Home > Midland Federal Savings and Loan Association > Performance and Condition Ratios
Midland Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 4,470 |
| Cost of funding earning assets | 0.3222% | 4,362 |
| Net interest margin | 2.9155% | 3,447 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.6556% | 1,856 |
| Loan and lease loss provision to assets | -0.2300% | 4,567 |
| Net operating income to assets | 0.5370% | 3,595 |
| Return on assets (ROA) | 0.7622% | 2,981 |
| Pretax return on assets | 0.7622% | 3,307 |
| Return on Equity (ROE) | 9.2300% | 2,698 |
| Retained earnings to average equity (ytd only) | 9.2312% | 1,202 |
| Net charge-offs to loans | -0.0477% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.6708% | 422 |
| Assets per employee ($millions) | 5.3180% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2774% | 4,431 |
| Loan loss allowance to noncurrent loans | 10.0149% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 974 |
| Noncurrent loans to loans | 2.7694% | 161 |
| Net loans and leases to total assets | 20.5900% | 4,399 |
| Net loans and leases to deposits | 22.7033% | 4,412 |
| Net loans and leases to core deposits | 23.0115% | 4,443 |
| Total domestic deposits to total assets | 90.6900% | 581 |
| Equity capital to assets | 8.7618% | 2,853 |
| Core capital (leverage) ratio | 8.8062% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.2489% | 115 |
| Memoranda: | ||
| Average total assets | $118,994,400 | 3,660 |
| Average earning assets | $113,908,600 | 3,607 |
| Average equity | $9,825,400 | 3,739 |
| Average total loans | $25,147,600 | 4,211 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 4,485 |
| Cost of funding earning assets | 0.2844% | 4,378 |
| Net interest margin | 2.9083% | 3,524 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.6266% | 1,862 |
| Loan and lease loss provision to assets | -0.3100% | 4,601 |
| Net operating income to assets | 0.6405% | 3,454 |
| Return on assets (ROA) | 0.9395% | 2,537 |
| Pretax return on assets | 0.9395% | 3,006 |
| Return on Equity (ROE) | 11.5500% | 2,238 |
| Retained earnings to average equity (ytd only) | 11.5510% | 1,062 |
| Net charge-offs to loans | -0.0840% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.7297% | 421 |
| Assets per employee ($millions) | 5.6309% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2880% | 4,448 |
| Loan loss allowance to noncurrent loans | 10.3499% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 1,006 |
| Noncurrent loans to loans | 2.7823% | 160 |
| Net loans and leases to total assets | 20.7900% | 4,429 |
| Net loans and leases to deposits | 22.8751% | 4,437 |
| Net loans and leases to core deposits | 23.1794% | 4,431 |
| Total domestic deposits to total assets | 90.8900% | 698 |
| Equity capital to assets | 8.6106% | 2,660 |
| Core capital (leverage) ratio | 8.7628% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6791% | 121 |
| Memoranda: | ||
| Average total assets | $119,493,750 | 3,666 |
| Average earning assets | $114,383,750 | 3,613 |
| Average equity | $9,719,000 | 3,754 |
| Average total loans | $25,395,250 | 4,225 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1266% | 4,519 |
| Cost of funding earning assets | 0.2510% | 4,379 |
| Net interest margin | 2.8756% | 3,689 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.4585% | 2,320 |
| Loan and lease loss provision to assets | -0.4600% | 4,634 |
| Net operating income to assets | 0.9057% | 2,739 |
| Return on assets (ROA) | 0.9057% | 2,719 |
| Pretax return on assets | 0.9057% | 3,149 |
| Return on Equity (ROE) | 11.3500% | 2,340 |
| Retained earnings to average equity (ytd only) | 11.3543% | 1,110 |
| Net charge-offs to loans | -0.1326% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.6154% | 562 |
| Assets per employee ($millions) | 5.1104% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2865% | 4,485 |
| Loan loss allowance to noncurrent loans | 10.6352% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 675 |
| Noncurrent loans to loans | 2.6935% | 169 |
| Net loans and leases to total assets | 21.3200% | 4,442 |
| Net loans and leases to deposits | 23.4144% | 4,458 |
| Net loans and leases to core deposits | 23.7251% | 4,453 |
| Total domestic deposits to total assets | 91.0700% | 627 |
| Equity capital to assets | 8.4039% | 2,944 |
| Core capital (leverage) ratio | 8.4516% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.4735% | 126 |
| Memoranda: | ||
| Average total assets | $119,908,667 | 3,680 |
| Average earning assets | $114,759,000 | 3,625 |
| Average equity | $9,564,667 | 3,789 |
| Average total loans | $25,641,667 | 4,237 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0765% | 4,541 |
| Cost of funding earning assets | 0.2138% | 4,353 |
| Net interest margin | 2.8627% | 3,844 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.3585% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5285% | 3,832 |
| Return on assets (ROA) | 0.5285% | 3,791 |
| Pretax return on assets | 0.5285% | 3,956 |
| Return on Equity (ROE) | 6.8000% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.8027% | 2,549 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6934% | 725 |
| Assets per employee ($millions) | 5.6970% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,043 |
| Loan loss allowance to noncurrent loans | 44.0587% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 593 |
| Noncurrent loans to loans | 2.9472% | 151 |
| Net loans and leases to total assets | 20.9700% | 4,507 |
| Net loans and leases to deposits | 22.8883% | 4,520 |
| Net loans and leases to core deposits | 23.1830% | 4,515 |
| Total domestic deposits to total assets | 91.6000% | 626 |
| Equity capital to assets | 7.9323% | 3,287 |
| Core capital (leverage) ratio | 7.9019% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3522% | 126 |
| Memoranda: | ||
| Average total assets | $121,093,000 | 3,713 |
| Average earning assets | $115,975,500 | 3,657 |
| Average equity | $9,408,000 | 3,850 |
| Average total loans | $25,895,000 | 4,290 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0874% | 4,593 |
| Cost of funding earning assets | 0.1159% | 4,309 |
| Net interest margin | 1.9715% | 4,559 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.3276% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.1706% | 4,603 |
| Return on assets (ROA) | -0.1706% | 4,591 |
| Pretax return on assets | -0.1706% | 4,582 |
| Return on Equity (ROE) | -2.3000% | 4,592 |
| Retained earnings to average equity (ytd only) | -2.3003% | 4,499 |
| Net charge-offs to loans | 0.0036% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -215.0000% | 4,721 |
| Efficiency ratio | 107.9073% | 99 |
| Assets per employee ($millions) | 5.3282% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,140 |
| Loan loss allowance to noncurrent loans | 45.7064% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 620 |
| Noncurrent loans to loans | 2.7373% | 163 |
| Net loans and leases to total assets | 21.2500% | 4,537 |
| Net loans and leases to deposits | 23.1347% | 4,548 |
| Net loans and leases to core deposits | 23.4225% | 4,543 |
| Total domestic deposits to total assets | 91.8700% | 674 |
| Equity capital to assets | 7.6101% | 3,323 |
| Core capital (leverage) ratio | 7.6345% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8207% | 136 |
| Memoranda: | ||
| Average total assets | $126,054,800 | 3,677 |
| Average earning assets | $120,820,600 | 3,612 |
| Average equity | $9,346,600 | 3,957 |
| Average total loans | $27,431,400 | 4,276 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8645% | 4,630 |
| Cost of funding earning assets | 0.1063% | 4,234 |
| Net interest margin | 1.7581% | 4,609 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.3424% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.3676% | 4,668 |
| Return on assets (ROA) | -0.3676% | 4,652 |
| Pretax return on assets | -0.3676% | 4,646 |
| Return on Equity (ROE) | -4.9900% | 4,662 |
| Retained earnings to average equity (ytd only) | -4.9900% | 4,602 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 118.6170% | 71 |
| Assets per employee ($millions) | 5.2607% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,334 |
| Loan loss allowance to noncurrent loans | 43.4954% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 572 |
| Noncurrent loans to loans | 2.8469% | 171 |
| Net loans and leases to total assets | 20.9100% | 4,584 |
| Net loans and leases to deposits | 22.6691% | 4,595 |
| Net loans and leases to core deposits | 22.8419% | 4,589 |
| Total domestic deposits to total assets | 92.2400% | 799 |
| Equity capital to assets | 7.2757% | 3,356 |
| Core capital (leverage) ratio | 7.3311% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3075% | 139 |
| Memoranda: | ||
| Average total assets | $126,931,500 | 3,692 |
| Average earning assets | $121,640,750 | 3,625 |
| Average equity | $9,351,750 | 3,998 |
| Average total loans | $27,695,250 | 4,305 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6821% | 4,684 |
| Cost of funding earning assets | 0.1067% | 4,120 |
| Net interest margin | 1.5755% | 4,678 |
| Noninterest income to average assets | 0.3523% | 3,044 |
| Noninterest expense to average assets | 2.2822% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.4200% | 4,673 |
| Return on assets (ROA) | -0.4200% | 4,653 |
| Pretax return on assets | -0.4200% | 4,637 |
| Return on Equity (ROE) | -5.6766% | 4,688 |
| Retained earnings to average equity (ytd only) | -5.6766% | 4,562 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5507% | 69 |
| Assets per employee ($millions) | 5.4964% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,659 |
| Loan loss allowance to noncurrent loans | 43.1551% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 597 |
| Noncurrent loans to loans | 2.7921% | 185 |
| Net loans and leases to total assets | 21.4678% | 4,637 |
| Net loans and leases to deposits | 23.2955% | 4,650 |
| Net loans and leases to core deposits | 23.4730% | 4,653 |
| Total domestic deposits to total assets | 92.1545% | 781 |
| Equity capital to assets | 7.3273% | 3,587 |
| Core capital (leverage) ratio | 7.3565% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1135% | 98 |
| Memoranda: | ||
| Average total assets | $127,156,667 | 3,725 |
| Average earning assets | $121,869,667 | 3,672 |
| Average equity | $9,407,000 | 4,058 |
| Average total loans | $28,016,667 | 4,356 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6029% | 4,702 |
| Cost of funding earning assets | 0.1079% | 4,043 |
| Net interest margin | 1.4949% | 4,699 |
| Noninterest income to average assets | 0.5489% | 1,901 |
| Noninterest expense to average assets | 2.2458% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2635% | 4,656 |
| Return on assets (ROA) | -0.2635% | 4,641 |
| Pretax return on assets | -0.2635% | 4,627 |
| Return on Equity (ROE) | -3.5447% | 4,673 |
| Retained earnings to average equity (ytd only) | -3.5447% | 4,346 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2911% | 112 |
| Assets per employee ($millions) | 5.7612% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,854 |
| Loan loss allowance to noncurrent loans | 44.7297% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 645 |
| Noncurrent loans to loans | 2.6849% | 217 |
| Net loans and leases to total assets | 21.4847% | 4,652 |
| Net loans and leases to deposits | 23.3346% | 4,668 |
| Net loans and leases to core deposits | 23.5121% | 4,670 |
| Total domestic deposits to total assets | 92.0723% | 547 |
| Equity capital to assets | 7.4480% | 3,966 |
| Core capital (leverage) ratio | 7.5484% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1293% | 103 |
| Memoranda: | ||
| Average total assets | $127,526,500 | 3,739 |
| Average earning assets | $122,279,500 | 3,689 |
| Average equity | $9,479,000 | 4,112 |
| Average total loans | $28,290,000 | 4,367 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6800% | 4,730 |
| Cost of funding earning assets | 0.1301% | 4,157 |
| Net interest margin | 1.5499% | 4,721 |
| Noninterest income to average assets | 0.1484% | 4,408 |
| Noninterest expense to average assets | 2.2304% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.5959% | 4,771 |
| Return on assets (ROA) | -0.5959% | 4,775 |
| Pretax return on assets | -0.5967% | 4,771 |
| Return on Equity (ROE) | -7.5450% | 4,792 |
| Retained earnings to average equity (ytd only) | -7.5450% | 4,738 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.5217% | 46 |
| Assets per employee ($millions) | 5.5786% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,168 |
| Loan loss allowance to noncurrent loans | 35.5150% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 860 |
| Noncurrent loans to loans | 3.2118% | 172 |
| Net loans and leases to total assets | 22.3581% | 4,688 |
| Net loans and leases to deposits | 24.2867% | 4,708 |
| Net loans and leases to core deposits | 24.4690% | 4,713 |
| Total domestic deposits to total assets | 92.0589% | 163 |
| Equity capital to assets | 7.4181% | 4,617 |
| Core capital (leverage) ratio | 7.5616% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.5801% | 100 |
| Memoranda: | ||
| Average total assets | $126,702,600 | 3,727 |
| Average earning assets | $121,430,600 | 3,674 |
| Average equity | $10,006,600 | 4,129 |
| Average total loans | $32,160,400 | 4,331 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7048% | 4,812 |
| Cost of funding earning assets | 0.1355% | 4,227 |
| Net interest margin | 1.5692% | 4,795 |
| Noninterest income to average assets | 0.1404% | 4,500 |
| Noninterest expense to average assets | 2.2285% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.5838% | 4,839 |
| Return on assets (ROA) | -0.5838% | 4,844 |
| Pretax return on assets | -0.5848% | 4,838 |
| Return on Equity (ROE) | -7.2794% | 4,867 |
| Retained earnings to average equity (ytd only) | -7.2794% | 4,821 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.5812% | 51 |
| Assets per employee ($millions) | 4.8699% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,482 |
| Loan loss allowance to noncurrent loans | 35.2503% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 990 |
| Noncurrent loans to loans | 3.0937% | 210 |
| Net loans and leases to total assets | 23.7099% | 4,748 |
| Net loans and leases to deposits | 25.8338% | 4,769 |
| Net loans and leases to core deposits | 26.0310% | 4,777 |
| Total domestic deposits to total assets | 91.7784% | 170 |
| Equity capital to assets | 7.6798% | 4,659 |
| Core capital (leverage) ratio | 7.6751% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4068% | 126 |
| Memoranda: | ||
| Average total assets | $126,301,500 | 3,760 |
| Average earning assets | $120,991,750 | 3,713 |
| Average equity | $10,128,750 | 4,171 |
| Average total loans | $32,946,000 | 4,376 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7492% | 4,846 |
| Cost of funding earning assets | 0.1440% | 4,257 |
| Net interest margin | 1.6052% | 4,828 |
| Noninterest income to average assets | 0.1331% | 4,538 |
| Noninterest expense to average assets | 2.2489% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.5785% | 4,875 |
| Return on assets (ROA) | -0.5785% | 4,879 |
| Pretax return on assets | -0.5785% | 4,874 |
| Return on Equity (ROE) | -7.1125% | 4,893 |
| Retained earnings to average equity (ytd only) | -7.1125% | 4,830 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.6300% | 49 |
| Assets per employee ($millions) | 5.3243% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,617 |
| Loan loss allowance to noncurrent loans | 32.0426% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 994 |
| Noncurrent loans to loans | 3.2813% | 203 |
| Net loans and leases to total assets | 24.3773% | 4,777 |
| Net loans and leases to deposits | 26.6700% | 4,802 |
| Net loans and leases to core deposits | 26.8724% | 4,813 |
| Total domestic deposits to total assets | 91.4034% | 254 |
| Equity capital to assets | 7.9056% | 4,578 |
| Core capital (leverage) ratio | 7.8622% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4742% | 131 |
| Memoranda: | ||
| Average total assets | $126,196,000 | 3,781 |
| Average earning assets | $120,854,333 | 3,722 |
| Average equity | $10,263,667 | 4,171 |
| Average total loans | $33,810,667 | 4,397 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8161% | 4,870 |
| Cost of funding earning assets | 0.1566% | 4,258 |
| Net interest margin | 1.6595% | 4,848 |
| Noninterest income to average assets | 0.1053% | 4,660 |
| Noninterest expense to average assets | 2.2775% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.5837% | 4,900 |
| Return on assets (ROA) | -0.5837% | 4,901 |
| Pretax return on assets | -0.5837% | 4,894 |
| Return on Equity (ROE) | -7.0762% | 4,916 |
| Retained earnings to average equity (ytd only) | -7.0762% | 4,750 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.4633% | 44 |
| Assets per employee ($millions) | 4.5473% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 3,976 |
| Loan loss allowance to noncurrent loans | 34.7689% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 1,226 |
| Noncurrent loans to loans | 2.7789% | 302 |
| Net loans and leases to total assets | 26.6462% | 4,778 |
| Net loans and leases to deposits | 29.1494% | 4,805 |
| Net loans and leases to core deposits | 29.4357% | 4,821 |
| Total domestic deposits to total assets | 91.4125% | 257 |
| Equity capital to assets | 7.9828% | 4,502 |
| Core capital (leverage) ratio | 8.1750% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8687% | 185 |
| Memoranda: | ||
| Average total assets | $125,402,500 | 3,798 |
| Average earning assets | $120,035,000 | 3,742 |
| Average equity | $10,344,500 | 4,176 |
| Average total loans | $34,975,500 | 4,400 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4041% | 4,862 |
| Cost of funding earning assets | 0.2614% | 4,333 |
| Net interest margin | 2.1427% | 4,789 |
| Noninterest income to average assets | 0.2224% | 4,165 |
| Noninterest expense to average assets | 2.5584% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.5311% | 4,887 |
| Return on assets (ROA) | -0.5311% | 4,889 |
| Pretax return on assets | -0.2977% | 4,843 |
| Return on Equity (ROE) | -5.7427% | 4,903 |
| Retained earnings to average equity (ytd only) | -5.7427% | 4,849 |
| Net charge-offs to loans | -0.0026% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1687% | 106 |
| Assets per employee ($millions) | 4.5734% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,102 |
| Loan loss allowance to noncurrent loans | 34.4792% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 1,125 |
| Noncurrent loans to loans | 2.6896% | 355 |
| Net loans and leases to total assets | 28.6374% | 4,787 |
| Net loans and leases to deposits | 31.5546% | 4,820 |
| Net loans and leases to core deposits | 31.8534% | 4,833 |
| Total domestic deposits to total assets | 90.7549% | 291 |
| Equity capital to assets | 8.5235% | 4,426 |
| Core capital (leverage) ratio | 8.5527% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3567% | 187 |
| Memoranda: | ||
| Average total assets | $118,238,000 | 3,767 |
| Average earning assets | $112,476,000 | 3,729 |
| Average equity | $10,935,600 | 4,087 |
| Average total loans | $38,263,600 | 4,348 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5140% | 4,906 |
| Cost of funding earning assets | 0.2880% | 4,359 |
| Net interest margin | 2.2260% | 4,806 |
| Noninterest income to average assets | 0.2281% | 4,130 |
| Noninterest expense to average assets | 2.5930% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.5656% | 4,903 |
| Return on assets (ROA) | -0.5656% | 4,908 |
| Pretax return on assets | -0.2497% | 4,852 |
| Return on Equity (ROE) | -5.9911% | 4,930 |
| Retained earnings to average equity (ytd only) | -5.9911% | 4,868 |
| Net charge-offs to loans | -0.0034% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6569% | 108 |
| Assets per employee ($millions) | 4.2512% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,103 |
| Loan loss allowance to noncurrent loans | 26.7367% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 887 |
| Noncurrent loans to loans | 3.3297% | 256 |
| Net loans and leases to total assets | 30.9570% | 4,800 |
| Net loans and leases to deposits | 34.2759% | 4,851 |
| Net loans and leases to core deposits | 34.6140% | 4,863 |
| Total domestic deposits to total assets | 90.3170% | 325 |
| Equity capital to assets | 9.0151% | 4,110 |
| Core capital (leverage) ratio | 8.9271% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4269% | 183 |
| Memoranda: | ||
| Average total assets | $116,927,000 | 3,776 |
| Average earning assets | $111,106,750 | 3,736 |
| Average equity | $11,038,250 | 4,076 |
| Average total loans | $38,906,250 | 4,356 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6521% | 4,948 |
| Cost of funding earning assets | 0.3136% | 4,423 |
| Net interest margin | 2.3385% | 4,822 |
| Noninterest income to average assets | 0.1978% | 4,286 |
| Noninterest expense to average assets | 2.6105% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1531% | 4,850 |
| Return on assets (ROA) | -0.1531% | 4,851 |
| Pretax return on assets | -0.1943% | 4,847 |
| Return on Equity (ROE) | -1.5835% | 4,865 |
| Retained earnings to average equity (ytd only) | -1.5835% | 4,548 |
| Net charge-offs to loans | -0.0051% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0427% | 121 |
| Assets per employee ($millions) | 4.3815% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,150 |
| Loan loss allowance to noncurrent loans | 26.2907% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 931 |
| Noncurrent loans to loans | 3.2773% | 264 |
| Net loans and leases to total assets | 32.1933% | 4,817 |
| Net loans and leases to deposits | 35.8403% | 4,865 |
| Net loans and leases to core deposits | 36.1977% | 4,877 |
| Total domestic deposits to total assets | 89.8243% | 449 |
| Equity capital to assets | 9.4758% | 3,679 |
| Core capital (leverage) ratio | 9.1622% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4128% | 179 |
| Memoranda: | ||
| Average total assets | $116,301,667 | 3,770 |
| Average earning assets | $110,326,667 | 3,736 |
| Average equity | $11,240,667 | 4,078 |
| Average total loans | $39,481,667 | 4,362 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8970% | 4,982 |
| Cost of funding earning assets | 0.3438% | 4,540 |
| Net interest margin | 2.5532% | 4,787 |
| Noninterest income to average assets | 0.2186% | 4,242 |
| Noninterest expense to average assets | 2.7025% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0486% | 4,774 |
| Return on assets (ROA) | -0.0486% | 4,763 |
| Pretax return on assets | -0.0624% | 4,761 |
| Return on Equity (ROE) | -0.4975% | 4,774 |
| Retained earnings to average equity (ytd only) | -0.4975% | 4,074 |
| Net charge-offs to loans | 0.0300% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 2,523 |
| Efficiency ratio | 102.3653% | 212 |
| Assets per employee ($millions) | 4.0966% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,342 |
| Loan loss allowance to noncurrent loans | 26.3923% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 1,039 |
| Noncurrent loans to loans | 3.1332% | 330 |
| Net loans and leases to total assets | 34.1897% | 4,828 |
| Net loans and leases to deposits | 38.2474% | 4,864 |
| Net loans and leases to core deposits | 38.7428% | 4,894 |
| Total domestic deposits to total assets | 89.3910% | 515 |
| Equity capital to assets | 9.9221% | 3,863 |
| Core capital (leverage) ratio | 9.4261% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2084% | 207 |
| Memoranda: | ||
| Average total assets | $115,302,000 | 3,773 |
| Average earning assets | $109,353,500 | 3,723 |
| Average equity | $11,256,000 | 4,096 |
| Average total loans | $40,014,500 | 4,379 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0422% | 5,044 |
| Cost of funding earning assets | 0.3392% | 4,626 |
| Net interest margin | 2.7030% | 4,838 |
| Noninterest income to average assets | 0.3274% | 3,738 |
| Noninterest expense to average assets | 2.8764% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0313% | 4,955 |
| Return on assets (ROA) | 0.0313% | 4,974 |
| Pretax return on assets | 0.0252% | 4,975 |
| Return on Equity (ROE) | 0.3267% | 4,972 |
| Retained earnings to average equity (ytd only) | 0.3267% | 4,601 |
| Net charge-offs to loans | 0.0164% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 3,254 |
| Efficiency ratio | 99.1320% | 169 |
| Assets per employee ($millions) | 3.8633% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 4,257 |
| Loan loss allowance to noncurrent loans | 24.4989% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,023 |
| Noncurrent loans to loans | 3.3272% | 253 |
| Net loans and leases to total assets | 34.6462% | 4,886 |
| Net loans and leases to deposits | 38.6243% | 4,929 |
| Net loans and leases to core deposits | 39.1165% | 4,960 |
| Total domestic deposits to total assets | 89.7006% | 423 |
| Equity capital to assets | 9.6040% | 4,269 |
| Core capital (leverage) ratio | 9.3696% | 4,200 |
| Tier 1 risk-based capital ratio | 34.0648% | 354 |
| Total risk-based capital ratio | 35.0992% | 354 |
| Memoranda: | ||
| Average total assets | $115,145,400 | 3,763 |
| Average earning assets | $109,657,000 | 3,716 |
| Average equity | $11,019,400 | 4,126 |
| Average total loans | $42,699,800 | 4,348 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 5,130 |
| Cost of funding earning assets | 0.3336% | 4,711 |
| Net interest margin | 2.7544% | 4,887 |
| Noninterest income to average assets | 0.3306% | 3,765 |
| Noninterest expense to average assets | 2.9204% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0406% | 5,051 |
| Return on assets (ROA) | 0.0406% | 5,064 |
| Pretax return on assets | 0.0336% | 5,064 |
| Return on Equity (ROE) | 0.4246% | 5,058 |
| Retained earnings to average equity (ytd only) | 0.4246% | 4,681 |
| Net charge-offs to loans | 0.0062% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 14.4831% | 2,244 |
| Efficiency ratio | 98.8614% | 163 |
| Assets per employee ($millions) | 3.8582% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 4,381 |
| Loan loss allowance to noncurrent loans | 23.8636% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 1,035 |
| Noncurrent loans to loans | 3.4000% | 250 |
| Net loans and leases to total assets | 35.4884% | 4,955 |
| Net loans and leases to deposits | 39.5334% | 5,008 |
| Net loans and leases to core deposits | 40.0363% | 5,034 |
| Total domestic deposits to total assets | 89.7680% | 346 |
| Equity capital to assets | 9.6021% | 4,385 |
| Core capital (leverage) ratio | 9.5427% | 4,123 |
| Tier 1 risk-based capital ratio | 34.4579% | 357 |
| Total risk-based capital ratio | 35.5234% | 359 |
| Memoranda: | ||
| Average total assets | $114,956,750 | 3,807 |
| Average earning assets | $109,493,500 | 3,758 |
| Average equity | $10,991,500 | 4,161 |
| Average total loans | $43,253,500 | 4,383 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 5,175 |
| Cost of funding earning assets | 0.3224% | 4,760 |
| Net interest margin | 2.8085% | 4,921 |
| Noninterest income to average assets | 0.3435% | 3,642 |
| Noninterest expense to average assets | 2.9470% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0558% | 5,081 |
| Return on assets (ROA) | 0.0558% | 5,088 |
| Pretax return on assets | 0.0698% | 5,083 |
| Return on Equity (ROE) | 0.5847% | 5,078 |
| Retained earnings to average equity (ytd only) | 0.5847% | 4,542 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6879% | 181 |
| Assets per employee ($millions) | 3.5844% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 4,471 |
| Loan loss allowance to noncurrent loans | 23.6198% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 1,049 |
| Noncurrent loans to loans | 3.3457% | 268 |
| Net loans and leases to total assets | 36.9941% | 4,946 |
| Net loans and leases to deposits | 41.2728% | 5,020 |
| Net loans and leases to core deposits | 41.8018% | 5,049 |
| Total domestic deposits to total assets | 89.6331% | 437 |
| Equity capital to assets | 9.6764% | 4,252 |
| Core capital (leverage) ratio | 9.4086% | 4,236 |
| Tier 1 risk-based capital ratio | 33.7653% | 368 |
| Total risk-based capital ratio | 34.8157% | 366 |
| Memoranda: | ||
| Average total assets | $114,694,330 | 3,835 |
| Average earning assets | $109,170,000 | 3,789 |
| Average equity | $10,946,670 | 4,183 |
| Average total loans | $43,867,330 | 4,392 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1061% | 5,241 |
| Cost of funding earning assets | 0.3007% | 4,843 |
| Net interest margin | 2.8054% | 4,985 |
| Noninterest income to average assets | 0.2825% | 3,988 |
| Noninterest expense to average assets | 2.9226% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0209% | 5,132 |
| Return on assets (ROA) | 0.0209% | 5,136 |
| Pretax return on assets | 0.0279% | 5,130 |
| Return on Equity (ROE) | 0.2208% | 5,133 |
| Retained earnings to average equity (ytd only) | 0.2208% | 4,481 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0544% | 191 |
| Assets per employee ($millions) | 3.4845% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,603 |
| Loan loss allowance to noncurrent loans | 19.6283% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.4975% | 802 |
| Noncurrent loans to loans | 3.9287% | 201 |
| Net loans and leases to total assets | 37.8239% | 4,965 |
| Net loans and leases to deposits | 42.0844% | 5,039 |
| Net loans and leases to core deposits | 42.6197% | 5,066 |
| Total domestic deposits to total assets | 89.8763% | 498 |
| Equity capital to assets | 9.4940% | 4,265 |
| Core capital (leverage) ratio | 9.4158% | 4,239 |
| Tier 1 risk-based capital ratio | 33.1478% | 380 |
| Total risk-based capital ratio | 34.1816% | 378 |
| Memoranda: | ||
| Average total assets | $114,690,500 | 3,877 |
| Average earning assets | $109,074,500 | 3,830 |
| Average equity | $10,870,500 | 4,216 |
| Average total loans | $44,415,500 | 4,427 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0095% | 5,228 |
| Cost of funding earning assets | 0.2446% | 4,829 |
| Net interest margin | 2.7649% | 5,055 |
| Noninterest income to average assets | 0.2666% | 4,329 |
| Noninterest expense to average assets | 2.8469% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.0664% | 5,250 |
| Return on assets (ROA) | -0.0664% | 5,247 |
| Pretax return on assets | 0.0431% | 5,209 |
| Return on Equity (ROE) | -0.7119% | 5,256 |
| Retained earnings to average equity (ytd only) | -0.7119% | 5,064 |
| Net charge-offs to loans | 0.0769% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1.3889% | 3,631 |
| Efficiency ratio | 98.5075% | 166 |
| Assets per employee ($millions) | 3.6901% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 4,677 |
| Loan loss allowance to noncurrent loans | 21.0231% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 871 |
| Noncurrent loans to loans | 3.5622% | 240 |
| Net loans and leases to total assets | 39.0435% | 4,980 |
| Net loans and leases to deposits | 43.4043% | 5,040 |
| Net loans and leases to core deposits | 43.7649% | 5,079 |
| Total domestic deposits to total assets | 89.9531% | 494 |
| Equity capital to assets | 9.4621% | 4,159 |
| Core capital (leverage) ratio | 9.5131% | 4,099 |
| Tier 1 risk-based capital ratio | 32.5245% | 383 |
| Total risk-based capital ratio | 33.5365% | 386 |
| Memoranda: | ||
| Average total assets | $115,914,000 | 3,853 |
| Average earning assets | $109,986,600 | 3,804 |
| Average equity | $10,815,600 | 4,185 |
| Average total loans | $46,801,000 | 4,377 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0003% | 5,288 |
| Cost of funding earning assets | 0.2345% | 4,868 |
| Net interest margin | 2.7658% | 5,118 |
| Noninterest income to average assets | 0.2671% | 4,363 |
| Noninterest expense to average assets | 2.8364% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0917% | 5,328 |
| Return on assets (ROA) | -0.0917% | 5,327 |
| Pretax return on assets | 0.0539% | 5,273 |
| Return on Equity (ROE) | -0.9864% | 5,335 |
| Retained earnings to average equity (ytd only) | -0.9864% | 5,135 |
| Net charge-offs to loans | 0.1016% | 1,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.3056% | 3,364 |
| Efficiency ratio | 98.1357% | 174 |
| Assets per employee ($millions) | 3.5425% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 4,798 |
| Loan loss allowance to noncurrent loans | 20.9447% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.4194% | 935 |
| Noncurrent loans to loans | 3.5088% | 269 |
| Net loans and leases to total assets | 40.1540% | 5,022 |
| Net loans and leases to deposits | 44.6431% | 5,092 |
| Net loans and leases to core deposits | 45.0175% | 5,137 |
| Total domestic deposits to total assets | 89.9445% | 528 |
| Equity capital to assets | 9.4151% | 4,170 |
| Core capital (leverage) ratio | 9.4342% | 4,248 |
| Tier 1 risk-based capital ratio | 31.5943% | 411 |
| Total risk-based capital ratio | 32.5776% | 417 |
| Memoranda: | ||
| Average total assets | $116,294,250 | 3,887 |
| Average earning assets | $110,296,250 | 3,839 |
| Average equity | $10,813,500 | 4,226 |
| Average total loans | $47,251,250 | 4,413 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9338% | 5,357 |
| Cost of funding earning assets | 0.2228% | 4,902 |
| Net interest margin | 2.7110% | 5,211 |
| Noninterest income to average assets | 0.2762% | 4,341 |
| Noninterest expense to average assets | 2.8010% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0375% | 5,324 |
| Return on assets (ROA) | 0.0375% | 5,317 |
| Pretax return on assets | 0.0477% | 5,317 |
| Return on Equity (ROE) | 0.4037% | 5,315 |
| Retained earnings to average equity (ytd only) | 0.4037% | 4,892 |
| Net charge-offs to loans | -0.0084% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3244% | 191 |
| Assets per employee ($millions) | 3.4339% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 4,674 |
| Loan loss allowance to noncurrent loans | 20.2812% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 816 |
| Noncurrent loans to loans | 3.9710% | 223 |
| Net loans and leases to total assets | 39.5596% | 5,068 |
| Net loans and leases to deposits | 43.9341% | 5,147 |
| Net loans and leases to core deposits | 44.2913% | 5,191 |
| Total domestic deposits to total assets | 90.0431% | 555 |
| Equity capital to assets | 9.2709% | 4,316 |
| Core capital (leverage) ratio | 9.1867% | 4,478 |
| Tier 1 risk-based capital ratio | 31.6709% | 421 |
| Total risk-based capital ratio | 32.7678% | 421 |
| Memoranda: | ||
| Average total assets | $117,316,330 | 3,908 |
| Average earning assets | $111,324,330 | 3,852 |
| Average equity | $10,899,330 | 4,244 |
| Average total loans | $47,716,330 | 4,446 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9082% | 5,414 |
| Cost of funding earning assets | 0.2113% | 4,946 |
| Net interest margin | 2.6969% | 5,256 |
| Noninterest income to average assets | 0.2993% | 4,160 |
| Noninterest expense to average assets | 2.8368% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0170% | 5,381 |
| Return on assets (ROA) | 0.0170% | 5,378 |
| Pretax return on assets | 0.0238% | 5,380 |
| Return on Equity (ROE) | 0.1829% | 5,375 |
| Retained earnings to average equity (ytd only) | 0.1829% | 4,781 |
| Net charge-offs to loans | 0.0414% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 2,561 |
| Efficiency ratio | 99.1677% | 186 |
| Assets per employee ($millions) | 3.5631% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 4,856 |
| Loan loss allowance to noncurrent loans | 18.8525% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 790 |
| Noncurrent loans to loans | 4.0916% | 242 |
| Net loans and leases to total assets | 40.2601% | 5,060 |
| Net loans and leases to deposits | 44.6653% | 5,134 |
| Net loans and leases to core deposits | 45.1437% | 5,183 |
| Total domestic deposits to total assets | 90.1372% | 608 |
| Equity capital to assets | 9.2352% | 4,332 |
| Core capital (leverage) ratio | 9.2118% | 4,419 |
| Tier 1 risk-based capital ratio | 30.9098% | 440 |
| Total risk-based capital ratio | 31.9619% | 447 |
| Memoranda: | ||
| Average total assets | $117,598,000 | 3,939 |
| Average earning assets | $111,683,000 | 3,895 |
| Average equity | $10,937,000 | 4,279 |
| Average total loans | $48,293,500 | 4,479 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8146% | 5,453 |
| Cost of funding earning assets | 0.1977% | 4,968 |
| Net interest margin | 2.6169% | 5,339 |
| Noninterest income to average assets | 0.2891% | 4,395 |
| Noninterest expense to average assets | 2.6929% | 3,148 |
| Loan and lease loss provision to assets | -0.0411% | 5,378 |
| Net operating income to assets | 0.0737% | 5,283 |
| Return on assets (ROA) | 0.0737% | 5,287 |
| Pretax return on assets | 0.1215% | 5,363 |
| Return on Equity (ROE) | 0.7925% | 5,268 |
| Retained earnings to average equity (ytd only) | 0.7925% | 4,720 |
| Net charge-offs to loans | 0.0158% | 3,566 |
| Credit loss provision to net charge-offs | -612.5000% | 4,984 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,517 |
| Efficiency ratio | 97.0997% | 229 |
| Assets per employee ($millions) | 3.4592% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 4,923 |
| Loan loss allowance to noncurrent loans | 17.3893% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.8238% | 673 |
| Noncurrent loans to loans | 4.3883% | 193 |
| Net loans and leases to total assets | 41.2429% | 5,090 |
| Net loans and leases to deposits | 45.7682% | 5,203 |
| Net loans and leases to core deposits | 46.2579% | 5,232 |
| Total domestic deposits to total assets | 90.1125% | 532 |
| Equity capital to assets | 9.3655% | 4,366 |
| Core capital (leverage) ratio | 9.2099% | 4,384 |
| Tier 1 risk-based capital ratio | 30.5189% | 446 |
| Total risk-based capital ratio | 31.5726% | 445 |
| Memoranda: | ||
| Average total assets | $119,351,200 | 3,907 |
| Average earning assets | $113,301,400 | 3,855 |
| Average equity | $11,103,600 | 4,284 |
| Average total loans | $50,706,200 | 4,441 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8035% | 5,520 |
| Cost of funding earning assets | 0.1958% | 5,011 |
| Net interest margin | 2.6077% | 5,398 |
| Noninterest income to average assets | 0.2983% | 4,396 |
| Noninterest expense to average assets | 2.6714% | 3,157 |
| Loan and lease loss provision to assets | -0.0545% | 5,532 |
| Net operating income to assets | 0.1158% | 5,432 |
| Return on assets (ROA) | 0.1158% | 5,442 |
| Pretax return on assets | 0.1569% | 5,417 |
| Return on Equity (ROE) | 1.2463% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.2463% | 4,904 |
| Net charge-offs to loans | 0.0130% | 3,271 |
| Credit loss provision to net charge-offs | -980.0000% | 4,943 |
| Earnings coverage of net charge-offs (x) | 18.3898% | 2,050 |
| Efficiency ratio | 96.3082% | 244 |
| Assets per employee ($millions) | 3.4406% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 5,012 |
| Loan loss allowance to noncurrent loans | 16.0959% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 1.9969% | 648 |
| Noncurrent loans to loans | 4.6849% | 184 |
| Net loans and leases to total assets | 42.3022% | 5,102 |
| Net loans and leases to deposits | 47.0614% | 5,225 |
| Net loans and leases to core deposits | 47.5585% | 5,269 |
| Total domestic deposits to total assets | 89.8873% | 510 |
| Equity capital to assets | 9.5528% | 4,392 |
| Core capital (leverage) ratio | 9.1747% | 4,544 |
| Tier 1 risk-based capital ratio | 29.8857% | 477 |
| Total risk-based capital ratio | 30.9216% | 485 |
| Memoranda: | ||
| Average total assets | $119,785,750 | 3,942 |
| Average earning assets | $113,711,000 | 3,889 |
| Average equity | $11,125,750 | 4,325 |
| Average total loans | $51,162,750 | 4,469 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7685% | 5,569 |
| Cost of funding earning assets | 0.1903% | 5,068 |
| Net interest margin | 2.5783% | 5,454 |
| Noninterest income to average assets | 0.3281% | 4,197 |
| Noninterest expense to average assets | 2.8190% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0282% | 5,565 |
| Return on assets (ROA) | -0.0282% | 5,566 |
| Pretax return on assets | -0.0431% | 5,565 |
| Return on Equity (ROE) | -0.3071% | 5,568 |
| Retained earnings to average equity (ytd only) | -0.3071% | 5,125 |
| Net charge-offs to loans | 0.0116% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -8.6667% | 3,475 |
| Efficiency ratio | 101.5522% | 171 |
| Assets per employee ($millions) | 3.5254% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 4,844 |
| Loan loss allowance to noncurrent loans | 20.2087% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.7587% | 799 |
| Noncurrent loans to loans | 4.1532% | 220 |
| Net loans and leases to total assets | 41.9893% | 5,144 |
| Net loans and leases to deposits | 46.5506% | 5,269 |
| Net loans and leases to core deposits | 46.9190% | 5,320 |
| Total domestic deposits to total assets | 90.2014% | 468 |
| Equity capital to assets | 9.2380% | 4,686 |
| Core capital (leverage) ratio | 8.8716% | 4,877 |
| Tier 1 risk-based capital ratio | 29.6470% | 483 |
| Total risk-based capital ratio | 30.8245% | 477 |
| Memoranda: | ||
| Average total assets | $120,681,670 | 3,951 |
| Average earning assets | $114,573,670 | 3,902 |
| Average equity | $11,070,670 | 4,351 |
| Average total loans | $51,596,330 | 4,473 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7396% | 5,627 |
| Cost of funding earning assets | 0.1882% | 5,085 |
| Net interest margin | 2.5514% | 5,505 |
| Noninterest income to average assets | 0.4228% | 3,505 |
| Noninterest expense to average assets | 2.8409% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0000% | 5,603 |
| Return on assets (ROA) | 0.0000% | 5,610 |
| Pretax return on assets | 0.0000% | 5,599 |
| Return on Equity (ROE) | 0.0000% | 5,609 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | -0.0077% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 222 |
| Assets per employee ($millions) | 3.4709% | 4,834 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,959 |
| Loan loss allowance to noncurrent loans | 19.7797% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7937% | 791 |
| Noncurrent loans to loans | 4.2406% | 235 |
| Net loans and leases to total assets | 41.9432% | 5,165 |
| Net loans and leases to deposits | 46.3977% | 5,287 |
| Net loans and leases to core deposits | 46.7587% | 5,343 |
| Total domestic deposits to total assets | 90.3993% | 508 |
| Equity capital to assets | 9.1142% | 4,698 |
| Core capital (leverage) ratio | 8.8817% | 4,864 |
| Tier 1 risk-based capital ratio | 29.6612% | 493 |
| Total risk-based capital ratio | 30.8512% | 491 |
| Memoranda: | ||
| Average total assets | $121,090,500 | 3,978 |
| Average earning assets | $114,760,500 | 3,933 |
| Average equity | $11,069,500 | 4,372 |
| Average total loans | $52,016,500 | 4,507 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8974% | 5,582 |
| Cost of funding earning assets | 0.1893% | 5,114 |
| Net interest margin | 2.7080% | 5,410 |
| Noninterest income to average assets | 0.3248% | 4,414 |
| Noninterest expense to average assets | 2.9518% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0357% | 5,662 |
| Return on assets (ROA) | -0.0357% | 5,676 |
| Pretax return on assets | -0.0723% | 5,682 |
| Return on Equity (ROE) | -0.3797% | 5,677 |
| Retained earnings to average equity (ytd only) | -0.3797% | 5,361 |
| Net charge-offs to loans | 0.0107% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -14.5000% | 4,246 |
| Efficiency ratio | 102.5101% | 192 |
| Assets per employee ($millions) | 3.4486% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 5,062 |
| Loan loss allowance to noncurrent loans | 20.0373% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.8666% | 772 |
| Noncurrent loans to loans | 4.0761% | 248 |
| Net loans and leases to total assets | 43.2635% | 5,159 |
| Net loans and leases to deposits | 47.8950% | 5,307 |
| Net loans and leases to core deposits | 48.2705% | 5,360 |
| Total domestic deposits to total assets | 90.3297% | 500 |
| Equity capital to assets | 9.1690% | 4,620 |
| Core capital (leverage) ratio | 8.9088% | 4,844 |
| Tier 1 risk-based capital ratio | 29.2478% | 506 |
| Total risk-based capital ratio | 30.4184% | 502 |
| Memoranda: | ||
| Average total assets | $120,366,000 | 3,989 |
| Average earning assets | $113,551,600 | 3,935 |
| Average equity | $11,323,600 | 4,374 |
| Average total loans | $55,905,200 | 4,409 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9392% | 5,619 |
| Cost of funding earning assets | 0.1881% | 5,192 |
| Net interest margin | 2.7510% | 5,430 |
| Noninterest income to average assets | 0.2882% | 4,712 |
| Noninterest expense to average assets | 2.9363% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0211% | 5,728 |
| Return on assets (ROA) | -0.0211% | 5,749 |
| Pretax return on assets | -0.0543% | 5,751 |
| Return on Equity (ROE) | -0.2224% | 5,750 |
| Retained earnings to average equity (ytd only) | -0.2224% | 5,399 |
| Net charge-offs to loans | 0.0141% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -8.1663% | 3,915 |
| Efficiency ratio | 101.8846% | 198 |
| Assets per employee ($millions) | 3.6277% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 5,189 |
| Loan loss allowance to noncurrent loans | 23.7438% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 1.6999% | 1,000 |
| Noncurrent loans to loans | 3.3670% | 401 |
| Net loans and leases to total assets | 44.5692% | 5,159 |
| Net loans and leases to deposits | 49.5482% | 5,320 |
| Net loans and leases to core deposits | 50.0591% | 5,381 |
| Total domestic deposits to total assets | 89.9511% | 501 |
| Equity capital to assets | 9.5502% | 4,611 |
| Core capital (leverage) ratio | 8.8353% | 5,021 |
| Tier 1 risk-based capital ratio | 28.9400% | 529 |
| Total risk-based capital ratio | 30.0957% | 526 |
| Memoranda: | ||
| Average total assets | $120,282,500 | 4,011 |
| Average earning assets | $113,408,500 | 3,964 |
| Average equity | $11,387,750 | 4,397 |
| Average total loans | $56,719,250 | 4,420 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9535% | 5,687 |
| Cost of funding earning assets | 0.1850% | 5,282 |
| Net interest margin | 2.7684% | 5,482 |
| Noninterest income to average assets | 0.2673% | 4,873 |
| Noninterest expense to average assets | 2.9435% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0448% | 5,791 |
| Return on assets (ROA) | -0.0448% | 5,813 |
| Pretax return on assets | -0.0681% | 5,817 |
| Return on Equity (ROE) | -0.4750% | 5,816 |
| Retained earnings to average equity (ytd only) | -0.4750% | 5,364 |
| Net charge-offs to loans | 0.0243% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -5.8571% | 3,632 |
| Efficiency ratio | 102.3672% | 214 |
| Assets per employee ($millions) | 3.4857% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 5,366 |
| Loan loss allowance to noncurrent loans | 23.4426% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 1,022 |
| Noncurrent loans to loans | 3.2558% | 432 |
| Net loans and leases to total assets | 45.7205% | 5,145 |
| Net loans and leases to deposits | 50.7696% | 5,299 |
| Net loans and leases to core deposits | 51.2825% | 5,391 |
| Total domestic deposits to total assets | 90.0549% | 470 |
| Equity capital to assets | 9.4566% | 4,810 |
| Core capital (leverage) ratio | 8.8530% | 4,995 |
| Tier 1 risk-based capital ratio | 27.4983% | 618 |
| Total risk-based capital ratio | 28.5900% | 612 |
| Memoranda: | ||
| Average total assets | $120,467,000 | 4,033 |
| Average earning assets | $113,493,670 | 3,991 |
| Average equity | $11,368,000 | 4,427 |
| Average total loans | $57,697,000 | 4,416 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0140% | 5,677 |
| Cost of funding earning assets | 0.1848% | 5,327 |
| Net interest margin | 2.8291% | 5,427 |
| Noninterest income to average assets | 0.2874% | 4,671 |
| Noninterest expense to average assets | 2.9875% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0267% | 5,800 |
| Return on assets (ROA) | -0.0267% | 5,826 |
| Pretax return on assets | -0.0401% | 5,835 |
| Return on Equity (ROE) | -0.2836% | 5,832 |
| Retained earnings to average equity (ytd only) | -0.2836% | 5,158 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3605% | 261 |
| Assets per employee ($millions) | 3.3294% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 5,496 |
| Loan loss allowance to noncurrent loans | 26.2651% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 1.8421% | 994 |
| Noncurrent loans to loans | 2.8566% | 591 |
| Net loans and leases to total assets | 48.1195% | 4,960 |
| Net loans and leases to deposits | 53.4909% | 5,132 |
| Net loans and leases to core deposits | 54.0407% | 5,254 |
| Total domestic deposits to total assets | 89.9583% | 616 |
| Equity capital to assets | 9.5486% | 4,622 |
| Core capital (leverage) ratio | 9.0190% | 4,832 |
| Tier 1 risk-based capital ratio | 26.4030% | 709 |
| Total risk-based capital ratio | 27.4649% | 705 |
| Memoranda: | ||
| Average total assets | $119,700,500 | 4,081 |
| Average earning assets | $112,543,000 | 4,029 |
| Average equity | $11,283,500 | 4,452 |
| Average total loans | $58,441,500 | 4,426 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 5,719 |
| Cost of funding earning assets | 0.1785% | 5,474 |
| Net interest margin | 2.8295% | 5,463 |
| Noninterest income to average assets | 0.3004% | 4,733 |
| Noninterest expense to average assets | 3.0091% | 2,511 |
| Loan and lease loss provision to assets | -0.0444% | 5,729 |
| Net operating income to assets | -0.0083% | 5,873 |
| Return on assets (ROA) | 0.0142% | 5,886 |
| Pretax return on assets | 0.0368% | 5,863 |
| Return on Equity (ROE) | 0.1510% | 5,880 |
| Retained earnings to average equity (ytd only) | 0.1510% | 5,447 |
| Net charge-offs to loans | 0.0066% | 4,217 |
| Credit loss provision to net charge-offs | -1,325.0000% | 5,593 |
| Earnings coverage of net charge-offs (x) | -12.7500% | 4,427 |
| Efficiency ratio | 101.4386% | 254 |
| Assets per employee ($millions) | 3.3206% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 5,554 |
| Loan loss allowance to noncurrent loans | 26.3763% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 929 |
| Noncurrent loans to loans | 2.8126% | 603 |
| Net loans and leases to total assets | 48.7992% | 4,955 |
| Net loans and leases to deposits | 54.1251% | 5,159 |
| Net loans and leases to core deposits | 54.4266% | 5,285 |
| Total domestic deposits to total assets | 90.1599% | 566 |
| Equity capital to assets | 9.3039% | 4,788 |
| Core capital (leverage) ratio | 9.0666% | 4,800 |
| Tier 1 risk-based capital ratio | 26.1041% | 736 |
| Total risk-based capital ratio | 27.1523% | 726 |
| Memoranda: | ||
| Average total assets | $119,503,000 | 4,075 |
| Average earning assets | $112,600,600 | 4,023 |
| Average equity | $11,261,800 | 4,431 |
| Average total loans | $60,627,400 | 4,364 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0174% | 5,796 |
| Cost of funding earning assets | 0.1763% | 5,584 |
| Net interest margin | 2.8410% | 5,510 |
| Noninterest income to average assets | 0.3113% | 4,717 |
| Noninterest expense to average assets | 3.0640% | 2,319 |
| Loan and lease loss provision to assets | -0.0591% | 5,933 |
| Net operating income to assets | -0.0222% | 5,955 |
| Return on assets (ROA) | 0.0078% | 5,964 |
| Pretax return on assets | 0.0324% | 5,948 |
| Return on Equity (ROE) | 0.0826% | 5,964 |
| Retained earnings to average equity (ytd only) | 0.0826% | 5,574 |
| Net charge-offs to loans | 0.0415% | 3,053 |
| Credit loss provision to net charge-offs | -278.9474% | 5,252 |
| Earnings coverage of net charge-offs (x) | -3.4741% | 4,111 |
| Efficiency ratio | 102.4627% | 246 |
| Assets per employee ($millions) | 3.5008% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 5,689 |
| Loan loss allowance to noncurrent loans | 22.8308% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9273% | 1,081 |
| Noncurrent loans to loans | 3.1448% | 536 |
| Net loans and leases to total assets | 48.9095% | 5,021 |
| Net loans and leases to deposits | 54.3507% | 5,228 |
| Net loans and leases to core deposits | 54.6548% | 5,373 |
| Total domestic deposits to total assets | 89.9887% | 572 |
| Equity capital to assets | 9.5450% | 4,700 |
| Core capital (leverage) ratio | 9.0107% | 4,987 |
| Tier 1 risk-based capital ratio | 26.9547% | 690 |
| Total risk-based capital ratio | 28.0007% | 689 |
| Memoranda: | ||
| Average total assets | $119,493,500 | 4,126 |
| Average earning assets | $112,678,750 | 4,068 |
| Average equity | $11,296,750 | 4,478 |
| Average total loans | $61,091,500 | 4,396 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9815% | 5,877 |
| Cost of funding earning assets | 0.1773% | 5,635 |
| Net interest margin | 2.8042% | 5,608 |
| Noninterest income to average assets | 0.3059% | 4,767 |
| Noninterest expense to average assets | 3.1191% | 2,189 |
| Loan and lease loss provision to assets | -0.0886% | 6,075 |
| Net operating income to assets | -0.0969% | 6,051 |
| Return on assets (ROA) | -0.0267% | 6,044 |
| Pretax return on assets | -0.0100% | 6,026 |
| Return on Equity (ROE) | -0.2838% | 6,046 |
| Retained earnings to average equity (ytd only) | -0.2838% | 5,563 |
| Net charge-offs to loans | 0.0581% | 2,563 |
| Credit loss provision to net charge-offs | -294.4444% | 5,105 |
| Earnings coverage of net charge-offs (x) | -5.6111% | 3,825 |
| Efficiency ratio | 105.7224% | 222 |
| Assets per employee ($millions) | 3.1599% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 5,815 |
| Loan loss allowance to noncurrent loans | 15.3120% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 2.8115% | 621 |
| Noncurrent loans to loans | 4.5834% | 288 |
| Net loans and leases to total assets | 49.7243% | 4,957 |
| Net loans and leases to deposits | 55.1427% | 5,183 |
| Net loans and leases to core deposits | 55.4479% | 5,345 |
| Total domestic deposits to total assets | 90.1739% | 588 |
| Equity capital to assets | 9.3148% | 4,881 |
| Core capital (leverage) ratio | 8.8363% | 5,178 |
| Tier 1 risk-based capital ratio | 25.8152% | 790 |
| Total risk-based capital ratio | 26.8331% | 799 |
| Memoranda: | ||
| Average total assets | $119,649,330 | 4,164 |
| Average earning assets | $112,829,330 | 4,098 |
| Average equity | $11,275,330 | 4,517 |
| Average total loans | $61,910,000 | 4,411 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9744% | 5,923 |
| Cost of funding earning assets | 0.1739% | 5,735 |
| Net interest margin | 2.8004% | 5,639 |
| Noninterest income to average assets | 0.3282% | 4,566 |
| Noninterest expense to average assets | 3.0343% | 2,469 |
| Loan and lease loss provision to assets | -0.1641% | 6,249 |
| Net operating income to assets | 0.0670% | 5,931 |
| Return on assets (ROA) | 0.0670% | 5,982 |
| Pretax return on assets | 0.1005% | 5,945 |
| Return on Equity (ROE) | 0.7067% | 5,960 |
| Retained earnings to average equity (ytd only) | 0.7067% | 5,168 |
| Net charge-offs to loans | 0.0955% | 1,767 |
| Credit loss provision to net charge-offs | -326.6667% | 4,728 |
| Earnings coverage of net charge-offs (x) | -1.2667% | 3,185 |
| Efficiency ratio | 102.1421% | 311 |
| Assets per employee ($millions) | 3.4240% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6991% | 5,910 |
| Loan loss allowance to noncurrent loans | 13.9694% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 2.9206% | 661 |
| Noncurrent loans to loans | 5.0044% | 266 |
| Net loans and leases to total assets | 50.8491% | 4,766 |
| Net loans and leases to deposits | 56.4498% | 5,021 |
| Net loans and leases to core deposits | 56.7579% | 5,199 |
| Total domestic deposits to total assets | 90.0784% | 707 |
| Equity capital to assets | 9.5053% | 4,747 |
| Core capital (leverage) ratio | 9.0318% | 4,913 |
| Tier 1 risk-based capital ratio | 26.6988% | 737 |
| Total risk-based capital ratio | 27.8023% | 731 |
| Memoranda: | ||
| Average total assets | $119,435,000 | 4,195 |
| Average earning assets | $112,696,500 | 4,129 |
| Average equity | $11,320,500 | 4,541 |
| Average total loans | $62,800,000 | 4,403 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0737% | 5,990 |
| Cost of funding earning assets | 0.1823% | 5,893 |
| Net interest margin | 2.8914% | 5,663 |
| Noninterest income to average assets | 0.3572% | 4,545 |
| Noninterest expense to average assets | 3.0508% | 2,685 |
| Loan and lease loss provision to assets | 0.1311% | 1,998 |
| Net operating income to assets | -0.0762% | 6,137 |
| Return on assets (ROA) | -0.0762% | 6,146 |
| Pretax return on assets | -0.0967% | 6,139 |
| Return on Equity (ROE) | -0.8295% | 6,158 |
| Retained earnings to average equity (ytd only) | -0.8295% | 5,898 |
| Net charge-offs to loans | 0.2221% | 1,892 |
| Credit loss provision to net charge-offs | 108.1081% | 2,208 |
| Earnings coverage of net charge-offs (x) | 0.2838% | 4,672 |
| Efficiency ratio | 98.8848% | 387 |
| Assets per employee ($millions) | 3.2171% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 5,851 |
| Loan loss allowance to noncurrent loans | 17.3226% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 842 |
| Noncurrent loans to loans | 4.4307% | 382 |
| Net loans and leases to total assets | 53.5499% | 4,631 |
| Net loans and leases to deposits | 59.4172% | 4,951 |
| Net loans and leases to core deposits | 59.7436% | 5,158 |
| Total domestic deposits to total assets | 90.1253% | 681 |
| Equity capital to assets | 9.4513% | 4,775 |
| Core capital (leverage) ratio | 9.1292% | 4,780 |
| Tier 1 risk-based capital ratio | 24.8002% | 855 |
| Total risk-based capital ratio | 25.9660% | 847 |
| Memoranda: | ||
| Average total assets | $122,065,000 | 4,139 |
| Average earning assets | $115,170,000 | 4,066 |
| Average equity | $11,211,600 | 4,521 |
| Average total loans | $66,637,200 | 4,277 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0637% | 6,072 |
| Cost of funding earning assets | 0.1841% | 5,965 |
| Net interest margin | 2.8796% | 5,746 |
| Noninterest income to average assets | 0.3072% | 4,984 |
| Noninterest expense to average assets | 3.0840% | 2,513 |
| Loan and lease loss provision to assets | 0.0999% | 2,374 |
| Net operating income to assets | -0.1227% | 6,231 |
| Return on assets (ROA) | -0.1227% | 6,238 |
| Pretax return on assets | -0.1607% | 6,238 |
| Return on Equity (ROE) | -1.3449% | 6,248 |
| Retained earnings to average equity (ytd only) | -1.3449% | 6,010 |
| Net charge-offs to loans | 0.2042% | 1,839 |
| Credit loss provision to net charge-offs | 89.3204% | 2,446 |
| Earnings coverage of net charge-offs (x) | -0.5437% | 4,503 |
| Efficiency ratio | 102.0108% | 324 |
| Assets per employee ($millions) | 3.3141% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 6,064 |
| Loan loss allowance to noncurrent loans | 17.9801% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 2.6989% | 931 |
| Noncurrent loans to loans | 3.9977% | 532 |
| Net loans and leases to total assets | 54.4117% | 4,524 |
| Net loans and leases to deposits | 60.2836% | 4,913 |
| Net loans and leases to core deposits | 60.6134% | 5,149 |
| Total domestic deposits to total assets | 90.2596% | 624 |
| Equity capital to assets | 9.3364% | 4,996 |
| Core capital (leverage) ratio | 9.0842% | 4,954 |
| Tier 1 risk-based capital ratio | 24.3171% | 951 |
| Total risk-based capital ratio | 25.4061% | 952 |
| Memoranda: | ||
| Average total assets | $122,823,500 | 4,161 |
| Average earning assets | $115,848,000 | 4,096 |
| Average equity | $11,202,000 | 4,551 |
| Average total loans | $67,238,000 | 4,301 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0281% | 6,149 |
| Cost of funding earning assets | 0.1828% | 6,054 |
| Net interest margin | 2.8453% | 5,825 |
| Noninterest income to average assets | 0.3065% | 4,953 |
| Noninterest expense to average assets | 3.0646% | 2,610 |
| Loan and lease loss provision to assets | 0.1323% | 1,875 |
| Net operating income to assets | -0.1597% | 6,290 |
| Return on assets (ROA) | -0.1597% | 6,303 |
| Pretax return on assets | -0.2048% | 6,317 |
| Return on Equity (ROE) | -1.7642% | 6,314 |
| Retained earnings to average equity (ytd only) | -1.7642% | 5,960 |
| Net charge-offs to loans | 0.2771% | 1,429 |
| Credit loss provision to net charge-offs | 87.2340% | 2,227 |
| Earnings coverage of net charge-offs (x) | -0.4787% | 4,176 |
| Efficiency ratio | 102.4259% | 348 |
| Assets per employee ($millions) | 3.2752% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 6,157 |
| Loan loss allowance to noncurrent loans | 17.8531% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 2.6081% | 1,041 |
| Noncurrent loans to loans | 3.9766% | 598 |
| Net loans and leases to total assets | 52.7025% | 4,672 |
| Net loans and leases to deposits | 58.1864% | 5,028 |
| Net loans and leases to core deposits | 58.4905% | 5,236 |
| Total domestic deposits to total assets | 90.5752% | 555 |
| Equity capital to assets | 8.9973% | 5,304 |
| Core capital (leverage) ratio | 8.7091% | 5,386 |
| Tier 1 risk-based capital ratio | 24.1393% | 964 |
| Total risk-based capital ratio | 25.2206% | 971 |
| Memoranda: | ||
| Average total assets | $123,995,670 | 4,157 |
| Average earning assets | $117,036,670 | 4,081 |
| Average equity | $11,223,000 | 4,550 |
| Average total loans | $67,855,000 | 4,303 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 6,200 |
| Cost of funding earning assets | 0.1849% | 6,116 |
| Net interest margin | 2.8564% | 5,838 |
| Noninterest income to average assets | 0.2909% | 5,047 |
| Noninterest expense to average assets | 3.1027% | 2,521 |
| Loan and lease loss provision to assets | 0.0452% | 3,198 |
| Net operating income to assets | -0.1067% | 6,288 |
| Return on assets (ROA) | -0.1067% | 6,299 |
| Pretax return on assets | -0.1616% | 6,323 |
| Return on Equity (ROE) | -1.1748% | 6,311 |
| Retained earnings to average equity (ytd only) | -1.1748% | 5,757 |
| Net charge-offs to loans | 0.4189% | 870 |
| Credit loss provision to net charge-offs | 19.4444% | 2,510 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 3,478 |
| Efficiency ratio | 103.8961% | 376 |
| Assets per employee ($millions) | 3.5281% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 6,375 |
| Loan loss allowance to noncurrent loans | 14.7902% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 2.5785% | 1,216 |
| Noncurrent loans to loans | 4.2104% | 617 |
| Net loans and leases to total assets | 54.6662% | 4,327 |
| Net loans and leases to deposits | 60.4111% | 4,720 |
| Net loans and leases to core deposits | 60.7296% | 4,974 |
| Total domestic deposits to total assets | 90.4903% | 805 |
| Equity capital to assets | 9.0846% | 5,016 |
| Core capital (leverage) ratio | 8.9747% | 5,053 |
| Tier 1 risk-based capital ratio | 24.1339% | 981 |
| Total risk-based capital ratio | 25.0888% | 1,006 |
| Memoranda: | ||
| Average total assets | $123,764,000 | 4,197 |
| Average earning assets | $116,791,500 | 4,122 |
| Average equity | $11,235,500 | 4,563 |
| Average total loans | $68,751,500 | 4,308 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2132% | 6,122 |
| Cost of funding earning assets | 0.2349% | 6,060 |
| Net interest margin | 2.9783% | 5,629 |
| Noninterest income to average assets | 0.3561% | 4,754 |
| Noninterest expense to average assets | 3.0449% | 2,913 |
| Loan and lease loss provision to assets | 0.1833% | 2,010 |
| Net operating income to assets | -0.0408% | 6,249 |
| Return on assets (ROA) | -0.0408% | 6,284 |
| Pretax return on assets | -0.0616% | 6,264 |
| Return on Equity (ROE) | -0.4503% | 6,295 |
| Retained earnings to average equity (ytd only) | -0.4503% | 5,964 |
| Net charge-offs to loans | 0.2971% | 2,206 |
| Credit loss provision to net charge-offs | 105.5300% | 2,287 |
| Earnings coverage of net charge-offs (x) | 0.7005% | 4,854 |
| Efficiency ratio | 96.1587% | 632 |
| Assets per employee ($millions) | 3.1806% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6913% | 6,356 |
| Loan loss allowance to noncurrent loans | 18.0015% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 2.5281% | 1,351 |
| Noncurrent loans to loans | 3.8404% | 776 |
| Net loans and leases to total assets | 55.7020% | 4,358 |
| Net loans and leases to deposits | 61.4741% | 4,777 |
| Net loans and leases to core deposits | 61.7962% | 5,081 |
| Total domestic deposits to total assets | 90.6106% | 742 |
| Equity capital to assets | 9.0718% | 4,950 |
| Core capital (leverage) ratio | 8.9610% | 5,060 |
| Tier 1 risk-based capital ratio | 23.6027% | 1,004 |
| Total risk-based capital ratio | 24.6572% | 1,012 |
| Memoranda: | ||
| Average total assets | $124,961,600 | 4,161 |
| Average earning assets | $117,920,800 | 4,088 |
| Average equity | $11,325,000 | 4,573 |
| Average total loans | $73,049,200 | 4,163 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 6,125 |
| Cost of funding earning assets | 0.2460% | 6,115 |
| Net interest margin | 3.0097% | 5,566 |
| Noninterest income to average assets | 0.3791% | 4,679 |
| Noninterest expense to average assets | 3.0885% | 2,695 |
| Loan and lease loss provision to assets | 0.1235% | 2,747 |
| Net operating income to assets | 0.0053% | 6,290 |
| Return on assets (ROA) | 0.0053% | 6,338 |
| Pretax return on assets | 0.0075% | 6,316 |
| Return on Equity (ROE) | 0.0588% | 6,337 |
| Retained earnings to average equity (ytd only) | 0.0588% | 5,916 |
| Net charge-offs to loans | 0.1840% | 2,759 |
| Credit loss provision to net charge-offs | 113.7255% | 2,069 |
| Earnings coverage of net charge-offs (x) | 1.2059% | 4,438 |
| Efficiency ratio | 95.9312% | 628 |
| Assets per employee ($millions) | 3.2647% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6742% | 6,468 |
| Loan loss allowance to noncurrent loans | 17.8097% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 2.5601% | 1,490 |
| Noncurrent loans to loans | 3.7857% | 964 |
| Net loans and leases to total assets | 57.3567% | 4,112 |
| Net loans and leases to deposits | 63.3378% | 4,587 |
| Net loans and leases to core deposits | 63.9561% | 4,907 |
| Total domestic deposits to total assets | 90.5568% | 722 |
| Equity capital to assets | 9.1361% | 5,010 |
| Core capital (leverage) ratio | 9.0063% | 5,120 |
| Tier 1 risk-based capital ratio | 22.8094% | 1,178 |
| Total risk-based capital ratio | 23.8316% | 1,194 |
| Memoranda: | ||
| Average total assets | $125,191,000 | 4,200 |
| Average earning assets | $118,148,500 | 4,123 |
| Average equity | $11,343,000 | 4,622 |
| Average total loans | $73,917,500 | 4,158 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3060% | 6,079 |
| Cost of funding earning assets | 0.2616% | 6,095 |
| Net interest margin | 3.0444% | 5,447 |
| Noninterest income to average assets | 0.3265% | 5,082 |
| Noninterest expense to average assets | 3.0708% | 2,758 |
| Loan and lease loss provision to assets | 0.1848% | 2,046 |
| Net operating income to assets | -0.0366% | 6,343 |
| Return on assets (ROA) | -0.0366% | 6,396 |
| Pretax return on assets | -0.0557% | 6,400 |
| Return on Equity (ROE) | -0.4054% | 6,404 |
| Retained earnings to average equity (ytd only) | -0.4054% | 5,934 |
| Net charge-offs to loans | 0.2759% | 2,098 |
| Credit loss provision to net charge-offs | 112.6214% | 1,965 |
| Earnings coverage of net charge-offs (x) | 0.7864% | 4,267 |
| Efficiency ratio | 95.9681% | 656 |
| Assets per employee ($millions) | 3.0718% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 6,558 |
| Loan loss allowance to noncurrent loans | 22.0293% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3288% | 1,852 |
| Noncurrent loans to loans | 2.9728% | 1,502 |
| Net loans and leases to total assets | 58.0563% | 3,975 |
| Net loans and leases to deposits | 64.0507% | 4,495 |
| Net loans and leases to core deposits | 64.6653% | 4,823 |
| Total domestic deposits to total assets | 90.6412% | 686 |
| Equity capital to assets | 8.9730% | 5,248 |
| Core capital (leverage) ratio | 8.8485% | 5,226 |
| Tier 1 risk-based capital ratio | 22.2865% | 1,239 |
| Total risk-based capital ratio | 23.2818% | 1,256 |
| Memoranda: | ||
| Average total assets | $125,569,000 | 4,230 |
| Average earning assets | $118,511,000 | 4,150 |
| Average equity | $11,346,000 | 4,650 |
| Average total loans | $74,677,330 | 4,151 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 6,047 |
| Cost of funding earning assets | 0.2871% | 6,060 |
| Net interest margin | 3.0605% | 5,395 |
| Noninterest income to average assets | 0.3254% | 5,101 |
| Noninterest expense to average assets | 3.0627% | 2,801 |
| Loan and lease loss provision to assets | 0.0638% | 3,561 |
| Net operating income to assets | 0.0606% | 6,225 |
| Return on assets (ROA) | 0.0606% | 6,314 |
| Pretax return on assets | 0.0893% | 6,270 |
| Return on Equity (ROE) | 0.6685% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.6685% | 5,559 |
| Net charge-offs to loans | 0.0319% | 3,583 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,991 |
| Efficiency ratio | 95.2381% | 764 |
| Assets per employee ($millions) | 2.9944% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6477% | 6,650 |
| Loan loss allowance to noncurrent loans | 17.7183% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 2.4252% | 1,908 |
| Noncurrent loans to loans | 3.6555% | 1,298 |
| Net loans and leases to total assets | 58.9116% | 3,624 |
| Net loans and leases to deposits | 65.0383% | 4,179 |
| Net loans and leases to core deposits | 65.6637% | 4,573 |
| Total domestic deposits to total assets | 90.5799% | 724 |
| Equity capital to assets | 9.0408% | 5,435 |
| Core capital (leverage) ratio | 8.8967% | 5,062 |
| Tier 1 risk-based capital ratio | 22.3277% | 1,275 |
| Total risk-based capital ratio | 23.3191% | 1,287 |
| Memoranda: | ||
| Average total assets | $125,381,000 | 4,277 |
| Average earning assets | $118,411,500 | 4,187 |
| Average equity | $11,368,500 | 4,705 |
| Average total loans | $75,215,500 | 4,158 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 6,253 |
| Cost of funding earning assets | 0.3429% | 6,256 |
| Net interest margin | 3.2349% | 5,475 |
| Noninterest income to average assets | 0.4266% | 4,407 |
| Noninterest expense to average assets | 3.2666% | 2,438 |
| Loan and lease loss provision to assets | 0.0891% | 4,579 |
| Net operating income to assets | 0.0834% | 6,038 |
| Return on assets (ROA) | 0.0834% | 6,181 |
| Pretax return on assets | 0.1109% | 6,143 |
| Return on Equity (ROE) | 0.9088% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.9088% | 5,417 |
| Net charge-offs to loans | 0.1781% | 3,946 |
| Credit loss provision to net charge-offs | 80.2920% | 3,825 |
| Earnings coverage of net charge-offs (x) | 1.8029% | 4,530 |
| Efficiency ratio | 94.2317% | 789 |
| Assets per employee ($millions) | 2.9070% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6183% | 6,734 |
| Loan loss allowance to noncurrent loans | 19.5498% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 2.3664% | 2,075 |
| Noncurrent loans to loans | 3.1624% | 1,630 |
| Net loans and leases to total assets | 60.3125% | 3,548 |
| Net loans and leases to deposits | 66.6125% | 4,190 |
| Net loans and leases to core deposits | 67.4215% | 4,598 |
| Total domestic deposits to total assets | 90.5423% | 686 |
| Equity capital to assets | 9.0937% | 5,410 |
| Core capital (leverage) ratio | 8.9370% | 4,992 |
| Tier 1 risk-based capital ratio | 21.9385% | 1,276 |
| Total risk-based capital ratio | 22.8847% | 1,307 |
| Memoranda: | ||
| Average total assets | $123,524,600 | 4,282 |
| Average earning assets | $116,077,600 | 4,208 |
| Average equity | $11,333,400 | 4,700 |
| Average total loans | $76,936,000 | 4,123 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 6,383 |
| Cost of funding earning assets | 0.3541% | 6,356 |
| Net interest margin | 3.2558% | 5,524 |
| Noninterest income to average assets | 0.4125% | 4,536 |
| Noninterest expense to average assets | 3.3052% | 2,261 |
| Loan and lease loss provision to assets | 0.0888% | 4,498 |
| Net operating income to assets | 0.0628% | 6,190 |
| Return on assets (ROA) | 0.0628% | 6,329 |
| Pretax return on assets | 0.0747% | 6,304 |
| Return on Equity (ROE) | 0.6828% | 6,307 |
| Retained earnings to average equity (ytd only) | 0.6828% | 5,877 |
| Net charge-offs to loans | 0.1813% | 3,667 |
| Credit loss provision to net charge-offs | 78.0952% | 3,674 |
| Earnings coverage of net charge-offs (x) | 1.4381% | 4,572 |
| Efficiency ratio | 95.2871% | 701 |
| Assets per employee ($millions) | 2.8402% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6168% | 6,844 |
| Loan loss allowance to noncurrent loans | 18.6883% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 2.5301% | 2,087 |
| Noncurrent loans to loans | 3.3003% | 1,665 |
| Net loans and leases to total assets | 62.4070% | 3,311 |
| Net loans and leases to deposits | 69.0584% | 4,015 |
| Net loans and leases to core deposits | 69.9181% | 4,506 |
| Total domestic deposits to total assets | 90.3684% | 645 |
| Equity capital to assets | 9.2902% | 5,478 |
| Core capital (leverage) ratio | 9.1123% | 4,892 |
| Tier 1 risk-based capital ratio | 21.6523% | 1,393 |
| Total risk-based capital ratio | 22.6076% | 1,413 |
| Memoranda: | ||
| Average total assets | $123,156,000 | 4,328 |
| Average earning assets | $115,607,750 | 4,256 |
| Average equity | $11,325,000 | 4,747 |
| Average total loans | $77,205,250 | 4,156 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6047% | 6,475 |
| Cost of funding earning assets | 0.3624% | 6,458 |
| Net interest margin | 3.2424% | 5,613 |
| Noninterest income to average assets | 0.4518% | 4,274 |
| Noninterest expense to average assets | 3.3766% | 2,087 |
| Loan and lease loss provision to assets | 0.0648% | 4,834 |
| Net operating income to assets | 0.0551% | 6,249 |
| Return on assets (ROA) | 0.0551% | 6,386 |
| Pretax return on assets | 0.0534% | 6,382 |
| Return on Equity (ROE) | 0.6008% | 6,370 |
| Retained earnings to average equity (ytd only) | 0.6008% | 5,827 |
| Net charge-offs to loans | 0.1499% | 3,712 |
| Credit loss provision to net charge-offs | 68.9655% | 3,590 |
| Earnings coverage of net charge-offs (x) | 1.2586% | 4,380 |
| Efficiency ratio | 96.6172% | 680 |
| Assets per employee ($millions) | 2.8366% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6190% | 6,912 |
| Loan loss allowance to noncurrent loans | 19.9251% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 2.4869% | 2,247 |
| Noncurrent loans to loans | 3.1065% | 1,890 |
| Net loans and leases to total assets | 61.6175% | 3,508 |
| Net loans and leases to deposits | 68.0741% | 4,184 |
| Net loans and leases to core deposits | 68.9011% | 4,684 |
| Total domestic deposits to total assets | 90.5153% | 655 |
| Equity capital to assets | 9.0744% | 5,612 |
| Core capital (leverage) ratio | 8.8978% | 5,053 |
| Tier 1 risk-based capital ratio | 21.5365% | 1,381 |
| Total risk-based capital ratio | 22.1991% | 1,460 |
| Memoranda: | ||
| Average total assets | $123,498,330 | 4,342 |
| Average earning assets | $115,902,670 | 4,277 |
| Average equity | $11,318,000 | 4,747 |
| Average total loans | $77,377,000 | 4,172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 6,511 |
| Cost of funding earning assets | 0.3752% | 6,527 |
| Net interest margin | 3.2726% | 5,563 |
| Noninterest income to average assets | 0.3745% | 4,864 |
| Noninterest expense to average assets | 3.3376% | 2,178 |
| Loan and lease loss provision to assets | 0.0781% | 4,423 |
| Net operating income to assets | 0.0163% | 6,388 |
| Return on assets (ROA) | 0.0163% | 6,496 |
| Pretax return on assets | 0.0260% | 6,493 |
| Return on Equity (ROE) | 0.1768% | 6,490 |
| Retained earnings to average equity (ytd only) | 0.1768% | 5,921 |
| Net charge-offs to loans | 0.3102% | 2,418 |
| Credit loss provision to net charge-offs | 40.0000% | 3,449 |
| Earnings coverage of net charge-offs (x) | 0.5333% | 4,070 |
| Efficiency ratio | 96.9726% | 679 |
| Assets per employee ($millions) | 2.8849% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 6,988 |
| Loan loss allowance to noncurrent loans | 20.8711% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 2.3773% | 2,500 |
| Noncurrent loans to loans | 2.8419% | 2,273 |
| Net loans and leases to total assets | 62.1467% | 3,230 |
| Net loans and leases to deposits | 68.6351% | 3,937 |
| Net loans and leases to core deposits | 69.3046% | 4,523 |
| Total domestic deposits to total assets | 90.5466% | 777 |
| Equity capital to assets | 9.1108% | 5,341 |
| Core capital (leverage) ratio | 8.9288% | 4,948 |
| Tier 1 risk-based capital ratio | 21.4837% | 1,387 |
| Total risk-based capital ratio | 22.0998% | 1,486 |
| Memoranda: | ||
| Average total assets | $122,841,500 | 4,381 |
| Average earning assets | $115,136,500 | 4,307 |
| Average equity | $11,314,000 | 4,761 |
| Average total loans | $77,373,000 | 4,206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 6,583 |
| Cost of funding earning assets | 0.4962% | 6,550 |
| Net interest margin | 3.4241% | 5,410 |
| Noninterest income to average assets | 0.3183% | 5,262 |
| Noninterest expense to average assets | 3.3939% | 2,258 |
| Loan and lease loss provision to assets | 0.2520% | 3,683 |
| Net operating income to assets | -0.0713% | 6,133 |
| Return on assets (ROA) | -0.0713% | 6,216 |
| Pretax return on assets | -0.1193% | 6,221 |
| Return on Equity (ROE) | -0.7575% | 6,222 |
| Retained earnings to average equity (ytd only) | -0.7575% | 5,972 |
| Net charge-offs to loans | 0.4026% | 3,403 |
| Credit loss provision to net charge-offs | 96.2025% | 3,744 |
| Earnings coverage of net charge-offs (x) | 0.5063% | 5,451 |
| Efficiency ratio | 96.2397% | 813 |
| Assets per employee ($millions) | 2.8287% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3550% | 7,194 |
| Loan loss allowance to noncurrent loans | 11.9965% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 2.3341% | 2,593 |
| Noncurrent loans to loans | 2.9588% | 2,195 |
| Net loans and leases to total assets | 63.2386% | 3,344 |
| Net loans and leases to deposits | 70.0333% | 4,093 |
| Net loans and leases to core deposits | 70.7314% | 4,681 |
| Total domestic deposits to total assets | 90.2979% | 815 |
| Equity capital to assets | 9.3116% | 5,133 |
| Core capital (leverage) ratio | 9.1046% | 4,611 |
| Tier 1 risk-based capital ratio | 21.4735% | 1,325 |
| Total risk-based capital ratio | 22.0372% | 1,437 |
| Memoranda: | ||
| Average total assets | $120,658,200 | 4,383 |
| Average earning assets | $113,052,800 | 4,309 |
| Average equity | $11,353,600 | 4,697 |
| Average total loans | $78,487,400 | 4,195 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 6,647 |
| Cost of funding earning assets | 0.5198% | 6,623 |
| Net interest margin | 3.4415% | 5,423 |
| Noninterest income to average assets | 0.3244% | 5,274 |
| Noninterest expense to average assets | 3.4203% | 2,139 |
| Loan and lease loss provision to assets | 0.2480% | 3,522 |
| Net operating income to assets | -0.0686% | 6,247 |
| Return on assets (ROA) | -0.0686% | 6,339 |
| Pretax return on assets | -0.1185% | 6,350 |
| Return on Equity (ROE) | -0.7276% | 6,344 |
| Retained earnings to average equity (ytd only) | -0.7276% | 6,104 |
| Net charge-offs to loans | 0.3384% | 3,400 |
| Credit loss provision to net charge-offs | 112.0000% | 2,924 |
| Earnings coverage of net charge-offs (x) | 0.5850% | 5,186 |
| Efficiency ratio | 96.3506% | 802 |
| Assets per employee ($millions) | 2.7229% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3930% | 7,234 |
| Loan loss allowance to noncurrent loans | 11.5715% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 2.4182% | 2,665 |
| Noncurrent loans to loans | 3.3962% | 2,035 |
| Net loans and leases to total assets | 64.1250% | 3,285 |
| Net loans and leases to deposits | 70.9693% | 4,146 |
| Net loans and leases to core deposits | 71.6704% | 4,756 |
| Total domestic deposits to total assets | 90.3559% | 694 |
| Equity capital to assets | 9.2646% | 5,431 |
| Core capital (leverage) ratio | 9.0583% | 4,838 |
| Tier 1 risk-based capital ratio | 20.7775% | 1,503 |
| Total risk-based capital ratio | 21.3854% | 1,622 |
| Memoranda: | ||
| Average total assets | $120,414,500 | 4,413 |
| Average earning assets | $112,854,000 | 4,336 |
| Average equity | $11,360,500 | 4,724 |
| Average total loans | $78,811,000 | 4,213 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 6,659 |
| Cost of funding earning assets | 0.5440% | 6,686 |
| Net interest margin | 3.4549% | 5,345 |
| Noninterest income to average assets | 0.3809% | 4,836 |
| Noninterest expense to average assets | 3.4701% | 2,066 |
| Loan and lease loss provision to assets | 0.3742% | 2,554 |
| Net operating income to assets | -0.1353% | 6,398 |
| Return on assets (ROA) | -0.1353% | 6,440 |
| Pretax return on assets | -0.2272% | 6,479 |
| Return on Equity (ROE) | -1.4256% | 6,459 |
| Retained earnings to average equity (ytd only) | -1.4256% | 6,142 |
| Net charge-offs to loans | 0.5179% | 2,545 |
| Credit loss provision to net charge-offs | 109.8039% | 2,797 |
| Earnings coverage of net charge-offs (x) | 0.4314% | 4,980 |
| Efficiency ratio | 95.9353% | 882 |
| Assets per employee ($millions) | 2.4084% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3909% | 7,301 |
| Loan loss allowance to noncurrent loans | 12.2744% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 2.3061% | 2,853 |
| Noncurrent loans to loans | 3.1848% | 2,250 |
| Net loans and leases to total assets | 64.7495% | 3,310 |
| Net loans and leases to deposits | 71.7268% | 4,156 |
| Net loans and leases to core deposits | 72.4485% | 4,763 |
| Total domestic deposits to total assets | 90.2725% | 827 |
| Equity capital to assets | 9.3896% | 4,995 |
| Core capital (leverage) ratio | 9.1988% | 4,402 |
| Tier 1 risk-based capital ratio | 21.2945% | 1,367 |
| Total risk-based capital ratio | 21.9187% | 1,455 |
| Memoranda: | ||
| Average total assets | $119,709,000 | 4,464 |
| Average earning assets | $112,131,000 | 4,378 |
| Average equity | $11,363,330 | 4,726 |
| Average total loans | $78,787,000 | 4,265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 6,639 |
| Cost of funding earning assets | 0.5729% | 6,717 |
| Net interest margin | 3.4552% | 5,201 |
| Noninterest income to average assets | 0.3318% | 5,245 |
| Noninterest expense to average assets | 3.5290% | 1,931 |
| Loan and lease loss provision to assets | 0.0235% | 5,666 |
| Net operating income to assets | 0.0101% | 6,329 |
| Return on assets (ROA) | 0.0101% | 6,363 |
| Pretax return on assets | 0.0134% | 6,335 |
| Return on Equity (ROE) | 0.1053% | 6,360 |
| Retained earnings to average equity (ytd only) | 0.1053% | 5,754 |
| Net charge-offs to loans | 0.0759% | 4,177 |
| Credit loss provision to net charge-offs | 46.6667% | 3,825 |
| Earnings coverage of net charge-offs (x) | 0.7333% | 4,083 |
| Efficiency ratio | 98.9662% | 790 |
| Assets per employee ($millions) | 2.5329% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 7,375 |
| Loan loss allowance to noncurrent loans | 12.5225% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9816% | 3,341 |
| Noncurrent loans to loans | 2.8262% | 2,671 |
| Net loans and leases to total assets | 65.7502% | 3,075 |
| Net loans and leases to deposits | 72.9295% | 3,934 |
| Net loans and leases to core deposits | 73.6715% | 4,568 |
| Total domestic deposits to total assets | 90.1559% | 1,055 |
| Equity capital to assets | 9.5585% | 4,357 |
| Core capital (leverage) ratio | 9.3758% | 4,002 |
| Tier 1 risk-based capital ratio | 21.6953% | 1,281 |
| Total risk-based capital ratio | 22.2737% | 1,364 |
| Memoranda: | ||
| Average total assets | $119,353,000 | 4,503 |
| Average earning assets | $111,717,000 | 4,412 |
| Average equity | $11,391,500 | 4,695 |
| Average total loans | $79,041,500 | 4,289 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 6,611 |
| Cost of funding earning assets | 0.8414% | 6,395 |
| Net interest margin | 3.5635% | 4,986 |
| Noninterest income to average assets | 0.4358% | 4,629 |
| Noninterest expense to average assets | 3.5656% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1261% | 5,522 |
| Return on assets (ROA) | 0.1261% | 5,663 |
| Pretax return on assets | 0.1743% | 5,546 |
| Return on Equity (ROE) | 1.3147% | 5,618 |
| Retained earnings to average equity (ytd only) | 1.3147% | 4,891 |
| Net charge-offs to loans | 0.1104% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.2391% | 4,044 |
| Efficiency ratio | 95.3394% | 993 |
| Assets per employee ($millions) | 2.5460% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3596% | 7,451 |
| Loan loss allowance to noncurrent loans | 13.0474% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 1.9480% | 3,414 |
| Noncurrent loans to loans | 2.7561% | 2,764 |
| Net loans and leases to total assets | 66.2260% | 3,422 |
| Net loans and leases to deposits | 73.4834% | 4,281 |
| Net loans and leases to core deposits | 74.2268% | 4,949 |
| Total domestic deposits to total assets | 90.1237% | 1,023 |
| Equity capital to assets | 9.5303% | 4,369 |
| Core capital (leverage) ratio | 9.3265% | 3,967 |
| Tier 1 risk-based capital ratio | 21.1499% | 1,294 |
| Total risk-based capital ratio | 21.7254% | 1,384 |
| Memoranda: | ||
| Average total assets | $118,185,600 | 4,518 |
| Average earning assets | $109,583,800 | 4,474 |
| Average equity | $11,333,400 | 4,783 |
| Average total loans | $83,331,000 | 4,230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 6,671 |
| Cost of funding earning assets | 0.8993% | 6,395 |
| Net interest margin | 3.5701% | 5,020 |
| Noninterest income to average assets | 0.4595% | 4,485 |
| Noninterest expense to average assets | 3.5987% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1222% | 5,711 |
| Return on assets (ROA) | 0.1222% | 5,874 |
| Pretax return on assets | 0.1630% | 5,811 |
| Return on Equity (ROE) | 1.2726% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.2726% | 5,300 |
| Net charge-offs to loans | 0.0933% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.4409% | 3,954 |
| Efficiency ratio | 95.6679% | 918 |
| Assets per employee ($millions) | 2.4410% | 7,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3867% | 7,543 |
| Loan loss allowance to noncurrent loans | 13.3585% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 2.0408% | 3,418 |
| Noncurrent loans to loans | 2.8949% | 2,758 |
| Net loans and leases to total assets | 68.7005% | 3,055 |
| Net loans and leases to deposits | 76.2256% | 4,144 |
| Net loans and leases to core deposits | 76.9963% | 4,919 |
| Total domestic deposits to total assets | 90.1278% | 817 |
| Equity capital to assets | 9.5444% | 4,772 |
| Core capital (leverage) ratio | 9.2972% | 4,215 |
| Tier 1 risk-based capital ratio | 20.3132% | 1,482 |
| Total risk-based capital ratio | 20.9268% | 1,577 |
| Memoranda: | ||
| Average total assets | $117,817,000 | 4,586 |
| Average earning assets | $108,976,500 | 4,553 |
| Average equity | $11,315,750 | 4,855 |
| Average total loans | $84,280,750 | 4,276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 6,613 |
| Cost of funding earning assets | 0.9495% | 6,379 |
| Net interest margin | 3.5908% | 4,859 |
| Noninterest income to average assets | 0.4487% | 4,526 |
| Noninterest expense to average assets | 3.6274% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1092% | 5,840 |
| Return on assets (ROA) | 0.1092% | 5,952 |
| Pretax return on assets | 0.1314% | 5,921 |
| Return on Equity (ROE) | 1.1345% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.1345% | 5,304 |
| Net charge-offs to loans | 0.0801% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.2647% | 3,875 |
| Efficiency ratio | 96.5048% | 945 |
| Assets per employee ($millions) | 2.2738% | 7,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4091% | 7,595 |
| Loan loss allowance to noncurrent loans | 14.6883% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9808% | 3,519 |
| Noncurrent loans to loans | 2.7855% | 2,870 |
| Net loans and leases to total assets | 70.8208% | 2,709 |
| Net loans and leases to deposits | 78.6074% | 3,866 |
| Net loans and leases to core deposits | 79.6414% | 4,727 |
| Total domestic deposits to total assets | 90.0943% | 879 |
| Equity capital to assets | 9.6029% | 4,549 |
| Core capital (leverage) ratio | 9.3660% | 4,013 |
| Tier 1 risk-based capital ratio | 20.0822% | 1,506 |
| Total risk-based capital ratio | 20.7313% | 1,583 |
| Memoranda: | ||
| Average total assets | $117,219,670 | 4,632 |
| Average earning assets | $108,054,670 | 4,608 |
| Average equity | $11,282,330 | 4,858 |
| Average total loans | $84,877,330 | 4,298 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 6,711 |
| Cost of funding earning assets | 1.0118% | 6,323 |
| Net interest margin | 3.5246% | 5,067 |
| Noninterest income to average assets | 0.4490% | 4,477 |
| Noninterest expense to average assets | 3.5883% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0960% | 6,035 |
| Return on assets (ROA) | 0.0960% | 6,135 |
| Pretax return on assets | 0.1439% | 6,032 |
| Return on Equity (ROE) | 0.9959% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.9959% | 5,416 |
| Net charge-offs to loans | 0.0094% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,137 |
| Efficiency ratio | 96.1433% | 1,015 |
| Assets per employee ($millions) | 2.1906% | 7,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4415% | 7,655 |
| Loan loss allowance to noncurrent loans | 19.0863% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6968% | 3,934 |
| Noncurrent loans to loans | 2.3132% | 3,373 |
| Net loans and leases to total assets | 73.0301% | 2,193 |
| Net loans and leases to deposits | 81.1159% | 3,440 |
| Net loans and leases to core deposits | 82.2011% | 4,457 |
| Total domestic deposits to total assets | 90.0319% | 973 |
| Equity capital to assets | 9.7132% | 4,209 |
| Core capital (leverage) ratio | 9.5035% | 3,766 |
| Tier 1 risk-based capital ratio | 20.0000% | 1,521 |
| Total risk-based capital ratio | 20.7104% | 1,602 |
| Memoranda: | ||
| Average total assets | $116,712,000 | 4,702 |
| Average earning assets | $108,721,000 | 4,640 |
| Average equity | $11,246,500 | 4,907 |
| Average total loans | $85,276,500 | 4,341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 7,395 |
| Cost of funding earning assets | 1.2853% | 6,359 |
| Net interest margin | 3.2009% | 6,091 |
| Noninterest income to average assets | 0.4584% | 4,730 |
| Noninterest expense to average assets | 3.4657% | 2,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0061% | 5,465 |
| Return on assets (ROA) | 0.0061% | 5,516 |
| Pretax return on assets | 0.0104% | 5,416 |
| Return on Equity (ROE) | 0.0625% | 5,515 |
| Retained earnings to average equity (ytd only) | 0.0625% | 4,868 |
| Net charge-offs to loans | 0.0468% | 6,637 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.3077% | 5,809 |
| Efficiency ratio | 99.7014% | 1,115 |
| Assets per employee ($millions) | 2.3465% | 7,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4427% | 7,720 |
| Loan loss allowance to noncurrent loans | 23.6842% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 4,385 |
| Noncurrent loans to loans | 1.8691% | 3,839 |
| Net loans and leases to total assets | 72.4583% | 2,645 |
| Net loans and leases to deposits | 80.9582% | 3,807 |
| Net loans and leases to core deposits | 91.8780% | 4,903 |
| Total domestic deposits to total assets | 89.5009% | 1,208 |
| Equity capital to assets | 9.5599% | 4,341 |
| Core capital (leverage) ratio | 9.3783% | 3,861 |
| Tier 1 risk-based capital ratio | 19.9713% | 1,468 |
| Total risk-based capital ratio | 20.6897% | 1,529 |
| Memoranda: | ||
| Average total assets | $115,617,400 | 4,686 |
| Average earning assets | $109,002,200 | 4,595 |
| Average equity | $11,193,200 | 4,970 |
| Average total loans | $83,396,400 | 4,402 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 7,551 |
| Cost of funding earning assets | 1.3418% | 6,423 |
| Net interest margin | 3.1187% | 6,260 |
| Noninterest income to average assets | 0.4132% | 5,184 |
| Noninterest expense to average assets | 3.4713% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0752% | 5,851 |
| Return on assets (ROA) | -0.0752% | 5,888 |
| Pretax return on assets | -0.1123% | 5,860 |
| Return on Equity (ROE) | -0.7746% | 5,894 |
| Retained earnings to average equity (ytd only) | -0.7746% | 5,428 |
| Net charge-offs to loans | 0.0611% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -2.5524% | 6,778 |
| Efficiency ratio | 103.3425% | 937 |
| Assets per employee ($millions) | 2.1815% | 7,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4484% | 7,770 |
| Loan loss allowance to noncurrent loans | 38.6340% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 4,822 |
| Noncurrent loans to loans | 1.1605% | 5,002 |
| Net loans and leases to total assets | 72.7839% | 2,847 |
| Net loans and leases to deposits | 81.1596% | 4,172 |
| Net loans and leases to core deposits | 92.2254% | 5,215 |
| Total domestic deposits to total assets | 89.6799% | 896 |
| Equity capital to assets | 9.6680% | 4,537 |
| Core capital (leverage) ratio | 9.4565% | 3,968 |
| Tier 1 risk-based capital ratio | 20.3766% | 1,484 |
| Total risk-based capital ratio | 21.1163% | 1,545 |
| Memoranda: | ||
| Average total assets | $115,190,750 | 4,714 |
| Average earning assets | $108,802,250 | 4,625 |
| Average equity | $11,187,500 | 5,024 |
| Average total loans | $82,898,250 | 4,456 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 7,685 |
| Cost of funding earning assets | 1.3869% | 6,527 |
| Net interest margin | 3.0480% | 6,412 |
| Noninterest income to average assets | 0.4085% | 5,209 |
| Noninterest expense to average assets | 3.4768% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1252% | 6,054 |
| Return on assets (ROA) | -0.1252% | 6,089 |
| Pretax return on assets | -0.1877% | 6,109 |
| Return on Equity (ROE) | -1.2868% | 6,119 |
| Retained earnings to average equity (ytd only) | -1.2868% | 5,565 |
| Net charge-offs to loans | 0.0049% | 6,539 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -54.0000% | 6,599 |
| Efficiency ratio | 105.7082% | 973 |
| Assets per employee ($millions) | 2.1907% | 7,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5018% | 7,784 |
| Loan loss allowance to noncurrent loans | 41.7925% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 4,879 |
| Noncurrent loans to loans | 1.2007% | 4,813 |
| Net loans and leases to total assets | 70.8737% | 3,498 |
| Net loans and leases to deposits | 78.6982% | 4,752 |
| Net loans and leases to core deposits | 89.2526% | 5,602 |
| Total domestic deposits to total assets | 90.0575% | 808 |
| Equity capital to assets | 9.5730% | 4,521 |
| Core capital (leverage) ratio | 9.4060% | 4,020 |
| Tier 1 risk-based capital ratio | 20.1855% | 1,540 |
| Total risk-based capital ratio | 20.9818% | 1,585 |
| Memoranda: | ||
| Average total assets | $115,048,000 | 4,749 |
| Average earning assets | $108,728,000 | 4,665 |
| Average equity | $11,190,670 | 5,034 |
| Average total loans | $82,354,000 | 4,513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 7,734 |
| Cost of funding earning assets | 1.4255% | 6,647 |
| Net interest margin | 3.0572% | 6,312 |
| Noninterest income to average assets | 0.4191% | 5,061 |
| Noninterest expense to average assets | 3.4440% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0838% | 6,390 |
| Return on assets (ROA) | -0.0838% | 6,505 |
| Pretax return on assets | -0.1257% | 6,499 |
| Return on Equity (ROE) | -0.8550% | 6,519 |
| Retained earnings to average equity (ytd only) | -0.8550% | 5,851 |
| Net charge-offs to loans | 0.0097% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -18.0000% | 5,658 |
| Efficiency ratio | 103.7895% | 992 |
| Assets per employee ($millions) | 2.1812% | 7,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5056% | 7,816 |
| Loan loss allowance to noncurrent loans | 32.2957% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1329% | 4,411 |
| Noncurrent loans to loans | 1.5654% | 3,935 |
| Net loans and leases to total assets | 72.0072% | 3,242 |
| Net loans and leases to deposits | 80.1562% | 4,585 |
| Net loans and leases to core deposits | 90.0890% | 5,544 |
| Total domestic deposits to total assets | 89.8335% | 872 |
| Equity capital to assets | 9.8817% | 4,142 |
| Core capital (leverage) ratio | 9.6746% | 3,787 |
| Tier 1 risk-based capital ratio | 19.9384% | 1,633 |
| Total risk-based capital ratio | 20.7161% | 1,671 |
| Memoranda: | ||
| Average total assets | $114,518,000 | 4,791 |
| Average earning assets | $108,597,000 | 4,676 |
| Average equity | $11,228,500 | 5,050 |
| Average total loans | $82,178,500 | 4,551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 7,891 |
| Cost of funding earning assets | 1.6629% | 7,333 |
| Net interest margin | 3.2536% | 6,201 |
| Noninterest income to average assets | 0.5067% | 4,570 |
| Noninterest expense to average assets | 3.4887% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0649% | 6,194 |
| Return on assets (ROA) | 0.0649% | 6,050 |
| Pretax return on assets | 0.1012% | 5,941 |
| Return on Equity (ROE) | 0.6863% | 6,016 |
| Retained earnings to average equity (ytd only) | -0.6507% | 5,490 |
| Net charge-offs to loans | -0.0073% | 7,817 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1818% | 1,092 |
| Assets per employee ($millions) | 2.3123% | 7,542 |
| Cash dividends to net income (ytd only)* | 194.8052% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5069% | 7,843 |
| Loan loss allowance to noncurrent loans | 37.2321% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 4,412 |
| Noncurrent loans to loans | 1.3614% | 3,795 |
| Net loans and leases to total assets | 70.7985% | 3,836 |
| Net loans and leases to deposits | 79.2972% | 5,158 |
| Net loans and leases to core deposits | 88.4018% | 5,933 |
| Total domestic deposits to total assets | 89.2824% | 927 |
| Equity capital to assets | 9.7298% | 4,392 |
| Core capital (leverage) ratio | 9.5122% | 4,003 |
| Tier 1 risk-based capital ratio | 19.8764% | 1,638 |
| Total risk-based capital ratio | 20.6555% | 1,692 |
| Memoranda: | ||
| Average total assets | $118,611,200 | 4,558 |
| Average earning assets | $112,397,200 | 4,461 |
| Average equity | $11,219,400 | 5,062 |
| Average total loans | $82,430,200 | 4,439 |