Home > Gunnison Savings and Loan Association > Performance and Condition Ratios
Gunnison 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 | 3.1825% | 4,490 |
| Cost of funding earning assets | 1.0749% | 3,128 |
| Net interest margin | 2.1076% | 4,367 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.1689% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0750% | 4,420 |
| Return on assets (ROA) | -0.0759% | 4,403 |
| Pretax return on assets | -0.0759% | 4,394 |
| Return on Equity (ROE) | -0.6100% | 4,373 |
| Retained earnings to average equity (ytd only) | -0.6085% | 4,154 |
| 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 | 103.5810% | 153 |
| Assets per employee ($millions) | 7.8821% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 3,518 |
| Loan loss allowance to noncurrent loans | 392.3077% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 2,692 |
| Noncurrent loans to loans | 0.2432% | 2,329 |
| Net loans and leases to total assets | 51.6600% | 3,501 |
| Net loans and leases to deposits | 64.5692% | 3,259 |
| Net loans and leases to core deposits | 67.4666% | 3,433 |
| Total domestic deposits to total assets | 80.0100% | 3,461 |
| Equity capital to assets | 12.9300% | 871 |
| Core capital (leverage) ratio | 12.8566% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $106,690,000 | 3,767 |
| Average earning assets | $104,006,000 | 3,706 |
| Average equity | $13,311,600 | 3,394 |
| Average total loans | $52,069,800 | 3,809 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1495% | 4,501 |
| Cost of funding earning assets | 1.0101% | 3,003 |
| Net interest margin | 2.1394% | 4,387 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 2.1321% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.0000% | 4,397 |
| Pretax return on assets | -0.0037% | 4,406 |
| Return on Equity (ROE) | 0.0000% | 4,383 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.1744% | 175 |
| Assets per employee ($millions) | 8.2315% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,501 |
| Loan loss allowance to noncurrent loans | 372.2628% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,704 |
| Noncurrent loans to loans | 0.2604% | 2,303 |
| Net loans and leases to total assets | 48.6900% | 3,701 |
| Net loans and leases to deposits | 58.5542% | 3,579 |
| Net loans and leases to core deposits | 61.1410% | 3,650 |
| Total domestic deposits to total assets | 83.1600% | 2,986 |
| Equity capital to assets | 12.4568% | 931 |
| Core capital (leverage) ratio | 12.4981% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $107,745,750 | 3,776 |
| Average earning assets | $105,072,250 | 3,708 |
| Average equity | $13,327,250 | 3,392 |
| Average total loans | $51,725,000 | 3,828 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0650% | 4,533 |
| Cost of funding earning assets | 0.9292% | 2,835 |
| Net interest margin | 2.1358% | 4,449 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 2.1465% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0222% | 4,487 |
| Return on assets (ROA) | -0.0222% | 4,475 |
| Pretax return on assets | -0.0352% | 4,471 |
| Return on Equity (ROE) | -0.1800% | 4,447 |
| Retained earnings to average equity (ytd only) | -0.1801% | 4,126 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 101.6667% | 153 |
| Assets per employee ($millions) | 7.3157% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,478 |
| Loan loss allowance to noncurrent loans | 359.1549% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 2,646 |
| Noncurrent loans to loans | 0.2752% | 2,168 |
| Net loans and leases to total assets | 46.5500% | 3,768 |
| Net loans and leases to deposits | 55.8122% | 3,658 |
| Net loans and leases to core deposits | 58.6151% | 3,689 |
| Total domestic deposits to total assets | 83.4100% | 2,956 |
| Equity capital to assets | 12.1365% | 1,011 |
| Core capital (leverage) ratio | 12.4246% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $107,991,000 | 3,787 |
| Average earning assets | $105,254,000 | 3,722 |
| Average equity | $13,326,333 | 3,404 |
| Average total loans | $51,427,333 | 3,842 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 4,552 |
| Cost of funding earning assets | 0.8231% | 2,638 |
| Net interest margin | 2.2204% | 4,490 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.1882% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0037% | 4,479 |
| Return on assets (ROA) | 0.0037% | 4,464 |
| Pretax return on assets | 0.0075% | 4,447 |
| Return on Equity (ROE) | 0.0300% | 4,451 |
| Retained earnings to average equity (ytd only) | 0.0300% | 4,011 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.6599% | 178 |
| Assets per employee ($millions) | 7.0639% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,556 |
| Loan loss allowance to noncurrent loans | 340.0000% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 2,516 |
| Noncurrent loans to loans | 0.2910% | 2,097 |
| Net loans and leases to total assets | 48.1700% | 3,615 |
| Net loans and leases to deposits | 58.1978% | 3,441 |
| Net loans and leases to core deposits | 61.2474% | 3,490 |
| Total domestic deposits to total assets | 82.7700% | 3,340 |
| Equity capital to assets | 12.5814% | 848 |
| Core capital (leverage) ratio | 12.4934% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $107,119,000 | 3,845 |
| Average earning assets | $104,485,500 | 3,778 |
| Average equity | $13,330,500 | 3,442 |
| Average total loans | $51,343,000 | 3,885 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6292% | 4,444 |
| Cost of funding earning assets | 0.5205% | 1,263 |
| Net interest margin | 2.1087% | 4,520 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.0253% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0689% | 4,532 |
| Return on assets (ROA) | 0.0689% | 4,518 |
| Pretax return on assets | 0.0680% | 4,516 |
| Return on Equity (ROE) | 0.5800% | 4,515 |
| Retained earnings to average equity (ytd only) | 0.5799% | 4,263 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.7535% | 187 |
| Assets per employee ($millions) | 6.3694% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,405 |
| Loan loss allowance to noncurrent loans | 335.5263% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 2,555 |
| Noncurrent loans to loans | 0.2973% | 2,075 |
| Net loans and leases to total assets | 46.7500% | 3,750 |
| Net loans and leases to deposits | 54.1035% | 3,673 |
| Net loans and leases to core deposits | 56.2272% | 3,710 |
| Total domestic deposits to total assets | 86.4100% | 2,599 |
| Equity capital to assets | 12.3107% | 847 |
| Core capital (leverage) ratio | 12.0379% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $111,833,400 | 3,812 |
| Average earning assets | $108,739,800 | 3,734 |
| Average equity | $13,277,200 | 3,544 |
| Average total loans | $48,533,000 | 3,918 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5393% | 4,431 |
| Cost of funding earning assets | 0.4954% | 762 |
| Net interest margin | 2.0438% | 4,540 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.0037% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0473% | 4,571 |
| Return on assets (ROA) | 0.0473% | 4,541 |
| Pretax return on assets | 0.0331% | 4,545 |
| Return on Equity (ROE) | 0.4000% | 4,534 |
| Retained earnings to average equity (ytd only) | 0.4021% | 4,284 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 98.3740% | 175 |
| Assets per employee ($millions) | 6.8794% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,225 |
| Loan loss allowance to noncurrent loans | 320.7547% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 2,599 |
| Noncurrent loans to loans | 0.3288% | 2,050 |
| Net loans and leases to total assets | 43.4700% | 3,909 |
| Net loans and leases to deposits | 50.1594% | 3,845 |
| Net loans and leases to core deposits | 52.4738% | 3,831 |
| Total domestic deposits to total assets | 86.6500% | 2,870 |
| Equity capital to assets | 12.0768% | 873 |
| Core capital (leverage) ratio | 11.8017% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $112,721,750 | 3,827 |
| Average earning assets | $109,530,750 | 3,755 |
| Average equity | $13,264,000 | 3,589 |
| Average total loans | $47,883,000 | 3,947 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4376% | 4,433 |
| Cost of funding earning assets | 0.4712% | 619 |
| Net interest margin | 1.9664% | 4,573 |
| Noninterest income to average assets | 0.0546% | 4,617 |
| Noninterest expense to average assets | 1.9453% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0194% | 4,568 |
| Return on assets (ROA) | 0.0194% | 4,541 |
| Pretax return on assets | 0.0194% | 4,533 |
| Return on Equity (ROE) | 0.1660% | 4,541 |
| Retained earnings to average equity (ytd only) | 0.1660% | 4,157 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0143% | 202 |
| Assets per employee ($millions) | 6.3834% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,353 |
| Loan loss allowance to noncurrent loans | 310.9756% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 2,725 |
| Noncurrent loans to loans | 0.3390% | 2,125 |
| Net loans and leases to total assets | 41.6593% | 3,994 |
| Net loans and leases to deposits | 47.7448% | 3,930 |
| Net loans and leases to core deposits | 49.7552% | 3,946 |
| Total domestic deposits to total assets | 87.2542% | 2,851 |
| Equity capital to assets | 11.5439% | 1,019 |
| Core capital (leverage) ratio | 11.8107% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,605,333 | 3,855 |
| Average earning assets | $110,352,333 | 3,803 |
| Average equity | $13,254,333 | 3,661 |
| Average total loans | $47,726,333 | 3,996 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3577% | 4,409 |
| Cost of funding earning assets | 0.4664% | 592 |
| Net interest margin | 1.8913% | 4,582 |
| Noninterest income to average assets | 0.0637% | 4,625 |
| Noninterest expense to average assets | 1.9264% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0248% | 4,559 |
| Return on assets (ROA) | -0.0248% | 4,538 |
| Pretax return on assets | -0.0248% | 4,531 |
| Return on Equity (ROE) | -0.2113% | 4,541 |
| Retained earnings to average equity (ytd only) | -0.2113% | 4,043 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3035% | 222 |
| Assets per employee ($millions) | 6.2543% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,515 |
| Loan loss allowance to noncurrent loans | 298.2456% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,733 |
| Noncurrent loans to loans | 0.3533% | 2,216 |
| Net loans and leases to total assets | 42.5456% | 3,847 |
| Net loans and leases to deposits | 48.9109% | 3,822 |
| Net loans and leases to core deposits | 51.0205% | 3,805 |
| Total domestic deposits to total assets | 86.9859% | 2,933 |
| Equity capital to assets | 11.7661% | 1,034 |
| Core capital (leverage) ratio | 11.7251% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,957,500 | 3,884 |
| Average earning assets | $109,766,000 | 3,825 |
| Average equity | $13,249,500 | 3,732 |
| Average total loans | $47,401,000 | 4,019 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4170% | 4,532 |
| Cost of funding earning assets | 0.5536% | 697 |
| Net interest margin | 1.8633% | 4,649 |
| Noninterest income to average assets | 0.8326% | 1,370 |
| Noninterest expense to average assets | 2.0701% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4259% | 4,232 |
| Return on assets (ROA) | 0.4259% | 4,271 |
| Pretax return on assets | 0.5701% | 4,155 |
| Return on Equity (ROE) | 3.5095% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.5095% | 3,416 |
| Net charge-offs to loans | -0.0127% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4075% | 914 |
| Assets per employee ($millions) | 6.2965% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,359 |
| Loan loss allowance to noncurrent loans | 294.7977% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,875 |
| Noncurrent loans to loans | 0.3729% | 2,248 |
| Net loans and leases to total assets | 40.4855% | 4,069 |
| Net loans and leases to deposits | 46.5125% | 4,072 |
| Net loans and leases to core deposits | 48.5273% | 4,073 |
| Total domestic deposits to total assets | 87.0422% | 2,505 |
| Equity capital to assets | 11.6934% | 1,397 |
| Core capital (leverage) ratio | 11.7246% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,933,800 | 3,906 |
| Average earning assets | $105,670,000 | 3,846 |
| Average equity | $13,221,400 | 3,808 |
| Average total loans | $47,428,000 | 4,049 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4530% | 4,604 |
| Cost of funding earning assets | 0.5702% | 741 |
| Net interest margin | 1.8828% | 4,722 |
| Noninterest income to average assets | 1.0769% | 952 |
| Noninterest expense to average assets | 2.0525% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6553% | 3,883 |
| Return on assets (ROA) | 0.6553% | 3,936 |
| Pretax return on assets | 0.8494% | 3,801 |
| Return on Equity (ROE) | 5.3479% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.3479% | 3,090 |
| Net charge-offs to loans | -0.0168% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7286% | 1,523 |
| Assets per employee ($millions) | 6.2793% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,451 |
| Loan loss allowance to noncurrent loans | 286.5169% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,067 |
| Noncurrent loans to loans | 0.3832% | 2,411 |
| Net loans and leases to total assets | 40.6501% | 4,177 |
| Net loans and leases to deposits | 46.7577% | 4,199 |
| Net loans and leases to core deposits | 48.9230% | 4,195 |
| Total domestic deposits to total assets | 86.9377% | 2,375 |
| Equity capital to assets | 11.7838% | 1,496 |
| Core capital (leverage) ratio | 12.3212% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,833,000 | 3,964 |
| Average earning assets | $104,524,500 | 3,904 |
| Average equity | $13,213,500 | 3,864 |
| Average total loans | $47,686,250 | 4,100 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5577% | 4,579 |
| Cost of funding earning assets | 0.5872% | 794 |
| Net interest margin | 1.9705% | 4,720 |
| Noninterest income to average assets | 1.6041% | 483 |
| Noninterest expense to average assets | 2.1282% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0612% | 2,676 |
| Return on assets (ROA) | 1.0612% | 2,751 |
| Pretax return on assets | 1.3798% | 2,392 |
| Return on Equity (ROE) | 8.5443% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.5443% | 1,879 |
| Net charge-offs to loans | -0.0249% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6663% | 2,919 |
| Assets per employee ($millions) | 5.9645% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,451 |
| Loan loss allowance to noncurrent loans | 277.1739% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 3,125 |
| Noncurrent loans to loans | 0.3942% | 2,492 |
| Net loans and leases to total assets | 43.0044% | 4,115 |
| Net loans and leases to deposits | 50.0352% | 4,107 |
| Net loans and leases to core deposits | 52.5202% | 4,107 |
| Total domestic deposits to total assets | 85.9483% | 2,758 |
| Equity capital to assets | 12.4365% | 1,163 |
| Core capital (leverage) ratio | 12.5943% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,101,333 | 3,998 |
| Average earning assets | $102,514,333 | 3,945 |
| Average equity | $13,178,333 | 3,875 |
| Average total loans | $48,096,333 | 4,117 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5972% | 4,574 |
| Cost of funding earning assets | 0.5972% | 881 |
| Net interest margin | 2.0000% | 4,733 |
| Noninterest income to average assets | 3.1250% | 191 |
| Noninterest expense to average assets | 2.1807% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2034% | 412 |
| Return on assets (ROA) | 2.2034% | 450 |
| Pretax return on assets | 2.8747% | 274 |
| Return on Equity (ROE) | 17.7520% | 754 |
| Retained earnings to average equity (ytd only) | 17.7520% | 375 |
| Net charge-offs to loans | -0.0492% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1358% | 4,623 |
| Assets per employee ($millions) | 5.5608% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,515 |
| Loan loss allowance to noncurrent loans | 261.5385% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 3,241 |
| Noncurrent loans to loans | 0.4136% | 2,615 |
| Net loans and leases to total assets | 44.1433% | 4,102 |
| Net loans and leases to deposits | 51.6844% | 4,063 |
| Net loans and leases to core deposits | 54.3223% | 4,081 |
| Total domestic deposits to total assets | 85.4093% | 2,960 |
| Equity capital to assets | 12.6543% | 1,010 |
| Core capital (leverage) ratio | 12.8406% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,471,500 | 4,010 |
| Average earning assets | $101,800,500 | 3,961 |
| Average equity | $13,091,500 | 3,894 |
| Average total loans | $48,804,500 | 4,128 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 4,145 |
| Cost of funding earning assets | 0.7236% | 1,595 |
| Net interest margin | 2.7136% | 4,361 |
| Noninterest income to average assets | 0.1682% | 4,449 |
| Noninterest expense to average assets | 2.4369% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2655% | 4,485 |
| Return on assets (ROA) | 0.2655% | 4,548 |
| Pretax return on assets | 0.3462% | 4,493 |
| Return on Equity (ROE) | 2.1226% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.1226% | 3,772 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5618% | 463 |
| Assets per employee ($millions) | 5.2644% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,872 |
| Loan loss allowance to noncurrent loans | 205.7143% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,125 |
| Noncurrent loans to loans | 0.4855% | 2,510 |
| Net loans and leases to total assets | 47.4465% | 4,010 |
| Net loans and leases to deposits | 55.1252% | 4,065 |
| Net loans and leases to core deposits | 58.0967% | 4,046 |
| Total domestic deposits to total assets | 86.0705% | 2,334 |
| Equity capital to assets | 12.1696% | 1,488 |
| Core capital (leverage) ratio | 12.3126% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,685,000 | 3,971 |
| Average earning assets | $97,987,400 | 3,909 |
| Average equity | $12,720,400 | 3,894 |
| Average total loans | $55,449,000 | 3,990 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 4,011 |
| Cost of funding earning assets | 0.7542% | 1,715 |
| Net interest margin | 2.8450% | 4,270 |
| Noninterest income to average assets | 0.1733% | 4,427 |
| Noninterest expense to average assets | 2.4421% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3717% | 4,320 |
| Return on assets (ROA) | 0.3717% | 4,380 |
| Pretax return on assets | 0.4710% | 4,342 |
| Return on Equity (ROE) | 2.9507% | 4,399 |
| Retained earnings to average equity (ytd only) | 2.9507% | 3,543 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8329% | 616 |
| Assets per employee ($millions) | 5.1247% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 3,975 |
| Loan loss allowance to noncurrent loans | 245.8537% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 3,437 |
| Noncurrent loans to loans | 0.3786% | 2,928 |
| Net loans and leases to total assets | 52.3396% | 3,945 |
| Net loans and leases to deposits | 61.1109% | 3,984 |
| Net loans and leases to core deposits | 64.5144% | 3,983 |
| Total domestic deposits to total assets | 85.6470% | 2,201 |
| Equity capital to assets | 12.5120% | 1,421 |
| Core capital (leverage) ratio | 12.6306% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,784,500 | 3,979 |
| Average earning assets | $97,055,750 | 3,924 |
| Average equity | $12,697,250 | 3,898 |
| Average total loans | $56,696,500 | 3,990 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 3,947 |
| Cost of funding earning assets | 0.7789% | 1,937 |
| Net interest margin | 2.9914% | 4,140 |
| Noninterest income to average assets | 0.1976% | 4,288 |
| Noninterest expense to average assets | 2.5126% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4331% | 4,160 |
| Return on assets (ROA) | 0.4331% | 4,225 |
| Pretax return on assets | 0.5668% | 4,125 |
| Return on Equity (ROE) | 3.4295% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.4295% | 3,208 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5943% | 784 |
| Assets per employee ($millions) | 5.3218% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 3,997 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 3,501 |
| Noncurrent loans to loans | 0.3759% | 3,066 |
| Net loans and leases to total assets | 54.7491% | 3,810 |
| Net loans and leases to deposits | 64.2313% | 3,863 |
| Net loans and leases to core deposits | 67.6678% | 3,880 |
| Total domestic deposits to total assets | 85.2375% | 2,290 |
| Equity capital to assets | 12.6194% | 1,331 |
| Core capital (leverage) ratio | 12.8062% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,214,667 | 3,990 |
| Average earning assets | $96,543,000 | 3,933 |
| Average equity | $12,655,000 | 3,913 |
| Average total loans | $57,545,667 | 3,986 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,123 |
| Cost of funding earning assets | 0.7973% | 2,414 |
| Net interest margin | 3.0563% | 4,185 |
| Noninterest income to average assets | 0.1363% | 4,683 |
| Noninterest expense to average assets | 2.4578% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4771% | 3,953 |
| Return on assets (ROA) | 0.4771% | 4,007 |
| Pretax return on assets | 0.6295% | 3,869 |
| Return on Equity (ROE) | 3.7770% | 4,016 |
| Retained earnings to average equity (ytd only) | 3.7770% | 2,775 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6104% | 1,179 |
| Assets per employee ($millions) | 4.5090% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 4,229 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 3,597 |
| Noncurrent loans to loans | 0.3717% | 3,153 |
| Net loans and leases to total assets | 58.0703% | 3,666 |
| Net loans and leases to deposits | 68.5109% | 3,693 |
| Net loans and leases to core deposits | 72.2697% | 3,745 |
| Total domestic deposits to total assets | 84.7606% | 2,505 |
| Equity capital to assets | 12.7645% | 1,575 |
| Core capital (leverage) ratio | 12.7627% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,765,000 | 3,997 |
| Average earning assets | $96,325,000 | 3,919 |
| Average equity | $12,602,500 | 3,929 |
| Average total loans | $58,387,000 | 3,983 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 4,294 |
| Cost of funding earning assets | 0.7746% | 2,804 |
| Net interest margin | 3.2100% | 4,167 |
| Noninterest income to average assets | 0.1625% | 4,680 |
| Noninterest expense to average assets | 2.3895% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6647% | 3,973 |
| Return on assets (ROA) | 0.6647% | 4,046 |
| Pretax return on assets | 0.8767% | 3,805 |
| Return on Equity (ROE) | 5.4968% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,165 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1574% | 1,708 |
| Assets per employee ($millions) | 5.0167% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,128 |
| Loan loss allowance to noncurrent loans | 230.1370% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 3,585 |
| Noncurrent loans to loans | 0.3733% | 3,105 |
| Net loans and leases to total assets | 57.9690% | 3,771 |
| Net loans and leases to deposits | 68.2100% | 3,803 |
| Net loans and leases to core deposits | 71.6687% | 3,876 |
| Total domestic deposits to total assets | 84.9860% | 2,500 |
| Equity capital to assets | 12.5014% | 1,816 |
| Core capital (leverage) ratio | 13.1455% | 1,179 |
| Tier 1 risk-based capital ratio | 33.8259% | 361 |
| Total risk-based capital ratio | 35.0773% | 355 |
| Memoranda: | ||
| Average total assets | $100,941,000 | 3,989 |
| Average earning assets | $97,600,400 | 3,920 |
| Average equity | $12,207,200 | 3,971 |
| Average total loans | $58,665,000 | 4,007 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 4,418 |
| Cost of funding earning assets | 0.7634% | 2,904 |
| Net interest margin | 3.2063% | 4,286 |
| Noninterest income to average assets | 0.1688% | 4,708 |
| Noninterest expense to average assets | 2.3859% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6713% | 4,103 |
| Return on assets (ROA) | 0.6713% | 4,163 |
| Pretax return on assets | 0.8850% | 3,925 |
| Return on Equity (ROE) | 5.5979% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.5979% | 2,574 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9435% | 1,706 |
| Assets per employee ($millions) | 4.8993% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,218 |
| Loan loss allowance to noncurrent loans | 166.8874% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 3,376 |
| Noncurrent loans to loans | 0.5109% | 2,760 |
| Net loans and leases to total assets | 56.9636% | 3,968 |
| Net loans and leases to deposits | 66.5799% | 4,021 |
| Net loans and leases to core deposits | 70.2612% | 4,046 |
| Total domestic deposits to total assets | 85.5567% | 2,183 |
| Equity capital to assets | 12.0338% | 2,233 |
| Core capital (leverage) ratio | 12.1562% | 1,757 |
| Tier 1 risk-based capital ratio | 32.1777% | 423 |
| Total risk-based capital ratio | 33.4278% | 414 |
| Memoranda: | ||
| Average total assets | $101,093,000 | 4,029 |
| Average earning assets | $97,805,000 | 3,944 |
| Average equity | $12,123,250 | 4,019 |
| Average total loans | $58,664,750 | 4,055 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 4,385 |
| Cost of funding earning assets | 0.7526% | 2,879 |
| Net interest margin | 3.2428% | 4,261 |
| Noninterest income to average assets | 0.1771% | 4,683 |
| Noninterest expense to average assets | 2.4220% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6786% | 4,074 |
| Return on assets (ROA) | 0.6786% | 4,127 |
| Pretax return on assets | 0.8936% | 3,865 |
| Return on Equity (ROE) | 5.6657% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.6657% | 2,437 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0492% | 1,769 |
| Assets per employee ($millions) | 4.5560% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 4,210 |
| Loan loss allowance to noncurrent loans | 188.7640% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,498 |
| Noncurrent loans to loans | 0.4593% | 2,904 |
| Net loans and leases to total assets | 57.5006% | 3,959 |
| Net loans and leases to deposits | 67.3972% | 4,002 |
| Net loans and leases to core deposits | 71.0172% | 4,058 |
| Total domestic deposits to total assets | 85.3161% | 2,337 |
| Equity capital to assets | 12.1847% | 2,058 |
| Core capital (leverage) ratio | 12.2491% | 1,676 |
| Tier 1 risk-based capital ratio | 32.6533% | 401 |
| Total risk-based capital ratio | 33.9046% | 392 |
| Memoranda: | ||
| Average total assets | $100,495,670 | 4,063 |
| Average earning assets | $97,262,330 | 3,984 |
| Average equity | $12,037,330 | 4,041 |
| Average total loans | $58,516,000 | 4,080 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 4,545 |
| Cost of funding earning assets | 0.7424% | 2,821 |
| Net interest margin | 3.1622% | 4,476 |
| Noninterest income to average assets | 0.1193% | 5,019 |
| Noninterest expense to average assets | 2.3691% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6161% | 4,191 |
| Return on assets (ROA) | 0.6161% | 4,230 |
| Pretax return on assets | 0.8149% | 4,007 |
| Return on Equity (ROE) | 5.1885% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.1885% | 2,822 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4070% | 1,694 |
| Assets per employee ($millions) | 4.5540% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 4,314 |
| Loan loss allowance to noncurrent loans | 192.3664% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,570 |
| Noncurrent loans to loans | 0.4457% | 2,989 |
| Net loans and leases to total assets | 58.1676% | 3,870 |
| Net loans and leases to deposits | 67.9694% | 3,931 |
| Net loans and leases to core deposits | 71.6083% | 3,974 |
| Total domestic deposits to total assets | 85.5791% | 2,453 |
| Equity capital to assets | 12.0044% | 2,016 |
| Core capital (leverage) ratio | 11.9650% | 1,798 |
| Tier 1 risk-based capital ratio | 32.2043% | 409 |
| Total risk-based capital ratio | 33.4547% | 403 |
| Memoranda: | ||
| Average total assets | $100,627,500 | 4,099 |
| Average earning assets | $97,527,000 | 4,018 |
| Average equity | $11,949,500 | 4,062 |
| Average total loans | $58,705,000 | 4,118 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 4,766 |
| Cost of funding earning assets | 0.6810% | 2,206 |
| Net interest margin | 2.9471% | 4,854 |
| Noninterest income to average assets | 0.1181% | 5,087 |
| Noninterest expense to average assets | 2.2733% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5131% | 4,634 |
| Return on assets (ROA) | 0.5131% | 4,631 |
| Pretax return on assets | 0.6942% | 4,431 |
| Return on Equity (ROE) | 4.5750% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.5750% | 3,009 |
| Net charge-offs to loans | -0.0017% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6069% | 1,282 |
| Assets per employee ($millions) | 4.2111% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 4,332 |
| Loan loss allowance to noncurrent loans | 183.9416% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 3,501 |
| Noncurrent loans to loans | 0.4673% | 2,872 |
| Net loans and leases to total assets | 57.5114% | 4,007 |
| Net loans and leases to deposits | 67.0276% | 4,048 |
| Net loans and leases to core deposits | 70.5717% | 4,094 |
| Total domestic deposits to total assets | 85.8025% | 2,323 |
| Equity capital to assets | 11.7467% | 2,067 |
| Core capital (leverage) ratio | 11.6993% | 1,951 |
| Tier 1 risk-based capital ratio | 31.4132% | 415 |
| Total risk-based capital ratio | 32.6648% | 410 |
| Memoranda: | ||
| Average total assets | $103,284,600 | 4,048 |
| Average earning assets | $99,859,600 | 3,978 |
| Average equity | $11,584,600 | 4,078 |
| Average total loans | $58,441,200 | 4,133 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 4,867 |
| Cost of funding earning assets | 0.6638% | 2,075 |
| Net interest margin | 2.8904% | 4,986 |
| Noninterest income to average assets | 0.1233% | 5,123 |
| Noninterest expense to average assets | 2.2663% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4777% | 4,805 |
| Return on assets (ROA) | 0.4777% | 4,808 |
| Pretax return on assets | 0.6523% | 4,635 |
| Return on Equity (ROE) | 4.3082% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.3082% | 3,605 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6507% | 1,153 |
| Assets per employee ($millions) | 4.5962% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 4,478 |
| Loan loss allowance to noncurrent loans | 179.0036% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 3,570 |
| Noncurrent loans to loans | 0.4725% | 2,970 |
| Net loans and leases to total assets | 58.3206% | 4,003 |
| Net loans and leases to deposits | 67.8096% | 4,072 |
| Net loans and leases to core deposits | 71.3999% | 4,114 |
| Total domestic deposits to total assets | 86.0063% | 2,188 |
| Equity capital to assets | 11.5846% | 2,194 |
| Core capital (leverage) ratio | 11.2958% | 2,336 |
| Tier 1 risk-based capital ratio | 31.6372% | 409 |
| Total risk-based capital ratio | 32.8877% | 406 |
| Memoranda: | ||
| Average total assets | $103,839,000 | 4,081 |
| Average earning assets | $100,422,250 | 4,010 |
| Average equity | $11,512,750 | 4,126 |
| Average total loans | $58,394,250 | 4,175 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 4,974 |
| Cost of funding earning assets | 0.6481% | 1,934 |
| Net interest margin | 2.8059% | 5,110 |
| Noninterest income to average assets | 0.1050% | 5,256 |
| Noninterest expense to average assets | 2.2588% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4105% | 4,940 |
| Return on assets (ROA) | 0.4105% | 4,944 |
| Pretax return on assets | 0.5575% | 4,800 |
| Return on Equity (ROE) | 3.7569% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.7569% | 3,719 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2034% | 998 |
| Assets per employee ($millions) | 4.5473% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,506 |
| Loan loss allowance to noncurrent loans | 175.8741% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 3,673 |
| Noncurrent loans to loans | 0.4898% | 2,966 |
| Net loans and leases to total assets | 55.3443% | 4,212 |
| Net loans and leases to deposits | 63.8861% | 4,285 |
| Net loans and leases to core deposits | 67.1243% | 4,306 |
| Total domestic deposits to total assets | 86.6296% | 2,004 |
| Equity capital to assets | 11.0499% | 2,588 |
| Core capital (leverage) ratio | 11.1367% | 2,402 |
| Tier 1 risk-based capital ratio | 31.0923% | 441 |
| Total risk-based capital ratio | 32.3433% | 435 |
| Memoranda: | ||
| Average total assets | $104,746,330 | 4,097 |
| Average earning assets | $101,213,670 | 4,029 |
| Average equity | $11,445,670 | 4,168 |
| Average total loans | $58,034,000 | 4,214 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 5,008 |
| Cost of funding earning assets | 0.6367% | 1,800 |
| Net interest margin | 2.7721% | 5,188 |
| Noninterest income to average assets | 0.0725% | 5,422 |
| Noninterest expense to average assets | 2.2476% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3663% | 4,989 |
| Return on assets (ROA) | 0.3663% | 4,995 |
| Pretax return on assets | 0.4999% | 4,871 |
| Return on Equity (ROE) | 3.3714% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.3714% | 3,863 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8056% | 966 |
| Assets per employee ($millions) | 4.7197% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,576 |
| Loan loss allowance to noncurrent loans | 174.0484% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 3,749 |
| Noncurrent loans to loans | 0.4978% | 3,026 |
| Net loans and leases to total assets | 55.4275% | 4,166 |
| Net loans and leases to deposits | 63.9232% | 4,215 |
| Net loans and leases to core deposits | 67.1834% | 4,249 |
| Total domestic deposits to total assets | 86.7094% | 2,235 |
| Equity capital to assets | 11.0158% | 2,557 |
| Core capital (leverage) ratio | 10.9757% | 2,466 |
| Tier 1 risk-based capital ratio | 31.9310% | 406 |
| Total risk-based capital ratio | 33.1817% | 401 |
| Memoranda: | ||
| Average total assets | $104,825,000 | 4,147 |
| Average earning assets | $101,149,500 | 4,077 |
| Average equity | $11,390,000 | 4,211 |
| Average total loans | $57,857,500 | 4,254 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2382% | 5,146 |
| Cost of funding earning assets | 0.6144% | 1,511 |
| Net interest margin | 2.6237% | 5,335 |
| Noninterest income to average assets | 0.1116% | 5,365 |
| Noninterest expense to average assets | 2.1961% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2260% | 5,056 |
| Return on assets (ROA) | 0.2260% | 5,072 |
| Pretax return on assets | 0.4559% | 5,007 |
| Return on Equity (ROE) | 2.1289% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.1289% | 4,040 |
| Net charge-offs to loans | -0.0036% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8103% | 870 |
| Assets per employee ($millions) | 4.8099% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,585 |
| Loan loss allowance to noncurrent loans | 168.7919% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,762 |
| Noncurrent loans to loans | 0.5168% | 2,966 |
| Net loans and leases to total assets | 54.0150% | 4,363 |
| Net loans and leases to deposits | 62.0880% | 4,445 |
| Net loans and leases to core deposits | 65.0317% | 4,471 |
| Total domestic deposits to total assets | 86.9974% | 1,998 |
| Equity capital to assets | 10.7185% | 2,923 |
| Core capital (leverage) ratio | 10.8299% | 2,496 |
| Tier 1 risk-based capital ratio | 32.0477% | 390 |
| Total risk-based capital ratio | 33.2994% | 388 |
| Memoranda: | ||
| Average total assets | $105,735,200 | 4,142 |
| Average earning assets | $102,372,800 | 4,055 |
| Average equity | $11,226,400 | 4,269 |
| Average total loans | $56,131,400 | 4,285 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2055% | 5,221 |
| Cost of funding earning assets | 0.6062% | 1,488 |
| Net interest margin | 2.5993% | 5,407 |
| Noninterest income to average assets | 0.1135% | 5,429 |
| Noninterest expense to average assets | 2.2261% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2661% | 5,276 |
| Return on assets (ROA) | 0.2661% | 5,291 |
| Pretax return on assets | 0.4074% | 5,176 |
| Return on Equity (ROE) | 2.5124% | 5,220 |
| Retained earnings to average equity (ytd only) | 2.5124% | 4,387 |
| Net charge-offs to loans | -0.0048% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5307% | 716 |
| Assets per employee ($millions) | 4.4084% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.8228% | 4,511 |
| Net loans and leases to deposits | 60.6907% | 4,597 |
| Net loans and leases to core deposits | 63.9549% | 4,608 |
| Total domestic deposits to total assets | 87.0360% | 1,861 |
| Equity capital to assets | 10.6937% | 3,169 |
| Core capital (leverage) ratio | 10.7198% | 2,739 |
| Tier 1 risk-based capital ratio | 31.6732% | 426 |
| Total risk-based capital ratio | 32.9246% | 424 |
| Memoranda: | ||
| Average total assets | $105,714,750 | 4,183 |
| Average earning assets | $102,487,000 | 4,099 |
| Average equity | $11,197,500 | 4,314 |
| Average total loans | $55,749,250 | 4,335 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 5,270 |
| Cost of funding earning assets | 0.5968% | 1,471 |
| Net interest margin | 2.5784% | 5,453 |
| Noninterest income to average assets | 0.1098% | 5,482 |
| Noninterest expense to average assets | 2.2217% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2365% | 5,339 |
| Return on assets (ROA) | 0.2365% | 5,359 |
| Pretax return on assets | 0.3898% | 5,188 |
| Return on Equity (ROE) | 2.2404% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.2404% | 4,333 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0725% | 755 |
| Assets per employee ($millions) | 4.0120% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.6713% | 4,509 |
| Net loans and leases to deposits | 60.4057% | 4,597 |
| Net loans and leases to core deposits | 63.9061% | 4,608 |
| Total domestic deposits to total assets | 87.1960% | 1,856 |
| Equity capital to assets | 10.7640% | 3,068 |
| Core capital (leverage) ratio | 10.6108% | 2,801 |
| Tier 1 risk-based capital ratio | 32.8103% | 378 |
| Total risk-based capital ratio | 34.0639% | 368 |
| Memoranda: | ||
| Average total assets | $105,686,000 | 4,215 |
| Average earning assets | $102,544,670 | 4,122 |
| Average equity | $11,158,670 | 4,337 |
| Average total loans | $55,535,670 | 4,371 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0806% | 5,387 |
| Cost of funding earning assets | 0.5859% | 1,470 |
| Net interest margin | 2.4947% | 5,548 |
| Noninterest income to average assets | 0.0714% | 5,671 |
| Noninterest expense to average assets | 2.2336% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1579% | 5,453 |
| Return on assets (ROA) | 0.1579% | 5,463 |
| Pretax return on assets | 0.2557% | 5,367 |
| Return on Equity (ROE) | 1.5102% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.5102% | 4,496 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7281% | 571 |
| Assets per employee ($millions) | 4.2632% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,737 |
| Loan loss allowance to noncurrent loans | 270.8108% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 4,548 |
| Noncurrent loans to loans | 0.3342% | 3,907 |
| Net loans and leases to total assets | 51.4642% | 4,561 |
| Net loans and leases to deposits | 58.7605% | 4,646 |
| Net loans and leases to core deposits | 61.8056% | 4,671 |
| Total domestic deposits to total assets | 87.5829% | 1,953 |
| Equity capital to assets | 10.4570% | 3,227 |
| Core capital (leverage) ratio | 10.4108% | 3,004 |
| Tier 1 risk-based capital ratio | 32.1682% | 407 |
| Total risk-based capital ratio | 33.4209% | 400 |
| Memoranda: | ||
| Average total assets | $106,373,500 | 4,237 |
| Average earning assets | $103,097,500 | 4,153 |
| Average equity | $11,124,000 | 4,363 |
| Average total loans | $55,582,000 | 4,406 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1239% | 5,381 |
| Cost of funding earning assets | 0.6220% | 1,193 |
| Net interest margin | 2.5019% | 5,588 |
| Noninterest income to average assets | 0.1254% | 5,557 |
| Noninterest expense to average assets | 2.1585% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2498% | 5,321 |
| Return on assets (ROA) | 0.2479% | 5,393 |
| Pretax return on assets | 0.3858% | 5,245 |
| Return on Equity (ROE) | 2.3635% | 5,317 |
| Retained earnings to average equity (ytd only) | 2.3635% | 4,181 |
| Net charge-offs to loans | -0.0130% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7426% | 938 |
| Assets per employee ($millions) | 4.4237% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,795 |
| Loan loss allowance to noncurrent loans | 400.8000% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,843 |
| Noncurrent loans to loans | 0.2240% | 4,348 |
| Net loans and leases to total assets | 52.0986% | 4,598 |
| Net loans and leases to deposits | 59.5508% | 4,703 |
| Net loans and leases to core deposits | 62.5461% | 4,718 |
| Total domestic deposits to total assets | 87.4859% | 1,886 |
| Equity capital to assets | 10.4580% | 3,202 |
| Core capital (leverage) ratio | 10.2650% | 3,152 |
| Tier 1 risk-based capital ratio | 31.0166% | 441 |
| Total risk-based capital ratio | 32.2681% | 435 |
| Memoranda: | ||
| Average total assets | $104,470,200 | 4,273 |
| Average earning assets | $101,124,200 | 4,186 |
| Average equity | $10,958,400 | 4,430 |
| Average total loans | $53,998,000 | 4,459 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1066% | 5,464 |
| Cost of funding earning assets | 0.6240% | 1,177 |
| Net interest margin | 2.4826% | 5,666 |
| Noninterest income to average assets | 0.1320% | 5,594 |
| Noninterest expense to average assets | 2.1887% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2242% | 5,428 |
| Return on assets (ROA) | 0.2217% | 5,495 |
| Pretax return on assets | 0.3409% | 5,393 |
| Return on Equity (ROE) | 2.1118% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.1118% | 4,636 |
| Net charge-offs to loans | -0.0149% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3935% | 792 |
| Assets per employee ($millions) | 4.2690% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.2097% | 4,714 |
| Net loans and leases to deposits | 58.4455% | 4,854 |
| Net loans and leases to core deposits | 61.3741% | 4,865 |
| Total domestic deposits to total assets | 87.6195% | 1,601 |
| Equity capital to assets | 10.3229% | 3,781 |
| Core capital (leverage) ratio | 10.5432% | 2,944 |
| Tier 1 risk-based capital ratio | 26.2773% | 695 |
| Total risk-based capital ratio | 27.4698% | 681 |
| Memoranda: | ||
| Average total assets | $104,045,750 | 4,318 |
| Average earning assets | $100,643,750 | 4,222 |
| Average equity | $10,922,250 | 4,478 |
| Average total loans | $53,544,250 | 4,503 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0869% | 5,561 |
| Cost of funding earning assets | 0.6318% | 1,132 |
| Net interest margin | 2.4551% | 5,765 |
| Noninterest income to average assets | 0.0911% | 5,810 |
| Noninterest expense to average assets | 2.1735% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1919% | 5,539 |
| Return on assets (ROA) | 0.1919% | 5,593 |
| Pretax return on assets | 0.2908% | 5,512 |
| Return on Equity (ROE) | 1.8181% | 5,550 |
| Retained earnings to average equity (ytd only) | 1.8181% | 4,644 |
| Net charge-offs to loans | 0.0415% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.6364% | 2,113 |
| Efficiency ratio | 88.1983% | 711 |
| Assets per employee ($millions) | 4.3951% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 4,912 |
| Loan loss allowance to noncurrent loans | 209.0909% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 3,907 |
| Noncurrent loans to loans | 0.4368% | 3,802 |
| Net loans and leases to total assets | 51.8326% | 4,692 |
| Net loans and leases to deposits | 59.0205% | 4,850 |
| Net loans and leases to core deposits | 61.8322% | 4,897 |
| Total domestic deposits to total assets | 87.8214% | 1,514 |
| Equity capital to assets | 10.8234% | 3,261 |
| Core capital (leverage) ratio | 10.6703% | 2,765 |
| Tier 1 risk-based capital ratio | 28.2378% | 579 |
| Total risk-based capital ratio | 29.4842% | 569 |
| Memoranda: | ||
| Average total assets | $103,153,000 | 4,363 |
| Average earning assets | $99,712,330 | 4,277 |
| Average equity | $10,890,670 | 4,510 |
| Average total loans | $53,008,000 | 4,553 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0499% | 5,643 |
| Cost of funding earning assets | 0.6346% | 1,126 |
| Net interest margin | 2.4153% | 5,873 |
| Noninterest income to average assets | 0.0883% | 5,856 |
| Noninterest expense to average assets | 2.1423% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1804% | 5,567 |
| Return on assets (ROA) | 0.1804% | 5,623 |
| Pretax return on assets | 0.2841% | 5,537 |
| Return on Equity (ROE) | 1.7302% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.7302% | 4,577 |
| Net charge-offs to loans | 0.1131% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,378 |
| Efficiency ratio | 88.2911% | 788 |
| Assets per employee ($millions) | 4.1551% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 5,030 |
| Loan loss allowance to noncurrent loans | 357.4627% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 4,396 |
| Noncurrent loans to loans | 0.2543% | 4,522 |
| Net loans and leases to total assets | 50.2614% | 4,783 |
| Net loans and leases to deposits | 56.5325% | 4,949 |
| Net loans and leases to core deposits | 59.4126% | 4,973 |
| Total domestic deposits to total assets | 88.9071% | 1,153 |
| Equity capital to assets | 10.4826% | 3,519 |
| Core capital (leverage) ratio | 10.4095% | 3,060 |
| Tier 1 risk-based capital ratio | 27.4409% | 647 |
| Total risk-based capital ratio | 28.6477% | 634 |
| Memoranda: | ||
| Average total assets | $104,186,000 | 4,385 |
| Average earning assets | $100,856,000 | 4,275 |
| Average equity | $10,865,500 | 4,533 |
| Average total loans | $53,072,500 | 4,588 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1323% | 5,601 |
| Cost of funding earning assets | 0.7223% | 725 |
| Net interest margin | 2.4100% | 5,889 |
| Noninterest income to average assets | 0.3929% | 4,082 |
| Noninterest expense to average assets | 2.0036% | 5,450 |
| Loan and lease loss provision to assets | 0.0380% | 3,584 |
| Net operating income to assets | 0.5344% | 4,563 |
| Return on assets (ROA) | 0.5344% | 4,648 |
| Pretax return on assets | 0.6758% | 4,596 |
| Return on Equity (ROE) | 5.3777% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.3777% | 2,149 |
| Net charge-offs to loans | -0.0053% | 4,988 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7338% | 2,625 |
| Assets per employee ($millions) | 4.1798% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,994 |
| Loan loss allowance to noncurrent loans | 261.3757% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,882 |
| Noncurrent loans to loans | 0.3536% | 4,191 |
| Net loans and leases to total assets | 50.6838% | 4,808 |
| Net loans and leases to deposits | 56.9606% | 4,984 |
| Net loans and leases to core deposits | 59.8414% | 4,990 |
| Total domestic deposits to total assets | 88.9803% | 1,122 |
| Equity capital to assets | 10.3756% | 3,526 |
| Core capital (leverage) ratio | 10.2806% | 3,175 |
| Tier 1 risk-based capital ratio | 27.3928% | 634 |
| Total risk-based capital ratio | 28.6407% | 622 |
| Memoranda: | ||
| Average total assets | $105,358,800 | 4,352 |
| Average earning assets | $101,618,800 | 4,246 |
| Average equity | $10,469,200 | 4,573 |
| Average total loans | $57,085,000 | 4,458 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1386% | 5,657 |
| Cost of funding earning assets | 0.7460% | 663 |
| Net interest margin | 2.3926% | 5,981 |
| Noninterest income to average assets | 0.1541% | 5,717 |
| Noninterest expense to average assets | 2.0396% | 5,401 |
| Loan and lease loss provision to assets | 0.0505% | 3,196 |
| Net operating income to assets | 0.2501% | 5,576 |
| Return on assets (ROA) | 0.2501% | 5,654 |
| Pretax return on assets | 0.3688% | 5,530 |
| Return on Equity (ROE) | 2.5442% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.5442% | 4,606 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9481% | 1,276 |
| Assets per employee ($millions) | 4.1984% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 5,229 |
| Loan loss allowance to noncurrent loans | 269.7802% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 5,060 |
| Noncurrent loans to loans | 0.3305% | 4,426 |
| Net loans and leases to total assets | 51.9955% | 4,759 |
| Net loans and leases to deposits | 58.1879% | 4,988 |
| Net loans and leases to core deposits | 61.0097% | 5,004 |
| Total domestic deposits to total assets | 89.3580% | 835 |
| Equity capital to assets | 9.9828% | 4,171 |
| Core capital (leverage) ratio | 10.0842% | 3,523 |
| Tier 1 risk-based capital ratio | 25.4493% | 813 |
| Total risk-based capital ratio | 26.6417% | 802 |
| Memoranda: | ||
| Average total assets | $105,574,750 | 4,391 |
| Average earning assets | $101,698,500 | 4,290 |
| Average equity | $10,376,000 | 4,640 |
| Average total loans | $57,992,250 | 4,471 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 5,675 |
| Cost of funding earning assets | 0.7792% | 557 |
| Net interest margin | 2.3768% | 6,054 |
| Noninterest income to average assets | 0.1324% | 5,893 |
| Noninterest expense to average assets | 2.0250% | 5,479 |
| Loan and lease loss provision to assets | 0.0473% | 3,176 |
| Net operating income to assets | 0.2363% | 5,615 |
| Return on assets (ROA) | 0.2363% | 5,686 |
| Pretax return on assets | 0.3441% | 5,586 |
| Return on Equity (ROE) | 2.4173% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.4173% | 4,513 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8028% | 1,283 |
| Assets per employee ($millions) | 4.1145% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 5,529 |
| Loan loss allowance to noncurrent loans | 227.7512% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 4,735 |
| Noncurrent loans to loans | 0.3638% | 4,404 |
| Net loans and leases to total assets | 55.3853% | 4,399 |
| Net loans and leases to deposits | 62.2307% | 4,687 |
| Net loans and leases to core deposits | 65.5140% | 4,694 |
| Total domestic deposits to total assets | 88.9999% | 1,146 |
| Equity capital to assets | 10.1154% | 3,910 |
| Core capital (leverage) ratio | 10.0832% | 3,487 |
| Tier 1 risk-based capital ratio | 23.7998% | 977 |
| Total risk-based capital ratio | 24.8885% | 977 |
| Memoranda: | ||
| Average total assets | $105,779,330 | 4,426 |
| Average earning assets | $101,649,000 | 4,323 |
| Average equity | $10,342,000 | 4,679 |
| Average total loans | $58,967,670 | 4,488 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 5,727 |
| Cost of funding earning assets | 0.8078% | 479 |
| Net interest margin | 2.3380% | 6,138 |
| Noninterest income to average assets | 0.1492% | 5,845 |
| Noninterest expense to average assets | 2.0291% | 5,523 |
| Loan and lease loss provision to assets | 0.0373% | 3,155 |
| Net operating income to assets | 0.2275% | 5,617 |
| Return on assets (ROA) | 0.2275% | 5,705 |
| Pretax return on assets | 0.3282% | 5,576 |
| Return on Equity (ROE) | 2.3665% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.3665% | 4,506 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7352% | 1,293 |
| Assets per employee ($millions) | 4.3994% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 5,725 |
| Loan loss allowance to noncurrent loans | 253.2967% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 3,584 |
| Noncurrent loans to loans | 0.3107% | 4,678 |
| Net loans and leases to total assets | 55.0395% | 4,315 |
| Net loans and leases to deposits | 61.8313% | 4,590 |
| Net loans and leases to core deposits | 65.0328% | 4,608 |
| Total domestic deposits to total assets | 89.0156% | 1,257 |
| Equity capital to assets | 9.7939% | 4,393 |
| Core capital (leverage) ratio | 9.5291% | 4,227 |
| Tier 1 risk-based capital ratio | 23.6186% | 1,037 |
| Total risk-based capital ratio | 24.6809% | 1,030 |
| Memoranda: | ||
| Average total assets | $107,237,500 | 4,431 |
| Average earning assets | $102,996,000 | 4,326 |
| Average equity | $10,310,500 | 4,719 |
| Average total loans | $59,728,000 | 4,500 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1618% | 5,878 |
| Cost of funding earning assets | 0.9439% | 300 |
| Net interest margin | 2.2178% | 6,305 |
| Noninterest income to average assets | 0.1253% | 6,067 |
| Noninterest expense to average assets | 2.0586% | 5,661 |
| Loan and lease loss provision to assets | 0.0359% | 3,870 |
| Net operating income to assets | 0.1106% | 5,939 |
| Return on assets (ROA) | 0.1106% | 5,975 |
| Pretax return on assets | 0.1613% | 5,928 |
| Return on Equity (ROE) | 1.1753% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.1753% | 5,249 |
| Net charge-offs to loans | 0.1064% | 2,990 |
| Credit loss provision to net charge-offs | 59.0909% | 3,303 |
| Earnings coverage of net charge-offs (x) | 3.2424% | 3,939 |
| Efficiency ratio | 91.2582% | 761 |
| Assets per employee ($millions) | 4.3556% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 5,907 |
| Loan loss allowance to noncurrent loans | 186.3636% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 3,798 |
| Noncurrent loans to loans | 0.3975% | 4,453 |
| Net loans and leases to total assets | 55.4969% | 4,390 |
| Net loans and leases to deposits | 62.1510% | 4,712 |
| Net loans and leases to core deposits | 65.2528% | 4,724 |
| Total domestic deposits to total assets | 89.2937% | 1,075 |
| Equity capital to assets | 9.4408% | 4,790 |
| Core capital (leverage) ratio | 9.4034% | 4,379 |
| Tier 1 risk-based capital ratio | 21.7738% | 1,257 |
| Total risk-based capital ratio | 22.7333% | 1,285 |
| Memoranda: | ||
| Average total assets | $108,521,000 | 4,407 |
| Average earning assets | $104,245,400 | 4,307 |
| Average equity | $10,210,000 | 4,707 |
| Average total loans | $62,045,600 | 4,425 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1607% | 5,945 |
| Cost of funding earning assets | 0.9623% | 289 |
| Net interest margin | 2.1984% | 6,392 |
| Noninterest income to average assets | 0.1267% | 6,134 |
| Noninterest expense to average assets | 2.0683% | 5,643 |
| Loan and lease loss provision to assets | 0.0455% | 3,481 |
| Net operating income to assets | 0.0885% | 6,045 |
| Return on assets (ROA) | 0.0885% | 6,067 |
| Pretax return on assets | 0.1254% | 6,034 |
| Return on Equity (ROE) | 0.9419% | 6,037 |
| Retained earnings to average equity (ytd only) | 0.9419% | 5,505 |
| Net charge-offs to loans | 0.1476% | 2,313 |
| Credit loss provision to net charge-offs | 53.6232% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.0145% | 4,016 |
| Efficiency ratio | 92.3668% | 683 |
| Assets per employee ($millions) | 4.3669% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 6,023 |
| Loan loss allowance to noncurrent loans | 187.3950% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 3,839 |
| Noncurrent loans to loans | 0.3930% | 4,732 |
| Net loans and leases to total assets | 55.0640% | 4,452 |
| Net loans and leases to deposits | 61.6387% | 4,777 |
| Net loans and leases to core deposits | 64.7017% | 4,830 |
| Total domestic deposits to total assets | 89.3334% | 1,058 |
| Equity capital to assets | 9.3723% | 4,951 |
| Core capital (leverage) ratio | 9.3125% | 4,625 |
| Tier 1 risk-based capital ratio | 21.6138% | 1,321 |
| Total risk-based capital ratio | 22.5626% | 1,363 |
| Memoranda: | ||
| Average total assets | $108,429,000 | 4,454 |
| Average earning assets | $104,192,500 | 4,345 |
| Average equity | $10,192,500 | 4,745 |
| Average total loans | $62,336,750 | 4,450 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 5,979 |
| Cost of funding earning assets | 0.9703% | 293 |
| Net interest margin | 2.2057% | 6,446 |
| Noninterest income to average assets | 0.0998% | 6,286 |
| Noninterest expense to average assets | 2.0373% | 5,755 |
| Loan and lease loss provision to assets | 0.0555% | 3,185 |
| Net operating income to assets | 0.0924% | 6,059 |
| Return on assets (ROA) | 0.0924% | 6,089 |
| Pretax return on assets | 0.1294% | 6,058 |
| Return on Equity (ROE) | 0.9824% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.9824% | 5,365 |
| Net charge-offs to loans | 0.2384% | 1,617 |
| Credit loss provision to net charge-offs | 40.0000% | 2,925 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,841 |
| Efficiency ratio | 91.6805% | 785 |
| Assets per employee ($millions) | 3.9689% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6964% | 6,180 |
| Loan loss allowance to noncurrent loans | 3,330.7692% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 3,225 |
| Noncurrent loans to loans | 0.0209% | 6,006 |
| Net loans and leases to total assets | 57.6209% | 4,034 |
| Net loans and leases to deposits | 64.7579% | 4,411 |
| Net loans and leases to core deposits | 68.0487% | 4,460 |
| Total domestic deposits to total assets | 88.9790% | 1,367 |
| Equity capital to assets | 9.5279% | 4,715 |
| Core capital (leverage) ratio | 9.4400% | 4,414 |
| Tier 1 risk-based capital ratio | 21.3856% | 1,368 |
| Total risk-based capital ratio | 22.3019% | 1,411 |
| Memoranda: | ||
| Average total assets | $108,181,000 | 4,485 |
| Average earning assets | $104,095,000 | 4,362 |
| Average equity | $10,179,330 | 4,764 |
| Average total loans | $62,928,670 | 4,457 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1072% | 6,109 |
| Cost of funding earning assets | 0.9708% | 308 |
| Net interest margin | 2.1364% | 6,552 |
| Noninterest income to average assets | 0.0368% | 6,519 |
| Noninterest expense to average assets | 2.0020% | 5,883 |
| Loan and lease loss provision to assets | 0.0552% | 3,009 |
| Net operating income to assets | 0.0294% | 6,167 |
| Return on assets (ROA) | 0.0294% | 6,185 |
| Pretax return on assets | 0.0368% | 6,170 |
| Return on Equity (ROE) | 0.3148% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.3148% | 5,445 |
| Net charge-offs to loans | 0.4865% | 753 |
| Credit loss provision to net charge-offs | 19.4805% | 2,509 |
| Earnings coverage of net charge-offs (x) | 0.3247% | 3,374 |
| Efficiency ratio | 95.6063% | 664 |
| Assets per employee ($millions) | 4.3563% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 6,322 |
| Loan loss allowance to noncurrent loans | 72.6003% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2065% | 2,847 |
| Noncurrent loans to loans | 0.9153% | 3,596 |
| Net loans and leases to total assets | 57.1014% | 3,983 |
| Net loans and leases to deposits | 64.0869% | 4,304 |
| Net loans and leases to core deposits | 67.6523% | 4,347 |
| Total domestic deposits to total assets | 89.1000% | 1,590 |
| Equity capital to assets | 9.3363% | 4,717 |
| Core capital (leverage) ratio | 9.2497% | 4,650 |
| Tier 1 risk-based capital ratio | 20.9018% | 1,488 |
| Total risk-based capital ratio | 21.7658% | 1,550 |
| Memoranda: | ||
| Average total assets | $108,692,000 | 4,516 |
| Average earning assets | $104,660,500 | 4,394 |
| Average equity | $10,164,000 | 4,786 |
| Average total loans | $63,303,500 | 4,482 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 5,847 |
| Cost of funding earning assets | 1.0671% | 330 |
| Net interest margin | 2.3265% | 6,501 |
| Noninterest income to average assets | 0.1395% | 6,243 |
| Noninterest expense to average assets | 2.1416% | 5,745 |
| Loan and lease loss provision to assets | 0.0562% | 4,026 |
| Net operating income to assets | 0.1236% | 5,991 |
| Return on assets (ROA) | 0.1236% | 6,054 |
| Pretax return on assets | 0.1741% | 5,985 |
| Return on Equity (ROE) | 1.3084% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.3084% | 5,242 |
| Net charge-offs to loans | 0.0650% | 4,299 |
| Credit loss provision to net charge-offs | 139.5349% | 1,670 |
| Earnings coverage of net charge-offs (x) | 5.7209% | 3,232 |
| Efficiency ratio | 90.2920% | 1,001 |
| Assets per employee ($millions) | 4.3390% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 6,272 |
| Loan loss allowance to noncurrent loans | 69.3759% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 2,766 |
| Noncurrent loans to loans | 1.0765% | 3,373 |
| Net loans and leases to total assets | 58.5613% | 3,943 |
| Net loans and leases to deposits | 65.8229% | 4,315 |
| Net loans and leases to core deposits | 69.5014% | 4,341 |
| Total domestic deposits to total assets | 88.9681% | 1,651 |
| Equity capital to assets | 9.3661% | 4,592 |
| Core capital (leverage) ratio | 9.1752% | 4,755 |
| Tier 1 risk-based capital ratio | 20.3038% | 1,585 |
| Total risk-based capital ratio | 21.2809% | 1,619 |
| Memoranda: | ||
| Average total assets | $106,834,400 | 4,570 |
| Average earning assets | $102,516,600 | 4,452 |
| Average equity | $10,088,600 | 4,825 |
| Average total loans | $66,146,200 | 4,407 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 5,788 |
| Cost of funding earning assets | 1.0844% | 338 |
| Net interest margin | 2.3622% | 6,544 |
| Noninterest income to average assets | 0.1102% | 6,452 |
| Noninterest expense to average assets | 2.1787% | 5,655 |
| Loan and lease loss provision to assets | 0.0564% | 3,929 |
| Net operating income to assets | 0.1027% | 6,134 |
| Return on assets (ROA) | 0.1027% | 6,196 |
| Pretax return on assets | 0.1403% | 6,156 |
| Return on Equity (ROE) | 1.0856% | 6,164 |
| Retained earnings to average equity (ytd only) | 1.0856% | 5,543 |
| Net charge-offs to loans | 0.1160% | 3,387 |
| Credit loss provision to net charge-offs | 77.5862% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.7070% | 3,933 |
| Efficiency ratio | 91.7194% | 872 |
| Assets per employee ($millions) | 4.3148% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7001% | 6,440 |
| Loan loss allowance to noncurrent loans | 68.0851% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 3,046 |
| Noncurrent loans to loans | 1.0283% | 3,743 |
| Net loans and leases to total assets | 58.9065% | 3,870 |
| Net loans and leases to deposits | 66.2065% | 4,276 |
| Net loans and leases to core deposits | 70.1172% | 4,309 |
| Total domestic deposits to total assets | 88.9739% | 1,566 |
| Equity capital to assets | 9.3732% | 4,712 |
| Core capital (leverage) ratio | 9.1906% | 4,847 |
| Tier 1 risk-based capital ratio | 20.3769% | 1,634 |
| Total risk-based capital ratio | 21.2996% | 1,698 |
| Memoranda: | ||
| Average total assets | $106,424,000 | 4,629 |
| Average earning assets | $102,048,750 | 4,499 |
| Average equity | $10,070,750 | 4,881 |
| Average total loans | $66,682,000 | 4,421 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 5,743 |
| Cost of funding earning assets | 1.1041% | 331 |
| Net interest margin | 2.3698% | 6,578 |
| Noninterest income to average assets | 0.1265% | 6,423 |
| Noninterest expense to average assets | 2.1767% | 5,688 |
| Loan and lease loss provision to assets | 0.0566% | 3,871 |
| Net operating income to assets | 0.1189% | 6,088 |
| Return on assets (ROA) | 0.1189% | 6,184 |
| Pretax return on assets | 0.1624% | 6,142 |
| Return on Equity (ROE) | 1.2528% | 6,154 |
| Retained earnings to average equity (ytd only) | 1.2528% | 5,396 |
| Net charge-offs to loans | 0.2545% | 2,196 |
| Credit loss provision to net charge-offs | 34.8837% | 3,503 |
| Earnings coverage of net charge-offs (x) | 1.3488% | 4,093 |
| Efficiency ratio | 90.8589% | 991 |
| Assets per employee ($millions) | 4.1638% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 6,610 |
| Loan loss allowance to noncurrent loans | 41.7096% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 2,349 |
| Noncurrent loans to loans | 1.4527% | 3,124 |
| Net loans and leases to total assets | 63.8221% | 2,943 |
| Net loans and leases to deposits | 72.0288% | 3,442 |
| Net loans and leases to core deposits | 76.2429% | 3,518 |
| Total domestic deposits to total assets | 88.6065% | 1,845 |
| Equity capital to assets | 9.6941% | 4,324 |
| Core capital (leverage) ratio | 9.5057% | 4,237 |
| Tier 1 risk-based capital ratio | 20.1358% | 1,692 |
| Total risk-based capital ratio | 20.9617% | 1,769 |
| Memoranda: | ||
| Average total assets | $105,941,670 | 4,671 |
| Average earning assets | $101,444,000 | 4,534 |
| Average equity | $10,057,330 | 4,923 |
| Average total loans | $67,579,000 | 4,396 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 5,799 |
| Cost of funding earning assets | 1.1093% | 361 |
| Net interest margin | 2.3552% | 6,639 |
| Noninterest income to average assets | 0.1198% | 6,503 |
| Noninterest expense to average assets | 2.1897% | 5,718 |
| Loan and lease loss provision to assets | 0.0561% | 3,703 |
| Net operating income to assets | 0.0973% | 6,154 |
| Return on assets (ROA) | 0.0973% | 6,248 |
| Pretax return on assets | 0.1310% | 6,208 |
| Return on Equity (ROE) | 1.0358% | 6,214 |
| Retained earnings to average equity (ytd only) | 1.0358% | 5,436 |
| Net charge-offs to loans | 0.4297% | 1,382 |
| Credit loss provision to net charge-offs | 20.5479% | 3,027 |
| Earnings coverage of net charge-offs (x) | 0.6849% | 3,599 |
| Efficiency ratio | 92.1260% | 967 |
| Assets per employee ($millions) | 4.1119% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5996% | 6,708 |
| Loan loss allowance to noncurrent loans | 40.3808% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8988% | 2,477 |
| Noncurrent loans to loans | 1.4849% | 3,328 |
| Net loans and leases to total assets | 62.4871% | 2,968 |
| Net loans and leases to deposits | 70.2191% | 3,442 |
| Net loans and leases to core deposits | 74.1899% | 3,556 |
| Total domestic deposits to total assets | 88.9889% | 1,693 |
| Equity capital to assets | 9.4032% | 4,996 |
| Core capital (leverage) ratio | 9.2200% | 4,533 |
| Tier 1 risk-based capital ratio | 19.6760% | 1,857 |
| Total risk-based capital ratio | 20.4820% | 1,945 |
| Memoranda: | ||
| Average total assets | $106,865,500 | 4,686 |
| Average earning assets | $102,411,000 | 4,555 |
| Average equity | $10,040,500 | 4,976 |
| Average total loans | $67,948,500 | 4,423 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 6,134 |
| Cost of funding earning assets | 1.3776% | 272 |
| Net interest margin | 2.2706% | 6,852 |
| Noninterest income to average assets | 0.1178% | 6,447 |
| Noninterest expense to average assets | 2.0544% | 6,227 |
| Loan and lease loss provision to assets | 0.0561% | 5,085 |
| Net operating income to assets | 0.1506% | 5,892 |
| Return on assets (ROA) | 0.1506% | 6,052 |
| Pretax return on assets | 0.1898% | 6,005 |
| Return on Equity (ROE) | 1.6198% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.6198% | 5,057 |
| Net charge-offs to loans | 0.2480% | 3,454 |
| Credit loss provision to net charge-offs | 34.4828% | 5,031 |
| Earnings coverage of net charge-offs (x) | 1.5115% | 4,687 |
| Efficiency ratio | 89.3089% | 1,122 |
| Assets per employee ($millions) | 4.1085% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 6,669 |
| Loan loss allowance to noncurrent loans | 50.4376% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.6607% | 2,907 |
| Noncurrent loans to loans | 1.3306% | 3,616 |
| Net loans and leases to total assets | 63.8713% | 2,914 |
| Net loans and leases to deposits | 71.7797% | 3,449 |
| Net loans and leases to core deposits | 75.8384% | 3,551 |
| Total domestic deposits to total assets | 88.9825% | 1,574 |
| Equity capital to assets | 9.3877% | 5,017 |
| Core capital (leverage) ratio | 9.2033% | 4,577 |
| Tier 1 risk-based capital ratio | 19.4701% | 1,823 |
| Total risk-based capital ratio | 20.3850% | 1,895 |
| Memoranda: | ||
| Average total assets | $106,938,600 | 4,655 |
| Average earning assets | $102,790,600 | 4,523 |
| Average equity | $9,939,200 | 4,992 |
| Average total loans | $70,164,200 | 4,357 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 6,303 |
| Cost of funding earning assets | 1.4411% | 257 |
| Net interest margin | 2.2160% | 6,983 |
| Noninterest income to average assets | 0.1271% | 6,499 |
| Noninterest expense to average assets | 2.0442% | 6,283 |
| Loan and lease loss provision to assets | 0.0561% | 5,034 |
| Net operating income to assets | 0.1334% | 6,061 |
| Return on assets (ROA) | 0.1334% | 6,210 |
| Pretax return on assets | 0.1583% | 6,186 |
| Return on Equity (ROE) | 1.4385% | 6,167 |
| Retained earnings to average equity (ytd only) | 1.4385% | 5,608 |
| Net charge-offs to loans | 0.3289% | 2,815 |
| Credit loss provision to net charge-offs | 25.8621% | 4,863 |
| Earnings coverage of net charge-offs (x) | 0.9885% | 4,830 |
| Efficiency ratio | 90.5077% | 1,003 |
| Assets per employee ($millions) | 4.1000% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 6,816 |
| Loan loss allowance to noncurrent loans | 63.6234% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4906% | 3,359 |
| Noncurrent loans to loans | 1.0085% | 4,439 |
| Net loans and leases to total assets | 64.7895% | 2,881 |
| Net loans and leases to deposits | 72.8035% | 3,475 |
| Net loans and leases to core deposits | 77.2902% | 3,572 |
| Total domestic deposits to total assets | 88.9924% | 1,430 |
| Equity capital to assets | 9.3566% | 5,397 |
| Core capital (leverage) ratio | 9.1513% | 4,830 |
| Tier 1 risk-based capital ratio | 19.1693% | 1,956 |
| Total risk-based capital ratio | 20.0477% | 2,040 |
| Memoranda: | ||
| Average total assets | $106,968,000 | 4,708 |
| Average earning assets | $102,885,250 | 4,577 |
| Average equity | $9,917,000 | 5,044 |
| Average total loans | $70,533,000 | 4,381 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 6,417 |
| Cost of funding earning assets | 1.4631% | 276 |
| Net interest margin | 2.1850% | 7,048 |
| Noninterest income to average assets | 0.1718% | 6,322 |
| Noninterest expense to average assets | 2.0394% | 6,351 |
| Loan and lease loss provision to assets | 0.0560% | 4,958 |
| Net operating income to assets | 0.1494% | 6,043 |
| Return on assets (ROA) | 0.1494% | 6,213 |
| Pretax return on assets | 0.1793% | 6,178 |
| Return on Equity (ROE) | 1.6165% | 6,162 |
| Retained earnings to average equity (ytd only) | 1.6165% | 5,398 |
| Net charge-offs to loans | 0.3556% | 2,597 |
| Credit loss provision to net charge-offs | 23.8095% | 4,548 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,525 |
| Efficiency ratio | 89.6552% | 1,095 |
| Assets per employee ($millions) | 3.9275% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 6,850 |
| Loan loss allowance to noncurrent loans | 81.3243% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3928% | 3,638 |
| Noncurrent loans to loans | 0.8355% | 4,842 |
| Net loans and leases to total assets | 66.0304% | 2,664 |
| Net loans and leases to deposits | 74.2107% | 3,257 |
| Net loans and leases to core deposits | 78.8043% | 3,393 |
| Total domestic deposits to total assets | 88.9770% | 1,517 |
| Equity capital to assets | 9.3802% | 5,218 |
| Core capital (leverage) ratio | 9.1739% | 4,648 |
| Tier 1 risk-based capital ratio | 18.9035% | 1,990 |
| Total risk-based capital ratio | 19.8364% | 2,066 |
| Memoranda: | ||
| Average total assets | $107,091,000 | 4,739 |
| Average earning assets | $103,065,670 | 4,598 |
| Average equity | $9,898,000 | 5,055 |
| Average total loans | $70,873,670 | 4,392 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 6,548 |
| Cost of funding earning assets | 1.4866% | 307 |
| Net interest margin | 2.1375% | 7,116 |
| Noninterest income to average assets | 0.1598% | 6,428 |
| Noninterest expense to average assets | 2.1038% | 6,264 |
| Loan and lease loss provision to assets | 0.0558% | 4,706 |
| Net operating income to assets | 0.0483% | 6,331 |
| Return on assets (ROA) | 0.0483% | 6,450 |
| Pretax return on assets | 0.0632% | 6,436 |
| Return on Equity (ROE) | 0.5267% | 6,433 |
| Retained earnings to average equity (ytd only) | 0.5267% | 5,830 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6488% | 790 |
| Assets per employee ($millions) | 4.0279% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 6,684 |
| Loan loss allowance to noncurrent loans | 43.7361% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 1.5917% | 3,463 |
| Noncurrent loans to loans | 1.9020% | 3,277 |
| Net loans and leases to total assets | 64.6738% | 2,722 |
| Net loans and leases to deposits | 72.3929% | 3,368 |
| Net loans and leases to core deposits | 76.7311% | 3,520 |
| Total domestic deposits to total assets | 89.3372% | 1,461 |
| Equity capital to assets | 9.0849% | 5,380 |
| Core capital (leverage) ratio | 8.8831% | 5,014 |
| Tier 1 risk-based capital ratio | 18.0933% | 2,251 |
| Total risk-based capital ratio | 19.2007% | 2,285 |
| Memoranda: | ||
| Average total assets | $107,615,500 | 4,758 |
| Average earning assets | $103,860,000 | 4,602 |
| Average equity | $9,873,500 | 5,071 |
| Average total loans | $71,061,000 | 4,416 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 6,502 |
| Cost of funding earning assets | 1.6604% | 376 |
| Net interest margin | 2.3147% | 7,142 |
| Noninterest income to average assets | 0.1650% | 6,312 |
| Noninterest expense to average assets | 2.3161% | 6,002 |
| Loan and lease loss provision to assets | 0.0572% | 5,882 |
| Net operating income to assets | 0.0140% | 6,009 |
| Return on assets (ROA) | 0.0305% | 6,104 |
| Pretax return on assets | 0.0505% | 6,048 |
| Return on Equity (ROE) | 0.3254% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.3254% | 5,682 |
| Net charge-offs to loans | -0.0575% | 7,073 |
| Credit loss provision to net charge-offs | -146.3415% | 6,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5805% | 795 |
| Assets per employee ($millions) | 3.9437% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 6,720 |
| Loan loss allowance to noncurrent loans | 50.3062% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.4482% | 3,813 |
| Noncurrent loans to loans | 1.6054% | 3,754 |
| Net loans and leases to total assets | 66.3258% | 2,725 |
| Net loans and leases to deposits | 74.4254% | 3,431 |
| Net loans and leases to core deposits | 79.2164% | 3,546 |
| Total domestic deposits to total assets | 89.1171% | 1,470 |
| Equity capital to assets | 9.2666% | 5,191 |
| Core capital (leverage) ratio | 9.2666% | 4,378 |
| Tier 1 risk-based capital ratio | 19.1760% | 1,849 |
| Total risk-based capital ratio | 20.2449% | 1,853 |
| Memoranda: | ||
| Average total assets | $104,874,800 | 4,760 |
| Average earning assets | $101,181,600 | 4,605 |
| Average equity | $9,835,400 | 5,059 |
| Average total loans | $71,256,400 | 4,438 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 6,538 |
| Cost of funding earning assets | 1.6947% | 402 |
| Net interest margin | 2.3372% | 7,203 |
| Noninterest income to average assets | 0.1659% | 6,403 |
| Noninterest expense to average assets | 2.3801% | 5,818 |
| Loan and lease loss provision to assets | 0.0574% | 5,724 |
| Net operating income to assets | -0.0306% | 6,194 |
| Return on assets (ROA) | -0.0179% | 6,283 |
| Pretax return on assets | -0.0026% | 6,234 |
| Return on Equity (ROE) | -0.1900% | 6,286 |
| Retained earnings to average equity (ytd only) | -0.1900% | 6,006 |
| Net charge-offs to loans | -0.0767% | 7,125 |
| Credit loss provision to net charge-offs | -109.7561% | 6,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2613% | 728 |
| Assets per employee ($millions) | 3.8334% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 6,836 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 4,298 |
| Noncurrent loans to loans | 1.2625% | 4,425 |
| Net loans and leases to total assets | 68.0289% | 2,489 |
| Net loans and leases to deposits | 76.5506% | 3,240 |
| Net loans and leases to core deposits | 81.6598% | 3,382 |
| Total domestic deposits to total assets | 88.8680% | 1,506 |
| Equity capital to assets | 9.4886% | 5,110 |
| Core capital (leverage) ratio | 9.4886% | 4,167 |
| Tier 1 risk-based capital ratio | 19.3102% | 1,853 |
| Total risk-based capital ratio | 20.3622% | 1,872 |
| Memoranda: | ||
| Average total assets | $104,473,750 | 4,802 |
| Average earning assets | $100,858,500 | 4,647 |
| Average equity | $9,827,500 | 5,089 |
| Average total loans | $71,271,000 | 4,481 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 6,534 |
| Cost of funding earning assets | 1.7312% | 418 |
| Net interest margin | 2.3458% | 7,262 |
| Noninterest income to average assets | 0.1527% | 6,559 |
| Noninterest expense to average assets | 2.3741% | 5,923 |
| Loan and lease loss provision to assets | 0.0573% | 5,601 |
| Net operating income to assets | -0.0210% | 6,258 |
| Return on assets (ROA) | -0.0095% | 6,310 |
| Pretax return on assets | -0.0019% | 6,270 |
| Return on Equity (ROE) | -0.1017% | 6,313 |
| Retained earnings to average equity (ytd only) | -0.1017% | 5,857 |
| Net charge-offs to loans | -0.1149% | 7,200 |
| Credit loss provision to net charge-offs | -73.1707% | 6,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1847% | 784 |
| Assets per employee ($millions) | 3.6949% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 6,704 |
| Loan loss allowance to noncurrent loans | 60.5010% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3291% | 4,240 |
| Noncurrent loans to loans | 1.4584% | 4,238 |
| Net loans and leases to total assets | 68.1894% | 2,582 |
| Net loans and leases to deposits | 76.7271% | 3,337 |
| Net loans and leases to core deposits | 82.0875% | 3,490 |
| Total domestic deposits to total assets | 88.8726% | 1,613 |
| Equity capital to assets | 9.5016% | 4,810 |
| Core capital (leverage) ratio | 9.5016% | 3,958 |
| Tier 1 risk-based capital ratio | 19.8514% | 1,642 |
| Total risk-based capital ratio | 21.0509% | 1,623 |
| Memoranda: | ||
| Average total assets | $104,797,330 | 4,839 |
| Average earning assets | $101,202,670 | 4,675 |
| Average equity | $9,829,670 | 5,092 |
| Average total loans | $71,370,670 | 4,522 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 6,591 |
| Cost of funding earning assets | 1.7827% | 402 |
| Net interest margin | 2.2735% | 7,323 |
| Noninterest income to average assets | 0.1517% | 6,637 |
| Noninterest expense to average assets | 2.3438% | 6,070 |
| Loan and lease loss provision to assets | 0.0569% | 5,286 |
| Net operating income to assets | -0.0531% | 6,416 |
| Return on assets (ROA) | -0.0417% | 6,422 |
| Pretax return on assets | -0.0417% | 6,396 |
| Return on Equity (ROE) | -0.4476% | 6,428 |
| Retained earnings to average equity (ytd only) | -0.4476% | 5,875 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8384% | 754 |
| Assets per employee ($millions) | 3.7539% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 6,919 |
| Loan loss allowance to noncurrent loans | 38.9911% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 3,800 |
| Noncurrent loans to loans | 2.0537% | 3,502 |
| Net loans and leases to total assets | 67.4141% | 2,673 |
| Net loans and leases to deposits | 75.7130% | 3,465 |
| Net loans and leases to core deposits | 80.4512% | 3,677 |
| Total domestic deposits to total assets | 89.0391% | 1,746 |
| Equity capital to assets | 9.3464% | 4,655 |
| Core capital (leverage) ratio | 9.3464% | 4,058 |
| Tier 1 risk-based capital ratio | 19.1024% | 1,776 |
| Total risk-based capital ratio | 20.1661% | 1,783 |
| Memoranda: | ||
| Average total assets | $105,468,000 | 4,852 |
| Average earning assets | $101,870,500 | 4,693 |
| Average equity | $9,829,500 | 5,087 |
| Average total loans | $71,469,000 | 4,559 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 6,479 |
| Cost of funding earning assets | 2.0658% | 481 |
| Net interest margin | 2.4010% | 7,317 |
| Noninterest income to average assets | 0.1533% | 6,623 |
| Noninterest expense to average assets | 2.3367% | 6,250 |
| Loan and lease loss provision to assets | 0.0469% | 6,696 |
| Net operating income to assets | 0.0537% | 5,688 |
| Return on assets (ROA) | 0.0840% | 5,763 |
| Pretax return on assets | 0.1221% | 5,660 |
| Return on Equity (ROE) | 0.8789% | 5,730 |
| Retained earnings to average equity (ytd only) | 0.8789% | 5,109 |
| Net charge-offs to loans | 0.0558% | 6,232 |
| Credit loss provision to net charge-offs | 117.0732% | 3,656 |
| Earnings coverage of net charge-offs (x) | 3.1220% | 3,515 |
| Efficiency ratio | 94.9226% | 1,014 |
| Assets per employee ($millions) | 3.7795% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 7,017 |
| Loan loss allowance to noncurrent loans | 45.7683% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 4,266 |
| Noncurrent loans to loans | 1.7019% | 3,955 |
| Net loans and leases to total assets | 67.0440% | 3,211 |
| Net loans and leases to deposits | 75.2570% | 3,967 |
| Net loans and leases to core deposits | 79.2277% | 4,316 |
| Total domestic deposits to total assets | 89.0868% | 1,602 |
| Equity capital to assets | 9.2936% | 4,697 |
| Core capital (leverage) ratio | 9.2936% | 4,018 |
| Tier 1 risk-based capital ratio | 19.2045% | 1,672 |
| Total risk-based capital ratio | 20.2433% | 1,689 |
| Memoranda: | ||
| Average total assets | $102,410,200 | 4,918 |
| Average earning assets | $98,460,000 | 4,756 |
| Average equity | $9,784,600 | 5,189 |
| Average total loans | $73,455,200 | 4,549 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 6,428 |
| Cost of funding earning assets | 2.1166% | 509 |
| Net interest margin | 2.4489% | 7,404 |
| Noninterest income to average assets | 0.1602% | 6,718 |
| Noninterest expense to average assets | 2.3907% | 6,061 |
| Loan and lease loss provision to assets | 0.0473% | 6,612 |
| Net operating income to assets | 0.0568% | 5,872 |
| Return on assets (ROA) | 0.0578% | 6,004 |
| Pretax return on assets | 0.0748% | 5,961 |
| Return on Equity (ROE) | 0.6004% | 5,990 |
| Retained earnings to average equity (ytd only) | 0.6004% | 5,561 |
| Net charge-offs to loans | 0.0739% | 5,783 |
| Credit loss provision to net charge-offs | 87.8049% | 4,860 |
| Earnings coverage of net charge-offs (x) | 2.2436% | 4,049 |
| Efficiency ratio | 95.1908% | 939 |
| Assets per employee ($millions) | 3.7919% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 7,095 |
| Loan loss allowance to noncurrent loans | 48.5307% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 4,558 |
| Noncurrent loans to loans | 1.5592% | 4,302 |
| Net loans and leases to total assets | 67.3247% | 3,371 |
| Net loans and leases to deposits | 75.5411% | 4,257 |
| Net loans and leases to core deposits | 81.1332% | 4,366 |
| Total domestic deposits to total assets | 89.1233% | 1,329 |
| Equity capital to assets | 9.2247% | 5,270 |
| Core capital (leverage) ratio | 9.2247% | 4,329 |
| Tier 1 risk-based capital ratio | 18.9468% | 1,764 |
| Total risk-based capital ratio | 19.9528% | 1,794 |
| Memoranda: | ||
| Average total assets | $101,556,250 | 4,999 |
| Average earning assets | $97,510,500 | 4,851 |
| Average equity | $9,772,000 | 5,262 |
| Average total loans | $73,942,250 | 4,603 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 6,017 |
| Cost of funding earning assets | 2.1623% | 523 |
| Net interest margin | 2.5752% | 7,371 |
| Noninterest income to average assets | 0.1480% | 6,839 |
| Noninterest expense to average assets | 2.3716% | 6,144 |
| Loan and lease loss provision to assets | 0.0480% | 6,485 |
| Net operating income to assets | 0.1175% | 5,812 |
| Return on assets (ROA) | 0.1060% | 5,964 |
| Pretax return on assets | 0.1800% | 5,817 |
| Return on Equity (ROE) | 1.0855% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.0855% | 5,331 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6035% | 1,288 |
| Assets per employee ($millions) | 3.6626% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 7,066 |
| Loan loss allowance to noncurrent loans | 97.6190% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8825% | 5,356 |
| Noncurrent loans to loans | 0.8035% | 5,667 |
| Net loans and leases to total assets | 70.7939% | 2,716 |
| Net loans and leases to deposits | 79.6957% | 3,654 |
| Net loans and leases to core deposits | 85.5802% | 3,893 |
| Total domestic deposits to total assets | 88.8303% | 1,533 |
| Equity capital to assets | 9.5589% | 4,619 |
| Core capital (leverage) ratio | 9.5589% | 3,732 |
| Tier 1 risk-based capital ratio | 18.9014% | 1,745 |
| Total risk-based capital ratio | 19.9599% | 1,759 |
| Memoranda: | ||
| Average total assets | $100,017,670 | 5,074 |
| Average earning assets | $95,916,330 | 4,928 |
| Average equity | $9,764,670 | 5,266 |
| Average total loans | $74,581,330 | 4,621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 5,644 |
| Cost of funding earning assets | 2.2022% | 586 |
| Net interest margin | 2.6579% | 7,337 |
| Noninterest income to average assets | 0.1458% | 6,932 |
| Noninterest expense to average assets | 2.4344% | 5,972 |
| Loan and lease loss provision to assets | 0.0486% | 6,177 |
| Net operating income to assets | 0.1443% | 5,878 |
| Return on assets (ROA) | 0.1742% | 5,901 |
| Pretax return on assets | 0.2592% | 5,722 |
| Return on Equity (ROE) | 1.7649% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.7649% | 5,059 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2402% | 1,414 |
| Assets per employee ($millions) | 3.5616% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 7,238 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 6,096 |
| Noncurrent loans to loans | 0.7520% | 5,820 |
| Net loans and leases to total assets | 74.3733% | 1,896 |
| Net loans and leases to deposits | 83.9784% | 2,948 |
| Net loans and leases to core deposits | 89.2923% | 3,458 |
| Total domestic deposits to total assets | 88.5624% | 1,755 |
| Equity capital to assets | 9.7940% | 4,117 |
| Core capital (leverage) ratio | 9.8175% | 3,381 |
| Tier 1 risk-based capital ratio | 19.0967% | 1,697 |
| Total risk-based capital ratio | 20.1439% | 1,704 |
| Memoranda: | ||
| Average total assets | $98,749,500 | 5,186 |
| Average earning assets | $94,813,000 | 5,019 |
| Average equity | $9,745,500 | 5,313 |
| Average total loans | $75,284,000 | 4,668 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 4,922 |
| Cost of funding earning assets | 2.6769% | 626 |
| Net interest margin | 2.6780% | 7,241 |
| Noninterest income to average assets | 0.1638% | 6,904 |
| Noninterest expense to average assets | 2.4765% | 6,217 |
| Loan and lease loss provision to assets | 0.0378% | 7,167 |
| Net operating income to assets | 0.1475% | 5,054 |
| Return on assets (ROA) | 0.2268% | 4,881 |
| Pretax return on assets | 0.3338% | 4,676 |
| Return on Equity (ROE) | 2.2463% | 4,811 |
| Retained earnings to average equity (ytd only) | 2.2463% | 3,544 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6610% | 1,660 |
| Assets per employee ($millions) | 3.4920% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7252% | 7,323 |
| Loan loss allowance to noncurrent loans | 97.6909% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 6,023 |
| Noncurrent loans to loans | 0.7424% | 5,772 |
| Net loans and leases to total assets | 77.0013% | 1,586 |
| Net loans and leases to deposits | 87.3786% | 2,667 |
| Net loans and leases to core deposits | 116.2965% | 2,287 |
| Total domestic deposits to total assets | 88.1238% | 1,912 |
| Equity capital to assets | 9.9453% | 3,841 |
| Core capital (leverage) ratio | 9.9692% | 3,122 |
| Tier 1 risk-based capital ratio | 18.9633% | 1,661 |
| Total risk-based capital ratio | 19.9844% | 1,675 |
| Memoranda: | ||
| Average total assets | $95,256,400 | 5,234 |
| Average earning assets | $91,337,600 | 5,082 |
| Average equity | $9,615,600 | 5,409 |
| Average total loans | $77,511,600 | 4,601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4376% | 4,753 |
| Cost of funding earning assets | 2.7930% | 606 |
| Net interest margin | 2.6446% | 7,299 |
| Noninterest income to average assets | 0.1691% | 6,998 |
| Noninterest expense to average assets | 2.5306% | 5,969 |
| Loan and lease loss provision to assets | 0.0380% | 6,982 |
| Net operating income to assets | 0.0952% | 5,478 |
| Return on assets (ROA) | 0.1902% | 5,267 |
| Pretax return on assets | 0.2691% | 5,140 |
| Return on Equity (ROE) | 1.8772% | 5,211 |
| Retained earnings to average equity (ytd only) | 1.8772% | 4,271 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5904% | 1,426 |
| Assets per employee ($millions) | 3.3198% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 7,337 |
| Loan loss allowance to noncurrent loans | 136.6162% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 6,424 |
| Noncurrent loans to loans | 0.5222% | 6,263 |
| Net loans and leases to total assets | 78.2051% | 1,528 |
| Net loans and leases to deposits | 88.7218% | 2,832 |
| Net loans and leases to core deposits | 120.4788% | 2,204 |
| Total domestic deposits to total assets | 88.1465% | 1,597 |
| Equity capital to assets | 10.0161% | 4,067 |
| Core capital (leverage) ratio | 10.0404% | 3,240 |
| Tier 1 risk-based capital ratio | 19.1208% | 1,717 |
| Total risk-based capital ratio | 20.1412% | 1,732 |
| Memoranda: | ||
| Average total assets | $94,626,750 | 5,283 |
| Average earning assets | $90,699,250 | 5,137 |
| Average equity | $9,588,500 | 5,465 |
| Average total loans | $77,930,000 | 4,625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 4,534 |
| Cost of funding earning assets | 2.8769% | 646 |
| Net interest margin | 2.6394% | 7,313 |
| Noninterest income to average assets | 0.1658% | 7,093 |
| Noninterest expense to average assets | 2.5320% | 6,012 |
| Loan and lease loss provision to assets | 0.0383% | 6,856 |
| Net operating income to assets | 0.0707% | 5,647 |
| Return on assets (ROA) | 0.1850% | 5,399 |
| Pretax return on assets | 0.3019% | 5,204 |
| Return on Equity (ROE) | 1.8181% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.8181% | 4,331 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0016% | 1,493 |
| Assets per employee ($millions) | 3.2791% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 7,410 |
| Loan loss allowance to noncurrent loans | 55.7652% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 4,963 |
| Noncurrent loans to loans | 1.2660% | 4,669 |
| Net loans and leases to total assets | 78.6864% | 1,595 |
| Net loans and leases to deposits | 89.4021% | 2,917 |
| Net loans and leases to core deposits | 122.3627% | 2,173 |
| Total domestic deposits to total assets | 88.0140% | 1,765 |
| Equity capital to assets | 10.0869% | 3,830 |
| Core capital (leverage) ratio | 10.1143% | 3,174 |
| Tier 1 risk-based capital ratio | 18.9778% | 1,787 |
| Total risk-based capital ratio | 19.9779% | 1,784 |
| Memoranda: | ||
| Average total assets | $94,077,330 | 5,342 |
| Average earning assets | $90,096,000 | 5,197 |
| Average equity | $9,570,330 | 5,493 |
| Average total loans | $78,629,000 | 4,630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6257% | 4,208 |
| Cost of funding earning assets | 2.9583% | 666 |
| Net interest margin | 2.6674% | 7,272 |
| Noninterest income to average assets | 0.1753% | 7,052 |
| Noninterest expense to average assets | 2.4410% | 6,054 |
| Loan and lease loss provision to assets | 0.0385% | 6,478 |
| Net operating income to assets | 0.1619% | 5,781 |
| Return on assets (ROA) | 0.2736% | 5,564 |
| Pretax return on assets | 0.4104% | 5,364 |
| Return on Equity (ROE) | 2.6780% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.6780% | 4,392 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6389% | 1,752 |
| Assets per employee ($millions) | 3.2932% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 7,540 |
| Loan loss allowance to noncurrent loans | 157.5301% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 6,477 |
| Noncurrent loans to loans | 0.4209% | 6,367 |
| Net loans and leases to total assets | 82.0437% | 1,012 |
| Net loans and leases to deposits | 92.9412% | 2,444 |
| Net loans and leases to core deposits | 127.6785% | 1,807 |
| Total domestic deposits to total assets | 88.2748% | 1,595 |
| Equity capital to assets | 10.0446% | 3,952 |
| Core capital (leverage) ratio | 10.0710% | 3,322 |
| Tier 1 risk-based capital ratio | 18.5866% | 1,909 |
| Total risk-based capital ratio | 19.5487% | 1,939 |
| Memoranda: | ||
| Average total assets | $93,569,000 | 5,384 |
| Average earning assets | $89,375,000 | 5,244 |
| Average equity | $9,559,500 | 5,520 |
| Average total loans | $80,264,500 | 4,608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0766% | 5,160 |
| Cost of funding earning assets | 3.4292% | 654 |
| Net interest margin | 2.6474% | 7,585 |
| Noninterest income to average assets | 0.1786% | 7,164 |
| Noninterest expense to average assets | 2.4585% | 6,175 |
| Loan and lease loss provision to assets | 0.0223% | 7,118 |
| Net operating income to assets | 0.1499% | 5,981 |
| Return on assets (ROA) | 0.1731% | 5,761 |
| Pretax return on assets | 0.2579% | 5,612 |
| Return on Equity (ROE) | 1.6396% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.6396% | 4,227 |
| Net charge-offs to loans | 0.0013% | 7,020 |
| Credit loss provision to net charge-offs | 2,000.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 214 |
| Efficiency ratio | 90.9166% | 1,447 |
| Assets per employee ($millions) | 3.2726% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 7,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 88.5446% | 317 |
| Net loans and leases to deposits | 101.1103% | 1,693 |
| Net loans and leases to core deposits | 139.1906% | 1,307 |
| Total domestic deposits to total assets | 87.5723% | 1,682 |
| Equity capital to assets | 10.3957% | 3,617 |
| Core capital (leverage) ratio | 10.4260% | 3,044 |
| Tier 1 risk-based capital ratio | 18.4480% | 1,930 |
| Total risk-based capital ratio | 19.3920% | 1,957 |
| Memoranda: | ||
| Average total assets | $89,568,000 | 5,375 |
| Average earning assets | $85,443,000 | 5,250 |
| Average equity | $9,453,800 | 5,585 |
| Average total loans | $78,663,000 | 4,564 |