Home > WCF Financial Bank > Performance and Condition Ratios
WCF Financial 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 | 5.0375% | 1,999 |
| Cost of funding earning assets | 2.2116% | 629 |
| Net interest margin | 2.8260% | 3,610 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 3.1175% | 934 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -0.1190% | 4,437 |
| Return on assets (ROA) | -0.1062% | 4,413 |
| Pretax return on assets | -0.2084% | 4,428 |
| Return on Equity (ROE) | -0.9300% | 4,384 |
| Retained earnings to average equity (ytd only) | -0.9335% | 4,175 |
| Net charge-offs to loans | -0.0053% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.7949% | 136 |
| Assets per employee ($millions) | 7.2299% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 4,055 |
| Loan loss allowance to noncurrent loans | 316.3793% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 2,347 |
| Noncurrent loans to loans | 0.2369% | 2,360 |
| Net loans and leases to total assets | 74.6900% | 1,273 |
| Net loans and leases to deposits | 102.0073% | 434 |
| Net loans and leases to core deposits | 135.9239% | 319 |
| Total domestic deposits to total assets | 73.2200% | 4,153 |
| Equity capital to assets | 10.3926% | 1,786 |
| Core capital (leverage) ratio | 11.4235% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4943% | 1,181 |
| Memoranda: | ||
| Average total assets | $178,029,600 | 3,141 |
| Average earning assets | $163,730,800 | 3,144 |
| Average equity | $20,247,400 | 2,835 |
| Average total loans | $133,167,800 | 2,835 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 2,067 |
| Cost of funding earning assets | 1.9336% | 806 |
| Net interest margin | 2.9629% | 3,413 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.7182% | 1,608 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2792% | 4,139 |
| Return on assets (ROA) | 0.2985% | 4,121 |
| Pretax return on assets | 0.3546% | 4,111 |
| Return on Equity (ROE) | 2.5600% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.5628% | 3,620 |
| Net charge-offs to loans | -0.0051% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.1314% | 439 |
| Assets per employee ($millions) | 7.1113% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 4,047 |
| Loan loss allowance to noncurrent loans | 420.1550% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 2,637 |
| Noncurrent loans to loans | 0.1818% | 2,633 |
| Net loans and leases to total assets | 76.1600% | 1,101 |
| Net loans and leases to deposits | 105.9626% | 292 |
| Net loans and leases to core deposits | 143.7291% | 181 |
| Total domestic deposits to total assets | 71.8800% | 4,257 |
| Equity capital to assets | 10.9651% | 1,356 |
| Core capital (leverage) ratio | 12.2822% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1826% | 1,274 |
| Memoranda: | ||
| Average total assets | $173,735,500 | 3,182 |
| Average earning assets | $160,111,250 | 3,180 |
| Average equity | $20,237,500 | 2,824 |
| Average total loans | $129,735,500 | 2,867 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 2,156 |
| Cost of funding earning assets | 1.6407% | 981 |
| Net interest margin | 3.0839% | 3,259 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.7786% | 1,464 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.3271% | 4,118 |
| Return on assets (ROA) | 0.3564% | 4,101 |
| Pretax return on assets | 0.4317% | 4,070 |
| Return on Equity (ROE) | 3.0000% | 4,155 |
| Retained earnings to average equity (ytd only) | 2.9962% | 3,478 |
| Net charge-offs to loans | -0.0191% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.5519% | 475 |
| Assets per employee ($millions) | 6.8106% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,009 |
| Loan loss allowance to noncurrent loans | 298.0609% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 2,172 |
| Noncurrent loans to loans | 0.2699% | 2,188 |
| Net loans and leases to total assets | 74.9200% | 1,177 |
| Net loans and leases to deposits | 103.5158% | 383 |
| Net loans and leases to core deposits | 137.3331% | 241 |
| Total domestic deposits to total assets | 72.3800% | 4,279 |
| Equity capital to assets | 11.5313% | 1,196 |
| Core capital (leverage) ratio | 12.6594% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1858% | 932 |
| Memoranda: | ||
| Average total assets | $170,015,667 | 3,212 |
| Average earning assets | $157,009,667 | 3,210 |
| Average equity | $20,225,333 | 2,848 |
| Average total loans | $125,679,333 | 2,890 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 2,397 |
| Cost of funding earning assets | 1.3315% | 1,166 |
| Net interest margin | 3.1363% | 3,274 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.9216% | 1,189 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.2201% | 4,336 |
| Return on assets (ROA) | 0.2979% | 4,216 |
| Pretax return on assets | 0.3892% | 4,148 |
| Return on Equity (ROE) | 2.4600% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.4642% | 3,612 |
| Net charge-offs to loans | -0.0395% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.9408% | 363 |
| Assets per employee ($millions) | 6.9400% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 3,972 |
| Loan loss allowance to noncurrent loans | 156.7208% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 1,326 |
| Noncurrent loans to loans | 0.5459% | 1,354 |
| Net loans and leases to total assets | 70.8700% | 1,540 |
| Net loans and leases to deposits | 96.1398% | 644 |
| Net loans and leases to core deposits | 125.8323% | 328 |
| Total domestic deposits to total assets | 73.7100% | 4,298 |
| Equity capital to assets | 11.7297% | 1,079 |
| Core capital (leverage) ratio | 13.4197% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8479% | 1,018 |
| Memoranda: | ||
| Average total assets | $166,486,000 | 3,287 |
| Average earning assets | $153,813,500 | 3,281 |
| Average equity | $20,128,500 | 2,881 |
| Average total loans | $121,645,000 | 2,958 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 1,946 |
| Cost of funding earning assets | 0.6126% | 852 |
| Net interest margin | 3.3045% | 2,555 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.9502% | 1,045 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.4096% | 4,232 |
| Return on assets (ROA) | 0.4392% | 4,153 |
| Pretax return on assets | 0.5307% | 4,128 |
| Return on Equity (ROE) | 3.2000% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.2016% | 3,665 |
| Net charge-offs to loans | 0.0559% | 1,097 |
| Credit loss provision to net charge-offs | 203.3898% | 1,109 |
| Earnings coverage of net charge-offs (x) | 14.5085% | 2,026 |
| Efficiency ratio | 83.6704% | 504 |
| Assets per employee ($millions) | 6.3789% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 4,030 |
| Loan loss allowance to noncurrent loans | 174.2230% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 1,483 |
| Noncurrent loans to loans | 0.4586% | 1,562 |
| Net loans and leases to total assets | 74.1900% | 1,199 |
| Net loans and leases to deposits | 99.3076% | 469 |
| Net loans and leases to core deposits | 123.4393% | 314 |
| Total domestic deposits to total assets | 74.7100% | 4,330 |
| Equity capital to assets | 12.4824% | 808 |
| Core capital (leverage) ratio | 14.0138% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6376% | 764 |
| Memoranda: | ||
| Average total assets | $148,669,800 | 3,454 |
| Average earning assets | $137,115,800 | 3,448 |
| Average equity | $20,395,800 | 2,917 |
| Average total loans | $105,521,400 | 3,076 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 1,881 |
| Cost of funding earning assets | 0.4911% | 780 |
| Net interest margin | 3.2634% | 2,413 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.9357% | 1,002 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.4411% | 4,179 |
| Return on assets (ROA) | 0.4823% | 4,060 |
| Pretax return on assets | 0.5663% | 4,042 |
| Return on Equity (ROE) | 3.4300% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.4310% | 3,655 |
| Net charge-offs to loans | 0.0235% | 1,357 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,423 |
| Efficiency ratio | 83.0276% | 607 |
| Assets per employee ($millions) | 5.9578% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 3,971 |
| Loan loss allowance to noncurrent loans | 319.5364% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,246 |
| Noncurrent loans to loans | 0.2681% | 2,305 |
| Net loans and leases to total assets | 72.1000% | 1,287 |
| Net loans and leases to deposits | 96.0647% | 551 |
| Net loans and leases to core deposits | 119.1179% | 273 |
| Total domestic deposits to total assets | 75.0500% | 4,406 |
| Equity capital to assets | 12.8190% | 708 |
| Core capital (leverage) ratio | 14.2598% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4972% | 790 |
| Memoranda: | ||
| Average total assets | $145,969,250 | 3,503 |
| Average earning assets | $134,660,750 | 3,497 |
| Average equity | $20,518,250 | 2,949 |
| Average total loans | $102,083,750 | 3,122 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 1,753 |
| Cost of funding earning assets | 0.4304% | 761 |
| Net interest margin | 3.1975% | 2,196 |
| Noninterest income to average assets | 0.3888% | 2,823 |
| Noninterest expense to average assets | 2.9344% | 935 |
| Loan and lease loss provision to assets | 0.0839% | 1,183 |
| Net operating income to assets | 0.3003% | 4,288 |
| Return on assets (ROA) | 0.3693% | 4,126 |
| Pretax return on assets | 0.3958% | 4,169 |
| Return on Equity (ROE) | 2.5460% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.5460% | 3,606 |
| Net charge-offs to loans | 0.0548% | 838 |
| Credit loss provision to net charge-offs | 222.2222% | 924 |
| Earnings coverage of net charge-offs (x) | 10.7407% | 1,749 |
| Efficiency ratio | 87.8559% | 493 |
| Assets per employee ($millions) | 5.9782% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 3,995 |
| Loan loss allowance to noncurrent loans | 358.9147% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 2,384 |
| Noncurrent loans to loans | 0.2469% | 2,497 |
| Net loans and leases to total assets | 69.3056% | 1,366 |
| Net loans and leases to deposits | 91.7457% | 622 |
| Net loans and leases to core deposits | 110.7014% | 339 |
| Total domestic deposits to total assets | 75.5410% | 4,480 |
| Equity capital to assets | 13.3004% | 612 |
| Core capital (leverage) ratio | 14.7195% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6351% | 572 |
| Memoranda: | ||
| Average total assets | $142,991,333 | 3,575 |
| Average earning assets | $131,976,667 | 3,575 |
| Average equity | $20,738,667 | 2,996 |
| Average total loans | $98,563,667 | 3,204 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 1,902 |
| Cost of funding earning assets | 0.3686% | 1,069 |
| Net interest margin | 3.1002% | 2,175 |
| Noninterest income to average assets | 0.3892% | 2,761 |
| Noninterest expense to average assets | 2.9594% | 870 |
| Loan and lease loss provision to assets | 0.0859% | 967 |
| Net operating income to assets | 0.1765% | 4,361 |
| Return on assets (ROA) | 0.2919% | 4,136 |
| Pretax return on assets | 0.3463% | 4,116 |
| Return on Equity (ROE) | 1.9273% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.9273% | 3,564 |
| Net charge-offs to loans | 0.0042% | 1,618 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 665 |
| Efficiency ratio | 90.9411% | 508 |
| Assets per employee ($millions) | 6.0175% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,029 |
| Loan loss allowance to noncurrent loans | 503.2787% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,840 |
| Noncurrent loans to loans | 0.1800% | 2,917 |
| Net loans and leases to total assets | 69.7415% | 1,044 |
| Net loans and leases to deposits | 97.0169% | 255 |
| Net loans and leases to core deposits | 118.4593% | 158 |
| Total domestic deposits to total assets | 71.8860% | 4,626 |
| Equity capital to assets | 14.3492% | 471 |
| Core capital (leverage) ratio | 15.1771% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7089% | 450 |
| Memoranda: | ||
| Average total assets | $139,760,000 | 3,623 |
| Average earning assets | $129,154,500 | 3,618 |
| Average equity | $21,169,000 | 3,046 |
| Average total loans | $95,592,500 | 3,255 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 2,271 |
| Cost of funding earning assets | 0.4352% | 1,284 |
| Net interest margin | 3.2071% | 2,579 |
| Noninterest income to average assets | 0.3964% | 3,068 |
| Noninterest expense to average assets | 2.6806% | 1,685 |
| Loan and lease loss provision to assets | 0.0947% | 1,321 |
| Net operating income to assets | 0.4783% | 4,133 |
| Return on assets (ROA) | 0.5508% | 4,029 |
| Pretax return on assets | 0.6798% | 3,971 |
| Return on Equity (ROE) | 3.5089% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.5089% | 3,417 |
| Net charge-offs to loans | 0.0853% | 951 |
| Credit loss provision to net charge-offs | 175.6757% | 1,384 |
| Earnings coverage of net charge-offs (x) | 12.7027% | 2,105 |
| Efficiency ratio | 79.6493% | 828 |
| Assets per employee ($millions) | 5.8740% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,768 |
| Loan loss allowance to noncurrent loans | 271.4286% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,237 |
| Noncurrent loans to loans | 0.3674% | 2,270 |
| Net loans and leases to total assets | 65.6183% | 1,518 |
| Net loans and leases to deposits | 89.0213% | 607 |
| Net loans and leases to core deposits | 108.6077% | 309 |
| Total domestic deposits to total assets | 73.7108% | 4,596 |
| Equity capital to assets | 15.9991% | 382 |
| Core capital (leverage) ratio | 15.4769% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8241% | 409 |
| Memoranda: | ||
| Average total assets | $137,243,000 | 3,605 |
| Average earning assets | $127,062,000 | 3,609 |
| Average equity | $21,545,000 | 3,089 |
| Average total loans | $86,742,600 | 3,382 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 2,346 |
| Cost of funding earning assets | 0.4482% | 1,362 |
| Net interest margin | 3.2250% | 2,649 |
| Noninterest income to average assets | 0.3881% | 3,166 |
| Noninterest expense to average assets | 2.5993% | 1,838 |
| Loan and lease loss provision to assets | 0.0965% | 1,238 |
| Net operating income to assets | 0.5402% | 4,119 |
| Return on assets (ROA) | 0.6184% | 4,023 |
| Pretax return on assets | 0.7771% | 3,933 |
| Return on Equity (ROE) | 3.9576% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.9576% | 3,587 |
| Net charge-offs to loans | 0.1023% | 730 |
| Credit loss provision to net charge-offs | 151.5152% | 1,352 |
| Earnings coverage of net charge-offs (x) | 12.1515% | 1,964 |
| Efficiency ratio | 77.0069% | 957 |
| Assets per employee ($millions) | 5.8950% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,685 |
| Loan loss allowance to noncurrent loans | 223.9075% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 2,337 |
| Noncurrent loans to loans | 0.4671% | 2,160 |
| Net loans and leases to total assets | 60.7771% | 2,166 |
| Net loans and leases to deposits | 84.3551% | 939 |
| Net loans and leases to core deposits | 103.3499% | 480 |
| Total domestic deposits to total assets | 72.0491% | 4,681 |
| Equity capital to assets | 16.0941% | 406 |
| Core capital (leverage) ratio | 15.2129% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9615% | 307 |
| Memoranda: | ||
| Average total assets | $137,778,500 | 3,642 |
| Average earning assets | $127,623,500 | 3,636 |
| Average equity | $21,527,500 | 3,125 |
| Average total loans | $86,042,250 | 3,436 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 2,083 |
| Cost of funding earning assets | 0.4628% | 1,431 |
| Net interest margin | 3.3317% | 2,349 |
| Noninterest income to average assets | 0.3826% | 3,202 |
| Noninterest expense to average assets | 2.5226% | 2,072 |
| Loan and lease loss provision to assets | 0.1011% | 1,254 |
| Net operating income to assets | 0.6663% | 3,841 |
| Return on assets (ROA) | 0.7610% | 3,678 |
| Pretax return on assets | 0.9660% | 3,510 |
| Return on Equity (ROE) | 4.9184% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.9184% | 3,213 |
| Net charge-offs to loans | 0.1587% | 527 |
| Credit loss provision to net charge-offs | 101.4493% | 1,351 |
| Earnings coverage of net charge-offs (x) | 9.5072% | 1,828 |
| Efficiency ratio | 72.7008% | 1,361 |
| Assets per employee ($millions) | 6.5196% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,987 |
| Loan loss allowance to noncurrent loans | 308.8561% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 2,958 |
| Noncurrent loans to loans | 0.3088% | 2,820 |
| Net loans and leases to total assets | 63.4967% | 2,012 |
| Net loans and leases to deposits | 87.5962% | 803 |
| Net loans and leases to core deposits | 105.4845% | 487 |
| Total domestic deposits to total assets | 72.4880% | 4,701 |
| Equity capital to assets | 15.8453% | 427 |
| Core capital (leverage) ratio | 15.1129% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4663% | 356 |
| Memoranda: | ||
| Average total assets | $138,510,000 | 3,650 |
| Average earning assets | $128,342,333 | 3,644 |
| Average equity | $21,429,667 | 3,134 |
| Average total loans | $86,964,667 | 3,443 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 1,817 |
| Cost of funding earning assets | 0.4929% | 1,433 |
| Net interest margin | 3.4132% | 2,074 |
| Noninterest income to average assets | 0.3675% | 3,256 |
| Noninterest expense to average assets | 2.6244% | 1,819 |
| Loan and lease loss provision to assets | 0.1149% | 1,197 |
| Net operating income to assets | 0.6317% | 3,860 |
| Return on assets (ROA) | 0.6317% | 3,929 |
| Pretax return on assets | 0.7896% | 3,830 |
| Return on Equity (ROE) | 4.1319% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.1319% | 3,468 |
| Net charge-offs to loans | 0.1294% | 567 |
| Credit loss provision to net charge-offs | 142.8571% | 998 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,463 |
| Efficiency ratio | 74.3694% | 1,273 |
| Assets per employee ($millions) | 7.2478% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,986 |
| Loan loss allowance to noncurrent loans | 183.5498% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 2,374 |
| Noncurrent loans to loans | 0.5245% | 2,284 |
| Net loans and leases to total assets | 63.3514% | 2,119 |
| Net loans and leases to deposits | 87.9595% | 831 |
| Net loans and leases to core deposits | 93.2569% | 1,027 |
| Total domestic deposits to total assets | 72.0234% | 4,717 |
| Equity capital to assets | 15.4435% | 444 |
| Core capital (leverage) ratio | 14.9765% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2982% | 388 |
| Memoranda: | ||
| Average total assets | $139,309,500 | 3,646 |
| Average earning assets | $129,029,500 | 3,642 |
| Average equity | $21,297,500 | 3,133 |
| Average total loans | $86,561,500 | 3,461 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4573% | 4,102 |
| Cost of funding earning assets | 0.8223% | 1,119 |
| Net interest margin | 2.6349% | 4,453 |
| Noninterest income to average assets | 0.4403% | 2,912 |
| Noninterest expense to average assets | 2.7004% | 2,237 |
| Loan and lease loss provision to assets | 0.2461% | 1,572 |
| Net operating income to assets | 0.0249% | 4,713 |
| Return on assets (ROA) | 0.0267% | 4,750 |
| Pretax return on assets | -0.0741% | 4,789 |
| Return on Equity (ROE) | 0.1726% | 4,756 |
| Retained earnings to average equity (ytd only) | 0.1726% | 4,471 |
| Net charge-offs to loans | 0.0886% | 1,571 |
| Credit loss provision to net charge-offs | 495.5224% | 1,262 |
| Earnings coverage of net charge-offs (x) | 3.4179% | 3,089 |
| Efficiency ratio | 94.0857% | 266 |
| Assets per employee ($millions) | 7.4164% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,927 |
| Loan loss allowance to noncurrent loans | 220.5805% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 2,958 |
| Noncurrent loans to loans | 0.4457% | 2,638 |
| Net loans and leases to total assets | 59.7533% | 2,894 |
| Net loans and leases to deposits | 86.7521% | 1,194 |
| Net loans and leases to core deposits | 106.6040% | 620 |
| Total domestic deposits to total assets | 68.8782% | 4,795 |
| Equity capital to assets | 15.1358% | 551 |
| Core capital (leverage) ratio | 15.0263% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7577% | 325 |
| Memoranda: | ||
| Average total assets | $134,905,600 | 3,566 |
| Average earning assets | $124,405,000 | 3,578 |
| Average equity | $20,858,600 | 3,108 |
| Average total loans | $75,646,800 | 3,630 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5043% | 4,204 |
| Cost of funding earning assets | 0.8918% | 1,094 |
| Net interest margin | 2.6125% | 4,557 |
| Noninterest income to average assets | 0.4278% | 2,947 |
| Noninterest expense to average assets | 2.7125% | 2,226 |
| Loan and lease loss provision to assets | 0.2541% | 1,599 |
| Net operating income to assets | -0.0593% | 4,794 |
| Return on assets (ROA) | -0.0570% | 4,812 |
| Pretax return on assets | -0.1289% | 4,820 |
| Return on Equity (ROE) | -0.3664% | 4,809 |
| Retained earnings to average equity (ytd only) | -0.3664% | 4,539 |
| Net charge-offs to loans | 0.1219% | 1,149 |
| Credit loss provision to net charge-offs | 379.1045% | 1,521 |
| Earnings coverage of net charge-offs (x) | 1.8209% | 3,041 |
| Efficiency ratio | 95.6982% | 233 |
| Assets per employee ($millions) | 6.4290% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 3,907 |
| Loan loss allowance to noncurrent loans | 202.1333% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,053 |
| Noncurrent loans to loans | 0.4678% | 2,651 |
| Net loans and leases to total assets | 58.8153% | 3,340 |
| Net loans and leases to deposits | 86.2172% | 1,672 |
| Net loans and leases to core deposits | 102.2575% | 1,016 |
| Total domestic deposits to total assets | 68.2177% | 4,805 |
| Equity capital to assets | 15.7160% | 504 |
| Core capital (leverage) ratio | 15.5270% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4061% | 296 |
| Memoranda: | ||
| Average total assets | $133,404,250 | 3,573 |
| Average earning assets | $122,894,750 | 3,581 |
| Average equity | $20,741,250 | 3,117 |
| Average total loans | $73,299,750 | 3,683 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 4,487 |
| Cost of funding earning assets | 0.9498% | 1,151 |
| Net interest margin | 2.4953% | 4,740 |
| Noninterest income to average assets | 0.3823% | 3,191 |
| Noninterest expense to average assets | 2.6041% | 2,647 |
| Loan and lease loss provision to assets | 0.2393% | 1,759 |
| Net operating income to assets | -0.0813% | 4,825 |
| Return on assets (ROA) | -0.0813% | 4,828 |
| Pretax return on assets | -0.1596% | 4,837 |
| Return on Equity (ROE) | -0.5247% | 4,823 |
| Retained earnings to average equity (ytd only) | -0.5247% | 4,407 |
| Net charge-offs to loans | 0.0620% | 1,628 |
| Credit loss provision to net charge-offs | 722.7273% | 982 |
| Earnings coverage of net charge-offs (x) | 2.4091% | 2,777 |
| Efficiency ratio | 97.0275% | 225 |
| Assets per employee ($millions) | 6.4164% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 3,970 |
| Loan loss allowance to noncurrent loans | 344.1748% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,351 |
| Noncurrent loans to loans | 0.2637% | 3,442 |
| Net loans and leases to total assets | 57.4460% | 3,558 |
| Net loans and leases to deposits | 81.0328% | 2,309 |
| Net loans and leases to core deposits | 96.7611% | 1,519 |
| Total domestic deposits to total assets | 70.8922% | 4,756 |
| Equity capital to assets | 15.6452% | 520 |
| Core capital (leverage) ratio | 15.8235% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6585% | 269 |
| Memoranda: | ||
| Average total assets | $132,869,333 | 3,563 |
| Average earning assets | $122,550,667 | 3,570 |
| Average equity | $20,582,333 | 3,126 |
| Average total loans | $71,011,667 | 3,732 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3798% | 4,752 |
| Cost of funding earning assets | 1.0159% | 1,353 |
| Net interest margin | 2.3639% | 4,896 |
| Noninterest income to average assets | 0.4123% | 3,015 |
| Noninterest expense to average assets | 2.5316% | 3,177 |
| Loan and lease loss provision to assets | 0.1213% | 2,179 |
| Net operating income to assets | -0.0061% | 4,754 |
| Return on assets (ROA) | -0.0061% | 4,744 |
| Pretax return on assets | -0.0606% | 4,760 |
| Return on Equity (ROE) | -0.0393% | 4,744 |
| Retained earnings to average equity (ytd only) | -0.0393% | 3,999 |
| Net charge-offs to loans | 0.1364% | 914 |
| Credit loss provision to net charge-offs | 173.9130% | 1,494 |
| Earnings coverage of net charge-offs (x) | 0.8696% | 2,434 |
| Efficiency ratio | 97.6608% | 282 |
| Assets per employee ($millions) | 6.4678% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 4,256 |
| Loan loss allowance to noncurrent loans | 109.0573% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 2,643 |
| Noncurrent loans to loans | 0.7861% | 2,044 |
| Net loans and leases to total assets | 52.7494% | 4,073 |
| Net loans and leases to deposits | 73.7633% | 3,297 |
| Net loans and leases to core deposits | 89.5718% | 2,389 |
| Total domestic deposits to total assets | 71.5117% | 4,791 |
| Equity capital to assets | 15.6623% | 640 |
| Core capital (leverage) ratio | 16.1956% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7371% | 219 |
| Memoranda: | ||
| Average total assets | $131,932,000 | 3,562 |
| Average earning assets | $121,662,500 | 3,555 |
| Average equity | $20,333,000 | 3,142 |
| Average total loans | $67,460,500 | 3,814 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 4,767 |
| Cost of funding earning assets | 1.1877% | 1,054 |
| Net interest margin | 2.4235% | 5,003 |
| Noninterest income to average assets | 0.4934% | 2,778 |
| Noninterest expense to average assets | 2.4880% | 3,484 |
| Loan and lease loss provision to assets | 0.0931% | 2,170 |
| Net operating income to assets | 0.1383% | 4,900 |
| Return on assets (ROA) | 0.1877% | 4,871 |
| Pretax return on assets | 0.1916% | 4,889 |
| Return on Equity (ROE) | 1.2280% | 4,890 |
| Retained earnings to average equity (ytd only) | 1.2280% | 4,303 |
| Net charge-offs to loans | 0.0839% | 1,917 |
| Credit loss provision to net charge-offs | 210.5263% | 1,264 |
| Earnings coverage of net charge-offs (x) | 5.2982% | 3,105 |
| Efficiency ratio | 91.3936% | 301 |
| Assets per employee ($millions) | 6.7255% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,101 |
| Loan loss allowance to noncurrent loans | 109.1603% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 2,771 |
| Noncurrent loans to loans | 0.7928% | 1,921 |
| Net loans and leases to total assets | 48.7142% | 4,386 |
| Net loans and leases to deposits | 70.5974% | 3,617 |
| Net loans and leases to core deposits | 85.4124% | 2,835 |
| Total domestic deposits to total assets | 69.0028% | 4,970 |
| Equity capital to assets | 15.1707% | 757 |
| Core capital (leverage) ratio | 16.1307% | 501 |
| Tier 1 risk-based capital ratio | 34.3697% | 344 |
| Total risk-based capital ratio | 35.3469% | 346 |
| Memoranda: | ||
| Average total assets | $128,897,000 | 3,580 |
| Average earning assets | $118,546,000 | 3,579 |
| Average equity | $19,707,400 | 3,162 |
| Average total loans | $67,922,000 | 3,813 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,809 |
| Cost of funding earning assets | 1.2031% | 1,031 |
| Net interest margin | 2.4711% | 5,079 |
| Noninterest income to average assets | 0.5082% | 2,677 |
| Noninterest expense to average assets | 2.4889% | 3,468 |
| Loan and lease loss provision to assets | 0.0941% | 2,027 |
| Net operating income to assets | 0.1937% | 4,955 |
| Return on assets (ROA) | 0.2165% | 4,953 |
| Pretax return on assets | 0.2186% | 4,973 |
| Return on Equity (ROE) | 1.4130% | 4,974 |
| Retained earnings to average equity (ytd only) | 1.4130% | 4,458 |
| Net charge-offs to loans | 0.0877% | 1,592 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 6.1553% | 2,858 |
| Efficiency ratio | 89.5747% | 338 |
| Assets per employee ($millions) | 7.3929% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 4,356 |
| Loan loss allowance to noncurrent loans | 111.2676% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 2,550 |
| Noncurrent loans to loans | 0.7360% | 2,122 |
| Net loans and leases to total assets | 53.2885% | 4,233 |
| Net loans and leases to deposits | 75.6432% | 3,331 |
| Net loans and leases to core deposits | 89.5325% | 2,583 |
| Total domestic deposits to total assets | 70.4472% | 4,976 |
| Equity capital to assets | 16.0344% | 627 |
| Core capital (leverage) ratio | 15.9032% | 573 |
| Tier 1 risk-based capital ratio | 34.6680% | 352 |
| Total risk-based capital ratio | 35.6332% | 355 |
| Memoranda: | ||
| Average total assets | $127,494,000 | 3,635 |
| Average earning assets | $117,137,750 | 3,633 |
| Average equity | $19,532,750 | 3,197 |
| Average total loans | $68,378,250 | 3,843 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 4,870 |
| Cost of funding earning assets | 1.2028% | 987 |
| Net interest margin | 2.4566% | 5,150 |
| Noninterest income to average assets | 0.4137% | 3,178 |
| Noninterest expense to average assets | 2.5231% | 3,405 |
| Loan and lease loss provision to assets | 0.0937% | 1,977 |
| Net operating income to assets | 0.0812% | 5,070 |
| Return on assets (ROA) | 0.0984% | 5,069 |
| Pretax return on assets | 0.0687% | 5,084 |
| Return on Equity (ROE) | 0.6520% | 5,075 |
| Retained earnings to average equity (ytd only) | 0.6520% | 4,523 |
| Net charge-offs to loans | 0.0583% | 1,809 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 4.6500% | 2,720 |
| Efficiency ratio | 94.5582% | 226 |
| Assets per employee ($millions) | 6.6144% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 4,480 |
| Loan loss allowance to noncurrent loans | 99.8182% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 1,837 |
| Noncurrent loans to loans | 0.7897% | 2,012 |
| Net loans and leases to total assets | 54.9819% | 4,143 |
| Net loans and leases to deposits | 77.9966% | 3,150 |
| Net loans and leases to core deposits | 90.9412% | 2,517 |
| Total domestic deposits to total assets | 70.4927% | 5,030 |
| Equity capital to assets | 15.8036% | 649 |
| Core capital (leverage) ratio | 15.7097% | 587 |
| Tier 1 risk-based capital ratio | 33.6373% | 376 |
| Total risk-based capital ratio | 34.5749% | 375 |
| Memoranda: | ||
| Average total assets | $128,098,670 | 3,645 |
| Average earning assets | $117,560,000 | 3,653 |
| Average equity | $19,326,330 | 3,213 |
| Average total loans | $68,662,330 | 3,865 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 4,987 |
| Cost of funding earning assets | 1.1565% | 1,025 |
| Net interest margin | 2.4109% | 5,219 |
| Noninterest income to average assets | 0.3805% | 3,324 |
| Noninterest expense to average assets | 2.5582% | 3,345 |
| Loan and lease loss provision to assets | 0.0928% | 1,873 |
| Net operating income to assets | -0.0650% | 5,168 |
| Return on assets (ROA) | -0.0309% | 5,161 |
| Pretax return on assets | -0.0247% | 5,153 |
| Return on Equity (ROE) | -0.2099% | 5,160 |
| Retained earnings to average equity (ytd only) | -0.2099% | 4,561 |
| Net charge-offs to loans | 0.0587% | 1,455 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 1.1000% | 2,625 |
| Efficiency ratio | 98.6874% | 194 |
| Assets per employee ($millions) | 6.7368% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 4,707 |
| Loan loss allowance to noncurrent loans | 116.0088% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 2,047 |
| Noncurrent loans to loans | 0.6330% | 2,432 |
| Net loans and leases to total assets | 55.8648% | 4,074 |
| Net loans and leases to deposits | 78.5368% | 3,002 |
| Net loans and leases to core deposits | 92.9121% | 2,219 |
| Total domestic deposits to total assets | 71.1320% | 5,075 |
| Equity capital to assets | 15.0336% | 750 |
| Core capital (leverage) ratio | 15.7964% | 562 |
| Tier 1 risk-based capital ratio | 32.9962% | 388 |
| Total risk-based capital ratio | 33.8865% | 391 |
| Memoranda: | ||
| Average total assets | $129,311,000 | 3,667 |
| Average earning assets | $118,630,000 | 3,674 |
| Average equity | $19,059,000 | 3,257 |
| Average total loans | $68,170,000 | 3,911 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 4,874 |
| Cost of funding earning assets | 0.9766% | 827 |
| Net interest margin | 2.5591% | 5,180 |
| Noninterest income to average assets | 0.7563% | 1,619 |
| Noninterest expense to average assets | 2.7567% | 2,837 |
| Loan and lease loss provision to assets | 0.0634% | 2,893 |
| Net operating income to assets | 0.2568% | 5,053 |
| Return on assets (ROA) | 0.2464% | 5,061 |
| Pretax return on assets | 0.2708% | 5,068 |
| Return on Equity (ROE) | 1.6156% | 5,092 |
| Retained earnings to average equity (ytd only) | 1.6156% | 4,495 |
| Net charge-offs to loans | 0.1618% | 1,188 |
| Credit loss provision to net charge-offs | 72.8972% | 2,954 |
| Earnings coverage of net charge-offs (x) | 3.9720% | 3,357 |
| Efficiency ratio | 88.8598% | 396 |
| Assets per employee ($millions) | 5.9374% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 4,562 |
| Loan loss allowance to noncurrent loans | 83.0343% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 1,765 |
| Noncurrent loans to loans | 0.9533% | 1,693 |
| Net loans and leases to total assets | 48.8394% | 4,591 |
| Net loans and leases to deposits | 75.2530% | 3,407 |
| Net loans and leases to core deposits | 84.1656% | 3,075 |
| Total domestic deposits to total assets | 64.9002% | 5,263 |
| Equity capital to assets | 14.4501% | 853 |
| Core capital (leverage) ratio | 16.3333% | 474 |
| Tier 1 risk-based capital ratio | 34.3522% | 331 |
| Total risk-based capital ratio | 35.2458% | 335 |
| Memoranda: | ||
| Average total assets | $122,973,600 | 3,745 |
| Average earning assets | $112,734,200 | 3,764 |
| Average equity | $18,754,200 | 3,205 |
| Average total loans | $66,131,400 | 3,962 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 4,744 |
| Cost of funding earning assets | 0.9455% | 764 |
| Net interest margin | 2.6899% | 5,173 |
| Noninterest income to average assets | 0.8811% | 1,250 |
| Noninterest expense to average assets | 2.7798% | 2,703 |
| Loan and lease loss provision to assets | 0.0650% | 2,670 |
| Net operating income to assets | 0.4124% | 4,930 |
| Return on assets (ROA) | 0.3998% | 4,959 |
| Pretax return on assets | 0.4868% | 4,921 |
| Return on Equity (ROE) | 2.5849% | 5,062 |
| Retained earnings to average equity (ytd only) | 2.5849% | 4,375 |
| Net charge-offs to loans | 0.1402% | 1,162 |
| Credit loss provision to net charge-offs | 84.2857% | 2,479 |
| Earnings coverage of net charge-offs (x) | 7.3572% | 2,817 |
| Efficiency ratio | 83.0536% | 702 |
| Assets per employee ($millions) | 4.8345% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,557 |
| Loan loss allowance to noncurrent loans | 151.4368% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 2,067 |
| Noncurrent loans to loans | 0.5391% | 2,766 |
| Net loans and leases to total assets | 55.1803% | 4,280 |
| Net loans and leases to deposits | 80.5384% | 2,980 |
| Net loans and leases to core deposits | 85.0444% | 3,079 |
| Total domestic deposits to total assets | 68.5142% | 5,271 |
| Equity capital to assets | 16.0239% | 535 |
| Core capital (leverage) ratio | 16.2031% | 492 |
| Tier 1 risk-based capital ratio | 34.2642% | 338 |
| Total risk-based capital ratio | 35.1887% | 338 |
| Memoranda: | ||
| Average total assets | $121,061,500 | 3,811 |
| Average earning assets | $110,981,000 | 3,828 |
| Average equity | $18,724,000 | 3,233 |
| Average total loans | $66,588,250 | 3,981 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 4,833 |
| Cost of funding earning assets | 0.9022% | 727 |
| Net interest margin | 2.6605% | 5,241 |
| Noninterest income to average assets | 1.1031% | 791 |
| Noninterest expense to average assets | 2.6837% | 3,069 |
| Loan and lease loss provision to assets | 0.0635% | 2,630 |
| Net operating income to assets | 0.6391% | 4,380 |
| Return on assets (ROA) | 0.6208% | 4,442 |
| Pretax return on assets | 0.7789% | 4,309 |
| Return on Equity (ROE) | 4.0601% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.0601% | 3,580 |
| Net charge-offs to loans | 0.1368% | 1,095 |
| Credit loss provision to net charge-offs | 84.7826% | 2,211 |
| Earnings coverage of net charge-offs (x) | 11.5435% | 2,262 |
| Efficiency ratio | 75.6198% | 1,480 |
| Assets per employee ($millions) | 4.9647% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 4,661 |
| Loan loss allowance to noncurrent loans | 69.8684% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 2,244 |
| Noncurrent loans to loans | 1.1587% | 1,504 |
| Net loans and leases to total assets | 54.6008% | 4,286 |
| Net loans and leases to deposits | 77.9399% | 3,171 |
| Net loans and leases to core deposits | 82.0828% | 3,233 |
| Total domestic deposits to total assets | 70.0551% | 5,278 |
| Equity capital to assets | 15.6691% | 560 |
| Core capital (leverage) ratio | 15.9681% | 504 |
| Tier 1 risk-based capital ratio | 38.8223% | 251 |
| Total risk-based capital ratio | 39.8758% | 247 |
| Memoranda: | ||
| Average total assets | $122,739,670 | 3,812 |
| Average earning assets | $112,837,670 | 3,832 |
| Average equity | $18,768,000 | 3,244 |
| Average total loans | $67,267,330 | 3,992 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 4,932 |
| Cost of funding earning assets | 0.8876% | 640 |
| Net interest margin | 2.5754% | 5,337 |
| Noninterest income to average assets | 1.7280% | 335 |
| Noninterest expense to average assets | 2.5792% | 3,395 |
| Loan and lease loss provision to assets | 0.0642% | 2,486 |
| Net operating income to assets | 1.1161% | 2,351 |
| Return on assets (ROA) | 1.0857% | 2,511 |
| Pretax return on assets | 1.4133% | 1,961 |
| Return on Equity (ROE) | 7.1850% | 3,709 |
| Retained earnings to average equity (ytd only) | 7.1850% | 2,191 |
| Net charge-offs to loans | 0.0059% | 2,520 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 472.0000% | 133 |
| Efficiency ratio | 62.9804% | 3,639 |
| Assets per employee ($millions) | 4.7854% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 4,711 |
| Loan loss allowance to noncurrent loans | 78.4507% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 2,446 |
| Noncurrent loans to loans | 1.0549% | 1,737 |
| Net loans and leases to total assets | 53.6477% | 4,317 |
| Net loans and leases to deposits | 75.2559% | 3,295 |
| Net loans and leases to core deposits | 81.8313% | 3,152 |
| Total domestic deposits to total assets | 71.2870% | 5,321 |
| Equity capital to assets | 15.0489% | 658 |
| Core capital (leverage) ratio | 15.7214% | 530 |
| Tier 1 risk-based capital ratio | 35.3898% | 321 |
| Total risk-based capital ratio | 36.4014% | 322 |
| Memoranda: | ||
| Average total assets | $124,533,500 | 3,821 |
| Average earning assets | $114,468,000 | 3,839 |
| Average equity | $18,817,000 | 3,269 |
| Average total loans | $68,106,500 | 4,008 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 4,850 |
| Cost of funding earning assets | 0.6488% | 1,297 |
| Net interest margin | 2.8095% | 5,157 |
| Noninterest income to average assets | 0.4590% | 3,252 |
| Noninterest expense to average assets | 2.7733% | 2,876 |
| Loan and lease loss provision to assets | 0.0640% | 2,943 |
| Net operating income to assets | 0.2240% | 5,060 |
| Return on assets (ROA) | 0.2240% | 5,081 |
| Pretax return on assets | 0.1853% | 5,324 |
| Return on Equity (ROE) | 1.4004% | 5,169 |
| Retained earnings to average equity (ytd only) | 1.4004% | 4,445 |
| Net charge-offs to loans | 0.0399% | 2,996 |
| Credit loss provision to net charge-offs | 304.0000% | 928 |
| Earnings coverage of net charge-offs (x) | 11.8400% | 2,528 |
| Efficiency ratio | 91.7526% | 357 |
| Assets per employee ($millions) | 5.2083% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 4,883 |
| Loan loss allowance to noncurrent loans | 67.2500% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 1,777 |
| Noncurrent loans to loans | 1.1610% | 1,528 |
| Net loans and leases to total assets | 54.6952% | 4,297 |
| Net loans and leases to deposits | 76.9852% | 3,230 |
| Net loans and leases to core deposits | 83.7014% | 3,080 |
| Total domestic deposits to total assets | 71.0464% | 5,362 |
| Equity capital to assets | 15.3224% | 622 |
| Core capital (leverage) ratio | 16.6949% | 391 |
| Tier 1 risk-based capital ratio | 34.7235% | 327 |
| Total risk-based capital ratio | 35.6889% | 326 |
| Memoranda: | ||
| Average total assets | $118,738,000 | 3,916 |
| Average earning assets | $108,346,200 | 3,945 |
| Average equity | $18,995,000 | 3,243 |
| Average total loans | $62,636,400 | 4,138 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 4,724 |
| Cost of funding earning assets | 0.6478% | 1,254 |
| Net interest margin | 2.8883% | 5,103 |
| Noninterest income to average assets | 0.4847% | 3,121 |
| Noninterest expense to average assets | 2.8447% | 2,582 |
| Loan and lease loss provision to assets | 0.0614% | 2,842 |
| Net operating income to assets | 0.2446% | 5,307 |
| Return on assets (ROA) | 0.2446% | 5,321 |
| Pretax return on assets | 0.2116% | 5,375 |
| Return on Equity (ROE) | 1.5123% | 5,373 |
| Retained earnings to average equity (ytd only) | 1.5123% | 4,814 |
| Net charge-offs to loans | 0.0546% | 2,359 |
| Credit loss provision to net charge-offs | 216.0000% | 1,272 |
| Earnings coverage of net charge-offs (x) | 9.6007% | 2,675 |
| Efficiency ratio | 91.2409% | 367 |
| Assets per employee ($millions) | 4.8551% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 4,693 |
| Loan loss allowance to noncurrent loans | 81.2598% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,752 |
| Noncurrent loans to loans | 1.0695% | 1,804 |
| Net loans and leases to total assets | 52.7062% | 4,521 |
| Net loans and leases to deposits | 67.8057% | 4,128 |
| Net loans and leases to core deposits | 71.3934% | 4,161 |
| Total domestic deposits to total assets | 77.7313% | 4,766 |
| Equity capital to assets | 17.2108% | 407 |
| Core capital (leverage) ratio | 16.3883% | 448 |
| Tier 1 risk-based capital ratio | 39.3464% | 231 |
| Total risk-based capital ratio | 40.4003% | 230 |
| Memoranda: | ||
| Average total assets | $117,172,500 | 3,977 |
| Average earning assets | $106,819,750 | 4,009 |
| Average equity | $18,955,500 | 3,280 |
| Average total loans | $61,068,750 | 4,217 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 4,742 |
| Cost of funding earning assets | 0.6499% | 1,142 |
| Net interest margin | 2.8593% | 5,155 |
| Noninterest income to average assets | 0.4823% | 3,134 |
| Noninterest expense to average assets | 2.8183% | 2,687 |
| Loan and lease loss provision to assets | 0.0605% | 2,753 |
| Net operating income to assets | 0.2487% | 5,326 |
| Return on assets (ROA) | 0.2487% | 5,340 |
| Pretax return on assets | 0.2134% | 5,422 |
| Return on Equity (ROE) | 1.5688% | 5,403 |
| Retained earnings to average equity (ytd only) | 1.5688% | 4,623 |
| Net charge-offs to loans | 0.0811% | 1,804 |
| Credit loss provision to net charge-offs | 144.0000% | 1,558 |
| Earnings coverage of net charge-offs (x) | 6.5200% | 2,702 |
| Efficiency ratio | 91.1413% | 392 |
| Assets per employee ($millions) | 5.1336% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 4,950 |
| Loan loss allowance to noncurrent loans | 105.9448% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 3,456 |
| Noncurrent loans to loans | 0.7571% | 2,499 |
| Net loans and leases to total assets | 52.2698% | 4,547 |
| Net loans and leases to deposits | 68.2578% | 4,044 |
| Net loans and leases to core deposits | 72.7946% | 4,035 |
| Total domestic deposits to total assets | 76.5770% | 5,020 |
| Equity capital to assets | 16.2054% | 511 |
| Core capital (leverage) ratio | 16.1128% | 464 |
| Tier 1 risk-based capital ratio | 37.2448% | 258 |
| Total risk-based capital ratio | 38.2142% | 261 |
| Memoranda: | ||
| Average total assets | $119,007,330 | 3,975 |
| Average earning assets | $108,629,000 | 4,004 |
| Average equity | $18,867,670 | 3,292 |
| Average total loans | $61,634,330 | 4,216 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5043% | 4,685 |
| Cost of funding earning assets | 0.6458% | 1,097 |
| Net interest margin | 2.8585% | 5,152 |
| Noninterest income to average assets | 0.4955% | 3,010 |
| Noninterest expense to average assets | 2.6583% | 3,284 |
| Loan and lease loss provision to assets | 0.0603% | 2,593 |
| Net operating income to assets | 0.3649% | 5,038 |
| Return on assets (ROA) | 0.3649% | 5,057 |
| Pretax return on assets | 0.3850% | 5,185 |
| Return on Equity (ROE) | 2.3273% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.3273% | 4,210 |
| Net charge-offs to loans | 0.0326% | 2,121 |
| Credit loss provision to net charge-offs | 360.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,299 |
| Efficiency ratio | 85.6526% | 827 |
| Assets per employee ($millions) | 5.6919% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 5,036 |
| Loan loss allowance to noncurrent loans | 66.8449% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 2,754 |
| Noncurrent loans to loans | 1.2143% | 1,670 |
| Net loans and leases to total assets | 51.1165% | 4,587 |
| Net loans and leases to deposits | 66.3226% | 4,146 |
| Net loans and leases to core deposits | 70.4433% | 4,113 |
| Total domestic deposits to total assets | 77.0725% | 5,103 |
| Equity capital to assets | 15.7409% | 534 |
| Core capital (leverage) ratio | 15.9833% | 461 |
| Tier 1 risk-based capital ratio | 36.6852% | 281 |
| Total risk-based capital ratio | 37.6446% | 284 |
| Memoranda: | ||
| Average total assets | $119,475,000 | 4,002 |
| Average earning assets | $109,008,000 | 4,026 |
| Average equity | $18,734,500 | 3,318 |
| Average total loans | $61,344,000 | 4,264 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 5,047 |
| Cost of funding earning assets | 0.5867% | 1,442 |
| Net interest margin | 2.7792% | 5,322 |
| Noninterest income to average assets | 0.3291% | 4,383 |
| Noninterest expense to average assets | 2.7617% | 3,153 |
| Loan and lease loss provision to assets | 0.0496% | 3,405 |
| Net operating income to assets | 0.0899% | 5,572 |
| Return on assets (ROA) | 0.1918% | 5,483 |
| Pretax return on assets | 0.2266% | 5,466 |
| Return on Equity (ROE) | 1.4885% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.4885% | 4,669 |
| Net charge-offs to loans | 0.1314% | 1,929 |
| Credit loss provision to net charge-offs | 76.9231% | 3,023 |
| Earnings coverage of net charge-offs (x) | 2.4231% | 3,832 |
| Efficiency ratio | 94.6444% | 356 |
| Assets per employee ($millions) | 5.4282% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 5,115 |
| Loan loss allowance to noncurrent loans | 73.4540% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,916 |
| Noncurrent loans to loans | 1.0853% | 1,921 |
| Net loans and leases to total assets | 50.7465% | 4,709 |
| Net loans and leases to deposits | 65.7467% | 4,267 |
| Net loans and leases to core deposits | 69.5089% | 4,286 |
| Total domestic deposits to total assets | 77.1849% | 5,094 |
| Equity capital to assets | 15.6204% | 544 |
| Core capital (leverage) ratio | 15.9835% | 465 |
| Tier 1 risk-based capital ratio | 36.7583% | 281 |
| Total risk-based capital ratio | 37.7008% | 281 |
| Memoranda: | ||
| Average total assets | $120,938,400 | 3,978 |
| Average earning assets | $112,658,800 | 3,956 |
| Average equity | $15,586,200 | 3,747 |
| Average total loans | $59,365,600 | 4,322 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 5,163 |
| Cost of funding earning assets | 0.5717% | 1,536 |
| Net interest margin | 2.7608% | 5,419 |
| Noninterest income to average assets | 0.2978% | 4,634 |
| Noninterest expense to average assets | 2.6014% | 3,654 |
| Loan and lease loss provision to assets | 0.0220% | 3,804 |
| Net operating income to assets | 0.2119% | 5,445 |
| Return on assets (ROA) | 0.3143% | 5,338 |
| Pretax return on assets | 0.3857% | 5,331 |
| Return on Equity (ROE) | 2.5731% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.5731% | 4,367 |
| Net charge-offs to loans | 0.1154% | 1,792 |
| Credit loss provision to net charge-offs | 39.2157% | 3,154 |
| Earnings coverage of net charge-offs (x) | 5.0194% | 3,186 |
| Efficiency ratio | 90.2402% | 547 |
| Assets per employee ($millions) | 5.5426% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 5,209 |
| Loan loss allowance to noncurrent loans | 65.7420% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 3,015 |
| Noncurrent loans to loans | 1.2037% | 1,865 |
| Net loans and leases to total assets | 48.7338% | 4,907 |
| Net loans and leases to deposits | 63.7669% | 4,507 |
| Net loans and leases to core deposits | 67.3715% | 4,516 |
| Total domestic deposits to total assets | 76.4249% | 5,176 |
| Equity capital to assets | 15.7457% | 591 |
| Core capital (leverage) ratio | 15.2025% | 596 |
| Tier 1 risk-based capital ratio | 36.6452% | 300 |
| Total risk-based capital ratio | 37.5616% | 308 |
| Memoranda: | ||
| Average total assets | $121,317,750 | 3,988 |
| Average earning assets | $113,586,500 | 3,960 |
| Average equity | $14,819,250 | 3,862 |
| Average total loans | $58,934,750 | 4,365 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3105% | 5,273 |
| Cost of funding earning assets | 0.5777% | 1,482 |
| Net interest margin | 2.7329% | 5,530 |
| Noninterest income to average assets | 0.2939% | 4,676 |
| Noninterest expense to average assets | 2.6207% | 3,656 |
| Loan and lease loss provision to assets | 0.0330% | 3,488 |
| Net operating income to assets | 0.2444% | 5,437 |
| Return on assets (ROA) | 0.2692% | 5,468 |
| Pretax return on assets | 0.2196% | 5,595 |
| Return on Equity (ROE) | 2.4403% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.4403% | 4,332 |
| Net charge-offs to loans | 0.0307% | 2,857 |
| Credit loss provision to net charge-offs | 222.2222% | 1,206 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 2,000 |
| Efficiency ratio | 92.0000% | 495 |
| Assets per employee ($millions) | 6.2640% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 5,056 |
| Loan loss allowance to noncurrent loans | 76.7857% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 3,523 |
| Noncurrent loans to loans | 1.1326% | 2,036 |
| Net loans and leases to total assets | 42.6794% | 5,307 |
| Net loans and leases to deposits | 50.9976% | 5,291 |
| Net loans and leases to core deposits | 53.3010% | 5,310 |
| Total domestic deposits to total assets | 83.6890% | 3,387 |
| Equity capital to assets | 9.8455% | 4,392 |
| Core capital (leverage) ratio | 11.1963% | 2,240 |
| Tier 1 risk-based capital ratio | 23.7432% | 925 |
| Total risk-based capital ratio | 24.6723% | 951 |
| Memoranda: | ||
| Average total assets | $121,111,000 | 4,023 |
| Average earning assets | $113,214,670 | 3,995 |
| Average equity | $13,359,000 | 4,097 |
| Average total loans | $58,613,330 | 4,392 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 4,774 |
| Cost of funding earning assets | 0.6257% | 1,177 |
| Net interest margin | 2.9188% | 5,291 |
| Noninterest income to average assets | 0.2909% | 4,645 |
| Noninterest expense to average assets | 2.7846% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2660% | 5,392 |
| Return on assets (ROA) | 0.3193% | 5,327 |
| Pretax return on assets | 0.2731% | 5,551 |
| Return on Equity (ROE) | 2.7161% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.7161% | 4,152 |
| Net charge-offs to loans | 0.0206% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,455 |
| Efficiency ratio | 92.6800% | 513 |
| Assets per employee ($millions) | 5.1452% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 5,197 |
| Loan loss allowance to noncurrent loans | 58.4400% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 2,789 |
| Noncurrent loans to loans | 1.4661% | 1,606 |
| Net loans and leases to total assets | 51.3159% | 4,702 |
| Net loans and leases to deposits | 64.6467% | 4,376 |
| Net loans and leases to core deposits | 68.2341% | 4,383 |
| Total domestic deposits to total assets | 79.3789% | 4,880 |
| Equity capital to assets | 11.7761% | 2,180 |
| Core capital (leverage) ratio | 11.7035% | 1,825 |
| Tier 1 risk-based capital ratio | 26.5114% | 699 |
| Total risk-based capital ratio | 27.5264% | 701 |
| Memoranda: | ||
| Average total assets | $112,762,000 | 4,208 |
| Average earning assets | $104,839,000 | 4,192 |
| Average equity | $13,254,500 | 4,122 |
| Average total loans | $58,254,000 | 4,431 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 4,685 |
| Cost of funding earning assets | 0.5932% | 1,411 |
| Net interest margin | 3.0039% | 5,129 |
| Noninterest income to average assets | 0.4105% | 3,948 |
| Noninterest expense to average assets | 2.8282% | 3,115 |
| Loan and lease loss provision to assets | 0.1714% | 1,335 |
| Net operating income to assets | 0.1928% | 5,593 |
| Return on assets (ROA) | 0.3636% | 5,250 |
| Pretax return on assets | 0.3987% | 5,322 |
| Return on Equity (ROE) | 3.0422% | 5,290 |
| Retained earnings to average equity (ytd only) | -4.5066% | 5,893 |
| Net charge-offs to loans | 0.0810% | 2,672 |
| Credit loss provision to net charge-offs | 413.0435% | 743 |
| Earnings coverage of net charge-offs (x) | 9.2174% | 2,846 |
| Efficiency ratio | 88.0865% | 831 |
| Assets per employee ($millions) | 5.3490% | 1,955 |
| Cash dividends to net income (ytd only)* | 248.1390% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 5,193 |
| Loan loss allowance to noncurrent loans | 62.4227% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 2,883 |
| Noncurrent loans to loans | 1.3968% | 1,672 |
| Net loans and leases to total assets | 51.1124% | 4,767 |
| Net loans and leases to deposits | 64.4326% | 4,433 |
| Net loans and leases to core deposits | 67.2413% | 4,493 |
| Total domestic deposits to total assets | 79.3268% | 4,901 |
| Equity capital to assets | 11.7325% | 2,167 |
| Core capital (leverage) ratio | 12.2374% | 1,487 |
| Tier 1 risk-based capital ratio | 26.7466% | 690 |
| Total risk-based capital ratio | 27.7837% | 677 |
| Memoranda: | ||
| Average total assets | $110,848,800 | 4,243 |
| Average earning assets | $103,331,200 | 4,202 |
| Average equity | $13,247,200 | 4,087 |
| Average total loans | $56,823,600 | 4,472 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 4,702 |
| Cost of funding earning assets | 0.6263% | 1,235 |
| Net interest margin | 2.9850% | 5,233 |
| Noninterest income to average assets | 0.1291% | 5,829 |
| Noninterest expense to average assets | 2.4559% | 4,330 |
| Loan and lease loss provision to assets | 0.1569% | 1,379 |
| Net operating income to assets | 0.2550% | 5,566 |
| Return on assets (ROA) | 0.4658% | 5,009 |
| Pretax return on assets | 0.5515% | 5,092 |
| Return on Equity (ROE) | 3.8800% | 5,073 |
| Retained earnings to average equity (ytd only) | -6.1719% | 6,060 |
| Net charge-offs to loans | 0.1037% | 2,097 |
| Credit loss provision to net charge-offs | 295.4545% | 975 |
| Earnings coverage of net charge-offs (x) | 8.6129% | 2,787 |
| Efficiency ratio | 84.2999% | 1,142 |
| Assets per employee ($millions) | 5.1559% | 2,107 |
| Cash dividends to net income (ytd only)* | 259.0693% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 5,581 |
| Loan loss allowance to noncurrent loans | 73.6409% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 3,601 |
| Noncurrent loans to loans | 1.0474% | 2,386 |
| Net loans and leases to total assets | 53.1106% | 4,653 |
| Net loans and leases to deposits | 64.2270% | 4,538 |
| Net loans and leases to core deposits | 67.0065% | 4,623 |
| Total domestic deposits to total assets | 82.6921% | 3,921 |
| Equity capital to assets | 12.0943% | 2,034 |
| Core capital (leverage) ratio | 11.7700% | 1,840 |
| Tier 1 risk-based capital ratio | 26.9755% | 688 |
| Total risk-based capital ratio | 27.9022% | 697 |
| Memoranda: | ||
| Average total assets | $110,478,750 | 4,296 |
| Average earning assets | $103,044,750 | 4,259 |
| Average equity | $13,264,250 | 4,128 |
| Average total loans | $56,549,750 | 4,525 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 4,676 |
| Cost of funding earning assets | 0.6422% | 1,149 |
| Net interest margin | 2.9739% | 5,280 |
| Noninterest income to average assets | 0.2751% | 4,982 |
| Noninterest expense to average assets | 2.3774% | 4,627 |
| Loan and lease loss provision to assets | 0.1439% | 1,502 |
| Net operating income to assets | 0.4007% | 5,130 |
| Return on assets (ROA) | 0.6618% | 4,173 |
| Pretax return on assets | 0.8704% | 4,066 |
| Return on Equity (ROE) | 5.5252% | 4,359 |
| Retained earnings to average equity (ytd only) | -9.4890% | 6,168 |
| Net charge-offs to loans | 0.2140% | 1,189 |
| Credit loss provision to net charge-offs | 133.3333% | 1,666 |
| Earnings coverage of net charge-offs (x) | 6.2167% | 2,812 |
| Efficiency ratio | 77.9941% | 2,075 |
| Assets per employee ($millions) | 5.3639% | 1,869 |
| Cash dividends to net income (ytd only)* | 271.7391% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 5,872 |
| Loan loss allowance to noncurrent loans | 105.2486% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 4,461 |
| Noncurrent loans to loans | 0.6327% | 3,577 |
| Net loans and leases to total assets | 50.4523% | 4,894 |
| Net loans and leases to deposits | 59.8022% | 4,865 |
| Net loans and leases to core deposits | 62.6516% | 4,895 |
| Total domestic deposits to total assets | 84.3654% | 3,413 |
| Equity capital to assets | 11.5668% | 2,356 |
| Core capital (leverage) ratio | 11.6370% | 1,900 |
| Tier 1 risk-based capital ratio | 27.0669% | 704 |
| Total risk-based capital ratio | 27.8605% | 721 |
| Memoranda: | ||
| Average total assets | $111,213,670 | 4,313 |
| Average earning assets | $103,703,000 | 4,279 |
| Average equity | $13,320,670 | 4,143 |
| Average total loans | $56,065,000 | 4,582 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 4,453 |
| Cost of funding earning assets | 0.6597% | 1,051 |
| Net interest margin | 3.0152% | 5,173 |
| Noninterest income to average assets | 0.2353% | 5,282 |
| Noninterest expense to average assets | 2.4036% | 4,581 |
| Loan and lease loss provision to assets | 0.1448% | 1,410 |
| Net operating income to assets | 0.3655% | 5,203 |
| Return on assets (ROA) | 0.8290% | 3,246 |
| Pretax return on assets | 1.1258% | 2,970 |
| Return on Equity (ROE) | 6.8021% | 3,607 |
| Retained earnings to average equity (ytd only) | -22.9013% | 6,297 |
| Net charge-offs to loans | 0.2018% | 1,126 |
| Credit loss provision to net charge-offs | 142.8571% | 1,288 |
| Earnings coverage of net charge-offs (x) | 6.3571% | 2,302 |
| Efficiency ratio | 78.8599% | 2,067 |
| Assets per employee ($millions) | 5.2605% | 2,044 |
| Cash dividends to net income (ytd only)* | 436.6812% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6718% | 5,953 |
| Loan loss allowance to noncurrent loans | 130.4196% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 4,861 |
| Noncurrent loans to loans | 0.5151% | 4,034 |
| Net loans and leases to total assets | 49.9222% | 4,860 |
| Net loans and leases to deposits | 58.2035% | 4,899 |
| Net loans and leases to core deposits | 61.5502% | 4,871 |
| Total domestic deposits to total assets | 85.7717% | 3,056 |
| Equity capital to assets | 11.8005% | 2,199 |
| Core capital (leverage) ratio | 11.6069% | 1,921 |
| Tier 1 risk-based capital ratio | 27.5592% | 676 |
| Total risk-based capital ratio | 28.3589% | 684 |
| Memoranda: | ||
| Average total assets | $110,500,000 | 4,356 |
| Average earning assets | $103,077,000 | 4,324 |
| Average equity | $13,466,500 | 4,156 |
| Average total loans | $55,492,000 | 4,624 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,226 |
| Cost of funding earning assets | 0.6815% | 1,202 |
| Net interest margin | 3.1931% | 4,947 |
| Noninterest income to average assets | 0.2748% | 5,151 |
| Noninterest expense to average assets | 2.5775% | 4,303 |
| Loan and lease loss provision to assets | 0.0167% | 4,273 |
| Net operating income to assets | 0.5591% | 4,562 |
| Return on assets (ROA) | 0.4410% | 5,150 |
| Pretax return on assets | 0.5590% | 5,075 |
| Return on Equity (ROE) | 3.6477% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.6477% | 3,623 |
| Net charge-offs to loans | 0.1760% | 2,265 |
| Credit loss provision to net charge-offs | 19.3548% | 3,980 |
| Earnings coverage of net charge-offs (x) | 8.3978% | 2,883 |
| Efficiency ratio | 78.0433% | 2,203 |
| Assets per employee ($millions) | 5.2633% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6509% | 6,071 |
| Loan loss allowance to noncurrent loans | 78.6492% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 4,435 |
| Noncurrent loans to loans | 0.8276% | 3,242 |
| Net loans and leases to total assets | 49.8516% | 4,992 |
| Net loans and leases to deposits | 58.9360% | 4,985 |
| Net loans and leases to core deposits | 62.3745% | 4,971 |
| Total domestic deposits to total assets | 84.5861% | 3,463 |
| Equity capital to assets | 12.5731% | 1,600 |
| Core capital (leverage) ratio | 12.3431% | 1,424 |
| Tier 1 risk-based capital ratio | 29.0692% | 561 |
| Total risk-based capital ratio | 29.8404% | 573 |
| Memoranda: | ||
| Average total assets | $107,701,200 | 4,425 |
| Average earning assets | $102,127,800 | 4,352 |
| Average equity | $13,021,800 | 4,194 |
| Average total loans | $52,838,800 | 4,729 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 4,204 |
| Cost of funding earning assets | 0.8339% | 582 |
| Net interest margin | 3.0567% | 5,368 |
| Noninterest income to average assets | 0.2542% | 5,398 |
| Noninterest expense to average assets | 2.4998% | 4,524 |
| Loan and lease loss provision to assets | 0.0100% | 4,223 |
| Net operating income to assets | 0.4987% | 4,880 |
| Return on assets (ROA) | 0.5034% | 4,923 |
| Pretax return on assets | 0.6605% | 4,837 |
| Return on Equity (ROE) | 4.2072% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.2072% | 3,657 |
| Net charge-offs to loans | 0.2274% | 1,683 |
| Credit loss provision to net charge-offs | 8.9888% | 3,718 |
| Earnings coverage of net charge-offs (x) | 5.9890% | 3,157 |
| Efficiency ratio | 79.0075% | 2,055 |
| Assets per employee ($millions) | 5.4620% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 6,175 |
| Loan loss allowance to noncurrent loans | 74.2678% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 4,520 |
| Noncurrent loans to loans | 0.8610% | 3,418 |
| Net loans and leases to total assets | 50.4952% | 4,950 |
| Net loans and leases to deposits | 59.5331% | 4,984 |
| Net loans and leases to core deposits | 61.2825% | 5,089 |
| Total domestic deposits to total assets | 84.8187% | 3,411 |
| Equity capital to assets | 12.4954% | 1,704 |
| Core capital (leverage) ratio | 12.4786% | 1,410 |
| Tier 1 risk-based capital ratio | 29.5961% | 551 |
| Total risk-based capital ratio | 30.3670% | 561 |
| Memoranda: | ||
| Average total assets | $106,994,000 | 4,483 |
| Average earning assets | $101,850,000 | 4,392 |
| Average equity | $12,803,000 | 4,256 |
| Average total loans | $52,183,000 | 4,786 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 4,198 |
| Cost of funding earning assets | 0.8499% | 556 |
| Net interest margin | 3.0348% | 5,428 |
| Noninterest income to average assets | 0.1977% | 5,775 |
| Noninterest expense to average assets | 2.5187% | 4,521 |
| Loan and lease loss provision to assets | 0.0151% | 3,961 |
| Net operating income to assets | 0.3966% | 5,236 |
| Return on assets (ROA) | 0.3953% | 5,310 |
| Pretax return on assets | 0.5591% | 5,100 |
| Return on Equity (ROE) | 3.3545% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.3545% | 4,064 |
| Net charge-offs to loans | 0.3564% | 1,150 |
| Credit loss provision to net charge-offs | 8.7912% | 3,314 |
| Earnings coverage of net charge-offs (x) | 3.3626% | 3,325 |
| Efficiency ratio | 81.3869% | 1,823 |
| Assets per employee ($millions) | 5.1350% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6440% | 6,254 |
| Loan loss allowance to noncurrent loans | 68.8109% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 4,329 |
| Noncurrent loans to loans | 0.9359% | 3,376 |
| Net loans and leases to total assets | 48.2061% | 5,156 |
| Net loans and leases to deposits | 55.9974% | 5,192 |
| Net loans and leases to core deposits | 59.1286% | 5,193 |
| Total domestic deposits to total assets | 86.0864% | 2,999 |
| Equity capital to assets | 11.8201% | 2,132 |
| Core capital (leverage) ratio | 11.9230% | 1,706 |
| Tier 1 risk-based capital ratio | 29.7223% | 533 |
| Total risk-based capital ratio | 30.5003% | 549 |
| Memoranda: | ||
| Average total assets | $106,245,330 | 4,529 |
| Average earning assets | $101,424,000 | 4,427 |
| Average equity | $12,520,670 | 4,315 |
| Average total loans | $51,072,000 | 4,855 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,634 |
| Cost of funding earning assets | 0.8897% | 482 |
| Net interest margin | 3.1221% | 5,168 |
| Noninterest income to average assets | 0.1400% | 6,140 |
| Noninterest expense to average assets | 2.6554% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3098% | 5,456 |
| Return on assets (ROA) | 0.3071% | 5,516 |
| Pretax return on assets | 0.4549% | 5,297 |
| Return on Equity (ROE) | 2.6106% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.6106% | 4,510 |
| Net charge-offs to loans | -0.0081% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2684% | 1,514 |
| Assets per employee ($millions) | 6.3322% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 6,097 |
| Loan loss allowance to noncurrent loans | 63.7956% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 4,347 |
| Noncurrent loans to loans | 1.2597% | 2,931 |
| Net loans and leases to total assets | 47.3267% | 5,203 |
| Net loans and leases to deposits | 54.7867% | 5,211 |
| Net loans and leases to core deposits | 57.6647% | 5,225 |
| Total domestic deposits to total assets | 86.3836% | 3,168 |
| Equity capital to assets | 11.3599% | 2,368 |
| Core capital (leverage) ratio | 11.6737% | 1,847 |
| Tier 1 risk-based capital ratio | 29.3092% | 560 |
| Total risk-based capital ratio | 30.2684% | 562 |
| Memoranda: | ||
| Average total assets | $102,883,500 | 4,654 |
| Average earning assets | $98,011,500 | 4,564 |
| Average equity | $12,104,500 | 4,401 |
| Average total loans | $49,202,500 | 4,962 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,989 |
| Cost of funding earning assets | 0.7257% | 1,645 |
| Net interest margin | 3.0211% | 5,529 |
| Noninterest income to average assets | 0.3606% | 4,727 |
| Noninterest expense to average assets | 2.3152% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6602% | 3,987 |
| Return on assets (ROA) | 0.6657% | 4,054 |
| Pretax return on assets | 0.9239% | 3,666 |
| Return on Equity (ROE) | 5.3308% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.3308% | 2,393 |
| Net charge-offs to loans | 0.0862% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 22.1316% | 1,463 |
| Efficiency ratio | 71.6453% | 3,546 |
| Assets per employee ($millions) | 5.0993% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 5,619 |
| Loan loss allowance to noncurrent loans | 97.9775% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 4,783 |
| Noncurrent loans to loans | 1.0108% | 3,495 |
| Net loans and leases to total assets | 47.4893% | 5,347 |
| Net loans and leases to deposits | 55.7861% | 5,324 |
| Net loans and leases to core deposits | 59.3201% | 5,274 |
| Total domestic deposits to total assets | 85.1275% | 3,679 |
| Equity capital to assets | 12.2686% | 1,640 |
| Core capital (leverage) ratio | 12.9345% | 1,166 |
| Tier 1 risk-based capital ratio | 31.5206% | 444 |
| Total risk-based capital ratio | 32.6694% | 444 |
| Memoranda: | ||
| Average total assets | $91,785,400 | 4,935 |
| Average earning assets | $87,221,000 | 4,848 |
| Average equity | $11,461,600 | 4,549 |
| Average total loans | $44,088,400 | 5,188 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 5,097 |
| Cost of funding earning assets | 0.7313% | 1,729 |
| Net interest margin | 2.9939% | 5,613 |
| Noninterest income to average assets | 0.3762% | 4,699 |
| Noninterest expense to average assets | 2.3126% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6566% | 4,087 |
| Return on assets (ROA) | 0.6566% | 4,218 |
| Pretax return on assets | 0.9123% | 3,830 |
| Return on Equity (ROE) | 5.2351% | 4,606 |
| Retained earnings to average equity (ytd only) | 5.2351% | 2,910 |
| Net charge-offs to loans | 0.1240% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.3157% | 1,876 |
| Efficiency ratio | 71.7117% | 3,457 |
| Assets per employee ($millions) | 5.0847% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 5,771 |
| Loan loss allowance to noncurrent loans | 85.4043% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 4,791 |
| Noncurrent loans to loans | 1.1576% | 3,499 |
| Net loans and leases to total assets | 47.3821% | 5,410 |
| Net loans and leases to deposits | 55.7733% | 5,392 |
| Net loans and leases to core deposits | 59.3193% | 5,348 |
| Total domestic deposits to total assets | 84.9548% | 3,773 |
| Equity capital to assets | 12.2656% | 1,738 |
| Core capital (leverage) ratio | 12.8153% | 1,274 |
| Tier 1 risk-based capital ratio | 31.8166% | 445 |
| Total risk-based capital ratio | 32.9838% | 440 |
| Memoranda: | ||
| Average total assets | $91,785,000 | 4,978 |
| Average earning assets | $87,332,000 | 4,888 |
| Average equity | $11,511,750 | 4,587 |
| Average total loans | $44,104,250 | 5,235 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 5,103 |
| Cost of funding earning assets | 0.7384% | 1,786 |
| Net interest margin | 2.9763% | 5,625 |
| Noninterest income to average assets | 0.3461% | 4,923 |
| Noninterest expense to average assets | 2.3119% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6313% | 4,150 |
| Return on assets (ROA) | 0.6313% | 4,300 |
| Pretax return on assets | 0.8773% | 3,996 |
| Return on Equity (ROE) | 4.9970% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.9970% | 3,057 |
| Net charge-offs to loans | 0.1810% | 2,672 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.0750% | 2,198 |
| Efficiency ratio | 72.4915% | 3,388 |
| Assets per employee ($millions) | 5.0606% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,756 |
| Loan loss allowance to noncurrent loans | 102.8436% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 4,952 |
| Noncurrent loans to loans | 0.9878% | 3,962 |
| Net loans and leases to total assets | 46.4233% | 5,487 |
| Net loans and leases to deposits | 54.7355% | 5,453 |
| Net loans and leases to core deposits | 58.2474% | 5,398 |
| Total domestic deposits to total assets | 84.8139% | 3,987 |
| Equity capital to assets | 12.5305% | 1,560 |
| Core capital (leverage) ratio | 12.7489% | 1,267 |
| Tier 1 risk-based capital ratio | 32.2341% | 434 |
| Total risk-based capital ratio | 33.4358% | 430 |
| Memoranda: | ||
| Average total assets | $91,872,000 | 5,013 |
| Average earning assets | $87,760,330 | 4,906 |
| Average equity | $11,607,000 | 4,609 |
| Average total loans | $44,206,000 | 5,256 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 5,667 |
| Cost of funding earning assets | 0.7359% | 1,951 |
| Net interest margin | 2.7800% | 6,070 |
| Noninterest income to average assets | 0.3425% | 4,952 |
| Noninterest expense to average assets | 2.3195% | 5,371 |
| Loan and lease loss provision to assets | 0.0217% | 4,194 |
| Net operating income to assets | 0.4899% | 4,725 |
| Return on assets (ROA) | 0.4899% | 4,878 |
| Pretax return on assets | 0.6547% | 4,768 |
| Return on Equity (ROE) | 3.8621% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.8621% | 3,922 |
| Net charge-offs to loans | 0.2314% | 2,054 |
| Credit loss provision to net charge-offs | 19.2308% | 3,044 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,287 |
| Efficiency ratio | 77.4240% | 2,705 |
| Assets per employee ($millions) | 5.1687% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 5,898 |
| Loan loss allowance to noncurrent loans | 48.6574% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 3,579 |
| Noncurrent loans to loans | 2.1074% | 2,496 |
| Net loans and leases to total assets | 46.9964% | 5,332 |
| Net loans and leases to deposits | 55.4810% | 5,298 |
| Net loans and leases to core deposits | 58.5446% | 5,288 |
| Total domestic deposits to total assets | 84.7072% | 4,176 |
| Equity capital to assets | 12.5735% | 1,666 |
| Core capital (leverage) ratio | 12.3530% | 1,403 |
| Tier 1 risk-based capital ratio | 30.8437% | 496 |
| Total risk-based capital ratio | 32.0625% | 487 |
| Memoranda: | ||
| Average total assets | $92,263,000 | 5,044 |
| Average earning assets | $88,056,000 | 4,932 |
| Average equity | $11,703,500 | 4,630 |
| Average total loans | $44,948,500 | 5,253 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 4,085 |
| Cost of funding earning assets | 0.9819% | 1,454 |
| Net interest margin | 3.3495% | 5,076 |
| Noninterest income to average assets | 0.4978% | 3,923 |
| Noninterest expense to average assets | 2.7797% | 4,109 |
| Loan and lease loss provision to assets | 0.3081% | 2,217 |
| Net operating income to assets | 0.3942% | 5,119 |
| Return on assets (ROA) | 0.8432% | 3,336 |
| Pretax return on assets | 1.2084% | 2,776 |
| Return on Equity (ROE) | 6.5264% | 3,898 |
| Retained earnings to average equity (ytd only) | 1.8926% | 4,892 |
| Net charge-offs to loans | 0.4600% | 2,393 |
| Credit loss provision to net charge-offs | 124.3363% | 2,287 |
| Earnings coverage of net charge-offs (x) | 3.5310% | 3,692 |
| Efficiency ratio | 76.0576% | 2,730 |
| Assets per employee ($millions) | 5.0827% | 2,120 |
| Cash dividends to net income (ytd only)* | 71.0013% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,826 |
| Loan loss allowance to noncurrent loans | 161.2245% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 5,031 |
| Noncurrent loans to loans | 0.6430% | 4,908 |
| Net loans and leases to total assets | 49.4551% | 5,246 |
| Net loans and leases to deposits | 58.3338% | 5,202 |
| Net loans and leases to core deposits | 61.6288% | 5,198 |
| Total domestic deposits to total assets | 84.7796% | 3,953 |
| Equity capital to assets | 12.7983% | 1,541 |
| Core capital (leverage) ratio | 12.4557% | 1,340 |
| Tier 1 risk-based capital ratio | 30.8066% | 482 |
| Total risk-based capital ratio | 32.0578% | 472 |
| Memoranda: | ||
| Average total assets | $91,196,000 | 5,047 |
| Average earning assets | $85,952,400 | 4,964 |
| Average equity | $11,783,000 | 4,616 |
| Average total loans | $49,128,000 | 5,137 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 3,637 |
| Cost of funding earning assets | 1.0289% | 1,399 |
| Net interest margin | 3.4713% | 4,751 |
| Noninterest income to average assets | 0.4770% | 4,085 |
| Noninterest expense to average assets | 2.7801% | 4,056 |
| Loan and lease loss provision to assets | 0.3585% | 1,818 |
| Net operating income to assets | 0.4600% | 4,996 |
| Return on assets (ROA) | 0.4755% | 5,194 |
| Pretax return on assets | 0.6219% | 5,100 |
| Return on Equity (ROE) | 3.6717% | 5,423 |
| Retained earnings to average equity (ytd only) | 3.6717% | 4,303 |
| Net charge-offs to loans | 0.5149% | 2,067 |
| Credit loss provision to net charge-offs | 126.9430% | 2,264 |
| Earnings coverage of net charge-offs (x) | 3.3989% | 3,662 |
| Efficiency ratio | 74.3349% | 2,928 |
| Assets per employee ($millions) | 5.0532% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,075 |
| Loan loss allowance to noncurrent loans | 57.0048% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2709% | 3,755 |
| Noncurrent loans to loans | 1.7558% | 3,145 |
| Net loans and leases to total assets | 51.3265% | 5,137 |
| Net loans and leases to deposits | 62.2309% | 4,943 |
| Net loans and leases to core deposits | 66.3045% | 4,921 |
| Total domestic deposits to total assets | 82.4774% | 4,843 |
| Equity capital to assets | 13.2700% | 1,461 |
| Core capital (leverage) ratio | 12.6777% | 1,331 |
| Tier 1 risk-based capital ratio | 29.4369% | 558 |
| Total risk-based capital ratio | 30.6500% | 553 |
| Memoranda: | ||
| Average total assets | $91,122,750 | 5,099 |
| Average earning assets | $85,651,750 | 5,031 |
| Average equity | $11,801,500 | 4,654 |
| Average total loans | $49,980,000 | 5,167 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 3,492 |
| Cost of funding earning assets | 1.0520% | 1,457 |
| Net interest margin | 3.5161% | 4,601 |
| Noninterest income to average assets | 0.6449% | 2,979 |
| Noninterest expense to average assets | 2.5445% | 4,981 |
| Loan and lease loss provision to assets | -0.0526% | 7,078 |
| Net operating income to assets | 0.9903% | 2,508 |
| Return on assets (ROA) | 1.0112% | 2,637 |
| Pretax return on assets | 1.4828% | 1,907 |
| Return on Equity (ROE) | 7.8723% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.8723% | 1,688 |
| Net charge-offs to loans | -0.2160% | 7,013 |
| Credit loss provision to net charge-offs | 43.6364% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5161% | 4,796 |
| Assets per employee ($millions) | 5.0472% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 6,424 |
| Loan loss allowance to noncurrent loans | 133.5312% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 4,432 |
| Noncurrent loans to loans | 0.6838% | 5,139 |
| Net loans and leases to total assets | 53.7534% | 4,846 |
| Net loans and leases to deposits | 64.8376% | 4,658 |
| Net loans and leases to core deposits | 69.3344% | 4,621 |
| Total domestic deposits to total assets | 82.9048% | 4,791 |
| Equity capital to assets | 13.2581% | 1,409 |
| Core capital (leverage) ratio | 12.8215% | 1,210 |
| Tier 1 risk-based capital ratio | 28.7215% | 596 |
| Total risk-based capital ratio | 29.8367% | 588 |
| Memoranda: | ||
| Average total assets | $91,178,000 | 5,129 |
| Average earning assets | $85,550,330 | 5,062 |
| Average equity | $11,712,000 | 4,673 |
| Average total loans | $50,921,000 | 5,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 3,677 |
| Cost of funding earning assets | 1.0676% | 1,578 |
| Net interest margin | 3.4920% | 4,750 |
| Noninterest income to average assets | 0.1576% | 6,441 |
| Noninterest expense to average assets | 2.4304% | 5,369 |
| Loan and lease loss provision to assets | -0.3153% | 7,237 |
| Net operating income to assets | 0.9109% | 2,864 |
| Return on assets (ROA) | 0.9109% | 3,088 |
| Pretax return on assets | 1.3225% | 2,452 |
| Return on Equity (ROE) | 7.2063% | 3,655 |
| Retained earnings to average equity (ytd only) | 7.2063% | 2,321 |
| Net charge-offs to loans | -0.6571% | 7,176 |
| Credit loss provision to net charge-offs | 84.7059% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7006% | 3,675 |
| Assets per employee ($millions) | 4.8806% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 6,654 |
| Loan loss allowance to noncurrent loans | 90.9474% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 4,519 |
| Noncurrent loans to loans | 0.9282% | 4,809 |
| Net loans and leases to total assets | 54.7179% | 4,599 |
| Net loans and leases to deposits | 65.8632% | 4,401 |
| Net loans and leases to core deposits | 71.9098% | 4,163 |
| Total domestic deposits to total assets | 83.0781% | 4,894 |
| Equity capital to assets | 12.6030% | 1,658 |
| Core capital (leverage) ratio | 12.2709% | 1,451 |
| Tier 1 risk-based capital ratio | 26.3708% | 774 |
| Total risk-based capital ratio | 27.3757% | 778 |
| Memoranda: | ||
| Average total assets | $91,342,000 | 5,166 |
| Average earning assets | $85,796,000 | 5,090 |
| Average equity | $11,545,500 | 4,716 |
| Average total loans | $51,739,000 | 5,154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 3,974 |
| Cost of funding earning assets | 1.3571% | 1,210 |
| Net interest margin | 3.4047% | 5,468 |
| Noninterest income to average assets | 0.2037% | 6,045 |
| Noninterest expense to average assets | 3.2221% | 2,787 |
| Loan and lease loss provision to assets | 0.1875% | 4,311 |
| Net operating income to assets | 0.0668% | 5,930 |
| Return on assets (ROA) | 0.0808% | 6,019 |
| Pretax return on assets | 0.0226% | 6,084 |
| Return on Equity (ROE) | 0.6533% | 6,030 |
| Retained earnings to average equity (ytd only) | -1.3937% | 6,075 |
| Net charge-offs to loans | -0.0550% | 7,065 |
| Credit loss provision to net charge-offs | -580.0000% | 6,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2623% | 904 |
| Assets per employee ($millions) | 4.7343% | 2,543 |
| Cash dividends to net income (ytd only)* | 313.3333% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 6,734 |
| Loan loss allowance to noncurrent loans | 187.8924% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 5,951 |
| Noncurrent loans to loans | 0.4263% | 5,855 |
| Net loans and leases to total assets | 57.6819% | 4,432 |
| Net loans and leases to deposits | 69.7083% | 4,158 |
| Net loans and leases to core deposits | 74.8673% | 4,119 |
| Total domestic deposits to total assets | 82.7475% | 4,864 |
| Equity capital to assets | 12.6779% | 1,676 |
| Core capital (leverage) ratio | 12.4091% | 1,387 |
| Tier 1 risk-based capital ratio | 26.1221% | 765 |
| Total risk-based capital ratio | 27.1056% | 779 |
| Memoranda: | ||
| Average total assets | $92,796,600 | 5,105 |
| Average earning assets | $87,615,400 | 5,000 |
| Average equity | $11,480,400 | 4,665 |
| Average total loans | $54,514,400 | 5,094 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 4,056 |
| Cost of funding earning assets | 1.3995% | 1,230 |
| Net interest margin | 3.3917% | 5,602 |
| Noninterest income to average assets | 0.1925% | 6,212 |
| Noninterest expense to average assets | 2.3898% | 5,788 |
| Loan and lease loss provision to assets | 0.2823% | 3,262 |
| Net operating income to assets | 0.5228% | 4,443 |
| Return on assets (ROA) | 0.5361% | 4,568 |
| Pretax return on assets | 0.7457% | 4,328 |
| Return on Equity (ROE) | 4.3595% | 4,833 |
| Retained earnings to average equity (ytd only) | 1.6349% | 5,325 |
| Net charge-offs to loans | -0.0654% | 7,100 |
| Credit loss provision to net charge-offs | -733.3333% | 6,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3020% | 3,908 |
| Assets per employee ($millions) | 4.8151% | 2,451 |
| Cash dividends to net income (ytd only)* | 62.5010% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 6,776 |
| Loan loss allowance to noncurrent loans | 113.6598% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 5,706 |
| Noncurrent loans to loans | 0.7226% | 5,429 |
| Net loans and leases to total assets | 58.2133% | 4,473 |
| Net loans and leases to deposits | 71.4763% | 4,069 |
| Net loans and leases to core deposits | 76.7514% | 4,088 |
| Total domestic deposits to total assets | 81.4442% | 5,275 |
| Equity capital to assets | 12.7954% | 1,720 |
| Core capital (leverage) ratio | 12.5306% | 1,425 |
| Tier 1 risk-based capital ratio | 26.2151% | 813 |
| Total risk-based capital ratio | 27.2266% | 819 |
| Memoranda: | ||
| Average total assets | $93,507,750 | 5,121 |
| Average earning assets | $88,410,000 | 5,010 |
| Average equity | $11,499,500 | 4,692 |
| Average total loans | $55,066,750 | 5,111 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 4,154 |
| Cost of funding earning assets | 1.4130% | 1,358 |
| Net interest margin | 3.3719% | 5,632 |
| Noninterest income to average assets | 0.3695% | 4,918 |
| Noninterest expense to average assets | 2.3550% | 5,980 |
| Loan and lease loss provision to assets | 0.1274% | 4,696 |
| Net operating income to assets | 0.7536% | 3,272 |
| Return on assets (ROA) | 0.7730% | 3,321 |
| Pretax return on assets | 1.1021% | 2,839 |
| Return on Equity (ROE) | 6.3688% | 3,758 |
| Retained earnings to average equity (ytd only) | 2.2571% | 4,854 |
| Net charge-offs to loans | -0.7312% | 7,426 |
| Credit loss provision to net charge-offs | -29.5567% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2090% | 4,836 |
| Assets per employee ($millions) | 5.4057% | 1,650 |
| Cash dividends to net income (ytd only)* | 64.5604% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,712 |
| Loan loss allowance to noncurrent loans | 112.7059% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 5,929 |
| Noncurrent loans to loans | 0.7809% | 5,351 |
| Net loans and leases to total assets | 55.4439% | 5,078 |
| Net loans and leases to deposits | 68.2731% | 4,663 |
| Net loans and leases to core deposits | 75.5574% | 4,372 |
| Total domestic deposits to total assets | 81.2090% | 5,455 |
| Equity capital to assets | 11.9741% | 2,109 |
| Core capital (leverage) ratio | 11.7619% | 1,739 |
| Tier 1 risk-based capital ratio | 25.5614% | 846 |
| Total risk-based capital ratio | 26.6338% | 851 |
| Memoranda: | ||
| Average total assets | $94,181,670 | 5,133 |
| Average earning assets | $89,030,000 | 5,021 |
| Average equity | $11,430,670 | 4,706 |
| Average total loans | $55,523,000 | 5,147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 3,758 |
| Cost of funding earning assets | 1.4366% | 1,445 |
| Net interest margin | 3.4268% | 5,316 |
| Noninterest income to average assets | 0.6996% | 2,579 |
| Noninterest expense to average assets | 2.3493% | 6,051 |
| Loan and lease loss provision to assets | 0.1727% | 3,901 |
| Net operating income to assets | 0.9012% | 2,560 |
| Return on assets (ROA) | 0.9371% | 2,478 |
| Pretax return on assets | 1.4683% | 1,542 |
| Return on Equity (ROE) | 7.6675% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.6675% | 1,856 |
| Net charge-offs to loans | -1.5908% | 7,504 |
| Credit loss provision to net charge-offs | -17.9372% | 5,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7146% | 6,025 |
| Assets per employee ($millions) | 5.3628% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,800 |
| Loan loss allowance to noncurrent loans | 333.3333% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 6,416 |
| Noncurrent loans to loans | 0.2586% | 6,474 |
| Net loans and leases to total assets | 57.1910% | 4,767 |
| Net loans and leases to deposits | 71.4904% | 4,137 |
| Net loans and leases to core deposits | 78.7558% | 3,927 |
| Total domestic deposits to total assets | 79.9981% | 5,951 |
| Equity capital to assets | 11.9278% | 1,960 |
| Core capital (leverage) ratio | 11.9196% | 1,605 |
| Tier 1 risk-based capital ratio | 25.3537% | 842 |
| Total risk-based capital ratio | 26.4115% | 844 |
| Memoranda: | ||
| Average total assets | $92,621,500 | 5,216 |
| Average earning assets | $87,429,000 | 5,113 |
| Average equity | $11,320,500 | 4,712 |
| Average total loans | $56,071,000 | 5,173 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 3,348 |
| Cost of funding earning assets | 1.7725% | 1,285 |
| Net interest margin | 3.4803% | 5,322 |
| Noninterest income to average assets | 0.1810% | 6,452 |
| Noninterest expense to average assets | 2.5040% | 5,778 |
| Loan and lease loss provision to assets | 0.2736% | 4,614 |
| Net operating income to assets | 0.5014% | 4,090 |
| Return on assets (ROA) | 0.5014% | 4,254 |
| Pretax return on assets | 0.6868% | 4,021 |
| Return on Equity (ROE) | 4.0914% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.7572% | 3,927 |
| Net charge-offs to loans | 0.3379% | 4,322 |
| Credit loss provision to net charge-offs | 124.8756% | 3,292 |
| Earnings coverage of net charge-offs (x) | 4.3831% | 2,947 |
| Efficiency ratio | 72.2782% | 3,737 |
| Assets per employee ($millions) | 4.6691% | 2,595 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3985% | 7,423 |
| Loan loss allowance to noncurrent loans | 69.4444% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 5,876 |
| Noncurrent loans to loans | 0.5739% | 5,904 |
| Net loans and leases to total assets | 63.3849% | 3,990 |
| Net loans and leases to deposits | 80.3929% | 3,097 |
| Net loans and leases to core deposits | 83.2716% | 3,708 |
| Total domestic deposits to total assets | 78.8439% | 6,120 |
| Equity capital to assets | 12.5428% | 1,608 |
| Core capital (leverage) ratio | 12.7013% | 1,246 |
| Tier 1 risk-based capital ratio | 25.7183% | 782 |
| Total risk-based capital ratio | 26.2309% | 830 |
| Memoranda: | ||
| Average total assets | $91,734,800 | 5,230 |
| Average earning assets | $86,545,200 | 5,131 |
| Average equity | $11,243,200 | 4,807 |
| Average total loans | $59,491,600 | 5,095 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 3,469 |
| Cost of funding earning assets | 1.8003% | 1,420 |
| Net interest margin | 3.4752% | 5,391 |
| Noninterest income to average assets | 0.2220% | 6,320 |
| Noninterest expense to average assets | 2.2157% | 6,566 |
| Loan and lease loss provision to assets | 0.1096% | 5,936 |
| Net operating income to assets | 0.7554% | 3,196 |
| Return on assets (ROA) | 0.7554% | 3,351 |
| Pretax return on assets | 1.1749% | 2,587 |
| Return on Equity (ROE) | 6.1980% | 3,725 |
| Retained earnings to average equity (ytd only) | 5.0151% | 2,981 |
| Net charge-offs to loans | -0.0907% | 7,540 |
| Credit loss provision to net charge-offs | -185.3659% | 6,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3031% | 5,382 |
| Assets per employee ($millions) | 4.7990% | 2,450 |
| Cash dividends to net income (ytd only)* | 19.0839% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4972% | 7,461 |
| Loan loss allowance to noncurrent loans | 128.0702% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,925 |
| Noncurrent loans to loans | 0.3882% | 6,419 |
| Net loans and leases to total assets | 64.0879% | 4,105 |
| Net loans and leases to deposits | 85.0374% | 2,516 |
| Net loans and leases to core deposits | 88.5327% | 3,306 |
| Total domestic deposits to total assets | 75.3644% | 6,760 |
| Equity capital to assets | 12.7132% | 1,741 |
| Core capital (leverage) ratio | 12.5319% | 1,393 |
| Tier 1 risk-based capital ratio | 26.2072% | 757 |
| Total risk-based capital ratio | 26.8783% | 789 |
| Memoranda: | ||
| Average total assets | $92,490,500 | 5,270 |
| Average earning assets | $87,243,250 | 5,169 |
| Average equity | $11,272,250 | 4,864 |
| Average total loans | $60,250,750 | 5,136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 3,574 |
| Cost of funding earning assets | 1.8204% | 1,565 |
| Net interest margin | 3.4564% | 5,419 |
| Noninterest income to average assets | 0.2260% | 6,299 |
| Noninterest expense to average assets | 2.2103% | 6,619 |
| Loan and lease loss provision to assets | 0.0215% | 6,718 |
| Net operating income to assets | 0.8135% | 2,909 |
| Return on assets (ROA) | 0.8135% | 3,057 |
| Pretax return on assets | 1.2634% | 2,211 |
| Return on Equity (ROE) | 6.7708% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.7708% | 1,939 |
| Net charge-offs to loans | -0.3687% | 7,705 |
| Credit loss provision to net charge-offs | -8.9286% | 6,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2389% | 5,479 |
| Assets per employee ($millions) | 4.8424% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5099% | 7,494 |
| Loan loss allowance to noncurrent loans | 82.7493% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 5,816 |
| Noncurrent loans to loans | 0.6162% | 6,017 |
| Net loans and leases to total assets | 65.1034% | 4,020 |
| Net loans and leases to deposits | 85.6299% | 2,568 |
| Net loans and leases to core deposits | 89.4776% | 3,346 |
| Total domestic deposits to total assets | 76.0287% | 6,686 |
| Equity capital to assets | 12.3894% | 1,875 |
| Core capital (leverage) ratio | 12.3484% | 1,473 |
| Tier 1 risk-based capital ratio | 27.2777% | 680 |
| Total risk-based capital ratio | 28.0152% | 705 |
| Memoranda: | ||
| Average total assets | $92,927,000 | 5,280 |
| Average earning assets | $87,894,000 | 5,182 |
| Average equity | $11,165,670 | 4,888 |
| Average total loans | $60,758,330 | 5,149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 3,981 |
| Cost of funding earning assets | 1.8472% | 1,671 |
| Net interest margin | 3.3593% | 5,753 |
| Noninterest income to average assets | 0.2270% | 6,335 |
| Noninterest expense to average assets | 2.1844% | 6,728 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7667% | 3,125 |
| Return on assets (ROA) | 0.7667% | 3,239 |
| Pretax return on assets | 1.2207% | 2,294 |
| Return on Equity (ROE) | 6.4802% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.4802% | 2,368 |
| Net charge-offs to loans | -0.6881% | 7,827 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1509% | 5,465 |
| Assets per employee ($millions) | 4.9228% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 7,566 |
| Loan loss allowance to noncurrent loans | 71.5556% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 6,026 |
| Noncurrent loans to loans | 0.7422% | 5,835 |
| Net loans and leases to total assets | 64.4756% | 4,222 |
| Net loans and leases to deposits | 84.3488% | 2,879 |
| Net loans and leases to core deposits | 88.1332% | 3,607 |
| Total domestic deposits to total assets | 76.4393% | 6,672 |
| Equity capital to assets | 11.9284% | 2,083 |
| Core capital (leverage) ratio | 11.9294% | 1,678 |
| Tier 1 risk-based capital ratio | 26.4665% | 741 |
| Total risk-based capital ratio | 27.2302% | 761 |
| Memoranda: | ||
| Average total assets | $93,387,500 | 5,341 |
| Average earning assets | $88,351,000 | 5,225 |
| Average equity | $11,049,000 | 4,965 |
| Average total loans | $61,034,500 | 5,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5608% | 3,810 |
| Cost of funding earning assets | 2.3046% | 1,635 |
| Net interest margin | 3.2562% | 5,903 |
| Noninterest income to average assets | 0.2382% | 6,387 |
| Noninterest expense to average assets | 2.2673% | 6,829 |
| Loan and lease loss provision to assets | 0.5633% | 3,556 |
| Net operating income to assets | 0.3060% | 4,516 |
| Return on assets (ROA) | 0.3589% | 4,392 |
| Pretax return on assets | 0.5861% | 3,943 |
| Return on Equity (ROE) | 2.8698% | 4,565 |
| Retained earnings to average equity (ytd only) | -5.8266% | 6,126 |
| Net charge-offs to loans | 0.7887% | 2,853 |
| Credit loss provision to net charge-offs | 105.0710% | 5,264 |
| Earnings coverage of net charge-offs (x) | 1.9899% | 4,232 |
| Efficiency ratio | 68.0039% | 5,005 |
| Assets per employee ($millions) | 4.6621% | 2,670 |
| Cash dividends to net income (ytd only)* | 303.0303% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3988% | 7,758 |
| Loan loss allowance to noncurrent loans | 35.8712% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 5,464 |
| Noncurrent loans to loans | 1.1116% | 5,103 |
| Net loans and leases to total assets | 65.6314% | 4,252 |
| Net loans and leases to deposits | 85.4752% | 3,001 |
| Net loans and leases to core deposits | 107.4613% | 3,165 |
| Total domestic deposits to total assets | 76.7841% | 6,534 |
| Equity capital to assets | 11.7340% | 2,172 |
| Core capital (leverage) ratio | 11.7699% | 1,771 |
| Tier 1 risk-based capital ratio | 25.6933% | 785 |
| Total risk-based capital ratio | 26.2666% | 820 |
| Memoranda: | ||
| Average total assets | $91,958,400 | 5,335 |
| Average earning assets | $87,433,400 | 5,212 |
| Average equity | $11,499,000 | 4,877 |
| Average total loans | $62,505,600 | 5,150 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6021% | 3,850 |
| Cost of funding earning assets | 2.3952% | 1,653 |
| Net interest margin | 3.2069% | 5,995 |
| Noninterest income to average assets | 0.2532% | 6,424 |
| Noninterest expense to average assets | 2.2247% | 6,911 |
| Loan and lease loss provision to assets | 0.5020% | 3,380 |
| Net operating income to assets | 0.3730% | 4,503 |
| Return on assets (ROA) | 0.4438% | 4,325 |
| Pretax return on assets | 0.6897% | 3,895 |
| Return on Equity (ROE) | 3.4941% | 4,578 |
| Retained earnings to average equity (ytd only) | -0.5155% | 5,352 |
| Net charge-offs to loans | 0.6266% | 2,804 |
| Credit loss provision to net charge-offs | 116.9492% | 4,350 |
| Earnings coverage of net charge-offs (x) | 2.5187% | 3,968 |
| Efficiency ratio | 67.2975% | 5,118 |
| Assets per employee ($millions) | 4.5050% | 2,853 |
| Cash dividends to net income (ytd only)* | 114.7543% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4379% | 7,787 |
| Loan loss allowance to noncurrent loans | 32.1853% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 5,299 |
| Noncurrent loans to loans | 1.3605% | 4,656 |
| Net loans and leases to total assets | 65.1340% | 4,620 |
| Net loans and leases to deposits | 89.5353% | 2,668 |
| Net loans and leases to core deposits | 113.2554% | 2,903 |
| Total domestic deposits to total assets | 72.7467% | 7,113 |
| Equity capital to assets | 12.2890% | 2,073 |
| Core capital (leverage) ratio | 12.2686% | 1,672 |
| Tier 1 risk-based capital ratio | 27.1027% | 738 |
| Total risk-based capital ratio | 27.7356% | 766 |
| Memoranda: | ||
| Average total assets | $91,637,500 | 5,378 |
| Average earning assets | $87,226,750 | 5,256 |
| Average equity | $11,638,500 | 4,888 |
| Average total loans | $62,771,750 | 5,176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6717% | 3,707 |
| Cost of funding earning assets | 2.4652% | 1,729 |
| Net interest margin | 3.2066% | 5,894 |
| Noninterest income to average assets | 0.2162% | 6,754 |
| Noninterest expense to average assets | 2.2416% | 6,943 |
| Loan and lease loss provision to assets | 0.5229% | 2,930 |
| Net operating income to assets | 0.3229% | 4,794 |
| Return on assets (ROA) | 0.4302% | 4,491 |
| Pretax return on assets | 0.6729% | 4,087 |
| Return on Equity (ROE) | 3.3497% | 4,766 |
| Retained earnings to average equity (ytd only) | -0.9448% | 5,465 |
| Net charge-offs to loans | 0.5962% | 2,551 |
| Credit loss provision to net charge-offs | 126.0638% | 3,684 |
| Earnings coverage of net charge-offs (x) | 2.4787% | 3,826 |
| Efficiency ratio | 68.5560% | 5,053 |
| Assets per employee ($millions) | 4.5182% | 2,743 |
| Cash dividends to net income (ytd only)* | 128.2051% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4344% | 7,866 |
| Loan loss allowance to noncurrent loans | 37.7622% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 5,517 |
| Noncurrent loans to loans | 1.1503% | 4,914 |
| Net loans and leases to total assets | 65.2231% | 4,717 |
| Net loans and leases to deposits | 86.7502% | 3,401 |
| Net loans and leases to core deposits | 111.4242% | 3,209 |
| Total domestic deposits to total assets | 75.1850% | 6,724 |
| Equity capital to assets | 12.1878% | 2,100 |
| Core capital (leverage) ratio | 12.2155% | 1,742 |
| Tier 1 risk-based capital ratio | 26.7778% | 794 |
| Total risk-based capital ratio | 27.4014% | 823 |
| Memoranda: | ||
| Average total assets | $90,648,330 | 5,440 |
| Average earning assets | $86,323,000 | 5,325 |
| Average equity | $11,642,670 | 4,903 |
| Average total loans | $63,065,330 | 5,206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 2,942 |
| Cost of funding earning assets | 2.5781% | 1,628 |
| Net interest margin | 3.2916% | 5,523 |
| Noninterest income to average assets | 0.1039% | 7,518 |
| Noninterest expense to average assets | 2.1823% | 6,914 |
| Loan and lease loss provision to assets | 0.4066% | 2,888 |
| Net operating income to assets | 0.4157% | 4,795 |
| Return on assets (ROA) | 0.4157% | 4,972 |
| Pretax return on assets | 0.6416% | 4,615 |
| Return on Equity (ROE) | 3.1501% | 5,304 |
| Retained earnings to average equity (ytd only) | -1.9860% | 6,105 |
| Net charge-offs to loans | 0.4912% | 2,236 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 2.9744% | 3,315 |
| Efficiency ratio | 67.5524% | 5,044 |
| Assets per employee ($millions) | 4.2352% | 3,199 |
| Cash dividends to net income (ytd only)* | 163.0435% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3712% | 7,977 |
| Loan loss allowance to noncurrent loans | 48.3402% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 5,634 |
| Noncurrent loans to loans | 0.7680% | 5,511 |
| Net loans and leases to total assets | 70.3058% | 3,604 |
| Net loans and leases to deposits | 94.5176% | 2,191 |
| Net loans and leases to core deposits | 114.9068% | 2,916 |
| Total domestic deposits to total assets | 74.3839% | 6,824 |
| Equity capital to assets | 13.0639% | 1,718 |
| Core capital (leverage) ratio | 13.0365% | 1,473 |
| Tier 1 risk-based capital ratio | 27.0394% | 818 |
| Total risk-based capital ratio | 27.5830% | 847 |
| Memoranda: | ||
| Average total assets | $88,531,500 | 5,541 |
| Average earning assets | $84,093,000 | 5,427 |
| Average equity | $11,682,000 | 4,929 |
| Average total loans | $63,520,500 | 5,230 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1261% | 4,917 |
| Cost of funding earning assets | 2.8228% | 2,615 |
| Net interest margin | 3.3033% | 6,024 |
| Noninterest income to average assets | 0.1993% | 7,025 |
| Noninterest expense to average assets | 2.5759% | 5,734 |
| Loan and lease loss provision to assets | 0.1147% | 5,905 |
| Net operating income to assets | 0.4265% | 5,049 |
| Return on assets (ROA) | -0.0779% | 6,325 |
| Pretax return on assets | -0.1414% | 6,315 |
| Return on Equity (ROE) | -0.5549% | 6,302 |
| Retained earnings to average equity (ytd only) | -13.1199% | 7,344 |
| Net charge-offs to loans | 0.1853% | 4,349 |
| Credit loss provision to net charge-offs | 86.5546% | 5,750 |
| Earnings coverage of net charge-offs (x) | 5.7479% | 3,548 |
| Efficiency ratio | 77.1848% | 3,051 |
| Assets per employee ($millions) | 4.0056% | 3,500 |
| Cash dividends to net income (ytd only)* | -2,264.2857% | 8,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3438% | 8,049 |
| Loan loss allowance to noncurrent loans | 38.7719% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 5,032 |
| Noncurrent loans to loans | 0.8868% | 4,848 |
| Net loans and leases to total assets | 72.6904% | 3,438 |
| Net loans and leases to deposits | 97.5884% | 2,182 |
| Net loans and leases to core deposits | 118.9899% | 2,787 |
| Total domestic deposits to total assets | 74.4868% | 6,561 |
| Equity capital to assets | 13.3280% | 1,661 |
| Core capital (leverage) ratio | 13.2354% | 1,465 |
| Tier 1 risk-based capital ratio | 26.9493% | 832 |
| Total risk-based capital ratio | 27.4605% | 864 |
| Memoranda: | ||
| Average total assets | $89,831,200 | 5,360 |
| Average earning assets | $85,339,600 | 5,253 |
| Average equity | $12,614,400 | 4,670 |
| Average total loans | $64,212,200 | 5,093 |