Home > Dalhart Federal Savings & Loan Association, SSB > Performance and Condition Ratios
Dalhart Federal Savings & Loan Association, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 1,986 |
| Cost of funding earning assets | 2.2193% | 620 |
| Net interest margin | 2.8245% | 3,614 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.6087% | 1,976 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.4072% | 4,501 |
| Return on assets (ROA) | -0.4145% | 4,484 |
| Pretax return on assets | -0.0053% | 4,358 |
| Return on Equity (ROE) | -4.6900% | 4,466 |
| Retained earnings to average equity (ytd only) | -4.6854% | 4,383 |
| Net charge-offs to loans | 0.0318% | 1,659 |
| Credit loss provision to net charge-offs | 113.7931% | 1,727 |
| Earnings coverage of net charge-offs (x) | 1.2414% | 2,769 |
| Efficiency ratio | 99.0959% | 201 |
| Assets per employee ($millions) | 4.8487% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3356% | 4,414 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.3200% | 2,224 |
| Net loans and leases to deposits | 102.1760% | 424 |
| Net loans and leases to core deposits | 123.2491% | 541 |
| Total domestic deposits to total assets | 64.9100% | 4,393 |
| Equity capital to assets | 9.7673% | 2,149 |
| Core capital (leverage) ratio | 11.0418% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9403% | 483 |
| Memoranda: | ||
| Average total assets | $151,261,600 | 3,351 |
| Average earning assets | $127,564,400 | 3,466 |
| Average equity | $13,382,000 | 3,388 |
| Average total loans | $91,293,600 | 3,271 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 1,960 |
| Cost of funding earning assets | 2.0914% | 601 |
| Net interest margin | 2.8536% | 3,633 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.5692% | 2,034 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.5356% | 4,540 |
| Return on assets (ROA) | -0.5431% | 4,527 |
| Pretax return on assets | 0.0199% | 4,375 |
| Return on Equity (ROE) | -6.2900% | 4,513 |
| Retained earnings to average equity (ytd only) | -6.2884% | 4,450 |
| Net charge-offs to loans | 0.0544% | 1,128 |
| Credit loss provision to net charge-offs | 89.1892% | 1,695 |
| Earnings coverage of net charge-offs (x) | 1.8108% | 2,514 |
| Efficiency ratio | 97.7910% | 203 |
| Assets per employee ($millions) | 4.5847% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3209% | 4,439 |
| Loan loss allowance to noncurrent loans | 2,040.0000% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,747 |
| Noncurrent loans to loans | 0.0157% | 3,676 |
| Net loans and leases to total assets | 69.1000% | 1,935 |
| Net loans and leases to deposits | 98.8981% | 564 |
| Net loans and leases to core deposits | 120.8852% | 533 |
| Total domestic deposits to total assets | 69.8700% | 4,325 |
| Equity capital to assets | 9.2641% | 2,244 |
| Core capital (leverage) ratio | 10.9357% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6273% | 582 |
| Memoranda: | ||
| Average total assets | $153,924,000 | 3,336 |
| Average earning assets | $126,481,500 | 3,489 |
| Average equity | $13,294,000 | 3,396 |
| Average total loans | $90,725,000 | 3,281 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 1,817 |
| Cost of funding earning assets | 1.9929% | 502 |
| Net interest margin | 2.8850% | 3,672 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.6067% | 1,913 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | -0.0129% | 4,485 |
| Return on assets (ROA) | -0.0238% | 4,476 |
| Pretax return on assets | -0.0915% | 4,485 |
| Return on Equity (ROE) | -0.2800% | 4,451 |
| Retained earnings to average equity (ytd only) | -0.2777% | 4,135 |
| Net charge-offs to loans | 0.1099% | 637 |
| Credit loss provision to net charge-offs | 61.2245% | 1,621 |
| Earnings coverage of net charge-offs (x) | -0.6531% | 4,609 |
| Efficiency ratio | 101.5625% | 154 |
| Assets per employee ($millions) | 4.4669% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 4,484 |
| Loan loss allowance to noncurrent loans | 821.8750% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,556 |
| Noncurrent loans to loans | 0.0349% | 3,489 |
| Net loans and leases to total assets | 68.2800% | 1,939 |
| Net loans and leases to deposits | 94.1610% | 848 |
| Net loans and leases to core deposits | 114.8471% | 659 |
| Total domestic deposits to total assets | 72.5100% | 4,272 |
| Equity capital to assets | 10.2233% | 1,732 |
| Core capital (leverage) ratio | 11.5361% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1435% | 477 |
| Memoranda: | ||
| Average total assets | $159,589,667 | 3,301 |
| Average earning assets | $125,545,667 | 3,505 |
| Average equity | $13,682,667 | 3,381 |
| Average total loans | $89,182,667 | 3,304 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 1,511 |
| Cost of funding earning assets | 1.8468% | 412 |
| Net interest margin | 2.9995% | 3,600 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.3947% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0271% | 4,466 |
| Return on assets (ROA) | 0.0070% | 4,462 |
| Pretax return on assets | -0.0580% | 4,489 |
| Return on Equity (ROE) | 0.0900% | 4,446 |
| Retained earnings to average equity (ytd only) | 0.0878% | 4,005 |
| Net charge-offs to loans | 0.0501% | 870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -1.2727% | 4,645 |
| Efficiency ratio | 101.3752% | 157 |
| Assets per employee ($millions) | 4.4690% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3068% | 4,535 |
| Loan loss allowance to noncurrent loans | 2,084.6154% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 2,317 |
| Noncurrent loans to loans | 0.0147% | 3,704 |
| Net loans and leases to total assets | 65.6800% | 2,096 |
| Net loans and leases to deposits | 91.5406% | 945 |
| Net loans and leases to core deposits | 111.7184% | 647 |
| Total domestic deposits to total assets | 71.7400% | 4,367 |
| Equity capital to assets | 10.2602% | 1,685 |
| Core capital (leverage) ratio | 11.5061% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8925% | 447 |
| Memoranda: | ||
| Average total assets | $172,380,500 | 3,245 |
| Average earning assets | $125,620,000 | 3,547 |
| Average equity | $13,674,000 | 3,423 |
| Average total loans | $87,892,000 | 3,358 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 1,240 |
| Cost of funding earning assets | 0.7529% | 463 |
| Net interest margin | 3.4490% | 2,100 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.5396% | 1,994 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.6613% | 3,731 |
| Return on assets (ROA) | 0.6613% | 3,681 |
| Pretax return on assets | 0.6913% | 3,863 |
| Return on Equity (ROE) | 6.9800% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.9848% | 2,252 |
| Net charge-offs to loans | 0.0186% | 1,724 |
| Credit loss provision to net charge-offs | -633.3333% | 4,640 |
| Earnings coverage of net charge-offs (x) | 61.2667% | 1,239 |
| Efficiency ratio | 80.2110% | 702 |
| Assets per employee ($millions) | 7.0230% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3224% | 4,538 |
| Loan loss allowance to noncurrent loans | 72.8682% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 1,713 |
| Noncurrent loans to loans | 0.4425% | 1,598 |
| Net loans and leases to total assets | 41.3800% | 4,015 |
| Net loans and leases to deposits | 48.9110% | 3,939 |
| Net loans and leases to core deposits | 53.9748% | 3,807 |
| Total domestic deposits to total assets | 84.6000% | 3,082 |
| Equity capital to assets | 6.4512% | 3,916 |
| Core capital (leverage) ratio | 11.2337% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5911% | 771 |
| Memoranda: | ||
| Average total assets | $146,675,600 | 3,473 |
| Average earning assets | $122,326,800 | 3,593 |
| Average equity | $13,887,200 | 3,484 |
| Average total loans | $80,588,600 | 3,410 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 1,021 |
| Cost of funding earning assets | 0.5665% | 531 |
| Net interest margin | 3.5569% | 1,497 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.7610% | 1,322 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 0.9050% | 2,848 |
| Return on assets (ROA) | 0.9050% | 2,826 |
| Pretax return on assets | 0.9591% | 3,141 |
| Return on Equity (ROE) | 8.4700% | 3,180 |
| Retained earnings to average equity (ytd only) | 8.4710% | 1,827 |
| Net charge-offs to loans | 0.0101% | 1,740 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | 139.1667% | 779 |
| Efficiency ratio | 76.4191% | 1,041 |
| Assets per employee ($millions) | 4.7606% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3365% | 4,567 |
| Loan loss allowance to noncurrent loans | 55.2063% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 959 |
| Noncurrent loans to loans | 0.6094% | 1,330 |
| Net loans and leases to total assets | 64.7600% | 2,007 |
| Net loans and leases to deposits | 83.1997% | 1,355 |
| Net loans and leases to core deposits | 99.0304% | 856 |
| Total domestic deposits to total assets | 77.8400% | 4,269 |
| Equity capital to assets | 10.4142% | 1,416 |
| Core capital (leverage) ratio | 11.8180% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1464% | 375 |
| Memoranda: | ||
| Average total assets | $130,672,000 | 3,652 |
| Average earning assets | $121,450,250 | 3,627 |
| Average equity | $13,961,000 | 3,517 |
| Average total loans | $78,870,500 | 3,439 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 1,001 |
| Cost of funding earning assets | 0.4625% | 650 |
| Net interest margin | 3.5005% | 1,310 |
| Noninterest income to average assets | 0.2981% | 3,382 |
| Noninterest expense to average assets | 2.8301% | 1,115 |
| Loan and lease loss provision to assets | 0.0456% | 1,755 |
| Net operating income to assets | 0.6159% | 3,583 |
| Return on assets (ROA) | 0.6159% | 3,529 |
| Pretax return on assets | 0.6798% | 3,627 |
| Return on Equity (ROE) | 5.6705% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.6705% | 2,449 |
| Net charge-offs to loans | 0.0129% | 1,529 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 840 |
| Efficiency ratio | 79.5979% | 978 |
| Assets per employee ($millions) | 4.6006% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 4,538 |
| Loan loss allowance to noncurrent loans | 36.1979% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 564 |
| Noncurrent loans to loans | 1.4220% | 531 |
| Net loans and leases to total assets | 62.5663% | 2,060 |
| Net loans and leases to deposits | 79.6883% | 1,408 |
| Net loans and leases to core deposits | 94.9842% | 866 |
| Total domestic deposits to total assets | 78.5137% | 4,328 |
| Equity capital to assets | 10.7804% | 1,321 |
| Core capital (leverage) ratio | 11.0218% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2137% | 355 |
| Memoranda: | ||
| Average total assets | $131,515,667 | 3,687 |
| Average earning assets | $122,382,000 | 3,665 |
| Average equity | $14,284,333 | 3,557 |
| Average total loans | $77,321,000 | 3,497 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 1,122 |
| Cost of funding earning assets | 0.4487% | 662 |
| Net interest margin | 3.3315% | 1,494 |
| Noninterest income to average assets | 0.2860% | 3,413 |
| Noninterest expense to average assets | 2.7908% | 1,176 |
| Loan and lease loss provision to assets | 0.0903% | 917 |
| Net operating income to assets | 0.4847% | 3,749 |
| Return on assets (ROA) | 0.4847% | 3,714 |
| Pretax return on assets | 0.5118% | 3,853 |
| Return on Equity (ROE) | 4.4466% | 3,769 |
| Retained earnings to average equity (ytd only) | 4.4466% | 2,792 |
| Net charge-offs to loans | 0.0159% | 1,219 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 813 |
| Efficiency ratio | 82.2538% | 964 |
| Assets per employee ($millions) | 4.8546% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5417% | 4,548 |
| Loan loss allowance to noncurrent loans | 48.0505% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 964 |
| Noncurrent loans to loans | 1.1274% | 791 |
| Net loans and leases to total assets | 54.6419% | 2,671 |
| Net loans and leases to deposits | 65.1132% | 2,421 |
| Net loans and leases to core deposits | 75.2406% | 1,826 |
| Total domestic deposits to total assets | 83.9184% | 3,786 |
| Equity capital to assets | 10.1192% | 1,812 |
| Core capital (leverage) ratio | 11.5151% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6871% | 347 |
| Memoranda: | ||
| Average total assets | $132,865,000 | 3,694 |
| Average earning assets | $123,907,000 | 3,671 |
| Average equity | $14,483,000 | 3,609 |
| Average total loans | $75,475,000 | 3,534 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 1,230 |
| Cost of funding earning assets | 0.5990% | 548 |
| Net interest margin | 3.4586% | 1,855 |
| Noninterest income to average assets | 0.4287% | 2,908 |
| Noninterest expense to average assets | 2.9787% | 1,018 |
| Loan and lease loss provision to assets | 0.0166% | 2,743 |
| Net operating income to assets | 0.4935% | 4,108 |
| Return on assets (ROA) | 0.4935% | 4,149 |
| Pretax return on assets | 0.6331% | 4,058 |
| Return on Equity (ROE) | 4.1840% | 4,182 |
| Retained earnings to average equity (ytd only) | 4.1840% | 3,149 |
| Net charge-offs to loans | 0.0340% | 1,553 |
| Credit loss provision to net charge-offs | 86.9565% | 1,904 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,525 |
| Efficiency ratio | 82.0930% | 664 |
| Assets per employee ($millions) | 4.3086% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5326% | 4,595 |
| Loan loss allowance to noncurrent loans | 31.9478% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 576 |
| Noncurrent loans to loans | 1.6670% | 514 |
| Net loans and leases to total assets | 58.5948% | 2,316 |
| Net loans and leases to deposits | 72.3249% | 1,881 |
| Net loans and leases to core deposits | 85.7074% | 1,223 |
| Total domestic deposits to total assets | 81.0161% | 4,104 |
| Equity capital to assets | 11.7809% | 1,353 |
| Core capital (leverage) ratio | 11.5152% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5173% | 330 |
| Memoranda: | ||
| Average total assets | $120,356,200 | 3,794 |
| Average earning assets | $111,346,200 | 3,796 |
| Average equity | $14,196,800 | 3,722 |
| Average total loans | $67,729,600 | 3,694 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 1,378 |
| Cost of funding earning assets | 0.6298% | 540 |
| Net interest margin | 3.4384% | 2,047 |
| Noninterest income to average assets | 0.3109% | 3,567 |
| Noninterest expense to average assets | 2.8532% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4396% | 4,313 |
| Return on assets (ROA) | 0.4396% | 4,346 |
| Pretax return on assets | 0.6330% | 4,186 |
| Return on Equity (ROE) | 3.7252% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.7252% | 3,670 |
| Net charge-offs to loans | 0.0020% | 2,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 266 |
| Efficiency ratio | 81.8415% | 637 |
| Assets per employee ($millions) | 4.0371% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5552% | 4,665 |
| Loan loss allowance to noncurrent loans | 42.6869% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 950 |
| Noncurrent loans to loans | 1.3006% | 829 |
| Net loans and leases to total assets | 58.2700% | 2,450 |
| Net loans and leases to deposits | 73.1445% | 1,943 |
| Net loans and leases to core deposits | 84.8946% | 1,361 |
| Total domestic deposits to total assets | 79.6643% | 4,274 |
| Equity capital to assets | 11.9947% | 1,405 |
| Core capital (leverage) ratio | 11.7476% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6123% | 353 |
| Memoranda: | ||
| Average total assets | $119,208,250 | 3,850 |
| Average earning assets | $110,088,500 | 3,856 |
| Average equity | $14,066,000 | 3,781 |
| Average total loans | $66,260,750 | 3,774 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 1,441 |
| Cost of funding earning assets | 0.6681% | 525 |
| Net interest margin | 3.3863% | 2,183 |
| Noninterest income to average assets | 0.2989% | 3,641 |
| Noninterest expense to average assets | 3.1515% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3260% | 4,496 |
| Return on assets (ROA) | 0.3260% | 4,517 |
| Pretax return on assets | 0.2804% | 4,606 |
| Return on Equity (ROE) | 2.8075% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.8075% | 3,904 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8307% | 299 |
| Assets per employee ($millions) | 3.9430% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 4,668 |
| Loan loss allowance to noncurrent loans | 34.7405% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 794 |
| Noncurrent loans to loans | 1.6998% | 623 |
| Net loans and leases to total assets | 56.2135% | 2,871 |
| Net loans and leases to deposits | 69.4081% | 2,478 |
| Net loans and leases to core deposits | 81.0598% | 1,794 |
| Total domestic deposits to total assets | 80.9899% | 4,093 |
| Equity capital to assets | 11.7423% | 1,493 |
| Core capital (leverage) ratio | 11.7744% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1875% | 334 |
| Memoranda: | ||
| Average total assets | $118,421,000 | 3,871 |
| Average earning assets | $109,558,667 | 3,882 |
| Average equity | $13,749,000 | 3,817 |
| Average total loans | $64,692,333 | 3,823 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0254% | 1,557 |
| Cost of funding earning assets | 0.7233% | 504 |
| Net interest margin | 3.3021% | 2,386 |
| Noninterest income to average assets | 0.2599% | 3,842 |
| Noninterest expense to average assets | 3.1801% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2093% | 4,631 |
| Return on assets (ROA) | 0.2093% | 4,655 |
| Pretax return on assets | 0.1317% | 4,712 |
| Return on Equity (ROE) | 1.8131% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.8131% | 4,051 |
| Net charge-offs to loans | -0.0063% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0245% | 248 |
| Assets per employee ($millions) | 3.8437% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6229% | 4,666 |
| Loan loss allowance to noncurrent loans | 41.2500% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 1,108 |
| Noncurrent loans to loans | 1.5100% | 830 |
| Net loans and leases to total assets | 53.0247% | 3,349 |
| Net loans and leases to deposits | 64.4474% | 3,085 |
| Net loans and leases to core deposits | 75.5889% | 2,387 |
| Total domestic deposits to total assets | 82.2759% | 3,839 |
| Equity capital to assets | 11.4365% | 1,582 |
| Core capital (leverage) ratio | 11.9371% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0824% | 292 |
| Memoranda: | ||
| Average total assets | $118,486,500 | 3,880 |
| Average earning assets | $109,505,000 | 3,876 |
| Average equity | $13,678,500 | 3,827 |
| Average total loans | $63,593,500 | 3,857 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 1,731 |
| Cost of funding earning assets | 1.0283% | 535 |
| Net interest margin | 3.3185% | 3,024 |
| Noninterest income to average assets | 0.2660% | 3,889 |
| Noninterest expense to average assets | 3.0238% | 1,386 |
| Loan and lease loss provision to assets | 0.1248% | 2,802 |
| Net operating income to assets | 0.1859% | 4,589 |
| Return on assets (ROA) | 0.3176% | 4,474 |
| Pretax return on assets | 0.3185% | 4,519 |
| Return on Equity (ROE) | 2.7324% | 4,440 |
| Retained earnings to average equity (ytd only) | 2.7324% | 3,495 |
| Net charge-offs to loans | 0.0329% | 2,384 |
| Credit loss provision to net charge-offs | 690.4762% | 1,000 |
| Earnings coverage of net charge-offs (x) | 17.2381% | 2,084 |
| Efficiency ratio | 90.6581% | 355 |
| Assets per employee ($millions) | 3.9273% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 4,699 |
| Loan loss allowance to noncurrent loans | 29.4337% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 790 |
| Noncurrent loans to loans | 2.1097% | 522 |
| Net loans and leases to total assets | 53.6543% | 3,521 |
| Net loans and leases to deposits | 66.4030% | 3,234 |
| Net loans and leases to core deposits | 78.0220% | 2,548 |
| Total domestic deposits to total assets | 80.8011% | 3,908 |
| Equity capital to assets | 11.6535% | 1,767 |
| Core capital (leverage) ratio | 11.2431% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5103% | 276 |
| Memoranda: | ||
| Average total assets | $116,177,400 | 3,794 |
| Average earning assets | $107,458,000 | 3,805 |
| Average equity | $13,504,400 | 3,812 |
| Average total loans | $63,875,800 | 3,849 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 1,755 |
| Cost of funding earning assets | 1.0714% | 595 |
| Net interest margin | 3.3623% | 3,017 |
| Noninterest income to average assets | 0.2822% | 3,795 |
| Noninterest expense to average assets | 2.9645% | 1,518 |
| Loan and lease loss provision to assets | 0.1667% | 2,331 |
| Net operating income to assets | 0.2404% | 4,535 |
| Return on assets (ROA) | 0.4008% | 4,328 |
| Pretax return on assets | 0.4388% | 4,389 |
| Return on Equity (ROE) | 3.4502% | 4,307 |
| Retained earnings to average equity (ytd only) | 3.4502% | 3,335 |
| Net charge-offs to loans | 0.0396% | 2,065 |
| Credit loss provision to net charge-offs | 763.1579% | 1,013 |
| Earnings coverage of net charge-offs (x) | 19.6316% | 1,931 |
| Efficiency ratio | 87.3431% | 446 |
| Assets per employee ($millions) | 3.8655% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6159% | 4,706 |
| Loan loss allowance to noncurrent loans | 110.8939% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 2,955 |
| Noncurrent loans to loans | 0.5554% | 2,404 |
| Net loans and leases to total assets | 53.4637% | 3,851 |
| Net loans and leases to deposits | 68.2785% | 3,445 |
| Net loans and leases to core deposits | 80.7067% | 2,784 |
| Total domestic deposits to total assets | 78.3024% | 4,153 |
| Equity capital to assets | 11.3804% | 2,097 |
| Core capital (leverage) ratio | 11.5185% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3710% | 297 |
| Memoranda: | ||
| Average total assets | $115,767,000 | 3,791 |
| Average earning assets | $107,147,000 | 3,804 |
| Average equity | $13,448,000 | 3,825 |
| Average total loans | $63,942,250 | 3,863 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,825 |
| Cost of funding earning assets | 1.1145% | 684 |
| Net interest margin | 3.4173% | 3,045 |
| Noninterest income to average assets | 0.2832% | 3,769 |
| Noninterest expense to average assets | 3.1602% | 1,224 |
| Loan and lease loss provision to assets | 0.0350% | 3,830 |
| Net operating income to assets | 0.3094% | 4,403 |
| Return on assets (ROA) | 0.3094% | 4,447 |
| Pretax return on assets | 0.2499% | 4,586 |
| Return on Equity (ROE) | 2.6411% | 4,417 |
| Retained earnings to average equity (ytd only) | 2.6411% | 3,534 |
| Net charge-offs to loans | 0.0376% | 1,988 |
| Credit loss provision to net charge-offs | 166.6667% | 2,046 |
| Earnings coverage of net charge-offs (x) | 13.5833% | 1,987 |
| Efficiency ratio | 91.7301% | 349 |
| Assets per employee ($millions) | 3.8637% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4366% | 4,887 |
| Loan loss allowance to noncurrent loans | 67.8832% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 2,927 |
| Noncurrent loans to loans | 0.6432% | 2,257 |
| Net loans and leases to total assets | 53.1196% | 3,950 |
| Net loans and leases to deposits | 68.8743% | 3,500 |
| Net loans and leases to core deposits | 80.6582% | 2,902 |
| Total domestic deposits to total assets | 77.1254% | 4,305 |
| Equity capital to assets | 11.4106% | 2,030 |
| Core capital (leverage) ratio | 11.3865% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7653% | 314 |
| Memoranda: | ||
| Average total assets | $114,423,667 | 3,795 |
| Average earning assets | $105,874,333 | 3,810 |
| Average equity | $13,403,333 | 3,832 |
| Average total loans | $63,769,000 | 3,876 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,777 |
| Cost of funding earning assets | 1.1650% | 860 |
| Net interest margin | 3.5143% | 2,930 |
| Noninterest income to average assets | 0.2828% | 3,833 |
| Noninterest expense to average assets | 3.2466% | 1,325 |
| Loan and lease loss provision to assets | 0.0716% | 2,840 |
| Net operating income to assets | 0.2864% | 4,372 |
| Return on assets (ROA) | 0.2864% | 4,395 |
| Pretax return on assets | 0.2255% | 4,542 |
| Return on Equity (ROE) | 2.4112% | 4,363 |
| Retained earnings to average equity (ytd only) | 2.4112% | 3,303 |
| Net charge-offs to loans | 0.0754% | 1,267 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 6.9167% | 1,960 |
| Efficiency ratio | 91.6162% | 443 |
| Assets per employee ($millions) | 3.7320% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 4,923 |
| Loan loss allowance to noncurrent loans | 146.8421% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,813 |
| Noncurrent loans to loans | 0.3020% | 3,416 |
| Net loans and leases to total assets | 55.9369% | 3,843 |
| Net loans and leases to deposits | 72.2075% | 3,417 |
| Net loans and leases to core deposits | 85.2103% | 2,740 |
| Total domestic deposits to total assets | 77.4670% | 4,300 |
| Equity capital to assets | 11.7194% | 2,270 |
| Core capital (leverage) ratio | 12.1732% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4144% | 318 |
| Memoranda: | ||
| Average total assets | $111,748,000 | 3,818 |
| Average earning assets | $103,690,000 | 3,825 |
| Average equity | $13,271,500 | 3,855 |
| Average total loans | $63,702,000 | 3,889 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 1,863 |
| Cost of funding earning assets | 1.1827% | 1,066 |
| Net interest margin | 3.6820% | 2,861 |
| Noninterest income to average assets | 0.0286% | 5,085 |
| Noninterest expense to average assets | 3.2788% | 1,340 |
| Loan and lease loss provision to assets | 0.0269% | 3,472 |
| Net operating income to assets | 0.1219% | 4,913 |
| Return on assets (ROA) | 0.1370% | 4,921 |
| Pretax return on assets | 0.1378% | 4,926 |
| Return on Equity (ROE) | 1.1526% | 4,897 |
| Retained earnings to average equity (ytd only) | 1.1526% | 4,334 |
| Net charge-offs to loans | -0.0031% | 4,269 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6397% | 215 |
| Assets per employee ($millions) | 3.4855% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4202% | 4,974 |
| Loan loss allowance to noncurrent loans | 47.7113% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,375 |
| Noncurrent loans to loans | 0.8806% | 1,742 |
| Net loans and leases to total assets | 57.5841% | 3,802 |
| Net loans and leases to deposits | 74.1480% | 3,339 |
| Net loans and leases to core deposits | 86.3847% | 2,763 |
| Total domestic deposits to total assets | 77.6610% | 4,412 |
| Equity capital to assets | 12.0338% | 2,119 |
| Core capital (leverage) ratio | 12.1778% | 1,669 |
| Tier 1 risk-based capital ratio | 27.2662% | 602 |
| Total risk-based capital ratio | 27.8189% | 631 |
| Memoranda: | ||
| Average total assets | $111,717,200 | 3,810 |
| Average earning assets | $103,150,600 | 3,815 |
| Average equity | $13,274,800 | 3,861 |
| Average total loans | $65,195,800 | 3,881 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 1,794 |
| Cost of funding earning assets | 1.1786% | 1,084 |
| Net interest margin | 3.7298% | 2,824 |
| Noninterest income to average assets | -0.0334% | 5,226 |
| Noninterest expense to average assets | 3.1948% | 1,477 |
| Loan and lease loss provision to assets | 0.0298% | 3,304 |
| Net operating income to assets | 0.1438% | 4,987 |
| Return on assets (ROA) | 0.1599% | 4,992 |
| Pretax return on assets | 0.2016% | 4,985 |
| Return on Equity (ROE) | 1.3496% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.3496% | 4,474 |
| Net charge-offs to loans | -0.0082% | 4,326 |
| Credit loss provision to net charge-offs | -625.0000% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8004% | 237 |
| Assets per employee ($millions) | 3.4600% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4194% | 5,048 |
| Loan loss allowance to noncurrent loans | 60.4966% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 2,911 |
| Noncurrent loans to loans | 0.6932% | 2,227 |
| Net loans and leases to total assets | 57.4724% | 3,924 |
| Net loans and leases to deposits | 73.6615% | 3,506 |
| Net loans and leases to core deposits | 85.5848% | 2,943 |
| Total domestic deposits to total assets | 78.0222% | 4,341 |
| Equity capital to assets | 12.1151% | 2,175 |
| Core capital (leverage) ratio | 11.9810% | 1,863 |
| Tier 1 risk-based capital ratio | 27.2857% | 622 |
| Total risk-based capital ratio | 27.8335% | 657 |
| Memoranda: | ||
| Average total assets | $111,762,500 | 3,849 |
| Average earning assets | $103,059,250 | 3,859 |
| Average equity | $13,238,000 | 3,900 |
| Average total loans | $65,370,250 | 3,923 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 1,701 |
| Cost of funding earning assets | 1.1611% | 1,101 |
| Net interest margin | 3.7580% | 2,723 |
| Noninterest income to average assets | -0.1498% | 5,284 |
| Noninterest expense to average assets | 3.2456% | 1,415 |
| Loan and lease loss provision to assets | 0.0267% | 3,287 |
| Net operating income to assets | 0.1302% | 5,040 |
| Return on assets (ROA) | 0.1302% | 5,051 |
| Pretax return on assets | 0.0410% | 5,096 |
| Return on Equity (ROE) | 1.1112% | 5,037 |
| Retained earnings to average equity (ytd only) | 1.1112% | 4,407 |
| Net charge-offs to loans | -0.0121% | 4,381 |
| Credit loss provision to net charge-offs | -375.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9548% | 178 |
| Assets per employee ($millions) | 3.5272% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3990% | 5,108 |
| Loan loss allowance to noncurrent loans | 138.7097% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 1,904 |
| Noncurrent loans to loans | 0.2877% | 3,501 |
| Net loans and leases to total assets | 57.0532% | 4,005 |
| Net loans and leases to deposits | 73.0155% | 3,596 |
| Net loans and leases to core deposits | 84.3122% | 3,082 |
| Total domestic deposits to total assets | 78.1386% | 4,367 |
| Equity capital to assets | 11.6931% | 2,452 |
| Core capital (leverage) ratio | 11.8168% | 1,934 |
| Tier 1 risk-based capital ratio | 27.0411% | 618 |
| Total risk-based capital ratio | 27.5665% | 654 |
| Memoranda: | ||
| Average total assets | $112,151,330 | 3,866 |
| Average earning assets | $103,352,000 | 3,880 |
| Average equity | $13,139,000 | 3,915 |
| Average total loans | $65,859,670 | 3,929 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 1,507 |
| Cost of funding earning assets | 1.1438% | 1,059 |
| Net interest margin | 3.7921% | 2,557 |
| Noninterest income to average assets | 0.1682% | 4,732 |
| Noninterest expense to average assets | 3.2525% | 1,381 |
| Loan and lease loss provision to assets | 0.0537% | 2,589 |
| Net operating income to assets | 0.3829% | 4,761 |
| Return on assets (ROA) | 0.3829% | 4,773 |
| Pretax return on assets | 0.3614% | 4,886 |
| Return on Equity (ROE) | 3.2648% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.2648% | 3,619 |
| Net charge-offs to loans | -0.0722% | 4,942 |
| Credit loss provision to net charge-offs | -125.0000% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6829% | 452 |
| Assets per employee ($millions) | 3.7540% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4023% | 5,173 |
| Loan loss allowance to noncurrent loans | 37.4648% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 1,093 |
| Noncurrent loans to loans | 1.0738% | 1,553 |
| Net loans and leases to total assets | 58.4759% | 3,833 |
| Net loans and leases to deposits | 75.1341% | 3,344 |
| Net loans and leases to core deposits | 87.2240% | 2,763 |
| Total domestic deposits to total assets | 77.8288% | 4,546 |
| Equity capital to assets | 11.7050% | 2,230 |
| Core capital (leverage) ratio | 11.9890% | 1,779 |
| Tier 1 risk-based capital ratio | 26.5850% | 649 |
| Total risk-based capital ratio | 27.1164% | 680 |
| Memoranda: | ||
| Average total assets | $111,792,000 | 3,908 |
| Average earning assets | $103,162,000 | 3,923 |
| Average equity | $13,109,500 | 3,929 |
| Average total loans | $66,462,500 | 3,956 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 1,624 |
| Cost of funding earning assets | 0.9787% | 821 |
| Net interest margin | 3.7869% | 2,707 |
| Noninterest income to average assets | 0.2083% | 4,671 |
| Noninterest expense to average assets | 3.2058% | 1,534 |
| Loan and lease loss provision to assets | 0.1433% | 1,498 |
| Net operating income to assets | 0.4006% | 4,864 |
| Return on assets (ROA) | 0.4006% | 4,856 |
| Pretax return on assets | 0.3347% | 5,017 |
| Return on Equity (ROE) | 3.5296% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.1375% | 3,823 |
| Net charge-offs to loans | 0.1577% | 1,218 |
| Credit loss provision to net charge-offs | 157.8431% | 1,758 |
| Earnings coverage of net charge-offs (x) | 5.2647% | 3,205 |
| Efficiency ratio | 87.0227% | 478 |
| Assets per employee ($millions) | 3.6988% | 4,320 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3578% | 5,247 |
| Loan loss allowance to noncurrent loans | 53.8288% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 1,264 |
| Noncurrent loans to loans | 0.6646% | 2,332 |
| Net loans and leases to total assets | 59.9874% | 3,780 |
| Net loans and leases to deposits | 77.5626% | 3,218 |
| Net loans and leases to core deposits | 90.1562% | 2,564 |
| Total domestic deposits to total assets | 77.3406% | 4,582 |
| Equity capital to assets | 11.7487% | 2,065 |
| Core capital (leverage) ratio | 11.7936% | 1,879 |
| Tier 1 risk-based capital ratio | 26.2283% | 653 |
| Total risk-based capital ratio | 26.7031% | 697 |
| Memoranda: | ||
| Average total assets | $112,329,000 | 3,905 |
| Average earning assets | $103,091,000 | 3,934 |
| Average equity | $12,749,200 | 3,922 |
| Average total loans | $64,668,400 | 3,991 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 1,736 |
| Cost of funding earning assets | 0.9445% | 766 |
| Net interest margin | 3.7355% | 2,878 |
| Noninterest income to average assets | 0.2189% | 4,652 |
| Noninterest expense to average assets | 3.1655% | 1,612 |
| Loan and lease loss provision to assets | 0.2592% | 598 |
| Net operating income to assets | 0.3219% | 5,070 |
| Return on assets (ROA) | 0.3219% | 5,063 |
| Pretax return on assets | 0.2201% | 5,195 |
| Return on Equity (ROE) | 2.8607% | 5,021 |
| Retained earnings to average equity (ytd only) | 2.3348% | 4,458 |
| Net charge-offs to loans | 0.1913% | 871 |
| Credit loss provision to net charge-offs | 238.0435% | 1,222 |
| Earnings coverage of net charge-offs (x) | 4.4023% | 3,066 |
| Efficiency ratio | 86.8506% | 472 |
| Assets per employee ($millions) | 3.7177% | 4,286 |
| Cash dividends to net income (ytd only)* | 18.3836% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4689% | 5,223 |
| Loan loss allowance to noncurrent loans | 37.6687% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3978% | 953 |
| Noncurrent loans to loans | 1.2447% | 1,354 |
| Net loans and leases to total assets | 58.4313% | 3,992 |
| Net loans and leases to deposits | 73.0029% | 3,678 |
| Net loans and leases to core deposits | 85.3858% | 3,058 |
| Total domestic deposits to total assets | 80.0396% | 4,114 |
| Equity capital to assets | 11.4874% | 2,270 |
| Core capital (leverage) ratio | 11.7130% | 2,003 |
| Tier 1 risk-based capital ratio | 26.0424% | 679 |
| Total risk-based capital ratio | 26.6563% | 703 |
| Memoranda: | ||
| Average total assets | $112,670,000 | 3,941 |
| Average earning assets | $103,330,500 | 3,966 |
| Average equity | $12,677,250 | 3,962 |
| Average total loans | $64,134,500 | 4,043 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 1,803 |
| Cost of funding earning assets | 0.9234% | 656 |
| Net interest margin | 3.6687% | 3,048 |
| Noninterest income to average assets | 0.2579% | 4,466 |
| Noninterest expense to average assets | 3.1129% | 1,750 |
| Loan and lease loss provision to assets | 0.3745% | 334 |
| Net operating income to assets | 0.2756% | 5,153 |
| Return on assets (ROA) | 0.2756% | 5,147 |
| Pretax return on assets | 0.1325% | 5,280 |
| Return on Equity (ROE) | 2.4018% | 5,116 |
| Retained earnings to average equity (ytd only) | 1.6320% | 4,597 |
| Net charge-offs to loans | 0.2638% | 609 |
| Credit loss provision to net charge-offs | 252.3810% | 1,130 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 2,879 |
| Efficiency ratio | 85.9932% | 569 |
| Assets per employee ($millions) | 3.8104% | 4,194 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4760% | 5,289 |
| Loan loss allowance to noncurrent loans | 49.6774% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1486% | 1,272 |
| Noncurrent loans to loans | 0.9582% | 1,812 |
| Net loans and leases to total assets | 56.3367% | 4,135 |
| Net loans and leases to deposits | 68.6637% | 3,970 |
| Net loans and leases to core deposits | 80.8515% | 3,336 |
| Total domestic deposits to total assets | 82.0472% | 3,708 |
| Equity capital to assets | 11.3839% | 2,280 |
| Core capital (leverage) ratio | 11.5624% | 2,022 |
| Tier 1 risk-based capital ratio | 26.0208% | 672 |
| Total risk-based capital ratio | 26.6388% | 693 |
| Memoranda: | ||
| Average total assets | $113,207,000 | 3,967 |
| Average earning assets | $103,742,330 | 3,992 |
| Average equity | $12,990,000 | 3,934 |
| Average total loans | $63,687,330 | 4,076 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 1,949 |
| Cost of funding earning assets | 0.9086% | 572 |
| Net interest margin | 3.5646% | 3,298 |
| Noninterest income to average assets | 0.1598% | 5,061 |
| Noninterest expense to average assets | 3.1388% | 1,715 |
| Loan and lease loss provision to assets | 0.2485% | 600 |
| Net operating income to assets | 0.1882% | 5,253 |
| Return on assets (ROA) | 0.1882% | 5,251 |
| Pretax return on assets | 0.0462% | 5,360 |
| Return on Equity (ROE) | 1.6335% | 5,229 |
| Retained earnings to average equity (ytd only) | 1.6335% | 4,450 |
| Net charge-offs to loans | 0.5382% | 277 |
| Credit loss provision to net charge-offs | 82.3529% | 1,727 |
| Earnings coverage of net charge-offs (x) | 0.9765% | 2,601 |
| Efficiency ratio | 91.4168% | 386 |
| Assets per employee ($millions) | 3.6290% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2626% | 5,502 |
| Loan loss allowance to noncurrent loans | 41.8782% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2880% | 1,155 |
| Noncurrent loans to loans | 0.6271% | 2,662 |
| Net loans and leases to total assets | 55.7018% | 4,143 |
| Net loans and leases to deposits | 66.7362% | 4,040 |
| Net loans and leases to core deposits | 78.5874% | 3,443 |
| Total domestic deposits to total assets | 83.4656% | 3,518 |
| Equity capital to assets | 11.5254% | 2,110 |
| Core capital (leverage) ratio | 11.5099% | 2,003 |
| Tier 1 risk-based capital ratio | 26.2107% | 667 |
| Total risk-based capital ratio | 26.5500% | 721 |
| Memoranda: | ||
| Average total assets | $112,655,000 | 4,017 |
| Average earning assets | $103,460,500 | 4,041 |
| Average equity | $12,978,500 | 3,972 |
| Average total loans | $63,177,500 | 4,125 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,347 |
| Cost of funding earning assets | 0.9214% | 337 |
| Net interest margin | 3.7135% | 2,743 |
| Noninterest income to average assets | 0.1899% | 5,005 |
| Noninterest expense to average assets | 3.1093% | 1,833 |
| Loan and lease loss provision to assets | 0.0949% | 2,305 |
| Net operating income to assets | 0.4330% | 4,578 |
| Return on assets (ROA) | 0.4330% | 4,605 |
| Pretax return on assets | 0.4082% | 5,080 |
| Return on Equity (ROE) | 3.8359% | 4,550 |
| Retained earnings to average equity (ytd only) | 3.8359% | 2,918 |
| Net charge-offs to loans | 0.0850% | 2,246 |
| Credit loss provision to net charge-offs | 198.1481% | 1,379 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,669 |
| Efficiency ratio | 86.0722% | 640 |
| Assets per employee ($millions) | 3.7604% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2833% | 5,555 |
| Loan loss allowance to noncurrent loans | 14.2292% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5690% | 848 |
| Noncurrent loans to loans | 1.9913% | 767 |
| Net loans and leases to total assets | 56.1523% | 4,177 |
| Net loans and leases to deposits | 69.5674% | 3,912 |
| Net loans and leases to core deposits | 82.1800% | 3,232 |
| Total domestic deposits to total assets | 80.7164% | 4,187 |
| Equity capital to assets | 11.5157% | 2,193 |
| Core capital (leverage) ratio | 11.1226% | 2,223 |
| Tier 1 risk-based capital ratio | 25.6123% | 683 |
| Total risk-based capital ratio | 25.9767% | 733 |
| Memoranda: | ||
| Average total assets | $112,692,400 | 4,016 |
| Average earning assets | $103,863,600 | 4,028 |
| Average equity | $12,721,800 | 4,028 |
| Average total loans | $63,521,600 | 4,110 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 1,313 |
| Cost of funding earning assets | 0.9186% | 316 |
| Net interest margin | 3.7027% | 2,753 |
| Noninterest income to average assets | 0.1302% | 5,358 |
| Noninterest expense to average assets | 3.0590% | 1,925 |
| Loan and lease loss provision to assets | 0.0107% | 3,926 |
| Net operating income to assets | 0.4757% | 4,808 |
| Return on assets (ROA) | 0.4757% | 4,848 |
| Pretax return on assets | 0.4757% | 5,076 |
| Return on Equity (ROE) | 4.2331% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.2331% | 3,381 |
| Net charge-offs to loans | 0.0063% | 3,510 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 136.9975% | 572 |
| Efficiency ratio | 86.2817% | 616 |
| Assets per employee ($millions) | 3.6233% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2101% | 5,651 |
| Loan loss allowance to noncurrent loans | 13.6831% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2936% | 1,242 |
| Noncurrent loans to loans | 1.5354% | 1,213 |
| Net loans and leases to total assets | 56.2442% | 4,213 |
| Net loans and leases to deposits | 69.0449% | 4,034 |
| Net loans and leases to core deposits | 82.5815% | 3,241 |
| Total domestic deposits to total assets | 81.4603% | 3,929 |
| Equity capital to assets | 11.4903% | 2,385 |
| Core capital (leverage) ratio | 11.0640% | 2,398 |
| Tier 1 risk-based capital ratio | 25.9628% | 681 |
| Total risk-based capital ratio | 26.2374% | 737 |
| Memoranda: | ||
| Average total assets | $112,670,250 | 4,058 |
| Average earning assets | $103,921,000 | 4,065 |
| Average equity | $12,662,000 | 4,073 |
| Average total loans | $63,520,500 | 4,146 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 1,283 |
| Cost of funding earning assets | 0.9033% | 298 |
| Net interest margin | 3.6822% | 2,713 |
| Noninterest income to average assets | 0.1046% | 5,499 |
| Noninterest expense to average assets | 3.0376% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4681% | 4,800 |
| Return on assets (ROA) | 0.4681% | 4,825 |
| Pretax return on assets | 0.4646% | 5,064 |
| Return on Equity (ROE) | 4.1969% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.1969% | 3,212 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7342% | 630 |
| Assets per employee ($millions) | 3.6892% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2023% | 5,701 |
| Loan loss allowance to noncurrent loans | 20.0949% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 1,931 |
| Noncurrent loans to loans | 1.0066% | 1,947 |
| Net loans and leases to total assets | 54.7899% | 4,333 |
| Net loans and leases to deposits | 68.4378% | 4,029 |
| Net loans and leases to core deposits | 80.8466% | 3,358 |
| Total domestic deposits to total assets | 80.0579% | 4,397 |
| Equity capital to assets | 11.1729% | 2,631 |
| Core capital (leverage) ratio | 10.9803% | 2,429 |
| Tier 1 risk-based capital ratio | 25.7843% | 688 |
| Total risk-based capital ratio | 26.0481% | 750 |
| Memoranda: | ||
| Average total assets | $112,786,670 | 4,081 |
| Average earning assets | $104,067,000 | 4,096 |
| Average equity | $12,580,670 | 4,097 |
| Average total loans | $63,591,670 | 4,157 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 1,235 |
| Cost of funding earning assets | 0.9050% | 270 |
| Net interest margin | 3.6547% | 2,679 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 3.0572% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3714% | 5,016 |
| Return on assets (ROA) | 0.3714% | 5,039 |
| Pretax return on assets | 0.3179% | 5,283 |
| Return on Equity (ROE) | 3.3328% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.3328% | 3,768 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5820% | 526 |
| Assets per employee ($millions) | 3.9133% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2019% | 5,775 |
| Loan loss allowance to noncurrent loans | 11.7051% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 1,417 |
| Noncurrent loans to loans | 1.7252% | 1,114 |
| Net loans and leases to total assets | 55.3059% | 4,223 |
| Net loans and leases to deposits | 67.5350% | 4,033 |
| Net loans and leases to core deposits | 81.7231% | 3,117 |
| Total domestic deposits to total assets | 81.8922% | 4,195 |
| Equity capital to assets | 11.0480% | 2,584 |
| Core capital (leverage) ratio | 11.0756% | 2,288 |
| Tier 1 risk-based capital ratio | 25.3361% | 745 |
| Total risk-based capital ratio | 25.5991% | 813 |
| Memoranda: | ||
| Average total assets | $111,997,000 | 4,135 |
| Average earning assets | $103,429,000 | 4,143 |
| Average equity | $12,482,000 | 4,139 |
| Average total loans | $63,993,500 | 4,184 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,167 |
| Cost of funding earning assets | 0.9061% | 286 |
| Net interest margin | 3.7437% | 2,524 |
| Noninterest income to average assets | 0.1929% | 5,251 |
| Noninterest expense to average assets | 3.0007% | 2,354 |
| Loan and lease loss provision to assets | 0.0489% | 3,417 |
| Net operating income to assets | 0.5592% | 4,396 |
| Return on assets (ROA) | 0.5715% | 4,445 |
| Pretax return on assets | 0.6295% | 4,710 |
| Return on Equity (ROE) | 5.1634% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.1634% | 2,227 |
| Net charge-offs to loans | 0.0492% | 3,061 |
| Credit loss provision to net charge-offs | 168.7500% | 1,640 |
| Earnings coverage of net charge-offs (x) | 22.9375% | 1,709 |
| Efficiency ratio | 81.8631% | 1,218 |
| Assets per employee ($millions) | 3.8106% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1951% | 5,831 |
| Loan loss allowance to noncurrent loans | 8.2201% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 1,225 |
| Noncurrent loans to loans | 2.3735% | 683 |
| Net loans and leases to total assets | 58.7908% | 3,989 |
| Net loans and leases to deposits | 71.1401% | 3,799 |
| Net loans and leases to core deposits | 86.4534% | 2,817 |
| Total domestic deposits to total assets | 82.6409% | 3,878 |
| Equity capital to assets | 11.2445% | 2,372 |
| Core capital (leverage) ratio | 10.9208% | 2,422 |
| Tier 1 risk-based capital ratio | 24.7748% | 790 |
| Total risk-based capital ratio | 25.0342% | 872 |
| Memoranda: | ||
| Average total assets | $110,407,800 | 4,152 |
| Average earning assets | $102,413,000 | 4,153 |
| Average equity | $12,220,600 | 4,218 |
| Average total loans | $64,999,200 | 4,161 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 1,199 |
| Cost of funding earning assets | 0.9010% | 294 |
| Net interest margin | 3.7444% | 2,538 |
| Noninterest income to average assets | 0.1788% | 5,386 |
| Noninterest expense to average assets | 2.9593% | 2,433 |
| Loan and lease loss provision to assets | 0.0483% | 3,284 |
| Net operating income to assets | 0.5712% | 4,408 |
| Return on assets (ROA) | 0.5798% | 4,486 |
| Pretax return on assets | 0.6547% | 4,724 |
| Return on Equity (ROE) | 5.2590% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.2590% | 2,659 |
| Net charge-offs to loans | 0.0575% | 2,535 |
| Credit loss provision to net charge-offs | 142.8571% | 1,836 |
| Earnings coverage of net charge-offs (x) | 20.5012% | 1,870 |
| Efficiency ratio | 81.0185% | 1,296 |
| Assets per employee ($millions) | 3.8112% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1804% | 5,898 |
| Loan loss allowance to noncurrent loans | 47.7551% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 4,549 |
| Noncurrent loans to loans | 0.3777% | 3,912 |
| Net loans and leases to total assets | 58.5759% | 4,041 |
| Net loans and leases to deposits | 70.5332% | 3,935 |
| Net loans and leases to core deposits | 86.7365% | 2,884 |
| Total domestic deposits to total assets | 83.0473% | 3,573 |
| Equity capital to assets | 11.2454% | 2,750 |
| Core capital (leverage) ratio | 10.7608% | 2,720 |
| Tier 1 risk-based capital ratio | 24.8240% | 831 |
| Total risk-based capital ratio | 25.0670% | 900 |
| Memoranda: | ||
| Average total assets | $110,383,000 | 4,186 |
| Average earning assets | $102,407,250 | 4,179 |
| Average equity | $12,169,250 | 4,259 |
| Average total loans | $64,975,250 | 4,188 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,189 |
| Cost of funding earning assets | 0.8954% | 299 |
| Net interest margin | 3.7418% | 2,544 |
| Noninterest income to average assets | 0.1541% | 5,538 |
| Noninterest expense to average assets | 2.9437% | 2,537 |
| Loan and lease loss provision to assets | 0.0616% | 2,900 |
| Net operating income to assets | 0.5437% | 4,505 |
| Return on assets (ROA) | 0.5565% | 4,569 |
| Pretax return on assets | 0.6326% | 4,811 |
| Return on Equity (ROE) | 5.0817% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.0817% | 2,675 |
| Net charge-offs to loans | 0.0615% | 2,317 |
| Credit loss provision to net charge-offs | 170.0000% | 1,455 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,809 |
| Efficiency ratio | 81.2406% | 1,359 |
| Assets per employee ($millions) | 3.7763% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1841% | 5,976 |
| Loan loss allowance to noncurrent loans | 34.8974% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 4,294 |
| Noncurrent loans to loans | 0.5277% | 3,500 |
| Net loans and leases to total assets | 56.9407% | 4,214 |
| Net loans and leases to deposits | 67.9887% | 4,184 |
| Net loans and leases to core deposits | 82.7310% | 3,202 |
| Total domestic deposits to total assets | 83.7503% | 3,366 |
| Equity capital to assets | 10.8387% | 3,247 |
| Core capital (leverage) ratio | 10.7403% | 2,703 |
| Tier 1 risk-based capital ratio | 24.5982% | 842 |
| Total risk-based capital ratio | 24.8472% | 926 |
| Memoranda: | ||
| Average total assets | $110,335,670 | 4,221 |
| Average earning assets | $102,303,000 | 4,213 |
| Average equity | $12,082,670 | 4,303 |
| Average total loans | $65,014,330 | 4,217 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 988 |
| Cost of funding earning assets | 0.9001% | 294 |
| Net interest margin | 3.8304% | 2,182 |
| Noninterest income to average assets | 0.1102% | 5,791 |
| Noninterest expense to average assets | 3.0131% | 2,351 |
| Loan and lease loss provision to assets | 0.0184% | 3,449 |
| Net operating income to assets | 0.5449% | 4,444 |
| Return on assets (ROA) | 0.5769% | 4,398 |
| Pretax return on assets | 0.6651% | 4,638 |
| Return on Equity (ROE) | 5.2401% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.2401% | 2,791 |
| Net charge-offs to loans | 0.0859% | 1,638 |
| Credit loss provision to net charge-offs | 35.7143% | 2,176 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 1,782 |
| Efficiency ratio | 82.3293% | 1,343 |
| Assets per employee ($millions) | 3.6742% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1465% | 6,054 |
| Loan loss allowance to noncurrent loans | 69.5652% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 5,069 |
| Noncurrent loans to loans | 0.2106% | 4,670 |
| Net loans and leases to total assets | 59.3738% | 3,865 |
| Net loans and leases to deposits | 71.1803% | 3,728 |
| Net loans and leases to core deposits | 85.6702% | 2,779 |
| Total domestic deposits to total assets | 83.4133% | 3,749 |
| Equity capital to assets | 10.9519% | 2,997 |
| Core capital (leverage) ratio | 10.7274% | 2,693 |
| Tier 1 risk-based capital ratio | 24.4400% | 871 |
| Total risk-based capital ratio | 24.6421% | 967 |
| Memoranda: | ||
| Average total assets | $108,859,500 | 4,283 |
| Average earning assets | $100,878,000 | 4,272 |
| Average equity | $11,984,500 | 4,337 |
| Average total loans | $65,208,500 | 4,236 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 1,010 |
| Cost of funding earning assets | 0.9468% | 225 |
| Net interest margin | 3.8023% | 2,367 |
| Noninterest income to average assets | 0.1843% | 5,491 |
| Noninterest expense to average assets | 3.0681% | 2,327 |
| Loan and lease loss provision to assets | 0.0139% | 4,124 |
| Net operating income to assets | 0.5169% | 4,629 |
| Return on assets (ROA) | 0.5169% | 4,715 |
| Pretax return on assets | 0.6031% | 4,829 |
| Return on Equity (ROE) | 4.8296% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.8296% | 2,545 |
| Net charge-offs to loans | 0.0153% | 3,981 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 66.6000% | 807 |
| Efficiency ratio | 83.2579% | 1,250 |
| Assets per employee ($millions) | 3.5831% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1618% | 6,098 |
| Loan loss allowance to noncurrent loans | 60.6936% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 4,746 |
| Noncurrent loans to loans | 0.2667% | 4,488 |
| Net loans and leases to total assets | 60.2556% | 3,799 |
| Net loans and leases to deposits | 72.7916% | 3,636 |
| Net loans and leases to core deposits | 88.3629% | 2,568 |
| Total domestic deposits to total assets | 82.7783% | 3,915 |
| Equity capital to assets | 11.0678% | 2,753 |
| Core capital (leverage) ratio | 10.5331% | 2,895 |
| Tier 1 risk-based capital ratio | 24.1709% | 908 |
| Total risk-based capital ratio | 24.3924% | 987 |
| Memoranda: | ||
| Average total assets | $107,951,200 | 4,297 |
| Average earning assets | $99,387,600 | 4,309 |
| Average equity | $11,553,800 | 4,382 |
| Average total loans | $65,153,600 | 4,227 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 1,015 |
| Cost of funding earning assets | 0.9490% | 223 |
| Net interest margin | 3.8013% | 2,376 |
| Noninterest income to average assets | 0.1530% | 5,721 |
| Noninterest expense to average assets | 3.0598% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4910% | 4,824 |
| Return on assets (ROA) | 0.4910% | 4,913 |
| Pretax return on assets | 0.5873% | 5,007 |
| Return on Equity (ROE) | 4.6272% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.6272% | 3,179 |
| Net charge-offs to loans | 0.0225% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 43.2618% | 1,162 |
| Efficiency ratio | 83.8972% | 1,186 |
| Assets per employee ($millions) | 3.6760% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1364% | 6,194 |
| Loan loss allowance to noncurrent loans | 53.9394% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 4,921 |
| Noncurrent loans to loans | 0.2528% | 4,668 |
| Net loans and leases to total assets | 61.1427% | 3,714 |
| Net loans and leases to deposits | 74.1153% | 3,536 |
| Net loans and leases to core deposits | 89.3807% | 2,524 |
| Total domestic deposits to total assets | 82.4967% | 3,993 |
| Equity capital to assets | 10.9612% | 3,071 |
| Core capital (leverage) ratio | 10.5673% | 2,962 |
| Tier 1 risk-based capital ratio | 23.5178% | 997 |
| Total risk-based capital ratio | 23.7033% | 1,111 |
| Memoranda: | ||
| Average total assets | $108,066,000 | 4,343 |
| Average earning assets | $99,331,250 | 4,352 |
| Average equity | $11,468,000 | 4,445 |
| Average total loans | $65,223,250 | 4,270 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 1,098 |
| Cost of funding earning assets | 0.9455% | 227 |
| Net interest margin | 3.7418% | 2,538 |
| Noninterest income to average assets | 0.1179% | 5,957 |
| Noninterest expense to average assets | 3.0547% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4219% | 5,076 |
| Return on assets (ROA) | 0.4219% | 5,177 |
| Pretax return on assets | 0.4974% | 5,235 |
| Return on Equity (ROE) | 4.0191% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.0191% | 3,454 |
| Net charge-offs to loans | 0.0215% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 38.5714% | 1,153 |
| Efficiency ratio | 85.9959% | 1,061 |
| Assets per employee ($millions) | 3.6130% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1424% | 6,265 |
| Loan loss allowance to noncurrent loans | 47.9381% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 5,151 |
| Noncurrent loans to loans | 0.2970% | 4,623 |
| Net loans and leases to total assets | 60.1688% | 3,807 |
| Net loans and leases to deposits | 70.2853% | 3,899 |
| Net loans and leases to core deposits | 84.6798% | 2,913 |
| Total domestic deposits to total assets | 85.6066% | 2,872 |
| Equity capital to assets | 10.5840% | 3,350 |
| Core capital (leverage) ratio | 10.2679% | 3,257 |
| Tier 1 risk-based capital ratio | 23.3237% | 1,033 |
| Total risk-based capital ratio | 23.5181% | 1,145 |
| Memoranda: | ||
| Average total assets | $108,553,670 | 4,367 |
| Average earning assets | $99,631,670 | 4,377 |
| Average equity | $11,395,670 | 4,486 |
| Average total loans | $65,208,000 | 4,304 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 1,022 |
| Cost of funding earning assets | 0.9414% | 234 |
| Net interest margin | 3.7654% | 2,370 |
| Noninterest income to average assets | -0.0295% | 6,354 |
| Noninterest expense to average assets | 3.0966% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2982% | 5,426 |
| Return on assets (ROA) | 0.2982% | 5,526 |
| Pretax return on assets | 0.3203% | 5,605 |
| Return on Equity (ROE) | 2.8527% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.8527% | 4,259 |
| Net charge-offs to loans | 0.0061% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 553 |
| Efficiency ratio | 90.6250% | 804 |
| Assets per employee ($millions) | 3.7098% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1518% | 6,334 |
| Loan loss allowance to noncurrent loans | 48.2927% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 5,211 |
| Noncurrent loans to loans | 0.3143% | 4,664 |
| Net loans and leases to total assets | 58.5225% | 3,870 |
| Net loans and leases to deposits | 68.1098% | 3,942 |
| Net loans and leases to core deposits | 82.0437% | 2,963 |
| Total domestic deposits to total assets | 85.9238% | 2,981 |
| Equity capital to assets | 10.2431% | 3,837 |
| Core capital (leverage) ratio | 10.3572% | 3,153 |
| Tier 1 risk-based capital ratio | 22.8764% | 1,125 |
| Total risk-based capital ratio | 23.0834% | 1,245 |
| Memoranda: | ||
| Average total assets | $108,635,500 | 4,395 |
| Average earning assets | $99,430,500 | 4,412 |
| Average equity | $11,357,500 | 4,534 |
| Average total loans | $65,157,000 | 4,324 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7750% | 1,159 |
| Cost of funding earning assets | 0.9897% | 242 |
| Net interest margin | 3.7853% | 2,675 |
| Noninterest income to average assets | 0.2318% | 5,474 |
| Noninterest expense to average assets | 3.0423% | 2,715 |
| Loan and lease loss provision to assets | 0.0552% | 3,447 |
| Net operating income to assets | 0.4621% | 4,956 |
| Return on assets (ROA) | 0.4793% | 4,985 |
| Pretax return on assets | 0.6118% | 4,904 |
| Return on Equity (ROE) | 4.7263% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.2727% | 3,146 |
| Net charge-offs to loans | 0.0762% | 3,399 |
| Credit loss provision to net charge-offs | 120.0000% | 1,999 |
| Earnings coverage of net charge-offs (x) | 14.0200% | 2,209 |
| Efficiency ratio | 82.5100% | 1,600 |
| Assets per employee ($millions) | 3.5326% | 4,846 |
| Cash dividends to net income (ytd only)* | 9.5969% | 4,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1536% | 6,426 |
| Loan loss allowance to noncurrent loans | 36.9004% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 4,034 |
| Noncurrent loans to loans | 0.4164% | 4,393 |
| Net loans and leases to total assets | 61.3180% | 3,596 |
| Net loans and leases to deposits | 72.2740% | 3,644 |
| Net loans and leases to core deposits | 89.3225% | 2,351 |
| Total domestic deposits to total assets | 84.8411% | 3,353 |
| Equity capital to assets | 10.6768% | 3,267 |
| Core capital (leverage) ratio | 10.0098% | 3,558 |
| Tier 1 risk-based capital ratio | 22.6693% | 1,124 |
| Total risk-based capital ratio | 22.8783% | 1,262 |
| Memoranda: | ||
| Average total assets | $108,700,200 | 4,403 |
| Average earning assets | $99,225,600 | 4,413 |
| Average equity | $11,023,400 | 4,556 |
| Average total loans | $65,652,000 | 4,312 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 1,192 |
| Cost of funding earning assets | 0.9850% | 264 |
| Net interest margin | 3.7645% | 2,762 |
| Noninterest income to average assets | 0.2365% | 5,510 |
| Noninterest expense to average assets | 2.9852% | 2,851 |
| Loan and lease loss provision to assets | 0.0731% | 2,877 |
| Net operating income to assets | 0.4718% | 4,986 |
| Return on assets (ROA) | 0.4851% | 4,995 |
| Pretax return on assets | 0.6241% | 4,953 |
| Return on Equity (ROE) | 4.8459% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.2372% | 3,638 |
| Net charge-offs to loans | 0.1034% | 2,763 |
| Credit loss provision to net charge-offs | 117.6471% | 1,942 |
| Earnings coverage of net charge-offs (x) | 10.9409% | 2,486 |
| Efficiency ratio | 81.4433% | 1,681 |
| Assets per employee ($millions) | 3.6436% | 4,585 |
| Cash dividends to net income (ytd only)* | 12.5638% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1495% | 6,507 |
| Loan loss allowance to noncurrent loans | 22.9698% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 3,689 |
| Noncurrent loans to loans | 0.6510% | 3,985 |
| Net loans and leases to total assets | 60.4732% | 3,708 |
| Net loans and leases to deposits | 71.3074% | 3,764 |
| Net loans and leases to core deposits | 88.9723% | 2,330 |
| Total domestic deposits to total assets | 84.8062% | 3,420 |
| Equity capital to assets | 10.2216% | 3,905 |
| Core capital (leverage) ratio | 9.9066% | 3,808 |
| Tier 1 risk-based capital ratio | 22.2461% | 1,228 |
| Total risk-based capital ratio | 22.4507% | 1,387 |
| Memoranda: | ||
| Average total assets | $109,381,000 | 4,435 |
| Average earning assets | $99,629,250 | 4,446 |
| Average equity | $10,950,500 | 4,607 |
| Average total loans | $65,794,250 | 4,338 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 1,207 |
| Cost of funding earning assets | 0.9824% | 278 |
| Net interest margin | 3.7543% | 2,742 |
| Noninterest income to average assets | 0.2285% | 5,569 |
| Noninterest expense to average assets | 2.9743% | 2,923 |
| Loan and lease loss provision to assets | 0.1097% | 2,190 |
| Net operating income to assets | 0.4314% | 5,091 |
| Return on assets (ROA) | 0.4314% | 5,177 |
| Pretax return on assets | 0.5539% | 5,123 |
| Return on Equity (ROE) | 4.3397% | 5,004 |
| Retained earnings to average equity (ytd only) | 4.3397% | 3,411 |
| Net charge-offs to loans | 0.1523% | 2,173 |
| Credit loss provision to net charge-offs | 120.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 7.2600% | 2,656 |
| Efficiency ratio | 81.7588% | 1,769 |
| Assets per employee ($millions) | 3.5713% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1512% | 6,577 |
| Loan loss allowance to noncurrent loans | 24.3309% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 4,153 |
| Noncurrent loans to loans | 0.6214% | 4,160 |
| Net loans and leases to total assets | 59.6519% | 3,778 |
| Net loans and leases to deposits | 70.2127% | 3,802 |
| Net loans and leases to core deposits | 87.1079% | 2,408 |
| Total domestic deposits to total assets | 84.9588% | 3,528 |
| Equity capital to assets | 9.9712% | 4,145 |
| Core capital (leverage) ratio | 9.7339% | 3,991 |
| Tier 1 risk-based capital ratio | 21.9467% | 1,265 |
| Total risk-based capital ratio | 22.1547% | 1,440 |
| Memoranda: | ||
| Average total assets | $109,405,330 | 4,457 |
| Average earning assets | $99,351,670 | 4,485 |
| Average equity | $10,876,330 | 4,641 |
| Average total loans | $65,658,670 | 4,365 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 1,162 |
| Cost of funding earning assets | 0.9886% | 286 |
| Net interest margin | 3.7541% | 2,661 |
| Noninterest income to average assets | 0.2060% | 5,709 |
| Noninterest expense to average assets | 3.0123% | 2,828 |
| Loan and lease loss provision to assets | 0.0074% | 3,721 |
| Net operating income to assets | 0.4193% | 5,045 |
| Return on assets (ROA) | 0.4193% | 5,115 |
| Pretax return on assets | 0.5664% | 4,953 |
| Return on Equity (ROE) | 4.2242% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.2242% | 3,596 |
| Net charge-offs to loans | -0.0061% | 4,870 |
| Credit loss provision to net charge-offs | -200.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 1,672 |
| Assets per employee ($millions) | 3.6957% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1429% | 6,651 |
| Loan loss allowance to noncurrent loans | 44.2857% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 4,720 |
| Noncurrent loans to loans | 0.3226% | 5,140 |
| Net loans and leases to total assets | 58.6231% | 3,748 |
| Net loans and leases to deposits | 69.7232% | 3,638 |
| Net loans and leases to core deposits | 87.2219% | 2,173 |
| Total domestic deposits to total assets | 84.0797% | 4,244 |
| Equity capital to assets | 9.8132% | 4,088 |
| Core capital (leverage) ratio | 9.7545% | 3,923 |
| Tier 1 risk-based capital ratio | 21.8449% | 1,317 |
| Total risk-based capital ratio | 22.0400% | 1,489 |
| Memoranda: | ||
| Average total assets | $108,753,500 | 4,514 |
| Average earning assets | $97,918,500 | 4,570 |
| Average equity | $10,795,000 | 4,667 |
| Average total loans | $65,418,000 | 4,417 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 1,223 |
| Cost of funding earning assets | 1.0435% | 369 |
| Net interest margin | 3.7984% | 2,665 |
| Noninterest income to average assets | 0.2510% | 5,550 |
| Noninterest expense to average assets | 3.0349% | 2,948 |
| Loan and lease loss provision to assets | 0.0019% | 5,072 |
| Net operating income to assets | 0.5200% | 4,648 |
| Return on assets (ROA) | 0.5200% | 4,778 |
| Pretax return on assets | 0.7000% | 4,542 |
| Return on Equity (ROE) | 5.2280% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.2280% | 2,464 |
| Net charge-offs to loans | 0.0168% | 5,112 |
| Credit loss provision to net charge-offs | 18.1818% | 4,479 |
| Earnings coverage of net charge-offs (x) | 67.3636% | 627 |
| Efficiency ratio | 81.2167% | 1,989 |
| Assets per employee ($millions) | 3.6771% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1369% | 6,725 |
| Loan loss allowance to noncurrent loans | 12.0160% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 4,104 |
| Noncurrent loans to loans | 1.1392% | 3,264 |
| Net loans and leases to total assets | 61.5711% | 3,429 |
| Net loans and leases to deposits | 73.9939% | 3,255 |
| Net loans and leases to core deposits | 92.5476% | 1,722 |
| Total domestic deposits to total assets | 83.2111% | 4,467 |
| Equity capital to assets | 10.0435% | 3,702 |
| Core capital (leverage) ratio | 9.7408% | 3,922 |
| Tier 1 risk-based capital ratio | 21.7132% | 1,303 |
| Total risk-based capital ratio | 21.9029% | 1,474 |
| Memoranda: | ||
| Average total assets | $105,571,800 | 4,606 |
| Average earning assets | $96,883,000 | 4,596 |
| Average equity | $10,501,200 | 4,743 |
| Average total loans | $65,487,200 | 4,431 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 1,277 |
| Cost of funding earning assets | 1.0558% | 381 |
| Net interest margin | 3.7782% | 2,720 |
| Noninterest income to average assets | 0.2646% | 5,556 |
| Noninterest expense to average assets | 2.9918% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5508% | 4,585 |
| Return on assets (ROA) | 0.5508% | 4,727 |
| Pretax return on assets | 0.7432% | 4,517 |
| Return on Equity (ROE) | 5.5507% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.5507% | 2,694 |
| Net charge-offs to loans | 0.0061% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 195.6625% | 298 |
| Efficiency ratio | 80.1017% | 2,080 |
| Assets per employee ($millions) | 3.5865% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1452% | 6,807 |
| Loan loss allowance to noncurrent loans | 27.2727% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 5,212 |
| Noncurrent loans to loans | 0.5323% | 4,862 |
| Net loans and leases to total assets | 63.4913% | 3,084 |
| Net loans and leases to deposits | 77.1016% | 2,810 |
| Net loans and leases to core deposits | 96.2470% | 1,373 |
| Total domestic deposits to total assets | 82.3475% | 4,807 |
| Equity capital to assets | 10.1781% | 3,669 |
| Core capital (leverage) ratio | 9.8622% | 3,875 |
| Tier 1 risk-based capital ratio | 21.6298% | 1,376 |
| Total risk-based capital ratio | 21.8325% | 1,558 |
| Memoranda: | ||
| Average total assets | $105,305,750 | 4,660 |
| Average earning assets | $96,728,750 | 4,651 |
| Average equity | $10,449,000 | 4,803 |
| Average total loans | $65,422,250 | 4,468 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 1,279 |
| Cost of funding earning assets | 1.0719% | 383 |
| Net interest margin | 3.7527% | 2,753 |
| Noninterest income to average assets | 0.2497% | 5,662 |
| Noninterest expense to average assets | 3.0169% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5107% | 4,764 |
| Return on assets (ROA) | 0.5107% | 4,921 |
| Pretax return on assets | 0.6828% | 4,739 |
| Return on Equity (ROE) | 5.1906% | 4,626 |
| Retained earnings to average equity (ytd only) | 5.1906% | 2,934 |
| Net charge-offs to loans | 0.0031% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 139 |
| Efficiency ratio | 81.5440% | 1,958 |
| Assets per employee ($millions) | 3.6102% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1507% | 6,853 |
| Loan loss allowance to noncurrent loans | 106.5217% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 5,445 |
| Noncurrent loans to loans | 0.1415% | 5,970 |
| Net loans and leases to total assets | 62.0278% | 3,278 |
| Net loans and leases to deposits | 75.6031% | 2,937 |
| Net loans and leases to core deposits | 95.0805% | 1,431 |
| Total domestic deposits to total assets | 82.0440% | 5,043 |
| Equity capital to assets | 9.9967% | 3,920 |
| Core capital (leverage) ratio | 9.5620% | 4,141 |
| Tier 1 risk-based capital ratio | 21.5892% | 1,371 |
| Total risk-based capital ratio | 21.7994% | 1,572 |
| Memoranda: | ||
| Average total assets | $105,738,330 | 4,680 |
| Average earning assets | $97,210,330 | 4,668 |
| Average equity | $10,403,330 | 4,850 |
| Average total loans | $65,185,670 | 4,494 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 1,380 |
| Cost of funding earning assets | 1.0917% | 392 |
| Net interest margin | 3.6676% | 2,998 |
| Noninterest income to average assets | 0.2597% | 5,604 |
| Noninterest expense to average assets | 2.9588% | 3,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5120% | 4,599 |
| Return on assets (ROA) | 0.5120% | 4,745 |
| Pretax return on assets | 0.6776% | 4,666 |
| Return on Equity (ROE) | 5.2449% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.2449% | 3,084 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3665% | 2,139 |
| Assets per employee ($millions) | 3.6513% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1501% | 6,928 |
| Loan loss allowance to noncurrent loans | 22.9698% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 4,975 |
| Noncurrent loans to loans | 0.6536% | 4,816 |
| Net loans and leases to total assets | 62.1812% | 3,028 |
| Net loans and leases to deposits | 74.3317% | 2,879 |
| Net loans and leases to core deposits | 94.4243% | 1,315 |
| Total domestic deposits to total assets | 83.6536% | 4,610 |
| Equity capital to assets | 9.8462% | 4,360 |
| Core capital (leverage) ratio | 9.3551% | 4,313 |
| Tier 1 risk-based capital ratio | 21.1487% | 1,501 |
| Total risk-based capital ratio | 21.3597% | 1,712 |
| Memoranda: | ||
| Average total assets | $106,260,000 | 4,709 |
| Average earning assets | $97,829,000 | 4,690 |
| Average equity | $10,372,000 | 4,915 |
| Average total loans | $65,259,500 | 4,518 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 2,264 |
| Cost of funding earning assets | 1.1483% | 743 |
| Net interest margin | 3.6334% | 3,947 |
| Noninterest income to average assets | 0.2415% | 5,719 |
| Noninterest expense to average assets | 2.9729% | 3,371 |
| Loan and lease loss provision to assets | 0.0019% | 5,892 |
| Net operating income to assets | 0.4571% | 4,850 |
| Return on assets (ROA) | 0.4571% | 5,101 |
| Pretax return on assets | 0.6150% | 4,952 |
| Return on Equity (ROE) | 4.8912% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.8912% | 2,771 |
| Net charge-offs to loans | 0.0047% | 5,906 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 221.3333% | 191 |
| Efficiency ratio | 82.8157% | 1,770 |
| Assets per employee ($millions) | 3.5544% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1533% | 6,974 |
| Loan loss allowance to noncurrent loans | 45.0000% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 5,790 |
| Noncurrent loans to loans | 0.3407% | 5,631 |
| Net loans and leases to total assets | 60.4683% | 3,522 |
| Net loans and leases to deposits | 72.8359% | 3,279 |
| Net loans and leases to core deposits | 92.7221% | 1,576 |
| Total domestic deposits to total assets | 83.0199% | 4,721 |
| Equity capital to assets | 9.6764% | 4,625 |
| Core capital (leverage) ratio | 8.8562% | 5,087 |
| Tier 1 risk-based capital ratio | 21.2735% | 1,402 |
| Total risk-based capital ratio | 21.4884% | 1,589 |
| Memoranda: | ||
| Average total assets | $107,640,400 | 4,645 |
| Average earning assets | $99,191,400 | 4,610 |
| Average equity | $10,058,800 | 4,970 |
| Average total loans | $64,413,400 | 4,562 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 2,517 |
| Cost of funding earning assets | 1.1403% | 898 |
| Net interest margin | 3.6273% | 4,117 |
| Noninterest income to average assets | 0.2410% | 5,829 |
| Noninterest expense to average assets | 2.9127% | 3,542 |
| Loan and lease loss provision to assets | 0.0025% | 5,773 |
| Net operating income to assets | 0.4918% | 4,875 |
| Return on assets (ROA) | 0.4918% | 5,144 |
| Pretax return on assets | 0.6710% | 4,954 |
| Return on Equity (ROE) | 5.3097% | 4,683 |
| Retained earnings to average equity (ytd only) | 5.3097% | 3,148 |
| Net charge-offs to loans | 0.0041% | 5,703 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 272.1536% | 169 |
| Efficiency ratio | 81.2198% | 1,905 |
| Assets per employee ($millions) | 3.7459% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1534% | 7,088 |
| Loan loss allowance to noncurrent loans | 48.0769% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 6,136 |
| Noncurrent loans to loans | 0.3191% | 5,841 |
| Net loans and leases to total assets | 59.9070% | 3,800 |
| Net loans and leases to deposits | 73.6924% | 3,341 |
| Net loans and leases to core deposits | 89.7775% | 2,012 |
| Total domestic deposits to total assets | 81.2934% | 5,267 |
| Equity capital to assets | 9.3906% | 5,351 |
| Core capital (leverage) ratio | 8.8630% | 5,248 |
| Tier 1 risk-based capital ratio | 21.0564% | 1,512 |
| Total risk-based capital ratio | 21.2729% | 1,723 |
| Memoranda: | ||
| Average total assets | $107,892,750 | 4,689 |
| Average earning assets | $99,502,250 | 4,654 |
| Average equity | $9,994,000 | 5,027 |
| Average total loans | $64,372,500 | 4,610 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 2,602 |
| Cost of funding earning assets | 1.1435% | 1,058 |
| Net interest margin | 3.6321% | 4,124 |
| Noninterest income to average assets | 0.2378% | 5,864 |
| Noninterest expense to average assets | 2.9132% | 3,567 |
| Loan and lease loss provision to assets | 0.0037% | 5,599 |
| Net operating income to assets | 0.4831% | 4,897 |
| Return on assets (ROA) | 0.4831% | 5,145 |
| Pretax return on assets | 0.6670% | 4,921 |
| Return on Equity (ROE) | 5.2393% | 4,687 |
| Retained earnings to average equity (ytd only) | 5.2393% | 3,131 |
| Net charge-offs to loans | 0.0062% | 5,402 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 180.5000% | 254 |
| Efficiency ratio | 81.2856% | 1,992 |
| Assets per employee ($millions) | 3.8559% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1545% | 7,158 |
| Loan loss allowance to noncurrent loans | 188.6792% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,703 |
| Noncurrent loans to loans | 0.0819% | 6,458 |
| Net loans and leases to total assets | 57.8027% | 4,198 |
| Net loans and leases to deposits | 71.0376% | 3,761 |
| Net loans and leases to core deposits | 85.3887% | 2,506 |
| Total domestic deposits to total assets | 81.3692% | 5,342 |
| Equity capital to assets | 8.9975% | 5,706 |
| Core capital (leverage) ratio | 8.8170% | 5,193 |
| Tier 1 risk-based capital ratio | 20.8507% | 1,511 |
| Total risk-based capital ratio | 21.0688% | 1,721 |
| Memoranda: | ||
| Average total assets | $107,647,000 | 4,726 |
| Average earning assets | $99,171,670 | 4,686 |
| Average equity | $9,925,000 | 5,051 |
| Average total loans | $64,104,330 | 4,633 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 2,341 |
| Cost of funding earning assets | 1.1560% | 1,153 |
| Net interest margin | 3.7188% | 3,743 |
| Noninterest income to average assets | 0.2615% | 5,777 |
| Noninterest expense to average assets | 3.0504% | 3,083 |
| Loan and lease loss provision to assets | 0.0076% | 5,186 |
| Net operating income to assets | 0.4585% | 4,999 |
| Return on assets (ROA) | 0.4585% | 5,195 |
| Pretax return on assets | 0.6290% | 5,019 |
| Return on Equity (ROE) | 4.9102% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.9102% | 3,607 |
| Net charge-offs to loans | 0.0125% | 4,527 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 406 |
| Efficiency ratio | 82.7338% | 1,836 |
| Assets per employee ($millions) | 3.6962% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1562% | 7,210 |
| Loan loss allowance to noncurrent loans | 104.1667% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 6,660 |
| Noncurrent loans to loans | 0.1499% | 6,382 |
| Net loans and leases to total assets | 59.6516% | 3,741 |
| Net loans and leases to deposits | 74.3834% | 3,066 |
| Net loans and leases to core deposits | 90.6629% | 1,784 |
| Total domestic deposits to total assets | 80.1948% | 5,809 |
| Equity capital to assets | 9.2528% | 5,153 |
| Core capital (leverage) ratio | 9.1061% | 4,674 |
| Tier 1 risk-based capital ratio | 21.2808% | 1,430 |
| Total risk-based capital ratio | 21.5033% | 1,621 |
| Memoranda: | ||
| Average total assets | $105,560,500 | 4,801 |
| Average earning assets | $97,235,000 | 4,771 |
| Average equity | $9,857,000 | 5,079 |
| Average total loans | $63,789,000 | 4,670 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 2,792 |
| Cost of funding earning assets | 1.2205% | 1,895 |
| Net interest margin | 3.8002% | 3,816 |
| Noninterest income to average assets | 0.2445% | 5,791 |
| Noninterest expense to average assets | 2.9059% | 3,937 |
| Loan and lease loss provision to assets | 0.0153% | 6,360 |
| Net operating income to assets | 0.5970% | 4,011 |
| Return on assets (ROA) | 0.5970% | 4,199 |
| Pretax return on assets | 0.8330% | 3,854 |
| Return on Equity (ROE) | 6.6036% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.6036% | 1,693 |
| Net charge-offs to loans | 0.0253% | 6,082 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 514 |
| Efficiency ratio | 77.4046% | 2,676 |
| Assets per employee ($millions) | 3.5839% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1574% | 7,265 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,023 |
| Noncurrent loans to loans | 0.0016% | 6,873 |
| Net loans and leases to total assets | 61.0380% | 3,777 |
| Net loans and leases to deposits | 78.2451% | 2,796 |
| Net loans and leases to core deposits | 95.5176% | 1,543 |
| Total domestic deposits to total assets | 78.0087% | 6,190 |
| Equity capital to assets | 9.4254% | 4,993 |
| Core capital (leverage) ratio | 9.0434% | 4,703 |
| Tier 1 risk-based capital ratio | 21.4804% | 1,324 |
| Total risk-based capital ratio | 21.7083% | 1,503 |
| Memoranda: | ||
| Average total assets | $104,684,000 | 4,767 |
| Average earning assets | $96,680,000 | 4,726 |
| Average equity | $9,464,600 | 5,164 |
| Average total loans | $63,312,800 | 4,735 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 2,913 |
| Cost of funding earning assets | 1.2430% | 2,041 |
| Net interest margin | 3.7922% | 3,914 |
| Noninterest income to average assets | 0.2441% | 5,875 |
| Noninterest expense to average assets | 2.9038% | 3,916 |
| Loan and lease loss provision to assets | 0.0153% | 6,242 |
| Net operating income to assets | 0.5937% | 4,112 |
| Return on assets (ROA) | 0.5937% | 4,302 |
| Pretax return on assets | 0.8277% | 4,029 |
| Return on Equity (ROE) | 6.6368% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.6368% | 2,176 |
| Net charge-offs to loans | 0.0253% | 5,787 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 55.2488% | 592 |
| Efficiency ratio | 77.5025% | 2,607 |
| Assets per employee ($millions) | 3.8794% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1544% | 7,345 |
| Loan loss allowance to noncurrent loans | 166.6667% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,860 |
| Noncurrent loans to loans | 0.0926% | 6,701 |
| Net loans and leases to total assets | 59.5275% | 4,223 |
| Net loans and leases to deposits | 77.6538% | 3,059 |
| Net loans and leases to core deposits | 93.2520% | 1,850 |
| Total domestic deposits to total assets | 76.6576% | 6,427 |
| Equity capital to assets | 8.8702% | 5,893 |
| Core capital (leverage) ratio | 8.8239% | 5,222 |
| Tier 1 risk-based capital ratio | 20.6201% | 1,536 |
| Total risk-based capital ratio | 20.8419% | 1,756 |
| Memoranda: | ||
| Average total assets | $104,872,000 | 4,793 |
| Average earning assets | $96,863,250 | 4,744 |
| Average equity | $9,381,750 | 5,213 |
| Average total loans | $63,256,500 | 4,790 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 2,628 |
| Cost of funding earning assets | 1.2595% | 2,189 |
| Net interest margin | 3.8513% | 3,528 |
| Noninterest income to average assets | 0.2297% | 6,015 |
| Noninterest expense to average assets | 2.9916% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5848% | 4,132 |
| Return on assets (ROA) | 0.5848% | 4,264 |
| Pretax return on assets | 0.8029% | 4,017 |
| Return on Equity (ROE) | 6.5180% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.5180% | 2,132 |
| Net charge-offs to loans | 0.0064% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 174 |
| Efficiency ratio | 78.8403% | 2,579 |
| Assets per employee ($millions) | 3.7247% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1186% | 7,419 |
| Loan loss allowance to noncurrent loans | 105.5556% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 6,927 |
| Noncurrent loans to loans | 0.1124% | 6,698 |
| Net loans and leases to total assets | 61.3476% | 4,016 |
| Net loans and leases to deposits | 80.4537% | 2,714 |
| Net loans and leases to core deposits | 96.0372% | 1,681 |
| Total domestic deposits to total assets | 76.2520% | 6,564 |
| Equity capital to assets | 9.0717% | 5,480 |
| Core capital (leverage) ratio | 8.7850% | 5,072 |
| Tier 1 risk-based capital ratio | 22.6188% | 1,176 |
| Total risk-based capital ratio | 22.8070% | 1,296 |
| Memoranda: | ||
| Average total assets | $103,622,000 | 4,867 |
| Average earning assets | $95,914,670 | 4,825 |
| Average equity | $9,297,330 | 5,239 |
| Average total loans | $62,755,330 | 4,841 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 3,168 |
| Cost of funding earning assets | 1.2838% | 2,282 |
| Net interest margin | 3.7008% | 4,097 |
| Noninterest income to average assets | 0.2595% | 5,815 |
| Noninterest expense to average assets | 2.9549% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5460% | 4,287 |
| Return on assets (ROA) | 0.5460% | 4,371 |
| Pretax return on assets | 0.7319% | 4,181 |
| Return on Equity (ROE) | 6.1201% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.1201% | 2,562 |
| Net charge-offs to loans | 0.0129% | 4,903 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 331 |
| Efficiency ratio | 80.1471% | 2,502 |
| Assets per employee ($millions) | 3.5742% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1219% | 7,470 |
| Loan loss allowance to noncurrent loans | 124.5902% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 7,013 |
| Noncurrent loans to loans | 0.0978% | 6,798 |
| Net loans and leases to total assets | 60.0837% | 4,244 |
| Net loans and leases to deposits | 78.7850% | 2,929 |
| Net loans and leases to core deposits | 93.6723% | 1,934 |
| Total domestic deposits to total assets | 76.2629% | 6,627 |
| Equity capital to assets | 8.9617% | 5,261 |
| Core capital (leverage) ratio | 8.6803% | 5,119 |
| Tier 1 risk-based capital ratio | 22.8698% | 1,100 |
| Total risk-based capital ratio | 23.0636% | 1,230 |
| Memoranda: | ||
| Average total assets | $103,287,500 | 4,909 |
| Average earning assets | $95,654,500 | 4,861 |
| Average equity | $9,215,500 | 5,257 |
| Average total loans | $62,105,000 | 4,900 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 3,674 |
| Cost of funding earning assets | 1.5417% | 2,398 |
| Net interest margin | 3.6436% | 4,604 |
| Noninterest income to average assets | 0.2174% | 6,251 |
| Noninterest expense to average assets | 2.9807% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3877% | 4,599 |
| Return on assets (ROA) | 0.3877% | 4,741 |
| Pretax return on assets | 0.5908% | 4,353 |
| Return on Equity (ROE) | 4.6078% | 4,245 |
| Retained earnings to average equity (ytd only) | 4.6078% | 2,657 |
| Net charge-offs to loans | 0.0513% | 6,278 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 19.8065% | 1,044 |
| Efficiency ratio | 83.4591% | 1,991 |
| Assets per employee ($millions) | 3.6758% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1148% | 7,552 |
| Loan loss allowance to noncurrent loans | 591.6667% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 6,992 |
| Noncurrent loans to loans | 0.0194% | 7,099 |
| Net loans and leases to total assets | 60.0303% | 4,675 |
| Net loans and leases to deposits | 77.7757% | 3,548 |
| Net loans and leases to core deposits | 91.1310% | 2,602 |
| Total domestic deposits to total assets | 77.1839% | 6,454 |
| Equity capital to assets | 8.8824% | 5,315 |
| Core capital (leverage) ratio | 8.5808% | 5,223 |
| Tier 1 risk-based capital ratio | 22.7585% | 1,071 |
| Total risk-based capital ratio | 22.9421% | 1,197 |
| Memoranda: | ||
| Average total assets | $103,934,000 | 4,872 |
| Average earning assets | $95,673,800 | 4,840 |
| Average equity | $8,746,000 | 5,491 |
| Average total loans | $60,464,800 | 5,051 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 3,645 |
| Cost of funding earning assets | 1.5769% | 2,529 |
| Net interest margin | 3.6618% | 4,584 |
| Noninterest income to average assets | 0.2099% | 6,409 |
| Noninterest expense to average assets | 2.9280% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4146% | 4,683 |
| Return on assets (ROA) | 0.4146% | 4,860 |
| Pretax return on assets | 0.6488% | 4,428 |
| Return on Equity (ROE) | 4.9958% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,992 |
| Net charge-offs to loans | 0.0532% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 21.1244% | 1,142 |
| Efficiency ratio | 81.8605% | 2,077 |
| Assets per employee ($millions) | 3.6899% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1191% | 7,663 |
| Loan loss allowance to noncurrent loans | 32.7354% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 6,619 |
| Noncurrent loans to loans | 0.3638% | 6,465 |
| Net loans and leases to total assets | 59.2526% | 5,054 |
| Net loans and leases to deposits | 80.3744% | 3,381 |
| Net loans and leases to core deposits | 91.8858% | 2,825 |
| Total domestic deposits to total assets | 73.7207% | 6,954 |
| Equity capital to assets | 8.7914% | 5,871 |
| Core capital (leverage) ratio | 8.4515% | 5,599 |
| Tier 1 risk-based capital ratio | 22.2333% | 1,175 |
| Total risk-based capital ratio | 22.3994% | 1,315 |
| Memoranda: | ||
| Average total assets | $104,186,750 | 4,929 |
| Average earning assets | $95,796,250 | 4,897 |
| Average equity | $8,647,000 | 5,584 |
| Average total loans | $60,117,000 | 5,144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 3,263 |
| Cost of funding earning assets | 1.6155% | 2,573 |
| Net interest margin | 3.7252% | 4,250 |
| Noninterest income to average assets | 0.2087% | 6,425 |
| Noninterest expense to average assets | 2.9040% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4633% | 4,493 |
| Return on assets (ROA) | 0.4633% | 4,649 |
| Pretax return on assets | 0.7389% | 4,112 |
| Return on Equity (ROE) | 5.6930% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.6930% | 2,500 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7162% | 2,477 |
| Assets per employee ($millions) | 3.6949% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1430% | 7,726 |
| Loan loss allowance to noncurrent loans | 89.5833% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 6,991 |
| Noncurrent loans to loans | 0.1596% | 6,942 |
| Net loans and leases to total assets | 58.0612% | 5,411 |
| Net loans and leases to deposits | 83.4187% | 2,989 |
| Net loans and leases to core deposits | 95.2735% | 2,541 |
| Total domestic deposits to total assets | 69.6022% | 7,352 |
| Equity capital to assets | 8.3329% | 6,382 |
| Core capital (leverage) ratio | 8.3345% | 5,698 |
| Tier 1 risk-based capital ratio | 21.0517% | 1,329 |
| Total risk-based capital ratio | 21.2617% | 1,481 |
| Memoranda: | ||
| Average total assets | $104,476,670 | 4,952 |
| Average earning assets | $96,317,330 | 4,920 |
| Average equity | $8,501,670 | 5,637 |
| Average total loans | $59,725,670 | 5,190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3534% | 3,280 |
| Cost of funding earning assets | 1.6536% | 2,627 |
| Net interest margin | 3.6999% | 4,243 |
| Noninterest income to average assets | 0.2019% | 6,519 |
| Noninterest expense to average assets | 2.9261% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4267% | 4,725 |
| Return on assets (ROA) | 0.4267% | 4,859 |
| Pretax return on assets | 0.6858% | 4,284 |
| Return on Equity (ROE) | 5.3068% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.3068% | 2,981 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0127% | 2,408 |
| Assets per employee ($millions) | 3.7814% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1431% | 7,829 |
| Loan loss allowance to noncurrent loans | 36.4807% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 6,768 |
| Noncurrent loans to loans | 0.3923% | 6,495 |
| Net loans and leases to total assets | 56.0111% | 5,743 |
| Net loans and leases to deposits | 86.5512% | 2,492 |
| Net loans and leases to core deposits | 97.0034% | 2,459 |
| Total domestic deposits to total assets | 64.7144% | 7,654 |
| Equity capital to assets | 7.9988% | 6,653 |
| Core capital (leverage) ratio | 7.9978% | 6,245 |
| Tier 1 risk-based capital ratio | 20.7524% | 1,380 |
| Total risk-based capital ratio | 20.9607% | 1,546 |
| Memoranda: | ||
| Average total assets | $104,986,000 | 5,009 |
| Average earning assets | $96,760,500 | 4,963 |
| Average equity | $8,442,000 | 5,702 |
| Average total loans | $59,511,000 | 5,271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5518% | 3,860 |
| Cost of funding earning assets | 2.1559% | 2,210 |
| Net interest margin | 3.3959% | 5,381 |
| Noninterest income to average assets | 0.2869% | 6,054 |
| Noninterest expense to average assets | 2.8153% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4240% | 4,036 |
| Return on assets (ROA) | -0.2293% | 5,874 |
| Pretax return on assets | -0.3237% | 5,855 |
| Return on Equity (ROE) | -2.8991% | 5,968 |
| Retained earnings to average equity (ytd only) | -2.8991% | 5,679 |
| Net charge-offs to loans | -0.0504% | 7,845 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5173% | 2,546 |
| Assets per employee ($millions) | 3.7176% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1124% | 7,909 |
| Loan loss allowance to noncurrent loans | 515.3846% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,507 |
| Noncurrent loans to loans | 0.0218% | 7,384 |
| Net loans and leases to total assets | 57.2238% | 5,786 |
| Net loans and leases to deposits | 89.9870% | 2,220 |
| Net loans and leases to core deposits | 153.9014% | 433 |
| Total domestic deposits to total assets | 63.5912% | 7,717 |
| Equity capital to assets | 8.0841% | 6,485 |
| Core capital (leverage) ratio | 8.0832% | 6,025 |
| Tier 1 risk-based capital ratio | 20.6180% | 1,357 |
| Total risk-based capital ratio | 20.7822% | 1,515 |
| Memoranda: | ||
| Average total assets | $105,957,000 | 4,927 |
| Average earning assets | $97,499,800 | 4,907 |
| Average equity | $8,381,800 | 5,811 |
| Average total loans | $57,581,800 | 5,358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5688% | 4,043 |
| Cost of funding earning assets | 2.2602% | 2,151 |
| Net interest margin | 3.3086% | 5,609 |
| Noninterest income to average assets | 0.3132% | 5,973 |
| Noninterest expense to average assets | 2.7637% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4047% | 4,379 |
| Return on assets (ROA) | -0.4260% | 6,352 |
| Pretax return on assets | -0.6277% | 6,423 |
| Return on Equity (ROE) | -5.4137% | 6,494 |
| Retained earnings to average equity (ytd only) | -5.4137% | 6,304 |
| Net charge-offs to loans | -0.0771% | 7,895 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3134% | 2,538 |
| Assets per employee ($millions) | 3.9394% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1159% | 7,998 |
| Loan loss allowance to noncurrent loans | 87.0130% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 6,809 |
| Noncurrent loans to loans | 0.1332% | 7,149 |
| Net loans and leases to total assets | 54.2956% | 6,348 |
| Net loans and leases to deposits | 84.1667% | 3,617 |
| Net loans and leases to core deposits | 141.5917% | 845 |
| Total domestic deposits to total assets | 64.5096% | 7,746 |
| Equity capital to assets | 7.8429% | 6,996 |
| Core capital (leverage) ratio | 7.8419% | 6,564 |
| Tier 1 risk-based capital ratio | 20.9578% | 1,369 |
| Total risk-based capital ratio | 21.1262% | 1,541 |
| Memoranda: | ||
| Average total assets | $106,423,000 | 4,947 |
| Average earning assets | $97,924,000 | 4,922 |
| Average equity | $8,373,500 | 5,864 |
| Average total loans | $57,069,000 | 5,426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 3,954 |
| Cost of funding earning assets | 2.3921% | 1,994 |
| Net interest margin | 3.2304% | 5,806 |
| Noninterest income to average assets | 0.3514% | 5,693 |
| Noninterest expense to average assets | 2.7733% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3706% | 4,619 |
| Return on assets (ROA) | -0.8568% | 6,879 |
| Pretax return on assets | -1.2852% | 6,980 |
| Return on Equity (ROE) | -10.8779% | 7,104 |
| Retained earnings to average equity (ytd only) | -10.8779% | 6,963 |
| Net charge-offs to loans | -0.1338% | 7,991 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5314% | 2,537 |
| Assets per employee ($millions) | 3.9051% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1164% | 8,094 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 6,728 |
| Noncurrent loans to loans | 0.1270% | 7,198 |
| Net loans and leases to total assets | 53.7074% | 6,495 |
| Net loans and leases to deposits | 82.4459% | 4,153 |
| Net loans and leases to core deposits | 143.2315% | 874 |
| Total domestic deposits to total assets | 65.1425% | 7,784 |
| Equity capital to assets | 8.0275% | 6,719 |
| Core capital (leverage) ratio | 8.0275% | 6,277 |
| Tier 1 risk-based capital ratio | 23.5020% | 1,088 |
| Total risk-based capital ratio | 23.6852% | 1,166 |
| Memoranda: | ||
| Average total assets | $106,442,670 | 4,976 |
| Average earning assets | $97,820,670 | 4,956 |
| Average equity | $8,384,000 | 5,888 |
| Average total loans | $56,819,330 | 5,476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7122% | 3,742 |
| Cost of funding earning assets | 2.5342% | 1,786 |
| Net interest margin | 3.1780% | 5,931 |
| Noninterest income to average assets | 0.2730% | 6,247 |
| Noninterest expense to average assets | 2.5546% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3815% | 4,942 |
| Return on assets (ROA) | 0.3815% | 5,123 |
| Pretax return on assets | 0.6358% | 4,636 |
| Return on Equity (ROE) | 4.8897% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.8897% | 3,196 |
| Net charge-offs to loans | -0.1688% | 7,991 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0703% | 2,812 |
| Assets per employee ($millions) | 3.9375% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1190% | 8,148 |
| Loan loss allowance to noncurrent loans | 57.7586% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,299 |
| Noncurrent loans to loans | 0.2060% | 6,943 |
| Net loans and leases to total assets | 52.8957% | 6,591 |
| Net loans and leases to deposits | 82.1405% | 4,259 |
| Net loans and leases to core deposits | 147.8157% | 784 |
| Total domestic deposits to total assets | 64.3966% | 7,827 |
| Equity capital to assets | 7.8984% | 6,958 |
| Core capital (leverage) ratio | 7.8984% | 6,623 |
| Tier 1 risk-based capital ratio | 23.3509% | 1,157 |
| Total risk-based capital ratio | 23.5373% | 1,233 |
| Memoranda: | ||
| Average total assets | $106,945,000 | 4,985 |
| Average earning assets | $98,176,000 | 4,968 |
| Average equity | $8,344,000 | 5,936 |
| Average total loans | $56,882,000 | 5,505 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1385% | 4,842 |
| Cost of funding earning assets | 3.0342% | 1,737 |
| Net interest margin | 3.1043% | 6,642 |
| Noninterest income to average assets | 0.3194% | 6,172 |
| Noninterest expense to average assets | 2.6194% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3396% | 5,395 |
| Return on assets (ROA) | 0.3396% | 5,218 |
| Pretax return on assets | 0.5570% | 4,827 |
| Return on Equity (ROE) | 4.1708% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.1708% | 2,534 |
| Net charge-offs to loans | 0.0036% | 6,953 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 289.5000% | 164 |
| Efficiency ratio | 82.4652% | 2,242 |
| Assets per employee ($millions) | 3.9843% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1444% | 8,194 |
| Loan loss allowance to noncurrent loans | 20.7500% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 6,096 |
| Noncurrent loans to loans | 0.6961% | 5,292 |
| Net loans and leases to total assets | 53.3376% | 6,722 |
| Net loans and leases to deposits | 81.4198% | 4,805 |
| Net loans and leases to core deposits | 140.1813% | 1,258 |
| Total domestic deposits to total assets | 65.5094% | 7,688 |
| Equity capital to assets | 7.7070% | 7,194 |
| Core capital (leverage) ratio | 7.7130% | 6,905 |
| Tier 1 risk-based capital ratio | 25.4286% | 953 |
| Total risk-based capital ratio | 25.6832% | 1,021 |
| Memoranda: | ||
| Average total assets | $103,954,800 | 4,933 |
| Average earning assets | $95,674,800 | 4,935 |
| Average equity | $8,463,600 | 5,916 |
| Average total loans | $56,109,600 | 5,442 |