Home > Monroe Federal Savings and Loan Association > Performance and Condition Ratios
Monroe 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 | 3.9947% | 3,972 |
| Cost of funding earning assets | 1.3105% | 2,486 |
| Net interest margin | 2.6841% | 3,841 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.6731% | 1,812 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.0465% | 4,290 |
| Return on assets (ROA) | 0.0465% | 4,318 |
| Pretax return on assets | 0.0151% | 4,328 |
| Return on Equity (ROE) | 0.8600% | 4,274 |
| Retained earnings to average equity (ytd only) | 0.8626% | 3,863 |
| Net charge-offs to loans | -0.0136% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.0245% | 188 |
| Assets per employee ($millions) | 6.0491% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 3,944 |
| Loan loss allowance to noncurrent loans | 153.8330% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,476 |
| Noncurrent loans to loans | 0.5263% | 1,473 |
| Net loans and leases to total assets | 70.3400% | 1,772 |
| Net loans and leases to deposits | 76.6606% | 2,384 |
| Net loans and leases to core deposits | 83.9387% | 2,454 |
| Total domestic deposits to total assets | 91.7600% | 347 |
| Equity capital to assets | 5.5501% | 4,327 |
| Core capital (leverage) ratio | 8.7076% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9008% | 1,897 |
| Memoranda: | ||
| Average total assets | $152,630,800 | 3,335 |
| Average earning assets | $139,485,800 | 3,350 |
| Average equity | $8,230,600 | 3,904 |
| Average total loans | $110,413,400 | 3,057 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,863 |
| Cost of funding earning assets | 1.2370% | 2,312 |
| Net interest margin | 2.7527% | 3,801 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.6583% | 1,775 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.0924% | 4,325 |
| Return on assets (ROA) | 0.0924% | 4,347 |
| Pretax return on assets | 0.0722% | 4,354 |
| Return on Equity (ROE) | 1.7300% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.7271% | 3,789 |
| Net charge-offs to loans | -0.0169% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.1061% | 216 |
| Assets per employee ($millions) | 6.0585% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 3,927 |
| Loan loss allowance to noncurrent loans | 151.9008% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 1,444 |
| Noncurrent loans to loans | 0.5440% | 1,463 |
| Net loans and leases to total assets | 72.8300% | 1,486 |
| Net loans and leases to deposits | 83.9222% | 1,744 |
| Net loans and leases to core deposits | 92.1065% | 1,787 |
| Total domestic deposits to total assets | 86.7800% | 1,957 |
| Equity capital to assets | 4.7728% | 4,290 |
| Core capital (leverage) ratio | 8.5986% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6983% | 2,007 |
| Memoranda: | ||
| Average total assets | $151,469,500 | 3,353 |
| Average earning assets | $138,284,500 | 3,371 |
| Average equity | $8,106,000 | 3,924 |
| Average total loans | $110,133,000 | 3,056 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 3,854 |
| Cost of funding earning assets | 1.1181% | 2,218 |
| Net interest margin | 2.7903% | 3,836 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.6579% | 1,757 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.1175% | 4,350 |
| Return on assets (ROA) | 0.1175% | 4,380 |
| Pretax return on assets | 0.1043% | 4,391 |
| Return on Equity (ROE) | 2.1200% | 4,259 |
| Retained earnings to average equity (ytd only) | 2.1195% | 3,698 |
| Net charge-offs to loans | -0.0164% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.5387% | 234 |
| Assets per employee ($millions) | 6.4014% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 4,012 |
| Loan loss allowance to noncurrent loans | 140.4025% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 1,273 |
| Noncurrent loans to loans | 0.5730% | 1,307 |
| Net loans and leases to total assets | 72.8000% | 1,436 |
| Net loans and leases to deposits | 82.2088% | 1,812 |
| Net loans and leases to core deposits | 90.5375% | 1,758 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 5.3335% | 4,321 |
| Core capital (leverage) ratio | 8.5207% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6663% | 2,033 |
| Memoranda: | ||
| Average total assets | $151,471,667 | 3,364 |
| Average earning assets | $138,622,333 | 3,379 |
| Average equity | $8,398,333 | 3,918 |
| Average total loans | $109,769,667 | 3,058 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 3,856 |
| Cost of funding earning assets | 0.9993% | 2,051 |
| Net interest margin | 2.8003% | 3,943 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5906% | 1,978 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.1782% | 4,378 |
| Return on assets (ROA) | 0.1782% | 4,348 |
| Pretax return on assets | 0.1809% | 4,357 |
| Return on Equity (ROE) | 3.1500% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.1528% | 3,471 |
| Net charge-offs to loans | -0.0259% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.1476% | 302 |
| Assets per employee ($millions) | 6.3093% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5874% | 4,376 |
| Loan loss allowance to noncurrent loans | 100.9434% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 1,227 |
| Noncurrent loans to loans | 0.5819% | 1,277 |
| Net loans and leases to total assets | 71.7500% | 1,452 |
| Net loans and leases to deposits | 85.0619% | 1,422 |
| Net loans and leases to core deposits | 94.0108% | 1,394 |
| Total domestic deposits to total assets | 84.3600% | 3,009 |
| Equity capital to assets | 5.8306% | 4,259 |
| Core capital (leverage) ratio | 8.9072% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $150,391,000 | 3,421 |
| Average earning assets | $137,698,500 | 3,433 |
| Average equity | $8,500,500 | 3,952 |
| Average total loans | $108,280,500 | 3,112 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4433% | 3,226 |
| Cost of funding earning assets | 0.5237% | 1,246 |
| Net interest margin | 2.9196% | 3,638 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.4827% | 2,172 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.3153% | 4,350 |
| Return on assets (ROA) | 0.3153% | 4,320 |
| Pretax return on assets | 0.3538% | 4,323 |
| Return on Equity (ROE) | 4.8200% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.8225% | 3,128 |
| Net charge-offs to loans | -0.0305% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.2521% | 412 |
| Assets per employee ($millions) | 6.2233% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 4,361 |
| Loan loss allowance to noncurrent loans | 99.5185% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 1,233 |
| Noncurrent loans to loans | 0.5808% | 1,279 |
| Net loans and leases to total assets | 71.4000% | 1,483 |
| Net loans and leases to deposits | 78.9596% | 1,849 |
| Net loans and leases to core deposits | 86.8170% | 1,691 |
| Total domestic deposits to total assets | 90.4300% | 1,184 |
| Equity capital to assets | 5.4714% | 4,244 |
| Core capital (leverage) ratio | 8.9298% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $143,032,400 | 3,511 |
| Average earning assets | $131,764,400 | 3,510 |
| Average equity | $9,352,000 | 3,955 |
| Average total loans | $98,493,000 | 3,174 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 3,030 |
| Cost of funding earning assets | 0.4405% | 1,027 |
| Net interest margin | 2.9147% | 3,449 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.4781% | 2,075 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.3186% | 4,364 |
| Return on assets (ROA) | 0.3186% | 4,315 |
| Pretax return on assets | 0.3572% | 4,325 |
| Return on Equity (ROE) | 4.6700% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.6715% | 3,211 |
| Net charge-offs to loans | -0.0318% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.1120% | 458 |
| Assets per employee ($millions) | 6.0200% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5775% | 4,400 |
| Loan loss allowance to noncurrent loans | 93.2917% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 1,220 |
| Noncurrent loans to loans | 0.6190% | 1,310 |
| Net loans and leases to total assets | 71.2600% | 1,370 |
| Net loans and leases to deposits | 81.7933% | 1,461 |
| Net loans and leases to core deposits | 89.7218% | 1,313 |
| Total domestic deposits to total assets | 87.1200% | 2,725 |
| Equity capital to assets | 5.2035% | 4,234 |
| Core capital (leverage) ratio | 9.0659% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $141,451,000 | 3,546 |
| Average earning assets | $130,461,750 | 3,542 |
| Average equity | $9,647,000 | 3,956 |
| Average total loans | $96,299,750 | 3,217 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2646% | 2,858 |
| Cost of funding earning assets | 0.3869% | 1,008 |
| Net interest margin | 2.8777% | 3,229 |
| Noninterest income to average assets | 0.1837% | 4,085 |
| Noninterest expense to average assets | 2.4722% | 2,020 |
| Loan and lease loss provision to assets | 0.0427% | 1,801 |
| Net operating income to assets | 0.2962% | 4,296 |
| Return on assets (ROA) | 0.2962% | 4,244 |
| Pretax return on assets | 0.3275% | 4,260 |
| Return on Equity (ROE) | 4.0167% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.0167% | 3,075 |
| Net charge-offs to loans | -0.0362% | 4,116 |
| Credit loss provision to net charge-offs | -176.4706% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9739% | 539 |
| Assets per employee ($millions) | 5.9837% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5877% | 4,472 |
| Loan loss allowance to noncurrent loans | 65.6428% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 907 |
| Noncurrent loans to loans | 0.8953% | 942 |
| Net loans and leases to total assets | 67.9663% | 1,481 |
| Net loans and leases to deposits | 77.9655% | 1,544 |
| Net loans and leases to core deposits | 84.0777% | 1,444 |
| Total domestic deposits to total assets | 87.1748% | 2,876 |
| Equity capital to assets | 5.6821% | 4,306 |
| Core capital (leverage) ratio | 9.2204% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,441,667 | 3,596 |
| Average earning assets | $129,757,000 | 3,599 |
| Average equity | $10,356,667 | 3,945 |
| Average total loans | $93,882,333 | 3,276 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2093% | 2,658 |
| Cost of funding earning assets | 0.3614% | 1,121 |
| Net interest margin | 2.8479% | 2,991 |
| Noninterest income to average assets | 0.1815% | 4,076 |
| Noninterest expense to average assets | 2.4601% | 1,988 |
| Loan and lease loss provision to assets | 0.0432% | 1,580 |
| Net operating income to assets | 0.2996% | 4,145 |
| Return on assets (ROA) | 0.2996% | 4,117 |
| Pretax return on assets | 0.3342% | 4,139 |
| Return on Equity (ROE) | 3.6316% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.6316% | 3,062 |
| Net charge-offs to loans | -0.0044% | 3,299 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7005% | 693 |
| Assets per employee ($millions) | 5.7622% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 4,516 |
| Loan loss allowance to noncurrent loans | 60.5993% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 912 |
| Noncurrent loans to loans | 0.9672% | 938 |
| Net loans and leases to total assets | 66.9636% | 1,314 |
| Net loans and leases to deposits | 77.9223% | 1,293 |
| Net loans and leases to core deposits | 81.2797% | 1,399 |
| Total domestic deposits to total assets | 85.9364% | 3,277 |
| Equity capital to assets | 7.5825% | 3,869 |
| Core capital (leverage) ratio | 9.2408% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7621% | 1,893 |
| Memoranda: | ||
| Average total assets | $138,858,500 | 3,630 |
| Average earning assets | $129,499,500 | 3,614 |
| Average equity | $11,455,000 | 3,911 |
| Average total loans | $91,732,500 | 3,302 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2369% | 3,382 |
| Cost of funding earning assets | 0.4783% | 1,017 |
| Net interest margin | 2.7586% | 3,761 |
| Noninterest income to average assets | 0.2009% | 4,162 |
| Noninterest expense to average assets | 2.5333% | 2,078 |
| Loan and lease loss provision to assets | 0.0441% | 2,173 |
| Net operating income to assets | 0.1966% | 4,537 |
| Return on assets (ROA) | 0.2001% | 4,556 |
| Pretax return on assets | 0.2112% | 4,569 |
| Return on Equity (ROE) | 2.1740% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.1740% | 3,931 |
| Net charge-offs to loans | -0.0166% | 3,912 |
| Credit loss provision to net charge-offs | -428.5714% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9643% | 295 |
| Assets per employee ($millions) | 5.3625% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 4,550 |
| Loan loss allowance to noncurrent loans | 56.8060% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 967 |
| Noncurrent loans to loans | 1.0331% | 953 |
| Net loans and leases to total assets | 64.3957% | 1,655 |
| Net loans and leases to deposits | 73.3521% | 1,785 |
| Net loans and leases to core deposits | 76.5831% | 1,871 |
| Total domestic deposits to total assets | 87.7898% | 2,156 |
| Equity capital to assets | 8.9109% | 3,714 |
| Core capital (leverage) ratio | 9.0343% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,909,400 | 3,622 |
| Average earning assets | $127,312,800 | 3,607 |
| Average equity | $12,511,600 | 3,879 |
| Average total loans | $84,472,600 | 3,411 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2616% | 3,480 |
| Cost of funding earning assets | 0.4977% | 1,058 |
| Net interest margin | 2.7639% | 3,856 |
| Noninterest income to average assets | 0.2034% | 4,183 |
| Noninterest expense to average assets | 2.5475% | 1,981 |
| Loan and lease loss provision to assets | 0.0444% | 2,107 |
| Net operating income to assets | 0.1879% | 4,637 |
| Return on assets (ROA) | 0.1925% | 4,652 |
| Pretax return on assets | 0.2044% | 4,663 |
| Return on Equity (ROE) | 2.0744% | 4,583 |
| Retained earnings to average equity (ytd only) | 2.0744% | 4,171 |
| Net charge-offs to loans | -0.0193% | 3,947 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2628% | 292 |
| Assets per employee ($millions) | 5.7816% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 4,635 |
| Loan loss allowance to noncurrent loans | 53.4932% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 1,078 |
| Noncurrent loans to loans | 1.1229% | 997 |
| Net loans and leases to total assets | 61.1787% | 2,117 |
| Net loans and leases to deposits | 69.4382% | 2,293 |
| Net loans and leases to core deposits | 72.6726% | 2,356 |
| Total domestic deposits to total assets | 88.1053% | 1,775 |
| Equity capital to assets | 8.9839% | 3,846 |
| Core capital (leverage) ratio | 9.1068% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,030,750 | 3,667 |
| Average earning assets | $126,437,500 | 3,647 |
| Average equity | $12,533,500 | 3,934 |
| Average total loans | $83,012,500 | 3,475 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 3,708 |
| Cost of funding earning assets | 0.5204% | 1,090 |
| Net interest margin | 2.6612% | 4,056 |
| Noninterest income to average assets | 0.2123% | 4,134 |
| Noninterest expense to average assets | 2.5667% | 1,938 |
| Loan and lease loss provision to assets | 0.0448% | 2,116 |
| Net operating income to assets | 0.1031% | 4,709 |
| Return on assets (ROA) | 0.1046% | 4,720 |
| Pretax return on assets | 0.0942% | 4,740 |
| Return on Equity (ROE) | 1.1150% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.1150% | 4,317 |
| Net charge-offs to loans | -0.0195% | 3,985 |
| Credit loss provision to net charge-offs | -375.0000% | 3,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9143% | 240 |
| Assets per employee ($millions) | 5.9853% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 4,659 |
| Loan loss allowance to noncurrent loans | 42.2222% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 919 |
| Noncurrent loans to loans | 1.4233% | 817 |
| Net loans and leases to total assets | 59.3562% | 2,501 |
| Net loans and leases to deposits | 67.5180% | 2,668 |
| Net loans and leases to core deposits | 72.1625% | 2,590 |
| Total domestic deposits to total assets | 87.9117% | 1,879 |
| Equity capital to assets | 9.1071% | 3,705 |
| Core capital (leverage) ratio | 8.8953% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,788,000 | 3,696 |
| Average earning assets | $125,282,333 | 3,676 |
| Average equity | $12,556,000 | 3,938 |
| Average total loans | $82,215,333 | 3,512 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 3,441 |
| Cost of funding earning assets | 0.5333% | 1,189 |
| Net interest margin | 2.7702% | 3,828 |
| Noninterest income to average assets | 0.2184% | 4,084 |
| Noninterest expense to average assets | 2.6060% | 1,872 |
| Loan and lease loss provision to assets | 0.0455% | 2,166 |
| Net operating income to assets | 0.1576% | 4,668 |
| Return on assets (ROA) | 0.1547% | 4,687 |
| Pretax return on assets | 0.1638% | 4,692 |
| Return on Equity (ROE) | 1.6235% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.6235% | 4,091 |
| Net charge-offs to loans | -0.0243% | 4,087 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4650% | 315 |
| Assets per employee ($millions) | 5.9250% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5787% | 4,711 |
| Loan loss allowance to noncurrent loans | 40.4762% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 1,022 |
| Noncurrent loans to loans | 1.4297% | 884 |
| Net loans and leases to total assets | 60.0084% | 2,544 |
| Net loans and leases to deposits | 68.2470% | 2,675 |
| Net loans and leases to core deposits | 72.9754% | 2,616 |
| Total domestic deposits to total assets | 87.9282% | 1,884 |
| Equity capital to assets | 9.0493% | 3,630 |
| Core capital (leverage) ratio | 9.7746% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,851,000 | 3,716 |
| Average earning assets | $123,747,000 | 3,698 |
| Average equity | $12,565,500 | 3,945 |
| Average total loans | $82,220,500 | 3,522 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 3,353 |
| Cost of funding earning assets | 0.7459% | 1,475 |
| Net interest margin | 3.0361% | 3,807 |
| Noninterest income to average assets | 0.2302% | 4,121 |
| Noninterest expense to average assets | 2.8166% | 1,898 |
| Loan and lease loss provision to assets | 0.0086% | 4,248 |
| Net operating income to assets | 0.2176% | 4,550 |
| Return on assets (ROA) | 0.2449% | 4,569 |
| Pretax return on assets | 0.2630% | 4,591 |
| Return on Equity (ROE) | 2.2614% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.2614% | 3,725 |
| Net charge-offs to loans | 0.1043% | 1,425 |
| Credit loss provision to net charge-offs | 11.7647% | 3,251 |
| Earnings coverage of net charge-offs (x) | 3.3059% | 3,097 |
| Efficiency ratio | 92.0800% | 314 |
| Assets per employee ($millions) | 5.5407% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5547% | 4,752 |
| Loan loss allowance to noncurrent loans | 41.1552% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 1,149 |
| Noncurrent loans to loans | 1.3479% | 1,007 |
| Net loans and leases to total assets | 64.1459% | 2,334 |
| Net loans and leases to deposits | 73.9626% | 2,486 |
| Net loans and leases to core deposits | 79.3379% | 2,417 |
| Total domestic deposits to total assets | 86.7275% | 2,067 |
| Equity capital to assets | 10.0513% | 3,085 |
| Core capital (leverage) ratio | 9.7432% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,989,000 | 3,798 |
| Average earning assets | $108,064,600 | 3,795 |
| Average equity | $12,558,800 | 3,910 |
| Average total loans | $81,523,600 | 3,527 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 3,293 |
| Cost of funding earning assets | 0.8049% | 1,473 |
| Net interest margin | 3.0813% | 3,785 |
| Noninterest income to average assets | 0.2369% | 4,078 |
| Noninterest expense to average assets | 2.8816% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2071% | 4,578 |
| Return on assets (ROA) | 0.2581% | 4,555 |
| Pretax return on assets | 0.2746% | 4,573 |
| Return on Equity (ROE) | 2.3366% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.3366% | 3,805 |
| Net charge-offs to loans | 0.1442% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 3,016 |
| Efficiency ratio | 92.8951% | 288 |
| Assets per employee ($millions) | 4.8941% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5195% | 4,796 |
| Loan loss allowance to noncurrent loans | 37.8956% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 1,121 |
| Noncurrent loans to loans | 1.3707% | 1,066 |
| Net loans and leases to total assets | 72.2286% | 1,632 |
| Net loans and leases to deposits | 84.3204% | 1,879 |
| Net loans and leases to core deposits | 90.8321% | 1,901 |
| Total domestic deposits to total assets | 85.6597% | 2,195 |
| Equity capital to assets | 10.8302% | 2,530 |
| Core capital (leverage) ratio | 10.3906% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,127,250 | 3,829 |
| Average earning assets | $105,189,500 | 3,834 |
| Average equity | $12,496,250 | 3,922 |
| Average total loans | $81,354,250 | 3,550 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,558 |
| Cost of funding earning assets | 0.8740% | 1,483 |
| Net interest margin | 3.0476% | 4,021 |
| Noninterest income to average assets | 0.2328% | 4,086 |
| Noninterest expense to average assets | 2.8885% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1726% | 4,603 |
| Return on assets (ROA) | 0.2525% | 4,544 |
| Pretax return on assets | 0.2615% | 4,574 |
| Return on Equity (ROE) | 2.2703% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.2703% | 3,650 |
| Net charge-offs to loans | -0.0225% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1623% | 291 |
| Assets per employee ($millions) | 4.9594% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 4,706 |
| Loan loss allowance to noncurrent loans | 175.8958% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 3,279 |
| Noncurrent loans to loans | 0.3562% | 3,126 |
| Net loans and leases to total assets | 71.9574% | 1,712 |
| Net loans and leases to deposits | 83.5819% | 2,034 |
| Net loans and leases to core deposits | 90.5083% | 2,032 |
| Total domestic deposits to total assets | 86.0921% | 1,974 |
| Equity capital to assets | 10.5674% | 2,694 |
| Core capital (leverage) ratio | 10.7177% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,683,333 | 3,840 |
| Average earning assets | $103,886,667 | 3,843 |
| Average equity | $12,421,333 | 3,932 |
| Average total loans | $80,045,000 | 3,570 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,643 |
| Cost of funding earning assets | 0.9424% | 1,678 |
| Net interest margin | 3.1106% | 4,072 |
| Noninterest income to average assets | 0.2555% | 4,011 |
| Noninterest expense to average assets | 2.7923% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3195% | 4,307 |
| Return on assets (ROA) | 0.4592% | 4,051 |
| Pretax return on assets | 0.4999% | 4,125 |
| Return on Equity (ROE) | 4.0185% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.0185% | 2,674 |
| Net charge-offs to loans | -0.0312% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9151% | 539 |
| Assets per employee ($millions) | 4.4628% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,614 |
| Loan loss allowance to noncurrent loans | 169.9367% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,275 |
| Noncurrent loans to loans | 0.4092% | 3,027 |
| Net loans and leases to total assets | 71.5945% | 1,983 |
| Net loans and leases to deposits | 86.2342% | 1,969 |
| Net loans and leases to core deposits | 95.7723% | 1,814 |
| Total domestic deposits to total assets | 83.0234% | 3,105 |
| Equity capital to assets | 11.6838% | 2,299 |
| Core capital (leverage) ratio | 11.4060% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,012,000 | 3,870 |
| Average earning assets | $100,172,000 | 3,871 |
| Average equity | $12,343,000 | 3,962 |
| Average total loans | $76,973,500 | 3,629 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 3,599 |
| Cost of funding earning assets | 0.9177% | 2,125 |
| Net interest margin | 3.3605% | 3,849 |
| Noninterest income to average assets | 0.2718% | 4,048 |
| Noninterest expense to average assets | 3.2087% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1724% | 4,868 |
| Return on assets (ROA) | 0.1769% | 4,880 |
| Pretax return on assets | 0.1918% | 4,888 |
| Return on Equity (ROE) | 1.5007% | 4,862 |
| Retained earnings to average equity (ytd only) | 1.5007% | 4,204 |
| Net charge-offs to loans | -0.0108% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4978% | 236 |
| Assets per employee ($millions) | 4.7356% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6921% | 4,593 |
| Loan loss allowance to noncurrent loans | 163.8889% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 3,250 |
| Noncurrent loans to loans | 0.4223% | 2,932 |
| Net loans and leases to total assets | 69.9581% | 2,398 |
| Net loans and leases to deposits | 82.2551% | 2,533 |
| Net loans and leases to core deposits | 90.9023% | 2,335 |
| Total domestic deposits to total assets | 85.0502% | 2,474 |
| Equity capital to assets | 11.1754% | 2,838 |
| Core capital (leverage) ratio | 11.4011% | 2,188 |
| Tier 1 risk-based capital ratio | 17.3956% | 1,926 |
| Total risk-based capital ratio | 18.1576% | 2,027 |
| Memoranda: | ||
| Average total assets | $101,163,800 | 3,982 |
| Average earning assets | $94,035,000 | 3,969 |
| Average equity | $11,927,400 | 4,005 |
| Average total loans | $74,350,600 | 3,694 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 3,615 |
| Cost of funding earning assets | 0.8992% | 2,240 |
| Net interest margin | 3.4163% | 3,821 |
| Noninterest income to average assets | 0.2795% | 4,074 |
| Noninterest expense to average assets | 3.2397% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1918% | 4,956 |
| Return on assets (ROA) | 0.2002% | 4,969 |
| Pretax return on assets | 0.2244% | 4,967 |
| Return on Equity (ROE) | 1.6742% | 4,939 |
| Retained earnings to average equity (ytd only) | 1.6742% | 4,371 |
| Net charge-offs to loans | -0.0072% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7767% | 238 |
| Assets per employee ($millions) | 4.5023% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 4,693 |
| Loan loss allowance to noncurrent loans | 99.2467% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 2,476 |
| Noncurrent loans to loans | 0.6816% | 2,257 |
| Net loans and leases to total assets | 74.7253% | 1,689 |
| Net loans and leases to deposits | 88.5336% | 1,863 |
| Net loans and leases to core deposits | 98.7469% | 1,765 |
| Total domestic deposits to total assets | 84.4033% | 2,671 |
| Equity capital to assets | 11.7475% | 2,466 |
| Core capital (leverage) ratio | 11.7836% | 2,009 |
| Tier 1 risk-based capital ratio | 16.2470% | 2,350 |
| Total risk-based capital ratio | 16.9551% | 2,493 |
| Memoranda: | ||
| Average total assets | $99,225,250 | 4,055 |
| Average earning assets | $92,222,500 | 4,051 |
| Average equity | $11,866,250 | 4,055 |
| Average total loans | $73,756,250 | 3,742 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 3,756 |
| Cost of funding earning assets | 0.8485% | 2,406 |
| Net interest margin | 3.4136% | 3,850 |
| Noninterest income to average assets | 0.2843% | 4,040 |
| Noninterest expense to average assets | 3.2664% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1685% | 5,021 |
| Return on assets (ROA) | 0.1739% | 5,027 |
| Pretax return on assets | 0.2004% | 5,024 |
| Return on Equity (ROE) | 1.4448% | 5,008 |
| Retained earnings to average equity (ytd only) | 1.4448% | 4,306 |
| Net charge-offs to loans | -0.0083% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3853% | 231 |
| Assets per employee ($millions) | 4.5386% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6964% | 4,723 |
| Loan loss allowance to noncurrent loans | 104.5726% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 2,533 |
| Noncurrent loans to loans | 0.6660% | 2,294 |
| Net loans and leases to total assets | 75.1174% | 1,702 |
| Net loans and leases to deposits | 89.3320% | 1,821 |
| Net loans and leases to core deposits | 96.5700% | 2,011 |
| Total domestic deposits to total assets | 84.0880% | 2,819 |
| Equity capital to assets | 12.0081% | 2,179 |
| Core capital (leverage) ratio | 12.3083% | 1,632 |
| Tier 1 risk-based capital ratio | 17.2207% | 2,021 |
| Total risk-based capital ratio | 17.9738% | 2,116 |
| Memoranda: | ||
| Average total assets | $97,782,330 | 4,103 |
| Average earning assets | $90,988,330 | 4,097 |
| Average equity | $11,766,670 | 4,081 |
| Average total loans | $72,372,330 | 3,791 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,711 |
| Cost of funding earning assets | 0.7877% | 2,605 |
| Net interest margin | 3.4621% | 3,712 |
| Noninterest income to average assets | 0.2894% | 3,939 |
| Noninterest expense to average assets | 3.2579% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1837% | 5,021 |
| Return on assets (ROA) | 0.1902% | 5,022 |
| Pretax return on assets | 0.2563% | 4,991 |
| Return on Equity (ROE) | 1.5787% | 5,015 |
| Retained earnings to average equity (ytd only) | 1.5787% | 4,173 |
| Net charge-offs to loans | -0.0057% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9245% | 306 |
| Assets per employee ($millions) | 4.3755% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 4,678 |
| Loan loss allowance to noncurrent loans | 102.1442% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,505 |
| Noncurrent loans to loans | 0.7273% | 2,202 |
| Net loans and leases to total assets | 72.7335% | 2,040 |
| Net loans and leases to deposits | 85.3881% | 2,202 |
| Net loans and leases to core deposits | 91.8265% | 2,314 |
| Total domestic deposits to total assets | 85.1799% | 2,608 |
| Equity capital to assets | 12.2438% | 1,880 |
| Core capital (leverage) ratio | 12.2591% | 1,627 |
| Tier 1 risk-based capital ratio | 18.1737% | 1,749 |
| Total risk-based capital ratio | 18.9680% | 1,835 |
| Memoranda: | ||
| Average total assets | $96,749,000 | 4,157 |
| Average earning assets | $89,887,500 | 4,149 |
| Average equity | $11,655,000 | 4,106 |
| Average total loans | $70,793,500 | 3,850 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,833 |
| Cost of funding earning assets | 0.5554% | 3,015 |
| Net interest margin | 3.5166% | 3,649 |
| Noninterest income to average assets | 0.3584% | 3,698 |
| Noninterest expense to average assets | 3.2255% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4015% | 4,863 |
| Return on assets (ROA) | 0.4015% | 4,854 |
| Pretax return on assets | 0.4036% | 4,929 |
| Return on Equity (ROE) | 3.4695% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.4695% | 3,675 |
| Net charge-offs to loans | 0.2075% | 923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.7483% | 3,492 |
| Efficiency ratio | 88.8795% | 394 |
| Assets per employee ($millions) | 4.2277% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 4,716 |
| Loan loss allowance to noncurrent loans | 99.4297% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,430 |
| Noncurrent loans to loans | 0.7403% | 2,147 |
| Net loans and leases to total assets | 72.5300% | 2,174 |
| Net loans and leases to deposits | 83.1802% | 2,605 |
| Net loans and leases to core deposits | 87.0584% | 2,831 |
| Total domestic deposits to total assets | 87.1962% | 1,683 |
| Equity capital to assets | 11.8515% | 1,998 |
| Core capital (leverage) ratio | 12.2768% | 1,569 |
| Tier 1 risk-based capital ratio | 18.4499% | 1,626 |
| Total risk-based capital ratio | 19.2579% | 1,713 |
| Memoranda: | ||
| Average total assets | $97,379,400 | 4,144 |
| Average earning assets | $90,571,000 | 4,135 |
| Average equity | $11,269,600 | 4,120 |
| Average total loans | $68,929,400 | 3,892 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,938 |
| Cost of funding earning assets | 0.5224% | 3,038 |
| Net interest margin | 3.4757% | 3,779 |
| Noninterest income to average assets | 0.3791% | 3,605 |
| Noninterest expense to average assets | 3.2150% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4079% | 4,939 |
| Return on assets (ROA) | 0.4079% | 4,941 |
| Pretax return on assets | 0.3969% | 5,034 |
| Return on Equity (ROE) | 3.5456% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.5456% | 3,995 |
| Net charge-offs to loans | 0.1618% | 1,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.4941% | 3,157 |
| Efficiency ratio | 89.0110% | 362 |
| Assets per employee ($millions) | 4.3774% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,515 |
| Loan loss allowance to noncurrent loans | 88.6018% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 2,152 |
| Noncurrent loans to loans | 0.9397% | 1,807 |
| Net loans and leases to total assets | 72.1044% | 2,315 |
| Net loans and leases to deposits | 84.9561% | 2,480 |
| Net loans and leases to core deposits | 88.7602% | 2,773 |
| Total domestic deposits to total assets | 84.8726% | 2,653 |
| Equity capital to assets | 11.6446% | 2,151 |
| Core capital (leverage) ratio | 12.3240% | 1,594 |
| Tier 1 risk-based capital ratio | 18.2997% | 1,719 |
| Total risk-based capital ratio | 19.2001% | 1,763 |
| Memoranda: | ||
| Average total assets | $97,415,000 | 4,183 |
| Average earning assets | $90,608,000 | 4,178 |
| Average equity | $11,206,000 | 4,174 |
| Average total loans | $68,399,500 | 3,940 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 3,956 |
| Cost of funding earning assets | 0.5098% | 2,935 |
| Net interest margin | 3.4301% | 3,862 |
| Noninterest income to average assets | 0.3559% | 3,781 |
| Noninterest expense to average assets | 3.1395% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4397% | 4,875 |
| Return on assets (ROA) | 0.4397% | 4,880 |
| Pretax return on assets | 0.4091% | 5,035 |
| Return on Equity (ROE) | 3.8381% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.8381% | 3,684 |
| Net charge-offs to loans | -0.0442% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4726% | 436 |
| Assets per employee ($millions) | 4.7398% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,862 |
| Loan loss allowance to noncurrent loans | 105.7453% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 2,290 |
| Noncurrent loans to loans | 0.9425% | 1,847 |
| Net loans and leases to total assets | 67.9630% | 2,875 |
| Net loans and leases to deposits | 77.2967% | 3,225 |
| Net loans and leases to core deposits | 80.4173% | 3,381 |
| Total domestic deposits to total assets | 87.9249% | 1,422 |
| Equity capital to assets | 11.2614% | 2,395 |
| Core capital (leverage) ratio | 12.0009% | 1,711 |
| Tier 1 risk-based capital ratio | 18.6078% | 1,649 |
| Total risk-based capital ratio | 19.6847% | 1,655 |
| Memoranda: | ||
| Average total assets | $97,786,000 | 4,213 |
| Average earning assets | $91,018,330 | 4,206 |
| Average equity | $11,203,330 | 4,205 |
| Average total loans | $67,859,000 | 3,976 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 3,843 |
| Cost of funding earning assets | 0.5098% | 2,722 |
| Net interest margin | 3.4226% | 3,811 |
| Noninterest income to average assets | 0.2807% | 4,295 |
| Noninterest expense to average assets | 3.2070% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4004% | 4,926 |
| Return on assets (ROA) | 0.4004% | 4,926 |
| Pretax return on assets | 0.2600% | 5,200 |
| Return on Equity (ROE) | 3.4641% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.4641% | 3,816 |
| Net charge-offs to loans | -0.0828% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5000% | 350 |
| Assets per employee ($millions) | 4.8228% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,890 |
| Loan loss allowance to noncurrent loans | 103.0303% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 2,144 |
| Noncurrent loans to loans | 0.9803% | 1,857 |
| Net loans and leases to total assets | 69.0923% | 2,615 |
| Net loans and leases to deposits | 78.8889% | 2,931 |
| Net loans and leases to core deposits | 81.1720% | 3,223 |
| Total domestic deposits to total assets | 87.5818% | 1,857 |
| Equity capital to assets | 11.5380% | 2,100 |
| Core capital (leverage) ratio | 12.0514% | 1,619 |
| Tier 1 risk-based capital ratio | 18.9095% | 1,572 |
| Total risk-based capital ratio | 20.0133% | 1,574 |
| Memoranda: | ||
| Average total assets | $96,911,500 | 4,271 |
| Average earning assets | $90,223,500 | 4,265 |
| Average equity | $11,200,500 | 4,247 |
| Average total loans | $67,624,500 | 4,020 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 3,322 |
| Cost of funding earning assets | 0.5407% | 2,023 |
| Net interest margin | 3.4855% | 3,570 |
| Noninterest income to average assets | 0.2886% | 4,399 |
| Noninterest expense to average assets | 3.0383% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2480% | 5,023 |
| Return on assets (ROA) | 0.2373% | 5,048 |
| Pretax return on assets | 0.4684% | 4,976 |
| Return on Equity (ROE) | 2.0368% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.0368% | 4,098 |
| Net charge-offs to loans | 0.0231% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 30.9333% | 1,512 |
| Efficiency ratio | 86.2315% | 630 |
| Assets per employee ($millions) | 4.0570% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,050 |
| Loan loss allowance to noncurrent loans | 99.5516% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 2,149 |
| Noncurrent loans to loans | 0.9849% | 1,799 |
| Net loans and leases to total assets | 69.0781% | 2,671 |
| Net loans and leases to deposits | 78.8409% | 3,028 |
| Net loans and leases to core deposits | 79.8736% | 3,431 |
| Total domestic deposits to total assets | 87.6171% | 1,693 |
| Equity capital to assets | 11.5767% | 2,134 |
| Core capital (leverage) ratio | 11.9211% | 1,650 |
| Tier 1 risk-based capital ratio | 18.6640% | 1,599 |
| Total risk-based capital ratio | 19.7444% | 1,606 |
| Memoranda: | ||
| Average total assets | $95,646,600 | 4,319 |
| Average earning assets | $88,766,800 | 4,317 |
| Average equity | $11,144,800 | 4,278 |
| Average total loans | $64,833,800 | 4,079 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 3,271 |
| Cost of funding earning assets | 0.5544% | 1,861 |
| Net interest margin | 3.4685% | 3,607 |
| Noninterest income to average assets | 0.2857% | 4,482 |
| Noninterest expense to average assets | 3.0694% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3619% | 5,078 |
| Return on assets (ROA) | 0.3431% | 5,152 |
| Pretax return on assets | 0.4089% | 5,171 |
| Return on Equity (ROE) | 2.9394% | 5,123 |
| Retained earnings to average equity (ytd only) | 2.9394% | 4,158 |
| Net charge-offs to loans | 0.0125% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 51.3325% | 1,098 |
| Efficiency ratio | 87.6800% | 525 |
| Assets per employee ($millions) | 4.1737% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 4,035 |
| Loan loss allowance to noncurrent loans | 98.3965% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 2,364 |
| Noncurrent loans to loans | 1.0195% | 1,905 |
| Net loans and leases to total assets | 69.3942% | 2,647 |
| Net loans and leases to deposits | 79.3716% | 3,031 |
| Net loans and leases to core deposits | 81.4165% | 3,340 |
| Total domestic deposits to total assets | 87.4296% | 1,656 |
| Equity capital to assets | 11.7944% | 2,114 |
| Core capital (leverage) ratio | 12.1322% | 1,613 |
| Tier 1 risk-based capital ratio | 18.5497% | 1,711 |
| Total risk-based capital ratio | 19.6362% | 1,713 |
| Memoranda: | ||
| Average total assets | $95,216,250 | 4,367 |
| Average earning assets | $88,259,750 | 4,367 |
| Average equity | $11,113,000 | 4,328 |
| Average total loans | $64,060,750 | 4,129 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,147 |
| Cost of funding earning assets | 0.5510% | 1,770 |
| Net interest margin | 3.4667% | 3,519 |
| Noninterest income to average assets | 0.2801% | 4,551 |
| Noninterest expense to average assets | 3.0835% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3519% | 5,091 |
| Return on assets (ROA) | 0.3307% | 5,174 |
| Pretax return on assets | 0.3918% | 5,185 |
| Return on Equity (ROE) | 2.8433% | 5,164 |
| Retained earnings to average equity (ytd only) | 2.8433% | 4,015 |
| Net charge-offs to loans | 0.0254% | 2,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,631 |
| Efficiency ratio | 88.0866% | 540 |
| Assets per employee ($millions) | 4.3424% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,866 |
| Loan loss allowance to noncurrent loans | 96.1429% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,370 |
| Noncurrent loans to loans | 1.0888% | 1,798 |
| Net loans and leases to total assets | 66.5916% | 3,020 |
| Net loans and leases to deposits | 76.1051% | 3,331 |
| Net loans and leases to core deposits | 78.0605% | 3,593 |
| Total domestic deposits to total assets | 87.4996% | 1,723 |
| Equity capital to assets | 11.7331% | 2,126 |
| Core capital (leverage) ratio | 12.0214% | 1,622 |
| Tier 1 risk-based capital ratio | 19.2873% | 1,521 |
| Total risk-based capital ratio | 20.4223% | 1,502 |
| Memoranda: | ||
| Average total assets | $94,956,670 | 4,396 |
| Average earning assets | $88,210,330 | 4,397 |
| Average equity | $11,043,330 | 4,354 |
| Average total loans | $62,984,330 | 4,177 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 3,677 |
| Cost of funding earning assets | 0.5398% | 1,787 |
| Net interest margin | 3.2840% | 4,069 |
| Noninterest income to average assets | 0.2831% | 4,523 |
| Noninterest expense to average assets | 3.1732% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1817% | 5,423 |
| Return on assets (ROA) | 0.1817% | 5,435 |
| Pretax return on assets | 0.1690% | 5,465 |
| Return on Equity (ROE) | 1.5693% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.5693% | 4,476 |
| Net charge-offs to loans | -0.0128% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9431% | 349 |
| Assets per employee ($millions) | 4.3243% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,630 |
| Loan loss allowance to noncurrent loans | 87.6765% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 2,249 |
| Noncurrent loans to loans | 1.2705% | 1,586 |
| Net loans and leases to total assets | 63.7343% | 3,309 |
| Net loans and leases to deposits | 72.8438% | 3,526 |
| Net loans and leases to core deposits | 74.2142% | 3,812 |
| Total domestic deposits to total assets | 87.4945% | 1,991 |
| Equity capital to assets | 11.5395% | 2,158 |
| Core capital (leverage) ratio | 11.9686% | 1,651 |
| Tier 1 risk-based capital ratio | 19.7213% | 1,443 |
| Total risk-based capital ratio | 20.9109% | 1,432 |
| Memoranda: | ||
| Average total assets | $94,668,500 | 4,449 |
| Average earning assets | $88,185,500 | 4,441 |
| Average equity | $10,960,500 | 4,394 |
| Average total loans | $62,331,500 | 4,232 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,537 |
| Cost of funding earning assets | 0.5333% | 1,843 |
| Net interest margin | 3.3778% | 3,899 |
| Noninterest income to average assets | 0.3142% | 4,488 |
| Noninterest expense to average assets | 3.0636% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3112% | 5,197 |
| Return on assets (ROA) | 0.3835% | 5,079 |
| Pretax return on assets | 0.5102% | 5,003 |
| Return on Equity (ROE) | 3.1894% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.1894% | 3,642 |
| Net charge-offs to loans | 0.0186% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 31.8333% | 1,380 |
| Efficiency ratio | 88.0997% | 672 |
| Assets per employee ($millions) | 4.2820% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,858 |
| Loan loss allowance to noncurrent loans | 72.1398% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 1,893 |
| Noncurrent loans to loans | 1.4902% | 1,354 |
| Net loans and leases to total assets | 66.5223% | 3,000 |
| Net loans and leases to deposits | 76.3735% | 3,278 |
| Net loans and leases to core deposits | 77.8218% | 3,581 |
| Total domestic deposits to total assets | 87.1013% | 2,085 |
| Equity capital to assets | 11.6164% | 2,071 |
| Core capital (leverage) ratio | 12.0742% | 1,557 |
| Tier 1 risk-based capital ratio | 19.3128% | 1,521 |
| Total risk-based capital ratio | 20.4787% | 1,502 |
| Memoranda: | ||
| Average total assets | $92,310,000 | 4,506 |
| Average earning assets | $86,446,600 | 4,465 |
| Average equity | $11,099,200 | 4,415 |
| Average total loans | $64,354,800 | 4,172 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,418 |
| Cost of funding earning assets | 0.5280% | 1,888 |
| Net interest margin | 3.4222% | 3,765 |
| Noninterest income to average assets | 0.3078% | 4,571 |
| Noninterest expense to average assets | 3.1040% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3038% | 5,276 |
| Return on assets (ROA) | 0.3339% | 5,279 |
| Pretax return on assets | 0.4530% | 5,224 |
| Return on Equity (ROE) | 2.7532% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.7532% | 4,241 |
| Net charge-offs to loans | 0.0041% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 141.8202% | 488 |
| Efficiency ratio | 88.2742% | 661 |
| Assets per employee ($millions) | 4.3713% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,755 |
| Loan loss allowance to noncurrent loans | 83.6562% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 2,307 |
| Noncurrent loans to loans | 1.3335% | 1,657 |
| Net loans and leases to total assets | 66.7259% | 2,998 |
| Net loans and leases to deposits | 76.8323% | 3,305 |
| Net loans and leases to core deposits | 78.3216% | 3,630 |
| Total domestic deposits to total assets | 86.8461% | 1,966 |
| Equity capital to assets | 12.2650% | 1,927 |
| Core capital (leverage) ratio | 12.3102% | 1,478 |
| Tier 1 risk-based capital ratio | 19.7479% | 1,495 |
| Total risk-based capital ratio | 20.9712% | 1,465 |
| Memoranda: | ||
| Average total assets | $91,836,750 | 4,550 |
| Average earning assets | $86,102,250 | 4,508 |
| Average equity | $11,138,250 | 4,451 |
| Average total loans | $64,606,750 | 4,197 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 3,468 |
| Cost of funding earning assets | 0.5202% | 1,941 |
| Net interest margin | 3.4195% | 3,808 |
| Noninterest income to average assets | 0.3070% | 4,591 |
| Noninterest expense to average assets | 3.0681% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3381% | 5,214 |
| Return on assets (ROA) | 0.3832% | 5,169 |
| Pretax return on assets | 0.5204% | 5,095 |
| Return on Equity (ROE) | 3.1717% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.1717% | 3,881 |
| Net charge-offs to loans | 0.0122% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 52.7500% | 965 |
| Efficiency ratio | 86.9753% | 794 |
| Assets per employee ($millions) | 4.1650% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,102 |
| Loan loss allowance to noncurrent loans | 81.3459% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 2,304 |
| Noncurrent loans to loans | 1.3170% | 1,712 |
| Net loans and leases to total assets | 69.4380% | 2,564 |
| Net loans and leases to deposits | 80.8206% | 2,840 |
| Net loans and leases to core deposits | 82.3531% | 3,232 |
| Total domestic deposits to total assets | 85.9162% | 2,464 |
| Equity capital to assets | 12.2907% | 1,909 |
| Core capital (leverage) ratio | 12.1535% | 1,540 |
| Tier 1 risk-based capital ratio | 19.1950% | 1,652 |
| Total risk-based capital ratio | 20.3863% | 1,630 |
| Memoranda: | ||
| Average total assets | $91,849,670 | 4,585 |
| Average earning assets | $86,505,000 | 4,533 |
| Average equity | $11,098,000 | 4,479 |
| Average total loans | $65,494,330 | 4,207 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,592 |
| Cost of funding earning assets | 0.5143% | 1,991 |
| Net interest margin | 3.3841% | 3,923 |
| Noninterest income to average assets | 0.3088% | 4,519 |
| Noninterest expense to average assets | 3.0231% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3784% | 5,058 |
| Return on assets (ROA) | 0.3784% | 5,130 |
| Pretax return on assets | 0.4915% | 5,105 |
| Return on Equity (ROE) | 3.1590% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.1590% | 3,937 |
| Net charge-offs to loans | -0.0182% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0149% | 974 |
| Assets per employee ($millions) | 4.1346% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,291 |
| Loan loss allowance to noncurrent loans | 84.8780% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 2,434 |
| Noncurrent loans to loans | 1.2476% | 1,938 |
| Net loans and leases to total assets | 71.4922% | 2,114 |
| Net loans and leases to deposits | 82.2904% | 2,510 |
| Net loans and leases to core deposits | 83.8350% | 2,953 |
| Total domestic deposits to total assets | 86.8779% | 2,261 |
| Equity capital to assets | 12.2481% | 1,859 |
| Core capital (leverage) ratio | 11.9973% | 1,606 |
| Tier 1 risk-based capital ratio | 18.7311% | 1,796 |
| Total risk-based capital ratio | 19.9150% | 1,768 |
| Memoranda: | ||
| Average total assets | $91,959,500 | 4,616 |
| Average earning assets | $87,112,000 | 4,560 |
| Average equity | $11,016,000 | 4,502 |
| Average total loans | $66,084,000 | 4,217 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,446 |
| Cost of funding earning assets | 0.5374% | 1,867 |
| Net interest margin | 3.4286% | 3,804 |
| Noninterest income to average assets | 0.2463% | 5,123 |
| Noninterest expense to average assets | 3.3024% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1548% | 5,666 |
| Return on assets (ROA) | 0.1665% | 5,697 |
| Pretax return on assets | 0.2386% | 5,630 |
| Return on Equity (ROE) | 1.3844% | 5,704 |
| Retained earnings to average equity (ytd only) | 1.3844% | 4,938 |
| Net charge-offs to loans | 0.1010% | 2,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.9412% | 3,804 |
| Efficiency ratio | 93.7028% | 499 |
| Assets per employee ($millions) | 4.2254% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 4,363 |
| Loan loss allowance to noncurrent loans | 140.5680% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 3,516 |
| Noncurrent loans to loans | 0.7420% | 2,952 |
| Net loans and leases to total assets | 70.7298% | 2,258 |
| Net loans and leases to deposits | 80.9278% | 2,716 |
| Net loans and leases to core deposits | 82.3943% | 3,102 |
| Total domestic deposits to total assets | 87.3986% | 1,926 |
| Equity capital to assets | 11.7160% | 2,184 |
| Core capital (leverage) ratio | 11.9135% | 1,674 |
| Tier 1 risk-based capital ratio | 19.1402% | 1,671 |
| Total risk-based capital ratio | 20.3542% | 1,636 |
| Memoranda: | ||
| Average total assets | $90,116,800 | 4,671 |
| Average earning assets | $86,156,600 | 4,584 |
| Average equity | $10,835,200 | 4,512 |
| Average total loans | $67,323,000 | 4,166 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 3,375 |
| Cost of funding earning assets | 0.5435% | 1,859 |
| Net interest margin | 3.4482% | 3,757 |
| Noninterest income to average assets | 0.2371% | 5,235 |
| Noninterest expense to average assets | 3.3897% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1030% | 5,846 |
| Return on assets (ROA) | 0.1193% | 5,862 |
| Pretax return on assets | 0.1625% | 5,834 |
| Return on Equity (ROE) | 0.9857% | 5,859 |
| Retained earnings to average equity (ytd only) | 0.9857% | 5,321 |
| Net charge-offs to loans | 0.1441% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.2877% | 3,853 |
| Efficiency ratio | 96.0287% | 417 |
| Assets per employee ($millions) | 3.8866% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 4,539 |
| Loan loss allowance to noncurrent loans | 235.6164% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,460 |
| Noncurrent loans to loans | 0.4404% | 4,026 |
| Net loans and leases to total assets | 73.3969% | 1,840 |
| Net loans and leases to deposits | 84.4002% | 2,355 |
| Net loans and leases to core deposits | 86.4520% | 2,803 |
| Total domestic deposits to total assets | 86.9630% | 2,063 |
| Equity capital to assets | 12.1890% | 1,969 |
| Core capital (leverage) ratio | 12.1209% | 1,607 |
| Tier 1 risk-based capital ratio | 18.3471% | 1,940 |
| Total risk-based capital ratio | 19.5099% | 1,927 |
| Memoranda: | ||
| Average total assets | $89,406,500 | 4,737 |
| Average earning assets | $85,375,750 | 4,654 |
| Average equity | $10,821,250 | 4,568 |
| Average total loans | $67,543,250 | 4,189 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 3,312 |
| Cost of funding earning assets | 0.5419% | 1,890 |
| Net interest margin | 3.4534% | 3,690 |
| Noninterest income to average assets | 0.2326% | 5,299 |
| Noninterest expense to average assets | 3.4805% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0293% | 5,960 |
| Return on assets (ROA) | 0.0514% | 5,973 |
| Pretax return on assets | 0.0783% | 5,952 |
| Return on Equity (ROE) | 0.4261% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.4261% | 5,373 |
| Net charge-offs to loans | 0.1972% | 1,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2985% | 3,677 |
| Efficiency ratio | 98.7310% | 356 |
| Assets per employee ($millions) | 3.7138% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 4,765 |
| Loan loss allowance to noncurrent loans | 71.5464% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 2,297 |
| Noncurrent loans to loans | 1.4264% | 1,877 |
| Net loans and leases to total assets | 75.5150% | 1,432 |
| Net loans and leases to deposits | 86.7673% | 1,973 |
| Net loans and leases to core deposits | 88.8707% | 2,468 |
| Total domestic deposits to total assets | 87.0316% | 2,151 |
| Equity capital to assets | 12.0955% | 1,953 |
| Core capital (leverage) ratio | 12.0805% | 1,606 |
| Tier 1 risk-based capital ratio | 17.7038% | 2,157 |
| Total risk-based capital ratio | 18.8414% | 2,142 |
| Memoranda: | ||
| Average total assets | $89,411,330 | 4,782 |
| Average earning assets | $85,249,670 | 4,700 |
| Average equity | $10,796,330 | 4,605 |
| Average total loans | $67,958,000 | 4,214 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 3,318 |
| Cost of funding earning assets | 0.5390% | 1,934 |
| Net interest margin | 3.4354% | 3,688 |
| Noninterest income to average assets | 0.2859% | 4,883 |
| Noninterest expense to average assets | 3.7163% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1027% | 6,107 |
| Return on assets (ROA) | -0.1027% | 6,131 |
| Pretax return on assets | -0.1563% | 6,140 |
| Return on Equity (ROE) | -0.8515% | 6,115 |
| Retained earnings to average equity (ytd only) | -0.8515% | 5,526 |
| Net charge-offs to loans | 0.3356% | 727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.6140% | 3,153 |
| Efficiency ratio | 104.3915% | 265 |
| Assets per employee ($millions) | 3.8573% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,804 |
| Loan loss allowance to noncurrent loans | 55.5205% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 1,682 |
| Noncurrent loans to loans | 1.8787% | 1,429 |
| Net loans and leases to total assets | 75.2815% | 1,313 |
| Net loans and leases to deposits | 86.6186% | 1,763 |
| Net loans and leases to core deposits | 88.7208% | 2,250 |
| Total domestic deposits to total assets | 86.9115% | 2,420 |
| Equity capital to assets | 12.2082% | 1,886 |
| Core capital (leverage) ratio | 11.9469% | 1,674 |
| Tier 1 risk-based capital ratio | 18.8638% | 1,910 |
| Total risk-based capital ratio | 20.0986% | 1,870 |
| Memoranda: | ||
| Average total assets | $89,551,000 | 4,819 |
| Average earning assets | $85,347,000 | 4,734 |
| Average equity | $10,804,000 | 4,644 |
| Average total loans | $67,936,000 | 4,234 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 3,811 |
| Cost of funding earning assets | 0.6080% | 1,700 |
| Net interest margin | 3.3675% | 4,339 |
| Noninterest income to average assets | 0.6421% | 2,605 |
| Noninterest expense to average assets | 3.0852% | 2,575 |
| Loan and lease loss provision to assets | 0.0053% | 4,509 |
| Net operating income to assets | 0.4968% | 4,823 |
| Return on assets (ROA) | 0.4818% | 4,974 |
| Pretax return on assets | 0.7493% | 4,446 |
| Return on Equity (ROE) | 4.3476% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.3476% | 3,087 |
| Net charge-offs to loans | 0.0241% | 4,353 |
| Credit loss provision to net charge-offs | 29.4118% | 3,841 |
| Earnings coverage of net charge-offs (x) | 43.1176% | 1,022 |
| Efficiency ratio | 79.8626% | 1,953 |
| Assets per employee ($millions) | 3.9297% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 4,589 |
| Loan loss allowance to noncurrent loans | 52.6502% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.6364% | 1,649 |
| Noncurrent loans to loans | 2.0693% | 1,323 |
| Net loans and leases to total assets | 74.8304% | 1,445 |
| Net loans and leases to deposits | 86.0648% | 1,977 |
| Net loans and leases to core deposits | 88.1030% | 2,488 |
| Total domestic deposits to total assets | 86.9467% | 2,315 |
| Equity capital to assets | 11.9237% | 2,067 |
| Core capital (leverage) ratio | 11.9237% | 1,678 |
| Tier 1 risk-based capital ratio | 18.8133% | 1,904 |
| Total risk-based capital ratio | 20.0632% | 1,865 |
| Memoranda: | ||
| Average total assets | $94,225,400 | 4,750 |
| Average earning assets | $90,126,200 | 4,651 |
| Average equity | $10,442,600 | 4,667 |
| Average total loans | $70,555,600 | 4,167 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,837 |
| Cost of funding earning assets | 0.6216% | 1,661 |
| Net interest margin | 3.3579% | 4,397 |
| Noninterest income to average assets | 0.7634% | 2,037 |
| Noninterest expense to average assets | 3.0102% | 2,773 |
| Loan and lease loss provision to assets | 0.0070% | 4,283 |
| Net operating income to assets | 0.6191% | 4,357 |
| Return on assets (ROA) | 0.6191% | 4,449 |
| Pretax return on assets | 0.9623% | 3,749 |
| Return on Equity (ROE) | 5.6890% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.6890% | 2,617 |
| Net charge-offs to loans | -0.1050% | 6,154 |
| Credit loss provision to net charge-offs | -8.9286% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6424% | 2,547 |
| Assets per employee ($millions) | 3.9926% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 4,302 |
| Loan loss allowance to noncurrent loans | 54.0291% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.6487% | 1,837 |
| Noncurrent loans to loans | 2.1951% | 1,389 |
| Net loans and leases to total assets | 74.2187% | 1,490 |
| Net loans and leases to deposits | 87.9533% | 1,678 |
| Net loans and leases to core deposits | 90.0544% | 2,218 |
| Total domestic deposits to total assets | 84.3842% | 3,598 |
| Equity capital to assets | 11.6062% | 2,390 |
| Core capital (leverage) ratio | 11.7227% | 1,897 |
| Tier 1 risk-based capital ratio | 19.0309% | 1,900 |
| Total risk-based capital ratio | 20.2807% | 1,865 |
| Memoranda: | ||
| Average total assets | $95,186,000 | 4,762 |
| Average earning assets | $91,165,000 | 4,666 |
| Average equity | $10,359,000 | 4,718 |
| Average total loans | $71,099,750 | 4,187 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 3,959 |
| Cost of funding earning assets | 0.6200% | 1,732 |
| Net interest margin | 3.3232% | 4,493 |
| Noninterest income to average assets | 1.0031% | 1,188 |
| Noninterest expense to average assets | 2.8971% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8265% | 3,197 |
| Return on assets (ROA) | 0.8265% | 3,295 |
| Pretax return on assets | 1.2897% | 2,294 |
| Return on Equity (ROE) | 7.7588% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.7588% | 1,408 |
| Net charge-offs to loans | -0.1476% | 6,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1964% | 3,799 |
| Assets per employee ($millions) | 3.9469% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 4,708 |
| Loan loss allowance to noncurrent loans | 66.6118% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2837% | 2,549 |
| Noncurrent loans to loans | 1.7114% | 2,019 |
| Net loans and leases to total assets | 74.1536% | 1,422 |
| Net loans and leases to deposits | 85.3788% | 1,879 |
| Net loans and leases to core deposits | 87.3928% | 2,377 |
| Total domestic deposits to total assets | 86.8525% | 2,546 |
| Equity capital to assets | 11.2315% | 2,670 |
| Core capital (leverage) ratio | 11.3180% | 2,145 |
| Tier 1 risk-based capital ratio | 18.2435% | 2,151 |
| Total risk-based capital ratio | 19.4960% | 2,115 |
| Memoranda: | ||
| Average total assets | $96,304,670 | 4,767 |
| Average earning assets | $92,260,000 | 4,674 |
| Average equity | $10,259,330 | 4,751 |
| Average total loans | $71,808,670 | 4,169 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 4,106 |
| Cost of funding earning assets | 0.6190% | 1,827 |
| Net interest margin | 3.2754% | 4,643 |
| Noninterest income to average assets | 0.9805% | 1,173 |
| Noninterest expense to average assets | 2.8591% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7827% | 3,239 |
| Return on assets (ROA) | 0.7827% | 3,321 |
| Pretax return on assets | 1.2606% | 2,246 |
| Return on Equity (ROE) | 7.5475% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.5475% | 1,794 |
| Net charge-offs to loans | -0.0166% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4000% | 3,935 |
| Assets per employee ($millions) | 3.9655% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,229 |
| Loan loss allowance to noncurrent loans | 55.0725% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.4500% | 2,448 |
| Noncurrent loans to loans | 1.9510% | 1,928 |
| Net loans and leases to total assets | 73.5245% | 1,342 |
| Net loans and leases to deposits | 86.8239% | 1,490 |
| Net loans and leases to core deposits | 88.9044% | 2,008 |
| Total domestic deposits to total assets | 84.6823% | 4,007 |
| Equity capital to assets | 10.7606% | 2,973 |
| Core capital (leverage) ratio | 11.0150% | 2,375 |
| Tier 1 risk-based capital ratio | 18.1393% | 2,233 |
| Total risk-based capital ratio | 19.3902% | 2,209 |
| Memoranda: | ||
| Average total assets | $97,094,500 | 4,795 |
| Average earning assets | $93,056,500 | 4,706 |
| Average equity | $10,069,500 | 4,799 |
| Average total loans | $72,187,000 | 4,195 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,898 |
| Cost of funding earning assets | 0.6857% | 1,913 |
| Net interest margin | 3.3706% | 4,402 |
| Noninterest income to average assets | 0.2547% | 5,528 |
| Noninterest expense to average assets | 3.0174% | 3,007 |
| Loan and lease loss provision to assets | 0.0356% | 4,409 |
| Net operating income to assets | 0.2371% | 5,722 |
| Return on assets (ROA) | 0.2730% | 5,695 |
| Pretax return on assets | 0.4727% | 5,290 |
| Return on Equity (ROE) | 2.5167% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.5167% | 4,461 |
| Net charge-offs to loans | 0.0935% | 3,913 |
| Credit loss provision to net charge-offs | 52.3810% | 3,759 |
| Earnings coverage of net charge-offs (x) | 6.6508% | 3,012 |
| Efficiency ratio | 86.9673% | 1,317 |
| Assets per employee ($millions) | 4.1258% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 5,425 |
| Loan loss allowance to noncurrent loans | 51.9204% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 2,527 |
| Noncurrent loans to loans | 1.9799% | 2,013 |
| Net loans and leases to total assets | 73.6058% | 1,420 |
| Net loans and leases to deposits | 86.7025% | 1,607 |
| Net loans and leases to core deposits | 88.7248% | 2,160 |
| Total domestic deposits to total assets | 84.8947% | 3,801 |
| Equity capital to assets | 9.9962% | 3,779 |
| Core capital (leverage) ratio | 10.3808% | 3,045 |
| Tier 1 risk-based capital ratio | 16.7941% | 2,717 |
| Total risk-based capital ratio | 18.0256% | 2,678 |
| Memoranda: | ||
| Average total assets | $92,662,600 | 4,913 |
| Average earning assets | $88,381,200 | 4,821 |
| Average equity | $10,053,000 | 4,835 |
| Average total loans | $67,374,000 | 4,362 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 3,774 |
| Cost of funding earning assets | 0.7011% | 1,938 |
| Net interest margin | 3.3947% | 4,312 |
| Noninterest income to average assets | 0.2694% | 5,527 |
| Noninterest expense to average assets | 3.0173% | 2,931 |
| Loan and lease loss provision to assets | 0.0483% | 4,047 |
| Net operating income to assets | 0.2543% | 5,767 |
| Return on assets (ROA) | 0.3030% | 5,723 |
| Pretax return on assets | 0.5124% | 5,317 |
| Return on Equity (ROE) | 2.7348% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.7348% | 4,682 |
| Net charge-offs to loans | 0.1520% | 3,023 |
| Credit loss provision to net charge-offs | 44.0000% | 3,632 |
| Earnings coverage of net charge-offs (x) | 4.4132% | 3,450 |
| Efficiency ratio | 86.1622% | 1,349 |
| Assets per employee ($millions) | 3.9653% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,392 |
| Loan loss allowance to noncurrent loans | 59.5524% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3145% | 3,017 |
| Noncurrent loans to loans | 1.8189% | 2,470 |
| Net loans and leases to total assets | 71.4888% | 1,683 |
| Net loans and leases to deposits | 84.6255% | 1,787 |
| Net loans and leases to core deposits | 86.6806% | 2,324 |
| Total domestic deposits to total assets | 84.4766% | 3,991 |
| Equity capital to assets | 10.4649% | 3,318 |
| Core capital (leverage) ratio | 10.7631% | 2,709 |
| Tier 1 risk-based capital ratio | 18.1637% | 2,263 |
| Total risk-based capital ratio | 19.4150% | 2,226 |
| Memoranda: | ||
| Average total assets | $91,073,750 | 5,001 |
| Average earning assets | $86,720,250 | 4,906 |
| Average equity | $10,091,750 | 4,874 |
| Average total loans | $65,807,500 | 4,453 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 3,557 |
| Cost of funding earning assets | 0.7097% | 2,007 |
| Net interest margin | 3.4362% | 4,055 |
| Noninterest income to average assets | 0.2831% | 5,423 |
| Noninterest expense to average assets | 2.9852% | 3,049 |
| Loan and lease loss provision to assets | 0.0490% | 4,000 |
| Net operating income to assets | 0.3182% | 5,530 |
| Return on assets (ROA) | 0.3924% | 5,409 |
| Pretax return on assets | 0.6354% | 4,893 |
| Return on Equity (ROE) | 3.4728% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.4728% | 4,106 |
| Net charge-offs to loans | 0.0432% | 4,076 |
| Credit loss provision to net charge-offs | 157.1429% | 1,473 |
| Earnings coverage of net charge-offs (x) | 18.2143% | 1,566 |
| Efficiency ratio | 84.0025% | 1,635 |
| Assets per employee ($millions) | 3.6114% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 4,971 |
| Loan loss allowance to noncurrent loans | 35.8431% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 2.4567% | 1,729 |
| Noncurrent loans to loans | 3.3585% | 1,289 |
| Net loans and leases to total assets | 72.2675% | 1,524 |
| Net loans and leases to deposits | 82.2733% | 2,028 |
| Net loans and leases to core deposits | 84.2884% | 2,514 |
| Total domestic deposits to total assets | 87.8384% | 2,363 |
| Equity capital to assets | 10.9920% | 2,757 |
| Core capital (leverage) ratio | 11.3073% | 2,087 |
| Tier 1 risk-based capital ratio | 18.9026% | 2,017 |
| Total risk-based capital ratio | 20.1554% | 1,980 |
| Memoranda: | ||
| Average total assets | $89,709,670 | 5,065 |
| Average earning assets | $85,385,670 | 4,970 |
| Average equity | $10,136,000 | 4,905 |
| Average total loans | $64,817,330 | 4,505 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,473 |
| Cost of funding earning assets | 0.7097% | 2,126 |
| Net interest margin | 3.4500% | 3,911 |
| Noninterest income to average assets | 0.3042% | 5,265 |
| Noninterest expense to average assets | 2.7957% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5219% | 4,562 |
| Return on assets (ROA) | 0.6754% | 3,972 |
| Pretax return on assets | 1.0244% | 3,247 |
| Return on Equity (ROE) | 5.8973% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.8973% | 2,739 |
| Net charge-offs to loans | -0.0125% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9302% | 2,617 |
| Assets per employee ($millions) | 3.6060% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,131 |
| Loan loss allowance to noncurrent loans | 35.9945% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 2.4470% | 1,885 |
| Noncurrent loans to loans | 3.3634% | 1,439 |
| Net loans and leases to total assets | 71.4187% | 1,445 |
| Net loans and leases to deposits | 82.6580% | 1,749 |
| Net loans and leases to core deposits | 84.7626% | 2,236 |
| Total domestic deposits to total assets | 86.4027% | 3,299 |
| Equity capital to assets | 11.4054% | 2,514 |
| Core capital (leverage) ratio | 11.3378% | 1,987 |
| Tier 1 risk-based capital ratio | 19.1879% | 1,985 |
| Total risk-based capital ratio | 20.4419% | 1,958 |
| Memoranda: | ||
| Average total assets | $89,422,500 | 5,112 |
| Average earning assets | $85,101,000 | 5,008 |
| Average equity | $10,242,000 | 4,940 |
| Average total loans | $64,205,500 | 4,561 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 3,839 |
| Cost of funding earning assets | 0.8416% | 2,352 |
| Net interest margin | 3.5510% | 4,296 |
| Noninterest income to average assets | 0.4296% | 4,382 |
| Noninterest expense to average assets | 3.3427% | 2,209 |
| Loan and lease loss provision to assets | 0.0392% | 5,381 |
| Net operating income to assets | 0.2696% | 5,574 |
| Return on assets (ROA) | 0.2696% | 5,790 |
| Pretax return on assets | 0.4083% | 5,556 |
| Return on Equity (ROE) | 2.3686% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.3686% | 4,567 |
| Net charge-offs to loans | 0.1579% | 4,118 |
| Credit loss provision to net charge-offs | 33.9806% | 5,039 |
| Earnings coverage of net charge-offs (x) | 3.8835% | 3,562 |
| Efficiency ratio | 88.1936% | 1,227 |
| Assets per employee ($millions) | 3.6956% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 4,907 |
| Loan loss allowance to noncurrent loans | 33.9517% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 2.6304% | 1,849 |
| Noncurrent loans to loans | 3.6655% | 1,332 |
| Net loans and leases to total assets | 70.4110% | 1,761 |
| Net loans and leases to deposits | 80.5508% | 2,215 |
| Net loans and leases to core deposits | 82.6717% | 2,700 |
| Total domestic deposits to total assets | 87.4119% | 2,571 |
| Equity capital to assets | 11.5023% | 2,442 |
| Core capital (leverage) ratio | 11.3535% | 1,974 |
| Tier 1 risk-based capital ratio | 19.4857% | 1,817 |
| Total risk-based capital ratio | 20.7396% | 1,785 |
| Memoranda: | ||
| Average total assets | $89,389,400 | 5,105 |
| Average earning assets | $84,596,200 | 4,996 |
| Average equity | $10,174,600 | 4,944 |
| Average total loans | $65,231,600 | 4,537 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 3,759 |
| Cost of funding earning assets | 0.8791% | 2,319 |
| Net interest margin | 3.5889% | 4,282 |
| Noninterest income to average assets | 0.4808% | 4,053 |
| Noninterest expense to average assets | 3.3034% | 2,268 |
| Loan and lease loss provision to assets | 0.0521% | 5,102 |
| Net operating income to assets | 0.3409% | 5,468 |
| Return on assets (ROA) | 0.3409% | 5,671 |
| Pretax return on assets | 0.5166% | 5,413 |
| Return on Equity (ROE) | 3.0029% | 5,678 |
| Retained earnings to average equity (ytd only) | 3.0029% | 4,749 |
| Net charge-offs to loans | 0.1765% | 3,699 |
| Credit loss provision to net charge-offs | 40.2299% | 4,614 |
| Earnings coverage of net charge-offs (x) | 4.3907% | 3,313 |
| Efficiency ratio | 85.3133% | 1,447 |
| Assets per employee ($millions) | 3.6649% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 5,071 |
| Loan loss allowance to noncurrent loans | 30.2562% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 3.0458% | 1,710 |
| Noncurrent loans to loans | 4.1130% | 1,226 |
| Net loans and leases to total assets | 72.4482% | 1,478 |
| Net loans and leases to deposits | 83.0453% | 1,996 |
| Net loans and leases to core deposits | 85.5574% | 2,523 |
| Total domestic deposits to total assets | 87.2394% | 2,535 |
| Equity capital to assets | 11.6772% | 2,559 |
| Core capital (leverage) ratio | 11.4764% | 2,002 |
| Tier 1 risk-based capital ratio | 19.3041% | 1,921 |
| Total risk-based capital ratio | 20.5266% | 1,898 |
| Memoranda: | ||
| Average total assets | $89,563,000 | 5,153 |
| Average earning assets | $84,630,000 | 5,054 |
| Average equity | $10,167,750 | 4,987 |
| Average total loans | $65,730,000 | 4,560 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 3,513 |
| Cost of funding earning assets | 0.9342% | 2,151 |
| Net interest margin | 3.6290% | 4,146 |
| Noninterest income to average assets | 0.5439% | 3,625 |
| Noninterest expense to average assets | 3.2232% | 2,516 |
| Loan and lease loss provision to assets | 0.0777% | 4,640 |
| Net operating income to assets | 0.4462% | 5,051 |
| Return on assets (ROA) | 0.4462% | 5,284 |
| Pretax return on assets | 0.6748% | 4,898 |
| Return on Equity (ROE) | 3.9671% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.9671% | 3,971 |
| Net charge-offs to loans | 0.1300% | 3,887 |
| Credit loss provision to net charge-offs | 81.3953% | 3,279 |
| Earnings coverage of net charge-offs (x) | 7.8837% | 2,401 |
| Efficiency ratio | 81.0720% | 2,016 |
| Assets per employee ($millions) | 3.8936% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,873 |
| Loan loss allowance to noncurrent loans | 26.0295% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 3.6805% | 1,424 |
| Noncurrent loans to loans | 5.0037% | 985 |
| Net loans and leases to total assets | 71.6726% | 1,610 |
| Net loans and leases to deposits | 81.8237% | 2,137 |
| Net loans and leases to core deposits | 84.1495% | 2,671 |
| Total domestic deposits to total assets | 87.5939% | 2,402 |
| Equity capital to assets | 11.3921% | 2,697 |
| Core capital (leverage) ratio | 11.2001% | 2,122 |
| Tier 1 risk-based capital ratio | 19.6025% | 1,817 |
| Total risk-based capital ratio | 20.8494% | 1,787 |
| Memoranda: | ||
| Average total assets | $90,098,000 | 5,164 |
| Average earning assets | $85,203,330 | 5,072 |
| Average equity | $10,133,330 | 5,000 |
| Average total loans | $66,131,000 | 4,556 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 3,732 |
| Cost of funding earning assets | 0.9563% | 2,261 |
| Net interest margin | 3.5908% | 4,305 |
| Noninterest income to average assets | 0.8011% | 2,161 |
| Noninterest expense to average assets | 3.1869% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6639% | 4,054 |
| Return on assets (ROA) | 0.6639% | 4,270 |
| Pretax return on assets | 1.0048% | 3,658 |
| Return on Equity (ROE) | 5.9412% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.9412% | 2,990 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0296% | 2,783 |
| Assets per employee ($millions) | 3.7167% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 5,140 |
| Loan loss allowance to noncurrent loans | 30.1616% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 3.1659% | 1,826 |
| Noncurrent loans to loans | 4.2224% | 1,428 |
| Net loans and leases to total assets | 73.0003% | 1,227 |
| Net loans and leases to deposits | 83.3860% | 1,741 |
| Net loans and leases to core deposits | 85.7920% | 2,315 |
| Total domestic deposits to total assets | 87.5450% | 2,627 |
| Equity capital to assets | 11.4023% | 2,523 |
| Core capital (leverage) ratio | 11.1871% | 2,119 |
| Tier 1 risk-based capital ratio | 17.5838% | 2,445 |
| Total risk-based capital ratio | 18.8208% | 2,424 |
| Memoranda: | ||
| Average total assets | $90,370,500 | 5,193 |
| Average earning assets | $85,328,500 | 5,104 |
| Average equity | $10,099,000 | 5,016 |
| Average total loans | $66,680,500 | 4,559 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 4,054 |
| Cost of funding earning assets | 1.1204% | 2,532 |
| Net interest margin | 3.6247% | 4,635 |
| Noninterest income to average assets | 0.3974% | 4,635 |
| Noninterest expense to average assets | 3.2539% | 2,672 |
| Loan and lease loss provision to assets | 0.5857% | 1,766 |
| Net operating income to assets | -0.0099% | 6,058 |
| Return on assets (ROA) | -0.0099% | 6,174 |
| Pretax return on assets | -0.0099% | 6,142 |
| Return on Equity (ROE) | -0.0890% | 6,173 |
| Retained earnings to average equity (ytd only) | -0.0890% | 5,860 |
| Net charge-offs to loans | 1.7673% | 843 |
| Credit loss provision to net charge-offs | 42.3930% | 5,586 |
| Earnings coverage of net charge-offs (x) | 0.4168% | 5,506 |
| Efficiency ratio | 84.9628% | 1,668 |
| Assets per employee ($millions) | 3.8142% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,205 |
| Loan loss allowance to noncurrent loans | 26.4752% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 3.5373% | 1,671 |
| Noncurrent loans to loans | 4.7015% | 1,251 |
| Net loans and leases to total assets | 72.7168% | 1,510 |
| Net loans and leases to deposits | 82.5418% | 2,128 |
| Net loans and leases to core deposits | 84.8351% | 2,768 |
| Total domestic deposits to total assets | 88.0970% | 2,093 |
| Equity capital to assets | 10.9537% | 3,022 |
| Core capital (leverage) ratio | 10.7698% | 2,459 |
| Tier 1 risk-based capital ratio | 17.0522% | 2,577 |
| Total risk-based capital ratio | 18.3052% | 2,526 |
| Memoranda: | ||
| Average total assets | $91,336,200 | 5,151 |
| Average earning assets | $86,489,000 | 5,047 |
| Average equity | $10,107,000 | 4,985 |
| Average total loans | $71,408,200 | 4,433 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 3,919 |
| Cost of funding earning assets | 1.1549% | 2,604 |
| Net interest margin | 3.6694% | 4,478 |
| Noninterest income to average assets | 0.4440% | 4,336 |
| Noninterest expense to average assets | 3.0015% | 3,551 |
| Loan and lease loss provision to assets | 0.4893% | 2,030 |
| Net operating income to assets | 0.2819% | 5,463 |
| Return on assets (ROA) | 0.2819% | 5,625 |
| Pretax return on assets | 0.4338% | 5,361 |
| Return on Equity (ROE) | 2.5410% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.5410% | 4,843 |
| Net charge-offs to loans | 1.5688% | 903 |
| Credit loss provision to net charge-offs | 39.3192% | 5,265 |
| Earnings coverage of net charge-offs (x) | 0.7418% | 5,055 |
| Efficiency ratio | 76.4793% | 2,771 |
| Assets per employee ($millions) | 3.6104% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 4,040 |
| Loan loss allowance to noncurrent loans | 34.7466% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 3.3891% | 1,872 |
| Noncurrent loans to loans | 4.3516% | 1,498 |
| Net loans and leases to total assets | 75.7021% | 1,020 |
| Net loans and leases to deposits | 86.2009% | 1,663 |
| Net loans and leases to core deposits | 88.2403% | 2,457 |
| Total domestic deposits to total assets | 87.8206% | 2,154 |
| Equity capital to assets | 11.3318% | 2,829 |
| Core capital (leverage) ratio | 11.1466% | 2,284 |
| Tier 1 risk-based capital ratio | 17.1948% | 2,567 |
| Total risk-based capital ratio | 18.4518% | 2,529 |
| Memoranda: | ||
| Average total assets | $91,285,250 | 5,191 |
| Average earning assets | $86,588,000 | 5,077 |
| Average equity | $10,127,000 | 5,004 |
| Average total loans | $72,409,250 | 4,440 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 3,678 |
| Cost of funding earning assets | 1.1633% | 2,824 |
| Net interest margin | 3.7245% | 4,155 |
| Noninterest income to average assets | 0.5348% | 3,598 |
| Noninterest expense to average assets | 2.9533% | 3,821 |
| Loan and lease loss provision to assets | 0.6221% | 1,539 |
| Net operating income to assets | 0.3209% | 5,288 |
| Return on assets (ROA) | 0.3209% | 5,420 |
| Pretax return on assets | 0.4955% | 5,091 |
| Return on Equity (ROE) | 2.9128% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.9128% | 4,431 |
| Net charge-offs to loans | 2.3345% | 539 |
| Credit loss provision to net charge-offs | 33.2555% | 4,944 |
| Earnings coverage of net charge-offs (x) | 0.5974% | 4,850 |
| Efficiency ratio | 72.5469% | 3,626 |
| Assets per employee ($millions) | 3.7943% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,655 |
| Loan loss allowance to noncurrent loans | 32.6295% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 3.3669% | 1,959 |
| Noncurrent loans to loans | 4.2370% | 1,601 |
| Net loans and leases to total assets | 77.4714% | 852 |
| Net loans and leases to deposits | 88.0363% | 1,494 |
| Net loans and leases to core deposits | 89.7967% | 2,399 |
| Total domestic deposits to total assets | 87.9994% | 2,140 |
| Equity capital to assets | 11.1660% | 2,799 |
| Core capital (leverage) ratio | 10.9936% | 2,256 |
| Tier 1 risk-based capital ratio | 16.6417% | 2,677 |
| Total risk-based capital ratio | 17.8906% | 2,635 |
| Memoranda: | ||
| Average total assets | $91,627,330 | 5,216 |
| Average earning assets | $86,991,670 | 5,096 |
| Average equity | $10,093,330 | 5,029 |
| Average total loans | $73,420,000 | 4,446 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 3,468 |
| Cost of funding earning assets | 1.1630% | 3,070 |
| Net interest margin | 3.7593% | 3,804 |
| Noninterest income to average assets | 0.8138% | 1,976 |
| Noninterest expense to average assets | 2.9551% | 3,836 |
| Loan and lease loss provision to assets | 0.7616% | 1,121 |
| Net operating income to assets | 0.4309% | 4,800 |
| Return on assets (ROA) | 0.4309% | 4,886 |
| Pretax return on assets | 0.6702% | 4,418 |
| Return on Equity (ROE) | 3.9379% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.9379% | 3,811 |
| Net charge-offs to loans | 0.7047% | 1,807 |
| Credit loss provision to net charge-offs | 133.5878% | 2,074 |
| Earnings coverage of net charge-offs (x) | 2.5115% | 3,077 |
| Efficiency ratio | 67.3611% | 4,776 |
| Assets per employee ($millions) | 3.7975% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1682% | 2,031 |
| Loan loss allowance to noncurrent loans | 41.8732% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 4.2440% | 1,543 |
| Noncurrent loans to loans | 5.1780% | 1,293 |
| Net loans and leases to total assets | 79.4593% | 568 |
| Net loans and leases to deposits | 90.3060% | 1,194 |
| Net loans and leases to core deposits | 92.4255% | 2,079 |
| Total domestic deposits to total assets | 87.9889% | 2,377 |
| Equity capital to assets | 11.0795% | 2,614 |
| Core capital (leverage) ratio | 10.9253% | 2,242 |
| Tier 1 risk-based capital ratio | 16.2332% | 2,793 |
| Total risk-based capital ratio | 17.5001% | 2,747 |
| Memoranda: | ||
| Average total assets | $91,910,000 | 5,242 |
| Average earning assets | $87,357,500 | 5,115 |
| Average equity | $10,056,000 | 5,035 |
| Average total loans | $74,362,000 | 4,447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 4,078 |
| Cost of funding earning assets | 1.5057% | 2,602 |
| Net interest margin | 3.5995% | 4,828 |
| Noninterest income to average assets | 2.7683% | 252 |
| Noninterest expense to average assets | 3.0991% | 3,458 |
| Loan and lease loss provision to assets | 0.8349% | 1,970 |
| Net operating income to assets | 1.4815% | 799 |
| Return on assets (ROA) | 1.4815% | 858 |
| Pretax return on assets | 2.2515% | 283 |
| Return on Equity (ROE) | 14.4260% | 808 |
| Retained earnings to average equity (ytd only) | 14.4260% | 145 |
| Net charge-offs to loans | 0.0013% | 6,845 |
| Credit loss provision to net charge-offs | 78,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 2,902.0000% | 3 |
| Efficiency ratio | 50.1032% | 7,119 |
| Assets per employee ($millions) | 3.8616% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 2,057 |
| Loan loss allowance to noncurrent loans | 37.1928% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 4.6537% | 1,423 |
| Noncurrent loans to loans | 5.6654% | 1,144 |
| Net loans and leases to total assets | 78.9014% | 815 |
| Net loans and leases to deposits | 89.3785% | 1,604 |
| Net loans and leases to core deposits | 91.4222% | 2,564 |
| Total domestic deposits to total assets | 88.2778% | 2,080 |
| Equity capital to assets | 10.8050% | 2,854 |
| Core capital (leverage) ratio | 10.6399% | 2,426 |
| Tier 1 risk-based capital ratio | 15.8878% | 2,799 |
| Total risk-based capital ratio | 17.1531% | 2,753 |
| Memoranda: | ||
| Average total assets | $94,027,200 | 5,160 |
| Average earning assets | $89,262,400 | 5,042 |
| Average equity | $9,656,200 | 5,223 |
| Average total loans | $75,430,000 | 4,469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 3,952 |
| Cost of funding earning assets | 1.5888% | 2,449 |
| Net interest margin | 3.5885% | 4,929 |
| Noninterest income to average assets | 3.5846% | 186 |
| Noninterest expense to average assets | 3.1367% | 3,159 |
| Loan and lease loss provision to assets | 0.9891% | 1,503 |
| Net operating income to assets | 1.8863% | 418 |
| Return on assets (ROA) | 1.8863% | 465 |
| Pretax return on assets | 2.8640% | 143 |
| Return on Equity (ROE) | 18.6057% | 423 |
| Retained earnings to average equity (ytd only) | 18.6057% | 100 |
| Net charge-offs to loans | 0.0018% | 6,656 |
| Credit loss provision to net charge-offs | 70,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 2,733.7669% | 7 |
| Efficiency ratio | 44.8757% | 7,430 |
| Assets per employee ($millions) | 3.8681% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 2,104 |
| Loan loss allowance to noncurrent loans | 35.8191% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 4.5651% | 1,485 |
| Noncurrent loans to loans | 5.7190% | 1,140 |
| Net loans and leases to total assets | 76.6941% | 1,280 |
| Net loans and leases to deposits | 86.8333% | 2,179 |
| Net loans and leases to core deposits | 88.6221% | 3,298 |
| Total domestic deposits to total assets | 88.3234% | 1,779 |
| Equity capital to assets | 10.7438% | 3,236 |
| Core capital (leverage) ratio | 10.5615% | 2,624 |
| Tier 1 risk-based capital ratio | 16.1337% | 2,705 |
| Total risk-based capital ratio | 17.3983% | 2,646 |
| Memoranda: | ||
| Average total assets | $94,364,250 | 5,213 |
| Average earning assets | $89,541,750 | 5,089 |
| Average equity | $9,566,750 | 5,326 |
| Average total loans | $75,612,750 | 4,536 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 3,757 |
| Cost of funding earning assets | 1.6581% | 2,337 |
| Net interest margin | 3.5825% | 4,889 |
| Noninterest income to average assets | 5.2174% | 133 |
| Noninterest expense to average assets | 3.2886% | 2,595 |
| Loan and lease loss provision to assets | 1.3492% | 1,002 |
| Net operating income to assets | 2.6266% | 117 |
| Return on assets (ROA) | 2.6266% | 122 |
| Pretax return on assets | 3.9821% | 71 |
| Return on Equity (ROE) | 26.4235% | 96 |
| Retained earnings to average equity (ytd only) | 26.4235% | 38 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1511% | 7,675 |
| Assets per employee ($millions) | 3.9373% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 2,246 |
| Loan loss allowance to noncurrent loans | 33.8706% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 4.6373% | 1,409 |
| Noncurrent loans to loans | 5.8272% | 1,110 |
| Net loans and leases to total assets | 76.2122% | 1,447 |
| Net loans and leases to deposits | 86.5671% | 2,421 |
| Net loans and leases to core deposits | 88.0467% | 3,537 |
| Total domestic deposits to total assets | 88.0384% | 1,981 |
| Equity capital to assets | 10.4843% | 3,431 |
| Core capital (leverage) ratio | 10.2838% | 2,850 |
| Tier 1 risk-based capital ratio | 15.6612% | 2,821 |
| Total risk-based capital ratio | 16.9211% | 2,780 |
| Memoranda: | ||
| Average total assets | $94,874,000 | 5,221 |
| Average earning assets | $90,104,000 | 5,091 |
| Average equity | $9,431,000 | 5,364 |
| Average total loans | $76,587,670 | 4,556 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3404% | 3,343 |
| Cost of funding earning assets | 1.7167% | 2,307 |
| Net interest margin | 3.6237% | 4,609 |
| Noninterest income to average assets | 10.1279% | 69 |
| Noninterest expense to average assets | 3.8669% | 1,219 |
| Loan and lease loss provision to assets | 2.5246% | 421 |
| Net operating income to assets | 4.7421% | 43 |
| Return on assets (ROA) | 4.7421% | 46 |
| Pretax return on assets | 7.1825% | 37 |
| Return on Equity (ROE) | 49.0373% | 26 |
| Retained earnings to average equity (ytd only) | 49.0373% | 19 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.4873% | 7,857 |
| Assets per employee ($millions) | 3.8058% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 2,450 |
| Loan loss allowance to noncurrent loans | 34.8814% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 4.5446% | 1,484 |
| Noncurrent loans to loans | 5.4424% | 1,297 |
| Net loans and leases to total assets | 79.8850% | 856 |
| Net loans and leases to deposits | 91.6038% | 1,670 |
| Net loans and leases to core deposits | 93.3822% | 2,921 |
| Total domestic deposits to total assets | 87.2071% | 2,523 |
| Equity capital to assets | 10.6810% | 3,058 |
| Core capital (leverage) ratio | 10.5029% | 2,619 |
| Tier 1 risk-based capital ratio | 15.4001% | 2,920 |
| Total risk-based capital ratio | 16.6498% | 2,873 |
| Memoranda: | ||
| Average total assets | $95,064,000 | 5,284 |
| Average earning assets | $90,405,000 | 5,155 |
| Average equity | $9,193,000 | 5,481 |
| Average total loans | $78,148,500 | 4,576 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7432% | 2,892 |
| Cost of funding earning assets | 2.2817% | 1,723 |
| Net interest margin | 3.4615% | 5,123 |
| Noninterest income to average assets | 0.8982% | 1,948 |
| Noninterest expense to average assets | 2.7161% | 5,314 |
| Loan and lease loss provision to assets | 0.4368% | 4,208 |
| Net operating income to assets | 0.6834% | 3,002 |
| Return on assets (ROA) | 0.6834% | 3,062 |
| Pretax return on assets | 1.0359% | 2,476 |
| Return on Equity (ROE) | 8.1084% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.1084% | 669 |
| Net charge-offs to loans | 0.1392% | 5,827 |
| Credit loss provision to net charge-offs | 386.3636% | 821 |
| Earnings coverage of net charge-offs (x) | 13.0273% | 1,458 |
| Efficiency ratio | 64.8112% | 5,616 |
| Assets per employee ($millions) | 4.1162% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,442 |
| Loan loss allowance to noncurrent loans | 42.7368% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.0276% | 3,366 |
| Noncurrent loans to loans | 2.3194% | 3,267 |
| Net loans and leases to total assets | 82.1011% | 670 |
| Net loans and leases to deposits | 95.0465% | 1,452 |
| Net loans and leases to core deposits | 104.2574% | 3,542 |
| Total domestic deposits to total assets | 86.3799% | 2,824 |
| Equity capital to assets | 8.7359% | 5,540 |
| Core capital (leverage) ratio | 8.5673% | 5,159 |
| Tier 1 risk-based capital ratio | 12.1931% | 4,780 |
| Total risk-based capital ratio | 13.3664% | 4,804 |
| Memoranda: | ||
| Average total assets | $97,307,200 | 5,155 |
| Average earning assets | $92,561,000 | 5,041 |
| Average equity | $8,201,400 | 5,866 |
| Average total loans | $79,023,800 | 4,551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 3,123 |
| Cost of funding earning assets | 2.4045% | 1,621 |
| Net interest margin | 3.3385% | 5,497 |
| Noninterest income to average assets | 0.6121% | 3,602 |
| Noninterest expense to average assets | 2.7962% | 4,916 |
| Loan and lease loss provision to assets | 0.2407% | 5,042 |
| Net operating income to assets | 0.4938% | 4,009 |
| Return on assets (ROA) | 0.4938% | 4,107 |
| Pretax return on assets | 0.7482% | 3,705 |
| Return on Equity (ROE) | 5.9135% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.9135% | 1,997 |
| Net charge-offs to loans | 0.1124% | 5,557 |
| Credit loss provision to net charge-offs | 265.1515% | 1,599 |
| Earnings coverage of net charge-offs (x) | 10.8936% | 1,905 |
| Efficiency ratio | 73.8199% | 3,889 |
| Assets per employee ($millions) | 3.9413% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 7,282 |
| Loan loss allowance to noncurrent loans | 38.6480% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 3,712 |
| Noncurrent loans to loans | 1.9195% | 3,745 |
| Net loans and leases to total assets | 85.7173% | 369 |
| Net loans and leases to deposits | 101.7213% | 947 |
| Net loans and leases to core deposits | 113.2355% | 2,909 |
| Total domestic deposits to total assets | 84.2668% | 3,594 |
| Equity capital to assets | 8.8096% | 5,774 |
| Core capital (leverage) ratio | 8.6255% | 5,265 |
| Tier 1 risk-based capital ratio | 11.8173% | 5,144 |
| Total risk-based capital ratio | 12.6978% | 5,427 |
| Memoranda: | ||
| Average total assets | $96,937,000 | 5,217 |
| Average earning assets | $92,213,500 | 5,094 |
| Average equity | $8,094,250 | 5,949 |
| Average total loans | $78,300,250 | 4,614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6820% | 3,647 |
| Cost of funding earning assets | 2.4782% | 1,691 |
| Net interest margin | 3.2038% | 5,901 |
| Noninterest income to average assets | 0.4359% | 4,977 |
| Noninterest expense to average assets | 2.8101% | 4,921 |
| Loan and lease loss provision to assets | 0.1740% | 5,313 |
| Net operating income to assets | 0.3254% | 4,780 |
| Return on assets (ROA) | 0.3254% | 4,903 |
| Pretax return on assets | 0.4932% | 4,644 |
| Return on Equity (ROE) | 3.9677% | 4,507 |
| Retained earnings to average equity (ytd only) | 3.9677% | 3,074 |
| Net charge-offs to loans | 0.1736% | 4,497 |
| Credit loss provision to net charge-offs | 126.8657% | 3,664 |
| Earnings coverage of net charge-offs (x) | 4.8657% | 2,978 |
| Efficiency ratio | 80.7172% | 2,931 |
| Assets per employee ($millions) | 3.9320% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 7,512 |
| Loan loss allowance to noncurrent loans | 32.9923% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6968% | 3,633 |
| Noncurrent loans to loans | 2.0089% | 3,507 |
| Net loans and leases to total assets | 78.6745% | 1,600 |
| Net loans and leases to deposits | 94.7467% | 1,983 |
| Net loans and leases to core deposits | 104.8154% | 3,977 |
| Total domestic deposits to total assets | 83.0366% | 4,220 |
| Equity capital to assets | 8.2370% | 6,432 |
| Core capital (leverage) ratio | 8.0875% | 6,185 |
| Tier 1 risk-based capital ratio | 11.8496% | 5,045 |
| Total risk-based capital ratio | 12.6207% | 5,433 |
| Memoranda: | ||
| Average total assets | $97,719,330 | 5,223 |
| Average earning assets | $92,890,330 | 5,098 |
| Average equity | $8,014,670 | 6,020 |
| Average total loans | $77,171,670 | 4,689 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 3,335 |
| Cost of funding earning assets | 2.5972% | 1,576 |
| Net interest margin | 3.1969% | 5,866 |
| Noninterest income to average assets | 0.5173% | 4,162 |
| Noninterest expense to average assets | 2.8328% | 4,412 |
| Loan and lease loss provision to assets | 0.2258% | 4,193 |
| Net operating income to assets | 0.3243% | 5,191 |
| Return on assets (ROA) | 0.3243% | 5,370 |
| Pretax return on assets | 0.4927% | 5,101 |
| Return on Equity (ROE) | 3.9631% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.9631% | 3,694 |
| Net charge-offs to loans | 0.3280% | 2,781 |
| Credit loss provision to net charge-offs | 87.3016% | 4,060 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 3,385 |
| Efficiency ratio | 79.5848% | 2,889 |
| Assets per employee ($millions) | 3.8995% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 7,594 |
| Loan loss allowance to noncurrent loans | 45.7437% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 4,267 |
| Noncurrent loans to loans | 1.3890% | 4,229 |
| Net loans and leases to total assets | 78.4456% | 1,706 |
| Net loans and leases to deposits | 94.7869% | 2,138 |
| Net loans and leases to core deposits | 104.7330% | 4,056 |
| Total domestic deposits to total assets | 82.7599% | 4,264 |
| Equity capital to assets | 8.2400% | 6,480 |
| Core capital (leverage) ratio | 8.0730% | 6,341 |
| Tier 1 risk-based capital ratio | 11.8839% | 5,054 |
| Total risk-based capital ratio | 12.6244% | 5,432 |
| Memoranda: | ||
| Average total assets | $97,429,000 | 5,258 |
| Average earning assets | $92,714,500 | 5,127 |
| Average equity | $7,973,500 | 6,073 |
| Average total loans | $76,831,000 | 4,737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0440% | 5,334 |
| Cost of funding earning assets | 2.9379% | 2,109 |
| Net interest margin | 3.1061% | 6,637 |
| Noninterest income to average assets | 0.5316% | 4,385 |
| Noninterest expense to average assets | 2.6665% | 5,393 |
| Loan and lease loss provision to assets | 0.2551% | 4,367 |
| Net operating income to assets | 0.3684% | 5,280 |
| Return on assets (ROA) | 0.2679% | 5,473 |
| Pretax return on assets | 0.4062% | 5,247 |
| Return on Equity (ROE) | 3.2343% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.2343% | 3,137 |
| Net charge-offs to loans | -0.0414% | 8,011 |
| Credit loss provision to net charge-offs | -793.3333% | 7,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6246% | 3,135 |
| Assets per employee ($millions) | 4.0571% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 7,550 |
| Loan loss allowance to noncurrent loans | 29.0813% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 1.8609% | 2,653 |
| Noncurrent loans to loans | 2.2282% | 2,469 |
| Net loans and leases to total assets | 78.2592% | 2,063 |
| Net loans and leases to deposits | 99.8912% | 1,843 |
| Net loans and leases to core deposits | 110.9589% | 3,692 |
| Total domestic deposits to total assets | 78.3445% | 5,597 |
| Equity capital to assets | 8.1278% | 6,659 |
| Core capital (leverage) ratio | 8.0012% | 6,488 |
| Tier 1 risk-based capital ratio | 11.6049% | 5,152 |
| Total risk-based capital ratio | 12.3468% | 5,528 |
| Memoranda: | ||
| Average total assets | $93,306,200 | 5,247 |
| Average earning assets | $88,567,800 | 5,128 |
| Average equity | $7,729,600 | 6,196 |
| Average total loans | $72,401,800 | 4,788 |