Home > First Federal Savings Bank of Washington > Performance and Condition Ratios
First Federal Savings Bank of Washington, 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 | 4.6835% | 2,717 |
| Cost of funding earning assets | 1.4586% | 2,055 |
| Net interest margin | 3.2249% | 2,812 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.8629% | 1,359 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.1339% | 4,225 |
| Return on assets (ROA) | 0.1339% | 4,250 |
| Pretax return on assets | 0.1520% | 4,236 |
| Return on Equity (ROE) | 1.1600% | 4,242 |
| Retained earnings to average equity (ytd only) | 1.1608% | 3,799 |
| Net charge-offs to loans | -0.0068% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.4439% | 372 |
| Assets per employee ($millions) | 5.3975% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 4,036 |
| Loan loss allowance to noncurrent loans | 31.7232% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.8922% | 160 |
| Noncurrent loans to loans | 2.4094% | 207 |
| Net loans and leases to total assets | 77.9300% | 877 |
| Net loans and leases to deposits | 92.2970% | 1,065 |
| Net loans and leases to core deposits | 116.3100% | 735 |
| Total domestic deposits to total assets | 84.4400% | 2,492 |
| Equity capital to assets | 11.2360% | 1,394 |
| Core capital (leverage) ratio | 11.7847% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $77,649,800 | 4,036 |
| Average earning assets | $72,467,600 | 4,011 |
| Average equity | $8,959,000 | 3,825 |
| Average total loans | $58,869,600 | 3,724 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 2,787 |
| Cost of funding earning assets | 1.2275% | 2,345 |
| Net interest margin | 3.3292% | 2,621 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.8637% | 1,297 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.2169% | 4,213 |
| Return on assets (ROA) | 0.2169% | 4,228 |
| Pretax return on assets | 0.2603% | 4,197 |
| Return on Equity (ROE) | 1.8700% | 4,210 |
| Retained earnings to average equity (ytd only) | 1.8675% | 3,750 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.3298% | 432 |
| Assets per employee ($millions) | 5.6772% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 4,082 |
| Loan loss allowance to noncurrent loans | 28.7141% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.0156% | 142 |
| Noncurrent loans to loans | 2.5896% | 185 |
| Net loans and leases to total assets | 77.2500% | 967 |
| Net loans and leases to deposits | 91.5533% | 1,091 |
| Net loans and leases to core deposits | 109.8817% | 877 |
| Total domestic deposits to total assets | 84.3800% | 2,670 |
| Equity capital to assets | 11.2127% | 1,269 |
| Core capital (leverage) ratio | 12.2458% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $76,821,500 | 4,061 |
| Average earning assets | $71,686,750 | 4,036 |
| Average equity | $8,924,500 | 3,832 |
| Average total loans | $57,691,250 | 3,747 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 2,713 |
| Cost of funding earning assets | 1.0079% | 2,583 |
| Net interest margin | 3.4668% | 2,353 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.8840% | 1,250 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.3003% | 4,155 |
| Return on assets (ROA) | 0.3003% | 4,184 |
| Pretax return on assets | 0.3687% | 4,159 |
| Return on Equity (ROE) | 2.5500% | 4,212 |
| Retained earnings to average equity (ytd only) | 2.5536% | 3,590 |
| Net charge-offs to loans | 0.0107% | 1,804 |
| Credit loss provision to net charge-offs | 1,500.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 61.6667% | 1,183 |
| Efficiency ratio | 85.5469% | 516 |
| Assets per employee ($millions) | 6.4007% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 4,083 |
| Loan loss allowance to noncurrent loans | 23.0769% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.4542% | 101 |
| Noncurrent loans to loans | 3.2993% | 125 |
| Net loans and leases to total assets | 73.8200% | 1,316 |
| Net loans and leases to deposits | 88.0253% | 1,344 |
| Net loans and leases to core deposits | 101.7315% | 1,147 |
| Total domestic deposits to total assets | 83.8600% | 2,854 |
| Equity capital to assets | 11.6902% | 1,138 |
| Core capital (leverage) ratio | 12.3713% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $75,935,000 | 4,091 |
| Average earning assets | $70,843,000 | 4,067 |
| Average equity | $8,928,667 | 3,855 |
| Average total loans | $56,300,667 | 3,773 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 3,101 |
| Cost of funding earning assets | 0.7889% | 2,772 |
| Net interest margin | 3.3825% | 2,680 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.9087% | 1,216 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.2119% | 4,344 |
| Return on assets (ROA) | 0.2119% | 4,308 |
| Pretax return on assets | 0.2543% | 4,290 |
| Return on Equity (ROE) | 1.8000% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.7970% | 3,735 |
| Net charge-offs to loans | 0.0787% | 679 |
| Credit loss provision to net charge-offs | 200.0000% | 827 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 1,783 |
| Efficiency ratio | 88.6914% | 400 |
| Assets per employee ($millions) | 5.4073% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 4,210 |
| Loan loss allowance to noncurrent loans | 20.6212% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.5944% | 72 |
| Noncurrent loans to loans | 3.5134% | 113 |
| Net loans and leases to total assets | 73.3100% | 1,290 |
| Net loans and leases to deposits | 83.3211% | 1,546 |
| Net loans and leases to core deposits | 98.2647% | 1,163 |
| Total domestic deposits to total assets | 87.9800% | 1,932 |
| Equity capital to assets | 11.8398% | 1,048 |
| Core capital (leverage) ratio | 12.3765% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,498,500 | 4,154 |
| Average earning assets | $70,481,000 | 4,126 |
| Average equity | $8,903,500 | 3,905 |
| Average total loans | $55,884,500 | 3,825 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 2,660 |
| Cost of funding earning assets | 0.2847% | 3,000 |
| Net interest margin | 3.3641% | 2,369 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.9540% | 1,039 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.1670% | 4,469 |
| Return on assets (ROA) | 0.1670% | 4,450 |
| Pretax return on assets | 0.1948% | 4,450 |
| Return on Equity (ROE) | 1.3900% | 4,450 |
| Retained earnings to average equity (ytd only) | 1.3882% | 4,124 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.3893% | 288 |
| Assets per employee ($millions) | 5.3782% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 4,331 |
| Loan loss allowance to noncurrent loans | 17.2607% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 2.6084% | 72 |
| Noncurrent loans to loans | 3.5154% | 111 |
| Net loans and leases to total assets | 73.7500% | 1,240 |
| Net loans and leases to deposits | 86.2519% | 1,294 |
| Net loans and leases to core deposits | 97.5596% | 1,124 |
| Total domestic deposits to total assets | 85.5000% | 2,856 |
| Equity capital to assets | 11.7458% | 1,011 |
| Core capital (leverage) ratio | 12.6406% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $75,458,200 | 4,176 |
| Average earning assets | $70,598,800 | 4,147 |
| Average equity | $9,076,600 | 3,987 |
| Average total loans | $52,123,200 | 3,862 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 2,624 |
| Cost of funding earning assets | 0.2489% | 2,721 |
| Net interest margin | 3.2491% | 2,461 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.8944% | 1,071 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.1307% | 4,527 |
| Return on assets (ROA) | 0.1307% | 4,494 |
| Pretax return on assets | 0.1466% | 4,497 |
| Return on Equity (ROE) | 1.0800% | 4,488 |
| Retained earnings to average equity (ytd only) | 1.0801% | 4,201 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.5642% | 285 |
| Assets per employee ($millions) | 5.2556% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 4,386 |
| Loan loss allowance to noncurrent loans | 16.8348% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 2.5592% | 79 |
| Noncurrent loans to loans | 3.5356% | 120 |
| Net loans and leases to total assets | 71.9500% | 1,304 |
| Net loans and leases to deposits | 81.8079% | 1,459 |
| Net loans and leases to core deposits | 92.4460% | 1,164 |
| Total domestic deposits to total assets | 87.9500% | 2,447 |
| Equity capital to assets | 11.9071% | 905 |
| Core capital (leverage) ratio | 12.4711% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,499,000 | 4,210 |
| Average earning assets | $70,704,750 | 4,184 |
| Average equity | $9,134,750 | 4,021 |
| Average total loans | $51,187,000 | 3,894 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 2,689 |
| Cost of funding earning assets | 0.2044% | 2,859 |
| Net interest margin | 3.1114% | 2,498 |
| Noninterest income to average assets | 0.1182% | 4,408 |
| Noninterest expense to average assets | 2.8789% | 1,030 |
| Loan and lease loss provision to assets | 0.1182% | 851 |
| Net operating income to assets | 0.0473% | 4,556 |
| Return on assets (ROA) | 0.0473% | 4,523 |
| Pretax return on assets | 0.0394% | 4,523 |
| Return on Equity (ROE) | 0.3888% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.3888% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8097% | 271 |
| Assets per employee ($millions) | 5.0155% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5662% | 4,495 |
| Loan loss allowance to noncurrent loans | 16.7426% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.3341% | 96 |
| Noncurrent loans to loans | 3.3821% | 138 |
| Net loans and leases to total assets | 68.6228% | 1,428 |
| Net loans and leases to deposits | 79.5939% | 1,414 |
| Net loans and leases to core deposits | 89.7268% | 1,137 |
| Total domestic deposits to total assets | 86.2162% | 3,191 |
| Equity capital to assets | 12.0027% | 872 |
| Core capital (leverage) ratio | 12.3748% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,139,333 | 4,243 |
| Average earning assets | $71,414,000 | 4,231 |
| Average equity | $9,259,333 | 4,078 |
| Average total loans | $50,496,333 | 3,952 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 2,847 |
| Cost of funding earning assets | 0.1947% | 2,871 |
| Net interest margin | 2.9484% | 2,674 |
| Noninterest income to average assets | 0.1253% | 4,380 |
| Noninterest expense to average assets | 2.7888% | 1,181 |
| Loan and lease loss provision to assets | 0.1149% | 729 |
| Net operating income to assets | 0.0104% | 4,544 |
| Return on assets (ROA) | 0.0104% | 4,522 |
| Pretax return on assets | -0.0104% | 4,525 |
| Return on Equity (ROE) | 0.0853% | 4,523 |
| Retained earnings to average equity (ytd only) | 0.0853% | 4,000 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3899% | 321 |
| Assets per employee ($millions) | 5.0821% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5450% | 4,546 |
| Loan loss allowance to noncurrent loans | 16.3757% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.1789% | 125 |
| Noncurrent loans to loans | 3.3283% | 143 |
| Net loans and leases to total assets | 65.1087% | 1,500 |
| Net loans and leases to deposits | 74.2409% | 1,584 |
| Net loans and leases to core deposits | 82.8211% | 1,306 |
| Total domestic deposits to total assets | 87.6992% | 2,664 |
| Equity capital to assets | 12.1355% | 913 |
| Core capital (leverage) ratio | 12.3079% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,592,500 | 4,264 |
| Average earning assets | $71,904,000 | 4,242 |
| Average equity | $9,374,000 | 4,123 |
| Average total loans | $49,784,000 | 3,976 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 2,164 |
| Cost of funding earning assets | 0.2737% | 2,670 |
| Net interest margin | 3.4106% | 1,992 |
| Noninterest income to average assets | 0.1085% | 4,568 |
| Noninterest expense to average assets | 2.9934% | 991 |
| Loan and lease loss provision to assets | 0.0878% | 1,408 |
| Net operating income to assets | 0.1950% | 4,540 |
| Return on assets (ROA) | 0.1950% | 4,560 |
| Pretax return on assets | 0.2299% | 4,545 |
| Return on Equity (ROE) | 1.5955% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.5955% | 4,093 |
| Net charge-offs to loans | 0.0176% | 1,932 |
| Credit loss provision to net charge-offs | 755.5556% | 632 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,679 |
| Efficiency ratio | 90.4056% | 319 |
| Assets per employee ($millions) | 4.5267% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 4,626 |
| Loan loss allowance to noncurrent loans | 18.9931% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.7036% | 224 |
| Noncurrent loans to loans | 2.6398% | 252 |
| Net loans and leases to total assets | 64.2124% | 1,678 |
| Net loans and leases to deposits | 73.4049% | 1,778 |
| Net loans and leases to core deposits | 82.1581% | 1,449 |
| Total domestic deposits to total assets | 87.4769% | 2,291 |
| Equity capital to assets | 12.3411% | 1,113 |
| Core capital (leverage) ratio | 12.2503% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,437,000 | 4,253 |
| Average earning assets | $72,714,200 | 4,221 |
| Average equity | $9,464,400 | 4,197 |
| Average total loans | $51,243,200 | 3,978 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 2,244 |
| Cost of funding earning assets | 0.2929% | 2,659 |
| Net interest margin | 3.4199% | 2,098 |
| Noninterest income to average assets | 0.1135% | 4,607 |
| Noninterest expense to average assets | 2.8915% | 1,141 |
| Loan and lease loss provision to assets | 0.0774% | 1,521 |
| Net operating income to assets | 0.2871% | 4,538 |
| Return on assets (ROA) | 0.2871% | 4,559 |
| Pretax return on assets | 0.3559% | 4,542 |
| Return on Equity (ROE) | 2.3546% | 4,542 |
| Retained earnings to average equity (ytd only) | 2.3546% | 4,091 |
| Net charge-offs to loans | 0.0516% | 1,148 |
| Credit loss provision to net charge-offs | 225.0000% | 1,155 |
| Earnings coverage of net charge-offs (x) | 12.6000% | 1,949 |
| Efficiency ratio | 86.9700% | 399 |
| Assets per employee ($millions) | 4.4456% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4367% | 4,750 |
| Loan loss allowance to noncurrent loans | 15.4676% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.8392% | 222 |
| Noncurrent loans to loans | 2.8231% | 242 |
| Net loans and leases to total assets | 64.8632% | 1,667 |
| Net loans and leases to deposits | 74.4039% | 1,819 |
| Net loans and leases to core deposits | 86.8920% | 1,227 |
| Total domestic deposits to total assets | 87.1771% | 2,278 |
| Equity capital to assets | 12.6403% | 1,111 |
| Core capital (leverage) ratio | 12.2897% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,557,750 | 4,306 |
| Average earning assets | $72,826,500 | 4,277 |
| Average equity | $9,456,250 | 4,260 |
| Average total loans | $51,638,250 | 4,015 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 2,223 |
| Cost of funding earning assets | 0.3184% | 2,604 |
| Net interest margin | 3.4239% | 2,077 |
| Noninterest income to average assets | 0.1176% | 4,613 |
| Noninterest expense to average assets | 2.7999% | 1,355 |
| Loan and lease loss provision to assets | 0.0767% | 1,555 |
| Net operating income to assets | 0.3784% | 4,426 |
| Return on assets (ROA) | 0.3784% | 4,463 |
| Pretax return on assets | 0.4577% | 4,446 |
| Return on Equity (ROE) | 3.1409% | 4,453 |
| Retained earnings to average equity (ytd only) | 3.1409% | 3,798 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9724% | 550 |
| Assets per employee ($millions) | 4.6179% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4333% | 4,778 |
| Loan loss allowance to noncurrent loans | 19.0807% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.4687% | 395 |
| Noncurrent loans to loans | 2.2708% | 388 |
| Net loans and leases to total assets | 64.3993% | 1,902 |
| Net loans and leases to deposits | 73.3738% | 2,063 |
| Net loans and leases to core deposits | 85.0538% | 1,489 |
| Total domestic deposits to total assets | 87.7688% | 1,948 |
| Equity capital to assets | 12.1038% | 1,314 |
| Core capital (leverage) ratio | 11.9591% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,218,333 | 4,321 |
| Average earning assets | $73,483,333 | 4,290 |
| Average equity | $9,424,000 | 4,274 |
| Average total loans | $52,439,000 | 4,035 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 1,855 |
| Cost of funding earning assets | 0.3544% | 2,491 |
| Net interest margin | 3.5335% | 1,738 |
| Noninterest income to average assets | 0.0973% | 4,698 |
| Noninterest expense to average assets | 2.8895% | 1,172 |
| Loan and lease loss provision to assets | 0.0768% | 1,655 |
| Net operating income to assets | 0.3586% | 4,433 |
| Return on assets (ROA) | 0.3586% | 4,462 |
| Pretax return on assets | 0.4508% | 4,419 |
| Return on Equity (ROE) | 2.9835% | 4,473 |
| Retained earnings to average equity (ytd only) | 2.9835% | 3,787 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5577% | 568 |
| Assets per employee ($millions) | 4.9456% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3920% | 4,832 |
| Loan loss allowance to noncurrent loans | 28.7921% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 959 |
| Noncurrent loans to loans | 1.3614% | 938 |
| Net loans and leases to total assets | 65.8334% | 1,815 |
| Net loans and leases to deposits | 74.8488% | 2,037 |
| Net loans and leases to core deposits | 82.7980% | 1,770 |
| Total domestic deposits to total assets | 87.9553% | 1,865 |
| Equity capital to assets | 11.8918% | 1,341 |
| Core capital (leverage) ratio | 12.0897% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,075,500 | 4,334 |
| Average earning assets | $73,355,000 | 4,307 |
| Average equity | $9,385,000 | 4,284 |
| Average total loans | $53,270,500 | 4,033 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 3,310 |
| Cost of funding earning assets | 0.8872% | 891 |
| Net interest margin | 2.9102% | 4,092 |
| Noninterest income to average assets | 0.1306% | 4,627 |
| Noninterest expense to average assets | 2.9312% | 1,598 |
| Loan and lease loss provision to assets | 0.0768% | 3,421 |
| Net operating income to assets | -0.0934% | 4,780 |
| Return on assets (ROA) | -0.0934% | 4,806 |
| Pretax return on assets | -0.1485% | 4,807 |
| Return on Equity (ROE) | -0.7766% | 4,809 |
| Retained earnings to average equity (ytd only) | -0.7766% | 4,618 |
| Net charge-offs to loans | 0.0036% | 3,241 |
| Credit loss provision to net charge-offs | 3,000.0000% | 328 |
| Earnings coverage of net charge-offs (x) | -28.0000% | 3,424 |
| Efficiency ratio | 102.5067% | 154 |
| Assets per employee ($millions) | 4.5306% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3503% | 4,880 |
| Loan loss allowance to noncurrent loans | 27.5362% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 1,109 |
| Noncurrent loans to loans | 1.2721% | 1,077 |
| Net loans and leases to total assets | 70.1783% | 1,537 |
| Net loans and leases to deposits | 82.4806% | 1,602 |
| Net loans and leases to core deposits | 88.1216% | 1,682 |
| Total domestic deposits to total assets | 85.0846% | 2,728 |
| Equity capital to assets | 12.1525% | 1,499 |
| Core capital (leverage) ratio | 11.7933% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,124,600 | 4,265 |
| Average earning assets | $73,260,400 | 4,249 |
| Average equity | $9,399,800 | 4,262 |
| Average total loans | $55,653,000 | 3,985 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 3,485 |
| Cost of funding earning assets | 0.9686% | 850 |
| Net interest margin | 2.8585% | 4,248 |
| Noninterest income to average assets | 0.1037% | 4,747 |
| Noninterest expense to average assets | 2.8383% | 1,859 |
| Loan and lease loss provision to assets | 0.0765% | 3,362 |
| Net operating income to assets | -0.0782% | 4,803 |
| Return on assets (ROA) | -0.0782% | 4,818 |
| Pretax return on assets | -0.1309% | 4,823 |
| Return on Equity (ROE) | -0.6518% | 4,821 |
| Retained earnings to average equity (ytd only) | -0.6518% | 4,575 |
| Net charge-offs to loans | 0.0119% | 2,680 |
| Credit loss provision to net charge-offs | 900.0000% | 899 |
| Earnings coverage of net charge-offs (x) | -6.4000% | 3,193 |
| Efficiency ratio | 101.9548% | 155 |
| Assets per employee ($millions) | 4.5919% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3048% | 4,931 |
| Loan loss allowance to noncurrent loans | 27.0313% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 1,407 |
| Noncurrent loans to loans | 1.1275% | 1,343 |
| Net loans and leases to total assets | 72.4927% | 1,589 |
| Net loans and leases to deposits | 87.7405% | 1,517 |
| Net loans and leases to core deposits | 93.8365% | 1,655 |
| Total domestic deposits to total assets | 82.6217% | 3,245 |
| Equity capital to assets | 12.0249% | 1,661 |
| Core capital (leverage) ratio | 11.7596% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6205% | 540 |
| Memoranda: | ||
| Average total assets | $78,400,500 | 4,271 |
| Average earning assets | $73,509,000 | 4,249 |
| Average equity | $9,409,750 | 4,278 |
| Average total loans | $56,005,750 | 4,002 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 3,528 |
| Cost of funding earning assets | 1.0542% | 827 |
| Net interest margin | 2.8773% | 4,349 |
| Noninterest income to average assets | 0.1121% | 4,733 |
| Noninterest expense to average assets | 2.8479% | 1,981 |
| Loan and lease loss provision to assets | 0.0764% | 3,338 |
| Net operating income to assets | -0.0662% | 4,816 |
| Return on assets (ROA) | -0.0662% | 4,821 |
| Pretax return on assets | -0.1146% | 4,826 |
| Return on Equity (ROE) | -0.5522% | 4,826 |
| Retained earnings to average equity (ytd only) | -0.5522% | 4,411 |
| Net charge-offs to loans | 0.0179% | 2,366 |
| Credit loss provision to net charge-offs | 600.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 2,967 |
| Efficiency ratio | 101.3599% | 167 |
| Assets per employee ($millions) | 4.4364% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2811% | 4,965 |
| Loan loss allowance to noncurrent loans | 23.7237% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 1,486 |
| Noncurrent loans to loans | 1.1847% | 1,323 |
| Net loans and leases to total assets | 70.2001% | 1,999 |
| Net loans and leases to deposits | 84.5944% | 1,930 |
| Net loans and leases to core deposits | 89.5797% | 2,105 |
| Total domestic deposits to total assets | 82.9844% | 3,092 |
| Equity capital to assets | 11.7800% | 1,790 |
| Core capital (leverage) ratio | 11.7722% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5629% | 620 |
| Memoranda: | ||
| Average total assets | $78,513,000 | 4,272 |
| Average earning assets | $73,610,333 | 4,253 |
| Average equity | $9,417,333 | 4,295 |
| Average total loans | $55,753,333 | 4,023 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 3,587 |
| Cost of funding earning assets | 1.1468% | 917 |
| Net interest margin | 2.9300% | 4,385 |
| Noninterest income to average assets | 0.1131% | 4,779 |
| Noninterest expense to average assets | 2.9599% | 1,984 |
| Loan and lease loss provision to assets | 0.0771% | 2,760 |
| Net operating income to assets | -0.1131% | 4,808 |
| Return on assets (ROA) | -0.1131% | 4,794 |
| Pretax return on assets | -0.1799% | 4,801 |
| Return on Equity (ROE) | -0.9339% | 4,797 |
| Retained earnings to average equity (ytd only) | -0.9339% | 4,130 |
| Net charge-offs to loans | 0.0360% | 1,692 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 2,512 |
| Efficiency ratio | 103.5971% | 198 |
| Assets per employee ($millions) | 4.3006% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2545% | 5,016 |
| Loan loss allowance to noncurrent loans | 15.2128% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 824 |
| Noncurrent loans to loans | 1.6729% | 913 |
| Net loans and leases to total assets | 72.4041% | 1,858 |
| Net loans and leases to deposits | 87.8137% | 1,765 |
| Net loans and leases to core deposits | 92.3239% | 2,124 |
| Total domestic deposits to total assets | 82.4519% | 3,278 |
| Equity capital to assets | 12.1573% | 1,955 |
| Core capital (leverage) ratio | 11.9140% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2343% | 620 |
| Memoranda: | ||
| Average total assets | $77,841,500 | 4,291 |
| Average earning assets | $72,900,500 | 4,275 |
| Average equity | $9,422,500 | 4,308 |
| Average total loans | $55,521,500 | 4,043 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 3,660 |
| Cost of funding earning assets | 1.3409% | 681 |
| Net interest margin | 2.9152% | 4,638 |
| Noninterest income to average assets | 0.1181% | 4,865 |
| Noninterest expense to average assets | 2.8140% | 2,557 |
| Loan and lease loss provision to assets | 0.0788% | 2,420 |
| Net operating income to assets | -0.0066% | 4,973 |
| Return on assets (ROA) | -0.0066% | 4,992 |
| Pretax return on assets | -0.0381% | 4,989 |
| Return on Equity (ROE) | -0.0529% | 4,992 |
| Retained earnings to average equity (ytd only) | -0.0529% | 4,707 |
| Net charge-offs to loans | 0.1182% | 1,566 |
| Credit loss provision to net charge-offs | 95.2381% | 2,587 |
| Earnings coverage of net charge-offs (x) | 0.4921% | 3,611 |
| Efficiency ratio | 98.5747% | 178 |
| Assets per employee ($millions) | 4.1196% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2406% | 5,074 |
| Loan loss allowance to noncurrent loans | 15.7143% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2354% | 931 |
| Noncurrent loans to loans | 1.5314% | 936 |
| Net loans and leases to total assets | 69.9092% | 2,408 |
| Net loans and leases to deposits | 84.6063% | 2,261 |
| Net loans and leases to core deposits | 88.8514% | 2,529 |
| Total domestic deposits to total assets | 82.6287% | 3,324 |
| Equity capital to assets | 12.0527% | 2,105 |
| Core capital (leverage) ratio | 11.6984% | 1,961 |
| Tier 1 risk-based capital ratio | 22.2839% | 990 |
| Total risk-based capital ratio | 22.5997% | 1,089 |
| Memoranda: | ||
| Average total assets | $76,189,200 | 4,347 |
| Average earning assets | $71,520,800 | 4,325 |
| Average equity | $9,459,600 | 4,309 |
| Average total loans | $53,298,400 | 4,117 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 3,573 |
| Cost of funding earning assets | 1.3455% | 685 |
| Net interest margin | 2.9838% | 4,642 |
| Noninterest income to average assets | 0.1198% | 4,917 |
| Noninterest expense to average assets | 2.7488% | 2,716 |
| Loan and lease loss provision to assets | 0.0793% | 2,323 |
| Net operating income to assets | 0.0899% | 5,025 |
| Return on assets (ROA) | 0.0899% | 5,040 |
| Pretax return on assets | 0.0934% | 5,040 |
| Return on Equity (ROE) | 0.7184% | 5,034 |
| Retained earnings to average equity (ytd only) | 0.7184% | 4,619 |
| Net charge-offs to loans | 0.1084% | 1,385 |
| Credit loss provision to net charge-offs | 104.6512% | 2,168 |
| Earnings coverage of net charge-offs (x) | 2.2791% | 3,211 |
| Efficiency ratio | 94.0893% | 227 |
| Assets per employee ($millions) | 3.8446% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2533% | 5,145 |
| Loan loss allowance to noncurrent loans | 13.0352% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5594% | 691 |
| Noncurrent loans to loans | 1.9435% | 709 |
| Net loans and leases to total assets | 70.1539% | 2,445 |
| Net loans and leases to deposits | 85.3000% | 2,283 |
| Net loans and leases to core deposits | 91.6119% | 2,402 |
| Total domestic deposits to total assets | 82.2437% | 3,402 |
| Equity capital to assets | 12.3421% | 2,013 |
| Core capital (leverage) ratio | 12.0449% | 1,820 |
| Tier 1 risk-based capital ratio | 21.7993% | 1,096 |
| Total risk-based capital ratio | 22.1180% | 1,184 |
| Memoranda: | ||
| Average total assets | $75,668,250 | 4,408 |
| Average earning assets | $71,048,000 | 4,384 |
| Average equity | $9,466,000 | 4,357 |
| Average total loans | $52,910,000 | 4,173 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 3,592 |
| Cost of funding earning assets | 1.3041% | 729 |
| Net interest margin | 3.0126% | 4,665 |
| Noninterest income to average assets | 0.1249% | 4,947 |
| Noninterest expense to average assets | 2.7132% | 2,864 |
| Loan and lease loss provision to assets | 0.0797% | 2,237 |
| Net operating income to assets | 0.1408% | 5,034 |
| Return on assets (ROA) | 0.1408% | 5,045 |
| Pretax return on assets | 0.1621% | 5,041 |
| Return on Equity (ROE) | 1.1207% | 5,035 |
| Retained earnings to average equity (ytd only) | 1.1207% | 4,404 |
| Net charge-offs to loans | 0.0228% | 2,390 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 2,001 |
| Efficiency ratio | 91.8165% | 284 |
| Assets per employee ($millions) | 4.2487% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2993% | 5,173 |
| Loan loss allowance to noncurrent loans | 13.8622% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.7548% | 586 |
| Noncurrent loans to loans | 2.1592% | 632 |
| Net loans and leases to total assets | 69.2531% | 2,636 |
| Net loans and leases to deposits | 84.3008% | 2,459 |
| Net loans and leases to core deposits | 90.9625% | 2,514 |
| Total domestic deposits to total assets | 82.1500% | 3,471 |
| Equity capital to assets | 12.4130% | 1,906 |
| Core capital (leverage) ratio | 12.1222% | 1,740 |
| Tier 1 risk-based capital ratio | 15.2603% | 2,730 |
| Total risk-based capital ratio | 15.5191% | 3,095 |
| Memoranda: | ||
| Average total assets | $75,260,670 | 4,446 |
| Average earning assets | $70,702,000 | 4,428 |
| Average equity | $9,458,000 | 4,375 |
| Average total loans | $52,520,330 | 4,206 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 3,662 |
| Cost of funding earning assets | 1.2430% | 787 |
| Net interest margin | 3.0220% | 4,715 |
| Noninterest income to average assets | 0.1607% | 4,772 |
| Noninterest expense to average assets | 2.9095% | 2,252 |
| Loan and lease loss provision to assets | 0.0804% | 2,090 |
| Net operating income to assets | 0.0161% | 5,136 |
| Return on assets (ROA) | 0.0161% | 5,139 |
| Pretax return on assets | 0.0107% | 5,138 |
| Return on Equity (ROE) | 0.1271% | 5,140 |
| Retained earnings to average equity (ytd only) | 0.1271% | 4,500 |
| Net charge-offs to loans | -0.0077% | 4,132 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9643% | 214 |
| Assets per employee ($millions) | 3.9799% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2859% | 5,250 |
| Loan loss allowance to noncurrent loans | 10.8244% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 528 |
| Noncurrent loans to loans | 2.6416% | 479 |
| Net loans and leases to total assets | 69.6346% | 2,543 |
| Net loans and leases to deposits | 84.9265% | 2,271 |
| Net loans and leases to core deposits | 93.3519% | 2,181 |
| Total domestic deposits to total assets | 81.9939% | 3,730 |
| Equity capital to assets | 12.4863% | 1,746 |
| Core capital (leverage) ratio | 12.4965% | 1,519 |
| Tier 1 risk-based capital ratio | 15.3274% | 2,743 |
| Total risk-based capital ratio | 15.5757% | 3,111 |
| Memoranda: | ||
| Average total assets | $74,653,000 | 4,505 |
| Average earning assets | $70,152,500 | 4,485 |
| Average equity | $9,440,500 | 4,412 |
| Average total loans | $52,220,000 | 4,259 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,371 |
| Cost of funding earning assets | 0.7076% | 2,045 |
| Net interest margin | 3.5178% | 3,643 |
| Noninterest income to average assets | 0.2721% | 4,284 |
| Noninterest expense to average assets | 3.3009% | 1,318 |
| Loan and lease loss provision to assets | 0.0634% | 2,895 |
| Net operating income to assets | 0.1546% | 5,143 |
| Return on assets (ROA) | 0.1546% | 5,135 |
| Pretax return on assets | 0.1824% | 5,127 |
| Return on Equity (ROE) | 1.0639% | 5,157 |
| Retained earnings to average equity (ytd only) | 1.0639% | 4,692 |
| Net charge-offs to loans | 0.0232% | 2,949 |
| Credit loss provision to net charge-offs | 372.7273% | 862 |
| Earnings coverage of net charge-offs (x) | 14.4545% | 2,378 |
| Efficiency ratio | 93.0689% | 256 |
| Assets per employee ($millions) | 3.6844% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2615% | 5,306 |
| Loan loss allowance to noncurrent loans | 10.5386% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 523 |
| Noncurrent loans to loans | 2.4810% | 492 |
| Net loans and leases to total assets | 69.8861% | 2,576 |
| Net loans and leases to deposits | 85.7340% | 2,308 |
| Net loans and leases to core deposits | 95.0077% | 2,139 |
| Total domestic deposits to total assets | 81.5151% | 3,786 |
| Equity capital to assets | 12.8096% | 1,431 |
| Core capital (leverage) ratio | 14.1218% | 890 |
| Tier 1 risk-based capital ratio | 22.8239% | 939 |
| Total risk-based capital ratio | 23.1545% | 1,025 |
| Memoranda: | ||
| Average total assets | $64,678,600 | 4,681 |
| Average earning assets | $60,207,600 | 4,663 |
| Average equity | $9,399,600 | 4,401 |
| Average total loans | $47,477,600 | 4,365 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 3,027 |
| Cost of funding earning assets | 0.6327% | 2,254 |
| Net interest margin | 3.6513% | 3,198 |
| Noninterest income to average assets | 0.1367% | 5,087 |
| Noninterest expense to average assets | 3.1738% | 1,586 |
| Loan and lease loss provision to assets | 0.0555% | 2,862 |
| Net operating income to assets | 0.2456% | 5,159 |
| Return on assets (ROA) | 0.2456% | 5,151 |
| Pretax return on assets | 0.2969% | 5,139 |
| Return on Equity (ROE) | 1.6330% | 5,172 |
| Retained earnings to average equity (ytd only) | 1.6330% | 4,689 |
| Net charge-offs to loans | 0.0345% | 2,397 |
| Credit loss provision to net charge-offs | 216.6667% | 1,302 |
| Earnings coverage of net charge-offs (x) | 13.7494% | 2,332 |
| Efficiency ratio | 90.0061% | 325 |
| Assets per employee ($millions) | 3.1359% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2395% | 5,384 |
| Loan loss allowance to noncurrent loans | 8.7436% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 2.1828% | 455 |
| Noncurrent loans to loans | 2.7388% | 441 |
| Net loans and leases to total assets | 79.0427% | 1,160 |
| Net loans and leases to deposits | 93.3949% | 1,453 |
| Net loans and leases to core deposits | 102.2271% | 1,595 |
| Total domestic deposits to total assets | 84.6328% | 2,746 |
| Equity capital to assets | 15.0754% | 698 |
| Core capital (leverage) ratio | 14.9420% | 717 |
| Tier 1 risk-based capital ratio | 24.7106% | 781 |
| Total risk-based capital ratio | 25.0216% | 845 |
| Memoranda: | ||
| Average total assets | $62,426,500 | 4,764 |
| Average earning assets | $57,950,000 | 4,762 |
| Average equity | $9,389,750 | 4,438 |
| Average total loans | $46,439,000 | 4,428 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 3,137 |
| Cost of funding earning assets | 0.5431% | 2,668 |
| Net interest margin | 3.6496% | 3,120 |
| Noninterest income to average assets | 0.1380% | 5,125 |
| Noninterest expense to average assets | 3.1638% | 1,624 |
| Loan and lease loss provision to assets | 0.0545% | 2,816 |
| Net operating income to assets | 0.2535% | 5,179 |
| Return on assets (ROA) | 0.2535% | 5,175 |
| Pretax return on assets | 0.3048% | 5,161 |
| Return on Equity (ROE) | 1.6866% | 5,208 |
| Retained earnings to average equity (ytd only) | 1.6866% | 4,572 |
| Net charge-offs to loans | 0.0485% | 1,917 |
| Credit loss provision to net charge-offs | 154.5455% | 1,546 |
| Earnings coverage of net charge-offs (x) | 10.1818% | 2,348 |
| Efficiency ratio | 89.7996% | 378 |
| Assets per employee ($millions) | 2.8878% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2309% | 5,447 |
| Loan loss allowance to noncurrent loans | 8.1798% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.1485% | 471 |
| Noncurrent loans to loans | 2.8224% | 423 |
| Net loans and leases to total assets | 75.5037% | 1,714 |
| Net loans and leases to deposits | 88.9072% | 1,997 |
| Net loans and leases to core deposits | 99.3600% | 1,784 |
| Total domestic deposits to total assets | 84.9241% | 2,701 |
| Equity capital to assets | 14.8240% | 723 |
| Core capital (leverage) ratio | 15.1759% | 634 |
| Tier 1 risk-based capital ratio | 25.0366% | 729 |
| Total risk-based capital ratio | 25.3316% | 796 |
| Memoranda: | ||
| Average total assets | $62,329,330 | 4,822 |
| Average earning assets | $57,814,000 | 4,820 |
| Average equity | $9,368,000 | 4,482 |
| Average total loans | $45,354,330 | 4,511 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 2,995 |
| Cost of funding earning assets | 0.4547% | 3,173 |
| Net interest margin | 3.7145% | 2,746 |
| Noninterest income to average assets | 0.1620% | 5,051 |
| Noninterest expense to average assets | 3.5122% | 980 |
| Loan and lease loss provision to assets | 0.0518% | 2,737 |
| Net operating income to assets | 0.0583% | 5,352 |
| Return on assets (ROA) | 0.0583% | 5,348 |
| Pretax return on assets | 0.0389% | 5,365 |
| Return on Equity (ROE) | 0.3853% | 5,359 |
| Retained earnings to average equity (ytd only) | 0.3853% | 4,748 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4820% | 217 |
| Assets per employee ($millions) | 2.9140% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2507% | 5,508 |
| Loan loss allowance to noncurrent loans | 12.6808% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 947 |
| Noncurrent loans to loans | 1.9766% | 816 |
| Net loans and leases to total assets | 74.1351% | 1,836 |
| Net loans and leases to deposits | 87.7946% | 1,954 |
| Net loans and leases to core deposits | 95.8627% | 1,988 |
| Total domestic deposits to total assets | 84.4415% | 3,132 |
| Equity capital to assets | 15.2741% | 613 |
| Core capital (leverage) ratio | 15.1148% | 635 |
| Tier 1 risk-based capital ratio | 26.3148% | 659 |
| Total risk-based capital ratio | 26.6329% | 715 |
| Memoranda: | ||
| Average total assets | $61,728,000 | 4,894 |
| Average earning assets | $57,181,000 | 4,891 |
| Average equity | $9,343,000 | 4,530 |
| Average total loans | $43,991,500 | 4,593 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,193 |
| Cost of funding earning assets | 0.4237% | 3,014 |
| Net interest margin | 3.3341% | 4,058 |
| Noninterest income to average assets | 0.1259% | 5,314 |
| Noninterest expense to average assets | 3.3237% | 1,325 |
| Loan and lease loss provision to assets | 0.0091% | 4,089 |
| Net operating income to assets | 0.0592% | 5,296 |
| Return on assets (ROA) | 0.0592% | 5,303 |
| Pretax return on assets | -0.1032% | 5,469 |
| Return on Equity (ROE) | 0.4204% | 5,319 |
| Retained earnings to average equity (ytd only) | 0.4204% | 4,866 |
| Net charge-offs to loans | 0.0124% | 3,648 |
| Credit loss provision to net charge-offs | 120.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | -12.4000% | 4,094 |
| Efficiency ratio | 102.9122% | 141 |
| Assets per employee ($millions) | 2.8300% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2494% | 5,570 |
| Loan loss allowance to noncurrent loans | 8.6109% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.9900% | 565 |
| Noncurrent loans to loans | 2.8963% | 393 |
| Net loans and leases to total assets | 68.0940% | 2,804 |
| Net loans and leases to deposits | 80.3533% | 2,874 |
| Net loans and leases to core deposits | 86.8326% | 2,843 |
| Total domestic deposits to total assets | 84.7433% | 2,930 |
| Equity capital to assets | 14.9998% | 676 |
| Core capital (leverage) ratio | 14.6146% | 708 |
| Tier 1 risk-based capital ratio | 27.6196% | 562 |
| Total risk-based capital ratio | 27.9330% | 601 |
| Memoranda: | ||
| Average total assets | $65,921,000 | 4,850 |
| Average earning assets | $61,366,000 | 4,830 |
| Average equity | $9,276,600 | 4,566 |
| Average total loans | $40,450,400 | 4,717 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6652% | 4,410 |
| Cost of funding earning assets | 0.4110% | 3,075 |
| Net interest margin | 3.2542% | 4,314 |
| Noninterest income to average assets | 0.1117% | 5,439 |
| Noninterest expense to average assets | 3.2716% | 1,404 |
| Loan and lease loss provision to assets | 0.0040% | 4,034 |
| Net operating income to assets | -0.1057% | 5,553 |
| Return on assets (ROA) | -0.1057% | 5,554 |
| Pretax return on assets | -0.1317% | 5,559 |
| Return on Equity (ROE) | -0.7630% | 5,550 |
| Retained earnings to average equity (ytd only) | -0.7630% | 5,327 |
| Net charge-offs to loans | 0.0133% | 3,261 |
| Credit loss provision to net charge-offs | 50.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | -16.0094% | 3,773 |
| Efficiency ratio | 104.0609% | 131 |
| Assets per employee ($millions) | 2.6127% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2477% | 5,639 |
| Loan loss allowance to noncurrent loans | 8.3065% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.9775% | 658 |
| Noncurrent loans to loans | 2.9816% | 434 |
| Net loans and leases to total assets | 66.1616% | 3,080 |
| Net loans and leases to deposits | 77.9578% | 3,166 |
| Net loans and leases to core deposits | 87.3757% | 2,837 |
| Total domestic deposits to total assets | 84.8686% | 2,762 |
| Equity capital to assets | 14.7487% | 799 |
| Core capital (leverage) ratio | 14.3458% | 804 |
| Tier 1 risk-based capital ratio | 27.2859% | 607 |
| Total risk-based capital ratio | 27.5898% | 646 |
| Memoranda: | ||
| Average total assets | $66,836,000 | 4,883 |
| Average earning assets | $62,278,000 | 4,861 |
| Average equity | $9,261,000 | 4,618 |
| Average total loans | $39,937,500 | 4,782 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 4,593 |
| Cost of funding earning assets | 0.3991% | 3,082 |
| Net interest margin | 3.1712% | 4,496 |
| Noninterest income to average assets | 0.1085% | 5,489 |
| Noninterest expense to average assets | 3.2780% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1495% | 5,600 |
| Return on assets (ROA) | -0.1495% | 5,603 |
| Pretax return on assets | -0.2111% | 5,610 |
| Return on Equity (ROE) | -1.1009% | 5,594 |
| Retained earnings to average equity (ytd only) | -1.1009% | 5,247 |
| Net charge-offs to loans | 0.0203% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -18.0000% | 3,489 |
| Efficiency ratio | 106.8834% | 124 |
| Assets per employee ($millions) | 3.2313% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2519% | 5,689 |
| Loan loss allowance to noncurrent loans | 8.8133% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 861 |
| Noncurrent loans to loans | 2.8586% | 470 |
| Net loans and leases to total assets | 58.9289% | 3,929 |
| Net loans and leases to deposits | 68.5125% | 4,023 |
| Net loans and leases to core deposits | 75.9578% | 3,779 |
| Total domestic deposits to total assets | 86.0120% | 2,371 |
| Equity capital to assets | 13.6299% | 1,098 |
| Core capital (leverage) ratio | 13.5283% | 991 |
| Tier 1 risk-based capital ratio | 27.5514% | 578 |
| Total risk-based capital ratio | 27.8522% | 618 |
| Memoranda: | ||
| Average total assets | $68,213,330 | 4,893 |
| Average earning assets | $63,636,000 | 4,878 |
| Average equity | $9,265,330 | 4,632 |
| Average total loans | $39,387,000 | 4,829 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 1,647 |
| Cost of funding earning assets | 0.4811% | 2,239 |
| Net interest margin | 3.9194% | 1,710 |
| Noninterest income to average assets | 0.1111% | 5,553 |
| Noninterest expense to average assets | 3.4098% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3100% | 5,701 |
| Return on assets (ROA) | -0.3100% | 5,701 |
| Pretax return on assets | -0.3919% | 5,710 |
| Return on Equity (ROE) | -2.2861% | 5,689 |
| Retained earnings to average equity (ytd only) | -2.2861% | 5,196 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9845% | 99 |
| Assets per employee ($millions) | 3.2228% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2704% | 5,752 |
| Loan loss allowance to noncurrent loans | 19.1257% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 2,269 |
| Noncurrent loans to loans | 1.4139% | 1,432 |
| Net loans and leases to total assets | 57.2180% | 4,043 |
| Net loans and leases to deposits | 66.5567% | 4,126 |
| Net loans and leases to core deposits | 73.7980% | 3,853 |
| Total domestic deposits to total assets | 85.9689% | 2,679 |
| Equity capital to assets | 13.6632% | 1,014 |
| Core capital (leverage) ratio | 13.4568% | 988 |
| Tier 1 risk-based capital ratio | 28.2498% | 545 |
| Total risk-based capital ratio | 28.5706% | 590 |
| Memoranda: | ||
| Average total assets | $68,391,000 | 4,942 |
| Average earning assets | $50,721,500 | 5,196 |
| Average equity | $9,273,500 | 4,662 |
| Average total loans | $39,036,000 | 4,885 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 4,827 |
| Cost of funding earning assets | 0.3917% | 3,082 |
| Net interest margin | 3.0891% | 4,757 |
| Noninterest income to average assets | 0.0778% | 5,703 |
| Noninterest expense to average assets | 3.1471% | 1,907 |
| Loan and lease loss provision to assets | 0.0029% | 4,297 |
| Net operating income to assets | -0.1383% | 5,696 |
| Return on assets (ROA) | -0.1383% | 5,710 |
| Pretax return on assets | -0.2651% | 5,730 |
| Return on Equity (ROE) | -1.0254% | 5,706 |
| Retained earnings to average equity (ytd only) | -1.0254% | 5,447 |
| Net charge-offs to loans | 0.0154% | 3,782 |
| Credit loss provision to net charge-offs | 33.3333% | 3,554 |
| Earnings coverage of net charge-offs (x) | -30.3333% | 4,266 |
| Efficiency ratio | 109.0909% | 135 |
| Assets per employee ($millions) | 3.1411% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2676% | 5,813 |
| Loan loss allowance to noncurrent loans | 17.3841% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 2,161 |
| Noncurrent loans to loans | 1.5391% | 1,298 |
| Net loans and leases to total assets | 56.6364% | 4,205 |
| Net loans and leases to deposits | 65.7130% | 4,269 |
| Net loans and leases to core deposits | 73.0418% | 4,007 |
| Total domestic deposits to total assets | 86.1875% | 2,499 |
| Equity capital to assets | 13.4580% | 1,071 |
| Core capital (leverage) ratio | 13.4172% | 997 |
| Tier 1 risk-based capital ratio | 27.9523% | 567 |
| Total risk-based capital ratio | 28.2679% | 605 |
| Memoranda: | ||
| Average total assets | $69,396,800 | 4,949 |
| Average earning assets | $63,061,000 | 4,960 |
| Average equity | $9,362,400 | 4,676 |
| Average total loans | $39,018,200 | 4,910 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,342 |
| Cost of funding earning assets | 0.4111% | 2,917 |
| Net interest margin | 3.2604% | 4,312 |
| Noninterest income to average assets | 0.0710% | 5,786 |
| Noninterest expense to average assets | 3.0862% | 2,066 |
| Loan and lease loss provision to assets | 0.0038% | 4,146 |
| Net operating income to assets | -0.1247% | 5,767 |
| Return on assets (ROA) | -0.1247% | 5,784 |
| Pretax return on assets | -0.1574% | 5,785 |
| Return on Equity (ROE) | -0.9241% | 5,775 |
| Retained earnings to average equity (ytd only) | -0.9241% | 5,485 |
| Net charge-offs to loans | 0.0171% | 3,380 |
| Credit loss provision to net charge-offs | 40.0000% | 3,147 |
| Earnings coverage of net charge-offs (x) | -15.9910% | 3,925 |
| Efficiency ratio | 105.2356% | 164 |
| Assets per employee ($millions) | 3.1831% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2763% | 5,867 |
| Loan loss allowance to noncurrent loans | 15.4519% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 2,111 |
| Noncurrent loans to loans | 1.7879% | 1,158 |
| Net loans and leases to total assets | 54.6410% | 4,435 |
| Net loans and leases to deposits | 63.3059% | 4,538 |
| Net loans and leases to core deposits | 70.2349% | 4,306 |
| Total domestic deposits to total assets | 86.3126% | 2,210 |
| Equity capital to assets | 13.3261% | 1,335 |
| Core capital (leverage) ratio | 13.3484% | 1,048 |
| Tier 1 risk-based capital ratio | 28.7324% | 536 |
| Total risk-based capital ratio | 29.0557% | 578 |
| Memoranda: | ||
| Average total assets | $69,470,000 | 4,985 |
| Average earning assets | $60,973,000 | 5,041 |
| Average equity | $9,378,000 | 4,724 |
| Average total loans | $38,962,000 | 4,957 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 4,709 |
| Cost of funding earning assets | 0.3979% | 3,060 |
| Net interest margin | 3.1615% | 4,666 |
| Noninterest income to average assets | 0.0577% | 5,899 |
| Noninterest expense to average assets | 3.0310% | 2,250 |
| Loan and lease loss provision to assets | 0.0058% | 3,945 |
| Net operating income to assets | -0.0520% | 5,795 |
| Return on assets (ROA) | -0.0520% | 5,816 |
| Pretax return on assets | -0.0664% | 5,816 |
| Return on Equity (ROE) | -0.3833% | 5,814 |
| Retained earnings to average equity (ytd only) | -0.3833% | 5,352 |
| Net charge-offs to loans | 0.0358% | 2,736 |
| Credit loss provision to net charge-offs | 28.5714% | 2,868 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 3,612 |
| Efficiency ratio | 102.0408% | 217 |
| Assets per employee ($millions) | 3.2989% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2689% | 5,951 |
| Loan loss allowance to noncurrent loans | 17.6271% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 2,461 |
| Noncurrent loans to loans | 1.5257% | 1,425 |
| Net loans and leases to total assets | 55.6693% | 4,350 |
| Net loans and leases to deposits | 64.6527% | 4,445 |
| Net loans and leases to core deposits | 71.8389% | 4,194 |
| Total domestic deposits to total assets | 86.1051% | 2,367 |
| Equity capital to assets | 13.5370% | 1,221 |
| Core capital (leverage) ratio | 13.3267% | 1,047 |
| Tier 1 risk-based capital ratio | 30.0808% | 492 |
| Total risk-based capital ratio | 30.4144% | 529 |
| Memoranda: | ||
| Average total assets | $69,284,000 | 5,041 |
| Average earning assets | $63,830,330 | 5,034 |
| Average equity | $9,393,330 | 4,757 |
| Average total loans | $39,159,330 | 4,999 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 4,848 |
| Cost of funding earning assets | 0.3868% | 3,223 |
| Net interest margin | 3.1305% | 4,779 |
| Noninterest income to average assets | 0.0462% | 5,981 |
| Noninterest expense to average assets | 2.9558% | 2,526 |
| Loan and lease loss provision to assets | 0.0058% | 3,600 |
| Net operating income to assets | 0.0577% | 5,733 |
| Return on assets (ROA) | 0.0577% | 5,771 |
| Pretax return on assets | 0.0750% | 5,761 |
| Return on Equity (ROE) | 0.4255% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.4255% | 5,012 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3384% | 361 |
| Assets per employee ($millions) | 3.1549% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2777% | 6,015 |
| Loan loss allowance to noncurrent loans | 15.1811% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 2,145 |
| Noncurrent loans to loans | 1.8292% | 1,215 |
| Net loans and leases to total assets | 56.3955% | 4,210 |
| Net loans and leases to deposits | 65.5277% | 4,302 |
| Net loans and leases to core deposits | 74.1710% | 3,879 |
| Total domestic deposits to total assets | 86.0636% | 2,647 |
| Equity capital to assets | 13.5518% | 1,161 |
| Core capital (leverage) ratio | 13.4253% | 1,013 |
| Tier 1 risk-based capital ratio | 30.0041% | 509 |
| Total risk-based capital ratio | 30.3518% | 538 |
| Memoranda: | ||
| Average total assets | $69,287,500 | 5,087 |
| Average earning assets | $66,186,500 | 5,018 |
| Average equity | $9,401,000 | 4,778 |
| Average total loans | $39,404,000 | 5,031 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 4,935 |
| Cost of funding earning assets | 0.4100% | 3,048 |
| Net interest margin | 3.0848% | 4,940 |
| Noninterest income to average assets | 0.0698% | 5,950 |
| Noninterest expense to average assets | 2.7883% | 3,284 |
| Loan and lease loss provision to assets | 0.0043% | 4,308 |
| Net operating income to assets | 0.1581% | 5,662 |
| Return on assets (ROA) | 0.1581% | 5,710 |
| Pretax return on assets | 0.2236% | 5,659 |
| Return on Equity (ROE) | 1.1898% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.1898% | 5,030 |
| Net charge-offs to loans | -0.0100% | 5,113 |
| Credit loss provision to net charge-offs | -75.0000% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4457% | 549 |
| Assets per employee ($millions) | 3.4584% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2756% | 6,067 |
| Loan loss allowance to noncurrent loans | 12.1246% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 1,634 |
| Noncurrent loans to loans | 2.2727% | 850 |
| Net loans and leases to total assets | 57.0315% | 4,196 |
| Net loans and leases to deposits | 66.2763% | 4,293 |
| Net loans and leases to core deposits | 75.7576% | 3,777 |
| Total domestic deposits to total assets | 86.0512% | 2,616 |
| Equity capital to assets | 13.5845% | 1,096 |
| Core capital (leverage) ratio | 13.6504% | 919 |
| Tier 1 risk-based capital ratio | 29.5240% | 528 |
| Total risk-based capital ratio | 29.8633% | 561 |
| Memoranda: | ||
| Average total assets | $70,221,200 | 5,089 |
| Average earning assets | $67,070,400 | 5,013 |
| Average equity | $9,329,400 | 4,786 |
| Average total loans | $39,894,800 | 5,022 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 4,935 |
| Cost of funding earning assets | 0.4299% | 2,905 |
| Net interest margin | 3.0903% | 4,988 |
| Noninterest income to average assets | 0.0738% | 6,035 |
| Noninterest expense to average assets | 2.8790% | 2,912 |
| Loan and lease loss provision to assets | -0.0076% | 5,812 |
| Net operating income to assets | 0.1135% | 5,827 |
| Return on assets (ROA) | 0.1135% | 5,868 |
| Pretax return on assets | 0.1532% | 5,842 |
| Return on Equity (ROE) | 0.8590% | 5,877 |
| Retained earnings to average equity (ytd only) | 0.8590% | 5,361 |
| Net charge-offs to loans | -0.0133% | 5,072 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1845% | 448 |
| Assets per employee ($millions) | 3.3700% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2589% | 6,161 |
| Loan loss allowance to noncurrent loans | 11.6705% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 1,806 |
| Noncurrent loans to loans | 2.2188% | 986 |
| Net loans and leases to total assets | 58.2908% | 4,104 |
| Net loans and leases to deposits | 68.1196% | 4,181 |
| Net loans and leases to core deposits | 76.1218% | 3,786 |
| Total domestic deposits to total assets | 85.5712% | 2,750 |
| Equity capital to assets | 13.8650% | 1,082 |
| Core capital (leverage) ratio | 13.4977% | 1,019 |
| Tier 1 risk-based capital ratio | 29.7649% | 540 |
| Total risk-based capital ratio | 30.0898% | 571 |
| Memoranda: | ||
| Average total assets | $70,484,750 | 5,143 |
| Average earning assets | $67,305,000 | 5,066 |
| Average equity | $9,312,750 | 4,846 |
| Average total loans | $39,979,500 | 5,066 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 5,024 |
| Cost of funding earning assets | 0.4508% | 2,712 |
| Net interest margin | 3.0354% | 5,137 |
| Noninterest income to average assets | 0.0867% | 6,067 |
| Noninterest expense to average assets | 2.8526% | 3,060 |
| Loan and lease loss provision to assets | -0.0140% | 5,968 |
| Net operating income to assets | 0.1147% | 5,855 |
| Return on assets (ROA) | 0.1147% | 5,908 |
| Pretax return on assets | 0.1482% | 5,881 |
| Return on Equity (ROE) | 0.8815% | 5,919 |
| Retained earnings to average equity (ytd only) | 0.8815% | 5,215 |
| Net charge-offs to loans | -0.0199% | 5,174 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5056% | 454 |
| Assets per employee ($millions) | 3.5275% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2551% | 6,230 |
| Loan loss allowance to noncurrent loans | 15.2338% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 2,656 |
| Noncurrent loans to loans | 1.6745% | 1,556 |
| Net loans and leases to total assets | 55.9802% | 4,337 |
| Net loans and leases to deposits | 64.8133% | 4,458 |
| Net loans and leases to core deposits | 74.0420% | 3,955 |
| Total domestic deposits to total assets | 86.3714% | 2,498 |
| Equity capital to assets | 13.2204% | 1,293 |
| Core capital (leverage) ratio | 13.0406% | 1,150 |
| Tier 1 risk-based capital ratio | 29.2860% | 577 |
| Total risk-based capital ratio | 29.6031% | 617 |
| Memoranda: | ||
| Average total assets | $71,513,000 | 5,169 |
| Average earning assets | $68,326,000 | 5,085 |
| Average equity | $9,302,000 | 4,884 |
| Average total loans | $40,176,000 | 5,097 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4583% | 5,067 |
| Cost of funding earning assets | 0.4425% | 2,855 |
| Net interest margin | 3.0158% | 5,168 |
| Noninterest income to average assets | 0.1111% | 6,031 |
| Noninterest expense to average assets | 2.9669% | 2,682 |
| Loan and lease loss provision to assets | -0.0333% | 6,133 |
| Net operating income to assets | 0.0444% | 5,961 |
| Return on assets (ROA) | 0.0444% | 6,005 |
| Pretax return on assets | 0.0556% | 5,992 |
| Return on Equity (ROE) | 0.3445% | 6,007 |
| Retained earnings to average equity (ytd only) | 0.3445% | 5,259 |
| Net charge-offs to loans | -0.0198% | 5,045 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2565% | 386 |
| Assets per employee ($millions) | 3.5663% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2459% | 6,312 |
| Loan loss allowance to noncurrent loans | 11.4889% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 2,245 |
| Noncurrent loans to loans | 2.1402% | 1,195 |
| Net loans and leases to total assets | 55.7412% | 4,231 |
| Net loans and leases to deposits | 65.4765% | 4,202 |
| Net loans and leases to core deposits | 72.4942% | 3,917 |
| Total domestic deposits to total assets | 85.1316% | 3,343 |
| Equity capital to assets | 13.0303% | 1,383 |
| Core capital (leverage) ratio | 12.8606% | 1,211 |
| Tier 1 risk-based capital ratio | 29.1229% | 590 |
| Total risk-based capital ratio | 29.4300% | 629 |
| Memoranda: | ||
| Average total assets | $71,994,500 | 5,198 |
| Average earning assets | $68,704,000 | 5,124 |
| Average equity | $9,289,500 | 4,920 |
| Average total loans | $40,466,500 | 5,121 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 5,449 |
| Cost of funding earning assets | 0.5380% | 2,306 |
| Net interest margin | 2.9016% | 5,641 |
| Noninterest income to average assets | 0.0519% | 6,286 |
| Noninterest expense to average assets | 2.5353% | 4,434 |
| Loan and lease loss provision to assets | -0.0428% | 6,009 |
| Net operating income to assets | 0.2218% | 5,724 |
| Return on assets (ROA) | 0.2218% | 5,788 |
| Pretax return on assets | 0.3359% | 5,633 |
| Return on Equity (ROE) | 1.8557% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.8557% | 4,875 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6378% | 867 |
| Assets per employee ($millions) | 3.3029% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2483% | 6,402 |
| Loan loss allowance to noncurrent loans | 41.1290% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 4,690 |
| Noncurrent loans to loans | 0.6037% | 3,862 |
| Net loans and leases to total assets | 56.3905% | 4,274 |
| Net loans and leases to deposits | 65.9950% | 4,328 |
| Net loans and leases to core deposits | 74.6969% | 3,850 |
| Total domestic deposits to total assets | 85.4465% | 3,106 |
| Equity capital to assets | 12.7782% | 1,481 |
| Core capital (leverage) ratio | 12.7782% | 1,217 |
| Tier 1 risk-based capital ratio | 28.8659% | 575 |
| Total risk-based capital ratio | 29.1830% | 608 |
| Memoranda: | ||
| Average total assets | $77,110,400 | 5,124 |
| Average earning assets | $73,787,400 | 5,043 |
| Average equity | $9,215,000 | 4,918 |
| Average total loans | $41,148,200 | 5,141 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 5,559 |
| Cost of funding earning assets | 0.5358% | 2,413 |
| Net interest margin | 2.8820% | 5,740 |
| Noninterest income to average assets | 0.0494% | 6,387 |
| Noninterest expense to average assets | 2.3641% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2898% | 5,620 |
| Return on assets (ROA) | 0.2898% | 5,689 |
| Pretax return on assets | 0.4449% | 5,482 |
| Return on Equity (ROE) | 2.4644% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.4644% | 4,821 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1626% | 1,371 |
| Assets per employee ($millions) | 3.9378% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3256% | 6,457 |
| Loan loss allowance to noncurrent loans | 51.1364% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 4,863 |
| Noncurrent loans to loans | 0.6367% | 4,023 |
| Net loans and leases to total assets | 55.2400% | 4,433 |
| Net loans and leases to deposits | 64.3278% | 4,503 |
| Net loans and leases to core deposits | 74.0349% | 3,933 |
| Total domestic deposits to total assets | 85.8726% | 2,919 |
| Equity capital to assets | 12.4086% | 1,765 |
| Core capital (leverage) ratio | 12.4086% | 1,455 |
| Tier 1 risk-based capital ratio | 28.3888% | 622 |
| Total risk-based capital ratio | 28.8016% | 653 |
| Memoranda: | ||
| Average total assets | $78,222,250 | 5,165 |
| Average earning assets | $74,899,250 | 5,069 |
| Average equity | $9,197,500 | 4,961 |
| Average total loans | $41,166,000 | 5,184 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3783% | 5,666 |
| Cost of funding earning assets | 0.5473% | 2,373 |
| Net interest margin | 2.8310% | 5,850 |
| Noninterest income to average assets | 0.0504% | 6,445 |
| Noninterest expense to average assets | 2.3237% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2898% | 5,604 |
| Return on assets (ROA) | 0.2898% | 5,671 |
| Pretax return on assets | 0.4385% | 5,457 |
| Return on Equity (ROE) | 2.5085% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.5085% | 4,606 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1241% | 1,499 |
| Assets per employee ($millions) | 4.2296% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3303% | 6,524 |
| Loan loss allowance to noncurrent loans | 89.4040% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 5,568 |
| Noncurrent loans to loans | 0.3694% | 4,883 |
| Net loans and leases to total assets | 50.6975% | 4,888 |
| Net loans and leases to deposits | 58.3070% | 5,013 |
| Net loans and leases to core deposits | 67.5476% | 4,503 |
| Total domestic deposits to total assets | 86.9492% | 2,477 |
| Equity capital to assets | 11.4854% | 2,438 |
| Core capital (leverage) ratio | 11.4854% | 2,013 |
| Tier 1 risk-based capital ratio | 27.3530% | 680 |
| Total risk-based capital ratio | 27.7531% | 718 |
| Memoranda: | ||
| Average total assets | $79,356,670 | 5,171 |
| Average earning assets | $76,014,330 | 5,073 |
| Average equity | $9,168,670 | 4,992 |
| Average total loans | $41,066,330 | 5,227 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 5,597 |
| Cost of funding earning assets | 0.5668% | 2,276 |
| Net interest margin | 2.8550% | 5,841 |
| Noninterest income to average assets | 0.0355% | 6,526 |
| Noninterest expense to average assets | 2.4450% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2486% | 5,670 |
| Return on assets (ROA) | 0.2486% | 5,712 |
| Pretax return on assets | 0.3247% | 5,666 |
| Return on Equity (ROE) | 2.1449% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.1449% | 4,745 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2784% | 1,198 |
| Assets per employee ($millions) | 4.2176% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3312% | 6,600 |
| Loan loss allowance to noncurrent loans | 23.7676% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 3,907 |
| Noncurrent loans to loans | 1.3936% | 2,697 |
| Net loans and leases to total assets | 50.6938% | 4,831 |
| Net loans and leases to deposits | 58.2893% | 4,915 |
| Net loans and leases to core deposits | 67.5451% | 4,352 |
| Total domestic deposits to total assets | 86.9693% | 2,829 |
| Equity capital to assets | 11.4333% | 2,306 |
| Core capital (leverage) ratio | 11.4333% | 2,019 |
| Tier 1 risk-based capital ratio | 27.1845% | 701 |
| Total risk-based capital ratio | 27.5851% | 745 |
| Memoranda: | ||
| Average total assets | $78,853,500 | 5,230 |
| Average earning assets | $75,516,000 | 5,134 |
| Average equity | $9,138,000 | 5,013 |
| Average total loans | $41,161,000 | 5,272 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 5,268 |
| Cost of funding earning assets | 0.6703% | 2,036 |
| Net interest margin | 2.9844% | 5,613 |
| Noninterest income to average assets | 0.0703% | 6,483 |
| Noninterest expense to average assets | 2.2347% | 5,542 |
| Loan and lease loss provision to assets | 0.0064% | 4,996 |
| Net operating income to assets | 0.4255% | 5,054 |
| Return on assets (ROA) | 0.4255% | 5,169 |
| Pretax return on assets | 0.6848% | 4,597 |
| Return on Equity (ROE) | 3.7190% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.7190% | 3,572 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3755% | 2,720 |
| Assets per employee ($millions) | 3.8787% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3248% | 6,677 |
| Loan loss allowance to noncurrent loans | 24.9077% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 4,157 |
| Noncurrent loans to loans | 1.3040% | 2,958 |
| Net loans and leases to total assets | 53.4065% | 4,668 |
| Net loans and leases to deposits | 61.6806% | 4,759 |
| Net loans and leases to core deposits | 68.0413% | 4,508 |
| Total domestic deposits to total assets | 86.5855% | 2,949 |
| Equity capital to assets | 11.7489% | 1,987 |
| Core capital (leverage) ratio | 11.7489% | 1,793 |
| Tier 1 risk-based capital ratio | 27.0140% | 680 |
| Total risk-based capital ratio | 27.4142% | 739 |
| Memoranda: | ||
| Average total assets | $78,267,200 | 5,276 |
| Average earning assets | $74,889,200 | 5,178 |
| Average equity | $8,954,000 | 5,091 |
| Average total loans | $42,868,600 | 5,238 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 5,219 |
| Cost of funding earning assets | 0.6857% | 2,052 |
| Net interest margin | 2.9949% | 5,607 |
| Noninterest income to average assets | 0.0544% | 6,622 |
| Noninterest expense to average assets | 2.1791% | 5,653 |
| Loan and lease loss provision to assets | 0.0068% | 4,841 |
| Net operating income to assets | 0.4555% | 5,008 |
| Return on assets (ROA) | 0.4555% | 5,143 |
| Pretax return on assets | 0.7343% | 4,559 |
| Return on Equity (ROE) | 4.0085% | 5,221 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,845 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6217% | 2,962 |
| Assets per employee ($millions) | 3.9673% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3216% | 6,763 |
| Loan loss allowance to noncurrent loans | 28.3898% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 4,655 |
| Noncurrent loans to loans | 1.1327% | 3,541 |
| Net loans and leases to total assets | 52.3486% | 4,835 |
| Net loans and leases to deposits | 60.2329% | 4,945 |
| Net loans and leases to core deposits | 67.3608% | 4,585 |
| Total domestic deposits to total assets | 86.9103% | 2,747 |
| Equity capital to assets | 11.4059% | 2,376 |
| Core capital (leverage) ratio | 11.4059% | 2,120 |
| Tier 1 risk-based capital ratio | 26.4095% | 753 |
| Total risk-based capital ratio | 26.8005% | 813 |
| Memoranda: | ||
| Average total assets | $78,440,750 | 5,328 |
| Average earning assets | $75,059,000 | 5,221 |
| Average equity | $8,914,000 | 5,158 |
| Average total loans | $43,194,750 | 5,274 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 5,024 |
| Cost of funding earning assets | 0.7147% | 1,964 |
| Net interest margin | 3.0248% | 5,507 |
| Noninterest income to average assets | 0.0563% | 6,652 |
| Noninterest expense to average assets | 2.2370% | 5,534 |
| Loan and lease loss provision to assets | 0.0077% | 4,698 |
| Net operating income to assets | 0.4479% | 5,022 |
| Return on assets (ROA) | 0.4479% | 5,191 |
| Pretax return on assets | 0.7039% | 4,673 |
| Return on Equity (ROE) | 3.9465% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.9465% | 3,786 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8681% | 2,810 |
| Assets per employee ($millions) | 3.8975% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3128% | 6,808 |
| Loan loss allowance to noncurrent loans | 30.1587% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 4,500 |
| Noncurrent loans to loans | 1.0373% | 3,860 |
| Net loans and leases to total assets | 54.3720% | 4,532 |
| Net loans and leases to deposits | 62.6088% | 4,670 |
| Net loans and leases to core deposits | 68.7422% | 4,427 |
| Total domestic deposits to total assets | 86.8441% | 2,914 |
| Equity capital to assets | 11.4907% | 2,304 |
| Core capital (leverage) ratio | 11.4907% | 1,941 |
| Tier 1 risk-based capital ratio | 26.1015% | 761 |
| Total risk-based capital ratio | 26.4891% | 830 |
| Memoranda: | ||
| Average total assets | $78,139,330 | 5,369 |
| Average earning assets | $74,715,670 | 5,258 |
| Average equity | $8,868,670 | 5,205 |
| Average total loans | $43,703,000 | 5,276 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,924 |
| Cost of funding earning assets | 0.7432% | 1,903 |
| Net interest margin | 3.0263% | 5,502 |
| Noninterest income to average assets | 0.0409% | 6,758 |
| Noninterest expense to average assets | 2.2906% | 5,455 |
| Loan and lease loss provision to assets | 0.0102% | 4,323 |
| Net operating income to assets | 0.4346% | 4,980 |
| Return on assets (ROA) | 0.4346% | 5,140 |
| Pretax return on assets | 0.6340% | 4,824 |
| Return on Equity (ROE) | 3.8529% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.8529% | 3,926 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0488% | 2,601 |
| Assets per employee ($millions) | 3.9517% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3043% | 6,890 |
| Loan loss allowance to noncurrent loans | 25.2390% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 4,720 |
| Noncurrent loans to loans | 1.2058% | 3,757 |
| Net loans and leases to total assets | 54.7113% | 4,292 |
| Net loans and leases to deposits | 62.7950% | 4,444 |
| Net loans and leases to core deposits | 68.7451% | 4,218 |
| Total domestic deposits to total assets | 87.1269% | 2,889 |
| Equity capital to assets | 11.2194% | 2,716 |
| Core capital (leverage) ratio | 11.2194% | 2,082 |
| Tier 1 risk-based capital ratio | 25.6665% | 822 |
| Total risk-based capital ratio | 26.0486% | 902 |
| Memoranda: | ||
| Average total assets | $78,234,000 | 5,412 |
| Average earning assets | $74,811,500 | 5,298 |
| Average equity | $8,824,500 | 5,267 |
| Average total loans | $44,296,500 | 5,291 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 4,686 |
| Cost of funding earning assets | 0.9394% | 1,713 |
| Net interest margin | 3.2326% | 5,484 |
| Noninterest income to average assets | 0.0488% | 6,697 |
| Noninterest expense to average assets | 2.1489% | 6,025 |
| Loan and lease loss provision to assets | 0.0175% | 5,684 |
| Net operating income to assets | 0.5813% | 4,327 |
| Return on assets (ROA) | 0.5813% | 4,590 |
| Pretax return on assets | 0.9538% | 3,727 |
| Return on Equity (ROE) | 5.4396% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.4396% | 2,423 |
| Net charge-offs to loans | -0.0062% | 6,404 |
| Credit loss provision to net charge-offs | -466.6667% | 6,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8702% | 3,993 |
| Assets per employee ($millions) | 4.0755% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2875% | 6,948 |
| Loan loss allowance to noncurrent loans | 45.2962% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 5,585 |
| Noncurrent loans to loans | 0.6347% | 4,934 |
| Net loans and leases to total assets | 58.2308% | 3,934 |
| Net loans and leases to deposits | 67.0827% | 4,123 |
| Net loans and leases to core deposits | 74.6577% | 3,699 |
| Total domestic deposits to total assets | 86.8044% | 2,931 |
| Equity capital to assets | 11.3411% | 2,590 |
| Core capital (leverage) ratio | 11.3411% | 1,983 |
| Tier 1 risk-based capital ratio | 25.1360% | 839 |
| Total risk-based capital ratio | 25.5080% | 922 |
| Memoranda: | ||
| Average total assets | $79,995,400 | 5,349 |
| Average earning assets | $76,007,600 | 5,245 |
| Average equity | $8,548,400 | 5,350 |
| Average total loans | $48,757,200 | 5,151 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 4,787 |
| Cost of funding earning assets | 0.9845% | 1,657 |
| Net interest margin | 3.2255% | 5,634 |
| Noninterest income to average assets | 0.0513% | 6,795 |
| Noninterest expense to average assets | 2.1545% | 6,053 |
| Loan and lease loss provision to assets | 0.0182% | 5,575 |
| Net operating income to assets | 0.5771% | 4,488 |
| Return on assets (ROA) | 0.5771% | 4,762 |
| Pretax return on assets | 0.9392% | 3,962 |
| Return on Equity (ROE) | 5.4808% | 4,609 |
| Retained earnings to average equity (ytd only) | 5.4808% | 3,051 |
| Net charge-offs to loans | -0.0081% | 6,327 |
| Credit loss provision to net charge-offs | -366.6667% | 6,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2349% | 3,830 |
| Assets per employee ($millions) | 4.0925% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2716% | 7,062 |
| Loan loss allowance to noncurrent loans | 37.2434% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 5,571 |
| Noncurrent loans to loans | 0.7293% | 4,967 |
| Net loans and leases to total assets | 59.9655% | 3,794 |
| Net loans and leases to deposits | 70.0183% | 3,893 |
| Net loans and leases to core deposits | 77.5840% | 3,519 |
| Total domestic deposits to total assets | 85.6426% | 3,442 |
| Equity capital to assets | 11.1461% | 3,101 |
| Core capital (leverage) ratio | 11.1461% | 2,257 |
| Tier 1 risk-based capital ratio | 24.3202% | 978 |
| Total risk-based capital ratio | 24.6766% | 1,088 |
| Memoranda: | ||
| Average total assets | $80,635,500 | 5,386 |
| Average earning assets | $76,514,000 | 5,281 |
| Average equity | $8,490,000 | 5,416 |
| Average total loans | $49,641,250 | 5,183 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 4,894 |
| Cost of funding earning assets | 1.0279% | 1,595 |
| Net interest margin | 3.1874% | 5,775 |
| Noninterest income to average assets | 0.0466% | 6,865 |
| Noninterest expense to average assets | 2.1668% | 6,089 |
| Loan and lease loss provision to assets | 0.0196% | 5,421 |
| Net operating income to assets | 0.5491% | 4,589 |
| Return on assets (ROA) | 0.5491% | 4,866 |
| Pretax return on assets | 0.8775% | 4,167 |
| Return on Equity (ROE) | 5.3137% | 4,661 |
| Retained earnings to average equity (ytd only) | 5.3137% | 3,084 |
| Net charge-offs to loans | -0.0119% | 6,311 |
| Credit loss provision to net charge-offs | -266.6667% | 6,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7200% | 3,646 |
| Assets per employee ($millions) | 4.2674% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2517% | 7,135 |
| Loan loss allowance to noncurrent loans | 47.8764% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 5,966 |
| Noncurrent loans to loans | 0.5258% | 5,469 |
| Net loans and leases to total assets | 60.6043% | 3,710 |
| Net loans and leases to deposits | 70.1200% | 3,876 |
| Net loans and leases to core deposits | 78.9074% | 3,376 |
| Total domestic deposits to total assets | 86.4295% | 3,118 |
| Equity capital to assets | 10.5365% | 3,640 |
| Core capital (leverage) ratio | 10.5365% | 2,769 |
| Tier 1 risk-based capital ratio | 22.4544% | 1,205 |
| Total risk-based capital ratio | 22.7803% | 1,354 |
| Memoranda: | ||
| Average total assets | $81,594,670 | 5,391 |
| Average earning assets | $77,241,670 | 5,292 |
| Average equity | $8,431,000 | 5,437 |
| Average total loans | $50,603,330 | 5,172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 4,769 |
| Cost of funding earning assets | 1.0847% | 1,479 |
| Net interest margin | 3.2073% | 5,765 |
| Noninterest income to average assets | 0.0489% | 6,936 |
| Noninterest expense to average assets | 2.1942% | 6,054 |
| Loan and lease loss provision to assets | 0.0293% | 4,996 |
| Net operating income to assets | 0.5620% | 4,540 |
| Return on assets (ROA) | 0.5620% | 4,758 |
| Pretax return on assets | 0.8454% | 4,244 |
| Return on Equity (ROE) | 5.4925% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.4925% | 3,265 |
| Net charge-offs to loans | -0.0078% | 5,879 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4968% | 3,535 |
| Assets per employee ($millions) | 4.5855% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2375% | 7,195 |
| Loan loss allowance to noncurrent loans | 30.2267% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 5,658 |
| Noncurrent loans to loans | 0.7859% | 5,100 |
| Net loans and leases to total assets | 61.0572% | 3,438 |
| Net loans and leases to deposits | 70.4691% | 3,661 |
| Net loans and leases to core deposits | 79.0377% | 3,178 |
| Total domestic deposits to total assets | 86.6439% | 3,153 |
| Equity capital to assets | 10.2158% | 3,835 |
| Core capital (leverage) ratio | 10.2158% | 3,086 |
| Tier 1 risk-based capital ratio | 22.0693% | 1,275 |
| Total risk-based capital ratio | 22.3833% | 1,435 |
| Memoranda: | ||
| Average total assets | $81,852,000 | 5,419 |
| Average earning assets | $77,073,000 | 5,326 |
| Average equity | $8,375,000 | 5,480 |
| Average total loans | $51,274,000 | 5,172 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 4,192 |
| Cost of funding earning assets | 1.3186% | 1,393 |
| Net interest margin | 3.3932% | 5,503 |
| Noninterest income to average assets | 0.0801% | 6,718 |
| Noninterest expense to average assets | 2.0280% | 6,627 |
| Loan and lease loss provision to assets | 0.0338% | 6,138 |
| Net operating income to assets | 0.6898% | 3,538 |
| Return on assets (ROA) | 0.6898% | 3,721 |
| Pretax return on assets | 1.1367% | 2,705 |
| Return on Equity (ROE) | 6.8526% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.8526% | 1,575 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4051% | 5,231 |
| Assets per employee ($millions) | 4.0583% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2172% | 7,254 |
| Loan loss allowance to noncurrent loans | 23.6897% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 5,500 |
| Noncurrent loans to loans | 0.9167% | 4,858 |
| Net loans and leases to total assets | 63.9672% | 3,198 |
| Net loans and leases to deposits | 73.5793% | 3,566 |
| Net loans and leases to core deposits | 84.1379% | 2,874 |
| Total domestic deposits to total assets | 86.9365% | 2,801 |
| Equity capital to assets | 10.2483% | 3,856 |
| Core capital (leverage) ratio | 10.2483% | 3,030 |
| Tier 1 risk-based capital ratio | 22.7237% | 1,129 |
| Total risk-based capital ratio | 23.0324% | 1,239 |
| Memoranda: | ||
| Average total assets | $79,883,400 | 5,459 |
| Average earning assets | $73,412,000 | 5,422 |
| Average equity | $8,040,800 | 5,560 |
| Average total loans | $53,375,400 | 5,134 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 4,102 |
| Cost of funding earning assets | 1.3733% | 1,354 |
| Net interest margin | 3.4077% | 5,546 |
| Noninterest income to average assets | 0.0838% | 6,824 |
| Noninterest expense to average assets | 1.9975% | 6,696 |
| Loan and lease loss provision to assets | 0.0352% | 5,995 |
| Net operating income to assets | 0.7189% | 3,511 |
| Return on assets (ROA) | 0.7189% | 3,686 |
| Pretax return on assets | 1.1781% | 2,701 |
| Return on Equity (ROE) | 7.1754% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.1754% | 1,873 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2129% | 5,377 |
| Assets per employee ($millions) | 4.1265% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1988% | 7,330 |
| Loan loss allowance to noncurrent loans | 92.9825% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 6,681 |
| Noncurrent loans to loans | 0.2138% | 6,447 |
| Net loans and leases to total assets | 67.8715% | 2,505 |
| Net loans and leases to deposits | 78.4173% | 2,901 |
| Net loans and leases to core deposits | 89.1730% | 2,342 |
| Total domestic deposits to total assets | 86.5517% | 2,907 |
| Equity capital to assets | 10.4535% | 3,767 |
| Core capital (leverage) ratio | 10.4535% | 2,925 |
| Tier 1 risk-based capital ratio | 22.2948% | 1,238 |
| Total risk-based capital ratio | 22.5831% | 1,373 |
| Memoranda: | ||
| Average total assets | $79,563,000 | 5,517 |
| Average earning assets | $73,010,250 | 5,478 |
| Average equity | $7,971,500 | 5,609 |
| Average total loans | $53,711,250 | 5,176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 4,418 |
| Cost of funding earning assets | 1.4083% | 1,382 |
| Net interest margin | 3.3168% | 5,810 |
| Noninterest income to average assets | 0.0826% | 6,914 |
| Noninterest expense to average assets | 2.0438% | 6,702 |
| Loan and lease loss provision to assets | 0.0375% | 5,842 |
| Net operating income to assets | 0.6554% | 3,773 |
| Return on assets (ROA) | 0.6554% | 3,897 |
| Pretax return on assets | 1.0532% | 3,034 |
| Return on Equity (ROE) | 6.6357% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.6357% | 2,062 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2035% | 5,022 |
| Assets per employee ($millions) | 4.2214% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2221% | 7,386 |
| Loan loss allowance to noncurrent loans | 66.2983% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 6,558 |
| Noncurrent loans to loans | 0.3349% | 6,245 |
| Net loans and leases to total assets | 67.2269% | 2,785 |
| Net loans and leases to deposits | 79.4565% | 2,898 |
| Net loans and leases to core deposits | 91.8366% | 2,158 |
| Total domestic deposits to total assets | 84.6084% | 4,067 |
| Equity capital to assets | 10.0105% | 4,135 |
| Core capital (leverage) ratio | 10.0105% | 3,247 |
| Tier 1 risk-based capital ratio | 21.4204% | 1,338 |
| Total risk-based capital ratio | 21.7405% | 1,490 |
| Memoranda: | ||
| Average total assets | $79,949,330 | 5,549 |
| Average earning assets | $73,565,670 | 5,505 |
| Average equity | $7,896,670 | 5,649 |
| Average total loans | $53,841,670 | 5,221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 4,202 |
| Cost of funding earning assets | 1.4436% | 1,421 |
| Net interest margin | 3.3263% | 5,690 |
| Noninterest income to average assets | 0.0702% | 7,036 |
| Noninterest expense to average assets | 2.0997% | 6,633 |
| Loan and lease loss provision to assets | 0.0451% | 5,436 |
| Net operating income to assets | 0.6314% | 3,860 |
| Return on assets (ROA) | 0.6314% | 3,928 |
| Pretax return on assets | 0.9622% | 3,278 |
| Return on Equity (ROE) | 6.4364% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.4364% | 2,401 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5806% | 4,745 |
| Assets per employee ($millions) | 4.2607% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2138% | 7,438 |
| Loan loss allowance to noncurrent loans | 46.5306% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 5,879 |
| Noncurrent loans to loans | 0.4595% | 6,093 |
| Net loans and leases to total assets | 65.7270% | 3,082 |
| Net loans and leases to deposits | 77.5017% | 3,152 |
| Net loans and leases to core deposits | 77.5017% | 4,088 |
| Total domestic deposits to total assets | 84.8072% | 4,126 |
| Equity capital to assets | 9.7501% | 4,109 |
| Core capital (leverage) ratio | 9.7501% | 3,446 |
| Tier 1 risk-based capital ratio | 21.1043% | 1,373 |
| Total risk-based capital ratio | 21.4091% | 1,523 |
| Memoranda: | ||
| Average total assets | $79,821,000 | 5,594 |
| Average earning assets | $72,873,000 | 5,572 |
| Average equity | $7,830,500 | 5,669 |
| Average total loans | $53,742,500 | 5,266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 3,984 |
| Cost of funding earning assets | 1.7979% | 1,177 |
| Net interest margin | 3.3261% | 5,886 |
| Noninterest income to average assets | 0.2449% | 6,045 |
| Noninterest expense to average assets | 2.0607% | 6,929 |
| Loan and lease loss provision to assets | 0.0889% | 6,257 |
| Net operating income to assets | 0.6946% | 3,248 |
| Return on assets (ROA) | 0.6946% | 3,377 |
| Pretax return on assets | 1.1470% | 2,412 |
| Return on Equity (ROE) | 7.1634% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.1634% | 1,259 |
| Net charge-offs to loans | 0.0267% | 6,541 |
| Credit loss provision to net charge-offs | 460.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 63.9333% | 372 |
| Efficiency ratio | 62.5098% | 5,629 |
| Assets per employee ($millions) | 4.3716% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1939% | 7,528 |
| Loan loss allowance to noncurrent loans | 51.7241% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 6,013 |
| Noncurrent loans to loans | 0.3748% | 6,304 |
| Net loans and leases to total assets | 68.6983% | 2,813 |
| Net loans and leases to deposits | 81.4016% | 2,919 |
| Net loans and leases to core deposits | 94.9335% | 2,138 |
| Total domestic deposits to total assets | 84.3943% | 4,176 |
| Equity capital to assets | 9.8718% | 3,908 |
| Core capital (leverage) ratio | 9.8718% | 3,242 |
| Tier 1 risk-based capital ratio | 20.7778% | 1,349 |
| Total risk-based capital ratio | 21.0587% | 1,495 |
| Memoranda: | ||
| Average total assets | $77,594,600 | 5,655 |
| Average earning assets | $71,193,800 | 5,624 |
| Average equity | $7,524,400 | 5,868 |
| Average total loans | $56,184,000 | 5,225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 3,770 |
| Cost of funding earning assets | 1.8712% | 1,132 |
| Net interest margin | 3.3414% | 5,875 |
| Noninterest income to average assets | 0.2845% | 5,836 |
| Noninterest expense to average assets | 2.0072% | 7,038 |
| Loan and lease loss provision to assets | 0.0414% | 6,675 |
| Net operating income to assets | 0.7898% | 3,045 |
| Return on assets (ROA) | 0.7898% | 3,211 |
| Pretax return on assets | 1.2967% | 2,180 |
| Return on Equity (ROE) | 8.1818% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.1818% | 1,360 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,952 |
| Assets per employee ($millions) | 4.3323% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2119% | 7,636 |
| Loan loss allowance to noncurrent loans | 42.5455% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 5,812 |
| Noncurrent loans to loans | 0.4980% | 6,203 |
| Net loans and leases to total assets | 70.6573% | 2,574 |
| Net loans and leases to deposits | 85.0597% | 2,509 |
| Net loans and leases to core deposits | 97.6293% | 2,084 |
| Total domestic deposits to total assets | 83.0679% | 4,565 |
| Equity capital to assets | 9.8625% | 4,338 |
| Core capital (leverage) ratio | 9.8625% | 3,413 |
| Tier 1 risk-based capital ratio | 20.5587% | 1,434 |
| Total risk-based capital ratio | 20.8714% | 1,592 |
| Memoranda: | ||
| Average total assets | $77,321,000 | 5,737 |
| Average earning assets | $70,826,250 | 5,711 |
| Average equity | $7,463,500 | 5,963 |
| Average total loans | $56,689,250 | 5,286 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 3,334 |
| Cost of funding earning assets | 1.9248% | 1,131 |
| Net interest margin | 3.4024% | 5,636 |
| Noninterest income to average assets | 0.4021% | 4,899 |
| Noninterest expense to average assets | 2.0622% | 6,992 |
| Loan and lease loss provision to assets | 0.0311% | 6,632 |
| Net operating income to assets | 0.8768% | 2,633 |
| Return on assets (ROA) | 0.8768% | 2,767 |
| Pretax return on assets | 1.4267% | 1,761 |
| Return on Equity (ROE) | 9.1504% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.1504% | 1,061 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5851% | 6,293 |
| Assets per employee ($millions) | 4.6252% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2167% | 7,702 |
| Loan loss allowance to noncurrent loans | 20.1613% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 5,433 |
| Noncurrent loans to loans | 1.0747% | 5,166 |
| Net loans and leases to total assets | 73.2093% | 2,106 |
| Net loans and leases to deposits | 91.9625% | 1,538 |
| Net loans and leases to core deposits | 91.9625% | 2,996 |
| Total domestic deposits to total assets | 79.6078% | 5,856 |
| Equity capital to assets | 9.6289% | 4,500 |
| Core capital (leverage) ratio | 9.6289% | 3,640 |
| Tier 1 risk-based capital ratio | 19.6043% | 1,580 |
| Total risk-based capital ratio | 19.9280% | 1,762 |
| Memoranda: | ||
| Average total assets | $77,100,670 | 5,774 |
| Average earning assets | $70,656,000 | 5,750 |
| Average equity | $7,387,670 | 6,003 |
| Average total loans | $57,180,000 | 5,298 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4303% | 2,897 |
| Cost of funding earning assets | 1.9919% | 1,117 |
| Net interest margin | 3.4384% | 5,434 |
| Noninterest income to average assets | 0.0629% | 7,406 |
| Noninterest expense to average assets | 2.1536% | 6,797 |
| Loan and lease loss provision to assets | 0.0314% | 6,363 |
| Net operating income to assets | 0.6655% | 3,586 |
| Return on assets (ROA) | 0.6655% | 3,700 |
| Pretax return on assets | 1.0165% | 3,029 |
| Return on Equity (ROE) | 6.9627% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.9627% | 2,150 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2668% | 4,862 |
| Assets per employee ($millions) | 4.4952% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2095% | 7,807 |
| Loan loss allowance to noncurrent loans | 19.1011% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 5,526 |
| Noncurrent loans to loans | 1.0969% | 5,163 |
| Net loans and leases to total assets | 74.1658% | 1,933 |
| Net loans and leases to deposits | 95.0334% | 1,226 |
| Net loans and leases to core deposits | 95.0334% | 2,695 |
| Total domestic deposits to total assets | 78.0418% | 6,307 |
| Equity capital to assets | 9.6312% | 4,332 |
| Core capital (leverage) ratio | 9.6312% | 3,593 |
| Tier 1 risk-based capital ratio | 19.4864% | 1,616 |
| Total risk-based capital ratio | 19.8014% | 1,787 |
| Memoranda: | ||
| Average total assets | $76,337,000 | 5,868 |
| Average earning assets | $69,683,500 | 5,857 |
| Average equity | $7,296,000 | 6,086 |
| Average total loans | $56,926,000 | 5,387 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 4,674 |
| Cost of funding earning assets | 2.5402% | 921 |
| Net interest margin | 2.8661% | 6,926 |
| Noninterest income to average assets | 0.0976% | 7,274 |
| Noninterest expense to average assets | 2.0241% | 7,334 |
| Loan and lease loss provision to assets | 0.0619% | 6,947 |
| Net operating income to assets | 0.4070% | 4,102 |
| Return on assets (ROA) | 0.4070% | 4,208 |
| Pretax return on assets | 0.6600% | 3,706 |
| Return on Equity (ROE) | 4.1829% | 4,008 |
| Retained earnings to average equity (ytd only) | 4.1829% | 2,292 |
| Net charge-offs to loans | 0.0135% | 7,029 |
| Credit loss provision to net charge-offs | 642.8571% | 457 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 362 |
| Efficiency ratio | 73.7106% | 3,956 |
| Assets per employee ($millions) | 4.4856% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1980% | 7,884 |
| Loan loss allowance to noncurrent loans | 15.8485% | 7,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 5,234 |
| Noncurrent loans to loans | 1.2496% | 4,862 |
| Net loans and leases to total assets | 74.6748% | 2,101 |
| Net loans and leases to deposits | 95.5532% | 1,382 |
| Net loans and leases to core deposits | 165.5638% | 279 |
| Total domestic deposits to total assets | 78.1499% | 6,184 |
| Equity capital to assets | 9.4838% | 4,434 |
| Core capital (leverage) ratio | 9.4838% | 3,741 |
| Tier 1 risk-based capital ratio | 19.0934% | 1,635 |
| Total risk-based capital ratio | 19.3917% | 1,810 |
| Memoranda: | ||
| Average total assets | $72,722,600 | 5,924 |
| Average earning assets | $67,199,600 | 5,894 |
| Average equity | $7,076,400 | 6,248 |
| Average total loans | $51,891,400 | 5,592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3955% | 4,970 |
| Cost of funding earning assets | 2.6256% | 968 |
| Net interest margin | 2.7699% | 7,100 |
| Noninterest income to average assets | 0.0891% | 7,452 |
| Noninterest expense to average assets | 1.9747% | 7,428 |
| Loan and lease loss provision to assets | 0.0724% | 6,631 |
| Net operating income to assets | 0.3823% | 4,470 |
| Return on assets (ROA) | 0.3823% | 4,573 |
| Pretax return on assets | 0.6069% | 4,163 |
| Return on Equity (ROE) | 3.9028% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.9028% | 3,111 |
| Net charge-offs to loans | 0.0184% | 6,655 |
| Credit loss provision to net charge-offs | 557.1429% | 697 |
| Earnings coverage of net charge-offs (x) | 52.3033% | 604 |
| Efficiency ratio | 74.4056% | 3,801 |
| Assets per employee ($millions) | 4.2718% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1977% | 7,979 |
| Loan loss allowance to noncurrent loans | 15.6204% | 7,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 5,184 |
| Noncurrent loans to loans | 1.2654% | 4,828 |
| Net loans and leases to total assets | 74.3972% | 2,410 |
| Net loans and leases to deposits | 96.3908% | 1,524 |
| Net loans and leases to core deposits | 159.9266% | 382 |
| Total domestic deposits to total assets | 77.1829% | 6,295 |
| Equity capital to assets | 9.8360% | 4,308 |
| Core capital (leverage) ratio | 9.8360% | 3,472 |
| Tier 1 risk-based capital ratio | 19.6631% | 1,624 |
| Total risk-based capital ratio | 19.9576% | 1,776 |
| Memoranda: | ||
| Average total assets | $71,839,250 | 5,985 |
| Average earning assets | $66,523,250 | 5,954 |
| Average equity | $7,037,500 | 6,306 |
| Average total loans | $50,600,000 | 5,685 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4252% | 5,012 |
| Cost of funding earning assets | 2.7383% | 940 |
| Net interest margin | 2.6869% | 7,228 |
| Noninterest income to average assets | 0.0838% | 7,560 |
| Noninterest expense to average assets | 1.9838% | 7,487 |
| Loan and lease loss provision to assets | 0.0838% | 6,341 |
| Net operating income to assets | 0.3297% | 4,762 |
| Return on assets (ROA) | 0.3297% | 4,877 |
| Pretax return on assets | 0.5001% | 4,614 |
| Return on Equity (ROE) | 3.3703% | 4,758 |
| Retained earnings to average equity (ytd only) | 3.3703% | 3,446 |
| Net charge-offs to loans | 0.0607% | 5,653 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 13.9333% | 1,697 |
| Efficiency ratio | 77.2579% | 3,461 |
| Assets per employee ($millions) | 4.4439% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1770% | 8,079 |
| Loan loss allowance to noncurrent loans | 14.4462% | 7,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 5,227 |
| Noncurrent loans to loans | 1.2254% | 4,755 |
| Net loans and leases to total assets | 71.3791% | 3,384 |
| Net loans and leases to deposits | 89.6473% | 2,880 |
| Net loans and leases to core deposits | 147.6937% | 711 |
| Total domestic deposits to total assets | 79.6222% | 5,581 |
| Equity capital to assets | 9.9238% | 4,056 |
| Core capital (leverage) ratio | 9.9238% | 3,377 |
| Tier 1 risk-based capital ratio | 20.1450% | 1,552 |
| Total risk-based capital ratio | 20.4020% | 1,701 |
| Memoranda: | ||
| Average total assets | $71,578,670 | 6,040 |
| Average earning assets | $66,172,330 | 5,999 |
| Average equity | $7,002,330 | 6,370 |
| Average total loans | $49,421,670 | 5,792 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 5,497 |
| Cost of funding earning assets | 2.7532% | 1,105 |
| Net interest margin | 2.6327% | 7,325 |
| Noninterest income to average assets | 0.1058% | 7,507 |
| Noninterest expense to average assets | 1.8491% | 7,634 |
| Loan and lease loss provision to assets | 0.0835% | 5,887 |
| Net operating income to assets | 0.4289% | 4,750 |
| Return on assets (ROA) | 0.4289% | 4,925 |
| Pretax return on assets | 0.6071% | 4,735 |
| Return on Equity (ROE) | 4.4155% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.4155% | 3,458 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8070% | 4,038 |
| Assets per employee ($millions) | 4.3239% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1852% | 8,123 |
| Loan loss allowance to noncurrent loans | 16.7598% | 7,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 5,143 |
| Noncurrent loans to loans | 1.1053% | 4,777 |
| Net loans and leases to total assets | 65.9733% | 4,588 |
| Net loans and leases to deposits | 84.9166% | 3,834 |
| Net loans and leases to core deposits | 145.9638% | 862 |
| Total domestic deposits to total assets | 77.6919% | 6,108 |
| Equity capital to assets | 9.5419% | 4,618 |
| Core capital (leverage) ratio | 9.5419% | 3,934 |
| Tier 1 risk-based capital ratio | 20.4216% | 1,538 |
| Total risk-based capital ratio | 20.6836% | 1,679 |
| Memoranda: | ||
| Average total assets | $71,817,000 | 6,074 |
| Average earning assets | $66,395,500 | 6,026 |
| Average equity | $6,975,500 | 6,420 |
| Average total loans | $48,711,500 | 5,855 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 6,875 |
| Cost of funding earning assets | 3.3713% | 757 |
| Net interest margin | 2.2960% | 7,911 |
| Noninterest income to average assets | 0.0718% | 7,784 |
| Noninterest expense to average assets | 1.8174% | 7,736 |
| Loan and lease loss provision to assets | 0.0166% | 7,177 |
| Net operating income to assets | 0.2431% | 5,725 |
| Return on assets (ROA) | 0.2431% | 5,542 |
| Pretax return on assets | 0.3522% | 5,386 |
| Return on Equity (ROE) | 2.5712% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.5712% | 3,585 |
| Net charge-offs to loans | -0.0399% | 8,005 |
| Credit loss provision to net charge-offs | -66.6667% | 7,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1333% | 2,161 |
| Assets per employee ($millions) | 4.3829% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1536% | 8,192 |
| Loan loss allowance to noncurrent loans | 11.5031% | 7,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 4,504 |
| Noncurrent loans to loans | 1.3350% | 3,846 |
| Net loans and leases to total assets | 69.5353% | 4,130 |
| Net loans and leases to deposits | 90.5904% | 3,348 |
| Net loans and leases to core deposits | 94.4672% | 5,404 |
| Total domestic deposits to total assets | 76.7579% | 6,050 |
| Equity capital to assets | 9.8921% | 4,168 |
| Core capital (leverage) ratio | 9.8921% | 3,555 |
| Tier 1 risk-based capital ratio | 20.4897% | 1,535 |
| Total risk-based capital ratio | 20.7112% | 1,675 |
| Memoranda: | ||
| Average total assets | $72,411,800 | 5,950 |
| Average earning assets | $66,680,200 | 5,945 |
| Average equity | $6,845,000 | 6,506 |
| Average total loans | $45,059,600 | 5,925 |