Home > First FSB of Mascoutah > Performance and Condition Ratios
First FSB of Mascoutah, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 3,227 |
| Cost of funding earning assets | 2.0086% | 906 |
| Net interest margin | 2.4216% | 4,167 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.6802% | 4,157 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5639% | 3,528 |
| Return on assets (ROA) | 0.5612% | 3,524 |
| Pretax return on assets | 0.7079% | 3,421 |
| Return on Equity (ROE) | 6.5000% | 3,420 |
| Retained earnings to average equity (ytd only) | 6.5005% | 2,062 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.2870% | 2,073 |
| Assets per employee ($millions) | 10.4591% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,013 |
| Loan loss allowance to noncurrent loans | 18,166.6667% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,811 |
| Noncurrent loans to loans | 0.0043% | 3,758 |
| Net loans and leases to total assets | 78.2500% | 844 |
| Net loans and leases to deposits | 91.0611% | 1,177 |
| Net loans and leases to core deposits | 101.5577% | 1,352 |
| Total domestic deposits to total assets | 85.9300% | 2,044 |
| Equity capital to assets | 8.9261% | 2,724 |
| Core capital (leverage) ratio | 10.1454% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3407% | 1,202 |
| Memoranda: | ||
| Average total assets | $173,906,200 | 3,171 |
| Average earning assets | $169,023,600 | 3,102 |
| Average equity | $15,014,200 | 3,263 |
| Average total loans | $134,446,800 | 2,819 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 3,201 |
| Cost of funding earning assets | 1.9092% | 847 |
| Net interest margin | 2.4382% | 4,196 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.6823% | 4,152 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5703% | 3,624 |
| Return on assets (ROA) | 0.5667% | 3,614 |
| Pretax return on assets | 0.7170% | 3,516 |
| Return on Equity (ROE) | 6.6200% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.6215% | 2,426 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0175% | 2,014 |
| Assets per employee ($millions) | 9.8346% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 4,049 |
| Loan loss allowance to noncurrent loans | 17,666.6667% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,844 |
| Noncurrent loans to loans | 0.0043% | 3,784 |
| Net loans and leases to total assets | 77.9000% | 900 |
| Net loans and leases to deposits | 91.3599% | 1,109 |
| Net loans and leases to core deposits | 101.7772% | 1,227 |
| Total domestic deposits to total assets | 85.2700% | 2,424 |
| Equity capital to assets | 8.3120% | 2,846 |
| Core capital (leverage) ratio | 10.0195% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3121% | 1,242 |
| Memoranda: | ||
| Average total assets | $172,931,500 | 3,188 |
| Average earning assets | $168,095,500 | 3,121 |
| Average equity | $14,800,000 | 3,281 |
| Average total loans | $133,002,250 | 2,836 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 3,201 |
| Cost of funding earning assets | 1.7496% | 815 |
| Net interest margin | 2.4986% | 4,210 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.6926% | 4,159 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6003% | 3,570 |
| Return on assets (ROA) | 0.6003% | 3,578 |
| Pretax return on assets | 0.7670% | 3,472 |
| Return on Equity (ROE) | 6.9500% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.9460% | 2,299 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.9124% | 2,115 |
| Assets per employee ($millions) | 9.7648% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 4,088 |
| Loan loss allowance to noncurrent loans | 14,714.2857% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,843 |
| Noncurrent loans to loans | 0.0052% | 3,771 |
| Net loans and leases to total assets | 76.7000% | 978 |
| Net loans and leases to deposits | 88.9494% | 1,263 |
| Net loans and leases to core deposits | 98.7778% | 1,304 |
| Total domestic deposits to total assets | 86.2300% | 2,162 |
| Equity capital to assets | 8.5784% | 2,801 |
| Core capital (leverage) ratio | 10.0447% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2937% | 1,266 |
| Memoranda: | ||
| Average total assets | $171,568,000 | 3,204 |
| Average earning assets | $166,895,000 | 3,138 |
| Average equity | $14,828,667 | 3,288 |
| Average total loans | $131,014,667 | 2,854 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 3,135 |
| Cost of funding earning assets | 1.5741% | 733 |
| Net interest margin | 2.5782% | 4,232 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.7608% | 4,098 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.5995% | 3,691 |
| Return on assets (ROA) | 0.5995% | 3,658 |
| Pretax return on assets | 0.7742% | 3,526 |
| Return on Equity (ROE) | 6.9100% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.9097% | 2,517 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.5725% | 2,026 |
| Assets per employee ($millions) | 9.5182% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,127 |
| Loan loss allowance to noncurrent loans | 12,625.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,859 |
| Noncurrent loans to loans | 0.0062% | 3,796 |
| Net loans and leases to total assets | 75.2500% | 1,053 |
| Net loans and leases to deposits | 85.4317% | 1,392 |
| Net loans and leases to core deposits | 94.4058% | 1,368 |
| Total domestic deposits to total assets | 88.0900% | 1,898 |
| Equity capital to assets | 8.7312% | 2,713 |
| Core capital (leverage) ratio | 10.1607% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7500% | 1,199 |
| Memoranda: | ||
| Average total assets | $169,468,500 | 3,265 |
| Average earning assets | $164,921,500 | 3,193 |
| Average equity | $14,704,000 | 3,332 |
| Average total loans | $128,602,000 | 2,904 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 2,513 |
| Cost of funding earning assets | 0.7967% | 389 |
| Net interest margin | 2.9071% | 3,657 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.7659% | 4,072 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8211% | 3,251 |
| Return on assets (ROA) | 0.8211% | 3,184 |
| Pretax return on assets | 1.0933% | 2,794 |
| Return on Equity (ROE) | 8.8400% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.8404% | 1,526 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2829% | 3,019 |
| Assets per employee ($millions) | 8.8215% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 4,093 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.3400% | 1,082 |
| Net loans and leases to deposits | 87.5445% | 1,207 |
| Net loans and leases to core deposits | 95.2526% | 1,242 |
| Total domestic deposits to total assets | 86.0600% | 2,705 |
| Equity capital to assets | 8.6207% | 2,616 |
| Core capital (leverage) ratio | 10.5669% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9818% | 1,129 |
| Memoranda: | ||
| Average total assets | $156,859,600 | 3,373 |
| Average earning assets | $152,626,200 | 3,302 |
| Average equity | $14,569,400 | 3,408 |
| Average total loans | $117,334,200 | 2,949 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 2,224 |
| Cost of funding earning assets | 0.6507% | 336 |
| Net interest margin | 2.9886% | 3,246 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.7953% | 3,995 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8562% | 3,041 |
| Return on assets (ROA) | 0.8562% | 3,020 |
| Pretax return on assets | 1.1433% | 2,582 |
| Return on Equity (ROE) | 9.0400% | 3,018 |
| Retained earnings to average equity (ytd only) | 9.0412% | 1,635 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.6895% | 3,152 |
| Assets per employee ($millions) | 8.3654% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 4,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 75.4200% | 972 |
| Net loans and leases to deposits | 87.2696% | 1,082 |
| Net loans and leases to core deposits | 94.1571% | 1,084 |
| Total domestic deposits to total assets | 86.4200% | 2,955 |
| Equity capital to assets | 8.6189% | 2,468 |
| Core capital (leverage) ratio | 10.5832% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6253% | 1,060 |
| Memoranda: | ||
| Average total assets | $154,172,250 | 3,426 |
| Average earning assets | $149,990,000 | 3,349 |
| Average equity | $14,599,500 | 3,455 |
| Average total loans | $114,852,000 | 2,984 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 1,973 |
| Cost of funding earning assets | 0.6018% | 268 |
| Net interest margin | 2.9540% | 3,024 |
| Noninterest income to average assets | 0.0983% | 4,489 |
| Noninterest expense to average assets | 1.7944% | 3,968 |
| Loan and lease loss provision to assets | 0.0655% | 1,433 |
| Net operating income to assets | 0.8323% | 2,844 |
| Return on assets (ROA) | 0.8323% | 2,821 |
| Pretax return on assets | 1.1142% | 2,354 |
| Return on Equity (ROE) | 8.5237% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.5237% | 1,427 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3349% | 3,255 |
| Assets per employee ($millions) | 8.2202% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 4,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 73.3654% | 966 |
| Net loans and leases to deposits | 83.9974% | 1,118 |
| Net loans and leases to core deposits | 90.1548% | 1,112 |
| Total domestic deposits to total assets | 87.3425% | 2,813 |
| Equity capital to assets | 9.1924% | 2,238 |
| Core capital (leverage) ratio | 10.4301% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9138% | 1,004 |
| Memoranda: | ||
| Average total assets | $152,582,333 | 3,474 |
| Average earning assets | $148,544,000 | 3,409 |
| Average equity | $14,899,667 | 3,504 |
| Average total loans | $112,860,333 | 3,033 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4767% | 1,882 |
| Cost of funding earning assets | 0.5758% | 302 |
| Net interest margin | 2.9009% | 2,833 |
| Noninterest income to average assets | 0.0928% | 4,534 |
| Noninterest expense to average assets | 1.7774% | 3,998 |
| Loan and lease loss provision to assets | 0.0796% | 1,033 |
| Net operating income to assets | 0.7959% | 2,671 |
| Return on assets (ROA) | 0.7959% | 2,664 |
| Pretax return on assets | 1.0691% | 2,235 |
| Return on Equity (ROE) | 7.9098% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.9098% | 1,609 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7434% | 3,405 |
| Assets per employee ($millions) | 8.0408% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.2541% | 722 |
| Net loans and leases to deposits | 84.7737% | 827 |
| Net loans and leases to core deposits | 90.9101% | 883 |
| Total domestic deposits to total assets | 86.4114% | 3,134 |
| Equity capital to assets | 9.6096% | 2,202 |
| Core capital (leverage) ratio | 10.5857% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9589% | 1,052 |
| Memoranda: | ||
| Average total assets | $150,781,500 | 3,508 |
| Average earning assets | $147,267,000 | 3,436 |
| Average equity | $15,171,000 | 3,551 |
| Average total loans | $111,538,000 | 3,040 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 2,473 |
| Cost of funding earning assets | 0.7379% | 271 |
| Net interest margin | 2.8298% | 3,602 |
| Noninterest income to average assets | 0.0973% | 4,619 |
| Noninterest expense to average assets | 1.7997% | 4,146 |
| Loan and lease loss provision to assets | 0.1725% | 671 |
| Net operating income to assets | 0.6589% | 3,722 |
| Return on assets (ROA) | 0.6936% | 3,698 |
| Pretax return on assets | 0.9407% | 3,394 |
| Return on Equity (ROE) | 6.3723% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.3723% | 2,191 |
| Net charge-offs to loans | 0.0040% | 2,464 |
| Credit loss provision to net charge-offs | 6,075.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 376.5000% | 344 |
| Efficiency ratio | 62.7320% | 2,761 |
| Assets per employee ($millions) | 7.8309% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 4,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.5221% | 706 |
| Net loans and leases to deposits | 85.8913% | 785 |
| Net loans and leases to core deposits | 92.3420% | 859 |
| Total domestic deposits to total assets | 85.5990% | 3,053 |
| Equity capital to assets | 10.5257% | 2,155 |
| Core capital (leverage) ratio | 10.5294% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2009% | 1,006 |
| Memoranda: | ||
| Average total assets | $140,853,800 | 3,575 |
| Average earning assets | $137,961,200 | 3,500 |
| Average equity | $15,332,000 | 3,602 |
| Average total loans | $100,562,600 | 3,189 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 2,723 |
| Cost of funding earning assets | 0.7624% | 293 |
| Net interest margin | 2.7760% | 3,832 |
| Noninterest income to average assets | 0.1008% | 4,663 |
| Noninterest expense to average assets | 1.8069% | 4,153 |
| Loan and lease loss provision to assets | 0.1937% | 539 |
| Net operating income to assets | 0.6010% | 4,006 |
| Return on assets (ROA) | 0.6481% | 3,957 |
| Pretax return on assets | 0.8795% | 3,740 |
| Return on Equity (ROE) | 5.9016% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.9016% | 2,869 |
| Net charge-offs to loans | 0.0054% | 2,131 |
| Credit loss provision to net charge-offs | 5,050.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 464 |
| Efficiency ratio | 64.0572% | 2,379 |
| Assets per employee ($millions) | 7.7542% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 4,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.7487% | 801 |
| Net loans and leases to deposits | 85.5346% | 856 |
| Net loans and leases to core deposits | 92.9777% | 871 |
| Total domestic deposits to total assets | 85.0518% | 3,098 |
| Equity capital to assets | 10.5437% | 2,424 |
| Core capital (leverage) ratio | 10.6403% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9006% | 1,149 |
| Memoranda: | ||
| Average total assets | $138,870,250 | 3,636 |
| Average earning assets | $136,066,750 | 3,556 |
| Average equity | $15,249,750 | 3,655 |
| Average total loans | $98,137,750 | 3,268 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 2,975 |
| Cost of funding earning assets | 0.7843% | 306 |
| Net interest margin | 2.6860% | 4,007 |
| Noninterest income to average assets | 0.1014% | 4,683 |
| Noninterest expense to average assets | 1.8552% | 4,065 |
| Loan and lease loss provision to assets | 0.2102% | 519 |
| Net operating income to assets | 0.5372% | 4,145 |
| Return on assets (ROA) | 0.6101% | 4,018 |
| Pretax return on assets | 0.7600% | 3,946 |
| Return on Equity (ROE) | 5.4767% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.4767% | 3,006 |
| Net charge-offs to loans | 0.0084% | 1,825 |
| Credit loss provision to net charge-offs | 3,575.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 149.5000% | 590 |
| Efficiency ratio | 67.8495% | 1,896 |
| Assets per employee ($millions) | 7.9730% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 4,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.5045% | 1,026 |
| Net loans and leases to deposits | 83.4627% | 1,098 |
| Net loans and leases to core deposits | 90.6761% | 1,093 |
| Total domestic deposits to total assets | 85.6725% | 2,848 |
| Equity capital to assets | 10.6289% | 2,284 |
| Core capital (leverage) ratio | 10.7296% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6700% | 1,008 |
| Memoranda: | ||
| Average total assets | $136,050,667 | 3,675 |
| Average earning assets | $133,359,667 | 3,594 |
| Average equity | $15,155,000 | 3,663 |
| Average total loans | $94,847,333 | 3,324 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3542% | 3,329 |
| Cost of funding earning assets | 0.8177% | 322 |
| Net interest margin | 2.5365% | 4,252 |
| Noninterest income to average assets | 0.0998% | 4,688 |
| Noninterest expense to average assets | 1.9075% | 3,970 |
| Loan and lease loss provision to assets | 0.1119% | 1,239 |
| Net operating income to assets | 0.4534% | 4,264 |
| Return on assets (ROA) | 0.4534% | 4,300 |
| Pretax return on assets | 0.5653% | 4,251 |
| Return on Equity (ROE) | 3.9721% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.9721% | 3,511 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8012% | 1,332 |
| Assets per employee ($millions) | 7.5810% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,558 |
| Loan loss allowance to noncurrent loans | 22,266.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,393 |
| Noncurrent loans to loans | 0.0032% | 4,314 |
| Net loans and leases to total assets | 68.4474% | 1,469 |
| Net loans and leases to deposits | 79.8369% | 1,532 |
| Net loans and leases to core deposits | 87.5091% | 1,411 |
| Total domestic deposits to total assets | 85.7341% | 2,842 |
| Equity capital to assets | 11.0921% | 1,792 |
| Core capital (leverage) ratio | 11.2113% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9624% | 797 |
| Memoranda: | ||
| Average total assets | $132,319,000 | 3,712 |
| Average earning assets | $129,627,500 | 3,636 |
| Average equity | $15,105,500 | 3,673 |
| Average total loans | $90,576,500 | 3,404 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 3,786 |
| Cost of funding earning assets | 1.0311% | 529 |
| Net interest margin | 2.5791% | 4,523 |
| Noninterest income to average assets | 0.1038% | 4,731 |
| Noninterest expense to average assets | 1.9190% | 4,289 |
| Loan and lease loss provision to assets | 0.0733% | 3,467 |
| Net operating income to assets | 0.5207% | 3,983 |
| Return on assets (ROA) | 0.5321% | 4,048 |
| Pretax return on assets | 0.6531% | 3,976 |
| Return on Equity (ROE) | 4.4382% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.4382% | 2,573 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9264% | 1,581 |
| Assets per employee ($millions) | 7.1211% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 4,550 |
| Loan loss allowance to noncurrent loans | 15,775.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,454 |
| Noncurrent loans to loans | 0.0046% | 4,383 |
| Net loans and leases to total assets | 67.4458% | 1,892 |
| Net loans and leases to deposits | 79.4260% | 1,933 |
| Net loans and leases to core deposits | 86.7504% | 1,808 |
| Total domestic deposits to total assets | 84.9165% | 2,799 |
| Equity capital to assets | 11.7608% | 1,697 |
| Core capital (leverage) ratio | 11.5472% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5080% | 627 |
| Memoranda: | ||
| Average total assets | $121,415,600 | 3,730 |
| Average earning assets | $118,996,400 | 3,630 |
| Average equity | $14,555,600 | 3,689 |
| Average total loans | $78,321,200 | 3,588 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 4,025 |
| Cost of funding earning assets | 1.0737% | 588 |
| Net interest margin | 2.5188% | 4,644 |
| Noninterest income to average assets | 0.1036% | 4,749 |
| Noninterest expense to average assets | 1.8865% | 4,349 |
| Loan and lease loss provision to assets | 0.0677% | 3,485 |
| Net operating income to assets | 0.5036% | 4,018 |
| Return on assets (ROA) | 0.5190% | 4,081 |
| Pretax return on assets | 0.6370% | 4,033 |
| Return on Equity (ROE) | 4.3070% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.3070% | 2,895 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 1,477 |
| Assets per employee ($millions) | 8.3311% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 4,498 |
| Loan loss allowance to noncurrent loans | 15,075.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,520 |
| Noncurrent loans to loans | 0.0049% | 4,440 |
| Net loans and leases to total assets | 64.5175% | 2,703 |
| Net loans and leases to deposits | 76.2859% | 2,724 |
| Net loans and leases to core deposits | 83.3152% | 2,544 |
| Total domestic deposits to total assets | 84.5734% | 2,602 |
| Equity capital to assets | 11.9024% | 1,736 |
| Core capital (leverage) ratio | 11.5640% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2069% | 567 |
| Memoranda: | ||
| Average total assets | $119,724,500 | 3,741 |
| Average earning assets | $117,353,000 | 3,643 |
| Average equity | $14,425,750 | 3,705 |
| Average total loans | $76,130,750 | 3,638 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 4,247 |
| Cost of funding earning assets | 1.1233% | 663 |
| Net interest margin | 2.4873% | 4,743 |
| Noninterest income to average assets | 0.1034% | 4,767 |
| Noninterest expense to average assets | 1.9275% | 4,369 |
| Loan and lease loss provision to assets | 0.0509% | 3,669 |
| Net operating income to assets | 0.4563% | 4,120 |
| Return on assets (ROA) | 0.4577% | 4,182 |
| Pretax return on assets | 0.5628% | 4,130 |
| Return on Equity (ROE) | 3.7825% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.7825% | 3,019 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9012% | 1,274 |
| Assets per employee ($millions) | 7.3496% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 4,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 62.8666% | 3,025 |
| Net loans and leases to deposits | 74.6271% | 3,018 |
| Net loans and leases to core deposits | 81.3093% | 2,835 |
| Total domestic deposits to total assets | 84.2409% | 2,667 |
| Equity capital to assets | 11.7389% | 1,811 |
| Core capital (leverage) ratio | 11.7508% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4359% | 546 |
| Memoranda: | ||
| Average total assets | $117,977,333 | 3,750 |
| Average earning assets | $115,548,000 | 3,657 |
| Average equity | $14,276,333 | 3,728 |
| Average total loans | $74,431,667 | 3,673 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,327 |
| Cost of funding earning assets | 1.2006% | 771 |
| Net interest margin | 2.5333% | 4,806 |
| Noninterest income to average assets | 0.1048% | 4,806 |
| Noninterest expense to average assets | 2.0577% | 4,296 |
| Loan and lease loss provision to assets | 0.0524% | 3,122 |
| Net operating income to assets | 0.3780% | 4,179 |
| Return on assets (ROA) | 0.3808% | 4,212 |
| Pretax return on assets | 0.4751% | 4,158 |
| Return on Equity (ROE) | 3.0964% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.0964% | 3,040 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7023% | 1,169 |
| Assets per employee ($millions) | 6.8084% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.3521% | 3,140 |
| Net loans and leases to deposits | 72.4398% | 3,403 |
| Net loans and leases to core deposits | 78.9698% | 3,289 |
| Total domestic deposits to total assets | 87.4549% | 1,355 |
| Equity capital to assets | 12.3654% | 1,822 |
| Core capital (leverage) ratio | 12.5459% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5285% | 528 |
| Memoranda: | ||
| Average total assets | $114,494,000 | 3,784 |
| Average earning assets | $111,948,000 | 3,684 |
| Average equity | $14,081,000 | 3,764 |
| Average total loans | $72,087,500 | 3,724 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 4,693 |
| Cost of funding earning assets | 1.2155% | 993 |
| Net interest margin | 2.4679% | 4,981 |
| Noninterest income to average assets | 0.1220% | 4,852 |
| Noninterest expense to average assets | 1.9765% | 4,571 |
| Loan and lease loss provision to assets | 0.0555% | 2,919 |
| Net operating income to assets | 0.4095% | 4,576 |
| Return on assets (ROA) | 0.4095% | 4,610 |
| Pretax return on assets | 0.5020% | 4,575 |
| Return on Equity (ROE) | 3.2991% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.2991% | 3,357 |
| Net charge-offs to loans | 0.0487% | 2,423 |
| Credit loss provision to net charge-offs | 181.8182% | 1,445 |
| Earnings coverage of net charge-offs (x) | 18.2727% | 2,066 |
| Efficiency ratio | 78.0007% | 1,152 |
| Assets per employee ($millions) | 6.6615% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,388 |
| Loan loss allowance to noncurrent loans | 1,642.4242% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,500 |
| Noncurrent loans to loans | 0.0469% | 4,368 |
| Net loans and leases to total assets | 61.5925% | 3,442 |
| Net loans and leases to deposits | 70.3093% | 3,642 |
| Net loans and leases to core deposits | 75.6149% | 3,605 |
| Total domestic deposits to total assets | 87.6022% | 1,315 |
| Equity capital to assets | 12.2300% | 1,993 |
| Core capital (leverage) ratio | 12.6809% | 1,385 |
| Tier 1 risk-based capital ratio | 23.5066% | 864 |
| Total risk-based capital ratio | 24.4138% | 882 |
| Memoranda: | ||
| Average total assets | $108,173,600 | 3,860 |
| Average earning assets | $105,715,400 | 3,785 |
| Average equity | $13,427,800 | 3,836 |
| Average total loans | $67,754,400 | 3,818 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 4,806 |
| Cost of funding earning assets | 1.1982% | 1,044 |
| Net interest margin | 2.4769% | 5,073 |
| Noninterest income to average assets | 0.1210% | 4,916 |
| Noninterest expense to average assets | 1.9581% | 4,630 |
| Loan and lease loss provision to assets | 0.0561% | 2,787 |
| Net operating income to assets | 0.4290% | 4,666 |
| Return on assets (ROA) | 0.4290% | 4,698 |
| Pretax return on assets | 0.5276% | 4,657 |
| Return on Equity (ROE) | 3.4428% | 4,692 |
| Retained earnings to average equity (ytd only) | 3.4428% | 3,692 |
| Net charge-offs to loans | 0.0656% | 1,886 |
| Credit loss provision to net charge-offs | 136.3636% | 1,757 |
| Earnings coverage of net charge-offs (x) | 14.1814% | 2,254 |
| Efficiency ratio | 77.0363% | 1,213 |
| Assets per employee ($millions) | 6.8100% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.5954% | 3,432 |
| Net loans and leases to deposits | 71.8156% | 3,624 |
| Net loans and leases to core deposits | 77.0319% | 3,627 |
| Total domestic deposits to total assets | 87.1613% | 1,444 |
| Equity capital to assets | 12.6367% | 1,821 |
| Core capital (leverage) ratio | 12.8983% | 1,382 |
| Tier 1 risk-based capital ratio | 24.0522% | 836 |
| Total risk-based capital ratio | 24.9612% | 856 |
| Memoranda: | ||
| Average total assets | $106,905,500 | 3,916 |
| Average earning assets | $104,483,250 | 3,838 |
| Average equity | $13,322,250 | 3,882 |
| Average total loans | $67,119,750 | 3,872 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6456% | 4,888 |
| Cost of funding earning assets | 1.1619% | 1,097 |
| Net interest margin | 2.4837% | 5,135 |
| Noninterest income to average assets | 0.1205% | 4,961 |
| Noninterest expense to average assets | 1.9770% | 4,642 |
| Loan and lease loss provision to assets | 0.0565% | 2,693 |
| Net operating income to assets | 0.4180% | 4,704 |
| Return on assets (ROA) | 0.4180% | 4,727 |
| Pretax return on assets | 0.5140% | 4,681 |
| Return on Equity (ROE) | 3.3704% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.3704% | 3,549 |
| Net charge-offs to loans | 0.0991% | 1,380 |
| Credit loss provision to net charge-offs | 90.9091% | 2,122 |
| Earnings coverage of net charge-offs (x) | 9.1818% | 2,351 |
| Efficiency ratio | 77.6053% | 1,204 |
| Assets per employee ($millions) | 6.6526% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 4,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 63.1771% | 3,432 |
| Net loans and leases to deposits | 73.1391% | 3,586 |
| Net loans and leases to core deposits | 78.4084% | 3,549 |
| Total domestic deposits to total assets | 86.3794% | 1,859 |
| Equity capital to assets | 12.7337% | 1,730 |
| Core capital (leverage) ratio | 13.0524% | 1,273 |
| Tier 1 risk-based capital ratio | 24.4547% | 808 |
| Total risk-based capital ratio | 25.3605% | 821 |
| Memoranda: | ||
| Average total assets | $106,220,670 | 3,952 |
| Average earning assets | $103,797,670 | 3,874 |
| Average equity | $13,173,330 | 3,910 |
| Average total loans | $66,582,670 | 3,915 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 4,971 |
| Cost of funding earning assets | 1.1347% | 1,077 |
| Net interest margin | 2.4586% | 5,204 |
| Noninterest income to average assets | 0.1244% | 4,986 |
| Noninterest expense to average assets | 1.9791% | 4,682 |
| Loan and lease loss provision to assets | 0.0565% | 2,539 |
| Net operating income to assets | 0.3958% | 4,743 |
| Return on assets (ROA) | 0.3958% | 4,756 |
| Pretax return on assets | 0.4901% | 4,712 |
| Return on Equity (ROE) | 3.2350% | 4,733 |
| Retained earnings to average equity (ytd only) | 3.2350% | 3,631 |
| Net charge-offs to loans | 0.1576% | 851 |
| Credit loss provision to net charge-offs | 57.6923% | 1,922 |
| Earnings coverage of net charge-offs (x) | 5.5769% | 2,253 |
| Efficiency ratio | 78.3582% | 1,228 |
| Assets per employee ($millions) | 6.6495% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 4,640 |
| Loan loss allowance to noncurrent loans | 168.0000% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 3,474 |
| Noncurrent loans to loans | 0.4517% | 2,964 |
| Net loans and leases to total assets | 61.9567% | 3,507 |
| Net loans and leases to deposits | 70.9212% | 3,695 |
| Net loans and leases to core deposits | 75.9491% | 3,664 |
| Total domestic deposits to total assets | 87.3600% | 1,634 |
| Equity capital to assets | 12.4210% | 1,782 |
| Core capital (leverage) ratio | 12.9926% | 1,276 |
| Tier 1 risk-based capital ratio | 24.3511% | 815 |
| Total risk-based capital ratio | 25.2465% | 822 |
| Memoranda: | ||
| Average total assets | $106,110,000 | 4,001 |
| Average earning assets | $103,637,500 | 3,916 |
| Average equity | $12,983,000 | 3,949 |
| Average total loans | $65,994,500 | 3,965 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 4,936 |
| Cost of funding earning assets | 0.8851% | 1,152 |
| Net interest margin | 2.5966% | 5,155 |
| Noninterest income to average assets | 0.1151% | 5,095 |
| Noninterest expense to average assets | 1.9772% | 4,787 |
| Loan and lease loss provision to assets | 0.0932% | 2,287 |
| Net operating income to assets | 0.4567% | 4,754 |
| Return on assets (ROA) | 0.4567% | 4,754 |
| Pretax return on assets | 0.5738% | 4,678 |
| Return on Equity (ROE) | 3.8633% | 4,744 |
| Retained earnings to average equity (ytd only) | 3.8633% | 3,457 |
| Net charge-offs to loans | 0.0386% | 2,624 |
| Credit loss provision to net charge-offs | 408.3333% | 814 |
| Earnings coverage of net charge-offs (x) | 29.2083% | 1,628 |
| Efficiency ratio | 74.7751% | 1,527 |
| Assets per employee ($millions) | 6.6143% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 4,583 |
| Loan loss allowance to noncurrent loans | 160.4361% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 3,361 |
| Noncurrent loans to loans | 0.4896% | 2,806 |
| Net loans and leases to total assets | 61.4705% | 3,617 |
| Net loans and leases to deposits | 72.0426% | 3,667 |
| Net loans and leases to core deposits | 77.2876% | 3,624 |
| Total domestic deposits to total assets | 85.3252% | 2,502 |
| Equity capital to assets | 12.0488% | 1,865 |
| Core capital (leverage) ratio | 12.9820% | 1,261 |
| Tier 1 risk-based capital ratio | 24.0211% | 826 |
| Total risk-based capital ratio | 24.9307% | 831 |
| Memoranda: | ||
| Average total assets | $105,097,200 | 4,015 |
| Average earning assets | $102,364,600 | 3,944 |
| Average equity | $12,424,600 | 3,974 |
| Average total loans | $62,143,000 | 4,041 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4419% | 4,989 |
| Cost of funding earning assets | 0.8174% | 1,250 |
| Net interest margin | 2.6245% | 5,209 |
| Noninterest income to average assets | 0.1068% | 5,190 |
| Noninterest expense to average assets | 1.9685% | 4,796 |
| Loan and lease loss provision to assets | 0.0991% | 2,012 |
| Net operating income to assets | 0.4766% | 4,809 |
| Return on assets (ROA) | 0.4766% | 4,810 |
| Pretax return on assets | 0.5935% | 4,744 |
| Return on Equity (ROE) | 4.0508% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.0508% | 3,744 |
| Net charge-offs to loans | 0.0522% | 2,078 |
| Credit loss provision to net charge-offs | 325.0000% | 966 |
| Earnings coverage of net charge-offs (x) | 22.7078% | 1,864 |
| Efficiency ratio | 73.9733% | 1,600 |
| Assets per employee ($millions) | 6.4750% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,659 |
| Loan loss allowance to noncurrent loans | 118.9904% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 2,919 |
| Noncurrent loans to loans | 0.6635% | 2,420 |
| Net loans and leases to total assets | 60.0444% | 3,837 |
| Net loans and leases to deposits | 69.4814% | 3,961 |
| Net loans and leases to core deposits | 75.7400% | 3,822 |
| Total domestic deposits to total assets | 86.4180% | 2,006 |
| Equity capital to assets | 11.8736% | 1,986 |
| Core capital (leverage) ratio | 12.9582% | 1,301 |
| Tier 1 risk-based capital ratio | 24.7329% | 779 |
| Total risk-based capital ratio | 25.6400% | 786 |
| Memoranda: | ||
| Average total assets | $104,914,500 | 4,053 |
| Average earning assets | $102,111,500 | 3,985 |
| Average equity | $12,343,000 | 4,015 |
| Average total loans | $61,286,750 | 4,101 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 5,049 |
| Cost of funding earning assets | 0.7727% | 1,269 |
| Net interest margin | 2.6206% | 5,262 |
| Noninterest income to average assets | 0.1215% | 5,187 |
| Noninterest expense to average assets | 1.9667% | 4,853 |
| Loan and lease loss provision to assets | 0.1139% | 1,743 |
| Net operating income to assets | 0.4784% | 4,798 |
| Return on assets (ROA) | 0.4784% | 4,803 |
| Pretax return on assets | 0.5904% | 4,752 |
| Return on Equity (ROE) | 4.0787% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.0787% | 3,572 |
| Net charge-offs to loans | 0.0625% | 1,722 |
| Credit loss provision to net charge-offs | 315.7895% | 973 |
| Earnings coverage of net charge-offs (x) | 19.5263% | 1,848 |
| Efficiency ratio | 73.6318% | 1,767 |
| Assets per employee ($millions) | 6.5736% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 4,748 |
| Loan loss allowance to noncurrent loans | 1,175.6098% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 4,538 |
| Noncurrent loans to loans | 0.0665% | 4,626 |
| Net loans and leases to total assets | 58.1230% | 3,981 |
| Net loans and leases to deposits | 68.1007% | 4,010 |
| Net loans and leases to core deposits | 74.4468% | 3,851 |
| Total domestic deposits to total assets | 85.3485% | 2,546 |
| Equity capital to assets | 11.7298% | 2,034 |
| Core capital (leverage) ratio | 12.7322% | 1,335 |
| Tier 1 risk-based capital ratio | 24.7648% | 757 |
| Total risk-based capital ratio | 25.6574% | 776 |
| Memoranda: | ||
| Average total assets | $105,352,670 | 4,087 |
| Average earning assets | $102,493,670 | 4,010 |
| Average equity | $12,357,000 | 4,030 |
| Average total loans | $60,815,330 | 4,145 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 5,094 |
| Cost of funding earning assets | 0.7578% | 1,148 |
| Net interest margin | 2.5742% | 5,338 |
| Noninterest income to average assets | 0.1138% | 5,277 |
| Noninterest expense to average assets | 1.9423% | 4,953 |
| Loan and lease loss provision to assets | 0.1138% | 1,659 |
| Net operating income to assets | 0.4552% | 4,800 |
| Return on assets (ROA) | 0.4552% | 4,804 |
| Pretax return on assets | 0.5577% | 4,775 |
| Return on Equity (ROE) | 3.8813% | 4,792 |
| Retained earnings to average equity (ytd only) | 3.8813% | 3,641 |
| Net charge-offs to loans | 0.1788% | 818 |
| Credit loss provision to net charge-offs | 111.1111% | 1,444 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,153 |
| Efficiency ratio | 74.3106% | 1,855 |
| Assets per employee ($millions) | 6.5902% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 4,958 |
| Loan loss allowance to noncurrent loans | 1,082.9268% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 3,035 |
| Noncurrent loans to loans | 0.0676% | 4,675 |
| Net loans and leases to total assets | 57.0858% | 4,025 |
| Net loans and leases to deposits | 64.7390% | 4,170 |
| Net loans and leases to core deposits | 71.7113% | 3,985 |
| Total domestic deposits to total assets | 88.1784% | 1,520 |
| Equity capital to assets | 11.6091% | 2,054 |
| Core capital (leverage) ratio | 12.6405% | 1,323 |
| Tier 1 risk-based capital ratio | 24.5249% | 790 |
| Total risk-based capital ratio | 25.3473% | 809 |
| Memoranda: | ||
| Average total assets | $105,440,500 | 4,133 |
| Average earning assets | $102,402,000 | 4,051 |
| Average equity | $12,367,000 | 4,065 |
| Average total loans | $60,416,000 | 4,188 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2112% | 5,174 |
| Cost of funding earning assets | 0.6893% | 1,080 |
| Net interest margin | 2.5219% | 5,395 |
| Noninterest income to average assets | 0.0872% | 5,440 |
| Noninterest expense to average assets | 2.5169% | 3,724 |
| Loan and lease loss provision to assets | 0.1203% | 1,906 |
| Net operating income to assets | -0.1404% | 5,431 |
| Return on assets (ROA) | -0.1314% | 5,431 |
| Pretax return on assets | -0.1233% | 5,474 |
| Return on Equity (ROE) | -1.0379% | 5,432 |
| Retained earnings to average equity (ytd only) | -1.0379% | 5,192 |
| Net charge-offs to loans | -0.0264% | 5,027 |
| Credit loss provision to net charge-offs | -857.1429% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4804% | 168 |
| Assets per employee ($millions) | 6.5899% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7326% | 4,996 |
| Loan loss allowance to noncurrent loans | 87.8486% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,973 |
| Noncurrent loans to loans | 0.8340% | 2,138 |
| Net loans and leases to total assets | 56.6722% | 4,132 |
| Net loans and leases to deposits | 65.9107% | 4,196 |
| Net loans and leases to core deposits | 73.1992% | 3,954 |
| Total domestic deposits to total assets | 85.9832% | 2,442 |
| Equity capital to assets | 11.8487% | 1,942 |
| Core capital (leverage) ratio | 12.7477% | 1,242 |
| Tier 1 risk-based capital ratio | 25.5546% | 690 |
| Total risk-based capital ratio | 26.4135% | 700 |
| Memoranda: | ||
| Average total assets | $99,726,400 | 4,240 |
| Average earning assets | $95,603,400 | 4,168 |
| Average equity | $12,621,600 | 4,038 |
| Average total loans | $53,000,600 | 4,386 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1823% | 5,252 |
| Cost of funding earning assets | 0.6694% | 1,126 |
| Net interest margin | 2.5129% | 5,462 |
| Noninterest income to average assets | 0.0461% | 5,619 |
| Noninterest expense to average assets | 2.6802% | 3,129 |
| Loan and lease loss provision to assets | 0.1221% | 1,774 |
| Net operating income to assets | -0.2401% | 5,589 |
| Return on assets (ROA) | -0.2319% | 5,589 |
| Pretax return on assets | -0.3459% | 5,601 |
| Return on Equity (ROE) | -1.8018% | 5,581 |
| Retained earnings to average equity (ytd only) | -1.8018% | 5,415 |
| Net charge-offs to loans | -0.0260% | 4,944 |
| Credit loss provision to net charge-offs | -900.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6559% | 101 |
| Assets per employee ($millions) | 5.8871% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 5,065 |
| Loan loss allowance to noncurrent loans | 63.1988% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 2,569 |
| Noncurrent loans to loans | 1.1596% | 1,654 |
| Net loans and leases to total assets | 55.0864% | 4,313 |
| Net loans and leases to deposits | 63.2555% | 4,432 |
| Net loans and leases to core deposits | 70.5478% | 4,212 |
| Total domestic deposits to total assets | 87.0855% | 1,835 |
| Equity capital to assets | 12.7357% | 1,524 |
| Core capital (leverage) ratio | 13.1879% | 1,131 |
| Tier 1 risk-based capital ratio | 26.5377% | 642 |
| Total risk-based capital ratio | 27.3633% | 654 |
| Memoranda: | ||
| Average total assets | $98,298,500 | 4,310 |
| Average earning assets | $93,807,250 | 4,242 |
| Average equity | $12,653,750 | 4,076 |
| Average total loans | $51,202,000 | 4,467 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1809% | 5,263 |
| Cost of funding earning assets | 0.6499% | 1,143 |
| Net interest margin | 2.5310% | 5,486 |
| Noninterest income to average assets | 0.0061% | 5,724 |
| Noninterest expense to average assets | 2.9313% | 2,320 |
| Loan and lease loss provision to assets | 0.1228% | 1,687 |
| Net operating income to assets | -0.5988% | 5,695 |
| Return on assets (ROA) | -0.5813% | 5,688 |
| Pretax return on assets | -0.6141% | 5,690 |
| Return on Equity (ROE) | -4.4997% | 5,679 |
| Retained earnings to average equity (ytd only) | -4.4997% | 5,516 |
| Net charge-offs to loans | -0.0322% | 4,991 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.0482% | 62 |
| Assets per employee ($millions) | 5.8171% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 5,204 |
| Loan loss allowance to noncurrent loans | 65.5594% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 2,381 |
| Noncurrent loans to loans | 1.0716% | 1,828 |
| Net loans and leases to total assets | 53.5979% | 4,430 |
| Net loans and leases to deposits | 62.3213% | 4,485 |
| Net loans and leases to core deposits | 69.2343% | 4,276 |
| Total domestic deposits to total assets | 86.0026% | 2,376 |
| Equity capital to assets | 12.7697% | 1,485 |
| Core capital (leverage) ratio | 13.2580% | 1,072 |
| Tier 1 risk-based capital ratio | 26.9884% | 606 |
| Total risk-based capital ratio | 27.7688% | 621 |
| Memoranda: | ||
| Average total assets | $97,704,330 | 4,348 |
| Average earning assets | $93,243,000 | 4,285 |
| Average equity | $12,623,000 | 4,094 |
| Average total loans | $49,756,670 | 4,537 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 5,244 |
| Cost of funding earning assets | 0.6443% | 1,102 |
| Net interest margin | 2.5599% | 5,496 |
| Noninterest income to average assets | 0.1977% | 5,085 |
| Noninterest expense to average assets | 2.2242% | 4,582 |
| Loan and lease loss provision to assets | 0.1236% | 1,555 |
| Net operating income to assets | 0.0989% | 5,515 |
| Return on assets (ROA) | 0.0989% | 5,521 |
| Pretax return on assets | 0.2883% | 5,328 |
| Return on Equity (ROE) | 0.7607% | 5,530 |
| Retained earnings to average equity (ytd only) | 0.7607% | 4,728 |
| Net charge-offs to loans | -0.0417% | 5,097 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3750% | 938 |
| Assets per employee ($millions) | 6.0898% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 5,310 |
| Loan loss allowance to noncurrent loans | 65.8960% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 2,353 |
| Noncurrent loans to loans | 1.0616% | 1,929 |
| Net loans and leases to total assets | 49.8219% | 4,691 |
| Net loans and leases to deposits | 57.4395% | 4,739 |
| Net loans and leases to core deposits | 62.8097% | 4,601 |
| Total domestic deposits to total assets | 86.7381% | 2,340 |
| Equity capital to assets | 13.0741% | 1,227 |
| Core capital (leverage) ratio | 13.8393% | 883 |
| Tier 1 risk-based capital ratio | 30.7267% | 457 |
| Total risk-based capital ratio | 31.5182% | 466 |
| Memoranda: | ||
| Average total assets | $97,111,500 | 4,406 |
| Average earning assets | $92,503,500 | 4,343 |
| Average equity | $12,620,500 | 4,118 |
| Average total loans | $47,946,000 | 4,628 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8240% | 5,628 |
| Cost of funding earning assets | 0.6150% | 1,237 |
| Net interest margin | 2.2090% | 5,748 |
| Noninterest income to average assets | 0.1284% | 5,543 |
| Noninterest expense to average assets | 2.1553% | 4,874 |
| Loan and lease loss provision to assets | 0.0411% | 3,559 |
| Net operating income to assets | 0.0337% | 5,618 |
| Return on assets (ROA) | 0.1325% | 5,553 |
| Pretax return on assets | 0.1787% | 5,517 |
| Return on Equity (ROE) | 0.9875% | 5,571 |
| Retained earnings to average equity (ytd only) | 0.9875% | 4,930 |
| Net charge-offs to loans | 0.1126% | 2,138 |
| Credit loss provision to net charge-offs | 90.9091% | 2,777 |
| Earnings coverage of net charge-offs (x) | 1.9091% | 3,920 |
| Efficiency ratio | 96.1521% | 308 |
| Assets per employee ($millions) | 5.6933% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 5,444 |
| Loan loss allowance to noncurrent loans | 58.8123% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 2,384 |
| Noncurrent loans to loans | 1.1105% | 1,864 |
| Net loans and leases to total assets | 48.2487% | 4,879 |
| Net loans and leases to deposits | 55.7076% | 4,926 |
| Net loans and leases to core deposits | 60.5563% | 4,835 |
| Total domestic deposits to total assets | 86.6107% | 2,324 |
| Equity capital to assets | 12.9172% | 1,288 |
| Core capital (leverage) ratio | 13.5937% | 935 |
| Tier 1 risk-based capital ratio | 31.3822% | 429 |
| Total risk-based capital ratio | 32.1091% | 446 |
| Memoranda: | ||
| Average total assets | $97,388,000 | 4,398 |
| Average earning assets | $93,165,000 | 4,318 |
| Average equity | $13,063,400 | 4,083 |
| Average total loans | $39,059,200 | 4,908 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7779% | 5,726 |
| Cost of funding earning assets | 0.6035% | 1,297 |
| Net interest margin | 2.1744% | 5,829 |
| Noninterest income to average assets | 0.1312% | 5,598 |
| Noninterest expense to average assets | 2.1256% | 4,954 |
| Loan and lease loss provision to assets | 0.0205% | 3,828 |
| Net operating income to assets | 0.0494% | 5,680 |
| Return on assets (ROA) | 0.1271% | 5,647 |
| Pretax return on assets | 0.1763% | 5,590 |
| Return on Equity (ROE) | 0.9391% | 5,647 |
| Retained earnings to average equity (ytd only) | 0.9391% | 5,106 |
| Net charge-offs to loans | 0.1654% | 1,384 |
| Credit loss provision to net charge-offs | 32.6087% | 3,206 |
| Earnings coverage of net charge-offs (x) | 1.4130% | 3,699 |
| Efficiency ratio | 95.9877% | 316 |
| Assets per employee ($millions) | 5.5063% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 5,449 |
| Loan loss allowance to noncurrent loans | 53.2319% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 2,159 |
| Noncurrent loans to loans | 1.2918% | 1,729 |
| Net loans and leases to total assets | 40.7995% | 5,342 |
| Net loans and leases to deposits | 49.3206% | 5,335 |
| Net loans and leases to core deposits | 53.3553% | 5,250 |
| Total domestic deposits to total assets | 82.7229% | 3,699 |
| Equity capital to assets | 13.5581% | 1,218 |
| Core capital (leverage) ratio | 13.6906% | 944 |
| Tier 1 risk-based capital ratio | 32.9683% | 384 |
| Total risk-based capital ratio | 33.6667% | 392 |
| Memoranda: | ||
| Average total assets | $97,538,500 | 4,425 |
| Average earning assets | $93,450,500 | 4,354 |
| Average equity | $13,203,750 | 4,098 |
| Average total loans | $37,072,750 | 5,023 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8060% | 5,800 |
| Cost of funding earning assets | 0.5985% | 1,323 |
| Net interest margin | 2.2075% | 5,900 |
| Noninterest income to average assets | 0.1196% | 5,711 |
| Noninterest expense to average assets | 2.0822% | 5,101 |
| Loan and lease loss provision to assets | 0.0103% | 3,888 |
| Net operating income to assets | 0.0522% | 5,720 |
| Return on assets (ROA) | 0.0350% | 5,772 |
| Pretax return on assets | 0.1216% | 5,698 |
| Return on Equity (ROE) | 0.2590% | 5,774 |
| Retained earnings to average equity (ytd only) | 0.2590% | 5,227 |
| Net charge-offs to loans | 0.2677% | 894 |
| Credit loss provision to net charge-offs | 10.4167% | 2,992 |
| Earnings coverage of net charge-offs (x) | 1.6042% | 3,388 |
| Efficiency ratio | 92.9163% | 454 |
| Assets per employee ($millions) | 6.1883% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 5,432 |
| Loan loss allowance to noncurrent loans | 43.8625% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 1,943 |
| Noncurrent loans to loans | 1.6863% | 1,260 |
| Net loans and leases to total assets | 36.3239% | 5,592 |
| Net loans and leases to deposits | 43.0920% | 5,589 |
| Net loans and leases to core deposits | 46.5422% | 5,547 |
| Total domestic deposits to total assets | 84.2938% | 3,158 |
| Equity capital to assets | 13.5448% | 1,214 |
| Core capital (leverage) ratio | 13.5111% | 979 |
| Tier 1 risk-based capital ratio | 36.4178% | 300 |
| Total risk-based capital ratio | 37.1605% | 307 |
| Memoranda: | ||
| Average total assets | $97,013,330 | 4,477 |
| Average earning assets | $93,229,330 | 4,401 |
| Average equity | $13,125,670 | 4,138 |
| Average total loans | $35,857,670 | 5,113 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 5,833 |
| Cost of funding earning assets | 0.5931% | 1,377 |
| Net interest margin | 2.2467% | 5,945 |
| Noninterest income to average assets | 0.1208% | 5,735 |
| Noninterest expense to average assets | 2.0622% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0958% | 5,689 |
| Return on assets (ROA) | 0.0958% | 5,729 |
| Pretax return on assets | 0.2208% | 5,618 |
| Return on Equity (ROE) | 0.7086% | 5,741 |
| Retained earnings to average equity (ytd only) | 0.7086% | 4,936 |
| Net charge-offs to loans | 0.3701% | 599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.6061% | 2,794 |
| Efficiency ratio | 90.3285% | 658 |
| Assets per employee ($millions) | 6.4556% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 5,411 |
| Loan loss allowance to noncurrent loans | 28.0525% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 2,057 |
| Noncurrent loans to loans | 2.7990% | 622 |
| Net loans and leases to total assets | 36.2765% | 5,625 |
| Net loans and leases to deposits | 42.5969% | 5,639 |
| Net loans and leases to core deposits | 45.4508% | 5,609 |
| Total domestic deposits to total assets | 85.1622% | 3,060 |
| Equity capital to assets | 13.5510% | 1,162 |
| Core capital (leverage) ratio | 13.7432% | 887 |
| Tier 1 risk-based capital ratio | 37.0196% | 289 |
| Total risk-based capital ratio | 37.8035% | 296 |
| Memoranda: | ||
| Average total assets | $96,014,000 | 4,533 |
| Average earning assets | $92,402,000 | 4,452 |
| Average equity | $12,983,000 | 4,168 |
| Average total loans | $35,670,000 | 5,154 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6996% | 5,934 |
| Cost of funding earning assets | 0.6297% | 1,177 |
| Net interest margin | 2.0699% | 6,034 |
| Noninterest income to average assets | 0.1368% | 5,728 |
| Noninterest expense to average assets | 1.9986% | 5,459 |
| Loan and lease loss provision to assets | 0.0553% | 3,203 |
| Net operating income to assets | 0.0365% | 5,837 |
| Return on assets (ROA) | 0.2203% | 5,597 |
| Pretax return on assets | 0.2517% | 5,610 |
| Return on Equity (ROE) | 1.6090% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.6090% | 4,803 |
| Net charge-offs to loans | -0.0288% | 5,382 |
| Credit loss provision to net charge-offs | -530.0000% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3187% | 430 |
| Assets per employee ($millions) | 6.7996% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 5,211 |
| Loan loss allowance to noncurrent loans | 28.6109% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 1,916 |
| Noncurrent loans to loans | 3.0250% | 525 |
| Net loans and leases to total assets | 37.4215% | 5,648 |
| Net loans and leases to deposits | 43.3143% | 5,670 |
| Net loans and leases to core deposits | 45.8971% | 5,653 |
| Total domestic deposits to total assets | 86.3952% | 2,434 |
| Equity capital to assets | 13.4924% | 1,130 |
| Core capital (leverage) ratio | 13.8703% | 855 |
| Tier 1 risk-based capital ratio | 37.1917% | 276 |
| Total risk-based capital ratio | 38.0743% | 282 |
| Memoranda: | ||
| Average total assets | $95,766,600 | 4,546 |
| Average earning assets | $90,679,000 | 4,490 |
| Average equity | $13,113,600 | 4,120 |
| Average total loans | $34,726,800 | 5,200 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6873% | 6,026 |
| Cost of funding earning assets | 0.6332% | 1,190 |
| Net interest margin | 2.0541% | 6,124 |
| Noninterest income to average assets | 0.1265% | 5,842 |
| Noninterest expense to average assets | 1.9490% | 5,570 |
| Loan and lease loss provision to assets | 0.0042% | 4,176 |
| Net operating income to assets | 0.1077% | 5,840 |
| Return on assets (ROA) | 0.1237% | 5,857 |
| Pretax return on assets | 0.1293% | 5,865 |
| Return on Equity (ROE) | 0.9002% | 5,873 |
| Retained earnings to average equity (ytd only) | 0.9002% | 5,350 |
| Net charge-offs to loans | -0.0271% | 5,309 |
| Credit loss provision to net charge-offs | -42.8571% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3472% | 471 |
| Assets per employee ($millions) | 6.6079% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 5,604 |
| Loan loss allowance to noncurrent loans | 26.9874% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 2,286 |
| Noncurrent loans to loans | 2.8278% | 658 |
| Net loans and leases to total assets | 36.2653% | 5,773 |
| Net loans and leases to deposits | 42.4273% | 5,786 |
| Net loans and leases to core deposits | 43.8819% | 5,795 |
| Total domestic deposits to total assets | 85.4762% | 2,793 |
| Equity capital to assets | 14.2676% | 922 |
| Core capital (leverage) ratio | 13.8806% | 894 |
| Tier 1 risk-based capital ratio | 39.6005% | 253 |
| Total risk-based capital ratio | 40.3873% | 257 |
| Memoranda: | ||
| Average total assets | $95,909,750 | 4,593 |
| Average earning assets | $90,547,000 | 4,539 |
| Average equity | $13,181,000 | 4,146 |
| Average total loans | $34,425,000 | 5,267 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6880% | 6,083 |
| Cost of funding earning assets | 0.6441% | 1,136 |
| Net interest margin | 2.0439% | 6,197 |
| Noninterest income to average assets | 0.1319% | 5,894 |
| Noninterest expense to average assets | 1.9600% | 5,614 |
| Loan and lease loss provision to assets | 0.0062% | 3,973 |
| Net operating income to assets | 0.1051% | 5,871 |
| Return on assets (ROA) | 0.1237% | 5,891 |
| Pretax return on assets | 0.1072% | 5,927 |
| Return on Equity (ROE) | 0.9108% | 5,914 |
| Retained earnings to average equity (ytd only) | 0.9108% | 5,202 |
| Net charge-offs to loans | -0.0404% | 5,456 |
| Credit loss provision to net charge-offs | -42.8571% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3862% | 464 |
| Assets per employee ($millions) | 6.3032% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 5,715 |
| Loan loss allowance to noncurrent loans | 26.4344% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 2,440 |
| Noncurrent loans to loans | 2.8346% | 727 |
| Net loans and leases to total assets | 36.1446% | 5,812 |
| Net loans and leases to deposits | 42.0826% | 5,831 |
| Net loans and leases to core deposits | 43.4850% | 5,850 |
| Total domestic deposits to total assets | 85.8897% | 2,749 |
| Equity capital to assets | 13.8575% | 1,029 |
| Core capital (leverage) ratio | 13.5984% | 958 |
| Tier 1 risk-based capital ratio | 38.6308% | 281 |
| Total risk-based capital ratio | 39.4001% | 288 |
| Memoranda: | ||
| Average total assets | $97,043,000 | 4,612 |
| Average earning assets | $91,294,670 | 4,575 |
| Average equity | $13,175,000 | 4,172 |
| Average total loans | $34,631,000 | 5,308 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6656% | 6,145 |
| Cost of funding earning assets | 0.6470% | 1,139 |
| Net interest margin | 2.0186% | 6,269 |
| Noninterest income to average assets | 0.1221% | 5,991 |
| Noninterest expense to average assets | 1.9493% | 5,665 |
| Loan and lease loss provision to assets | 0.0122% | 3,566 |
| Net operating income to assets | 0.0427% | 5,966 |
| Return on assets (ROA) | 0.0692% | 5,978 |
| Pretax return on assets | 0.1058% | 5,938 |
| Return on Equity (ROE) | 0.5147% | 5,985 |
| Retained earnings to average equity (ytd only) | 0.5147% | 5,219 |
| Net charge-offs to loans | -0.0230% | 5,106 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1847% | 496 |
| Assets per employee ($millions) | 6.1567% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7317% | 5,846 |
| Loan loss allowance to noncurrent loans | 18.8104% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 1,946 |
| Noncurrent loans to loans | 3.8899% | 457 |
| Net loans and leases to total assets | 34.8442% | 5,886 |
| Net loans and leases to deposits | 40.4197% | 5,900 |
| Net loans and leases to core deposits | 41.7044% | 5,922 |
| Total domestic deposits to total assets | 86.2061% | 2,824 |
| Equity capital to assets | 13.5127% | 1,166 |
| Core capital (leverage) ratio | 13.2588% | 1,066 |
| Tier 1 risk-based capital ratio | 36.3020% | 328 |
| Total risk-based capital ratio | 37.0133% | 338 |
| Memoranda: | ||
| Average total assets | $98,290,500 | 4,618 |
| Average earning assets | $92,737,500 | 4,579 |
| Average equity | $13,211,500 | 4,204 |
| Average total loans | $34,730,500 | 5,337 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8435% | 6,179 |
| Cost of funding earning assets | 0.7828% | 708 |
| Net interest margin | 2.0608% | 6,350 |
| Noninterest income to average assets | 0.1267% | 6,060 |
| Noninterest expense to average assets | 1.7972% | 6,069 |
| Loan and lease loss provision to assets | 0.0958% | 2,553 |
| Net operating income to assets | 0.1100% | 5,943 |
| Return on assets (ROA) | 0.1112% | 5,974 |
| Pretax return on assets | 0.1838% | 5,896 |
| Return on Equity (ROE) | 0.8837% | 5,984 |
| Retained earnings to average equity (ytd only) | 0.8837% | 5,383 |
| Net charge-offs to loans | 0.1689% | 2,344 |
| Credit loss provision to net charge-offs | 159.6774% | 1,515 |
| Earnings coverage of net charge-offs (x) | 4.6290% | 3,603 |
| Efficiency ratio | 86.6200% | 1,106 |
| Assets per employee ($millions) | 6.5383% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 5,969 |
| Loan loss allowance to noncurrent loans | 22.7732% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 2,528 |
| Noncurrent loans to loans | 3.1218% | 711 |
| Net loans and leases to total assets | 35.3162% | 5,980 |
| Net loans and leases to deposits | 40.8414% | 6,007 |
| Net loans and leases to core deposits | 42.2700% | 6,027 |
| Total domestic deposits to total assets | 86.4714% | 2,585 |
| Equity capital to assets | 13.3695% | 1,206 |
| Core capital (leverage) ratio | 13.1775% | 1,072 |
| Tier 1 risk-based capital ratio | 36.6739% | 295 |
| Total risk-based capital ratio | 37.3791% | 299 |
| Memoranda: | ||
| Average total assets | $103,384,400 | 4,518 |
| Average earning assets | $97,730,000 | 4,458 |
| Average equity | $13,013,600 | 4,196 |
| Average total loans | $36,702,800 | 5,302 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8700% | 6,229 |
| Cost of funding earning assets | 0.8065% | 665 |
| Net interest margin | 2.0635% | 6,432 |
| Noninterest income to average assets | 0.1273% | 6,129 |
| Noninterest expense to average assets | 1.7915% | 6,101 |
| Loan and lease loss provision to assets | 0.0764% | 2,809 |
| Net operating income to assets | 0.1244% | 5,994 |
| Return on assets (ROA) | 0.1261% | 6,019 |
| Pretax return on assets | 0.2101% | 5,935 |
| Return on Equity (ROE) | 1.0162% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.0162% | 5,478 |
| Net charge-offs to loans | -0.0143% | 5,522 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3190% | 1,156 |
| Assets per employee ($millions) | 6.9795% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 5,954 |
| Loan loss allowance to noncurrent loans | 30.1535% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 3,104 |
| Noncurrent loans to loans | 2.5483% | 1,140 |
| Net loans and leases to total assets | 36.3442% | 6,017 |
| Net loans and leases to deposits | 42.0631% | 6,048 |
| Net loans and leases to core deposits | 43.5390% | 6,061 |
| Total domestic deposits to total assets | 86.4041% | 2,637 |
| Equity capital to assets | 13.3892% | 1,237 |
| Core capital (leverage) ratio | 13.2072% | 1,097 |
| Tier 1 risk-based capital ratio | 36.3321% | 315 |
| Total risk-based capital ratio | 37.1079% | 326 |
| Memoranda: | ||
| Average total assets | $104,712,000 | 4,526 |
| Average earning assets | $98,858,250 | 4,466 |
| Average equity | $12,989,000 | 4,223 |
| Average total loans | $37,157,500 | 5,334 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8859% | 6,266 |
| Cost of funding earning assets | 0.8209% | 642 |
| Net interest margin | 2.0650% | 6,500 |
| Noninterest income to average assets | 0.1233% | 6,186 |
| Noninterest expense to average assets | 1.7488% | 6,210 |
| Loan and lease loss provision to assets | 0.1121% | 2,157 |
| Net operating income to assets | 0.1214% | 6,005 |
| Return on assets (ROA) | 0.1214% | 6,045 |
| Pretax return on assets | 0.2130% | 5,927 |
| Return on Equity (ROE) | 1.0033% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.0033% | 5,355 |
| Net charge-offs to loans | -0.0053% | 5,186 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3243% | 1,468 |
| Assets per employee ($millions) | 6.9001% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 6,106 |
| Loan loss allowance to noncurrent loans | 31.8129% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 3,495 |
| Noncurrent loans to loans | 2.3313% | 1,384 |
| Net loans and leases to total assets | 35.1716% | 6,096 |
| Net loans and leases to deposits | 40.3563% | 6,138 |
| Net loans and leases to core deposits | 41.6773% | 6,162 |
| Total domestic deposits to total assets | 87.1528% | 2,369 |
| Equity capital to assets | 12.6521% | 1,567 |
| Core capital (leverage) ratio | 12.4414% | 1,427 |
| Tier 1 risk-based capital ratio | 34.2615% | 367 |
| Total risk-based capital ratio | 34.9869% | 374 |
| Memoranda: | ||
| Average total assets | $107,045,000 | 4,510 |
| Average earning assets | $101,113,330 | 4,440 |
| Average equity | $12,957,670 | 4,231 |
| Average total loans | $37,614,000 | 5,351 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 6,329 |
| Cost of funding earning assets | 0.8580% | 566 |
| Net interest margin | 2.0383% | 6,579 |
| Noninterest income to average assets | 0.1103% | 6,298 |
| Noninterest expense to average assets | 1.7387% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1985% | 5,805 |
| Return on assets (ROA) | 0.1985% | 5,852 |
| Pretax return on assets | 0.3014% | 5,714 |
| Return on Equity (ROE) | 1.6758% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.6758% | 4,945 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2252% | 1,516 |
| Assets per employee ($millions) | 7.1559% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 6,451 |
| Loan loss allowance to noncurrent loans | 25.6379% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 3,820 |
| Noncurrent loans to loans | 2.1914% | 1,659 |
| Net loans and leases to total assets | 34.7916% | 6,132 |
| Net loans and leases to deposits | 39.6179% | 6,181 |
| Net loans and leases to core deposits | 40.8557% | 6,206 |
| Total domestic deposits to total assets | 87.8180% | 2,326 |
| Equity capital to assets | 12.1074% | 1,800 |
| Core capital (leverage) ratio | 11.9754% | 1,664 |
| Tier 1 risk-based capital ratio | 33.6312% | 398 |
| Total risk-based capital ratio | 34.1840% | 408 |
| Memoranda: | ||
| Average total assets | $108,817,000 | 4,512 |
| Average earning assets | $103,027,000 | 4,430 |
| Average equity | $12,889,000 | 4,255 |
| Average total loans | $38,083,500 | 5,391 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8085% | 6,494 |
| Cost of funding earning assets | 1.0422% | 372 |
| Net interest margin | 1.7663% | 6,693 |
| Noninterest income to average assets | 0.1276% | 6,296 |
| Noninterest expense to average assets | 1.5694% | 6,529 |
| Loan and lease loss provision to assets | 0.1772% | 2,086 |
| Net operating income to assets | 0.0503% | 6,128 |
| Return on assets (ROA) | 0.0916% | 6,116 |
| Pretax return on assets | 0.1327% | 6,040 |
| Return on Equity (ROE) | 0.8108% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.8108% | 5,472 |
| Net charge-offs to loans | 0.8213% | 757 |
| Credit loss provision to net charge-offs | 60.5263% | 3,545 |
| Earnings coverage of net charge-offs (x) | 0.8538% | 4,803 |
| Efficiency ratio | 86.2588% | 1,391 |
| Assets per employee ($millions) | 7.3530% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5439% | 6,534 |
| Loan loss allowance to noncurrent loans | 24.8227% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 3,924 |
| Noncurrent loans to loans | 2.1911% | 1,785 |
| Net loans and leases to total assets | 34.8166% | 6,254 |
| Net loans and leases to deposits | 39.4018% | 6,325 |
| Net loans and leases to core deposits | 40.4835% | 6,345 |
| Total domestic deposits to total assets | 88.3630% | 1,972 |
| Equity capital to assets | 11.5889% | 2,108 |
| Core capital (leverage) ratio | 11.5881% | 1,898 |
| Tier 1 risk-based capital ratio | 34.0990% | 362 |
| Total risk-based capital ratio | 34.6593% | 378 |
| Memoranda: | ||
| Average total assets | $116,796,400 | 4,344 |
| Average earning assets | $111,875,400 | 4,224 |
| Average equity | $13,197,000 | 4,225 |
| Average total loans | $41,640,200 | 5,277 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7638% | 6,593 |
| Cost of funding earning assets | 1.0677% | 362 |
| Net interest margin | 1.6961% | 6,788 |
| Noninterest income to average assets | 0.1576% | 6,243 |
| Noninterest expense to average assets | 1.4997% | 6,642 |
| Loan and lease loss provision to assets | 0.2331% | 1,550 |
| Net operating income to assets | 0.0372% | 6,240 |
| Return on assets (ROA) | 0.0439% | 6,285 |
| Pretax return on assets | 0.0597% | 6,249 |
| Return on Equity (ROE) | 0.3910% | 6,289 |
| Retained earnings to average equity (ytd only) | 0.3910% | 5,810 |
| Net charge-offs to loans | 1.0881% | 520 |
| Credit loss provision to net charge-offs | 59.8266% | 3,305 |
| Earnings coverage of net charge-offs (x) | 0.7283% | 4,606 |
| Efficiency ratio | 84.0909% | 1,583 |
| Assets per employee ($millions) | 7.0110% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 6,649 |
| Loan loss allowance to noncurrent loans | 40.7480% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 4,400 |
| Noncurrent loans to loans | 1.2509% | 3,312 |
| Net loans and leases to total assets | 36.0193% | 6,280 |
| Net loans and leases to deposits | 40.8004% | 6,361 |
| Net loans and leases to core deposits | 41.9009% | 6,388 |
| Total domestic deposits to total assets | 88.2818% | 1,948 |
| Equity capital to assets | 11.5889% | 2,232 |
| Core capital (leverage) ratio | 11.3629% | 2,152 |
| Tier 1 risk-based capital ratio | 32.7057% | 411 |
| Total risk-based capital ratio | 33.2382% | 435 |
| Memoranda: | ||
| Average total assets | $118,421,750 | 4,351 |
| Average earning assets | $113,513,500 | 4,235 |
| Average equity | $13,300,750 | 4,250 |
| Average total loans | $42,397,500 | 5,300 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7358% | 6,642 |
| Cost of funding earning assets | 1.0726% | 381 |
| Net interest margin | 1.6632% | 6,837 |
| Noninterest income to average assets | 0.1577% | 6,263 |
| Noninterest expense to average assets | 1.3460% | 6,759 |
| Loan and lease loss provision to assets | 0.3436% | 977 |
| Net operating income to assets | 0.0531% | 6,237 |
| Return on assets (ROA) | 0.0631% | 6,294 |
| Pretax return on assets | 0.0846% | 6,252 |
| Return on Equity (ROE) | 0.5671% | 6,295 |
| Retained earnings to average equity (ytd only) | 0.5671% | 5,674 |
| Net charge-offs to loans | 1.2049% | 480 |
| Credit loss provision to net charge-offs | 79.9228% | 2,626 |
| Earnings coverage of net charge-offs (x) | 0.9653% | 4,210 |
| Efficiency ratio | 76.4373% | 2,718 |
| Assets per employee ($millions) | 7.3133% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 6,482 |
| Loan loss allowance to noncurrent loans | 46.2264% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 4,389 |
| Noncurrent loans to loans | 1.5399% | 2,994 |
| Net loans and leases to total assets | 35.0457% | 6,358 |
| Net loans and leases to deposits | 39.4171% | 6,430 |
| Net loans and leases to core deposits | 40.2288% | 6,463 |
| Total domestic deposits to total assets | 88.9098% | 1,677 |
| Equity capital to assets | 10.9501% | 2,798 |
| Core capital (leverage) ratio | 10.8739% | 2,476 |
| Tier 1 risk-based capital ratio | 31.4624% | 457 |
| Total risk-based capital ratio | 32.1900% | 471 |
| Memoranda: | ||
| Average total assets | $120,503,670 | 4,335 |
| Average earning assets | $116,161,670 | 4,198 |
| Average equity | $13,401,000 | 4,261 |
| Average total loans | $42,992,670 | 5,304 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8247% | 6,662 |
| Cost of funding earning assets | 1.0668% | 438 |
| Net interest margin | 1.7579% | 6,896 |
| Noninterest income to average assets | 0.1832% | 6,165 |
| Noninterest expense to average assets | 1.1092% | 6,932 |
| Loan and lease loss provision to assets | 0.1407% | 2,483 |
| Net operating income to assets | 0.4277% | 5,014 |
| Return on assets (ROA) | 0.4450% | 5,095 |
| Pretax return on assets | 0.6740% | 4,685 |
| Return on Equity (ROE) | 3.9723% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.9723% | 3,852 |
| Net charge-offs to loans | 0.0182% | 3,790 |
| Credit loss provision to net charge-offs | 2,150.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 318 |
| Efficiency ratio | 58.4483% | 5,792 |
| Assets per employee ($millions) | 7.6593% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,267 |
| Loan loss allowance to noncurrent loans | 50.1946% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 4,810 |
| Noncurrent loans to loans | 1.7860% | 2,885 |
| Net loans and leases to total assets | 34.9104% | 6,367 |
| Net loans and leases to deposits | 39.5471% | 6,441 |
| Net loans and leases to core deposits | 40.5286% | 6,461 |
| Total domestic deposits to total assets | 88.2756% | 2,147 |
| Equity capital to assets | 11.2070% | 2,730 |
| Core capital (leverage) ratio | 10.5347% | 2,730 |
| Tier 1 risk-based capital ratio | 31.6581% | 464 |
| Total risk-based capital ratio | 32.6143% | 465 |
| Memoranda: | ||
| Average total assets | $122,249,000 | 4,339 |
| Average earning assets | $119,233,500 | 4,171 |
| Average equity | $13,695,000 | 4,248 |
| Average total loans | $43,838,000 | 5,305 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2551% | 6,627 |
| Cost of funding earning assets | 1.2669% | 421 |
| Net interest margin | 1.9882% | 6,937 |
| Noninterest income to average assets | 0.1035% | 6,489 |
| Noninterest expense to average assets | 1.7968% | 6,627 |
| Loan and lease loss provision to assets | 0.0329% | 5,484 |
| Net operating income to assets | 0.1399% | 5,912 |
| Return on assets (ROA) | 0.4649% | 5,070 |
| Pretax return on assets | 0.7001% | 4,664 |
| Return on Equity (ROE) | 4.3444% | 5,003 |
| Retained earnings to average equity (ytd only) | 4.3444% | 3,171 |
| Net charge-offs to loans | -0.0190% | 6,544 |
| Credit loss provision to net charge-offs | -466.6667% | 6,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1878% | 1,228 |
| Assets per employee ($millions) | 7.6219% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 6,527 |
| Loan loss allowance to noncurrent loans | 63.1387% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 5,362 |
| Noncurrent loans to loans | 1.2313% | 3,783 |
| Net loans and leases to total assets | 36.2124% | 6,420 |
| Net loans and leases to deposits | 41.0250% | 6,503 |
| Net loans and leases to core deposits | 42.0469% | 6,546 |
| Total domestic deposits to total assets | 88.2690% | 2,048 |
| Equity capital to assets | 11.1980% | 2,737 |
| Core capital (leverage) ratio | 10.4786% | 2,795 |
| Tier 1 risk-based capital ratio | 30.3246% | 504 |
| Total risk-based capital ratio | 31.1524% | 510 |
| Memoranda: | ||
| Average total assets | $127,561,600 | 4,201 |
| Average earning assets | $124,080,400 | 4,017 |
| Average equity | $13,649,600 | 4,230 |
| Average total loans | $47,466,600 | 5,199 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 6,695 |
| Cost of funding earning assets | 1.3006% | 437 |
| Net interest margin | 2.0376% | 7,027 |
| Noninterest income to average assets | 0.0796% | 6,692 |
| Noninterest expense to average assets | 2.1318% | 6,108 |
| Loan and lease loss provision to assets | 0.0279% | 5,433 |
| Net operating income to assets | -0.0693% | 6,368 |
| Return on assets (ROA) | 0.3722% | 5,562 |
| Pretax return on assets | 0.5500% | 5,301 |
| Return on Equity (ROE) | 3.5169% | 5,487 |
| Retained earnings to average equity (ytd only) | 3.5169% | 4,399 |
| Net charge-offs to loans | -0.0138% | 6,424 |
| Credit loss provision to net charge-offs | -540.0000% | 6,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4621% | 431 |
| Assets per employee ($millions) | 7.3135% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 6,739 |
| Loan loss allowance to noncurrent loans | 60.8209% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 5,601 |
| Noncurrent loans to loans | 1.1664% | 4,118 |
| Net loans and leases to total assets | 36.6983% | 6,505 |
| Net loans and leases to deposits | 41.5520% | 6,619 |
| Net loans and leases to core deposits | 42.5645% | 6,650 |
| Total domestic deposits to total assets | 88.3190% | 1,834 |
| Equity capital to assets | 11.0239% | 3,244 |
| Core capital (leverage) ratio | 10.1129% | 3,390 |
| Tier 1 risk-based capital ratio | 30.1079% | 527 |
| Total risk-based capital ratio | 30.8965% | 542 |
| Memoranda: | ||
| Average total assets | $128,964,500 | 4,210 |
| Average earning assets | $125,375,250 | 4,033 |
| Average equity | $13,648,000 | 4,274 |
| Average total loans | $48,206,500 | 5,229 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 6,745 |
| Cost of funding earning assets | 1.3398% | 448 |
| Net interest margin | 2.0357% | 7,094 |
| Noninterest income to average assets | 0.0506% | 6,855 |
| Noninterest expense to average assets | 1.6642% | 6,870 |
| Loan and lease loss provision to assets | 0.0414% | 5,155 |
| Net operating income to assets | 0.2113% | 5,884 |
| Return on assets (ROA) | 0.3479% | 5,665 |
| Pretax return on assets | 0.5287% | 5,370 |
| Return on Equity (ROE) | 3.3312% | 5,550 |
| Retained earnings to average equity (ytd only) | 3.3312% | 4,386 |
| Net charge-offs to loans | -0.0123% | 6,321 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0862% | 1,865 |
| Assets per employee ($millions) | 8.0136% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 6,848 |
| Loan loss allowance to noncurrent loans | 62.1415% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 5,764 |
| Noncurrent loans to loans | 1.0944% | 4,337 |
| Net loans and leases to total assets | 37.0174% | 6,546 |
| Net loans and leases to deposits | 41.8198% | 6,660 |
| Net loans and leases to core deposits | 42.8034% | 6,702 |
| Total domestic deposits to total assets | 88.5164% | 1,802 |
| Equity capital to assets | 10.7575% | 3,384 |
| Core capital (leverage) ratio | 9.7182% | 3,805 |
| Tier 1 risk-based capital ratio | 28.8786% | 580 |
| Total risk-based capital ratio | 29.6406% | 605 |
| Memoranda: | ||
| Average total assets | $130,509,330 | 4,196 |
| Average earning assets | $126,738,000 | 4,019 |
| Average equity | $13,628,670 | 4,270 |
| Average total loans | $48,957,670 | 5,235 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 6,861 |
| Cost of funding earning assets | 1.3767% | 459 |
| Net interest margin | 1.9695% | 7,174 |
| Noninterest income to average assets | 0.0334% | 6,996 |
| Noninterest expense to average assets | 1.7196% | 6,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1486% | 6,121 |
| Return on assets (ROA) | 0.4193% | 5,364 |
| Pretax return on assets | 0.6320% | 5,003 |
| Return on Equity (ROE) | 4.0749% | 5,261 |
| Retained earnings to average equity (ytd only) | 4.0749% | 4,149 |
| Net charge-offs to loans | -0.0242% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5759% | 1,219 |
| Assets per employee ($millions) | 8.1361% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 6,981 |
| Loan loss allowance to noncurrent loans | 44.0828% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 5,261 |
| Noncurrent loans to loans | 1.3716% | 4,058 |
| Net loans and leases to total assets | 37.6308% | 6,516 |
| Net loans and leases to deposits | 42.3203% | 6,640 |
| Net loans and leases to core deposits | 43.2942% | 6,689 |
| Total domestic deposits to total assets | 88.9190% | 1,750 |
| Equity capital to assets | 10.4265% | 3,584 |
| Core capital (leverage) ratio | 9.4907% | 4,060 |
| Tier 1 risk-based capital ratio | 27.8545% | 655 |
| Total risk-based capital ratio | 28.5334% | 690 |
| Memoranda: | ||
| Average total assets | $131,655,000 | 4,192 |
| Average earning assets | $127,547,500 | 4,029 |
| Average equity | $13,546,500 | 4,292 |
| Average total loans | $49,542,500 | 5,246 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 6,282 |
| Cost of funding earning assets | 1.7422% | 272 |
| Net interest margin | 2.3561% | 7,121 |
| Noninterest income to average assets | 0.0414% | 6,868 |
| Noninterest expense to average assets | 1.4731% | 7,184 |
| Loan and lease loss provision to assets | 0.1575% | 4,664 |
| Net operating income to assets | 0.4604% | 4,592 |
| Return on assets (ROA) | 0.5258% | 4,524 |
| Pretax return on assets | 0.7876% | 4,024 |
| Return on Equity (ROE) | 5.5430% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.5430% | 2,273 |
| Net charge-offs to loans | 0.3242% | 3,769 |
| Credit loss provision to net charge-offs | 129.0909% | 2,378 |
| Earnings coverage of net charge-offs (x) | 6.9455% | 2,421 |
| Efficiency ratio | 63.4799% | 5,217 |
| Assets per employee ($millions) | 9.5094% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5924% | 7,021 |
| Loan loss allowance to noncurrent loans | 50.4274% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 5,147 |
| Noncurrent loans to loans | 1.1747% | 4,409 |
| Net loans and leases to total assets | 37.1849% | 6,690 |
| Net loans and leases to deposits | 41.6825% | 6,806 |
| Net loans and leases to core deposits | 42.5239% | 6,869 |
| Total domestic deposits to total assets | 89.2100% | 1,417 |
| Equity capital to assets | 10.1553% | 3,967 |
| Core capital (leverage) ratio | 9.2656% | 4,379 |
| Tier 1 risk-based capital ratio | 26.9792% | 709 |
| Total risk-based capital ratio | 27.6347% | 739 |
| Memoranda: | ||
| Average total assets | $135,222,800 | 4,064 |
| Average earning assets | $130,811,600 | 3,912 |
| Average equity | $12,827,000 | 4,368 |
| Average total loans | $50,891,800 | 5,237 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 6,268 |
| Cost of funding earning assets | 1.8346% | 231 |
| Net interest margin | 2.3379% | 7,202 |
| Noninterest income to average assets | 0.0501% | 6,955 |
| Noninterest expense to average assets | 1.3957% | 7,277 |
| Loan and lease loss provision to assets | 0.0216% | 6,174 |
| Net operating income to assets | 0.5942% | 4,107 |
| Return on assets (ROA) | 0.5942% | 4,295 |
| Pretax return on assets | 0.8958% | 3,780 |
| Return on Equity (ROE) | 6.3748% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.3748% | 2,309 |
| Net charge-offs to loans | 0.0391% | 5,602 |
| Credit loss provision to net charge-offs | 146.6667% | 2,147 |
| Earnings coverage of net charge-offs (x) | 62.2650% | 535 |
| Efficiency ratio | 60.3397% | 5,660 |
| Assets per employee ($millions) | 10.1285% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4900% | 7,169 |
| Loan loss allowance to noncurrent loans | 23.1050% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 5,017 |
| Noncurrent loans to loans | 2.1208% | 3,217 |
| Net loans and leases to total assets | 39.0210% | 6,710 |
| Net loans and leases to deposits | 43.9445% | 6,837 |
| Net loans and leases to core deposits | 44.8451% | 6,892 |
| Total domestic deposits to total assets | 88.7962% | 1,546 |
| Equity capital to assets | 10.4078% | 3,820 |
| Core capital (leverage) ratio | 9.3212% | 4,423 |
| Tier 1 risk-based capital ratio | 26.6127% | 772 |
| Total risk-based capital ratio | 27.1720% | 822 |
| Memoranda: | ||
| Average total assets | $135,745,500 | 4,082 |
| Average earning assets | $131,399,250 | 3,927 |
| Average equity | $12,653,750 | 4,416 |
| Average total loans | $51,164,750 | 5,266 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 6,146 |
| Cost of funding earning assets | 1.9398% | 177 |
| Net interest margin | 2.3151% | 7,275 |
| Noninterest income to average assets | 0.0306% | 7,119 |
| Noninterest expense to average assets | 1.3727% | 7,368 |
| Loan and lease loss provision to assets | 0.0175% | 6,062 |
| Net operating income to assets | 0.5806% | 4,152 |
| Return on assets (ROA) | 0.5806% | 4,281 |
| Pretax return on assets | 0.8811% | 3,705 |
| Return on Equity (ROE) | 6.4696% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.4696% | 2,154 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4367% | 5,811 |
| Assets per employee ($millions) | 13.6301% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4986% | 7,229 |
| Loan loss allowance to noncurrent loans | 14.2936% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 4,183 |
| Noncurrent loans to loans | 3.4880% | 2,028 |
| Net loans and leases to total assets | 37.9242% | 6,862 |
| Net loans and leases to deposits | 42.2547% | 6,981 |
| Net loans and leases to core deposits | 43.2662% | 7,033 |
| Total domestic deposits to total assets | 89.7514% | 1,096 |
| Equity capital to assets | 9.5788% | 4,691 |
| Core capital (leverage) ratio | 8.7999% | 5,049 |
| Tier 1 risk-based capital ratio | 25.0148% | 901 |
| Total risk-based capital ratio | 25.5624% | 950 |
| Memoranda: | ||
| Average total assets | $137,104,000 | 4,080 |
| Average earning assets | $132,691,670 | 3,931 |
| Average equity | $12,303,670 | 4,475 |
| Average total loans | $51,009,000 | 5,315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 6,349 |
| Cost of funding earning assets | 2.0656% | 140 |
| Net interest margin | 2.1047% | 7,388 |
| Noninterest income to average assets | 0.1105% | 6,860 |
| Noninterest expense to average assets | 1.3236% | 7,444 |
| Loan and lease loss provision to assets | 0.0262% | 5,637 |
| Net operating income to assets | 0.5033% | 4,477 |
| Return on assets (ROA) | 0.5033% | 4,560 |
| Pretax return on assets | 0.7971% | 3,907 |
| Return on Equity (ROE) | 5.8017% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.8017% | 2,754 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6531% | 5,732 |
| Assets per employee ($millions) | 15.6283% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5013% | 7,279 |
| Loan loss allowance to noncurrent loans | 15.1390% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 4,416 |
| Noncurrent loans to loans | 3.3112% | 2,271 |
| Net loans and leases to total assets | 36.1260% | 6,994 |
| Net loans and leases to deposits | 39.6129% | 7,119 |
| Net loans and leases to core deposits | 40.6429% | 7,150 |
| Total domestic deposits to total assets | 91.1976% | 533 |
| Equity capital to assets | 8.4988% | 5,908 |
| Core capital (leverage) ratio | 8.2837% | 5,838 |
| Tier 1 risk-based capital ratio | 23.9493% | 980 |
| Total risk-based capital ratio | 24.4775% | 1,046 |
| Memoranda: | ||
| Average total assets | $137,505,500 | 4,110 |
| Average earning assets | $133,037,500 | 3,956 |
| Average equity | $11,927,500 | 4,567 |
| Average total loans | $50,538,500 | 5,378 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 6,411 |
| Cost of funding earning assets | 2.3640% | 174 |
| Net interest margin | 2.1310% | 7,420 |
| Noninterest income to average assets | 0.1012% | 6,889 |
| Noninterest expense to average assets | 1.4174% | 7,475 |
| Loan and lease loss provision to assets | 0.0286% | 6,842 |
| Net operating income to assets | 0.4745% | 4,212 |
| Return on assets (ROA) | 0.4745% | 4,372 |
| Pretax return on assets | 0.7118% | 3,934 |
| Return on Equity (ROE) | 4.9954% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.9954% | 2,411 |
| Net charge-offs to loans | 0.0151% | 6,676 |
| Credit loss provision to net charge-offs | 528.5714% | 430 |
| Earnings coverage of net charge-offs (x) | 136.8571% | 183 |
| Efficiency ratio | 65.6877% | 5,029 |
| Assets per employee ($millions) | 14.9284% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 7,361 |
| Loan loss allowance to noncurrent loans | 15.3226% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2712% | 4,492 |
| Noncurrent loans to loans | 3.2235% | 2,354 |
| Net loans and leases to total assets | 37.0367% | 7,111 |
| Net loans and leases to deposits | 40.7951% | 7,225 |
| Net loans and leases to core deposits | 41.9089% | 7,258 |
| Total domestic deposits to total assets | 90.7872% | 699 |
| Equity capital to assets | 8.8578% | 5,342 |
| Core capital (leverage) ratio | 8.5540% | 5,268 |
| Tier 1 risk-based capital ratio | 23.0039% | 1,037 |
| Total risk-based capital ratio | 23.5009% | 1,117 |
| Memoranda: | ||
| Average total assets | $129,391,200 | 4,285 |
| Average earning assets | $124,873,800 | 4,134 |
| Average equity | $12,291,400 | 4,530 |
| Average total loans | $46,509,000 | 5,612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 6,525 |
| Cost of funding earning assets | 2.4083% | 197 |
| Net interest margin | 2.1224% | 7,542 |
| Noninterest income to average assets | 0.1030% | 7,034 |
| Noninterest expense to average assets | 1.4358% | 7,581 |
| Loan and lease loss provision to assets | 0.0260% | 6,808 |
| Net operating income to assets | 0.4588% | 4,495 |
| Return on assets (ROA) | 0.4588% | 4,678 |
| Pretax return on assets | 0.6888% | 4,268 |
| Return on Equity (ROE) | 4.7461% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.7461% | 3,162 |
| Net charge-offs to loans | 0.0204% | 6,387 |
| Credit loss provision to net charge-offs | 357.1429% | 872 |
| Earnings coverage of net charge-offs (x) | 98.1758% | 314 |
| Efficiency ratio | 66.7634% | 4,703 |
| Assets per employee ($millions) | 14.9169% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 7,462 |
| Loan loss allowance to noncurrent loans | 14.7040% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 4,613 |
| Noncurrent loans to loans | 3.3775% | 2,360 |
| Net loans and leases to total assets | 35.2211% | 7,299 |
| Net loans and leases to deposits | 39.4393% | 7,389 |
| Net loans and leases to core deposits | 40.4598% | 7,417 |
| Total domestic deposits to total assets | 89.3044% | 1,228 |
| Equity capital to assets | 9.7607% | 4,462 |
| Core capital (leverage) ratio | 8.5661% | 5,394 |
| Tier 1 risk-based capital ratio | 25.5781% | 808 |
| Total risk-based capital ratio | 26.1141% | 856 |
| Memoranda: | ||
| Average total assets | $128,150,000 | 4,370 |
| Average earning assets | $123,627,500 | 4,207 |
| Average equity | $12,389,000 | 4,575 |
| Average total loans | $45,634,250 | 5,758 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 6,427 |
| Cost of funding earning assets | 2.4524% | 204 |
| Net interest margin | 2.1596% | 7,599 |
| Noninterest income to average assets | 0.1063% | 7,069 |
| Noninterest expense to average assets | 1.4288% | 7,648 |
| Loan and lease loss provision to assets | 0.0301% | 6,641 |
| Net operating income to assets | 0.4821% | 4,406 |
| Return on assets (ROA) | 0.4821% | 4,566 |
| Pretax return on assets | 0.7295% | 4,141 |
| Return on Equity (ROE) | 5.0038% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.0038% | 2,895 |
| Net charge-offs to loans | 0.0311% | 5,903 |
| Credit loss provision to net charge-offs | 271.4286% | 1,387 |
| Earnings coverage of net charge-offs (x) | 68.4286% | 456 |
| Efficiency ratio | 65.2899% | 5,109 |
| Assets per employee ($millions) | 14.5577% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 7,521 |
| Loan loss allowance to noncurrent loans | 17.3979% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 4,818 |
| Noncurrent loans to loans | 2.8010% | 2,852 |
| Net loans and leases to total assets | 35.8482% | 7,356 |
| Net loans and leases to deposits | 40.1979% | 7,441 |
| Net loans and leases to core deposits | 41.3727% | 7,465 |
| Total domestic deposits to total assets | 89.1794% | 1,336 |
| Equity capital to assets | 9.7925% | 4,278 |
| Core capital (leverage) ratio | 8.6613% | 5,143 |
| Tier 1 risk-based capital ratio | 25.7858% | 785 |
| Total risk-based capital ratio | 26.3190% | 820 |
| Memoranda: | ||
| Average total assets | $126,116,000 | 4,442 |
| Average earning assets | $121,596,670 | 4,281 |
| Average equity | $12,150,670 | 4,641 |
| Average total loans | $45,005,330 | 5,819 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 6,426 |
| Cost of funding earning assets | 2.4904% | 231 |
| Net interest margin | 2.1548% | 7,668 |
| Noninterest income to average assets | 0.0841% | 7,287 |
| Noninterest expense to average assets | 1.4750% | 7,724 |
| Loan and lease loss provision to assets | 0.0420% | 6,255 |
| Net operating income to assets | 0.4205% | 4,753 |
| Return on assets (ROA) | 0.4205% | 4,893 |
| Pretax return on assets | 0.6437% | 4,439 |
| Return on Equity (ROE) | 4.4027% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.4027% | 3,510 |
| Net charge-offs to loans | 0.0638% | 4,774 |
| Credit loss provision to net charge-offs | 185.7143% | 1,971 |
| Earnings coverage of net charge-offs (x) | 30.2857% | 863 |
| Efficiency ratio | 68.2635% | 4,669 |
| Assets per employee ($millions) | 14.0451% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4945% | 7,592 |
| Loan loss allowance to noncurrent loans | 21.7009% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 5,233 |
| Noncurrent loans to loans | 2.2787% | 3,418 |
| Net loans and leases to total assets | 35.3409% | 7,449 |
| Net loans and leases to deposits | 39.2785% | 7,539 |
| Net loans and leases to core deposits | 40.4540% | 7,562 |
| Total domestic deposits to total assets | 89.9752% | 998 |
| Equity capital to assets | 9.4323% | 4,639 |
| Core capital (leverage) ratio | 8.7641% | 4,913 |
| Tier 1 risk-based capital ratio | 26.7590% | 724 |
| Total risk-based capital ratio | 27.3016% | 756 |
| Memoranda: | ||
| Average total assets | $123,664,500 | 4,545 |
| Average earning assets | $119,175,500 | 4,397 |
| Average equity | $11,811,000 | 4,764 |
| Average total loans | $43,909,000 | 5,940 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 6,571 |
| Cost of funding earning assets | 2.8704% | 343 |
| Net interest margin | 2.0835% | 7,709 |
| Noninterest income to average assets | 0.1405% | 7,040 |
| Noninterest expense to average assets | 1.5180% | 7,807 |
| Loan and lease loss provision to assets | 0.0239% | 7,270 |
| Net operating income to assets | 0.2799% | 4,611 |
| Return on assets (ROA) | 0.0486% | 5,400 |
| Pretax return on assets | 0.2350% | 4,926 |
| Return on Equity (ROE) | 0.4712% | 5,399 |
| Retained earnings to average equity (ytd only) | 0.4712% | 4,641 |
| Net charge-offs to loans | 0.0172% | 6,980 |
| Credit loss provision to net charge-offs | 385.7143% | 822 |
| Earnings coverage of net charge-offs (x) | 100.2857% | 275 |
| Efficiency ratio | 70.9917% | 4,442 |
| Assets per employee ($millions) | 13.4359% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5032% | 7,662 |
| Loan loss allowance to noncurrent loans | 44.3532% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 5,899 |
| Noncurrent loans to loans | 1.1346% | 5,064 |
| Net loans and leases to total assets | 35.3175% | 7,551 |
| Net loans and leases to deposits | 39.3580% | 7,642 |
| Net loans and leases to core deposits | 44.5129% | 7,694 |
| Total domestic deposits to total assets | 89.7340% | 1,090 |
| Equity capital to assets | 9.6748% | 4,179 |
| Core capital (leverage) ratio | 9.0467% | 4,349 |
| Tier 1 risk-based capital ratio | 27.0367% | 702 |
| Total risk-based capital ratio | 27.5765% | 729 |
| Memoranda: | ||
| Average total assets | $113,178,200 | 4,753 |
| Average earning assets | $108,519,600 | 4,613 |
| Average equity | $11,671,800 | 4,820 |
| Average total loans | $40,726,000 | 6,066 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 6,565 |
| Cost of funding earning assets | 2.9460% | 390 |
| Net interest margin | 2.0667% | 7,787 |
| Noninterest income to average assets | 0.1318% | 7,218 |
| Noninterest expense to average assets | 1.5425% | 7,870 |
| Loan and lease loss provision to assets | 0.0264% | 7,092 |
| Net operating income to assets | 0.2030% | 5,143 |
| Return on assets (ROA) | -0.1414% | 5,989 |
| Pretax return on assets | 0.0024% | 5,702 |
| Return on Equity (ROE) | -1.3487% | 5,993 |
| Retained earnings to average equity (ytd only) | -1.3487% | 5,572 |
| Net charge-offs to loans | 0.0232% | 6,565 |
| Credit loss provision to net charge-offs | 314.2857% | 1,311 |
| Earnings coverage of net charge-offs (x) | 67.5938% | 496 |
| Efficiency ratio | 73.1250% | 4,033 |
| Assets per employee ($millions) | 13.1759% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4986% | 7,716 |
| Loan loss allowance to noncurrent loans | 26.8448% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 5,241 |
| Noncurrent loans to loans | 1.8573% | 3,832 |
| Net loans and leases to total assets | 35.5101% | 7,634 |
| Net loans and leases to deposits | 39.8699% | 7,735 |
| Net loans and leases to core deposits | 44.5687% | 7,788 |
| Total domestic deposits to total assets | 89.0650% | 1,167 |
| Equity capital to assets | 10.1962% | 3,853 |
| Core capital (leverage) ratio | 9.1465% | 4,419 |
| Tier 1 risk-based capital ratio | 26.1399% | 812 |
| Total risk-based capital ratio | 26.6580% | 842 |
| Memoranda: | ||
| Average total assets | $111,242,000 | 4,821 |
| Average earning assets | $106,447,500 | 4,692 |
| Average equity | $11,665,000 | 4,878 |
| Average total loans | $40,176,750 | 6,149 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 6,728 |
| Cost of funding earning assets | 3.0143% | 452 |
| Net interest margin | 1.9980% | 7,866 |
| Noninterest income to average assets | 0.1250% | 7,350 |
| Noninterest expense to average assets | 1.5497% | 7,944 |
| Loan and lease loss provision to assets | 0.0404% | 6,832 |
| Net operating income to assets | 0.3254% | 4,782 |
| Return on assets (ROA) | -0.5000% | 6,558 |
| Pretax return on assets | -0.3824% | 6,306 |
| Return on Equity (ROE) | -4.7210% | 6,576 |
| Retained earnings to average equity (ytd only) | -4.7210% | 6,263 |
| Net charge-offs to loans | 0.0355% | 5,969 |
| Credit loss provision to net charge-offs | 314.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 37.5714% | 851 |
| Efficiency ratio | 76.2206% | 3,647 |
| Assets per employee ($millions) | 12.7216% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5029% | 7,783 |
| Loan loss allowance to noncurrent loans | 40.9002% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 5,599 |
| Noncurrent loans to loans | 1.2295% | 4,754 |
| Net loans and leases to total assets | 36.1163% | 7,702 |
| Net loans and leases to deposits | 40.4395% | 7,801 |
| Net loans and leases to core deposits | 45.2963% | 7,852 |
| Total domestic deposits to total assets | 89.3095% | 1,121 |
| Equity capital to assets | 10.0023% | 3,936 |
| Core capital (leverage) ratio | 9.2818% | 4,194 |
| Tier 1 risk-based capital ratio | 25.4426% | 906 |
| Total risk-based capital ratio | 25.9494% | 953 |
| Memoranda: | ||
| Average total assets | $108,795,000 | 4,917 |
| Average earning assets | $103,903,670 | 4,795 |
| Average equity | $11,523,000 | 4,945 |
| Average total loans | $39,462,330 | 6,228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 6,742 |
| Cost of funding earning assets | 3.1444% | 403 |
| Net interest margin | 1.9247% | 7,931 |
| Noninterest income to average assets | 0.1284% | 7,374 |
| Noninterest expense to average assets | 1.5895% | 7,917 |
| Loan and lease loss provision to assets | 0.0076% | 6,712 |
| Net operating income to assets | 0.2416% | 5,521 |
| Return on assets (ROA) | 0.2416% | 5,686 |
| Pretax return on assets | 0.3662% | 5,495 |
| Return on Equity (ROE) | 2.2148% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.2148% | 4,640 |
| Net charge-offs to loans | 0.0729% | 4,459 |
| Credit loss provision to net charge-offs | 28.5714% | 4,966 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 1,691 |
| Efficiency ratio | 80.9615% | 2,679 |
| Assets per employee ($millions) | 12.0258% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4861% | 7,840 |
| Loan loss allowance to noncurrent loans | 38.4458% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 5,175 |
| Noncurrent loans to loans | 1.2643% | 4,456 |
| Net loans and leases to total assets | 35.5634% | 7,745 |
| Net loans and leases to deposits | 40.0393% | 7,839 |
| Net loans and leases to core deposits | 44.9205% | 7,888 |
| Total domestic deposits to total assets | 88.8212% | 1,324 |
| Equity capital to assets | 10.6447% | 3,332 |
| Core capital (leverage) ratio | 10.1017% | 3,285 |
| Tier 1 risk-based capital ratio | 26.3079% | 869 |
| Total risk-based capital ratio | 26.7647% | 907 |
| Memoranda: | ||
| Average total assets | $105,945,500 | 5,007 |
| Average earning assets | $101,004,500 | 4,885 |
| Average equity | $11,558,500 | 4,966 |
| Average total loans | $38,413,500 | 6,309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 7,505 |
| Cost of funding earning assets | 3.3555% | 793 |
| Net interest margin | 2.0152% | 8,056 |
| Noninterest income to average assets | 0.1236% | 7,501 |
| Noninterest expense to average assets | 1.6348% | 7,932 |
| Loan and lease loss provision to assets | 0.0203% | 7,133 |
| Net operating income to assets | 0.2547% | 5,695 |
| Return on assets (ROA) | 0.5544% | 4,357 |
| Pretax return on assets | 0.8412% | 3,927 |
| Return on Equity (ROE) | 5.0739% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.0739% | 1,980 |
| Net charge-offs to loans | 0.0166% | 6,641 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 604 |
| Efficiency ratio | 80.0496% | 2,597 |
| Assets per employee ($millions) | 11.5177% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5164% | 7,826 |
| Loan loss allowance to noncurrent loans | 31.7742% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 5,400 |
| Noncurrent loans to loans | 1.6252% | 3,329 |
| Net loans and leases to total assets | 36.6114% | 7,809 |
| Net loans and leases to deposits | 41.5178% | 7,909 |
| Net loans and leases to core deposits | 46.5937% | 7,954 |
| Total domestic deposits to total assets | 88.1824% | 1,398 |
| Equity capital to assets | 11.1867% | 2,888 |
| Core capital (leverage) ratio | 10.5111% | 2,969 |
| Tier 1 risk-based capital ratio | 27.8863% | 765 |
| Total risk-based capital ratio | 28.3967% | 795 |
| Memoranda: | ||
| Average total assets | $98,667,000 | 5,096 |
| Average earning assets | $93,934,600 | 4,971 |
| Average equity | $10,780,600 | 5,189 |
| Average total loans | $36,092,800 | 6,362 |