Home > Farmers Savings Bank > Performance and Condition Ratios
Farmers Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 3,374 |
| Cost of funding earning assets | 1.7433% | 1,370 |
| Net interest margin | 2.5971% | 3,966 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.8762% | 3,883 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5892% | 3,460 |
| Return on assets (ROA) | 0.5892% | 3,457 |
| Pretax return on assets | 0.7650% | 3,300 |
| Return on Equity (ROE) | 5.4000% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.3978% | 2,449 |
| Net charge-offs to loans | -0.0227% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.6055% | 1,928 |
| Assets per employee ($millions) | 9.9326% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,074 |
| Loan loss allowance to noncurrent loans | 1,257.7640% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 2,967 |
| Noncurrent loans to loans | 0.1188% | 2,928 |
| Net loans and leases to total assets | 70.7600% | 1,728 |
| Net loans and leases to deposits | 87.3857% | 1,492 |
| Net loans and leases to core deposits | 97.0606% | 1,590 |
| Total domestic deposits to total assets | 80.9700% | 3,312 |
| Equity capital to assets | 11.3205% | 1,365 |
| Core capital (leverage) ratio | 12.7236% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $184,308,000 | 3,094 |
| Average earning assets | $177,426,400 | 3,032 |
| Average equity | $20,119,400 | 2,844 |
| Average total loans | $127,997,200 | 2,873 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 3,402 |
| Cost of funding earning assets | 1.5372% | 1,514 |
| Net interest margin | 2.7017% | 3,877 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.9082% | 3,788 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.6332% | 3,462 |
| Return on assets (ROA) | 0.6332% | 3,454 |
| Pretax return on assets | 0.8377% | 3,249 |
| Return on Equity (ROE) | 5.8600% | 3,668 |
| Retained earnings to average equity (ytd only) | 5.8560% | 2,672 |
| Net charge-offs to loans | -0.0285% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6995% | 2,046 |
| Assets per employee ($millions) | 9.3385% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,070 |
| Loan loss allowance to noncurrent loans | 1,087.6344% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 2,911 |
| Noncurrent loans to loans | 0.1395% | 2,856 |
| Net loans and leases to total assets | 70.3200% | 1,788 |
| Net loans and leases to deposits | 88.4395% | 1,347 |
| Net loans and leases to core deposits | 98.9752% | 1,383 |
| Total domestic deposits to total assets | 79.5200% | 3,600 |
| Equity capital to assets | 10.4423% | 1,581 |
| Core capital (leverage) ratio | 12.5796% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,205,250 | 3,108 |
| Average earning assets | $176,331,750 | 3,044 |
| Average equity | $19,808,250 | 2,864 |
| Average total loans | $126,106,500 | 2,891 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 3,549 |
| Cost of funding earning assets | 1.2846% | 1,754 |
| Net interest margin | 2.7859% | 3,842 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.9086% | 3,802 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.6494% | 3,461 |
| Return on assets (ROA) | 0.6494% | 3,468 |
| Pretax return on assets | 0.8670% | 3,244 |
| Return on Equity (ROE) | 5.9400% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.9367% | 2,648 |
| Net charge-offs to loans | -0.0049% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.4301% | 2,058 |
| Assets per employee ($millions) | 9.7823% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,072 |
| Loan loss allowance to noncurrent loans | 7,796.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,707 |
| Noncurrent loans to loans | 0.0197% | 3,619 |
| Net loans and leases to total assets | 67.1600% | 2,045 |
| Net loans and leases to deposits | 82.0045% | 1,825 |
| Net loans and leases to core deposits | 91.1050% | 1,731 |
| Total domestic deposits to total assets | 81.9000% | 3,251 |
| Equity capital to assets | 10.9166% | 1,422 |
| Core capital (leverage) ratio | 12.9295% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,017,000 | 3,123 |
| Average earning assets | $175,311,000 | 3,063 |
| Average equity | $19,910,000 | 2,876 |
| Average total loans | $123,686,000 | 2,911 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9616% | 3,526 |
| Cost of funding earning assets | 1.1128% | 1,720 |
| Net interest margin | 2.8488% | 3,867 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.8857% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7352% | 3,384 |
| Return on assets (ROA) | 0.7352% | 3,342 |
| Pretax return on assets | 0.9928% | 3,017 |
| Return on Equity (ROE) | 6.7100% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.7140% | 2,581 |
| Net charge-offs to loans | -0.0033% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.5093% | 2,268 |
| Assets per employee ($millions) | 9.4175% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 1,100 |
| Loan loss allowance to noncurrent loans | 4,626.8293% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,565 |
| Noncurrent loans to loans | 0.0336% | 3,513 |
| Net loans and leases to total assets | 67.0800% | 1,939 |
| Net loans and leases to deposits | 82.2914% | 1,628 |
| Net loans and leases to core deposits | 88.8932% | 1,682 |
| Total domestic deposits to total assets | 81.5200% | 3,555 |
| Equity capital to assets | 11.2634% | 1,242 |
| Core capital (leverage) ratio | 12.8813% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $180,093,500 | 3,176 |
| Average earning assets | $173,263,000 | 3,118 |
| Average equity | $19,720,000 | 2,916 |
| Average total loans | $122,138,000 | 2,952 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 3,135 |
| Cost of funding earning assets | 0.4656% | 1,611 |
| Net interest margin | 3.0133% | 3,416 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.8875% | 3,854 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.8576% | 3,122 |
| Return on assets (ROA) | 0.8576% | 3,054 |
| Pretax return on assets | 1.0541% | 2,904 |
| Return on Equity (ROE) | 7.6100% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.6094% | 1,984 |
| Net charge-offs to loans | 0.0153% | 1,819 |
| Credit loss provision to net charge-offs | 1,323.5294% | 354 |
| Earnings coverage of net charge-offs (x) | 120.5294% | 883 |
| Efficiency ratio | 61.4487% | 2,848 |
| Assets per employee ($millions) | 9.5397% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,080 |
| Loan loss allowance to noncurrent loans | 13,542.8571% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 2,002 |
| Noncurrent loans to loans | 0.0114% | 3,757 |
| Net loans and leases to total assets | 66.4500% | 1,988 |
| Net loans and leases to deposits | 83.7077% | 1,488 |
| Net loans and leases to core deposits | 87.7484% | 1,626 |
| Total domestic deposits to total assets | 79.3900% | 3,956 |
| Equity capital to assets | 10.6403% | 1,395 |
| Core capital (leverage) ratio | 13.0016% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $173,035,000 | 3,249 |
| Average earning assets | $166,892,600 | 3,187 |
| Average equity | $19,502,200 | 2,996 |
| Average total loans | $111,228,000 | 3,014 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 3,043 |
| Cost of funding earning assets | 0.4069% | 1,243 |
| Net interest margin | 2.9452% | 3,372 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.8879% | 3,773 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.7104% | 3,537 |
| Return on assets (ROA) | 0.7104% | 3,492 |
| Pretax return on assets | 0.9584% | 3,147 |
| Return on Equity (ROE) | 6.2100% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.2110% | 2,672 |
| Net charge-offs to loans | 0.0135% | 1,618 |
| Credit loss provision to net charge-offs | 2,045.4545% | 248 |
| Earnings coverage of net charge-offs (x) | 132.1818% | 798 |
| Efficiency ratio | 62.4774% | 2,768 |
| Assets per employee ($millions) | 9.0715% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 934 |
| Loan loss allowance to noncurrent loans | 332.5175% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 946 |
| Noncurrent loans to loans | 0.5001% | 1,548 |
| Net loans and leases to total assets | 65.2500% | 1,956 |
| Net loans and leases to deposits | 82.6149% | 1,392 |
| Net loans and leases to core deposits | 85.6304% | 1,542 |
| Total domestic deposits to total assets | 78.9800% | 4,180 |
| Equity capital to assets | 10.2756% | 1,476 |
| Core capital (leverage) ratio | 12.9311% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $170,980,250 | 3,289 |
| Average earning assets | $165,147,250 | 3,225 |
| Average equity | $19,556,250 | 3,034 |
| Average total loans | $108,449,250 | 3,056 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2150% | 2,995 |
| Cost of funding earning assets | 0.3670% | 1,130 |
| Net interest margin | 2.8479% | 3,297 |
| Noninterest income to average assets | 0.1525% | 4,247 |
| Noninterest expense to average assets | 1.9071% | 3,684 |
| Loan and lease loss provision to assets | 0.1759% | 501 |
| Net operating income to assets | 0.5735% | 3,697 |
| Return on assets (ROA) | 0.5735% | 3,646 |
| Pretax return on assets | 0.8269% | 3,261 |
| Return on Equity (ROE) | 4.8485% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.8485% | 2,768 |
| Net charge-offs to loans | 0.0169% | 1,407 |
| Credit loss provision to net charge-offs | 1,666.6667% | 276 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 842 |
| Efficiency ratio | 65.5381% | 2,572 |
| Assets per employee ($millions) | 9.0317% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 971 |
| Loan loss allowance to noncurrent loans | 340.5959% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 1,042 |
| Noncurrent loans to loans | 0.4970% | 1,630 |
| Net loans and leases to total assets | 61.9025% | 2,134 |
| Net loans and leases to deposits | 74.4672% | 1,810 |
| Net loans and leases to core deposits | 76.5400% | 1,970 |
| Total domestic deposits to total assets | 83.1272% | 3,856 |
| Equity capital to assets | 10.9999% | 1,211 |
| Core capital (leverage) ratio | 12.7123% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,520,667 | 3,332 |
| Average earning assets | $165,102,667 | 3,271 |
| Average equity | $20,171,333 | 3,051 |
| Average total loans | $106,476,000 | 3,108 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1692% | 2,781 |
| Cost of funding earning assets | 0.3677% | 1,073 |
| Net interest margin | 2.8015% | 3,138 |
| Noninterest income to average assets | 0.1341% | 4,342 |
| Noninterest expense to average assets | 1.8426% | 3,829 |
| Loan and lease loss provision to assets | 0.1765% | 432 |
| Net operating income to assets | 0.5718% | 3,491 |
| Return on assets (ROA) | 0.5718% | 3,468 |
| Pretax return on assets | 0.8401% | 2,974 |
| Return on Equity (ROE) | 4.6688% | 3,708 |
| Retained earnings to average equity (ytd only) | 4.6688% | 2,717 |
| Net charge-offs to loans | 0.0568% | 738 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,150 |
| Efficiency ratio | 64.4444% | 2,974 |
| Assets per employee ($millions) | 8.9915% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 1,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,242 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.7865% | 1,982 |
| Net loans and leases to deposits | 73.8305% | 1,621 |
| Net loans and leases to core deposits | 76.2678% | 1,766 |
| Total domestic deposits to total assets | 82.3325% | 4,037 |
| Equity capital to assets | 11.6039% | 1,090 |
| Core capital (leverage) ratio | 12.6067% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,980,000 | 3,345 |
| Average earning assets | $165,340,000 | 3,274 |
| Average equity | $20,819,000 | 3,072 |
| Average total loans | $105,686,500 | 3,114 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6126% | 2,349 |
| Cost of funding earning assets | 0.5176% | 863 |
| Net interest margin | 3.0950% | 2,916 |
| Noninterest income to average assets | 0.1576% | 4,360 |
| Noninterest expense to average assets | 1.9359% | 3,847 |
| Loan and lease loss provision to assets | 0.1876% | 597 |
| Net operating income to assets | 0.8210% | 3,270 |
| Return on assets (ROA) | 0.8210% | 3,342 |
| Pretax return on assets | 1.0330% | 3,174 |
| Return on Equity (ROE) | 6.1654% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.1654% | 2,287 |
| Net charge-offs to loans | 0.0249% | 1,747 |
| Credit loss provision to net charge-offs | 1,200.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 78.0800% | 1,013 |
| Efficiency ratio | 61.3312% | 2,962 |
| Assets per employee ($millions) | 9.3956% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 1,270 |
| Loan loss allowance to noncurrent loans | 146.0208% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 490 |
| Noncurrent loans to loans | 1.0929% | 885 |
| Net loans and leases to total assets | 61.5476% | 1,992 |
| Net loans and leases to deposits | 76.3851% | 1,536 |
| Net loans and leases to core deposits | 78.6868% | 1,710 |
| Total domestic deposits to total assets | 80.5754% | 4,157 |
| Equity capital to assets | 12.8985% | 931 |
| Core capital (leverage) ratio | 12.8113% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,923,600 | 3,391 |
| Average earning assets | $154,957,200 | 3,327 |
| Average equity | $21,296,200 | 3,113 |
| Average total loans | $100,260,200 | 3,194 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 2,104 |
| Cost of funding earning assets | 0.5573% | 798 |
| Net interest margin | 3.2089% | 2,704 |
| Noninterest income to average assets | 0.1649% | 4,377 |
| Noninterest expense to average assets | 1.9303% | 3,867 |
| Loan and lease loss provision to assets | 0.1903% | 554 |
| Net operating income to assets | 0.8915% | 3,269 |
| Return on assets (ROA) | 0.8915% | 3,345 |
| Pretax return on assets | 1.1470% | 3,085 |
| Return on Equity (ROE) | 6.6392% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.6392% | 2,564 |
| Net charge-offs to loans | 0.0351% | 1,374 |
| Credit loss provision to net charge-offs | 865.3846% | 556 |
| Earnings coverage of net charge-offs (x) | 60.8077% | 1,131 |
| Efficiency ratio | 59.0733% | 3,115 |
| Assets per employee ($millions) | 9.2281% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 1,252 |
| Loan loss allowance to noncurrent loans | 76.4706% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 273 |
| Noncurrent loans to loans | 2.1383% | 393 |
| Net loans and leases to total assets | 58.3796% | 2,439 |
| Net loans and leases to deposits | 73.0387% | 1,955 |
| Net loans and leases to core deposits | 75.7848% | 2,070 |
| Total domestic deposits to total assets | 79.9297% | 4,236 |
| Equity capital to assets | 13.0916% | 958 |
| Core capital (leverage) ratio | 12.9876% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,624,250 | 3,451 |
| Average earning assets | $152,406,000 | 3,385 |
| Average equity | $21,166,750 | 3,154 |
| Average total loans | $98,880,750 | 3,260 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 3,393 |
| Cost of funding earning assets | 0.6190% | 674 |
| Net interest margin | 2.6926% | 3,995 |
| Noninterest income to average assets | 0.1292% | 4,558 |
| Noninterest expense to average assets | 1.8657% | 4,045 |
| Loan and lease loss provision to assets | 0.1938% | 576 |
| Net operating income to assets | 0.4419% | 4,315 |
| Return on assets (ROA) | 0.4419% | 4,357 |
| Pretax return on assets | 0.6718% | 4,121 |
| Return on Equity (ROE) | 3.2612% | 4,437 |
| Retained earnings to average equity (ytd only) | 3.2612% | 3,759 |
| Net charge-offs to loans | 0.0384% | 1,249 |
| Credit loss provision to net charge-offs | 789.4737% | 543 |
| Earnings coverage of net charge-offs (x) | 35.2632% | 1,232 |
| Efficiency ratio | 68.3065% | 1,841 |
| Assets per employee ($millions) | 9.1862% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 1,327 |
| Loan loss allowance to noncurrent loans | 93.8602% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3934% | 439 |
| Noncurrent loans to loans | 1.6838% | 630 |
| Net loans and leases to total assets | 58.1514% | 2,648 |
| Net loans and leases to deposits | 73.0398% | 2,107 |
| Net loans and leases to core deposits | 76.1562% | 2,225 |
| Total domestic deposits to total assets | 79.6161% | 4,281 |
| Equity capital to assets | 12.7910% | 1,019 |
| Core capital (leverage) ratio | 12.6567% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,797,000 | 3,481 |
| Average earning assets | $149,596,667 | 3,423 |
| Average equity | $20,973,667 | 3,164 |
| Average total loans | $98,979,667 | 3,267 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4058% | 3,176 |
| Cost of funding earning assets | 0.6280% | 765 |
| Net interest margin | 2.7778% | 3,815 |
| Noninterest income to average assets | 0.1231% | 4,579 |
| Noninterest expense to average assets | 2.0519% | 3,558 |
| Loan and lease loss provision to assets | 0.2006% | 605 |
| Net operating income to assets | 0.3050% | 4,510 |
| Return on assets (ROA) | 0.3050% | 4,545 |
| Pretax return on assets | 0.5564% | 4,261 |
| Return on Equity (ROE) | 2.1833% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.1833% | 3,970 |
| Net charge-offs to loans | -0.0040% | 3,312 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0476% | 1,400 |
| Assets per employee ($millions) | 9.0116% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,476 |
| Loan loss allowance to noncurrent loans | 414.7632% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 1,421 |
| Noncurrent loans to loans | 0.3704% | 2,760 |
| Net loans and leases to total assets | 62.2874% | 2,257 |
| Net loans and leases to deposits | 79.6346% | 1,555 |
| Net loans and leases to core deposits | 83.5636% | 1,713 |
| Total domestic deposits to total assets | 78.2164% | 4,415 |
| Equity capital to assets | 13.5191% | 781 |
| Core capital (leverage) ratio | 13.6146% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,520,000 | 3,538 |
| Average earning assets | $144,575,000 | 3,467 |
| Average equity | $20,885,500 | 3,163 |
| Average total loans | $99,620,500 | 3,266 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 1,909 |
| Cost of funding earning assets | 0.8887% | 885 |
| Net interest margin | 3.3972% | 2,787 |
| Noninterest income to average assets | -0.0521% | 4,977 |
| Noninterest expense to average assets | 1.8462% | 4,397 |
| Loan and lease loss provision to assets | 0.3209% | 1,146 |
| Net operating income to assets | 0.8436% | 2,923 |
| Return on assets (ROA) | 0.8436% | 3,058 |
| Pretax return on assets | 1.0518% | 2,873 |
| Return on Equity (ROE) | 5.8845% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.8845% | 1,850 |
| Net charge-offs to loans | 0.3403% | 512 |
| Credit loss provision to net charge-offs | 125.3482% | 2,591 |
| Earnings coverage of net charge-offs (x) | 5.3621% | 2,872 |
| Efficiency ratio | 57.3549% | 3,807 |
| Assets per employee ($millions) | 8.5789% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 2,051 |
| Loan loss allowance to noncurrent loans | 387.1233% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 1,485 |
| Noncurrent loans to loans | 0.3567% | 2,921 |
| Net loans and leases to total assets | 69.1954% | 1,660 |
| Net loans and leases to deposits | 89.8013% | 940 |
| Net loans and leases to core deposits | 94.4836% | 1,212 |
| Total domestic deposits to total assets | 77.0539% | 4,405 |
| Equity capital to assets | 14.4403% | 692 |
| Core capital (leverage) ratio | 13.8545% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,234,600 | 3,509 |
| Average earning assets | $135,023,200 | 3,445 |
| Average equity | $20,103,600 | 3,182 |
| Average total loans | $105,495,000 | 3,159 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,131 |
| Cost of funding earning assets | 0.9279% | 968 |
| Net interest margin | 3.3613% | 3,019 |
| Noninterest income to average assets | -0.1287% | 5,012 |
| Noninterest expense to average assets | 1.8305% | 4,440 |
| Loan and lease loss provision to assets | 0.3364% | 1,149 |
| Net operating income to assets | 0.6742% | 3,547 |
| Return on assets (ROA) | 0.6742% | 3,659 |
| Pretax return on assets | 0.9402% | 3,265 |
| Return on Equity (ROE) | 4.7118% | 3,967 |
| Retained earnings to average equity (ytd only) | 4.7118% | 2,688 |
| Net charge-offs to loans | 0.4491% | 348 |
| Credit loss provision to net charge-offs | 97.7654% | 2,650 |
| Earnings coverage of net charge-offs (x) | 3.7123% | 2,889 |
| Efficiency ratio | 58.9181% | 3,531 |
| Assets per employee ($millions) | 8.4867% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,528 |
| Loan loss allowance to noncurrent loans | 75.6912% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6600% | 483 |
| Noncurrent loans to loans | 1.6193% | 869 |
| Net loans and leases to total assets | 73.3958% | 1,444 |
| Net loans and leases to deposits | 94.9193% | 852 |
| Net loans and leases to core deposits | 100.1333% | 1,156 |
| Total domestic deposits to total assets | 77.3244% | 4,284 |
| Equity capital to assets | 14.2583% | 795 |
| Core capital (leverage) ratio | 14.0844% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,832,750 | 3,517 |
| Average earning assets | $133,635,750 | 3,451 |
| Average equity | $19,864,500 | 3,195 |
| Average total loans | $106,286,500 | 3,150 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 2,167 |
| Cost of funding earning assets | 0.9964% | 995 |
| Net interest margin | 3.4193% | 3,038 |
| Noninterest income to average assets | 0.1693% | 4,446 |
| Noninterest expense to average assets | 2.1428% | 3,944 |
| Loan and lease loss provision to assets | 0.5109% | 685 |
| Net operating income to assets | 0.5488% | 3,888 |
| Return on assets (ROA) | 0.5488% | 3,971 |
| Pretax return on assets | 0.8116% | 3,551 |
| Return on Equity (ROE) | 3.8311% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.8311% | 2,997 |
| Net charge-offs to loans | 0.6397% | 250 |
| Credit loss provision to net charge-offs | 103.2448% | 2,374 |
| Earnings coverage of net charge-offs (x) | 2.6726% | 2,747 |
| Efficiency ratio | 61.8366% | 3,152 |
| Assets per employee ($millions) | 8.2052% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,395 |
| Loan loss allowance to noncurrent loans | 79.8682% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.8224% | 426 |
| Noncurrent loans to loans | 1.5305% | 985 |
| Net loans and leases to total assets | 77.2240% | 961 |
| Net loans and leases to deposits | 100.6682% | 513 |
| Net loans and leases to core deposits | 106.8683% | 853 |
| Total domestic deposits to total assets | 76.7114% | 4,355 |
| Equity capital to assets | 14.4592% | 744 |
| Core capital (leverage) ratio | 13.9041% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,019,000 | 3,518 |
| Average earning assets | $132,072,000 | 3,447 |
| Average equity | $19,629,000 | 3,212 |
| Average total loans | $105,980,333 | 3,149 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 2,277 |
| Cost of funding earning assets | 1.0696% | 1,144 |
| Net interest margin | 3.4443% | 3,167 |
| Noninterest income to average assets | 0.2121% | 4,278 |
| Noninterest expense to average assets | 2.2271% | 3,938 |
| Loan and lease loss provision to assets | 0.2209% | 1,399 |
| Net operating income to assets | 0.8396% | 2,752 |
| Return on assets (ROA) | 0.8396% | 2,841 |
| Pretax return on assets | 1.0841% | 2,576 |
| Return on Equity (ROE) | 5.8887% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.8887% | 1,921 |
| Net charge-offs to loans | 0.3485% | 409 |
| Credit loss provision to net charge-offs | 82.4176% | 1,927 |
| Earnings coverage of net charge-offs (x) | 4.8681% | 2,106 |
| Efficiency ratio | 63.0525% | 3,363 |
| Assets per employee ($millions) | 7.9145% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,483 |
| Loan loss allowance to noncurrent loans | 33.4272% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 3.2554% | 165 |
| Noncurrent loans to loans | 3.6935% | 239 |
| Net loans and leases to total assets | 77.6500% | 1,034 |
| Net loans and leases to deposits | 100.4258% | 529 |
| Net loans and leases to core deposits | 107.3278% | 974 |
| Total domestic deposits to total assets | 77.3208% | 4,316 |
| Equity capital to assets | 14.3839% | 930 |
| Core capital (leverage) ratio | 14.4180% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,784,000 | 3,505 |
| Average earning assets | $130,884,000 | 3,436 |
| Average equity | $19,359,000 | 3,228 |
| Average total loans | $104,444,500 | 3,163 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 2,507 |
| Cost of funding earning assets | 1.2179% | 986 |
| Net interest margin | 3.4178% | 3,690 |
| Noninterest income to average assets | 0.1460% | 4,752 |
| Noninterest expense to average assets | 2.0629% | 4,419 |
| Loan and lease loss provision to assets | 0.1146% | 1,841 |
| Net operating income to assets | 0.9754% | 2,926 |
| Return on assets (ROA) | 0.9760% | 3,007 |
| Pretax return on assets | 1.2703% | 2,609 |
| Return on Equity (ROE) | 6.8277% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.8277% | 1,467 |
| Net charge-offs to loans | 0.0909% | 1,823 |
| Credit loss provision to net charge-offs | 161.2903% | 1,599 |
| Earnings coverage of net charge-offs (x) | 19.4731% | 1,995 |
| Efficiency ratio | 59.8448% | 3,721 |
| Assets per employee ($millions) | 8.0601% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,019 |
| Loan loss allowance to noncurrent loans | 60.3102% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5997% | 604 |
| Noncurrent loans to loans | 2.1259% | 590 |
| Net loans and leases to total assets | 74.2844% | 1,706 |
| Net loans and leases to deposits | 94.3371% | 1,124 |
| Net loans and leases to core deposits | 100.7244% | 1,504 |
| Total domestic deposits to total assets | 78.7436% | 4,232 |
| Equity capital to assets | 14.1328% | 1,046 |
| Core capital (leverage) ratio | 14.3235% | 845 |
| Tier 1 risk-based capital ratio | 19.1036% | 1,490 |
| Total risk-based capital ratio | 20.3550% | 1,465 |
| Memoranda: | ||
| Average total assets | $130,837,400 | 3,556 |
| Average earning assets | $126,368,000 | 3,477 |
| Average equity | $18,703,200 | 3,257 |
| Average total loans | $102,338,400 | 3,196 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 2,466 |
| Cost of funding earning assets | 1.2417% | 932 |
| Net interest margin | 3.4444% | 3,747 |
| Noninterest income to average assets | 0.1547% | 4,774 |
| Noninterest expense to average assets | 2.0903% | 4,379 |
| Loan and lease loss provision to assets | 0.1031% | 1,861 |
| Net operating income to assets | 0.9923% | 3,011 |
| Return on assets (ROA) | 0.9931% | 3,075 |
| Pretax return on assets | 1.2891% | 2,706 |
| Return on Equity (ROE) | 6.9262% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.9262% | 1,897 |
| Net charge-offs to loans | 0.1149% | 1,331 |
| Credit loss provision to net charge-offs | 113.6364% | 2,042 |
| Earnings coverage of net charge-offs (x) | 15.3296% | 2,194 |
| Efficiency ratio | 60.0415% | 3,641 |
| Assets per employee ($millions) | 7.5262% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,231 |
| Loan loss allowance to noncurrent loans | 48.2433% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 2.1712% | 373 |
| Noncurrent loans to loans | 2.5924% | 431 |
| Net loans and leases to total assets | 78.8075% | 1,016 |
| Net loans and leases to deposits | 101.9102% | 510 |
| Net loans and leases to core deposits | 111.8418% | 853 |
| Total domestic deposits to total assets | 77.3303% | 4,471 |
| Equity capital to assets | 14.9766% | 852 |
| Core capital (leverage) ratio | 14.5213% | 849 |
| Tier 1 risk-based capital ratio | 19.5782% | 1,444 |
| Total risk-based capital ratio | 20.8290% | 1,412 |
| Memoranda: | ||
| Average total assets | $129,291,250 | 3,612 |
| Average earning assets | $124,874,750 | 3,534 |
| Average equity | $18,537,750 | 3,297 |
| Average total loans | $102,146,000 | 3,232 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 2,611 |
| Cost of funding earning assets | 1.2195% | 939 |
| Net interest margin | 3.4014% | 3,894 |
| Noninterest income to average assets | 0.1526% | 4,818 |
| Noninterest expense to average assets | 2.0379% | 4,538 |
| Loan and lease loss provision to assets | 0.1542% | 1,182 |
| Net operating income to assets | 0.9527% | 3,086 |
| Return on assets (ROA) | 0.9527% | 3,157 |
| Pretax return on assets | 1.2456% | 2,766 |
| Return on Equity (ROE) | 6.7432% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.7432% | 1,930 |
| Net charge-offs to loans | 0.1312% | 1,147 |
| Credit loss provision to net charge-offs | 149.2537% | 1,499 |
| Earnings coverage of net charge-offs (x) | 13.5522% | 2,092 |
| Efficiency ratio | 59.2825% | 3,831 |
| Assets per employee ($millions) | 7.6124% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,157 |
| Loan loss allowance to noncurrent loans | 70.1243% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6274% | 662 |
| Noncurrent loans to loans | 1.8054% | 831 |
| Net loans and leases to total assets | 78.2227% | 1,182 |
| Net loans and leases to deposits | 101.9026% | 548 |
| Net loans and leases to core deposits | 113.2216% | 807 |
| Total domestic deposits to total assets | 76.7622% | 4,591 |
| Equity capital to assets | 14.4448% | 965 |
| Core capital (leverage) ratio | 14.2463% | 893 |
| Tier 1 risk-based capital ratio | 18.8061% | 1,600 |
| Total risk-based capital ratio | 20.0569% | 1,563 |
| Memoranda: | ||
| Average total assets | $129,739,670 | 3,623 |
| Average earning assets | $125,301,000 | 3,545 |
| Average equity | $18,329,670 | 3,313 |
| Average total loans | $102,158,670 | 3,257 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,823 |
| Cost of funding earning assets | 1.1973% | 910 |
| Net interest margin | 3.3149% | 4,125 |
| Noninterest income to average assets | 0.1416% | 4,884 |
| Noninterest expense to average assets | 2.1801% | 4,313 |
| Loan and lease loss provision to assets | 0.2309% | 656 |
| Net operating income to assets | 0.6497% | 4,093 |
| Return on assets (ROA) | 0.6497% | 4,126 |
| Pretax return on assets | 0.9361% | 3,655 |
| Return on Equity (ROE) | 4.6507% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.6507% | 3,063 |
| Net charge-offs to loans | 0.0235% | 1,976 |
| Credit loss provision to net charge-offs | 1,250.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 63.1667% | 890 |
| Efficiency ratio | 65.1334% | 3,069 |
| Assets per employee ($millions) | 7.5646% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,094 |
| Loan loss allowance to noncurrent loans | 32.8087% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 3.1618% | 189 |
| Noncurrent loans to loans | 3.9620% | 196 |
| Net loans and leases to total assets | 78.7664% | 1,023 |
| Net loans and leases to deposits | 102.6095% | 467 |
| Net loans and leases to core deposits | 114.6460% | 706 |
| Total domestic deposits to total assets | 76.7632% | 4,677 |
| Equity capital to assets | 14.1449% | 987 |
| Core capital (leverage) ratio | 13.9122% | 978 |
| Tier 1 risk-based capital ratio | 18.0366% | 1,787 |
| Total risk-based capital ratio | 19.2873% | 1,744 |
| Memoranda: | ||
| Average total assets | $129,904,500 | 3,660 |
| Average earning assets | $125,616,500 | 3,578 |
| Average equity | $18,148,000 | 3,341 |
| Average total loans | $101,975,000 | 3,295 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,401 |
| Cost of funding earning assets | 1.0049% | 735 |
| Net interest margin | 3.5159% | 3,651 |
| Noninterest income to average assets | 0.1568% | 4,937 |
| Noninterest expense to average assets | 2.1525% | 4,444 |
| Loan and lease loss provision to assets | 0.1258% | 1,746 |
| Net operating income to assets | 0.8741% | 3,522 |
| Return on assets (ROA) | 0.8754% | 3,511 |
| Pretax return on assets | 1.2687% | 2,623 |
| Return on Equity (ROE) | 5.9590% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.9590% | 2,219 |
| Net charge-offs to loans | 0.0114% | 3,295 |
| Credit loss provision to net charge-offs | 1,363.6364% | 306 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 559 |
| Efficiency ratio | 60.7143% | 3,742 |
| Assets per employee ($millions) | 7.7183% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,307 |
| Loan loss allowance to noncurrent loans | 67.1800% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4351% | 827 |
| Noncurrent loans to loans | 1.8584% | 750 |
| Net loans and leases to total assets | 76.2581% | 1,566 |
| Net loans and leases to deposits | 98.7174% | 833 |
| Net loans and leases to core deposits | 110.7766% | 956 |
| Total domestic deposits to total assets | 77.2489% | 4,595 |
| Equity capital to assets | 13.7991% | 1,031 |
| Core capital (leverage) ratio | 14.3329% | 836 |
| Tier 1 risk-based capital ratio | 15.8405% | 2,473 |
| Total risk-based capital ratio | 16.9425% | 2,464 |
| Memoranda: | ||
| Average total assets | $119,255,200 | 3,798 |
| Average earning assets | $114,935,600 | 3,734 |
| Average equity | $17,519,600 | 3,342 |
| Average total loans | $96,478,400 | 3,363 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 2,299 |
| Cost of funding earning assets | 0.9679% | 692 |
| Net interest margin | 3.5333% | 3,581 |
| Noninterest income to average assets | 0.1537% | 5,009 |
| Noninterest expense to average assets | 2.1227% | 4,496 |
| Loan and lease loss provision to assets | 0.1147% | 1,767 |
| Net operating income to assets | 0.8431% | 3,764 |
| Return on assets (ROA) | 0.8440% | 3,764 |
| Pretax return on assets | 1.3211% | 2,537 |
| Return on Equity (ROE) | 5.6485% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.6485% | 2,856 |
| Net charge-offs to loans | 0.0112% | 3,018 |
| Credit loss provision to net charge-offs | 1,250.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 156.3224% | 523 |
| Efficiency ratio | 59.6712% | 3,856 |
| Assets per employee ($millions) | 7.1501% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,557 |
| Loan loss allowance to noncurrent loans | 100.1645% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0004% | 1,456 |
| Noncurrent loans to loans | 1.2105% | 1,402 |
| Net loans and leases to total assets | 81.6400% | 775 |
| Net loans and leases to deposits | 111.2039% | 259 |
| Net loans and leases to core deposits | 122.9541% | 491 |
| Total domestic deposits to total assets | 73.4147% | 5,029 |
| Equity capital to assets | 14.5913% | 805 |
| Core capital (leverage) ratio | 15.0696% | 688 |
| Tier 1 risk-based capital ratio | 16.4362% | 2,292 |
| Total risk-based capital ratio | 17.5551% | 2,276 |
| Memoranda: | ||
| Average total assets | $116,266,250 | 3,889 |
| Average earning assets | $111,997,250 | 3,817 |
| Average equity | $17,373,000 | 3,381 |
| Average total loans | $95,267,000 | 3,416 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,356 |
| Cost of funding earning assets | 0.9067% | 718 |
| Net interest margin | 3.5106% | 3,598 |
| Noninterest income to average assets | 0.1712% | 4,967 |
| Noninterest expense to average assets | 2.1484% | 4,491 |
| Loan and lease loss provision to assets | 0.0873% | 2,174 |
| Net operating income to assets | 0.7514% | 4,024 |
| Return on assets (ROA) | 0.7528% | 4,024 |
| Pretax return on assets | 1.3187% | 2,435 |
| Return on Equity (ROE) | 4.9965% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.9965% | 3,076 |
| Net charge-offs to loans | -0.0021% | 3,954 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4720% | 3,869 |
| Assets per employee ($millions) | 6.7558% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,563 |
| Loan loss allowance to noncurrent loans | 87.0562% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 1,226 |
| Noncurrent loans to loans | 1.4101% | 1,198 |
| Net loans and leases to total assets | 82.4594% | 661 |
| Net loans and leases to deposits | 113.7136% | 202 |
| Net loans and leases to core deposits | 125.7943% | 414 |
| Total domestic deposits to total assets | 72.5150% | 5,143 |
| Equity capital to assets | 15.2123% | 649 |
| Core capital (leverage) ratio | 15.4897% | 570 |
| Tier 1 risk-based capital ratio | 16.6206% | 2,217 |
| Total risk-based capital ratio | 17.7337% | 2,207 |
| Memoranda: | ||
| Average total assets | $114,504,330 | 3,945 |
| Average earning assets | $110,294,670 | 3,867 |
| Average equity | $17,252,000 | 3,414 |
| Average total loans | $93,538,330 | 3,453 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 2,318 |
| Cost of funding earning assets | 0.8540% | 751 |
| Net interest margin | 3.5067% | 3,509 |
| Noninterest income to average assets | 0.1015% | 5,324 |
| Noninterest expense to average assets | 2.2181% | 4,373 |
| Loan and lease loss provision to assets | 0.0875% | 2,052 |
| Net operating income to assets | 0.3429% | 5,022 |
| Return on assets (ROA) | 0.3429% | 5,027 |
| Pretax return on assets | 1.1720% | 2,882 |
| Return on Equity (ROE) | 2.2867% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.2867% | 4,250 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7827% | 3,513 |
| Assets per employee ($millions) | 7.0659% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,536 |
| Loan loss allowance to noncurrent loans | 108.1767% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 1,680 |
| Noncurrent loans to loans | 1.1527% | 1,577 |
| Net loans and leases to total assets | 80.6278% | 850 |
| Net loans and leases to deposits | 109.3630% | 271 |
| Net loans and leases to core deposits | 119.4807% | 601 |
| Total domestic deposits to total assets | 73.7249% | 5,180 |
| Equity capital to assets | 15.1706% | 631 |
| Core capital (leverage) ratio | 15.2889% | 595 |
| Tier 1 risk-based capital ratio | 16.7197% | 2,205 |
| Total risk-based capital ratio | 17.8360% | 2,194 |
| Memoranda: | ||
| Average total assets | $114,332,500 | 3,985 |
| Average earning assets | $110,074,500 | 3,914 |
| Average equity | $17,142,500 | 3,458 |
| Average total loans | $92,367,500 | 3,494 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,182 |
| Cost of funding earning assets | 0.7714% | 729 |
| Net interest margin | 3.5779% | 3,242 |
| Noninterest income to average assets | 0.1811% | 5,051 |
| Noninterest expense to average assets | 2.0861% | 4,792 |
| Loan and lease loss provision to assets | 0.1605% | 1,396 |
| Net operating income to assets | 0.9272% | 2,561 |
| Return on assets (ROA) | 0.9302% | 2,576 |
| Pretax return on assets | 1.3557% | 2,146 |
| Return on Equity (ROE) | 6.2699% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.2699% | 1,395 |
| Net charge-offs to loans | 0.0181% | 3,498 |
| Credit loss provision to net charge-offs | 1,125.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 105.9375% | 620 |
| Efficiency ratio | 57.9822% | 4,527 |
| Assets per employee ($millions) | 7.2257% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,667 |
| Loan loss allowance to noncurrent loans | 319.8864% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 3,246 |
| Noncurrent loans to loans | 0.3808% | 3,390 |
| Net loans and leases to total assets | 78.9760% | 1,125 |
| Net loans and leases to deposits | 105.7603% | 411 |
| Net loans and leases to core deposits | 114.4273% | 779 |
| Total domestic deposits to total assets | 74.6746% | 5,114 |
| Equity capital to assets | 14.8204% | 714 |
| Core capital (leverage) ratio | 14.8476% | 648 |
| Tier 1 risk-based capital ratio | 15.9517% | 2,448 |
| Total risk-based capital ratio | 17.0011% | 2,475 |
| Memoranda: | ||
| Average total assets | $112,121,200 | 4,024 |
| Average earning assets | $107,075,000 | 3,963 |
| Average equity | $16,635,000 | 3,522 |
| Average total loans | $88,278,000 | 3,554 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,209 |
| Cost of funding earning assets | 0.7465% | 771 |
| Net interest margin | 3.5739% | 3,246 |
| Noninterest income to average assets | 0.1954% | 5,036 |
| Noninterest expense to average assets | 2.0997% | 4,734 |
| Loan and lease loss provision to assets | 0.2157% | 867 |
| Net operating income to assets | 0.9080% | 2,992 |
| Return on assets (ROA) | 0.9096% | 3,038 |
| Pretax return on assets | 1.2908% | 2,536 |
| Return on Equity (ROE) | 6.1293% | 4,066 |
| Retained earnings to average equity (ytd only) | 6.1293% | 2,151 |
| Net charge-offs to loans | 0.0382% | 2,672 |
| Credit loss provision to net charge-offs | 720.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 50.2037% | 1,113 |
| Efficiency ratio | 58.2641% | 4,466 |
| Assets per employee ($millions) | 7.5245% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,929 |
| Loan loss allowance to noncurrent loans | 230.7851% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 1,793 |
| Noncurrent loans to loans | 0.5202% | 3,142 |
| Net loans and leases to total assets | 81.4465% | 773 |
| Net loans and leases to deposits | 116.6039% | 145 |
| Net loans and leases to core deposits | 126.1555% | 405 |
| Total domestic deposits to total assets | 69.8488% | 5,483 |
| Equity capital to assets | 14.9874% | 731 |
| Core capital (leverage) ratio | 14.9788% | 668 |
| Tier 1 risk-based capital ratio | 16.0230% | 2,493 |
| Total risk-based capital ratio | 17.0884% | 2,511 |
| Memoranda: | ||
| Average total assets | $111,248,750 | 4,082 |
| Average earning assets | $106,099,250 | 4,024 |
| Average equity | $16,510,250 | 3,568 |
| Average total loans | $87,239,750 | 3,613 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,452 |
| Cost of funding earning assets | 0.7186% | 802 |
| Net interest margin | 3.4869% | 3,456 |
| Noninterest income to average assets | 0.2114% | 4,989 |
| Noninterest expense to average assets | 2.0793% | 4,810 |
| Loan and lease loss provision to assets | 0.3252% | 456 |
| Net operating income to assets | 0.8068% | 3,367 |
| Return on assets (ROA) | 0.8093% | 3,409 |
| Pretax return on assets | 1.1327% | 3,042 |
| Return on Equity (ROE) | 5.4718% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,426 |
| Net charge-offs to loans | 0.0680% | 1,954 |
| Credit loss provision to net charge-offs | 620.6897% | 552 |
| Earnings coverage of net charge-offs (x) | 27.7586% | 1,529 |
| Efficiency ratio | 58.8446% | 4,485 |
| Assets per employee ($millions) | 7.0154% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,751 |
| Loan loss allowance to noncurrent loans | 262.5000% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 1,824 |
| Noncurrent loans to loans | 0.4727% | 3,327 |
| Net loans and leases to total assets | 78.9142% | 1,107 |
| Net loans and leases to deposits | 106.1107% | 393 |
| Net loans and leases to core deposits | 114.2588% | 789 |
| Total domestic deposits to total assets | 74.3697% | 5,263 |
| Equity capital to assets | 14.8023% | 738 |
| Core capital (leverage) ratio | 14.7202% | 694 |
| Tier 1 risk-based capital ratio | 15.9927% | 2,514 |
| Total risk-based capital ratio | 17.0728% | 2,509 |
| Memoranda: | ||
| Average total assets | $110,709,000 | 4,120 |
| Average earning assets | $105,479,670 | 4,062 |
| Average equity | $16,375,000 | 3,594 |
| Average total loans | $85,305,000 | 3,673 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 2,559 |
| Cost of funding earning assets | 0.6725% | 969 |
| Net interest margin | 3.4542% | 3,433 |
| Noninterest income to average assets | 0.2474% | 4,763 |
| Noninterest expense to average assets | 2.2157% | 4,598 |
| Loan and lease loss provision to assets | 0.0910% | 2,024 |
| Net operating income to assets | 0.9496% | 2,530 |
| Return on assets (ROA) | 0.9496% | 2,589 |
| Pretax return on assets | 1.2298% | 2,476 |
| Return on Equity (ROE) | 6.4226% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.4226% | 2,126 |
| Net charge-offs to loans | 0.0529% | 1,813 |
| Credit loss provision to net charge-offs | 227.2727% | 939 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,159 |
| Efficiency ratio | 62.6543% | 4,045 |
| Assets per employee ($millions) | 6.9194% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,344 |
| Loan loss allowance to noncurrent loans | 357.5092% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 2,359 |
| Noncurrent loans to loans | 0.3255% | 3,957 |
| Net loans and leases to total assets | 74.8769% | 1,603 |
| Net loans and leases to deposits | 101.2643% | 535 |
| Net loans and leases to core deposits | 107.4784% | 998 |
| Total domestic deposits to total assets | 73.9421% | 5,419 |
| Equity capital to assets | 14.8278% | 688 |
| Core capital (leverage) ratio | 14.9221% | 620 |
| Tier 1 risk-based capital ratio | 16.3311% | 2,421 |
| Total risk-based capital ratio | 17.3064% | 2,478 |
| Memoranda: | ||
| Average total assets | $109,940,500 | 4,176 |
| Average earning assets | $104,685,500 | 4,112 |
| Average equity | $16,255,000 | 3,630 |
| Average total loans | $83,112,000 | 3,737 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 3,020 |
| Cost of funding earning assets | 0.6152% | 1,235 |
| Net interest margin | 3.4342% | 3,689 |
| Noninterest income to average assets | 0.1793% | 5,325 |
| Noninterest expense to average assets | 2.1821% | 4,818 |
| Loan and lease loss provision to assets | 0.0944% | 2,476 |
| Net operating income to assets | 0.8056% | 3,279 |
| Return on assets (ROA) | 0.8088% | 3,373 |
| Pretax return on assets | 1.1901% | 2,716 |
| Return on Equity (ROE) | 5.4387% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.4387% | 2,055 |
| Net charge-offs to loans | 0.0939% | 2,369 |
| Credit loss provision to net charge-offs | 135.1351% | 2,007 |
| Earnings coverage of net charge-offs (x) | 18.3243% | 1,974 |
| Efficiency ratio | 63.0316% | 4,099 |
| Assets per employee ($millions) | 6.4218% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,318 |
| Loan loss allowance to noncurrent loans | 195.5285% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 2,140 |
| Noncurrent loans to loans | 0.5974% | 3,061 |
| Net loans and leases to total assets | 74.5525% | 1,762 |
| Net loans and leases to deposits | 98.8402% | 755 |
| Net loans and leases to core deposits | 104.3409% | 1,255 |
| Total domestic deposits to total assets | 75.4273% | 5,306 |
| Equity capital to assets | 14.7421% | 682 |
| Core capital (leverage) ratio | 14.8504% | 624 |
| Tier 1 risk-based capital ratio | 16.4514% | 2,369 |
| Total risk-based capital ratio | 17.4336% | 2,417 |
| Memoranda: | ||
| Average total assets | $105,953,600 | 4,237 |
| Average earning assets | $101,274,000 | 4,181 |
| Average equity | $15,757,400 | 3,725 |
| Average total loans | $78,783,600 | 3,831 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,028 |
| Cost of funding earning assets | 0.6013% | 1,316 |
| Net interest margin | 3.4513% | 3,663 |
| Noninterest income to average assets | 0.1877% | 5,336 |
| Noninterest expense to average assets | 2.2241% | 4,706 |
| Loan and lease loss provision to assets | 0.0951% | 2,323 |
| Net operating income to assets | 0.8329% | 3,225 |
| Return on assets (ROA) | 0.8356% | 3,336 |
| Pretax return on assets | 1.1767% | 2,931 |
| Return on Equity (ROE) | 5.6060% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.6060% | 2,432 |
| Net charge-offs to loans | 0.1147% | 1,799 |
| Credit loss provision to net charge-offs | 111.9403% | 2,199 |
| Earnings coverage of net charge-offs (x) | 14.9256% | 2,212 |
| Efficiency ratio | 63.6892% | 3,971 |
| Assets per employee ($millions) | 6.3381% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,586 |
| Loan loss allowance to noncurrent loans | 104.7725% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 1,518 |
| Noncurrent loans to loans | 1.0913% | 2,075 |
| Net loans and leases to total assets | 75.7508% | 1,564 |
| Net loans and leases to deposits | 106.9332% | 343 |
| Net loans and leases to core deposits | 113.8180% | 729 |
| Total domestic deposits to total assets | 70.8394% | 5,650 |
| Equity capital to assets | 14.9051% | 759 |
| Core capital (leverage) ratio | 15.0722% | 615 |
| Tier 1 risk-based capital ratio | 16.2974% | 2,502 |
| Total risk-based capital ratio | 17.2693% | 2,560 |
| Memoranda: | ||
| Average total assets | $105,149,500 | 4,295 |
| Average earning assets | $100,674,500 | 4,220 |
| Average equity | $15,673,250 | 3,763 |
| Average total loans | $77,891,750 | 3,878 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,219 |
| Cost of funding earning assets | 0.5849% | 1,433 |
| Net interest margin | 3.4215% | 3,796 |
| Noninterest income to average assets | 0.1879% | 5,370 |
| Noninterest expense to average assets | 2.1921% | 4,859 |
| Loan and lease loss provision to assets | 0.0959% | 2,239 |
| Net operating income to assets | 0.8283% | 3,178 |
| Return on assets (ROA) | 0.8323% | 3,298 |
| Pretax return on assets | 1.1814% | 2,854 |
| Return on Equity (ROE) | 5.5840% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.5840% | 2,370 |
| Net charge-offs to loans | 0.1729% | 1,304 |
| Credit loss provision to net charge-offs | 75.7576% | 2,412 |
| Earnings coverage of net charge-offs (x) | 10.0455% | 2,361 |
| Efficiency ratio | 63.2890% | 4,139 |
| Assets per employee ($millions) | 6.0396% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,343 |
| Loan loss allowance to noncurrent loans | 84.1720% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5252% | 1,243 |
| Noncurrent loans to loans | 1.4292% | 1,550 |
| Net loans and leases to total assets | 73.5883% | 1,918 |
| Net loans and leases to deposits | 97.8869% | 902 |
| Net loans and leases to core deposits | 102.0861% | 1,463 |
| Total domestic deposits to total assets | 75.1768% | 5,388 |
| Equity capital to assets | 15.4343% | 642 |
| Core capital (leverage) ratio | 14.9710% | 616 |
| Tier 1 risk-based capital ratio | 17.0896% | 2,183 |
| Total risk-based capital ratio | 18.0975% | 2,231 |
| Memoranda: | ||
| Average total assets | $104,283,330 | 4,349 |
| Average earning assets | $99,838,330 | 4,271 |
| Average equity | $15,544,330 | 3,796 |
| Average total loans | $76,334,330 | 3,941 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 2,815 |
| Cost of funding earning assets | 0.5603% | 1,624 |
| Net interest margin | 3.5489% | 3,285 |
| Noninterest income to average assets | 0.1561% | 5,559 |
| Noninterest expense to average assets | 2.3066% | 4,639 |
| Loan and lease loss provision to assets | 0.0952% | 2,104 |
| Net operating income to assets | 0.7917% | 3,288 |
| Return on assets (ROA) | 0.7917% | 3,392 |
| Pretax return on assets | 1.1533% | 2,879 |
| Return on Equity (ROE) | 5.4051% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.4051% | 2,710 |
| Net charge-offs to loans | 0.3776% | 587 |
| Credit loss provision to net charge-offs | 34.7222% | 2,183 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 2,414 |
| Efficiency ratio | 64.8822% | 3,996 |
| Assets per employee ($millions) | 6.0776% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 3,666 |
| Loan loss allowance to noncurrent loans | 184.8233% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 2,391 |
| Noncurrent loans to loans | 0.6326% | 3,271 |
| Net loans and leases to total assets | 72.7340% | 1,914 |
| Net loans and leases to deposits | 93.1144% | 1,216 |
| Net loans and leases to core deposits | 98.6803% | 1,588 |
| Total domestic deposits to total assets | 78.1124% | 5,126 |
| Equity capital to assets | 15.0572% | 679 |
| Core capital (leverage) ratio | 14.6547% | 672 |
| Tier 1 risk-based capital ratio | 16.8451% | 2,349 |
| Total risk-based capital ratio | 17.8171% | 2,404 |
| Memoranda: | ||
| Average total assets | $105,088,000 | 4,366 |
| Average earning assets | $100,652,000 | 4,283 |
| Average equity | $15,393,000 | 3,826 |
| Average total loans | $76,263,500 | 3,955 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,683 |
| Cost of funding earning assets | 0.5151% | 2,029 |
| Net interest margin | 3.6512% | 2,935 |
| Noninterest income to average assets | 0.1814% | 5,503 |
| Noninterest expense to average assets | 2.1980% | 5,049 |
| Loan and lease loss provision to assets | 0.0490% | 3,348 |
| Net operating income to assets | 1.0200% | 2,257 |
| Return on assets (ROA) | 1.0073% | 2,410 |
| Pretax return on assets | 1.3996% | 1,905 |
| Return on Equity (ROE) | 6.9543% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.9543% | 1,301 |
| Net charge-offs to loans | 0.2767% | 1,096 |
| Credit loss provision to net charge-offs | 25.2525% | 3,704 |
| Earnings coverage of net charge-offs (x) | 7.5505% | 3,066 |
| Efficiency ratio | 59.9839% | 4,909 |
| Assets per employee ($millions) | 6.2857% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 3,337 |
| Loan loss allowance to noncurrent loans | 262.1849% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 2,737 |
| Noncurrent loans to loans | 0.4667% | 3,795 |
| Net loans and leases to total assets | 70.7057% | 2,263 |
| Net loans and leases to deposits | 89.4141% | 1,697 |
| Net loans and leases to core deposits | 94.4897% | 2,003 |
| Total domestic deposits to total assets | 79.0767% | 4,960 |
| Equity capital to assets | 14.2518% | 852 |
| Core capital (leverage) ratio | 14.4980% | 714 |
| Tier 1 risk-based capital ratio | 16.0465% | 2,667 |
| Total risk-based capital ratio | 17.0301% | 2,731 |
| Memoranda: | ||
| Average total assets | $101,958,400 | 4,424 |
| Average earning assets | $97,256,000 | 4,358 |
| Average equity | $14,767,800 | 3,869 |
| Average total loans | $71,553,000 | 4,055 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 2,752 |
| Cost of funding earning assets | 0.4945% | 2,268 |
| Net interest margin | 3.6548% | 2,939 |
| Noninterest income to average assets | 0.1906% | 5,518 |
| Noninterest expense to average assets | 2.2183% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0712% | 2,127 |
| Return on assets (ROA) | 1.0496% | 2,316 |
| Pretax return on assets | 1.4255% | 1,914 |
| Return on Equity (ROE) | 7.2159% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.2159% | 1,592 |
| Net charge-offs to loans | 0.4209% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.9505% | 3,272 |
| Efficiency ratio | 60.3964% | 4,831 |
| Assets per employee ($millions) | 6.1124% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,957 |
| Loan loss allowance to noncurrent loans | 179.9582% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 2,573 |
| Noncurrent loans to loans | 0.6366% | 3,411 |
| Net loans and leases to total assets | 71.5802% | 2,126 |
| Net loans and leases to deposits | 98.3355% | 794 |
| Net loans and leases to core deposits | 103.7436% | 1,249 |
| Total domestic deposits to total assets | 72.7918% | 5,809 |
| Equity capital to assets | 14.4770% | 864 |
| Core capital (leverage) ratio | 14.7105% | 695 |
| Tier 1 risk-based capital ratio | 16.4126% | 2,620 |
| Total risk-based capital ratio | 17.3559% | 2,706 |
| Memoranda: | ||
| Average total assets | $100,733,750 | 4,495 |
| Average earning assets | $95,982,000 | 4,437 |
| Average equity | $14,652,500 | 3,924 |
| Average total loans | $70,318,750 | 4,125 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 2,906 |
| Cost of funding earning assets | 0.4505% | 2,721 |
| Net interest margin | 3.6464% | 2,922 |
| Noninterest income to average assets | 0.1906% | 5,534 |
| Noninterest expense to average assets | 2.2152% | 5,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0592% | 2,103 |
| Return on assets (ROA) | 1.0314% | 2,339 |
| Pretax return on assets | 1.4126% | 1,921 |
| Return on Equity (ROE) | 7.0788% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.0788% | 1,665 |
| Net charge-offs to loans | -0.0029% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4269% | 4,926 |
| Assets per employee ($millions) | 5.6910% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 2,263 |
| Loan loss allowance to noncurrent loans | 1,903.5088% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 3,887 |
| Noncurrent loans to loans | 0.0792% | 5,418 |
| Net loans and leases to total assets | 69.1755% | 2,457 |
| Net loans and leases to deposits | 90.3023% | 1,559 |
| Net loans and leases to core deposits | 95.0683% | 1,869 |
| Total domestic deposits to total assets | 76.6044% | 5,520 |
| Equity capital to assets | 14.4029% | 842 |
| Core capital (leverage) ratio | 14.4743% | 719 |
| Tier 1 risk-based capital ratio | 16.6123% | 2,559 |
| Total risk-based capital ratio | 17.8364% | 2,528 |
| Memoranda: | ||
| Average total assets | $99,675,000 | 4,560 |
| Average earning assets | $94,998,330 | 4,491 |
| Average equity | $14,522,330 | 3,960 |
| Average total loans | $68,678,000 | 4,199 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,158 |
| Cost of funding earning assets | 0.4391% | 2,885 |
| Net interest margin | 3.5811% | 3,077 |
| Noninterest income to average assets | 0.2238% | 5,354 |
| Noninterest expense to average assets | 2.0917% | 5,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1598% | 1,666 |
| Return on assets (ROA) | 1.1598% | 1,773 |
| Pretax return on assets | 1.5505% | 1,392 |
| Return on Equity (ROE) | 7.9131% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.9131% | 1,600 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4302% | 5,398 |
| Assets per employee ($millions) | 5.8106% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 2,020 |
| Loan loss allowance to noncurrent loans | 296.1749% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 2,957 |
| Noncurrent loans to loans | 0.5433% | 3,957 |
| Net loans and leases to total assets | 67.1040% | 2,595 |
| Net loans and leases to deposits | 85.6043% | 1,886 |
| Net loans and leases to core deposits | 89.6872% | 2,157 |
| Total domestic deposits to total assets | 78.3886% | 5,369 |
| Equity capital to assets | 14.7508% | 761 |
| Core capital (leverage) ratio | 14.9594% | 617 |
| Tier 1 risk-based capital ratio | 17.1228% | 2,435 |
| Total risk-based capital ratio | 18.3722% | 2,391 |
| Memoranda: | ||
| Average total assets | $98,293,500 | 4,617 |
| Average earning assets | $93,825,500 | 4,556 |
| Average equity | $14,406,500 | 4,012 |
| Average total loans | $67,043,500 | 4,264 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 3,285 |
| Cost of funding earning assets | 0.4710% | 2,973 |
| Net interest margin | 3.6406% | 3,255 |
| Noninterest income to average assets | 0.2349% | 5,453 |
| Noninterest expense to average assets | 2.1654% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1155% | 1,923 |
| Return on assets (ROA) | 1.1391% | 1,886 |
| Pretax return on assets | 1.5640% | 1,341 |
| Return on Equity (ROE) | 7.9495% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.9495% | 1,040 |
| Net charge-offs to loans | -0.0959% | 6,101 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5710% | 5,400 |
| Assets per employee ($millions) | 6.1129% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 2,012 |
| Loan loss allowance to noncurrent loans | 1,935.7143% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 4,000 |
| Noncurrent loans to loans | 0.0839% | 5,550 |
| Net loans and leases to total assets | 67.1053% | 2,710 |
| Net loans and leases to deposits | 82.7237% | 2,376 |
| Net loans and leases to core deposits | 85.6481% | 2,720 |
| Total domestic deposits to total assets | 81.1198% | 4,707 |
| Equity capital to assets | 14.5615% | 794 |
| Core capital (leverage) ratio | 14.4131% | 721 |
| Tier 1 risk-based capital ratio | 18.6505% | 1,945 |
| Total risk-based capital ratio | 19.9030% | 1,911 |
| Memoranda: | ||
| Average total assets | $95,778,600 | 4,698 |
| Average earning assets | $91,083,200 | 4,632 |
| Average equity | $13,724,200 | 4,068 |
| Average total loans | $63,592,600 | 4,376 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,320 |
| Cost of funding earning assets | 0.4650% | 3,101 |
| Net interest margin | 3.6498% | 3,226 |
| Noninterest income to average assets | 0.2323% | 5,542 |
| Noninterest expense to average assets | 2.1104% | 5,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2186% | 1,615 |
| Return on assets (ROA) | 1.2455% | 1,593 |
| Pretax return on assets | 1.6276% | 1,240 |
| Return on Equity (ROE) | 8.7287% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.7287% | 1,083 |
| Net charge-offs to loans | -0.1252% | 6,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9917% | 5,558 |
| Assets per employee ($millions) | 6.0509% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 2,036 |
| Loan loss allowance to noncurrent loans | 1,462.1622% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 4,161 |
| Noncurrent loans to loans | 0.1149% | 5,583 |
| Net loans and leases to total assets | 65.4296% | 2,963 |
| Net loans and leases to deposits | 80.7591% | 2,580 |
| Net loans and leases to core deposits | 83.8229% | 2,898 |
| Total domestic deposits to total assets | 81.0182% | 4,819 |
| Equity capital to assets | 14.5475% | 843 |
| Core capital (leverage) ratio | 14.4922% | 727 |
| Tier 1 risk-based capital ratio | 18.7250% | 1,979 |
| Total risk-based capital ratio | 19.9778% | 1,945 |
| Memoranda: | ||
| Average total assets | $95,271,750 | 4,761 |
| Average earning assets | $90,596,750 | 4,687 |
| Average equity | $13,594,750 | 4,111 |
| Average total loans | $62,811,500 | 4,434 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 3,286 |
| Cost of funding earning assets | 0.4666% | 3,143 |
| Net interest margin | 3.6482% | 3,152 |
| Noninterest income to average assets | 0.2068% | 5,715 |
| Noninterest expense to average assets | 2.1402% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1561% | 1,732 |
| Return on assets (ROA) | 1.1609% | 1,790 |
| Pretax return on assets | 1.5387% | 1,433 |
| Return on Equity (ROE) | 8.1896% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.1896% | 1,249 |
| Net charge-offs to loans | -0.1766% | 6,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2759% | 5,523 |
| Assets per employee ($millions) | 5.8531% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 2,064 |
| Loan loss allowance to noncurrent loans | 1,347.5000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 4,209 |
| Noncurrent loans to loans | 0.1279% | 5,630 |
| Net loans and leases to total assets | 65.6376% | 2,812 |
| Net loans and leases to deposits | 80.9783% | 2,388 |
| Net loans and leases to core deposits | 84.4412% | 2,692 |
| Total domestic deposits to total assets | 81.0559% | 4,960 |
| Equity capital to assets | 14.7060% | 773 |
| Core capital (leverage) ratio | 14.6528% | 664 |
| Tier 1 risk-based capital ratio | 18.7449% | 1,991 |
| Total risk-based capital ratio | 19.9973% | 1,953 |
| Memoranda: | ||
| Average total assets | $94,757,670 | 4,803 |
| Average earning assets | $90,018,000 | 4,732 |
| Average equity | $13,431,670 | 4,148 |
| Average total loans | $62,273,000 | 4,472 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 3,364 |
| Cost of funding earning assets | 0.4591% | 3,319 |
| Net interest margin | 3.6199% | 3,171 |
| Noninterest income to average assets | 0.2140% | 5,646 |
| Noninterest expense to average assets | 2.1739% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1237% | 1,724 |
| Return on assets (ROA) | 1.1205% | 1,797 |
| Pretax return on assets | 1.4773% | 1,497 |
| Return on Equity (ROE) | 8.0534% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.0534% | 1,576 |
| Net charge-offs to loans | -0.3412% | 6,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4719% | 5,475 |
| Assets per employee ($millions) | 5.8832% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 2,191 |
| Loan loss allowance to noncurrent loans | 1,208.9888% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 4,360 |
| Noncurrent loans to loans | 0.1450% | 5,658 |
| Net loans and leases to total assets | 64.0639% | 2,879 |
| Net loans and leases to deposits | 80.5127% | 2,225 |
| Net loans and leases to core deposits | 83.2629% | 2,606 |
| Total domestic deposits to total assets | 79.5700% | 5,575 |
| Equity capital to assets | 14.2769% | 840 |
| Core capital (leverage) ratio | 14.2790% | 737 |
| Tier 1 risk-based capital ratio | 18.4708% | 2,134 |
| Total risk-based capital ratio | 19.7240% | 2,097 |
| Memoranda: | ||
| Average total assets | $95,312,000 | 4,833 |
| Average earning assets | $90,610,500 | 4,762 |
| Average equity | $13,261,500 | 4,189 |
| Average total loans | $62,136,000 | 4,519 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 3,483 |
| Cost of funding earning assets | 0.4892% | 3,720 |
| Net interest margin | 3.6744% | 3,155 |
| Noninterest income to average assets | 0.2242% | 5,732 |
| Noninterest expense to average assets | 2.2435% | 5,521 |
| Loan and lease loss provision to assets | 0.0282% | 4,551 |
| Net operating income to assets | 1.0452% | 2,135 |
| Return on assets (ROA) | 1.0671% | 2,131 |
| Pretax return on assets | 1.4784% | 1,514 |
| Return on Equity (ROE) | 7.5179% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.5179% | 1,226 |
| Net charge-offs to loans | 0.0495% | 4,528 |
| Credit loss provision to net charge-offs | 89.2857% | 2,786 |
| Earnings coverage of net charge-offs (x) | 46.7857% | 836 |
| Efficiency ratio | 60.3151% | 5,427 |
| Assets per employee ($millions) | 6.4329% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 2,660 |
| Loan loss allowance to noncurrent loans | 2,379.0698% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 4,628 |
| Noncurrent loans to loans | 0.0684% | 6,015 |
| Net loans and leases to total assets | 64.1176% | 3,026 |
| Net loans and leases to deposits | 83.5492% | 1,986 |
| Net loans and leases to core deposits | 85.8314% | 2,463 |
| Total domestic deposits to total assets | 76.7424% | 6,015 |
| Equity capital to assets | 13.5595% | 1,045 |
| Core capital (leverage) ratio | 14.0637% | 808 |
| Tier 1 risk-based capital ratio | 17.2461% | 2,511 |
| Total risk-based capital ratio | 18.4979% | 2,483 |
| Memoranda: | ||
| Average total assets | $88,744,000 | 5,008 |
| Average earning assets | $84,422,400 | 4,924 |
| Average equity | $12,596,600 | 4,333 |
| Average total loans | $56,557,200 | 4,729 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 3,363 |
| Cost of funding earning assets | 0.4880% | 3,885 |
| Net interest margin | 3.7199% | 2,954 |
| Noninterest income to average assets | 0.2381% | 5,732 |
| Noninterest expense to average assets | 2.2763% | 5,418 |
| Loan and lease loss provision to assets | 0.0384% | 4,244 |
| Net operating income to assets | 1.0174% | 2,307 |
| Return on assets (ROA) | 1.0368% | 2,317 |
| Pretax return on assets | 1.4868% | 1,650 |
| Return on Equity (ROE) | 7.2144% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.2144% | 1,782 |
| Net charge-offs to loans | 0.0703% | 3,923 |
| Credit loss provision to net charge-offs | 86.2069% | 2,707 |
| Earnings coverage of net charge-offs (x) | 33.6170% | 1,142 |
| Efficiency ratio | 60.3175% | 5,388 |
| Assets per employee ($millions) | 5.4253% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,517 |
| Loan loss allowance to noncurrent loans | 564.6409% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 4,331 |
| Noncurrent loans to loans | 0.3066% | 5,461 |
| Net loans and leases to total assets | 62.9090% | 3,183 |
| Net loans and leases to deposits | 80.7148% | 2,302 |
| Net loans and leases to core deposits | 82.9820% | 2,762 |
| Total domestic deposits to total assets | 77.9399% | 5,917 |
| Equity capital to assets | 13.8859% | 997 |
| Core capital (leverage) ratio | 14.1960% | 819 |
| Tier 1 risk-based capital ratio | 16.4711% | 2,946 |
| Total risk-based capital ratio | 17.7213% | 2,918 |
| Memoranda: | ||
| Average total assets | $86,806,750 | 5,104 |
| Average earning assets | $82,508,500 | 5,012 |
| Average equity | $12,474,750 | 4,401 |
| Average total loans | $54,973,500 | 4,825 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 3,422 |
| Cost of funding earning assets | 0.4823% | 4,068 |
| Net interest margin | 3.7049% | 2,939 |
| Noninterest income to average assets | 0.1976% | 6,020 |
| Noninterest expense to average assets | 2.3318% | 5,269 |
| Loan and lease loss provision to assets | 0.0588% | 3,831 |
| Net operating income to assets | 0.8779% | 2,923 |
| Return on assets (ROA) | 0.9059% | 2,902 |
| Pretax return on assets | 1.3741% | 2,023 |
| Return on Equity (ROE) | 6.2278% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.2278% | 2,307 |
| Net charge-offs to loans | 0.1044% | 3,314 |
| Credit loss provision to net charge-offs | 89.2857% | 2,461 |
| Earnings coverage of net charge-offs (x) | 21.1071% | 1,428 |
| Efficiency ratio | 62.6422% | 5,074 |
| Assets per employee ($millions) | 5.3281% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,120 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0194% | 3,718 |
| Noncurrent loans to loans | 0.7347% | 4,455 |
| Net loans and leases to total assets | 62.0254% | 3,279 |
| Net loans and leases to deposits | 76.9128% | 2,741 |
| Net loans and leases to core deposits | 79.1675% | 3,136 |
| Total domestic deposits to total assets | 80.6438% | 5,437 |
| Equity capital to assets | 14.5796% | 802 |
| Core capital (leverage) ratio | 14.5645% | 683 |
| Tier 1 risk-based capital ratio | 18.8314% | 2,040 |
| Total risk-based capital ratio | 20.0854% | 1,999 |
| Memoranda: | ||
| Average total assets | $84,999,000 | 5,193 |
| Average earning assets | $80,865,330 | 5,094 |
| Average equity | $12,364,000 | 4,447 |
| Average total loans | $53,617,000 | 4,893 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,514 |
| Cost of funding earning assets | 0.4650% | 4,427 |
| Net interest margin | 3.6851% | 2,916 |
| Noninterest income to average assets | 0.1791% | 6,193 |
| Noninterest expense to average assets | 2.3517% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8602% | 2,865 |
| Return on assets (ROA) | 0.8813% | 2,890 |
| Pretax return on assets | 1.3714% | 1,960 |
| Return on Equity (ROE) | 6.0658% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.0658% | 2,643 |
| Net charge-offs to loans | 0.2842% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.4737% | 2,065 |
| Efficiency ratio | 63.7292% | 5,049 |
| Assets per employee ($millions) | 5.6738% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 2,245 |
| Loan loss allowance to noncurrent loans | 235.7995% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 3,840 |
| Noncurrent loans to loans | 0.8147% | 4,493 |
| Net loans and leases to total assets | 59.2677% | 3,560 |
| Net loans and leases to deposits | 72.5906% | 3,110 |
| Net loans and leases to core deposits | 74.8250% | 3,484 |
| Total domestic deposits to total assets | 81.6466% | 5,311 |
| Equity capital to assets | 14.6087% | 846 |
| Core capital (leverage) ratio | 14.8312% | 614 |
| Tier 1 risk-based capital ratio | 19.6709% | 1,861 |
| Total risk-based capital ratio | 20.9222% | 1,835 |
| Memoranda: | ||
| Average total assets | $84,874,000 | 5,237 |
| Average earning assets | $80,867,000 | 5,126 |
| Average equity | $12,331,500 | 4,510 |
| Average total loans | $53,476,000 | 4,932 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 3,420 |
| Cost of funding earning assets | 0.5515% | 4,801 |
| Net interest margin | 3.9413% | 2,643 |
| Noninterest income to average assets | 0.2594% | 5,610 |
| Noninterest expense to average assets | 2.7129% | 4,354 |
| Loan and lease loss provision to assets | 0.0627% | 4,985 |
| Net operating income to assets | 0.9176% | 2,727 |
| Return on assets (ROA) | 1.0538% | 2,301 |
| Pretax return on assets | 1.3796% | 2,109 |
| Return on Equity (ROE) | 7.0900% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.0900% | 1,528 |
| Net charge-offs to loans | 0.0980% | 4,684 |
| Credit loss provision to net charge-offs | 98.0392% | 3,165 |
| Earnings coverage of net charge-offs (x) | 19.7647% | 1,375 |
| Efficiency ratio | 68.2320% | 4,099 |
| Assets per employee ($millions) | 5.6427% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 2,444 |
| Loan loss allowance to noncurrent loans | 256.5000% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 3,968 |
| Noncurrent loans to loans | 0.7204% | 4,738 |
| Net loans and leases to total assets | 64.3861% | 2,827 |
| Net loans and leases to deposits | 81.8101% | 2,024 |
| Net loans and leases to core deposits | 85.6131% | 2,361 |
| Total domestic deposits to total assets | 78.7018% | 5,954 |
| Equity capital to assets | 14.4493% | 894 |
| Core capital (leverage) ratio | 14.8589% | 596 |
| Tier 1 risk-based capital ratio | 18.6841% | 2,052 |
| Total risk-based capital ratio | 19.9387% | 2,016 |
| Memoranda: | ||
| Average total assets | $79,804,800 | 5,356 |
| Average earning assets | $75,253,800 | 5,268 |
| Average equity | $11,861,800 | 4,595 |
| Average total loans | $52,036,800 | 5,015 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 3,382 |
| Cost of funding earning assets | 0.5642% | 4,964 |
| Net interest margin | 3.9963% | 2,509 |
| Noninterest income to average assets | 0.2443% | 5,800 |
| Noninterest expense to average assets | 2.2545% | 5,809 |
| Loan and lease loss provision to assets | 0.0848% | 4,551 |
| Net operating income to assets | 1.2125% | 1,691 |
| Return on assets (ROA) | 1.3673% | 1,427 |
| Pretax return on assets | 1.8779% | 912 |
| Return on Equity (ROE) | 9.1305% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.1305% | 1,173 |
| Net charge-offs to loans | 0.1381% | 4,011 |
| Credit loss provision to net charge-offs | 94.3396% | 3,167 |
| Earnings coverage of net charge-offs (x) | 19.4731% | 1,494 |
| Efficiency ratio | 56.2897% | 6,020 |
| Assets per employee ($millions) | 5.4853% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 2,251 |
| Loan loss allowance to noncurrent loans | 218.8034% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.7404% | 3,000 |
| Noncurrent loans to loans | 0.9018% | 4,628 |
| Net loans and leases to total assets | 61.8311% | 3,414 |
| Net loans and leases to deposits | 75.1207% | 3,127 |
| Net loans and leases to core deposits | 77.6501% | 3,510 |
| Total domestic deposits to total assets | 82.3090% | 4,915 |
| Equity capital to assets | 14.8276% | 865 |
| Core capital (leverage) ratio | 15.3478% | 559 |
| Tier 1 risk-based capital ratio | 19.1961% | 1,950 |
| Total risk-based capital ratio | 20.4506% | 1,921 |
| Memoranda: | ||
| Average total assets | $78,595,750 | 5,446 |
| Average earning assets | $73,966,250 | 5,372 |
| Average equity | $11,769,750 | 4,660 |
| Average total loans | $51,165,250 | 5,121 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 3,195 |
| Cost of funding earning assets | 0.5839% | 5,038 |
| Net interest margin | 4.0542% | 2,275 |
| Noninterest income to average assets | 0.1939% | 6,169 |
| Noninterest expense to average assets | 2.3188% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2562% | 1,555 |
| Return on assets (ROA) | 1.3882% | 1,359 |
| Pretax return on assets | 1.8767% | 889 |
| Return on Equity (ROE) | 9.2377% | 2,695 |
| Retained earnings to average equity (ytd only) | 9.2377% | 1,198 |
| Net charge-offs to loans | 0.0589% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 43.8000% | 816 |
| Efficiency ratio | 57.7220% | 5,902 |
| Assets per employee ($millions) | 5.3226% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,391 |
| Loan loss allowance to noncurrent loans | 122.5182% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 2.2420% | 2,498 |
| Noncurrent loans to loans | 1.5872% | 3,527 |
| Net loans and leases to total assets | 63.9149% | 3,055 |
| Net loans and leases to deposits | 77.2312% | 2,799 |
| Net loans and leases to core deposits | 80.5242% | 3,142 |
| Total domestic deposits to total assets | 82.7578% | 4,846 |
| Equity capital to assets | 14.9238% | 806 |
| Core capital (leverage) ratio | 15.5377% | 521 |
| Tier 1 risk-based capital ratio | 19.1968% | 1,914 |
| Total risk-based capital ratio | 20.4509% | 1,888 |
| Memoranda: | ||
| Average total assets | $77,368,000 | 5,513 |
| Average earning assets | $72,961,330 | 5,431 |
| Average equity | $11,626,330 | 4,689 |
| Average total loans | $50,921,000 | 5,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 2,922 |
| Cost of funding earning assets | 0.5998% | 5,129 |
| Net interest margin | 4.1322% | 1,986 |
| Noninterest income to average assets | 0.1471% | 6,504 |
| Noninterest expense to average assets | 2.3485% | 5,631 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2675% | 1,546 |
| Return on assets (ROA) | 1.5552% | 1,044 |
| Pretax return on assets | 2.0963% | 640 |
| Return on Equity (ROE) | 10.3118% | 2,299 |
| Retained earnings to average equity (ytd only) | 10.3118% | 1,197 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9016% | 5,929 |
| Assets per employee ($millions) | 5.1035% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 2,212 |
| Loan loss allowance to noncurrent loans | 114.7486% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 2.4819% | 2,381 |
| Noncurrent loans to loans | 1.7888% | 3,427 |
| Net loans and leases to total assets | 64.0158% | 2,846 |
| Net loans and leases to deposits | 77.5362% | 2,591 |
| Net loans and leases to core deposits | 80.1184% | 3,055 |
| Total domestic deposits to total assets | 82.5624% | 5,098 |
| Equity capital to assets | 15.1921% | 712 |
| Core capital (leverage) ratio | 15.5503% | 525 |
| Tier 1 risk-based capital ratio | 19.6111% | 1,808 |
| Total risk-based capital ratio | 20.8665% | 1,782 |
| Memoranda: | ||
| Average total assets | $76,132,500 | 5,588 |
| Average earning assets | $72,019,500 | 5,497 |
| Average equity | $11,482,000 | 4,735 |
| Average total loans | $50,361,000 | 5,214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 4,145 |
| Cost of funding earning assets | 0.8016% | 4,856 |
| Net interest margin | 3.9242% | 3,229 |
| Noninterest income to average assets | 0.2744% | 5,570 |
| Noninterest expense to average assets | 2.3026% | 6,031 |
| Loan and lease loss provision to assets | 0.2113% | 4,073 |
| Net operating income to assets | 1.0843% | 1,881 |
| Return on assets (ROA) | 1.0813% | 2,023 |
| Pretax return on assets | 1.4916% | 1,499 |
| Return on Equity (ROE) | 7.1948% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.1948% | 1,409 |
| Net charge-offs to loans | 0.3670% | 3,568 |
| Credit loss provision to net charge-offs | 85.0829% | 4,236 |
| Earnings coverage of net charge-offs (x) | 6.8729% | 2,434 |
| Efficiency ratio | 57.4264% | 6,125 |
| Assets per employee ($millions) | 5.4080% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 2,193 |
| Loan loss allowance to noncurrent loans | 212.1901% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 1.9667% | 3,013 |
| Noncurrent loans to loans | 0.9548% | 4,793 |
| Net loans and leases to total assets | 65.5933% | 2,854 |
| Net loans and leases to deposits | 79.7693% | 2,564 |
| Net loans and leases to core deposits | 82.0846% | 3,161 |
| Total domestic deposits to total assets | 82.2287% | 5,051 |
| Equity capital to assets | 14.9699% | 792 |
| Core capital (leverage) ratio | 15.3279% | 550 |
| Tier 1 risk-based capital ratio | 19.5552% | 1,739 |
| Total risk-based capital ratio | 20.8103% | 1,705 |
| Memoranda: | ||
| Average total assets | $72,875,200 | 5,671 |
| Average earning assets | $69,364,800 | 5,562 |
| Average equity | $10,952,400 | 4,794 |
| Average total loans | $49,322,600 | 5,293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 4,353 |
| Cost of funding earning assets | 0.8611% | 4,700 |
| Net interest margin | 3.8596% | 3,573 |
| Noninterest income to average assets | 0.3012% | 5,457 |
| Noninterest expense to average assets | 2.2688% | 6,125 |
| Loan and lease loss provision to assets | 0.0998% | 5,208 |
| Net operating income to assets | 1.1178% | 1,910 |
| Return on assets (ROA) | 1.1178% | 2,048 |
| Pretax return on assets | 1.6092% | 1,360 |
| Return on Equity (ROE) | 7.4298% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.4298% | 1,750 |
| Net charge-offs to loans | 0.4954% | 2,769 |
| Credit loss provision to net charge-offs | 29.6703% | 5,418 |
| Earnings coverage of net charge-offs (x) | 5.0824% | 2,880 |
| Efficiency ratio | 57.0367% | 6,138 |
| Assets per employee ($millions) | 5.3792% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8484% | 2,785 |
| Loan loss allowance to noncurrent loans | 47.8059% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5721% | 2,508 |
| Noncurrent loans to loans | 3.8664% | 1,731 |
| Net loans and leases to total assets | 65.2937% | 3,056 |
| Net loans and leases to deposits | 78.3555% | 2,910 |
| Net loans and leases to core deposits | 80.7953% | 3,513 |
| Total domestic deposits to total assets | 83.3300% | 4,546 |
| Equity capital to assets | 14.8163% | 901 |
| Core capital (leverage) ratio | 15.0292% | 659 |
| Tier 1 risk-based capital ratio | 19.5848% | 1,788 |
| Total risk-based capital ratio | 20.8396% | 1,757 |
| Memoranda: | ||
| Average total assets | $72,166,000 | 5,730 |
| Average earning assets | $68,745,250 | 5,626 |
| Average equity | $10,857,000 | 4,839 |
| Average total loans | $48,981,000 | 5,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 4,424 |
| Cost of funding earning assets | 0.8836% | 4,805 |
| Net interest margin | 3.8405% | 3,582 |
| Noninterest income to average assets | 0.2390% | 5,941 |
| Noninterest expense to average assets | 2.3088% | 6,097 |
| Loan and lease loss provision to assets | 0.0759% | 5,361 |
| Net operating income to assets | 1.0124% | 2,176 |
| Return on assets (ROA) | 1.0068% | 2,301 |
| Pretax return on assets | 1.5130% | 1,496 |
| Return on Equity (ROE) | 6.6563% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.6563% | 2,046 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1073% | 6,012 |
| Assets per employee ($millions) | 5.1257% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2652% | 1,803 |
| Loan loss allowance to noncurrent loans | 76.5581% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 3,277 |
| Noncurrent loans to loans | 2.9588% | 2,453 |
| Net loans and leases to total assets | 64.9958% | 3,257 |
| Net loans and leases to deposits | 78.4938% | 3,041 |
| Net loans and leases to core deposits | 80.4003% | 3,729 |
| Total domestic deposits to total assets | 82.8038% | 4,847 |
| Equity capital to assets | 15.2940% | 748 |
| Core capital (leverage) ratio | 15.5042% | 580 |
| Tier 1 risk-based capital ratio | 20.1354% | 1,585 |
| Total risk-based capital ratio | 21.3939% | 1,559 |
| Memoranda: | ||
| Average total assets | $71,118,330 | 5,793 |
| Average earning assets | $67,907,670 | 5,700 |
| Average equity | $10,756,670 | 4,853 |
| Average total loans | $48,608,670 | 5,414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 4,762 |
| Cost of funding earning assets | 0.8982% | 4,936 |
| Net interest margin | 3.7465% | 3,859 |
| Noninterest income to average assets | 0.2203% | 6,160 |
| Noninterest expense to average assets | 2.3108% | 6,160 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9548% | 2,338 |
| Return on assets (ROA) | 0.9548% | 2,403 |
| Pretax return on assets | 1.4916% | 1,475 |
| Return on Equity (ROE) | 6.3489% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.3489% | 2,443 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7727% | 5,865 |
| Assets per employee ($millions) | 5.0341% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2506% | 1,857 |
| Loan loss allowance to noncurrent loans | 72.9412% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.0503% | 3,259 |
| Noncurrent loans to loans | 3.0855% | 2,432 |
| Net loans and leases to total assets | 64.9536% | 3,247 |
| Net loans and leases to deposits | 77.5859% | 3,140 |
| Net loans and leases to core deposits | 78.9344% | 3,902 |
| Total domestic deposits to total assets | 83.7183% | 4,611 |
| Equity capital to assets | 15.2345% | 718 |
| Core capital (leverage) ratio | 15.5413% | 573 |
| Tier 1 risk-based capital ratio | 20.3883% | 1,502 |
| Total risk-based capital ratio | 21.6470% | 1,479 |
| Memoranda: | ||
| Average total assets | $70,797,500 | 5,852 |
| Average earning assets | $67,690,500 | 5,743 |
| Average equity | $10,647,500 | 4,883 |
| Average total loans | $49,052,000 | 5,440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 3,487 |
| Cost of funding earning assets | 1.1266% | 4,988 |
| Net interest margin | 4.0979% | 2,570 |
| Noninterest income to average assets | 0.4021% | 4,894 |
| Noninterest expense to average assets | 2.5258% | 5,696 |
| Loan and lease loss provision to assets | 0.1178% | 5,981 |
| Net operating income to assets | 1.1749% | 1,476 |
| Return on assets (ROA) | 1.1749% | 1,550 |
| Pretax return on assets | 1.6210% | 1,082 |
| Return on Equity (ROE) | 7.3369% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.3369% | 1,194 |
| Net charge-offs to loans | -0.1088% | 7,506 |
| Credit loss provision to net charge-offs | -147.0588% | 7,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2265% | 6,157 |
| Assets per employee ($millions) | 5.0798% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,166 |
| Loan loss allowance to noncurrent loans | 163.9191% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 5,212 |
| Noncurrent loans to loans | 1.2541% | 4,623 |
| Net loans and leases to total assets | 70.6132% | 2,388 |
| Net loans and leases to deposits | 86.7263% | 1,974 |
| Net loans and leases to core deposits | 87.1235% | 3,168 |
| Total domestic deposits to total assets | 81.4208% | 5,381 |
| Equity capital to assets | 14.8460% | 826 |
| Core capital (leverage) ratio | 15.0683% | 651 |
| Tier 1 risk-based capital ratio | 19.0148% | 1,719 |
| Total risk-based capital ratio | 20.2724% | 1,682 |
| Memoranda: | ||
| Average total assets | $63,663,000 | 6,069 |
| Average earning assets | $60,006,000 | 5,996 |
| Average equity | $10,195,000 | 5,079 |
| Average total loans | $46,873,000 | 5,602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 3,277 |
| Cost of funding earning assets | 1.1743% | 5,012 |
| Net interest margin | 4.1400% | 2,448 |
| Noninterest income to average assets | 0.4078% | 4,896 |
| Noninterest expense to average assets | 2.6084% | 5,292 |
| Loan and lease loss provision to assets | 0.1079% | 5,953 |
| Net operating income to assets | 1.2125% | 1,560 |
| Return on assets (ROA) | 1.2125% | 1,640 |
| Pretax return on assets | 1.5706% | 1,418 |
| Return on Equity (ROE) | 7.4158% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.4158% | 1,635 |
| Net charge-offs to loans | -0.1486% | 7,599 |
| Credit loss provision to net charge-offs | -98.0392% | 6,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8455% | 5,816 |
| Assets per employee ($millions) | 4.7661% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1425% | 1,903 |
| Loan loss allowance to noncurrent loans | 162.0472% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9517% | 5,189 |
| Noncurrent loans to loans | 1.3221% | 4,656 |
| Net loans and leases to total assets | 70.4369% | 2,629 |
| Net loans and leases to deposits | 85.4698% | 2,442 |
| Net loans and leases to core deposits | 85.8806% | 3,672 |
| Total domestic deposits to total assets | 82.4114% | 4,836 |
| Equity capital to assets | 15.6043% | 747 |
| Core capital (leverage) ratio | 15.7844% | 593 |
| Tier 1 risk-based capital ratio | 20.0778% | 1,533 |
| Total risk-based capital ratio | 21.3366% | 1,497 |
| Memoranda: | ||
| Average total assets | $61,799,500 | 6,200 |
| Average earning assets | $57,905,250 | 6,130 |
| Average equity | $10,104,250 | 5,157 |
| Average total loans | $45,773,250 | 5,747 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 3,310 |
| Cost of funding earning assets | 1.1831% | 5,219 |
| Net interest margin | 4.1481% | 2,341 |
| Noninterest income to average assets | 0.3923% | 4,971 |
| Noninterest expense to average assets | 2.5732% | 5,444 |
| Loan and lease loss provision to assets | 0.0831% | 6,099 |
| Net operating income to assets | 1.2368% | 1,461 |
| Return on assets (ROA) | 1.2368% | 1,524 |
| Pretax return on assets | 1.6058% | 1,290 |
| Return on Equity (ROE) | 7.4388% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.4388% | 1,660 |
| Net charge-offs to loans | 0.0355% | 5,855 |
| Credit loss provision to net charge-offs | 312.5000% | 1,165 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 488 |
| Efficiency ratio | 60.3744% | 5,985 |
| Assets per employee ($millions) | 4.5586% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 2,048 |
| Loan loss allowance to noncurrent loans | 165.7895% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5058% | 4,194 |
| Noncurrent loans to loans | 1.2439% | 4,892 |
| Net loans and leases to total assets | 70.3185% | 2,834 |
| Net loans and leases to deposits | 83.9799% | 2,872 |
| Net loans and leases to core deposits | 84.3920% | 4,088 |
| Total domestic deposits to total assets | 83.7326% | 4,233 |
| Equity capital to assets | 15.9697% | 675 |
| Core capital (leverage) ratio | 16.6438% | 481 |
| Tier 1 risk-based capital ratio | 21.1953% | 1,312 |
| Total risk-based capital ratio | 22.4490% | 1,286 |
| Memoranda: | ||
| Average total assets | $60,157,670 | 6,294 |
| Average earning assets | $56,121,670 | 6,239 |
| Average equity | $10,001,670 | 5,202 |
| Average total loans | $45,021,670 | 5,818 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 2,261 |
| Cost of funding earning assets | 1.1953% | 5,434 |
| Net interest margin | 4.3803% | 1,444 |
| Noninterest income to average assets | 0.3772% | 5,122 |
| Noninterest expense to average assets | 2.8529% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1864% | 1,575 |
| Return on assets (ROA) | 1.1864% | 1,651 |
| Pretax return on assets | 1.5705% | 1,340 |
| Return on Equity (ROE) | 6.9853% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.9853% | 2,139 |
| Net charge-offs to loans | 0.0717% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 28.6250% | 899 |
| Efficiency ratio | 64.4961% | 5,394 |
| Assets per employee ($millions) | 4.5569% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 2,079 |
| Loan loss allowance to noncurrent loans | 43.4783% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 4.7535% | 1,388 |
| Noncurrent loans to loans | 4.6956% | 1,574 |
| Net loans and leases to total assets | 74.5155% | 1,854 |
| Net loans and leases to deposits | 89.9446% | 1,911 |
| Net loans and leases to core deposits | 90.4236% | 3,307 |
| Total domestic deposits to total assets | 82.8460% | 4,700 |
| Equity capital to assets | 16.8670% | 549 |
| Core capital (leverage) ratio | 17.0856% | 450 |
| Tier 1 risk-based capital ratio | 21.5243% | 1,265 |
| Total risk-based capital ratio | 22.7840% | 1,242 |
| Memoranda: | ||
| Average total assets | $58,326,000 | 6,458 |
| Average earning assets | $53,877,000 | 6,396 |
| Average equity | $9,906,500 | 5,264 |
| Average total loans | $44,621,000 | 5,907 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7382% | 2,917 |
| Cost of funding earning assets | 1.4630% | 5,666 |
| Net interest margin | 4.2752% | 1,800 |
| Noninterest income to average assets | 0.4718% | 4,642 |
| Noninterest expense to average assets | 2.6245% | 5,699 |
| Loan and lease loss provision to assets | 0.6812% | 3,099 |
| Net operating income to assets | 0.9265% | 2,087 |
| Return on assets (ROA) | 0.9265% | 2,150 |
| Pretax return on assets | 1.1922% | 1,977 |
| Return on Equity (ROE) | 5.6956% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.6956% | 1,476 |
| Net charge-offs to loans | 0.6564% | 3,220 |
| Credit loss provision to net charge-offs | 134.2282% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.6913% | 3,241 |
| Efficiency ratio | 58.3491% | 6,715 |
| Assets per employee ($millions) | 4.1009% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 1,825 |
| Loan loss allowance to noncurrent loans | 51.4127% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 4.3632% | 1,491 |
| Noncurrent loans to loans | 4.0857% | 1,806 |
| Net loans and leases to total assets | 75.3344% | 1,957 |
| Net loans and leases to deposits | 91.0202% | 2,041 |
| Net loans and leases to core deposits | 101.0042% | 3,901 |
| Total domestic deposits to total assets | 82.7667% | 4,634 |
| Equity capital to assets | 17.1062% | 546 |
| Core capital (leverage) ratio | 16.5998% | 540 |
| Tier 1 risk-based capital ratio | 17.3831% | 2,059 |
| Total risk-based capital ratio | 18.6382% | 2,014 |
| Memoranda: | ||
| Average total assets | $58,716,600 | 6,400 |
| Average earning assets | $55,296,200 | 6,323 |
| Average equity | $9,551,200 | 5,429 |
| Average total loans | $45,400,000 | 5,855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7155% | 3,267 |
| Cost of funding earning assets | 1.5316% | 5,710 |
| Net interest margin | 4.1839% | 2,116 |
| Noninterest income to average assets | 0.4855% | 4,619 |
| Noninterest expense to average assets | 2.6443% | 5,543 |
| Loan and lease loss provision to assets | 0.5646% | 3,131 |
| Net operating income to assets | 0.9010% | 2,417 |
| Return on assets (ROA) | 0.9010% | 2,486 |
| Pretax return on assets | 1.2307% | 2,164 |
| Return on Equity (ROE) | 5.6095% | 3,690 |
| Retained earnings to average equity (ytd only) | 5.6095% | 2,152 |
| Net charge-offs to loans | -0.0058% | 7,640 |
| Credit loss provision to net charge-offs | -12,500.0000% | 7,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5626% | 6,471 |
| Assets per employee ($millions) | 4.2224% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 1,282 |
| Loan loss allowance to noncurrent loans | 44.1984% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 4.1259% | 1,529 |
| Noncurrent loans to loans | 5.2276% | 1,229 |
| Net loans and leases to total assets | 77.1019% | 1,767 |
| Net loans and leases to deposits | 94.9225% | 1,726 |
| Net loans and leases to core deposits | 110.0121% | 3,236 |
| Total domestic deposits to total assets | 81.2261% | 4,988 |
| Equity capital to assets | 16.3667% | 727 |
| Core capital (leverage) ratio | 16.4076% | 624 |
| Tier 1 risk-based capital ratio | 20.9390% | 1,374 |
| Total risk-based capital ratio | 22.2027% | 1,353 |
| Memoranda: | ||
| Average total assets | $59,042,750 | 6,423 |
| Average earning assets | $55,800,500 | 6,345 |
| Average equity | $9,483,750 | 5,493 |
| Average total loans | $45,705,250 | 5,897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7380% | 3,356 |
| Cost of funding earning assets | 1.6046% | 5,727 |
| Net interest margin | 4.1334% | 2,216 |
| Noninterest income to average assets | 0.4338% | 4,999 |
| Noninterest expense to average assets | 2.5754% | 5,834 |
| Loan and lease loss provision to assets | 0.3389% | 3,906 |
| Net operating income to assets | 1.1217% | 1,694 |
| Return on assets (ROA) | 1.1217% | 1,778 |
| Pretax return on assets | 1.4300% | 1,645 |
| Return on Equity (ROE) | 7.0276% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.0276% | 1,574 |
| Net charge-offs to loans | -0.0088% | 7,593 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2824% | 6,651 |
| Assets per employee ($millions) | 4.1796% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 1,532 |
| Loan loss allowance to noncurrent loans | 57.9638% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.7361% | 2,352 |
| Noncurrent loans to loans | 3.4829% | 2,019 |
| Net loans and leases to total assets | 76.9730% | 1,952 |
| Net loans and leases to deposits | 93.2119% | 2,236 |
| Net loans and leases to core deposits | 109.3363% | 3,452 |
| Total domestic deposits to total assets | 82.5785% | 4,437 |
| Equity capital to assets | 16.3995% | 772 |
| Core capital (leverage) ratio | 15.9734% | 744 |
| Tier 1 risk-based capital ratio | 20.9771% | 1,402 |
| Total risk-based capital ratio | 22.2368% | 1,371 |
| Memoranda: | ||
| Average total assets | $59,019,000 | 6,480 |
| Average earning assets | $55,838,000 | 6,401 |
| Average equity | $9,420,000 | 5,542 |
| Average total loans | $45,388,330 | 5,969 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 3,827 |
| Cost of funding earning assets | 1.6609% | 5,773 |
| Net interest margin | 4.0347% | 2,510 |
| Noninterest income to average assets | 0.4724% | 4,572 |
| Noninterest expense to average assets | 2.6050% | 5,428 |
| Loan and lease loss provision to assets | 0.1687% | 4,780 |
| Net operating income to assets | 1.2417% | 1,532 |
| Return on assets (ROA) | 1.2417% | 1,638 |
| Pretax return on assets | 1.5184% | 1,618 |
| Return on Equity (ROE) | 7.8868% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.8868% | 1,858 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6918% | 6,293 |
| Assets per employee ($millions) | 4.3090% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 1,719 |
| Loan loss allowance to noncurrent loans | 62.0262% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.2975% | 2,500 |
| Noncurrent loans to loans | 2.9962% | 2,180 |
| Net loans and leases to total assets | 74.4969% | 2,618 |
| Net loans and leases to deposits | 94.2871% | 2,224 |
| Net loans and leases to core deposits | 110.8532% | 3,328 |
| Total domestic deposits to total assets | 79.0107% | 5,723 |
| Equity capital to assets | 15.6467% | 936 |
| Core capital (leverage) ratio | 16.0397% | 781 |
| Tier 1 risk-based capital ratio | 20.4459% | 1,532 |
| Total risk-based capital ratio | 21.7036% | 1,501 |
| Memoranda: | ||
| Average total assets | $59,271,500 | 6,496 |
| Average earning assets | $56,113,000 | 6,411 |
| Average equity | $9,332,000 | 5,588 |
| Average total loans | $45,098,500 | 6,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9598% | 5,755 |
| Cost of funding earning assets | 2.1328% | 5,916 |
| Net interest margin | 3.8270% | 3,909 |
| Noninterest income to average assets | 0.6211% | 3,704 |
| Noninterest expense to average assets | 2.4825% | 6,081 |
| Loan and lease loss provision to assets | 0.5306% | 2,694 |
| Net operating income to assets | 0.8545% | 3,207 |
| Return on assets (ROA) | 0.6889% | 3,778 |
| Pretax return on assets | 0.9829% | 3,436 |
| Return on Equity (ROE) | 4.3668% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.3668% | 2,403 |
| Net charge-offs to loans | 0.6656% | 1,857 |
| Credit loss provision to net charge-offs | 102.0067% | 5,218 |
| Earnings coverage of net charge-offs (x) | 3.3645% | 4,401 |
| Efficiency ratio | 58.6519% | 6,585 |
| Assets per employee ($millions) | 4.1584% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8602% | 1,506 |
| Loan loss allowance to noncurrent loans | 59.9419% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.3670% | 2,050 |
| Noncurrent loans to loans | 3.1033% | 1,717 |
| Net loans and leases to total assets | 74.8561% | 2,910 |
| Net loans and leases to deposits | 90.2948% | 3,405 |
| Net loans and leases to core deposits | 105.2633% | 4,271 |
| Total domestic deposits to total assets | 82.9019% | 3,812 |
| Equity capital to assets | 15.8459% | 971 |
| Core capital (leverage) ratio | 15.6036% | 904 |
| Tier 1 risk-based capital ratio | 20.7347% | 1,497 |
| Total risk-based capital ratio | 21.9929% | 1,472 |
| Memoranda: | ||
| Average total assets | $57,482,000 | 6,472 |
| Average earning assets | $54,246,800 | 6,399 |
| Average equity | $9,068,400 | 5,718 |
| Average total loans | $44,921,000 | 5,929 |