Home > Aroostook County Federal Savings and Loan Association > Performance and Condition Ratios
Aroostook County Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 3,631 |
| Cost of funding earning assets | 1.8414% | 1,183 |
| Net interest margin | 2.3543% | 4,220 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8083% | 3,996 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.5438% | 3,581 |
| Return on assets (ROA) | 0.5451% | 3,564 |
| Pretax return on assets | 0.6676% | 3,502 |
| Return on Equity (ROE) | 6.3400% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.3392% | 2,119 |
| Net charge-offs to loans | 0.0077% | 2,387 |
| Credit loss provision to net charge-offs | -100.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | 122.9000% | 812 |
| Efficiency ratio | 73.2419% | 1,531 |
| Assets per employee ($millions) | 7.5364% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,114 |
| Loan loss allowance to noncurrent loans | 216.9725% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 1,888 |
| Noncurrent loans to loans | 0.3257% | 2,015 |
| Net loans and leases to total assets | 70.5400% | 1,749 |
| Net loans and leases to deposits | 81.1214% | 2,020 |
| Net loans and leases to core deposits | 89.6781% | 2,074 |
| Total domestic deposits to total assets | 86.9500% | 1,700 |
| Equity capital to assets | 9.0643% | 2,629 |
| Core capital (leverage) ratio | 10.1998% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8482% | 955 |
| Memoranda: | ||
| Average total assets | $186,028,200 | 3,084 |
| Average earning assets | $178,777,800 | 3,019 |
| Average equity | $15,995,800 | 3,183 |
| Average total loans | $129,341,800 | 2,861 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 3,636 |
| Cost of funding earning assets | 1.6931% | 1,202 |
| Net interest margin | 2.4198% | 4,210 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.7789% | 4,017 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.6097% | 3,523 |
| Return on assets (ROA) | 0.6097% | 3,511 |
| Pretax return on assets | 0.7614% | 3,420 |
| Return on Equity (ROE) | 7.1900% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.1900% | 2,225 |
| Net charge-offs to loans | 0.0094% | 2,054 |
| Credit loss provision to net charge-offs | -111.1111% | 4,528 |
| Earnings coverage of net charge-offs (x) | 116.5556% | 854 |
| Efficiency ratio | 70.2242% | 1,759 |
| Assets per employee ($millions) | 7.8796% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7147% | 4,111 |
| Loan loss allowance to noncurrent loans | 355.0562% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,552 |
| Noncurrent loans to loans | 0.2013% | 2,550 |
| Net loans and leases to total assets | 72.6600% | 1,502 |
| Net loans and leases to deposits | 81.7117% | 1,927 |
| Net loans and leases to core deposits | 90.6156% | 1,889 |
| Total domestic deposits to total assets | 88.9300% | 1,281 |
| Equity capital to assets | 8.6304% | 2,645 |
| Core capital (leverage) ratio | 10.3273% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9772% | 949 |
| Memoranda: | ||
| Average total assets | $185,433,000 | 3,090 |
| Average earning assets | $179,072,250 | 3,024 |
| Average equity | $15,725,250 | 3,198 |
| Average total loans | $128,215,250 | 2,875 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,719 |
| Cost of funding earning assets | 1.5863% | 1,094 |
| Net interest margin | 2.3984% | 4,299 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.7941% | 4,011 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.5930% | 3,587 |
| Return on assets (ROA) | 0.5930% | 3,597 |
| Pretax return on assets | 0.7301% | 3,542 |
| Return on Equity (ROE) | 7.0300% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.0334% | 2,270 |
| Net charge-offs to loans | 0.0126% | 1,720 |
| Credit loss provision to net charge-offs | -175.0000% | 4,556 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 1,029 |
| Efficiency ratio | 71.5017% | 1,615 |
| Assets per employee ($millions) | 8.0628% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 4,141 |
| Loan loss allowance to noncurrent loans | 151.4423% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 1,544 |
| Noncurrent loans to loans | 0.4797% | 1,513 |
| Net loans and leases to total assets | 69.6300% | 1,783 |
| Net loans and leases to deposits | 78.0764% | 2,125 |
| Net loans and leases to core deposits | 85.9479% | 2,079 |
| Total domestic deposits to total assets | 89.1800% | 1,183 |
| Equity capital to assets | 8.4888% | 2,875 |
| Core capital (leverage) ratio | 9.6728% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6543% | 1,009 |
| Memoranda: | ||
| Average total assets | $186,833,667 | 3,090 |
| Average earning assets | $180,037,667 | 3,028 |
| Average equity | $15,753,333 | 3,207 |
| Average total loans | $126,741,333 | 2,885 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 3,822 |
| Cost of funding earning assets | 1.3461% | 1,142 |
| Net interest margin | 2.4735% | 4,330 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.7171% | 4,174 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 0.7103% | 3,440 |
| Return on assets (ROA) | 0.7103% | 3,396 |
| Pretax return on assets | 0.9023% | 3,233 |
| Return on Equity (ROE) | 8.4500% | 3,187 |
| Retained earnings to average equity (ytd only) | 8.4523% | 2,093 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.3097% | 2,178 |
| Assets per employee ($millions) | 8.2386% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 4,169 |
| Loan loss allowance to noncurrent loans | 469.4581% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 2,469 |
| Noncurrent loans to loans | 0.1608% | 2,682 |
| Net loans and leases to total assets | 66.1400% | 2,043 |
| Net loans and leases to deposits | 76.4416% | 2,079 |
| Net loans and leases to core deposits | 83.3861% | 2,033 |
| Total domestic deposits to total assets | 86.5200% | 2,436 |
| Equity capital to assets | 8.5631% | 2,841 |
| Core capital (leverage) ratio | 9.9248% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9096% | 1,004 |
| Memoranda: | ||
| Average total assets | $187,528,000 | 3,122 |
| Average earning assets | $180,961,500 | 3,060 |
| Average equity | $15,759,000 | 3,238 |
| Average total loans | $125,075,000 | 2,931 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 3,125 |
| Cost of funding earning assets | 0.8256% | 360 |
| Net interest margin | 2.6581% | 4,104 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.8618% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7801% | 3,398 |
| Return on assets (ROA) | 0.7801% | 3,330 |
| Pretax return on assets | 0.9657% | 3,175 |
| Return on Equity (ROE) | 9.1600% | 3,080 |
| Retained earnings to average equity (ytd only) | 9.1559% | 1,435 |
| Net charge-offs to loans | 0.1070% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 13.4531% | 2,068 |
| Efficiency ratio | 65.8469% | 2,251 |
| Assets per employee ($millions) | 8.0682% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 4,537 |
| Loan loss allowance to noncurrent loans | 62.5194% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 1,427 |
| Noncurrent loans to loans | 0.5191% | 1,405 |
| Net loans and leases to total assets | 66.5400% | 1,973 |
| Net loans and leases to deposits | 74.5793% | 2,207 |
| Net loans and leases to core deposits | 78.8083% | 2,216 |
| Total domestic deposits to total assets | 89.2100% | 1,662 |
| Equity capital to assets | 8.2406% | 2,903 |
| Core capital (leverage) ratio | 9.9404% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8150% | 1,008 |
| Memoranda: | ||
| Average total assets | $178,318,200 | 3,209 |
| Average earning assets | $172,714,200 | 3,126 |
| Average equity | $15,192,400 | 3,351 |
| Average total loans | $119,607,800 | 2,924 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4051% | 2,902 |
| Cost of funding earning assets | 0.7674% | 180 |
| Net interest margin | 2.6377% | 4,048 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.8454% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7796% | 3,327 |
| Return on assets (ROA) | 0.7796% | 3,278 |
| Pretax return on assets | 0.9790% | 3,078 |
| Return on Equity (ROE) | 9.0700% | 3,011 |
| Retained earnings to average equity (ytd only) | 9.0718% | 1,624 |
| Net charge-offs to loans | 0.1440% | 458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,000 |
| Efficiency ratio | 65.3383% | 2,361 |
| Assets per employee ($millions) | 7.8052% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3287% | 4,571 |
| Loan loss allowance to noncurrent loans | 80.0797% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 1,747 |
| Noncurrent loans to loans | 0.4104% | 1,792 |
| Net loans and leases to total assets | 67.9100% | 1,684 |
| Net loans and leases to deposits | 74.6144% | 1,989 |
| Net loans and leases to core deposits | 79.9525% | 1,907 |
| Total domestic deposits to total assets | 91.0200% | 1,235 |
| Equity capital to assets | 7.6805% | 3,101 |
| Core capital (leverage) ratio | 10.0478% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5319% | 1,083 |
| Memoranda: | ||
| Average total assets | $176,505,500 | 3,246 |
| Average earning assets | $170,955,250 | 3,165 |
| Average equity | $15,167,500 | 3,395 |
| Average total loans | $118,542,000 | 2,943 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3145% | 2,691 |
| Cost of funding earning assets | 0.7534% | 122 |
| Net interest margin | 2.5611% | 3,977 |
| Noninterest income to average assets | 0.2689% | 3,559 |
| Noninterest expense to average assets | 1.8165% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7533% | 3,130 |
| Return on assets (ROA) | 0.7533% | 3,085 |
| Pretax return on assets | 0.9356% | 2,947 |
| Return on Equity (ROE) | 8.4595% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.4595% | 1,454 |
| Net charge-offs to loans | 0.1671% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.3776% | 1,822 |
| Efficiency ratio | 66.0041% | 2,509 |
| Assets per employee ($millions) | 7.6942% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3635% | 4,633 |
| Loan loss allowance to noncurrent loans | 92.5054% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 1,895 |
| Noncurrent loans to loans | 0.3929% | 1,954 |
| Net loans and leases to total assets | 66.9145% | 1,595 |
| Net loans and leases to deposits | 73.9324% | 1,876 |
| Net loans and leases to core deposits | 79.4829% | 1,750 |
| Total domestic deposits to total assets | 90.5078% | 1,458 |
| Equity capital to assets | 8.2185% | 2,964 |
| Core capital (leverage) ratio | 10.1077% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6124% | 1,053 |
| Memoranda: | ||
| Average total assets | $175,500,667 | 3,283 |
| Average earning assets | $170,163,000 | 3,214 |
| Average equity | $15,627,333 | 3,438 |
| Average total loans | $117,284,000 | 2,973 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2449% | 2,549 |
| Cost of funding earning assets | 0.7564% | 109 |
| Net interest margin | 2.4885% | 3,921 |
| Noninterest income to average assets | 0.2289% | 3,784 |
| Noninterest expense to average assets | 1.8653% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6088% | 3,367 |
| Return on assets (ROA) | 0.6088% | 3,346 |
| Pretax return on assets | 0.7805% | 3,168 |
| Return on Equity (ROE) | 6.5805% | 3,164 |
| Retained earnings to average equity (ytd only) | 6.5805% | 2,040 |
| Net charge-offs to loans | 0.0412% | 869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 28.4167% | 1,156 |
| Efficiency ratio | 70.5017% | 2,154 |
| Assets per employee ($millions) | 7.5139% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4428% | 4,623 |
| Loan loss allowance to noncurrent loans | 117.1946% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 2,030 |
| Noncurrent loans to loans | 0.3779% | 2,138 |
| Net loans and leases to total assets | 67.3875% | 1,273 |
| Net loans and leases to deposits | 75.1756% | 1,508 |
| Net loans and leases to core deposits | 82.0694% | 1,344 |
| Total domestic deposits to total assets | 89.6401% | 1,745 |
| Equity capital to assets | 8.8879% | 2,809 |
| Core capital (leverage) ratio | 9.7448% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2715% | 1,198 |
| Memoranda: | ||
| Average total assets | $174,768,000 | 3,309 |
| Average earning assets | $169,743,000 | 3,226 |
| Average equity | $16,169,000 | 3,455 |
| Average total loans | $116,502,000 | 2,976 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 2,868 |
| Cost of funding earning assets | 0.8600% | 145 |
| Net interest margin | 2.5646% | 4,101 |
| Noninterest income to average assets | 0.1765% | 4,272 |
| Noninterest expense to average assets | 1.8784% | 3,977 |
| Loan and lease loss provision to assets | 0.0853% | 1,444 |
| Net operating income to assets | 0.5628% | 3,953 |
| Return on assets (ROA) | 0.6558% | 3,789 |
| Pretax return on assets | 0.8059% | 3,712 |
| Return on Equity (ROE) | 6.5410% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.5410% | 2,106 |
| Net charge-offs to loans | 0.0806% | 996 |
| Credit loss provision to net charge-offs | 156.0440% | 1,468 |
| Earnings coverage of net charge-offs (x) | 14.2088% | 2,042 |
| Efficiency ratio | 70.7532% | 1,651 |
| Assets per employee ($millions) | 7.6833% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4568% | 4,654 |
| Loan loss allowance to noncurrent loans | 60.7102% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 1,258 |
| Noncurrent loans to loans | 0.7524% | 1,352 |
| Net loans and leases to total assets | 65.3574% | 1,548 |
| Net loans and leases to deposits | 73.5364% | 1,766 |
| Net loans and leases to core deposits | 79.2862% | 1,655 |
| Total domestic deposits to total assets | 88.8776% | 1,587 |
| Equity capital to assets | 9.6075% | 3,040 |
| Core capital (leverage) ratio | 9.5403% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7480% | 1,326 |
| Memoranda: | ||
| Average total assets | $166,526,000 | 3,333 |
| Average earning assets | $160,924,600 | 3,269 |
| Average equity | $16,694,600 | 3,488 |
| Average total loans | $112,891,400 | 3,027 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 2,730 |
| Cost of funding earning assets | 0.8773% | 175 |
| Net interest margin | 2.6582% | 4,040 |
| Noninterest income to average assets | 0.1789% | 4,305 |
| Noninterest expense to average assets | 1.8807% | 3,989 |
| Loan and lease loss provision to assets | 0.1153% | 1,043 |
| Net operating income to assets | 0.6028% | 4,002 |
| Return on assets (ROA) | 0.7277% | 3,762 |
| Pretax return on assets | 0.9058% | 3,678 |
| Return on Equity (ROE) | 7.1783% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.1783% | 2,353 |
| Net charge-offs to loans | 0.0737% | 915 |
| Credit loss provision to net charge-offs | 229.0323% | 1,147 |
| Earnings coverage of net charge-offs (x) | 17.1613% | 1,822 |
| Efficiency ratio | 68.4927% | 1,761 |
| Assets per employee ($millions) | 7.3290% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4759% | 4,727 |
| Loan loss allowance to noncurrent loans | 75.6428% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 1,696 |
| Noncurrent loans to loans | 0.6291% | 1,737 |
| Net loans and leases to total assets | 69.3511% | 1,154 |
| Net loans and leases to deposits | 78.5311% | 1,435 |
| Net loans and leases to core deposits | 84.9610% | 1,354 |
| Total domestic deposits to total assets | 88.3103% | 1,662 |
| Equity capital to assets | 10.0553% | 2,847 |
| Core capital (leverage) ratio | 10.0708% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2983% | 1,541 |
| Memoranda: | ||
| Average total assets | $163,978,500 | 3,392 |
| Average earning assets | $158,351,750 | 3,322 |
| Average equity | $16,623,750 | 3,543 |
| Average total loans | $112,107,500 | 3,086 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 2,524 |
| Cost of funding earning assets | 0.9035% | 184 |
| Net interest margin | 2.7284% | 3,924 |
| Noninterest income to average assets | 0.1908% | 4,249 |
| Noninterest expense to average assets | 1.8566% | 4,062 |
| Loan and lease loss provision to assets | 0.0554% | 1,921 |
| Net operating income to assets | 0.7117% | 3,732 |
| Return on assets (ROA) | 0.8187% | 3,519 |
| Pretax return on assets | 1.0502% | 3,334 |
| Return on Equity (ROE) | 8.0533% | 3,397 |
| Retained earnings to average equity (ytd only) | 8.0533% | 2,055 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6794% | 2,201 |
| Assets per employee ($millions) | 7.1785% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4588% | 4,766 |
| Loan loss allowance to noncurrent loans | 64.6116% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 1,632 |
| Noncurrent loans to loans | 0.7101% | 1,665 |
| Net loans and leases to total assets | 68.8600% | 1,344 |
| Net loans and leases to deposits | 78.0766% | 1,618 |
| Net loans and leases to core deposits | 85.2264% | 1,475 |
| Total domestic deposits to total assets | 88.1955% | 1,723 |
| Equity capital to assets | 10.1517% | 2,722 |
| Core capital (leverage) ratio | 10.0194% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9185% | 1,355 |
| Memoranda: | ||
| Average total assets | $162,449,000 | 3,411 |
| Average earning assets | $156,939,000 | 3,342 |
| Average equity | $16,515,000 | 3,553 |
| Average total loans | $110,322,667 | 3,123 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 2,494 |
| Cost of funding earning assets | 0.9250% | 198 |
| Net interest margin | 2.7261% | 3,910 |
| Noninterest income to average assets | 0.1763% | 4,314 |
| Noninterest expense to average assets | 1.8620% | 4,080 |
| Loan and lease loss provision to assets | 0.0124% | 2,618 |
| Net operating income to assets | 0.7299% | 3,635 |
| Return on assets (ROA) | 0.7299% | 3,702 |
| Pretax return on assets | 0.9359% | 3,523 |
| Return on Equity (ROE) | 7.1742% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.1742% | 2,519 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2544% | 2,189 |
| Assets per employee ($millions) | 6.9813% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4444% | 4,805 |
| Loan loss allowance to noncurrent loans | 53.3553% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 1,653 |
| Noncurrent loans to loans | 0.8329% | 1,603 |
| Net loans and leases to total assets | 67.6629% | 1,572 |
| Net loans and leases to deposits | 76.4097% | 1,861 |
| Net loans and leases to core deposits | 81.7479% | 1,863 |
| Total domestic deposits to total assets | 88.5527% | 1,587 |
| Equity capital to assets | 10.1700% | 2,540 |
| Core capital (leverage) ratio | 10.0862% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6640% | 1,393 |
| Memoranda: | ||
| Average total assets | $161,120,500 | 3,422 |
| Average earning assets | $155,681,500 | 3,354 |
| Average equity | $16,392,000 | 3,570 |
| Average total loans | $108,376,000 | 3,153 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,491 |
| Cost of funding earning assets | 1.2714% | 201 |
| Net interest margin | 2.8041% | 4,261 |
| Noninterest income to average assets | 0.1967% | 4,299 |
| Noninterest expense to average assets | 2.0736% | 3,988 |
| Loan and lease loss provision to assets | 0.0068% | 4,270 |
| Net operating income to assets | 0.6934% | 3,454 |
| Return on assets (ROA) | 0.7428% | 3,415 |
| Pretax return on assets | 0.8807% | 3,425 |
| Return on Equity (ROE) | 7.0099% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.0099% | 1,395 |
| Net charge-offs to loans | 0.0390% | 2,274 |
| Credit loss provision to net charge-offs | 23.2558% | 3,235 |
| Earnings coverage of net charge-offs (x) | 28.5116% | 1,655 |
| Efficiency ratio | 71.4485% | 1,754 |
| Assets per employee ($millions) | 6.7363% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4451% | 4,825 |
| Loan loss allowance to noncurrent loans | 44.9765% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 1,571 |
| Noncurrent loans to loans | 0.9896% | 1,430 |
| Net loans and leases to total assets | 66.2714% | 2,063 |
| Net loans and leases to deposits | 74.9364% | 2,388 |
| Net loans and leases to core deposits | 80.2440% | 2,344 |
| Total domestic deposits to total assets | 88.4369% | 1,259 |
| Equity capital to assets | 10.1775% | 2,956 |
| Core capital (leverage) ratio | 10.0454% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6151% | 1,373 |
| Memoranda: | ||
| Average total assets | $147,953,400 | 3,426 |
| Average earning assets | $142,753,600 | 3,351 |
| Average equity | $15,677,800 | 3,587 |
| Average total loans | $110,208,200 | 3,096 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,228 |
| Cost of funding earning assets | 1.3512% | 193 |
| Net interest margin | 2.9062% | 4,172 |
| Noninterest income to average assets | 0.2269% | 4,136 |
| Noninterest expense to average assets | 2.1357% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7322% | 3,349 |
| Return on assets (ROA) | 0.7980% | 3,218 |
| Pretax return on assets | 0.9733% | 3,153 |
| Return on Equity (ROE) | 7.4485% | 3,029 |
| Retained earnings to average equity (ytd only) | 7.4485% | 1,514 |
| Net charge-offs to loans | 0.0216% | 2,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 53.7778% | 1,154 |
| Efficiency ratio | 70.5148% | 1,816 |
| Assets per employee ($millions) | 6.2122% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4413% | 4,858 |
| Loan loss allowance to noncurrent loans | 78.7879% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 2,364 |
| Noncurrent loans to loans | 0.5601% | 2,394 |
| Net loans and leases to total assets | 74.7567% | 1,274 |
| Net loans and leases to deposits | 85.2483% | 1,785 |
| Net loans and leases to core deposits | 92.0470% | 1,793 |
| Total domestic deposits to total assets | 87.6929% | 1,345 |
| Equity capital to assets | 10.9127% | 2,466 |
| Core capital (leverage) ratio | 10.4930% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3295% | 1,416 |
| Memoranda: | ||
| Average total assets | $144,524,250 | 3,451 |
| Average earning assets | $139,331,750 | 3,376 |
| Average equity | $15,483,750 | 3,609 |
| Average total loans | $110,855,250 | 3,096 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 2,139 |
| Cost of funding earning assets | 1.4198% | 213 |
| Net interest margin | 3.0063% | 4,115 |
| Noninterest income to average assets | 0.2308% | 4,104 |
| Noninterest expense to average assets | 2.0559% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8650% | 2,824 |
| Return on assets (ROA) | 0.9454% | 2,645 |
| Pretax return on assets | 1.1734% | 2,452 |
| Return on Equity (ROE) | 8.8821% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.8821% | 1,036 |
| Net charge-offs to loans | 0.0253% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 54.8571% | 1,034 |
| Efficiency ratio | 65.6836% | 2,567 |
| Assets per employee ($millions) | 6.1710% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 4,885 |
| Loan loss allowance to noncurrent loans | 67.9400% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 2,239 |
| Noncurrent loans to loans | 0.6504% | 2,234 |
| Net loans and leases to total assets | 75.7564% | 1,172 |
| Net loans and leases to deposits | 86.2698% | 1,735 |
| Net loans and leases to core deposits | 95.2510% | 1,639 |
| Total domestic deposits to total assets | 87.8134% | 1,280 |
| Equity capital to assets | 10.8200% | 2,487 |
| Core capital (leverage) ratio | 10.6245% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7401% | 1,309 |
| Memoranda: | ||
| Average total assets | $143,001,333 | 3,452 |
| Average earning assets | $137,909,000 | 3,374 |
| Average equity | $15,221,667 | 3,637 |
| Average total loans | $110,490,000 | 3,092 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 3,028 |
| Cost of funding earning assets | 1.5016% | 268 |
| Net interest margin | 2.7612% | 4,609 |
| Noninterest income to average assets | 0.2962% | 3,749 |
| Noninterest expense to average assets | 2.1930% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5978% | 3,600 |
| Return on assets (ROA) | 0.7576% | 3,141 |
| Pretax return on assets | 0.9712% | 2,930 |
| Return on Equity (ROE) | 7.1795% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.1795% | 1,483 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0385% | 1,812 |
| Assets per employee ($millions) | 5.8070% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4664% | 4,901 |
| Loan loss allowance to noncurrent loans | 60.3306% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 2,072 |
| Noncurrent loans to loans | 0.7731% | 2,070 |
| Net loans and leases to total assets | 78.2455% | 942 |
| Net loans and leases to deposits | 89.0757% | 1,630 |
| Net loans and leases to core deposits | 98.9205% | 1,560 |
| Total domestic deposits to total assets | 87.8416% | 1,166 |
| Equity capital to assets | 10.5483% | 3,276 |
| Core capital (leverage) ratio | 10.6867% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5349% | 1,225 |
| Memoranda: | ||
| Average total assets | $140,449,500 | 3,453 |
| Average earning assets | $135,592,000 | 3,377 |
| Average equity | $14,820,000 | 3,680 |
| Average total loans | $109,386,500 | 3,088 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 3,321 |
| Cost of funding earning assets | 1.4808% | 420 |
| Net interest margin | 2.8927% | 4,664 |
| Noninterest income to average assets | 0.1819% | 4,581 |
| Noninterest expense to average assets | 2.2883% | 3,969 |
| Loan and lease loss provision to assets | 0.1064% | 1,952 |
| Net operating income to assets | 0.5155% | 4,372 |
| Return on assets (ROA) | 0.5155% | 4,423 |
| Pretax return on assets | 0.5781% | 4,448 |
| Return on Equity (ROE) | 4.7380% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.7380% | 2,560 |
| Net charge-offs to loans | 0.1638% | 1,227 |
| Credit loss provision to net charge-offs | 81.9767% | 2,771 |
| Earnings coverage of net charge-offs (x) | 5.2733% | 3,111 |
| Efficiency ratio | 76.9739% | 1,268 |
| Assets per employee ($millions) | 5.8971% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4679% | 4,927 |
| Loan loss allowance to noncurrent loans | 51.7730% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9666% | 1,300 |
| Noncurrent loans to loans | 0.9037% | 1,699 |
| Net loans and leases to total assets | 76.8042% | 1,291 |
| Net loans and leases to deposits | 87.4618% | 1,917 |
| Net loans and leases to core deposits | 97.9130% | 1,737 |
| Total domestic deposits to total assets | 87.8146% | 1,222 |
| Equity capital to assets | 10.5554% | 3,394 |
| Core capital (leverage) ratio | 10.5616% | 2,894 |
| Tier 1 risk-based capital ratio | 16.8613% | 2,099 |
| Total risk-based capital ratio | 17.4454% | 2,280 |
| Memoranda: | ||
| Average total assets | $132,499,400 | 3,532 |
| Average earning assets | $127,837,400 | 3,462 |
| Average equity | $14,415,400 | 3,693 |
| Average total loans | $104,974,400 | 3,152 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 3,291 |
| Cost of funding earning assets | 1.4606% | 468 |
| Net interest margin | 2.9584% | 4,685 |
| Noninterest income to average assets | 0.1884% | 4,586 |
| Noninterest expense to average assets | 2.3515% | 3,819 |
| Loan and lease loss provision to assets | 0.1433% | 1,340 |
| Net operating income to assets | 0.4248% | 4,673 |
| Return on assets (ROA) | 0.4248% | 4,706 |
| Pretax return on assets | 0.5446% | 4,632 |
| Return on Equity (ROE) | 3.8736% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.8736% | 3,466 |
| Net charge-offs to loans | 0.0975% | 1,496 |
| Credit loss provision to net charge-offs | 184.2105% | 1,408 |
| Earnings coverage of net charge-offs (x) | 8.8422% | 2,617 |
| Efficiency ratio | 77.3661% | 1,170 |
| Assets per employee ($millions) | 5.5969% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 4,872 |
| Loan loss allowance to noncurrent loans | 72.0047% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 1,410 |
| Noncurrent loans to loans | 0.7855% | 2,006 |
| Net loans and leases to total assets | 79.4455% | 920 |
| Net loans and leases to deposits | 91.0041% | 1,567 |
| Net loans and leases to core deposits | 100.8077% | 1,596 |
| Total domestic deposits to total assets | 87.2988% | 1,374 |
| Equity capital to assets | 11.0284% | 3,078 |
| Core capital (leverage) ratio | 10.9469% | 2,694 |
| Tier 1 risk-based capital ratio | 17.1398% | 2,038 |
| Total risk-based capital ratio | 17.8580% | 2,156 |
| Memoranda: | ||
| Average total assets | $130,241,750 | 3,596 |
| Average earning assets | $125,514,500 | 3,522 |
| Average equity | $14,284,500 | 3,743 |
| Average total loans | $103,915,000 | 3,210 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 3,458 |
| Cost of funding earning assets | 1.4405% | 461 |
| Net interest margin | 2.9180% | 4,805 |
| Noninterest income to average assets | 0.2142% | 4,460 |
| Noninterest expense to average assets | 2.3758% | 3,802 |
| Loan and lease loss provision to assets | 0.2173% | 767 |
| Net operating income to assets | 0.3414% | 4,817 |
| Return on assets (ROA) | 0.3414% | 4,830 |
| Pretax return on assets | 0.4376% | 4,779 |
| Return on Equity (ROE) | 3.1188% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.1188% | 3,661 |
| Net charge-offs to loans | 0.0233% | 2,378 |
| Credit loss provision to net charge-offs | 1,166.6667% | 301 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 1,334 |
| Efficiency ratio | 78.3922% | 1,102 |
| Assets per employee ($millions) | 5.4422% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 4,810 |
| Loan loss allowance to noncurrent loans | 108.9286% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 1,693 |
| Noncurrent loans to loans | 0.5870% | 2,507 |
| Net loans and leases to total assets | 79.8257% | 906 |
| Net loans and leases to deposits | 91.6041% | 1,535 |
| Net loans and leases to core deposits | 101.8731% | 1,566 |
| Total domestic deposits to total assets | 87.1421% | 1,522 |
| Equity capital to assets | 11.1169% | 2,935 |
| Core capital (leverage) ratio | 11.0594% | 2,539 |
| Tier 1 risk-based capital ratio | 17.3593% | 1,980 |
| Total risk-based capital ratio | 18.1744% | 2,050 |
| Memoranda: | ||
| Average total assets | $128,880,330 | 3,634 |
| Average earning assets | $124,400,330 | 3,553 |
| Average equity | $14,108,000 | 3,771 |
| Average total loans | $102,800,330 | 3,244 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 3,473 |
| Cost of funding earning assets | 1.4041% | 452 |
| Net interest margin | 2.9246% | 4,857 |
| Noninterest income to average assets | 0.1875% | 4,627 |
| Noninterest expense to average assets | 2.4560% | 3,616 |
| Loan and lease loss provision to assets | 0.1750% | 959 |
| Net operating income to assets | 0.2968% | 4,901 |
| Return on assets (ROA) | 0.2968% | 4,905 |
| Pretax return on assets | 0.3812% | 4,861 |
| Return on Equity (ROE) | 2.7334% | 4,841 |
| Retained earnings to average equity (ytd only) | 2.7334% | 3,843 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5353% | 917 |
| Assets per employee ($millions) | 5.3850% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5824% | 4,967 |
| Loan loss allowance to noncurrent loans | 111.7537% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 1,761 |
| Noncurrent loans to loans | 0.5211% | 2,752 |
| Net loans and leases to total assets | 79.1195% | 973 |
| Net loans and leases to deposits | 93.3605% | 1,241 |
| Net loans and leases to core deposits | 103.0901% | 1,376 |
| Total domestic deposits to total assets | 84.7462% | 2,770 |
| Equity capital to assets | 10.8829% | 2,971 |
| Core capital (leverage) ratio | 11.0541% | 2,525 |
| Tier 1 risk-based capital ratio | 17.4276% | 1,964 |
| Total risk-based capital ratio | 18.1646% | 2,083 |
| Memoranda: | ||
| Average total assets | $128,014,500 | 3,682 |
| Average earning assets | $123,639,000 | 3,604 |
| Average equity | $13,902,000 | 3,816 |
| Average total loans | $101,734,000 | 3,300 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 3,464 |
| Cost of funding earning assets | 1.1069% | 480 |
| Net interest margin | 3.0838% | 4,676 |
| Noninterest income to average assets | 0.2221% | 4,593 |
| Noninterest expense to average assets | 2.3468% | 4,000 |
| Loan and lease loss provision to assets | 0.0664% | 2,825 |
| Net operating income to assets | 0.6409% | 4,312 |
| Return on assets (ROA) | 0.6320% | 4,337 |
| Pretax return on assets | 0.7557% | 4,279 |
| Return on Equity (ROE) | 5.8233% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.8233% | 2,282 |
| Net charge-offs to loans | 0.0939% | 1,827 |
| Credit loss provision to net charge-offs | 90.0000% | 2,721 |
| Earnings coverage of net charge-offs (x) | 11.2889% | 2,637 |
| Efficiency ratio | 73.8077% | 1,648 |
| Assets per employee ($millions) | 5.2829% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5397% | 5,078 |
| Loan loss allowance to noncurrent loans | 65.6590% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 1,298 |
| Noncurrent loans to loans | 0.8219% | 1,963 |
| Net loans and leases to total assets | 78.9280% | 1,107 |
| Net loans and leases to deposits | 94.1119% | 1,264 |
| Net loans and leases to core deposits | 104.1700% | 1,399 |
| Total domestic deposits to total assets | 83.8661% | 3,042 |
| Equity capital to assets | 10.8361% | 2,857 |
| Core capital (leverage) ratio | 11.2285% | 2,321 |
| Tier 1 risk-based capital ratio | 17.6874% | 1,851 |
| Total risk-based capital ratio | 18.3700% | 1,971 |
| Memoranda: | ||
| Average total assets | $121,998,400 | 3,757 |
| Average earning assets | $116,997,200 | 3,700 |
| Average equity | $13,240,000 | 3,850 |
| Average total loans | $95,834,800 | 3,370 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 3,557 |
| Cost of funding earning assets | 1.0316% | 517 |
| Net interest margin | 3.0938% | 4,717 |
| Noninterest income to average assets | 0.2329% | 4,578 |
| Noninterest expense to average assets | 2.4392% | 3,763 |
| Loan and lease loss provision to assets | 0.0530% | 2,922 |
| Net operating income to assets | 0.5791% | 4,554 |
| Return on assets (ROA) | 0.5673% | 4,598 |
| Pretax return on assets | 0.6887% | 4,559 |
| Return on Equity (ROE) | 5.2254% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.2254% | 3,103 |
| Net charge-offs to loans | 0.0873% | 1,628 |
| Credit loss provision to net charge-offs | 77.4194% | 2,557 |
| Earnings coverage of net charge-offs (x) | 11.0490% | 2,545 |
| Efficiency ratio | 76.3385% | 1,308 |
| Assets per employee ($millions) | 5.1655% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5538% | 5,120 |
| Loan loss allowance to noncurrent loans | 114.9573% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 1,962 |
| Noncurrent loans to loans | 0.4817% | 2,942 |
| Net loans and leases to total assets | 77.9335% | 1,350 |
| Net loans and leases to deposits | 96.5629% | 1,084 |
| Net loans and leases to core deposits | 107.2166% | 1,214 |
| Total domestic deposits to total assets | 80.7076% | 3,949 |
| Equity capital to assets | 10.6614% | 2,969 |
| Core capital (leverage) ratio | 11.1970% | 2,416 |
| Tier 1 risk-based capital ratio | 17.8169% | 1,836 |
| Total risk-based capital ratio | 18.5108% | 1,954 |
| Memoranda: | ||
| Average total assets | $120,800,750 | 3,816 |
| Average earning assets | $115,671,000 | 3,757 |
| Average equity | $13,115,250 | 3,899 |
| Average total loans | $94,639,750 | 3,424 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 3,482 |
| Cost of funding earning assets | 0.9222% | 663 |
| Net interest margin | 3.1685% | 4,580 |
| Noninterest income to average assets | 0.2455% | 4,537 |
| Noninterest expense to average assets | 2.4035% | 3,890 |
| Loan and lease loss provision to assets | 0.0802% | 2,305 |
| Net operating income to assets | 0.6631% | 4,310 |
| Return on assets (ROA) | 0.6631% | 4,314 |
| Pretax return on assets | 0.7917% | 4,270 |
| Return on Equity (ROE) | 6.0697% | 4,207 |
| Retained earnings to average equity (ytd only) | 6.0697% | 2,517 |
| Net charge-offs to loans | 0.0064% | 2,913 |
| Credit loss provision to net charge-offs | 1,600.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 467 |
| Efficiency ratio | 73.3809% | 1,793 |
| Assets per employee ($millions) | 5.0838% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6276% | 5,055 |
| Loan loss allowance to noncurrent loans | 81.4461% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9802% | 1,537 |
| Noncurrent loans to loans | 0.7706% | 2,194 |
| Net loans and leases to total assets | 77.4692% | 1,401 |
| Net loans and leases to deposits | 96.7689% | 1,059 |
| Net loans and leases to core deposits | 107.0999% | 1,175 |
| Total domestic deposits to total assets | 80.0559% | 4,225 |
| Equity capital to assets | 10.7966% | 2,836 |
| Core capital (leverage) ratio | 11.3158% | 2,239 |
| Tier 1 risk-based capital ratio | 17.5495% | 1,927 |
| Total risk-based capital ratio | 18.3145% | 2,024 |
| Memoranda: | ||
| Average total assets | $119,744,000 | 3,866 |
| Average earning assets | $114,503,000 | 3,799 |
| Average equity | $13,081,330 | 3,919 |
| Average total loans | $93,802,000 | 3,448 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,415 |
| Cost of funding earning assets | 0.8221% | 863 |
| Net interest margin | 3.2286% | 4,376 |
| Noninterest income to average assets | 0.1855% | 4,917 |
| Noninterest expense to average assets | 2.5293% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6812% | 4,166 |
| Return on assets (ROA) | 0.6812% | 4,172 |
| Pretax return on assets | 0.7554% | 4,275 |
| Return on Equity (ROE) | 6.1985% | 4,093 |
| Retained earnings to average equity (ytd only) | 6.1985% | 2,626 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0021% | 1,461 |
| Assets per employee ($millions) | 4.9365% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5851% | 5,212 |
| Loan loss allowance to noncurrent loans | 87.8981% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6837% | 2,279 |
| Noncurrent loans to loans | 0.6656% | 2,555 |
| Net loans and leases to total assets | 79.1656% | 1,054 |
| Net loans and leases to deposits | 95.7707% | 1,060 |
| Net loans and leases to core deposits | 105.5788% | 1,267 |
| Total domestic deposits to total assets | 82.6616% | 3,766 |
| Equity capital to assets | 10.9473% | 2,638 |
| Core capital (leverage) ratio | 11.3790% | 2,101 |
| Tier 1 risk-based capital ratio | 18.3117% | 1,741 |
| Total risk-based capital ratio | 19.0603% | 1,835 |
| Memoranda: | ||
| Average total assets | $118,610,500 | 3,920 |
| Average earning assets | $113,858,500 | 3,852 |
| Average equity | $13,035,500 | 3,962 |
| Average total loans | $93,144,000 | 3,482 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 3,611 |
| Cost of funding earning assets | 0.7897% | 654 |
| Net interest margin | 3.1505% | 4,576 |
| Noninterest income to average assets | 0.1913% | 4,997 |
| Noninterest expense to average assets | 2.2941% | 4,343 |
| Loan and lease loss provision to assets | 0.0617% | 2,992 |
| Net operating income to assets | 0.5189% | 4,328 |
| Return on assets (ROA) | 0.5340% | 4,315 |
| Pretax return on assets | 0.8809% | 3,973 |
| Return on Equity (ROE) | 4.7794% | 4,256 |
| Retained earnings to average equity (ytd only) | 4.7794% | 2,270 |
| Net charge-offs to loans | 0.1307% | 1,748 |
| Credit loss provision to net charge-offs | 60.1695% | 3,210 |
| Earnings coverage of net charge-offs (x) | 8.9576% | 2,846 |
| Efficiency ratio | 71.3938% | 2,321 |
| Assets per employee ($millions) | 4.9477% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 5,245 |
| Loan loss allowance to noncurrent loans | 74.1935% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 1,998 |
| Noncurrent loans to loans | 0.8092% | 2,190 |
| Net loans and leases to total assets | 76.9647% | 1,439 |
| Net loans and leases to deposits | 90.0209% | 1,773 |
| Net loans and leases to core deposits | 98.9358% | 1,794 |
| Total domestic deposits to total assets | 85.4965% | 2,653 |
| Equity capital to assets | 11.0330% | 2,601 |
| Core capital (leverage) ratio | 11.1211% | 2,226 |
| Tier 1 risk-based capital ratio | 18.1138% | 1,771 |
| Total risk-based capital ratio | 18.8657% | 1,861 |
| Memoranda: | ||
| Average total assets | $114,990,000 | 3,977 |
| Average earning assets | $110,299,800 | 3,907 |
| Average equity | $12,846,800 | 4,005 |
| Average total loans | $90,312,400 | 3,519 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 3,615 |
| Cost of funding earning assets | 0.7800% | 650 |
| Net interest margin | 3.1430% | 4,595 |
| Noninterest income to average assets | 0.1789% | 5,122 |
| Noninterest expense to average assets | 2.2925% | 4,321 |
| Loan and lease loss provision to assets | 0.1052% | 2,009 |
| Net operating income to assets | 0.5251% | 4,663 |
| Return on assets (ROA) | 0.5459% | 4,624 |
| Pretax return on assets | 0.8277% | 4,276 |
| Return on Equity (ROE) | 4.8708% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.8708% | 2,971 |
| Net charge-offs to loans | 0.1365% | 1,431 |
| Credit loss provision to net charge-offs | 97.8261% | 2,344 |
| Earnings coverage of net charge-offs (x) | 8.3806% | 2,790 |
| Efficiency ratio | 71.7789% | 2,231 |
| Assets per employee ($millions) | 4.8252% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 5,267 |
| Loan loss allowance to noncurrent loans | 67.6123% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 1,727 |
| Noncurrent loans to loans | 0.9366% | 2,049 |
| Net loans and leases to total assets | 77.5094% | 1,343 |
| Net loans and leases to deposits | 89.6532% | 1,848 |
| Net loans and leases to core deposits | 97.0493% | 1,975 |
| Total domestic deposits to total assets | 86.4547% | 2,115 |
| Equity capital to assets | 11.2949% | 2,578 |
| Core capital (leverage) ratio | 11.4213% | 2,079 |
| Tier 1 risk-based capital ratio | 18.4010% | 1,757 |
| Total risk-based capital ratio | 19.2033% | 1,817 |
| Memoranda: | ||
| Average total assets | $114,051,500 | 4,035 |
| Average earning assets | $109,405,250 | 3,968 |
| Average equity | $12,783,250 | 4,052 |
| Average total loans | $89,879,750 | 3,562 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 3,708 |
| Cost of funding earning assets | 0.7458% | 700 |
| Net interest margin | 3.1078% | 4,657 |
| Noninterest income to average assets | 0.1780% | 5,165 |
| Noninterest expense to average assets | 2.1751% | 4,613 |
| Loan and lease loss provision to assets | 0.1058% | 1,923 |
| Net operating income to assets | 0.5852% | 4,368 |
| Return on assets (ROA) | 0.5852% | 4,422 |
| Pretax return on assets | 0.8866% | 3,969 |
| Return on Equity (ROE) | 5.2348% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.2348% | 2,558 |
| Net charge-offs to loans | 0.0602% | 2,071 |
| Credit loss provision to net charge-offs | 222.2222% | 1,171 |
| Earnings coverage of net charge-offs (x) | 20.8519% | 1,775 |
| Efficiency ratio | 68.6700% | 2,897 |
| Assets per employee ($millions) | 4.6578% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 5,257 |
| Loan loss allowance to noncurrent loans | 43.8584% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4769% | 1,042 |
| Noncurrent loans to loans | 1.5367% | 1,214 |
| Net loans and leases to total assets | 80.0254% | 951 |
| Net loans and leases to deposits | 92.9637% | 1,364 |
| Net loans and leases to core deposits | 100.4390% | 1,619 |
| Total domestic deposits to total assets | 86.0825% | 2,344 |
| Equity capital to assets | 11.6203% | 2,216 |
| Core capital (leverage) ratio | 11.6657% | 1,857 |
| Tier 1 risk-based capital ratio | 18.5973% | 1,692 |
| Total risk-based capital ratio | 19.4666% | 1,757 |
| Memoranda: | ||
| Average total assets | $113,467,330 | 4,070 |
| Average earning assets | $109,144,670 | 3,994 |
| Average equity | $12,684,330 | 4,080 |
| Average total loans | $89,729,330 | 3,580 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 3,570 |
| Cost of funding earning assets | 0.7373% | 701 |
| Net interest margin | 3.1164% | 4,615 |
| Noninterest income to average assets | 0.1785% | 5,200 |
| Noninterest expense to average assets | 2.0296% | 4,981 |
| Loan and lease loss provision to assets | 0.1575% | 1,148 |
| Net operating income to assets | 0.6544% | 3,914 |
| Return on assets (ROA) | 0.6544% | 3,950 |
| Pretax return on assets | 0.9938% | 3,396 |
| Return on Equity (ROE) | 5.9690% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.9690% | 2,358 |
| Net charge-offs to loans | 0.0313% | 2,141 |
| Credit loss provision to net charge-offs | 642.8571% | 485 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 936 |
| Efficiency ratio | 63.8064% | 3,868 |
| Assets per employee ($millions) | 4.7035% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 5,342 |
| Loan loss allowance to noncurrent loans | 42.1778% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5113% | 1,054 |
| Noncurrent loans to loans | 1.6208% | 1,205 |
| Net loans and leases to total assets | 78.7625% | 1,017 |
| Net loans and leases to deposits | 91.0600% | 1,422 |
| Net loans and leases to core deposits | 98.5273% | 1,615 |
| Total domestic deposits to total assets | 86.4951% | 2,441 |
| Equity capital to assets | 11.2026% | 2,430 |
| Core capital (leverage) ratio | 11.3255% | 2,081 |
| Tier 1 risk-based capital ratio | 18.4860% | 1,745 |
| Total risk-based capital ratio | 19.3671% | 1,799 |
| Memoranda: | ||
| Average total assets | $114,307,500 | 4,089 |
| Average earning assets | $110,127,500 | 4,015 |
| Average equity | $12,531,500 | 4,132 |
| Average total loans | $89,561,500 | 3,605 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,835 |
| Cost of funding earning assets | 0.8074% | 482 |
| Net interest margin | 3.0127% | 4,931 |
| Noninterest income to average assets | 0.1908% | 5,265 |
| Noninterest expense to average assets | 2.3453% | 4,434 |
| Loan and lease loss provision to assets | 0.0895% | 2,577 |
| Net operating income to assets | 0.4706% | 4,744 |
| Return on assets (ROA) | 0.5201% | 4,636 |
| Pretax return on assets | 0.7272% | 4,399 |
| Return on Equity (ROE) | 4.6460% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.6460% | 2,589 |
| Net charge-offs to loans | 0.1249% | 1,998 |
| Credit loss provision to net charge-offs | 90.8257% | 2,781 |
| Earnings coverage of net charge-offs (x) | 7.5872% | 2,998 |
| Efficiency ratio | 75.8187% | 2,009 |
| Assets per employee ($millions) | 4.8221% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 5,466 |
| Loan loss allowance to noncurrent loans | 32.6507% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.6720% | 931 |
| Noncurrent loans to loans | 1.9621% | 925 |
| Net loans and leases to total assets | 76.9256% | 1,375 |
| Net loans and leases to deposits | 88.4107% | 1,873 |
| Net loans and leases to core deposits | 95.1549% | 1,997 |
| Total domestic deposits to total assets | 87.0094% | 2,140 |
| Equity capital to assets | 10.7293% | 2,889 |
| Core capital (leverage) ratio | 11.0027% | 2,333 |
| Tier 1 risk-based capital ratio | 18.5002% | 1,729 |
| Total risk-based capital ratio | 19.3394% | 1,787 |
| Memoranda: | ||
| Average total assets | $110,559,200 | 4,150 |
| Average earning assets | $106,514,400 | 4,067 |
| Average equity | $12,376,200 | 4,194 |
| Average total loans | $87,269,000 | 3,634 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 3,801 |
| Cost of funding earning assets | 0.8094% | 483 |
| Net interest margin | 3.0300% | 4,955 |
| Noninterest income to average assets | 0.1940% | 5,306 |
| Noninterest expense to average assets | 2.3331% | 4,448 |
| Loan and lease loss provision to assets | 0.0622% | 2,986 |
| Net operating income to assets | 0.4821% | 4,760 |
| Return on assets (ROA) | 0.5442% | 4,626 |
| Pretax return on assets | 0.8102% | 4,277 |
| Return on Equity (ROE) | 4.8087% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.8087% | 2,950 |
| Net charge-offs to loans | 0.1107% | 1,834 |
| Credit loss provision to net charge-offs | 70.8333% | 2,779 |
| Earnings coverage of net charge-offs (x) | 8.8748% | 2,727 |
| Efficiency ratio | 74.9510% | 2,117 |
| Assets per employee ($millions) | 4.7363% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 5,549 |
| Loan loss allowance to noncurrent loans | 42.3946% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4445% | 1,271 |
| Noncurrent loans to loans | 1.5095% | 1,429 |
| Net loans and leases to total assets | 76.9000% | 1,381 |
| Net loans and leases to deposits | 88.7739% | 1,920 |
| Net loans and leases to core deposits | 95.6933% | 2,027 |
| Total domestic deposits to total assets | 86.6246% | 2,072 |
| Equity capital to assets | 11.0846% | 2,928 |
| Core capital (leverage) ratio | 11.2449% | 2,235 |
| Tier 1 risk-based capital ratio | 18.2289% | 1,854 |
| Total risk-based capital ratio | 19.0484% | 1,939 |
| Memoranda: | ||
| Average total assets | $109,266,500 | 4,213 |
| Average earning assets | $105,257,000 | 4,116 |
| Average equity | $12,366,000 | 4,234 |
| Average total loans | $86,686,250 | 3,667 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 3,787 |
| Cost of funding earning assets | 0.8164% | 446 |
| Net interest margin | 3.0294% | 5,020 |
| Noninterest income to average assets | 0.2078% | 5,250 |
| Noninterest expense to average assets | 2.3433% | 4,488 |
| Loan and lease loss provision to assets | 0.0816% | 2,505 |
| Net operating income to assets | 0.4830% | 4,751 |
| Return on assets (ROA) | 0.5789% | 4,482 |
| Pretax return on assets | 0.8497% | 4,120 |
| Return on Equity (ROE) | 5.0781% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.0781% | 2,678 |
| Net charge-offs to loans | 0.1229% | 1,611 |
| Credit loss provision to net charge-offs | 83.0189% | 2,335 |
| Earnings coverage of net charge-offs (x) | 8.0377% | 2,557 |
| Efficiency ratio | 74.7780% | 2,248 |
| Assets per employee ($millions) | 4.5090% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 5,595 |
| Loan loss allowance to noncurrent loans | 46.6721% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 1,309 |
| Noncurrent loans to loans | 1.4077% | 1,582 |
| Net loans and leases to total assets | 80.3447% | 851 |
| Net loans and leases to deposits | 93.3277% | 1,364 |
| Net loans and leases to core deposits | 99.7213% | 1,651 |
| Total domestic deposits to total assets | 86.0888% | 2,374 |
| Equity capital to assets | 11.5344% | 2,509 |
| Core capital (leverage) ratio | 11.5427% | 1,957 |
| Tier 1 risk-based capital ratio | 18.4893% | 1,804 |
| Total risk-based capital ratio | 19.3473% | 1,875 |
| Memoranda: | ||
| Average total assets | $107,798,330 | 4,270 |
| Average earning assets | $104,114,330 | 4,170 |
| Average equity | $12,288,000 | 4,269 |
| Average total loans | $86,256,330 | 3,686 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 3,790 |
| Cost of funding earning assets | 0.8194% | 441 |
| Net interest margin | 3.0237% | 5,061 |
| Noninterest income to average assets | 0.1747% | 5,451 |
| Noninterest expense to average assets | 2.3348% | 4,563 |
| Loan and lease loss provision to assets | 0.1524% | 1,386 |
| Net operating income to assets | 0.3963% | 5,006 |
| Return on assets (ROA) | 0.5800% | 4,385 |
| Pretax return on assets | 0.8923% | 3,871 |
| Return on Equity (ROE) | 5.1185% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,861 |
| Net charge-offs to loans | 0.1635% | 1,152 |
| Credit loss provision to net charge-offs | 117.1429% | 1,458 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,289 |
| Efficiency ratio | 75.3902% | 2,271 |
| Assets per employee ($millions) | 4.4525% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 5,633 |
| Loan loss allowance to noncurrent loans | 58.0709% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 1,636 |
| Noncurrent loans to loans | 1.1657% | 2,075 |
| Net loans and leases to total assets | 81.0135% | 682 |
| Net loans and leases to deposits | 94.1163% | 1,136 |
| Net loans and leases to core deposits | 100.9574% | 1,408 |
| Total domestic deposits to total assets | 86.0780% | 2,642 |
| Equity capital to assets | 11.4926% | 2,448 |
| Core capital (leverage) ratio | 11.3588% | 2,084 |
| Tier 1 risk-based capital ratio | 18.2002% | 1,931 |
| Total risk-based capital ratio | 19.0779% | 1,995 |
| Memoranda: | ||
| Average total assets | $107,590,000 | 4,312 |
| Average earning assets | $103,977,000 | 4,208 |
| Average equity | $12,191,000 | 4,298 |
| Average total loans | $85,624,500 | 3,706 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,295 |
| Cost of funding earning assets | 0.7743% | 560 |
| Net interest margin | 3.2294% | 4,534 |
| Noninterest income to average assets | 0.1954% | 5,414 |
| Noninterest expense to average assets | 2.5114% | 4,193 |
| Loan and lease loss provision to assets | 0.1678% | 1,368 |
| Net operating income to assets | 0.4407% | 4,913 |
| Return on assets (ROA) | 0.4835% | 4,840 |
| Pretax return on assets | 0.6888% | 4,559 |
| Return on Equity (ROE) | 4.1322% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.1322% | 3,058 |
| Net charge-offs to loans | 0.2828% | 1,074 |
| Credit loss provision to net charge-offs | 74.5614% | 3,051 |
| Earnings coverage of net charge-offs (x) | 3.5351% | 3,716 |
| Efficiency ratio | 75.9475% | 2,276 |
| Assets per employee ($millions) | 4.5133% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 5,641 |
| Loan loss allowance to noncurrent loans | 59.0313% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 1,982 |
| Noncurrent loans to loans | 1.1785% | 2,001 |
| Net loans and leases to total assets | 77.0892% | 1,244 |
| Net loans and leases to deposits | 88.2696% | 1,844 |
| Net loans and leases to core deposits | 94.0540% | 2,042 |
| Total domestic deposits to total assets | 87.3338% | 1,965 |
| Equity capital to assets | 11.1715% | 2,656 |
| Core capital (leverage) ratio | 11.1521% | 2,262 |
| Tier 1 risk-based capital ratio | 18.5516% | 1,819 |
| Total risk-based capital ratio | 19.4501% | 1,876 |
| Memoranda: | ||
| Average total assets | $101,338,600 | 4,438 |
| Average earning assets | $97,635,000 | 4,347 |
| Average equity | $11,858,000 | 4,333 |
| Average total loans | $80,617,800 | 3,807 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,186 |
| Cost of funding earning assets | 0.7497% | 649 |
| Net interest margin | 3.2867% | 4,409 |
| Noninterest income to average assets | 0.2008% | 5,437 |
| Noninterest expense to average assets | 2.5115% | 4,161 |
| Loan and lease loss provision to assets | 0.1794% | 1,166 |
| Net operating income to assets | 0.4706% | 4,896 |
| Return on assets (ROA) | 0.5221% | 4,800 |
| Pretax return on assets | 0.7470% | 4,507 |
| Return on Equity (ROE) | 4.4077% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.4077% | 3,333 |
| Net charge-offs to loans | 0.0585% | 2,768 |
| Credit loss provision to net charge-offs | 382.8571% | 787 |
| Earnings coverage of net charge-offs (x) | 18.1982% | 2,011 |
| Efficiency ratio | 74.6518% | 2,448 |
| Assets per employee ($millions) | 4.4191% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 5,236 |
| Loan loss allowance to noncurrent loans | 61.2903% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 1,750 |
| Noncurrent loans to loans | 1.4524% | 1,720 |
| Net loans and leases to total assets | 77.7878% | 1,136 |
| Net loans and leases to deposits | 89.2511% | 1,741 |
| Net loans and leases to core deposits | 95.2469% | 1,954 |
| Total domestic deposits to total assets | 87.1562% | 1,956 |
| Equity capital to assets | 11.3258% | 2,673 |
| Core capital (leverage) ratio | 11.4439% | 2,083 |
| Tier 1 risk-based capital ratio | 19.4076% | 1,682 |
| Total risk-based capital ratio | 20.6083% | 1,664 |
| Memoranda: | ||
| Average total assets | $99,593,250 | 4,519 |
| Average earning assets | $95,859,000 | 4,440 |
| Average equity | $11,797,250 | 4,391 |
| Average total loans | $79,814,750 | 3,863 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,081 |
| Cost of funding earning assets | 0.7057% | 817 |
| Net interest margin | 3.3429% | 4,132 |
| Noninterest income to average assets | 0.2217% | 5,381 |
| Noninterest expense to average assets | 2.6396% | 3,775 |
| Loan and lease loss provision to assets | 0.1232% | 1,790 |
| Net operating income to assets | 0.4938% | 4,798 |
| Return on assets (ROA) | 0.5193% | 4,788 |
| Pretax return on assets | 0.7122% | 4,616 |
| Return on Equity (ROE) | 4.3153% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.3153% | 3,281 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7303% | 2,240 |
| Assets per employee ($millions) | 4.2765% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 5,430 |
| Loan loss allowance to noncurrent loans | 47.1774% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.7859% | 1,296 |
| Noncurrent loans to loans | 1.8274% | 1,387 |
| Net loans and leases to total assets | 78.6515% | 986 |
| Net loans and leases to deposits | 90.7511% | 1,506 |
| Net loans and leases to core deposits | 93.6984% | 1,992 |
| Total domestic deposits to total assets | 86.6673% | 2,335 |
| Equity capital to assets | 11.5048% | 2,407 |
| Core capital (leverage) ratio | 11.9700% | 1,680 |
| Tier 1 risk-based capital ratio | 19.9478% | 1,560 |
| Total risk-based capital ratio | 21.1305% | 1,535 |
| Memoranda: | ||
| Average total assets | $97,438,000 | 4,603 |
| Average earning assets | $93,810,670 | 4,522 |
| Average equity | $11,725,670 | 4,432 |
| Average total loans | $78,672,330 | 3,928 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 2,555 |
| Cost of funding earning assets | 0.6971% | 865 |
| Net interest margin | 3.4767% | 3,522 |
| Noninterest income to average assets | 0.1940% | 5,549 |
| Noninterest expense to average assets | 2.7710% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5026% | 4,672 |
| Return on assets (ROA) | 0.5694% | 4,512 |
| Pretax return on assets | 0.8688% | 3,998 |
| Return on Equity (ROE) | 4.6215% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.6215% | 3,256 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3075% | 2,145 |
| Assets per employee ($millions) | 3.9348% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 5,623 |
| Loan loss allowance to noncurrent loans | 84.8085% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 2,144 |
| Noncurrent loans to loans | 0.9765% | 2,817 |
| Net loans and leases to total assets | 81.4092% | 527 |
| Net loans and leases to deposits | 93.1076% | 1,077 |
| Net loans and leases to core deposits | 95.3644% | 1,662 |
| Total domestic deposits to total assets | 87.4357% | 2,150 |
| Equity capital to assets | 12.4627% | 1,714 |
| Core capital (leverage) ratio | 12.3664% | 1,419 |
| Tier 1 risk-based capital ratio | 22.0523% | 1,234 |
| Total risk-based capital ratio | 23.2600% | 1,223 |
| Memoranda: | ||
| Average total assets | $94,839,500 | 4,695 |
| Average earning assets | $91,236,000 | 4,613 |
| Average equity | $11,684,500 | 4,474 |
| Average total loans | $77,295,500 | 3,984 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 3,656 |
| Cost of funding earning assets | 0.7364% | 913 |
| Net interest margin | 3.2830% | 4,643 |
| Noninterest income to average assets | 0.1678% | 5,853 |
| Noninterest expense to average assets | 2.5062% | 4,527 |
| Loan and lease loss provision to assets | 0.1833% | 1,402 |
| Net operating income to assets | 0.4201% | 5,151 |
| Return on assets (ROA) | 0.4201% | 5,225 |
| Pretax return on assets | 0.6322% | 4,832 |
| Return on Equity (ROE) | 3.5827% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.5827% | 3,673 |
| Net charge-offs to loans | 0.3047% | 1,450 |
| Credit loss provision to net charge-offs | 78.4141% | 2,897 |
| Earnings coverage of net charge-offs (x) | 3.4890% | 3,879 |
| Efficiency ratio | 75.4495% | 2,604 |
| Assets per employee ($millions) | 3.9685% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 5,679 |
| Loan loss allowance to noncurrent loans | 43.0295% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.0767% | 1,200 |
| Noncurrent loans to loans | 1.9359% | 1,450 |
| Net loans and leases to total assets | 80.2446% | 713 |
| Net loans and leases to deposits | 91.5274% | 1,345 |
| Net loans and leases to core deposits | 93.7170% | 1,940 |
| Total domestic deposits to total assets | 87.6728% | 1,941 |
| Equity capital to assets | 12.1791% | 1,883 |
| Core capital (leverage) ratio | 12.1665% | 1,519 |
| Tier 1 risk-based capital ratio | 21.0733% | 1,389 |
| Total risk-based capital ratio | 22.2408% | 1,373 |
| Memoranda: | ||
| Average total assets | $97,118,600 | 4,673 |
| Average earning assets | $93,297,400 | 4,573 |
| Average equity | $11,388,000 | 4,481 |
| Average total loans | $74,490,400 | 4,041 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,860 |
| Cost of funding earning assets | 0.7281% | 1,000 |
| Net interest margin | 3.2451% | 4,808 |
| Noninterest income to average assets | 0.1476% | 6,031 |
| Noninterest expense to average assets | 2.4115% | 4,792 |
| Loan and lease loss provision to assets | 0.1899% | 1,279 |
| Net operating income to assets | 0.4263% | 5,152 |
| Return on assets (ROA) | 0.4263% | 5,229 |
| Pretax return on assets | 0.6640% | 4,823 |
| Return on Equity (ROE) | 3.6700% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.6700% | 4,031 |
| Net charge-offs to loans | 0.3611% | 1,111 |
| Credit loss provision to net charge-offs | 69.5000% | 2,772 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,734 |
| Efficiency ratio | 73.8494% | 2,846 |
| Assets per employee ($millions) | 4.0428% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 5,764 |
| Loan loss allowance to noncurrent loans | 59.4340% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 2,011 |
| Noncurrent loans to loans | 1.4198% | 2,291 |
| Net loans and leases to total assets | 76.2991% | 1,182 |
| Net loans and leases to deposits | 86.6598% | 1,835 |
| Net loans and leases to core deposits | 88.6842% | 2,353 |
| Total domestic deposits to total assets | 88.0444% | 1,738 |
| Equity capital to assets | 11.8226% | 2,210 |
| Core capital (leverage) ratio | 11.8442% | 1,800 |
| Tier 1 risk-based capital ratio | 21.0230% | 1,449 |
| Total risk-based capital ratio | 22.1755% | 1,446 |
| Memoranda: | ||
| Average total assets | $97,587,000 | 4,704 |
| Average earning assets | $93,759,500 | 4,603 |
| Average equity | $11,335,000 | 4,519 |
| Average total loans | $73,845,250 | 4,095 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 4,000 |
| Cost of funding earning assets | 0.7173% | 1,105 |
| Net interest margin | 3.2162% | 4,889 |
| Noninterest income to average assets | 0.0941% | 6,305 |
| Noninterest expense to average assets | 2.4362% | 4,780 |
| Loan and lease loss provision to assets | 0.1145% | 2,122 |
| Net operating income to assets | 0.4071% | 5,193 |
| Return on assets (ROA) | 0.4071% | 5,275 |
| Pretax return on assets | 0.6341% | 4,841 |
| Return on Equity (ROE) | 3.5253% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.5253% | 3,958 |
| Net charge-offs to loans | 0.2691% | 1,472 |
| Credit loss provision to net charge-offs | 56.5657% | 2,691 |
| Earnings coverage of net charge-offs (x) | 3.6970% | 3,240 |
| Efficiency ratio | 76.4933% | 2,539 |
| Assets per employee ($millions) | 3.9971% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 5,781 |
| Loan loss allowance to noncurrent loans | 63.6542% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 2,263 |
| Noncurrent loans to loans | 1.3818% | 2,494 |
| Net loans and leases to total assets | 76.1232% | 1,144 |
| Net loans and leases to deposits | 86.4662% | 1,777 |
| Net loans and leases to core deposits | 87.4478% | 2,368 |
| Total domestic deposits to total assets | 88.0382% | 1,878 |
| Equity capital to assets | 11.8555% | 2,100 |
| Core capital (leverage) ratio | 11.8607% | 1,745 |
| Tier 1 risk-based capital ratio | 21.2713% | 1,393 |
| Total risk-based capital ratio | 22.4752% | 1,376 |
| Memoranda: | ||
| Average total assets | $97,774,000 | 4,737 |
| Average earning assets | $93,961,670 | 4,641 |
| Average equity | $11,289,670 | 4,539 |
| Average total loans | $73,573,670 | 4,117 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,121 |
| Cost of funding earning assets | 0.7158% | 1,151 |
| Net interest margin | 3.1746% | 5,005 |
| Noninterest income to average assets | 0.1702% | 5,952 |
| Noninterest expense to average assets | 2.2372% | 5,363 |
| Loan and lease loss provision to assets | 0.0365% | 3,330 |
| Net operating income to assets | 0.6160% | 4,119 |
| Return on assets (ROA) | 0.6160% | 4,195 |
| Pretax return on assets | 0.9524% | 3,500 |
| Return on Equity (ROE) | 5.4054% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4054% | 2,849 |
| Net charge-offs to loans | 0.0490% | 2,699 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 27.1111% | 1,114 |
| Efficiency ratio | 69.3467% | 3,942 |
| Assets per employee ($millions) | 4.0652% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 5,728 |
| Loan loss allowance to noncurrent loans | 110.3668% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 3,004 |
| Noncurrent loans to loans | 0.8539% | 3,761 |
| Net loans and leases to total assets | 74.5534% | 1,179 |
| Net loans and leases to deposits | 84.4259% | 1,783 |
| Net loans and leases to core deposits | 85.3632% | 2,384 |
| Total domestic deposits to total assets | 88.3063% | 2,054 |
| Equity capital to assets | 11.5984% | 2,171 |
| Core capital (leverage) ratio | 11.6156% | 1,887 |
| Tier 1 risk-based capital ratio | 22.1677% | 1,265 |
| Total risk-based capital ratio | 23.3747% | 1,253 |
| Memoranda: | ||
| Average total assets | $98,696,000 | 4,762 |
| Average earning assets | $95,005,000 | 4,655 |
| Average equity | $11,248,000 | 4,561 |
| Average total loans | $73,524,000 | 4,146 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,951 |
| Cost of funding earning assets | 0.7644% | 1,415 |
| Net interest margin | 3.2760% | 4,752 |
| Noninterest income to average assets | 0.2066% | 5,846 |
| Noninterest expense to average assets | 2.4044% | 5,056 |
| Loan and lease loss provision to assets | 0.3919% | 766 |
| Net operating income to assets | 0.3818% | 5,212 |
| Return on assets (ROA) | 0.3818% | 5,327 |
| Pretax return on assets | 0.5530% | 5,037 |
| Return on Equity (ROE) | 3.4365% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.4365% | 3,790 |
| Net charge-offs to loans | 0.2031% | 2,846 |
| Credit loss provision to net charge-offs | 258.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 6.2200% | 3,103 |
| Efficiency ratio | 71.7871% | 3,513 |
| Assets per employee ($millions) | 4.1595% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 5,799 |
| Loan loss allowance to noncurrent loans | 101.6176% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 3,082 |
| Noncurrent loans to loans | 0.9237% | 3,680 |
| Net loans and leases to total assets | 73.0534% | 1,514 |
| Net loans and leases to deposits | 82.4015% | 2,144 |
| Net loans and leases to core deposits | 83.7596% | 2,703 |
| Total domestic deposits to total assets | 88.6554% | 1,825 |
| Equity capital to assets | 11.1994% | 2,428 |
| Core capital (leverage) ratio | 11.1994% | 2,196 |
| Tier 1 risk-based capital ratio | 21.6252% | 1,315 |
| Total risk-based capital ratio | 22.8322% | 1,301 |
| Memoranda: | ||
| Average total assets | $98,737,600 | 4,770 |
| Average earning assets | $94,717,800 | 4,662 |
| Average equity | $10,970,400 | 4,640 |
| Average total loans | $73,851,200 | 4,136 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 3,748 |
| Cost of funding earning assets | 0.7671% | 1,501 |
| Net interest margin | 3.3354% | 4,510 |
| Noninterest income to average assets | 0.2139% | 5,901 |
| Noninterest expense to average assets | 2.4265% | 4,938 |
| Loan and lease loss provision to assets | 0.4414% | 652 |
| Net operating income to assets | 0.3494% | 5,435 |
| Return on assets (ROA) | 0.3494% | 5,562 |
| Pretax return on assets | 0.5430% | 5,226 |
| Return on Equity (ROE) | 3.1507% | 5,548 |
| Retained earnings to average equity (ytd only) | 3.1507% | 4,426 |
| Net charge-offs to loans | 0.2381% | 2,375 |
| Credit loss provision to net charge-offs | 246.9697% | 998 |
| Earnings coverage of net charge-offs (x) | 5.5074% | 3,174 |
| Efficiency ratio | 71.1393% | 3,580 |
| Assets per employee ($millions) | 4.0856% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 6,073 |
| Loan loss allowance to noncurrent loans | 133.5391% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 3,720 |
| Noncurrent loans to loans | 0.6683% | 4,531 |
| Net loans and leases to total assets | 73.4985% | 1,368 |
| Net loans and leases to deposits | 82.9705% | 2,004 |
| Net loans and leases to core deposits | 84.1122% | 2,637 |
| Total domestic deposits to total assets | 88.5840% | 1,791 |
| Equity capital to assets | 11.2794% | 2,488 |
| Core capital (leverage) ratio | 11.2794% | 2,217 |
| Tier 1 risk-based capital ratio | 21.8772% | 1,340 |
| Total risk-based capital ratio | 23.0838% | 1,329 |
| Memoranda: | ||
| Average total assets | $98,465,250 | 4,821 |
| Average earning assets | $94,379,000 | 4,719 |
| Average equity | $10,918,000 | 4,704 |
| Average total loans | $73,909,500 | 4,159 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 3,560 |
| Cost of funding earning assets | 0.7765% | 1,546 |
| Net interest margin | 3.3684% | 4,309 |
| Noninterest income to average assets | 0.2759% | 5,474 |
| Noninterest expense to average assets | 2.5030% | 4,713 |
| Loan and lease loss provision to assets | 0.6612% | 367 |
| Net operating income to assets | 0.2170% | 5,846 |
| Return on assets (ROA) | 0.2170% | 5,979 |
| Pretax return on assets | 0.3408% | 5,772 |
| Return on Equity (ROE) | 1.9686% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.9686% | 5,020 |
| Net charge-offs to loans | 0.1184% | 3,183 |
| Credit loss provision to net charge-offs | 740.9091% | 406 |
| Earnings coverage of net charge-offs (x) | 11.2273% | 2,070 |
| Efficiency ratio | 71.4120% | 3,576 |
| Assets per employee ($millions) | 4.0475% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 5,790 |
| Loan loss allowance to noncurrent loans | 194.1953% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 3,882 |
| Noncurrent loans to loans | 0.5186% | 4,973 |
| Net loans and leases to total assets | 74.4791% | 1,177 |
| Net loans and leases to deposits | 84.0056% | 1,805 |
| Net loans and leases to core deposits | 85.1716% | 2,415 |
| Total domestic deposits to total assets | 88.6597% | 1,801 |
| Equity capital to assets | 11.2302% | 2,538 |
| Core capital (leverage) ratio | 11.2302% | 2,147 |
| Tier 1 risk-based capital ratio | 21.6234% | 1,361 |
| Total risk-based capital ratio | 22.8325% | 1,341 |
| Memoranda: | ||
| Average total assets | $98,602,000 | 4,851 |
| Average earning assets | $94,526,330 | 4,744 |
| Average equity | $10,870,670 | 4,753 |
| Average total loans | $74,306,670 | 4,161 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,394 |
| Cost of funding earning assets | 0.7867% | 1,604 |
| Net interest margin | 3.3909% | 4,151 |
| Noninterest income to average assets | 0.3020% | 5,284 |
| Noninterest expense to average assets | 2.3879% | 5,156 |
| Loan and lease loss provision to assets | 0.5436% | 488 |
| Net operating income to assets | 0.3946% | 5,150 |
| Return on assets (ROA) | 0.3946% | 5,296 |
| Pretax return on assets | 0.6161% | 4,891 |
| Return on Equity (ROE) | 3.6124% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.6124% | 4,074 |
| Net charge-offs to loans | 0.1281% | 2,642 |
| Credit loss provision to net charge-offs | 562.5000% | 478 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,634 |
| Efficiency ratio | 67.3099% | 4,441 |
| Assets per employee ($millions) | 4.0920% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 6,518 |
| Loan loss allowance to noncurrent loans | 119.1983% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3064% | 3,352 |
| Noncurrent loans to loans | 0.6376% | 4,850 |
| Net loans and leases to total assets | 75.1283% | 944 |
| Net loans and leases to deposits | 84.5387% | 1,525 |
| Net loans and leases to core deposits | 85.6944% | 2,136 |
| Total domestic deposits to total assets | 88.8685% | 1,756 |
| Equity capital to assets | 11.0999% | 2,848 |
| Core capital (leverage) ratio | 11.0999% | 2,179 |
| Tier 1 risk-based capital ratio | 21.1715% | 1,497 |
| Total risk-based capital ratio | 22.2688% | 1,504 |
| Memoranda: | ||
| Average total assets | $99,333,000 | 4,881 |
| Average earning assets | $95,078,500 | 4,766 |
| Average equity | $10,851,500 | 4,798 |
| Average total loans | $74,917,500 | 4,168 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 3,404 |
| Cost of funding earning assets | 0.9957% | 1,382 |
| Net interest margin | 3.5010% | 4,498 |
| Noninterest income to average assets | 0.2485% | 5,681 |
| Noninterest expense to average assets | 2.3812% | 5,467 |
| Loan and lease loss provision to assets | 0.0923% | 4,526 |
| Net operating income to assets | 0.7494% | 3,516 |
| Return on assets (ROA) | 0.7494% | 3,759 |
| Pretax return on assets | 1.1054% | 3,139 |
| Return on Equity (ROE) | 7.0938% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.0938% | 1,525 |
| Net charge-offs to loans | 0.5079% | 2,213 |
| Credit loss provision to net charge-offs | 23.2737% | 5,238 |
| Earnings coverage of net charge-offs (x) | 3.0205% | 3,920 |
| Efficiency ratio | 66.5344% | 4,404 |
| Assets per employee ($millions) | 4.1858% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6014% | 6,755 |
| Loan loss allowance to noncurrent loans | 40.2126% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 2,858 |
| Noncurrent loans to loans | 1.4956% | 3,360 |
| Net loans and leases to total assets | 74.6919% | 1,095 |
| Net loans and leases to deposits | 83.9579% | 1,759 |
| Net loans and leases to core deposits | 86.6473% | 2,239 |
| Total domestic deposits to total assets | 88.9635% | 1,586 |
| Equity capital to assets | 10.7528% | 3,219 |
| Core capital (leverage) ratio | 10.7528% | 2,490 |
| Tier 1 risk-based capital ratio | 20.7983% | 1,505 |
| Total risk-based capital ratio | 21.6724% | 1,549 |
| Memoranda: | ||
| Average total assets | $98,607,200 | 4,871 |
| Average earning assets | $93,802,800 | 4,759 |
| Average equity | $10,417,600 | 4,887 |
| Average total loans | $76,985,800 | 4,122 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 3,258 |
| Cost of funding earning assets | 1.0451% | 1,304 |
| Net interest margin | 3.5427% | 4,478 |
| Noninterest income to average assets | 0.2269% | 5,932 |
| Noninterest expense to average assets | 2.3597% | 5,516 |
| Loan and lease loss provision to assets | 0.0924% | 4,440 |
| Net operating income to assets | 0.7431% | 3,723 |
| Return on assets (ROA) | 0.7431% | 3,971 |
| Pretax return on assets | 1.1412% | 3,190 |
| Return on Equity (ROE) | 7.0660% | 3,769 |
| Retained earnings to average equity (ytd only) | 7.0660% | 2,087 |
| Net charge-offs to loans | 0.4619% | 2,254 |
| Credit loss provision to net charge-offs | 25.3731% | 4,877 |
| Earnings coverage of net charge-offs (x) | 3.3881% | 3,665 |
| Efficiency ratio | 65.6711% | 4,511 |
| Assets per employee ($millions) | 4.0876% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 6,705 |
| Loan loss allowance to noncurrent loans | 58.1152% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.5749% | 3,238 |
| Noncurrent loans to loans | 1.2573% | 3,953 |
| Net loans and leases to total assets | 76.8611% | 862 |
| Net loans and leases to deposits | 86.5090% | 1,545 |
| Net loans and leases to core deposits | 90.5350% | 1,922 |
| Total domestic deposits to total assets | 88.8474% | 1,513 |
| Equity capital to assets | 10.8152% | 3,482 |
| Core capital (leverage) ratio | 10.8152% | 2,580 |
| Tier 1 risk-based capital ratio | 20.5282% | 1,631 |
| Total risk-based capital ratio | 21.6020% | 1,639 |
| Memoranda: | ||
| Average total assets | $98,144,500 | 4,927 |
| Average earning assets | $93,261,250 | 4,821 |
| Average equity | $10,321,500 | 4,956 |
| Average total loans | $77,360,250 | 4,151 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 3,130 |
| Cost of funding earning assets | 1.0923% | 1,246 |
| Net interest margin | 3.5607% | 4,413 |
| Noninterest income to average assets | 0.1752% | 6,302 |
| Noninterest expense to average assets | 2.3044% | 5,722 |
| Loan and lease loss provision to assets | 0.2567% | 2,524 |
| Net operating income to assets | 0.6418% | 4,154 |
| Return on assets (ROA) | 0.6418% | 4,406 |
| Pretax return on assets | 0.9882% | 3,750 |
| Return on Equity (ROE) | 6.1612% | 4,237 |
| Retained earnings to average equity (ytd only) | 6.1612% | 2,598 |
| Net charge-offs to loans | 0.6167% | 1,782 |
| Credit loss provision to net charge-offs | 52.5000% | 3,984 |
| Earnings coverage of net charge-offs (x) | 2.5458% | 3,738 |
| Efficiency ratio | 64.9254% | 4,731 |
| Assets per employee ($millions) | 4.0946% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 6,606 |
| Loan loss allowance to noncurrent loans | 48.8923% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 2,781 |
| Noncurrent loans to loans | 1.7008% | 3,343 |
| Net loans and leases to total assets | 77.6648% | 765 |
| Net loans and leases to deposits | 87.0530% | 1,467 |
| Net loans and leases to core deposits | 89.8953% | 2,000 |
| Total domestic deposits to total assets | 89.2155% | 1,379 |
| Equity capital to assets | 10.5616% | 3,611 |
| Core capital (leverage) ratio | 10.5616% | 2,745 |
| Tier 1 risk-based capital ratio | 19.7447% | 1,774 |
| Total risk-based capital ratio | 20.9622% | 1,748 |
| Memoranda: | ||
| Average total assets | $98,158,330 | 4,951 |
| Average earning assets | $93,014,330 | 4,848 |
| Average equity | $10,225,330 | 4,978 |
| Average total loans | $77,827,670 | 4,158 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 2,789 |
| Cost of funding earning assets | 1.1337% | 1,244 |
| Net interest margin | 3.6304% | 4,124 |
| Noninterest income to average assets | 0.1264% | 6,619 |
| Noninterest expense to average assets | 2.2059% | 6,032 |
| Loan and lease loss provision to assets | 0.2732% | 2,276 |
| Net operating income to assets | 0.6972% | 3,895 |
| Return on assets (ROA) | 0.6972% | 4,114 |
| Pretax return on assets | 1.0683% | 3,445 |
| Return on Equity (ROE) | 6.7399% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.7399% | 2,556 |
| Net charge-offs to loans | 0.5622% | 1,679 |
| Credit loss provision to net charge-offs | 60.9091% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.9909% | 2,993 |
| Efficiency ratio | 62.1839% | 5,244 |
| Assets per employee ($millions) | 4.0719% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,506 |
| Loan loss allowance to noncurrent loans | 84.9462% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 3,539 |
| Noncurrent loans to loans | 1.0752% | 4,549 |
| Net loans and leases to total assets | 78.9276% | 493 |
| Net loans and leases to deposits | 88.3235% | 1,128 |
| Net loans and leases to core deposits | 91.5166% | 1,701 |
| Total domestic deposits to total assets | 89.3620% | 1,447 |
| Equity capital to assets | 10.4722% | 3,522 |
| Core capital (leverage) ratio | 10.4722% | 2,780 |
| Tier 1 risk-based capital ratio | 19.4570% | 1,855 |
| Total risk-based capital ratio | 20.7080% | 1,820 |
| Memoranda: | ||
| Average total assets | $98,102,000 | 4,980 |
| Average earning assets | $92,441,000 | 4,893 |
| Average equity | $10,148,500 | 5,004 |
| Average total loans | $78,260,500 | 4,168 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 3,423 |
| Cost of funding earning assets | 1.3964% | 1,053 |
| Net interest margin | 3.4899% | 5,184 |
| Noninterest income to average assets | 0.0906% | 6,680 |
| Noninterest expense to average assets | 2.3356% | 5,958 |
| Loan and lease loss provision to assets | 0.3431% | 2,948 |
| Net operating income to assets | 0.4745% | 4,526 |
| Return on assets (ROA) | 0.4745% | 4,732 |
| Pretax return on assets | 0.6893% | 4,362 |
| Return on Equity (ROE) | 4.7483% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.7483% | 2,823 |
| Net charge-offs to loans | 0.1653% | 4,827 |
| Credit loss provision to net charge-offs | 257.2519% | 937 |
| Earnings coverage of net charge-offs (x) | 7.7405% | 2,275 |
| Efficiency ratio | 69.3470% | 4,085 |
| Assets per employee ($millions) | 4.1033% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,367 |
| Loan loss allowance to noncurrent loans | 47.9644% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.9537% | 3,034 |
| Noncurrent loans to loans | 1.9980% | 3,207 |
| Net loans and leases to total assets | 79.1275% | 590 |
| Net loans and leases to deposits | 88.3712% | 1,331 |
| Net loans and leases to core deposits | 91.5321% | 1,936 |
| Total domestic deposits to total assets | 89.5399% | 1,244 |
| Equity capital to assets | 10.2184% | 3,885 |
| Core capital (leverage) ratio | 10.2184% | 3,068 |
| Tier 1 risk-based capital ratio | 19.3263% | 1,806 |
| Total risk-based capital ratio | 20.5765% | 1,776 |
| Memoranda: | ||
| Average total assets | $98,217,800 | 4,942 |
| Average earning assets | $92,237,400 | 4,849 |
| Average equity | $9,814,000 | 5,064 |
| Average total loans | $79,271,200 | 4,162 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 3,573 |
| Cost of funding earning assets | 1.4418% | 1,054 |
| Net interest margin | 3.4556% | 5,371 |
| Noninterest income to average assets | 0.0666% | 6,888 |
| Noninterest expense to average assets | 2.4546% | 5,610 |
| Loan and lease loss provision to assets | 0.2608% | 3,420 |
| Net operating income to assets | 0.3871% | 5,052 |
| Return on assets (ROA) | 0.3871% | 5,237 |
| Pretax return on assets | 0.6004% | 4,813 |
| Return on Equity (ROE) | 3.8966% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.8966% | 3,949 |
| Net charge-offs to loans | 0.1343% | 4,714 |
| Credit loss provision to net charge-offs | 240.0000% | 1,190 |
| Earnings coverage of net charge-offs (x) | 7.9253% | 2,277 |
| Efficiency ratio | 74.0270% | 3,177 |
| Assets per employee ($millions) | 4.1085% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 6,758 |
| Loan loss allowance to noncurrent loans | 45.2986% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 3,419 |
| Noncurrent loans to loans | 1.8323% | 3,592 |
| Net loans and leases to total assets | 79.9726% | 519 |
| Net loans and leases to deposits | 89.0567% | 1,314 |
| Net loans and leases to core deposits | 92.2142% | 1,977 |
| Total domestic deposits to total assets | 89.7997% | 979 |
| Equity capital to assets | 10.0218% | 4,312 |
| Core capital (leverage) ratio | 10.0218% | 3,413 |
| Tier 1 risk-based capital ratio | 18.9325% | 1,959 |
| Total risk-based capital ratio | 20.1299% | 1,939 |
| Memoranda: | ||
| Average total assets | $98,152,500 | 4,977 |
| Average earning assets | $92,292,000 | 4,890 |
| Average equity | $9,751,750 | 5,108 |
| Average total loans | $79,419,500 | 4,191 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 3,420 |
| Cost of funding earning assets | 1.4652% | 1,140 |
| Net interest margin | 3.4795% | 5,252 |
| Noninterest income to average assets | 0.0796% | 6,928 |
| Noninterest expense to average assets | 2.4612% | 5,661 |
| Loan and lease loss provision to assets | 0.2694% | 3,237 |
| Net operating income to assets | 0.4020% | 4,932 |
| Return on assets (ROA) | 0.4020% | 5,092 |
| Pretax return on assets | 0.6204% | 4,673 |
| Return on Equity (ROE) | 4.0584% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.0584% | 3,620 |
| Net charge-offs to loans | 0.1940% | 3,990 |
| Credit loss provision to net charge-offs | 171.4286% | 1,762 |
| Earnings coverage of net charge-offs (x) | 5.6623% | 2,562 |
| Efficiency ratio | 73.4470% | 3,473 |
| Assets per employee ($millions) | 3.9108% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 6,943 |
| Loan loss allowance to noncurrent loans | 69.5502% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 4,344 |
| Noncurrent loans to loans | 1.0905% | 4,847 |
| Net loans and leases to total assets | 80.7029% | 474 |
| Net loans and leases to deposits | 89.8106% | 1,300 |
| Net loans and leases to core deposits | 93.0099% | 2,016 |
| Total domestic deposits to total assets | 89.8590% | 1,040 |
| Equity capital to assets | 10.0173% | 4,124 |
| Core capital (leverage) ratio | 10.0173% | 3,243 |
| Tier 1 risk-based capital ratio | 18.8448% | 1,894 |
| Total risk-based capital ratio | 20.0050% | 1,888 |
| Memoranda: | ||
| Average total assets | $98,001,670 | 5,025 |
| Average earning assets | $92,139,330 | 4,930 |
| Average equity | $9,708,330 | 5,118 |
| Average total loans | $79,387,000 | 4,239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 3,146 |
| Cost of funding earning assets | 1.4787% | 1,261 |
| Net interest margin | 3.5124% | 4,951 |
| Noninterest income to average assets | 0.1508% | 6,647 |
| Noninterest expense to average assets | 2.3441% | 6,069 |
| Loan and lease loss provision to assets | 0.2446% | 3,219 |
| Net operating income to assets | 0.5585% | 4,244 |
| Return on assets (ROA) | 0.5585% | 4,323 |
| Pretax return on assets | 0.8643% | 3,647 |
| Return on Equity (ROE) | 5.6696% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.6696% | 2,815 |
| Net charge-offs to loans | 0.3278% | 2,743 |
| Credit loss provision to net charge-offs | 92.3077% | 2,897 |
| Earnings coverage of net charge-offs (x) | 4.1846% | 2,546 |
| Efficiency ratio | 67.8867% | 4,676 |
| Assets per employee ($millions) | 3.9259% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6864% | 7,092 |
| Loan loss allowance to noncurrent loans | 90.0498% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 4,778 |
| Noncurrent loans to loans | 0.7623% | 5,504 |
| Net loans and leases to total assets | 80.0434% | 507 |
| Net loans and leases to deposits | 89.0553% | 1,344 |
| Net loans and leases to core deposits | 92.2771% | 2,095 |
| Total domestic deposits to total assets | 89.8806% | 1,224 |
| Equity capital to assets | 9.9177% | 3,878 |
| Core capital (leverage) ratio | 9.9177% | 3,248 |
| Tier 1 risk-based capital ratio | 18.4318% | 1,979 |
| Total risk-based capital ratio | 19.4600% | 2,012 |
| Memoranda: | ||
| Average total assets | $98,117,000 | 5,050 |
| Average earning assets | $92,244,000 | 4,963 |
| Average equity | $9,665,500 | 5,128 |
| Average total loans | $79,327,000 | 4,278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 3,583 |
| Cost of funding earning assets | 1.7262% | 1,478 |
| Net interest margin | 3.4777% | 5,330 |
| Noninterest income to average assets | 0.1166% | 6,824 |
| Noninterest expense to average assets | 2.2370% | 6,519 |
| Loan and lease loss provision to assets | 0.3405% | 4,106 |
| Net operating income to assets | 0.5407% | 3,922 |
| Return on assets (ROA) | 0.5407% | 4,073 |
| Pretax return on assets | 0.8069% | 3,604 |
| Return on Equity (ROE) | 5.6366% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.6366% | 2,026 |
| Net charge-offs to loans | 0.2815% | 4,611 |
| Credit loss provision to net charge-offs | 146.0177% | 2,524 |
| Earnings coverage of net charge-offs (x) | 4.9204% | 2,766 |
| Efficiency ratio | 66.0976% | 4,953 |
| Assets per employee ($millions) | 3.9234% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 7,148 |
| Loan loss allowance to noncurrent loans | 54.9197% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 4,291 |
| Noncurrent loans to loans | 1.2520% | 4,628 |
| Net loans and leases to total assets | 80.5446% | 591 |
| Net loans and leases to deposits | 89.4185% | 1,596 |
| Net loans and leases to core deposits | 93.1683% | 2,361 |
| Total domestic deposits to total assets | 90.0761% | 1,049 |
| Equity capital to assets | 9.7843% | 4,018 |
| Core capital (leverage) ratio | 9.7843% | 3,336 |
| Tier 1 risk-based capital ratio | 18.4062% | 1,875 |
| Total risk-based capital ratio | 19.4553% | 1,900 |
| Memoranda: | ||
| Average total assets | $96,914,400 | 5,078 |
| Average earning assets | $91,065,400 | 4,982 |
| Average equity | $9,296,400 | 5,327 |
| Average total loans | $80,271,200 | 4,339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 3,650 |
| Cost of funding earning assets | 1.7731% | 1,535 |
| Net interest margin | 3.4640% | 5,437 |
| Noninterest income to average assets | 0.1256% | 6,925 |
| Noninterest expense to average assets | 2.2217% | 6,546 |
| Loan and lease loss provision to assets | 0.6596% | 2,317 |
| Net operating income to assets | 0.3188% | 5,091 |
| Return on assets (ROA) | 0.3188% | 5,260 |
| Pretax return on assets | 0.5009% | 4,921 |
| Return on Equity (ROE) | 3.3400% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.3400% | 4,098 |
| Net charge-offs to loans | 0.3315% | 4,002 |
| Credit loss provision to net charge-offs | 239.0000% | 1,411 |
| Earnings coverage of net charge-offs (x) | 4.2050% | 3,153 |
| Efficiency ratio | 65.6875% | 4,928 |
| Assets per employee ($millions) | 3.8862% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 6,755 |
| Loan loss allowance to noncurrent loans | 66.4516% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.8754% | 3,642 |
| Noncurrent loans to loans | 1.3502% | 4,604 |
| Net loans and leases to total assets | 81.9730% | 498 |
| Net loans and leases to deposits | 90.7144% | 1,619 |
| Net loans and leases to core deposits | 95.0937% | 2,374 |
| Total domestic deposits to total assets | 90.3638% | 692 |
| Equity capital to assets | 9.5755% | 4,732 |
| Core capital (leverage) ratio | 9.5755% | 3,800 |
| Tier 1 risk-based capital ratio | 17.8242% | 2,068 |
| Total risk-based capital ratio | 19.0734% | 2,039 |
| Memoranda: | ||
| Average total assets | $96,621,500 | 5,146 |
| Average earning assets | $90,836,500 | 5,043 |
| Average equity | $9,221,250 | 5,421 |
| Average total loans | $80,451,500 | 4,403 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 3,766 |
| Cost of funding earning assets | 1.7963% | 1,656 |
| Net interest margin | 3.4426% | 5,472 |
| Noninterest income to average assets | 0.2406% | 6,183 |
| Noninterest expense to average assets | 2.1277% | 6,825 |
| Loan and lease loss provision to assets | 0.6180% | 2,313 |
| Net operating income to assets | 0.4728% | 4,449 |
| Return on assets (ROA) | 0.4728% | 4,607 |
| Pretax return on assets | 0.7341% | 4,128 |
| Return on Equity (ROE) | 4.9598% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.9598% | 2,926 |
| Net charge-offs to loans | 0.4150% | 3,330 |
| Credit loss provision to net charge-offs | 178.4431% | 2,194 |
| Earnings coverage of net charge-offs (x) | 3.9042% | 3,130 |
| Efficiency ratio | 61.1442% | 5,828 |
| Assets per employee ($millions) | 3.8891% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 7,227 |
| Loan loss allowance to noncurrent loans | 39.1661% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.3306% | 3,100 |
| Noncurrent loans to loans | 1.8115% | 3,987 |
| Net loans and leases to total assets | 82.4732% | 489 |
| Net loans and leases to deposits | 91.2346% | 1,661 |
| Net loans and leases to core deposits | 95.3245% | 2,534 |
| Total domestic deposits to total assets | 90.3968% | 722 |
| Equity capital to assets | 9.5651% | 4,609 |
| Core capital (leverage) ratio | 9.5651% | 3,723 |
| Tier 1 risk-based capital ratio | 17.6390% | 2,059 |
| Total risk-based capital ratio | 18.7258% | 2,071 |
| Memoranda: | ||
| Average total assets | $96,444,000 | 5,183 |
| Average earning assets | $90,744,330 | 5,069 |
| Average equity | $9,194,000 | 5,446 |
| Average total loans | $80,481,670 | 4,436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2630% | 3,717 |
| Cost of funding earning assets | 1.8043% | 1,853 |
| Net interest margin | 3.4587% | 5,340 |
| Noninterest income to average assets | 0.0958% | 7,226 |
| Noninterest expense to average assets | 2.0989% | 6,944 |
| Loan and lease loss provision to assets | 0.3748% | 3,121 |
| Net operating income to assets | 0.5747% | 4,010 |
| Return on assets (ROA) | 0.5747% | 4,152 |
| Pretax return on assets | 0.8870% | 3,514 |
| Return on Equity (ROE) | 6.0387% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.0387% | 2,606 |
| Net charge-offs to loans | 0.2240% | 3,587 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 6.7333% | 2,175 |
| Efficiency ratio | 62.4535% | 5,744 |
| Assets per employee ($millions) | 4.1789% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6093% | 7,485 |
| Loan loss allowance to noncurrent loans | 57.5472% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 3,737 |
| Noncurrent loans to loans | 1.0588% | 5,225 |
| Net loans and leases to total assets | 82.8227% | 488 |
| Net loans and leases to deposits | 91.6791% | 1,659 |
| Net loans and leases to core deposits | 93.5693% | 2,894 |
| Total domestic deposits to total assets | 90.3397% | 811 |
| Equity capital to assets | 9.5823% | 4,403 |
| Core capital (leverage) ratio | 9.5823% | 3,665 |
| Tier 1 risk-based capital ratio | 17.4644% | 2,087 |
| Total risk-based capital ratio | 18.3897% | 2,177 |
| Memoranda: | ||
| Average total assets | $96,052,000 | 5,255 |
| Average earning assets | $90,671,000 | 5,147 |
| Average equity | $9,141,000 | 5,506 |
| Average total loans | $80,342,500 | 4,494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 3,121 |
| Cost of funding earning assets | 2.2223% | 1,935 |
| Net interest margin | 3.4729% | 5,075 |
| Noninterest income to average assets | 0.0965% | 7,288 |
| Noninterest expense to average assets | 2.4394% | 6,339 |
| Loan and lease loss provision to assets | 0.2929% | 5,083 |
| Net operating income to assets | 0.4464% | 3,942 |
| Return on assets (ROA) | 0.4464% | 4,064 |
| Pretax return on assets | 0.6570% | 3,719 |
| Return on Equity (ROE) | 4.5942% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.5942% | 2,039 |
| Net charge-offs to loans | 0.3612% | 4,423 |
| Credit loss provision to net charge-offs | 93.0314% | 5,894 |
| Earnings coverage of net charge-offs (x) | 3.0174% | 3,570 |
| Efficiency ratio | 71.9741% | 4,264 |
| Assets per employee ($millions) | 4.1734% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5522% | 7,613 |
| Loan loss allowance to noncurrent loans | 52.2300% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8710% | 3,566 |
| Noncurrent loans to loans | 1.0572% | 5,208 |
| Net loans and leases to total assets | 83.4960% | 489 |
| Net loans and leases to deposits | 92.3267% | 1,843 |
| Net loans and leases to core deposits | 110.5842% | 2,832 |
| Total domestic deposits to total assets | 90.4354% | 767 |
| Equity capital to assets | 9.4511% | 4,486 |
| Core capital (leverage) ratio | 9.4511% | 3,781 |
| Tier 1 risk-based capital ratio | 17.1786% | 2,105 |
| Total risk-based capital ratio | 18.0212% | 2,186 |
| Memoranda: | ||
| Average total assets | $91,168,600 | 5,358 |
| Average earning assets | $86,441,800 | 5,244 |
| Average equity | $8,859,000 | 5,649 |
| Average total loans | $79,461,200 | 4,532 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 3,166 |
| Cost of funding earning assets | 2.3163% | 1,922 |
| Net interest margin | 3.4184% | 5,183 |
| Noninterest income to average assets | 0.0800% | 7,502 |
| Noninterest expense to average assets | 2.4646% | 6,199 |
| Loan and lease loss provision to assets | 0.2223% | 5,196 |
| Net operating income to assets | 0.4194% | 4,321 |
| Return on assets (ROA) | 0.4194% | 4,423 |
| Pretax return on assets | 0.6432% | 4,047 |
| Return on Equity (ROE) | 4.2849% | 4,256 |
| Retained earnings to average equity (ytd only) | 4.2849% | 2,880 |
| Net charge-offs to loans | 0.3924% | 3,697 |
| Credit loss provision to net charge-offs | 64.3777% | 6,095 |
| Earnings coverage of net charge-offs (x) | 2.5064% | 3,973 |
| Efficiency ratio | 74.0098% | 3,861 |
| Assets per employee ($millions) | 3.9489% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4711% | 7,744 |
| Loan loss allowance to noncurrent loans | 26.2578% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 2.5643% | 2,708 |
| Noncurrent loans to loans | 1.7941% | 3,926 |
| Net loans and leases to total assets | 88.6264% | 168 |
| Net loans and leases to deposits | 98.4082% | 1,277 |
| Net loans and leases to core deposits | 117.8053% | 2,436 |
| Total domestic deposits to total assets | 90.0599% | 743 |
| Equity capital to assets | 9.8531% | 4,280 |
| Core capital (leverage) ratio | 9.8531% | 3,452 |
| Tier 1 risk-based capital ratio | 17.4152% | 2,143 |
| Total risk-based capital ratio | 18.1567% | 2,253 |
| Memoranda: | ||
| Average total assets | $89,963,500 | 5,428 |
| Average earning assets | $85,535,500 | 5,316 |
| Average equity | $8,805,750 | 5,718 |
| Average total loans | $79,178,500 | 4,573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7309% | 3,386 |
| Cost of funding earning assets | 2.3974% | 1,975 |
| Net interest margin | 3.3334% | 5,424 |
| Noninterest income to average assets | 0.1204% | 7,385 |
| Noninterest expense to average assets | 2.4889% | 6,154 |
| Loan and lease loss provision to assets | 0.1338% | 5,748 |
| Net operating income to assets | 0.4371% | 4,348 |
| Return on assets (ROA) | 0.4371% | 4,461 |
| Pretax return on assets | 0.6668% | 4,111 |
| Return on Equity (ROE) | 4.4759% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.4759% | 2,805 |
| Net charge-offs to loans | 0.3918% | 3,241 |
| Credit loss provision to net charge-offs | 38.9610% | 5,918 |
| Earnings coverage of net charge-offs (x) | 2.3312% | 3,899 |
| Efficiency ratio | 75.6610% | 3,750 |
| Assets per employee ($millions) | 3.8991% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4646% | 7,826 |
| Loan loss allowance to noncurrent loans | 24.9158% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 2.6327% | 2,436 |
| Noncurrent loans to loans | 1.8645% | 3,708 |
| Net loans and leases to total assets | 88.3965% | 218 |
| Net loans and leases to deposits | 98.1430% | 1,501 |
| Net loans and leases to core deposits | 117.7465% | 2,563 |
| Total domestic deposits to total assets | 90.0691% | 802 |
| Equity capital to assets | 9.8829% | 4,101 |
| Core capital (leverage) ratio | 9.8829% | 3,414 |
| Tier 1 risk-based capital ratio | 17.6491% | 2,101 |
| Total risk-based capital ratio | 18.3858% | 2,201 |
| Memoranda: | ||
| Average total assets | $89,676,670 | 5,473 |
| Average earning assets | $85,257,330 | 5,369 |
| Average equity | $8,758,000 | 5,761 |
| Average total loans | $78,613,000 | 4,631 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7557% | 3,500 |
| Cost of funding earning assets | 2.4768% | 2,004 |
| Net interest margin | 3.2789% | 5,578 |
| Noninterest income to average assets | 0.0580% | 7,787 |
| Noninterest expense to average assets | 2.5291% | 5,733 |
| Loan and lease loss provision to assets | 0.1338% | 5,248 |
| Net operating income to assets | 0.3435% | 5,096 |
| Return on assets (ROA) | 0.3435% | 5,283 |
| Pretax return on assets | 0.5130% | 5,048 |
| Return on Equity (ROE) | 3.5380% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.5380% | 3,926 |
| Net charge-offs to loans | 0.6351% | 1,908 |
| Credit loss provision to net charge-offs | 24.1935% | 5,023 |
| Earnings coverage of net charge-offs (x) | 1.1694% | 4,168 |
| Efficiency ratio | 79.6348% | 2,877 |
| Assets per employee ($millions) | 3.9034% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 7,849 |
| Loan loss allowance to noncurrent loans | 41.5454% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8802% | 3,093 |
| Noncurrent loans to loans | 1.1516% | 4,687 |
| Net loans and leases to total assets | 85.9576% | 455 |
| Net loans and leases to deposits | 95.2823% | 2,071 |
| Net loans and leases to core deposits | 115.5410% | 2,844 |
| Total domestic deposits to total assets | 90.2136% | 707 |
| Equity capital to assets | 9.7396% | 4,321 |
| Core capital (leverage) ratio | 9.7396% | 3,699 |
| Tier 1 risk-based capital ratio | 17.4751% | 2,193 |
| Total risk-based capital ratio | 18.2165% | 2,280 |
| Memoranda: | ||
| Average total assets | $89,675,000 | 5,498 |
| Average earning assets | $85,271,500 | 5,386 |
| Average equity | $8,705,500 | 5,809 |
| Average total loans | $78,097,500 | 4,682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1244% | 4,922 |
| Cost of funding earning assets | 3.0711% | 1,599 |
| Net interest margin | 3.0534% | 6,781 |
| Noninterest income to average assets | 0.3439% | 5,984 |
| Noninterest expense to average assets | 2.2503% | 6,834 |
| Loan and lease loss provision to assets | 0.2206% | 4,677 |
| Net operating income to assets | 0.5397% | 4,577 |
| Return on assets (ROA) | 0.5397% | 4,423 |
| Pretax return on assets | 0.7999% | 4,073 |
| Return on Equity (ROE) | 5.6840% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.6840% | 1,674 |
| Net charge-offs to loans | 0.0971% | 5,357 |
| Credit loss provision to net charge-offs | 260.0000% | 1,781 |
| Earnings coverage of net charge-offs (x) | 12.0267% | 2,302 |
| Efficiency ratio | 68.7997% | 4,578 |
| Assets per employee ($millions) | 3.8944% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 7,687 |
| Loan loss allowance to noncurrent loans | 34.5898% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 1.9381% | 2,534 |
| Noncurrent loans to loans | 1.7202% | 3,188 |
| Net loans and leases to total assets | 87.2873% | 441 |
| Net loans and leases to deposits | 96.7720% | 2,320 |
| Net loans and leases to core deposits | 117.9421% | 2,895 |
| Total domestic deposits to total assets | 90.1989% | 575 |
| Equity capital to assets | 9.6760% | 4,457 |
| Core capital (leverage) ratio | 9.6760% | 3,799 |
| Tier 1 risk-based capital ratio | 17.2918% | 2,234 |
| Total risk-based capital ratio | 18.2255% | 2,267 |
| Memoranda: | ||
| Average total assets | $88,388,600 | 5,406 |
| Average earning assets | $84,726,000 | 5,281 |
| Average equity | $8,392,000 | 5,949 |
| Average total loans | $77,237,400 | 4,610 |