Home > Buffalo Federal Bank > Performance and Condition Ratios
Buffalo Federal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 1,243 |
| Cost of funding earning assets | 1.6797% | 1,494 |
| Net interest margin | 3.7620% | 1,622 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 3.1017% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7906% | 2,900 |
| Return on assets (ROA) | 0.7906% | 2,876 |
| Pretax return on assets | 0.9793% | 2,724 |
| Return on Equity (ROE) | 11.5400% | 2,077 |
| Retained earnings to average equity (ytd only) | 11.1394% | 764 |
| Net charge-offs to loans | 0.0802% | 1,059 |
| Credit loss provision to net charge-offs | 17.6991% | 2,321 |
| Earnings coverage of net charge-offs (x) | 15.8850% | 2,029 |
| Efficiency ratio | 76.0027% | 1,245 |
| Assets per employee ($millions) | 5.6265% | 3,135 |
| Cash dividends to net income (ytd only)* | 3.4507% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 546 |
| Loan loss allowance to noncurrent loans | 216.2630% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 593 |
| Noncurrent loans to loans | 0.8274% | 930 |
| Net loans and leases to total assets | 71.7300% | 1,614 |
| Net loans and leases to deposits | 82.4960% | 1,909 |
| Net loans and leases to core deposits | 91.6446% | 1,931 |
| Total domestic deposits to total assets | 86.9500% | 1,700 |
| Equity capital to assets | 7.1892% | 3,861 |
| Core capital (leverage) ratio | 9.3260% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $183,287,400 | 3,099 |
| Average earning assets | $168,844,400 | 3,106 |
| Average equity | $12,559,000 | 3,483 |
| Average total loans | $140,963,200 | 2,761 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 1,218 |
| Cost of funding earning assets | 1.5754% | 1,419 |
| Net interest margin | 3.7693% | 1,656 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 3.1552% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7414% | 3,199 |
| Return on assets (ROA) | 0.7414% | 3,191 |
| Pretax return on assets | 0.9193% | 3,057 |
| Return on Equity (ROE) | 10.9600% | 2,382 |
| Retained earnings to average equity (ytd only) | 10.9618% | 1,162 |
| Net charge-offs to loans | 0.0821% | 904 |
| Credit loss provision to net charge-offs | 22.9885% | 1,999 |
| Earnings coverage of net charge-offs (x) | 14.3678% | 1,997 |
| Efficiency ratio | 77.4368% | 1,054 |
| Assets per employee ($millions) | 5.4144% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 602 |
| Loan loss allowance to noncurrent loans | 146.0116% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 573 |
| Noncurrent loans to loans | 1.2118% | 642 |
| Net loans and leases to total assets | 76.1800% | 1,099 |
| Net loans and leases to deposits | 87.2874% | 1,449 |
| Net loans and leases to core deposits | 97.0755% | 1,501 |
| Total domestic deposits to total assets | 87.2800% | 1,809 |
| Equity capital to assets | 6.5620% | 3,808 |
| Core capital (leverage) ratio | 9.3652% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $181,284,250 | 3,123 |
| Average earning assets | $166,890,000 | 3,130 |
| Average equity | $12,260,500 | 3,504 |
| Average total loans | $141,275,500 | 2,761 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 1,157 |
| Cost of funding earning assets | 1.4447% | 1,355 |
| Net interest margin | 3.8019% | 1,621 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.1195% | 883 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7807% | 3,142 |
| Return on assets (ROA) | 0.7807% | 3,154 |
| Pretax return on assets | 0.9692% | 2,996 |
| Return on Equity (ROE) | 11.4300% | 2,316 |
| Retained earnings to average equity (ytd only) | 11.4280% | 1,091 |
| Net charge-offs to loans | -0.0014% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1918% | 1,158 |
| Assets per employee ($millions) | 5.1161% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 557 |
| Loan loss allowance to noncurrent loans | 229.4996% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 864 |
| Noncurrent loans to loans | 0.8001% | 953 |
| Net loans and leases to total assets | 75.8800% | 1,066 |
| Net loans and leases to deposits | 87.2551% | 1,406 |
| Net loans and leases to core deposits | 95.0272% | 1,521 |
| Total domestic deposits to total assets | 86.9600% | 1,941 |
| Equity capital to assets | 6.9053% | 3,846 |
| Core capital (leverage) ratio | 9.1694% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $180,348,667 | 3,136 |
| Average earning assets | $166,129,333 | 3,145 |
| Average equity | $12,320,667 | 3,507 |
| Average total loans | $140,778,000 | 2,762 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 1,155 |
| Cost of funding earning assets | 1.2675% | 1,304 |
| Net interest margin | 3.7707% | 1,750 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 3.2191% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6636% | 3,545 |
| Return on assets (ROA) | 0.6636% | 3,499 |
| Pretax return on assets | 0.8227% | 3,416 |
| Return on Equity (ROE) | 9.7700% | 2,857 |
| Retained earnings to average equity (ytd only) | 9.7674% | 1,750 |
| Net charge-offs to loans | -0.0029% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.6450% | 861 |
| Assets per employee ($millions) | 5.3729% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 591 |
| Loan loss allowance to noncurrent loans | 548.4144% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 1,841 |
| Noncurrent loans to loans | 0.3384% | 1,935 |
| Net loans and leases to total assets | 75.0900% | 1,069 |
| Net loans and leases to deposits | 85.8300% | 1,366 |
| Net loans and leases to core deposits | 92.7129% | 1,466 |
| Total domestic deposits to total assets | 87.4800% | 2,097 |
| Equity capital to assets | 6.8251% | 3,900 |
| Core capital (leverage) ratio | 9.2146% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $178,434,000 | 3,190 |
| Average earning assets | $164,107,500 | 3,205 |
| Average equity | $12,122,000 | 3,563 |
| Average total loans | $139,987,000 | 2,799 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 652 |
| Cost of funding earning assets | 0.4113% | 2,003 |
| Net interest margin | 4.1437% | 612 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 3.2588% | 669 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.9679% | 2,688 |
| Return on assets (ROA) | 0.9679% | 2,634 |
| Pretax return on assets | 1.2126% | 2,394 |
| Return on Equity (ROE) | 12.5700% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.5543% | 2,004 |
| Net charge-offs to loans | -0.0117% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.5423% | 1,615 |
| Assets per employee ($millions) | 4.9769% | 3,701 |
| Cash dividends to net income (ytd only)* | 39.8799% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 596 |
| Loan loss allowance to noncurrent loans | 491.0985% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,641 |
| Noncurrent loans to loans | 0.3766% | 1,796 |
| Net loans and leases to total assets | 79.0100% | 692 |
| Net loans and leases to deposits | 90.6511% | 1,002 |
| Net loans and leases to core deposits | 96.0518% | 1,204 |
| Total domestic deposits to total assets | 87.1500% | 2,346 |
| Equity capital to assets | 6.7604% | 3,783 |
| Core capital (leverage) ratio | 9.2561% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $172,028,200 | 3,256 |
| Average earning assets | $159,252,600 | 3,253 |
| Average equity | $13,250,800 | 3,552 |
| Average total loans | $127,728,400 | 2,852 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 604 |
| Cost of funding earning assets | 0.3049% | 2,112 |
| Net interest margin | 4.0790% | 535 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 3.2569% | 632 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.0100% | 2,450 |
| Return on assets (ROA) | 1.0100% | 2,415 |
| Pretax return on assets | 1.2681% | 2,145 |
| Return on Equity (ROE) | 12.7200% | 1,798 |
| Retained earnings to average equity (ytd only) | 12.7167% | 659 |
| Net charge-offs to loans | -0.0161% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.0971% | 1,750 |
| Assets per employee ($millions) | 4.6777% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 640 |
| Loan loss allowance to noncurrent loans | 510.0204% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 1,822 |
| Noncurrent loans to loans | 0.3664% | 1,926 |
| Net loans and leases to total assets | 75.6700% | 940 |
| Net loans and leases to deposits | 84.3893% | 1,273 |
| Net loans and leases to core deposits | 87.7738% | 1,426 |
| Total domestic deposits to total assets | 89.6700% | 1,801 |
| Equity capital to assets | 6.9496% | 3,542 |
| Core capital (leverage) ratio | 9.6941% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $171,487,750 | 3,286 |
| Average earning assets | $159,151,000 | 3,274 |
| Average equity | $13,619,500 | 3,552 |
| Average total loans | $124,606,750 | 2,884 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 614 |
| Cost of funding earning assets | 0.2890% | 1,812 |
| Net interest margin | 3.9262% | 583 |
| Noninterest income to average assets | 0.9219% | 803 |
| Noninterest expense to average assets | 3.1785% | 653 |
| Loan and lease loss provision to assets | 0.1252% | 778 |
| Net operating income to assets | 1.0143% | 2,106 |
| Return on assets (ROA) | 1.0143% | 2,076 |
| Pretax return on assets | 1.2740% | 1,832 |
| Return on Equity (ROE) | 12.2544% | 1,605 |
| Retained earnings to average equity (ytd only) | 12.2544% | 571 |
| Net charge-offs to loans | -0.0247% | 3,968 |
| Credit loss provision to net charge-offs | -713.3333% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4352% | 2,038 |
| Assets per employee ($millions) | 4.4714% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 616 |
| Loan loss allowance to noncurrent loans | 725.5193% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,302 |
| Noncurrent loans to loans | 0.2674% | 2,410 |
| Net loans and leases to total assets | 74.7100% | 839 |
| Net loans and leases to deposits | 84.7186% | 1,072 |
| Net loans and leases to core deposits | 87.3388% | 1,253 |
| Total domestic deposits to total assets | 88.1861% | 2,503 |
| Equity capital to assets | 8.0198% | 3,112 |
| Core capital (leverage) ratio | 9.7337% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,959,000 | 3,327 |
| Average earning assets | $159,188,000 | 3,320 |
| Average equity | $14,150,000 | 3,571 |
| Average total loans | $121,657,000 | 2,926 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 729 |
| Cost of funding earning assets | 0.3002% | 1,655 |
| Net interest margin | 3.7280% | 710 |
| Noninterest income to average assets | 0.9671% | 730 |
| Noninterest expense to average assets | 3.1591% | 642 |
| Loan and lease loss provision to assets | -0.0023% | 4,398 |
| Net operating income to assets | 1.0316% | 1,753 |
| Return on assets (ROA) | 1.0316% | 1,744 |
| Pretax return on assets | 1.2987% | 1,511 |
| Return on Equity (ROE) | 12.2815% | 1,233 |
| Retained earnings to average equity (ytd only) | 12.2815% | 563 |
| Net charge-offs to loans | -0.0569% | 4,303 |
| Credit loss provision to net charge-offs | 5.8824% | 1,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9044% | 2,114 |
| Assets per employee ($millions) | 4.5456% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 690 |
| Loan loss allowance to noncurrent loans | 1,016.9565% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,836 |
| Noncurrent loans to loans | 0.1906% | 2,864 |
| Net loans and leases to total assets | 70.3525% | 987 |
| Net loans and leases to deposits | 80.2587% | 1,130 |
| Net loans and leases to core deposits | 82.7139% | 1,314 |
| Total domestic deposits to total assets | 87.6571% | 2,685 |
| Equity capital to assets | 8.2980% | 3,322 |
| Core capital (leverage) ratio | 9.2714% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,718,000 | 3,315 |
| Average earning assets | $162,553,500 | 3,302 |
| Average equity | $14,591,000 | 3,596 |
| Average total loans | $119,462,500 | 2,949 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 684 |
| Cost of funding earning assets | 0.3580% | 1,872 |
| Net interest margin | 4.0669% | 629 |
| Noninterest income to average assets | 1.3033% | 631 |
| Noninterest expense to average assets | 3.3937% | 555 |
| Loan and lease loss provision to assets | 0.2816% | 298 |
| Net operating income to assets | 1.1339% | 2,164 |
| Return on assets (ROA) | 1.1339% | 2,214 |
| Pretax return on assets | 1.4256% | 1,961 |
| Return on Equity (ROE) | 12.0677% | 1,793 |
| Retained earnings to average equity (ytd only) | 7.6357% | 1,684 |
| Net charge-offs to loans | 0.0009% | 2,655 |
| Credit loss provision to net charge-offs | 44,900.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,722.0000% | 48 |
| Efficiency ratio | 66.5314% | 2,187 |
| Assets per employee ($millions) | 4.9792% | 3,753 |
| Cash dividends to net income (ytd only)* | 36.7257% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 643 |
| Loan loss allowance to noncurrent loans | 1,116.8269% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 3,114 |
| Noncurrent loans to loans | 0.1759% | 3,067 |
| Net loans and leases to total assets | 64.6806% | 1,624 |
| Net loans and leases to deposits | 74.0883% | 1,718 |
| Net loans and leases to core deposits | 78.7288% | 1,704 |
| Total domestic deposits to total assets | 87.3021% | 2,387 |
| Equity capital to assets | 8.4943% | 4,052 |
| Core capital (leverage) ratio | 9.4960% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,444,800 | 3,395 |
| Average earning assets | $148,884,600 | 3,388 |
| Average equity | $14,982,200 | 3,634 |
| Average total loans | $112,114,400 | 3,044 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 607 |
| Cost of funding earning assets | 0.3817% | 1,845 |
| Net interest margin | 4.1759% | 571 |
| Noninterest income to average assets | 1.4015% | 611 |
| Noninterest expense to average assets | 3.4848% | 468 |
| Loan and lease loss provision to assets | 0.2440% | 386 |
| Net operating income to assets | 1.2496% | 1,991 |
| Return on assets (ROA) | 1.2496% | 2,055 |
| Pretax return on assets | 1.5715% | 1,789 |
| Return on Equity (ROE) | 12.9387% | 1,712 |
| Retained earnings to average equity (ytd only) | 12.9387% | 652 |
| Net charge-offs to loans | 0.0012% | 2,393 |
| Credit loss provision to net charge-offs | 28,300.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 2,104.0000% | 67 |
| Efficiency ratio | 65.7441% | 2,133 |
| Assets per employee ($millions) | 4.4418% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 689 |
| Loan loss allowance to noncurrent loans | 509.9291% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 2,448 |
| Noncurrent loans to loans | 0.3834% | 2,410 |
| Net loans and leases to total assets | 67.6514% | 1,359 |
| Net loans and leases to deposits | 80.2144% | 1,270 |
| Net loans and leases to core deposits | 82.9115% | 1,501 |
| Total domestic deposits to total assets | 84.3382% | 3,354 |
| Equity capital to assets | 9.7108% | 3,179 |
| Core capital (leverage) ratio | 10.2352% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,493,500 | 3,479 |
| Average earning assets | $144,251,750 | 3,464 |
| Average equity | $14,921,250 | 3,692 |
| Average total loans | $110,577,250 | 3,108 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 660 |
| Cost of funding earning assets | 0.3945% | 1,937 |
| Net interest margin | 4.1693% | 614 |
| Noninterest income to average assets | 1.4487% | 576 |
| Noninterest expense to average assets | 3.4252% | 515 |
| Loan and lease loss provision to assets | 0.3641% | 203 |
| Net operating income to assets | 1.2326% | 2,074 |
| Return on assets (ROA) | 1.2326% | 2,140 |
| Pretax return on assets | 1.5495% | 1,874 |
| Return on Equity (ROE) | 12.7862% | 1,794 |
| Retained earnings to average equity (ytd only) | 12.7862% | 764 |
| Net charge-offs to loans | 0.0036% | 2,037 |
| Credit loss provision to net charge-offs | 13,900.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 730.5000% | 191 |
| Efficiency ratio | 64.1560% | 2,410 |
| Assets per employee ($millions) | 4.4815% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.1429% | 1,063 |
| Net loans and leases to deposits | 85.0319% | 985 |
| Net loans and leases to core deposits | 87.7610% | 1,284 |
| Total domestic deposits to total assets | 83.6661% | 3,529 |
| Equity capital to assets | 9.7257% | 3,114 |
| Core capital (leverage) ratio | 10.0994% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,689,667 | 3,505 |
| Average earning assets | $142,470,667 | 3,490 |
| Average equity | $14,719,000 | 3,713 |
| Average total loans | $110,658,000 | 3,118 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 662 |
| Cost of funding earning assets | 0.4098% | 2,011 |
| Net interest margin | 4.1893% | 615 |
| Noninterest income to average assets | 1.6971% | 495 |
| Noninterest expense to average assets | 3.4341% | 509 |
| Loan and lease loss provision to assets | 0.6162% | 91 |
| Net operating income to assets | 1.2376% | 2,016 |
| Return on assets (ROA) | 1.2376% | 2,101 |
| Pretax return on assets | 1.5564% | 1,839 |
| Return on Equity (ROE) | 12.8988% | 1,698 |
| Retained earnings to average equity (ytd only) | 12.8988% | 938 |
| Net charge-offs to loans | 0.0110% | 1,537 |
| Credit loss provision to net charge-offs | 7,733.3333% | 78 |
| Earnings coverage of net charge-offs (x) | 272.6667% | 321 |
| Efficiency ratio | 61.2506% | 2,872 |
| Assets per employee ($millions) | 4.4418% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 769 |
| Loan loss allowance to noncurrent loans | 3,969.8113% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,118 |
| Noncurrent loans to loans | 0.0471% | 4,051 |
| Net loans and leases to total assets | 71.0220% | 1,150 |
| Net loans and leases to deposits | 84.9076% | 1,058 |
| Net loans and leases to core deposits | 88.7222% | 1,316 |
| Total domestic deposits to total assets | 83.6463% | 3,533 |
| Equity capital to assets | 9.1874% | 3,502 |
| Core capital (leverage) ratio | 10.3015% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,608,500 | 3,521 |
| Average earning assets | $140,549,000 | 3,510 |
| Average equity | $14,451,000 | 3,747 |
| Average total loans | $109,117,000 | 3,143 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8063% | 733 |
| Cost of funding earning assets | 0.6767% | 1,839 |
| Net interest margin | 4.1296% | 741 |
| Noninterest income to average assets | 1.4511% | 570 |
| Noninterest expense to average assets | 3.7461% | 498 |
| Loan and lease loss provision to assets | 0.4219% | 705 |
| Net operating income to assets | 0.8766% | 2,804 |
| Return on assets (ROA) | 0.8796% | 2,924 |
| Pretax return on assets | 1.1014% | 2,689 |
| Return on Equity (ROE) | 8.4592% | 2,624 |
| Retained earnings to average equity (ytd only) | 7.3213% | 1,272 |
| Net charge-offs to loans | 0.1576% | 1,041 |
| Credit loss provision to net charge-offs | 380.5369% | 1,492 |
| Earnings coverage of net charge-offs (x) | 13.7047% | 2,263 |
| Efficiency ratio | 71.1419% | 1,787 |
| Assets per employee ($millions) | 4.0487% | 4,340 |
| Cash dividends to net income (ytd only)* | 13.4518% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 899 |
| Loan loss allowance to noncurrent loans | 3,289.4737% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 4,157 |
| Noncurrent loans to loans | 0.0539% | 4,076 |
| Net loans and leases to total assets | 71.2447% | 1,395 |
| Net loans and leases to deposits | 85.4730% | 1,296 |
| Net loans and leases to core deposits | 89.6032% | 1,559 |
| Total domestic deposits to total assets | 83.3535% | 3,311 |
| Equity capital to assets | 10.0299% | 3,105 |
| Core capital (leverage) ratio | 10.4828% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,380,400 | 3,571 |
| Average earning assets | $124,128,200 | 3,580 |
| Average equity | $13,973,000 | 3,762 |
| Average total loans | $94,565,600 | 3,326 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 804 |
| Cost of funding earning assets | 0.7367% | 1,819 |
| Net interest margin | 4.1125% | 877 |
| Noninterest income to average assets | 1.2478% | 698 |
| Noninterest expense to average assets | 3.7646% | 477 |
| Loan and lease loss provision to assets | 0.4873% | 616 |
| Net operating income to assets | 0.6315% | 3,692 |
| Return on assets (ROA) | 0.6315% | 3,776 |
| Pretax return on assets | 0.7866% | 3,682 |
| Return on Equity (ROE) | 6.0142% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.0142% | 2,102 |
| Net charge-offs to loans | 0.2179% | 704 |
| Credit loss provision to net charge-offs | 320.6667% | 1,697 |
| Earnings coverage of net charge-offs (x) | 8.3800% | 2,502 |
| Efficiency ratio | 74.7133% | 1,340 |
| Assets per employee ($millions) | 4.0597% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 829 |
| Loan loss allowance to noncurrent loans | 1,268.0851% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 3,933 |
| Noncurrent loans to loans | 0.1369% | 3,833 |
| Net loans and leases to total assets | 71.2145% | 1,783 |
| Net loans and leases to deposits | 86.6046% | 1,635 |
| Net loans and leases to core deposits | 90.7133% | 1,909 |
| Total domestic deposits to total assets | 82.2294% | 3,359 |
| Equity capital to assets | 9.9733% | 3,251 |
| Core capital (leverage) ratio | 10.4408% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,537,000 | 3,593 |
| Average earning assets | $121,252,000 | 3,602 |
| Average equity | $13,811,500 | 3,784 |
| Average total loans | $91,777,750 | 3,387 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 962 |
| Cost of funding earning assets | 0.7878% | 1,888 |
| Net interest margin | 4.1196% | 1,074 |
| Noninterest income to average assets | 1.0311% | 929 |
| Noninterest expense to average assets | 3.7619% | 528 |
| Loan and lease loss provision to assets | 0.5155% | 674 |
| Net operating income to assets | 0.4327% | 4,162 |
| Return on assets (ROA) | 0.4327% | 4,227 |
| Pretax return on assets | 0.5359% | 4,187 |
| Return on Equity (ROE) | 4.0463% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.0463% | 2,880 |
| Net charge-offs to loans | 0.3566% | 450 |
| Credit loss provision to net charge-offs | 210.1911% | 1,873 |
| Earnings coverage of net charge-offs (x) | 4.2866% | 2,609 |
| Efficiency ratio | 78.1564% | 1,043 |
| Assets per employee ($millions) | 3.9388% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 790 |
| Loan loss allowance to noncurrent loans | 1,079.4702% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 3,230 |
| Noncurrent loans to loans | 0.1588% | 3,821 |
| Net loans and leases to total assets | 67.7925% | 2,390 |
| Net loans and leases to deposits | 82.7795% | 2,113 |
| Net loans and leases to core deposits | 87.7021% | 2,278 |
| Total domestic deposits to total assets | 81.8953% | 3,398 |
| Equity capital to assets | 10.0842% | 3,123 |
| Core capital (leverage) ratio | 10.6652% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,019,667 | 3,619 |
| Average earning assets | $117,535,667 | 3,628 |
| Average equity | $13,691,667 | 3,806 |
| Average total loans | $88,045,000 | 3,457 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 1,157 |
| Cost of funding earning assets | 0.8341% | 2,200 |
| Net interest margin | 4.0818% | 1,172 |
| Noninterest income to average assets | 1.0431% | 782 |
| Noninterest expense to average assets | 3.8895% | 565 |
| Loan and lease loss provision to assets | 0.6564% | 404 |
| Net operating income to assets | 0.1955% | 4,536 |
| Return on assets (ROA) | 0.1982% | 4,546 |
| Pretax return on assets | 0.2372% | 4,527 |
| Return on Equity (ROE) | 1.7959% | 4,486 |
| Retained earnings to average equity (ytd only) | 1.7959% | 3,513 |
| Net charge-offs to loans | 0.7430% | 206 |
| Credit loss provision to net charge-offs | 128.6624% | 1,676 |
| Earnings coverage of net charge-offs (x) | 1.7452% | 2,346 |
| Efficiency ratio | 81.3732% | 1,012 |
| Assets per employee ($millions) | 3.6184% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 735 |
| Loan loss allowance to noncurrent loans | 509.1525% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 1,951 |
| Noncurrent loans to loans | 0.3501% | 3,233 |
| Net loans and leases to total assets | 67.2657% | 2,654 |
| Net loans and leases to deposits | 80.4149% | 2,636 |
| Net loans and leases to core deposits | 84.6070% | 2,796 |
| Total domestic deposits to total assets | 83.6483% | 2,906 |
| Equity capital to assets | 11.1471% | 2,730 |
| Core capital (leverage) ratio | 11.0157% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,100,000 | 3,661 |
| Average earning assets | $112,696,000 | 3,671 |
| Average equity | $13,586,500 | 3,825 |
| Average total loans | $84,523,500 | 3,508 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 1,342 |
| Cost of funding earning assets | 0.8587% | 2,387 |
| Net interest margin | 4.1925% | 1,334 |
| Noninterest income to average assets | 1.2091% | 643 |
| Noninterest expense to average assets | 3.8314% | 640 |
| Loan and lease loss provision to assets | 0.0347% | 3,316 |
| Net operating income to assets | 0.9597% | 2,983 |
| Return on assets (ROA) | 0.9597% | 3,066 |
| Pretax return on assets | 1.2010% | 2,842 |
| Return on Equity (ROE) | 9.1160% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.9769% | 1,399 |
| Net charge-offs to loans | 0.0082% | 3,384 |
| Credit loss provision to net charge-offs | 614.2857% | 503 |
| Earnings coverage of net charge-offs (x) | 218.7143% | 370 |
| Efficiency ratio | 75.6133% | 1,404 |
| Assets per employee ($millions) | 3.9733% | 3,931 |
| Cash dividends to net income (ytd only)* | 23.4651% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 764 |
| Loan loss allowance to noncurrent loans | 1,867.9487% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 2,394 |
| Noncurrent loans to loans | 0.0920% | 4,156 |
| Net loans and leases to total assets | 67.6552% | 2,734 |
| Net loans and leases to deposits | 80.7835% | 2,687 |
| Net loans and leases to core deposits | 84.9790% | 2,872 |
| Total domestic deposits to total assets | 83.7489% | 2,932 |
| Equity capital to assets | 10.9269% | 3,075 |
| Core capital (leverage) ratio | 10.9624% | 2,531 |
| Tier 1 risk-based capital ratio | 14.9511% | 2,798 |
| Total risk-based capital ratio | 16.2058% | 2,738 |
| Memoranda: | ||
| Average total assets | $123,896,200 | 3,643 |
| Average earning assets | $114,013,600 | 3,646 |
| Average equity | $13,043,000 | 3,884 |
| Average total loans | $85,094,800 | 3,501 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 1,465 |
| Cost of funding earning assets | 0.8561% | 2,434 |
| Net interest margin | 4.1735% | 1,438 |
| Noninterest income to average assets | 1.1530% | 685 |
| Noninterest expense to average assets | 3.7986% | 658 |
| Loan and lease loss provision to assets | 0.0473% | 2,950 |
| Net operating income to assets | 0.9252% | 3,253 |
| Return on assets (ROA) | 0.9252% | 3,325 |
| Pretax return on assets | 1.1573% | 3,113 |
| Return on Equity (ROE) | 8.8722% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.8722% | 1,084 |
| Net charge-offs to loans | 0.0110% | 2,974 |
| Credit loss provision to net charge-offs | 628.5714% | 520 |
| Earnings coverage of net charge-offs (x) | 160.1961% | 516 |
| Efficiency ratio | 75.9235% | 1,345 |
| Assets per employee ($millions) | 3.6527% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 815 |
| Loan loss allowance to noncurrent loans | 1,756.6265% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 4,380 |
| Noncurrent loans to loans | 0.0969% | 4,210 |
| Net loans and leases to total assets | 67.8041% | 2,813 |
| Net loans and leases to deposits | 80.8456% | 2,816 |
| Net loans and leases to core deposits | 84.9942% | 2,995 |
| Total domestic deposits to total assets | 83.8687% | 2,871 |
| Equity capital to assets | 10.9137% | 3,179 |
| Core capital (leverage) ratio | 10.9082% | 2,728 |
| Tier 1 risk-based capital ratio | 14.8101% | 2,946 |
| Total risk-based capital ratio | 16.0641% | 2,871 |
| Memoranda: | ||
| Average total assets | $124,077,000 | 3,677 |
| Average earning assets | $114,466,500 | 3,673 |
| Average equity | $12,939,000 | 3,932 |
| Average total loans | $85,171,000 | 3,537 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 1,457 |
| Cost of funding earning assets | 0.8596% | 2,356 |
| Net interest margin | 4.1514% | 1,489 |
| Noninterest income to average assets | 0.9384% | 987 |
| Noninterest expense to average assets | 3.7456% | 708 |
| Loan and lease loss provision to assets | 0.0742% | 2,332 |
| Net operating income to assets | 0.7691% | 3,755 |
| Return on assets (ROA) | 0.7691% | 3,823 |
| Pretax return on assets | 0.9578% | 3,684 |
| Return on Equity (ROE) | 7.4918% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.4918% | 1,602 |
| Net charge-offs to loans | 0.0118% | 2,718 |
| Credit loss provision to net charge-offs | 920.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 572 |
| Efficiency ratio | 78.4003% | 1,101 |
| Assets per employee ($millions) | 3.8787% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 838 |
| Loan loss allowance to noncurrent loans | 1,680.4598% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,410 |
| Noncurrent loans to loans | 0.1006% | 4,225 |
| Net loans and leases to total assets | 68.5313% | 2,750 |
| Net loans and leases to deposits | 81.4827% | 2,789 |
| Net loans and leases to core deposits | 86.9129% | 2,892 |
| Total domestic deposits to total assets | 84.1053% | 2,812 |
| Equity capital to assets | 10.6126% | 3,425 |
| Core capital (leverage) ratio | 10.4634% | 3,134 |
| Tier 1 risk-based capital ratio | 14.3577% | 3,139 |
| Total risk-based capital ratio | 15.6116% | 3,052 |
| Memoranda: | ||
| Average total assets | $124,038,330 | 3,701 |
| Average earning assets | $114,708,330 | 3,693 |
| Average equity | $12,734,000 | 3,964 |
| Average total loans | $85,006,000 | 3,569 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 1,504 |
| Cost of funding earning assets | 0.8508% | 2,269 |
| Net interest margin | 4.0865% | 1,586 |
| Noninterest income to average assets | 0.8065% | 1,286 |
| Noninterest expense to average assets | 3.7355% | 709 |
| Loan and lease loss provision to assets | 0.1387% | 1,245 |
| Net operating income to assets | 0.5742% | 4,320 |
| Return on assets (ROA) | 0.5742% | 4,352 |
| Pretax return on assets | 0.7129% | 4,270 |
| Return on Equity (ROE) | 5.6892% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.6892% | 2,595 |
| Net charge-offs to loans | -0.0095% | 4,210 |
| Credit loss provision to net charge-offs | -2,150.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4346% | 929 |
| Assets per employee ($millions) | 3.9752% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 851 |
| Loan loss allowance to noncurrent loans | 651.5556% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 3,931 |
| Noncurrent loans to loans | 0.2616% | 3,625 |
| Net loans and leases to total assets | 66.4489% | 2,982 |
| Net loans and leases to deposits | 79.6861% | 2,877 |
| Net loans and leases to core deposits | 84.5557% | 2,982 |
| Total domestic deposits to total assets | 83.3884% | 3,260 |
| Equity capital to assets | 9.9932% | 3,837 |
| Core capital (leverage) ratio | 10.1545% | 3,435 |
| Tier 1 risk-based capital ratio | 13.6994% | 3,495 |
| Total risk-based capital ratio | 14.9529% | 3,409 |
| Memoranda: | ||
| Average total assets | $123,999,000 | 3,735 |
| Average earning assets | $114,718,000 | 3,735 |
| Average equity | $12,515,000 | 4,003 |
| Average total loans | $84,248,500 | 3,605 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 1,178 |
| Cost of funding earning assets | 0.6297% | 2,526 |
| Net interest margin | 4.3129% | 1,119 |
| Noninterest income to average assets | 1.1198% | 737 |
| Noninterest expense to average assets | 4.0779% | 482 |
| Loan and lease loss provision to assets | -0.0069% | 5,097 |
| Net operating income to assets | 0.6710% | 4,231 |
| Return on assets (ROA) | 0.6710% | 4,239 |
| Pretax return on assets | 1.0048% | 3,580 |
| Return on Equity (ROE) | 6.4750% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.2805% | 3,191 |
| Net charge-offs to loans | 0.0086% | 3,387 |
| Credit loss provision to net charge-offs | -114.2857% | 4,409 |
| Earnings coverage of net charge-offs (x) | 164.8571% | 525 |
| Efficiency ratio | 80.3407% | 930 |
| Assets per employee ($millions) | 3.7748% | 4,219 |
| Cash dividends to net income (ytd only)* | 33.8918% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 798 |
| Loan loss allowance to noncurrent loans | 1,007.8014% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 4,245 |
| Noncurrent loans to loans | 0.1709% | 3,983 |
| Net loans and leases to total assets | 67.1261% | 2,982 |
| Net loans and leases to deposits | 81.0806% | 2,842 |
| Net loans and leases to core deposits | 85.0827% | 2,998 |
| Total domestic deposits to total assets | 82.7894% | 3,397 |
| Equity capital to assets | 10.1977% | 3,470 |
| Core capital (leverage) ratio | 10.4357% | 3,100 |
| Tier 1 risk-based capital ratio | 13.7265% | 3,424 |
| Total risk-based capital ratio | 14.9807% | 3,346 |
| Memoranda: | ||
| Average total assets | $115,647,400 | 3,860 |
| Average earning assets | $106,077,400 | 3,874 |
| Average equity | $11,984,600 | 4,030 |
| Average total loans | $81,037,000 | 3,648 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 1,085 |
| Cost of funding earning assets | 0.5677% | 2,722 |
| Net interest margin | 4.3658% | 978 |
| Noninterest income to average assets | 1.0749% | 820 |
| Noninterest expense to average assets | 4.1143% | 450 |
| Loan and lease loss provision to assets | -0.0035% | 5,198 |
| Net operating income to assets | 0.5759% | 4,569 |
| Return on assets (ROA) | 0.5759% | 4,575 |
| Pretax return on assets | 0.9630% | 3,840 |
| Return on Equity (ROE) | 5.5343% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2766% | 3,078 |
| Net charge-offs to loans | 0.0083% | 3,119 |
| Credit loss provision to net charge-offs | -60.0000% | 4,182 |
| Earnings coverage of net charge-offs (x) | 164.5142% | 503 |
| Efficiency ratio | 81.0892% | 851 |
| Assets per employee ($millions) | 3.4480% | 4,625 |
| Cash dividends to net income (ytd only)* | 4.6565% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 789 |
| Loan loss allowance to noncurrent loans | 991.6667% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,351 |
| Noncurrent loans to loans | 0.1771% | 4,093 |
| Net loans and leases to total assets | 68.1577% | 2,906 |
| Net loans and leases to deposits | 82.7228% | 2,739 |
| Net loans and leases to core deposits | 88.0114% | 2,845 |
| Total domestic deposits to total assets | 82.3929% | 3,490 |
| Equity capital to assets | 10.2481% | 3,404 |
| Core capital (leverage) ratio | 10.9113% | 2,666 |
| Tier 1 risk-based capital ratio | 14.1193% | 3,306 |
| Total risk-based capital ratio | 15.3743% | 3,222 |
| Memoranda: | ||
| Average total assets | $114,361,250 | 3,920 |
| Average earning assets | $104,751,750 | 3,942 |
| Average equity | $11,901,250 | 4,079 |
| Average total loans | $80,670,250 | 3,685 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 906 |
| Cost of funding earning assets | 0.5003% | 3,009 |
| Net interest margin | 4.4564% | 758 |
| Noninterest income to average assets | 1.0388% | 894 |
| Noninterest expense to average assets | 4.1339% | 456 |
| Loan and lease loss provision to assets | 0.0053% | 3,724 |
| Net operating income to assets | 0.5767% | 4,576 |
| Return on assets (ROA) | 0.5767% | 4,570 |
| Pretax return on assets | 0.9841% | 3,714 |
| Return on Equity (ROE) | 5.5126% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2935% | 2,937 |
| Net charge-offs to loans | 0.0124% | 2,719 |
| Credit loss provision to net charge-offs | 60.0000% | 2,427 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 640 |
| Efficiency ratio | 80.6885% | 939 |
| Assets per employee ($millions) | 3.5857% | 4,492 |
| Cash dividends to net income (ytd only)* | 3.9755% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 781 |
| Loan loss allowance to noncurrent loans | 1,156.4516% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,456 |
| Noncurrent loans to loans | 0.1539% | 4,213 |
| Net loans and leases to total assets | 68.9881% | 2,730 |
| Net loans and leases to deposits | 83.9260% | 2,545 |
| Net loans and leases to core deposits | 90.4426% | 2,534 |
| Total domestic deposits to total assets | 82.2011% | 3,653 |
| Equity capital to assets | 10.3858% | 3,230 |
| Core capital (leverage) ratio | 10.8849% | 2,626 |
| Tier 1 risk-based capital ratio | 14.1737% | 3,276 |
| Total risk-based capital ratio | 15.4280% | 3,189 |
| Memoranda: | ||
| Average total assets | $113,404,670 | 3,958 |
| Average earning assets | $103,940,000 | 3,988 |
| Average equity | $11,863,670 | 4,109 |
| Average total loans | $80,450,330 | 3,702 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 1,107 |
| Cost of funding earning assets | 0.4517% | 3,192 |
| Net interest margin | 4.3359% | 890 |
| Noninterest income to average assets | 1.0644% | 811 |
| Noninterest expense to average assets | 4.1478% | 439 |
| Loan and lease loss provision to assets | 0.0177% | 3,304 |
| Net operating income to assets | 0.3193% | 5,066 |
| Return on assets (ROA) | 0.3193% | 5,071 |
| Pretax return on assets | 0.8835% | 3,899 |
| Return on Equity (ROE) | 3.0413% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.0413% | 3,987 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1504% | 931 |
| Assets per employee ($millions) | 3.5631% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 802 |
| Loan loss allowance to noncurrent loans | 1,896.0526% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,759 |
| Noncurrent loans to loans | 0.0944% | 4,549 |
| Net loans and leases to total assets | 69.3338% | 2,585 |
| Net loans and leases to deposits | 81.6545% | 2,626 |
| Net loans and leases to core deposits | 88.8136% | 2,561 |
| Total domestic deposits to total assets | 84.9112% | 2,966 |
| Equity capital to assets | 10.3028% | 3,282 |
| Core capital (leverage) ratio | 10.6641% | 2,774 |
| Tier 1 risk-based capital ratio | 13.9723% | 3,392 |
| Total risk-based capital ratio | 15.2271% | 3,305 |
| Memoranda: | ||
| Average total assets | $112,735,500 | 4,015 |
| Average earning assets | $103,599,000 | 4,039 |
| Average equity | $11,837,000 | 4,150 |
| Average total loans | $80,379,000 | 3,738 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 1,137 |
| Cost of funding earning assets | 0.3383% | 3,815 |
| Net interest margin | 4.3871% | 791 |
| Noninterest income to average assets | 1.6733% | 385 |
| Noninterest expense to average assets | 4.2384% | 400 |
| Loan and lease loss provision to assets | 0.0939% | 2,330 |
| Net operating income to assets | 0.9153% | 2,624 |
| Return on assets (ROA) | 0.8946% | 2,769 |
| Pretax return on assets | 1.3208% | 2,278 |
| Return on Equity (ROE) | 8.3209% | 2,639 |
| Retained earnings to average equity (ytd only) | 5.3675% | 1,890 |
| Net charge-offs to loans | 0.0213% | 3,392 |
| Credit loss provision to net charge-offs | 637.5000% | 504 |
| Earnings coverage of net charge-offs (x) | 98.1250% | 655 |
| Efficiency ratio | 74.5749% | 1,816 |
| Assets per employee ($millions) | 3.3774% | 4,851 |
| Cash dividends to net income (ytd only)* | 35.4938% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 794 |
| Loan loss allowance to noncurrent loans | 1,841.0256% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,112 |
| Noncurrent loans to loans | 0.0972% | 4,558 |
| Net loans and leases to total assets | 70.7276% | 2,412 |
| Net loans and leases to deposits | 82.1382% | 2,705 |
| Net loans and leases to core deposits | 87.2339% | 2,797 |
| Total domestic deposits to total assets | 86.1080% | 2,385 |
| Equity capital to assets | 10.7014% | 2,943 |
| Core capital (leverage) ratio | 10.7238% | 2,618 |
| Tier 1 risk-based capital ratio | 13.8703% | 3,436 |
| Total risk-based capital ratio | 15.1254% | 3,340 |
| Memoranda: | ||
| Average total assets | $108,650,200 | 4,087 |
| Average earning assets | $99,313,400 | 4,111 |
| Average equity | $11,681,400 | 4,189 |
| Average total loans | $75,165,200 | 3,841 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 1,206 |
| Cost of funding earning assets | 0.3246% | 3,895 |
| Net interest margin | 4.3434% | 827 |
| Noninterest income to average assets | 1.6958% | 395 |
| Noninterest expense to average assets | 4.2784% | 382 |
| Loan and lease loss provision to assets | 0.1038% | 2,035 |
| Net operating income to assets | 0.8688% | 3,182 |
| Return on assets (ROA) | 0.8411% | 3,366 |
| Pretax return on assets | 1.2388% | 2,750 |
| Return on Equity (ROE) | 7.8139% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.6091% | 1,903 |
| Net charge-offs to loans | 0.1065% | 1,723 |
| Credit loss provision to net charge-offs | 142.3729% | 1,754 |
| Earnings coverage of net charge-offs (x) | 18.9842% | 2,021 |
| Efficiency ratio | 75.5672% | 1,654 |
| Assets per employee ($millions) | 3.4324% | 4,823 |
| Cash dividends to net income (ytd only)* | 15.4188% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 938 |
| Loan loss allowance to noncurrent loans | 6,547.6190% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,363 |
| Noncurrent loans to loans | 0.0268% | 5,003 |
| Net loans and leases to total assets | 68.0736% | 2,834 |
| Net loans and leases to deposits | 78.9376% | 3,073 |
| Net loans and leases to core deposits | 83.7992% | 3,142 |
| Total domestic deposits to total assets | 86.2373% | 2,216 |
| Equity capital to assets | 10.5527% | 3,309 |
| Core capital (leverage) ratio | 10.9223% | 2,530 |
| Tier 1 risk-based capital ratio | 14.2023% | 3,350 |
| Total risk-based capital ratio | 15.4573% | 3,249 |
| Memoranda: | ||
| Average total assets | $107,949,500 | 4,141 |
| Average earning assets | $98,567,500 | 4,164 |
| Average equity | $11,620,000 | 4,242 |
| Average total loans | $73,890,500 | 3,907 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 1,232 |
| Cost of funding earning assets | 0.3116% | 3,961 |
| Net interest margin | 4.3010% | 858 |
| Noninterest income to average assets | 1.6633% | 411 |
| Noninterest expense to average assets | 4.3663% | 347 |
| Loan and lease loss provision to assets | 0.1149% | 1,789 |
| Net operating income to assets | 0.7550% | 3,614 |
| Return on assets (ROA) | 0.7422% | 3,725 |
| Pretax return on assets | 1.0888% | 3,223 |
| Return on Equity (ROE) | 6.8468% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.0222% | 2,695 |
| Net charge-offs to loans | 0.1437% | 1,292 |
| Credit loss provision to net charge-offs | 117.3077% | 1,812 |
| Earnings coverage of net charge-offs (x) | 12.4808% | 2,191 |
| Efficiency ratio | 78.1261% | 1,449 |
| Assets per employee ($millions) | 3.2610% | 5,019 |
| Cash dividends to net income (ytd only)* | 26.6497% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 3,835 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.2152% | 2,918 |
| Net loans and leases to deposits | 78.2215% | 3,096 |
| Net loans and leases to core deposits | 83.6345% | 3,109 |
| Total domestic deposits to total assets | 85.9293% | 2,400 |
| Equity capital to assets | 10.8666% | 2,951 |
| Core capital (leverage) ratio | 11.0701% | 2,340 |
| Tier 1 risk-based capital ratio | 14.5784% | 3,125 |
| Total risk-based capital ratio | 15.8339% | 3,041 |
| Memoranda: | ||
| Average total assets | $106,176,000 | 4,204 |
| Average earning assets | $96,908,330 | 4,217 |
| Average equity | $11,509,000 | 4,272 |
| Average total loans | $72,360,000 | 3,968 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 1,295 |
| Cost of funding earning assets | 0.2916% | 4,129 |
| Net interest margin | 4.2408% | 904 |
| Noninterest income to average assets | 1.7600% | 376 |
| Noninterest expense to average assets | 4.5516% | 319 |
| Loan and lease loss provision to assets | 0.1138% | 1,686 |
| Net operating income to assets | 0.6600% | 3,881 |
| Return on assets (ROA) | 0.6600% | 3,923 |
| Pretax return on assets | 0.9558% | 3,563 |
| Return on Equity (ROE) | 6.0964% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.0964% | 2,282 |
| Net charge-offs to loans | 0.0502% | 1,858 |
| Credit loss provision to net charge-offs | 333.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,191 |
| Efficiency ratio | 80.9717% | 1,260 |
| Assets per employee ($millions) | 3.1805% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 767 |
| Loan loss allowance to noncurrent loans | 221.4863% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 2,462 |
| Noncurrent loans to loans | 0.8644% | 2,304 |
| Net loans and leases to total assets | 66.9226% | 2,828 |
| Net loans and leases to deposits | 76.4401% | 3,143 |
| Net loans and leases to core deposits | 82.6129% | 3,027 |
| Total domestic deposits to total assets | 87.5492% | 1,963 |
| Equity capital to assets | 10.9778% | 2,647 |
| Core capital (leverage) ratio | 11.0308% | 2,332 |
| Tier 1 risk-based capital ratio | 14.7971% | 3,069 |
| Total risk-based capital ratio | 16.0529% | 2,992 |
| Memoranda: | ||
| Average total assets | $105,457,000 | 4,258 |
| Average earning assets | $96,018,500 | 4,271 |
| Average equity | $11,416,500 | 4,320 |
| Average total loans | $71,694,000 | 4,013 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,069 |
| Cost of funding earning assets | 0.2525% | 4,543 |
| Net interest margin | 4.4417% | 707 |
| Noninterest income to average assets | 1.5203% | 519 |
| Noninterest expense to average assets | 4.5364% | 362 |
| Loan and lease loss provision to assets | 0.1109% | 2,217 |
| Net operating income to assets | 0.6075% | 4,179 |
| Return on assets (ROA) | 0.6286% | 4,206 |
| Pretax return on assets | 0.9208% | 3,767 |
| Return on Equity (ROE) | 5.8664% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.6128% | 3,351 |
| Net charge-offs to loans | -0.0295% | 5,241 |
| Credit loss provision to net charge-offs | -561.9048% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9277% | 1,206 |
| Assets per employee ($millions) | 3.2108% | 5,139 |
| Cash dividends to net income (ytd only)* | 38.4155% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 837 |
| Loan loss allowance to noncurrent loans | 213.2701% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 2,531 |
| Noncurrent loans to loans | 0.8819% | 2,342 |
| Net loans and leases to total assets | 66.4675% | 3,005 |
| Net loans and leases to deposits | 75.8274% | 3,335 |
| Net loans and leases to core deposits | 81.8766% | 3,218 |
| Total domestic deposits to total assets | 87.6563% | 1,811 |
| Equity capital to assets | 10.6751% | 2,952 |
| Core capital (leverage) ratio | 10.7848% | 2,548 |
| Tier 1 risk-based capital ratio | 14.6912% | 3,107 |
| Total risk-based capital ratio | 15.9466% | 3,046 |
| Memoranda: | ||
| Average total assets | $106,428,600 | 4,233 |
| Average earning assets | $96,247,400 | 4,268 |
| Average equity | $11,404,000 | 4,354 |
| Average total loans | $71,122,800 | 4,024 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,053 |
| Cost of funding earning assets | 0.2410% | 4,689 |
| Net interest margin | 4.4633% | 685 |
| Noninterest income to average assets | 1.6030% | 475 |
| Noninterest expense to average assets | 4.6313% | 339 |
| Loan and lease loss provision to assets | 0.0876% | 2,478 |
| Net operating income to assets | 0.6251% | 4,184 |
| Return on assets (ROA) | 0.6532% | 4,188 |
| Pretax return on assets | 0.9573% | 3,785 |
| Return on Equity (ROE) | 6.0905% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.3672% | 2,576 |
| Net charge-offs to loans | -0.1221% | 5,643 |
| Credit loss provision to net charge-offs | -107.6923% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1897% | 1,174 |
| Assets per employee ($millions) | 3.1052% | 5,287 |
| Cash dividends to net income (ytd only)* | 11.8768% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 915 |
| Loan loss allowance to noncurrent loans | 163.5480% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 2,657 |
| Noncurrent loans to loans | 1.1356% | 1,982 |
| Net loans and leases to total assets | 65.4435% | 3,211 |
| Net loans and leases to deposits | 75.0971% | 3,486 |
| Net loans and leases to core deposits | 80.7809% | 3,372 |
| Total domestic deposits to total assets | 87.1452% | 1,825 |
| Equity capital to assets | 10.7505% | 3,311 |
| Core capital (leverage) ratio | 10.8616% | 2,613 |
| Tier 1 risk-based capital ratio | 14.5063% | 3,283 |
| Total risk-based capital ratio | 15.7614% | 3,215 |
| Memoranda: | ||
| Average total assets | $106,546,500 | 4,268 |
| Average earning assets | $96,250,000 | 4,302 |
| Average equity | $11,427,250 | 4,388 |
| Average total loans | $70,959,250 | 4,051 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,275 |
| Cost of funding earning assets | 0.2304% | 4,847 |
| Net interest margin | 4.3658% | 821 |
| Noninterest income to average assets | 1.5307% | 516 |
| Noninterest expense to average assets | 4.7244% | 323 |
| Loan and lease loss provision to assets | 0.1266% | 1,799 |
| Net operating income to assets | 0.4521% | 4,862 |
| Return on assets (ROA) | 0.4951% | 4,799 |
| Pretax return on assets | 0.7162% | 4,571 |
| Return on Equity (ROE) | 4.6201% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.6201% | 2,968 |
| Net charge-offs to loans | -0.0341% | 5,190 |
| Credit loss provision to net charge-offs | -558.3333% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8222% | 899 |
| Assets per employee ($millions) | 2.8624% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7937% | 1,087 |
| Loan loss allowance to noncurrent loans | 651.5152% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 4,743 |
| Noncurrent loans to loans | 0.2753% | 4,382 |
| Net loans and leases to total assets | 66.6887% | 2,980 |
| Net loans and leases to deposits | 78.7359% | 3,082 |
| Net loans and leases to core deposits | 83.7176% | 3,111 |
| Total domestic deposits to total assets | 84.6993% | 3,003 |
| Equity capital to assets | 10.8875% | 3,181 |
| Core capital (leverage) ratio | 10.8446% | 2,600 |
| Tier 1 risk-based capital ratio | 14.5599% | 3,287 |
| Total risk-based capital ratio | 15.8145% | 3,213 |
| Memoranda: | ||
| Average total assets | $105,834,330 | 4,316 |
| Average earning assets | $96,339,000 | 4,340 |
| Average equity | $11,341,670 | 4,432 |
| Average total loans | $70,455,000 | 4,083 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,336 |
| Cost of funding earning assets | 0.2157% | 5,047 |
| Net interest margin | 4.3565% | 820 |
| Noninterest income to average assets | 1.1267% | 859 |
| Noninterest expense to average assets | 4.4085% | 419 |
| Loan and lease loss provision to assets | 0.0794% | 2,372 |
| Net operating income to assets | 0.4231% | 4,926 |
| Return on assets (ROA) | 0.4310% | 4,975 |
| Pretax return on assets | 0.6201% | 4,759 |
| Return on Equity (ROE) | 4.0544% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.0544% | 3,465 |
| Net charge-offs to loans | -0.0402% | 5,217 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4985% | 932 |
| Assets per employee ($millions) | 2.8432% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 1,208 |
| Loan loss allowance to noncurrent loans | 610.3448% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,792 |
| Noncurrent loans to loans | 0.2905% | 4,394 |
| Net loans and leases to total assets | 65.2582% | 3,072 |
| Net loans and leases to deposits | 76.1646% | 3,203 |
| Net loans and leases to core deposits | 79.9420% | 3,326 |
| Total domestic deposits to total assets | 85.6805% | 2,819 |
| Equity capital to assets | 10.8166% | 3,147 |
| Core capital (leverage) ratio | 10.5810% | 2,873 |
| Tier 1 risk-based capital ratio | 14.6091% | 3,336 |
| Total risk-based capital ratio | 15.8640% | 3,272 |
| Memoranda: | ||
| Average total assets | $105,796,500 | 4,351 |
| Average earning assets | $96,408,000 | 4,372 |
| Average equity | $11,247,000 | 4,459 |
| Average total loans | $69,722,500 | 4,119 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,346 |
| Cost of funding earning assets | 0.2460% | 4,821 |
| Net interest margin | 4.3487% | 877 |
| Noninterest income to average assets | 1.2791% | 732 |
| Noninterest expense to average assets | 4.2315% | 526 |
| Loan and lease loss provision to assets | -0.0037% | 5,604 |
| Net operating income to assets | 0.6764% | 3,920 |
| Return on assets (ROA) | 0.6764% | 4,021 |
| Pretax return on assets | 0.9875% | 3,517 |
| Return on Equity (ROE) | 6.6101% | 3,724 |
| Retained earnings to average equity (ytd only) | 4.1063% | 3,082 |
| Net charge-offs to loans | -0.0835% | 5,726 |
| Credit loss provision to net charge-offs | 7.2727% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1361% | 1,514 |
| Assets per employee ($millions) | 2.9554% | 5,565 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 1,262 |
| Loan loss allowance to noncurrent loans | 582.2115% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 4,816 |
| Noncurrent loans to loans | 0.2990% | 4,385 |
| Net loans and leases to total assets | 64.2367% | 3,242 |
| Net loans and leases to deposits | 73.0624% | 3,607 |
| Net loans and leases to core deposits | 76.5459% | 3,708 |
| Total domestic deposits to total assets | 87.9204% | 1,676 |
| Equity capital to assets | 10.4470% | 3,429 |
| Core capital (leverage) ratio | 10.2169% | 3,246 |
| Tier 1 risk-based capital ratio | 14.6734% | 3,340 |
| Total risk-based capital ratio | 15.9277% | 3,267 |
| Memoranda: | ||
| Average total assets | $107,337,200 | 4,309 |
| Average earning assets | $97,154,600 | 4,365 |
| Average equity | $10,983,200 | 4,482 |
| Average total loans | $65,862,600 | 4,204 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 1,428 |
| Cost of funding earning assets | 0.2495% | 4,883 |
| Net interest margin | 4.3137% | 938 |
| Noninterest income to average assets | 1.1378% | 927 |
| Noninterest expense to average assets | 4.2290% | 528 |
| Loan and lease loss provision to assets | -0.0050% | 5,801 |
| Net operating income to assets | 0.5627% | 4,555 |
| Return on assets (ROA) | 0.5627% | 4,638 |
| Pretax return on assets | 0.8143% | 4,294 |
| Return on Equity (ROE) | 5.5279% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.1642% | 3,500 |
| Net charge-offs to loans | -0.1027% | 5,794 |
| Credit loss provision to net charge-offs | 8.0000% | 3,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9360% | 1,184 |
| Assets per employee ($millions) | 2.8088% | 5,748 |
| Cash dividends to net income (ytd only)* | 24.6696% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 1,421 |
| Loan loss allowance to noncurrent loans | 566.1972% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 4,971 |
| Noncurrent loans to loans | 0.3041% | 4,512 |
| Net loans and leases to total assets | 62.8372% | 3,475 |
| Net loans and leases to deposits | 72.7474% | 3,678 |
| Net loans and leases to core deposits | 75.5947% | 3,844 |
| Total domestic deposits to total assets | 86.3773% | 2,344 |
| Equity capital to assets | 10.1867% | 3,952 |
| Core capital (leverage) ratio | 10.0356% | 3,572 |
| Tier 1 risk-based capital ratio | 14.4875% | 3,584 |
| Total risk-based capital ratio | 15.7410% | 3,491 |
| Memoranda: | ||
| Average total assets | $107,573,000 | 4,355 |
| Average earning assets | $97,270,250 | 4,399 |
| Average equity | $10,950,250 | 4,543 |
| Average total loans | $64,939,500 | 4,278 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 1,393 |
| Cost of funding earning assets | 0.2612% | 4,816 |
| Net interest margin | 4.2935% | 931 |
| Noninterest income to average assets | 1.0756% | 1,035 |
| Noninterest expense to average assets | 4.1622% | 572 |
| Loan and lease loss provision to assets | 0.0019% | 4,044 |
| Net operating income to assets | 0.5406% | 4,602 |
| Return on assets (ROA) | 0.5406% | 4,711 |
| Pretax return on assets | 0.7857% | 4,362 |
| Return on Equity (ROE) | 5.3122% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.3122% | 2,663 |
| Net charge-offs to loans | -0.1771% | 5,990 |
| Credit loss provision to net charge-offs | -1.7857% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0892% | 1,258 |
| Assets per employee ($millions) | 2.9884% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 1,295 |
| Loan loss allowance to noncurrent loans | 545.7399% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 3,119 |
| Noncurrent loans to loans | 0.3367% | 4,481 |
| Net loans and leases to total assets | 60.4311% | 3,766 |
| Net loans and leases to deposits | 70.3756% | 3,885 |
| Net loans and leases to core deposits | 72.5389% | 4,082 |
| Total domestic deposits to total assets | 85.8694% | 2,764 |
| Equity capital to assets | 10.2341% | 3,771 |
| Core capital (leverage) ratio | 10.0623% | 3,513 |
| Tier 1 risk-based capital ratio | 14.9866% | 3,364 |
| Total risk-based capital ratio | 16.2409% | 3,300 |
| Memoranda: | ||
| Average total assets | $106,915,670 | 4,404 |
| Average earning assets | $96,472,000 | 4,455 |
| Average equity | $10,880,670 | 4,584 |
| Average total loans | $63,239,000 | 4,360 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 1,605 |
| Cost of funding earning assets | 0.2538% | 4,977 |
| Net interest margin | 4.1988% | 1,061 |
| Noninterest income to average assets | 0.7694% | 1,831 |
| Noninterest expense to average assets | 4.2671% | 518 |
| Loan and lease loss provision to assets | -0.0338% | 6,135 |
| Net operating income to assets | 0.2364% | 5,598 |
| Return on assets (ROA) | 0.2364% | 5,686 |
| Pretax return on assets | 0.3228% | 5,598 |
| Return on Equity (ROE) | 2.3299% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.3299% | 4,526 |
| Net charge-offs to loans | -0.3434% | 6,175 |
| Credit loss provision to net charge-offs | 16.9811% | 2,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6573% | 608 |
| Assets per employee ($millions) | 2.9513% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 1,232 |
| Loan loss allowance to noncurrent loans | 532.7434% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 3,065 |
| Noncurrent loans to loans | 0.3614% | 4,506 |
| Net loans and leases to total assets | 57.7216% | 3,990 |
| Net loans and leases to deposits | 65.4375% | 4,210 |
| Net loans and leases to core deposits | 67.4193% | 4,391 |
| Total domestic deposits to total assets | 88.2087% | 1,700 |
| Equity capital to assets | 10.2722% | 3,800 |
| Core capital (leverage) ratio | 10.0001% | 3,598 |
| Tier 1 risk-based capital ratio | 15.2984% | 3,261 |
| Total risk-based capital ratio | 16.5542% | 3,190 |
| Memoranda: | ||
| Average total assets | $106,582,500 | 4,445 |
| Average earning assets | $96,123,500 | 4,501 |
| Average equity | $10,816,000 | 4,637 |
| Average total loans | $61,743,500 | 4,440 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 2,124 |
| Cost of funding earning assets | 0.3093% | 4,696 |
| Net interest margin | 4.1218% | 1,508 |
| Noninterest income to average assets | 1.0680% | 1,063 |
| Noninterest expense to average assets | 4.5106% | 457 |
| Loan and lease loss provision to assets | -0.2748% | 6,353 |
| Net operating income to assets | 0.3763% | 5,302 |
| Return on assets (ROA) | 0.3491% | 5,446 |
| Pretax return on assets | 0.5012% | 5,246 |
| Return on Equity (ROE) | 3.2851% | 5,385 |
| Retained earnings to average equity (ytd only) | -15.0515% | 6,386 |
| Net charge-offs to loans | -0.1322% | 6,182 |
| Credit loss provision to net charge-offs | 345.6522% | 762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4454% | 574 |
| Assets per employee ($millions) | 2.9699% | 5,743 |
| Cash dividends to net income (ytd only)* | 558.1683% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 1,310 |
| Loan loss allowance to noncurrent loans | 83.3932% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.7284% | 1,539 |
| Noncurrent loans to loans | 2.2820% | 1,145 |
| Net loans and leases to total assets | 55.9266% | 4,348 |
| Net loans and leases to deposits | 63.1555% | 4,615 |
| Net loans and leases to core deposits | 65.0476% | 4,752 |
| Total domestic deposits to total assets | 88.5537% | 1,494 |
| Equity capital to assets | 10.0246% | 4,078 |
| Core capital (leverage) ratio | 9.6371% | 4,049 |
| Tier 1 risk-based capital ratio | 15.6299% | 3,173 |
| Total risk-based capital ratio | 16.8865% | 3,094 |
| Memoranda: | ||
| Average total assets | $115,727,800 | 4,264 |
| Average earning assets | $104,104,800 | 4,310 |
| Average equity | $12,297,800 | 4,304 |
| Average total loans | $69,584,800 | 4,198 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 1,786 |
| Cost of funding earning assets | 0.3208% | 4,664 |
| Net interest margin | 4.2037% | 1,280 |
| Noninterest income to average assets | 1.0401% | 1,132 |
| Noninterest expense to average assets | 4.5642% | 429 |
| Loan and lease loss provision to assets | -0.2408% | 6,417 |
| Net operating income to assets | 0.3443% | 5,448 |
| Return on assets (ROA) | 0.3086% | 5,630 |
| Pretax return on assets | 0.4432% | 5,487 |
| Return on Equity (ROE) | 2.8677% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.8677% | 4,560 |
| Net charge-offs to loans | -0.0781% | 6,064 |
| Credit loss provision to net charge-offs | 507.1429% | 562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7430% | 556 |
| Assets per employee ($millions) | 2.9331% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 1,374 |
| Loan loss allowance to noncurrent loans | 44.2623% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.5139% | 1,043 |
| Noncurrent loans to loans | 4.3832% | 455 |
| Net loans and leases to total assets | 55.0974% | 4,449 |
| Net loans and leases to deposits | 63.3619% | 4,603 |
| Net loans and leases to core deposits | 65.6262% | 4,746 |
| Total domestic deposits to total assets | 86.9566% | 2,342 |
| Equity capital to assets | 11.4105% | 2,566 |
| Core capital (leverage) ratio | 10.7642% | 2,736 |
| Tier 1 risk-based capital ratio | 18.3679% | 2,098 |
| Total risk-based capital ratio | 19.6252% | 2,060 |
| Memoranda: | ||
| Average total assets | $117,930,500 | 4,263 |
| Average earning assets | $105,968,000 | 4,305 |
| Average equity | $12,692,750 | 4,277 |
| Average total loans | $71,742,250 | 4,167 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 1,725 |
| Cost of funding earning assets | 0.3375% | 4,564 |
| Net interest margin | 4.1967% | 1,252 |
| Noninterest income to average assets | 0.6778% | 2,387 |
| Noninterest expense to average assets | 4.5633% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0566% | 6,230 |
| Return on assets (ROA) | -0.0566% | 6,243 |
| Pretax return on assets | -0.1166% | 6,266 |
| Return on Equity (ROE) | -0.5361% | 6,247 |
| Retained earnings to average equity (ytd only) | -0.5361% | 5,781 |
| Net charge-offs to loans | -0.0535% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6217% | 343 |
| Assets per employee ($millions) | 2.7186% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 1,636 |
| Loan loss allowance to noncurrent loans | 57.0617% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.3449% | 1,255 |
| Noncurrent loans to loans | 3.2868% | 846 |
| Net loans and leases to total assets | 61.4952% | 3,485 |
| Net loans and leases to deposits | 69.6994% | 3,860 |
| Net loans and leases to core deposits | 70.2606% | 4,239 |
| Total domestic deposits to total assets | 88.2293% | 1,769 |
| Equity capital to assets | 10.4206% | 3,537 |
| Core capital (leverage) ratio | 10.3764% | 3,109 |
| Tier 1 risk-based capital ratio | 15.5254% | 3,343 |
| Total risk-based capital ratio | 16.7825% | 3,291 |
| Memoranda: | ||
| Average total assets | $120,087,670 | 4,237 |
| Average earning assets | $107,847,330 | 4,294 |
| Average equity | $12,684,330 | 4,289 |
| Average total loans | $74,781,000 | 4,080 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 1,770 |
| Cost of funding earning assets | 0.3359% | 4,686 |
| Net interest margin | 4.1784% | 1,273 |
| Noninterest income to average assets | 0.7247% | 2,060 |
| Noninterest expense to average assets | 4.7506% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1529% | 6,326 |
| Return on assets (ROA) | -0.1529% | 6,330 |
| Pretax return on assets | -0.2626% | 6,373 |
| Return on Equity (ROE) | -1.4382% | 6,326 |
| Retained earnings to average equity (ytd only) | -1.4382% | 5,788 |
| Net charge-offs to loans | -0.1446% | 6,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8519% | 339 |
| Assets per employee ($millions) | 2.5415% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 1,824 |
| Loan loss allowance to noncurrent loans | 52.0059% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.5885% | 1,208 |
| Noncurrent loans to loans | 3.6052% | 788 |
| Net loans and leases to total assets | 61.9087% | 3,251 |
| Net loans and leases to deposits | 70.1194% | 3,590 |
| Net loans and leases to core deposits | 70.9135% | 3,993 |
| Total domestic deposits to total assets | 88.2905% | 2,063 |
| Equity capital to assets | 10.3047% | 3,463 |
| Core capital (leverage) ratio | 10.2826% | 3,188 |
| Tier 1 risk-based capital ratio | 15.5542% | 3,408 |
| Total risk-based capital ratio | 16.8118% | 3,368 |
| Memoranda: | ||
| Average total assets | $120,322,000 | 4,269 |
| Average earning assets | $108,366,000 | 4,310 |
| Average equity | $12,794,000 | 4,273 |
| Average total loans | $74,688,500 | 4,113 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 2,574 |
| Cost of funding earning assets | 0.4529% | 4,082 |
| Net interest margin | 3.9507% | 2,102 |
| Noninterest income to average assets | 1.2302% | 921 |
| Noninterest expense to average assets | 4.4341% | 555 |
| Loan and lease loss provision to assets | -0.0707% | 6,433 |
| Net operating income to assets | 0.3198% | 5,457 |
| Return on assets (ROA) | 0.3198% | 5,552 |
| Pretax return on assets | 0.4283% | 5,415 |
| Return on Equity (ROE) | 3.1244% | 5,459 |
| Retained earnings to average equity (ytd only) | 3.1244% | 4,014 |
| Net charge-offs to loans | 0.0132% | 5,192 |
| Credit loss provision to net charge-offs | -920.0000% | 6,214 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 840 |
| Efficiency ratio | 92.5385% | 839 |
| Assets per employee ($millions) | 2.6347% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 1,846 |
| Loan loss allowance to noncurrent loans | 56.8732% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 2.3202% | 1,508 |
| Noncurrent loans to loans | 3.2926% | 994 |
| Net loans and leases to total assets | 59.9271% | 3,735 |
| Net loans and leases to deposits | 68.3114% | 4,004 |
| Net loans and leases to core deposits | 68.9123% | 4,401 |
| Total domestic deposits to total assets | 87.7263% | 2,353 |
| Equity capital to assets | 10.9568% | 2,655 |
| Core capital (leverage) ratio | 10.9833% | 2,401 |
| Tier 1 risk-based capital ratio | 16.9806% | 2,617 |
| Total risk-based capital ratio | 18.2380% | 2,579 |
| Memoranda: | ||
| Average total assets | $130,061,600 | 4,071 |
| Average earning assets | $117,245,000 | 4,102 |
| Average equity | $13,314,400 | 4,201 |
| Average total loans | $75,893,600 | 4,060 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,890 |
| Cost of funding earning assets | 0.4817% | 3,950 |
| Net interest margin | 3.8434% | 2,489 |
| Noninterest income to average assets | 1.2408% | 954 |
| Noninterest expense to average assets | 4.4632% | 541 |
| Loan and lease loss provision to assets | -0.0947% | 6,623 |
| Net operating income to assets | 0.2671% | 5,730 |
| Return on assets (ROA) | 0.2671% | 5,833 |
| Pretax return on assets | 0.3387% | 5,779 |
| Return on Equity (ROE) | 2.6519% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.6519% | 4,735 |
| Net charge-offs to loans | 0.0367% | 4,411 |
| Credit loss provision to net charge-offs | -447.6190% | 6,033 |
| Earnings coverage of net charge-offs (x) | 11.5236% | 2,233 |
| Efficiency ratio | 94.8180% | 689 |
| Assets per employee ($millions) | 2.6267% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 2,062 |
| Loan loss allowance to noncurrent loans | 61.9585% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.2240% | 1,789 |
| Noncurrent loans to loans | 3.0342% | 1,316 |
| Net loans and leases to total assets | 56.8365% | 4,200 |
| Net loans and leases to deposits | 64.5092% | 4,465 |
| Net loans and leases to core deposits | 65.5675% | 4,749 |
| Total domestic deposits to total assets | 88.1061% | 2,055 |
| Equity capital to assets | 10.5353% | 3,232 |
| Core capital (leverage) ratio | 10.4387% | 3,076 |
| Tier 1 risk-based capital ratio | 16.8965% | 2,753 |
| Total risk-based capital ratio | 18.1534% | 2,710 |
| Memoranda: | ||
| Average total assets | $132,278,500 | 4,065 |
| Average earning assets | $119,301,500 | 4,107 |
| Average equity | $13,323,250 | 4,246 |
| Average total loans | $76,363,500 | 4,077 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,986 |
| Cost of funding earning assets | 0.5299% | 3,605 |
| Net interest margin | 3.7621% | 2,711 |
| Noninterest income to average assets | 1.2505% | 997 |
| Noninterest expense to average assets | 4.5004% | 527 |
| Loan and lease loss provision to assets | 0.0089% | 4,682 |
| Net operating income to assets | 0.1459% | 6,034 |
| Return on assets (ROA) | 0.1459% | 6,140 |
| Pretax return on assets | 0.1340% | 6,185 |
| Return on Equity (ROE) | 1.4696% | 6,103 |
| Retained earnings to average equity (ytd only) | 1.4696% | 5,286 |
| Net charge-offs to loans | 0.0723% | 3,679 |
| Credit loss provision to net charge-offs | 21.4286% | 3,706 |
| Earnings coverage of net charge-offs (x) | 3.4286% | 3,387 |
| Efficiency ratio | 96.9221% | 620 |
| Assets per employee ($millions) | 2.7063% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 1,866 |
| Loan loss allowance to noncurrent loans | 80.1531% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.1417% | 2,010 |
| Noncurrent loans to loans | 2.4870% | 1,869 |
| Net loans and leases to total assets | 54.3531% | 4,539 |
| Net loans and leases to deposits | 61.1658% | 4,839 |
| Net loans and leases to core deposits | 63.6736% | 4,931 |
| Total domestic deposits to total assets | 88.8618% | 1,704 |
| Equity capital to assets | 9.8947% | 4,064 |
| Core capital (leverage) ratio | 9.8001% | 3,790 |
| Tier 1 risk-based capital ratio | 16.1870% | 3,097 |
| Total risk-based capital ratio | 17.4426% | 3,045 |
| Memoranda: | ||
| Average total assets | $134,344,330 | 4,056 |
| Average earning assets | $121,155,330 | 4,094 |
| Average equity | $13,336,670 | 4,274 |
| Average total loans | $77,473,670 | 4,059 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,895 |
| Cost of funding earning assets | 0.5414% | 3,656 |
| Net interest margin | 3.7572% | 2,622 |
| Noninterest income to average assets | 1.2957% | 913 |
| Noninterest expense to average assets | 4.6386% | 481 |
| Loan and lease loss provision to assets | 0.0325% | 4,037 |
| Net operating income to assets | 0.1006% | 6,146 |
| Return on assets (ROA) | 0.1006% | 6,240 |
| Pretax return on assets | 0.0118% | 6,393 |
| Return on Equity (ROE) | 1.0116% | 6,219 |
| Retained earnings to average equity (ytd only) | 1.0116% | 5,444 |
| Net charge-offs to loans | 0.1863% | 2,291 |
| Credit loss provision to net charge-offs | 29.7297% | 2,895 |
| Earnings coverage of net charge-offs (x) | 0.4054% | 3,678 |
| Efficiency ratio | 99.0524% | 583 |
| Assets per employee ($millions) | 2.6912% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 2,434 |
| Loan loss allowance to noncurrent loans | 75.8299% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.5944% | 1,760 |
| Noncurrent loans to loans | 2.4462% | 2,106 |
| Net loans and leases to total assets | 57.4875% | 3,849 |
| Net loans and leases to deposits | 64.8290% | 4,206 |
| Net loans and leases to core deposits | 67.7759% | 4,333 |
| Total domestic deposits to total assets | 88.6755% | 1,885 |
| Equity capital to assets | 9.9920% | 4,162 |
| Core capital (leverage) ratio | 9.6578% | 3,841 |
| Tier 1 risk-based capital ratio | 15.5923% | 3,476 |
| Total risk-based capital ratio | 16.8490% | 3,438 |
| Memoranda: | ||
| Average total assets | $135,213,000 | 4,082 |
| Average earning assets | $121,898,500 | 4,117 |
| Average equity | $13,444,500 | 4,297 |
| Average total loans | $79,439,500 | 4,024 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 967 |
| Cost of funding earning assets | 0.7406% | 3,155 |
| Net interest margin | 4.5393% | 878 |
| Noninterest income to average assets | 0.8340% | 2,106 |
| Noninterest expense to average assets | 4.6019% | 516 |
| Loan and lease loss provision to assets | 0.3188% | 2,144 |
| Net operating income to assets | -0.0029% | 6,173 |
| Return on assets (ROA) | -0.0029% | 6,309 |
| Pretax return on assets | -0.0245% | 6,307 |
| Return on Equity (ROE) | -0.0298% | 6,310 |
| Retained earnings to average equity (ytd only) | -0.0298% | 5,849 |
| Net charge-offs to loans | 0.7219% | 1,626 |
| Credit loss provision to net charge-offs | 69.3271% | 4,192 |
| Earnings coverage of net charge-offs (x) | 0.6401% | 5,166 |
| Efficiency ratio | 93.3128% | 841 |
| Assets per employee ($millions) | 2.6641% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 2,421 |
| Loan loss allowance to noncurrent loans | 77.6618% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 2,025 |
| Noncurrent loans to loans | 2.3931% | 2,237 |
| Net loans and leases to total assets | 57.8319% | 4,007 |
| Net loans and leases to deposits | 65.1151% | 4,407 |
| Net loans and leases to core deposits | 68.0350% | 4,527 |
| Total domestic deposits to total assets | 88.8149% | 1,694 |
| Equity capital to assets | 9.8949% | 4,321 |
| Core capital (leverage) ratio | 9.5540% | 4,030 |
| Tier 1 risk-based capital ratio | 15.7251% | 3,303 |
| Total risk-based capital ratio | 16.9821% | 3,258 |
| Memoranda: | ||
| Average total assets | $138,965,400 | 3,969 |
| Average earning assets | $124,357,600 | 4,011 |
| Average equity | $13,417,000 | 4,270 |
| Average total loans | $88,521,600 | 3,786 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4060% | 829 |
| Cost of funding earning assets | 0.7865% | 3,061 |
| Net interest margin | 4.6196% | 787 |
| Noninterest income to average assets | 0.6727% | 2,866 |
| Noninterest expense to average assets | 4.6581% | 475 |
| Loan and lease loss provision to assets | 0.3607% | 1,798 |
| Net operating income to assets | -0.1298% | 6,434 |
| Return on assets (ROA) | -0.1298% | 6,519 |
| Pretax return on assets | -0.2156% | 6,550 |
| Return on Equity (ROE) | -1.3522% | 6,525 |
| Retained earnings to average equity (ytd only) | -1.3522% | 6,313 |
| Net charge-offs to loans | 0.8003% | 1,372 |
| Credit loss provision to net charge-offs | 69.4853% | 3,918 |
| Earnings coverage of net charge-offs (x) | 0.2794% | 5,189 |
| Efficiency ratio | 96.0667% | 673 |
| Assets per employee ($millions) | 2.7779% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 2,817 |
| Loan loss allowance to noncurrent loans | 80.0211% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 3.0363% | 1,717 |
| Noncurrent loans to loans | 2.2411% | 2,568 |
| Net loans and leases to total assets | 61.0694% | 3,560 |
| Net loans and leases to deposits | 68.7210% | 4,067 |
| Net loans and leases to core deposits | 71.7701% | 4,282 |
| Total domestic deposits to total assets | 88.8656% | 1,503 |
| Equity capital to assets | 9.8142% | 4,762 |
| Core capital (leverage) ratio | 9.4431% | 4,359 |
| Tier 1 risk-based capital ratio | 14.8876% | 3,928 |
| Total risk-based capital ratio | 16.1437% | 3,882 |
| Memoranda: | ||
| Average total assets | $139,739,750 | 3,994 |
| Average earning assets | $124,944,000 | 4,041 |
| Average equity | $13,410,250 | 4,314 |
| Average total loans | $90,636,250 | 3,771 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4332% | 817 |
| Cost of funding earning assets | 0.8310% | 2,938 |
| Net interest margin | 4.6022% | 824 |
| Noninterest income to average assets | 0.8017% | 2,169 |
| Noninterest expense to average assets | 4.4684% | 568 |
| Loan and lease loss provision to assets | 0.3661% | 1,796 |
| Net operating income to assets | 0.0738% | 6,220 |
| Return on assets (ROA) | 0.0738% | 6,358 |
| Pretax return on assets | 0.0851% | 6,348 |
| Return on Equity (ROE) | 0.7745% | 6,339 |
| Retained earnings to average equity (ytd only) | 0.7745% | 5,753 |
| Net charge-offs to loans | 0.6909% | 1,606 |
| Credit loss provision to net charge-offs | 80.6250% | 3,305 |
| Earnings coverage of net charge-offs (x) | 0.9938% | 4,534 |
| Efficiency ratio | 90.8278% | 1,014 |
| Assets per employee ($millions) | 2.7677% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 2,845 |
| Loan loss allowance to noncurrent loans | 87.9610% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 3.6406% | 1,445 |
| Noncurrent loans to loans | 2.0502% | 2,888 |
| Net loans and leases to total assets | 63.8239% | 3,072 |
| Net loans and leases to deposits | 71.6928% | 3,654 |
| Net loans and leases to core deposits | 74.9730% | 3,888 |
| Total domestic deposits to total assets | 89.0240% | 1,491 |
| Equity capital to assets | 9.7612% | 4,684 |
| Core capital (leverage) ratio | 9.3912% | 4,312 |
| Tier 1 risk-based capital ratio | 14.2698% | 4,257 |
| Total risk-based capital ratio | 15.5266% | 4,213 |
| Memoranda: | ||
| Average total assets | $140,946,670 | 3,990 |
| Average earning assets | $126,112,670 | 4,030 |
| Average equity | $13,427,330 | 4,312 |
| Average total loans | $92,633,330 | 3,740 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 1,057 |
| Cost of funding earning assets | 0.8407% | 3,142 |
| Net interest margin | 4.4797% | 1,053 |
| Noninterest income to average assets | 0.7706% | 2,299 |
| Noninterest expense to average assets | 4.3648% | 620 |
| Loan and lease loss provision to assets | 0.5428% | 1,089 |
| Net operating income to assets | -0.0647% | 6,496 |
| Return on assets (ROA) | -0.0647% | 6,589 |
| Pretax return on assets | -0.1209% | 6,611 |
| Return on Equity (ROE) | -0.6872% | 6,601 |
| Retained earnings to average equity (ytd only) | -0.6872% | 6,108 |
| Net charge-offs to loans | 0.9023% | 1,139 |
| Credit loss provision to net charge-offs | 91.0377% | 2,528 |
| Earnings coverage of net charge-offs (x) | 0.7075% | 3,986 |
| Efficiency ratio | 91.1868% | 1,000 |
| Assets per employee ($millions) | 2.8851% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 2,955 |
| Loan loss allowance to noncurrent loans | 78.6490% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 3.4378% | 1,676 |
| Noncurrent loans to loans | 2.3043% | 2,802 |
| Net loans and leases to total assets | 63.8089% | 2,887 |
| Net loans and leases to deposits | 71.1107% | 3,567 |
| Net loans and leases to core deposits | 74.2595% | 3,872 |
| Total domestic deposits to total assets | 89.7318% | 1,228 |
| Equity capital to assets | 9.4285% | 4,905 |
| Core capital (leverage) ratio | 9.1251% | 4,646 |
| Tier 1 risk-based capital ratio | 13.7992% | 4,613 |
| Total risk-based capital ratio | 15.0555% | 4,587 |
| Memoranda: | ||
| Average total assets | $142,228,000 | 3,998 |
| Average earning assets | $127,508,500 | 4,031 |
| Average equity | $13,387,000 | 4,330 |
| Average total loans | $93,978,000 | 3,737 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 1,406 |
| Cost of funding earning assets | 1.1523% | 2,340 |
| Net interest margin | 4.2524% | 1,871 |
| Noninterest income to average assets | 1.1719% | 955 |
| Noninterest expense to average assets | 4.3379% | 694 |
| Loan and lease loss provision to assets | 0.6150% | 1,681 |
| Net operating income to assets | 0.0513% | 5,962 |
| Return on assets (ROA) | 0.0513% | 6,069 |
| Pretax return on assets | 0.0649% | 6,026 |
| Return on Equity (ROE) | 0.5682% | 6,044 |
| Retained earnings to average equity (ytd only) | 0.5682% | 5,579 |
| Net charge-offs to loans | 0.4460% | 3,204 |
| Credit loss provision to net charge-offs | 201.3423% | 1,234 |
| Earnings coverage of net charge-offs (x) | 2.2260% | 4,115 |
| Efficiency ratio | 86.4497% | 1,502 |
| Assets per employee ($millions) | 3.1106% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 3,016 |
| Loan loss allowance to noncurrent loans | 108.9968% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 2.6739% | 2,276 |
| Noncurrent loans to loans | 1.6080% | 3,748 |
| Net loans and leases to total assets | 65.9745% | 2,788 |
| Net loans and leases to deposits | 73.5491% | 3,573 |
| Net loans and leases to core deposits | 76.7600% | 3,868 |
| Total domestic deposits to total assets | 89.7014% | 1,156 |
| Equity capital to assets | 9.3964% | 5,022 |
| Core capital (leverage) ratio | 9.0383% | 4,716 |
| Tier 1 risk-based capital ratio | 12.8398% | 5,207 |
| Total risk-based capital ratio | 14.0898% | 5,184 |
| Memoranda: | ||
| Average total assets | $146,338,800 | 3,865 |
| Average earning assets | $132,348,800 | 3,882 |
| Average equity | $13,199,400 | 4,302 |
| Average total loans | $100,229,200 | 3,614 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 1,417 |
| Cost of funding earning assets | 1.2303% | 2,121 |
| Net interest margin | 4.2070% | 2,070 |
| Noninterest income to average assets | 1.2015% | 913 |
| Noninterest expense to average assets | 4.4832% | 584 |
| Loan and lease loss provision to assets | 0.6025% | 1,636 |
| Net operating income to assets | -0.0426% | 6,210 |
| Return on assets (ROA) | -0.0426% | 6,307 |
| Pretax return on assets | -0.0734% | 6,309 |
| Return on Equity (ROE) | -0.4770% | 6,315 |
| Retained earnings to average equity (ytd only) | -0.4770% | 6,064 |
| Net charge-offs to loans | 0.3423% | 3,386 |
| Credit loss provision to net charge-offs | 255.7692% | 1,117 |
| Earnings coverage of net charge-offs (x) | 2.2461% | 4,005 |
| Efficiency ratio | 89.4432% | 1,205 |
| Assets per employee ($millions) | 2.9733% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,794 |
| Loan loss allowance to noncurrent loans | 64.7804% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.7293% | 2,379 |
| Noncurrent loans to loans | 2.4261% | 2,854 |
| Net loans and leases to total assets | 73.3627% | 1,439 |
| Net loans and leases to deposits | 82.0482% | 2,348 |
| Net loans and leases to core deposits | 85.7241% | 2,815 |
| Total domestic deposits to total assets | 89.4142% | 1,184 |
| Equity capital to assets | 9.5181% | 5,056 |
| Core capital (leverage) ratio | 9.1639% | 4,684 |
| Tier 1 risk-based capital ratio | 12.6612% | 5,357 |
| Total risk-based capital ratio | 13.9108% | 5,341 |
| Memoranda: | ||
| Average total assets | $147,151,750 | 3,865 |
| Average earning assets | $133,297,250 | 3,887 |
| Average equity | $13,138,000 | 4,318 |
| Average total loans | $101,265,250 | 3,619 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3703% | 1,650 |
| Cost of funding earning assets | 1.3533% | 1,632 |
| Net interest margin | 4.0171% | 2,761 |
| Noninterest income to average assets | 1.1148% | 1,045 |
| Noninterest expense to average assets | 4.4700% | 616 |
| Loan and lease loss provision to assets | 0.1016% | 5,039 |
| Net operating income to assets | 0.1230% | 5,954 |
| Return on assets (ROA) | 0.1230% | 6,045 |
| Pretax return on assets | 0.1818% | 5,967 |
| Return on Equity (ROE) | 1.4063% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.4063% | 5,286 |
| Net charge-offs to loans | 0.2672% | 3,547 |
| Credit loss provision to net charge-offs | 56.7164% | 4,421 |
| Earnings coverage of net charge-offs (x) | 1.5821% | 4,101 |
| Efficiency ratio | 94.0382% | 975 |
| Assets per employee ($millions) | 2.5499% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 5,786 |
| Loan loss allowance to noncurrent loans | 49.2857% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 2.5822% | 2,581 |
| Noncurrent loans to loans | 2.3185% | 3,074 |
| Net loans and leases to total assets | 69.8215% | 2,255 |
| Net loans and leases to deposits | 77.7077% | 3,178 |
| Net loans and leases to core deposits | 81.4512% | 3,590 |
| Total domestic deposits to total assets | 89.8515% | 1,048 |
| Equity capital to assets | 9.1137% | 5,410 |
| Core capital (leverage) ratio | 8.8866% | 4,903 |
| Tier 1 risk-based capital ratio | 12.8443% | 5,046 |
| Total risk-based capital ratio | 14.0146% | 5,089 |
| Memoranda: | ||
| Average total assets | $149,621,000 | 3,852 |
| Average earning assets | $135,522,330 | 3,871 |
| Average equity | $13,083,670 | 4,322 |
| Average total loans | $100,301,330 | 3,679 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 2,021 |
| Cost of funding earning assets | 1.3773% | 1,729 |
| Net interest margin | 3.8792% | 3,245 |
| Noninterest income to average assets | 1.2230% | 849 |
| Noninterest expense to average assets | 4.5598% | 563 |
| Loan and lease loss provision to assets | 0.0738% | 5,079 |
| Net operating income to assets | 0.0817% | 6,142 |
| Return on assets (ROA) | 0.0817% | 6,196 |
| Pretax return on assets | 0.1081% | 6,150 |
| Return on Equity (ROE) | 0.9537% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.9537% | 5,449 |
| Net charge-offs to loans | 0.1211% | 3,808 |
| Credit loss provision to net charge-offs | 93.3333% | 2,872 |
| Earnings coverage of net charge-offs (x) | 2.3000% | 3,160 |
| Efficiency ratio | 96.1645% | 913 |
| Assets per employee ($millions) | 2.4364% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 5,341 |
| Loan loss allowance to noncurrent loans | 45.5185% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 2.7614% | 2,502 |
| Noncurrent loans to loans | 2.7681% | 2,735 |
| Net loans and leases to total assets | 64.8037% | 3,285 |
| Net loans and leases to deposits | 71.7564% | 4,104 |
| Net loans and leases to core deposits | 75.8926% | 4,314 |
| Total domestic deposits to total assets | 90.3107% | 958 |
| Equity capital to assets | 8.7365% | 5,599 |
| Core capital (leverage) ratio | 8.6288% | 5,210 |
| Tier 1 risk-based capital ratio | 13.2007% | 4,668 |
| Total risk-based capital ratio | 14.4508% | 4,642 |
| Memoranda: | ||
| Average total assets | $151,760,500 | 3,852 |
| Average earning assets | $137,657,000 | 3,866 |
| Average equity | $13,002,500 | 4,338 |
| Average total loans | $99,125,500 | 3,747 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 1,043 |
| Cost of funding earning assets | 1.6991% | 1,602 |
| Net interest margin | 4.2010% | 2,183 |
| Noninterest income to average assets | 1.4978% | 647 |
| Noninterest expense to average assets | 4.6899% | 551 |
| Loan and lease loss provision to assets | 0.2343% | 4,936 |
| Net operating income to assets | 0.2246% | 5,202 |
| Return on assets (ROA) | 0.2246% | 5,353 |
| Pretax return on assets | 0.3235% | 5,168 |
| Return on Equity (ROE) | 2.7120% | 5,087 |
| Retained earnings to average equity (ytd only) | 2.7120% | 3,960 |
| Net charge-offs to loans | 0.1627% | 5,361 |
| Credit loss provision to net charge-offs | 211.7647% | 1,446 |
| Earnings coverage of net charge-offs (x) | 5.0412% | 2,723 |
| Efficiency ratio | 89.3699% | 1,373 |
| Assets per employee ($millions) | 2.3831% | 7,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,408 |
| Loan loss allowance to noncurrent loans | 35.7247% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 3.1323% | 2,258 |
| Noncurrent loans to loans | 3.4187% | 2,221 |
| Net loans and leases to total assets | 64.2221% | 3,831 |
| Net loans and leases to deposits | 70.8516% | 4,708 |
| Net loans and leases to core deposits | 75.0156% | 4,849 |
| Total domestic deposits to total assets | 90.6432% | 772 |
| Equity capital to assets | 8.4059% | 5,991 |
| Core capital (leverage) ratio | 8.2559% | 5,749 |
| Tier 1 risk-based capital ratio | 12.5954% | 4,942 |
| Total risk-based capital ratio | 13.8081% | 4,959 |
| Memoranda: | ||
| Average total assets | $153,628,600 | 3,815 |
| Average earning assets | $137,133,000 | 3,871 |
| Average equity | $12,721,200 | 4,422 |
| Average total loans | $104,492,000 | 3,667 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0010% | 935 |
| Cost of funding earning assets | 1.7626% | 1,575 |
| Net interest margin | 4.2384% | 2,072 |
| Noninterest income to average assets | 1.3245% | 778 |
| Noninterest expense to average assets | 4.7423% | 473 |
| Loan and lease loss provision to assets | 0.2653% | 4,458 |
| Net operating income to assets | 0.0652% | 5,854 |
| Return on assets (ROA) | 0.0652% | 5,993 |
| Pretax return on assets | 0.0852% | 5,939 |
| Return on Equity (ROE) | 0.7907% | 5,950 |
| Retained earnings to average equity (ytd only) | 0.7907% | 5,492 |
| Net charge-offs to loans | 0.1884% | 4,824 |
| Credit loss provision to net charge-offs | 204.6980% | 1,733 |
| Earnings coverage of net charge-offs (x) | 2.7047% | 3,794 |
| Efficiency ratio | 93.1182% | 1,051 |
| Assets per employee ($millions) | 2.3248% | 7,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 5,658 |
| Loan loss allowance to noncurrent loans | 311.4583% | 943 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 4,511 |
| Noncurrent loans to loans | 0.3728% | 6,448 |
| Net loans and leases to total assets | 65.3634% | 3,830 |
| Net loans and leases to deposits | 72.3683% | 4,781 |
| Net loans and leases to core deposits | 77.0550% | 4,911 |
| Total domestic deposits to total assets | 90.3206% | 710 |
| Equity capital to assets | 8.3081% | 6,495 |
| Core capital (leverage) ratio | 8.0582% | 6,261 |
| Tier 1 risk-based capital ratio | 11.9657% | 5,496 |
| Total risk-based capital ratio | 13.1101% | 5,559 |
| Memoranda: | ||
| Average total assets | $153,310,000 | 3,869 |
| Average earning assets | $136,307,000 | 3,939 |
| Average equity | $12,646,250 | 4,512 |
| Average total loans | $105,437,000 | 3,693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0940% | 765 |
| Cost of funding earning assets | 1.7829% | 1,707 |
| Net interest margin | 4.3110% | 1,731 |
| Noninterest income to average assets | 1.1043% | 1,084 |
| Noninterest expense to average assets | 4.7989% | 434 |
| Loan and lease loss provision to assets | 0.3187% | 3,831 |
| Net operating income to assets | -0.1062% | 6,241 |
| Return on assets (ROA) | -0.1062% | 6,314 |
| Pretax return on assets | -0.1889% | 6,327 |
| Return on Equity (ROE) | -1.2910% | 6,352 |
| Retained earnings to average equity (ytd only) | -1.2910% | 6,026 |
| Net charge-offs to loans | 0.2692% | 3,995 |
| Credit loss provision to net charge-offs | 169.9301% | 2,302 |
| Earnings coverage of net charge-offs (x) | 0.6923% | 5,053 |
| Efficiency ratio | 97.3656% | 903 |
| Assets per employee ($millions) | 2.1885% | 7,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 6,051 |
| Loan loss allowance to noncurrent loans | 362.5397% | 824 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 4,669 |
| Noncurrent loans to loans | 0.2971% | 6,634 |
| Net loans and leases to total assets | 66.5689% | 3,721 |
| Net loans and leases to deposits | 73.1926% | 4,809 |
| Net loans and leases to core deposits | 79.1841% | 4,783 |
| Total domestic deposits to total assets | 90.9503% | 504 |
| Equity capital to assets | 8.0876% | 6,665 |
| Core capital (leverage) ratio | 7.8594% | 6,429 |
| Tier 1 risk-based capital ratio | 11.7251% | 5,564 |
| Total risk-based capital ratio | 12.8099% | 5,680 |
| Memoranda: | ||
| Average total assets | $152,492,330 | 3,914 |
| Average earning assets | $135,281,670 | 3,995 |
| Average equity | $12,548,000 | 4,540 |
| Average total loans | $106,246,670 | 3,708 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0335% | 915 |
| Cost of funding earning assets | 1.8303% | 1,750 |
| Net interest margin | 4.2032% | 2,022 |
| Noninterest income to average assets | 0.2988% | 5,758 |
| Noninterest expense to average assets | 4.8202% | 422 |
| Loan and lease loss provision to assets | 0.3761% | 3,113 |
| Net operating income to assets | -0.7309% | 6,971 |
| Return on assets (ROA) | -0.7309% | 6,995 |
| Pretax return on assets | -1.1364% | 7,116 |
| Return on Equity (ROE) | -8.8032% | 7,088 |
| Retained earnings to average equity (ytd only) | -8.8032% | 6,882 |
| Net charge-offs to loans | 0.3084% | 3,182 |
| Credit loss provision to net charge-offs | 171.9512% | 2,107 |
| Earnings coverage of net charge-offs (x) | -3.4756% | 5,509 |
| Efficiency ratio | 118.7254% | 457 |
| Assets per employee ($millions) | 2.0016% | 7,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 6,272 |
| Loan loss allowance to noncurrent loans | 332.6284% | 919 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 4,691 |
| Noncurrent loans to loans | 0.3132% | 6,687 |
| Net loans and leases to total assets | 70.6022% | 2,782 |
| Net loans and leases to deposits | 78.0686% | 4,024 |
| Net loans and leases to core deposits | 83.9125% | 4,214 |
| Total domestic deposits to total assets | 90.4361% | 772 |
| Equity capital to assets | 8.3270% | 6,267 |
| Core capital (leverage) ratio | 8.2102% | 5,894 |
| Tier 1 risk-based capital ratio | 11.2927% | 5,864 |
| Total risk-based capital ratio | 12.3165% | 6,068 |
| Memoranda: | ||
| Average total assets | $149,951,000 | 4,005 |
| Average earning assets | $134,184,500 | 4,071 |
| Average equity | $12,450,000 | 4,603 |
| Average total loans | $106,351,000 | 3,768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0519% | 261 |
| Cost of funding earning assets | 2.3618% | 1,417 |
| Net interest margin | 4.6901% | 849 |
| Noninterest income to average assets | 1.7531% | 479 |
| Noninterest expense to average assets | 5.0612% | 494 |
| Loan and lease loss provision to assets | 0.2377% | 5,473 |
| Net operating income to assets | 0.3988% | 4,132 |
| Return on assets (ROA) | 0.3988% | 4,233 |
| Pretax return on assets | 0.6488% | 3,743 |
| Return on Equity (ROE) | 4.8712% | 3,723 |
| Retained earnings to average equity (ytd only) | 3.5366% | 2,700 |
| Net charge-offs to loans | 0.1325% | 5,873 |
| Credit loss provision to net charge-offs | 236.7347% | 1,533 |
| Earnings coverage of net charge-offs (x) | 8.8299% | 1,884 |
| Efficiency ratio | 85.0959% | 2,211 |
| Assets per employee ($millions) | 1.8069% | 7,821 |
| Cash dividends to net income (ytd only)* | 27.3973% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 6,522 |
| Loan loss allowance to noncurrent loans | 64.2196% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 4,042 |
| Noncurrent loans to loans | 1.5146% | 4,388 |
| Net loans and leases to total assets | 69.8265% | 3,296 |
| Net loans and leases to deposits | 77.2794% | 4,507 |
| Net loans and leases to core deposits | 104.8112% | 3,471 |
| Total domestic deposits to total assets | 90.3559% | 804 |
| Equity capital to assets | 8.2790% | 6,222 |
| Core capital (leverage) ratio | 8.1828% | 5,846 |
| Tier 1 risk-based capital ratio | 11.6969% | 5,201 |
| Total risk-based capital ratio | 12.6783% | 5,436 |
| Memoranda: | ||
| Average total assets | $146,427,800 | 4,006 |
| Average earning assets | $130,957,000 | 4,066 |
| Average equity | $11,988,800 | 4,754 |
| Average total loans | $110,975,400 | 3,670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2500% | 211 |
| Cost of funding earning assets | 2.4646% | 1,397 |
| Net interest margin | 4.7854% | 708 |
| Noninterest income to average assets | 1.5016% | 655 |
| Noninterest expense to average assets | 5.0763% | 461 |
| Loan and lease loss provision to assets | 0.2031% | 5,366 |
| Net operating income to assets | 0.3152% | 4,739 |
| Return on assets (ROA) | 0.3152% | 4,846 |
| Pretax return on assets | 0.5027% | 4,514 |
| Return on Equity (ROE) | 3.8610% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.9605% | 3,673 |
| Net charge-offs to loans | 0.1048% | 5,626 |
| Credit loss provision to net charge-offs | 251.1364% | 1,709 |
| Earnings coverage of net charge-offs (x) | 8.7273% | 2,207 |
| Efficiency ratio | 87.7940% | 1,894 |
| Assets per employee ($millions) | 1.7825% | 7,907 |
| Cash dividends to net income (ytd only)* | 23.3228% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 6,831 |
| Loan loss allowance to noncurrent loans | 378.5992% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,851 |
| Noncurrent loans to loans | 0.2336% | 6,916 |
| Net loans and leases to total assets | 71.9818% | 3,044 |
| Net loans and leases to deposits | 80.6688% | 4,259 |
| Net loans and leases to core deposits | 112.7735% | 2,952 |
| Total domestic deposits to total assets | 89.2312% | 1,093 |
| Equity capital to assets | 8.2680% | 6,540 |
| Core capital (leverage) ratio | 8.1004% | 6,181 |
| Tier 1 risk-based capital ratio | 11.3659% | 5,573 |
| Total risk-based capital ratio | 12.2690% | 5,898 |
| Memoranda: | ||
| Average total assets | $145,089,250 | 4,057 |
| Average earning assets | $129,781,000 | 4,107 |
| Average equity | $11,844,500 | 4,836 |
| Average total loans | $111,963,000 | 3,689 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4358% | 170 |
| Cost of funding earning assets | 2.5054% | 1,595 |
| Net interest margin | 4.9304% | 506 |
| Noninterest income to average assets | 1.4355% | 731 |
| Noninterest expense to average assets | 5.1641% | 461 |
| Loan and lease loss provision to assets | 0.2211% | 4,823 |
| Net operating income to assets | 0.2868% | 4,960 |
| Return on assets (ROA) | 0.2868% | 5,059 |
| Pretax return on assets | 0.4337% | 4,840 |
| Return on Equity (ROE) | 3.5293% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.5293% | 3,342 |
| Net charge-offs to loans | 0.0675% | 5,559 |
| Credit loss provision to net charge-offs | 415.7895% | 1,116 |
| Earnings coverage of net charge-offs (x) | 12.3158% | 1,829 |
| Efficiency ratio | 88.7473% | 1,932 |
| Assets per employee ($millions) | 1.8821% | 7,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 6,965 |
| Loan loss allowance to noncurrent loans | 359.5506% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 6,065 |
| Noncurrent loans to loans | 0.2375% | 6,921 |
| Net loans and leases to total assets | 74.0290% | 2,690 |
| Net loans and leases to deposits | 83.0235% | 4,040 |
| Net loans and leases to core deposits | 116.9305% | 2,632 |
| Total domestic deposits to total assets | 89.1664% | 1,186 |
| Equity capital to assets | 8.2713% | 6,381 |
| Core capital (leverage) ratio | 8.1080% | 6,153 |
| Tier 1 risk-based capital ratio | 11.3892% | 5,507 |
| Total risk-based capital ratio | 12.2867% | 5,760 |
| Memoranda: | ||
| Average total assets | $142,948,330 | 4,115 |
| Average earning assets | $127,088,000 | 4,199 |
| Average equity | $11,617,000 | 4,913 |
| Average total loans | $112,606,000 | 3,709 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7530% | 122 |
| Cost of funding earning assets | 2.5683% | 1,665 |
| Net interest margin | 5.1846% | 287 |
| Noninterest income to average assets | 1.1729% | 1,063 |
| Noninterest expense to average assets | 5.2983% | 399 |
| Loan and lease loss provision to assets | 0.3737% | 3,084 |
| Net operating income to assets | 0.1179% | 5,930 |
| Return on assets (ROA) | 0.1179% | 6,092 |
| Pretax return on assets | 0.1610% | 6,027 |
| Return on Equity (ROE) | 1.4645% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.4645% | 5,031 |
| Net charge-offs to loans | 0.1100% | 4,090 |
| Credit loss provision to net charge-offs | 419.3548% | 1,259 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,567 |
| Efficiency ratio | 90.8329% | 1,662 |
| Assets per employee ($millions) | 1.8746% | 7,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 7,048 |
| Loan loss allowance to noncurrent loans | 194.0083% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9616% | 4,793 |
| Noncurrent loans to loans | 0.4273% | 6,352 |
| Net loans and leases to total assets | 79.8915% | 1,410 |
| Net loans and leases to deposits | 92.5438% | 2,506 |
| Net loans and leases to core deposits | 126.0860% | 1,913 |
| Total domestic deposits to total assets | 86.3283% | 2,534 |
| Equity capital to assets | 8.7342% | 5,715 |
| Core capital (leverage) ratio | 8.5621% | 5,407 |
| Tier 1 risk-based capital ratio | 11.0754% | 5,831 |
| Total risk-based capital ratio | 11.9412% | 6,107 |
| Memoranda: | ||
| Average total assets | $139,138,500 | 4,205 |
| Average earning assets | $125,062,000 | 4,267 |
| Average equity | $11,198,500 | 5,056 |
| Average total loans | $112,697,000 | 3,725 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6945% | 282 |
| Cost of funding earning assets | 3.2779% | 983 |
| Net interest margin | 4.4165% | 1,636 |
| Noninterest income to average assets | 0.6441% | 3,516 |
| Noninterest expense to average assets | 4.0853% | 1,301 |
| Loan and lease loss provision to assets | 0.2189% | 4,699 |
| Net operating income to assets | 0.2417% | 5,727 |
| Return on assets (ROA) | 0.2417% | 5,547 |
| Pretax return on assets | 0.3570% | 5,367 |
| Return on Equity (ROE) | 3.0758% | 5,209 |
| Retained earnings to average equity (ytd only) | -0.1198% | 5,311 |
| Net charge-offs to loans | 0.0770% | 5,659 |
| Credit loss provision to net charge-offs | 353.1646% | 1,273 |
| Earnings coverage of net charge-offs (x) | 9.2911% | 2,714 |
| Efficiency ratio | 87.6452% | 1,707 |
| Assets per employee ($millions) | 2.0247% | 7,901 |
| Cash dividends to net income (ytd only)* | 103.8961% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 7,293 |
| Loan loss allowance to noncurrent loans | 83.0693% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3640% | 3,472 |
| Noncurrent loans to loans | 0.9007% | 4,823 |
| Net loans and leases to total assets | 80.8331% | 1,485 |
| Net loans and leases to deposits | 97.7266% | 2,166 |
| Net loans and leases to core deposits | 134.8230% | 1,546 |
| Total domestic deposits to total assets | 82.7135% | 3,889 |
| Equity capital to assets | 7.3482% | 7,513 |
| Core capital (leverage) ratio | 7.1778% | 7,544 |
| Tier 1 risk-based capital ratio | 9.0176% | 7,768 |
| Total risk-based capital ratio | 9.7848% | 8,042 |
| Memoranda: | ||
| Average total assets | $127,457,000 | 4,336 |
| Average earning assets | $115,927,600 | 4,365 |
| Average equity | $10,013,600 | 5,407 |
| Average total loans | $102,612,400 | 3,882 |