Home > Lyons Federal Bank > Performance and Condition Ratios
Lyons Federal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 2,406 |
| Cost of funding earning assets | 1.2083% | 2,779 |
| Net interest margin | 3.6257% | 1,916 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.4977% | 2,303 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9218% | 2,482 |
| Return on assets (ROA) | 0.9218% | 2,451 |
| Pretax return on assets | 1.2340% | 2,051 |
| Return on Equity (ROE) | 7.1000% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.0963% | 1,865 |
| 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 | 64.3918% | 2,561 |
| Assets per employee ($millions) | 6.0317% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,481 |
| Loan loss allowance to noncurrent loans | 869.0476% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 2,687 |
| Noncurrent loans to loans | 0.1584% | 2,727 |
| Net loans and leases to total assets | 61.9500% | 2,679 |
| Net loans and leases to deposits | 72.8673% | 2,707 |
| Net loans and leases to core deposits | 86.2179% | 2,293 |
| Total domestic deposits to total assets | 85.0200% | 2,306 |
| Equity capital to assets | 12.8139% | 898 |
| Core capital (leverage) ratio | 13.7246% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,828,000 | 3,282 |
| Average earning assets | $143,421,200 | 3,309 |
| Average equity | $20,630,400 | 2,805 |
| Average total loans | $103,942,200 | 3,134 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 2,291 |
| Cost of funding earning assets | 1.1226% | 2,677 |
| Net interest margin | 3.6658% | 1,853 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.5836% | 1,986 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.8794% | 2,755 |
| Return on assets (ROA) | 0.8794% | 2,738 |
| Pretax return on assets | 1.2078% | 2,280 |
| Return on Equity (ROE) | 6.7500% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.7458% | 2,378 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.2372% | 2,364 |
| Assets per employee ($millions) | 5.4214% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,622 |
| Loan loss allowance to noncurrent loans | 143.6874% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 835 |
| Noncurrent loans to loans | 0.9459% | 873 |
| Net loans and leases to total assets | 68.5600% | 1,992 |
| Net loans and leases to deposits | 81.8299% | 1,910 |
| Net loans and leases to core deposits | 97.9198% | 1,448 |
| Total domestic deposits to total assets | 83.7900% | 2,838 |
| Equity capital to assets | 13.7894% | 680 |
| Core capital (leverage) ratio | 14.1016% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $156,313,250 | 3,315 |
| Average earning assets | $141,340,000 | 3,338 |
| Average equity | $20,377,750 | 2,809 |
| Average total loans | $103,405,750 | 3,138 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 2,443 |
| Cost of funding earning assets | 1.0263% | 2,516 |
| Net interest margin | 3.5584% | 2,133 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6144% | 1,887 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.8073% | 3,058 |
| Return on assets (ROA) | 0.8073% | 3,065 |
| Pretax return on assets | 1.0810% | 2,691 |
| Return on Equity (ROE) | 6.3100% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.3091% | 2,509 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6335% | 2,025 |
| Assets per employee ($millions) | 5.7510% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 1,994 |
| Loan loss allowance to noncurrent loans | 1,470.2128% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 2,925 |
| Noncurrent loans to loans | 0.0874% | 3,069 |
| Net loans and leases to total assets | 68.3800% | 1,929 |
| Net loans and leases to deposits | 81.1410% | 1,896 |
| Net loans and leases to core deposits | 96.3086% | 1,450 |
| Total domestic deposits to total assets | 84.2800% | 2,759 |
| Equity capital to assets | 13.1899% | 774 |
| Core capital (leverage) ratio | 13.6185% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $157,818,333 | 3,318 |
| Average earning assets | $143,043,333 | 3,331 |
| Average equity | $20,193,000 | 2,851 |
| Average total loans | $102,704,000 | 3,143 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3864% | 2,590 |
| Cost of funding earning assets | 0.8745% | 2,455 |
| Net interest margin | 3.5119% | 2,330 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.4087% | 2,506 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.8624% | 2,983 |
| Return on assets (ROA) | 0.8624% | 2,929 |
| Pretax return on assets | 1.1817% | 2,473 |
| Return on Equity (ROE) | 6.8400% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.8432% | 2,538 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.2809% | 2,422 |
| Assets per employee ($millions) | 5.6331% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,093 |
| Loan loss allowance to noncurrent loans | 409.9688% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 1,969 |
| Noncurrent loans to loans | 0.3142% | 2,018 |
| Net loans and leases to total assets | 63.9400% | 2,257 |
| Net loans and leases to deposits | 75.4963% | 2,162 |
| Net loans and leases to core deposits | 91.3191% | 1,542 |
| Total domestic deposits to total assets | 84.6900% | 2,932 |
| Equity capital to assets | 12.8798% | 785 |
| Core capital (leverage) ratio | 13.1778% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $159,088,500 | 3,346 |
| Average earning assets | $144,537,500 | 3,362 |
| Average equity | $20,049,000 | 2,887 |
| Average total loans | $100,272,000 | 3,214 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 3,075 |
| Cost of funding earning assets | 0.3884% | 2,189 |
| Net interest margin | 3.1104% | 3,154 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.3042% | 2,716 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7836% | 3,382 |
| Return on assets (ROA) | 0.7836% | 3,318 |
| Pretax return on assets | 1.0652% | 2,875 |
| Return on Equity (ROE) | 6.3800% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.3794% | 2,502 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.4345% | 2,028 |
| Assets per employee ($millions) | 6.6854% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 1,974 |
| Loan loss allowance to noncurrent loans | 2,428.8462% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 3,229 |
| Noncurrent loans to loans | 0.0529% | 3,376 |
| Net loans and leases to total assets | 60.5300% | 2,593 |
| Net loans and leases to deposits | 70.8200% | 2,509 |
| Net loans and leases to core deposits | 78.8372% | 2,210 |
| Total domestic deposits to total assets | 85.4600% | 2,870 |
| Equity capital to assets | 12.3297% | 841 |
| Core capital (leverage) ratio | 13.4266% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $158,752,800 | 3,358 |
| Average earning assets | $144,194,600 | 3,387 |
| Average equity | $19,500,400 | 2,997 |
| Average total loans | $95,083,400 | 3,217 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 2,989 |
| Cost of funding earning assets | 0.3485% | 1,721 |
| Net interest margin | 3.0227% | 3,159 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.3015% | 2,627 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7453% | 3,435 |
| Return on assets (ROA) | 0.7453% | 3,383 |
| Pretax return on assets | 1.0274% | 2,944 |
| Return on Equity (ROE) | 6.0700% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.0730% | 2,729 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9960% | 2,029 |
| Assets per employee ($millions) | 6.5969% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,182 |
| Loan loss allowance to noncurrent loans | 2,338.8889% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,261 |
| Noncurrent loans to loans | 0.0542% | 3,490 |
| Net loans and leases to total assets | 64.8300% | 2,000 |
| Net loans and leases to deposits | 76.3804% | 1,846 |
| Net loans and leases to core deposits | 85.2719% | 1,564 |
| Total domestic deposits to total assets | 84.8800% | 3,312 |
| Equity capital to assets | 12.7781% | 717 |
| Core capital (leverage) ratio | 12.9939% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $158,328,500 | 3,381 |
| Average earning assets | $143,843,000 | 3,414 |
| Average equity | $19,429,750 | 3,048 |
| Average total loans | $94,260,000 | 3,244 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0998% | 3,306 |
| Cost of funding earning assets | 0.3244% | 1,488 |
| Net interest margin | 2.7755% | 3,514 |
| Noninterest income to average assets | 0.5681% | 1,873 |
| Noninterest expense to average assets | 2.2700% | 2,633 |
| Loan and lease loss provision to assets | 0.0311% | 2,029 |
| Net operating income to assets | 0.5482% | 3,769 |
| Return on assets (ROA) | 0.5482% | 3,720 |
| Pretax return on assets | 0.7936% | 3,349 |
| Return on Equity (ROE) | 4.5259% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.5259% | 2,871 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6651% | 1,670 |
| Assets per employee ($millions) | 6.7035% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,346 |
| Loan loss allowance to noncurrent loans | 2,508.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,417 |
| Noncurrent loans to loans | 0.0505% | 3,571 |
| Net loans and leases to total assets | 60.7373% | 2,244 |
| Net loans and leases to deposits | 70.9588% | 2,116 |
| Net loans and leases to core deposits | 78.4716% | 1,823 |
| Total domestic deposits to total assets | 85.5951% | 3,354 |
| Equity capital to assets | 12.0491% | 856 |
| Core capital (leverage) ratio | 12.2159% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,528,667 | 3,405 |
| Average earning assets | $146,137,000 | 3,433 |
| Average equity | $19,443,667 | 3,111 |
| Average total loans | $92,469,667 | 3,293 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 3,525 |
| Cost of funding earning assets | 0.3201% | 1,460 |
| Net interest margin | 2.5830% | 3,698 |
| Noninterest income to average assets | 0.5488% | 1,904 |
| Noninterest expense to average assets | 2.2176% | 2,790 |
| Loan and lease loss provision to assets | 0.0050% | 2,219 |
| Net operating income to assets | 0.5313% | 3,626 |
| Return on assets (ROA) | 0.5313% | 3,594 |
| Pretax return on assets | 0.6810% | 3,441 |
| Return on Equity (ROE) | 4.3753% | 3,787 |
| Retained earnings to average equity (ytd only) | 4.3753% | 2,809 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6873% | 1,564 |
| Assets per employee ($millions) | 6.9324% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,069 |
| Loan loss allowance to noncurrent loans | 2,462.0000% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,477 |
| Noncurrent loans to loans | 0.0553% | 3,588 |
| Net loans and leases to total assets | 55.9700% | 2,530 |
| Net loans and leases to deposits | 65.4037% | 2,392 |
| Net loans and leases to core deposits | 70.9131% | 2,218 |
| Total domestic deposits to total assets | 85.5763% | 3,392 |
| Equity capital to assets | 12.2066% | 885 |
| Core capital (leverage) ratio | 12.1707% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,351,500 | 3,418 |
| Average earning assets | $146,187,000 | 3,448 |
| Average equity | $19,473,000 | 3,190 |
| Average total loans | $89,219,500 | 3,336 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 3,111 |
| Cost of funding earning assets | 0.4695% | 1,064 |
| Net interest margin | 2.8612% | 3,532 |
| Noninterest income to average assets | 0.8998% | 1,196 |
| Noninterest expense to average assets | 2.3499% | 2,660 |
| Loan and lease loss provision to assets | 0.0081% | 2,920 |
| Net operating income to assets | 0.9385% | 2,910 |
| Return on assets (ROA) | 0.9385% | 2,974 |
| Pretax return on assets | 1.1268% | 2,888 |
| Return on Equity (ROE) | 7.3557% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.3557% | 1,780 |
| Net charge-offs to loans | 0.0544% | 1,248 |
| Credit loss provision to net charge-offs | 24.4898% | 2,260 |
| Earnings coverage of net charge-offs (x) | 34.1837% | 1,520 |
| Efficiency ratio | 66.8870% | 2,138 |
| Assets per employee ($millions) | 7.6789% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,933 |
| Loan loss allowance to noncurrent loans | 2,560.4167% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,590 |
| Noncurrent loans to loans | 0.0546% | 3,687 |
| Net loans and leases to total assets | 53.7881% | 2,877 |
| Net loans and leases to deposits | 62.7270% | 2,804 |
| Net loans and leases to core deposits | 67.6576% | 2,682 |
| Total domestic deposits to total assets | 85.7495% | 2,996 |
| Equity capital to assets | 12.0820% | 1,219 |
| Core capital (leverage) ratio | 12.8361% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,582,400 | 3,507 |
| Average earning assets | $133,336,200 | 3,537 |
| Average equity | $18,829,000 | 3,313 |
| Average total loans | $90,041,200 | 3,337 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 3,177 |
| Cost of funding earning assets | 0.5112% | 994 |
| Net interest margin | 2.8649% | 3,625 |
| Noninterest income to average assets | 0.9692% | 1,120 |
| Noninterest expense to average assets | 2.4157% | 2,392 |
| Loan and lease loss provision to assets | 0.0111% | 2,767 |
| Net operating income to assets | 0.9544% | 3,065 |
| Return on assets (ROA) | 0.9544% | 3,147 |
| Pretax return on assets | 1.1237% | 3,147 |
| Return on Equity (ROE) | 7.3717% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.3717% | 2,282 |
| Net charge-offs to loans | 0.0721% | 926 |
| Credit loss provision to net charge-offs | 24.4898% | 1,975 |
| Earnings coverage of net charge-offs (x) | 25.0408% | 1,628 |
| Efficiency ratio | 67.5176% | 1,897 |
| Assets per employee ($millions) | 6.5241% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,400 |
| Loan loss allowance to noncurrent loans | 1,683.5616% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 3,573 |
| Noncurrent loans to loans | 0.0783% | 3,701 |
| Net loans and leases to total assets | 64.0598% | 1,769 |
| Net loans and leases to deposits | 76.0310% | 1,669 |
| Net loans and leases to core deposits | 81.8067% | 1,585 |
| Total domestic deposits to total assets | 84.2549% | 3,385 |
| Equity capital to assets | 13.3526% | 887 |
| Core capital (leverage) ratio | 12.9609% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,163,750 | 3,579 |
| Average earning assets | $129,889,250 | 3,615 |
| Average equity | $18,665,500 | 3,371 |
| Average total loans | $90,560,000 | 3,371 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4156% | 3,134 |
| Cost of funding earning assets | 0.5211% | 1,084 |
| Net interest margin | 2.8945% | 3,586 |
| Noninterest income to average assets | 1.0514% | 992 |
| Noninterest expense to average assets | 2.5600% | 1,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9683% | 3,011 |
| Return on assets (ROA) | 0.9683% | 3,089 |
| Pretax return on assets | 1.0999% | 3,213 |
| Return on Equity (ROE) | 7.5572% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.5572% | 2,231 |
| Net charge-offs to loans | 0.1093% | 702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 16.2041% | 1,607 |
| Efficiency ratio | 69.4928% | 1,707 |
| Assets per employee ($millions) | 6.0521% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,380 |
| Loan loss allowance to noncurrent loans | 1,901.5625% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,727 |
| Noncurrent loans to loans | 0.0690% | 3,845 |
| Net loans and leases to total assets | 63.0176% | 2,062 |
| Net loans and leases to deposits | 74.6051% | 1,942 |
| Net loans and leases to core deposits | 80.6416% | 1,832 |
| Total domestic deposits to total assets | 84.4682% | 3,290 |
| Equity capital to assets | 12.9824% | 951 |
| Core capital (leverage) ratio | 12.8642% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,375,000 | 3,583 |
| Average earning assets | $130,110,667 | 3,626 |
| Average equity | $18,499,000 | 3,383 |
| Average total loans | $89,688,667 | 3,405 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 3,611 |
| Cost of funding earning assets | 0.6016% | 869 |
| Net interest margin | 2.6376% | 4,082 |
| Noninterest income to average assets | 1.1227% | 947 |
| Noninterest expense to average assets | 2.4650% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8754% | 3,194 |
| Return on assets (ROA) | 0.8754% | 3,279 |
| Pretax return on assets | 1.0338% | 3,279 |
| Return on Equity (ROE) | 6.8777% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.8777% | 2,615 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9762% | 1,702 |
| Assets per employee ($millions) | 5.8135% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,981 |
| Loan loss allowance to noncurrent loans | 1,229.1262% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 3,483 |
| Noncurrent loans to loans | 0.1135% | 3,741 |
| Net loans and leases to total assets | 64.1455% | 2,021 |
| Net loans and leases to deposits | 76.4949% | 1,854 |
| Net loans and leases to core deposits | 83.1111% | 1,744 |
| Total domestic deposits to total assets | 83.8559% | 3,479 |
| Equity capital to assets | 13.2428% | 851 |
| Core capital (leverage) ratio | 12.7437% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,937,500 | 3,590 |
| Average earning assets | $129,664,500 | 3,635 |
| Average equity | $18,320,000 | 3,393 |
| Average total loans | $88,158,000 | 3,440 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 2,900 |
| Cost of funding earning assets | 0.8140% | 1,153 |
| Net interest margin | 3.1288% | 3,556 |
| Noninterest income to average assets | 1.5128% | 531 |
| Noninterest expense to average assets | 2.7276% | 2,148 |
| Loan and lease loss provision to assets | 0.1395% | 2,614 |
| Net operating income to assets | 1.1746% | 1,636 |
| Return on assets (ROA) | 1.1764% | 1,738 |
| Pretax return on assets | 1.4275% | 1,577 |
| Return on Equity (ROE) | 8.9992% | 2,394 |
| Retained earnings to average equity (ytd only) | 8.9992% | 770 |
| Net charge-offs to loans | 0.0148% | 2,827 |
| Credit loss provision to net charge-offs | 1,423.0769% | 590 |
| Earnings coverage of net charge-offs (x) | 159.6154% | 549 |
| Efficiency ratio | 62.7899% | 3,008 |
| Assets per employee ($millions) | 6.1813% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,657 |
| Loan loss allowance to noncurrent loans | 1,318.7500% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 3,527 |
| Noncurrent loans to loans | 0.1122% | 3,840 |
| Net loans and leases to total assets | 56.8150% | 3,222 |
| Net loans and leases to deposits | 67.7712% | 3,102 |
| Net loans and leases to core deposits | 75.5452% | 2,766 |
| Total domestic deposits to total assets | 83.8335% | 3,157 |
| Equity capital to assets | 12.2433% | 1,455 |
| Core capital (leverage) ratio | 12.4832% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,606,000 | 3,598 |
| Average earning assets | $117,809,600 | 3,648 |
| Average equity | $17,334,800 | 3,430 |
| Average total loans | $87,974,400 | 3,434 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 2,356 |
| Cost of funding earning assets | 0.8914% | 1,095 |
| Net interest margin | 3.3232% | 3,117 |
| Noninterest income to average assets | 1.5056% | 515 |
| Noninterest expense to average assets | 2.7636% | 2,079 |
| Loan and lease loss provision to assets | 0.1920% | 2,071 |
| Net operating income to assets | 1.2409% | 1,515 |
| Return on assets (ROA) | 1.2435% | 1,623 |
| Pretax return on assets | 1.4932% | 1,463 |
| Return on Equity (ROE) | 9.3413% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.3413% | 894 |
| Net charge-offs to loans | 0.0196% | 2,465 |
| Credit loss provision to net charge-offs | 1,423.0769% | 643 |
| Earnings coverage of net charge-offs (x) | 124.8462% | 679 |
| Efficiency ratio | 61.3753% | 3,166 |
| Assets per employee ($millions) | 5.9441% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,526 |
| Loan loss allowance to noncurrent loans | 2,009.5238% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 3,725 |
| Noncurrent loans to loans | 0.0723% | 4,083 |
| Net loans and leases to total assets | 62.8312% | 2,904 |
| Net loans and leases to deposits | 77.2681% | 2,620 |
| Net loans and leases to core deposits | 84.0639% | 2,467 |
| Total domestic deposits to total assets | 81.3157% | 3,587 |
| Equity capital to assets | 13.0228% | 1,172 |
| Core capital (leverage) ratio | 12.5096% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,670,000 | 3,631 |
| Average earning assets | $113,822,250 | 3,702 |
| Average equity | $17,127,750 | 3,449 |
| Average total loans | $88,580,250 | 3,443 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 2,260 |
| Cost of funding earning assets | 0.9594% | 1,108 |
| Net interest margin | 3.4179% | 3,042 |
| Noninterest income to average assets | 1.3001% | 602 |
| Noninterest expense to average assets | 2.8177% | 2,052 |
| Loan and lease loss provision to assets | 0.2730% | 1,569 |
| Net operating income to assets | 1.0779% | 2,044 |
| Return on assets (ROA) | 1.0779% | 2,168 |
| Pretax return on assets | 1.2350% | 2,239 |
| Return on Equity (ROE) | 8.0344% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.0344% | 1,291 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2936% | 2,786 |
| Assets per employee ($millions) | 5.6995% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,660 |
| Loan loss allowance to noncurrent loans | 1,055.0000% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 3,590 |
| Noncurrent loans to loans | 0.1307% | 3,934 |
| Net loans and leases to total assets | 69.0994% | 2,171 |
| Net loans and leases to deposits | 85.0230% | 1,879 |
| Net loans and leases to core deposits | 94.8006% | 1,683 |
| Total domestic deposits to total assets | 81.2714% | 3,547 |
| Equity capital to assets | 13.1858% | 1,084 |
| Core capital (leverage) ratio | 12.9845% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,988,667 | 3,646 |
| Average earning assets | $111,531,333 | 3,715 |
| Average equity | $16,902,333 | 3,473 |
| Average total loans | $89,052,000 | 3,433 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,674 |
| Cost of funding earning assets | 1.0488% | 1,224 |
| Net interest margin | 3.3357% | 3,495 |
| Noninterest income to average assets | 1.0337% | 797 |
| Noninterest expense to average assets | 2.8257% | 2,357 |
| Loan and lease loss provision to assets | 0.2852% | 1,093 |
| Net operating income to assets | 0.6546% | 3,438 |
| Return on assets (ROA) | 0.6546% | 3,496 |
| Pretax return on assets | 0.8911% | 3,163 |
| Return on Equity (ROE) | 4.8351% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.8351% | 2,348 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3684% | 2,759 |
| Assets per employee ($millions) | 5.2296% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,943 |
| Loan loss allowance to noncurrent loans | 353.8922% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 2,973 |
| Noncurrent loans to loans | 0.3791% | 3,127 |
| Net loans and leases to total assets | 69.2479% | 2,361 |
| Net loans and leases to deposits | 85.1763% | 2,094 |
| Net loans and leases to core deposits | 97.7627% | 1,659 |
| Total domestic deposits to total assets | 81.2995% | 3,600 |
| Equity capital to assets | 13.3965% | 1,263 |
| Core capital (leverage) ratio | 13.4289% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,439,000 | 3,657 |
| Average earning assets | $109,842,500 | 3,712 |
| Average equity | $16,711,000 | 3,498 |
| Average total loans | $87,654,500 | 3,450 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 2,548 |
| Cost of funding earning assets | 1.0826% | 1,396 |
| Net interest margin | 3.5373% | 3,322 |
| Noninterest income to average assets | 0.7904% | 1,477 |
| Noninterest expense to average assets | 2.8618% | 2,404 |
| Loan and lease loss provision to assets | 0.0733% | 2,533 |
| Net operating income to assets | 0.8545% | 3,379 |
| Return on assets (ROA) | 0.8545% | 3,464 |
| Pretax return on assets | 0.9878% | 3,492 |
| Return on Equity (ROE) | 6.3966% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.3966% | 1,669 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4650% | 1,946 |
| Assets per employee ($millions) | 5.0570% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,149 |
| Loan loss allowance to noncurrent loans | 278.3715% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 2,676 |
| Noncurrent loans to loans | 0.4506% | 2,824 |
| Net loans and leases to total assets | 70.9577% | 2,255 |
| Net loans and leases to deposits | 88.2034% | 1,816 |
| Net loans and leases to core deposits | 98.7343% | 1,673 |
| Total domestic deposits to total assets | 80.4479% | 3,889 |
| Equity capital to assets | 13.6840% | 1,217 |
| Core capital (leverage) ratio | 13.4412% | 1,071 |
| Tier 1 risk-based capital ratio | 17.9565% | 1,773 |
| Total risk-based capital ratio | 19.1996% | 1,723 |
| Memoranda: | ||
| Average total assets | $120,065,400 | 3,703 |
| Average earning assets | $106,323,000 | 3,771 |
| Average equity | $16,039,800 | 3,538 |
| Average total loans | $86,472,400 | 3,476 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 2,501 |
| Cost of funding earning assets | 1.1007% | 1,356 |
| Net interest margin | 3.5692% | 3,335 |
| Noninterest income to average assets | 0.8028% | 1,414 |
| Noninterest expense to average assets | 2.8550% | 2,393 |
| Loan and lease loss provision to assets | 0.0980% | 1,955 |
| Net operating income to assets | 0.8362% | 3,558 |
| Return on assets (ROA) | 0.8362% | 3,640 |
| Pretax return on assets | 1.0055% | 3,581 |
| Return on Equity (ROE) | 6.2984% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.2984% | 2,223 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4923% | 2,053 |
| Assets per employee ($millions) | 5.1023% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,171 |
| Loan loss allowance to noncurrent loans | 289.4180% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,030 |
| Noncurrent loans to loans | 0.4354% | 3,005 |
| Net loans and leases to total assets | 73.0395% | 1,991 |
| Net loans and leases to deposits | 92.2946% | 1,399 |
| Net loans and leases to core deposits | 101.4331% | 1,552 |
| Total domestic deposits to total assets | 79.1373% | 4,157 |
| Equity capital to assets | 13.9187% | 1,183 |
| Core capital (leverage) ratio | 13.2320% | 1,243 |
| Tier 1 risk-based capital ratio | 17.4825% | 1,948 |
| Total risk-based capital ratio | 18.7311% | 1,919 |
| Memoranda: | ||
| Average total assets | $119,739,750 | 3,747 |
| Average earning assets | $105,867,000 | 3,823 |
| Average equity | $15,897,750 | 3,588 |
| Average total loans | $86,287,000 | 3,518 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 2,693 |
| Cost of funding earning assets | 1.0820% | 1,370 |
| Net interest margin | 3.5123% | 3,561 |
| Noninterest income to average assets | 0.7566% | 1,492 |
| Noninterest expense to average assets | 2.8738% | 2,345 |
| Loan and lease loss provision to assets | 0.1145% | 1,638 |
| Net operating income to assets | 0.7583% | 3,800 |
| Return on assets (ROA) | 0.7583% | 3,865 |
| Pretax return on assets | 0.8761% | 3,919 |
| Return on Equity (ROE) | 5.8023% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.8023% | 2,366 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3916% | 1,863 |
| Assets per employee ($millions) | 5.5542% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,384 |
| Loan loss allowance to noncurrent loans | 3,706.8966% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,416 |
| Noncurrent loans to loans | 0.0331% | 4,553 |
| Net loans and leases to total assets | 70.9171% | 2,404 |
| Net loans and leases to deposits | 91.7159% | 1,520 |
| Net loans and leases to core deposits | 102.3589% | 1,523 |
| Total domestic deposits to total assets | 77.3226% | 4,519 |
| Equity capital to assets | 13.1203% | 1,533 |
| Core capital (leverage) ratio | 13.0343% | 1,283 |
| Tier 1 risk-based capital ratio | 17.0085% | 2,087 |
| Total risk-based capital ratio | 18.2235% | 2,036 |
| Memoranda: | ||
| Average total assets | $120,535,330 | 3,751 |
| Average earning assets | $106,654,330 | 3,830 |
| Average equity | $15,752,330 | 3,607 |
| Average total loans | $86,113,330 | 3,550 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 2,632 |
| Cost of funding earning assets | 1.0550% | 1,358 |
| Net interest margin | 3.5167% | 3,553 |
| Noninterest income to average assets | 0.6215% | 1,953 |
| Noninterest expense to average assets | 2.8503% | 2,415 |
| Loan and lease loss provision to assets | 0.1136% | 1,558 |
| Net operating income to assets | 0.5747% | 4,317 |
| Return on assets (ROA) | 0.5747% | 4,351 |
| Pretax return on assets | 0.7652% | 4,132 |
| Return on Equity (ROE) | 4.4067% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.4067% | 3,168 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9857% | 1,499 |
| Assets per employee ($millions) | 5.2411% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,506 |
| Loan loss allowance to noncurrent loans | 3,466.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 4,112 |
| Noncurrent loans to loans | 0.0350% | 4,613 |
| Net loans and leases to total assets | 70.2280% | 2,448 |
| Net loans and leases to deposits | 89.1164% | 1,743 |
| Net loans and leases to core deposits | 103.0354% | 1,379 |
| Total domestic deposits to total assets | 78.8048% | 4,384 |
| Equity capital to assets | 13.0606% | 1,415 |
| Core capital (leverage) ratio | 12.8329% | 1,349 |
| Tier 1 risk-based capital ratio | 17.2924% | 2,016 |
| Total risk-based capital ratio | 18.5134% | 1,968 |
| Memoranda: | ||
| Average total assets | $119,707,000 | 3,810 |
| Average earning assets | $105,780,000 | 3,888 |
| Average equity | $15,612,500 | 3,629 |
| Average total loans | $85,305,000 | 3,591 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 3,012 |
| Cost of funding earning assets | 0.7674% | 1,700 |
| Net interest margin | 3.5609% | 3,511 |
| Noninterest income to average assets | 0.6614% | 2,007 |
| Noninterest expense to average assets | 2.9728% | 2,125 |
| Loan and lease loss provision to assets | 0.0952% | 2,253 |
| Net operating income to assets | 0.6240% | 4,349 |
| Return on assets (ROA) | 0.6240% | 4,361 |
| Pretax return on assets | 0.7608% | 4,271 |
| Return on Equity (ROE) | 4.8938% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.8938% | 2,830 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3757% | 1,195 |
| Assets per employee ($millions) | 5.1682% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,650 |
| Loan loss allowance to noncurrent loans | 3,143.7500% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 4,119 |
| Noncurrent loans to loans | 0.0377% | 4,594 |
| Net loans and leases to total assets | 70.5884% | 2,488 |
| Net loans and leases to deposits | 92.3161% | 1,505 |
| Net loans and leases to core deposits | 103.2231% | 1,487 |
| Total domestic deposits to total assets | 76.4638% | 4,694 |
| Equity capital to assets | 13.0237% | 1,332 |
| Core capital (leverage) ratio | 12.9833% | 1,260 |
| Tier 1 risk-based capital ratio | 17.3956% | 1,923 |
| Total risk-based capital ratio | 18.6003% | 1,896 |
| Memoranda: | ||
| Average total assets | $117,634,000 | 3,828 |
| Average earning assets | $104,637,600 | 3,902 |
| Average equity | $14,998,600 | 3,643 |
| Average total loans | $81,505,600 | 3,638 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 3,053 |
| Cost of funding earning assets | 0.7194% | 1,751 |
| Net interest margin | 3.5574% | 3,497 |
| Noninterest income to average assets | 0.6682% | 1,984 |
| Noninterest expense to average assets | 3.0104% | 1,992 |
| Loan and lease loss provision to assets | 0.0909% | 2,159 |
| Net operating income to assets | 0.5853% | 4,540 |
| Return on assets (ROA) | 0.5853% | 4,551 |
| Pretax return on assets | 0.7364% | 4,453 |
| Return on Equity (ROE) | 4.6152% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.6152% | 3,442 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0574% | 1,118 |
| Assets per employee ($millions) | 5.0264% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,697 |
| Loan loss allowance to noncurrent loans | 12,175.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 4,340 |
| Noncurrent loans to loans | 0.0098% | 4,886 |
| Net loans and leases to total assets | 70.1246% | 2,623 |
| Net loans and leases to deposits | 87.1532% | 2,247 |
| Net loans and leases to core deposits | 97.2272% | 1,999 |
| Total domestic deposits to total assets | 80.4614% | 4,003 |
| Equity capital to assets | 13.0018% | 1,338 |
| Core capital (leverage) ratio | 12.8900% | 1,331 |
| Tier 1 risk-based capital ratio | 17.4942% | 1,933 |
| Total risk-based capital ratio | 18.6869% | 1,907 |
| Memoranda: | ||
| Average total assets | $117,325,500 | 3,868 |
| Average earning assets | $104,531,500 | 3,947 |
| Average equity | $14,878,000 | 3,681 |
| Average total loans | $80,653,750 | 3,687 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,027 |
| Cost of funding earning assets | 0.6763% | 1,766 |
| Net interest margin | 3.5509% | 3,469 |
| Noninterest income to average assets | 0.6531% | 2,080 |
| Noninterest expense to average assets | 3.0416% | 1,934 |
| Loan and lease loss provision to assets | 0.1052% | 1,853 |
| Net operating income to assets | 0.5394% | 4,652 |
| Return on assets (ROA) | 0.5394% | 4,659 |
| Pretax return on assets | 0.6684% | 4,590 |
| Return on Equity (ROE) | 4.2895% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.2895% | 3,459 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3686% | 1,081 |
| Assets per employee ($millions) | 5.0925% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,774 |
| Loan loss allowance to noncurrent loans | 11,950.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,384 |
| Noncurrent loans to loans | 0.0100% | 4,910 |
| Net loans and leases to total assets | 67.6081% | 2,929 |
| Net loans and leases to deposits | 82.8084% | 2,684 |
| Net loans and leases to core deposits | 90.4623% | 2,532 |
| Total domestic deposits to total assets | 81.6440% | 3,829 |
| Equity capital to assets | 12.7262% | 1,427 |
| Core capital (leverage) ratio | 12.5622% | 1,402 |
| Tier 1 risk-based capital ratio | 17.9539% | 1,811 |
| Total risk-based capital ratio | 19.1731% | 1,783 |
| Memoranda: | ||
| Average total assets | $117,898,330 | 3,890 |
| Average earning assets | $104,988,000 | 3,968 |
| Average equity | $14,827,000 | 3,702 |
| Average total loans | $80,190,670 | 3,707 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 3,192 |
| Cost of funding earning assets | 0.6332% | 1,822 |
| Net interest margin | 3.4805% | 3,605 |
| Noninterest income to average assets | 0.6595% | 1,997 |
| Noninterest expense to average assets | 2.9117% | 2,318 |
| Loan and lease loss provision to assets | 0.2097% | 773 |
| Net operating income to assets | 0.3111% | 5,076 |
| Return on assets (ROA) | 0.3111% | 5,083 |
| Pretax return on assets | 0.6425% | 4,582 |
| Return on Equity (ROE) | 2.4892% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.4892% | 4,169 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9093% | 1,472 |
| Assets per employee ($millions) | 5.1397% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,035 |
| Loan loss allowance to noncurrent loans | 11,950.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 4,485 |
| Noncurrent loans to loans | 0.0097% | 4,966 |
| Net loans and leases to total assets | 68.8424% | 2,652 |
| Net loans and leases to deposits | 87.7261% | 1,966 |
| Net loans and leases to core deposits | 92.8169% | 2,234 |
| Total domestic deposits to total assets | 78.4743% | 4,654 |
| Equity capital to assets | 12.4962% | 1,489 |
| Core capital (leverage) ratio | 11.8247% | 1,762 |
| Tier 1 risk-based capital ratio | 15.9761% | 2,480 |
| Total risk-based capital ratio | 17.1195% | 2,469 |
| Memoranda: | ||
| Average total assets | $118,280,000 | 3,928 |
| Average earning assets | $105,503,500 | 3,997 |
| Average equity | $14,784,000 | 3,741 |
| Average total loans | $80,214,000 | 3,742 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,263 |
| Cost of funding earning assets | 0.5894% | 1,679 |
| Net interest margin | 3.7303% | 2,672 |
| Noninterest income to average assets | 0.8564% | 1,389 |
| Noninterest expense to average assets | 3.5042% | 1,027 |
| Loan and lease loss provision to assets | 0.0816% | 2,567 |
| Net operating income to assets | 0.4179% | 4,632 |
| Return on assets (ROA) | 0.4238% | 4,639 |
| Pretax return on assets | 0.5644% | 4,816 |
| Return on Equity (ROE) | 3.3122% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.3122% | 3,311 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5272% | 809 |
| Assets per employee ($millions) | 5.1456% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,090 |
| Loan loss allowance to noncurrent loans | 44,700.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,900 |
| Noncurrent loans to loans | 0.0026% | 5,059 |
| Net loans and leases to total assets | 65.2297% | 3,198 |
| Net loans and leases to deposits | 82.4554% | 2,675 |
| Net loans and leases to core deposits | 86.4092% | 2,883 |
| Total domestic deposits to total assets | 79.1091% | 4,523 |
| Equity capital to assets | 12.5021% | 1,519 |
| Core capital (leverage) ratio | 11.9746% | 1,613 |
| Tier 1 risk-based capital ratio | 17.3421% | 1,980 |
| Total risk-based capital ratio | 18.5081% | 1,962 |
| Memoranda: | ||
| Average total assets | $101,705,200 | 4,207 |
| Average earning assets | $89,589,800 | 4,296 |
| Average equity | $13,012,600 | 3,983 |
| Average total loans | $71,696,000 | 3,921 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 1,966 |
| Cost of funding earning assets | 0.5784% | 1,678 |
| Net interest margin | 3.8211% | 2,312 |
| Noninterest income to average assets | 0.9431% | 1,160 |
| Noninterest expense to average assets | 3.7602% | 712 |
| Loan and lease loss provision to assets | 0.0738% | 2,592 |
| Net operating income to assets | 0.3832% | 5,029 |
| Return on assets (ROA) | 0.3923% | 5,045 |
| Pretax return on assets | 0.4702% | 5,084 |
| Return on Equity (ROE) | 3.0450% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.0450% | 4,097 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4056% | 609 |
| Assets per employee ($millions) | 4.9779% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,276 |
| Loan loss allowance to noncurrent loans | 1,696.0784% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,777 |
| Noncurrent loans to loans | 0.0669% | 4,806 |
| Net loans and leases to total assets | 65.7810% | 3,133 |
| Net loans and leases to deposits | 83.9022% | 2,568 |
| Net loans and leases to core deposits | 88.9742% | 2,695 |
| Total domestic deposits to total assets | 78.4020% | 4,646 |
| Equity capital to assets | 12.8288% | 1,481 |
| Core capital (leverage) ratio | 12.1438% | 1,606 |
| Tier 1 risk-based capital ratio | 15.8928% | 2,550 |
| Total risk-based capital ratio | 16.9416% | 2,578 |
| Memoranda: | ||
| Average total assets | $97,544,500 | 4,320 |
| Average earning assets | $85,522,500 | 4,411 |
| Average equity | $12,566,750 | 4,089 |
| Average total loans | $70,097,000 | 3,992 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 1,330 |
| Cost of funding earning assets | 0.6507% | 1,136 |
| Net interest margin | 3.9191% | 1,865 |
| Noninterest income to average assets | 0.9620% | 1,108 |
| Noninterest expense to average assets | 4.1808% | 423 |
| Loan and lease loss provision to assets | 0.0392% | 3,229 |
| Net operating income to assets | 0.2503% | 5,321 |
| Return on assets (ROA) | 0.2677% | 5,310 |
| Pretax return on assets | 0.1806% | 5,446 |
| Return on Equity (ROE) | 2.0743% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.0743% | 4,424 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0417% | 308 |
| Assets per employee ($millions) | 4.8892% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,554 |
| Loan loss allowance to noncurrent loans | 1,151.3889% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,750 |
| Noncurrent loans to loans | 0.0961% | 4,743 |
| Net loans and leases to total assets | 65.9126% | 3,119 |
| Net loans and leases to deposits | 84.1861% | 2,447 |
| Net loans and leases to core deposits | 85.8536% | 2,893 |
| Total domestic deposits to total assets | 78.2938% | 4,774 |
| Equity capital to assets | 12.9122% | 1,414 |
| Core capital (leverage) ratio | 12.1037% | 1,581 |
| Tier 1 risk-based capital ratio | 17.1990% | 2,101 |
| Total risk-based capital ratio | 18.3031% | 2,096 |
| Memoranda: | ||
| Average total assets | $91,895,330 | 4,466 |
| Average earning assets | $80,221,670 | 4,530 |
| Average equity | $11,859,670 | 4,211 |
| Average total loans | $68,069,670 | 4,058 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,135 |
| Cost of funding earning assets | 0.6675% | 991 |
| Net interest margin | 3.9369% | 1,647 |
| Noninterest income to average assets | 0.8626% | 1,353 |
| Noninterest expense to average assets | 3.3964% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6028% | 4,152 |
| Return on assets (ROA) | 0.6028% | 4,205 |
| Pretax return on assets | 0.8773% | 3,843 |
| Return on Equity (ROE) | 4.6726% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.6726% | 3,073 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6697% | 1,537 |
| Assets per employee ($millions) | 4.2954% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,731 |
| Loan loss allowance to noncurrent loans | 1,622.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,754 |
| Noncurrent loans to loans | 0.0779% | 4,888 |
| Net loans and leases to total assets | 77.6222% | 1,178 |
| Net loans and leases to deposits | 103.0568% | 444 |
| Net loans and leases to core deposits | 108.4520% | 950 |
| Total domestic deposits to total assets | 75.3198% | 5,308 |
| Equity capital to assets | 12.9760% | 1,266 |
| Core capital (leverage) ratio | 12.6331% | 1,275 |
| Tier 1 risk-based capital ratio | 15.7191% | 2,655 |
| Total risk-based capital ratio | 16.9694% | 2,601 |
| Memoranda: | ||
| Average total assets | $81,617,000 | 4,683 |
| Average earning assets | $70,715,000 | 4,772 |
| Average equity | $10,529,500 | 4,461 |
| Average total loans | $64,630,000 | 4,167 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,425 |
| Cost of funding earning assets | 0.6380% | 1,122 |
| Net interest margin | 3.9015% | 1,962 |
| Noninterest income to average assets | 0.7734% | 1,864 |
| Noninterest expense to average assets | 3.0168% | 2,297 |
| Loan and lease loss provision to assets | 0.0863% | 2,638 |
| Net operating income to assets | 0.7539% | 3,519 |
| Return on assets (ROA) | 0.7539% | 3,639 |
| Pretax return on assets | 1.1576% | 2,862 |
| Return on Equity (ROE) | 6.0986% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.0986% | 1,657 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0342% | 2,897 |
| Assets per employee ($millions) | 4.2959% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,847 |
| Loan loss allowance to noncurrent loans | 1,329.5082% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 4,744 |
| Noncurrent loans to loans | 0.0937% | 4,863 |
| Net loans and leases to total assets | 78.7643% | 1,079 |
| Net loans and leases to deposits | 99.6018% | 692 |
| Net loans and leases to core deposits | 107.9798% | 1,021 |
| Total domestic deposits to total assets | 79.0792% | 4,778 |
| Equity capital to assets | 12.8262% | 1,337 |
| Core capital (leverage) ratio | 12.4897% | 1,337 |
| Tier 1 risk-based capital ratio | 15.4314% | 2,772 |
| Total risk-based capital ratio | 16.6819% | 2,711 |
| Memoranda: | ||
| Average total assets | $82,238,800 | 4,692 |
| Average earning assets | $73,509,400 | 4,727 |
| Average equity | $10,166,200 | 4,544 |
| Average total loans | $65,554,800 | 4,149 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 1,456 |
| Cost of funding earning assets | 0.6311% | 1,134 |
| Net interest margin | 3.8964% | 1,989 |
| Noninterest income to average assets | 0.7962% | 1,779 |
| Noninterest expense to average assets | 2.9953% | 2,331 |
| Loan and lease loss provision to assets | 0.0890% | 2,446 |
| Net operating income to assets | 0.7913% | 3,408 |
| Return on assets (ROA) | 0.7913% | 3,548 |
| Pretax return on assets | 1.2185% | 2,762 |
| Return on Equity (ROE) | 6.4613% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.4613% | 1,933 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8229% | 3,074 |
| Assets per employee ($millions) | 4.2922% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,980 |
| Loan loss allowance to noncurrent loans | 779.4118% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 4,669 |
| Noncurrent loans to loans | 0.1599% | 4,714 |
| Net loans and leases to total assets | 77.2572% | 1,316 |
| Net loans and leases to deposits | 98.7895% | 792 |
| Net loans and leases to core deposits | 108.4052% | 1,022 |
| Total domestic deposits to total assets | 78.2038% | 4,875 |
| Equity capital to assets | 12.6853% | 1,658 |
| Core capital (leverage) ratio | 12.1616% | 1,568 |
| Tier 1 risk-based capital ratio | 15.9206% | 2,662 |
| Total risk-based capital ratio | 17.1715% | 2,600 |
| Memoranda: | ||
| Average total assets | $82,393,000 | 4,721 |
| Average earning assets | $74,151,750 | 4,752 |
| Average equity | $10,090,500 | 4,601 |
| Average total loans | $65,668,500 | 4,176 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 1,543 |
| Cost of funding earning assets | 0.6300% | 1,142 |
| Net interest margin | 3.8602% | 2,110 |
| Noninterest income to average assets | 0.6991% | 2,147 |
| Noninterest expense to average assets | 2.9465% | 2,531 |
| Loan and lease loss provision to assets | 0.0943% | 2,270 |
| Net operating income to assets | 0.7378% | 3,618 |
| Return on assets (ROA) | 0.7378% | 3,779 |
| Pretax return on assets | 1.1418% | 3,029 |
| Return on Equity (ROE) | 6.0965% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.0965% | 2,072 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6356% | 3,039 |
| Assets per employee ($millions) | 4.6307% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,481 |
| Loan loss allowance to noncurrent loans | 1,527.4510% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 5,003 |
| Noncurrent loans to loans | 0.0771% | 5,141 |
| Net loans and leases to total assets | 78.4564% | 1,142 |
| Net loans and leases to deposits | 101.1633% | 619 |
| Net loans and leases to core deposits | 108.3793% | 1,016 |
| Total domestic deposits to total assets | 77.5542% | 5,077 |
| Equity capital to assets | 12.1953% | 1,975 |
| Core capital (leverage) ratio | 12.0479% | 1,596 |
| Tier 1 risk-based capital ratio | 14.9984% | 3,080 |
| Total risk-based capital ratio | 16.2321% | 3,031 |
| Memoranda: | ||
| Average total assets | $82,673,670 | 4,754 |
| Average earning assets | $74,607,670 | 4,791 |
| Average equity | $10,005,670 | 4,639 |
| Average total loans | $66,291,670 | 4,189 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 1,687 |
| Cost of funding earning assets | 0.6280% | 1,164 |
| Net interest margin | 3.8108% | 2,255 |
| Noninterest income to average assets | 0.7142% | 1,966 |
| Noninterest expense to average assets | 3.0024% | 2,384 |
| Loan and lease loss provision to assets | 0.0437% | 3,047 |
| Net operating income to assets | 0.6899% | 3,762 |
| Return on assets (ROA) | 0.6899% | 3,874 |
| Pretax return on assets | 1.1174% | 3,028 |
| Return on Equity (ROE) | 5.7223% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.7223% | 2,513 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2952% | 2,904 |
| Assets per employee ($millions) | 4.2770% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,823 |
| Loan loss allowance to noncurrent loans | 674.7748% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 5,026 |
| Noncurrent loans to loans | 0.1692% | 4,811 |
| Net loans and leases to total assets | 79.8002% | 844 |
| Net loans and leases to deposits | 101.9959% | 510 |
| Net loans and leases to core deposits | 109.9715% | 855 |
| Total domestic deposits to total assets | 78.2386% | 5,105 |
| Equity capital to assets | 12.3020% | 1,830 |
| Core capital (leverage) ratio | 11.9975% | 1,604 |
| Tier 1 risk-based capital ratio | 14.9839% | 3,171 |
| Total risk-based capital ratio | 16.1916% | 3,123 |
| Memoranda: | ||
| Average total assets | $82,334,500 | 4,804 |
| Average earning assets | $74,526,000 | 4,836 |
| Average equity | $9,926,000 | 4,670 |
| Average total loans | $66,350,500 | 4,210 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 1,991 |
| Cost of funding earning assets | 0.6268% | 1,200 |
| Net interest margin | 3.7454% | 2,575 |
| Noninterest income to average assets | 0.6935% | 2,235 |
| Noninterest expense to average assets | 3.0174% | 2,483 |
| Loan and lease loss provision to assets | 0.0731% | 2,808 |
| Net operating income to assets | 0.6367% | 4,104 |
| Return on assets (ROA) | 0.6367% | 4,186 |
| Pretax return on assets | 0.9846% | 3,528 |
| Return on Equity (ROE) | 5.7327% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.7327% | 1,938 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3068% | 2,693 |
| Assets per employee ($millions) | 4.3898% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 4,036 |
| Loan loss allowance to noncurrent loans | 678.8991% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 5,072 |
| Noncurrent loans to loans | 0.1624% | 4,842 |
| Net loans and leases to total assets | 79.5674% | 911 |
| Net loans and leases to deposits | 100.2084% | 661 |
| Net loans and leases to core deposits | 107.7968% | 984 |
| Total domestic deposits to total assets | 79.4020% | 4,888 |
| Equity capital to assets | 11.8157% | 2,098 |
| Core capital (leverage) ratio | 11.4524% | 2,001 |
| Tier 1 risk-based capital ratio | 14.5732% | 3,403 |
| Total risk-based capital ratio | 15.7489% | 3,358 |
| Memoranda: | ||
| Average total assets | $86,232,000 | 4,740 |
| Average earning assets | $77,855,000 | 4,767 |
| Average equity | $9,576,600 | 4,731 |
| Average total loans | $66,251,600 | 4,188 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,154 |
| Cost of funding earning assets | 0.6239% | 1,249 |
| Net interest margin | 3.7012% | 2,765 |
| Noninterest income to average assets | 0.6763% | 2,345 |
| Noninterest expense to average assets | 2.9553% | 2,661 |
| Loan and lease loss provision to assets | 0.0675% | 2,829 |
| Net operating income to assets | 0.6457% | 4,152 |
| Return on assets (ROA) | 0.6457% | 4,266 |
| Pretax return on assets | 0.9923% | 3,640 |
| Return on Equity (ROE) | 5.9043% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.9043% | 2,310 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9183% | 2,730 |
| Assets per employee ($millions) | 4.6644% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 4,329 |
| Loan loss allowance to noncurrent loans | 358.7065% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 4,801 |
| Noncurrent loans to loans | 0.3016% | 4,519 |
| Net loans and leases to total assets | 78.5145% | 1,022 |
| Net loans and leases to deposits | 102.9373% | 498 |
| Net loans and leases to core deposits | 112.3764% | 741 |
| Total domestic deposits to total assets | 76.2741% | 5,448 |
| Equity capital to assets | 11.5914% | 2,428 |
| Core capital (leverage) ratio | 11.2568% | 2,238 |
| Tier 1 risk-based capital ratio | 15.1765% | 3,198 |
| Total risk-based capital ratio | 16.3638% | 3,176 |
| Memoranda: | ||
| Average total assets | $86,938,500 | 4,790 |
| Average earning assets | $78,423,500 | 4,810 |
| Average equity | $9,507,000 | 4,807 |
| Average total loans | $66,038,500 | 4,239 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 2,221 |
| Cost of funding earning assets | 0.6241% | 1,264 |
| Net interest margin | 3.6588% | 2,877 |
| Noninterest income to average assets | 0.6573% | 2,434 |
| Noninterest expense to average assets | 2.9705% | 2,650 |
| Loan and lease loss provision to assets | 0.0751% | 2,611 |
| Net operating income to assets | 0.6005% | 4,344 |
| Return on assets (ROA) | 0.6005% | 4,444 |
| Pretax return on assets | 0.9052% | 3,939 |
| Return on Equity (ROE) | 5.5980% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.5980% | 2,469 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4963% | 2,616 |
| Assets per employee ($millions) | 4.8618% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,553 |
| Loan loss allowance to noncurrent loans | 440.9938% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,132 |
| Noncurrent loans to loans | 0.2399% | 4,801 |
| Net loans and leases to total assets | 75.8722% | 1,382 |
| Net loans and leases to deposits | 97.9726% | 797 |
| Net loans and leases to core deposits | 107.0176% | 1,025 |
| Total domestic deposits to total assets | 77.4422% | 5,383 |
| Equity capital to assets | 10.9275% | 2,963 |
| Core capital (leverage) ratio | 10.8191% | 2,594 |
| Tier 1 risk-based capital ratio | 14.1352% | 3,852 |
| Total risk-based capital ratio | 15.2430% | 3,864 |
| Memoranda: | ||
| Average total assets | $87,931,670 | 4,817 |
| Average earning assets | $79,151,330 | 4,844 |
| Average equity | $9,432,000 | 4,852 |
| Average total loans | $65,837,670 | 4,280 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 2,475 |
| Cost of funding earning assets | 0.6180% | 1,318 |
| Net interest margin | 3.5775% | 3,092 |
| Noninterest income to average assets | 0.5900% | 2,701 |
| Noninterest expense to average assets | 2.7638% | 3,370 |
| Loan and lease loss provision to assets | 0.0590% | 2,750 |
| Net operating income to assets | 0.5990% | 4,297 |
| Return on assets (ROA) | 0.5990% | 4,394 |
| Pretax return on assets | 0.9984% | 3,517 |
| Return on Equity (ROE) | 5.6371% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.6371% | 2,688 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6152% | 3,234 |
| Assets per employee ($millions) | 4.7379% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 4,715 |
| Loan loss allowance to noncurrent loans | 431.2500% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,199 |
| Noncurrent loans to loans | 0.2454% | 4,897 |
| Net loans and leases to total assets | 75.6399% | 1,261 |
| Net loans and leases to deposits | 95.5433% | 863 |
| Net loans and leases to core deposits | 102.3709% | 1,155 |
| Total domestic deposits to total assets | 79.1682% | 5,241 |
| Equity capital to assets | 11.0655% | 2,901 |
| Core capital (leverage) ratio | 10.4741% | 3,002 |
| Tier 1 risk-based capital ratio | 14.9049% | 3,482 |
| Total risk-based capital ratio | 16.0176% | 3,493 |
| Memoranda: | ||
| Average total assets | $88,141,000 | 4,856 |
| Average earning assets | $79,609,500 | 4,876 |
| Average equity | $9,366,500 | 4,903 |
| Average total loans | $65,202,500 | 4,321 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,328 |
| Cost of funding earning assets | 0.6700% | 1,266 |
| Net interest margin | 3.4301% | 4,065 |
| Noninterest income to average assets | 0.5547% | 3,150 |
| Noninterest expense to average assets | 2.7022% | 3,857 |
| Loan and lease loss provision to assets | 0.0917% | 2,630 |
| Net operating income to assets | 0.5400% | 4,636 |
| Return on assets (ROA) | 0.5400% | 4,725 |
| Pretax return on assets | 0.8615% | 4,032 |
| Return on Equity (ROE) | 5.2742% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.2742% | 2,416 |
| Net charge-offs to loans | 0.0131% | 4,631 |
| Credit loss provision to net charge-offs | 1,012.5000% | 267 |
| Earnings coverage of net charge-offs (x) | 105.2500% | 498 |
| Efficiency ratio | 72.9947% | 3,032 |
| Assets per employee ($millions) | 5.0555% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 4,865 |
| Loan loss allowance to noncurrent loans | 341.9192% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 5,153 |
| Noncurrent loans to loans | 0.3036% | 4,758 |
| Net loans and leases to total assets | 70.9129% | 2,093 |
| Net loans and leases to deposits | 89.8396% | 1,533 |
| Net loans and leases to core deposits | 96.9749% | 1,637 |
| Total domestic deposits to total assets | 78.9327% | 5,260 |
| Equity capital to assets | 10.2155% | 3,836 |
| Core capital (leverage) ratio | 9.9426% | 3,652 |
| Tier 1 risk-based capital ratio | 13.8701% | 4,193 |
| Total risk-based capital ratio | 14.9111% | 4,257 |
| Memoranda: | ||
| Average total assets | $88,335,400 | 4,884 |
| Average earning assets | $79,851,800 | 4,890 |
| Average equity | $9,044,000 | 4,965 |
| Average total loans | $60,898,600 | 4,461 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,568 |
| Cost of funding earning assets | 0.6797% | 1,258 |
| Net interest margin | 3.3683% | 4,368 |
| Noninterest income to average assets | 0.5384% | 3,270 |
| Noninterest expense to average assets | 2.7633% | 3,595 |
| Loan and lease loss provision to assets | 0.0593% | 3,179 |
| Net operating income to assets | 0.5034% | 4,861 |
| Return on assets (ROA) | 0.5034% | 4,924 |
| Pretax return on assets | 0.7680% | 4,471 |
| Return on Equity (ROE) | 4.9139% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.9139% | 3,147 |
| Net charge-offs to loans | 0.0134% | 4,286 |
| Credit loss provision to net charge-offs | 650.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 90.6650% | 635 |
| Efficiency ratio | 75.9848% | 2,493 |
| Assets per employee ($millions) | 4.9134% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 5,066 |
| Loan loss allowance to noncurrent loans | 1,355.3191% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 5,939 |
| Noncurrent loans to loans | 0.0761% | 5,722 |
| Net loans and leases to total assets | 69.0803% | 2,350 |
| Net loans and leases to deposits | 84.7520% | 2,064 |
| Net loans and leases to core deposits | 91.6284% | 2,064 |
| Total domestic deposits to total assets | 81.5088% | 4,654 |
| Equity capital to assets | 10.3480% | 3,738 |
| Core capital (leverage) ratio | 10.0582% | 3,588 |
| Tier 1 risk-based capital ratio | 14.3502% | 3,985 |
| Total risk-based capital ratio | 15.3811% | 4,059 |
| Memoranda: | ||
| Average total assets | $87,669,500 | 4,947 |
| Average earning assets | $79,444,250 | 4,953 |
| Average equity | $8,981,000 | 5,015 |
| Average total loans | $59,821,500 | 4,532 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,691 |
| Cost of funding earning assets | 0.6921% | 1,229 |
| Net interest margin | 3.3192% | 4,509 |
| Noninterest income to average assets | 0.5377% | 3,219 |
| Noninterest expense to average assets | 2.7982% | 3,517 |
| Loan and lease loss provision to assets | 0.0755% | 2,764 |
| Net operating income to assets | 0.4759% | 4,911 |
| Return on assets (ROA) | 0.4759% | 4,980 |
| Pretax return on assets | 0.6704% | 4,733 |
| Return on Equity (ROE) | 4.6616% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.6616% | 3,179 |
| Net charge-offs to loans | 0.0203% | 3,808 |
| Credit loss provision to net charge-offs | 550.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 868 |
| Efficiency ratio | 77.9858% | 2,293 |
| Assets per employee ($millions) | 4.6489% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,193 |
| Loan loss allowance to noncurrent loans | 1,190.5660% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,997 |
| Noncurrent loans to loans | 0.0868% | 5,761 |
| Net loans and leases to total assets | 68.4196% | 2,342 |
| Net loans and leases to deposits | 81.3907% | 2,335 |
| Net loans and leases to core deposits | 88.3721% | 2,275 |
| Total domestic deposits to total assets | 84.0632% | 3,902 |
| Equity capital to assets | 10.2253% | 3,796 |
| Core capital (leverage) ratio | 9.9241% | 3,714 |
| Tier 1 risk-based capital ratio | 14.2208% | 4,115 |
| Total risk-based capital ratio | 15.2479% | 4,200 |
| Memoranda: | ||
| Average total assets | $87,412,000 | 4,990 |
| Average earning assets | $79,175,670 | 5,002 |
| Average equity | $8,924,000 | 5,048 |
| Average total loans | $59,184,330 | 4,578 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 4,001 |
| Cost of funding earning assets | 0.7065% | 1,208 |
| Net interest margin | 3.2173% | 4,874 |
| Noninterest income to average assets | 0.4416% | 3,855 |
| Noninterest expense to average assets | 2.6451% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4232% | 5,030 |
| Return on assets (ROA) | 0.4232% | 5,094 |
| Pretax return on assets | 0.7084% | 4,463 |
| Return on Equity (ROE) | 4.1488% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.1488% | 3,642 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0521% | 2,469 |
| Assets per employee ($millions) | 4.6293% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 5,322 |
| Loan loss allowance to noncurrent loans | 915.1515% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,025 |
| Noncurrent loans to loans | 0.1146% | 5,783 |
| Net loans and leases to total assets | 64.8078% | 2,760 |
| Net loans and leases to deposits | 75.6560% | 2,849 |
| Net loans and leases to core deposits | 88.6613% | 2,032 |
| Total domestic deposits to total assets | 85.6612% | 3,527 |
| Equity capital to assets | 10.1402% | 3,673 |
| Core capital (leverage) ratio | 9.8347% | 3,814 |
| Tier 1 risk-based capital ratio | 14.6878% | 3,892 |
| Total risk-based capital ratio | 15.7168% | 3,983 |
| Memoranda: | ||
| Average total assets | $86,953,000 | 5,046 |
| Average earning assets | $78,698,500 | 5,058 |
| Average equity | $8,870,000 | 5,087 |
| Average total loans | $58,243,500 | 4,646 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 3,345 |
| Cost of funding earning assets | 0.8266% | 1,056 |
| Net interest margin | 3.3752% | 4,383 |
| Noninterest income to average assets | 0.5247% | 3,595 |
| Noninterest expense to average assets | 2.8916% | 3,395 |
| Loan and lease loss provision to assets | 0.0273% | 4,584 |
| Net operating income to assets | 0.3597% | 5,298 |
| Return on assets (ROA) | 0.3597% | 5,413 |
| Pretax return on assets | 0.6303% | 4,771 |
| Return on Equity (ROE) | 3.4878% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.4878% | 3,743 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3679% | 2,093 |
| Assets per employee ($millions) | 4.5236% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 5,439 |
| Loan loss allowance to noncurrent loans | 287.6190% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 5,337 |
| Noncurrent loans to loans | 0.3567% | 5,119 |
| Net loans and leases to total assets | 67.8030% | 2,387 |
| Net loans and leases to deposits | 80.3386% | 2,413 |
| Net loans and leases to core deposits | 91.4392% | 1,853 |
| Total domestic deposits to total assets | 84.3966% | 4,019 |
| Equity capital to assets | 10.2631% | 3,433 |
| Core capital (leverage) ratio | 9.9435% | 3,649 |
| Tier 1 risk-based capital ratio | 14.4261% | 4,000 |
| Total risk-based capital ratio | 15.4492% | 4,098 |
| Memoranda: | ||
| Average total assets | $84,244,600 | 5,136 |
| Average earning assets | $75,492,400 | 5,166 |
| Average equity | $8,687,400 | 5,166 |
| Average total loans | $56,351,800 | 4,738 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 3,197 |
| Cost of funding earning assets | 0.8477% | 1,063 |
| Net interest margin | 3.4032% | 4,274 |
| Noninterest income to average assets | 0.5217% | 3,658 |
| Noninterest expense to average assets | 2.9046% | 3,292 |
| Loan and lease loss provision to assets | 0.0191% | 4,630 |
| Net operating income to assets | 0.4199% | 5,160 |
| Return on assets (ROA) | 0.4199% | 5,308 |
| Pretax return on assets | 0.6442% | 4,868 |
| Return on Equity (ROE) | 4.0674% | 5,192 |
| Retained earnings to average equity (ytd only) | 4.0674% | 3,797 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2497% | 2,057 |
| Assets per employee ($millions) | 4.3966% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,522 |
| Loan loss allowance to noncurrent loans | 317.1123% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 5,103 |
| Noncurrent loans to loans | 0.3316% | 5,392 |
| Net loans and leases to total assets | 66.7916% | 2,499 |
| Net loans and leases to deposits | 79.5390% | 2,475 |
| Net loans and leases to core deposits | 89.1337% | 2,059 |
| Total domestic deposits to total assets | 83.9734% | 4,196 |
| Equity capital to assets | 10.5128% | 3,260 |
| Core capital (leverage) ratio | 10.1774% | 3,431 |
| Tier 1 risk-based capital ratio | 14.1974% | 4,286 |
| Total risk-based capital ratio | 15.1913% | 4,423 |
| Memoranda: | ||
| Average total assets | $83,818,500 | 5,195 |
| Average earning assets | $75,025,500 | 5,224 |
| Average equity | $8,654,000 | 5,225 |
| Average total loans | $55,719,750 | 4,799 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 3,129 |
| Cost of funding earning assets | 0.8646% | 1,064 |
| Net interest margin | 3.3920% | 4,214 |
| Noninterest income to average assets | 0.5339% | 3,613 |
| Noninterest expense to average assets | 2.9459% | 3,184 |
| Loan and lease loss provision to assets | 0.0191% | 4,511 |
| Net operating income to assets | 0.4243% | 5,130 |
| Return on assets (ROA) | 0.4243% | 5,285 |
| Pretax return on assets | 0.6078% | 4,988 |
| Return on Equity (ROE) | 4.1341% | 5,160 |
| Retained earnings to average equity (ytd only) | 4.1341% | 3,657 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1207% | 2,010 |
| Assets per employee ($millions) | 4.6141% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,715 |
| Loan loss allowance to noncurrent loans | 387.5000% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 5,273 |
| Noncurrent loans to loans | 0.2652% | 5,650 |
| Net loans and leases to total assets | 68.2949% | 2,181 |
| Net loans and leases to deposits | 84.1970% | 1,774 |
| Net loans and leases to core deposits | 89.1826% | 1,986 |
| Total domestic deposits to total assets | 81.1133% | 5,311 |
| Equity capital to assets | 10.4704% | 3,342 |
| Core capital (leverage) ratio | 10.1263% | 3,328 |
| Tier 1 risk-based capital ratio | 13.4233% | 4,821 |
| Total risk-based capital ratio | 14.3670% | 4,998 |
| Memoranda: | ||
| Average total assets | $83,912,670 | 5,224 |
| Average earning assets | $75,176,000 | 5,247 |
| Average equity | $8,611,330 | 5,273 |
| Average total loans | $55,497,000 | 4,830 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,472 |
| Cost of funding earning assets | 0.8744% | 1,119 |
| Net interest margin | 3.2855% | 4,572 |
| Noninterest income to average assets | 0.6165% | 3,044 |
| Noninterest expense to average assets | 2.7080% | 4,026 |
| Loan and lease loss provision to assets | 0.0237% | 4,171 |
| Net operating income to assets | 0.4837% | 4,759 |
| Return on assets (ROA) | 0.4837% | 4,915 |
| Pretax return on assets | 0.8252% | 4,064 |
| Return on Equity (ROE) | 4.7613% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.7613% | 3,381 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2667% | 3,224 |
| Assets per employee ($millions) | 4.6609% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,701 |
| Loan loss allowance to noncurrent loans | 383.0065% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 5,267 |
| Noncurrent loans to loans | 0.2801% | 5,701 |
| Net loans and leases to total assets | 64.4123% | 2,628 |
| Net loans and leases to deposits | 75.6323% | 2,693 |
| Net loans and leases to core deposits | 82.0803% | 2,558 |
| Total domestic deposits to total assets | 85.1651% | 3,961 |
| Equity capital to assets | 10.2745% | 3,826 |
| Core capital (leverage) ratio | 9.9256% | 3,498 |
| Tier 1 risk-based capital ratio | 13.7624% | 4,687 |
| Total risk-based capital ratio | 14.7346% | 4,842 |
| Memoranda: | ||
| Average total assets | $84,342,500 | 5,253 |
| Average earning assets | $75,484,000 | 5,282 |
| Average equity | $8,569,000 | 5,341 |
| Average total loans | $54,590,500 | 4,898 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 3,209 |
| Cost of funding earning assets | 1.0666% | 1,044 |
| Net interest margin | 3.4835% | 4,571 |
| Noninterest income to average assets | 0.6836% | 2,813 |
| Noninterest expense to average assets | 2.7924% | 4,046 |
| Loan and lease loss provision to assets | 0.1375% | 3,902 |
| Net operating income to assets | 0.5535% | 4,460 |
| Return on assets (ROA) | 0.5535% | 4,713 |
| Pretax return on assets | 0.8557% | 4,082 |
| Return on Equity (ROE) | 5.4124% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.4124% | 2,437 |
| Net charge-offs to loans | 0.0038% | 5,927 |
| Credit loss provision to net charge-offs | 5,550.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 100 |
| Efficiency ratio | 73.7651% | 3,101 |
| Assets per employee ($millions) | 4.9875% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 5,693 |
| Loan loss allowance to noncurrent loans | 409.1549% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 5,588 |
| Noncurrent loans to loans | 0.2603% | 5,833 |
| Net loans and leases to total assets | 63.6576% | 2,957 |
| Net loans and leases to deposits | 79.5174% | 2,354 |
| Net loans and leases to core deposits | 84.2462% | 2,523 |
| Total domestic deposits to total assets | 80.0550% | 5,647 |
| Equity capital to assets | 10.0462% | 4,109 |
| Core capital (leverage) ratio | 9.6905% | 3,818 |
| Tier 1 risk-based capital ratio | 13.4552% | 4,785 |
| Total risk-based capital ratio | 14.4104% | 4,936 |
| Memoranda: | ||
| Average total assets | $80,754,800 | 5,333 |
| Average earning assets | $71,911,200 | 5,375 |
| Average equity | $8,258,800 | 5,430 |
| Average total loans | $52,541,200 | 4,997 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 3,176 |
| Cost of funding earning assets | 1.0999% | 1,064 |
| Net interest margin | 3.5063% | 4,618 |
| Noninterest income to average assets | 0.5985% | 3,284 |
| Noninterest expense to average assets | 2.7486% | 4,180 |
| Loan and lease loss provision to assets | 0.1689% | 3,430 |
| Net operating income to assets | 0.5016% | 4,840 |
| Return on assets (ROA) | 0.5016% | 5,103 |
| Pretax return on assets | 0.8042% | 4,466 |
| Return on Equity (ROE) | 4.8815% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.8815% | 3,451 |
| Net charge-offs to loans | 0.0051% | 5,683 |
| Credit loss provision to net charge-offs | 5,050.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 290.6292% | 159 |
| Efficiency ratio | 73.8544% | 3,010 |
| Assets per employee ($millions) | 4.7161% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,848 |
| Loan loss allowance to noncurrent loans | 266.8224% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 5,592 |
| Noncurrent loans to loans | 0.3980% | 5,660 |
| Net loans and leases to total assets | 66.3478% | 2,584 |
| Net loans and leases to deposits | 81.7511% | 2,156 |
| Net loans and leases to core deposits | 86.1774% | 2,439 |
| Total domestic deposits to total assets | 81.1582% | 5,312 |
| Equity capital to assets | 10.4437% | 3,908 |
| Core capital (leverage) ratio | 10.0487% | 3,475 |
| Tier 1 risk-based capital ratio | 14.1101% | 4,448 |
| Total risk-based capital ratio | 15.1145% | 4,595 |
| Memoranda: | ||
| Average total assets | $79,746,500 | 5,411 |
| Average earning assets | $71,032,000 | 5,458 |
| Average equity | $8,194,000 | 5,497 |
| Average total loans | $52,037,750 | 5,073 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 3,450 |
| Cost of funding earning assets | 1.1133% | 1,160 |
| Net interest margin | 3.4641% | 4,825 |
| Noninterest income to average assets | 0.5351% | 3,685 |
| Noninterest expense to average assets | 2.8441% | 3,857 |
| Loan and lease loss provision to assets | 0.1507% | 3,643 |
| Net operating income to assets | 0.3543% | 5,409 |
| Return on assets (ROA) | 0.3543% | 5,632 |
| Pretax return on assets | 0.6206% | 5,067 |
| Return on Equity (ROE) | 3.4668% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.4668% | 4,290 |
| Net charge-offs to loans | 0.0039% | 5,455 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 135 |
| Efficiency ratio | 78.6657% | 2,376 |
| Assets per employee ($millions) | 4.8130% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 6,085 |
| Loan loss allowance to noncurrent loans | 312.3529% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 5,454 |
| Noncurrent loans to loans | 0.3255% | 5,902 |
| Net loans and leases to total assets | 63.1794% | 3,203 |
| Net loans and leases to deposits | 74.5483% | 3,200 |
| Net loans and leases to core deposits | 79.2816% | 3,326 |
| Total domestic deposits to total assets | 84.7496% | 3,974 |
| Equity capital to assets | 10.0414% | 4,274 |
| Core capital (leverage) ratio | 9.9148% | 3,543 |
| Tier 1 risk-based capital ratio | 14.4367% | 4,148 |
| Total risk-based capital ratio | 15.3830% | 4,320 |
| Memoranda: | ||
| Average total assets | $79,604,330 | 5,448 |
| Average earning assets | $70,783,330 | 5,498 |
| Average equity | $8,134,330 | 5,530 |
| Average total loans | $51,462,330 | 5,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 4,052 |
| Cost of funding earning assets | 1.1262% | 1,270 |
| Net interest margin | 3.3386% | 5,339 |
| Noninterest income to average assets | 0.3720% | 4,886 |
| Noninterest expense to average assets | 2.6091% | 4,782 |
| Loan and lease loss provision to assets | 0.1936% | 3,009 |
| Net operating income to assets | 0.1885% | 6,017 |
| Return on assets (ROA) | 0.1885% | 6,160 |
| Pretax return on assets | 0.5453% | 5,304 |
| Return on Equity (ROE) | 1.8286% | 6,123 |
| Retained earnings to average equity (ytd only) | 1.8286% | 5,332 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9300% | 2,506 |
| Assets per employee ($millions) | 4.6951% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 6,387 |
| Loan loss allowance to noncurrent loans | 172.5424% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 5,113 |
| Noncurrent loans to loans | 0.5568% | 5,548 |
| Net loans and leases to total assets | 65.7354% | 2,512 |
| Net loans and leases to deposits | 77.7834% | 2,549 |
| Net loans and leases to core deposits | 86.2308% | 2,266 |
| Total domestic deposits to total assets | 84.5108% | 4,267 |
| Equity capital to assets | 10.1632% | 3,896 |
| Core capital (leverage) ratio | 10.0325% | 3,326 |
| Tier 1 risk-based capital ratio | 14.2870% | 4,252 |
| Total risk-based capital ratio | 15.1965% | 4,476 |
| Memoranda: | ||
| Average total assets | $78,496,000 | 5,528 |
| Average earning assets | $69,968,500 | 5,565 |
| Average equity | $8,093,500 | 5,561 |
| Average total loans | $51,081,000 | 5,184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 4,880 |
| Cost of funding earning assets | 1.3218% | 1,385 |
| Net interest margin | 3.2263% | 6,023 |
| Noninterest income to average assets | 0.7574% | 2,297 |
| Noninterest expense to average assets | 2.9007% | 3,955 |
| Loan and lease loss provision to assets | -0.0013% | 7,202 |
| Net operating income to assets | 0.4555% | 4,610 |
| Return on assets (ROA) | 0.4555% | 4,824 |
| Pretax return on assets | 0.7040% | 4,312 |
| Return on Equity (ROE) | 4.4334% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.4334% | 3,017 |
| Net charge-offs to loans | -0.0269% | 6,991 |
| Credit loss provision to net charge-offs | 7.6923% | 6,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4261% | 2,252 |
| Assets per employee ($millions) | 4.5397% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,371 |
| Loan loss allowance to noncurrent loans | 258.7912% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 5,065 |
| Noncurrent loans to loans | 0.3700% | 5,982 |
| Net loans and leases to total assets | 63.1215% | 3,377 |
| Net loans and leases to deposits | 77.5454% | 2,913 |
| Net loans and leases to core deposits | 84.0157% | 2,889 |
| Total domestic deposits to total assets | 81.3994% | 5,324 |
| Equity capital to assets | 10.4632% | 3,575 |
| Core capital (leverage) ratio | 10.3203% | 2,944 |
| Tier 1 risk-based capital ratio | 15.1718% | 3,531 |
| Total risk-based capital ratio | 16.0704% | 3,727 |
| Memoranda: | ||
| Average total assets | $76,842,200 | 5,539 |
| Average earning assets | $67,785,600 | 5,621 |
| Average equity | $7,894,600 | 5,601 |
| Average total loans | $48,258,400 | 5,334 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 4,957 |
| Cost of funding earning assets | 1.3495% | 1,455 |
| Net interest margin | 3.2289% | 6,084 |
| Noninterest income to average assets | 0.7295% | 2,419 |
| Noninterest expense to average assets | 2.9390% | 3,781 |
| Loan and lease loss provision to assets | -0.0017% | 7,287 |
| Net operating income to assets | 0.4464% | 4,798 |
| Return on assets (ROA) | 0.4464% | 4,991 |
| Pretax return on assets | 0.6392% | 4,687 |
| Return on Equity (ROE) | 4.3654% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.3654% | 3,623 |
| Net charge-offs to loans | -0.0361% | 6,996 |
| Credit loss provision to net charge-offs | 7.6923% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0787% | 1,960 |
| Assets per employee ($millions) | 4.4936% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,404 |
| Loan loss allowance to noncurrent loans | 175.0929% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 5,109 |
| Noncurrent loans to loans | 0.5511% | 5,765 |
| Net loans and leases to total assets | 63.2828% | 3,458 |
| Net loans and leases to deposits | 74.6068% | 3,573 |
| Net loans and leases to core deposits | 80.3574% | 3,585 |
| Total domestic deposits to total assets | 84.8217% | 3,862 |
| Equity capital to assets | 10.4487% | 3,769 |
| Core capital (leverage) ratio | 10.3031% | 3,080 |
| Tier 1 risk-based capital ratio | 15.0614% | 3,626 |
| Total risk-based capital ratio | 15.9642% | 3,806 |
| Memoranda: | ||
| Average total assets | $76,759,000 | 5,585 |
| Average earning assets | $67,679,500 | 5,660 |
| Average equity | $7,849,500 | 5,645 |
| Average total loans | $48,026,750 | 5,383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 4,942 |
| Cost of funding earning assets | 1.3702% | 1,548 |
| Net interest margin | 3.2347% | 6,049 |
| Noninterest income to average assets | 0.7544% | 2,242 |
| Noninterest expense to average assets | 3.0150% | 3,578 |
| Loan and lease loss provision to assets | -0.0026% | 7,356 |
| Net operating income to assets | 0.4006% | 4,938 |
| Return on assets (ROA) | 0.4006% | 5,096 |
| Pretax return on assets | 0.5853% | 4,789 |
| Return on Equity (ROE) | 3.9460% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.9460% | 3,682 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7310% | 1,848 |
| Assets per employee ($millions) | 4.6129% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 6,396 |
| Loan loss allowance to noncurrent loans | 318.2432% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 5,357 |
| Noncurrent loans to loans | 0.3093% | 6,302 |
| Net loans and leases to total assets | 60.4195% | 4,198 |
| Net loans and leases to deposits | 70.8596% | 4,315 |
| Net loans and leases to core deposits | 76.3606% | 4,262 |
| Total domestic deposits to total assets | 85.2665% | 3,744 |
| Equity capital to assets | 10.0472% | 4,081 |
| Core capital (leverage) ratio | 9.9036% | 3,383 |
| Tier 1 risk-based capital ratio | 14.6764% | 3,683 |
| Total risk-based capital ratio | 15.5679% | 3,902 |
| Memoranda: | ||
| Average total assets | $76,881,330 | 5,624 |
| Average earning assets | $67,579,330 | 5,712 |
| Average equity | $7,805,330 | 5,670 |
| Average total loans | $47,764,330 | 5,448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 5,035 |
| Cost of funding earning assets | 1.4286% | 1,474 |
| Net interest margin | 3.1502% | 6,217 |
| Noninterest income to average assets | 0.7200% | 2,454 |
| Noninterest expense to average assets | 2.7328% | 4,709 |
| Loan and lease loss provision to assets | -0.0053% | 7,440 |
| Net operating income to assets | 0.4888% | 4,528 |
| Return on assets (ROA) | 0.4888% | 4,615 |
| Pretax return on assets | 0.7620% | 4,048 |
| Return on Equity (ROE) | 4.7886% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.7886% | 3,308 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1627% | 2,822 |
| Assets per employee ($millions) | 5.0319% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 6,448 |
| Loan loss allowance to noncurrent loans | 359.5420% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 5,631 |
| Noncurrent loans to loans | 0.2744% | 6,443 |
| Net loans and leases to total assets | 62.6169% | 3,735 |
| Net loans and leases to deposits | 73.7777% | 3,791 |
| Net loans and leases to core deposits | 79.7792% | 3,786 |
| Total domestic deposits to total assets | 84.8724% | 4,095 |
| Equity capital to assets | 10.3540% | 3,346 |
| Core capital (leverage) ratio | 10.2065% | 2,922 |
| Tier 1 risk-based capital ratio | 14.7611% | 3,573 |
| Total risk-based capital ratio | 15.6651% | 3,755 |
| Memoranda: | ||
| Average total assets | $76,112,000 | 5,698 |
| Average earning assets | $66,916,500 | 5,769 |
| Average equity | $7,768,500 | 5,686 |
| Average total loans | $47,720,500 | 5,488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 5,578 |
| Cost of funding earning assets | 1.6915% | 1,644 |
| Net interest margin | 3.0694% | 6,598 |
| Noninterest income to average assets | 0.7406% | 2,589 |
| Noninterest expense to average assets | 2.8139% | 4,544 |
| Loan and lease loss provision to assets | 0.0241% | 6,881 |
| Net operating income to assets | 0.3639% | 4,696 |
| Return on assets (ROA) | 0.4144% | 4,619 |
| Pretax return on assets | 0.6764% | 4,062 |
| Return on Equity (ROE) | 4.0941% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.0941% | 2,993 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7510% | 2,196 |
| Assets per employee ($millions) | 5.1164% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 6,440 |
| Loan loss allowance to noncurrent loans | 213.1222% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 5,393 |
| Noncurrent loans to loans | 0.4632% | 6,117 |
| Net loans and leases to total assets | 61.5498% | 4,386 |
| Net loans and leases to deposits | 74.5463% | 4,107 |
| Net loans and leases to core deposits | 81.1493% | 4,037 |
| Total domestic deposits to total assets | 82.5659% | 4,987 |
| Equity capital to assets | 10.0618% | 3,671 |
| Core capital (leverage) ratio | 9.9127% | 3,190 |
| Tier 1 risk-based capital ratio | 14.5298% | 3,524 |
| Total risk-based capital ratio | 15.4308% | 3,706 |
| Memoranda: | ||
| Average total assets | $74,808,000 | 5,745 |
| Average earning assets | $65,681,400 | 5,810 |
| Average equity | $7,571,800 | 5,854 |
| Average total loans | $45,560,000 | 5,680 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 5,556 |
| Cost of funding earning assets | 1.7412% | 1,669 |
| Net interest margin | 3.0852% | 6,652 |
| Noninterest income to average assets | 0.7176% | 2,721 |
| Noninterest expense to average assets | 2.8541% | 4,264 |
| Loan and lease loss provision to assets | 0.0323% | 6,750 |
| Net operating income to assets | 0.3877% | 4,805 |
| Return on assets (ROA) | 0.4628% | 4,661 |
| Pretax return on assets | 0.6548% | 4,409 |
| Return on Equity (ROE) | 4.5657% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.5657% | 3,296 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9243% | 1,958 |
| Assets per employee ($millions) | 5.1023% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 6,052 |
| Loan loss allowance to noncurrent loans | 282.0359% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,733 |
| Noncurrent loans to loans | 0.3806% | 6,430 |
| Net loans and leases to total assets | 56.7147% | 5,455 |
| Net loans and leases to deposits | 66.8937% | 5,560 |
| Net loans and leases to core deposits | 74.2948% | 5,259 |
| Total domestic deposits to total assets | 84.7832% | 3,735 |
| Equity capital to assets | 10.0243% | 4,132 |
| Core capital (leverage) ratio | 9.8712% | 3,403 |
| Tier 1 risk-based capital ratio | 15.3821% | 3,054 |
| Total risk-based capital ratio | 16.3427% | 3,195 |
| Memoranda: | ||
| Average total assets | $74,323,500 | 5,826 |
| Average earning assets | $65,471,500 | 5,880 |
| Average equity | $7,534,250 | 5,932 |
| Average total loans | $45,023,000 | 5,779 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 5,554 |
| Cost of funding earning assets | 1.7734% | 1,747 |
| Net interest margin | 3.0927% | 6,625 |
| Noninterest income to average assets | 0.6985% | 2,715 |
| Noninterest expense to average assets | 2.9136% | 4,026 |
| Loan and lease loss provision to assets | 0.0489% | 6,478 |
| Net operating income to assets | 0.3411% | 5,013 |
| Return on assets (ROA) | 0.3533% | 5,122 |
| Pretax return on assets | 0.4729% | 4,993 |
| Return on Equity (ROE) | 3.4721% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.4721% | 3,892 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0556% | 1,812 |
| Assets per employee ($millions) | 4.7526% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,359 |
| Loan loss allowance to noncurrent loans | 58.8015% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 4,902 |
| Noncurrent loans to loans | 1.7166% | 4,111 |
| Net loans and leases to total assets | 60.7435% | 4,920 |
| Net loans and leases to deposits | 71.2347% | 5,112 |
| Net loans and leases to core deposits | 76.9987% | 5,081 |
| Total domestic deposits to total assets | 85.2724% | 3,481 |
| Equity capital to assets | 9.9289% | 4,101 |
| Core capital (leverage) ratio | 9.7615% | 3,457 |
| Tier 1 risk-based capital ratio | 14.4761% | 3,459 |
| Total risk-based capital ratio | 15.3963% | 3,592 |
| Memoranda: | ||
| Average total assets | $73,586,670 | 5,885 |
| Average earning assets | $64,732,670 | 5,934 |
| Average equity | $7,488,330 | 5,973 |
| Average total loans | $45,405,000 | 5,797 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 5,544 |
| Cost of funding earning assets | 1.8352% | 1,720 |
| Net interest margin | 3.0482% | 6,714 |
| Noninterest income to average assets | 0.5528% | 3,632 |
| Noninterest expense to average assets | 2.6700% | 5,062 |
| Loan and lease loss provision to assets | 0.0498% | 6,163 |
| Net operating income to assets | 0.3049% | 5,284 |
| Return on assets (ROA) | 0.3261% | 5,315 |
| Pretax return on assets | 0.5473% | 4,794 |
| Return on Equity (ROE) | 3.1646% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.1646% | 4,246 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3932% | 2,223 |
| Assets per employee ($millions) | 4.6076% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 6,042 |
| Loan loss allowance to noncurrent loans | 62.5782% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.1598% | 4,851 |
| Noncurrent loans to loans | 1.7466% | 4,130 |
| Net loans and leases to total assets | 61.3752% | 4,884 |
| Net loans and leases to deposits | 71.6104% | 5,106 |
| Net loans and leases to core deposits | 78.2996% | 4,990 |
| Total domestic deposits to total assets | 85.7071% | 3,310 |
| Equity capital to assets | 10.1530% | 3,665 |
| Core capital (leverage) ratio | 9.9698% | 3,202 |
| Tier 1 risk-based capital ratio | 14.8871% | 3,159 |
| Total risk-based capital ratio | 15.9018% | 3,256 |
| Memoranda: | ||
| Average total assets | $72,359,500 | 5,988 |
| Average earning assets | $63,644,000 | 6,037 |
| Average equity | $7,457,500 | 6,032 |
| Average total loans | $44,777,000 | 5,897 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3681% | 4,845 |
| Cost of funding earning assets | 2.1365% | 2,299 |
| Net interest margin | 3.2316% | 5,986 |
| Noninterest income to average assets | 0.7963% | 2,421 |
| Noninterest expense to average assets | 2.7148% | 5,320 |
| Loan and lease loss provision to assets | 0.0538% | 7,025 |
| Net operating income to assets | 0.7543% | 2,700 |
| Return on assets (ROA) | 0.8289% | 2,506 |
| Pretax return on assets | 1.0216% | 2,519 |
| Return on Equity (ROE) | 8.1775% | 2,298 |
| Retained earnings to average equity (ytd only) | 8.1775% | 654 |
| Net charge-offs to loans | 0.0066% | 7,146 |
| Credit loss provision to net charge-offs | 1,266.6667% | 242 |
| Earnings coverage of net charge-offs (x) | 231.3333% | 123 |
| Efficiency ratio | 73.3333% | 4,028 |
| Assets per employee ($millions) | 4.4373% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,776 |
| Loan loss allowance to noncurrent loans | 65.9091% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 4,992 |
| Noncurrent loans to loans | 1.7075% | 4,079 |
| Net loans and leases to total assets | 61.0082% | 5,191 |
| Net loans and leases to deposits | 71.6419% | 5,377 |
| Net loans and leases to core deposits | 92.1535% | 4,867 |
| Total domestic deposits to total assets | 85.1571% | 3,481 |
| Equity capital to assets | 10.4652% | 3,223 |
| Core capital (leverage) ratio | 10.2731% | 2,807 |
| Tier 1 risk-based capital ratio | 15.0322% | 2,918 |
| Total risk-based capital ratio | 16.0505% | 2,999 |
| Memoranda: | ||
| Average total assets | $70,575,200 | 5,984 |
| Average earning assets | $63,373,800 | 6,021 |
| Average equity | $7,153,800 | 6,219 |
| Average total loans | $45,296,200 | 5,861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 4,993 |
| Cost of funding earning assets | 2.1803% | 2,493 |
| Net interest margin | 3.2109% | 5,973 |
| Noninterest income to average assets | 0.8419% | 2,237 |
| Noninterest expense to average assets | 2.7207% | 5,245 |
| Loan and lease loss provision to assets | 0.0719% | 6,636 |
| Net operating income to assets | 0.7293% | 3,099 |
| Return on assets (ROA) | 0.8041% | 2,863 |
| Pretax return on assets | 1.0539% | 2,724 |
| Return on Equity (ROE) | 7.9982% | 2,636 |
| Retained earnings to average equity (ytd only) | 7.9982% | 1,136 |
| Net charge-offs to loans | 0.0088% | 6,832 |
| Credit loss provision to net charge-offs | 1,266.6667% | 299 |
| Earnings coverage of net charge-offs (x) | 180.9950% | 215 |
| Efficiency ratio | 72.4886% | 4,151 |
| Assets per employee ($millions) | 4.1294% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,745 |
| Loan loss allowance to noncurrent loans | 74.5068% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 5,194 |
| Noncurrent loans to loans | 1.4725% | 4,473 |
| Net loans and leases to total assets | 63.0536% | 5,055 |
| Net loans and leases to deposits | 74.3828% | 5,311 |
| Net loans and leases to core deposits | 97.5859% | 4,653 |
| Total domestic deposits to total assets | 84.7690% | 3,338 |
| Equity capital to assets | 10.3620% | 3,666 |
| Core capital (leverage) ratio | 10.2354% | 3,036 |
| Tier 1 risk-based capital ratio | 15.1231% | 2,989 |
| Total risk-based capital ratio | 16.1580% | 3,023 |
| Memoranda: | ||
| Average total assets | $70,469,750 | 6,026 |
| Average earning assets | $63,782,000 | 6,046 |
| Average equity | $7,084,750 | 6,293 |
| Average total loans | $45,668,500 | 5,899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 4,882 |
| Cost of funding earning assets | 2.2471% | 2,594 |
| Net interest margin | 3.2052% | 5,898 |
| Noninterest income to average assets | 0.9439% | 1,783 |
| Noninterest expense to average assets | 2.8061% | 4,938 |
| Loan and lease loss provision to assets | 0.0368% | 6,871 |
| Net operating income to assets | 0.8370% | 2,711 |
| Return on assets (ROA) | 0.9382% | 2,411 |
| Pretax return on assets | 1.1338% | 2,522 |
| Return on Equity (ROE) | 9.4280% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.4280% | 833 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7206% | 4,266 |
| Assets per employee ($millions) | 4.2152% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 6,028 |
| Loan loss allowance to noncurrent loans | 534.0909% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 7,256 |
| Noncurrent loans to loans | 0.1926% | 7,033 |
| Net loans and leases to total assets | 63.0914% | 5,165 |
| Net loans and leases to deposits | 75.6147% | 5,226 |
| Net loans and leases to core deposits | 98.2122% | 4,676 |
| Total domestic deposits to total assets | 83.4380% | 4,044 |
| Equity capital to assets | 10.0268% | 3,902 |
| Core capital (leverage) ratio | 9.8982% | 3,395 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,123 |
| Total risk-based capital ratio | 15.7276% | 3,206 |
| Memoranda: | ||
| Average total assets | $70,560,000 | 6,066 |
| Average earning assets | $64,084,000 | 6,075 |
| Average equity | $7,021,670 | 6,363 |
| Average total loans | $45,973,330 | 5,933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5709% | 4,520 |
| Cost of funding earning assets | 2.3634% | 2,451 |
| Net interest margin | 3.2075% | 5,835 |
| Noninterest income to average assets | 0.7656% | 2,501 |
| Noninterest expense to average assets | 2.4968% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8684% | 2,848 |
| Return on assets (ROA) | 0.9713% | 2,556 |
| Pretax return on assets | 1.3426% | 2,141 |
| Return on Equity (ROE) | 9.7983% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.7983% | 1,250 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3879% | 5,068 |
| Assets per employee ($millions) | 4.1866% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 6,324 |
| Loan loss allowance to noncurrent loans | 167.3993% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 6,353 |
| Noncurrent loans to loans | 0.5843% | 5,934 |
| Net loans and leases to total assets | 65.0101% | 4,812 |
| Net loans and leases to deposits | 76.3162% | 5,174 |
| Net loans and leases to core deposits | 99.9158% | 4,547 |
| Total domestic deposits to total assets | 85.1852% | 3,113 |
| Equity capital to assets | 9.8662% | 4,160 |
| Core capital (leverage) ratio | 9.7389% | 3,700 |
| Tier 1 risk-based capital ratio | 14.6066% | 3,254 |
| Total risk-based capital ratio | 15.5712% | 3,341 |
| Memoranda: | ||
| Average total assets | $70,011,000 | 6,116 |
| Average earning assets | $63,975,000 | 6,111 |
| Average equity | $6,940,000 | 6,436 |
| Average total loans | $46,120,000 | 5,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1143% | 4,966 |
| Cost of funding earning assets | 2.8735% | 2,376 |
| Net interest margin | 3.2408% | 6,236 |
| Noninterest income to average assets | 0.5082% | 4,556 |
| Noninterest expense to average assets | 2.5054% | 5,981 |
| Loan and lease loss provision to assets | 0.0758% | 6,453 |
| Net operating income to assets | 0.6522% | 4,096 |
| Return on assets (ROA) | 0.7118% | 3,672 |
| Pretax return on assets | 1.0432% | 3,229 |
| Return on Equity (ROE) | 7.2816% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.2816% | 1,065 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4622% | 4,256 |
| Assets per employee ($millions) | 4.0500% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,012 |
| Loan loss allowance to noncurrent loans | 145.0794% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 5,851 |
| Noncurrent loans to loans | 0.6921% | 5,308 |
| Net loans and leases to total assets | 65.4423% | 4,961 |
| Net loans and leases to deposits | 77.5735% | 5,393 |
| Net loans and leases to core deposits | 102.8393% | 4,519 |
| Total domestic deposits to total assets | 84.3617% | 3,149 |
| Equity capital to assets | 9.9608% | 4,082 |
| Core capital (leverage) ratio | 9.8220% | 3,620 |
| Tier 1 risk-based capital ratio | 14.9043% | 3,086 |
| Total risk-based capital ratio | 15.9134% | 3,143 |
| Memoranda: | ||
| Average total assets | $67,293,600 | 6,113 |
| Average earning assets | $62,885,400 | 6,055 |
| Average equity | $6,578,200 | 6,612 |
| Average total loans | $44,184,200 | 5,967 |