Home > Mercer Savings Bank > Performance and Condition Ratios
Mercer Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 2,923 |
| Cost of funding earning assets | 0.7311% | 3,879 |
| Net interest margin | 3.8562% | 1,464 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.0194% | 1,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7033% | 3,190 |
| Return on assets (ROA) | 0.7038% | 3,159 |
| Pretax return on assets | 0.8798% | 3,016 |
| Return on Equity (ROE) | 6.5300% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.5335% | 2,048 |
| Net charge-offs to loans | 0.0202% | 1,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 52.6538% | 1,264 |
| Efficiency ratio | 77.4502% | 1,121 |
| Assets per employee ($millions) | 5.2102% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 4,144 |
| Loan loss allowance to noncurrent loans | 157.4919% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 1,383 |
| Noncurrent loans to loans | 0.4380% | 1,680 |
| Net loans and leases to total assets | 83.5000% | 308 |
| Net loans and leases to deposits | 103.5178% | 387 |
| Net loans and leases to core deposits | 121.1044% | 589 |
| Total domestic deposits to total assets | 80.6600% | 3,363 |
| Equity capital to assets | 11.9784% | 1,129 |
| Core capital (leverage) ratio | 12.3648% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0689% | 908 |
| Memoranda: | ||
| Average total assets | $155,725,200 | 3,312 |
| Average earning assets | $146,361,400 | 3,282 |
| Average equity | $16,775,200 | 3,114 |
| Average total loans | $128,458,200 | 2,866 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 3,032 |
| Cost of funding earning assets | 0.5156% | 4,112 |
| Net interest margin | 3.9199% | 1,360 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.0384% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7500% | 3,174 |
| Return on assets (ROA) | 0.7507% | 3,162 |
| Pretax return on assets | 0.9390% | 3,010 |
| Return on Equity (ROE) | 7.1900% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.1905% | 2,224 |
| Net charge-offs to loans | 0.0287% | 1,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 39.8519% | 1,448 |
| Efficiency ratio | 76.4087% | 1,140 |
| Assets per employee ($millions) | 4.8267% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 4,150 |
| Loan loss allowance to noncurrent loans | 195.8071% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 1,694 |
| Noncurrent loans to loans | 0.3546% | 1,955 |
| Net loans and leases to total assets | 83.8600% | 291 |
| Net loans and leases to deposits | 105.5645% | 299 |
| Net loans and leases to core deposits | 113.5638% | 750 |
| Total domestic deposits to total assets | 79.4400% | 3,614 |
| Equity capital to assets | 12.1829% | 990 |
| Core capital (leverage) ratio | 13.0835% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9511% | 819 |
| Memoranda: | ||
| Average total assets | $152,928,000 | 3,342 |
| Average earning assets | $143,774,250 | 3,311 |
| Average equity | $15,965,000 | 3,172 |
| Average total loans | $125,526,500 | 2,896 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 3,071 |
| Cost of funding earning assets | 0.4036% | 4,162 |
| Net interest margin | 3.9104% | 1,406 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.9825% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7960% | 3,097 |
| Return on assets (ROA) | 0.7970% | 3,097 |
| Pretax return on assets | 0.9960% | 2,918 |
| Return on Equity (ROE) | 8.1100% | 3,206 |
| Retained earnings to average equity (ytd only) | 8.1116% | 1,926 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.9917% | 1,254 |
| Assets per employee ($millions) | 4.8711% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,102 |
| Loan loss allowance to noncurrent loans | 152.7822% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 1,321 |
| Noncurrent loans to loans | 0.4917% | 1,486 |
| Net loans and leases to total assets | 81.4500% | 476 |
| Net loans and leases to deposits | 94.2861% | 832 |
| Net loans and leases to core deposits | 98.0038% | 1,347 |
| Total domestic deposits to total assets | 86.3900% | 2,119 |
| Equity capital to assets | 9.7013% | 2,030 |
| Core capital (leverage) ratio | 10.5181% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8013% | 1,361 |
| Memoranda: | ||
| Average total assets | $150,810,667 | 3,371 |
| Average earning assets | $141,726,333 | 3,346 |
| Average equity | $14,818,333 | 3,291 |
| Average total loans | $122,532,000 | 2,919 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 3,038 |
| Cost of funding earning assets | 0.3382% | 4,111 |
| Net interest margin | 3.8640% | 1,552 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.9027% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8444% | 3,038 |
| Return on assets (ROA) | 0.8444% | 2,993 |
| Pretax return on assets | 1.0548% | 2,847 |
| Return on Equity (ROE) | 8.5400% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.5365% | 2,076 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.3470% | 1,405 |
| Assets per employee ($millions) | 4.9856% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,077 |
| Loan loss allowance to noncurrent loans | 163.4354% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 1,314 |
| Noncurrent loans to loans | 0.4909% | 1,489 |
| Net loans and leases to total assets | 79.4400% | 598 |
| Net loans and leases to deposits | 90.2621% | 1,028 |
| Net loans and leases to core deposits | 93.6818% | 1,412 |
| Total domestic deposits to total assets | 88.0100% | 1,922 |
| Equity capital to assets | 9.9325% | 1,857 |
| Core capital (leverage) ratio | 10.3200% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8530% | 1,180 |
| Memoranda: | ||
| Average total assets | $148,278,000 | 3,445 |
| Average earning assets | $139,544,000 | 3,413 |
| Average equity | $14,666,500 | 3,336 |
| Average total loans | $119,837,000 | 2,979 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 3,123 |
| Cost of funding earning assets | 0.1728% | 3,978 |
| Net interest margin | 3.3123% | 2,535 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.6637% | 1,645 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7401% | 3,509 |
| Return on assets (ROA) | 0.7356% | 3,461 |
| Pretax return on assets | 0.8625% | 3,452 |
| Return on Equity (ROE) | 7.9700% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.9685% | 1,848 |
| Net charge-offs to loans | 0.0198% | 1,697 |
| Credit loss provision to net charge-offs | 47.8261% | 1,831 |
| Earnings coverage of net charge-offs (x) | 57.8696% | 1,280 |
| Efficiency ratio | 75.2740% | 1,093 |
| Assets per employee ($millions) | 4.7415% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,024 |
| Loan loss allowance to noncurrent loans | 222.4537% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 1,682 |
| Noncurrent loans to loans | 0.3603% | 1,849 |
| Net loans and leases to total assets | 80.9200% | 506 |
| Net loans and leases to deposits | 92.5337% | 890 |
| Net loans and leases to core deposits | 93.5835% | 1,315 |
| Total domestic deposits to total assets | 87.4500% | 2,250 |
| Equity capital to assets | 9.8492% | 1,790 |
| Core capital (leverage) ratio | 10.1267% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7833% | 1,166 |
| Memoranda: | ||
| Average total assets | $152,117,400 | 3,421 |
| Average earning assets | $143,496,200 | 3,389 |
| Average equity | $14,042,800 | 3,461 |
| Average total loans | $116,288,000 | 2,958 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3000% | 3,173 |
| Cost of funding earning assets | 0.1769% | 3,550 |
| Net interest margin | 3.1231% | 2,855 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.6005% | 1,711 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6866% | 3,600 |
| Return on assets (ROA) | 0.6866% | 3,559 |
| Pretax return on assets | 0.7883% | 3,614 |
| Return on Equity (ROE) | 7.5600% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.5591% | 2,162 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.5217% | 1,031 |
| Assets per employee ($millions) | 4.5160% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,033 |
| Loan loss allowance to noncurrent loans | 281.1429% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,092 |
| Noncurrent loans to loans | 0.2933% | 2,193 |
| Net loans and leases to total assets | 77.0800% | 794 |
| Net loans and leases to deposits | 87.3765% | 1,074 |
| Net loans and leases to core deposits | 88.3187% | 1,398 |
| Total domestic deposits to total assets | 88.2200% | 2,358 |
| Equity capital to assets | 9.1224% | 2,131 |
| Core capital (leverage) ratio | 9.6770% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5562% | 1,274 |
| Memoranda: | ||
| Average total assets | $153,400,000 | 3,434 |
| Average earning assets | $144,723,750 | 3,408 |
| Average equity | $13,934,250 | 3,522 |
| Average total loans | $115,384,750 | 2,975 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1747% | 3,131 |
| Cost of funding earning assets | 0.1807% | 3,172 |
| Net interest margin | 2.9939% | 2,899 |
| Noninterest income to average assets | 0.3078% | 3,320 |
| Noninterest expense to average assets | 2.5145% | 1,886 |
| Loan and lease loss provision to assets | 0.0143% | 2,336 |
| Net operating income to assets | 0.5165% | 3,856 |
| Return on assets (ROA) | 0.5165% | 3,809 |
| Pretax return on assets | 0.6091% | 3,798 |
| Return on Equity (ROE) | 5.6937% | 3,657 |
| Retained earnings to average equity (ytd only) | 5.6937% | 2,436 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1330% | 936 |
| Assets per employee ($millions) | 4.7445% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,081 |
| Loan loss allowance to noncurrent loans | 208.4746% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,798 |
| Noncurrent loans to loans | 0.4090% | 1,896 |
| Net loans and leases to total assets | 73.0727% | 996 |
| Net loans and leases to deposits | 82.3823% | 1,220 |
| Net loans and leases to core deposits | 83.2497% | 1,497 |
| Total domestic deposits to total assets | 88.6996% | 2,296 |
| Equity capital to assets | 8.7507% | 2,571 |
| Core capital (leverage) ratio | 9.3132% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5905% | 1,284 |
| Memoranda: | ||
| Average total assets | $153,351,667 | 3,469 |
| Average earning assets | $144,960,000 | 3,447 |
| Average equity | $13,910,000 | 3,591 |
| Average total loans | $114,066,667 | 3,018 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 2,935 |
| Cost of funding earning assets | 0.1896% | 2,955 |
| Net interest margin | 2.9255% | 2,749 |
| Noninterest income to average assets | 0.2873% | 3,403 |
| Noninterest expense to average assets | 2.5701% | 1,692 |
| Loan and lease loss provision to assets | 0.0264% | 1,890 |
| Net operating income to assets | 0.4033% | 3,944 |
| Return on assets (ROA) | 0.4033% | 3,908 |
| Pretax return on assets | 0.4560% | 3,942 |
| Return on Equity (ROE) | 4.3669% | 3,790 |
| Retained earnings to average equity (ytd only) | 4.3669% | 2,812 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1969% | 834 |
| Assets per employee ($millions) | 4.6262% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,109 |
| Loan loss allowance to noncurrent loans | 493.9698% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,886 |
| Noncurrent loans to loans | 0.1767% | 2,936 |
| Net loans and leases to total assets | 73.1377% | 725 |
| Net loans and leases to deposits | 82.8418% | 952 |
| Net loans and leases to core deposits | 83.7440% | 1,256 |
| Total domestic deposits to total assets | 88.2860% | 2,394 |
| Equity capital to assets | 9.1128% | 2,615 |
| Core capital (leverage) ratio | 9.3499% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9958% | 1,256 |
| Memoranda: | ||
| Average total assets | $151,742,500 | 3,495 |
| Average earning assets | $143,429,500 | 3,477 |
| Average equity | $14,014,500 | 3,657 |
| Average total loans | $113,403,000 | 3,021 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2412% | 3,371 |
| Cost of funding earning assets | 0.2570% | 2,846 |
| Net interest margin | 2.9843% | 3,243 |
| Noninterest income to average assets | 0.2808% | 3,711 |
| Noninterest expense to average assets | 2.5355% | 2,074 |
| Loan and lease loss provision to assets | 0.0914% | 1,368 |
| Net operating income to assets | 0.3594% | 4,331 |
| Return on assets (ROA) | 0.3594% | 4,360 |
| Pretax return on assets | 0.4629% | 4,307 |
| Return on Equity (ROE) | 3.8592% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.8592% | 3,276 |
| Net charge-offs to loans | 0.0315% | 1,609 |
| Credit loss provision to net charge-offs | 388.5714% | 922 |
| Earnings coverage of net charge-offs (x) | 23.5714% | 1,773 |
| Efficiency ratio | 82.0613% | 667 |
| Assets per employee ($millions) | 4.7132% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 4,173 |
| Loan loss allowance to noncurrent loans | 926.6667% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,475 |
| Noncurrent loans to loans | 0.0920% | 3,463 |
| Net loans and leases to total assets | 75.0525% | 584 |
| Net loans and leases to deposits | 85.9654% | 776 |
| Net loans and leases to core deposits | 86.7601% | 1,156 |
| Total domestic deposits to total assets | 87.3055% | 2,384 |
| Equity capital to assets | 9.3601% | 3,261 |
| Core capital (leverage) ratio | 9.4202% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5054% | 1,389 |
| Memoranda: | ||
| Average total assets | $148,845,000 | 3,493 |
| Average earning assets | $140,102,200 | 3,473 |
| Average equity | $13,862,800 | 3,755 |
| Average total loans | $111,099,400 | 3,062 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2548% | 3,503 |
| Cost of funding earning assets | 0.2752% | 2,847 |
| Net interest margin | 2.9796% | 3,358 |
| Noninterest income to average assets | 0.2391% | 3,971 |
| Noninterest expense to average assets | 2.5201% | 2,061 |
| Loan and lease loss provision to assets | 0.1085% | 1,113 |
| Net operating income to assets | 0.3191% | 4,492 |
| Return on assets (ROA) | 0.3191% | 4,518 |
| Pretax return on assets | 0.4125% | 4,480 |
| Return on Equity (ROE) | 3.4301% | 4,396 |
| Retained earnings to average equity (ytd only) | 3.4301% | 3,758 |
| Net charge-offs to loans | 0.0423% | 1,254 |
| Credit loss provision to net charge-offs | 345.7143% | 932 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 1,832 |
| Efficiency ratio | 82.8605% | 589 |
| Assets per employee ($millions) | 4.6118% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,292 |
| Loan loss allowance to noncurrent loans | 460.5769% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 3,172 |
| Noncurrent loans to loans | 0.1824% | 3,217 |
| Net loans and leases to total assets | 76.6290% | 499 |
| Net loans and leases to deposits | 88.0513% | 710 |
| Net loans and leases to core deposits | 89.2423% | 1,078 |
| Total domestic deposits to total assets | 87.0277% | 2,345 |
| Equity capital to assets | 9.4805% | 3,393 |
| Core capital (leverage) ratio | 9.2828% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2785% | 1,544 |
| Memoranda: | ||
| Average total assets | $148,351,000 | 3,531 |
| Average earning assets | $139,525,250 | 3,511 |
| Average equity | $13,799,250 | 3,803 |
| Average total loans | $110,332,250 | 3,112 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 3,498 |
| Cost of funding earning assets | 0.2907% | 2,868 |
| Net interest margin | 2.9819% | 3,369 |
| Noninterest income to average assets | 0.2073% | 4,165 |
| Noninterest expense to average assets | 2.4871% | 2,188 |
| Loan and lease loss provision to assets | 0.1413% | 861 |
| Net operating income to assets | 0.2934% | 4,534 |
| Return on assets (ROA) | 0.2934% | 4,554 |
| Pretax return on assets | 0.3809% | 4,523 |
| Return on Equity (ROE) | 3.1743% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.1743% | 3,789 |
| Net charge-offs to loans | 0.0623% | 993 |
| Credit loss provision to net charge-offs | 308.8235% | 870 |
| Earnings coverage of net charge-offs (x) | 11.4118% | 1,761 |
| Efficiency ratio | 82.6476% | 631 |
| Assets per employee ($millions) | 4.6246% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 4,282 |
| Loan loss allowance to noncurrent loans | 1,096.5116% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,855 |
| Noncurrent loans to loans | 0.0777% | 3,799 |
| Net loans and leases to total assets | 71.9116% | 980 |
| Net loans and leases to deposits | 82.2177% | 1,202 |
| Net loans and leases to core deposits | 83.6254% | 1,598 |
| Total domestic deposits to total assets | 87.4649% | 2,113 |
| Equity capital to assets | 9.0649% | 3,747 |
| Core capital (leverage) ratio | 9.1098% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9541% | 1,644 |
| Memoranda: | ||
| Average total assets | $148,609,333 | 3,539 |
| Average earning assets | $139,643,333 | 3,517 |
| Average equity | $13,735,333 | 3,819 |
| Average total loans | $109,095,000 | 3,136 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 3,303 |
| Cost of funding earning assets | 0.3022% | 2,969 |
| Net interest margin | 3.0596% | 3,106 |
| Noninterest income to average assets | 0.1582% | 4,407 |
| Noninterest expense to average assets | 2.5374% | 2,067 |
| Loan and lease loss provision to assets | 0.1637% | 769 |
| Net operating income to assets | 0.2537% | 4,584 |
| Return on assets (ROA) | 0.2537% | 4,608 |
| Pretax return on assets | 0.3301% | 4,568 |
| Return on Equity (ROE) | 2.7181% | 4,520 |
| Retained earnings to average equity (ytd only) | 2.7181% | 3,863 |
| Net charge-offs to loans | 0.1256% | 577 |
| Credit loss provision to net charge-offs | 176.4706% | 930 |
| Earnings coverage of net charge-offs (x) | 5.3235% | 1,684 |
| Efficiency ratio | 83.7084% | 611 |
| Assets per employee ($millions) | 4.6693% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 4,365 |
| Loan loss allowance to noncurrent loans | 1,548.2759% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,060 |
| Noncurrent loans to loans | 0.0530% | 4,025 |
| Net loans and leases to total assets | 72.6883% | 935 |
| Net loans and leases to deposits | 83.3126% | 1,218 |
| Net loans and leases to core deposits | 84.7712% | 1,611 |
| Total domestic deposits to total assets | 87.2477% | 2,205 |
| Equity capital to assets | 9.1684% | 3,522 |
| Core capital (leverage) ratio | 9.3319% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8521% | 1,617 |
| Memoranda: | ||
| Average total assets | $146,608,500 | 3,559 |
| Average earning assets | $137,665,000 | 3,545 |
| Average equity | $13,686,000 | 3,826 |
| Average total loans | $108,298,500 | 3,154 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,240 |
| Cost of funding earning assets | 0.9226% | 796 |
| Net interest margin | 2.9006% | 4,106 |
| Noninterest income to average assets | 0.4854% | 2,693 |
| Noninterest expense to average assets | 2.7043% | 2,229 |
| Loan and lease loss provision to assets | 0.1556% | 2,423 |
| Net operating income to assets | 0.2623% | 4,489 |
| Return on assets (ROA) | 0.2623% | 4,552 |
| Pretax return on assets | 0.3404% | 4,502 |
| Return on Equity (ROE) | 2.7392% | 4,436 |
| Retained earnings to average equity (ytd only) | 2.7392% | 3,491 |
| Net charge-offs to loans | 0.0251% | 2,538 |
| Credit loss provision to net charge-offs | 782.1429% | 920 |
| Earnings coverage of net charge-offs (x) | 24.9286% | 1,758 |
| Efficiency ratio | 84.4992% | 596 |
| Assets per employee ($millions) | 4.3576% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,395 |
| Loan loss allowance to noncurrent loans | 152.1815% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 2,267 |
| Noncurrent loans to loans | 0.5351% | 2,371 |
| Net loans and leases to total assets | 73.8653% | 1,038 |
| Net loans and leases to deposits | 85.7033% | 1,273 |
| Net loans and leases to core deposits | 87.2787% | 1,765 |
| Total domestic deposits to total assets | 86.1872% | 2,283 |
| Equity capital to assets | 9.5083% | 3,603 |
| Core capital (leverage) ratio | 9.7785% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0994% | 1,491 |
| Memoranda: | ||
| Average total assets | $140,702,600 | 3,501 |
| Average earning assets | $131,697,400 | 3,485 |
| Average equity | $13,471,200 | 3,817 |
| Average total loans | $111,474,000 | 3,079 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 3,218 |
| Cost of funding earning assets | 1.1211% | 493 |
| Net interest margin | 2.7899% | 4,351 |
| Noninterest income to average assets | 0.4488% | 2,855 |
| Noninterest expense to average assets | 2.6937% | 2,281 |
| Loan and lease loss provision to assets | 0.1515% | 2,502 |
| Net operating income to assets | 0.1629% | 4,637 |
| Return on assets (ROA) | 0.1629% | 4,677 |
| Pretax return on assets | 0.2144% | 4,646 |
| Return on Equity (ROE) | 1.6988% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.6988% | 4,031 |
| Net charge-offs to loans | 0.0012% | 3,186 |
| Credit loss provision to net charge-offs | 15,900.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 298 |
| Efficiency ratio | 88.0411% | 414 |
| Assets per employee ($millions) | 4.1119% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 4,447 |
| Loan loss allowance to noncurrent loans | 154.2279% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 2,577 |
| Noncurrent loans to loans | 0.4950% | 2,577 |
| Net loans and leases to total assets | 80.3646% | 579 |
| Net loans and leases to deposits | 94.0224% | 921 |
| Net loans and leases to core deposits | 95.3018% | 1,525 |
| Total domestic deposits to total assets | 85.4739% | 2,258 |
| Equity capital to assets | 9.9290% | 3,289 |
| Core capital (leverage) ratio | 9.7601% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9445% | 1,518 |
| Memoranda: | ||
| Average total assets | $139,928,000 | 3,499 |
| Average earning assets | $130,943,750 | 3,487 |
| Average equity | $13,420,750 | 3,828 |
| Average total loans | $112,569,750 | 3,070 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 3,498 |
| Cost of funding earning assets | 0.7247% | 2,268 |
| Net interest margin | 3.2143% | 3,629 |
| Noninterest income to average assets | 0.3651% | 3,295 |
| Noninterest expense to average assets | 2.6787% | 2,449 |
| Loan and lease loss provision to assets | 0.1401% | 2,614 |
| Net operating income to assets | 0.4330% | 4,161 |
| Return on assets (ROA) | 0.4330% | 4,226 |
| Pretax return on assets | 0.5589% | 4,137 |
| Return on Equity (ROE) | 4.5660% | 3,953 |
| Retained earnings to average equity (ytd only) | 4.5660% | 2,671 |
| Net charge-offs to loans | 0.0018% | 2,960 |
| Credit loss provision to net charge-offs | 9,900.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 494.0000% | 207 |
| Efficiency ratio | 79.3046% | 940 |
| Assets per employee ($millions) | 4.4875% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 4,562 |
| Loan loss allowance to noncurrent loans | 138.3659% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 2,774 |
| Noncurrent loans to loans | 0.5066% | 2,629 |
| Net loans and leases to total assets | 74.5175% | 1,338 |
| Net loans and leases to deposits | 96.0467% | 792 |
| Net loans and leases to core deposits | 97.3611% | 1,467 |
| Total domestic deposits to total assets | 77.5846% | 4,245 |
| Equity capital to assets | 9.1832% | 3,939 |
| Core capital (leverage) ratio | 9.3458% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8474% | 1,535 |
| Memoranda: | ||
| Average total assets | $141,339,333 | 3,468 |
| Average earning assets | $132,470,333 | 3,440 |
| Average equity | $13,403,333 | 3,832 |
| Average total loans | $113,463,333 | 3,050 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 3,444 |
| Cost of funding earning assets | 0.7839% | 2,481 |
| Net interest margin | 3.3433% | 3,472 |
| Noninterest income to average assets | 0.3073% | 3,674 |
| Noninterest expense to average assets | 2.7601% | 2,544 |
| Loan and lease loss provision to assets | 0.1131% | 2,269 |
| Net operating income to assets | 0.4378% | 4,052 |
| Return on assets (ROA) | 0.4378% | 4,098 |
| Pretax return on assets | 0.5625% | 3,997 |
| Return on Equity (ROE) | 4.5395% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.5395% | 2,484 |
| Net charge-offs to loans | 0.0035% | 2,461 |
| Credit loss provision to net charge-offs | 3,900.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 299 |
| Efficiency ratio | 80.3376% | 1,106 |
| Assets per employee ($millions) | 4.5825% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 4,725 |
| Loan loss allowance to noncurrent loans | 134.8968% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 2,942 |
| Noncurrent loans to loans | 0.4631% | 2,862 |
| Net loans and leases to total assets | 80.5085% | 635 |
| Net loans and leases to deposits | 107.5099% | 250 |
| Net loans and leases to core deposits | 109.0954% | 898 |
| Total domestic deposits to total assets | 74.8847% | 4,592 |
| Equity capital to assets | 9.4082% | 4,307 |
| Core capital (leverage) ratio | 10.0385% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2516% | 1,825 |
| Memoranda: | ||
| Average total assets | $137,966,000 | 3,480 |
| Average earning assets | $129,093,000 | 3,457 |
| Average equity | $13,305,500 | 3,852 |
| Average total loans | $114,630,500 | 3,018 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 3,166 |
| Cost of funding earning assets | 0.8429% | 2,471 |
| Net interest margin | 3.5846% | 3,186 |
| Noninterest income to average assets | 0.4339% | 3,088 |
| Noninterest expense to average assets | 2.9444% | 2,157 |
| Loan and lease loss provision to assets | 0.1168% | 1,812 |
| Net operating income to assets | 0.5685% | 4,251 |
| Return on assets (ROA) | 0.5732% | 4,294 |
| Pretax return on assets | 0.7261% | 4,153 |
| Return on Equity (ROE) | 5.9280% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.9280% | 1,902 |
| Net charge-offs to loans | 0.0081% | 3,390 |
| Credit loss provision to net charge-offs | 1,722.2222% | 216 |
| Earnings coverage of net charge-offs (x) | 123.4444% | 574 |
| Efficiency ratio | 77.8685% | 1,167 |
| Assets per employee ($millions) | 4.0568% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 4,746 |
| Loan loss allowance to noncurrent loans | 125.8780% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 2,594 |
| Noncurrent loans to loans | 0.4738% | 2,766 |
| Net loans and leases to total assets | 84.7754% | 257 |
| Net loans and leases to deposits | 106.6884% | 272 |
| Net loans and leases to core deposits | 108.2566% | 962 |
| Total domestic deposits to total assets | 79.4607% | 4,085 |
| Equity capital to assets | 9.8943% | 4,016 |
| Core capital (leverage) ratio | 9.8552% | 3,670 |
| Tier 1 risk-based capital ratio | 14.6610% | 2,925 |
| Total risk-based capital ratio | 15.4163% | 3,094 |
| Memoranda: | ||
| Average total assets | $132,760,000 | 3,527 |
| Average earning assets | $123,974,600 | 3,505 |
| Average equity | $12,837,400 | 3,899 |
| Average total loans | $111,505,400 | 3,062 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 3,220 |
| Cost of funding earning assets | 0.8436% | 2,494 |
| Net interest margin | 3.6032% | 3,237 |
| Noninterest income to average assets | 0.4539% | 3,000 |
| Noninterest expense to average assets | 2.9639% | 2,072 |
| Loan and lease loss provision to assets | 0.1167% | 1,673 |
| Net operating income to assets | 0.5817% | 4,337 |
| Return on assets (ROA) | 0.5817% | 4,386 |
| Pretax return on assets | 0.7347% | 4,271 |
| Return on Equity (ROE) | 6.0513% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,350 |
| Net charge-offs to loans | 0.0168% | 2,803 |
| Credit loss provision to net charge-offs | 828.5714% | 422 |
| Earnings coverage of net charge-offs (x) | 60.4162% | 1,046 |
| Efficiency ratio | 77.6840% | 1,132 |
| Assets per employee ($millions) | 4.1663% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 4,866 |
| Loan loss allowance to noncurrent loans | 663.5417% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,069 |
| Noncurrent loans to loans | 0.0863% | 4,257 |
| Net loans and leases to total assets | 82.9255% | 460 |
| Net loans and leases to deposits | 104.2351% | 398 |
| Net loans and leases to core deposits | 105.7688% | 1,198 |
| Total domestic deposits to total assets | 79.5563% | 4,079 |
| Equity capital to assets | 9.8011% | 4,213 |
| Core capital (leverage) ratio | 9.8686% | 3,768 |
| Tier 1 risk-based capital ratio | 14.8530% | 2,924 |
| Total risk-based capital ratio | 15.5789% | 3,072 |
| Memoranda: | ||
| Average total assets | $132,481,250 | 3,566 |
| Average earning assets | $123,592,250 | 3,549 |
| Average equity | $12,735,250 | 3,950 |
| Average total loans | $110,838,250 | 3,106 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 3,259 |
| Cost of funding earning assets | 0.8402% | 2,444 |
| Net interest margin | 3.5864% | 3,310 |
| Noninterest income to average assets | 0.4206% | 3,133 |
| Noninterest expense to average assets | 3.0091% | 1,983 |
| Loan and lease loss provision to assets | 0.1150% | 1,631 |
| Net operating income to assets | 0.5068% | 4,515 |
| Return on assets (ROA) | 0.5068% | 4,551 |
| Pretax return on assets | 0.6414% | 4,463 |
| Return on Equity (ROE) | 5.3071% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.3071% | 2,620 |
| Net charge-offs to loans | 0.0199% | 2,468 |
| Credit loss provision to net charge-offs | 690.9091% | 467 |
| Earnings coverage of net charge-offs (x) | 45.4545% | 1,167 |
| Efficiency ratio | 79.9116% | 975 |
| Assets per employee ($millions) | 4.0598% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5363% | 4,969 |
| Loan loss allowance to noncurrent loans | 260.8696% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 3,652 |
| Noncurrent loans to loans | 0.2056% | 3,810 |
| Net loans and leases to total assets | 83.0573% | 465 |
| Net loans and leases to deposits | 105.9872% | 341 |
| Net loans and leases to core deposits | 107.8193% | 1,113 |
| Total domestic deposits to total assets | 78.3654% | 4,336 |
| Equity capital to assets | 9.5660% | 4,342 |
| Core capital (leverage) ratio | 9.6807% | 3,951 |
| Tier 1 risk-based capital ratio | 14.5009% | 3,069 |
| Total risk-based capital ratio | 15.1810% | 3,264 |
| Memoranda: | ||
| Average total assets | $132,201,000 | 3,596 |
| Average earning assets | $123,299,000 | 3,574 |
| Average equity | $12,624,670 | 3,970 |
| Average total loans | $110,719,330 | 3,121 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 3,263 |
| Cost of funding earning assets | 0.8135% | 2,458 |
| Net interest margin | 3.5773% | 3,338 |
| Noninterest income to average assets | 0.3564% | 3,469 |
| Noninterest expense to average assets | 2.9547% | 2,121 |
| Loan and lease loss provision to assets | 0.1188% | 1,476 |
| Net operating income to assets | 0.5026% | 4,515 |
| Return on assets (ROA) | 0.5026% | 4,535 |
| Pretax return on assets | 0.6184% | 4,477 |
| Return on Equity (ROE) | 5.2678% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.2678% | 2,788 |
| Net charge-offs to loans | -0.0036% | 3,950 |
| Credit loss provision to net charge-offs | -3,900.0000% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0330% | 1,064 |
| Assets per employee ($millions) | 4.3990% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5184% | 5,061 |
| Loan loss allowance to noncurrent loans | 147.8149% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 3,427 |
| Noncurrent loans to loans | 0.3507% | 3,325 |
| Net loans and leases to total assets | 83.6075% | 409 |
| Net loans and leases to deposits | 106.8919% | 296 |
| Net loans and leases to core deposits | 108.4980% | 1,023 |
| Total domestic deposits to total assets | 78.2169% | 4,480 |
| Equity capital to assets | 9.5636% | 4,196 |
| Core capital (leverage) ratio | 9.7641% | 3,854 |
| Tier 1 risk-based capital ratio | 14.7446% | 2,984 |
| Total risk-based capital ratio | 15.4162% | 3,186 |
| Memoranda: | ||
| Average total assets | $131,314,000 | 3,642 |
| Average earning assets | $122,438,000 | 3,625 |
| Average equity | $12,529,000 | 4,000 |
| Average total loans | $110,141,000 | 3,166 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 3,551 |
| Cost of funding earning assets | 0.5651% | 2,955 |
| Net interest margin | 3.5953% | 3,397 |
| Noninterest income to average assets | 0.4934% | 2,865 |
| Noninterest expense to average assets | 2.9748% | 2,115 |
| Loan and lease loss provision to assets | 0.1061% | 2,083 |
| Net operating income to assets | 0.6101% | 4,387 |
| Return on assets (ROA) | 0.5742% | 4,498 |
| Pretax return on assets | 0.7089% | 4,389 |
| Return on Equity (ROE) | 6.0184% | 4,171 |
| Retained earnings to average equity (ytd only) | 6.0184% | 2,185 |
| Net charge-offs to loans | 0.0429% | 2,557 |
| Credit loss provision to net charge-offs | 297.7778% | 1,038 |
| Earnings coverage of net charge-offs (x) | 24.1111% | 1,826 |
| Efficiency ratio | 77.5873% | 1,173 |
| Assets per employee ($millions) | 3.9594% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4892% | 5,134 |
| Loan loss allowance to noncurrent loans | 61.2829% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 2,053 |
| Noncurrent loans to loans | 0.7982% | 2,007 |
| Net loans and leases to total assets | 83.2977% | 485 |
| Net loans and leases to deposits | 106.7522% | 341 |
| Net loans and leases to core deposits | 108.3711% | 1,093 |
| Total domestic deposits to total assets | 78.0291% | 4,489 |
| Equity capital to assets | 9.5187% | 4,115 |
| Core capital (leverage) ratio | 9.5462% | 4,065 |
| Tier 1 risk-based capital ratio | 14.7345% | 2,950 |
| Total risk-based capital ratio | 15.3672% | 3,173 |
| Memoranda: | ||
| Average total assets | $126,259,400 | 3,695 |
| Average earning assets | $117,319,400 | 3,689 |
| Average equity | $12,046,400 | 4,016 |
| Average total loans | $104,787,200 | 3,217 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 3,702 |
| Cost of funding earning assets | 0.4771% | 3,350 |
| Net interest margin | 3.6024% | 3,354 |
| Noninterest income to average assets | 0.4368% | 3,241 |
| Noninterest expense to average assets | 2.9785% | 2,077 |
| Loan and lease loss provision to assets | 0.1033% | 1,941 |
| Net operating income to assets | 0.5510% | 4,643 |
| Return on assets (ROA) | 0.5039% | 4,759 |
| Pretax return on assets | 0.6413% | 4,654 |
| Return on Equity (ROE) | 5.2780% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.2780% | 3,076 |
| Net charge-offs to loans | 0.0489% | 2,129 |
| Credit loss provision to net charge-offs | 255.2632% | 1,159 |
| Earnings coverage of net charge-offs (x) | 19.8666% | 1,980 |
| Efficiency ratio | 78.7384% | 1,051 |
| Assets per employee ($millions) | 3.9637% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4597% | 5,232 |
| Loan loss allowance to noncurrent loans | 52.2234% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 2,004 |
| Noncurrent loans to loans | 0.8802% | 1,939 |
| Net loans and leases to total assets | 83.6010% | 498 |
| Net loans and leases to deposits | 106.7808% | 410 |
| Net loans and leases to core deposits | 108.3885% | 1,139 |
| Total domestic deposits to total assets | 78.2922% | 4,439 |
| Equity capital to assets | 9.3111% | 4,263 |
| Core capital (leverage) ratio | 9.4735% | 4,210 |
| Tier 1 risk-based capital ratio | 14.3968% | 3,173 |
| Total risk-based capital ratio | 14.9924% | 3,412 |
| Memoranda: | ||
| Average total assets | $125,159,500 | 3,747 |
| Average earning assets | $116,254,500 | 3,750 |
| Average equity | $11,948,750 | 4,069 |
| Average total loans | $103,641,250 | 3,266 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,689 |
| Cost of funding earning assets | 0.3902% | 3,808 |
| Net interest margin | 3.6394% | 3,163 |
| Noninterest income to average assets | 0.4251% | 3,322 |
| Noninterest expense to average assets | 2.9867% | 2,072 |
| Loan and lease loss provision to assets | 0.0990% | 1,961 |
| Net operating income to assets | 0.5601% | 4,607 |
| Return on assets (ROA) | 0.4883% | 4,777 |
| Pretax return on assets | 0.6230% | 4,698 |
| Return on Equity (ROE) | 5.0708% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.0708% | 3,038 |
| Net charge-offs to loans | 0.0354% | 2,143 |
| Credit loss provision to net charge-offs | 338.8889% | 924 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,570 |
| Efficiency ratio | 78.6080% | 1,153 |
| Assets per employee ($millions) | 4.0660% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4600% | 5,310 |
| Loan loss allowance to noncurrent loans | 92.4386% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 3,044 |
| Noncurrent loans to loans | 0.4977% | 2,934 |
| Net loans and leases to total assets | 83.9416% | 466 |
| Net loans and leases to deposits | 102.9983% | 591 |
| Net loans and leases to core deposits | 104.2845% | 1,375 |
| Total domestic deposits to total assets | 81.4980% | 3,870 |
| Equity capital to assets | 9.5306% | 4,068 |
| Core capital (leverage) ratio | 9.7642% | 3,827 |
| Tier 1 risk-based capital ratio | 16.2769% | 2,343 |
| Total risk-based capital ratio | 16.9383% | 2,497 |
| Memoranda: | ||
| Average total assets | $123,279,000 | 3,802 |
| Average earning assets | $114,304,330 | 3,806 |
| Average equity | $11,872,000 | 4,105 |
| Average total loans | $101,569,670 | 3,311 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9492% | 3,791 |
| Cost of funding earning assets | 0.3729% | 3,799 |
| Net interest margin | 3.5763% | 3,265 |
| Noninterest income to average assets | 0.4299% | 3,244 |
| Noninterest expense to average assets | 3.0321% | 1,988 |
| Loan and lease loss provision to assets | 0.0853% | 2,097 |
| Net operating income to assets | 0.4829% | 4,734 |
| Return on assets (ROA) | 0.4725% | 4,761 |
| Pretax return on assets | 0.6038% | 4,676 |
| Return on Equity (ROE) | 4.8807% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.8807% | 3,232 |
| Net charge-offs to loans | 0.0040% | 2,594 |
| Credit loss provision to net charge-offs | 2,600.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 318 |
| Efficiency ratio | 81.1951% | 1,026 |
| Assets per employee ($millions) | 3.7196% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4675% | 5,372 |
| Loan loss allowance to noncurrent loans | 85.6102% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 3,062 |
| Noncurrent loans to loans | 0.5461% | 2,889 |
| Net loans and leases to total assets | 81.5223% | 724 |
| Net loans and leases to deposits | 97.4457% | 911 |
| Net loans and leases to core deposits | 98.6611% | 1,793 |
| Total domestic deposits to total assets | 83.6592% | 3,447 |
| Equity capital to assets | 9.6588% | 3,932 |
| Core capital (leverage) ratio | 9.9042% | 3,636 |
| Tier 1 risk-based capital ratio | 17.0204% | 2,115 |
| Total risk-based capital ratio | 17.6938% | 2,239 |
| Memoranda: | ||
| Average total assets | $121,895,500 | 3,868 |
| Average earning assets | $112,629,500 | 3,875 |
| Average equity | $11,801,500 | 4,155 |
| Average total loans | $99,207,500 | 3,374 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,182 |
| Cost of funding earning assets | 0.3040% | 4,098 |
| Net interest margin | 3.4563% | 3,665 |
| Noninterest income to average assets | 0.4173% | 3,524 |
| Noninterest expense to average assets | 3.1015% | 1,856 |
| Loan and lease loss provision to assets | 0.0860% | 2,475 |
| Net operating income to assets | 0.3994% | 4,692 |
| Return on assets (ROA) | 0.4443% | 4,579 |
| Pretax return on assets | 0.4687% | 4,975 |
| Return on Equity (ROE) | 4.5964% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.5964% | 2,395 |
| Net charge-offs to loans | -0.0044% | 4,617 |
| Credit loss provision to net charge-offs | -2,550.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9379% | 651 |
| Assets per employee ($millions) | 3.6680% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4557% | 5,441 |
| Loan loss allowance to noncurrent loans | 58.3770% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,433 |
| Noncurrent loans to loans | 0.7806% | 2,269 |
| Net loans and leases to total assets | 80.4937% | 895 |
| Net loans and leases to deposits | 96.3243% | 1,060 |
| Net loans and leases to core deposits | 97.5412% | 1,896 |
| Total domestic deposits to total assets | 83.5653% | 3,370 |
| Equity capital to assets | 9.7048% | 4,028 |
| Core capital (leverage) ratio | 9.9125% | 3,567 |
| Tier 1 risk-based capital ratio | 17.4522% | 1,956 |
| Total risk-based capital ratio | 18.1156% | 2,085 |
| Memoranda: | ||
| Average total assets | $118,618,400 | 3,920 |
| Average earning assets | $109,540,200 | 3,927 |
| Average equity | $11,465,400 | 4,228 |
| Average total loans | $90,925,800 | 3,507 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 4,262 |
| Cost of funding earning assets | 0.2935% | 4,193 |
| Net interest margin | 3.4282% | 3,746 |
| Noninterest income to average assets | 0.4101% | 3,619 |
| Noninterest expense to average assets | 3.1013% | 1,799 |
| Loan and lease loss provision to assets | 0.0870% | 2,345 |
| Net operating income to assets | 0.2876% | 5,238 |
| Return on assets (ROA) | 0.3344% | 5,175 |
| Pretax return on assets | 0.4519% | 5,111 |
| Return on Equity (ROE) | 3.4634% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.4634% | 3,861 |
| Net charge-offs to loans | -0.0045% | 4,435 |
| Credit loss provision to net charge-offs | -2,566.6667% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7025% | 588 |
| Assets per employee ($millions) | 3.5278% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4471% | 5,524 |
| Loan loss allowance to noncurrent loans | 65.8307% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 2,931 |
| Noncurrent loans to loans | 0.6792% | 2,672 |
| Net loans and leases to total assets | 77.9592% | 1,279 |
| Net loans and leases to deposits | 91.5507% | 1,616 |
| Net loans and leases to core deposits | 91.7835% | 2,466 |
| Total domestic deposits to total assets | 85.1542% | 2,657 |
| Equity capital to assets | 9.6243% | 4,320 |
| Core capital (leverage) ratio | 9.6974% | 3,939 |
| Tier 1 risk-based capital ratio | 17.5654% | 1,992 |
| Total risk-based capital ratio | 18.2068% | 2,125 |
| Memoranda: | ||
| Average total assets | $118,012,250 | 3,963 |
| Average earning assets | $109,015,750 | 3,977 |
| Average equity | $11,395,000 | 4,281 |
| Average total loans | $89,187,750 | 3,573 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 4,320 |
| Cost of funding earning assets | 0.2805% | 4,281 |
| Net interest margin | 3.3878% | 3,816 |
| Noninterest income to average assets | 0.3885% | 3,760 |
| Noninterest expense to average assets | 3.1286% | 1,772 |
| Loan and lease loss provision to assets | 0.0869% | 2,246 |
| Net operating income to assets | 0.2285% | 5,354 |
| Return on assets (ROA) | 0.2778% | 5,291 |
| Pretax return on assets | 0.3664% | 5,242 |
| Return on Equity (ROE) | 2.8734% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.8734% | 4,001 |
| Net charge-offs to loans | -0.0068% | 4,417 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9535% | 506 |
| Assets per employee ($millions) | 3.5138% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4321% | 5,583 |
| Loan loss allowance to noncurrent loans | 46.7378% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 2,451 |
| Noncurrent loans to loans | 0.9245% | 2,120 |
| Net loans and leases to total assets | 75.9923% | 1,548 |
| Net loans and leases to deposits | 89.2318% | 1,835 |
| Net loans and leases to core deposits | 89.7904% | 2,547 |
| Total domestic deposits to total assets | 85.1628% | 2,747 |
| Equity capital to assets | 9.5681% | 4,346 |
| Core capital (leverage) ratio | 9.6865% | 3,906 |
| Tier 1 risk-based capital ratio | 17.7247% | 1,944 |
| Total risk-based capital ratio | 18.3390% | 2,082 |
| Memoranda: | ||
| Average total assets | $117,367,670 | 4,002 |
| Average earning assets | $108,389,000 | 4,008 |
| Average equity | $11,345,330 | 4,302 |
| Average total loans | $87,607,330 | 3,625 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,432 |
| Cost of funding earning assets | 0.2380% | 4,654 |
| Net interest margin | 3.3578% | 3,808 |
| Noninterest income to average assets | 0.3920% | 3,724 |
| Noninterest expense to average assets | 3.1844% | 1,655 |
| Loan and lease loss provision to assets | 0.0860% | 2,098 |
| Net operating income to assets | 0.1869% | 5,414 |
| Return on assets (ROA) | 0.1926% | 5,418 |
| Pretax return on assets | 0.2338% | 5,401 |
| Return on Equity (ROE) | 1.9819% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.9819% | 4,341 |
| Net charge-offs to loans | -0.0186% | 4,699 |
| Credit loss provision to net charge-offs | -625.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0521% | 503 |
| Assets per employee ($millions) | 3.6789% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4231% | 5,667 |
| Loan loss allowance to noncurrent loans | 62.1212% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 3,084 |
| Noncurrent loans to loans | 0.6811% | 2,807 |
| Net loans and leases to total assets | 73.7641% | 1,783 |
| Net loans and leases to deposits | 86.6552% | 1,962 |
| Net loans and leases to core deposits | 87.6443% | 2,581 |
| Total domestic deposits to total assets | 85.1237% | 3,035 |
| Equity capital to assets | 9.6251% | 4,159 |
| Core capital (leverage) ratio | 9.9665% | 3,545 |
| Tier 1 risk-based capital ratio | 18.2174% | 1,799 |
| Total risk-based capital ratio | 18.8143% | 1,971 |
| Memoranda: | ||
| Average total assets | $116,316,500 | 4,055 |
| Average earning assets | $107,569,500 | 4,055 |
| Average equity | $11,302,500 | 4,335 |
| Average total loans | $85,820,000 | 3,692 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 4,818 |
| Cost of funding earning assets | 0.2485% | 4,578 |
| Net interest margin | 3.2378% | 4,336 |
| Noninterest income to average assets | 0.5965% | 2,684 |
| Noninterest expense to average assets | 3.2138% | 1,761 |
| Loan and lease loss provision to assets | 0.0729% | 2,895 |
| Net operating income to assets | 0.2388% | 5,337 |
| Return on assets (ROA) | 0.2381% | 5,410 |
| Pretax return on assets | 0.2847% | 5,381 |
| Return on Equity (ROE) | 2.4250% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.4250% | 4,145 |
| Net charge-offs to loans | 0.2538% | 1,088 |
| Credit loss provision to net charge-offs | 41.5000% | 3,486 |
| Earnings coverage of net charge-offs (x) | 2.0400% | 3,894 |
| Efficiency ratio | 89.9656% | 554 |
| Assets per employee ($millions) | 3.5909% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4027% | 5,735 |
| Loan loss allowance to noncurrent loans | 36.5591% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 2,219 |
| Noncurrent loans to loans | 1.1015% | 1,886 |
| Net loans and leases to total assets | 73.1823% | 1,980 |
| Net loans and leases to deposits | 83.7238% | 2,452 |
| Net loans and leases to core deposits | 84.6764% | 2,962 |
| Total domestic deposits to total assets | 87.4092% | 1,927 |
| Equity capital to assets | 9.8112% | 3,927 |
| Core capital (leverage) ratio | 9.8373% | 3,704 |
| Tier 1 risk-based capital ratio | 18.8296% | 1,641 |
| Total risk-based capital ratio | 19.4009% | 1,777 |
| Memoranda: | ||
| Average total assets | $113,821,600 | 4,095 |
| Average earning assets | $104,608,600 | 4,102 |
| Average equity | $11,175,400 | 4,401 |
| Average total loans | $78,802,600 | 3,830 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 4,889 |
| Cost of funding earning assets | 0.2507% | 4,595 |
| Net interest margin | 3.2218% | 4,423 |
| Noninterest income to average assets | 0.6258% | 2,544 |
| Noninterest expense to average assets | 3.3336% | 1,486 |
| Loan and lease loss provision to assets | 0.0669% | 2,881 |
| Net operating income to assets | 0.1761% | 5,506 |
| Return on assets (ROA) | 0.1761% | 5,565 |
| Pretax return on assets | 0.1832% | 5,585 |
| Return on Equity (ROE) | 1.7936% | 5,510 |
| Retained earnings to average equity (ytd only) | 1.7936% | 4,790 |
| Net charge-offs to loans | 0.3428% | 669 |
| Credit loss provision to net charge-offs | 28.6432% | 3,233 |
| Earnings coverage of net charge-offs (x) | 1.0703% | 3,734 |
| Efficiency ratio | 93.0210% | 426 |
| Assets per employee ($millions) | 3.5691% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3941% | 5,801 |
| Loan loss allowance to noncurrent loans | 48.3871% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 2,864 |
| Noncurrent loans to loans | 0.8144% | 2,635 |
| Net loans and leases to total assets | 69.7140% | 2,532 |
| Net loans and leases to deposits | 78.3571% | 3,150 |
| Net loans and leases to core deposits | 79.6457% | 3,483 |
| Total domestic deposits to total assets | 88.9695% | 924 |
| Equity capital to assets | 9.8870% | 4,261 |
| Core capital (leverage) ratio | 9.7577% | 3,865 |
| Tier 1 risk-based capital ratio | 19.0083% | 1,668 |
| Total risk-based capital ratio | 19.5504% | 1,806 |
| Memoranda: | ||
| Average total assets | $113,549,750 | 4,131 |
| Average earning assets | $104,244,500 | 4,137 |
| Average equity | $11,150,750 | 4,448 |
| Average total loans | $77,395,000 | 3,893 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4661% | 4,949 |
| Cost of funding earning assets | 0.2518% | 4,642 |
| Net interest margin | 3.2143% | 4,501 |
| Noninterest income to average assets | 0.6830% | 2,219 |
| Noninterest expense to average assets | 3.4395% | 1,293 |
| Loan and lease loss provision to assets | 0.0388% | 3,381 |
| Net operating income to assets | 0.1624% | 5,591 |
| Return on assets (ROA) | 0.1624% | 5,641 |
| Pretax return on assets | 0.1553% | 5,663 |
| Return on Equity (ROE) | 1.6571% | 5,582 |
| Retained earnings to average equity (ytd only) | 1.6571% | 4,719 |
| Net charge-offs to loans | 0.5199% | 410 |
| Credit loss provision to net charge-offs | 11.0553% | 2,989 |
| Earnings coverage of net charge-offs (x) | 0.5528% | 3,511 |
| Efficiency ratio | 94.6576% | 392 |
| Assets per employee ($millions) | 3.5191% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3612% | 5,907 |
| Loan loss allowance to noncurrent loans | 47.8559% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 3,343 |
| Noncurrent loans to loans | 0.7549% | 2,855 |
| Net loans and leases to total assets | 68.3367% | 2,732 |
| Net loans and leases to deposits | 77.1368% | 3,247 |
| Net loans and leases to core deposits | 78.4348% | 3,613 |
| Total domestic deposits to total assets | 88.5916% | 1,120 |
| Equity capital to assets | 9.9964% | 4,231 |
| Core capital (leverage) ratio | 9.8596% | 3,735 |
| Tier 1 risk-based capital ratio | 19.4763% | 1,576 |
| Total risk-based capital ratio | 19.9724% | 1,715 |
| Memoranda: | ||
| Average total assets | $113,329,330 | 4,164 |
| Average earning assets | $104,035,330 | 4,173 |
| Average equity | $11,103,670 | 4,478 |
| Average total loans | $76,548,000 | 3,935 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 5,056 |
| Cost of funding earning assets | 0.2525% | 4,677 |
| Net interest margin | 3.1755% | 4,653 |
| Noninterest income to average assets | 0.8901% | 1,339 |
| Noninterest expense to average assets | 3.6661% | 940 |
| Loan and lease loss provision to assets | 0.0246% | 3,358 |
| Net operating income to assets | 0.1618% | 5,595 |
| Return on assets (ROA) | 0.1618% | 5,652 |
| Pretax return on assets | 0.1196% | 5,721 |
| Return on Equity (ROE) | 1.6686% | 5,586 |
| Retained earnings to average equity (ytd only) | 1.6686% | 4,610 |
| Net charge-offs to loans | 0.7506% | 276 |
| Credit loss provision to net charge-offs | 4.8951% | 2,396 |
| Earnings coverage of net charge-offs (x) | 0.2867% | 2,945 |
| Efficiency ratio | 96.2142% | 391 |
| Assets per employee ($millions) | 3.2669% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4208% | 5,932 |
| Loan loss allowance to noncurrent loans | 40.8397% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 2,415 |
| Noncurrent loans to loans | 1.0304% | 2,320 |
| Net loans and leases to total assets | 68.3848% | 2,601 |
| Net loans and leases to deposits | 77.1043% | 3,095 |
| Net loans and leases to core deposits | 78.4194% | 3,459 |
| Total domestic deposits to total assets | 88.6912% | 1,248 |
| Equity capital to assets | 10.0817% | 3,970 |
| Core capital (leverage) ratio | 9.6968% | 3,916 |
| Tier 1 risk-based capital ratio | 19.7453% | 1,559 |
| Total risk-based capital ratio | 20.3243% | 1,679 |
| Memoranda: | ||
| Average total assets | $113,689,000 | 4,186 |
| Average earning assets | $104,549,000 | 4,198 |
| Average equity | $11,027,000 | 4,500 |
| Average total loans | $76,205,500 | 3,957 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3161% | 5,317 |
| Cost of funding earning assets | 0.2842% | 4,426 |
| Net interest margin | 3.0320% | 5,065 |
| Noninterest income to average assets | 0.4758% | 3,494 |
| Noninterest expense to average assets | 3.1701% | 2,035 |
| Loan and lease loss provision to assets | 0.0115% | 4,179 |
| Net operating income to assets | 0.1125% | 5,740 |
| Return on assets (ROA) | 0.1196% | 5,772 |
| Pretax return on assets | 0.0806% | 5,812 |
| Return on Equity (ROE) | 1.2460% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.2460% | 5,006 |
| Net charge-offs to loans | 0.0224% | 3,815 |
| Credit loss provision to net charge-offs | 81.2500% | 2,926 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,294 |
| Efficiency ratio | 97.3870% | 356 |
| Assets per employee ($millions) | 3.4207% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6003% | 5,798 |
| Loan loss allowance to noncurrent loans | 69.4529% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 2,501 |
| Noncurrent loans to loans | 0.8643% | 2,621 |
| Net loans and leases to total assets | 65.0669% | 3,109 |
| Net loans and leases to deposits | 72.9780% | 3,616 |
| Net loans and leases to core deposits | 74.5180% | 3,887 |
| Total domestic deposits to total assets | 89.1595% | 1,041 |
| Equity capital to assets | 9.3341% | 4,748 |
| Core capital (leverage) ratio | 9.5209% | 4,144 |
| Tier 1 risk-based capital ratio | 19.3778% | 1,616 |
| Total risk-based capital ratio | 20.1902% | 1,680 |
| Memoranda: | ||
| Average total assets | $112,866,800 | 4,197 |
| Average earning assets | $103,463,600 | 4,200 |
| Average equity | $10,834,400 | 4,513 |
| Average total loans | $71,308,400 | 4,062 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 5,356 |
| Cost of funding earning assets | 0.2912% | 4,443 |
| Net interest margin | 3.0402% | 5,100 |
| Noninterest income to average assets | 0.4928% | 3,419 |
| Noninterest expense to average assets | 3.1914% | 1,991 |
| Loan and lease loss provision to assets | 0.0119% | 4,033 |
| Net operating income to assets | 0.0952% | 5,851 |
| Return on assets (ROA) | 0.0952% | 5,891 |
| Pretax return on assets | 0.0738% | 5,911 |
| Return on Equity (ROE) | 0.9849% | 5,861 |
| Retained earnings to average equity (ytd only) | 0.9849% | 5,323 |
| Net charge-offs to loans | 0.0304% | 3,322 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | 4.5007% | 3,339 |
| Efficiency ratio | 97.3847% | 376 |
| Assets per employee ($millions) | 3.1972% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 5,864 |
| Loan loss allowance to noncurrent loans | 41.1232% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 2,233 |
| Noncurrent loans to loans | 1.5061% | 1,670 |
| Net loans and leases to total assets | 65.0995% | 3,139 |
| Net loans and leases to deposits | 73.1844% | 3,630 |
| Net loans and leases to core deposits | 74.8085% | 3,927 |
| Total domestic deposits to total assets | 88.9527% | 1,047 |
| Equity capital to assets | 9.6988% | 4,519 |
| Core capital (leverage) ratio | 9.4688% | 4,343 |
| Tier 1 risk-based capital ratio | 19.8699% | 1,584 |
| Total risk-based capital ratio | 20.7017% | 1,645 |
| Memoranda: | ||
| Average total assets | $112,007,250 | 4,264 |
| Average earning assets | $102,578,750 | 4,267 |
| Average equity | $10,829,000 | 4,565 |
| Average total loans | $70,102,250 | 4,132 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,387 |
| Cost of funding earning assets | 0.2959% | 4,436 |
| Net interest margin | 3.0312% | 5,149 |
| Noninterest income to average assets | 0.4820% | 3,489 |
| Noninterest expense to average assets | 3.1149% | 2,199 |
| Loan and lease loss provision to assets | 0.0125% | 3,869 |
| Net operating income to assets | 0.1357% | 5,833 |
| Return on assets (ROA) | 0.1357% | 5,871 |
| Pretax return on assets | 0.1339% | 5,901 |
| Return on Equity (ROE) | 1.4047% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.4047% | 4,987 |
| Net charge-offs to loans | 0.0406% | 2,874 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,871 |
| Efficiency ratio | 95.5118% | 453 |
| Assets per employee ($millions) | 3.4701% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6408% | 5,909 |
| Loan loss allowance to noncurrent loans | 36.1821% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1405% | 2,230 |
| Noncurrent loans to loans | 1.7710% | 1,445 |
| Net loans and leases to total assets | 61.3412% | 3,646 |
| Net loans and leases to deposits | 68.9678% | 4,036 |
| Net loans and leases to core deposits | 70.4664% | 4,282 |
| Total domestic deposits to total assets | 88.9418% | 1,167 |
| Equity capital to assets | 9.4182% | 4,755 |
| Core capital (leverage) ratio | 9.2001% | 4,693 |
| Tier 1 risk-based capital ratio | 20.0344% | 1,533 |
| Total risk-based capital ratio | 20.8714% | 1,608 |
| Memoranda: | ||
| Average total assets | $112,042,670 | 4,297 |
| Average earning assets | $102,731,670 | 4,304 |
| Average equity | $10,821,000 | 4,600 |
| Average total loans | $69,036,000 | 4,188 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3714% | 5,276 |
| Cost of funding earning assets | 0.3040% | 4,398 |
| Net interest margin | 3.0674% | 5,035 |
| Noninterest income to average assets | 0.5306% | 3,087 |
| Noninterest expense to average assets | 3.1694% | 2,064 |
| Loan and lease loss provision to assets | 0.0108% | 3,583 |
| Net operating income to assets | 0.1480% | 5,796 |
| Return on assets (ROA) | 0.1480% | 5,868 |
| Pretax return on assets | 0.1552% | 5,890 |
| Return on Equity (ROE) | 1.5131% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.5131% | 4,882 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0216% | 543 |
| Assets per employee ($millions) | 3.4215% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 5,959 |
| Loan loss allowance to noncurrent loans | 35.6481% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 2,171 |
| Noncurrent loans to loans | 1.8746% | 1,431 |
| Net loans and leases to total assets | 60.8201% | 3,550 |
| Net loans and leases to deposits | 68.5342% | 3,906 |
| Net loans and leases to core deposits | 69.8653% | 4,169 |
| Total domestic deposits to total assets | 88.7441% | 1,426 |
| Equity capital to assets | 9.7237% | 4,475 |
| Core capital (leverage) ratio | 9.6046% | 4,142 |
| Tier 1 risk-based capital ratio | 20.3135% | 1,555 |
| Total risk-based capital ratio | 21.1819% | 1,603 |
| Memoranda: | ||
| Average total assets | $110,808,000 | 4,351 |
| Average earning assets | $101,324,000 | 4,359 |
| Average equity | $10,839,000 | 4,629 |
| Average total loans | $68,206,000 | 4,226 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 5,683 |
| Cost of funding earning assets | 0.3347% | 4,437 |
| Net interest margin | 2.9805% | 5,487 |
| Noninterest income to average assets | 0.5128% | 3,401 |
| Noninterest expense to average assets | 3.1550% | 2,340 |
| Loan and lease loss provision to assets | 0.0119% | 4,385 |
| Net operating income to assets | 0.0708% | 5,992 |
| Return on assets (ROA) | 0.0708% | 6,020 |
| Pretax return on assets | 0.0790% | 6,009 |
| Return on Equity (ROE) | 0.7272% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.7272% | 5,438 |
| Net charge-offs to loans | 0.0523% | 3,786 |
| Credit loss provision to net charge-offs | 38.2353% | 3,707 |
| Earnings coverage of net charge-offs (x) | 2.9118% | 4,030 |
| Efficiency ratio | 97.1971% | 458 |
| Assets per employee ($millions) | 3.1972% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 6,022 |
| Loan loss allowance to noncurrent loans | 33.6510% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3422% | 2,090 |
| Noncurrent loans to loans | 2.0274% | 1,365 |
| Net loans and leases to total assets | 61.4676% | 3,578 |
| Net loans and leases to deposits | 69.0671% | 4,024 |
| Net loans and leases to core deposits | 70.6481% | 4,260 |
| Total domestic deposits to total assets | 88.9969% | 1,238 |
| Equity capital to assets | 9.8421% | 4,299 |
| Core capital (leverage) ratio | 9.9029% | 3,706 |
| Tier 1 risk-based capital ratio | 17.3991% | 2,354 |
| Total risk-based capital ratio | 18.1410% | 2,502 |
| Memoranda: | ||
| Average total assets | $108,812,600 | 4,400 |
| Average earning assets | $99,780,400 | 4,394 |
| Average equity | $10,589,000 | 4,638 |
| Average total loans | $64,959,400 | 4,333 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3017% | 5,767 |
| Cost of funding earning assets | 0.3376% | 4,497 |
| Net interest margin | 2.9640% | 5,575 |
| Noninterest income to average assets | 0.5072% | 3,497 |
| Noninterest expense to average assets | 3.1581% | 2,296 |
| Loan and lease loss provision to assets | 0.0122% | 4,172 |
| Net operating income to assets | 0.0478% | 6,091 |
| Return on assets (ROA) | 0.0478% | 6,119 |
| Pretax return on assets | 0.0576% | 6,108 |
| Return on Equity (ROE) | 0.4924% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.4924% | 5,671 |
| Net charge-offs to loans | 0.0414% | 3,670 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.8496% | 3,808 |
| Efficiency ratio | 97.8368% | 438 |
| Assets per employee ($millions) | 3.0898% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 6,073 |
| Loan loss allowance to noncurrent loans | 35.4936% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 1.3149% | 2,351 |
| Noncurrent loans to loans | 2.0141% | 1,571 |
| Net loans and leases to total assets | 60.4894% | 3,704 |
| Net loans and leases to deposits | 67.9375% | 4,134 |
| Net loans and leases to core deposits | 69.6238% | 4,362 |
| Total domestic deposits to total assets | 89.0367% | 1,218 |
| Equity capital to assets | 9.8028% | 4,420 |
| Core capital (leverage) ratio | 9.9193% | 3,781 |
| Tier 1 risk-based capital ratio | 17.6364% | 2,343 |
| Total risk-based capital ratio | 18.4108% | 2,502 |
| Memoranda: | ||
| Average total assets | $108,839,250 | 4,446 |
| Average earning assets | $99,906,250 | 4,441 |
| Average equity | $10,561,500 | 4,676 |
| Average total loans | $64,379,750 | 4,391 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2529% | 5,868 |
| Cost of funding earning assets | 0.3388% | 4,550 |
| Net interest margin | 2.9141% | 5,715 |
| Noninterest income to average assets | 0.5226% | 3,317 |
| Noninterest expense to average assets | 3.1942% | 2,213 |
| Loan and lease loss provision to assets | 0.0128% | 4,001 |
| Net operating income to assets | 0.0055% | 6,178 |
| Return on assets (ROA) | 0.0055% | 6,201 |
| Pretax return on assets | -0.0037% | 6,199 |
| Return on Equity (ROE) | 0.0569% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.0569% | 5,655 |
| Net charge-offs to loans | 0.0814% | 2,875 |
| Credit loss provision to net charge-offs | 26.9231% | 3,094 |
| Earnings coverage of net charge-offs (x) | 0.1923% | 4,097 |
| Efficiency ratio | 99.7138% | 415 |
| Assets per employee ($millions) | 3.0343% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 6,134 |
| Loan loss allowance to noncurrent loans | 26.2351% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 1.7000% | 1,921 |
| Noncurrent loans to loans | 2.7638% | 1,087 |
| Net loans and leases to total assets | 57.9058% | 4,003 |
| Net loans and leases to deposits | 64.9472% | 4,383 |
| Net loans and leases to core deposits | 66.5446% | 4,588 |
| Total domestic deposits to total assets | 89.1583% | 1,273 |
| Equity capital to assets | 9.7147% | 4,469 |
| Core capital (leverage) ratio | 9.7880% | 3,904 |
| Tier 1 risk-based capital ratio | 18.1704% | 2,181 |
| Total risk-based capital ratio | 18.9555% | 2,316 |
| Memoranda: | ||
| Average total assets | $109,071,330 | 4,462 |
| Average earning assets | $100,340,000 | 4,462 |
| Average equity | $10,548,330 | 4,695 |
| Average total loans | $63,877,670 | 4,426 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2836% | 5,873 |
| Cost of funding earning assets | 0.3435% | 4,604 |
| Net interest margin | 2.9401% | 5,669 |
| Noninterest income to average assets | 0.4808% | 3,559 |
| Noninterest expense to average assets | 3.2370% | 2,105 |
| Loan and lease loss provision to assets | 0.0147% | 3,636 |
| Net operating income to assets | -0.0440% | 6,245 |
| Return on assets (ROA) | -0.0440% | 6,252 |
| Pretax return on assets | -0.0697% | 6,266 |
| Return on Equity (ROE) | -0.4564% | 6,254 |
| Retained earnings to average equity (ytd only) | -0.4564% | 5,635 |
| Net charge-offs to loans | 0.1626% | 1,743 |
| Credit loss provision to net charge-offs | 15.3846% | 2,558 |
| Earnings coverage of net charge-offs (x) | -0.5769% | 3,486 |
| Efficiency ratio | 101.7301% | 433 |
| Assets per employee ($millions) | 2.9930% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 6,255 |
| Loan loss allowance to noncurrent loans | 40.5119% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 3,038 |
| Noncurrent loans to loans | 1.7752% | 2,171 |
| Net loans and leases to total assets | 57.2205% | 3,967 |
| Net loans and leases to deposits | 63.9634% | 4,317 |
| Net loans and leases to core deposits | 65.3676% | 4,566 |
| Total domestic deposits to total assets | 89.4582% | 1,387 |
| Equity capital to assets | 9.5042% | 4,495 |
| Core capital (leverage) ratio | 9.6406% | 4,079 |
| Tier 1 risk-based capital ratio | 18.0091% | 2,293 |
| Total risk-based capital ratio | 18.7834% | 2,441 |
| Memoranda: | ||
| Average total assets | $108,989,000 | 4,506 |
| Average earning assets | $100,133,500 | 4,506 |
| Average equity | $10,516,500 | 4,724 |
| Average total loans | $63,958,500 | 4,460 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 6,094 |
| Cost of funding earning assets | 0.4038% | 4,607 |
| Net interest margin | 2.8321% | 5,927 |
| Noninterest income to average assets | 0.8279% | 1,947 |
| Noninterest expense to average assets | 3.2632% | 2,238 |
| Loan and lease loss provision to assets | 0.0710% | 3,703 |
| Net operating income to assets | 0.1888% | 5,857 |
| Return on assets (ROA) | 0.1888% | 5,923 |
| Pretax return on assets | 0.0917% | 6,102 |
| Return on Equity (ROE) | 2.0127% | 5,835 |
| Retained earnings to average equity (ytd only) | 2.0127% | 4,802 |
| Net charge-offs to loans | 0.1053% | 3,777 |
| Credit loss provision to net charge-offs | 114.4928% | 2,108 |
| Earnings coverage of net charge-offs (x) | 2.6232% | 4,122 |
| Efficiency ratio | 95.2506% | 686 |
| Assets per employee ($millions) | 2.8983% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 6,267 |
| Loan loss allowance to noncurrent loans | 44.7858% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 3,227 |
| Noncurrent loans to loans | 1.6757% | 2,396 |
| Net loans and leases to total assets | 59.3176% | 3,824 |
| Net loans and leases to deposits | 66.4914% | 4,245 |
| Net loans and leases to core deposits | 68.0077% | 4,514 |
| Total domestic deposits to total assets | 89.2109% | 1,482 |
| Equity capital to assets | 9.7988% | 4,043 |
| Core capital (leverage) ratio | 9.9759% | 3,608 |
| Tier 1 risk-based capital ratio | 18.1818% | 2,190 |
| Total risk-based capital ratio | 18.9993% | 2,295 |
| Memoranda: | ||
| Average total assets | $111,241,200 | 4,472 |
| Average earning assets | $102,043,200 | 4,459 |
| Average equity | $10,433,600 | 4,758 |
| Average total loans | $65,516,400 | 4,430 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1890% | 6,212 |
| Cost of funding earning assets | 0.4143% | 4,682 |
| Net interest margin | 2.7747% | 6,054 |
| Noninterest income to average assets | 0.8862% | 1,804 |
| Noninterest expense to average assets | 3.2322% | 2,257 |
| Loan and lease loss provision to assets | 0.0903% | 3,257 |
| Net operating income to assets | 0.2364% | 5,817 |
| Return on assets (ROA) | 0.2364% | 5,903 |
| Pretax return on assets | 0.1093% | 6,203 |
| Return on Equity (ROE) | 2.5476% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.5476% | 4,795 |
| Net charge-offs to loans | 0.0506% | 4,185 |
| Credit loss provision to net charge-offs | 304.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 6.7204% | 2,920 |
| Efficiency ratio | 94.1848% | 727 |
| Assets per employee ($millions) | 2.8737% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 6,266 |
| Loan loss allowance to noncurrent loans | 31.3514% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6127% | 2,534 |
| Noncurrent loans to loans | 2.5773% | 1,655 |
| Net loans and leases to total assets | 58.6819% | 3,897 |
| Net loans and leases to deposits | 65.8196% | 4,328 |
| Net loans and leases to core deposits | 67.3385% | 4,588 |
| Total domestic deposits to total assets | 89.1556% | 1,477 |
| Equity capital to assets | 9.5999% | 4,415 |
| Core capital (leverage) ratio | 9.7876% | 3,979 |
| Tier 1 risk-based capital ratio | 18.1537% | 2,266 |
| Total risk-based capital ratio | 19.0403% | 2,376 |
| Memoranda: | ||
| Average total assets | $112,242,000 | 4,503 |
| Average earning assets | $102,976,000 | 4,477 |
| Average equity | $10,415,000 | 4,811 |
| Average total loans | $65,872,500 | 4,451 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1965% | 6,235 |
| Cost of funding earning assets | 0.4234% | 4,727 |
| Net interest margin | 2.7731% | 6,057 |
| Noninterest income to average assets | 1.1779% | 1,093 |
| Noninterest expense to average assets | 3.2245% | 2,293 |
| Loan and lease loss provision to assets | 0.0883% | 3,314 |
| Net operating income to assets | 0.2790% | 5,670 |
| Return on assets (ROA) | 0.2790% | 5,806 |
| Pretax return on assets | 0.4097% | 5,620 |
| Return on Equity (ROE) | 3.0407% | 5,608 |
| Retained earnings to average equity (ytd only) | 3.0407% | 4,384 |
| Net charge-offs to loans | -0.0241% | 6,036 |
| Credit loss provision to net charge-offs | -625.0000% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6224% | 1,355 |
| Assets per employee ($millions) | 2.9194% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 6,304 |
| Loan loss allowance to noncurrent loans | 26.5163% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 1.9957% | 2,155 |
| Noncurrent loans to loans | 3.1151% | 1,418 |
| Net loans and leases to total assets | 57.2528% | 4,103 |
| Net loans and leases to deposits | 63.9315% | 4,515 |
| Net loans and leases to core deposits | 65.3779% | 4,755 |
| Total domestic deposits to total assets | 89.5534% | 1,291 |
| Equity capital to assets | 9.3306% | 4,813 |
| Core capital (leverage) ratio | 9.5965% | 4,087 |
| Tier 1 risk-based capital ratio | 18.4881% | 2,148 |
| Total risk-based capital ratio | 19.4068% | 2,229 |
| Memoranda: | ||
| Average total assets | $113,256,330 | 4,504 |
| Average earning assets | $103,927,000 | 4,477 |
| Average equity | $10,392,330 | 4,852 |
| Average total loans | $66,296,000 | 4,454 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 6,116 |
| Cost of funding earning assets | 0.4393% | 4,709 |
| Net interest margin | 2.8804% | 5,857 |
| Noninterest income to average assets | 1.5208% | 668 |
| Noninterest expense to average assets | 3.2513% | 2,198 |
| Loan and lease loss provision to assets | 0.0874% | 3,207 |
| Net operating income to assets | 0.5489% | 4,463 |
| Return on assets (ROA) | 0.5489% | 4,614 |
| Pretax return on assets | 0.8181% | 4,101 |
| Return on Equity (ROE) | 6.0309% | 4,033 |
| Retained earnings to average equity (ytd only) | 6.0309% | 2,665 |
| Net charge-offs to loans | -0.3738% | 6,809 |
| Credit loss provision to net charge-offs | -39.6825% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2170% | 2,573 |
| Assets per employee ($millions) | 2.8667% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 6,351 |
| Loan loss allowance to noncurrent loans | 49.4690% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 2,827 |
| Noncurrent loans to loans | 1.7348% | 2,951 |
| Net loans and leases to total assets | 57.7625% | 3,806 |
| Net loans and leases to deposits | 64.6217% | 4,242 |
| Net loans and leases to core deposits | 66.0763% | 4,521 |
| Total domestic deposits to total assets | 89.3856% | 1,430 |
| Equity capital to assets | 9.3792% | 5,021 |
| Core capital (leverage) ratio | 9.5169% | 4,053 |
| Tier 1 risk-based capital ratio | 18.1790% | 2,293 |
| Total risk-based capital ratio | 19.1341% | 2,376 |
| Memoranda: | ||
| Average total assets | $114,416,500 | 4,515 |
| Average earning assets | $104,708,500 | 4,501 |
| Average equity | $10,413,000 | 4,902 |
| Average total loans | $67,422,500 | 4,442 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6252% | 6,176 |
| Cost of funding earning assets | 0.5697% | 4,651 |
| Net interest margin | 3.0554% | 5,916 |
| Noninterest income to average assets | 0.9791% | 1,599 |
| Noninterest expense to average assets | 3.3764% | 2,114 |
| Loan and lease loss provision to assets | 0.0807% | 4,691 |
| Net operating income to assets | 0.2116% | 5,754 |
| Return on assets (ROA) | 0.2116% | 5,938 |
| Pretax return on assets | 0.3310% | 5,764 |
| Return on Equity (ROE) | 2.5514% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.5514% | 4,433 |
| Net charge-offs to loans | 0.1319% | 4,353 |
| Credit loss provision to net charge-offs | 98.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,182 |
| Efficiency ratio | 89.1304% | 1,138 |
| Assets per employee ($millions) | 2.8544% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6757% | 6,662 |
| Loan loss allowance to noncurrent loans | 30.1923% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 1.7568% | 2,767 |
| Noncurrent loans to loans | 2.2379% | 2,421 |
| Net loans and leases to total assets | 59.1599% | 3,766 |
| Net loans and leases to deposits | 65.6969% | 4,332 |
| Net loans and leases to core deposits | 67.1256% | 4,629 |
| Total domestic deposits to total assets | 90.0497% | 922 |
| Equity capital to assets | 8.8352% | 5,707 |
| Core capital (leverage) ratio | 8.9651% | 4,957 |
| Tier 1 risk-based capital ratio | 20.5613% | 1,552 |
| Total risk-based capital ratio | 21.4843% | 1,591 |
| Memoranda: | ||
| Average total assets | $121,432,800 | 4,333 |
| Average earning assets | $111,636,600 | 4,301 |
| Average equity | $10,072,800 | 4,969 |
| Average total loans | $75,798,600 | 4,159 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6144% | 6,374 |
| Cost of funding earning assets | 0.5863% | 4,778 |
| Net interest margin | 3.0282% | 6,110 |
| Noninterest income to average assets | 0.8096% | 2,198 |
| Noninterest expense to average assets | 3.4493% | 1,884 |
| Loan and lease loss provision to assets | 0.0762% | 4,691 |
| Net operating income to assets | 0.0305% | 6,239 |
| Return on assets (ROA) | 0.0305% | 6,373 |
| Pretax return on assets | 0.0718% | 6,308 |
| Return on Equity (ROE) | 0.3731% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.3731% | 5,975 |
| Net charge-offs to loans | 0.0879% | 4,502 |
| Credit loss provision to net charge-offs | 137.2549% | 2,101 |
| Earnings coverage of net charge-offs (x) | 2.6666% | 3,971 |
| Efficiency ratio | 95.8863% | 681 |
| Assets per employee ($millions) | 2.8126% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 6,796 |
| Loan loss allowance to noncurrent loans | 29.9088% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 2,945 |
| Noncurrent loans to loans | 2.2075% | 2,610 |
| Net loans and leases to total assets | 61.2082% | 3,529 |
| Net loans and leases to deposits | 67.5996% | 4,244 |
| Net loans and leases to core deposits | 69.0293% | 4,607 |
| Total domestic deposits to total assets | 90.5451% | 582 |
| Equity capital to assets | 8.3610% | 6,376 |
| Core capital (leverage) ratio | 8.4866% | 5,766 |
| Tier 1 risk-based capital ratio | 19.1225% | 1,971 |
| Total risk-based capital ratio | 20.0391% | 2,043 |
| Memoranda: | ||
| Average total assets | $122,533,000 | 4,338 |
| Average earning assets | $112,805,000 | 4,324 |
| Average equity | $10,006,000 | 5,025 |
| Average total loans | $77,321,500 | 4,155 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6421% | 6,432 |
| Cost of funding earning assets | 0.6035% | 4,875 |
| Net interest margin | 3.0386% | 6,149 |
| Noninterest income to average assets | 0.6745% | 2,808 |
| Noninterest expense to average assets | 3.2796% | 2,363 |
| Loan and lease loss provision to assets | 0.0731% | 4,714 |
| Net operating income to assets | 0.0861% | 6,192 |
| Return on assets (ROA) | 0.0861% | 6,338 |
| Pretax return on assets | 0.1203% | 6,284 |
| Return on Equity (ROE) | 1.0631% | 6,290 |
| Retained earnings to average equity (ytd only) | 1.0631% | 5,648 |
| Net charge-offs to loans | 0.1303% | 3,883 |
| Credit loss provision to net charge-offs | 88.2353% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,834 |
| Efficiency ratio | 94.4314% | 783 |
| Assets per employee ($millions) | 2.7551% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 6,932 |
| Loan loss allowance to noncurrent loans | 28.2688% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 3,119 |
| Noncurrent loans to loans | 2.1336% | 2,783 |
| Net loans and leases to total assets | 62.0740% | 3,418 |
| Net loans and leases to deposits | 68.3263% | 4,144 |
| Net loans and leases to core deposits | 69.5640% | 4,584 |
| Total domestic deposits to total assets | 90.8494% | 505 |
| Equity capital to assets | 8.0940% | 6,518 |
| Core capital (leverage) ratio | 8.3005% | 5,909 |
| Tier 1 risk-based capital ratio | 17.6086% | 2,433 |
| Total risk-based capital ratio | 18.4077% | 2,567 |
| Memoranda: | ||
| Average total assets | $123,063,000 | 4,352 |
| Average earning assets | $113,342,330 | 4,326 |
| Average equity | $9,970,670 | 5,039 |
| Average total loans | $78,255,670 | 4,145 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 6,566 |
| Cost of funding earning assets | 0.6243% | 4,936 |
| Net interest margin | 2.9832% | 6,327 |
| Noninterest income to average assets | 0.3589% | 5,004 |
| Noninterest expense to average assets | 3.2723% | 2,378 |
| Loan and lease loss provision to assets | 0.0848% | 4,321 |
| Net operating income to assets | -0.1794% | 6,609 |
| Return on assets (ROA) | -0.1794% | 6,667 |
| Pretax return on assets | -0.2545% | 6,703 |
| Return on Equity (ROE) | -2.2136% | 6,706 |
| Retained earnings to average equity (ytd only) | -2.2136% | 6,311 |
| Net charge-offs to loans | 0.3559% | 2,235 |
| Credit loss provision to net charge-offs | 37.1429% | 3,496 |
| Earnings coverage of net charge-offs (x) | -0.7429% | 4,531 |
| Efficiency ratio | 105.4679% | 421 |
| Assets per employee ($millions) | 2.8701% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5419% | 7,033 |
| Loan loss allowance to noncurrent loans | 21.7215% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 2.0103% | 2,882 |
| Noncurrent loans to loans | 2.4950% | 2,612 |
| Net loans and leases to total assets | 63.7939% | 2,893 |
| Net loans and leases to deposits | 70.0800% | 3,726 |
| Net loans and leases to core deposits | 71.1105% | 4,273 |
| Total domestic deposits to total assets | 91.0301% | 544 |
| Equity capital to assets | 8.0299% | 6,505 |
| Core capital (leverage) ratio | 8.2479% | 5,958 |
| Tier 1 risk-based capital ratio | 17.1453% | 2,625 |
| Total risk-based capital ratio | 17.8679% | 2,816 |
| Memoranda: | ||
| Average total assets | $122,604,000 | 4,389 |
| Average earning assets | $112,764,000 | 4,360 |
| Average equity | $9,938,500 | 5,058 |
| Average total loans | $78,670,000 | 4,162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 6,430 |
| Cost of funding earning assets | 0.8284% | 4,644 |
| Net interest margin | 3.1835% | 6,144 |
| Noninterest income to average assets | 0.7249% | 2,476 |
| Noninterest expense to average assets | 3.5062% | 1,963 |
| Loan and lease loss provision to assets | 0.2011% | 4,173 |
| Net operating income to assets | -0.0474% | 6,101 |
| Return on assets (ROA) | 0.0433% | 6,084 |
| Pretax return on assets | 0.0262% | 6,077 |
| Return on Equity (ROE) | 0.5334% | 6,051 |
| Retained earnings to average equity (ytd only) | 0.5334% | 5,595 |
| Net charge-offs to loans | 0.2793% | 4,026 |
| Credit loss provision to net charge-offs | 106.4935% | 3,188 |
| Earnings coverage of net charge-offs (x) | 0.7229% | 5,271 |
| Efficiency ratio | 96.2531% | 812 |
| Assets per employee ($millions) | 2.7066% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6050% | 7,011 |
| Loan loss allowance to noncurrent loans | 27.4840% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 2.1635% | 2,775 |
| Noncurrent loans to loans | 2.2013% | 2,946 |
| Net loans and leases to total assets | 63.8023% | 3,231 |
| Net loans and leases to deposits | 70.2801% | 4,050 |
| Net loans and leases to core deposits | 71.8461% | 4,549 |
| Total domestic deposits to total assets | 90.7829% | 591 |
| Equity capital to assets | 8.1834% | 6,447 |
| Core capital (leverage) ratio | 8.4012% | 5,712 |
| Tier 1 risk-based capital ratio | 18.2698% | 2,116 |
| Total risk-based capital ratio | 19.1162% | 2,212 |
| Memoranda: | ||
| Average total assets | $122,355,800 | 4,336 |
| Average earning assets | $112,140,600 | 4,329 |
| Average equity | $9,936,200 | 5,038 |
| Average total loans | $82,693,600 | 4,059 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 6,345 |
| Cost of funding earning assets | 0.8744% | 4,599 |
| Net interest margin | 3.2566% | 5,996 |
| Noninterest income to average assets | 0.6944% | 2,638 |
| Noninterest expense to average assets | 3.6147% | 1,677 |
| Loan and lease loss provision to assets | 0.2253% | 3,756 |
| Net operating income to assets | -0.0795% | 6,259 |
| Return on assets (ROA) | -0.0022% | 6,259 |
| Pretax return on assets | -0.0414% | 6,270 |
| Return on Equity (ROE) | -0.0269% | 6,262 |
| Retained earnings to average equity (ytd only) | -0.0269% | 5,962 |
| Net charge-offs to loans | 0.3213% | 3,499 |
| Credit loss provision to net charge-offs | 102.4752% | 3,252 |
| Earnings coverage of net charge-offs (x) | 0.2871% | 5,386 |
| Efficiency ratio | 98.2835% | 725 |
| Assets per employee ($millions) | 2.6597% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 7,081 |
| Loan loss allowance to noncurrent loans | 29.8643% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 2.0483% | 3,079 |
| Noncurrent loans to loans | 2.0117% | 3,349 |
| Net loans and leases to total assets | 62.4751% | 3,616 |
| Net loans and leases to deposits | 68.6938% | 4,484 |
| Net loans and leases to core deposits | 70.6109% | 4,874 |
| Total domestic deposits to total assets | 90.9471% | 449 |
| Equity capital to assets | 8.0998% | 6,638 |
| Core capital (leverage) ratio | 8.3181% | 5,951 |
| Tier 1 risk-based capital ratio | 18.1069% | 2,216 |
| Total risk-based capital ratio | 18.9289% | 2,339 |
| Memoranda: | ||
| Average total assets | $122,496,000 | 4,355 |
| Average earning assets | $112,221,750 | 4,353 |
| Average equity | $9,928,500 | 5,053 |
| Average total loans | $83,821,750 | 4,067 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 6,015 |
| Cost of funding earning assets | 0.9204% | 4,518 |
| Net interest margin | 3.3820% | 5,604 |
| Noninterest income to average assets | 0.5353% | 3,594 |
| Noninterest expense to average assets | 3.3277% | 2,466 |
| Loan and lease loss provision to assets | 0.2970% | 3,026 |
| Net operating income to assets | 0.0047% | 6,215 |
| Return on assets (ROA) | 0.0555% | 6,186 |
| Pretax return on assets | 0.0620% | 6,166 |
| Return on Equity (ROE) | 0.6845% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.6845% | 5,578 |
| Net charge-offs to loans | 0.3413% | 3,196 |
| Credit loss provision to net charge-offs | 123.8095% | 2,461 |
| Earnings coverage of net charge-offs (x) | 1.2585% | 4,344 |
| Efficiency ratio | 91.6817% | 1,110 |
| Assets per employee ($millions) | 2.5479% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 7,173 |
| Loan loss allowance to noncurrent loans | 28.7129% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 2.2943% | 2,861 |
| Noncurrent loans to loans | 1.9963% | 3,482 |
| Net loans and leases to total assets | 69.9226% | 2,235 |
| Net loans and leases to deposits | 77.0782% | 3,282 |
| Net loans and leases to core deposits | 78.8021% | 3,961 |
| Total domestic deposits to total assets | 90.7163% | 630 |
| Equity capital to assets | 8.1177% | 6,591 |
| Core capital (leverage) ratio | 8.3559% | 5,777 |
| Tier 1 risk-based capital ratio | 17.2607% | 2,425 |
| Total risk-based capital ratio | 18.1514% | 2,537 |
| Memoranda: | ||
| Average total assets | $122,545,330 | 4,373 |
| Average earning assets | $112,121,670 | 4,380 |
| Average equity | $9,934,670 | 5,062 |
| Average total loans | $86,129,330 | 4,046 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 5,833 |
| Cost of funding earning assets | 0.9502% | 4,560 |
| Net interest margin | 3.4058% | 5,411 |
| Noninterest income to average assets | 0.3978% | 4,712 |
| Noninterest expense to average assets | 3.2967% | 2,565 |
| Loan and lease loss provision to assets | 0.0815% | 4,989 |
| Net operating income to assets | 0.1005% | 6,094 |
| Return on assets (ROA) | 0.1630% | 5,958 |
| Pretax return on assets | 0.2283% | 5,877 |
| Return on Equity (ROE) | 2.0125% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.0125% | 4,925 |
| Net charge-offs to loans | 0.0046% | 5,062 |
| Credit loss provision to net charge-offs | 2,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 447 |
| Efficiency ratio | 93.6979% | 1,053 |
| Assets per employee ($millions) | 2.5410% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5537% | 7,251 |
| Loan loss allowance to noncurrent loans | 23.1919% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 2.5539% | 2,675 |
| Noncurrent loans to loans | 2.3873% | 3,102 |
| Net loans and leases to total assets | 70.8333% | 1,963 |
| Net loans and leases to deposits | 77.9912% | 3,062 |
| Net loans and leases to core deposits | 79.7743% | 3,787 |
| Total domestic deposits to total assets | 90.8222% | 710 |
| Equity capital to assets | 8.1530% | 6,337 |
| Core capital (leverage) ratio | 8.3914% | 5,643 |
| Tier 1 risk-based capital ratio | 17.2860% | 2,379 |
| Total risk-based capital ratio | 18.1935% | 2,476 |
| Memoranda: | ||
| Average total assets | $122,667,500 | 4,401 |
| Average earning assets | $112,395,500 | 4,397 |
| Average equity | $9,938,000 | 5,062 |
| Average total loans | $86,189,500 | 4,073 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 6,487 |
| Cost of funding earning assets | 1.2400% | 4,285 |
| Net interest margin | 3.2230% | 6,213 |
| Noninterest income to average assets | 0.3903% | 4,975 |
| Noninterest expense to average assets | 3.4549% | 2,294 |
| Loan and lease loss provision to assets | 0.2788% | 4,577 |
| Net operating income to assets | -0.2368% | 6,152 |
| Return on assets (ROA) | -0.1739% | 6,139 |
| Pretax return on assets | -0.2993% | 6,160 |
| Return on Equity (ROE) | -2.0899% | 6,178 |
| Retained earnings to average equity (ytd only) | -2.0899% | 5,978 |
| Net charge-offs to loans | 0.3427% | 4,297 |
| Credit loss provision to net charge-offs | 119.2982% | 3,555 |
| Earnings coverage of net charge-offs (x) | -0.5088% | 6,462 |
| Efficiency ratio | 103.5644% | 685 |
| Assets per employee ($millions) | 2.5701% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 7,329 |
| Loan loss allowance to noncurrent loans | 19.4966% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 2.7025% | 2,579 |
| Noncurrent loans to loans | 2.7414% | 2,775 |
| Net loans and leases to total assets | 68.9382% | 2,762 |
| Net loans and leases to deposits | 75.7907% | 3,875 |
| Net loans and leases to core deposits | 77.3372% | 4,542 |
| Total domestic deposits to total assets | 90.9587% | 616 |
| Equity capital to assets | 8.0508% | 6,443 |
| Core capital (leverage) ratio | 8.2602% | 5,739 |
| Tier 1 risk-based capital ratio | 17.2583% | 2,243 |
| Total risk-based capital ratio | 18.1280% | 2,360 |
| Memoranda: | ||
| Average total assets | $121,942,000 | 4,448 |
| Average earning assets | $111,448,800 | 4,434 |
| Average equity | $10,144,000 | 5,092 |
| Average total loans | $83,161,200 | 4,239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 6,620 |
| Cost of funding earning assets | 1.3081% | 4,165 |
| Net interest margin | 3.1843% | 6,396 |
| Noninterest income to average assets | 0.4288% | 4,730 |
| Noninterest expense to average assets | 3.5486% | 1,910 |
| Loan and lease loss provision to assets | 0.0822% | 6,222 |
| Net operating income to assets | -0.1657% | 6,271 |
| Return on assets (ROA) | -0.1426% | 6,319 |
| Pretax return on assets | -0.2588% | 6,375 |
| Return on Equity (ROE) | -1.6998% | 6,362 |
| Retained earnings to average equity (ytd only) | -1.6998% | 6,135 |
| Net charge-offs to loans | 0.1211% | 5,338 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | -2.5866% | 6,552 |
| Efficiency ratio | 106.3774% | 595 |
| Assets per employee ($millions) | 2.5165% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 7,480 |
| Loan loss allowance to noncurrent loans | 19.1977% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 2.5708% | 2,803 |
| Noncurrent loans to loans | 2.4868% | 3,133 |
| Net loans and leases to total assets | 67.9613% | 3,225 |
| Net loans and leases to deposits | 75.1578% | 4,325 |
| Net loans and leases to core deposits | 76.6678% | 4,969 |
| Total domestic deposits to total assets | 90.4247% | 672 |
| Equity capital to assets | 8.2915% | 6,518 |
| Core capital (leverage) ratio | 8.3364% | 5,809 |
| Tier 1 risk-based capital ratio | 15.6801% | 2,913 |
| Total risk-based capital ratio | 16.4380% | 3,133 |
| Memoranda: | ||
| Average total assets | $121,585,750 | 4,514 |
| Average earning assets | $111,000,500 | 4,510 |
| Average equity | $10,197,000 | 5,134 |
| Average total loans | $82,575,500 | 4,335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 6,679 |
| Cost of funding earning assets | 1.3633% | 4,097 |
| Net interest margin | 3.1508% | 6,461 |
| Noninterest income to average assets | 0.4181% | 4,771 |
| Noninterest expense to average assets | 3.5187% | 1,988 |
| Loan and lease loss provision to assets | 0.0826% | 6,103 |
| Net operating income to assets | -0.1932% | 6,351 |
| Return on assets (ROA) | -0.1901% | 6,394 |
| Pretax return on assets | -0.3058% | 6,432 |
| Return on Equity (ROE) | -2.2576% | 6,442 |
| Retained earnings to average equity (ytd only) | -2.2576% | 6,187 |
| Net charge-offs to loans | 0.0975% | 5,169 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | -3.4500% | 6,271 |
| Efficiency ratio | 106.9312% | 609 |
| Assets per employee ($millions) | 2.4273% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5016% | 7,505 |
| Loan loss allowance to noncurrent loans | 23.7191% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 2.4867% | 2,895 |
| Noncurrent loans to loans | 2.1148% | 3,574 |
| Net loans and leases to total assets | 67.3387% | 3,538 |
| Net loans and leases to deposits | 74.5462% | 4,590 |
| Net loans and leases to core deposits | 76.0466% | 5,190 |
| Total domestic deposits to total assets | 90.3316% | 753 |
| Equity capital to assets | 8.3905% | 6,312 |
| Core capital (leverage) ratio | 8.4766% | 5,454 |
| Tier 1 risk-based capital ratio | 15.6788% | 2,813 |
| Total risk-based capital ratio | 16.3928% | 3,039 |
| Memoranda: | ||
| Average total assets | $121,012,000 | 4,545 |
| Average earning assets | $110,319,670 | 4,550 |
| Average equity | $10,188,000 | 5,146 |
| Average total loans | $82,033,000 | 4,384 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 6,621 |
| Cost of funding earning assets | 1.4110% | 4,109 |
| Net interest margin | 3.1639% | 6,410 |
| Noninterest income to average assets | 0.4171% | 4,755 |
| Noninterest expense to average assets | 3.4460% | 2,117 |
| Loan and lease loss provision to assets | 0.0828% | 5,813 |
| Net operating income to assets | -0.1434% | 6,470 |
| Return on assets (ROA) | -0.1688% | 6,581 |
| Pretax return on assets | -0.2714% | 6,609 |
| Return on Equity (ROE) | -2.0019% | 6,639 |
| Retained earnings to average equity (ytd only) | -2.0019% | 6,214 |
| Net charge-offs to loans | 0.1952% | 3,743 |
| Credit loss provision to net charge-offs | 62.5000% | 4,250 |
| Earnings coverage of net charge-offs (x) | -1.1250% | 5,399 |
| Efficiency ratio | 104.5181% | 710 |
| Assets per employee ($millions) | 2.3738% | 7,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4742% | 7,614 |
| Loan loss allowance to noncurrent loans | 29.2296% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 2.2971% | 3,151 |
| Noncurrent loans to loans | 1.6223% | 4,316 |
| Net loans and leases to total assets | 67.0943% | 3,607 |
| Net loans and leases to deposits | 74.4758% | 4,672 |
| Net loans and leases to core deposits | 75.3469% | 5,351 |
| Total domestic deposits to total assets | 90.0887% | 941 |
| Equity capital to assets | 8.4030% | 6,157 |
| Core capital (leverage) ratio | 8.5426% | 5,303 |
| Tier 1 risk-based capital ratio | 15.7524% | 2,753 |
| Total risk-based capital ratio | 16.3496% | 3,023 |
| Memoranda: | ||
| Average total assets | $120,836,000 | 4,609 |
| Average earning assets | $109,991,500 | 4,612 |
| Average equity | $10,190,500 | 5,182 |
| Average total loans | $81,981,000 | 4,441 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 5,847 |
| Cost of funding earning assets | 1.7553% | 4,226 |
| Net interest margin | 3.4005% | 5,362 |
| Noninterest income to average assets | 0.5950% | 3,672 |
| Noninterest expense to average assets | 3.6759% | 1,965 |
| Loan and lease loss provision to assets | 0.3450% | 4,727 |
| Net operating income to assets | -0.2760% | 5,941 |
| Return on assets (ROA) | -1.0175% | 6,585 |
| Pretax return on assets | -1.0425% | 6,439 |
| Return on Equity (ROE) | -11.4931% | 6,733 |
| Retained earnings to average equity (ytd only) | -11.4931% | 6,641 |
| Net charge-offs to loans | 0.4477% | 3,992 |
| Credit loss provision to net charge-offs | 103.7594% | 5,324 |
| Earnings coverage of net charge-offs (x) | 0.1779% | 5,977 |
| Efficiency ratio | 98.4159% | 1,185 |
| Assets per employee ($millions) | 2.3194% | 7,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4882% | 7,677 |
| Loan loss allowance to noncurrent loans | 39.6059% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 3,383 |
| Noncurrent loans to loans | 1.2326% | 4,889 |
| Net loans and leases to total assets | 67.9441% | 3,714 |
| Net loans and leases to deposits | 75.3942% | 4,830 |
| Net loans and leases to core deposits | 81.4192% | 5,966 |
| Total domestic deposits to total assets | 90.1184% | 908 |
| Equity capital to assets | 8.4638% | 5,940 |
| Core capital (leverage) ratio | 8.6097% | 5,078 |
| Tier 1 risk-based capital ratio | 15.3494% | 2,783 |
| Total risk-based capital ratio | 15.9436% | 3,061 |
| Memoranda: | ||
| Average total assets | $119,997,600 | 4,563 |
| Average earning assets | $110,806,000 | 4,538 |
| Average equity | $10,623,800 | 5,123 |
| Average total loans | $89,114,200 | 4,235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 5,410 |
| Cost of funding earning assets | 1.8225% | 4,273 |
| Net interest margin | 3.4804% | 4,949 |
| Noninterest income to average assets | 0.5707% | 3,918 |
| Noninterest expense to average assets | 3.7748% | 1,647 |
| Loan and lease loss provision to assets | 0.3972% | 3,932 |
| Net operating income to assets | -0.2478% | 6,138 |
| Return on assets (ROA) | -0.9434% | 6,798 |
| Pretax return on assets | -1.4463% | 6,931 |
| Return on Equity (ROE) | -10.5394% | 6,931 |
| Retained earnings to average equity (ytd only) | -10.5394% | 6,855 |
| Net charge-offs to loans | 0.5183% | 3,142 |
| Credit loss provision to net charge-offs | 101.1331% | 5,027 |
| Earnings coverage of net charge-offs (x) | 0.0538% | 5,996 |
| Efficiency ratio | 99.4431% | 1,086 |
| Assets per employee ($millions) | 2.2221% | 7,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4506% | 7,766 |
| Loan loss allowance to noncurrent loans | 20.8089% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 2.1661% | 3,137 |
| Noncurrent loans to loans | 2.1654% | 3,425 |
| Net loans and leases to total assets | 73.3489% | 2,700 |
| Net loans and leases to deposits | 81.7688% | 4,066 |
| Net loans and leases to core deposits | 88.3054% | 5,612 |
| Total domestic deposits to total assets | 89.7028% | 888 |
| Equity capital to assets | 9.1127% | 5,315 |
| Core capital (leverage) ratio | 9.1415% | 4,429 |
| Tier 1 risk-based capital ratio | 15.7651% | 2,711 |
| Total risk-based capital ratio | 16.3377% | 2,938 |
| Memoranda: | ||
| Average total assets | $119,845,000 | 4,600 |
| Average earning assets | $111,056,250 | 4,555 |
| Average equity | $10,727,750 | 5,137 |
| Average total loans | $90,805,750 | 4,223 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 5,016 |
| Cost of funding earning assets | 1.8695% | 4,425 |
| Net interest margin | 3.5551% | 4,552 |
| Noninterest income to average assets | 0.5592% | 3,966 |
| Noninterest expense to average assets | 3.6387% | 1,975 |
| Loan and lease loss provision to assets | 0.0830% | 6,347 |
| Net operating income to assets | 0.0997% | 5,561 |
| Return on assets (ROA) | 0.1659% | 5,466 |
| Pretax return on assets | 0.2356% | 5,371 |
| Return on Equity (ROE) | 1.8646% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.8646% | 4,309 |
| Net charge-offs to loans | 0.1411% | 4,760 |
| Credit loss provision to net charge-offs | 76.9231% | 5,283 |
| Earnings coverage of net charge-offs (x) | 2.0769% | 4,040 |
| Efficiency ratio | 94.2010% | 1,479 |
| Assets per employee ($millions) | 2.3178% | 7,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 7,888 |
| Loan loss allowance to noncurrent loans | 16.5768% | 7,306 |
| Noncurrent assets plus other real estate owned to assets | 2.2734% | 2,866 |
| Noncurrent loans to loans | 2.5023% | 2,891 |
| Net loans and leases to total assets | 73.5026% | 2,840 |
| Net loans and leases to deposits | 81.7445% | 4,266 |
| Net loans and leases to core deposits | 88.3866% | 5,685 |
| Total domestic deposits to total assets | 89.9174% | 862 |
| Equity capital to assets | 8.9243% | 5,416 |
| Core capital (leverage) ratio | 8.9243% | 4,749 |
| Tier 1 risk-based capital ratio | 15.2641% | 2,898 |
| Total risk-based capital ratio | 15.7878% | 3,162 |
| Memoranda: | ||
| Average total assets | $120,536,670 | 4,621 |
| Average earning assets | $112,007,670 | 4,574 |
| Average equity | $10,726,330 | 5,154 |
| Average total loans | $92,149,670 | 4,225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6221% | 4,226 |
| Cost of funding earning assets | 1.9121% | 4,567 |
| Net interest margin | 3.7100% | 3,849 |
| Noninterest income to average assets | 0.4480% | 4,794 |
| Noninterest expense to average assets | 3.6568% | 1,737 |
| Loan and lease loss provision to assets | 0.0830% | 5,898 |
| Net operating income to assets | 0.1127% | 5,944 |
| Return on assets (ROA) | 0.1692% | 5,926 |
| Pretax return on assets | 0.2389% | 5,851 |
| Return on Equity (ROE) | 1.9045% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.9045% | 4,793 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7872% | 1,444 |
| Assets per employee ($millions) | 2.3546% | 7,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4097% | 7,935 |
| Loan loss allowance to noncurrent loans | 20.0295% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 1.9243% | 3,018 |
| Noncurrent loans to loans | 2.0453% | 3,203 |
| Net loans and leases to total assets | 80.8130% | 1,236 |
| Net loans and leases to deposits | 91.1515% | 2,749 |
| Net loans and leases to core deposits | 98.2679% | 4,716 |
| Total domestic deposits to total assets | 88.6578% | 1,396 |
| Equity capital to assets | 8.6608% | 5,823 |
| Core capital (leverage) ratio | 8.6608% | 5,230 |
| Tier 1 risk-based capital ratio | 14.2636% | 3,448 |
| Total risk-based capital ratio | 14.8111% | 3,753 |
| Memoranda: | ||
| Average total assets | $120,542,500 | 4,638 |
| Average earning assets | $112,128,000 | 4,583 |
| Average equity | $10,711,500 | 5,182 |
| Average total loans | $93,745,500 | 4,219 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9462% | 5,824 |
| Cost of funding earning assets | 2.5966% | 3,708 |
| Net interest margin | 3.3496% | 5,864 |
| Noninterest income to average assets | -1.4595% | 8,295 |
| Noninterest expense to average assets | 3.3230% | 2,890 |
| Loan and lease loss provision to assets | 0.0616% | 6,634 |
| Net operating income to assets | -1.8126% | 7,562 |
| Return on assets (ROA) | -1.7593% | 7,498 |
| Pretax return on assets | -1.6632% | 7,328 |
| Return on Equity (ROE) | -16.5877% | 7,651 |
| Retained earnings to average equity (ytd only) | -16.5877% | 7,550 |
| Net charge-offs to loans | 0.0640% | 5,859 |
| Credit loss provision to net charge-offs | 133.9286% | 3,969 |
| Earnings coverage of net charge-offs (x) | -35.9821% | 6,971 |
| Efficiency ratio | 199.2122% | 200 |
| Assets per employee ($millions) | 2.2386% | 7,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4323% | 7,942 |
| Loan loss allowance to noncurrent loans | 16.1578% | 7,361 |
| Noncurrent assets plus other real estate owned to assets | 2.2082% | 2,210 |
| Noncurrent loans to loans | 2.6753% | 2,027 |
| Net loans and leases to total assets | 73.9650% | 3,107 |
| Net loans and leases to deposits | 82.2490% | 4,687 |
| Net loans and leases to core deposits | 90.0193% | 5,796 |
| Total domestic deposits to total assets | 89.9282% | 673 |
| Equity capital to assets | 9.1186% | 5,196 |
| Core capital (leverage) ratio | 9.6970% | 3,770 |
| Tier 1 risk-based capital ratio | 16.4582% | 2,502 |
| Total risk-based capital ratio | 16.9997% | 2,697 |
| Memoranda: | ||
| Average total assets | $121,755,800 | 4,473 |
| Average earning assets | $113,686,000 | 4,426 |
| Average equity | $12,913,200 | 4,599 |
| Average total loans | $87,493,000 | 4,302 |