | 5,843 |
| Return on Equity (ROE) | 1.5226% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.5226% | 5,070 |
| Net charge-offs to loans | 0.3852% | 1,110 |
| Credit loss provision to net charge-offs | 131.7073% | 1,809 |
| Earnings coverage of net charge-offs (x) | 3.1220% | 3,971 |
| Efficiency ratio | 84.3009% | 1,373 |
| Assets per employee ($millions) | 6.4358% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7232% | 415 |
| Loan loss allowance to noncurrent loans | 63.1173% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 1,752 |
| Noncurrent loans to loans | 4.3145% | 398 |
| Net loans and leases to total assets | 28.3764% | 6,226 |
| Net loans and leases to deposits | 34.5991% | 6,208 |
| Net loans and leases to core deposits | 46.4392% | 5,869 |
| Total domestic deposits to total assets | 82.0147% | 4,417 |
| Equity capital to assets | 12.2867% | 1,797 |
| Core capital (leverage) ratio | 11.9504% | 1,658 |
| Tier 1 risk-based capital ratio | 40.0353% | 238 |
| Total risk-based capital ratio | 41.3019% | 234 |
| Memoranda: | ||
| Average total assets | $101,989,800 | 4,545 |
| Average earning assets | $95,346,600 | 4,523 |
| Average equity | $12,544,600 | 4,270 |
| Average total loans | $31,934,000 | 5,489 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3413% | 5,689 |
| Cost of funding earning assets | 0.6932% | 1,178 |
| Net interest margin | 2.6480% | 6,075 |
| Noninterest income to average assets | -0.0105% | 6,495 |
| Noninterest expense to average assets | 2.0482% | 5,681 |
| Loan and lease loss provision to assets | 0.2123% | 1,085 |
| Net operating income to assets | 0.1730% | 5,900 |
| Return on assets (ROA) | 0.1730% | 5,939 |
| Pretax return on assets | 0.2018% | 5,947 |
| Return on Equity (ROE) | 1.4060% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.4060% | 5,337 |
| Net charge-offs to loans | 0.4937% | 789 |
| Credit loss provision to net charge-offs | 135.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 2.6333% | 3,863 |
| Efficiency ratio | 83.1825% | 1,477 |
| Assets per employee ($millions) | 5.8875% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6891% | 497 |
| Loan loss allowance to noncurrent loans | 53.6601% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 1,583 |
| Noncurrent loans to loans | 5.0113% | 365 |
| Net loans and leases to total assets | 29.6839% | 6,264 |
| Net loans and leases to deposits | 34.3333% | 6,286 |
| Net loans and leases to core deposits | 47.0415% | 5,923 |
| Total domestic deposits to total assets | 86.4579% | 2,610 |
| Equity capital to assets | 12.5859% | 1,645 |
| Core capital (leverage) ratio | 12.2281% | 1,559 |
| Tier 1 risk-based capital ratio | 40.4437% | 236 |
| Total risk-based capital ratio | 41.7106% | 230 |
| Memoranda: | ||
| Average total assets | $101,744,000 | 4,607 |
| Average earning assets | $95,011,750 | 4,574 |
| Average equity | $12,517,750 | 4,298 |
| Average total loans | $32,408,000 | 5,518 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3710% | 5,674 |
| Cost of funding earning assets | 0.7081% | 1,150 |
| Net interest margin | 2.6628% | 6,096 |
| Noninterest income to average assets | 0.0469% | 6,450 |
| Noninterest expense to average assets | 2.0431% | 5,741 |
| Loan and lease loss provision to assets | 0.3167% | 605 |
| Net operating income to assets | 0.1525% | 5,949 |
| Return on assets (ROA) | 0.1525% | 5,982 |
| Pretax return on assets | 0.1720% | 5,982 |
| Return on Equity (ROE) | 1.2489% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.2489% | 5,252 |
| Net charge-offs to loans | 0.5510% | 739 |
| Credit loss provision to net charge-offs | 178.0220% | 1,283 |
| Earnings coverage of net charge-offs (x) | 2.7473% | 3,476 |
| Efficiency ratio | 80.6950% | 1,920 |
| Assets per employee ($millions) | 5.9542% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7059% | 534 |
| Loan loss allowance to noncurrent loans | 59.1383% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.1161% | 1,466 |
| Noncurrent loans to loans | 4.5755% | 474 |
| Net loans and leases to total assets | 30.2296% | 6,297 |
| Net loans and leases to deposits | 34.8734% | 6,326 |
| Net loans and leases to core deposits | 47.6234% | 5,914 |
| Total domestic deposits to total assets | 86.6837% | 2,645 |
| Equity capital to assets | 12.4064% | 1,701 |
| Core capital (leverage) ratio | 11.9673% | 1,676 |
| Tier 1 risk-based capital ratio | 38.9240% | 262 |
| Total risk-based capital ratio | 40.1923% | 258 |
| Memoranda: | ||
| Average total assets | $102,296,000 | 4,628 |
| Average earning assets | $95,462,000 | 4,596 |
| Average equity | $12,491,330 | 4,318 |
| Average total loans | $33,033,670 | 5,530 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 5,563 |
| Cost of funding earning assets | 0.7168% | 1,141 |
| Net interest margin | 2.7212% | 6,079 |
| Noninterest income to average assets | -0.1011% | 6,663 |
| Noninterest expense to average assets | 1.9994% | 5,888 |
| Loan and lease loss provision to assets | 0.2451% | 885 |
| Net operating income to assets | 0.1673% | 5,887 |
| Return on assets (ROA) | 0.1673% | 5,929 |
| Pretax return on assets | 0.1945% | 5,928 |
| Return on Equity (ROE) | 1.3806% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.3806% | 5,061 |
| Net charge-offs to loans | 0.0118% | 3,377 |
| Credit loss provision to net charge-offs | 6,300.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 414 |
| Efficiency ratio | 81.9777% | 1,928 |
| Assets per employee ($millions) | 6.0036% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5302% | 784 |
| Loan loss allowance to noncurrent loans | 43.8542% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 2.4211% | 1,332 |
| Noncurrent loans to loans | 5.7696% | 331 |
| Net loans and leases to total assets | 31.7810% | 6,276 |
| Net loans and leases to deposits | 36.5781% | 6,297 |
| Net loans and leases to core deposits | 49.5448% | 5,790 |
| Total domestic deposits to total assets | 86.8853% | 2,886 |
| Equity capital to assets | 12.2221% | 1,735 |
| Core capital (leverage) ratio | 11.8314% | 1,744 |
| Tier 1 risk-based capital ratio | 37.5179% | 279 |
| Total risk-based capital ratio | 38.7849% | 275 |
| Memoranda: | ||
| Average total assets | $102,833,000 | 4,656 |
| Average earning assets | $95,988,500 | 4,629 |
| Average equity | $12,458,000 | 4,353 |
| Average total loans | $33,825,500 | 5,550 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 5,932 |
| Cost of funding earning assets | 0.7844% | 1,298 |
| Net interest margin | 2.5541% | 6,327 |
| Noninterest income to average assets | 0.0662% | 6,497 |
| Noninterest expense to average assets | 2.0289% | 5,973 |
| Loan and lease loss provision to assets | 0.1055% | 3,033 |
| Net operating income to assets | 0.2302% | 5,746 |
| Return on assets (ROA) | 0.2302% | 5,812 |
| Pretax return on assets | 0.3089% | 5,708 |
| Return on Equity (ROE) | 1.9428% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.9428% | 4,851 |
| Net charge-offs to loans | 0.2470% | 2,497 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 3,424 |
| Efficiency ratio | 83.0389% | 1,747 |
| Assets per employee ($millions) | 6.4753% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2721% | 1,077 |
| Loan loss allowance to noncurrent loans | 43.4130% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 2.6138% | 1,295 |
| Noncurrent loans to loans | 5.2338% | 454 |
| Net loans and leases to total assets | 32.4231% | 6,366 |
| Net loans and leases to deposits | 37.2042% | 6,393 |
| Net loans and leases to core deposits | 49.8383% | 5,948 |
| Total domestic deposits to total assets | 87.1493% | 2,647 |
| Equity capital to assets | 12.0091% | 1,802 |
| Core capital (leverage) ratio | 11.8493% | 1,716 |
| Tier 1 risk-based capital ratio | 36.9420% | 279 |
| Total risk-based capital ratio | 38.2049% | 275 |
| Memoranda: | ||
| Average total assets | $104,244,000 | 4,637 |
| Average earning assets | $97,018,800 | 4,593 |
| Average equity | $12,353,600 | 4,384 |
| Average total loans | $35,633,600 | 5,509 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3467% | 5,978 |
| Cost of funding earning assets | 0.7921% | 1,374 |
| Net interest margin | 2.5547% | 6,373 |
| Noninterest income to average assets | 0.0511% | 6,632 |
| Noninterest expense to average assets | 1.9846% | 6,041 |
| Loan and lease loss provision to assets | 0.1405% | 2,534 |
| Net operating income to assets | 0.2248% | 5,853 |
| Return on assets (ROA) | 0.2248% | 5,931 |
| Pretax return on assets | 0.3027% | 5,870 |
| Return on Equity (ROE) | 1.9029% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.9029% | 5,176 |
| Net charge-offs to loans | 0.3227% | 1,927 |
| Credit loss provision to net charge-offs | 126.4368% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.9884% | 3,566 |
| Efficiency ratio | 81.7464% | 1,859 |
| Assets per employee ($millions) | 6.1727% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 1,338 |
| Loan loss allowance to noncurrent loans | 37.0792% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 2.9799% | 1,240 |
| Noncurrent loans to loans | 5.9167% | 438 |
| Net loans and leases to total assets | 33.2231% | 6,401 |
| Net loans and leases to deposits | 38.1058% | 6,443 |
| Net loans and leases to core deposits | 50.4085% | 5,992 |
| Total domestic deposits to total assets | 87.1865% | 2,576 |
| Equity capital to assets | 11.8158% | 2,036 |
| Core capital (leverage) ratio | 11.6334% | 1,923 |
| Tier 1 risk-based capital ratio | 36.6127% | 295 |
| Total risk-based capital ratio | 37.8774% | 293 |
| Memoranda: | ||
| Average total assets | $104,403,750 | 4,682 |
| Average earning assets | $97,127,500 | 4,636 |
| Average equity | $12,331,500 | 4,430 |
| Average total loans | $35,948,750 | 5,550 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 5,980 |
| Cost of funding earning assets | 0.8007% | 1,408 |
| Net interest margin | 2.5652% | 6,368 |
| Noninterest income to average assets | 0.0652% | 6,622 |
| Noninterest expense to average assets | 1.9131% | 6,196 |
| Loan and lease loss provision to assets | 0.2111% | 1,797 |
| Net operating income to assets | 0.2322% | 5,815 |
| Return on assets (ROA) | 0.2322% | 5,940 |
| Pretax return on assets | 0.3262% | 5,805 |
| Return on Equity (ROE) | 1.9660% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.9660% | 5,022 |
| Net charge-offs to loans | 0.4827% | 1,367 |
| Credit loss provision to net charge-offs | 126.4368% | 1,784 |
| Earnings coverage of net charge-offs (x) | 3.2184% | 3,454 |
| Efficiency ratio | 78.0736% | 2,440 |
| Assets per employee ($millions) | 6.0948% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1872% | 1,449 |
| Loan loss allowance to noncurrent loans | 35.4373% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 3.2023% | 1,241 |
| Noncurrent loans to loans | 6.1721% | 440 |
| Net loans and leases to total assets | 33.9246% | 6,415 |
| Net loans and leases to deposits | 38.8931% | 6,453 |
| Net loans and leases to core deposits | 50.8573% | 5,974 |
| Total domestic deposits to total assets | 87.2254% | 2,698 |
| Equity capital to assets | 11.8895% | 1,982 |
| Core capital (leverage) ratio | 11.7070% | 1,793 |
| Tier 1 risk-based capital ratio | 35.8089% | 314 |
| Total risk-based capital ratio | 37.0719% | 305 |
| Memoranda: | ||
| Average total assets | $104,226,330 | 4,721 |
| Average earning assets | $96,913,000 | 4,673 |
| Average equity | $12,309,000 | 4,462 |
| Average total loans | $36,050,000 | 5,571 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5093% | 5,678 |
| Cost of funding earning assets | 0.8165% | 1,436 |
| Net interest margin | 2.6928% | 6,224 |
| Noninterest income to average assets | 0.2985% | 5,316 |
| Noninterest expense to average assets | 1.8941% | 6,282 |
| Loan and lease loss provision to assets | 0.3444% | 957 |
| Net operating income to assets | 0.3865% | 5,177 |
| Return on assets (ROA) | 0.3865% | 5,323 |
| Pretax return on assets | 0.5587% | 5,087 |
| Return on Equity (ROE) | 3.2835% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.2835% | 4,279 |
| Net charge-offs to loans | 0.0775% | 3,064 |
| Credit loss provision to net charge-offs | 1,285.7143% | 250 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 899 |
| Efficiency ratio | 67.7155% | 4,365 |
| Assets per employee ($millions) | 6.1474% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3533% | 1,330 |
| Loan loss allowance to noncurrent loans | 41.8605% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.1548% | 1,388 |
| Noncurrent loans to loans | 5.6219% | 631 |
| Net loans and leases to total assets | 33.5895% | 6,438 |
| Net loans and leases to deposits | 38.4690% | 6,487 |
| Net loans and leases to core deposits | 50.3125% | 5,954 |
| Total domestic deposits to total assets | 87.3156% | 2,745 |
| Equity capital to assets | 11.8185% | 2,161 |
| Core capital (leverage) ratio | 11.6120% | 1,809 |
| Tier 1 risk-based capital ratio | 34.9739% | 348 |
| Total risk-based capital ratio | 36.2382% | 342 |
| Memoranda: | ||
| Average total assets | $104,533,500 | 4,761 |
| Average earning assets | $96,998,500 | 4,713 |
| Average equity | $12,304,000 | 4,518 |
| Average total loans | $36,107,000 | 5,613 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 6,240 |
| Cost of funding earning assets | 0.9622% | 1,570 |
| Net interest margin | 2.6259% | 6,609 |
| Noninterest income to average assets | -0.0912% | 6,912 |
| Noninterest expense to average assets | 1.9493% | 6,421 |
| Loan and lease loss provision to assets | 0.1045% | 4,333 |
| Net operating income to assets | 0.2346% | 5,687 |
| Return on assets (ROA) | 0.2346% | 5,881 |
| Pretax return on assets | 0.3154% | 5,788 |
| Return on Equity (ROE) | 2.0243% | 5,892 |
| Retained earnings to average equity (ytd only) | 2.0243% | 4,802 |
| Net charge-offs to loans | 0.3482% | 2,892 |
| Credit loss provision to net charge-offs | 85.2713% | 3,659 |
| Earnings coverage of net charge-offs (x) | 3.4264% | 3,731 |
| Efficiency ratio | 82.2775% | 1,828 |
| Assets per employee ($millions) | 6.1506% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 1,761 |
| Loan loss allowance to noncurrent loans | 37.1109% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 3.1302% | 1,501 |
| Noncurrent loans to loans | 5.6694% | 637 |
| Net loans and leases to total assets | 33.9534% | 6,548 |
| Net loans and leases to deposits | 38.8327% | 6,604 |
| Net loans and leases to core deposits | 50.7186% | 6,107 |
| Total domestic deposits to total assets | 87.4351% | 2,558 |
| Equity capital to assets | 11.7223% | 2,251 |
| Core capital (leverage) ratio | 11.4557% | 1,906 |
| Tier 1 risk-based capital ratio | 33.7599% | 369 |
| Total risk-based capital ratio | 35.0196% | 367 |
| Memoranda: | ||
| Average total assets | $105,266,800 | 4,698 |
| Average earning assets | $98,631,800 | 4,622 |
| Average equity | $12,202,000 | 4,523 |
| Average total loans | $37,052,400 | 5,633 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 6,236 |
| Cost of funding earning assets | 0.9913% | 1,613 |
| Net interest margin | 2.7004% | 6,644 |
| Noninterest income to average assets | -0.1694% | 7,062 |
| Noninterest expense to average assets | 1.8992% | 6,525 |
| Loan and lease loss provision to assets | 0.1201% | 4,048 |
| Net operating income to assets | 0.2706% | 5,714 |
| Return on assets (ROA) | 0.2706% | 5,908 |
| Pretax return on assets | 0.3465% | 5,854 |
| Return on Equity (ROE) | 2.3410% | 5,933 |
| Retained earnings to average equity (ytd only) | 2.3410% | 5,167 |
| Net charge-offs to loans | 0.4295% | 2,381 |
| Credit loss provision to net charge-offs | 79.1667% | 3,648 |
| Earnings coverage of net charge-offs (x) | 3.0749% | 3,797 |
| Efficiency ratio | 80.2779% | 2,053 |
| Assets per employee ($millions) | 6.2219% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1230% | 1,861 |
| Loan loss allowance to noncurrent loans | 27.9439% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 2.9412% | 1,781 |
| Noncurrent loans to loans | 7.5974% | 440 |
| Net loans and leases to total assets | 32.9955% | 6,704 |
| Net loans and leases to deposits | 37.6894% | 6,762 |
| Net loans and leases to core deposits | 48.6398% | 6,371 |
| Total domestic deposits to total assets | 87.5459% | 2,319 |
| Equity capital to assets | 11.5664% | 2,685 |
| Core capital (leverage) ratio | 11.4841% | 1,998 |
| Tier 1 risk-based capital ratio | 33.8734% | 391 |
| Total risk-based capital ratio | 35.1339% | 383 |
| Memoranda: | ||
| Average total assets | $105,443,250 | 4,739 |
| Average earning assets | $98,995,000 | 4,664 |
| Average equity | $12,188,250 | 4,567 |
| Average total loans | $37,249,250 | 5,690 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 6,226 |
| Cost of funding earning assets | 1.0210% | 1,648 |
| Net interest margin | 2.7396% | 6,663 |
| Noninterest income to average assets | -0.0665% | 7,068 |
| Noninterest expense to average assets | 1.8873% | 6,623 |
| Loan and lease loss provision to assets | 0.1329% | 3,866 |
| Net operating income to assets | 0.3532% | 5,413 |
| Return on assets (ROA) | 0.3532% | 5,639 |
| Pretax return on assets | 0.4861% | 5,481 |
| Return on Equity (ROE) | 3.0559% | 5,672 |
| Retained earnings to average equity (ytd only) | 3.0559% | 4,607 |
| Net charge-offs to loans | 0.6353% | 1,727 |
| Credit loss provision to net charge-offs | 58.3333% | 3,845 |
| Earnings coverage of net charge-offs (x) | 2.7167% | 3,652 |
| Efficiency ratio | 75.3030% | 2,849 |
| Assets per employee ($millions) | 6.2018% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 2,225 |
| Loan loss allowance to noncurrent loans | 30.7305% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 3.0418% | 1,807 |
| Noncurrent loans to loans | 6.5123% | 648 |
| Net loans and leases to total assets | 33.9985% | 6,723 |
| Net loans and leases to deposits | 38.8442% | 6,768 |
| Net loans and leases to core deposits | 49.6338% | 6,359 |
| Total domestic deposits to total assets | 87.5255% | 2,450 |
| Equity capital to assets | 11.6190% | 2,470 |
| Core capital (leverage) ratio | 11.4957% | 1,910 |
| Tier 1 risk-based capital ratio | 33.4973% | 387 |
| Total risk-based capital ratio | 34.7576% | 384 |
| Memoranda: | ||
| Average total assets | $105,333,670 | 4,764 |
| Average earning assets | $98,919,330 | 4,696 |
| Average equity | $12,173,000 | 4,567 |
| Average total loans | $37,780,000 | 5,694 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 6,476 |
| Cost of funding earning assets | 1.0848% | 1,478 |
| Net interest margin | 2.5945% | 6,878 |
| Noninterest income to average assets | 0.2014% | 6,185 |
| Noninterest expense to average assets | 1.8046% | 6,786 |
| Loan and lease loss provision to assets | 0.2090% | 2,857 |
| Net operating income to assets | 0.4407% | 5,076 |
| Return on assets (ROA) | 0.4407% | 5,268 |
| Pretax return on assets | 0.6231% | 5,037 |
| Return on Equity (ROE) | 3.8238% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.8238% | 4,291 |
| Net charge-offs to loans | 1.2506% | 810 |
| Credit loss provision to net charge-offs | 45.8333% | 3,348 |
| Earnings coverage of net charge-offs (x) | 1.8250% | 3,426 |
| Efficiency ratio | 68.4438% | 4,081 |
| Assets per employee ($millions) | 6.1816% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 2,643 |
| Loan loss allowance to noncurrent loans | 29.7634% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 3.2583% | 1,769 |
| Noncurrent loans to loans | 6.4230% | 747 |
| Net loans and leases to total assets | 35.0081% | 6,690 |
| Net loans and leases to deposits | 40.0063% | 6,734 |
| Net loans and leases to core deposits | 51.2996% | 6,257 |
| Total domestic deposits to total assets | 87.5065% | 2,646 |
| Equity capital to assets | 11.5961% | 2,352 |
| Core capital (leverage) ratio | 11.4657% | 1,916 |
| Tier 1 risk-based capital ratio | 32.8132% | 400 |
| Total risk-based capital ratio | 34.0714% | 392 |
| Memoranda: | ||
| Average total assets | $105,285,000 | 4,803 |
| Average earning assets | $98,823,500 | 4,720 |
| Average equity | $12,134,500 | 4,584 |
| Average total loans | $38,381,500 | 5,714 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 5,998 |
| Cost of funding earning assets | 1.3392% | 1,296 |
| Net interest margin | 2.8812% | 6,719 |
| Noninterest income to average assets | 0.1174% | 6,558 |
| Noninterest expense to average assets | 1.9473% | 6,769 |
| Loan and lease loss provision to assets | 0.2051% | 4,133 |
| Net operating income to assets | 0.4675% | 4,551 |
| Return on assets (ROA) | 0.4675% | 4,757 |
| Pretax return on assets | 0.6764% | 4,422 |
| Return on Equity (ROE) | 4.1342% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.1342% | 3,241 |
| Net charge-offs to loans | 0.3525% | 3,636 |
| Credit loss provision to net charge-offs | 149.3056% | 1,898 |
| Earnings coverage of net charge-offs (x) | 6.4167% | 2,525 |
| Efficiency ratio | 68.8364% | 4,183 |
| Assets per employee ($millions) | 6.5927% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9920% | 2,307 |
| Loan loss allowance to noncurrent loans | 34.1485% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 3.0261% | 1,984 |
| Noncurrent loans to loans | 5.8334% | 872 |
| Net loans and leases to total assets | 36.4751% | 6,734 |
| Net loans and leases to deposits | 41.5901% | 6,810 |
| Net loans and leases to core deposits | 53.1481% | 6,359 |
| Total domestic deposits to total assets | 87.7013% | 2,334 |
| Equity capital to assets | 11.4549% | 2,541 |
| Core capital (leverage) ratio | 11.3519% | 2,004 |
| Tier 1 risk-based capital ratio | 32.0324% | 425 |
| Total risk-based capital ratio | 33.2940% | 412 |
| Memoranda: | ||
| Average total assets | $104,814,000 | 4,761 |
| Average earning assets | $98,639,800 | 4,670 |
| Average equity | $11,852,400 | 4,581 |
| Average total loans | $40,849,400 | 5,650 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 5,738 |
| Cost of funding earning assets | 1.3876% | 1,284 |
| Net interest margin | 2.9729% | 6,628 |
| Noninterest income to average assets | 0.0612% | 6,914 |
| Noninterest expense to average assets | 1.9506% | 6,781 |
| Loan and lease loss provision to assets | 0.2039% | 3,981 |
| Net operating income to assets | 0.4842% | 4,605 |
| Return on assets (ROA) | 0.4842% | 4,803 |
| Pretax return on assets | 0.7046% | 4,459 |
| Return on Equity (ROE) | 4.2956% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.2956% | 3,673 |
| Net charge-offs to loans | 0.5172% | 2,687 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.4562% | 3,067 |
| Efficiency ratio | 68.2264% | 4,275 |
| Assets per employee ($millions) | 6.5869% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 4,084 |
| Loan loss allowance to noncurrent loans | 34.7399% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 2.4888% | 2,593 |
| Noncurrent loans to loans | 4.3223% | 1,516 |
| Net loans and leases to total assets | 37.4074% | 6,802 |
| Net loans and leases to deposits | 42.5690% | 6,889 |
| Net loans and leases to core deposits | 53.8660% | 6,469 |
| Total domestic deposits to total assets | 87.8747% | 2,112 |
| Equity capital to assets | 11.2562% | 2,907 |
| Core capital (leverage) ratio | 11.2251% | 2,212 |
| Tier 1 risk-based capital ratio | 31.4149% | 476 |
| Total risk-based capital ratio | 32.6691% | 469 |
| Memoranda: | ||
| Average total assets | $104,646,750 | 4,801 |
| Average earning assets | $98,486,750 | 4,707 |
| Average equity | $11,794,750 | 4,621 |
| Average total loans | $41,247,500 | 5,680 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 5,832 |
| Cost of funding earning assets | 1.4450% | 1,209 |
| Net interest margin | 2.9124% | 6,768 |
| Noninterest income to average assets | 0.0920% | 6,865 |
| Noninterest expense to average assets | 1.9540% | 6,868 |
| Loan and lease loss provision to assets | 0.2299% | 3,612 |
| Net operating income to assets | 0.5632% | 4,249 |
| Return on assets (ROA) | 0.5632% | 4,375 |
| Pretax return on assets | 0.6494% | 4,573 |
| Return on Equity (ROE) | 4.9949% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.9949% | 3,016 |
| Net charge-offs to loans | 0.6194% | 2,288 |
| Credit loss provision to net charge-offs | 93.0233% | 3,376 |
| Earnings coverage of net charge-offs (x) | 3.5581% | 3,134 |
| Efficiency ratio | 68.9655% | 4,335 |
| Assets per employee ($millions) | 6.5661% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 4,366 |
| Loan loss allowance to noncurrent loans | 38.6675% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 2.3054% | 2,854 |
| Noncurrent loans to loans | 3.7382% | 1,877 |
| Net loans and leases to total assets | 38.4197% | 6,840 |
| Net loans and leases to deposits | 43.7705% | 6,926 |
| Net loans and leases to core deposits | 55.3798% | 6,465 |
| Total domestic deposits to total assets | 87.7753% | 2,298 |
| Equity capital to assets | 11.3547% | 2,641 |
| Core capital (leverage) ratio | 11.2053% | 2,108 |
| Tier 1 risk-based capital ratio | 31.1293% | 484 |
| Total risk-based capital ratio | 32.3838% | 478 |
| Memoranda: | ||
| Average total assets | $104,398,670 | 4,848 |
| Average earning assets | $98,269,000 | 4,749 |
| Average equity | $11,772,000 | 4,621 |
| Average total loans | $41,655,000 | 5,723 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 5,843 |
| Cost of funding earning assets | 1.5267% | 1,063 |
| Net interest margin | 2.8248% | 6,872 |
| Noninterest income to average assets | 0.0615% | 7,090 |
| Noninterest expense to average assets | 1.8872% | 7,008 |
| Loan and lease loss provision to assets | 0.2114% | 3,531 |
| Net operating income to assets | 0.4305% | 4,804 |
| Return on assets (ROA) | 0.4305% | 4,891 |
| Pretax return on assets | 0.6227% | 4,595 |
| Return on Equity (ROE) | 3.8312% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.8312% | 3,874 |
| Net charge-offs to loans | 0.3047% | 2,827 |
| Credit loss provision to net charge-offs | 171.8750% | 1,684 |
| Earnings coverage of net charge-offs (x) | 6.7813% | 2,048 |
| Efficiency ratio | 69.3503% | 4,407 |
| Assets per employee ($millions) | 6.4853% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 4,296 |
| Loan loss allowance to noncurrent loans | 44.5714% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 2.4315% | 2,795 |
| Noncurrent loans to loans | 3.3237% | 2,258 |
| Net loans and leases to total assets | 39.9927% | 6,780 |
| Net loans and leases to deposits | 45.4927% | 6,878 |
| Net loans and leases to core deposits | 56.5522% | 6,366 |
| Total domestic deposits to total assets | 87.9101% | 2,423 |
| Equity capital to assets | 11.2534% | 2,459 |
| Core capital (leverage) ratio | 11.1572% | 2,068 |
| Tier 1 risk-based capital ratio | 30.6304% | 492 |
| Total risk-based capital ratio | 31.8842% | 483 |
| Memoranda: | ||
| Average total assets | $104,069,000 | 4,890 |
| Average earning assets | $97,988,500 | 4,789 |
| Average equity | $11,693,500 | 4,623 |
| Average total loans | $42,005,000 | 5,757 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 5,826 |
| Cost of funding earning assets | 1.9693% | 676 |
| Net interest margin | 2.7234% | 7,104 |
| Noninterest income to average assets | 0.1694% | 6,521 |
| Noninterest expense to average assets | 1.9331% | 7,110 |
| Loan and lease loss provision to assets | 0.2336% | 4,944 |
| Net operating income to assets | 0.4030% | 4,525 |
| Return on assets (ROA) | 0.4030% | 4,663 |
| Pretax return on assets | 0.5548% | 4,463 |
| Return on Equity (ROE) | 3.5850% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.5850% | 3,347 |
| Net charge-offs to loans | 0.4556% | 3,797 |
| Credit loss provision to net charge-offs | 126.9841% | 3,186 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 2,984 |
| Efficiency ratio | 71.0300% | 3,988 |
| Assets per employee ($millions) | 6.5234% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 4,351 |
| Loan loss allowance to noncurrent loans | 48.8221% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9478% | 3,415 |
| Noncurrent loans to loans | 2.9388% | 2,598 |
| Net loans and leases to total assets | 39.5568% | 6,991 |
| Net loans and leases to deposits | 44.9745% | 7,084 |
| Net loans and leases to core deposits | 55.3304% | 6,733 |
| Total domestic deposits to total assets | 87.9539% | 2,274 |
| Equity capital to assets | 11.2193% | 2,482 |
| Core capital (leverage) ratio | 11.0093% | 2,157 |
| Tier 1 risk-based capital ratio | 30.2933% | 496 |
| Total risk-based capital ratio | 31.5482% | 491 |
| Memoranda: | ||
| Average total assets | $102,736,000 | 4,904 |
| Average earning assets | $96,276,600 | 4,817 |
| Average equity | $11,548,200 | 4,721 |
| Average total loans | $41,479,800 | 5,864 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 5,569 |
| Cost of funding earning assets | 2.0550% | 627 |
| Net interest margin | 2.7669% | 7,165 |
| Noninterest income to average assets | 0.1811% | 6,583 |
| Noninterest expense to average assets | 1.9493% | 7,139 |
| Loan and lease loss provision to assets | 0.2345% | 4,728 |
| Net operating income to assets | 0.4209% | 4,656 |
| Return on assets (ROA) | 0.4209% | 4,838 |
| Pretax return on assets | 0.5850% | 4,650 |
| Return on Equity (ROE) | 3.7423% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.7423% | 3,830 |
| Net charge-offs to loans | 0.4930% | 3,305 |
| Credit loss provision to net charge-offs | 117.6471% | 3,526 |
| Earnings coverage of net charge-offs (x) | 4.1112% | 3,185 |
| Efficiency ratio | 70.4000% | 3,985 |
| Assets per employee ($millions) | 6.1366% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 4,421 |
| Loan loss allowance to noncurrent loans | 57.9051% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.9373% | 3,557 |
| Noncurrent loans to loans | 2.4307% | 3,201 |
| Net loans and leases to total assets | 39.3474% | 7,114 |
| Net loans and leases to deposits | 44.7180% | 7,214 |
| Net loans and leases to core deposits | 55.2686% | 6,899 |
| Total domestic deposits to total assets | 87.9901% | 1,967 |
| Equity capital to assets | 11.1443% | 2,822 |
| Core capital (leverage) ratio | 10.9284% | 2,313 |
| Tier 1 risk-based capital ratio | 29.4719% | 542 |
| Total risk-based capital ratio | 30.7259% | 529 |
| Memoranda: | ||
| Average total assets | $102,326,500 | 4,978 |
| Average earning assets | $95,700,750 | 4,904 |
| Average equity | $11,507,750 | 4,804 |
| Average total loans | $41,377,750 | 5,950 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 6,001 |
| Cost of funding earning assets | 2.1484% | 553 |
| Net interest margin | 2.5950% | 7,353 |
| Noninterest income to average assets | 0.1908% | 6,536 |
| Noninterest expense to average assets | 1.7942% | 7,393 |
| Loan and lease loss provision to assets | 0.2164% | 4,725 |
| Net operating income to assets | 0.4308% | 4,620 |
| Return on assets (ROA) | 0.4308% | 4,778 |
| Pretax return on assets | 0.6040% | 4,557 |
| Return on Equity (ROE) | 3.8192% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.8192% | 3,662 |
| Net charge-offs to loans | 0.2615% | 4,034 |
| Credit loss provision to net charge-offs | 203.7037% | 1,911 |
| Earnings coverage of net charge-offs (x) | 7.7222% | 2,251 |
| Efficiency ratio | 68.6230% | 4,453 |
| Assets per employee ($millions) | 6.4689% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 4,130 |
| Loan loss allowance to noncurrent loans | 52.3850% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.8927% | 3,632 |
| Noncurrent loans to loans | 2.7860% | 2,869 |
| Net loans and leases to total assets | 40.1196% | 7,158 |
| Net loans and leases to deposits | 45.6544% | 7,264 |
| Net loans and leases to core deposits | 55.8680% | 6,945 |
| Total domestic deposits to total assets | 87.8767% | 2,066 |
| Equity capital to assets | 11.1659% | 2,715 |
| Core capital (leverage) ratio | 10.9196% | 2,305 |
| Tier 1 risk-based capital ratio | 29.0275% | 570 |
| Total risk-based capital ratio | 30.2818% | 560 |
| Memoranda: | ||
| Average total assets | $101,661,330 | 5,032 |
| Average earning assets | $94,952,670 | 4,959 |
| Average equity | $11,468,330 | 4,811 |
| Average total loans | $41,292,330 | 5,995 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 5,705 |
| Cost of funding earning assets | 2.2153% | 564 |
| Net interest margin | 2.6293% | 7,361 |
| Noninterest income to average assets | 0.1866% | 6,624 |
| Noninterest expense to average assets | 1.8424% | 7,420 |
| Loan and lease loss provision to assets | 0.1985% | 4,519 |
| Net operating income to assets | 0.4249% | 4,738 |
| Return on assets (ROA) | 0.4249% | 4,872 |
| Pretax return on assets | 0.5916% | 4,640 |
| Return on Equity (ROE) | 3.7465% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.7465% | 3,907 |
| Net charge-offs to loans | 0.2740% | 3,317 |
| Credit loss provision to net charge-offs | 178.5714% | 2,046 |
| Earnings coverage of net charge-offs (x) | 7.1071% | 2,131 |
| Efficiency ratio | 69.9849% | 4,300 |
| Assets per employee ($millions) | 6.4296% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,313 |
| Loan loss allowance to noncurrent loans | 50.6527% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0481% | 3,443 |
| Noncurrent loans to loans | 2.8062% | 2,857 |
| Net loans and leases to total assets | 39.2354% | 7,295 |
| Net loans and leases to deposits | 46.1365% | 7,328 |
| Net loans and leases to core deposits | 55.4559% | 7,020 |
| Total domestic deposits to total assets | 85.0419% | 3,656 |
| Equity capital to assets | 11.1282% | 2,659 |
| Core capital (leverage) ratio | 10.8778% | 2,312 |
| Tier 1 risk-based capital ratio | 28.4223% | 608 |
| Total risk-based capital ratio | 29.6756% | 595 |
| Memoranda: | ||
| Average total assets | $100,740,500 | 5,122 |
| Average earning assets | $93,714,000 | 5,060 |
| Average equity | $11,424,000 | 4,862 |
| Average total loans | $40,868,500 | 6,083 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 5,389 |
| Cost of funding earning assets | 2.5677% | 859 |
| Net interest margin | 2.6872% | 7,225 |
| Noninterest income to average assets | 0.1492% | 6,988 |
| Noninterest expense to average assets | 2.0021% | 7,368 |
| Loan and lease loss provision to assets | 0.2087% | 5,673 |
| Net operating income to assets | 0.3524% | 4,313 |
| Return on assets (ROA) | 0.4236% | 4,139 |
| Pretax return on assets | 0.5676% | 3,995 |
| Return on Equity (ROE) | 3.6254% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.6254% | 2,644 |
| Net charge-offs to loans | -0.0361% | 7,825 |
| Credit loss provision to net charge-offs | -1,333.3333% | 7,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6112% | 3,776 |
| Assets per employee ($millions) | 5.8004% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,382 |
| Loan loss allowance to noncurrent loans | 30.7989% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 2.5607% | 2,729 |
| Noncurrent loans to loans | 4.4494% | 1,600 |
| Net loans and leases to total assets | 40.8014% | 7,312 |
| Net loans and leases to deposits | 48.3007% | 7,343 |
| Net loans and leases to core deposits | 88.9186% | 5,234 |
| Total domestic deposits to total assets | 84.4737% | 3,807 |
| Equity capital to assets | 11.5610% | 2,272 |
| Core capital (leverage) ratio | 11.2529% | 2,071 |
| Tier 1 risk-based capital ratio | 28.6241% | 601 |
| Total risk-based capital ratio | 29.8777% | 586 |
| Memoranda: | ||
| Average total assets | $95,848,400 | 5,210 |
| Average earning assets | $90,390,600 | 5,106 |
| Average equity | $11,198,800 | 4,969 |
| Average total loans | $41,586,800 | 6,030 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 4,149 |
| Cost of funding earning assets | 2.6320% | 945 |
| Net interest margin | 2.9189% | 6,805 |
| Noninterest income to average assets | 0.1233% | 7,274 |
| Noninterest expense to average assets | 2.0064% | 7,368 |
| Loan and lease loss provision to assets | 0.2662% | 4,835 |
| Net operating income to assets | 0.4366% | 4,248 |
| Return on assets (ROA) | 0.5296% | 3,953 |
| Pretax return on assets | 0.7300% | 3,761 |
| Return on Equity (ROE) | 4.5207% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.5207% | 2,743 |
| Net charge-offs to loans | -0.0543% | 7,862 |
| Credit loss provision to net charge-offs | -1,117.6471% | 7,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7856% | 4,633 |
| Assets per employee ($millions) | 5.7835% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,465 |
| Loan loss allowance to noncurrent loans | 39.8409% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8918% | 3,522 |
| Noncurrent loans to loans | 3.2779% | 2,308 |
| Net loans and leases to total assets | 42.3525% | 7,338 |
| Net loans and leases to deposits | 50.2498% | 7,396 |
| Net loans and leases to core deposits | 93.3969% | 5,082 |
| Total domestic deposits to total assets | 84.2840% | 3,588 |
| Equity capital to assets | 11.5643% | 2,538 |
| Core capital (leverage) ratio | 11.2569% | 2,215 |
| Tier 1 risk-based capital ratio | 28.5285% | 651 |
| Total risk-based capital ratio | 29.7811% | 632 |
| Memoranda: | ||
| Average total assets | $95,158,750 | 5,263 |
| Average earning assets | $89,713,250 | 5,174 |
| Average equity | $11,148,500 | 5,031 |
| Average total loans | $41,785,500 | 6,074 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6991% | 3,542 |
| Cost of funding earning assets | 2.7151% | 995 |
| Net interest margin | 2.9839% | 6,597 |
| Noninterest income to average assets | 0.0616% | 7,678 |
| Noninterest expense to average assets | 2.0254% | 7,419 |
| Loan and lease loss provision to assets | 0.2975% | 4,183 |
| Net operating income to assets | 0.3921% | 4,544 |
| Return on assets (ROA) | 0.5313% | 4,086 |
| Pretax return on assets | 0.7396% | 3,867 |
| Return on Equity (ROE) | 4.5148% | 4,294 |
| Retained earnings to average equity (ytd only) | 4.5148% | 2,780 |
| Net charge-offs to loans | -0.2449% | 8,046 |
| Credit loss provision to net charge-offs | -274.5098% | 7,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5926% | 4,661 |
| Assets per employee ($millions) | 5.6182% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,353 |
| Loan loss allowance to noncurrent loans | 28.4878% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 2.4396% | 2,644 |
| Noncurrent loans to loans | 4.5145% | 1,424 |
| Net loans and leases to total assets | 42.9949% | 7,397 |
| Net loans and leases to deposits | 51.4084% | 7,410 |
| Net loans and leases to core deposits | 93.4824% | 5,177 |
| Total domestic deposits to total assets | 83.6340% | 3,948 |
| Equity capital to assets | 11.7947% | 2,329 |
| Core capital (leverage) ratio | 11.4303% | 2,118 |
| Tier 1 risk-based capital ratio | 29.7390% | 616 |
| Total risk-based capital ratio | 30.9918% | 604 |
| Memoranda: | ||
| Average total assets | $94,105,000 | 5,339 |
| Average earning assets | $88,540,670 | 5,244 |
| Average equity | $11,074,670 | 5,068 |
| Average total loans | $41,650,000 | 6,124 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 5,170 |
| Cost of funding earning assets | 2.8033% | 974 |
| Net interest margin | 2.6481% | 7,299 |
| Noninterest income to average assets | -0.0514% | 8,112 |
| Noninterest expense to average assets | 1.8843% | 7,575 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3914% | 4,890 |
| Return on assets (ROA) | 0.6681% | 3,893 |
| Pretax return on assets | 0.9379% | 3,574 |
| Return on Equity (ROE) | 5.6833% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.6833% | 2,785 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4648% | 3,260 |
| Assets per employee ($millions) | 5.5621% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 7,029 |
| Loan loss allowance to noncurrent loans | 13.5680% | 7,446 |
| Noncurrent assets plus other real estate owned to assets | 3.1516% | 1,780 |
| Noncurrent loans to loans | 6.1568% | 761 |
| Net loans and leases to total assets | 43.0617% | 7,407 |
| Net loans and leases to deposits | 51.3727% | 7,439 |
| Net loans and leases to core deposits | 92.9442% | 5,263 |
| Total domestic deposits to total assets | 83.8221% | 3,789 |
| Equity capital to assets | 11.7106% | 2,437 |
| Core capital (leverage) ratio | 11.4578% | 2,174 |
| Tier 1 risk-based capital ratio | 28.7463% | 703 |
| Total risk-based capital ratio | 29.6610% | 709 |
| Memoranda: | ||
| Average total assets | $93,403,000 | 5,390 |
| Average earning assets | $87,610,500 | 5,300 |
| Average equity | $10,979,500 | 5,112 |
| Average total loans | $41,675,500 | 6,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 6,615 |
| Cost of funding earning assets | 3.3531% | 801 |
| Net interest margin | 2.3929% | 7,856 |
| Noninterest income to average assets | -0.0419% | 8,179 |
| Noninterest expense to average assets | 1.7573% | 7,808 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3614% | 5,305 |
| Return on assets (ROA) | 0.3614% | 5,108 |
| Pretax return on assets | 0.4440% | 5,141 |
| Return on Equity (ROE) | 3.0832% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.0832% | 3,242 |
| Net charge-offs to loans | 0.1455% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 6.6066% | 3,325 |
| Efficiency ratio | 79.8298% | 2,621 |
| Assets per employee ($millions) | 5.7657% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 7,058 |
| Loan loss allowance to noncurrent loans | 13.4352% | 7,440 |
| Noncurrent assets plus other real estate owned to assets | 3.2574% | 1,396 |
| Noncurrent loans to loans | 6.0367% | 586 |
| Net loans and leases to total assets | 45.4716% | 7,373 |
| Net loans and leases to deposits | 54.3171% | 7,419 |
| Net loans and leases to core deposits | 96.3812% | 5,221 |
| Total domestic deposits to total assets | 83.7151% | 3,474 |
| Equity capital to assets | 11.8004% | 2,431 |
| Core capital (leverage) ratio | 11.5691% | 2,209 |
| Tier 1 risk-based capital ratio | 28.2399% | 748 |
| Total risk-based capital ratio | 29.1517% | 750 |
| Memoranda: | ||
| Average total assets | $90,766,400 | 5,329 |
| Average earning assets | $85,084,200 | 5,267 |
| Average equity | $10,638,400 | 5,230 |
| Average total loans | $41,912,600 | 6,078 |