Home > The Glen Burnie Mutual Savings Bank > Performance and Condition Ratios
The Glen Burnie Mutual Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,844 |
| Cost of funding earning assets | 2.8185% | 201 |
| Net interest margin | 1.2584% | 4,530 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 0.9315% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2561% | 4,088 |
| Return on assets (ROA) | 0.2561% | 4,094 |
| Pretax return on assets | 0.3289% | 4,063 |
| Return on Equity (ROE) | 3.2600% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.2586% | 3,204 |
| 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 | 73.9035% | 1,469 |
| Assets per employee ($millions) | 21.3880% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 4,377 |
| Loan loss allowance to noncurrent loans | 60.0660% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 986 |
| Noncurrent loans to loans | 0.6979% | 1,124 |
| Net loans and leases to total assets | 80.8500% | 550 |
| Net loans and leases to deposits | 88.7340% | 1,371 |
| Net loans and leases to core deposits | 88.7340% | 2,135 |
| Total domestic deposits to total assets | 91.1200% | 473 |
| Equity capital to assets | 8.0980% | 3,354 |
| Core capital (leverage) ratio | 8.0048% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8881% | 942 |
| Memoranda: | ||
| Average total assets | $108,534,400 | 3,756 |
| Average earning assets | $106,403,000 | 3,681 |
| Average equity | $8,531,200 | 3,874 |
| Average total loans | $87,705,400 | 3,322 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,762 |
| Cost of funding earning assets | 2.8014% | 159 |
| Net interest margin | 1.2473% | 4,551 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 0.9167% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2436% | 4,188 |
| Return on assets (ROA) | 0.2436% | 4,197 |
| Pretax return on assets | 0.3354% | 4,127 |
| Return on Equity (ROE) | 3.1200% | 4,090 |
| Retained earnings to average equity (ytd only) | 3.1219% | 3,485 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.2160% | 1,423 |
| Assets per employee ($millions) | 21.5734% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4066% | 4,404 |
| Loan loss allowance to noncurrent loans | 43.9614% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 725 |
| Noncurrent loans to loans | 0.9249% | 888 |
| Net loans and leases to total assets | 82.6600% | 386 |
| Net loans and leases to deposits | 89.9600% | 1,242 |
| Net loans and leases to core deposits | 89.9600% | 1,932 |
| Total domestic deposits to total assets | 91.8900% | 472 |
| Equity capital to assets | 7.9552% | 3,078 |
| Core capital (leverage) ratio | 7.8027% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1626% | 1,073 |
| Memoranda: | ||
| Average total assets | $108,933,000 | 3,767 |
| Average earning assets | $106,897,750 | 3,687 |
| Average equity | $8,499,000 | 3,882 |
| Average total loans | $87,924,250 | 3,319 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 3,665 |
| Cost of funding earning assets | 2.5987% | 158 |
| Net interest margin | 1.4114% | 4,585 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 0.9077% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3642% | 4,067 |
| Return on assets (ROA) | 0.3642% | 4,084 |
| Pretax return on assets | 0.5014% | 3,966 |
| Return on Equity (ROE) | 4.7000% | 3,924 |
| Retained earnings to average equity (ytd only) | 4.6980% | 3,027 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.4156% | 2,429 |
| Assets per employee ($millions) | 21.6954% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4115% | 4,435 |
| Loan loss allowance to noncurrent loans | 58.6151% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 948 |
| Noncurrent loans to loans | 0.7020% | 1,061 |
| Net loans and leases to total assets | 81.2200% | 497 |
| Net loans and leases to deposits | 88.9371% | 1,266 |
| Net loans and leases to core deposits | 88.9371% | 1,867 |
| Total domestic deposits to total assets | 91.3200% | 552 |
| Equity capital to assets | 7.9104% | 3,276 |
| Core capital (leverage) ratio | 7.7796% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4227% | 1,045 |
| Memoranda: | ||
| Average total assets | $109,288,333 | 3,782 |
| Average earning assets | $107,129,667 | 3,696 |
| Average equity | $8,471,667 | 3,906 |
| Average total loans | $87,390,000 | 3,329 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 3,558 |
| Cost of funding earning assets | 2.6781% | 70 |
| Net interest margin | 1.2701% | 4,648 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 0.9262% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2516% | 4,305 |
| Return on assets (ROA) | 0.2516% | 4,272 |
| Pretax return on assets | 0.3464% | 4,207 |
| Return on Equity (ROE) | 3.2800% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.2791% | 3,443 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7794% | 1,465 |
| Assets per employee ($millions) | 21.9624% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4195% | 4,487 |
| Loan loss allowance to noncurrent loans | 58.5209% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 910 |
| Noncurrent loans to loans | 0.7169% | 1,057 |
| Net loans and leases to total assets | 78.6800% | 690 |
| Net loans and leases to deposits | 85.4074% | 1,394 |
| Net loans and leases to core deposits | 85.4074% | 1,903 |
| Total domestic deposits to total assets | 92.1200% | 490 |
| Equity capital to assets | 7.6968% | 3,447 |
| Core capital (leverage) ratio | 7.5639% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6853% | 1,217 |
| Memoranda: | ||
| Average total assets | $109,694,000 | 3,825 |
| Average earning assets | $107,389,000 | 3,744 |
| Average equity | $8,417,000 | 3,962 |
| Average total loans | $86,852,000 | 3,370 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 3,245 |
| Cost of funding earning assets | 2.4216% | 2 |
| Net interest margin | 1.0145% | 4,678 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 0.8713% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0853% | 4,518 |
| Return on assets (ROA) | 0.0853% | 4,505 |
| Pretax return on assets | 0.1137% | 4,496 |
| Return on Equity (ROE) | 1.1200% | 4,475 |
| Retained earnings to average equity (ytd only) | 1.1201% | 4,170 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.4544% | 343 |
| Assets per employee ($millions) | 21.9152% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4187% | 4,490 |
| Loan loss allowance to noncurrent loans | 58.1470% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 881 |
| Noncurrent loans to loans | 0.7200% | 1,046 |
| Net loans and leases to total assets | 79.0100% | 692 |
| Net loans and leases to deposits | 86.1986% | 1,297 |
| Net loans and leases to core deposits | 86.1986% | 1,737 |
| Total domestic deposits to total assets | 91.6600% | 732 |
| Equity capital to assets | 7.6495% | 3,286 |
| Core capital (leverage) ratio | 7.5516% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8166% | 1,158 |
| Memoranda: | ||
| Average total assets | $109,027,200 | 3,846 |
| Average earning assets | $101,627,000 | 3,823 |
| Average equity | $8,302,600 | 4,067 |
| Average total loans | $84,126,000 | 3,353 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3599% | 3,017 |
| Cost of funding earning assets | 2.4481% | 1 |
| Net interest margin | 0.9119% | 4,702 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 0.8755% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0049% | 4,585 |
| Return on assets (ROA) | 0.0049% | 4,558 |
| Pretax return on assets | 0.0061% | 4,553 |
| Return on Equity (ROE) | 0.0600% | 4,558 |
| Retained earnings to average equity (ytd only) | 0.0644% | 4,325 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.3056% | 166 |
| Assets per employee ($millions) | 21.9606% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4269% | 4,528 |
| Loan loss allowance to noncurrent loans | 57.9618% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 929 |
| Noncurrent loans to loans | 0.7364% | 1,102 |
| Net loans and leases to total assets | 77.3300% | 770 |
| Net loans and leases to deposits | 83.7625% | 1,318 |
| Net loans and leases to core deposits | 83.7625% | 1,670 |
| Total domestic deposits to total assets | 92.3200% | 774 |
| Equity capital to assets | 7.5526% | 3,190 |
| Core capital (leverage) ratio | 7.4595% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9992% | 1,174 |
| Memoranda: | ||
| Average total assets | $108,890,000 | 3,867 |
| Average earning assets | $100,158,750 | 3,862 |
| Average equity | $8,282,750 | 4,112 |
| Average total loans | $83,422,250 | 3,372 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3999% | 2,434 |
| Cost of funding earning assets | 2.5566% | 1 |
| Net interest margin | 0.8434% | 4,741 |
| Noninterest income to average assets | 0.0424% | 4,655 |
| Noninterest expense to average assets | 0.8694% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0645% | 4,603 |
| Return on assets (ROA) | -0.0645% | 4,574 |
| Pretax return on assets | -0.0645% | 4,563 |
| Return on Equity (ROE) | -0.8455% | 4,588 |
| Retained earnings to average equity (ytd only) | -0.8455% | 4,284 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0092% | 126 |
| Assets per employee ($millions) | 21.8064% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4397% | 4,598 |
| Loan loss allowance to noncurrent loans | 57.5949% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 969 |
| Noncurrent loans to loans | 0.7635% | 1,127 |
| Net loans and leases to total assets | 75.5897% | 769 |
| Net loans and leases to deposits | 82.4005% | 1,218 |
| Net loans and leases to core deposits | 82.4005% | 1,568 |
| Total domestic deposits to total assets | 91.7345% | 954 |
| Equity capital to assets | 7.5703% | 3,422 |
| Core capital (leverage) ratio | 7.4552% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7649% | 1,236 |
| Memoranda: | ||
| Average total assets | $108,585,667 | 3,908 |
| Average earning assets | $98,178,333 | 3,927 |
| Average equity | $8,279,333 | 4,172 |
| Average total loans | $82,805,000 | 3,415 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 2,013 |
| Cost of funding earning assets | 2.4605% | 1 |
| Net interest margin | 0.9671% | 4,756 |
| Noninterest income to average assets | 0.0369% | 4,691 |
| Noninterest expense to average assets | 0.8822% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0221% | 4,534 |
| Return on assets (ROA) | 0.0221% | 4,515 |
| Pretax return on assets | 0.0295% | 4,504 |
| Return on Equity (ROE) | 0.2894% | 4,505 |
| Retained earnings to average equity (ytd only) | 0.2894% | 3,959 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7611% | 307 |
| Assets per employee ($millions) | 21.7688% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4400% | 4,627 |
| Loan loss allowance to noncurrent loans | 88.5645% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 1,599 |
| Noncurrent loans to loans | 0.4968% | 1,783 |
| Net loans and leases to total assets | 75.6780% | 528 |
| Net loans and leases to deposits | 82.0494% | 1,008 |
| Net loans and leases to core deposits | 82.0494% | 1,347 |
| Total domestic deposits to total assets | 92.2348% | 495 |
| Equity capital to assets | 7.6210% | 3,840 |
| Core capital (leverage) ratio | 7.5593% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9655% | 1,266 |
| Memoranda: | ||
| Average total assets | $108,362,500 | 3,932 |
| Average earning assets | $98,027,000 | 3,947 |
| Average equity | $8,292,000 | 4,241 |
| Average total loans | $82,817,000 | 3,424 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 2,748 |
| Cost of funding earning assets | 2.4857% | 1 |
| Net interest margin | 0.9852% | 4,781 |
| Noninterest income to average assets | 0.0650% | 4,690 |
| Noninterest expense to average assets | 0.7748% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3214% | 4,398 |
| Return on assets (ROA) | 0.3214% | 4,419 |
| Pretax return on assets | 0.1914% | 4,580 |
| Return on Equity (ROE) | 4.2231% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.2231% | 3,119 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1951% | 792 |
| Assets per employee ($millions) | 21.5762% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4391% | 4,669 |
| Loan loss allowance to noncurrent loans | 57.1429% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 1,119 |
| Noncurrent loans to loans | 0.7684% | 1,320 |
| Net loans and leases to total assets | 76.5056% | 484 |
| Net loans and leases to deposits | 83.4648% | 952 |
| Net loans and leases to core deposits | 83.4648% | 1,358 |
| Total domestic deposits to total assets | 91.6621% | 277 |
| Equity capital to assets | 7.6835% | 4,507 |
| Core capital (leverage) ratio | 7.6079% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9447% | 1,278 |
| Memoranda: | ||
| Average total assets | $106,085,600 | 3,931 |
| Average earning assets | $97,036,200 | 3,940 |
| Average equity | $8,074,600 | 4,324 |
| Average total loans | $81,329,600 | 3,451 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4755% | 2,912 |
| Cost of funding earning assets | 2.4866% | 1 |
| Net interest margin | 0.9889% | 4,866 |
| Noninterest income to average assets | 0.0593% | 4,782 |
| Noninterest expense to average assets | 0.7384% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2133% | 4,616 |
| Return on assets (ROA) | 0.2133% | 4,637 |
| Pretax return on assets | 0.2259% | 4,654 |
| Return on Equity (ROE) | 2.8092% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.8092% | 3,963 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5707% | 994 |
| Assets per employee ($millions) | 26.6485% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 4,747 |
| Loan loss allowance to noncurrent loans | 44.8276% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 951 |
| Noncurrent loans to loans | 0.9857% | 1,166 |
| Net loans and leases to total assets | 76.9368% | 478 |
| Net loans and leases to deposits | 83.4249% | 1,004 |
| Net loans and leases to core deposits | 83.4249% | 1,464 |
| Total domestic deposits to total assets | 92.2228% | 89 |
| Equity capital to assets | 7.6149% | 4,674 |
| Core capital (leverage) ratio | 7.4998% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9045% | 1,367 |
| Memoranda: | ||
| Average total assets | $105,636,750 | 3,988 |
| Average earning assets | $96,674,000 | 3,991 |
| Average equity | $8,021,000 | 4,388 |
| Average total loans | $80,937,250 | 3,512 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3885% | 3,207 |
| Cost of funding earning assets | 2.5060% | 1 |
| Net interest margin | 0.8825% | 4,913 |
| Noninterest income to average assets | 0.0570% | 4,823 |
| Noninterest expense to average assets | 0.7368% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1253% | 4,688 |
| Return on assets (ROA) | 0.1253% | 4,707 |
| Pretax return on assets | 0.1253% | 4,715 |
| Return on Equity (ROE) | 1.6523% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.6523% | 4,201 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4626% | 497 |
| Assets per employee ($millions) | 26.6693% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4486% | 4,775 |
| Loan loss allowance to noncurrent loans | 30.6655% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 651 |
| Noncurrent loans to loans | 1.4630% | 780 |
| Net loans and leases to total assets | 75.7145% | 617 |
| Net loans and leases to deposits | 82.4739% | 1,178 |
| Net loans and leases to core deposits | 82.4739% | 1,684 |
| Total domestic deposits to total assets | 91.8042% | 165 |
| Equity capital to assets | 7.5124% | 4,736 |
| Core capital (leverage) ratio | 7.4693% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5593% | 1,455 |
| Memoranda: | ||
| Average total assets | $105,317,667 | 4,007 |
| Average earning assets | $96,088,667 | 4,018 |
| Average equity | $7,989,000 | 4,413 |
| Average total loans | $80,458,333 | 3,544 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 2,970 |
| Cost of funding earning assets | 2.5157% | 3 |
| Net interest margin | 0.9682% | 4,936 |
| Noninterest income to average assets | 0.0535% | 4,841 |
| Noninterest expense to average assets | 0.7110% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2179% | 4,622 |
| Return on assets (ROA) | 0.2179% | 4,646 |
| Pretax return on assets | 0.2179% | 4,669 |
| Return on Equity (ROE) | 2.8584% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.8584% | 3,823 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5432% | 1,083 |
| Assets per employee ($millions) | 26.4010% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4593% | 4,798 |
| Loan loss allowance to noncurrent loans | 30.5113% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.1297% | 683 |
| Noncurrent loans to loans | 1.5055% | 833 |
| Net loans and leases to total assets | 74.6932% | 747 |
| Net loans and leases to deposits | 80.9464% | 1,430 |
| Net loans and leases to core deposits | 80.9464% | 1,916 |
| Total domestic deposits to total assets | 92.2749% | 97 |
| Equity capital to assets | 7.5802% | 4,684 |
| Core capital (leverage) ratio | 7.5260% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8999% | 1,324 |
| Memoranda: | ||
| Average total assets | $104,638,000 | 4,021 |
| Average earning assets | $94,606,000 | 4,043 |
| Average equity | $7,976,500 | 4,432 |
| Average total loans | $80,120,500 | 3,558 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 3,898 |
| Cost of funding earning assets | 2.6555% | 1 |
| Net interest margin | 0.9073% | 4,966 |
| Noninterest income to average assets | 0.0225% | 4,914 |
| Noninterest expense to average assets | 0.6812% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1853% | 4,590 |
| Return on assets (ROA) | 0.1941% | 4,640 |
| Pretax return on assets | 0.1941% | 4,655 |
| Return on Equity (ROE) | 2.5179% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.5179% | 3,589 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6199% | 987 |
| Assets per employee ($millions) | 25.8903% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4358% | 4,832 |
| Loan loss allowance to noncurrent loans | 32.9114% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 870 |
| Noncurrent loans to loans | 1.3241% | 1,024 |
| Net loans and leases to total assets | 80.3024% | 403 |
| Net loans and leases to deposits | 87.5491% | 1,130 |
| Net loans and leases to core deposits | 87.5491% | 1,740 |
| Total domestic deposits to total assets | 91.7228% | 97 |
| Equity capital to assets | 7.6805% | 4,807 |
| Core capital (leverage) ratio | 7.5428% | 4,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1852% | 1,219 |
| Memoranda: | ||
| Average total assets | $102,022,400 | 3,968 |
| Average earning assets | $94,895,600 | 3,960 |
| Average equity | $7,863,600 | 4,438 |
| Average total loans | $80,628,600 | 3,543 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 3,967 |
| Cost of funding earning assets | 2.6614% | 1 |
| Net interest margin | 0.9623% | 5,008 |
| Noninterest income to average assets | 0.0512% | 4,887 |
| Noninterest expense to average assets | 0.7228% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2243% | 4,556 |
| Return on assets (ROA) | 0.2361% | 4,576 |
| Pretax return on assets | 0.2361% | 4,616 |
| Return on Equity (ROE) | 3.0608% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.0608% | 3,493 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 1,180 |
| Assets per employee ($millions) | 20.6394% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4514% | 4,850 |
| Loan loss allowance to noncurrent loans | 32.9114% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 999 |
| Noncurrent loans to loans | 1.3715% | 1,063 |
| Net loans and leases to total assets | 77.7920% | 857 |
| Net loans and leases to deposits | 84.4216% | 1,863 |
| Net loans and leases to core deposits | 84.4216% | 2,436 |
| Total domestic deposits to total assets | 92.1471% | 46 |
| Equity capital to assets | 7.6901% | 4,809 |
| Core capital (leverage) ratio | 7.5552% | 4,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0554% | 1,236 |
| Memoranda: | ||
| Average total assets | $101,637,750 | 3,970 |
| Average earning assets | $94,635,750 | 3,959 |
| Average equity | $7,841,000 | 4,462 |
| Average total loans | $79,904,250 | 3,574 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,124 |
| Cost of funding earning assets | 2.6991% | 2 |
| Net interest margin | 0.9813% | 5,051 |
| Noninterest income to average assets | 0.0475% | 4,921 |
| Noninterest expense to average assets | 0.7734% | 5,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1859% | 4,589 |
| Return on assets (ROA) | 0.2017% | 4,613 |
| Pretax return on assets | 0.2017% | 4,629 |
| Return on Equity (ROE) | 2.6123% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.6123% | 3,544 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6186% | 846 |
| Assets per employee ($millions) | 25.6243% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4577% | 4,870 |
| Loan loss allowance to noncurrent loans | 42.8740% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 1,493 |
| Noncurrent loans to loans | 1.0675% | 1,451 |
| Net loans and leases to total assets | 77.2403% | 959 |
| Net loans and leases to deposits | 84.3291% | 1,965 |
| Net loans and leases to core deposits | 84.3291% | 2,588 |
| Total domestic deposits to total assets | 91.5939% | 74 |
| Equity capital to assets | 7.6666% | 4,839 |
| Core capital (leverage) ratio | 7.6483% | 4,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8850% | 1,271 |
| Memoranda: | ||
| Average total assets | $101,118,000 | 3,980 |
| Average earning assets | $93,957,667 | 3,972 |
| Average equity | $7,809,333 | 4,482 |
| Average total loans | $79,658,000 | 3,580 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,253 |
| Cost of funding earning assets | 2.7235% | 2 |
| Net interest margin | 1.0670% | 5,100 |
| Noninterest income to average assets | 0.0558% | 4,960 |
| Noninterest expense to average assets | 0.8165% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2270% | 4,483 |
| Return on assets (ROA) | 0.2310% | 4,499 |
| Pretax return on assets | 0.2310% | 4,537 |
| Return on Equity (ROE) | 2.9801% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.9801% | 3,091 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2443% | 1,306 |
| Assets per employee ($millions) | 25.2508% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4594% | 4,911 |
| Loan loss allowance to noncurrent loans | 37.1808% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9693% | 1,370 |
| Noncurrent loans to loans | 1.2356% | 1,318 |
| Net loans and leases to total assets | 78.0858% | 970 |
| Net loans and leases to deposits | 84.7589% | 2,133 |
| Net loans and leases to core deposits | 84.7589% | 2,780 |
| Total domestic deposits to total assets | 92.1270% | 31 |
| Equity capital to assets | 7.7364% | 5,012 |
| Core capital (leverage) ratio | 7.7137% | 5,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1702% | 1,308 |
| Memoranda: | ||
| Average total assets | $100,428,500 | 3,985 |
| Average earning assets | $92,968,500 | 3,988 |
| Average equity | $7,785,000 | 4,510 |
| Average total loans | $79,720,500 | 3,586 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 4,536 |
| Cost of funding earning assets | 2.7651% | 4 |
| Net interest margin | 1.0553% | 5,152 |
| Noninterest income to average assets | 0.0444% | 5,046 |
| Noninterest expense to average assets | 0.7339% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2968% | 4,752 |
| Return on assets (ROA) | 0.2988% | 4,783 |
| Pretax return on assets | 0.2988% | 4,818 |
| Return on Equity (ROE) | 3.8994% | 4,483 |
| Retained earnings to average equity (ytd only) | 3.8994% | 3,019 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2047% | 1,988 |
| Assets per employee ($millions) | 25.0153% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4705% | 4,922 |
| Loan loss allowance to noncurrent loans | 28.9809% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 905 |
| Noncurrent loans to loans | 1.6236% | 862 |
| Net loans and leases to total assets | 76.9471% | 1,268 |
| Net loans and leases to deposits | 83.9922% | 2,336 |
| Net loans and leases to core deposits | 83.9922% | 2,950 |
| Total domestic deposits to total assets | 91.6121% | 61 |
| Equity capital to assets | 7.7393% | 5,089 |
| Core capital (leverage) ratio | 7.7084% | 5,084 |
| Tier 1 risk-based capital ratio | 16.6141% | 2,180 |
| Total risk-based capital ratio | 17.3950% | 2,302 |
| Memoranda: | ||
| Average total assets | $99,054,400 | 4,016 |
| Average earning assets | $92,582,800 | 4,003 |
| Average equity | $7,591,000 | 4,557 |
| Average total loans | $77,888,800 | 3,638 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 4,616 |
| Cost of funding earning assets | 2.7691% | 4 |
| Net interest margin | 1.0759% | 5,239 |
| Noninterest income to average assets | 0.0405% | 5,134 |
| Noninterest expense to average assets | 0.7368% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3104% | 4,824 |
| Return on assets (ROA) | 0.3131% | 4,842 |
| Pretax return on assets | 0.3131% | 4,890 |
| Return on Equity (ROE) | 4.0956% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.0956% | 3,349 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3608% | 2,065 |
| Assets per employee ($millions) | 24.8683% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4705% | 5,008 |
| Loan loss allowance to noncurrent loans | 28.9578% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 974 |
| Noncurrent loans to loans | 1.6249% | 908 |
| Net loans and leases to total assets | 77.4019% | 1,242 |
| Net loans and leases to deposits | 83.9950% | 2,458 |
| Net loans and leases to core deposits | 83.9950% | 3,092 |
| Total domestic deposits to total assets | 92.1506% | 35 |
| Equity capital to assets | 7.7207% | 5,169 |
| Core capital (leverage) ratio | 7.6712% | 5,167 |
| Tier 1 risk-based capital ratio | 16.6320% | 2,212 |
| Total risk-based capital ratio | 17.4203% | 2,304 |
| Memoranda: | ||
| Average total assets | $98,802,750 | 4,063 |
| Average earning assets | $92,448,250 | 4,048 |
| Average equity | $7,552,750 | 4,614 |
| Average total loans | $78,021,500 | 3,679 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 4,633 |
| Cost of funding earning assets | 2.7644% | 4 |
| Net interest margin | 1.0880% | 5,284 |
| Noninterest income to average assets | 0.0345% | 5,196 |
| Noninterest expense to average assets | 0.7628% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2922% | 4,884 |
| Return on assets (ROA) | 0.2942% | 4,894 |
| Pretax return on assets | 0.2942% | 4,937 |
| Return on Equity (ROE) | 3.8613% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.8613% | 3,317 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3077% | 1,874 |
| Assets per employee ($millions) | 24.8608% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4659% | 5,056 |
| Loan loss allowance to noncurrent loans | 42.0809% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 1,613 |
| Noncurrent loans to loans | 1.1072% | 1,477 |
| Net loans and leases to total assets | 78.1945% | 1,190 |
| Net loans and leases to deposits | 85.3313% | 2,334 |
| Net loans and leases to core deposits | 85.3313% | 3,012 |
| Total domestic deposits to total assets | 91.6364% | 55 |
| Equity capital to assets | 7.6355% | 5,223 |
| Core capital (leverage) ratio | 7.6324% | 5,220 |
| Tier 1 risk-based capital ratio | 16.4839% | 2,241 |
| Total risk-based capital ratio | 17.2742% | 2,346 |
| Memoranda: | ||
| Average total assets | $98,579,330 | 4,091 |
| Average earning assets | $92,460,330 | 4,067 |
| Average equity | $7,510,330 | 4,646 |
| Average total loans | $78,242,670 | 3,688 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 4,659 |
| Cost of funding earning assets | 2.7312% | 4 |
| Net interest margin | 1.1003% | 5,350 |
| Noninterest income to average assets | 0.0367% | 5,242 |
| Noninterest expense to average assets | 0.7091% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3668% | 4,803 |
| Return on assets (ROA) | 0.3709% | 4,794 |
| Pretax return on assets | 0.3709% | 4,875 |
| Return on Equity (ROE) | 4.8735% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.8735% | 2,961 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9091% | 2,949 |
| Assets per employee ($millions) | 24.6958% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4636% | 5,122 |
| Loan loss allowance to noncurrent loans | 36.4364% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 1,383 |
| Noncurrent loans to loans | 1.2722% | 1,293 |
| Net loans and leases to total assets | 79.1219% | 972 |
| Net loans and leases to deposits | 85.7514% | 2,158 |
| Net loans and leases to core deposits | 85.7514% | 2,890 |
| Total domestic deposits to total assets | 92.2689% | 52 |
| Equity capital to assets | 7.6319% | 5,244 |
| Core capital (leverage) ratio | 7.6476% | 5,268 |
| Tier 1 risk-based capital ratio | 16.2984% | 2,341 |
| Total risk-based capital ratio | 17.0854% | 2,448 |
| Memoranda: | ||
| Average total assets | $98,147,500 | 4,134 |
| Average earning assets | $92,705,000 | 4,101 |
| Average equity | $7,469,000 | 4,684 |
| Average total loans | $78,302,500 | 3,731 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,454 |
| Cost of funding earning assets | 2.7496% | 2 |
| Net interest margin | 1.0645% | 5,391 |
| Noninterest income to average assets | 0.0531% | 5,266 |
| Noninterest expense to average assets | 0.7923% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2374% | 5,075 |
| Return on assets (ROA) | 0.2405% | 5,067 |
| Pretax return on assets | 0.2405% | 5,092 |
| Return on Equity (ROE) | 3.1697% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.1697% | 3,812 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9464% | 1,241 |
| Assets per employee ($millions) | 24.3780% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 5,160 |
| Loan loss allowance to noncurrent loans | 41.7431% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 1,556 |
| Noncurrent loans to loans | 1.1168% | 1,448 |
| Net loans and leases to total assets | 79.7010% | 982 |
| Net loans and leases to deposits | 86.9475% | 2,165 |
| Net loans and leases to core deposits | 86.9475% | 2,845 |
| Total domestic deposits to total assets | 91.6656% | 97 |
| Equity capital to assets | 7.5878% | 5,269 |
| Core capital (leverage) ratio | 7.5830% | 5,314 |
| Tier 1 risk-based capital ratio | 16.2113% | 2,340 |
| Total risk-based capital ratio | 17.0088% | 2,433 |
| Memoranda: | ||
| Average total assets | $96,044,200 | 4,165 |
| Average earning assets | $88,120,600 | 4,181 |
| Average equity | $7,287,800 | 4,712 |
| Average total loans | $74,205,200 | 3,786 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,403 |
| Cost of funding earning assets | 2.7418% | 2 |
| Net interest margin | 1.0743% | 5,466 |
| Noninterest income to average assets | 0.0543% | 5,333 |
| Noninterest expense to average assets | 0.7748% | 5,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2564% | 5,144 |
| Return on assets (ROA) | 0.2592% | 5,138 |
| Pretax return on assets | 0.2592% | 5,171 |
| Return on Equity (ROE) | 3.4158% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.4158% | 4,057 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1351% | 1,444 |
| Assets per employee ($millions) | 24.2088% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4807% | 5,211 |
| Loan loss allowance to noncurrent loans | 62.4357% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,377 |
| Noncurrent loans to loans | 0.7699% | 2,162 |
| Net loans and leases to total assets | 77.8283% | 1,371 |
| Net loans and leases to deposits | 84.3471% | 2,556 |
| Net loans and leases to core deposits | 84.3471% | 3,133 |
| Total domestic deposits to total assets | 92.2714% | 67 |
| Equity capital to assets | 7.5944% | 5,289 |
| Core capital (leverage) ratio | 7.5879% | 5,383 |
| Tier 1 risk-based capital ratio | 16.5418% | 2,258 |
| Total risk-based capital ratio | 17.3606% | 2,347 |
| Memoranda: | ||
| Average total assets | $95,677,250 | 4,216 |
| Average earning assets | $86,997,000 | 4,246 |
| Average equity | $7,260,000 | 4,762 |
| Average total loans | $73,236,000 | 3,844 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 4,300 |
| Cost of funding earning assets | 2.7678% | 2 |
| Net interest margin | 1.0527% | 5,532 |
| Noninterest income to average assets | 0.0504% | 5,399 |
| Noninterest expense to average assets | 0.7766% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2246% | 5,208 |
| Return on assets (ROA) | 0.2267% | 5,197 |
| Pretax return on assets | 0.2267% | 5,217 |
| Return on Equity (ROE) | 2.9881% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.9881% | 4,064 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5681% | 1,236 |
| Assets per employee ($millions) | 24.0460% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4954% | 5,264 |
| Loan loss allowance to noncurrent loans | 26.1119% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 932 |
| Noncurrent loans to loans | 1.8973% | 811 |
| Net loans and leases to total assets | 76.0074% | 1,642 |
| Net loans and leases to deposits | 82.8633% | 2,677 |
| Net loans and leases to core deposits | 82.8633% | 3,172 |
| Total domestic deposits to total assets | 91.7263% | 117 |
| Equity capital to assets | 7.5636% | 5,365 |
| Core capital (leverage) ratio | 7.5583% | 5,434 |
| Tier 1 risk-based capital ratio | 16.5277% | 2,252 |
| Total risk-based capital ratio | 17.3547% | 2,336 |
| Memoranda: | ||
| Average total assets | $95,291,330 | 4,259 |
| Average earning assets | $86,060,670 | 4,295 |
| Average equity | $7,228,670 | 4,816 |
| Average total loans | $72,405,000 | 3,889 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,072 |
| Cost of funding earning assets | 2.7614% | 2 |
| Net interest margin | 1.0924% | 5,596 |
| Noninterest income to average assets | 0.0506% | 5,474 |
| Noninterest expense to average assets | 0.7760% | 5,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2573% | 5,162 |
| Return on assets (ROA) | 0.2615% | 5,155 |
| Pretax return on assets | 0.2615% | 5,198 |
| Return on Equity (ROE) | 3.4418% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.4418% | 3,828 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1020% | 1,736 |
| Assets per employee ($millions) | 23.8438% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5046% | 5,328 |
| Loan loss allowance to noncurrent loans | 35.8974% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 1,468 |
| Noncurrent loans to loans | 1.4056% | 1,267 |
| Net loans and leases to total assets | 75.2566% | 1,661 |
| Net loans and leases to deposits | 81.5229% | 2,632 |
| Net loans and leases to core deposits | 81.5229% | 3,182 |
| Total domestic deposits to total assets | 92.3135% | 76 |
| Equity capital to assets | 7.5806% | 5,394 |
| Core capital (leverage) ratio | 7.5717% | 5,500 |
| Tier 1 risk-based capital ratio | 16.4143% | 2,312 |
| Total risk-based capital ratio | 17.2407% | 2,414 |
| Memoranda: | ||
| Average total assets | $94,845,000 | 4,310 |
| Average earning assets | $85,320,500 | 4,358 |
| Average equity | $7,205,500 | 4,870 |
| Average total loans | $71,872,000 | 3,930 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 4,056 |
| Cost of funding earning assets | 2.7743% | 1 |
| Net interest margin | 1.0229% | 5,647 |
| Noninterest income to average assets | 0.0646% | 5,499 |
| Noninterest expense to average assets | 0.7731% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2154% | 5,077 |
| Return on assets (ROA) | 0.2186% | 5,095 |
| Pretax return on assets | 0.2186% | 5,292 |
| Return on Equity (ROE) | 2.8744% | 4,868 |
| Retained earnings to average equity (ytd only) | 2.8744% | 3,588 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2135% | 1,316 |
| Assets per employee ($millions) | 23.5788% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5084% | 5,376 |
| Loan loss allowance to noncurrent loans | 38.3966% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 1,531 |
| Noncurrent loans to loans | 1.3239% | 1,316 |
| Net loans and leases to total assets | 75.5341% | 1,675 |
| Net loans and leases to deposits | 82.3708% | 2,683 |
| Net loans and leases to core deposits | 82.3708% | 3,218 |
| Total domestic deposits to total assets | 91.7002% | 109 |
| Equity capital to assets | 7.6138% | 5,517 |
| Core capital (leverage) ratio | 7.5284% | 5,556 |
| Tier 1 risk-based capital ratio | 16.3290% | 2,320 |
| Total risk-based capital ratio | 17.1567% | 2,409 |
| Memoranda: | ||
| Average total assets | $92,867,000 | 4,373 |
| Average earning assets | $83,877,000 | 4,405 |
| Average equity | $7,062,400 | 4,930 |
| Average total loans | $69,206,400 | 3,983 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,304 |
| Cost of funding earning assets | 2.7683% | 1 |
| Net interest margin | 0.9398% | 5,724 |
| Noninterest income to average assets | 0.0649% | 5,571 |
| Noninterest expense to average assets | 0.7524% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1629% | 5,388 |
| Return on assets (ROA) | 0.1658% | 5,393 |
| Pretax return on assets | 0.1658% | 5,410 |
| Return on Equity (ROE) | 2.1802% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.1802% | 4,552 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2047% | 897 |
| Assets per employee ($millions) | 23.4380% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5110% | 5,449 |
| Loan loss allowance to noncurrent loans | 32.7928% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 1,391 |
| Noncurrent loans to loans | 1.5584% | 1,197 |
| Net loans and leases to total assets | 75.5877% | 1,664 |
| Net loans and leases to deposits | 81.8756% | 2,792 |
| Net loans and leases to core deposits | 81.8756% | 3,298 |
| Total domestic deposits to total assets | 92.3202% | 46 |
| Equity capital to assets | 7.5657% | 5,607 |
| Core capital (leverage) ratio | 7.4681% | 5,623 |
| Tier 1 risk-based capital ratio | 16.2568% | 2,398 |
| Total risk-based capital ratio | 17.0911% | 2,509 |
| Memoranda: | ||
| Average total assets | $92,505,000 | 4,420 |
| Average earning assets | $83,707,000 | 4,448 |
| Average equity | $7,032,750 | 4,989 |
| Average total loans | $68,607,000 | 4,028 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,274 |
| Cost of funding earning assets | 2.7829% | 1 |
| Net interest margin | 0.9011% | 5,772 |
| Noninterest income to average assets | 0.0630% | 5,615 |
| Noninterest expense to average assets | 0.7471% | 5,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1281% | 5,462 |
| Return on assets (ROA) | 0.1303% | 5,464 |
| Pretax return on assets | 0.1303% | 5,483 |
| Return on Equity (ROE) | 1.7112% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.7112% | 4,570 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3598% | 740 |
| Assets per employee ($millions) | 23.3163% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5300% | 5,485 |
| Loan loss allowance to noncurrent loans | 31.0580% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2566% | 1,334 |
| Noncurrent loans to loans | 1.7064% | 1,067 |
| Net loans and leases to total assets | 73.2536% | 1,995 |
| Net loans and leases to deposits | 79.8280% | 2,929 |
| Net loans and leases to core deposits | 79.8280% | 3,432 |
| Total domestic deposits to total assets | 91.7643% | 95 |
| Equity capital to assets | 7.5462% | 5,651 |
| Core capital (leverage) ratio | 7.4678% | 5,663 |
| Tier 1 risk-based capital ratio | 16.3800% | 2,365 |
| Total risk-based capital ratio | 17.2272% | 2,457 |
| Memoranda: | ||
| Average total assets | $92,089,330 | 4,463 |
| Average earning assets | $83,006,000 | 4,487 |
| Average equity | $7,012,670 | 5,019 |
| Average total loans | $67,733,000 | 4,069 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 4,221 |
| Cost of funding earning assets | 2.7667% | 1 |
| Net interest margin | 0.8979% | 5,842 |
| Noninterest income to average assets | 0.0743% | 5,661 |
| Noninterest expense to average assets | 0.7519% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1311% | 5,479 |
| Return on assets (ROA) | 0.1355% | 5,482 |
| Pretax return on assets | 0.1355% | 5,494 |
| Return on Equity (ROE) | 1.7714% | 5,370 |
| Retained earnings to average equity (ytd only) | 1.7714% | 4,405 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1485% | 877 |
| Assets per employee ($millions) | 23.0305% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 5,553 |
| Loan loss allowance to noncurrent loans | 30.9787% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 1,338 |
| Noncurrent loans to loans | 1.7502% | 1,086 |
| Net loans and leases to total assets | 72.4811% | 2,005 |
| Net loans and leases to deposits | 78.5329% | 2,913 |
| Net loans and leases to core deposits | 78.5329% | 3,433 |
| Total domestic deposits to total assets | 92.2939% | 79 |
| Equity capital to assets | 7.6084% | 5,654 |
| Core capital (leverage) ratio | 7.5979% | 5,681 |
| Tier 1 risk-based capital ratio | 16.5447% | 2,339 |
| Total risk-based capital ratio | 17.4039% | 2,437 |
| Memoranda: | ||
| Average total assets | $91,501,500 | 4,508 |
| Average earning assets | $82,410,000 | 4,544 |
| Average equity | $7,000,000 | 5,062 |
| Average total loans | $67,257,500 | 4,108 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 4,230 |
| Cost of funding earning assets | 2.7523% | 3 |
| Net interest margin | 0.9397% | 5,884 |
| Noninterest income to average assets | 0.0700% | 5,724 |
| Noninterest expense to average assets | 0.7823% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1434% | 5,504 |
| Return on assets (ROA) | 0.1626% | 5,513 |
| Pretax return on assets | 0.1626% | 5,527 |
| Return on Equity (ROE) | 2.0764% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.0764% | 4,355 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5122% | 966 |
| Assets per employee ($millions) | 22.7203% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 5,613 |
| Loan loss allowance to noncurrent loans | 25.6338% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.5625% | 1,039 |
| Noncurrent loans to loans | 2.1075% | 832 |
| Net loans and leases to total assets | 73.7404% | 1,888 |
| Net loans and leases to deposits | 80.4823% | 2,839 |
| Net loans and leases to core deposits | 80.4823% | 3,352 |
| Total domestic deposits to total assets | 91.6231% | 145 |
| Equity capital to assets | 7.6925% | 5,666 |
| Core capital (leverage) ratio | 7.6765% | 5,710 |
| Tier 1 risk-based capital ratio | 16.7891% | 2,232 |
| Total risk-based capital ratio | 17.6633% | 2,323 |
| Memoranda: | ||
| Average total assets | $88,584,000 | 4,572 |
| Average earning assets | $80,660,400 | 4,579 |
| Average equity | $6,935,200 | 5,104 |
| Average total loans | $65,630,600 | 4,147 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 4,249 |
| Cost of funding earning assets | 2.7441% | 3 |
| Net interest margin | 0.9557% | 5,952 |
| Noninterest income to average assets | 0.0667% | 5,794 |
| Noninterest expense to average assets | 0.7560% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1818% | 5,497 |
| Return on assets (ROA) | 0.2060% | 5,515 |
| Pretax return on assets | 0.2060% | 5,559 |
| Return on Equity (ROE) | 2.6199% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.6199% | 4,347 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6139% | 1,358 |
| Assets per employee ($millions) | 22.4540% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5364% | 5,691 |
| Loan loss allowance to noncurrent loans | 18.9485% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.1388% | 701 |
| Noncurrent loans to loans | 2.8306% | 564 |
| Net loans and leases to total assets | 75.1548% | 1,676 |
| Net loans and leases to deposits | 81.6018% | 2,783 |
| Net loans and leases to core deposits | 81.6018% | 3,314 |
| Total domestic deposits to total assets | 92.0994% | 69 |
| Equity capital to assets | 7.7748% | 5,799 |
| Core capital (leverage) ratio | 7.7675% | 5,773 |
| Tier 1 risk-based capital ratio | 16.4981% | 2,419 |
| Total risk-based capital ratio | 17.3581% | 2,530 |
| Memoranda: | ||
| Average total assets | $88,009,750 | 4,620 |
| Average earning assets | $80,219,500 | 4,621 |
| Average equity | $6,921,250 | 5,159 |
| Average total loans | $65,193,250 | 4,183 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,212 |
| Cost of funding earning assets | 2.7611% | 2 |
| Net interest margin | 0.9632% | 6,031 |
| Noninterest income to average assets | 0.0641% | 5,875 |
| Noninterest expense to average assets | 0.7116% | 6,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2265% | 5,478 |
| Return on assets (ROA) | 0.2425% | 5,510 |
| Pretax return on assets | 0.2425% | 5,567 |
| Return on Equity (ROE) | 3.0722% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.0722% | 3,953 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8537% | 2,104 |
| Assets per employee ($millions) | 22.1813% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 5,734 |
| Loan loss allowance to noncurrent loans | 34.0824% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 1,725 |
| Noncurrent loans to loans | 1.6431% | 1,300 |
| Net loans and leases to total assets | 72.8498% | 2,032 |
| Net loans and leases to deposits | 79.6500% | 2,974 |
| Net loans and leases to core deposits | 79.6500% | 3,495 |
| Total domestic deposits to total assets | 91.4624% | 127 |
| Equity capital to assets | 7.8366% | 5,852 |
| Core capital (leverage) ratio | 7.8412% | 5,807 |
| Tier 1 risk-based capital ratio | 16.7752% | 2,322 |
| Total risk-based capital ratio | 17.6534% | 2,409 |
| Memoranda: | ||
| Average total assets | $87,407,670 | 4,665 |
| Average earning assets | $79,316,670 | 4,672 |
| Average equity | $6,900,670 | 5,214 |
| Average total loans | $64,302,670 | 4,230 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 4,184 |
| Cost of funding earning assets | 2.7190% | 2 |
| Net interest margin | 1.0171% | 6,093 |
| Noninterest income to average assets | 0.0599% | 5,937 |
| Noninterest expense to average assets | 0.7516% | 6,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2398% | 5,449 |
| Return on assets (ROA) | 0.2536% | 5,498 |
| Pretax return on assets | 0.2536% | 5,579 |
| Return on Equity (ROE) | 3.2002% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.2002% | 3,903 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8140% | 2,201 |
| Assets per employee ($millions) | 21.8748% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5660% | 5,799 |
| Loan loss allowance to noncurrent loans | 33.9869% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 1,781 |
| Noncurrent loans to loans | 1.6653% | 1,357 |
| Net loans and leases to total assets | 73.0854% | 1,872 |
| Net loans and leases to deposits | 79.4447% | 2,867 |
| Net loans and leases to core deposits | 79.4447% | 3,371 |
| Total domestic deposits to total assets | 91.9953% | 111 |
| Equity capital to assets | 7.8881% | 5,865 |
| Core capital (leverage) ratio | 7.8797% | 5,820 |
| Tier 1 risk-based capital ratio | 16.4486% | 2,497 |
| Total risk-based capital ratio | 17.3161% | 2,606 |
| Memoranda: | ||
| Average total assets | $86,749,000 | 4,715 |
| Average earning assets | $79,440,500 | 4,719 |
| Average equity | $6,874,500 | 5,256 |
| Average total loans | $63,954,000 | 4,262 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,587 |
| Cost of funding earning assets | 2.5972% | 3 |
| Net interest margin | 1.0341% | 6,141 |
| Noninterest income to average assets | 0.0612% | 5,977 |
| Noninterest expense to average assets | 0.7904% | 6,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2458% | 5,493 |
| Return on assets (ROA) | 0.2494% | 5,551 |
| Pretax return on assets | 0.2494% | 5,615 |
| Return on Equity (ROE) | 3.1316% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.1316% | 3,826 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2770% | 2,230 |
| Assets per employee ($millions) | 21.4998% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5724% | 5,829 |
| Loan loss allowance to noncurrent loans | 46.1343% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 2,372 |
| Noncurrent loans to loans | 1.2407% | 1,905 |
| Net loans and leases to total assets | 73.5253% | 1,803 |
| Net loans and leases to deposits | 80.5480% | 2,759 |
| Net loans and leases to core deposits | 80.5480% | 3,288 |
| Total domestic deposits to total assets | 91.2813% | 216 |
| Equity capital to assets | 7.9617% | 5,865 |
| Core capital (leverage) ratio | 7.8973% | 5,880 |
| Tier 1 risk-based capital ratio | 16.6056% | 2,422 |
| Total risk-based capital ratio | 17.4884% | 2,548 |
| Memoranda: | ||
| Average total assets | $85,016,200 | 4,768 |
| Average earning assets | $80,163,200 | 4,713 |
| Average equity | $6,769,800 | 5,284 |
| Average total loans | $63,118,000 | 4,288 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6269% | 4,652 |
| Cost of funding earning assets | 2.5622% | 2 |
| Net interest margin | 1.0647% | 6,232 |
| Noninterest income to average assets | 0.0629% | 6,062 |
| Noninterest expense to average assets | 0.7738% | 6,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2988% | 5,453 |
| Return on assets (ROA) | 0.3020% | 5,527 |
| Pretax return on assets | 0.3020% | 5,636 |
| Return on Equity (ROE) | 3.7922% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.7922% | 3,768 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1408% | 2,853 |
| Assets per employee ($millions) | 21.4635% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 5,936 |
| Loan loss allowance to noncurrent loans | 33.7662% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 1,865 |
| Noncurrent loans to loans | 1.6945% | 1,428 |
| Net loans and leases to total assets | 73.6774% | 1,790 |
| Net loans and leases to deposits | 80.1904% | 2,861 |
| Net loans and leases to core deposits | 80.1904% | 3,412 |
| Total domestic deposits to total assets | 91.8781% | 108 |
| Equity capital to assets | 7.9519% | 5,974 |
| Core capital (leverage) ratio | 7.9151% | 5,939 |
| Tier 1 risk-based capital ratio | 16.8743% | 2,417 |
| Total risk-based capital ratio | 17.7740% | 2,525 |
| Memoranda: | ||
| Average total assets | $84,770,500 | 4,828 |
| Average earning assets | $80,398,250 | 4,769 |
| Average equity | $6,750,500 | 5,355 |
| Average total loans | $62,998,750 | 4,335 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,684 |
| Cost of funding earning assets | 2.5190% | 2 |
| Net interest margin | 1.0949% | 6,305 |
| Noninterest income to average assets | 0.0782% | 6,098 |
| Noninterest expense to average assets | 0.7416% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3767% | 5,212 |
| Return on assets (ROA) | 0.3815% | 5,314 |
| Pretax return on assets | 0.3815% | 5,511 |
| Return on Equity (ROE) | 4.7881% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.7881% | 2,997 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3136% | 3,957 |
| Assets per employee ($millions) | 21.3310% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 6,001 |
| Loan loss allowance to noncurrent loans | 56.8750% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 3,141 |
| Noncurrent loans to loans | 1.0230% | 2,599 |
| Net loans and leases to total assets | 72.8963% | 1,838 |
| Net loans and leases to deposits | 79.8475% | 2,809 |
| Net loans and leases to core deposits | 79.8475% | 3,403 |
| Total domestic deposits to total assets | 91.2944% | 232 |
| Equity capital to assets | 7.9649% | 5,998 |
| Core capital (leverage) ratio | 7.9645% | 5,950 |
| Tier 1 risk-based capital ratio | 17.1313% | 2,357 |
| Total risk-based capital ratio | 18.0489% | 2,441 |
| Memoranda: | ||
| Average total assets | $84,409,330 | 4,886 |
| Average earning assets | $80,192,000 | 4,823 |
| Average equity | $6,725,000 | 5,405 |
| Average total loans | $62,792,000 | 4,378 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 4,593 |
| Cost of funding earning assets | 2.3626% | 3 |
| Net interest margin | 1.2683% | 6,368 |
| Noninterest income to average assets | 0.0619% | 6,198 |
| Noninterest expense to average assets | 0.7623% | 6,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5146% | 4,600 |
| Return on assets (ROA) | 0.5193% | 4,706 |
| Pretax return on assets | 0.5193% | 5,126 |
| Return on Equity (ROE) | 6.5177% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.5177% | 2,234 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7015% | 5,130 |
| Assets per employee ($millions) | 21.1138% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5823% | 6,082 |
| Loan loss allowance to noncurrent loans | 51.6312% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 2,997 |
| Noncurrent loans to loans | 1.1278% | 2,517 |
| Net loans and leases to total assets | 73.5836% | 1,559 |
| Net loans and leases to deposits | 80.0931% | 2,548 |
| Net loans and leases to core deposits | 80.0931% | 3,148 |
| Total domestic deposits to total assets | 91.8726% | 162 |
| Equity capital to assets | 7.9853% | 6,034 |
| Core capital (leverage) ratio | 7.9796% | 5,955 |
| Tier 1 risk-based capital ratio | 18.4046% | 2,031 |
| Total risk-based capital ratio | 19.3980% | 2,047 |
| Memoranda: | ||
| Average total assets | $83,952,000 | 4,941 |
| Average earning assets | $80,420,000 | 4,857 |
| Average equity | $6,689,500 | 5,466 |
| Average total loans | $62,907,000 | 4,398 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 5,001 |
| Cost of funding earning assets | 2.8045% | 2 |
| Net interest margin | 0.8250% | 6,474 |
| Noninterest income to average assets | 0.0817% | 6,216 |
| Noninterest expense to average assets | 0.8417% | 6,466 |
| Loan and lease loss provision to assets | -0.0464% | 6,020 |
| Net operating income to assets | 0.0866% | 5,973 |
| Return on assets (ROA) | 0.0878% | 5,998 |
| Pretax return on assets | 0.0878% | 6,001 |
| Return on Equity (ROE) | 1.0892% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.0892% | 5,283 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4357% | 526 |
| Assets per employee ($millions) | 20.8623% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 6,174 |
| Loan loss allowance to noncurrent loans | 76.3103% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 3,887 |
| Noncurrent loans to loans | 0.7535% | 3,438 |
| Net loans and leases to total assets | 75.4245% | 1,351 |
| Net loans and leases to deposits | 82.6637% | 2,391 |
| Net loans and leases to core deposits | 82.6637% | 3,032 |
| Total domestic deposits to total assets | 91.2426% | 285 |
| Equity capital to assets | 7.9510% | 6,091 |
| Core capital (leverage) ratio | 7.9062% | 6,050 |
| Tier 1 risk-based capital ratio | 16.7356% | 2,628 |
| Total risk-based capital ratio | 17.6537% | 2,702 |
| Memoranda: | ||
| Average total assets | $81,972,400 | 5,014 |
| Average earning assets | $79,515,600 | 4,895 |
| Average equity | $6,610,200 | 5,502 |
| Average total loans | $61,951,400 | 4,426 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 5,000 |
| Cost of funding earning assets | 2.8001% | 2 |
| Net interest margin | 0.8501% | 6,559 |
| Noninterest income to average assets | 0.0670% | 6,339 |
| Noninterest expense to average assets | 0.7647% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1258% | 5,988 |
| Return on assets (ROA) | 0.1274% | 6,017 |
| Pretax return on assets | 0.1274% | 6,031 |
| Return on Equity (ROE) | 1.5748% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.5748% | 5,258 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8716% | 1,194 |
| Assets per employee ($millions) | 20.6480% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 6,182 |
| Loan loss allowance to noncurrent loans | 83.7500% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 4,101 |
| Noncurrent loans to loans | 0.7585% | 3,706 |
| Net loans and leases to total assets | 76.1296% | 1,205 |
| Net loans and leases to deposits | 82.9720% | 2,294 |
| Net loans and leases to core deposits | 82.9720% | 3,005 |
| Total domestic deposits to total assets | 91.7534% | 189 |
| Equity capital to assets | 8.0407% | 6,112 |
| Core capital (leverage) ratio | 7.9702% | 6,091 |
| Tier 1 risk-based capital ratio | 16.5739% | 2,786 |
| Total risk-based capital ratio | 17.5772% | 2,840 |
| Memoranda: | ||
| Average total assets | $81,603,250 | 5,075 |
| Average earning assets | $79,043,500 | 4,965 |
| Average equity | $6,604,000 | 5,555 |
| Average total loans | $61,613,000 | 4,478 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 4,989 |
| Cost of funding earning assets | 2.8000% | 2 |
| Net interest margin | 0.8550% | 6,621 |
| Noninterest income to average assets | 0.0689% | 6,379 |
| Noninterest expense to average assets | 0.7530% | 6,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1403% | 5,966 |
| Return on assets (ROA) | 0.1403% | 6,003 |
| Pretax return on assets | 0.1403% | 6,042 |
| Return on Equity (ROE) | 1.7295% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.7295% | 5,040 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2975% | 1,472 |
| Assets per employee ($millions) | 20.5215% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 6,239 |
| Loan loss allowance to noncurrent loans | 72.4324% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,966 |
| Noncurrent loans to loans | 0.9051% | 3,445 |
| Net loans and leases to total assets | 74.2075% | 1,412 |
| Net loans and leases to deposits | 81.4576% | 2,319 |
| Net loans and leases to core deposits | 81.4576% | 3,039 |
| Total domestic deposits to total assets | 91.0996% | 382 |
| Equity capital to assets | 8.0647% | 6,118 |
| Core capital (leverage) ratio | 7.9846% | 6,110 |
| Tier 1 risk-based capital ratio | 16.3320% | 2,915 |
| Total risk-based capital ratio | 17.3237% | 2,989 |
| Memoranda: | ||
| Average total assets | $81,273,670 | 5,131 |
| Average earning assets | $78,358,330 | 5,014 |
| Average equity | $6,591,670 | 5,586 |
| Average total loans | $61,057,670 | 4,515 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,953 |
| Cost of funding earning assets | 2.7453% | 3 |
| Net interest margin | 0.9219% | 6,697 |
| Noninterest income to average assets | 0.0594% | 6,462 |
| Noninterest expense to average assets | 0.8458% | 6,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1039% | 6,022 |
| Return on assets (ROA) | 0.1039% | 6,052 |
| Pretax return on assets | 0.1039% | 6,074 |
| Return on Equity (ROE) | 1.2771% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.2771% | 5,105 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0625% | 1,123 |
| Assets per employee ($millions) | 16.3110% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 6,331 |
| Loan loss allowance to noncurrent loans | 35.8608% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 2,574 |
| Noncurrent loans to loans | 1.8361% | 2,090 |
| Net loans and leases to total assets | 74.3694% | 1,215 |
| Net loans and leases to deposits | 81.0812% | 2,152 |
| Net loans and leases to core deposits | 81.0812% | 2,845 |
| Total domestic deposits to total assets | 91.7222% | 323 |
| Equity capital to assets | 8.0731% | 6,001 |
| Core capital (leverage) ratio | 8.0632% | 6,074 |
| Tier 1 risk-based capital ratio | 16.4926% | 2,902 |
| Total risk-based capital ratio | 17.4996% | 2,993 |
| Memoranda: | ||
| Average total assets | $80,867,500 | 5,191 |
| Average earning assets | $78,097,500 | 5,065 |
| Average equity | $6,577,500 | 5,625 |
| Average total loans | $60,928,500 | 4,551 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7557% | 4,958 |
| Cost of funding earning assets | 2.8656% | 3 |
| Net interest margin | 0.8901% | 6,767 |
| Noninterest income to average assets | 0.0859% | 6,438 |
| Noninterest expense to average assets | 0.8039% | 6,771 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1403% | 5,957 |
| Return on assets (ROA) | 0.1416% | 6,023 |
| Pretax return on assets | 0.1416% | 6,027 |
| Return on Equity (ROE) | 1.7191% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.7191% | 5,015 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1406% | 1,503 |
| Assets per employee ($millions) | 16.0360% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 6,404 |
| Loan loss allowance to noncurrent loans | 80.8853% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 4,381 |
| Noncurrent loans to loans | 0.8174% | 3,931 |
| Net loans and leases to total assets | 75.3318% | 1,178 |
| Net loans and leases to deposits | 82.8171% | 2,090 |
| Net loans and leases to core deposits | 82.8171% | 2,795 |
| Total domestic deposits to total assets | 90.9616% | 586 |
| Equity capital to assets | 8.1953% | 5,876 |
| Core capital (leverage) ratio | 8.0473% | 6,099 |
| Tier 1 risk-based capital ratio | 16.8194% | 2,696 |
| Total risk-based capital ratio | 17.8484% | 2,767 |
| Memoranda: | ||
| Average total assets | $79,117,600 | 5,259 |
| Average earning assets | $76,283,600 | 5,145 |
| Average equity | $6,515,200 | 5,688 |
| Average total loans | $59,202,600 | 4,640 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 4,922 |
| Cost of funding earning assets | 2.8599% | 2 |
| Net interest margin | 0.9223% | 6,848 |
| Noninterest income to average assets | 0.0727% | 6,568 |
| Noninterest expense to average assets | 0.7947% | 6,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1657% | 6,003 |
| Return on assets (ROA) | 0.1657% | 6,070 |
| Pretax return on assets | 0.1657% | 6,106 |
| Return on Equity (ROE) | 2.0098% | 5,934 |
| Retained earnings to average equity (ytd only) | 2.0098% | 5,125 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7465% | 1,729 |
| Assets per employee ($millions) | 15.9858% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 6,508 |
| Loan loss allowance to noncurrent loans | 80.4000% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 4,566 |
| Noncurrent loans to loans | 0.8018% | 4,237 |
| Net loans and leases to total assets | 77.5125% | 804 |
| Net loans and leases to deposits | 84.6808% | 1,779 |
| Net loans and leases to core deposits | 84.6808% | 2,576 |
| Total domestic deposits to total assets | 91.5350% | 358 |
| Equity capital to assets | 8.2035% | 5,999 |
| Core capital (leverage) ratio | 8.1834% | 6,081 |
| Tier 1 risk-based capital ratio | 16.6303% | 2,887 |
| Total risk-based capital ratio | 17.6499% | 2,948 |
| Memoranda: | ||
| Average total assets | $78,852,000 | 5,316 |
| Average earning assets | $75,898,000 | 5,203 |
| Average equity | $6,501,250 | 5,770 |
| Average total loans | $58,802,500 | 4,687 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 4,789 |
| Cost of funding earning assets | 2.8810% | 2 |
| Net interest margin | 0.9300% | 6,899 |
| Noninterest income to average assets | 0.0713% | 6,608 |
| Noninterest expense to average assets | 0.8230% | 6,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1350% | 6,056 |
| Return on assets (ROA) | 0.1350% | 6,159 |
| Pretax return on assets | 0.1350% | 6,182 |
| Return on Equity (ROE) | 1.6351% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.6351% | 5,208 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9043% | 1,419 |
| Assets per employee ($millions) | 15.9072% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6847% | 6,518 |
| Loan loss allowance to noncurrent loans | 90.5405% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 4,855 |
| Noncurrent loans to loans | 0.7562% | 4,410 |
| Net loans and leases to total assets | 73.3127% | 1,354 |
| Net loans and leases to deposits | 80.6233% | 2,230 |
| Net loans and leases to core deposits | 80.6233% | 2,965 |
| Total domestic deposits to total assets | 90.9324% | 569 |
| Equity capital to assets | 8.1875% | 6,064 |
| Core capital (leverage) ratio | 8.1621% | 6,049 |
| Tier 1 risk-based capital ratio | 16.8910% | 2,749 |
| Total risk-based capital ratio | 17.9338% | 2,818 |
| Memoranda: | ||
| Average total assets | $78,493,000 | 5,360 |
| Average earning assets | $74,836,330 | 5,254 |
| Average equity | $6,482,670 | 5,815 |
| Average total loans | $57,617,670 | 4,761 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 4,553 |
| Cost of funding earning assets | 2.8220% | 2 |
| Net interest margin | 1.0576% | 6,975 |
| Noninterest income to average assets | 0.0667% | 6,682 |
| Noninterest expense to average assets | 0.8567% | 6,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2155% | 5,838 |
| Return on assets (ROA) | 0.2155% | 5,956 |
| Pretax return on assets | 0.2155% | 6,045 |
| Return on Equity (ROE) | 2.5974% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.5974% | 4,722 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9043% | 2,346 |
| Assets per employee ($millions) | 15.7114% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 6,596 |
| Loan loss allowance to noncurrent loans | 90.1345% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 4,973 |
| Noncurrent loans to loans | 0.7809% | 4,558 |
| Net loans and leases to total assets | 72.1883% | 1,320 |
| Net loans and leases to deposits | 78.8655% | 2,230 |
| Net loans and leases to core deposits | 78.8655% | 2,951 |
| Total domestic deposits to total assets | 91.5335% | 346 |
| Equity capital to assets | 8.2602% | 6,213 |
| Core capital (leverage) ratio | 8.1978% | 5,932 |
| Tier 1 risk-based capital ratio | 16.6248% | 2,937 |
| Total risk-based capital ratio | 17.6547% | 3,007 |
| Memoranda: | ||
| Average total assets | $77,971,500 | 5,417 |
| Average earning assets | $74,132,500 | 5,319 |
| Average equity | $6,468,000 | 5,874 |
| Average total loans | $57,070,500 | 4,812 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 5,056 |
| Cost of funding earning assets | 3.0950% | 4 |
| Net interest margin | 0.9752% | 7,031 |
| Noninterest income to average assets | 0.0816% | 6,577 |
| Noninterest expense to average assets | 0.8779% | 7,026 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1290% | 5,947 |
| Return on assets (ROA) | 0.1342% | 6,084 |
| Pretax return on assets | 0.1342% | 6,094 |
| Return on Equity (ROE) | 1.5970% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.5970% | 5,072 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1895% | 1,308 |
| Assets per employee ($millions) | 15.4772% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7049% | 6,629 |
| Loan loss allowance to noncurrent loans | 89.7321% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 5,033 |
| Noncurrent loans to loans | 0.7856% | 4,607 |
| Net loans and leases to total assets | 73.1760% | 1,309 |
| Net loans and leases to deposits | 80.5737% | 2,210 |
| Net loans and leases to core deposits | 80.5737% | 2,931 |
| Total domestic deposits to total assets | 90.8188% | 554 |
| Equity capital to assets | 8.3310% | 6,176 |
| Core capital (leverage) ratio | 8.2010% | 5,996 |
| Tier 1 risk-based capital ratio | 16.5168% | 2,879 |
| Total risk-based capital ratio | 17.5467% | 2,955 |
| Memoranda: | ||
| Average total assets | $75,978,400 | 5,459 |
| Average earning assets | $72,084,800 | 5,369 |
| Average equity | $6,386,800 | 5,921 |
| Average total loans | $55,777,000 | 4,876 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 5,124 |
| Cost of funding earning assets | 3.1161% | 3 |
| Net interest margin | 1.0015% | 7,143 |
| Noninterest income to average assets | 0.0652% | 6,751 |
| Noninterest expense to average assets | 0.8674% | 7,135 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1463% | 6,039 |
| Return on assets (ROA) | 0.1499% | 6,189 |
| Pretax return on assets | 0.1499% | 6,207 |
| Return on Equity (ROE) | 1.7786% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.7786% | 5,440 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5652% | 1,423 |
| Assets per employee ($millions) | 15.3138% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 6,734 |
| Loan loss allowance to noncurrent loans | 89.5323% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 5,203 |
| Noncurrent loans to loans | 0.7997% | 4,807 |
| Net loans and leases to total assets | 72.7997% | 1,421 |
| Net loans and leases to deposits | 79.6348% | 2,453 |
| Net loans and leases to core deposits | 79.6348% | 3,251 |
| Total domestic deposits to total assets | 91.4169% | 304 |
| Equity capital to assets | 8.3977% | 6,357 |
| Core capital (leverage) ratio | 8.2006% | 6,141 |
| Tier 1 risk-based capital ratio | 17.2516% | 2,625 |
| Total risk-based capital ratio | 18.3301% | 2,651 |
| Memoranda: | ||
| Average total assets | $75,626,500 | 5,528 |
| Average earning assets | $71,626,750 | 5,442 |
| Average equity | $6,371,750 | 5,993 |
| Average total loans | $55,463,750 | 4,937 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 5,164 |
| Cost of funding earning assets | 3.2784% | 2 |
| Net interest margin | 0.8617% | 7,215 |
| Noninterest income to average assets | 0.0664% | 6,801 |
| Noninterest expense to average assets | 0.8631% | 7,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0186% | 6,299 |
| Return on assets (ROA) | 0.0186% | 6,436 |
| Pretax return on assets | 0.0186% | 6,426 |
| Return on Equity (ROE) | 0.2204% | 6,432 |
| Retained earnings to average equity (ytd only) | 0.2204% | 5,970 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8916% | 625 |
| Assets per employee ($millions) | 15.2706% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 6,798 |
| Loan loss allowance to noncurrent loans | 73.7615% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 4,465 |
| Noncurrent loans to loans | 0.9802% | 4,549 |
| Net loans and leases to total assets | 72.2971% | 1,514 |
| Net loans and leases to deposits | 79.6413% | 2,433 |
| Net loans and leases to core deposits | 79.6413% | 3,263 |
| Total domestic deposits to total assets | 90.7784% | 531 |
| Equity capital to assets | 8.3193% | 6,361 |
| Core capital (leverage) ratio | 8.2763% | 5,953 |
| Tier 1 risk-based capital ratio | 17.0140% | 2,656 |
| Total risk-based capital ratio | 18.0907% | 2,701 |
| Memoranda: | ||
| Average total assets | $75,312,330 | 5,569 |
| Average earning assets | $71,254,670 | 5,483 |
| Average equity | $6,352,330 | 6,023 |
| Average total loans | $55,237,000 | 4,977 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 5,101 |
| Cost of funding earning assets | 3.2424% | 3 |
| Net interest margin | 0.9586% | 7,275 |
| Noninterest income to average assets | 0.0588% | 6,899 |
| Noninterest expense to average assets | 0.8878% | 7,267 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0802% | 6,278 |
| Return on assets (ROA) | 0.0802% | 6,396 |
| Pretax return on assets | 0.0802% | 6,413 |
| Return on Equity (ROE) | 0.9445% | 6,360 |
| Retained earnings to average equity (ytd only) | 0.9445% | 5,694 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7127% | 963 |
| Assets per employee ($millions) | 15.0704% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 6,834 |
| Loan loss allowance to noncurrent loans | 85.1695% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 4,792 |
| Noncurrent loans to loans | 0.8622% | 4,947 |
| Net loans and leases to total assets | 72.1189% | 1,383 |
| Net loans and leases to deposits | 78.9032% | 2,352 |
| Net loans and leases to core deposits | 78.9032% | 3,198 |
| Total domestic deposits to total assets | 91.4017% | 404 |
| Equity capital to assets | 8.4404% | 6,135 |
| Core capital (leverage) ratio | 8.4722% | 5,638 |
| Tier 1 risk-based capital ratio | 17.3259% | 2,541 |
| Total risk-based capital ratio | 18.4211% | 2,578 |
| Memoranda: | ||
| Average total assets | $74,792,000 | 5,625 |
| Average earning assets | $70,935,500 | 5,532 |
| Average equity | $6,352,500 | 6,059 |
| Average total loans | $55,054,000 | 5,022 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 5,923 |
| Cost of funding earning assets | 3.2950% | 4 |
| Net interest margin | 0.9529% | 7,320 |
| Noninterest income to average assets | 0.0645% | 6,771 |
| Noninterest expense to average assets | 0.8545% | 7,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1331% | 5,779 |
| Return on assets (ROA) | 0.1331% | 5,910 |
| Pretax return on assets | 0.1331% | 5,914 |
| Return on Equity (ROE) | 1.5389% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.5389% | 5,115 |
| Net charge-offs to loans | 0.1321% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.3288% | 4,780 |
| Efficiency ratio | 86.5278% | 1,496 |
| Assets per employee ($millions) | 14.8464% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 6,863 |
| Loan loss allowance to noncurrent loans | 97.8102% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 5,038 |
| Noncurrent loans to loans | 0.7424% | 5,216 |
| Net loans and leases to total assets | 74.0395% | 1,268 |
| Net loans and leases to deposits | 81.7471% | 2,237 |
| Net loans and leases to core deposits | 81.7471% | 3,217 |
| Total domestic deposits to total assets | 90.5715% | 679 |
| Equity capital to assets | 8.5475% | 6,075 |
| Core capital (leverage) ratio | 8.5086% | 5,542 |
| Tier 1 risk-based capital ratio | 17.8245% | 2,256 |
| Total risk-based capital ratio | 18.9538% | 2,273 |
| Memoranda: | ||
| Average total assets | $72,904,000 | 5,670 |
| Average earning assets | $70,623,200 | 5,517 |
| Average equity | $6,303,200 | 6,071 |
| Average total loans | $55,263,200 | 5,060 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 6,055 |
| Cost of funding earning assets | 3.3075% | 6 |
| Net interest margin | 0.9550% | 7,395 |
| Noninterest income to average assets | 0.0551% | 6,938 |
| Noninterest expense to average assets | 0.8819% | 7,386 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1010% | 5,963 |
| Return on assets (ROA) | 0.1010% | 6,077 |
| Pretax return on assets | 0.1010% | 6,090 |
| Return on Equity (ROE) | 1.1653% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.1653% | 5,547 |
| Net charge-offs to loans | 0.1762% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.7534% | 5,047 |
| Efficiency ratio | 89.7196% | 1,187 |
| Assets per employee ($millions) | 14.7310% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 6,928 |
| Loan loss allowance to noncurrent loans | 164.7541% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 5,680 |
| Noncurrent loans to loans | 0.4423% | 5,958 |
| Net loans and leases to total assets | 74.3534% | 1,264 |
| Net loans and leases to deposits | 81.4713% | 2,454 |
| Net loans and leases to core deposits | 81.4713% | 3,412 |
| Total domestic deposits to total assets | 91.2633% | 356 |
| Equity capital to assets | 8.5575% | 6,242 |
| Core capital (leverage) ratio | 8.5110% | 5,697 |
| Tier 1 risk-based capital ratio | 17.5190% | 2,435 |
| Total risk-based capital ratio | 18.6364% | 2,461 |
| Memoranda: | ||
| Average total assets | $72,572,000 | 5,721 |
| Average earning assets | $70,504,250 | 5,566 |
| Average equity | $6,292,750 | 6,114 |
| Average total loans | $55,238,250 | 5,104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 6,059 |
| Cost of funding earning assets | 3.2674% | 7 |
| Net interest margin | 1.0191% | 7,471 |
| Noninterest income to average assets | 0.0388% | 7,084 |
| Noninterest expense to average assets | 0.8808% | 7,462 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1523% | 5,875 |
| Return on assets (ROA) | 0.1523% | 5,969 |
| Pretax return on assets | 0.1523% | 6,014 |
| Return on Equity (ROE) | 1.7490% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.7490% | 5,121 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2547% | 1,675 |
| Assets per employee ($millions) | 14.6274% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 6,759 |
| Loan loss allowance to noncurrent loans | 84.8214% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 5,369 |
| Noncurrent loans to loans | 1.0077% | 4,982 |
| Net loans and leases to total assets | 75.3340% | 1,182 |
| Net loans and leases to deposits | 83.2935% | 2,218 |
| Net loans and leases to core deposits | 83.2935% | 3,320 |
| Total domestic deposits to total assets | 90.4440% | 739 |
| Equity capital to assets | 8.6181% | 6,036 |
| Core capital (leverage) ratio | 8.5998% | 5,411 |
| Tier 1 risk-based capital ratio | 17.4193% | 2,369 |
| Total risk-based capital ratio | 18.6712% | 2,336 |
| Memoranda: | ||
| Average total assets | $72,211,000 | 5,772 |
| Average earning assets | $70,452,670 | 5,620 |
| Average equity | $6,289,330 | 6,144 |
| Average total loans | $55,262,000 | 5,162 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 6,032 |
| Cost of funding earning assets | 3.1457% | 10 |
| Net interest margin | 1.1490% | 7,525 |
| Noninterest income to average assets | 0.0390% | 7,188 |
| Noninterest expense to average assets | 0.8976% | 7,521 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2676% | 5,548 |
| Return on assets (ROA) | 0.2676% | 5,609 |
| Pretax return on assets | 0.2676% | 5,756 |
| Return on Equity (ROE) | 3.0561% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.0561% | 4,331 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0335% | 2,982 |
| Assets per employee ($millions) | 14.4586% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,815 |
| Loan loss allowance to noncurrent loans | 95.5734% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 5,571 |
| Noncurrent loans to loans | 0.8924% | 5,261 |
| Net loans and leases to total assets | 76.3795% | 982 |
| Net loans and leases to deposits | 83.7942% | 2,064 |
| Net loans and leases to core deposits | 83.7942% | 3,190 |
| Total domestic deposits to total assets | 91.1513% | 554 |
| Equity capital to assets | 8.7090% | 5,646 |
| Core capital (leverage) ratio | 8.7168% | 5,058 |
| Tier 1 risk-based capital ratio | 17.5079% | 2,292 |
| Total risk-based capital ratio | 18.7592% | 2,258 |
| Memoranda: | ||
| Average total assets | $71,748,000 | 5,825 |
| Average earning assets | $70,319,000 | 5,654 |
| Average equity | $6,282,500 | 6,160 |
| Average total loans | $55,107,000 | 5,209 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 6,381 |
| Cost of funding earning assets | 3.4796% | 8 |
| Net interest margin | 1.0293% | 7,582 |
| Noninterest income to average assets | 0.0602% | 7,059 |
| Noninterest expense to average assets | 0.9020% | 7,591 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1534% | 5,430 |
| Return on assets (ROA) | 0.1534% | 5,589 |
| Pretax return on assets | 0.1534% | 5,589 |
| Return on Equity (ROE) | 1.7134% | 5,492 |
| Retained earnings to average equity (ytd only) | 1.7134% | 4,660 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4620% | 1,750 |
| Assets per employee ($millions) | 14.2406% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 6,797 |
| Loan loss allowance to noncurrent loans | 95.5734% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 5,607 |
| Noncurrent loans to loans | 0.9116% | 5,232 |
| Net loans and leases to total assets | 75.9055% | 1,291 |
| Net loans and leases to deposits | 84.1212% | 2,431 |
| Net loans and leases to core deposits | 84.1212% | 3,581 |
| Total domestic deposits to total assets | 90.2336% | 969 |
| Equity capital to assets | 8.8044% | 5,425 |
| Core capital (leverage) ratio | 8.8016% | 4,850 |
| Tier 1 risk-based capital ratio | 17.5077% | 2,170 |
| Total risk-based capital ratio | 18.7589% | 2,134 |
| Memoranda: | ||
| Average total assets | $69,735,800 | 5,899 |
| Average earning assets | $67,422,400 | 5,758 |
| Average equity | $6,244,800 | 6,291 |
| Average total loans | $51,390,200 | 5,430 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 6,412 |
| Cost of funding earning assets | 3.4648% | 9 |
| Net interest margin | 1.1083% | 7,700 |
| Noninterest income to average assets | 0.0384% | 7,330 |
| Noninterest expense to average assets | 0.8861% | 7,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2191% | 5,451 |
| Return on assets (ROA) | 0.2191% | 5,615 |
| Pretax return on assets | 0.2191% | 5,685 |
| Return on Equity (ROE) | 2.4364% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.4364% | 4,717 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1739% | 2,315 |
| Assets per employee ($millions) | 14.0742% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,638 |
| Loan loss allowance to noncurrent loans | 95.3815% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 5,697 |
| Noncurrent loans to loans | 0.9779% | 5,282 |
| Net loans and leases to total assets | 71.6929% | 2,323 |
| Net loans and leases to deposits | 78.8506% | 3,663 |
| Net loans and leases to core deposits | 78.8506% | 4,691 |
| Total domestic deposits to total assets | 90.9224% | 476 |
| Equity capital to assets | 8.9184% | 5,685 |
| Core capital (leverage) ratio | 8.9122% | 4,831 |
| Tier 1 risk-based capital ratio | 18.1902% | 1,970 |
| Total risk-based capital ratio | 19.4424% | 1,929 |
| Memoranda: | ||
| Average total assets | $69,369,000 | 5,961 |
| Average earning assets | $66,766,000 | 5,840 |
| Average equity | $6,238,750 | 6,383 |
| Average total loans | $50,607,250 | 5,545 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 6,462 |
| Cost of funding earning assets | 3.4154% | 15 |
| Net interest margin | 1.1846% | 7,769 |
| Noninterest income to average assets | 0.0406% | 7,376 |
| Noninterest expense to average assets | 0.8865% | 7,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2955% | 5,197 |
| Return on assets (ROA) | 0.2955% | 5,348 |
| Pretax return on assets | 0.2955% | 5,511 |
| Return on Equity (ROE) | 3.2764% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.2764% | 4,013 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,263 |
| Assets per employee ($millions) | 13.9676% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 6,681 |
| Loan loss allowance to noncurrent loans | 95.5734% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 5,710 |
| Noncurrent loans to loans | 0.9661% | 5,374 |
| Net loans and leases to total assets | 72.9846% | 2,174 |
| Net loans and leases to deposits | 80.9822% | 3,433 |
| Net loans and leases to core deposits | 80.9822% | 4,554 |
| Total domestic deposits to total assets | 90.1243% | 856 |
| Equity capital to assets | 8.9693% | 5,495 |
| Core capital (leverage) ratio | 9.0144% | 4,580 |
| Tier 1 risk-based capital ratio | 18.1734% | 1,909 |
| Total risk-based capital ratio | 19.4238% | 1,881 |
| Memoranda: | ||
| Average total assets | $69,035,000 | 6,005 |
| Average earning assets | $66,522,000 | 5,885 |
| Average equity | $6,226,330 | 6,396 |
| Average total loans | $50,501,000 | 5,582 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 6,449 |
| Cost of funding earning assets | 3.2650% | 29 |
| Net interest margin | 1.3715% | 7,850 |
| Noninterest income to average assets | 0.0408% | 7,510 |
| Noninterest expense to average assets | 0.8276% | 7,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5304% | 4,230 |
| Return on assets (ROA) | 0.5304% | 4,369 |
| Pretax return on assets | 0.5304% | 4,855 |
| Return on Equity (ROE) | 5.8639% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.8639% | 2,684 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9442% | 6,013 |
| Assets per employee ($millions) | 13.8002% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,694 |
| Loan loss allowance to noncurrent loans | 95.3815% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 5,724 |
| Noncurrent loans to loans | 0.9894% | 5,344 |
| Net loans and leases to total assets | 72.2598% | 2,395 |
| Net loans and leases to deposits | 79.5139% | 3,743 |
| Net loans and leases to core deposits | 79.5139% | 4,827 |
| Total domestic deposits to total assets | 90.8769% | 594 |
| Equity capital to assets | 9.0622% | 5,185 |
| Core capital (leverage) ratio | 9.0986% | 4,377 |
| Tier 1 risk-based capital ratio | 18.8258% | 1,759 |
| Total risk-based capital ratio | 20.0783% | 1,728 |
| Memoranda: | ||
| Average total assets | $68,633,500 | 6,085 |
| Average earning assets | $65,912,000 | 5,969 |
| Average equity | $6,207,500 | 6,450 |
| Average total loans | $50,028,500 | 5,663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 6,829 |
| Cost of funding earning assets | 3.8240% | 15 |
| Net interest margin | 1.0298% | 7,929 |
| Noninterest income to average assets | 0.0825% | 7,340 |
| Noninterest expense to average assets | 0.9391% | 7,949 |
| Loan and lease loss provision to assets | 0.1125% | 6,515 |
| Net operating income to assets | 0.0300% | 5,398 |
| Return on assets (ROA) | 0.0300% | 5,451 |
| Pretax return on assets | 0.0300% | 5,369 |
| Return on Equity (ROE) | 0.3225% | 5,434 |
| Retained earnings to average equity (ytd only) | 0.3225% | 4,729 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8239% | 2,020 |
| Assets per employee ($millions) | 13.6532% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 6,610 |
| Loan loss allowance to noncurrent loans | 95.5734% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 5,654 |
| Noncurrent loans to loans | 0.9996% | 5,317 |
| Net loans and leases to total assets | 72.1399% | 2,725 |
| Net loans and leases to deposits | 80.1468% | 3,961 |
| Net loans and leases to core deposits | 80.1468% | 6,084 |
| Total domestic deposits to total assets | 90.0097% | 953 |
| Equity capital to assets | 9.0265% | 5,101 |
| Core capital (leverage) ratio | 9.0728% | 4,299 |
| Tier 1 risk-based capital ratio | 18.4430% | 1,764 |
| Total risk-based capital ratio | 19.6941% | 1,727 |
| Memoranda: | ||
| Average total assets | $66,656,400 | 6,123 |
| Average earning assets | $64,670,000 | 5,969 |
| Average equity | $6,201,000 | 6,532 |
| Average total loans | $48,616,200 | 5,734 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 6,859 |
| Cost of funding earning assets | 3.8052% | 18 |
| Net interest margin | 1.1043% | 8,003 |
| Noninterest income to average assets | 0.0906% | 7,448 |
| Noninterest expense to average assets | 0.9317% | 8,042 |
| Loan and lease loss provision to assets | 0.0906% | 6,464 |
| Net operating income to assets | 0.1429% | 5,343 |
| Return on assets (ROA) | 0.1429% | 5,412 |
| Pretax return on assets | 0.1429% | 5,435 |
| Return on Equity (ROE) | 1.5241% | 5,325 |
| Retained earnings to average equity (ytd only) | 1.5241% | 4,462 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9655% | 2,849 |
| Assets per employee ($millions) | 13.4664% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,772 |
| Loan loss allowance to noncurrent loans | 89.5372% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 5,653 |
| Noncurrent loans to loans | 1.0005% | 5,303 |
| Net loans and leases to total assets | 73.1138% | 2,759 |
| Net loans and leases to deposits | 80.6319% | 4,271 |
| Net loans and leases to core deposits | 80.6319% | 6,294 |
| Total domestic deposits to total assets | 90.6761% | 526 |
| Equity capital to assets | 9.2274% | 5,118 |
| Core capital (leverage) ratio | 9.2039% | 4,331 |
| Tier 1 risk-based capital ratio | 18.4922% | 1,861 |
| Total risk-based capital ratio | 19.7422% | 1,814 |
| Memoranda: | ||
| Average total assets | $66,254,000 | 6,175 |
| Average earning assets | $64,471,250 | 6,020 |
| Average equity | $6,210,750 | 6,591 |
| Average total loans | $48,339,750 | 5,787 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 6,889 |
| Cost of funding earning assets | 3.9175% | 25 |
| Net interest margin | 1.0463% | 8,096 |
| Noninterest income to average assets | 0.1123% | 7,421 |
| Noninterest expense to average assets | 0.8256% | 8,146 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3065% | 4,866 |
| Return on assets (ROA) | 0.3065% | 4,980 |
| Pretax return on assets | 0.3065% | 5,195 |
| Return on Equity (ROE) | 3.2528% | 4,800 |
| Retained earnings to average equity (ytd only) | 3.2528% | 3,509 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9223% | 4,223 |
| Assets per employee ($millions) | 13.3888% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 7,137 |
| Loan loss allowance to noncurrent loans | 80.4829% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 5,552 |
| Noncurrent loans to loans | 1.0021% | 5,201 |
| Net loans and leases to total assets | 73.4883% | 2,846 |
| Net loans and leases to deposits | 81.9920% | 4,224 |
| Net loans and leases to core deposits | 81.9920% | 6,243 |
| Total domestic deposits to total assets | 89.6286% | 992 |
| Equity capital to assets | 9.3257% | 4,830 |
| Core capital (leverage) ratio | 9.4348% | 3,983 |
| Tier 1 risk-based capital ratio | 18.1330% | 1,980 |
| Total risk-based capital ratio | 19.2948% | 1,944 |
| Memoranda: | ||
| Average total assets | $65,894,670 | 6,229 |
| Average earning assets | $64,225,330 | 6,067 |
| Average equity | $6,210,000 | 6,638 |
| Average total loans | $47,895,000 | 5,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 6,879 |
| Cost of funding earning assets | 3.7687% | 72 |
| Net interest margin | 1.2521% | 8,117 |
| Noninterest income to average assets | 0.1591% | 7,172 |
| Noninterest expense to average assets | 0.7526% | 8,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6303% | 3,882 |
| Return on assets (ROA) | 0.6303% | 4,062 |
| Pretax return on assets | 0.6303% | 4,654 |
| Return on Equity (ROE) | 6.6521% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.6521% | 2,346 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4248% | 7,175 |
| Assets per employee ($millions) | 16.4700% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 7,021 |
| Loan loss allowance to noncurrent loans | 79.6813% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 5,258 |
| Noncurrent loans to loans | 1.0505% | 4,884 |
| Net loans and leases to total assets | 71.9277% | 3,250 |
| Net loans and leases to deposits | 79.5094% | 4,689 |
| Net loans and leases to core deposits | 79.5094% | 6,420 |
| Total domestic deposits to total assets | 90.4645% | 610 |
| Equity capital to assets | 9.4794% | 4,696 |
| Core capital (leverage) ratio | 9.5120% | 3,965 |
| Tier 1 risk-based capital ratio | 18.8682% | 1,844 |
| Total risk-based capital ratio | 20.0767% | 1,805 |
| Memoranda: | ||
| Average total assets | $65,370,000 | 6,276 |
| Average earning assets | $63,894,000 | 6,114 |
| Average equity | $6,193,500 | 6,692 |
| Average total loans | $47,044,500 | 5,912 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 7,702 |
| Cost of funding earning assets | 4.3096% | 31 |
| Net interest margin | 0.8657% | 8,242 |
| Noninterest income to average assets | 0.0449% | 7,915 |
| Noninterest expense to average assets | 0.7636% | 8,238 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1255% | 6,035 |
| Return on assets (ROA) | 0.1255% | 5,880 |
| Pretax return on assets | 0.1255% | 5,892 |
| Return on Equity (ROE) | 1.3287% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.3287% | 4,419 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8885% | 1,861 |
| Assets per employee ($millions) | 16.2150% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 6,833 |
| Loan loss allowance to noncurrent loans | 158.1028% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 6,066 |
| Noncurrent loans to loans | 0.5464% | 5,724 |
| Net loans and leases to total assets | 70.7724% | 3,840 |
| Net loans and leases to deposits | 79.1226% | 5,181 |
| Net loans and leases to core deposits | 79.1226% | 6,683 |
| Total domestic deposits to total assets | 89.4465% | 867 |
| Equity capital to assets | 9.4696% | 4,733 |
| Core capital (leverage) ratio | 9.4772% | 4,040 |
| Tier 1 risk-based capital ratio | 19.4546% | 1,712 |
| Total risk-based capital ratio | 20.7057% | 1,676 |
| Memoranda: | ||
| Average total assets | $64,559,600 | 6,207 |
| Average earning assets | $62,952,800 | 6,053 |
| Average equity | $6,096,200 | 6,772 |
| Average total loans | $45,119,600 | 5,920 |