Home > Highland Federal Savings and Loan Association > Performance and Condition Ratios
Highland Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 3,268 |
| Cost of funding earning assets | 0.8867% | 3,546 |
| Net interest margin | 3.5193% | 2,141 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.6845% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8597% | 2,676 |
| Return on assets (ROA) | 0.8597% | 2,650 |
| Pretax return on assets | 1.1641% | 2,226 |
| Return on Equity (ROE) | 4.1500% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.1534% | 2,901 |
| 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 | 69.7533% | 1,914 |
| Assets per employee ($millions) | 5.4639% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,093 |
| Loan loss allowance to noncurrent loans | 210.1563% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 2,427 |
| Noncurrent loans to loans | 0.3429% | 1,952 |
| Net loans and leases to total assets | 48.4400% | 3,703 |
| Net loans and leases to deposits | 62.7668% | 3,363 |
| Net loans and leases to core deposits | 68.3697% | 3,382 |
| Total domestic deposits to total assets | 77.1800% | 3,829 |
| Equity capital to assets | 21.2511% | 261 |
| Core capital (leverage) ratio | 21.2736% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $76,885,800 | 4,047 |
| Average earning assets | $69,474,000 | 4,039 |
| Average equity | $15,914,800 | 3,191 |
| Average total loans | $32,860,400 | 4,095 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 3,342 |
| Cost of funding earning assets | 0.7917% | 3,540 |
| Net interest margin | 3.4792% | 2,254 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.6620% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8660% | 2,812 |
| Return on assets (ROA) | 0.8660% | 2,794 |
| Pretax return on assets | 1.1725% | 2,361 |
| Return on Equity (ROE) | 4.2100% | 3,950 |
| Retained earnings to average equity (ytd only) | 4.2114% | 3,203 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.4219% | 1,852 |
| Assets per employee ($millions) | 5.5676% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,012 |
| Loan loss allowance to noncurrent loans | 210.1563% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,484 |
| Noncurrent loans to loans | 0.3724% | 1,899 |
| Net loans and leases to total assets | 43.7500% | 3,926 |
| Net loans and leases to deposits | 56.1490% | 3,704 |
| Net loans and leases to core deposits | 60.9512% | 3,660 |
| Total domestic deposits to total assets | 77.9200% | 3,828 |
| Equity capital to assets | 20.6476% | 270 |
| Core capital (leverage) ratio | 20.9981% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $76,983,500 | 4,060 |
| Average earning assets | $69,554,000 | 4,058 |
| Average equity | $15,829,500 | 3,187 |
| Average total loans | $31,744,500 | 4,135 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 3,357 |
| Cost of funding earning assets | 0.7195% | 3,426 |
| Net interest margin | 3.4503% | 2,389 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.7236% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7748% | 3,155 |
| Return on assets (ROA) | 0.7748% | 3,169 |
| Pretax return on assets | 1.0488% | 2,780 |
| Return on Equity (ROE) | 3.7700% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.7735% | 3,260 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1992% | 1,530 |
| Assets per employee ($millions) | 5.4100% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,007 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.7700% | 3,888 |
| Net loans and leases to deposits | 56.6021% | 3,604 |
| Net loans and leases to core deposits | 60.6631% | 3,596 |
| Total domestic deposits to total assets | 77.3300% | 3,915 |
| Equity capital to assets | 20.9823% | 254 |
| Core capital (leverage) ratio | 20.5663% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $76,662,667 | 4,082 |
| Average earning assets | $69,211,000 | 4,084 |
| Average equity | $15,741,333 | 3,210 |
| Average total loans | $30,869,333 | 4,158 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 3,665 |
| Cost of funding earning assets | 0.6257% | 3,304 |
| Net interest margin | 3.2780% | 2,929 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.5051% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7417% | 3,366 |
| Return on assets (ROA) | 0.7417% | 3,324 |
| Pretax return on assets | 1.0062% | 2,973 |
| Return on Equity (ROE) | 3.6500% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.6512% | 3,359 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3442% | 1,593 |
| Assets per employee ($millions) | 5.5559% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 3,893 |
| Loan loss allowance to noncurrent loans | 125.1163% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 1,760 |
| Noncurrent loans to loans | 0.7079% | 1,075 |
| Net loans and leases to total assets | 38.7000% | 4,092 |
| Net loans and leases to deposits | 49.5099% | 3,911 |
| Net loans and leases to core deposits | 53.3035% | 3,859 |
| Total domestic deposits to total assets | 78.1600% | 3,990 |
| Equity capital to assets | 20.2332% | 226 |
| Core capital (leverage) ratio | 20.3349% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $77,124,000 | 4,137 |
| Average earning assets | $69,676,500 | 4,134 |
| Average equity | $15,666,000 | 3,246 |
| Average total loans | $29,593,000 | 4,231 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5929% | 4,464 |
| Cost of funding earning assets | 0.1057% | 4,368 |
| Net interest margin | 2.4872% | 4,300 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.5021% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4765% | 4,118 |
| Return on assets (ROA) | 0.4765% | 4,089 |
| Pretax return on assets | 0.6385% | 3,961 |
| Return on Equity (ROE) | 2.3700% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.3689% | 3,898 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.6703% | 743 |
| Assets per employee ($millions) | 5.4618% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 3,654 |
| Loan loss allowance to noncurrent loans | 155.4913% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,017 |
| Noncurrent loans to loans | 0.6004% | 1,249 |
| Net loans and leases to total assets | 37.3300% | 4,167 |
| Net loans and leases to deposits | 47.6085% | 3,988 |
| Net loans and leases to core deposits | 50.4373% | 3,964 |
| Total domestic deposits to total assets | 78.4200% | 4,057 |
| Equity capital to assets | 20.3936% | 217 |
| Core capital (leverage) ratio | 20.5022% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5394% | 107 |
| Memoranda: | ||
| Average total assets | $75,336,000 | 4,178 |
| Average earning assets | $68,109,800 | 4,177 |
| Average equity | $15,154,600 | 3,353 |
| Average total loans | $24,698,800 | 4,337 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4370% | 4,482 |
| Cost of funding earning assets | 0.0766% | 4,442 |
| Net interest margin | 2.3604% | 4,364 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.5013% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2736% | 4,414 |
| Return on assets (ROA) | 0.2736% | 4,369 |
| Pretax return on assets | 0.3660% | 4,309 |
| Return on Equity (ROE) | 1.3600% | 4,468 |
| Retained earnings to average equity (ytd only) | 1.3648% | 4,166 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.2367% | 411 |
| Assets per employee ($millions) | 5.5946% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,323 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.8300% | 4,343 |
| Net loans and leases to deposits | 41.4052% | 4,196 |
| Net loans and leases to core deposits | 42.2708% | 4,214 |
| Total domestic deposits to total assets | 79.3000% | 4,159 |
| Equity capital to assets | 19.6489% | 228 |
| Core capital (leverage) ratio | 19.8788% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.9342% | 97 |
| Memoranda: | ||
| Average total assets | $75,053,750 | 4,218 |
| Average earning assets | $67,895,000 | 4,210 |
| Average equity | $15,044,750 | 3,403 |
| Average total loans | $23,669,500 | 4,384 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1475% | 4,588 |
| Cost of funding earning assets | 0.0808% | 4,371 |
| Net interest margin | 2.0668% | 4,525 |
| Noninterest income to average assets | 0.7977% | 1,048 |
| Noninterest expense to average assets | 2.5553% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0811% | 4,527 |
| Return on assets (ROA) | 0.0811% | 4,492 |
| Pretax return on assets | 0.1109% | 4,484 |
| Return on Equity (ROE) | 0.4019% | 4,522 |
| Retained earnings to average equity (ytd only) | 0.4019% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8418% | 249 |
| Assets per employee ($millions) | 5.4952% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.9373% | 4,430 |
| Net loans and leases to deposits | 39.3913% | 4,289 |
| Net loans and leases to core deposits | 40.2418% | 4,312 |
| Total domestic deposits to total assets | 78.5385% | 4,325 |
| Equity capital to assets | 19.8432% | 172 |
| Core capital (leverage) ratio | 19.9762% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,963,333 | 4,274 |
| Average earning assets | $66,867,667 | 4,275 |
| Average equity | $14,929,667 | 3,501 |
| Average total loans | $22,897,000 | 4,450 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8839% | 4,646 |
| Cost of funding earning assets | 0.0793% | 4,367 |
| Net interest margin | 1.8046% | 4,617 |
| Noninterest income to average assets | 0.8168% | 1,002 |
| Noninterest expense to average assets | 2.6380% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1490% | 4,620 |
| Return on assets (ROA) | -0.1490% | 4,604 |
| Pretax return on assets | -0.1876% | 4,612 |
| Return on Equity (ROE) | -0.7316% | 4,576 |
| Retained earnings to average equity (ytd only) | -0.7316% | 4,114 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6577% | 146 |
| Assets per employee ($millions) | 5.2799% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 30.8757% | 4,423 |
| Net loans and leases to deposits | 39.1979% | 4,279 |
| Net loans and leases to core deposits | 39.8474% | 4,319 |
| Total domestic deposits to total assets | 78.7687% | 4,361 |
| Equity capital to assets | 19.9516% | 165 |
| Core capital (leverage) ratio | 19.9553% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.5133% | 53 |
| Memoranda: | ||
| Average total assets | $72,478,500 | 4,312 |
| Average earning assets | $65,609,500 | 4,310 |
| Average equity | $14,761,500 | 3,582 |
| Average total loans | $22,310,500 | 4,478 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1511% | 4,637 |
| Cost of funding earning assets | 0.1001% | 4,381 |
| Net interest margin | 2.0510% | 4,572 |
| Noninterest income to average assets | 1.1038% | 851 |
| Noninterest expense to average assets | 2.8047% | 1,349 |
| Loan and lease loss provision to assets | 0.0481% | 2,097 |
| Net operating income to assets | 0.0580% | 4,654 |
| Return on assets (ROA) | 0.0580% | 4,664 |
| Pretax return on assets | 0.1061% | 4,634 |
| Return on Equity (ROE) | 0.2777% | 4,670 |
| Retained earnings to average equity (ytd only) | 0.2777% | 4,422 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7872% | 214 |
| Assets per employee ($millions) | 5.0741% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,629 |
| Loan loss allowance to noncurrent loans | 13,450.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,158 |
| Noncurrent loans to loans | 0.0093% | 4,032 |
| Net loans and leases to total assets | 29.9276% | 4,507 |
| Net loans and leases to deposits | 38.3623% | 4,382 |
| Net loans and leases to core deposits | 38.8452% | 4,428 |
| Total domestic deposits to total assets | 78.0132% | 4,389 |
| Equity capital to assets | 20.7987% | 157 |
| Core capital (leverage) ratio | 20.1796% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.1892% | 53 |
| Memoranda: | ||
| Average total assets | $70,667,200 | 4,335 |
| Average earning assets | $63,921,000 | 4,336 |
| Average equity | $14,765,200 | 3,663 |
| Average total loans | $22,584,200 | 4,524 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1797% | 4,719 |
| Cost of funding earning assets | 0.1044% | 4,459 |
| Net interest margin | 2.0753% | 4,641 |
| Noninterest income to average assets | 1.1373% | 880 |
| Noninterest expense to average assets | 2.8338% | 1,261 |
| Loan and lease loss provision to assets | 0.0510% | 1,974 |
| Net operating income to assets | 0.0756% | 4,710 |
| Return on assets (ROA) | 0.0756% | 4,726 |
| Pretax return on assets | 0.1304% | 4,703 |
| Return on Equity (ROE) | 0.3613% | 4,734 |
| Retained earnings to average equity (ytd only) | 0.3613% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9850% | 229 |
| Assets per employee ($millions) | 5.1336% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,950 |
| Loan loss allowance to noncurrent loans | 748.5714% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,829 |
| Noncurrent loans to loans | 0.1615% | 3,313 |
| Net loans and leases to total assets | 29.7941% | 4,598 |
| Net loans and leases to deposits | 38.0696% | 4,520 |
| Net loans and leases to core deposits | 38.5417% | 4,559 |
| Total domestic deposits to total assets | 78.2621% | 4,395 |
| Equity capital to assets | 20.5566% | 172 |
| Core capital (leverage) ratio | 20.1019% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.0154% | 59 |
| Memoranda: | ||
| Average total assets | $70,574,500 | 4,391 |
| Average earning assets | $63,861,750 | 4,394 |
| Average equity | $14,762,750 | 3,707 |
| Average total loans | $22,848,000 | 4,575 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2090% | 4,760 |
| Cost of funding earning assets | 0.1134% | 4,480 |
| Net interest margin | 2.0955% | 4,655 |
| Noninterest income to average assets | 1.1747% | 832 |
| Noninterest expense to average assets | 2.8741% | 1,198 |
| Loan and lease loss provision to assets | 0.0513% | 2,008 |
| Net operating income to assets | 0.0855% | 4,726 |
| Return on assets (ROA) | 0.0855% | 4,742 |
| Pretax return on assets | 0.1454% | 4,702 |
| Return on Equity (ROE) | 0.4065% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.4065% | 4,449 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5933% | 263 |
| Assets per employee ($millions) | 5.2468% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,979 |
| Loan loss allowance to noncurrent loans | 389.2308% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 3,613 |
| Noncurrent loans to loans | 0.3065% | 2,827 |
| Net loans and leases to total assets | 28.5304% | 4,693 |
| Net loans and leases to deposits | 36.3118% | 4,623 |
| Net loans and leases to core deposits | 36.7505% | 4,654 |
| Total domestic deposits to total assets | 78.5706% | 4,378 |
| Equity capital to assets | 20.0994% | 183 |
| Core capital (leverage) ratio | 20.3315% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.9533% | 61 |
| Memoranda: | ||
| Average total assets | $70,142,667 | 4,420 |
| Average earning assets | $63,469,000 | 4,427 |
| Average equity | $14,759,000 | 3,703 |
| Average total loans | $23,239,000 | 4,605 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3778% | 4,722 |
| Cost of funding earning assets | 0.1361% | 4,406 |
| Net interest margin | 2.2417% | 4,580 |
| Noninterest income to average assets | 1.3550% | 712 |
| Noninterest expense to average assets | 2.9261% | 1,114 |
| Loan and lease loss provision to assets | 0.0526% | 2,054 |
| Net operating income to assets | 0.2745% | 4,554 |
| Return on assets (ROA) | 0.2745% | 4,581 |
| Pretax return on assets | 0.3972% | 4,488 |
| Return on Equity (ROE) | 1.2740% | 4,685 |
| Retained earnings to average equity (ytd only) | 1.2740% | 4,164 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6782% | 489 |
| Assets per employee ($millions) | 4.6913% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,679 |
| Loan loss allowance to noncurrent loans | 375.3846% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,728 |
| Noncurrent loans to loans | 0.2780% | 3,103 |
| Net loans and leases to total assets | 32.8767% | 4,609 |
| Net loans and leases to deposits | 42.3671% | 4,479 |
| Net loans and leases to core deposits | 42.9085% | 4,533 |
| Total domestic deposits to total assets | 77.5995% | 4,467 |
| Equity capital to assets | 21.0036% | 151 |
| Core capital (leverage) ratio | 21.5104% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.6868% | 61 |
| Memoranda: | ||
| Average total assets | $68,486,500 | 4,457 |
| Average earning assets | $61,737,500 | 4,466 |
| Average equity | $14,756,500 | 3,711 |
| Average total loans | $24,253,500 | 4,608 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4249% | 4,165 |
| Cost of funding earning assets | 0.2306% | 4,461 |
| Net interest margin | 3.1943% | 3,374 |
| Noninterest income to average assets | 1.6139% | 478 |
| Noninterest expense to average assets | 3.4049% | 791 |
| Loan and lease loss provision to assets | 0.0559% | 3,671 |
| Net operating income to assets | 0.7472% | 3,272 |
| Return on assets (ROA) | 0.7472% | 3,396 |
| Pretax return on assets | 1.0143% | 3,000 |
| Return on Equity (ROE) | 3.3197% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.3197% | 3,165 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0847% | 1,217 |
| Assets per employee ($millions) | 4.4403% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 4,089 |
| Loan loss allowance to noncurrent loans | 361.5385% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 3,824 |
| Noncurrent loans to loans | 0.2587% | 3,265 |
| Net loans and leases to total assets | 37.3746% | 4,552 |
| Net loans and leases to deposits | 48.8942% | 4,361 |
| Net loans and leases to core deposits | 49.5649% | 4,436 |
| Total domestic deposits to total assets | 76.4399% | 4,474 |
| Equity capital to assets | 22.1203% | 133 |
| Core capital (leverage) ratio | 22.0662% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.6142% | 60 |
| Memoranda: | ||
| Average total assets | $64,377,600 | 4,455 |
| Average earning assets | $57,665,600 | 4,473 |
| Average equity | $14,489,400 | 3,695 |
| Average total loans | $29,982,400 | 4,518 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6628% | 3,886 |
| Cost of funding earning assets | 0.2475% | 4,521 |
| Net interest margin | 3.4153% | 2,867 |
| Noninterest income to average assets | 1.6776% | 418 |
| Noninterest expense to average assets | 3.4638% | 738 |
| Loan and lease loss provision to assets | 0.0564% | 3,642 |
| Net operating income to assets | 0.9004% | 2,708 |
| Return on assets (ROA) | 0.9004% | 2,827 |
| Pretax return on assets | 1.2138% | 2,352 |
| Return on Equity (ROE) | 3.9828% | 4,158 |
| Retained earnings to average equity (ytd only) | 3.9828% | 3,058 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1686% | 1,499 |
| Assets per employee ($millions) | 4.0829% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 4,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.0257% | 4,460 |
| Net loans and leases to deposits | 56.6240% | 4,228 |
| Net loans and leases to core deposits | 57.0840% | 4,336 |
| Total domestic deposits to total assets | 75.9851% | 4,426 |
| Equity capital to assets | 22.4750% | 136 |
| Core capital (leverage) ratio | 22.0684% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.3091% | 97 |
| Memoranda: | ||
| Average total assets | $63,821,000 | 4,475 |
| Average earning assets | $57,114,000 | 4,498 |
| Average equity | $14,428,500 | 3,704 |
| Average total loans | $31,196,000 | 4,520 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,826 |
| Cost of funding earning assets | 0.2651% | 4,578 |
| Net interest margin | 3.5490% | 2,638 |
| Noninterest income to average assets | 1.4877% | 476 |
| Noninterest expense to average assets | 3.5818% | 672 |
| Loan and lease loss provision to assets | 0.0569% | 3,588 |
| Net operating income to assets | 0.7360% | 3,256 |
| Return on assets (ROA) | 0.7360% | 3,375 |
| Pretax return on assets | 1.0202% | 2,969 |
| Return on Equity (ROE) | 3.2487% | 4,296 |
| Retained earnings to average equity (ytd only) | 3.2487% | 3,289 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8814% | 1,171 |
| Assets per employee ($millions) | 4.3963% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6929% | 4,578 |
| Loan loss allowance to noncurrent loans | 301.3889% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 3,981 |
| Noncurrent loans to loans | 0.2299% | 3,552 |
| Net loans and leases to total assets | 47.1643% | 4,302 |
| Net loans and leases to deposits | 61.7851% | 4,017 |
| Net loans and leases to core deposits | 62.2800% | 4,164 |
| Total domestic deposits to total assets | 76.3360% | 4,394 |
| Equity capital to assets | 21.9656% | 148 |
| Core capital (leverage) ratio | 22.1454% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3421% | 83 |
| Memoranda: | ||
| Average total assets | $63,319,333 | 4,491 |
| Average earning assets | $56,579,000 | 4,521 |
| Average equity | $14,344,000 | 3,721 |
| Average total loans | $32,150,333 | 4,525 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 4,274 |
| Cost of funding earning assets | 0.2822% | 4,704 |
| Net interest margin | 3.4874% | 3,024 |
| Noninterest income to average assets | 0.9418% | 974 |
| Noninterest expense to average assets | 3.5802% | 835 |
| Loan and lease loss provision to assets | 0.0581% | 3,032 |
| Net operating income to assets | 0.2774% | 4,394 |
| Return on assets (ROA) | 0.2774% | 4,417 |
| Pretax return on assets | 0.4129% | 4,271 |
| Return on Equity (ROE) | 1.2050% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.2050% | 3,693 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3758% | 568 |
| Assets per employee ($millions) | 3.9068% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6356% | 4,710 |
| Loan loss allowance to noncurrent loans | 284.9315% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 4,040 |
| Noncurrent loans to loans | 0.2231% | 3,685 |
| Net loans and leases to total assets | 52.0237% | 4,111 |
| Net loans and leases to deposits | 68.8991% | 3,667 |
| Net loans and leases to core deposits | 69.4880% | 3,909 |
| Total domestic deposits to total assets | 75.5071% | 4,536 |
| Equity capital to assets | 22.8691% | 154 |
| Core capital (leverage) ratio | 22.8451% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.9948% | 88 |
| Memoranda: | ||
| Average total assets | $62,007,000 | 4,533 |
| Average earning assets | $55,284,000 | 4,556 |
| Average equity | $14,273,500 | 3,740 |
| Average total loans | $32,566,000 | 4,542 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 4,102 |
| Cost of funding earning assets | 0.2345% | 4,889 |
| Net interest margin | 3.8360% | 2,384 |
| Noninterest income to average assets | 1.0387% | 890 |
| Noninterest expense to average assets | 3.7547% | 711 |
| Loan and lease loss provision to assets | 0.0441% | 3,130 |
| Net operating income to assets | 0.5324% | 4,330 |
| Return on assets (ROA) | 0.5324% | 4,381 |
| Pretax return on assets | 0.6598% | 4,307 |
| Return on Equity (ROE) | 2.3161% | 4,767 |
| Retained earnings to average equity (ytd only) | 2.3161% | 3,867 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2125% | 642 |
| Assets per employee ($millions) | 3.6180% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 4,715 |
| Loan loss allowance to noncurrent loans | 184.2593% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,777 |
| Noncurrent loans to loans | 0.3333% | 3,247 |
| Net loans and leases to total assets | 52.3624% | 4,195 |
| Net loans and leases to deposits | 69.5714% | 3,705 |
| Net loans and leases to core deposits | 70.1778% | 3,955 |
| Total domestic deposits to total assets | 75.2642% | 4,678 |
| Equity capital to assets | 23.1717% | 157 |
| Core capital (leverage) ratio | 22.7800% | 159 |
| Tier 1 risk-based capital ratio | 48.9836% | 138 |
| Total risk-based capital ratio | 49.6775% | 141 |
| Memoranda: | ||
| Average total assets | $61,229,200 | 4,581 |
| Average earning assets | $54,587,600 | 4,600 |
| Average equity | $14,075,600 | 3,742 |
| Average total loans | $30,225,000 | 4,639 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 4,226 |
| Cost of funding earning assets | 0.2200% | 4,993 |
| Net interest margin | 3.8479% | 2,445 |
| Noninterest income to average assets | 1.0769% | 793 |
| Noninterest expense to average assets | 3.8325% | 630 |
| Loan and lease loss provision to assets | 0.0392% | 3,119 |
| Net operating income to assets | 0.5341% | 4,440 |
| Return on assets (ROA) | 0.5341% | 4,496 |
| Pretax return on assets | 0.6366% | 4,476 |
| Return on Equity (ROE) | 2.3280% | 4,868 |
| Retained earnings to average equity (ytd only) | 2.3280% | 4,164 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0097% | 551 |
| Assets per employee ($millions) | 3.6600% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6103% | 4,797 |
| Loan loss allowance to noncurrent loans | 256.7568% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 4,125 |
| Noncurrent loans to loans | 0.2377% | 3,689 |
| Net loans and leases to total assets | 49.7284% | 4,443 |
| Net loans and leases to deposits | 65.7187% | 4,084 |
| Net loans and leases to core deposits | 66.2818% | 4,258 |
| Total domestic deposits to total assets | 75.6686% | 4,678 |
| Equity capital to assets | 22.7756% | 165 |
| Core capital (leverage) ratio | 22.6981% | 164 |
| Tier 1 risk-based capital ratio | 51.7120% | 125 |
| Total risk-based capital ratio | 52.4153% | 128 |
| Memoranda: | ||
| Average total assets | $61,160,000 | 4,639 |
| Average earning assets | $54,538,750 | 4,672 |
| Average equity | $14,031,500 | 3,777 |
| Average total loans | $29,680,000 | 4,711 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 4,411 |
| Cost of funding earning assets | 0.2029% | 5,067 |
| Net interest margin | 3.7821% | 2,641 |
| Noninterest income to average assets | 1.1775% | 619 |
| Noninterest expense to average assets | 3.9404% | 578 |
| Loan and lease loss provision to assets | 0.0395% | 3,029 |
| Net operating income to assets | 0.3947% | 4,744 |
| Return on assets (ROA) | 0.3947% | 4,763 |
| Pretax return on assets | 0.5690% | 4,595 |
| Return on Equity (ROE) | 1.7161% | 4,976 |
| Retained earnings to average equity (ytd only) | 1.7161% | 4,202 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6233% | 512 |
| Assets per employee ($millions) | 3.6131% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 4,849 |
| Loan loss allowance to noncurrent loans | 248.6486% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,150 |
| Noncurrent loans to loans | 0.2466% | 3,654 |
| Net loans and leases to total assets | 48.5535% | 4,549 |
| Net loans and leases to deposits | 64.3528% | 4,205 |
| Net loans and leases to core deposits | 64.9130% | 4,367 |
| Total domestic deposits to total assets | 75.4489% | 4,732 |
| Equity capital to assets | 22.8677% | 162 |
| Core capital (leverage) ratio | 22.7734% | 156 |
| Tier 1 risk-based capital ratio | 52.5848% | 122 |
| Total risk-based capital ratio | 53.2832% | 121 |
| Memoranda: | ||
| Average total assets | $60,806,670 | 4,680 |
| Average earning assets | $54,203,000 | 4,710 |
| Average equity | $13,985,000 | 3,791 |
| Average total loans | $29,196,330 | 4,759 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 4,487 |
| Cost of funding earning assets | 0.1707% | 5,177 |
| Net interest margin | 3.7706% | 2,632 |
| Noninterest income to average assets | 0.7471% | 1,438 |
| Noninterest expense to average assets | 3.5174% | 946 |
| Loan and lease loss provision to assets | 0.0397% | 2,833 |
| Net operating income to assets | 0.3769% | 4,778 |
| Return on assets (ROA) | 0.3769% | 4,785 |
| Pretax return on assets | 0.5488% | 4,598 |
| Return on Equity (ROE) | 1.6339% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.6339% | 4,158 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6683% | 604 |
| Assets per employee ($millions) | 3.7896% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,510 |
| Loan loss allowance to noncurrent loans | 404.0000% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,180 |
| Noncurrent loans to loans | 0.2556% | 3,643 |
| Net loans and leases to total assets | 47.8972% | 4,592 |
| Net loans and leases to deposits | 63.5506% | 4,210 |
| Net loans and leases to core deposits | 64.1118% | 4,373 |
| Total domestic deposits to total assets | 75.3686% | 4,829 |
| Equity capital to assets | 23.0613% | 146 |
| Core capital (leverage) ratio | 22.9896% | 151 |
| Tier 1 risk-based capital ratio | 52.3710% | 119 |
| Total risk-based capital ratio | 53.5214% | 118 |
| Memoranda: | ||
| Average total assets | $60,498,500 | 4,738 |
| Average earning assets | $53,890,000 | 4,765 |
| Average equity | $13,954,500 | 3,808 |
| Average total loans | $28,791,000 | 4,819 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 4,866 |
| Cost of funding earning assets | 0.1538% | 5,160 |
| Net interest margin | 3.3898% | 4,024 |
| Noninterest income to average assets | 0.7511% | 1,639 |
| Noninterest expense to average assets | 3.4065% | 1,141 |
| Loan and lease loss provision to assets | 0.0388% | 3,424 |
| Net operating income to assets | 0.2407% | 5,069 |
| Return on assets (ROA) | 0.2407% | 5,066 |
| Pretax return on assets | 0.3327% | 5,020 |
| Return on Equity (ROE) | 1.0767% | 5,153 |
| Retained earnings to average equity (ytd only) | 1.0767% | 4,685 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1667% | 337 |
| Assets per employee ($millions) | 3.7727% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,370 |
| Loan loss allowance to noncurrent loans | 396.0000% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,201 |
| Noncurrent loans to loans | 0.2656% | 3,627 |
| Net loans and leases to total assets | 46.2866% | 4,725 |
| Net loans and leases to deposits | 61.3486% | 4,409 |
| Net loans and leases to core deposits | 61.8922% | 4,544 |
| Total domestic deposits to total assets | 75.4485% | 4,820 |
| Equity capital to assets | 23.0704% | 144 |
| Core capital (leverage) ratio | 22.4211% | 159 |
| Tier 1 risk-based capital ratio | 54.6195% | 107 |
| Total risk-based capital ratio | 55.8003% | 106 |
| Memoranda: | ||
| Average total assets | $61,910,200 | 4,721 |
| Average earning assets | $55,284,200 | 4,765 |
| Average equity | $13,838,000 | 3,771 |
| Average total loans | $27,408,200 | 4,880 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4443% | 4,986 |
| Cost of funding earning assets | 0.1509% | 5,213 |
| Net interest margin | 3.2934% | 4,297 |
| Noninterest income to average assets | 0.7320% | 1,745 |
| Noninterest expense to average assets | 3.3773% | 1,154 |
| Loan and lease loss provision to assets | 0.0385% | 3,230 |
| Net operating income to assets | 0.2097% | 5,189 |
| Return on assets (ROA) | 0.2097% | 5,184 |
| Pretax return on assets | 0.2590% | 5,172 |
| Return on Equity (ROE) | 0.9457% | 5,241 |
| Retained earnings to average equity (ytd only) | 0.9457% | 4,868 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9045% | 281 |
| Assets per employee ($millions) | 3.9088% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,441 |
| Loan loss allowance to noncurrent loans | 257.5221% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 4,039 |
| Noncurrent loans to loans | 0.4097% | 3,183 |
| Net loans and leases to total assets | 43.6361% | 4,895 |
| Net loans and leases to deposits | 57.1064% | 4,696 |
| Net loans and leases to core deposits | 57.5884% | 4,803 |
| Total domestic deposits to total assets | 76.4119% | 4,740 |
| Equity capital to assets | 22.1858% | 158 |
| Core capital (leverage) ratio | 21.9844% | 165 |
| Tier 1 risk-based capital ratio | 55.4786% | 101 |
| Total risk-based capital ratio | 56.6578% | 98 |
| Memoranda: | ||
| Average total assets | $62,297,000 | 4,767 |
| Average earning assets | $55,666,250 | 4,808 |
| Average equity | $13,816,000 | 3,801 |
| Average total loans | $27,201,000 | 4,937 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3291% | 5,113 |
| Cost of funding earning assets | 0.1474% | 5,257 |
| Net interest margin | 3.1817% | 4,547 |
| Noninterest income to average assets | 0.6911% | 1,908 |
| Noninterest expense to average assets | 3.3432% | 1,225 |
| Loan and lease loss provision to assets | 0.0386% | 3,139 |
| Net operating income to assets | 0.1414% | 5,267 |
| Return on assets (ROA) | 0.1414% | 5,260 |
| Pretax return on assets | 0.1543% | 5,268 |
| Return on Equity (ROE) | 0.6379% | 5,297 |
| Retained earnings to average equity (ytd only) | 0.6379% | 4,836 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5455% | 247 |
| Assets per employee ($millions) | 3.9130% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,590 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 4,068 |
| Noncurrent loans to loans | 0.4163% | 3,208 |
| Net loans and leases to total assets | 43.2852% | 4,940 |
| Net loans and leases to deposits | 56.6247% | 4,717 |
| Net loans and leases to core deposits | 57.1019% | 4,825 |
| Total domestic deposits to total assets | 76.4423% | 4,808 |
| Equity capital to assets | 22.0755% | 161 |
| Core capital (leverage) ratio | 21.9719% | 166 |
| Tier 1 risk-based capital ratio | 54.6891% | 106 |
| Total risk-based capital ratio | 55.8323% | 105 |
| Memoranda: | ||
| Average total assets | $62,216,000 | 4,826 |
| Average earning assets | $55,630,330 | 4,865 |
| Average equity | $13,796,330 | 3,821 |
| Average total loans | $27,074,330 | 4,991 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2184% | 5,216 |
| Cost of funding earning assets | 0.1515% | 5,260 |
| Net interest margin | 3.0668% | 4,769 |
| Noninterest income to average assets | 0.7030% | 1,816 |
| Noninterest expense to average assets | 3.3667% | 1,221 |
| Loan and lease loss provision to assets | 0.0387% | 2,976 |
| Net operating income to assets | 0.0903% | 5,336 |
| Return on assets (ROA) | 0.0903% | 5,331 |
| Pretax return on assets | 0.0387% | 5,366 |
| Return on Equity (ROE) | 0.4063% | 5,357 |
| Retained earnings to average equity (ytd only) | 0.4063% | 4,744 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7528% | 212 |
| Assets per employee ($millions) | 3.8810% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,796 |
| Loan loss allowance to noncurrent loans | 382.1918% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,508 |
| Noncurrent loans to loans | 0.2688% | 3,808 |
| Net loans and leases to total assets | 43.2878% | 4,931 |
| Net loans and leases to deposits | 56.6682% | 4,665 |
| Net loans and leases to core deposits | 57.1501% | 4,790 |
| Total domestic deposits to total assets | 76.3882% | 4,931 |
| Equity capital to assets | 22.2092% | 152 |
| Core capital (leverage) ratio | 22.2084% | 147 |
| Tier 1 risk-based capital ratio | 55.4447% | 104 |
| Total risk-based capital ratio | 56.5813% | 101 |
| Memoranda: | ||
| Average total assets | $62,020,000 | 4,892 |
| Average earning assets | $55,432,000 | 4,925 |
| Average equity | $13,784,000 | 3,856 |
| Average total loans | $26,919,000 | 5,044 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1863% | 5,207 |
| Cost of funding earning assets | 0.1562% | 5,227 |
| Net interest margin | 3.0301% | 4,822 |
| Noninterest income to average assets | 0.8220% | 1,493 |
| Noninterest expense to average assets | 3.3151% | 1,347 |
| Loan and lease loss provision to assets | 0.0381% | 3,503 |
| Net operating income to assets | -0.0175% | 5,376 |
| Return on assets (ROA) | -0.0175% | 5,381 |
| Pretax return on assets | 0.1777% | 5,330 |
| Return on Equity (ROE) | -0.0797% | 5,371 |
| Retained earnings to average equity (ytd only) | -0.0797% | 5,040 |
| Net charge-offs to loans | 0.0358% | 3,078 |
| Credit loss provision to net charge-offs | 240.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 2,380 |
| Efficiency ratio | 93.8876% | 297 |
| Assets per employee ($millions) | 3.8715% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,788 |
| Loan loss allowance to noncurrent loans | 235.3448% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 4,195 |
| Noncurrent loans to loans | 0.4348% | 3,224 |
| Net loans and leases to total assets | 42.6288% | 5,048 |
| Net loans and leases to deposits | 55.7924% | 4,814 |
| Net loans and leases to core deposits | 56.2680% | 4,928 |
| Total domestic deposits to total assets | 76.4061% | 4,931 |
| Equity capital to assets | 22.2411% | 147 |
| Core capital (leverage) ratio | 22.0131% | 141 |
| Tier 1 risk-based capital ratio | 55.7715% | 95 |
| Total risk-based capital ratio | 56.8910% | 95 |
| Memoranda: | ||
| Average total assets | $63,013,800 | 4,899 |
| Average earning assets | $56,335,200 | 4,943 |
| Average equity | $13,807,200 | 3,870 |
| Average total loans | $27,962,000 | 5,068 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1934% | 5,237 |
| Cost of funding earning assets | 0.1579% | 5,268 |
| Net interest margin | 3.0355% | 4,840 |
| Noninterest income to average assets | 0.8617% | 1,396 |
| Noninterest expense to average assets | 3.3374% | 1,267 |
| Loan and lease loss provision to assets | 0.0379% | 3,348 |
| Net operating income to assets | 0.1580% | 5,393 |
| Return on assets (ROA) | 0.1580% | 5,402 |
| Pretax return on assets | 0.2002% | 5,391 |
| Return on Equity (ROE) | 0.7239% | 5,461 |
| Retained earnings to average equity (ytd only) | 0.7239% | 5,057 |
| Net charge-offs to loans | 0.0471% | 2,497 |
| Credit loss provision to net charge-offs | 180.0000% | 1,475 |
| Earnings coverage of net charge-offs (x) | 11.3023% | 2,514 |
| Efficiency ratio | 93.3412% | 310 |
| Assets per employee ($millions) | 3.9611% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,081 |
| Loan loss allowance to noncurrent loans | 108.9796% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 3,477 |
| Noncurrent loans to loans | 0.9148% | 2,098 |
| Net loans and leases to total assets | 41.8354% | 5,120 |
| Net loans and leases to deposits | 54.4749% | 4,940 |
| Net loans and leases to core deposits | 54.9263% | 5,045 |
| Total domestic deposits to total assets | 76.7976% | 4,924 |
| Equity capital to assets | 21.8739% | 158 |
| Core capital (leverage) ratio | 21.6817% | 152 |
| Tier 1 risk-based capital ratio | 54.7166% | 104 |
| Total risk-based capital ratio | 55.7907% | 103 |
| Memoranda: | ||
| Average total assets | $63,281,250 | 4,951 |
| Average earning assets | $56,573,750 | 4,993 |
| Average equity | $13,814,750 | 3,907 |
| Average total loans | $28,282,750 | 5,116 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 5,232 |
| Cost of funding earning assets | 0.1521% | 5,326 |
| Net interest margin | 3.0526% | 4,784 |
| Noninterest income to average assets | 0.8190% | 1,501 |
| Noninterest expense to average assets | 3.3487% | 1,274 |
| Loan and lease loss provision to assets | 0.0379% | 3,254 |
| Net operating income to assets | 0.0727% | 5,515 |
| Return on assets (ROA) | 0.0727% | 5,519 |
| Pretax return on assets | 0.1613% | 5,456 |
| Return on Equity (ROE) | 0.3334% | 5,536 |
| Retained earnings to average equity (ytd only) | 0.3334% | 5,007 |
| Net charge-offs to loans | 0.0695% | 1,940 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 6.3000% | 2,723 |
| Efficiency ratio | 94.3850% | 300 |
| Assets per employee ($millions) | 3.9924% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 4,408 |
| Loan loss allowance to noncurrent loans | 223.0769% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 4,443 |
| Noncurrent loans to loans | 0.4268% | 3,485 |
| Net loans and leases to total assets | 42.5029% | 5,116 |
| Net loans and leases to deposits | 55.2245% | 4,895 |
| Net loans and leases to core deposits | 55.6775% | 5,011 |
| Total domestic deposits to total assets | 76.9639% | 4,963 |
| Equity capital to assets | 21.6209% | 153 |
| Core capital (leverage) ratio | 21.0799% | 163 |
| Tier 1 risk-based capital ratio | 54.7590% | 99 |
| Total risk-based capital ratio | 55.8143% | 98 |
| Memoranda: | ||
| Average total assets | $63,249,330 | 4,990 |
| Average earning assets | $56,542,670 | 5,033 |
| Average equity | $13,798,670 | 3,920 |
| Average total loans | $28,783,330 | 5,147 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1515% | 5,304 |
| Cost of funding earning assets | 0.1565% | 5,324 |
| Net interest margin | 2.9950% | 4,899 |
| Noninterest income to average assets | 0.7627% | 1,696 |
| Noninterest expense to average assets | 3.2859% | 1,415 |
| Loan and lease loss provision to assets | 0.0381% | 3,037 |
| Net operating income to assets | 0.0445% | 5,577 |
| Return on assets (ROA) | 0.0445% | 5,583 |
| Pretax return on assets | 0.1144% | 5,503 |
| Return on Equity (ROE) | 0.2030% | 5,593 |
| Retained earnings to average equity (ytd only) | 0.2030% | 4,869 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5638% | 328 |
| Assets per employee ($millions) | 3.9541% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,745 |
| Loan loss allowance to noncurrent loans | 109.0535% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 3,671 |
| Noncurrent loans to loans | 0.8289% | 2,381 |
| Net loans and leases to total assets | 45.9180% | 4,946 |
| Net loans and leases to deposits | 59.7540% | 4,579 |
| Net loans and leases to core deposits | 60.2497% | 4,762 |
| Total domestic deposits to total assets | 76.8450% | 5,134 |
| Equity capital to assets | 21.8067% | 149 |
| Core capital (leverage) ratio | 21.6423% | 148 |
| Tier 1 risk-based capital ratio | 51.0951% | 118 |
| Total risk-based capital ratio | 52.0958% | 119 |
| Memoranda: | ||
| Average total assets | $62,935,000 | 5,052 |
| Average earning assets | $56,226,500 | 5,094 |
| Average equity | $13,792,500 | 3,948 |
| Average total loans | $29,469,500 | 5,177 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2154% | 5,277 |
| Cost of funding earning assets | 0.1716% | 5,276 |
| Net interest margin | 3.0439% | 4,865 |
| Noninterest income to average assets | 0.8575% | 1,546 |
| Noninterest expense to average assets | 3.3165% | 1,541 |
| Loan and lease loss provision to assets | 0.0379% | 3,616 |
| Net operating income to assets | 0.1563% | 5,487 |
| Return on assets (ROA) | 0.1563% | 5,527 |
| Pretax return on assets | 0.2211% | 5,474 |
| Return on Equity (ROE) | 0.7209% | 5,600 |
| Retained earnings to average equity (ytd only) | 0.7209% | 5,039 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7562% | 431 |
| Assets per employee ($millions) | 3.9128% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,883 |
| Loan loss allowance to noncurrent loans | 102.3715% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 3,655 |
| Noncurrent loans to loans | 0.8540% | 2,394 |
| Net loans and leases to total assets | 46.9052% | 4,962 |
| Net loans and leases to deposits | 61.1784% | 4,603 |
| Net loans and leases to core deposits | 61.6925% | 4,766 |
| Total domestic deposits to total assets | 76.6696% | 5,157 |
| Equity capital to assets | 22.0254% | 147 |
| Core capital (leverage) ratio | 21.6854% | 146 |
| Tier 1 risk-based capital ratio | 51.6316% | 126 |
| Total risk-based capital ratio | 52.6201% | 125 |
| Memoranda: | ||
| Average total assets | $63,320,200 | 5,066 |
| Average earning assets | $56,540,200 | 5,117 |
| Average equity | $13,733,600 | 3,983 |
| Average total loans | $30,559,600 | 5,173 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2122% | 5,349 |
| Cost of funding earning assets | 0.1717% | 5,336 |
| Net interest margin | 3.0406% | 4,924 |
| Noninterest income to average assets | 0.8231% | 1,674 |
| Noninterest expense to average assets | 3.2987% | 1,568 |
| Loan and lease loss provision to assets | 0.0378% | 3,484 |
| Net operating income to assets | 0.1533% | 5,548 |
| Return on assets (ROA) | 0.1533% | 5,609 |
| Pretax return on assets | 0.2016% | 5,566 |
| Return on Equity (ROE) | 0.7094% | 5,681 |
| Retained earnings to average equity (ytd only) | 0.7094% | 5,174 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2344% | 417 |
| Assets per employee ($millions) | 3.9363% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 5,048 |
| Loan loss allowance to noncurrent loans | 105.4167% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 3,895 |
| Noncurrent loans to loans | 0.8045% | 2,655 |
| Net loans and leases to total assets | 46.9634% | 5,025 |
| Net loans and leases to deposits | 61.0636% | 4,683 |
| Net loans and leases to core deposits | 61.5721% | 4,854 |
| Total domestic deposits to total assets | 76.9089% | 5,109 |
| Equity capital to assets | 21.8526% | 168 |
| Core capital (leverage) ratio | 21.5800% | 147 |
| Tier 1 risk-based capital ratio | 50.4728% | 131 |
| Total risk-based capital ratio | 51.4183% | 132 |
| Memoranda: | ||
| Average total assets | $63,499,000 | 5,108 |
| Average earning assets | $56,698,500 | 5,157 |
| Average equity | $13,719,750 | 4,017 |
| Average total loans | $30,793,500 | 5,215 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2014% | 5,426 |
| Cost of funding earning assets | 0.1724% | 5,390 |
| Net interest margin | 3.0290% | 5,021 |
| Noninterest income to average assets | 0.7444% | 1,954 |
| Noninterest expense to average assets | 3.3045% | 1,584 |
| Loan and lease loss provision to assets | 0.0377% | 3,402 |
| Net operating income to assets | 0.0565% | 5,714 |
| Return on assets (ROA) | 0.0565% | 5,751 |
| Pretax return on assets | 0.1068% | 5,720 |
| Return on Equity (ROE) | 0.2627% | 5,773 |
| Retained earnings to average equity (ytd only) | 0.2627% | 5,225 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8106% | 354 |
| Assets per employee ($millions) | 4.2269% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 5,269 |
| Loan loss allowance to noncurrent loans | 98.8000% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 3,916 |
| Noncurrent loans to loans | 0.8158% | 2,705 |
| Net loans and leases to total assets | 47.9433% | 4,999 |
| Net loans and leases to deposits | 62.2132% | 4,640 |
| Net loans and leases to core deposits | 62.7267% | 4,836 |
| Total domestic deposits to total assets | 77.0630% | 5,154 |
| Equity capital to assets | 21.6201% | 165 |
| Core capital (leverage) ratio | 21.0756% | 158 |
| Tier 1 risk-based capital ratio | 49.8610% | 136 |
| Total risk-based capital ratio | 50.7767% | 135 |
| Memoranda: | ||
| Average total assets | $63,671,670 | 5,156 |
| Average earning assets | $56,850,000 | 5,205 |
| Average equity | $13,705,330 | 4,037 |
| Average total loans | $31,114,330 | 5,261 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2785% | 5,359 |
| Cost of funding earning assets | 0.1755% | 5,415 |
| Net interest margin | 3.1030% | 4,855 |
| Noninterest income to average assets | 0.8463% | 1,457 |
| Noninterest expense to average assets | 3.2975% | 1,610 |
| Loan and lease loss provision to assets | 0.0376% | 3,156 |
| Net operating income to assets | 0.1818% | 5,565 |
| Return on assets (ROA) | 0.1818% | 5,619 |
| Pretax return on assets | 0.2821% | 5,543 |
| Return on Equity (ROE) | 0.8465% | 5,717 |
| Retained earnings to average equity (ytd only) | 0.8465% | 4,886 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1612% | 600 |
| Assets per employee ($millions) | 3.7594% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 5,444 |
| Loan loss allowance to noncurrent loans | 107.5893% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 4,163 |
| Noncurrent loans to loans | 0.7144% | 3,048 |
| Net loans and leases to total assets | 48.6810% | 4,911 |
| Net loans and leases to deposits | 62.9874% | 4,509 |
| Net loans and leases to core deposits | 63.5017% | 4,726 |
| Total domestic deposits to total assets | 77.2868% | 5,249 |
| Equity capital to assets | 21.4646% | 165 |
| Core capital (leverage) ratio | 21.3123% | 155 |
| Tier 1 risk-based capital ratio | 49.9184% | 133 |
| Total risk-based capital ratio | 50.8120% | 135 |
| Memoranda: | ||
| Average total assets | $63,805,500 | 5,201 |
| Average earning assets | $56,977,000 | 5,239 |
| Average equity | $13,704,000 | 4,046 |
| Average total loans | $31,349,000 | 5,294 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 5,488 |
| Cost of funding earning assets | 0.1825% | 5,422 |
| Net interest margin | 3.0385% | 5,052 |
| Noninterest income to average assets | 0.8714% | 1,527 |
| Noninterest expense to average assets | 3.4463% | 1,396 |
| Loan and lease loss provision to assets | 0.0380% | 3,585 |
| Net operating income to assets | 0.0712% | 5,789 |
| Return on assets (ROA) | 0.0712% | 5,829 |
| Pretax return on assets | 0.0996% | 5,801 |
| Return on Equity (ROE) | 0.3292% | 5,861 |
| Retained earnings to average equity (ytd only) | 0.3292% | 5,382 |
| Net charge-offs to loans | 0.1573% | 1,806 |
| Credit loss provision to net charge-offs | 47.0588% | 3,448 |
| Earnings coverage of net charge-offs (x) | 1.7059% | 4,044 |
| Efficiency ratio | 96.1606% | 390 |
| Assets per employee ($millions) | 3.7471% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 5,538 |
| Loan loss allowance to noncurrent loans | 136.6279% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 4,515 |
| Noncurrent loans to loans | 0.5487% | 3,523 |
| Net loans and leases to total assets | 48.8375% | 4,950 |
| Net loans and leases to deposits | 63.1419% | 4,531 |
| Net loans and leases to core deposits | 63.6587% | 4,753 |
| Total domestic deposits to total assets | 77.3457% | 5,263 |
| Equity capital to assets | 21.4910% | 160 |
| Core capital (leverage) ratio | 21.3422% | 148 |
| Tier 1 risk-based capital ratio | 49.6766% | 130 |
| Total risk-based capital ratio | 50.5452% | 130 |
| Memoranda: | ||
| Average total assets | $63,228,000 | 5,236 |
| Average earning assets | $56,441,600 | 5,278 |
| Average equity | $13,667,800 | 4,019 |
| Average total loans | $32,418,000 | 5,281 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2664% | 5,473 |
| Cost of funding earning assets | 0.1822% | 5,528 |
| Net interest margin | 3.0842% | 5,002 |
| Noninterest income to average assets | 0.8768% | 1,521 |
| Noninterest expense to average assets | 3.4563% | 1,369 |
| Loan and lease loss provision to assets | 0.0380% | 3,448 |
| Net operating income to assets | 0.1077% | 5,839 |
| Return on assets (ROA) | 0.1077% | 5,877 |
| Pretax return on assets | 0.1352% | 5,862 |
| Return on Equity (ROE) | 0.4977% | 5,924 |
| Retained earnings to average equity (ytd only) | 0.4977% | 5,479 |
| Net charge-offs to loans | 0.0530% | 2,847 |
| Credit loss provision to net charge-offs | 138.4615% | 1,784 |
| Earnings coverage of net charge-offs (x) | 6.3087% | 3,066 |
| Efficiency ratio | 95.2270% | 442 |
| Assets per employee ($millions) | 3.7339% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 5,421 |
| Loan loss allowance to noncurrent loans | 369.4444% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 5,300 |
| Noncurrent loans to loans | 0.2265% | 4,752 |
| Net loans and leases to total assets | 49.6668% | 4,957 |
| Net loans and leases to deposits | 64.2831% | 4,532 |
| Net loans and leases to core deposits | 64.8117% | 4,773 |
| Total domestic deposits to total assets | 77.2626% | 5,304 |
| Equity capital to assets | 21.5747% | 170 |
| Core capital (leverage) ratio | 21.3197% | 159 |
| Tier 1 risk-based capital ratio | 49.1969% | 142 |
| Total risk-based capital ratio | 50.1701% | 141 |
| Memoranda: | ||
| Average total assets | $63,109,750 | 5,306 |
| Average earning assets | $56,329,500 | 5,354 |
| Average equity | $13,662,250 | 4,071 |
| Average total loans | $32,686,250 | 5,335 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 5,543 |
| Cost of funding earning assets | 0.1958% | 5,475 |
| Net interest margin | 3.0515% | 5,091 |
| Noninterest income to average assets | 0.8605% | 1,570 |
| Noninterest expense to average assets | 3.4832% | 1,328 |
| Loan and lease loss provision to assets | 0.0381% | 3,356 |
| Net operating income to assets | 0.0159% | 5,974 |
| Return on assets (ROA) | 0.0159% | 6,010 |
| Pretax return on assets | 0.0603% | 5,966 |
| Return on Equity (ROE) | 0.0733% | 6,016 |
| Retained earnings to average equity (ytd only) | 0.0733% | 5,481 |
| Net charge-offs to loans | 0.0788% | 2,262 |
| Credit loss provision to net charge-offs | 92.3077% | 2,167 |
| Earnings coverage of net charge-offs (x) | 2.3846% | 3,351 |
| Efficiency ratio | 97.2518% | 399 |
| Assets per employee ($millions) | 3.7269% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 5,594 |
| Loan loss allowance to noncurrent loans | 187.0504% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 4,989 |
| Noncurrent loans to loans | 0.4294% | 4,191 |
| Net loans and leases to total assets | 50.6834% | 4,872 |
| Net loans and leases to deposits | 65.6848% | 4,366 |
| Net loans and leases to core deposits | 66.2267% | 4,635 |
| Total domestic deposits to total assets | 77.1615% | 5,434 |
| Equity capital to assets | 21.5427% | 165 |
| Core capital (leverage) ratio | 21.0933% | 164 |
| Tier 1 risk-based capital ratio | 47.7078% | 168 |
| Total risk-based capital ratio | 48.6339% | 170 |
| Memoranda: | ||
| Average total assets | $62,987,330 | 5,372 |
| Average earning assets | $56,168,670 | 5,409 |
| Average equity | $13,651,330 | 4,102 |
| Average total loans | $32,984,000 | 5,372 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 5,375 |
| Cost of funding earning assets | 0.1858% | 5,638 |
| Net interest margin | 3.1443% | 4,803 |
| Noninterest income to average assets | 0.8662% | 1,513 |
| Noninterest expense to average assets | 3.4075% | 1,477 |
| Loan and lease loss provision to assets | 0.0382% | 3,143 |
| Net operating income to assets | 0.1083% | 5,857 |
| Return on assets (ROA) | 0.1083% | 5,916 |
| Pretax return on assets | 0.2229% | 5,799 |
| Return on Equity (ROE) | 0.4981% | 5,988 |
| Retained earnings to average equity (ytd only) | 0.4981% | 5,223 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8819% | 658 |
| Assets per employee ($millions) | 3.7006% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 5,614 |
| Loan loss allowance to noncurrent loans | 190.0709% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 5,039 |
| Noncurrent loans to loans | 0.4381% | 4,287 |
| Net loans and leases to total assets | 50.7288% | 4,776 |
| Net loans and leases to deposits | 65.8441% | 4,167 |
| Net loans and leases to core deposits | 66.3921% | 4,484 |
| Total domestic deposits to total assets | 77.0438% | 5,604 |
| Equity capital to assets | 21.7148% | 157 |
| Core capital (leverage) ratio | 21.3431% | 156 |
| Tier 1 risk-based capital ratio | 47.2647% | 166 |
| Total risk-based capital ratio | 48.2094% | 168 |
| Memoranda: | ||
| Average total assets | $62,802,000 | 5,431 |
| Average earning assets | $55,974,500 | 5,465 |
| Average equity | $13,652,500 | 4,130 |
| Average total loans | $33,290,000 | 5,394 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3970% | 5,537 |
| Cost of funding earning assets | 0.2076% | 5,682 |
| Net interest margin | 3.1894% | 4,960 |
| Noninterest income to average assets | 0.7372% | 2,134 |
| Noninterest expense to average assets | 3.3978% | 1,702 |
| Loan and lease loss provision to assets | 0.0579% | 3,382 |
| Net operating income to assets | 0.1033% | 5,951 |
| Return on assets (ROA) | 0.1033% | 5,983 |
| Pretax return on assets | 0.1424% | 5,950 |
| Return on Equity (ROE) | 0.4856% | 6,041 |
| Retained earnings to average equity (ytd only) | 0.4856% | 5,559 |
| Net charge-offs to loans | 0.1985% | 2,078 |
| Credit loss provision to net charge-offs | 51.3889% | 3,454 |
| Earnings coverage of net charge-offs (x) | 1.7778% | 4,334 |
| Efficiency ratio | 94.4324% | 575 |
| Assets per employee ($millions) | 3.6878% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 5,861 |
| Loan loss allowance to noncurrent loans | 93.2384% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 4,322 |
| Noncurrent loans to loans | 0.8169% | 3,275 |
| Net loans and leases to total assets | 54.4495% | 4,521 |
| Net loans and leases to deposits | 70.6530% | 3,822 |
| Net loans and leases to core deposits | 71.2428% | 4,195 |
| Total domestic deposits to total assets | 77.0660% | 5,591 |
| Equity capital to assets | 21.7632% | 159 |
| Core capital (leverage) ratio | 21.7632% | 143 |
| Tier 1 risk-based capital ratio | 44.7961% | 180 |
| Total risk-based capital ratio | 45.6563% | 182 |
| Memoranda: | ||
| Average total assets | $63,894,600 | 5,451 |
| Average earning assets | $57,315,000 | 5,474 |
| Average equity | $13,592,800 | 4,091 |
| Average total loans | $36,267,200 | 5,321 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 5,584 |
| Cost of funding earning assets | 0.2149% | 5,716 |
| Net interest margin | 3.1914% | 4,997 |
| Noninterest income to average assets | 0.6833% | 2,412 |
| Noninterest expense to average assets | 3.4187% | 1,618 |
| Loan and lease loss provision to assets | 0.0644% | 3,061 |
| Net operating income to assets | 0.0582% | 6,075 |
| Return on assets (ROA) | 0.0582% | 6,104 |
| Pretax return on assets | 0.0685% | 6,096 |
| Return on Equity (ROE) | 0.2749% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.2749% | 5,723 |
| Net charge-offs to loans | 0.2613% | 1,492 |
| Credit loss provision to net charge-offs | 43.0556% | 3,240 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 4,287 |
| Efficiency ratio | 96.2573% | 496 |
| Assets per employee ($millions) | 3.7503% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 6,060 |
| Loan loss allowance to noncurrent loans | 80.7571% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 4,394 |
| Noncurrent loans to loans | 0.8924% | 3,337 |
| Net loans and leases to total assets | 55.3180% | 4,420 |
| Net loans and leases to deposits | 71.3321% | 3,760 |
| Net loans and leases to core deposits | 72.1685% | 4,138 |
| Total domestic deposits to total assets | 77.5500% | 5,600 |
| Equity capital to assets | 21.3426% | 178 |
| Core capital (leverage) ratio | 21.3426% | 163 |
| Tier 1 risk-based capital ratio | 44.1213% | 187 |
| Total risk-based capital ratio | 44.9514% | 188 |
| Memoranda: | ||
| Average total assets | $64,195,000 | 5,506 |
| Average earning assets | $57,694,750 | 5,521 |
| Average equity | $13,580,000 | 4,114 |
| Average total loans | $36,734,500 | 5,355 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 5,577 |
| Cost of funding earning assets | 0.2180% | 5,766 |
| Net interest margin | 3.2040% | 4,934 |
| Noninterest income to average assets | 0.5751% | 2,959 |
| Noninterest expense to average assets | 3.3851% | 1,711 |
| Loan and lease loss provision to assets | 0.0373% | 3,548 |
| Net operating income to assets | 0.0435% | 6,143 |
| Return on assets (ROA) | 0.0435% | 6,169 |
| Pretax return on assets | 0.0311% | 6,171 |
| Return on Equity (ROE) | 0.2063% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.2063% | 5,631 |
| Net charge-offs to loans | 0.3177% | 1,273 |
| Credit loss provision to net charge-offs | 20.3390% | 3,196 |
| Earnings coverage of net charge-offs (x) | 0.3729% | 4,056 |
| Efficiency ratio | 98.0198% | 466 |
| Assets per employee ($millions) | 3.7654% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 6,198 |
| Loan loss allowance to noncurrent loans | 79.1139% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 4,126 |
| Noncurrent loans to loans | 0.8652% | 3,540 |
| Net loans and leases to total assets | 56.6644% | 4,164 |
| Net loans and leases to deposits | 73.0083% | 3,448 |
| Net loans and leases to core deposits | 73.8602% | 3,854 |
| Total domestic deposits to total assets | 77.6136% | 5,704 |
| Equity capital to assets | 21.2335% | 170 |
| Core capital (leverage) ratio | 21.2335% | 154 |
| Tier 1 risk-based capital ratio | 43.2371% | 200 |
| Total risk-based capital ratio | 44.0323% | 201 |
| Memoranda: | ||
| Average total assets | $64,341,670 | 5,551 |
| Average earning assets | $57,802,330 | 5,563 |
| Average equity | $13,571,000 | 4,122 |
| Average total loans | $37,138,000 | 5,370 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 5,612 |
| Cost of funding earning assets | 0.2277% | 5,772 |
| Net interest margin | 3.1881% | 4,956 |
| Noninterest income to average assets | 0.2294% | 5,520 |
| Noninterest expense to average assets | 3.3609% | 1,805 |
| Loan and lease loss provision to assets | 0.0372% | 3,316 |
| Net operating income to assets | -0.2170% | 6,364 |
| Return on assets (ROA) | -0.2170% | 6,368 |
| Pretax return on assets | -0.3038% | 6,393 |
| Return on Equity (ROE) | -1.0324% | 6,301 |
| Retained earnings to average equity (ytd only) | -1.0324% | 5,729 |
| Net charge-offs to loans | 0.6302% | 588 |
| Credit loss provision to net charge-offs | 10.1695% | 2,603 |
| Earnings coverage of net charge-offs (x) | -0.7288% | 3,499 |
| Efficiency ratio | 108.6172% | 290 |
| Assets per employee ($millions) | 3.8011% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6590% | 6,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 5,886 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 56.9176% | 4,012 |
| Net loans and leases to deposits | 72.9843% | 3,204 |
| Net loans and leases to core deposits | 73.8238% | 3,666 |
| Total domestic deposits to total assets | 77.9860% | 5,838 |
| Equity capital to assets | 20.9586% | 174 |
| Core capital (leverage) ratio | 20.9586% | 163 |
| Tier 1 risk-based capital ratio | 42.6659% | 202 |
| Total risk-based capital ratio | 43.4346% | 204 |
| Memoranda: | ||
| Average total assets | $64,506,500 | 5,611 |
| Average earning assets | $57,965,000 | 5,611 |
| Average equity | $13,560,500 | 4,139 |
| Average total loans | $37,446,000 | 5,409 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 5,683 |
| Cost of funding earning assets | 0.2455% | 5,997 |
| Net interest margin | 3.2345% | 4,877 |
| Noninterest income to average assets | 0.7107% | 2,483 |
| Noninterest expense to average assets | 3.4339% | 1,809 |
| Loan and lease loss provision to assets | 0.0372% | 4,370 |
| Net operating income to assets | 0.1195% | 6,002 |
| Return on assets (ROA) | 0.1195% | 6,064 |
| Pretax return on assets | 0.1428% | 6,025 |
| Return on Equity (ROE) | 0.5686% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.5686% | 5,589 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0193% | 697 |
| Assets per employee ($millions) | 3.7879% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 6,206 |
| Loan loss allowance to noncurrent loans | 102.7682% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 4,252 |
| Noncurrent loans to loans | 0.7632% | 4,058 |
| Net loans and leases to total assets | 58.3461% | 3,973 |
| Net loans and leases to deposits | 74.9163% | 3,112 |
| Net loans and leases to core deposits | 75.7821% | 3,628 |
| Total domestic deposits to total assets | 77.8818% | 5,845 |
| Equity capital to assets | 21.0855% | 164 |
| Core capital (leverage) ratio | 21.0855% | 157 |
| Tier 1 risk-based capital ratio | 41.8325% | 203 |
| Total risk-based capital ratio | 42.7476% | 204 |
| Memoranda: | ||
| Average total assets | $64,446,200 | 5,639 |
| Average earning assets | $57,845,600 | 5,659 |
| Average equity | $13,542,800 | 4,157 |
| Average total loans | $35,772,000 | 5,502 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 5,700 |
| Cost of funding earning assets | 0.2489% | 6,094 |
| Net interest margin | 3.2450% | 4,849 |
| Noninterest income to average assets | 0.7053% | 2,574 |
| Noninterest expense to average assets | 3.4315% | 1,757 |
| Loan and lease loss provision to assets | 0.0372% | 4,267 |
| Net operating income to assets | 0.1220% | 6,094 |
| Return on assets (ROA) | 0.1220% | 6,163 |
| Pretax return on assets | 0.1489% | 6,138 |
| Return on Equity (ROE) | 0.5812% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.5812% | 5,735 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8542% | 686 |
| Assets per employee ($millions) | 3.8024% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 6,320 |
| Loan loss allowance to noncurrent loans | 7,275.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 5,634 |
| Noncurrent loans to loans | 0.0107% | 6,337 |
| Net loans and leases to total assets | 57.2695% | 4,125 |
| Net loans and leases to deposits | 73.4315% | 3,328 |
| Net loans and leases to core deposits | 74.2757% | 3,808 |
| Total domestic deposits to total assets | 77.9904% | 5,907 |
| Equity capital to assets | 20.9777% | 178 |
| Core capital (leverage) ratio | 20.9777% | 163 |
| Tier 1 risk-based capital ratio | 42.8274% | 203 |
| Total risk-based capital ratio | 43.7464% | 208 |
| Memoranda: | ||
| Average total assets | $64,459,000 | 5,697 |
| Average earning assets | $57,852,250 | 5,720 |
| Average equity | $13,534,000 | 4,203 |
| Average total loans | $35,247,750 | 5,574 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 5,736 |
| Cost of funding earning assets | 0.2527% | 6,162 |
| Net interest margin | 3.2258% | 4,854 |
| Noninterest income to average assets | 0.7733% | 2,307 |
| Noninterest expense to average assets | 3.4100% | 1,798 |
| Loan and lease loss provision to assets | 0.0373% | 4,203 |
| Net operating income to assets | 0.1491% | 6,028 |
| Return on assets (ROA) | 0.1491% | 6,133 |
| Pretax return on assets | 0.2205% | 6,049 |
| Return on Equity (ROE) | 0.7098% | 6,273 |
| Retained earnings to average equity (ytd only) | 0.7098% | 5,615 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9721% | 820 |
| Assets per employee ($millions) | 3.8088% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 6,397 |
| Loan loss allowance to noncurrent loans | 331.3953% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 5,269 |
| Noncurrent loans to loans | 0.2347% | 5,720 |
| Net loans and leases to total assets | 56.1544% | 4,257 |
| Net loans and leases to deposits | 72.0728% | 3,440 |
| Net loans and leases to core deposits | 72.9008% | 3,946 |
| Total domestic deposits to total assets | 77.9135% | 5,993 |
| Equity capital to assets | 20.9251% | 168 |
| Core capital (leverage) ratio | 20.9251% | 150 |
| Tier 1 risk-based capital ratio | 43.7855% | 183 |
| Total risk-based capital ratio | 44.7066% | 184 |
| Memoranda: | ||
| Average total assets | $64,398,670 | 5,738 |
| Average earning assets | $57,784,330 | 5,753 |
| Average equity | $13,525,330 | 4,235 |
| Average total loans | $34,560,330 | 5,636 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 5,821 |
| Cost of funding earning assets | 0.2567% | 6,241 |
| Net interest margin | 3.1983% | 4,941 |
| Noninterest income to average assets | 0.7785% | 2,221 |
| Noninterest expense to average assets | 3.3757% | 1,883 |
| Loan and lease loss provision to assets | 0.0374% | 3,965 |
| Net operating income to assets | 0.1557% | 6,021 |
| Return on assets (ROA) | 0.1557% | 6,117 |
| Pretax return on assets | 0.2367% | 6,004 |
| Return on Equity (ROE) | 0.7400% | 6,271 |
| Retained earnings to average equity (ytd only) | 0.7400% | 5,535 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4915% | 946 |
| Assets per employee ($millions) | 3.7935% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 6,433 |
| Loan loss allowance to noncurrent loans | 930.0000% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 5,623 |
| Noncurrent loans to loans | 0.0878% | 6,217 |
| Net loans and leases to total assets | 52.5811% | 4,614 |
| Net loans and leases to deposits | 67.4981% | 3,838 |
| Net loans and leases to core deposits | 68.2768% | 4,266 |
| Total domestic deposits to total assets | 77.9001% | 6,122 |
| Equity capital to assets | 20.9741% | 179 |
| Core capital (leverage) ratio | 20.9741% | 158 |
| Tier 1 risk-based capital ratio | 45.2965% | 164 |
| Total risk-based capital ratio | 46.2309% | 168 |
| Memoranda: | ||
| Average total assets | $64,223,000 | 5,797 |
| Average earning assets | $57,656,000 | 5,809 |
| Average equity | $13,513,500 | 4,283 |
| Average total loans | $33,518,000 | 5,725 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 6,145 |
| Cost of funding earning assets | 0.3596% | 6,163 |
| Net interest margin | 3.2811% | 5,317 |
| Noninterest income to average assets | 0.9999% | 1,532 |
| Noninterest expense to average assets | 3.3780% | 2,110 |
| Loan and lease loss provision to assets | 0.0369% | 5,421 |
| Net operating income to assets | 0.3599% | 5,251 |
| Return on assets (ROA) | 0.3599% | 5,478 |
| Pretax return on assets | 0.5322% | 5,188 |
| Return on Equity (ROE) | 1.7472% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.7472% | 4,984 |
| Net charge-offs to loans | 0.1026% | 4,642 |
| Credit loss provision to net charge-offs | 70.5882% | 4,138 |
| Earnings coverage of net charge-offs (x) | 10.8824% | 2,093 |
| Efficiency ratio | 85.5807% | 1,469 |
| Assets per employee ($millions) | 3.7622% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 6,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 5,872 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.9327% | 5,047 |
| Net loans and leases to deposits | 65.4919% | 4,358 |
| Net loans and leases to core deposits | 66.2551% | 4,715 |
| Total domestic deposits to total assets | 77.7694% | 6,115 |
| Equity capital to assets | 21.1095% | 180 |
| Core capital (leverage) ratio | 21.1095% | 159 |
| Tier 1 risk-based capital ratio | 47.4252% | 152 |
| Total risk-based capital ratio | 48.3842% | 154 |
| Memoranda: | ||
| Average total assets | $65,009,400 | 5,784 |
| Average earning assets | $58,395,200 | 5,801 |
| Average equity | $13,393,000 | 4,274 |
| Average total loans | $33,125,200 | 5,796 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 6,293 |
| Cost of funding earning assets | 0.3820% | 6,215 |
| Net interest margin | 3.2812% | 5,450 |
| Noninterest income to average assets | 1.0458% | 1,384 |
| Noninterest expense to average assets | 3.3765% | 2,065 |
| Loan and lease loss provision to assets | 0.0368% | 5,315 |
| Net operating income to assets | 0.3983% | 5,254 |
| Return on assets (ROA) | 0.3983% | 5,472 |
| Pretax return on assets | 0.5801% | 5,232 |
| Return on Equity (ROE) | 1.9452% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.9452% | 5,356 |
| Net charge-offs to loans | 0.1085% | 4,307 |
| Credit loss provision to net charge-offs | 66.6667% | 3,990 |
| Earnings coverage of net charge-offs (x) | 11.1850% | 2,098 |
| Efficiency ratio | 84.5524% | 1,526 |
| Assets per employee ($millions) | 4.0315% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,519 |
| Loan loss allowance to noncurrent loans | 397.1014% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 5,717 |
| Noncurrent loans to loans | 0.2128% | 6,074 |
| Net loans and leases to total assets | 49.8481% | 5,326 |
| Net loans and leases to deposits | 63.9156% | 4,722 |
| Net loans and leases to core deposits | 64.6519% | 5,086 |
| Total domestic deposits to total assets | 77.9905% | 6,077 |
| Equity capital to assets | 20.8716% | 209 |
| Core capital (leverage) ratio | 20.8716% | 175 |
| Tier 1 risk-based capital ratio | 47.4149% | 151 |
| Total risk-based capital ratio | 48.3799% | 152 |
| Memoranda: | ||
| Average total assets | $65,272,500 | 5,839 |
| Average earning assets | $58,636,000 | 5,856 |
| Average equity | $13,366,000 | 4,326 |
| Average total loans | $33,194,500 | 5,860 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 6,322 |
| Cost of funding earning assets | 0.4008% | 6,263 |
| Net interest margin | 3.3053% | 5,422 |
| Noninterest income to average assets | 0.9584% | 1,586 |
| Noninterest expense to average assets | 3.2444% | 2,455 |
| Loan and lease loss provision to assets | 0.0366% | 5,217 |
| Net operating income to assets | 0.3815% | 5,288 |
| Return on assets (ROA) | 0.3815% | 5,521 |
| Pretax return on assets | 0.6470% | 4,974 |
| Return on Equity (ROE) | 1.8750% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.8750% | 5,266 |
| Net charge-offs to loans | 0.0598% | 4,585 |
| Credit loss provision to net charge-offs | 120.0000% | 2,288 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,302 |
| Efficiency ratio | 82.5952% | 1,799 |
| Assets per employee ($millions) | 4.0465% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,484 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 5,806 |
| Noncurrent loans to loans | 0.3563% | 5,831 |
| Net loans and leases to total assets | 48.9775% | 5,489 |
| Net loans and leases to deposits | 62.6866% | 4,917 |
| Net loans and leases to core deposits | 63.8015% | 5,232 |
| Total domestic deposits to total assets | 78.1308% | 6,133 |
| Equity capital to assets | 20.6845% | 214 |
| Core capital (leverage) ratio | 20.6845% | 175 |
| Tier 1 risk-based capital ratio | 47.6228% | 145 |
| Total risk-based capital ratio | 48.6363% | 145 |
| Memoranda: | ||
| Average total assets | $65,528,670 | 5,861 |
| Average earning assets | $58,875,000 | 5,874 |
| Average equity | $13,333,670 | 4,334 |
| Average total loans | $33,450,000 | 5,894 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 6,222 |
| Cost of funding earning assets | 0.4459% | 6,171 |
| Net interest margin | 3.3642% | 5,251 |
| Noninterest income to average assets | 0.9769% | 1,491 |
| Noninterest expense to average assets | 3.1614% | 2,732 |
| Loan and lease loss provision to assets | 0.0364% | 4,925 |
| Net operating income to assets | 0.4612% | 4,990 |
| Return on assets (ROA) | 0.4612% | 5,188 |
| Pretax return on assets | 0.8010% | 4,410 |
| Return on Equity (ROE) | 2.2849% | 5,976 |
| Retained earnings to average equity (ytd only) | 2.2849% | 5,117 |
| Net charge-offs to loans | 0.1170% | 3,415 |
| Credit loss provision to net charge-offs | 60.0000% | 3,112 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,510 |
| Efficiency ratio | 79.0592% | 2,339 |
| Assets per employee ($millions) | 4.1046% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 6,657 |
| Loan loss allowance to noncurrent loans | 320.6897% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 5,408 |
| Noncurrent loans to loans | 0.2629% | 6,158 |
| Net loans and leases to total assets | 49.9619% | 5,312 |
| Net loans and leases to deposits | 63.5855% | 4,693 |
| Net loans and leases to core deposits | 64.6937% | 5,042 |
| Total domestic deposits to total assets | 78.5745% | 6,170 |
| Equity capital to assets | 20.3155% | 213 |
| Core capital (leverage) ratio | 20.3155% | 186 |
| Tier 1 risk-based capital ratio | 41.3155% | 209 |
| Total risk-based capital ratio | 42.1794% | 212 |
| Memoranda: | ||
| Average total assets | $65,921,000 | 5,892 |
| Average earning assets | $59,211,500 | 5,900 |
| Average equity | $13,304,500 | 4,350 |
| Average total loans | $34,177,500 | 5,910 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 6,570 |
| Cost of funding earning assets | 0.6905% | 5,605 |
| Net interest margin | 3.2425% | 5,978 |
| Noninterest income to average assets | 0.7691% | 2,239 |
| Noninterest expense to average assets | 3.1424% | 3,054 |
| Loan and lease loss provision to assets | 0.0360% | 6,118 |
| Net operating income to assets | 0.3778% | 4,958 |
| Return on assets (ROA) | 0.3778% | 5,134 |
| Pretax return on assets | 0.5052% | 4,976 |
| Return on Equity (ROE) | 1.9195% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.9195% | 4,841 |
| Net charge-offs to loans | 0.0384% | 5,925 |
| Credit loss provision to net charge-offs | 171.4286% | 1,559 |
| Earnings coverage of net charge-offs (x) | 25.7857% | 964 |
| Efficiency ratio | 85.3073% | 1,644 |
| Assets per employee ($millions) | 4.7263% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 6,729 |
| Loan loss allowance to noncurrent loans | 157.2222% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 5,454 |
| Noncurrent loans to loans | 0.5104% | 5,689 |
| Net loans and leases to total assets | 52.8669% | 5,184 |
| Net loans and leases to deposits | 66.9685% | 4,585 |
| Net loans and leases to core deposits | 68.1214% | 5,011 |
| Total domestic deposits to total assets | 78.9430% | 6,006 |
| Equity capital to assets | 20.0505% | 231 |
| Core capital (leverage) ratio | 20.0505% | 200 |
| Tier 1 risk-based capital ratio | 27.1442% | 702 |
| Total risk-based capital ratio | 27.7232% | 727 |
| Memoranda: | ||
| Average total assets | $66,700,800 | 5,850 |
| Average earning assets | $59,953,400 | 5,868 |
| Average equity | $13,128,400 | 4,315 |
| Average total loans | $36,441,800 | 5,848 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 6,590 |
| Cost of funding earning assets | 0.7323% | 5,579 |
| Net interest margin | 3.2667% | 5,962 |
| Noninterest income to average assets | 0.7281% | 2,429 |
| Noninterest expense to average assets | 3.1420% | 3,016 |
| Loan and lease loss provision to assets | 0.0359% | 5,989 |
| Net operating income to assets | 0.3910% | 5,040 |
| Return on assets (ROA) | 0.3910% | 5,225 |
| Pretax return on assets | 0.4868% | 5,201 |
| Return on Equity (ROE) | 1.9958% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.9958% | 5,137 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7376% | 1,564 |
| Assets per employee ($millions) | 4.7716% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 6,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 6,096 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.0919% | 5,306 |
| Net loans and leases to deposits | 67.0695% | 4,752 |
| Net loans and leases to core deposits | 68.5949% | 5,107 |
| Total domestic deposits to total assets | 79.1596% | 5,958 |
| Equity capital to assets | 19.7761% | 256 |
| Core capital (leverage) ratio | 19.7761% | 226 |
| Tier 1 risk-based capital ratio | 28.5619% | 618 |
| Total risk-based capital ratio | 29.1910% | 646 |
| Memoranda: | ||
| Average total assets | $66,834,000 | 5,883 |
| Average earning assets | $60,080,250 | 5,904 |
| Average equity | $13,093,750 | 4,331 |
| Average total loans | $36,736,250 | 5,886 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 6,620 |
| Cost of funding earning assets | 0.7690% | 5,566 |
| Net interest margin | 3.2589% | 5,978 |
| Noninterest income to average assets | 0.6253% | 2,977 |
| Noninterest expense to average assets | 3.1297% | 3,144 |
| Loan and lease loss provision to assets | 0.0359% | 5,868 |
| Net operating income to assets | 0.2334% | 5,620 |
| Return on assets (ROA) | 0.2334% | 5,737 |
| Pretax return on assets | 0.3890% | 5,425 |
| Return on Equity (ROE) | 1.1950% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.1950% | 5,380 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0471% | 1,410 |
| Assets per employee ($millions) | 4.7496% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 6,894 |
| Loan loss allowance to noncurrent loans | 2,590.9091% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 6,912 |
| Noncurrent loans to loans | 0.0304% | 6,908 |
| Net loans and leases to total assets | 54.0395% | 5,292 |
| Net loans and leases to deposits | 68.3449% | 4,654 |
| Net loans and leases to core deposits | 69.9058% | 5,085 |
| Total domestic deposits to total assets | 79.0688% | 6,067 |
| Equity capital to assets | 19.6905% | 279 |
| Core capital (leverage) ratio | 19.6905% | 242 |
| Tier 1 risk-based capital ratio | 29.1163% | 589 |
| Total risk-based capital ratio | 29.7500% | 609 |
| Memoranda: | ||
| Average total assets | $66,844,330 | 5,932 |
| Average earning assets | $60,081,330 | 5,955 |
| Average equity | $13,054,670 | 4,329 |
| Average total loans | $37,062,330 | 5,933 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 6,498 |
| Cost of funding earning assets | 0.8108% | 5,522 |
| Net interest margin | 3.2896% | 5,817 |
| Noninterest income to average assets | 0.5849% | 3,270 |
| Noninterest expense to average assets | 3.1394% | 3,110 |
| Loan and lease loss provision to assets | 0.0358% | 5,533 |
| Net operating income to assets | 0.2149% | 5,734 |
| Return on assets (ROA) | 0.2149% | 5,797 |
| Pretax return on assets | 0.3641% | 5,456 |
| Return on Equity (ROE) | 1.1047% | 6,101 |
| Retained earnings to average equity (ytd only) | 1.1047% | 5,383 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7015% | 1,442 |
| Assets per employee ($millions) | 4.7751% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 7,000 |
| Loan loss allowance to noncurrent loans | 775.0000% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 7,000 |
| Noncurrent loans to loans | 0.0972% | 6,800 |
| Net loans and leases to total assets | 54.9954% | 5,159 |
| Net loans and leases to deposits | 69.3104% | 4,467 |
| Net loans and leases to core deposits | 71.4286% | 4,866 |
| Total domestic deposits to total assets | 79.3466% | 6,105 |
| Equity capital to assets | 19.5255% | 279 |
| Core capital (leverage) ratio | 19.5255% | 251 |
| Tier 1 risk-based capital ratio | 28.1097% | 626 |
| Total risk-based capital ratio | 28.7105% | 656 |
| Memoranda: | ||
| Average total assets | $67,019,500 | 5,968 |
| Average earning assets | $60,190,000 | 5,991 |
| Average equity | $13,035,500 | 4,335 |
| Average total loans | $37,484,500 | 5,966 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 6,631 |
| Cost of funding earning assets | 1.0703% | 5,309 |
| Net interest margin | 3.3198% | 5,910 |
| Noninterest income to average assets | 0.7117% | 2,776 |
| Noninterest expense to average assets | 3.0737% | 3,576 |
| Loan and lease loss provision to assets | 0.0250% | 6,870 |
| Net operating income to assets | 0.3669% | 4,688 |
| Return on assets (ROA) | 0.3669% | 4,839 |
| Pretax return on assets | 0.5791% | 4,388 |
| Return on Equity (ROE) | 1.9338% | 5,406 |
| Retained earnings to average equity (ytd only) | 1.9338% | 4,511 |
| Net charge-offs to loans | 0.1507% | 5,447 |
| Credit loss provision to net charge-offs | 29.3103% | 6,498 |
| Earnings coverage of net charge-offs (x) | 7.0690% | 2,205 |
| Efficiency ratio | 83.5737% | 1,973 |
| Assets per employee ($millions) | 4.4792% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 7,110 |
| Loan loss allowance to noncurrent loans | 115.6780% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 6,361 |
| Noncurrent loans to loans | 0.6223% | 5,809 |
| Net loans and leases to total assets | 56.0398% | 5,341 |
| Net loans and leases to deposits | 70.4289% | 4,761 |
| Net loans and leases to core deposits | 72.5598% | 5,156 |
| Total domestic deposits to total assets | 79.5693% | 5,947 |
| Equity capital to assets | 19.3755% | 300 |
| Core capital (leverage) ratio | 19.3755% | 269 |
| Tier 1 risk-based capital ratio | 27.7362% | 633 |
| Total risk-based capital ratio | 28.3179% | 665 |
| Memoranda: | ||
| Average total assets | $67,865,000 | 5,937 |
| Average earning assets | $60,637,000 | 5,975 |
| Average equity | $12,876,000 | 4,382 |
| Average total loans | $38,487,800 | 5,987 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 6,827 |
| Cost of funding earning assets | 1.1180% | 5,327 |
| Net interest margin | 3.2749% | 6,096 |
| Noninterest income to average assets | 0.6408% | 3,179 |
| Noninterest expense to average assets | 3.0337% | 3,632 |
| Loan and lease loss provision to assets | 0.0216% | 6,843 |
| Net operating income to assets | 0.3410% | 5,000 |
| Return on assets (ROA) | 0.3410% | 5,177 |
| Pretax return on assets | 0.5076% | 4,902 |
| Return on Equity (ROE) | 1.8067% | 5,676 |
| Retained earnings to average equity (ytd only) | 1.8067% | 5,059 |
| Net charge-offs to loans | 0.2002% | 4,745 |
| Credit loss provision to net charge-offs | 18.9655% | 6,257 |
| Earnings coverage of net charge-offs (x) | 4.6552% | 2,961 |
| Efficiency ratio | 85.1485% | 1,716 |
| Assets per employee ($millions) | 4.8222% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 7,171 |
| Loan loss allowance to noncurrent loans | 64.0288% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 5,872 |
| Noncurrent loans to loans | 1.1181% | 5,009 |
| Net loans and leases to total assets | 54.8474% | 5,725 |
| Net loans and leases to deposits | 68.7346% | 5,321 |
| Net loans and leases to core deposits | 71.3064% | 5,599 |
| Total domestic deposits to total assets | 79.7959% | 5,773 |
| Equity capital to assets | 19.1702% | 340 |
| Core capital (leverage) ratio | 19.1702% | 289 |
| Tier 1 risk-based capital ratio | 27.9972% | 629 |
| Total risk-based capital ratio | 28.5748% | 662 |
| Memoranda: | ||
| Average total assets | $68,034,250 | 6,000 |
| Average earning assets | $60,702,750 | 6,037 |
| Average equity | $12,840,500 | 4,469 |
| Average total loans | $38,628,500 | 6,063 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 6,813 |
| Cost of funding earning assets | 1.1627% | 5,330 |
| Net interest margin | 3.2839% | 6,070 |
| Noninterest income to average assets | 0.5454% | 3,746 |
| Noninterest expense to average assets | 3.0172% | 3,643 |
| Loan and lease loss provision to assets | 0.0147% | 6,770 |
| Net operating income to assets | 0.2522% | 5,367 |
| Return on assets (ROA) | 0.2522% | 5,505 |
| Pretax return on assets | 0.4369% | 5,103 |
| Return on Equity (ROE) | 1.3431% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.3431% | 5,213 |
| Net charge-offs to loans | 0.2969% | 3,839 |
| Credit loss provision to net charge-offs | 8.6207% | 5,953 |
| Earnings coverage of net charge-offs (x) | 2.6552% | 3,670 |
| Efficiency ratio | 86.9822% | 1,604 |
| Assets per employee ($millions) | 4.8719% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6800% | 7,287 |
| Loan loss allowance to noncurrent loans | 77.4481% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 6,196 |
| Noncurrent loans to loans | 0.8779% | 5,515 |
| Net loans and leases to total assets | 55.8946% | 5,720 |
| Net loans and leases to deposits | 69.8434% | 5,305 |
| Net loans and leases to core deposits | 72.4158% | 5,630 |
| Total domestic deposits to total assets | 80.0284% | 5,716 |
| Equity capital to assets | 18.8456% | 353 |
| Core capital (leverage) ratio | 18.8456% | 300 |
| Tier 1 risk-based capital ratio | 25.6608% | 796 |
| Total risk-based capital ratio | 26.1818% | 833 |
| Memoranda: | ||
| Average total assets | $68,208,670 | 6,031 |
| Average earning assets | $60,721,000 | 6,075 |
| Average equity | $12,806,670 | 4,480 |
| Average total loans | $39,073,000 | 6,082 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 6,786 |
| Cost of funding earning assets | 1.2416% | 5,165 |
| Net interest margin | 3.2601% | 6,096 |
| Noninterest income to average assets | 0.5043% | 4,022 |
| Noninterest expense to average assets | 3.0612% | 3,428 |
| Loan and lease loss provision to assets | 0.0117% | 6,499 |
| Net operating income to assets | 0.1818% | 5,748 |
| Return on assets (ROA) | 0.1818% | 5,875 |
| Pretax return on assets | 0.3108% | 5,571 |
| Return on Equity (ROE) | 0.9700% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.9700% | 5,428 |
| Net charge-offs to loans | 0.5886% | 2,334 |
| Credit loss provision to net charge-offs | 3.4483% | 5,099 |
| Earnings coverage of net charge-offs (x) | 0.9483% | 4,200 |
| Efficiency ratio | 90.4679% | 1,394 |
| Assets per employee ($millions) | 4.8509% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 7,409 |
| Loan loss allowance to noncurrent loans | 173.1544% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 6,882 |
| Noncurrent loans to loans | 0.3833% | 6,514 |
| Net loans and leases to total assets | 56.8595% | 5,633 |
| Net loans and leases to deposits | 70.9978% | 5,201 |
| Net loans and leases to core deposits | 73.6155% | 5,533 |
| Total domestic deposits to total assets | 80.0863% | 5,754 |
| Equity capital to assets | 18.8462% | 350 |
| Core capital (leverage) ratio | 18.8462% | 315 |
| Tier 1 risk-based capital ratio | 27.4486% | 677 |
| Total risk-based capital ratio | 28.0019% | 710 |
| Memoranda: | ||
| Average total assets | $68,209,500 | 6,101 |
| Average earning assets | $60,244,000 | 6,160 |
| Average equity | $12,783,000 | 4,527 |
| Average total loans | $39,417,000 | 6,151 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 5,419 |
| Cost of funding earning assets | 1.6425% | 4,835 |
| Net interest margin | 3.6065% | 4,528 |
| Noninterest income to average assets | 0.5706% | 3,855 |
| Noninterest expense to average assets | 3.2722% | 3,115 |
| Loan and lease loss provision to assets | 0.0309% | 7,220 |
| Net operating income to assets | 0.3265% | 4,427 |
| Return on assets (ROA) | 0.3265% | 4,516 |
| Pretax return on assets | 0.4677% | 4,298 |
| Return on Equity (ROE) | 1.7534% | 5,000 |
| Retained earnings to average equity (ytd only) | 1.7534% | 3,859 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7785% | 2,025 |
| Assets per employee ($millions) | 4.8933% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 7,182 |
| Loan loss allowance to noncurrent loans | 159.6939% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,708 |
| Noncurrent loans to loans | 0.4905% | 6,275 |
| Net loans and leases to total assets | 57.8752% | 5,681 |
| Net loans and leases to deposits | 72.0440% | 5,318 |
| Net loans and leases to core deposits | 102.7923% | 3,711 |
| Total domestic deposits to total assets | 80.3331% | 5,571 |
| Equity capital to assets | 18.6363% | 397 |
| Core capital (leverage) ratio | 18.6363% | 357 |
| Tier 1 risk-based capital ratio | 27.9886% | 646 |
| Total risk-based capital ratio | 28.6748% | 658 |
| Memoranda: | ||
| Average total assets | $67,997,800 | 6,077 |
| Average earning assets | $60,335,200 | 6,113 |
| Average equity | $12,661,000 | 4,599 |
| Average total loans | $42,926,200 | 5,984 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 4,919 |
| Cost of funding earning assets | 1.7511% | 4,629 |
| Net interest margin | 3.6546% | 4,257 |
| Noninterest income to average assets | 0.5815% | 3,840 |
| Noninterest expense to average assets | 3.3710% | 2,663 |
| Loan and lease loss provision to assets | 0.0295% | 7,053 |
| Net operating income to assets | 0.2966% | 4,799 |
| Return on assets (ROA) | 0.2966% | 4,909 |
| Pretax return on assets | 0.4322% | 4,710 |
| Return on Equity (ROE) | 1.5935% | 5,299 |
| Retained earnings to average equity (ytd only) | 1.5935% | 4,418 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9549% | 1,881 |
| Assets per employee ($millions) | 4.8316% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 7,253 |
| Loan loss allowance to noncurrent loans | 295.2381% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 6,022 |
| Noncurrent loans to loans | 0.2551% | 6,874 |
| Net loans and leases to total assets | 60.3959% | 5,524 |
| Net loans and leases to deposits | 75.3912% | 5,142 |
| Net loans and leases to core deposits | 108.3806% | 3,426 |
| Total domestic deposits to total assets | 80.1100% | 5,394 |
| Equity capital to assets | 18.7694% | 438 |
| Core capital (leverage) ratio | 18.7694% | 398 |
| Tier 1 risk-based capital ratio | 27.7794% | 696 |
| Total risk-based capital ratio | 28.4577% | 712 |
| Memoranda: | ||
| Average total assets | $67,870,750 | 6,111 |
| Average earning assets | $60,378,250 | 6,161 |
| Average equity | $12,634,500 | 4,624 |
| Average total loans | $43,667,500 | 5,988 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7138% | 3,459 |
| Cost of funding earning assets | 1.8462% | 4,530 |
| Net interest margin | 3.8675% | 3,261 |
| Noninterest income to average assets | 0.5975% | 3,718 |
| Noninterest expense to average assets | 3.3820% | 2,684 |
| Loan and lease loss provision to assets | 0.0235% | 7,000 |
| Net operating income to assets | 0.3944% | 4,536 |
| Return on assets (ROA) | 0.3944% | 4,642 |
| Pretax return on assets | 0.6387% | 4,202 |
| Return on Equity (ROE) | 2.1246% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.1246% | 4,162 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6245% | 2,522 |
| Assets per employee ($millions) | 4.0245% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 7,334 |
| Loan loss allowance to noncurrent loans | 112.0438% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,434 |
| Noncurrent loans to loans | 0.6604% | 5,933 |
| Net loans and leases to total assets | 60.1950% | 5,646 |
| Net loans and leases to deposits | 74.9681% | 5,327 |
| Net loans and leases to core deposits | 108.2311% | 3,580 |
| Total domestic deposits to total assets | 80.2941% | 5,354 |
| Equity capital to assets | 18.5308% | 500 |
| Core capital (leverage) ratio | 18.5308% | 452 |
| Tier 1 risk-based capital ratio | 28.0375% | 713 |
| Total risk-based capital ratio | 28.7164% | 729 |
| Memoranda: | ||
| Average total assets | $67,947,000 | 6,155 |
| Average earning assets | $60,555,330 | 6,198 |
| Average equity | $12,614,000 | 4,655 |
| Average total loans | $44,502,330 | 6,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8509% | 3,034 |
| Cost of funding earning assets | 1.9393% | 4,438 |
| Net interest margin | 3.9116% | 3,001 |
| Noninterest income to average assets | 0.5080% | 4,249 |
| Noninterest expense to average assets | 3.2313% | 2,850 |
| Loan and lease loss provision to assets | 0.0295% | 6,558 |
| Net operating income to assets | 0.4490% | 4,653 |
| Return on assets (ROA) | 0.4490% | 4,825 |
| Pretax return on assets | 0.7384% | 4,292 |
| Return on Equity (ROE) | 2.4162% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.4162% | 4,532 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7976% | 2,698 |
| Assets per employee ($millions) | 4.0368% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 7,514 |
| Loan loss allowance to noncurrent loans | 37.8580% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 4,308 |
| Noncurrent loans to loans | 1.7840% | 3,584 |
| Net loans and leases to total assets | 65.1444% | 4,785 |
| Net loans and leases to deposits | 80.8222% | 4,486 |
| Net loans and leases to core deposits | 117.2063% | 2,663 |
| Total domestic deposits to total assets | 80.6021% | 5,130 |
| Equity capital to assets | 18.3895% | 559 |
| Core capital (leverage) ratio | 18.3895% | 515 |
| Tier 1 risk-based capital ratio | 29.2434% | 672 |
| Total risk-based capital ratio | 29.9479% | 688 |
| Memoranda: | ||
| Average total assets | $67,712,500 | 6,189 |
| Average earning assets | $60,435,500 | 6,240 |
| Average equity | $12,582,000 | 4,682 |
| Average total loans | $46,008,500 | 5,963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0446% | 5,327 |
| Cost of funding earning assets | 2.6249% | 3,558 |
| Net interest margin | 3.4197% | 5,580 |
| Noninterest income to average assets | 0.4352% | 5,167 |
| Noninterest expense to average assets | 3.1271% | 3,597 |
| Loan and lease loss provision to assets | 0.0014% | 7,327 |
| Net operating income to assets | 0.2844% | 5,592 |
| Return on assets (ROA) | 0.2844% | 5,406 |
| Pretax return on assets | 0.3907% | 5,284 |
| Return on Equity (ROE) | 1.5908% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.5908% | 4,259 |
| Net charge-offs to loans | 0.0020% | 6,999 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 182 |
| Efficiency ratio | 88.8571% | 1,598 |
| Assets per employee ($millions) | 3.9294% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 7,574 |
| Loan loss allowance to noncurrent loans | 109.4545% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 5,899 |
| Noncurrent loans to loans | 0.5850% | 5,620 |
| Net loans and leases to total assets | 69.9202% | 4,038 |
| Net loans and leases to deposits | 87.2243% | 3,907 |
| Net loans and leases to core deposits | 125.5605% | 2,201 |
| Total domestic deposits to total assets | 80.1614% | 4,955 |
| Equity capital to assets | 18.7787% | 570 |
| Core capital (leverage) ratio | 18.7787% | 531 |
| Tier 1 risk-based capital ratio | 29.6079% | 662 |
| Total risk-based capital ratio | 30.3184% | 679 |
| Memoranda: | ||
| Average total assets | $69,618,000 | 6,048 |
| Average earning assets | $62,782,800 | 6,062 |
| Average equity | $12,446,800 | 4,713 |
| Average total loans | $49,075,000 | 5,740 |