Home > First Savings and Loan Association > Performance and Condition Ratios
First Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 3,168 |
| Cost of funding earning assets | 2.1307% | 731 |
| Net interest margin | 2.3296% | 4,236 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.1468% | 3,266 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.1146% | 4,240 |
| Return on assets (ROA) | 0.1146% | 4,267 |
| Pretax return on assets | 0.2092% | 4,189 |
| Return on Equity (ROE) | 0.5200% | 4,302 |
| Retained earnings to average equity (ytd only) | 0.5185% | 3,954 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.9547% | 332 |
| Assets per employee ($millions) | 10.1067% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6020% | 4,243 |
| Loan loss allowance to noncurrent loans | 145.5172% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,019 |
| Noncurrent loans to loans | 0.4137% | 1,747 |
| Net loans and leases to total assets | 57.4500% | 3,086 |
| Net loans and leases to deposits | 74.7516% | 2,560 |
| Net loans and leases to core deposits | 90.6744% | 2,005 |
| Total domestic deposits to total assets | 76.8600% | 3,859 |
| Equity capital to assets | 21.9476% | 239 |
| Core capital (leverage) ratio | 21.8945% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.1403% | 99 |
| Memoranda: | ||
| Average total assets | $60,230,200 | 4,212 |
| Average earning assets | $56,319,000 | 4,183 |
| Average equity | $13,308,000 | 3,395 |
| Average total loans | $34,243,600 | 4,076 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 2,988 |
| Cost of funding earning assets | 1.9349% | 802 |
| Net interest margin | 2.5267% | 4,113 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.2684% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1264% | 4,296 |
| Return on assets (ROA) | 0.1264% | 4,313 |
| Pretax return on assets | 0.2217% | 4,232 |
| Return on Equity (ROE) | 0.5700% | 4,352 |
| Retained earnings to average equity (ytd only) | 0.5711% | 4,036 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.0953% | 344 |
| Assets per employee ($millions) | 10.1383% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 4,152 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 2,065 |
| Noncurrent loans to loans | 0.4163% | 1,789 |
| Net loans and leases to total assets | 56.4700% | 3,161 |
| Net loans and leases to deposits | 73.3823% | 2,616 |
| Net loans and leases to core deposits | 87.6614% | 2,079 |
| Total domestic deposits to total assets | 76.9500% | 3,929 |
| Equity capital to assets | 21.8576% | 245 |
| Core capital (leverage) ratio | 21.8598% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.2599% | 100 |
| Memoranda: | ||
| Average total assets | $60,127,750 | 4,232 |
| Average earning assets | $56,092,500 | 4,203 |
| Average equity | $13,307,750 | 3,394 |
| Average total loans | $34,042,250 | 4,099 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 2,955 |
| Cost of funding earning assets | 1.6464% | 974 |
| Net interest margin | 2.7260% | 3,939 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.2974% | 2,816 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.2538% | 4,224 |
| Return on assets (ROA) | 0.2538% | 4,246 |
| Pretax return on assets | 0.3473% | 4,184 |
| Return on Equity (ROE) | 1.1400% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.1419% | 3,885 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.7855% | 503 |
| Assets per employee ($millions) | 10.1697% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,153 |
| Loan loss allowance to noncurrent loans | 304.8780% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 2,606 |
| Noncurrent loans to loans | 0.2358% | 2,316 |
| Net loans and leases to total assets | 56.5800% | 3,078 |
| Net loans and leases to deposits | 73.8328% | 2,514 |
| Net loans and leases to core deposits | 88.4205% | 1,904 |
| Total domestic deposits to total assets | 76.6300% | 3,991 |
| Equity capital to assets | 21.8231% | 231 |
| Core capital (leverage) ratio | 21.4736% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.4601% | 94 |
| Memoranda: | ||
| Average total assets | $59,893,667 | 4,249 |
| Average earning assets | $55,758,667 | 4,232 |
| Average equity | $13,311,667 | 3,408 |
| Average total loans | $33,859,333 | 4,116 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 2,917 |
| Cost of funding earning assets | 1.1436% | 1,620 |
| Net interest margin | 3.1102% | 3,326 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.3798% | 2,583 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5393% | 3,815 |
| Return on assets (ROA) | 0.5393% | 3,775 |
| Pretax return on assets | 0.6337% | 3,785 |
| Return on Equity (ROE) | 2.4000% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.4043% | 3,627 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4444% | 959 |
| Assets per employee ($millions) | 10.3750% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 4,214 |
| Loan loss allowance to noncurrent loans | 296.3415% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,593 |
| Noncurrent loans to loans | 0.2431% | 2,283 |
| Net loans and leases to total assets | 53.7900% | 3,215 |
| Net loans and leases to deposits | 69.6696% | 2,641 |
| Net loans and leases to core deposits | 83.9480% | 1,985 |
| Total domestic deposits to total assets | 77.2100% | 4,068 |
| Equity capital to assets | 21.3976% | 203 |
| Core capital (leverage) ratio | 22.7077% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.3811% | 95 |
| Memoranda: | ||
| Average total assets | $59,331,500 | 4,315 |
| Average earning assets | $54,916,500 | 4,294 |
| Average equity | $13,309,500 | 3,443 |
| Average total loans | $33,403,000 | 4,178 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 1,637 |
| Cost of funding earning assets | 0.3983% | 2,122 |
| Net interest margin | 3.6331% | 1,545 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.5375% | 2,001 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6596% | 3,734 |
| Return on assets (ROA) | 0.6596% | 3,683 |
| Pretax return on assets | 0.7570% | 3,726 |
| Return on Equity (ROE) | 2.9500% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.9550% | 3,733 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.0758% | 1,003 |
| Assets per employee ($millions) | 9.4022% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5472% | 4,399 |
| Loan loss allowance to noncurrent loans | 220.7317% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,521 |
| Noncurrent loans to loans | 0.2479% | 2,283 |
| Net loans and leases to total assets | 58.3100% | 2,792 |
| Net loans and leases to deposits | 77.5227% | 1,997 |
| Net loans and leases to core deposits | 91.7908% | 1,401 |
| Total domestic deposits to total assets | 75.2200% | 4,301 |
| Equity capital to assets | 23.5744% | 167 |
| Core capital (leverage) ratio | 23.3549% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.5749% | 88 |
| Memoranda: | ||
| Average total assets | $58,522,400 | 4,346 |
| Average earning assets | $51,719,600 | 4,354 |
| Average equity | $13,062,800 | 3,564 |
| Average total loans | $31,583,200 | 4,216 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 1,358 |
| Cost of funding earning assets | 0.3525% | 1,680 |
| Net interest margin | 3.6006% | 1,391 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.6192% | 1,669 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5080% | 4,052 |
| Return on assets (ROA) | 0.5080% | 4,002 |
| Pretax return on assets | 0.6051% | 3,978 |
| Return on Equity (ROE) | 2.3100% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.3070% | 3,958 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.4438% | 747 |
| Assets per employee ($millions) | 9.6075% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5373% | 4,445 |
| Loan loss allowance to noncurrent loans | 51.9757% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 932 |
| Noncurrent loans to loans | 1.0337% | 736 |
| Net loans and leases to total assets | 54.9200% | 3,012 |
| Net loans and leases to deposits | 72.4898% | 2,166 |
| Net loans and leases to core deposits | 86.9769% | 1,468 |
| Total domestic deposits to total assets | 75.7600% | 4,379 |
| Equity capital to assets | 22.7895% | 165 |
| Core capital (leverage) ratio | 22.4695% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7796% | 94 |
| Memoranda: | ||
| Average total assets | $59,049,750 | 4,380 |
| Average earning assets | $51,434,000 | 4,393 |
| Average equity | $13,003,750 | 3,613 |
| Average total loans | $31,209,750 | 4,248 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 1,174 |
| Cost of funding earning assets | 0.3720% | 1,102 |
| Net interest margin | 3.4971% | 1,318 |
| Noninterest income to average assets | 0.1143% | 4,424 |
| Noninterest expense to average assets | 2.5841% | 1,686 |
| Loan and lease loss provision to assets | 0.0739% | 1,308 |
| Net operating income to assets | 0.3629% | 4,180 |
| Return on assets (ROA) | 0.3629% | 4,141 |
| Pretax return on assets | 0.4570% | 4,070 |
| Return on Equity (ROE) | 1.6668% | 4,384 |
| Retained earnings to average equity (ytd only) | 1.6668% | 3,833 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9558% | 741 |
| Assets per employee ($millions) | 9.9292% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5647% | 4,496 |
| Loan loss allowance to noncurrent loans | 54.0785% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 1,031 |
| Noncurrent loans to loans | 1.0442% | 798 |
| Net loans and leases to total assets | 52.9081% | 3,067 |
| Net loans and leases to deposits | 69.0441% | 2,301 |
| Net loans and leases to core deposits | 82.6624% | 1,548 |
| Total domestic deposits to total assets | 76.6295% | 4,430 |
| Equity capital to assets | 21.8548% | 132 |
| Core capital (leverage) ratio | 21.8372% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.9778% | 55 |
| Memoranda: | ||
| Average total assets | $59,518,000 | 4,418 |
| Average earning assets | $51,070,333 | 4,452 |
| Average equity | $12,959,333 | 3,689 |
| Average total loans | $31,003,667 | 4,294 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 1,054 |
| Cost of funding earning assets | 0.3874% | 940 |
| Net interest margin | 3.4314% | 1,232 |
| Noninterest income to average assets | 0.1143% | 4,437 |
| Noninterest expense to average assets | 2.6694% | 1,428 |
| Loan and lease loss provision to assets | 0.0202% | 1,992 |
| Net operating income to assets | 0.2488% | 4,243 |
| Return on assets (ROA) | 0.2488% | 4,220 |
| Pretax return on assets | 0.3429% | 4,126 |
| Return on Equity (ROE) | 1.1447% | 4,401 |
| Retained earnings to average equity (ytd only) | 1.1447% | 3,793 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0266% | 637 |
| Assets per employee ($millions) | 9.9305% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5247% | 4,565 |
| Loan loss allowance to noncurrent loans | 195.1220% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 2,827 |
| Noncurrent loans to loans | 0.2689% | 2,511 |
| Net loans and leases to total assets | 50.9122% | 3,078 |
| Net loans and leases to deposits | 66.1398% | 2,330 |
| Net loans and leases to core deposits | 79.0983% | 1,545 |
| Total domestic deposits to total assets | 76.9767% | 4,461 |
| Equity capital to assets | 21.7327% | 127 |
| Core capital (leverage) ratio | 21.7112% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.1534% | 58 |
| Memoranda: | ||
| Average total assets | $59,489,500 | 4,447 |
| Average earning assets | $50,591,000 | 4,478 |
| Average equity | $12,929,000 | 3,763 |
| Average total loans | $30,656,000 | 4,315 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 1,873 |
| Cost of funding earning assets | 0.5427% | 742 |
| Net interest margin | 3.2544% | 2,450 |
| Noninterest income to average assets | 0.1250% | 4,514 |
| Noninterest expense to average assets | 2.5505% | 2,021 |
| Loan and lease loss provision to assets | -0.0270% | 4,258 |
| Net operating income to assets | 0.3344% | 4,378 |
| Return on assets (ROA) | 0.3344% | 4,398 |
| Pretax return on assets | 0.4172% | 4,374 |
| Return on Equity (ROE) | 1.5444% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.5444% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7318% | 431 |
| Assets per employee ($millions) | 9.8993% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5095% | 4,619 |
| Loan loss allowance to noncurrent loans | 189.1566% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 2,956 |
| Noncurrent loans to loans | 0.2693% | 2,638 |
| Net loans and leases to total assets | 51.6196% | 3,105 |
| Net loans and leases to deposits | 66.8659% | 2,420 |
| Net loans and leases to core deposits | 79.5166% | 1,642 |
| Total domestic deposits to total assets | 77.1988% | 4,455 |
| Equity capital to assets | 21.7338% | 128 |
| Core capital (leverage) ratio | 21.5812% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.6403% | 59 |
| Memoranda: | ||
| Average total assets | $59,203,800 | 4,464 |
| Average earning assets | $51,222,200 | 4,493 |
| Average equity | $12,820,400 | 3,844 |
| Average total loans | $31,968,200 | 4,339 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 2,048 |
| Cost of funding earning assets | 0.5761% | 717 |
| Net interest margin | 3.2077% | 2,706 |
| Noninterest income to average assets | 0.1262% | 4,561 |
| Noninterest expense to average assets | 2.4635% | 2,228 |
| Loan and lease loss provision to assets | -0.0118% | 4,324 |
| Net operating income to assets | 0.3809% | 4,399 |
| Return on assets (ROA) | 0.3809% | 4,432 |
| Pretax return on assets | 0.4598% | 4,421 |
| Return on Equity (ROE) | 1.7606% | 4,623 |
| Retained earnings to average equity (ytd only) | 1.7606% | 4,257 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5975% | 492 |
| Assets per employee ($millions) | 10.0930% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5270% | 4,685 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 3,039 |
| Noncurrent loans to loans | 0.3074% | 2,694 |
| Net loans and leases to total assets | 52.3647% | 3,164 |
| Net loans and leases to deposits | 67.5262% | 2,481 |
| Net loans and leases to core deposits | 79.9330% | 1,736 |
| Total domestic deposits to total assets | 77.5471% | 4,460 |
| Equity capital to assets | 21.2689% | 150 |
| Core capital (leverage) ratio | 21.4117% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.0902% | 84 |
| Memoranda: | ||
| Average total assets | $59,155,750 | 4,518 |
| Average earning assets | $51,375,750 | 4,555 |
| Average equity | $12,798,250 | 3,899 |
| Average total loans | $32,256,000 | 4,393 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 1,973 |
| Cost of funding earning assets | 0.6151% | 690 |
| Net interest margin | 3.2237% | 2,685 |
| Noninterest income to average assets | 0.1295% | 4,555 |
| Noninterest expense to average assets | 2.4639% | 2,258 |
| Loan and lease loss provision to assets | -0.0307% | 4,469 |
| Net operating income to assets | 0.4464% | 4,306 |
| Return on assets (ROA) | 0.4464% | 4,347 |
| Pretax return on assets | 0.5180% | 4,362 |
| Return on Equity (ROE) | 2.0515% | 4,588 |
| Retained earnings to average equity (ytd only) | 2.0515% | 4,100 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4873% | 580 |
| Assets per employee ($millions) | 9.9755% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5208% | 4,725 |
| Loan loss allowance to noncurrent loans | 167.3469% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,166 |
| Noncurrent loans to loans | 0.3112% | 2,806 |
| Net loans and leases to total assets | 52.3382% | 3,307 |
| Net loans and leases to deposits | 67.9390% | 2,627 |
| Net loans and leases to core deposits | 80.6394% | 1,834 |
| Total domestic deposits to total assets | 77.0371% | 4,512 |
| Equity capital to assets | 21.4559% | 141 |
| Core capital (leverage) ratio | 21.8323% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.4754% | 68 |
| Memoranda: | ||
| Average total assets | $58,688,333 | 4,551 |
| Average earning assets | $51,369,667 | 4,583 |
| Average equity | $12,771,000 | 3,911 |
| Average total loans | $32,381,667 | 4,421 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 2,169 |
| Cost of funding earning assets | 0.6809% | 587 |
| Net interest margin | 3.0950% | 3,002 |
| Noninterest income to average assets | 0.1377% | 4,518 |
| Noninterest expense to average assets | 2.4989% | 2,179 |
| Loan and lease loss provision to assets | -0.0275% | 4,613 |
| Net operating income to assets | 0.3511% | 4,448 |
| Return on assets (ROA) | 0.3511% | 4,476 |
| Pretax return on assets | 0.4199% | 4,463 |
| Return on Equity (ROE) | 1.6018% | 4,650 |
| Retained earnings to average equity (ytd only) | 1.6018% | 4,098 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4286% | 497 |
| Assets per employee ($millions) | 9.6713% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5183% | 4,762 |
| Loan loss allowance to noncurrent loans | 144.8276% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 3,159 |
| Noncurrent loans to loans | 0.3579% | 2,799 |
| Net loans and leases to total assets | 55.5680% | 3,087 |
| Net loans and leases to deposits | 72.3777% | 2,272 |
| Net loans and leases to core deposits | 85.2997% | 1,570 |
| Total domestic deposits to total assets | 76.7750% | 4,534 |
| Equity capital to assets | 21.9911% | 126 |
| Core capital (leverage) ratio | 21.9885% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.3581% | 65 |
| Memoranda: | ||
| Average total assets | $58,106,000 | 4,578 |
| Average earning assets | $51,695,500 | 4,594 |
| Average equity | $12,735,500 | 3,925 |
| Average total loans | $32,827,500 | 4,436 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,137 |
| Cost of funding earning assets | 1.2234% | 256 |
| Net interest margin | 2.9763% | 3,946 |
| Noninterest income to average assets | 0.1378% | 4,602 |
| Noninterest expense to average assets | 2.5164% | 2,793 |
| Loan and lease loss provision to assets | -0.0174% | 4,911 |
| Net operating income to assets | 0.2930% | 4,440 |
| Return on assets (ROA) | 0.2930% | 4,507 |
| Pretax return on assets | 0.3540% | 4,480 |
| Return on Equity (ROE) | 1.3307% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.3307% | 4,097 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2029% | 436 |
| Assets per employee ($millions) | 9.6973% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5204% | 4,778 |
| Loan loss allowance to noncurrent loans | 176.5306% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 3,431 |
| Noncurrent loans to loans | 0.2948% | 3,141 |
| Net loans and leases to total assets | 56.8352% | 3,221 |
| Net loans and leases to deposits | 73.6274% | 2,522 |
| Net loans and leases to core deposits | 88.2923% | 1,662 |
| Total domestic deposits to total assets | 77.1930% | 4,392 |
| Equity capital to assets | 21.8445% | 141 |
| Core capital (leverage) ratio | 21.7592% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.5921% | 67 |
| Memoranda: | ||
| Average total assets | $57,344,000 | 4,549 |
| Average earning assets | $52,312,600 | 4,552 |
| Average equity | $12,624,600 | 3,902 |
| Average total loans | $34,007,600 | 4,432 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,272 |
| Cost of funding earning assets | 1.3131% | 235 |
| Net interest margin | 2.9289% | 4,130 |
| Noninterest income to average assets | 0.1354% | 4,618 |
| Noninterest expense to average assets | 2.4643% | 2,951 |
| Loan and lease loss provision to assets | 0.0508% | 3,716 |
| Net operating income to assets | 0.2380% | 4,538 |
| Return on assets (ROA) | 0.2380% | 4,575 |
| Pretax return on assets | 0.3057% | 4,539 |
| Return on Equity (ROE) | 1.0791% | 4,694 |
| Retained earnings to average equity (ytd only) | 1.0791% | 4,231 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3449% | 445 |
| Assets per employee ($millions) | 9.7368% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5993% | 4,723 |
| Loan loss allowance to noncurrent loans | 57.9096% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 1,912 |
| Noncurrent loans to loans | 1.0348% | 1,449 |
| Net loans and leases to total assets | 58.2051% | 3,395 |
| Net loans and leases to deposits | 75.4220% | 2,806 |
| Net loans and leases to core deposits | 89.7369% | 2,000 |
| Total domestic deposits to total assets | 77.1726% | 4,299 |
| Equity capital to assets | 21.6429% | 153 |
| Core capital (leverage) ratio | 21.7438% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5155% | 81 |
| Memoranda: | ||
| Average total assets | $57,134,000 | 4,568 |
| Average earning assets | $52,395,500 | 4,572 |
| Average equity | $12,603,250 | 3,911 |
| Average total loans | $34,199,000 | 4,458 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,356 |
| Cost of funding earning assets | 1.3728% | 250 |
| Net interest margin | 2.9713% | 4,186 |
| Noninterest income to average assets | 0.1340% | 4,635 |
| Noninterest expense to average assets | 2.4054% | 3,253 |
| Loan and lease loss provision to assets | 0.0741% | 3,372 |
| Net operating income to assets | 0.3421% | 4,345 |
| Return on assets (ROA) | 0.3421% | 4,404 |
| Pretax return on assets | 0.3950% | 4,420 |
| Return on Equity (ROE) | 1.5409% | 4,609 |
| Retained earnings to average equity (ytd only) | 1.5409% | 3,920 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6810% | 657 |
| Assets per employee ($millions) | 9.6423% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6100% | 4,730 |
| Loan loss allowance to noncurrent loans | 42.5887% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 1,496 |
| Noncurrent loans to loans | 1.4323% | 1,073 |
| Net loans and leases to total assets | 57.4515% | 3,556 |
| Net loans and leases to deposits | 74.8907% | 2,981 |
| Net loans and leases to core deposits | 86.2451% | 2,417 |
| Total domestic deposits to total assets | 76.7138% | 4,354 |
| Equity capital to assets | 21.8464% | 152 |
| Core capital (leverage) ratio | 21.9759% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.8562% | 74 |
| Memoranda: | ||
| Average total assets | $56,705,000 | 4,587 |
| Average earning assets | $52,300,667 | 4,585 |
| Average equity | $12,589,667 | 3,919 |
| Average total loans | $34,195,667 | 4,472 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,920 |
| Cost of funding earning assets | 1.4207% | 361 |
| Net interest margin | 3.2061% | 3,837 |
| Noninterest income to average assets | 0.1354% | 4,690 |
| Noninterest expense to average assets | 2.5298% | 3,180 |
| Loan and lease loss provision to assets | 0.1853% | 1,618 |
| Net operating income to assets | 0.3278% | 4,286 |
| Return on assets (ROA) | 0.3278% | 4,316 |
| Pretax return on assets | 0.4276% | 4,247 |
| Return on Equity (ROE) | 1.4644% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.4644% | 3,610 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4989% | 1,093 |
| Assets per employee ($millions) | 9.3940% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 4,763 |
| Loan loss allowance to noncurrent loans | 13.7049% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.7056% | 246 |
| Noncurrent loans to loans | 4.3528% | 160 |
| Net loans and leases to total assets | 61.7877% | 3,324 |
| Net loans and leases to deposits | 80.9154% | 2,586 |
| Net loans and leases to core deposits | 93.5805% | 2,009 |
| Total domestic deposits to total assets | 76.3608% | 4,436 |
| Equity capital to assets | 22.3334% | 164 |
| Core capital (leverage) ratio | 22.4101% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.1658% | 77 |
| Memoranda: | ||
| Average total assets | $56,130,500 | 4,605 |
| Average earning assets | $52,650,000 | 4,591 |
| Average equity | $12,565,000 | 3,933 |
| Average total loans | $34,572,500 | 4,482 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 3,259 |
| Cost of funding earning assets | 1.5847% | 316 |
| Net interest margin | 2.8134% | 4,749 |
| Noninterest income to average assets | 0.1413% | 4,768 |
| Noninterest expense to average assets | 2.6338% | 3,084 |
| Loan and lease loss provision to assets | -0.0362% | 4,988 |
| Net operating income to assets | 0.1884% | 4,849 |
| Return on assets (ROA) | 0.1884% | 4,870 |
| Pretax return on assets | 0.1775% | 4,901 |
| Return on Equity (ROE) | 0.8328% | 4,934 |
| Retained earnings to average equity (ytd only) | 0.8328% | 4,445 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9086% | 227 |
| Assets per employee ($millions) | 9.3162% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5394% | 4,840 |
| Loan loss allowance to noncurrent loans | 108.2353% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 3,214 |
| Noncurrent loans to loans | 0.4984% | 2,692 |
| Net loans and leases to total assets | 60.6938% | 3,533 |
| Net loans and leases to deposits | 79.3424% | 2,859 |
| Net loans and leases to core deposits | 91.1450% | 2,307 |
| Total domestic deposits to total assets | 76.4961% | 4,548 |
| Equity capital to assets | 22.4377% | 167 |
| Core capital (leverage) ratio | 22.5815% | 164 |
| Tier 1 risk-based capital ratio | 52.3085% | 122 |
| Total risk-based capital ratio | 53.0717% | 123 |
| Memoranda: | ||
| Average total assets | $55,204,800 | 4,663 |
| Average earning assets | $51,680,800 | 4,642 |
| Average equity | $12,487,400 | 3,936 |
| Average total loans | $33,842,200 | 4,561 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 3,477 |
| Cost of funding earning assets | 1.5789% | 322 |
| Net interest margin | 2.7824% | 4,871 |
| Noninterest income to average assets | 0.1381% | 4,841 |
| Noninterest expense to average assets | 2.5197% | 3,378 |
| Loan and lease loss provision to assets | 0.0024% | 3,811 |
| Net operating income to assets | 0.0848% | 5,029 |
| Return on assets (ROA) | 0.0848% | 5,042 |
| Pretax return on assets | 0.2205% | 4,971 |
| Return on Equity (ROE) | 0.3741% | 5,064 |
| Retained earnings to average equity (ytd only) | 0.3741% | 4,692 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8728% | 275 |
| Assets per employee ($millions) | 9.2123% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 4,845 |
| Loan loss allowance to noncurrent loans | 41.2955% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 1,523 |
| Noncurrent loans to loans | 1.4262% | 1,068 |
| Net loans and leases to total assets | 62.2951% | 3,462 |
| Net loans and leases to deposits | 81.6296% | 2,734 |
| Net loans and leases to core deposits | 94.6820% | 2,112 |
| Total domestic deposits to total assets | 76.3144% | 4,608 |
| Equity capital to assets | 22.5640% | 167 |
| Core capital (leverage) ratio | 22.3533% | 168 |
| Tier 1 risk-based capital ratio | 52.3045% | 122 |
| Total risk-based capital ratio | 53.1558% | 121 |
| Memoranda: | ||
| Average total assets | $55,031,750 | 4,734 |
| Average earning assets | $51,512,750 | 4,712 |
| Average equity | $12,473,750 | 3,976 |
| Average total loans | $33,775,250 | 4,623 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 3,617 |
| Cost of funding earning assets | 1.5163% | 358 |
| Net interest margin | 2.7909% | 4,937 |
| Noninterest income to average assets | 0.1092% | 5,001 |
| Noninterest expense to average assets | 2.4203% | 3,685 |
| Loan and lease loss provision to assets | -0.0255% | 5,144 |
| Net operating income to assets | 0.2075% | 4,988 |
| Return on assets (ROA) | 0.2075% | 4,996 |
| Pretax return on assets | 0.3203% | 4,912 |
| Return on Equity (ROE) | 0.9139% | 5,057 |
| Retained earnings to average equity (ytd only) | 0.9139% | 4,459 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1421% | 383 |
| Assets per employee ($millions) | 9.4370% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 4,891 |
| Loan loss allowance to noncurrent loans | 114.6199% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,339 |
| Noncurrent loans to loans | 0.5143% | 2,740 |
| Net loans and leases to total assets | 58.3748% | 3,875 |
| Net loans and leases to deposits | 76.1818% | 3,312 |
| Net loans and leases to core deposits | 90.5190% | 2,552 |
| Total domestic deposits to total assets | 76.6257% | 4,604 |
| Equity capital to assets | 22.0709% | 176 |
| Core capital (leverage) ratio | 22.1731% | 168 |
| Tier 1 risk-based capital ratio | 52.4203% | 123 |
| Total risk-based capital ratio | 53.2424% | 122 |
| Memoranda: | ||
| Average total assets | $54,951,000 | 4,774 |
| Average earning assets | $51,309,330 | 4,758 |
| Average equity | $12,474,330 | 3,985 |
| Average total loans | $33,488,000 | 4,663 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 2,971 |
| Cost of funding earning assets | 1.4056% | 448 |
| Net interest margin | 3.0638% | 4,647 |
| Noninterest income to average assets | 0.1552% | 4,813 |
| Noninterest expense to average assets | 2.6166% | 3,165 |
| Loan and lease loss provision to assets | -0.0887% | 5,283 |
| Net operating income to assets | 0.3622% | 4,810 |
| Return on assets (ROA) | 0.3622% | 4,819 |
| Pretax return on assets | 0.4952% | 4,698 |
| Return on Equity (ROE) | 1.5727% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.5727% | 4,177 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5526% | 545 |
| Assets per employee ($millions) | 9.1915% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5644% | 4,996 |
| Loan loss allowance to noncurrent loans | 111.6959% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,095 |
| Noncurrent loans to loans | 0.5053% | 2,797 |
| Net loans and leases to total assets | 61.0201% | 3,599 |
| Net loans and leases to deposits | 80.0895% | 2,829 |
| Net loans and leases to core deposits | 94.3505% | 2,091 |
| Total domestic deposits to total assets | 76.1900% | 4,740 |
| Equity capital to assets | 22.6423% | 157 |
| Core capital (leverage) ratio | 23.7030% | 135 |
| Tier 1 risk-based capital ratio | 52.5591% | 117 |
| Total risk-based capital ratio | 53.3631% | 119 |
| Memoranda: | ||
| Average total assets | $54,115,500 | 4,838 |
| Average earning assets | $50,655,500 | 4,816 |
| Average equity | $12,463,000 | 4,008 |
| Average total loans | $33,607,500 | 4,710 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 2,315 |
| Cost of funding earning assets | 0.8291% | 1,400 |
| Net interest margin | 3.7160% | 2,971 |
| Noninterest income to average assets | 0.1751% | 4,849 |
| Noninterest expense to average assets | 3.1411% | 1,697 |
| Loan and lease loss provision to assets | 0.0644% | 2,867 |
| Net operating income to assets | 0.3723% | 4,902 |
| Return on assets (ROA) | 0.3723% | 4,897 |
| Pretax return on assets | 0.4145% | 4,921 |
| Return on Equity (ROE) | 1.4969% | 5,110 |
| Retained earnings to average equity (ytd only) | 1.4969% | 4,534 |
| Net charge-offs to loans | 0.0457% | 2,521 |
| Credit loss provision to net charge-offs | 228.5714% | 1,288 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 2,214 |
| Efficiency ratio | 86.7704% | 488 |
| Assets per employee ($millions) | 8.8470% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 4,955 |
| Loan loss allowance to noncurrent loans | 76.6038% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 2,348 |
| Noncurrent loans to loans | 0.7941% | 2,019 |
| Net loans and leases to total assets | 62.4863% | 3,520 |
| Net loans and leases to deposits | 82.8066% | 2,641 |
| Net loans and leases to core deposits | 95.3708% | 2,106 |
| Total domestic deposits to total assets | 75.4606% | 4,818 |
| Equity capital to assets | 23.4336% | 138 |
| Core capital (leverage) ratio | 25.3588% | 108 |
| Tier 1 risk-based capital ratio | 53.4850% | 118 |
| Total risk-based capital ratio | 54.3578% | 119 |
| Memoranda: | ||
| Average total assets | $49,696,200 | 4,941 |
| Average earning assets | $46,071,400 | 4,936 |
| Average equity | $12,359,200 | 3,980 |
| Average total loans | $30,655,000 | 4,804 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 2,009 |
| Cost of funding earning assets | 0.7481% | 1,594 |
| Net interest margin | 3.8406% | 2,499 |
| Noninterest income to average assets | 0.1774% | 4,898 |
| Noninterest expense to average assets | 3.0023% | 2,009 |
| Loan and lease loss provision to assets | 0.0273% | 3,461 |
| Net operating income to assets | 0.6087% | 4,480 |
| Return on assets (ROA) | 0.6087% | 4,491 |
| Pretax return on assets | 0.7069% | 4,519 |
| Return on Equity (ROE) | 2.4096% | 5,081 |
| Retained earnings to average equity (ytd only) | 2.4096% | 4,435 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3506% | 910 |
| Assets per employee ($millions) | 8.2307% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 5,008 |
| Loan loss allowance to noncurrent loans | 65.2174% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2960% | 1,059 |
| Noncurrent loans to loans | 0.9543% | 1,784 |
| Net loans and leases to total assets | 63.0488% | 3,538 |
| Net loans and leases to deposits | 86.0301% | 2,361 |
| Net loans and leases to core deposits | 90.5616% | 2,610 |
| Total domestic deposits to total assets | 73.2869% | 5,037 |
| Equity capital to assets | 25.2653% | 111 |
| Core capital (leverage) ratio | 25.4898% | 101 |
| Tier 1 risk-based capital ratio | 55.8830% | 96 |
| Total risk-based capital ratio | 56.7564% | 96 |
| Memoranda: | ||
| Average total assets | $48,849,750 | 5,012 |
| Average earning assets | $45,269,250 | 5,002 |
| Average equity | $12,339,250 | 4,017 |
| Average total loans | $29,975,750 | 4,874 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,754 |
| Cost of funding earning assets | 0.6900% | 1,682 |
| Net interest margin | 3.9186% | 2,145 |
| Noninterest income to average assets | 0.1644% | 5,007 |
| Noninterest expense to average assets | 2.9586% | 2,178 |
| Loan and lease loss provision to assets | 0.0534% | 2,842 |
| Net operating income to assets | 0.6903% | 4,221 |
| Return on assets (ROA) | 0.6903% | 4,225 |
| Pretax return on assets | 0.7931% | 4,266 |
| Return on Equity (ROE) | 2.7332% | 5,061 |
| Retained earnings to average equity (ytd only) | 2.7332% | 4,156 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7538% | 1,221 |
| Assets per employee ($millions) | 8.1858% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 5,039 |
| Loan loss allowance to noncurrent loans | 36.8914% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7815% | 661 |
| Noncurrent loans to loans | 1.7397% | 912 |
| Net loans and leases to total assets | 62.0951% | 3,586 |
| Net loans and leases to deposits | 84.7944% | 2,446 |
| Net loans and leases to core deposits | 89.9805% | 2,572 |
| Total domestic deposits to total assets | 73.2302% | 5,103 |
| Equity capital to assets | 25.2102% | 108 |
| Core capital (leverage) ratio | 25.1800% | 104 |
| Tier 1 risk-based capital ratio | 56.1186% | 101 |
| Total risk-based capital ratio | 57.0114% | 101 |
| Memoranda: | ||
| Average total assets | $48,671,670 | 5,077 |
| Average earning assets | $45,220,000 | 5,065 |
| Average equity | $12,293,330 | 4,036 |
| Average total loans | $29,524,000 | 4,932 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 1,921 |
| Cost of funding earning assets | 0.6314% | 1,835 |
| Net interest margin | 3.8505% | 2,222 |
| Noninterest income to average assets | 0.1651% | 5,031 |
| Noninterest expense to average assets | 2.8648% | 2,485 |
| Loan and lease loss provision to assets | 0.1981% | 843 |
| Net operating income to assets | 0.5697% | 4,516 |
| Return on assets (ROA) | 0.5697% | 4,519 |
| Pretax return on assets | 0.6770% | 4,502 |
| Return on Equity (ROE) | 2.2532% | 5,144 |
| Retained earnings to average equity (ytd only) | 2.2532% | 4,267 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6004% | 1,501 |
| Assets per employee ($millions) | 8.0605% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 4,986 |
| Loan loss allowance to noncurrent loans | 43.9076% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 762 |
| Noncurrent loans to loans | 1.6383% | 1,057 |
| Net loans and leases to total assets | 59.6448% | 3,789 |
| Net loans and leases to deposits | 81.3549% | 2,646 |
| Net loans and leases to core deposits | 86.3963% | 2,770 |
| Total domestic deposits to total assets | 73.3143% | 5,206 |
| Equity capital to assets | 25.3996% | 99 |
| Core capital (leverage) ratio | 25.4812% | 101 |
| Tier 1 risk-based capital ratio | 57.3885% | 97 |
| Total risk-based capital ratio | 58.3649% | 97 |
| Memoranda: | ||
| Average total assets | $48,450,000 | 5,135 |
| Average earning assets | $44,981,500 | 5,130 |
| Average equity | $12,249,000 | 4,081 |
| Average total loans | $28,938,500 | 4,995 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,284 |
| Cost of funding earning assets | 0.5949% | 1,626 |
| Net interest margin | 3.7162% | 2,736 |
| Noninterest income to average assets | 0.2639% | 4,552 |
| Noninterest expense to average assets | 3.0178% | 2,120 |
| Loan and lease loss provision to assets | 0.0685% | 2,831 |
| Net operating income to assets | 0.5459% | 4,237 |
| Return on assets (ROA) | 0.5459% | 4,266 |
| Pretax return on assets | 0.6507% | 4,631 |
| Return on Equity (ROE) | 2.2457% | 5,010 |
| Retained earnings to average equity (ytd only) | 2.2457% | 3,974 |
| Net charge-offs to loans | 0.1546% | 1,565 |
| Credit loss provision to net charge-offs | 80.9524% | 2,929 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,906 |
| Efficiency ratio | 80.7547% | 1,035 |
| Assets per employee ($millions) | 8.0895% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6419% | 5,172 |
| Loan loss allowance to noncurrent loans | 50.5464% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4566% | 958 |
| Noncurrent loans to loans | 1.2699% | 1,384 |
| Net loans and leases to total assets | 59.0004% | 3,922 |
| Net loans and leases to deposits | 79.9447% | 2,927 |
| Net loans and leases to core deposits | 84.8453% | 2,997 |
| Total domestic deposits to total assets | 73.8014% | 5,198 |
| Equity capital to assets | 25.1643% | 99 |
| Core capital (leverage) ratio | 25.0646% | 97 |
| Tier 1 risk-based capital ratio | 57.3373% | 91 |
| Total risk-based capital ratio | 58.2058% | 91 |
| Memoranda: | ||
| Average total assets | $49,639,200 | 5,164 |
| Average earning assets | $46,391,800 | 5,142 |
| Average equity | $12,067,400 | 4,126 |
| Average total loans | $27,162,600 | 5,092 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 2,399 |
| Cost of funding earning assets | 0.5970% | 1,545 |
| Net interest margin | 3.6618% | 2,912 |
| Noninterest income to average assets | 0.2885% | 4,464 |
| Noninterest expense to average assets | 3.0131% | 2,077 |
| Loan and lease loss provision to assets | 0.0855% | 2,383 |
| Net operating income to assets | 0.4274% | 4,938 |
| Return on assets (ROA) | 0.4274% | 4,966 |
| Pretax return on assets | 0.6144% | 4,817 |
| Return on Equity (ROE) | 1.7732% | 5,336 |
| Retained earnings to average equity (ytd only) | 1.7732% | 4,716 |
| Net charge-offs to loans | 0.2143% | 1,008 |
| Credit loss provision to net charge-offs | 74.4186% | 2,653 |
| Earnings coverage of net charge-offs (x) | 6.0931% | 3,019 |
| Efficiency ratio | 81.1511% | 982 |
| Assets per employee ($millions) | 8.1420% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6538% | 5,231 |
| Loan loss allowance to noncurrent loans | 49.7268% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 1,058 |
| Noncurrent loans to loans | 1.3147% | 1,455 |
| Net loans and leases to total assets | 56.6118% | 4,184 |
| Net loans and leases to deposits | 76.6710% | 3,306 |
| Net loans and leases to core deposits | 81.3627% | 3,344 |
| Total domestic deposits to total assets | 73.8373% | 5,248 |
| Equity capital to assets | 24.7810% | 108 |
| Core capital (leverage) ratio | 24.4497% | 110 |
| Tier 1 risk-based capital ratio | 57.6065% | 90 |
| Total risk-based capital ratio | 58.4725% | 91 |
| Memoranda: | ||
| Average total assets | $49,914,750 | 5,214 |
| Average earning assets | $46,679,250 | 5,187 |
| Average equity | $12,030,750 | 4,170 |
| Average total loans | $26,747,750 | 5,156 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,292 |
| Cost of funding earning assets | 0.5918% | 1,499 |
| Net interest margin | 3.6575% | 2,806 |
| Noninterest income to average assets | 0.2666% | 4,630 |
| Noninterest expense to average assets | 2.9959% | 2,123 |
| Loan and lease loss provision to assets | 0.2228% | 785 |
| Net operating income to assets | 0.3342% | 5,139 |
| Return on assets (ROA) | 0.3342% | 5,163 |
| Pretax return on assets | 0.4655% | 5,062 |
| Return on Equity (ROE) | 1.3993% | 5,430 |
| Retained earnings to average equity (ytd only) | 1.3993% | 4,691 |
| Net charge-offs to loans | 0.3260% | 620 |
| Credit loss provision to net charge-offs | 130.2326% | 1,683 |
| Earnings coverage of net charge-offs (x) | 4.0233% | 2,982 |
| Efficiency ratio | 81.3175% | 1,074 |
| Assets per employee ($millions) | 8.3592% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 5,008 |
| Loan loss allowance to noncurrent loans | 41.6162% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 885 |
| Noncurrent loans to loans | 1.8608% | 948 |
| Net loans and leases to total assets | 52.6289% | 4,514 |
| Net loans and leases to deposits | 70.5247% | 3,872 |
| Net loans and leases to core deposits | 74.6852% | 3,881 |
| Total domestic deposits to total assets | 74.6247% | 5,240 |
| Equity capital to assets | 24.0375% | 112 |
| Core capital (leverage) ratio | 23.9558% | 113 |
| Tier 1 risk-based capital ratio | 57.5136% | 93 |
| Total risk-based capital ratio | 58.4963% | 93 |
| Memoranda: | ||
| Average total assets | $50,269,000 | 5,245 |
| Average earning assets | $46,972,330 | 5,219 |
| Average equity | $12,005,670 | 4,185 |
| Average total loans | $26,384,330 | 5,206 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 2,277 |
| Cost of funding earning assets | 0.5977% | 1,391 |
| Net interest margin | 3.6032% | 2,879 |
| Noninterest income to average assets | 0.1908% | 5,132 |
| Noninterest expense to average assets | 2.8931% | 2,471 |
| Loan and lease loss provision to assets | 0.3656% | 317 |
| Net operating income to assets | 0.1113% | 5,498 |
| Return on assets (ROA) | 0.1113% | 5,504 |
| Pretax return on assets | 0.2861% | 5,333 |
| Return on Equity (ROE) | 0.4674% | 5,567 |
| Retained earnings to average equity (ytd only) | 0.4674% | 4,811 |
| Net charge-offs to loans | 0.6546% | 274 |
| Credit loss provision to net charge-offs | 106.9767% | 1,502 |
| Earnings coverage of net charge-offs (x) | 1.9070% | 2,665 |
| Efficiency ratio | 81.6143% | 1,193 |
| Assets per employee ($millions) | 8.3967% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 5,194 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.6316% | 952 |
| Noncurrent loans to loans | 1.3152% | 1,540 |
| Net loans and leases to total assets | 51.3775% | 4,563 |
| Net loans and leases to deposits | 68.3984% | 3,958 |
| Net loans and leases to core deposits | 71.7247% | 4,009 |
| Total domestic deposits to total assets | 75.1151% | 5,323 |
| Equity capital to assets | 23.7952% | 120 |
| Core capital (leverage) ratio | 23.8160% | 114 |
| Tier 1 risk-based capital ratio | 57.2876% | 93 |
| Total risk-based capital ratio | 58.2242% | 93 |
| Memoranda: | ||
| Average total assets | $50,326,000 | 5,304 |
| Average earning assets | $46,847,000 | 5,275 |
| Average equity | $11,980,500 | 4,216 |
| Average total loans | $26,275,500 | 5,265 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,553 |
| Cost of funding earning assets | 0.5466% | 1,721 |
| Net interest margin | 3.6339% | 2,942 |
| Noninterest income to average assets | 0.0491% | 5,778 |
| Noninterest expense to average assets | 3.0335% | 2,242 |
| Loan and lease loss provision to assets | 0.0039% | 4,278 |
| Net operating income to assets | 0.3512% | 5,082 |
| Return on assets (ROA) | 0.3512% | 5,166 |
| Pretax return on assets | 0.5337% | 4,960 |
| Return on Equity (ROE) | 1.5068% | 5,486 |
| Retained earnings to average equity (ytd only) | 1.5068% | 4,659 |
| Net charge-offs to loans | 0.0260% | 3,515 |
| Credit loss provision to net charge-offs | 28.5714% | 3,604 |
| Earnings coverage of net charge-offs (x) | 39.1429% | 1,196 |
| Efficiency ratio | 84.9451% | 914 |
| Assets per employee ($millions) | 8.3787% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 5,297 |
| Loan loss allowance to noncurrent loans | 31.1290% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.2557% | 565 |
| Noncurrent loans to loans | 2.3422% | 700 |
| Net loans and leases to total assets | 52.2716% | 4,582 |
| Net loans and leases to deposits | 69.4010% | 3,971 |
| Net loans and leases to core deposits | 72.2658% | 4,068 |
| Total domestic deposits to total assets | 75.3183% | 5,316 |
| Equity capital to assets | 23.8164% | 116 |
| Core capital (leverage) ratio | 23.7033% | 113 |
| Tier 1 risk-based capital ratio | 56.5378% | 103 |
| Total risk-based capital ratio | 57.4491% | 104 |
| Memoranda: | ||
| Average total assets | $50,964,600 | 5,325 |
| Average earning assets | $49,396,600 | 5,261 |
| Average equity | $11,879,400 | 4,265 |
| Average total loans | $26,894,200 | 5,298 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,728 |
| Cost of funding earning assets | 0.5279% | 1,889 |
| Net interest margin | 3.6100% | 3,031 |
| Noninterest income to average assets | 0.0443% | 5,849 |
| Noninterest expense to average assets | 3.0244% | 2,246 |
| Loan and lease loss provision to assets | 0.0078% | 4,076 |
| Net operating income to assets | 0.3181% | 5,246 |
| Return on assets (ROA) | 0.3181% | 5,328 |
| Pretax return on assets | 0.5423% | 5,030 |
| Return on Equity (ROE) | 1.3720% | 5,582 |
| Retained earnings to average equity (ytd only) | 1.3720% | 4,959 |
| Net charge-offs to loans | 0.0296% | 3,065 |
| Credit loss provision to net charge-offs | 50.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 35.1663% | 1,340 |
| Efficiency ratio | 84.6098% | 939 |
| Assets per employee ($millions) | 8.3812% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7297% | 5,362 |
| Loan loss allowance to noncurrent loans | 30.7087% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 811 |
| Noncurrent loans to loans | 2.3761% | 765 |
| Net loans and leases to total assets | 52.7572% | 4,589 |
| Net loans and leases to deposits | 70.3340% | 3,956 |
| Net loans and leases to core deposits | 73.2650% | 4,059 |
| Total domestic deposits to total assets | 75.0094% | 5,339 |
| Equity capital to assets | 23.6980% | 124 |
| Core capital (leverage) ratio | 23.6439% | 117 |
| Tier 1 risk-based capital ratio | 60.9534% | 80 |
| Total risk-based capital ratio | 61.9508% | 80 |
| Memoranda: | ||
| Average total assets | $51,137,750 | 5,376 |
| Average earning assets | $50,008,250 | 5,298 |
| Average equity | $11,856,000 | 4,305 |
| Average total loans | $27,000,000 | 5,349 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 2,728 |
| Cost of funding earning assets | 0.5171% | 1,959 |
| Net interest margin | 3.6196% | 3,023 |
| Noninterest income to average assets | 0.0428% | 5,929 |
| Noninterest expense to average assets | 2.9560% | 2,501 |
| Loan and lease loss provision to assets | 0.1361% | 1,672 |
| Net operating income to assets | 0.2645% | 5,404 |
| Return on assets (ROA) | 0.2645% | 5,475 |
| Pretax return on assets | 0.4901% | 5,151 |
| Return on Equity (ROE) | 1.1491% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.1491% | 4,922 |
| Net charge-offs to loans | 0.0443% | 2,584 |
| Credit loss provision to net charge-offs | 583.3333% | 583 |
| Earnings coverage of net charge-offs (x) | 26.8333% | 1,475 |
| Efficiency ratio | 82.5190% | 1,210 |
| Assets per employee ($millions) | 8.5300% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 5,118 |
| Loan loss allowance to noncurrent loans | 27.9901% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 1.5846% | 1,175 |
| Noncurrent loans to loans | 3.0507% | 486 |
| Net loans and leases to total assets | 51.4986% | 4,717 |
| Net loans and leases to deposits | 68.0866% | 4,175 |
| Net loans and leases to core deposits | 70.8464% | 4,264 |
| Total domestic deposits to total assets | 75.6370% | 5,334 |
| Equity capital to assets | 23.1790% | 128 |
| Core capital (leverage) ratio | 23.1324% | 115 |
| Tier 1 risk-based capital ratio | 60.7673% | 88 |
| Total risk-based capital ratio | 61.9301% | 88 |
| Memoranda: | ||
| Average total assets | $51,421,330 | 5,430 |
| Average earning assets | $50,282,330 | 5,348 |
| Average equity | $11,835,670 | 4,347 |
| Average total loans | $27,091,670 | 5,403 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,453 |
| Cost of funding earning assets | 0.4987% | 2,122 |
| Net interest margin | 3.7049% | 2,651 |
| Noninterest income to average assets | 0.0466% | 5,979 |
| Noninterest expense to average assets | 2.9180% | 2,642 |
| Loan and lease loss provision to assets | 0.0931% | 2,133 |
| Net operating income to assets | 0.4346% | 4,882 |
| Return on assets (ROA) | 0.4346% | 4,963 |
| Pretax return on assets | 0.6674% | 4,630 |
| Return on Equity (ROE) | 1.8948% | 5,520 |
| Retained earnings to average equity (ytd only) | 1.8948% | 4,499 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3249% | 1,695 |
| Assets per employee ($millions) | 8.5252% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7793% | 5,420 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 5,461 |
| Noncurrent loans to loans | 0.0779% | 5,163 |
| Net loans and leases to total assets | 52.2707% | 4,609 |
| Net loans and leases to deposits | 68.9222% | 3,963 |
| Net loans and leases to core deposits | 71.7060% | 4,087 |
| Total domestic deposits to total assets | 75.8402% | 5,421 |
| Equity capital to assets | 23.1667% | 125 |
| Core capital (leverage) ratio | 23.1835% | 116 |
| Tier 1 risk-based capital ratio | 60.6324% | 86 |
| Total risk-based capital ratio | 61.7069% | 86 |
| Memoranda: | ||
| Average total assets | $51,542,000 | 5,479 |
| Average earning assets | $50,527,500 | 5,391 |
| Average equity | $11,822,000 | 4,356 |
| Average total loans | $27,345,500 | 5,436 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,472 |
| Cost of funding earning assets | 0.5499% | 1,758 |
| Net interest margin | 3.6757% | 2,849 |
| Noninterest income to average assets | 0.0274% | 6,054 |
| Noninterest expense to average assets | 2.8674% | 2,975 |
| Loan and lease loss provision to assets | 0.1097% | 2,163 |
| Net operating income to assets | 0.4572% | 4,857 |
| Return on assets (ROA) | 0.4572% | 4,940 |
| Pretax return on assets | 0.6565% | 4,657 |
| Return on Equity (ROE) | 2.1423% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.1423% | 4,498 |
| Net charge-offs to loans | 0.1613% | 1,761 |
| Credit loss provision to net charge-offs | 130.4348% | 2,004 |
| Earnings coverage of net charge-offs (x) | 9.1087% | 2,862 |
| Efficiency ratio | 78.9129% | 1,829 |
| Assets per employee ($millions) | 8.6555% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 5,612 |
| Loan loss allowance to noncurrent loans | 942.8571% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 5,518 |
| Noncurrent loans to loans | 0.0757% | 5,199 |
| Net loans and leases to total assets | 53.0414% | 4,593 |
| Net loans and leases to deposits | 69.2720% | 3,992 |
| Net loans and leases to core deposits | 73.4521% | 3,998 |
| Total domestic deposits to total assets | 76.5698% | 5,380 |
| Equity capital to assets | 22.7100% | 125 |
| Core capital (leverage) ratio | 22.4562% | 122 |
| Tier 1 risk-based capital ratio | 59.3349% | 88 |
| Total risk-based capital ratio | 60.3310% | 88 |
| Memoranda: | ||
| Average total assets | $54,682,800 | 5,438 |
| Average earning assets | $53,649,400 | 5,348 |
| Average equity | $11,669,600 | 4,358 |
| Average total loans | $28,526,800 | 5,425 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,488 |
| Cost of funding earning assets | 0.5599% | 1,715 |
| Net interest margin | 3.6690% | 2,889 |
| Noninterest income to average assets | 0.0072% | 6,179 |
| Noninterest expense to average assets | 2.7740% | 3,290 |
| Loan and lease loss provision to assets | 0.1156% | 1,953 |
| Net operating income to assets | 0.4334% | 5,033 |
| Return on assets (ROA) | 0.4334% | 5,126 |
| Pretax return on assets | 0.7152% | 4,635 |
| Return on Equity (ROE) | 2.0620% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.0620% | 4,846 |
| Net charge-offs to loans | 0.2135% | 1,220 |
| Credit loss provision to net charge-offs | 104.3478% | 2,193 |
| Earnings coverage of net charge-offs (x) | 7.5002% | 2,907 |
| Efficiency ratio | 76.9539% | 2,099 |
| Assets per employee ($millions) | 8.8772% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 5,778 |
| Loan loss allowance to noncurrent loans | 54.2274% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 3,269 |
| Noncurrent loans to loans | 1.2475% | 2,040 |
| Net loans and leases to total assets | 51.2720% | 4,827 |
| Net loans and leases to deposits | 66.7408% | 4,304 |
| Net loans and leases to core deposits | 70.6407% | 4,313 |
| Total domestic deposits to total assets | 76.8226% | 5,372 |
| Equity capital to assets | 22.0115% | 157 |
| Core capital (leverage) ratio | 21.8352% | 143 |
| Tier 1 risk-based capital ratio | 58.0138% | 98 |
| Total risk-based capital ratio | 58.9341% | 97 |
| Memoranda: | ||
| Average total assets | $55,370,250 | 5,494 |
| Average earning assets | $54,290,750 | 5,403 |
| Average equity | $11,638,500 | 4,415 |
| Average total loans | $28,722,500 | 5,482 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 2,289 |
| Cost of funding earning assets | 0.5671% | 1,665 |
| Net interest margin | 3.7010% | 2,701 |
| Noninterest income to average assets | -0.0036% | 6,271 |
| Noninterest expense to average assets | 2.8249% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4922% | 4,808 |
| Return on assets (ROA) | 0.4922% | 4,907 |
| Pretax return on assets | 0.8025% | 4,302 |
| Return on Equity (ROE) | 2.3773% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.3773% | 4,546 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8761% | 2,092 |
| Assets per employee ($millions) | 9.1588% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 5,911 |
| Loan loss allowance to noncurrent loans | 49.1979% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 3,359 |
| Noncurrent loans to loans | 1.3015% | 2,062 |
| Net loans and leases to total assets | 51.9589% | 4,758 |
| Net loans and leases to deposits | 66.9378% | 4,232 |
| Net loans and leases to core deposits | 70.7528% | 4,255 |
| Total domestic deposits to total assets | 77.6227% | 5,356 |
| Equity capital to assets | 21.2582% | 171 |
| Core capital (leverage) ratio | 21.0901% | 165 |
| Tier 1 risk-based capital ratio | 55.9054% | 114 |
| Total risk-based capital ratio | 56.7860% | 114 |
| Memoranda: | ||
| Average total assets | $56,072,670 | 5,534 |
| Average earning assets | $55,012,330 | 5,438 |
| Average equity | $11,610,000 | 4,451 |
| Average total loans | $29,131,670 | 5,511 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 2,268 |
| Cost of funding earning assets | 0.5694% | 1,667 |
| Net interest margin | 3.6828% | 2,688 |
| Noninterest income to average assets | -0.0777% | 6,365 |
| Noninterest expense to average assets | 2.7970% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4238% | 4,977 |
| Return on assets (ROA) | 0.4238% | 5,100 |
| Pretax return on assets | 0.7346% | 4,482 |
| Return on Equity (ROE) | 2.0736% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.0736% | 4,638 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2000% | 1,999 |
| Assets per employee ($millions) | 9.3335% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 6,005 |
| Loan loss allowance to noncurrent loans | 66.4260% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 4,045 |
| Noncurrent loans to loans | 0.9590% | 2,860 |
| Net loans and leases to total assets | 51.2473% | 4,725 |
| Net loans and leases to deposits | 65.4347% | 4,212 |
| Net loans and leases to core deposits | 69.0494% | 4,237 |
| Total domestic deposits to total assets | 78.3182% | 5,388 |
| Equity capital to assets | 20.7211% | 197 |
| Core capital (leverage) ratio | 20.4652% | 189 |
| Tier 1 risk-based capital ratio | 54.8341% | 125 |
| Total risk-based capital ratio | 55.7036% | 124 |
| Memoranda: | ||
| Average total assets | $56,632,500 | 5,579 |
| Average earning assets | $55,501,500 | 5,474 |
| Average equity | $11,574,000 | 4,493 |
| Average total loans | $29,329,000 | 5,547 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,552 |
| Cost of funding earning assets | 0.6504% | 1,404 |
| Net interest margin | 3.6648% | 3,149 |
| Noninterest income to average assets | 0.0696% | 6,240 |
| Noninterest expense to average assets | 2.6022% | 4,208 |
| Loan and lease loss provision to assets | 0.1765% | 1,463 |
| Net operating income to assets | 0.5578% | 4,571 |
| Return on assets (ROA) | 0.5687% | 4,600 |
| Pretax return on assets | 0.8946% | 3,929 |
| Return on Equity (ROE) | 2.9373% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.9373% | 4,153 |
| Net charge-offs to loans | 0.2724% | 1,587 |
| Credit loss provision to net charge-offs | 128.3951% | 1,862 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,996 |
| Efficiency ratio | 71.1699% | 3,341 |
| Assets per employee ($millions) | 9.5440% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 6,118 |
| Loan loss allowance to noncurrent loans | 41.3483% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 2,770 |
| Noncurrent loans to loans | 1.4945% | 1,958 |
| Net loans and leases to total assets | 51.6747% | 4,812 |
| Net loans and leases to deposits | 65.3569% | 4,391 |
| Net loans and leases to core deposits | 68.3174% | 4,470 |
| Total domestic deposits to total assets | 79.0654% | 5,236 |
| Equity capital to assets | 20.1593% | 222 |
| Core capital (leverage) ratio | 20.1593% | 207 |
| Tier 1 risk-based capital ratio | 55.0685% | 110 |
| Total risk-based capital ratio | 55.9462% | 111 |
| Memoranda: | ||
| Average total assets | $58,911,400 | 5,574 |
| Average earning assets | $57,656,200 | 5,469 |
| Average equity | $11,405,200 | 4,479 |
| Average total loans | $29,732,400 | 5,573 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 2,663 |
| Cost of funding earning assets | 0.6685% | 1,328 |
| Net interest margin | 3.6253% | 3,331 |
| Noninterest income to average assets | 0.0607% | 6,357 |
| Noninterest expense to average assets | 2.5644% | 4,308 |
| Loan and lease loss provision to assets | 0.0607% | 3,150 |
| Net operating income to assets | 0.7273% | 3,802 |
| Return on assets (ROA) | 0.7439% | 3,802 |
| Pretax return on assets | 1.0046% | 3,572 |
| Return on Equity (ROE) | 3.8813% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.8813% | 3,889 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0903% | 3,329 |
| Assets per employee ($millions) | 9.6598% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6376% | 6,176 |
| Loan loss allowance to noncurrent loans | 26.2204% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 2,346 |
| Noncurrent loans to loans | 2.4316% | 1,222 |
| Net loans and leases to total assets | 50.5513% | 4,942 |
| Net loans and leases to deposits | 63.8684% | 4,554 |
| Net loans and leases to core deposits | 66.7175% | 4,642 |
| Total domestic deposits to total assets | 79.1491% | 5,290 |
| Equity capital to assets | 19.9106% | 238 |
| Core capital (leverage) ratio | 19.9106% | 214 |
| Tier 1 risk-based capital ratio | 54.2293% | 115 |
| Total risk-based capital ratio | 55.1128% | 116 |
| Memoranda: | ||
| Average total assets | $59,323,250 | 5,627 |
| Average earning assets | $58,034,750 | 5,510 |
| Average equity | $11,370,500 | 4,512 |
| Average total loans | $29,721,750 | 5,627 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,612 |
| Cost of funding earning assets | 0.6843% | 1,281 |
| Net interest margin | 3.6060% | 3,338 |
| Noninterest income to average assets | 0.0770% | 6,358 |
| Noninterest expense to average assets | 2.6632% | 4,003 |
| Loan and lease loss provision to assets | 0.0770% | 2,736 |
| Net operating income to assets | 0.6725% | 3,976 |
| Return on assets (ROA) | 0.6725% | 4,073 |
| Pretax return on assets | 0.8632% | 4,027 |
| Return on Equity (ROE) | 3.5531% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.5531% | 3,935 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9090% | 2,990 |
| Assets per employee ($millions) | 9.7265% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 6,292 |
| Loan loss allowance to noncurrent loans | 25.8065% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 2,512 |
| Noncurrent loans to loans | 2.3831% | 1,335 |
| Net loans and leases to total assets | 50.9519% | 4,864 |
| Net loans and leases to deposits | 64.0454% | 4,495 |
| Net loans and leases to core deposits | 66.1204% | 4,629 |
| Total domestic deposits to total assets | 79.5559% | 5,336 |
| Equity capital to assets | 19.5600% | 238 |
| Core capital (leverage) ratio | 19.5514% | 219 |
| Tier 1 risk-based capital ratio | 53.0846% | 118 |
| Total risk-based capital ratio | 53.9406% | 118 |
| Memoranda: | ||
| Average total assets | $59,778,000 | 5,669 |
| Average earning assets | $58,457,670 | 5,546 |
| Average equity | $11,314,000 | 4,535 |
| Average total loans | $29,800,000 | 5,668 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,695 |
| Cost of funding earning assets | 0.7171% | 1,138 |
| Net interest margin | 3.5311% | 3,566 |
| Noninterest income to average assets | -0.0265% | 6,641 |
| Noninterest expense to average assets | 2.4997% | 4,624 |
| Loan and lease loss provision to assets | 0.1389% | 1,750 |
| Net operating income to assets | 0.6613% | 3,884 |
| Return on assets (ROA) | 0.6613% | 3,979 |
| Pretax return on assets | 0.7869% | 4,161 |
| Return on Equity (ROE) | 3.5513% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.5513% | 4,004 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9730% | 3,314 |
| Assets per employee ($millions) | 9.9417% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 6,387 |
| Loan loss allowance to noncurrent loans | 23.9843% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 2,727 |
| Noncurrent loans to loans | 2.5699% | 1,339 |
| Net loans and leases to total assets | 49.4669% | 4,956 |
| Net loans and leases to deposits | 61.6373% | 4,590 |
| Net loans and leases to core deposits | 63.9150% | 4,697 |
| Total domestic deposits to total assets | 80.2548% | 5,437 |
| Equity capital to assets | 18.9673% | 260 |
| Core capital (leverage) ratio | 18.9589% | 248 |
| Tier 1 risk-based capital ratio | 51.9811% | 118 |
| Total risk-based capital ratio | 52.8222% | 122 |
| Memoranda: | ||
| Average total assets | $60,487,500 | 5,696 |
| Average earning assets | $59,131,000 | 5,585 |
| Average equity | $11,263,500 | 4,557 |
| Average total loans | $29,740,500 | 5,725 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 2,838 |
| Cost of funding earning assets | 0.9404% | 606 |
| Net interest margin | 3.3915% | 4,309 |
| Noninterest income to average assets | 0.0180% | 6,618 |
| Noninterest expense to average assets | 2.5547% | 4,601 |
| Loan and lease loss provision to assets | -0.1327% | 6,524 |
| Net operating income to assets | 0.5719% | 4,402 |
| Return on assets (ROA) | 0.5719% | 4,510 |
| Pretax return on assets | 0.8996% | 3,766 |
| Return on Equity (ROE) | 3.1627% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.1627% | 3,986 |
| Net charge-offs to loans | -0.2769% | 6,661 |
| Credit loss provision to net charge-offs | 95.2941% | 2,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9117% | 2,635 |
| Assets per employee ($millions) | 10.2208% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 6,536 |
| Loan loss allowance to noncurrent loans | 619.2308% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 4,320 |
| Noncurrent loans to loans | 0.0873% | 5,955 |
| Net loans and leases to total assets | 48.3163% | 5,263 |
| Net loans and leases to deposits | 59.6189% | 4,967 |
| Net loans and leases to core deposits | 61.7910% | 5,083 |
| Total domestic deposits to total assets | 81.0420% | 5,162 |
| Equity capital to assets | 18.2845% | 299 |
| Core capital (leverage) ratio | 18.2764% | 283 |
| Tier 1 risk-based capital ratio | 50.4683% | 131 |
| Total risk-based capital ratio | 51.1933% | 133 |
| Memoranda: | ||
| Average total assets | $61,025,000 | 5,730 |
| Average earning assets | $59,443,400 | 5,608 |
| Average equity | $11,035,000 | 4,627 |
| Average total loans | $30,694,600 | 5,727 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,810 |
| Cost of funding earning assets | 0.9663% | 587 |
| Net interest margin | 3.3796% | 4,359 |
| Noninterest income to average assets | 0.2581% | 5,598 |
| Noninterest expense to average assets | 2.4610% | 4,834 |
| Loan and lease loss provision to assets | 0.3128% | 1,080 |
| Net operating income to assets | 0.3697% | 5,373 |
| Return on assets (ROA) | 0.3697% | 5,507 |
| Pretax return on assets | 0.7744% | 4,402 |
| Return on Equity (ROE) | 2.0502% | 5,921 |
| Retained earnings to average equity (ytd only) | 2.0502% | 5,103 |
| Net charge-offs to loans | 0.5606% | 1,125 |
| Credit loss provision to net charge-offs | 110.0000% | 2,141 |
| Earnings coverage of net charge-offs (x) | 3.8231% | 3,602 |
| Efficiency ratio | 69.3588% | 3,858 |
| Assets per employee ($millions) | 10.3297% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 6,598 |
| Loan loss allowance to noncurrent loans | 39.9533% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 1.5328% | 2,633 |
| Noncurrent loans to loans | 1.4232% | 3,036 |
| Net loans and leases to total assets | 48.2462% | 5,324 |
| Net loans and leases to deposits | 59.0121% | 5,091 |
| Net loans and leases to core deposits | 61.1193% | 5,205 |
| Total domestic deposits to total assets | 81.7564% | 5,009 |
| Equity capital to assets | 17.8418% | 335 |
| Core capital (leverage) ratio | 17.8418% | 312 |
| Tier 1 risk-based capital ratio | 47.7709% | 151 |
| Total risk-based capital ratio | 48.5096% | 153 |
| Memoranda: | ||
| Average total assets | $60,950,000 | 5,796 |
| Average earning assets | $59,334,250 | 5,671 |
| Average equity | $10,990,500 | 4,688 |
| Average total loans | $30,920,500 | 5,770 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 2,556 |
| Cost of funding earning assets | 0.9778% | 603 |
| Net interest margin | 3.4241% | 4,093 |
| Noninterest income to average assets | 0.3696% | 4,755 |
| Noninterest expense to average assets | 2.4254% | 4,981 |
| Loan and lease loss provision to assets | 0.2046% | 1,849 |
| Net operating income to assets | 0.4653% | 4,951 |
| Return on assets (ROA) | 0.4653% | 5,125 |
| Pretax return on assets | 1.0791% | 3,177 |
| Return on Equity (ROE) | 2.5711% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.5711% | 4,666 |
| Net charge-offs to loans | 0.7884% | 795 |
| Credit loss provision to net charge-offs | 50.4065% | 3,200 |
| Earnings coverage of net charge-offs (x) | 3.1626% | 3,467 |
| Efficiency ratio | 65.3915% | 4,654 |
| Assets per employee ($millions) | 10.1115% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3146% | 6,805 |
| Loan loss allowance to noncurrent loans | 15.8863% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 2.7592% | 1,503 |
| Noncurrent loans to loans | 1.9801% | 2,428 |
| Net loans and leases to total assets | 49.6234% | 5,146 |
| Net loans and leases to deposits | 60.8891% | 4,877 |
| Net loans and leases to core deposits | 63.1153% | 4,987 |
| Total domestic deposits to total assets | 81.4980% | 5,216 |
| Equity capital to assets | 18.1806% | 315 |
| Core capital (leverage) ratio | 18.1806% | 279 |
| Tier 1 risk-based capital ratio | 44.7555% | 171 |
| Total risk-based capital ratio | 45.1410% | 178 |
| Memoranda: | ||
| Average total assets | $60,607,330 | 5,843 |
| Average earning assets | $59,111,000 | 5,723 |
| Average equity | $10,968,000 | 4,730 |
| Average total loans | $31,203,000 | 5,797 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 2,375 |
| Cost of funding earning assets | 0.9733% | 694 |
| Net interest margin | 3.4703% | 3,820 |
| Noninterest income to average assets | 0.0594% | 6,701 |
| Noninterest expense to average assets | 2.1857% | 5,729 |
| Loan and lease loss provision to assets | 0.2377% | 1,530 |
| Net operating income to assets | 0.6405% | 4,014 |
| Return on assets (ROA) | 0.6405% | 4,177 |
| Pretax return on assets | 1.0499% | 3,147 |
| Return on Equity (ROE) | 3.5476% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.5476% | 4,112 |
| Net charge-offs to loans | 0.1009% | 2,845 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 24.3750% | 1,083 |
| Efficiency ratio | 62.9278% | 5,163 |
| Assets per employee ($millions) | 10.1410% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5893% | 6,719 |
| Loan loss allowance to noncurrent loans | 10.7558% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 2.8268% | 1,596 |
| Noncurrent loans to loans | 5.4786% | 659 |
| Net loans and leases to total assets | 51.2934% | 4,794 |
| Net loans and leases to deposits | 62.8056% | 4,441 |
| Net loans and leases to core deposits | 65.1199% | 4,639 |
| Total domestic deposits to total assets | 81.6701% | 5,304 |
| Equity capital to assets | 18.0554% | 332 |
| Core capital (leverage) ratio | 18.0554% | 281 |
| Tier 1 risk-based capital ratio | 44.3556% | 176 |
| Total risk-based capital ratio | 45.1026% | 179 |
| Memoranda: | ||
| Average total assets | $60,576,500 | 5,895 |
| Average earning assets | $59,591,500 | 5,760 |
| Average equity | $10,937,000 | 4,782 |
| Average total loans | $31,704,000 | 5,808 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 2,887 |
| Cost of funding earning assets | 1.0314% | 1,200 |
| Net interest margin | 3.5973% | 4,094 |
| Noninterest income to average assets | 0.0467% | 6,704 |
| Noninterest expense to average assets | 2.3015% | 5,689 |
| Loan and lease loss provision to assets | 0.2935% | 2,330 |
| Net operating income to assets | 0.5654% | 4,402 |
| Return on assets (ROA) | 0.5654% | 4,665 |
| Pretax return on assets | 0.9823% | 3,607 |
| Return on Equity (ROE) | 3.1656% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.1656% | 4,002 |
| Net charge-offs to loans | 1.1306% | 920 |
| Credit loss provision to net charge-offs | 49.5775% | 4,712 |
| Earnings coverage of net charge-offs (x) | 2.1549% | 4,337 |
| Efficiency ratio | 64.3357% | 4,824 |
| Assets per employee ($millions) | 10.0512% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4904% | 6,843 |
| Loan loss allowance to noncurrent loans | 9.8433% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 2.6448% | 1,833 |
| Noncurrent loans to loans | 4.9824% | 804 |
| Net loans and leases to total assets | 52.8231% | 4,784 |
| Net loans and leases to deposits | 64.5263% | 4,473 |
| Net loans and leases to core deposits | 67.3332% | 4,610 |
| Total domestic deposits to total assets | 81.8628% | 5,145 |
| Equity capital to assets | 18.0543% | 328 |
| Core capital (leverage) ratio | 18.0576% | 280 |
| Tier 1 risk-based capital ratio | 43.9432% | 180 |
| Total risk-based capital ratio | 44.5767% | 185 |
| Memoranda: | ||
| Average total assets | $59,959,800 | 5,922 |
| Average earning assets | $58,849,600 | 5,780 |
| Average equity | $10,708,800 | 4,814 |
| Average total loans | $31,399,400 | 5,879 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 3,001 |
| Cost of funding earning assets | 1.0378% | 1,350 |
| Net interest margin | 3.6151% | 4,169 |
| Noninterest income to average assets | 0.0445% | 6,824 |
| Noninterest expense to average assets | 2.3293% | 5,598 |
| Loan and lease loss provision to assets | 0.3274% | 2,005 |
| Net operating income to assets | 0.4276% | 5,127 |
| Return on assets (ROA) | 0.4276% | 5,367 |
| Pretax return on assets | 0.9331% | 3,985 |
| Return on Equity (ROE) | 2.4005% | 5,917 |
| Retained earnings to average equity (ytd only) | 2.4005% | 5,132 |
| Net charge-offs to loans | 1.4935% | 574 |
| Credit loss provision to net charge-offs | 42.0000% | 4,575 |
| Earnings coverage of net charge-offs (x) | 1.6171% | 4,471 |
| Efficiency ratio | 64.8883% | 4,642 |
| Assets per employee ($millions) | 9.9030% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4115% | 7,005 |
| Loan loss allowance to noncurrent loans | 9.6307% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 2.3562% | 2,259 |
| Noncurrent loans to loans | 4.2724% | 1,145 |
| Net loans and leases to total assets | 54.1772% | 4,727 |
| Net loans and leases to deposits | 66.5254% | 4,406 |
| Net loans and leases to core deposits | 69.4730% | 4,565 |
| Total domestic deposits to total assets | 81.4383% | 5,216 |
| Equity capital to assets | 18.0753% | 357 |
| Core capital (leverage) ratio | 18.0784% | 298 |
| Tier 1 risk-based capital ratio | 43.4090% | 191 |
| Total risk-based capital ratio | 43.9465% | 197 |
| Memoranda: | ||
| Average total assets | $59,873,000 | 5,994 |
| Average earning assets | $58,715,250 | 5,848 |
| Average equity | $10,664,000 | 4,873 |
| Average total loans | $31,246,000 | 5,963 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 3,134 |
| Cost of funding earning assets | 1.0480% | 1,481 |
| Net interest margin | 3.6034% | 4,244 |
| Noninterest income to average assets | 0.0367% | 6,902 |
| Noninterest expense to average assets | 2.3257% | 5,670 |
| Loan and lease loss provision to assets | 0.2932% | 2,233 |
| Net operating income to assets | 0.5364% | 4,648 |
| Return on assets (ROA) | 0.5364% | 4,921 |
| Pretax return on assets | 0.9463% | 3,897 |
| Return on Equity (ROE) | 3.0267% | 5,685 |
| Retained earnings to average equity (ytd only) | 3.0267% | 4,624 |
| Net charge-offs to loans | 2.0980% | 384 |
| Credit loss provision to net charge-offs | 27.1605% | 4,481 |
| Earnings coverage of net charge-offs (x) | 1.1481% | 4,441 |
| Efficiency ratio | 65.2336% | 4,681 |
| Assets per employee ($millions) | 10.0655% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3156% | 7,116 |
| Loan loss allowance to noncurrent loans | 24.8756% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 5,114 |
| Noncurrent loans to loans | 1.2686% | 4,018 |
| Net loans and leases to total assets | 52.3057% | 5,057 |
| Net loans and leases to deposits | 63.7930% | 4,787 |
| Net loans and leases to core deposits | 66.5452% | 4,938 |
| Total domestic deposits to total assets | 81.9929% | 5,136 |
| Equity capital to assets | 17.7322% | 367 |
| Core capital (leverage) ratio | 17.7349% | 306 |
| Tier 1 risk-based capital ratio | 44.2878% | 176 |
| Total risk-based capital ratio | 44.7013% | 187 |
| Memoranda: | ||
| Average total assets | $60,024,670 | 6,022 |
| Average earning assets | $58,778,000 | 5,881 |
| Average equity | $10,638,670 | 4,886 |
| Average total loans | $30,886,670 | 6,018 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 3,467 |
| Cost of funding earning assets | 1.0512% | 1,666 |
| Net interest margin | 3.5564% | 4,459 |
| Noninterest income to average assets | 0.0267% | 7,028 |
| Noninterest expense to average assets | 2.2059% | 6,033 |
| Loan and lease loss provision to assets | 0.1671% | 3,303 |
| Net operating income to assets | 0.7420% | 3,666 |
| Return on assets (ROA) | 0.7420% | 3,903 |
| Pretax return on assets | 1.1364% | 3,180 |
| Return on Equity (ROE) | 4.1873% | 5,206 |
| Retained earnings to average equity (ytd only) | 4.1873% | 4,078 |
| Net charge-offs to loans | 3.4771% | 190 |
| Credit loss provision to net charge-offs | 9.4340% | 3,911 |
| Earnings coverage of net charge-offs (x) | 0.7358% | 3,966 |
| Efficiency ratio | 62.8571% | 5,127 |
| Assets per employee ($millions) | 9.9922% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3176% | 7,168 |
| Loan loss allowance to noncurrent loans | 34.9091% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 5,082 |
| Noncurrent loans to loans | 0.9098% | 4,847 |
| Net loans and leases to total assets | 50.2560% | 5,268 |
| Net loans and leases to deposits | 61.3471% | 5,006 |
| Net loans and leases to core deposits | 64.0505% | 5,105 |
| Total domestic deposits to total assets | 81.9208% | 5,328 |
| Equity capital to assets | 17.7789% | 355 |
| Core capital (leverage) ratio | 17.7823% | 305 |
| Tier 1 risk-based capital ratio | 44.5601% | 169 |
| Total risk-based capital ratio | 44.9613% | 177 |
| Memoranda: | ||
| Average total assets | $59,840,500 | 6,072 |
| Average earning assets | $58,598,500 | 5,919 |
| Average equity | $10,603,500 | 4,904 |
| Average total loans | $30,485,500 | 6,089 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 3,844 |
| Cost of funding earning assets | 1.1846% | 2,135 |
| Net interest margin | 3.6085% | 4,697 |
| Noninterest income to average assets | 0.0084% | 6,959 |
| Noninterest expense to average assets | 2.2132% | 6,242 |
| Loan and lease loss provision to assets | 0.4920% | 2,148 |
| Net operating income to assets | 0.5877% | 4,066 |
| Return on assets (ROA) | 0.5877% | 4,247 |
| Pretax return on assets | 0.8430% | 3,809 |
| Return on Equity (ROE) | 3.3608% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.3608% | 3,827 |
| Net charge-offs to loans | 0.1669% | 4,817 |
| Credit loss provision to net charge-offs | 586.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 1,365 |
| Efficiency ratio | 62.3758% | 5,398 |
| Assets per employee ($millions) | 9.9547% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 5,842 |
| Loan loss allowance to noncurrent loans | 24.1379% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 2.6018% | 2,332 |
| Noncurrent loans to loans | 4.5276% | 1,316 |
| Net loans and leases to total assets | 50.9125% | 5,477 |
| Net loans and leases to deposits | 62.0022% | 5,246 |
| Net loans and leases to core deposits | 64.7924% | 5,387 |
| Total domestic deposits to total assets | 82.1139% | 5,091 |
| Equity capital to assets | 17.6601% | 366 |
| Core capital (leverage) ratio | 17.6559% | 320 |
| Tier 1 risk-based capital ratio | 46.0822% | 163 |
| Total risk-based capital ratio | 47.3321% | 159 |
| Memoranda: | ||
| Average total assets | $59,552,200 | 6,056 |
| Average earning assets | $58,417,200 | 5,918 |
| Average equity | $10,414,200 | 4,922 |
| Average total loans | $29,961,000 | 6,159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 3,896 |
| Cost of funding earning assets | 1.1948% | 2,350 |
| Net interest margin | 3.6324% | 4,645 |
| Noninterest income to average assets | 0.0090% | 7,080 |
| Noninterest expense to average assets | 2.2136% | 6,245 |
| Loan and lease loss provision to assets | 0.2218% | 3,798 |
| Net operating income to assets | 0.6968% | 3,639 |
| Return on assets (ROA) | 0.6968% | 3,809 |
| Pretax return on assets | 1.1360% | 2,869 |
| Return on Equity (ROE) | 3.9945% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.9945% | 3,872 |
| Net charge-offs to loans | 0.2240% | 4,037 |
| Credit loss provision to net charge-offs | 198.0000% | 1,480 |
| Earnings coverage of net charge-offs (x) | 12.1191% | 1,736 |
| Efficiency ratio | 61.9824% | 5,411 |
| Assets per employee ($millions) | 10.1975% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4630% | 7,184 |
| Loan loss allowance to noncurrent loans | 21.9814% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 4,495 |
| Noncurrent loans to loans | 2.1062% | 3,236 |
| Net loans and leases to total assets | 49.8979% | 5,715 |
| Net loans and leases to deposits | 60.7574% | 5,545 |
| Net loans and leases to core deposits | 63.7476% | 5,646 |
| Total domestic deposits to total assets | 82.1263% | 5,044 |
| Equity capital to assets | 17.2183% | 464 |
| Core capital (leverage) ratio | 17.2156% | 378 |
| Tier 1 risk-based capital ratio | 45.0899% | 178 |
| Total risk-based capital ratio | 45.6978% | 183 |
| Memoranda: | ||
| Average total assets | $59,508,250 | 6,107 |
| Average earning assets | $58,362,000 | 5,964 |
| Average equity | $10,380,750 | 4,941 |
| Average total loans | $29,765,000 | 6,228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 3,739 |
| Cost of funding earning assets | 1.2150% | 2,476 |
| Net interest margin | 3.6588% | 4,479 |
| Noninterest income to average assets | 0.0102% | 7,166 |
| Noninterest expense to average assets | 2.3206% | 6,063 |
| Loan and lease loss provision to assets | 0.1866% | 4,048 |
| Net operating income to assets | 0.7260% | 3,407 |
| Return on assets (ROA) | 0.7260% | 3,529 |
| Pretax return on assets | 1.0891% | 2,893 |
| Return on Equity (ROE) | 4.1435% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.1435% | 3,559 |
| Net charge-offs to loans | 0.3394% | 3,211 |
| Credit loss provision to net charge-offs | 110.0000% | 2,790 |
| Earnings coverage of net charge-offs (x) | 7.5200% | 2,206 |
| Efficiency ratio | 64.5283% | 5,142 |
| Assets per employee ($millions) | 9.9327% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3258% | 7,333 |
| Loan loss allowance to noncurrent loans | 16.8385% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 4,747 |
| Noncurrent loans to loans | 1.9350% | 3,562 |
| Net loans and leases to total assets | 50.3037% | 5,780 |
| Net loans and leases to deposits | 61.4210% | 5,566 |
| Net loans and leases to core deposits | 64.5237% | 5,667 |
| Total domestic deposits to total assets | 81.8998% | 5,202 |
| Equity capital to assets | 17.5146% | 424 |
| Core capital (leverage) ratio | 17.5104% | 367 |
| Tier 1 risk-based capital ratio | 45.7194% | 172 |
| Total risk-based capital ratio | 46.1488% | 177 |
| Memoranda: | ||
| Average total assets | $58,949,330 | 6,173 |
| Average earning assets | $57,778,330 | 6,028 |
| Average equity | $10,329,330 | 4,967 |
| Average total loans | $29,462,670 | 6,313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 4,339 |
| Cost of funding earning assets | 1.2473% | 2,521 |
| Net interest margin | 3.4911% | 5,051 |
| Noninterest income to average assets | 0.0068% | 7,282 |
| Noninterest expense to average assets | 2.2925% | 6,205 |
| Loan and lease loss provision to assets | 0.0341% | 5,548 |
| Net operating income to assets | 0.6891% | 3,559 |
| Return on assets (ROA) | 0.6891% | 3,631 |
| Pretax return on assets | 1.0985% | 2,759 |
| Return on Equity (ROE) | 3.9319% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.9319% | 3,813 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9323% | 4,865 |
| Assets per employee ($millions) | 9.7837% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3299% | 7,389 |
| Loan loss allowance to noncurrent loans | 20.1663% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 4,821 |
| Noncurrent loans to loans | 1.6360% | 4,027 |
| Net loans and leases to total assets | 49.9199% | 5,860 |
| Net loans and leases to deposits | 60.9218% | 5,628 |
| Net loans and leases to core deposits | 63.0194% | 5,823 |
| Total domestic deposits to total assets | 81.9410% | 5,339 |
| Equity capital to assets | 17.5905% | 397 |
| Core capital (leverage) ratio | 17.5877% | 356 |
| Tier 1 risk-based capital ratio | 45.7888% | 166 |
| Total risk-based capital ratio | 46.2190% | 171 |
| Memoranda: | ||
| Average total assets | $58,626,000 | 6,236 |
| Average earning assets | $57,403,500 | 6,084 |
| Average equity | $10,275,000 | 4,969 |
| Average total loans | $29,155,500 | 6,368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 4,665 |
| Cost of funding earning assets | 1.6313% | 1,906 |
| Net interest margin | 3.3463% | 5,806 |
| Noninterest income to average assets | 0.0136% | 7,234 |
| Noninterest expense to average assets | 2.4755% | 5,877 |
| Loan and lease loss provision to assets | 0.1143% | 6,016 |
| Net operating income to assets | 0.4214% | 4,455 |
| Return on assets (ROA) | 0.4214% | 4,585 |
| Pretax return on assets | 0.7029% | 3,965 |
| Return on Equity (ROE) | 2.4416% | 5,210 |
| Retained earnings to average equity (ytd only) | 2.4416% | 4,170 |
| Net charge-offs to loans | 0.0679% | 6,120 |
| Credit loss provision to net charge-offs | 335.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 23.9500% | 884 |
| Efficiency ratio | 75.1813% | 3,168 |
| Assets per employee ($millions) | 9.7583% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3251% | 7,473 |
| Loan loss allowance to noncurrent loans | 11.4216% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 1.7882% | 3,639 |
| Noncurrent loans to loans | 2.8468% | 2,672 |
| Net loans and leases to total assets | 49.2161% | 6,254 |
| Net loans and leases to deposits | 59.8811% | 6,070 |
| Net loans and leases to core deposits | 61.2052% | 6,302 |
| Total domestic deposits to total assets | 82.1896% | 5,130 |
| Equity capital to assets | 17.4620% | 408 |
| Core capital (leverage) ratio | 17.4648% | 361 |
| Tier 1 risk-based capital ratio | 45.3602% | 169 |
| Total risk-based capital ratio | 45.7771% | 177 |
| Memoranda: | ||
| Average total assets | $58,614,600 | 6,255 |
| Average earning assets | $57,437,200 | 6,082 |
| Average equity | $10,116,200 | 5,100 |
| Average total loans | $29,455,200 | 6,425 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 4,668 |
| Cost of funding earning assets | 1.7052% | 1,852 |
| Net interest margin | 3.3268% | 5,935 |
| Noninterest income to average assets | 0.0091% | 7,414 |
| Noninterest expense to average assets | 2.3082% | 6,301 |
| Loan and lease loss provision to assets | 0.0910% | 6,127 |
| Net operating income to assets | 0.4525% | 4,529 |
| Return on assets (ROA) | 0.4525% | 4,716 |
| Pretax return on assets | 0.8710% | 3,659 |
| Return on Equity (ROE) | 2.6298% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.6298% | 4,576 |
| Net charge-offs to loans | 0.0901% | 5,626 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 21.1470% | 1,139 |
| Efficiency ratio | 70.5841% | 3,962 |
| Assets per employee ($millions) | 9.7045% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2300% | 7,631 |
| Loan loss allowance to noncurrent loans | 8.8859% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2949% | 4,551 |
| Noncurrent loans to loans | 2.5882% | 3,038 |
| Net loans and leases to total assets | 49.9167% | 6,331 |
| Net loans and leases to deposits | 61.0173% | 6,208 |
| Net loans and leases to core deposits | 62.3739% | 6,422 |
| Total domestic deposits to total assets | 81.8074% | 5,071 |
| Equity capital to assets | 17.4764% | 469 |
| Core capital (leverage) ratio | 17.4790% | 390 |
| Tier 1 risk-based capital ratio | 45.4964% | 174 |
| Total risk-based capital ratio | 45.7959% | 185 |
| Memoranda: | ||
| Average total assets | $58,630,750 | 6,319 |
| Average earning assets | $57,471,750 | 6,145 |
| Average equity | $10,089,250 | 5,165 |
| Average total loans | $29,591,500 | 6,506 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 4,630 |
| Cost of funding earning assets | 1.7829% | 1,708 |
| Net interest margin | 3.2843% | 6,069 |
| Noninterest income to average assets | 0.0068% | 7,503 |
| Noninterest expense to average assets | 2.2700% | 6,438 |
| Loan and lease loss provision to assets | 0.1021% | 5,895 |
| Net operating income to assets | 0.5105% | 4,275 |
| Return on assets (ROA) | 0.5105% | 4,426 |
| Pretax return on assets | 0.8508% | 3,699 |
| Return on Equity (ROE) | 2.9820% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.9820% | 4,225 |
| Net charge-offs to loans | 0.1345% | 4,865 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,555 |
| Efficiency ratio | 70.4329% | 4,104 |
| Assets per employee ($millions) | 9.9167% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1902% | 7,710 |
| Loan loss allowance to noncurrent loans | 11.5385% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 5,461 |
| Noncurrent loans to loans | 1.6488% | 4,236 |
| Net loans and leases to total assets | 50.2605% | 6,402 |
| Net loans and leases to deposits | 60.9051% | 6,322 |
| Net loans and leases to core deposits | 61.9420% | 6,554 |
| Total domestic deposits to total assets | 82.5227% | 4,777 |
| Equity capital to assets | 17.0235% | 523 |
| Core capital (leverage) ratio | 17.0260% | 437 |
| Tier 1 risk-based capital ratio | 44.4810% | 188 |
| Total risk-based capital ratio | 44.7313% | 193 |
| Memoranda: | ||
| Average total assets | $58,765,330 | 6,359 |
| Average earning assets | $57,547,330 | 6,185 |
| Average equity | $10,060,330 | 5,179 |
| Average total loans | $29,744,670 | 6,544 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 4,095 |
| Cost of funding earning assets | 1.8297% | 1,753 |
| Net interest margin | 3.3579% | 5,759 |
| Noninterest income to average assets | 0.0068% | 7,634 |
| Noninterest expense to average assets | 2.2535% | 6,529 |
| Loan and lease loss provision to assets | 0.1027% | 5,599 |
| Net operating income to assets | 0.6028% | 3,883 |
| Return on assets (ROA) | 0.6028% | 4,030 |
| Pretax return on assets | 0.9315% | 3,338 |
| Return on Equity (ROE) | 3.5109% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.5109% | 4,039 |
| Net charge-offs to loans | 0.2699% | 3,331 |
| Credit loss provision to net charge-offs | 75.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | 7.5500% | 2,072 |
| Efficiency ratio | 68.5417% | 4,620 |
| Assets per employee ($millions) | 9.8163% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1432% | 7,828 |
| Loan loss allowance to noncurrent loans | 10.0478% | 7,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 5,745 |
| Noncurrent loans to loans | 1.4255% | 4,595 |
| Net loans and leases to total assets | 49.7165% | 6,494 |
| Net loans and leases to deposits | 60.2163% | 6,445 |
| Net loans and leases to core deposits | 61.9843% | 6,603 |
| Total domestic deposits to total assets | 82.5631% | 4,819 |
| Equity capital to assets | 17.0974% | 523 |
| Core capital (leverage) ratio | 17.0962% | 449 |
| Tier 1 risk-based capital ratio | 44.9469% | 192 |
| Total risk-based capital ratio | 45.1344% | 200 |
| Memoranda: | ||
| Average total assets | $58,398,000 | 6,453 |
| Average earning assets | $57,060,000 | 6,274 |
| Average equity | $10,026,000 | 5,230 |
| Average total loans | $29,636,000 | 6,624 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 5,710 |
| Cost of funding earning assets | 2.6077% | 763 |
| Net interest margin | 2.5794% | 7,349 |
| Noninterest income to average assets | 0.0122% | 7,652 |
| Noninterest expense to average assets | 2.1634% | 7,060 |
| Loan and lease loss provision to assets | 0.0365% | 7,176 |
| Net operating income to assets | 0.2934% | 4,559 |
| Return on assets (ROA) | 0.2934% | 4,639 |
| Pretax return on assets | 0.3455% | 4,655 |
| Return on Equity (ROE) | 1.7068% | 5,017 |
| Retained earnings to average equity (ytd only) | 1.7068% | 3,886 |
| Net charge-offs to loans | 0.1405% | 5,819 |
| Credit loss provision to net charge-offs | 50.0000% | 6,745 |
| Earnings coverage of net charge-offs (x) | 5.2381% | 2,649 |
| Efficiency ratio | 84.9932% | 2,230 |
| Assets per employee ($millions) | 9.6497% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1569% | 7,896 |
| Loan loss allowance to noncurrent loans | 6.6104% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 4,244 |
| Noncurrent loans to loans | 2.3741% | 3,198 |
| Net loans and leases to total assets | 51.6443% | 6,461 |
| Net loans and leases to deposits | 62.6356% | 6,395 |
| Net loans and leases to core deposits | 96.2995% | 4,428 |
| Total domestic deposits to total assets | 82.4519% | 4,758 |
| Equity capital to assets | 17.2407% | 528 |
| Core capital (leverage) ratio | 17.2395% | 466 |
| Tier 1 risk-based capital ratio | 44.0254% | 198 |
| Total risk-based capital ratio | 44.2327% | 206 |
| Memoranda: | ||
| Average total assets | $57,594,800 | 6,444 |
| Average earning assets | $56,564,000 | 6,269 |
| Average equity | $9,901,600 | 5,322 |
| Average total loans | $29,891,200 | 6,627 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2653% | 5,595 |
| Cost of funding earning assets | 2.7469% | 692 |
| Net interest margin | 2.5184% | 7,441 |
| Noninterest income to average assets | 0.0116% | 7,799 |
| Noninterest expense to average assets | 2.0051% | 7,372 |
| Loan and lease loss provision to assets | 0.0139% | 7,193 |
| Net operating income to assets | 0.3222% | 4,709 |
| Return on assets (ROA) | 0.3222% | 4,817 |
| Pretax return on assets | 0.4706% | 4,613 |
| Return on Equity (ROE) | 1.8755% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.8755% | 4,272 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5400% | 2,766 |
| Assets per employee ($millions) | 9.7502% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2473% | 7,943 |
| Loan loss allowance to noncurrent loans | 5.9968% | 7,500 |
| Noncurrent assets plus other real estate owned to assets | 2.2085% | 3,088 |
| Noncurrent loans to loans | 4.1245% | 1,765 |
| Net loans and leases to total assets | 51.0162% | 6,699 |
| Net loans and leases to deposits | 61.8190% | 6,691 |
| Net loans and leases to core deposits | 95.6939% | 4,840 |
| Total domestic deposits to total assets | 82.5251% | 4,434 |
| Equity capital to assets | 17.0134% | 629 |
| Core capital (leverage) ratio | 17.0108% | 554 |
| Tier 1 risk-based capital ratio | 43.5226% | 231 |
| Total risk-based capital ratio | 43.8462% | 236 |
| Memoranda: | ||
| Average total assets | $57,519,000 | 6,487 |
| Average earning assets | $56,595,500 | 6,311 |
| Average equity | $9,881,500 | 5,369 |
| Average total loans | $29,877,000 | 6,688 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 5,807 |
| Cost of funding earning assets | 2.8765% | 647 |
| Net interest margin | 2.3894% | 7,582 |
| Noninterest income to average assets | 0.0140% | 7,900 |
| Noninterest expense to average assets | 1.9373% | 7,574 |
| Loan and lease loss provision to assets | 0.0140% | 7,080 |
| Net operating income to assets | 0.3287% | 4,766 |
| Return on assets (ROA) | 0.3287% | 4,887 |
| Pretax return on assets | 0.4126% | 4,896 |
| Return on Equity (ROE) | 1.9071% | 5,339 |
| Retained earnings to average equity (ytd only) | 1.9071% | 4,284 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9527% | 2,729 |
| Assets per employee ($millions) | 9.7868% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2407% | 8,035 |
| Loan loss allowance to noncurrent loans | 12.6761% | 7,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0644% | 4,839 |
| Noncurrent loans to loans | 1.8986% | 3,671 |
| Net loans and leases to total assets | 50.8234% | 6,795 |
| Net loans and leases to deposits | 61.3885% | 6,788 |
| Net loans and leases to core deposits | 93.8166% | 5,139 |
| Total domestic deposits to total assets | 82.7898% | 4,340 |
| Equity capital to assets | 16.8696% | 681 |
| Core capital (leverage) ratio | 16.8710% | 631 |
| Tier 1 risk-based capital ratio | 43.7260% | 242 |
| Total risk-based capital ratio | 44.0438% | 251 |
| Memoranda: | ||
| Average total assets | $57,191,670 | 6,544 |
| Average earning assets | $56,249,330 | 6,373 |
| Average equity | $9,857,670 | 5,402 |
| Average total loans | $29,863,000 | 6,742 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 6,199 |
| Cost of funding earning assets | 2.9383% | 701 |
| Net interest margin | 2.2886% | 7,727 |
| Noninterest income to average assets | 0.0071% | 8,027 |
| Noninterest expense to average assets | 1.8714% | 7,608 |
| Loan and lease loss provision to assets | 0.0142% | 6,673 |
| Net operating income to assets | 0.3048% | 5,278 |
| Return on assets (ROA) | 0.3048% | 5,451 |
| Pretax return on assets | 0.3686% | 5,486 |
| Return on Equity (ROE) | 1.7491% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.7491% | 4,878 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0189% | 2,407 |
| Assets per employee ($millions) | 9.5320% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2338% | 8,082 |
| Loan loss allowance to noncurrent loans | 13.3843% | 7,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 4,664 |
| Noncurrent loans to loans | 1.7467% | 3,645 |
| Net loans and leases to total assets | 52.2328% | 6,659 |
| Net loans and leases to deposits | 63.3318% | 6,623 |
| Net loans and leases to core deposits | 95.5630% | 5,016 |
| Total domestic deposits to total assets | 82.4748% | 4,382 |
| Equity capital to assets | 17.2314% | 697 |
| Core capital (leverage) ratio | 17.2300% | 630 |
| Tier 1 risk-based capital ratio | 44.0639% | 266 |
| Total risk-based capital ratio | 44.3769% | 271 |
| Memoranda: | ||
| Average total assets | $56,427,000 | 6,612 |
| Average earning assets | $55,406,000 | 6,440 |
| Average equity | $9,833,500 | 5,440 |
| Average total loans | $29,836,500 | 6,776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 6,438 |
| Cost of funding earning assets | 3.4211% | 674 |
| Net interest margin | 2.3778% | 7,867 |
| Noninterest income to average assets | 0.0076% | 8,078 |
| Noninterest expense to average assets | 2.0653% | 7,311 |
| Loan and lease loss provision to assets | 0.0992% | 6,110 |
| Net operating income to assets | 0.1430% | 5,998 |
| Return on assets (ROA) | 0.1430% | 5,821 |
| Pretax return on assets | 0.1774% | 5,777 |
| Return on Equity (ROE) | 0.7654% | 5,985 |
| Retained earnings to average equity (ytd only) | 0.7654% | 4,767 |
| Net charge-offs to loans | 0.1327% | 4,892 |
| Credit loss provision to net charge-offs | 136.8421% | 3,894 |
| Earnings coverage of net charge-offs (x) | 3.8158% | 4,219 |
| Efficiency ratio | 88.1922% | 1,662 |
| Assets per employee ($millions) | 9.2770% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2287% | 8,146 |
| Loan loss allowance to noncurrent loans | 74.7253% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 6,536 |
| Noncurrent loans to loans | 0.3061% | 6,463 |
| Net loans and leases to total assets | 53.2895% | 6,723 |
| Net loans and leases to deposits | 64.9002% | 6,725 |
| Net loans and leases to core deposits | 98.2739% | 5,011 |
| Total domestic deposits to total assets | 82.1099% | 4,155 |
| Equity capital to assets | 17.6278% | 700 |
| Core capital (leverage) ratio | 17.6263% | 640 |
| Tier 1 risk-based capital ratio | 44.9469% | 264 |
| Total risk-based capital ratio | 45.2630% | 271 |
| Memoranda: | ||
| Average total assets | $52,438,200 | 6,682 |
| Average earning assets | $51,475,400 | 6,527 |
| Average equity | $9,798,400 | 5,479 |
| Average total loans | $28,640,200 | 6,787 |