Home > Monroe Savings Bank > Performance and Condition Ratios
Monroe Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 1,794 |
| Cost of funding earning assets | 1.5126% | 1,916 |
| Net interest margin | 3.6169% | 1,939 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.5382% | 2,197 |
| Loan and lease loss provision to assets | 0.5100% | 177 |
| Net operating income to assets | 0.3910% | 3,890 |
| Return on assets (ROA) | 0.3910% | 3,881 |
| Pretax return on assets | 0.5461% | 3,734 |
| Return on Equity (ROE) | 2.8800% | 4,042 |
| Retained earnings to average equity (ytd only) | 2.8802% | 3,322 |
| Net charge-offs to loans | 0.5464% | 184 |
| Credit loss provision to net charge-offs | 107.6923% | 1,769 |
| Earnings coverage of net charge-offs (x) | 2.2389% | 2,707 |
| Efficiency ratio | 70.6942% | 1,793 |
| Assets per employee ($millions) | 6.3239% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,120 |
| Loan loss allowance to noncurrent loans | 340.0685% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 1,870 |
| Noncurrent loans to loans | 0.3052% | 2,089 |
| Net loans and leases to total assets | 88.0600% | 85 |
| Net loans and leases to deposits | 120.0051% | 86 |
| Net loans and leases to core deposits | 131.6974% | 381 |
| Total domestic deposits to total assets | 73.3800% | 4,142 |
| Equity capital to assets | 13.4560% | 775 |
| Core capital (leverage) ratio | 13.4306% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6602% | 502 |
| Memoranda: | ||
| Average total assets | $105,115,400 | 3,780 |
| Average earning assets | $102,271,200 | 3,723 |
| Average equity | $14,269,600 | 3,319 |
| Average total loans | $90,407,800 | 3,287 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 1,848 |
| Cost of funding earning assets | 1.3901% | 1,899 |
| Net interest margin | 3.5985% | 2,014 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.5309% | 2,129 |
| Loan and lease loss provision to assets | 0.5100% | 155 |
| Net operating income to assets | 0.3827% | 3,993 |
| Return on assets (ROA) | 0.3827% | 3,990 |
| Pretax return on assets | 0.5345% | 3,853 |
| Return on Equity (ROE) | 2.8100% | 4,121 |
| Retained earnings to average equity (ytd only) | 2.8128% | 3,552 |
| Net charge-offs to loans | 0.5387% | 161 |
| Credit loss provision to net charge-offs | 110.2778% | 1,546 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 2,491 |
| Efficiency ratio | 70.8571% | 1,695 |
| Assets per employee ($millions) | 6.3934% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,143 |
| Loan loss allowance to noncurrent loans | 567.4286% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 2,507 |
| Noncurrent loans to loans | 0.1835% | 2,624 |
| Net loans and leases to total assets | 86.8100% | 128 |
| Net loans and leases to deposits | 117.6113% | 98 |
| Net loans and leases to core deposits | 127.4892% | 380 |
| Total domestic deposits to total assets | 73.8100% | 4,172 |
| Equity capital to assets | 13.1753% | 778 |
| Core capital (leverage) ratio | 13.4533% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5807% | 510 |
| Memoranda: | ||
| Average total assets | $104,517,750 | 3,801 |
| Average earning assets | $101,670,250 | 3,741 |
| Average equity | $14,220,500 | 3,320 |
| Average total loans | $89,093,500 | 3,302 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8420% | 1,897 |
| Cost of funding earning assets | 1.2589% | 1,828 |
| Net interest margin | 3.5831% | 2,078 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.5502% | 2,069 |
| Loan and lease loss provision to assets | 0.4700% | 161 |
| Net operating income to assets | 0.3917% | 4,016 |
| Return on assets (ROA) | 0.3917% | 4,031 |
| Pretax return on assets | 0.5450% | 3,891 |
| Return on Equity (ROE) | 2.8500% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.8476% | 3,522 |
| Net charge-offs to loans | 0.4459% | 196 |
| Credit loss provision to net charge-offs | 124.7423% | 1,309 |
| Earnings coverage of net charge-offs (x) | 2.6959% | 2,304 |
| Efficiency ratio | 71.5452% | 1,612 |
| Assets per employee ($millions) | 6.6928% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,828 |
| Loan loss allowance to noncurrent loans | 669.3333% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,571 |
| Noncurrent loans to loans | 0.1678% | 2,640 |
| Net loans and leases to total assets | 82.5300% | 375 |
| Net loans and leases to deposits | 110.3580% | 198 |
| Net loans and leases to core deposits | 118.5280% | 555 |
| Total domestic deposits to total assets | 74.7900% | 4,139 |
| Equity capital to assets | 13.3353% | 740 |
| Core capital (leverage) ratio | 13.9103% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2611% | 472 |
| Memoranda: | ||
| Average total assets | $103,127,667 | 3,830 |
| Average earning assets | $100,248,333 | 3,771 |
| Average equity | $14,187,333 | 3,338 |
| Average total loans | $87,008,333 | 3,334 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 1,727 |
| Cost of funding earning assets | 1.1152% | 1,715 |
| Net interest margin | 3.6388% | 2,036 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.5981% | 1,954 |
| Loan and lease loss provision to assets | 0.4900% | 157 |
| Net operating income to assets | 0.4192% | 4,057 |
| Return on assets (ROA) | 0.4192% | 4,001 |
| Pretax return on assets | 0.5813% | 3,872 |
| Return on Equity (ROE) | 3.0000% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.9984% | 3,506 |
| Net charge-offs to loans | 0.5127% | 157 |
| Credit loss provision to net charge-offs | 111.8182% | 1,058 |
| Earnings coverage of net charge-offs (x) | 2.4545% | 1,929 |
| Efficiency ratio | 70.8738% | 1,657 |
| Assets per employee ($millions) | 5.9242% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,923 |
| Loan loss allowance to noncurrent loans | 939.8058% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 2,810 |
| Noncurrent loans to loans | 0.1199% | 2,914 |
| Net loans and leases to total assets | 84.3600% | 210 |
| Net loans and leases to deposits | 106.3556% | 244 |
| Net loans and leases to core deposits | 112.1364% | 638 |
| Total domestic deposits to total assets | 79.3200% | 3,863 |
| Equity capital to assets | 14.0988% | 582 |
| Core capital (leverage) ratio | 14.2299% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0524% | 436 |
| Memoranda: | ||
| Average total assets | $101,149,500 | 3,902 |
| Average earning assets | $98,275,000 | 3,840 |
| Average equity | $14,141,000 | 3,378 |
| Average total loans | $85,821,500 | 3,390 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 2,299 |
| Cost of funding earning assets | 0.7846% | 412 |
| Net interest margin | 3.0095% | 3,428 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.2731% | 2,824 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 0.3756% | 4,272 |
| Return on assets (ROA) | 0.3756% | 4,238 |
| Pretax return on assets | 0.5279% | 4,136 |
| Return on Equity (ROE) | 2.8900% | 4,304 |
| Retained earnings to average equity (ytd only) | 2.8859% | 3,754 |
| Net charge-offs to loans | 0.0402% | 1,299 |
| Credit loss provision to net charge-offs | 758.0645% | 511 |
| Earnings coverage of net charge-offs (x) | 25.8065% | 1,764 |
| Efficiency ratio | 75.2552% | 1,096 |
| Assets per employee ($millions) | 5.9758% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 2,863 |
| Loan loss allowance to noncurrent loans | 659.0278% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 2,549 |
| Noncurrent loans to loans | 0.1680% | 2,642 |
| Net loans and leases to total assets | 83.4400% | 300 |
| Net loans and leases to deposits | 110.2187% | 151 |
| Net loans and leases to core deposits | 112.8617% | 522 |
| Total domestic deposits to total assets | 75.7100% | 4,275 |
| Equity capital to assets | 13.8629% | 589 |
| Core capital (leverage) ratio | 13.7407% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9361% | 423 |
| Memoranda: | ||
| Average total assets | $107,033,600 | 3,862 |
| Average earning assets | $104,004,000 | 3,796 |
| Average equity | $13,929,600 | 3,475 |
| Average total loans | $77,109,400 | 3,449 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 2,526 |
| Cost of funding earning assets | 0.7502% | 200 |
| Net interest margin | 2.7756% | 3,787 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.2288% | 2,847 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.2608% | 4,423 |
| Return on assets (ROA) | 0.2608% | 4,387 |
| Pretax return on assets | 0.3653% | 4,311 |
| Return on Equity (ROE) | 2.0300% | 4,406 |
| Retained earnings to average equity (ytd only) | 2.0348% | 4,024 |
| Net charge-offs to loans | 0.0320% | 1,198 |
| Credit loss provision to net charge-offs | 683.3333% | 520 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,654 |
| Efficiency ratio | 81.1828% | 705 |
| Assets per employee ($millions) | 6.2628% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,285 |
| Loan loss allowance to noncurrent loans | 904.2553% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 3,048 |
| Noncurrent loans to loans | 0.1154% | 3,065 |
| Net loans and leases to total assets | 75.7100% | 937 |
| Net loans and leases to deposits | 101.7584% | 311 |
| Net loans and leases to core deposits | 103.7184% | 662 |
| Total domestic deposits to total assets | 74.4100% | 4,444 |
| Equity capital to assets | 13.0509% | 669 |
| Core capital (leverage) ratio | 12.9645% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6550% | 399 |
| Memoranda: | ||
| Average total assets | $108,395,000 | 3,872 |
| Average earning assets | $105,393,750 | 3,802 |
| Average equity | $13,891,250 | 3,526 |
| Average total loans | $74,957,750 | 3,497 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2597% | 2,873 |
| Cost of funding earning assets | 0.7466% | 125 |
| Net interest margin | 2.5131% | 4,071 |
| Noninterest income to average assets | 0.0459% | 4,639 |
| Noninterest expense to average assets | 2.1827% | 2,908 |
| Loan and lease loss provision to assets | 0.0495% | 1,693 |
| Net operating income to assets | 0.1834% | 4,442 |
| Return on assets (ROA) | 0.1834% | 4,404 |
| Pretax return on assets | 0.2586% | 4,342 |
| Return on Equity (ROE) | 1.4399% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.4399% | 3,890 |
| Net charge-offs to loans | 0.0495% | 898 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,790 |
| Efficiency ratio | 87.6289% | 505 |
| Assets per employee ($millions) | 6.0933% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,625 |
| Loan loss allowance to noncurrent loans | 1,346.4286% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,477 |
| Noncurrent loans to loans | 0.0738% | 3,433 |
| Net loans and leases to total assets | 68.4819% | 1,438 |
| Net loans and leases to deposits | 91.2316% | 648 |
| Net loans and leases to core deposits | 92.9201% | 979 |
| Total domestic deposits to total assets | 75.0638% | 4,503 |
| Equity capital to assets | 12.6860% | 724 |
| Core capital (leverage) ratio | 12.7404% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5302% | 342 |
| Memoranda: | ||
| Average total assets | $109,037,333 | 3,904 |
| Average earning assets | $106,082,333 | 3,846 |
| Average equity | $13,890,000 | 3,594 |
| Average total loans | $72,790,000 | 3,574 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0916% | 3,001 |
| Cost of funding earning assets | 0.7446% | 120 |
| Net interest margin | 2.3471% | 4,158 |
| Noninterest income to average assets | 0.0405% | 4,683 |
| Noninterest expense to average assets | 2.1671% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1141% | 4,449 |
| Return on assets (ROA) | 0.1141% | 4,417 |
| Pretax return on assets | 0.1582% | 4,380 |
| Return on Equity (ROE) | 0.8935% | 4,442 |
| Retained earnings to average equity (ytd only) | 0.8935% | 3,847 |
| Net charge-offs to loans | 0.1011% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.3889% | 1,706 |
| Efficiency ratio | 93.1962% | 416 |
| Assets per employee ($millions) | 5.7961% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.9093% | 1,510 |
| Net loans and leases to deposits | 86.2570% | 717 |
| Net loans and leases to core deposits | 88.1221% | 1,014 |
| Total domestic deposits to total assets | 75.2511% | 4,530 |
| Equity capital to assets | 12.5838% | 786 |
| Core capital (leverage) ratio | 12.7433% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9769% | 329 |
| Memoranda: | ||
| Average total assets | $108,716,000 | 3,929 |
| Average earning assets | $105,834,000 | 3,860 |
| Average equity | $13,878,000 | 3,670 |
| Average total loans | $71,243,000 | 3,597 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3065% | 3,194 |
| Cost of funding earning assets | 0.8353% | 165 |
| Net interest margin | 2.4711% | 4,230 |
| Noninterest income to average assets | 0.0465% | 4,732 |
| Noninterest expense to average assets | 1.9996% | 3,678 |
| Loan and lease loss provision to assets | 0.0029% | 3,018 |
| Net operating income to assets | 0.3292% | 4,387 |
| Return on assets (ROA) | 0.3292% | 4,407 |
| Pretax return on assets | 0.4474% | 4,334 |
| Return on Equity (ROE) | 2.4731% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.4731% | 3,837 |
| Net charge-offs to loans | -0.0014% | 3,316 |
| Credit loss provision to net charge-offs | -300.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6206% | 709 |
| Assets per employee ($millions) | 5.9614% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,525 |
| Loan loss allowance to noncurrent loans | 457.0552% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,878 |
| Noncurrent loans to loans | 0.2319% | 2,799 |
| Net loans and leases to total assets | 64.7979% | 1,611 |
| Net loans and leases to deposits | 86.6507% | 737 |
| Net loans and leases to core deposits | 88.3058% | 1,058 |
| Total domestic deposits to total assets | 74.7805% | 4,563 |
| Equity capital to assets | 12.9517% | 912 |
| Core capital (leverage) ratio | 12.9390% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1877% | 301 |
| Memoranda: | ||
| Average total assets | $103,271,200 | 3,962 |
| Average earning assets | $100,439,200 | 3,904 |
| Average equity | $13,748,200 | 3,766 |
| Average total loans | $71,498,400 | 3,617 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3653% | 3,203 |
| Cost of funding earning assets | 0.8477% | 196 |
| Net interest margin | 2.5176% | 4,241 |
| Noninterest income to average assets | 0.0456% | 4,810 |
| Noninterest expense to average assets | 2.0326% | 3,579 |
| Loan and lease loss provision to assets | 0.0362% | 2,271 |
| Net operating income to assets | 0.3155% | 4,497 |
| Return on assets (ROA) | 0.3155% | 4,520 |
| Pretax return on assets | 0.4237% | 4,463 |
| Return on Equity (ROE) | 2.3533% | 4,543 |
| Retained earnings to average equity (ytd only) | 2.3533% | 4,093 |
| Net charge-offs to loans | -0.0019% | 3,203 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5377% | 664 |
| Assets per employee ($millions) | 5.6139% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,530 |
| Loan loss allowance to noncurrent loans | 516.7785% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 3,181 |
| Noncurrent loans to loans | 0.2092% | 3,116 |
| Net loans and leases to total assets | 66.0423% | 1,540 |
| Net loans and leases to deposits | 88.7115% | 675 |
| Net loans and leases to core deposits | 90.4241% | 1,010 |
| Total domestic deposits to total assets | 74.4462% | 4,621 |
| Equity capital to assets | 12.9443% | 996 |
| Core capital (leverage) ratio | 12.9868% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0138% | 341 |
| Memoranda: | ||
| Average total assets | $102,262,500 | 4,025 |
| Average earning assets | $99,404,250 | 3,963 |
| Average equity | $13,710,750 | 3,816 |
| Average total loans | $71,803,750 | 3,667 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 3,021 |
| Cost of funding earning assets | 0.8635% | 217 |
| Net interest margin | 2.5905% | 4,183 |
| Noninterest income to average assets | 0.0456% | 4,845 |
| Noninterest expense to average assets | 1.9961% | 3,711 |
| Loan and lease loss provision to assets | 0.0556% | 1,917 |
| Net operating income to assets | 0.3830% | 4,421 |
| Return on assets (ROA) | 0.3830% | 4,457 |
| Pretax return on assets | 0.5119% | 4,372 |
| Return on Equity (ROE) | 2.8219% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.8219% | 3,898 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8638% | 921 |
| Assets per employee ($millions) | 6.4809% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,593 |
| Loan loss allowance to noncurrent loans | 657.2650% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 3,477 |
| Noncurrent loans to loans | 0.1609% | 3,413 |
| Net loans and leases to total assets | 69.3772% | 1,276 |
| Net loans and leases to deposits | 93.9201% | 463 |
| Net loans and leases to core deposits | 94.7963% | 866 |
| Total domestic deposits to total assets | 73.8683% | 4,657 |
| Equity capital to assets | 13.2708% | 874 |
| Core capital (leverage) ratio | 13.4644% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0213% | 339 |
| Memoranda: | ||
| Average total assets | $100,795,000 | 4,059 |
| Average earning assets | $97,974,667 | 3,991 |
| Average equity | $13,678,667 | 3,825 |
| Average total loans | $72,000,333 | 3,690 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 2,786 |
| Cost of funding earning assets | 0.8825% | 243 |
| Net interest margin | 2.6681% | 4,027 |
| Noninterest income to average assets | 0.0523% | 4,846 |
| Noninterest expense to average assets | 1.9890% | 3,753 |
| Loan and lease loss provision to assets | 0.0564% | 1,984 |
| Net operating income to assets | 0.4308% | 4,312 |
| Return on assets (ROA) | 0.4308% | 4,342 |
| Pretax return on assets | 0.5999% | 4,191 |
| Return on Equity (ROE) | 3.1384% | 4,447 |
| Retained earnings to average equity (ytd only) | 3.1384% | 3,738 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1903% | 1,205 |
| Assets per employee ($millions) | 6.6550% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,628 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 3,411 |
| Noncurrent loans to loans | 0.2109% | 3,352 |
| Net loans and leases to total assets | 70.9522% | 1,162 |
| Net loans and leases to deposits | 97.2431% | 366 |
| Net loans and leases to core deposits | 98.1595% | 799 |
| Total domestic deposits to total assets | 72.9637% | 4,702 |
| Equity capital to assets | 13.7110% | 737 |
| Core capital (leverage) ratio | 13.9659% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2978% | 314 |
| Memoranda: | ||
| Average total assets | $99,345,500 | 4,082 |
| Average earning assets | $96,546,500 | 4,017 |
| Average equity | $13,637,500 | 3,830 |
| Average total loans | $71,646,000 | 3,705 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 2,772 |
| Cost of funding earning assets | 1.0395% | 513 |
| Net interest margin | 2.9477% | 4,013 |
| Noninterest income to average assets | 0.0617% | 4,843 |
| Noninterest expense to average assets | 2.1739% | 3,747 |
| Loan and lease loss provision to assets | 0.0680% | 3,529 |
| Net operating income to assets | 0.4813% | 4,070 |
| Return on assets (ROA) | 0.4904% | 4,130 |
| Pretax return on assets | 0.6838% | 3,914 |
| Return on Equity (ROE) | 3.5147% | 4,266 |
| Retained earnings to average equity (ytd only) | 3.5147% | 3,071 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5963% | 1,377 |
| Assets per employee ($millions) | 7.0619% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,744 |
| Loan loss allowance to noncurrent loans | 1,089.7059% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,001 |
| Noncurrent loans to loans | 0.0948% | 3,918 |
| Net loans and leases to total assets | 71.7820% | 1,317 |
| Net loans and leases to deposits | 98.5133% | 434 |
| Net loans and leases to core deposits | 99.4451% | 926 |
| Total domestic deposits to total assets | 72.8653% | 4,683 |
| Equity capital to assets | 13.7439% | 859 |
| Core capital (leverage) ratio | 13.8170% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2498% | 314 |
| Memoranda: | ||
| Average total assets | $95,635,800 | 4,047 |
| Average earning assets | $92,547,800 | 3,991 |
| Average equity | $13,343,800 | 3,831 |
| Average total loans | $70,036,200 | 3,732 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,671 |
| Cost of funding earning assets | 1.0648% | 612 |
| Net interest margin | 3.0343% | 3,897 |
| Noninterest income to average assets | 0.0675% | 4,856 |
| Noninterest expense to average assets | 2.2257% | 3,619 |
| Loan and lease loss provision to assets | 0.0717% | 3,425 |
| Net operating income to assets | 0.5024% | 4,024 |
| Return on assets (ROA) | 0.5146% | 4,089 |
| Pretax return on assets | 0.7185% | 3,864 |
| Return on Equity (ROE) | 3.6738% | 4,251 |
| Retained earnings to average equity (ytd only) | 3.6738% | 3,210 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1799% | 1,392 |
| Assets per employee ($millions) | 6.5315% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,513 |
| Loan loss allowance to noncurrent loans | 229.3375% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 2,847 |
| Noncurrent loans to loans | 0.4538% | 2,688 |
| Net loans and leases to total assets | 70.5640% | 1,869 |
| Net loans and leases to deposits | 97.0955% | 682 |
| Net loans and leases to core deposits | 98.0193% | 1,304 |
| Total domestic deposits to total assets | 72.6748% | 4,658 |
| Equity capital to assets | 13.7713% | 915 |
| Core capital (leverage) ratio | 13.7144% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3944% | 322 |
| Memoranda: | ||
| Average total assets | $94,828,250 | 4,057 |
| Average earning assets | $91,661,250 | 4,000 |
| Average equity | $13,282,750 | 3,841 |
| Average total loans | $69,618,000 | 3,756 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,986 |
| Cost of funding earning assets | 1.0954% | 728 |
| Net interest margin | 3.0278% | 4,061 |
| Noninterest income to average assets | 0.0469% | 4,923 |
| Noninterest expense to average assets | 2.2350% | 3,693 |
| Loan and lease loss provision to assets | 0.0640% | 3,495 |
| Net operating income to assets | 0.4805% | 4,063 |
| Return on assets (ROA) | 0.4990% | 4,097 |
| Pretax return on assets | 0.6952% | 3,879 |
| Return on Equity (ROE) | 3.5420% | 4,229 |
| Retained earnings to average equity (ytd only) | 3.5420% | 3,156 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2333% | 1,341 |
| Assets per employee ($millions) | 6.4733% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,565 |
| Loan loss allowance to noncurrent loans | 272.5869% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 3,251 |
| Noncurrent loans to loans | 0.3679% | 3,089 |
| Net loans and leases to total assets | 71.7817% | 1,755 |
| Net loans and leases to deposits | 99.0986% | 603 |
| Net loans and leases to core deposits | 100.0474% | 1,249 |
| Total domestic deposits to total assets | 72.4346% | 4,689 |
| Equity capital to assets | 13.7446% | 910 |
| Core capital (leverage) ratio | 14.0917% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0574% | 332 |
| Memoranda: | ||
| Average total assets | $93,780,333 | 4,072 |
| Average earning assets | $90,561,333 | 4,018 |
| Average equity | $13,213,000 | 3,851 |
| Average total loans | $69,537,333 | 3,760 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,815 |
| Cost of funding earning assets | 1.1596% | 880 |
| Net interest margin | 3.1732% | 3,924 |
| Noninterest income to average assets | 0.0608% | 4,947 |
| Noninterest expense to average assets | 2.3274% | 3,709 |
| Loan and lease loss provision to assets | 0.0608% | 3,013 |
| Net operating income to assets | 0.5267% | 3,823 |
| Return on assets (ROA) | 0.5645% | 3,765 |
| Pretax return on assets | 0.7859% | 3,447 |
| Return on Equity (ROE) | 3.9554% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.9554% | 2,699 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4444% | 1,756 |
| Assets per employee ($millions) | 5.3643% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,729 |
| Loan loss allowance to noncurrent loans | 265.3846% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 3,309 |
| Noncurrent loans to loans | 0.3757% | 3,135 |
| Net loans and leases to total assets | 75.1286% | 1,437 |
| Net loans and leases to deposits | 106.0065% | 296 |
| Net loans and leases to core deposits | 107.1052% | 991 |
| Total domestic deposits to total assets | 70.8717% | 4,819 |
| Equity capital to assets | 14.4847% | 902 |
| Core capital (leverage) ratio | 14.1611% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7423% | 338 |
| Memoranda: | ||
| Average total assets | $92,120,500 | 4,090 |
| Average earning assets | $88,994,000 | 4,037 |
| Average equity | $13,146,500 | 3,867 |
| Average total loans | $69,103,000 | 3,779 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 3,036 |
| Cost of funding earning assets | 1.1941% | 1,035 |
| Net interest margin | 3.2769% | 4,033 |
| Noninterest income to average assets | 0.0777% | 4,979 |
| Noninterest expense to average assets | 2.3009% | 3,945 |
| Loan and lease loss provision to assets | 0.0735% | 2,527 |
| Net operating income to assets | 0.6263% | 4,083 |
| Return on assets (ROA) | 0.6271% | 4,142 |
| Pretax return on assets | 0.8805% | 3,791 |
| Return on Equity (ROE) | 4.6217% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.6217% | 2,633 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7134% | 2,064 |
| Assets per employee ($millions) | 5.4734% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,610 |
| Loan loss allowance to noncurrent loans | 261.0039% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 3,313 |
| Noncurrent loans to loans | 0.3753% | 3,097 |
| Net loans and leases to total assets | 73.4331% | 1,850 |
| Net loans and leases to deposits | 102.5130% | 439 |
| Net loans and leases to core deposits | 103.5367% | 1,266 |
| Total domestic deposits to total assets | 71.6329% | 4,879 |
| Equity capital to assets | 14.0616% | 1,078 |
| Core capital (leverage) ratio | 13.9822% | 933 |
| Tier 1 risk-based capital ratio | 25.9099% | 688 |
| Total risk-based capital ratio | 27.1582% | 668 |
| Memoranda: | ||
| Average total assets | $93,919,200 | 4,086 |
| Average earning assets | $91,031,000 | 4,035 |
| Average equity | $12,744,200 | 3,909 |
| Average total loans | $71,012,200 | 3,759 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 3,038 |
| Cost of funding earning assets | 1.1917% | 1,054 |
| Net interest margin | 3.3151% | 4,068 |
| Noninterest income to average assets | 0.0850% | 5,032 |
| Noninterest expense to average assets | 2.3355% | 3,863 |
| Loan and lease loss provision to assets | 0.0765% | 2,367 |
| Net operating income to assets | 0.6320% | 4,208 |
| Return on assets (ROA) | 0.6331% | 4,254 |
| Pretax return on assets | 0.8895% | 3,909 |
| Return on Equity (ROE) | 4.7079% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.7079% | 3,053 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7725% | 2,005 |
| Assets per employee ($millions) | 5.4666% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 3,799 |
| Loan loss allowance to noncurrent loans | 160.0484% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 2,747 |
| Noncurrent loans to loans | 0.5973% | 2,491 |
| Net loans and leases to total assets | 73.6886% | 1,876 |
| Net loans and leases to deposits | 102.6455% | 470 |
| Net loans and leases to core deposits | 103.2725% | 1,389 |
| Total domestic deposits to total assets | 71.7894% | 4,932 |
| Equity capital to assets | 13.9358% | 1,175 |
| Core capital (leverage) ratio | 13.8377% | 1,029 |
| Tier 1 risk-based capital ratio | 25.7432% | 723 |
| Total risk-based capital ratio | 26.9910% | 710 |
| Memoranda: | ||
| Average total assets | $94,137,000 | 4,133 |
| Average earning assets | $91,297,500 | 4,072 |
| Average equity | $12,659,250 | 3,958 |
| Average total loans | $71,514,250 | 3,792 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 2,928 |
| Cost of funding earning assets | 1.1778% | 1,055 |
| Net interest margin | 3.3501% | 4,030 |
| Noninterest income to average assets | 0.0910% | 5,071 |
| Noninterest expense to average assets | 2.3588% | 3,851 |
| Loan and lease loss provision to assets | 0.0846% | 2,154 |
| Net operating income to assets | 0.6330% | 4,213 |
| Return on assets (ROA) | 0.6347% | 4,255 |
| Pretax return on assets | 0.8991% | 3,845 |
| Return on Equity (ROE) | 4.7763% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.7763% | 2,878 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6143% | 2,134 |
| Assets per employee ($millions) | 5.4932% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,095 |
| Loan loss allowance to noncurrent loans | 112.3264% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 2,176 |
| Noncurrent loans to loans | 0.8005% | 1,995 |
| Net loans and leases to total assets | 76.3581% | 1,498 |
| Net loans and leases to deposits | 105.9791% | 342 |
| Net loans and leases to core deposits | 106.6145% | 1,205 |
| Total domestic deposits to total assets | 72.0501% | 4,972 |
| Equity capital to assets | 13.6521% | 1,263 |
| Core capital (leverage) ratio | 13.5357% | 1,103 |
| Tier 1 risk-based capital ratio | 24.6184% | 794 |
| Total risk-based capital ratio | 25.8685% | 769 |
| Memoranda: | ||
| Average total assets | $94,538,330 | 4,150 |
| Average earning assets | $91,699,330 | 4,081 |
| Average equity | $12,562,000 | 3,977 |
| Average total loans | $72,305,000 | 3,794 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 2,993 |
| Cost of funding earning assets | 1.1658% | 999 |
| Net interest margin | 3.2979% | 4,167 |
| Noninterest income to average assets | 0.1304% | 4,948 |
| Noninterest expense to average assets | 2.3424% | 3,916 |
| Loan and lease loss provision to assets | 0.1009% | 1,745 |
| Net operating income to assets | 0.6224% | 4,175 |
| Return on assets (ROA) | 0.6224% | 4,216 |
| Pretax return on assets | 0.8873% | 3,806 |
| Return on Equity (ROE) | 4.7480% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.7480% | 3,025 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3283% | 2,286 |
| Assets per employee ($millions) | 5.3824% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,265 |
| Loan loss allowance to noncurrent loans | 158.9421% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 2,946 |
| Noncurrent loans to loans | 0.5491% | 2,672 |
| Net loans and leases to total assets | 73.9789% | 1,810 |
| Net loans and leases to deposits | 100.9564% | 558 |
| Net loans and leases to core deposits | 101.5256% | 1,500 |
| Total domestic deposits to total assets | 73.2781% | 4,982 |
| Equity capital to assets | 12.9971% | 1,457 |
| Core capital (leverage) ratio | 13.1907% | 1,190 |
| Tier 1 risk-based capital ratio | 24.1939% | 825 |
| Total risk-based capital ratio | 25.4064% | 810 |
| Memoranda: | ||
| Average total assets | $95,115,000 | 4,180 |
| Average earning assets | $92,300,500 | 4,106 |
| Average equity | $12,468,500 | 4,006 |
| Average total loans | $72,480,500 | 3,828 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 3,135 |
| Cost of funding earning assets | 1.0112% | 721 |
| Net interest margin | 3.2827% | 4,296 |
| Noninterest income to average assets | 0.0752% | 5,216 |
| Noninterest expense to average assets | 2.3631% | 3,969 |
| Loan and lease loss provision to assets | 0.0710% | 2,717 |
| Net operating income to assets | 0.5633% | 4,512 |
| Return on assets (ROA) | 0.5667% | 4,513 |
| Pretax return on assets | 0.8262% | 4,103 |
| Return on Equity (ROE) | 4.4293% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.4293% | 3,096 |
| Net charge-offs to loans | 0.1882% | 1,022 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | 6.2910% | 3,101 |
| Efficiency ratio | 72.5764% | 1,834 |
| Assets per employee ($millions) | 5.4910% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 4,418 |
| Loan loss allowance to noncurrent loans | 127.7895% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 2,554 |
| Noncurrent loans to loans | 0.6538% | 2,362 |
| Net loans and leases to total assets | 77.1851% | 1,412 |
| Net loans and leases to deposits | 106.3720% | 357 |
| Net loans and leases to core deposits | 106.9975% | 1,197 |
| Total domestic deposits to total assets | 72.5615% | 5,041 |
| Equity capital to assets | 13.2248% | 1,243 |
| Core capital (leverage) ratio | 13.3789% | 1,117 |
| Tier 1 risk-based capital ratio | 24.0947% | 820 |
| Total risk-based capital ratio | 25.2701% | 808 |
| Memoranda: | ||
| Average total assets | $94,409,400 | 4,193 |
| Average earning assets | $91,479,400 | 4,120 |
| Average equity | $12,078,600 | 4,011 |
| Average total loans | $71,219,000 | 3,845 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 3,166 |
| Cost of funding earning assets | 0.9869% | 628 |
| Net interest margin | 3.2574% | 4,388 |
| Noninterest income to average assets | 0.0803% | 5,272 |
| Noninterest expense to average assets | 2.3687% | 3,930 |
| Loan and lease loss provision to assets | 0.0746% | 2,465 |
| Net operating income to assets | 0.5434% | 4,660 |
| Return on assets (ROA) | 0.5478% | 4,655 |
| Pretax return on assets | 0.7985% | 4,294 |
| Return on Equity (ROE) | 4.3178% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.3178% | 3,602 |
| Net charge-offs to loans | 0.2277% | 749 |
| Credit loss provision to net charge-offs | 43.8017% | 2,874 |
| Earnings coverage of net charge-offs (x) | 5.0909% | 2,992 |
| Efficiency ratio | 73.1941% | 1,702 |
| Assets per employee ($millions) | 5.3899% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,473 |
| Loan loss allowance to noncurrent loans | 206.1224% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 3,408 |
| Noncurrent loans to loans | 0.4113% | 3,180 |
| Net loans and leases to total assets | 77.3500% | 1,439 |
| Net loans and leases to deposits | 101.6610% | 669 |
| Net loans and leases to core deposits | 102.6148% | 1,551 |
| Total domestic deposits to total assets | 76.0862% | 4,780 |
| Equity capital to assets | 13.2840% | 1,215 |
| Core capital (leverage) ratio | 13.3104% | 1,173 |
| Tier 1 risk-based capital ratio | 24.4065% | 805 |
| Total risk-based capital ratio | 25.6094% | 787 |
| Memoranda: | ||
| Average total assets | $94,675,000 | 4,229 |
| Average earning assets | $91,728,250 | 4,148 |
| Average equity | $12,012,000 | 4,056 |
| Average total loans | $70,859,500 | 3,888 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 3,162 |
| Cost of funding earning assets | 0.9824% | 507 |
| Net interest margin | 3.2018% | 4,501 |
| Noninterest income to average assets | 0.0460% | 5,412 |
| Noninterest expense to average assets | 2.3492% | 4,028 |
| Loan and lease loss provision to assets | 0.0732% | 2,422 |
| Net operating income to assets | 0.5013% | 4,749 |
| Return on assets (ROA) | 0.5079% | 4,739 |
| Pretax return on assets | 0.7315% | 4,431 |
| Return on Equity (ROE) | 4.0640% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.0640% | 3,577 |
| Net charge-offs to loans | 0.3340% | 479 |
| Credit loss provision to net charge-offs | 29.6610% | 2,627 |
| Earnings coverage of net charge-offs (x) | 3.2288% | 2,896 |
| Efficiency ratio | 74.6844% | 1,611 |
| Assets per employee ($millions) | 5.6305% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,608 |
| Loan loss allowance to noncurrent loans | 130.4636% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 2,186 |
| Noncurrent loans to loans | 0.6355% | 2,522 |
| Net loans and leases to total assets | 73.8474% | 1,964 |
| Net loans and leases to deposits | 98.3197% | 946 |
| Net loans and leases to core deposits | 99.2098% | 1,797 |
| Total domestic deposits to total assets | 75.1094% | 4,947 |
| Equity capital to assets | 12.5837% | 1,495 |
| Core capital (leverage) ratio | 12.8433% | 1,300 |
| Tier 1 risk-based capital ratio | 23.6539% | 867 |
| Total risk-based capital ratio | 24.8044% | 848 |
| Memoranda: | ||
| Average total assets | $95,690,330 | 4,253 |
| Average earning assets | $92,634,000 | 4,169 |
| Average equity | $11,958,670 | 4,088 |
| Average total loans | $70,652,330 | 3,918 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 3,077 |
| Cost of funding earning assets | 0.9798% | 410 |
| Net interest margin | 3.1638% | 4,572 |
| Noninterest income to average assets | 0.0376% | 5,499 |
| Noninterest expense to average assets | 2.3412% | 4,079 |
| Loan and lease loss provision to assets | 0.0753% | 2,259 |
| Net operating income to assets | 0.4766% | 4,749 |
| Return on assets (ROA) | 0.4766% | 4,752 |
| Pretax return on assets | 0.6856% | 4,485 |
| Return on Equity (ROE) | 3.8269% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.8269% | 3,662 |
| Net charge-offs to loans | 0.8701% | 164 |
| Credit loss provision to net charge-offs | 11.7647% | 2,165 |
| Earnings coverage of net charge-offs (x) | 1.1895% | 2,583 |
| Efficiency ratio | 75.4717% | 1,671 |
| Assets per employee ($millions) | 5.3069% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 4,885 |
| Loan loss allowance to noncurrent loans | 61.1805% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 1,359 |
| Noncurrent loans to loans | 1.2454% | 1,457 |
| Net loans and leases to total assets | 73.4918% | 1,947 |
| Net loans and leases to deposits | 99.6635% | 733 |
| Net loans and leases to core deposits | 100.5802% | 1,643 |
| Total domestic deposits to total assets | 73.7399% | 5,179 |
| Equity capital to assets | 12.5056% | 1,484 |
| Core capital (leverage) ratio | 12.6687% | 1,308 |
| Tier 1 risk-based capital ratio | 23.7350% | 861 |
| Total risk-based capital ratio | 24.7991% | 868 |
| Memoranda: | ||
| Average total assets | $95,676,000 | 4,290 |
| Average earning assets | $92,673,000 | 4,216 |
| Average equity | $11,915,500 | 4,137 |
| Average total loans | $70,340,000 | 3,964 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 2,980 |
| Cost of funding earning assets | 0.9677% | 260 |
| Net interest margin | 3.1542% | 4,559 |
| Noninterest income to average assets | 0.0606% | 5,509 |
| Noninterest expense to average assets | 2.3380% | 4,235 |
| Loan and lease loss provision to assets | 0.1020% | 2,182 |
| Net operating income to assets | 0.3982% | 4,695 |
| Return on assets (ROA) | 0.4070% | 4,690 |
| Pretax return on assets | 0.6791% | 4,561 |
| Return on Equity (ROE) | 3.2789% | 4,752 |
| Retained earnings to average equity (ytd only) | 3.2789% | 3,341 |
| Net charge-offs to loans | 0.0481% | 2,824 |
| Credit loss provision to net charge-offs | 290.9091% | 968 |
| Earnings coverage of net charge-offs (x) | 21.8788% | 1,877 |
| Efficiency ratio | 75.2909% | 1,720 |
| Assets per employee ($millions) | 5.3237% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 4,146 |
| Loan loss allowance to noncurrent loans | 60.1786% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3817% | 1,025 |
| Noncurrent loans to loans | 1.6014% | 1,048 |
| Net loans and leases to total assets | 72.2803% | 2,183 |
| Net loans and leases to deposits | 95.7346% | 1,111 |
| Net loans and leases to core deposits | 96.5877% | 1,975 |
| Total domestic deposits to total assets | 75.5006% | 5,028 |
| Equity capital to assets | 12.4026% | 1,574 |
| Core capital (leverage) ratio | 12.3465% | 1,425 |
| Tier 1 risk-based capital ratio | 23.7139% | 843 |
| Total risk-based capital ratio | 24.9646% | 827 |
| Memoranda: | ||
| Average total assets | $94,098,600 | 4,344 |
| Average earning assets | $90,830,400 | 4,268 |
| Average equity | $11,680,800 | 4,190 |
| Average total loans | $68,626,400 | 3,999 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,942 |
| Cost of funding earning assets | 0.9565% | 243 |
| Net interest margin | 3.1573% | 4,562 |
| Noninterest income to average assets | 0.0769% | 5,541 |
| Noninterest expense to average assets | 2.4014% | 4,016 |
| Loan and lease loss provision to assets | 0.0826% | 2,439 |
| Net operating income to assets | 0.3839% | 5,028 |
| Return on assets (ROA) | 0.3957% | 5,035 |
| Pretax return on assets | 0.6562% | 4,711 |
| Return on Equity (ROE) | 3.1872% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.1872% | 4,020 |
| Net charge-offs to loans | 0.0644% | 2,199 |
| Credit loss provision to net charge-offs | 175.7576% | 1,499 |
| Earnings coverage of net charge-offs (x) | 15.3330% | 2,236 |
| Efficiency ratio | 76.9266% | 1,470 |
| Assets per employee ($millions) | 5.2269% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 4,505 |
| Loan loss allowance to noncurrent loans | 59.4949% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3902% | 1,125 |
| Noncurrent loans to loans | 1.5336% | 1,217 |
| Net loans and leases to total assets | 73.4121% | 2,020 |
| Net loans and leases to deposits | 97.6572% | 953 |
| Net loans and leases to core deposits | 98.0217% | 1,885 |
| Total domestic deposits to total assets | 75.1732% | 5,113 |
| Equity capital to assets | 12.5186% | 1,649 |
| Core capital (leverage) ratio | 12.6067% | 1,377 |
| Tier 1 risk-based capital ratio | 23.5752% | 887 |
| Total risk-based capital ratio | 24.8257% | 873 |
| Memoranda: | ||
| Average total assets | $93,666,500 | 4,393 |
| Average earning assets | $90,327,750 | 4,326 |
| Average equity | $11,629,750 | 4,238 |
| Average total loans | $68,298,500 | 4,037 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,835 |
| Cost of funding earning assets | 0.9459% | 228 |
| Net interest margin | 3.1531% | 4,537 |
| Noninterest income to average assets | 0.0855% | 5,560 |
| Noninterest expense to average assets | 2.4378% | 3,948 |
| Loan and lease loss provision to assets | 0.0770% | 2,441 |
| Net operating income to assets | 0.3676% | 5,049 |
| Return on assets (ROA) | 0.3785% | 5,052 |
| Pretax return on assets | 0.6244% | 4,752 |
| Return on Equity (ROE) | 3.0569% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.0569% | 3,892 |
| Net charge-offs to loans | 0.0973% | 1,651 |
| Credit loss provision to net charge-offs | 109.0909% | 1,901 |
| Earnings coverage of net charge-offs (x) | 9.6970% | 2,407 |
| Efficiency ratio | 78.0822% | 1,452 |
| Assets per employee ($millions) | 5.5011% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 4,678 |
| Loan loss allowance to noncurrent loans | 61.5230% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3227% | 1,236 |
| Noncurrent loans to loans | 1.4477% | 1,311 |
| Net loans and leases to total assets | 73.0590% | 2,030 |
| Net loans and leases to deposits | 97.2238% | 967 |
| Net loans and leases to core deposits | 97.5876% | 1,844 |
| Total domestic deposits to total assets | 75.1452% | 5,182 |
| Equity capital to assets | 12.4777% | 1,634 |
| Core capital (leverage) ratio | 12.5426% | 1,352 |
| Tier 1 risk-based capital ratio | 23.4677% | 901 |
| Total risk-based capital ratio | 24.6992% | 888 |
| Memoranda: | ||
| Average total assets | $93,527,330 | 4,426 |
| Average earning assets | $90,069,000 | 4,354 |
| Average equity | $11,580,330 | 4,259 |
| Average total loans | $67,829,670 | 4,065 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 2,596 |
| Cost of funding earning assets | 0.9431% | 220 |
| Net interest margin | 3.1718% | 4,430 |
| Noninterest income to average assets | 0.0984% | 5,598 |
| Noninterest expense to average assets | 2.4847% | 3,857 |
| Loan and lease loss provision to assets | 0.0770% | 2,272 |
| Net operating income to assets | 0.3522% | 5,069 |
| Return on assets (ROA) | 0.3550% | 5,083 |
| Pretax return on assets | 0.5902% | 4,751 |
| Return on Equity (ROE) | 2.8779% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.8779% | 3,976 |
| Net charge-offs to loans | 0.1962% | 879 |
| Credit loss provision to net charge-offs | 54.5455% | 1,948 |
| Earnings coverage of net charge-offs (x) | 4.6970% | 2,357 |
| Efficiency ratio | 78.9402% | 1,498 |
| Assets per employee ($millions) | 5.5039% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 4,814 |
| Loan loss allowance to noncurrent loans | 72.5061% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2889% | 1,319 |
| Noncurrent loans to loans | 1.2214% | 1,660 |
| Net loans and leases to total assets | 71.2912% | 2,172 |
| Net loans and leases to deposits | 94.6278% | 1,054 |
| Net loans and leases to core deposits | 94.9794% | 1,897 |
| Total domestic deposits to total assets | 75.3385% | 5,306 |
| Equity capital to assets | 12.3804% | 1,613 |
| Core capital (leverage) ratio | 12.4075% | 1,384 |
| Tier 1 risk-based capital ratio | 23.6265% | 904 |
| Total risk-based capital ratio | 24.8397% | 890 |
| Memoranda: | ||
| Average total assets | $93,531,500 | 4,471 |
| Average earning assets | $89,918,000 | 4,400 |
| Average equity | $11,536,000 | 4,300 |
| Average total loans | $67,275,500 | 4,107 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,927 |
| Cost of funding earning assets | 0.9723% | 204 |
| Net interest margin | 3.1094% | 4,705 |
| Noninterest income to average assets | 0.0518% | 5,763 |
| Noninterest expense to average assets | 2.5430% | 3,865 |
| Loan and lease loss provision to assets | 0.0656% | 3,054 |
| Net operating income to assets | 0.2301% | 5,352 |
| Return on assets (ROA) | 0.2444% | 5,402 |
| Pretax return on assets | 0.4390% | 5,142 |
| Return on Equity (ROE) | 2.0134% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.0134% | 4,395 |
| Net charge-offs to loans | 0.1696% | 1,603 |
| Credit loss provision to net charge-offs | 56.3636% | 3,297 |
| Earnings coverage of net charge-offs (x) | 4.1455% | 3,545 |
| Efficiency ratio | 84.0559% | 1,005 |
| Assets per employee ($millions) | 5.1942% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 4,752 |
| Loan loss allowance to noncurrent loans | 67.2907% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 2.0910% | 638 |
| Noncurrent loans to loans | 1.3502% | 1,523 |
| Net loans and leases to total assets | 71.2747% | 2,285 |
| Net loans and leases to deposits | 94.4149% | 1,155 |
| Net loans and leases to core deposits | 94.7627% | 2,036 |
| Total domestic deposits to total assets | 75.4909% | 5,297 |
| Equity capital to assets | 12.2872% | 1,639 |
| Core capital (leverage) ratio | 12.1723% | 1,492 |
| Tier 1 risk-based capital ratio | 23.3176% | 935 |
| Total risk-based capital ratio | 24.5538% | 922 |
| Memoranda: | ||
| Average total assets | $94,535,800 | 4,456 |
| Average earning assets | $90,402,600 | 4,375 |
| Average equity | $11,473,400 | 4,341 |
| Average total loans | $64,859,600 | 4,162 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 2,964 |
| Cost of funding earning assets | 0.9697% | 203 |
| Net interest margin | 3.1062% | 4,758 |
| Noninterest income to average assets | 0.0999% | 5,714 |
| Noninterest expense to average assets | 2.5640% | 3,783 |
| Loan and lease loss provision to assets | 0.0675% | 2,870 |
| Net operating income to assets | 0.2511% | 5,390 |
| Return on assets (ROA) | 0.2700% | 5,426 |
| Pretax return on assets | 0.4670% | 5,194 |
| Return on Equity (ROE) | 2.2319% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.2319% | 4,580 |
| Net charge-offs to loans | 0.1971% | 1,190 |
| Credit loss provision to net charge-offs | 50.5263% | 3,025 |
| Earnings coverage of net charge-offs (x) | 3.7790% | 3,361 |
| Efficiency ratio | 83.5472% | 1,024 |
| Assets per employee ($millions) | 5.0280% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,698 |
| Loan loss allowance to noncurrent loans | 59.5331% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.5018% | 545 |
| Noncurrent loans to loans | 1.5825% | 1,368 |
| Net loans and leases to total assets | 67.3565% | 2,896 |
| Net loans and leases to deposits | 88.7251% | 1,926 |
| Net loans and leases to core deposits | 89.0591% | 2,661 |
| Total domestic deposits to total assets | 75.9159% | 5,245 |
| Equity capital to assets | 12.0829% | 2,054 |
| Core capital (leverage) ratio | 12.0910% | 1,612 |
| Tier 1 risk-based capital ratio | 23.4728% | 949 |
| Total risk-based capital ratio | 24.7236% | 930 |
| Memoranda: | ||
| Average total assets | $94,795,750 | 4,488 |
| Average earning assets | $90,613,750 | 4,402 |
| Average equity | $11,469,750 | 4,381 |
| Average total loans | $64,262,000 | 4,199 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,890 |
| Cost of funding earning assets | 0.9674% | 199 |
| Net interest margin | 3.1259% | 4,759 |
| Noninterest income to average assets | 0.1163% | 5,717 |
| Noninterest expense to average assets | 2.5785% | 3,795 |
| Loan and lease loss provision to assets | 0.0719% | 2,697 |
| Net operating income to assets | 0.2734% | 5,387 |
| Return on assets (ROA) | 0.2856% | 5,441 |
| Pretax return on assets | 0.4717% | 5,201 |
| Return on Equity (ROE) | 2.3590% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.3590% | 4,376 |
| Net charge-offs to loans | 0.2343% | 1,004 |
| Credit loss provision to net charge-offs | 45.3333% | 2,717 |
| Earnings coverage of net charge-offs (x) | 3.3067% | 3,130 |
| Efficiency ratio | 83.0948% | 1,132 |
| Assets per employee ($millions) | 5.2781% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 4,718 |
| Loan loss allowance to noncurrent loans | 46.7120% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 2.5999% | 515 |
| Noncurrent loans to loans | 2.0562% | 952 |
| Net loans and leases to total assets | 67.0733% | 2,929 |
| Net loans and leases to deposits | 88.7420% | 1,891 |
| Net loans and leases to core deposits | 89.0770% | 2,633 |
| Total domestic deposits to total assets | 75.5823% | 5,345 |
| Equity capital to assets | 12.1267% | 2,034 |
| Core capital (leverage) ratio | 12.0764% | 1,573 |
| Tier 1 risk-based capital ratio | 23.5062% | 963 |
| Total risk-based capital ratio | 24.7568% | 935 |
| Memoranda: | ||
| Average total assets | $94,550,330 | 4,526 |
| Average earning assets | $90,342,330 | 4,451 |
| Average equity | $11,445,330 | 4,409 |
| Average total loans | $64,029,670 | 4,237 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,725 |
| Cost of funding earning assets | 0.9716% | 200 |
| Net interest margin | 3.1588% | 4,706 |
| Noninterest income to average assets | 0.1018% | 5,817 |
| Noninterest expense to average assets | 2.5360% | 3,959 |
| Loan and lease loss provision to assets | 0.0848% | 2,261 |
| Net operating income to assets | 0.2975% | 5,315 |
| Return on assets (ROA) | 0.3138% | 5,350 |
| Pretax return on assets | 0.5259% | 5,016 |
| Return on Equity (ROE) | 2.5948% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.5948% | 4,206 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2500% | 1,454 |
| Assets per employee ($millions) | 5.2274% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 4,191 |
| Loan loss allowance to noncurrent loans | 58.8899% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.3583% | 658 |
| Noncurrent loans to loans | 1.8277% | 1,218 |
| Net loans and leases to total assets | 66.3237% | 2,897 |
| Net loans and leases to deposits | 87.8685% | 1,845 |
| Net loans and leases to core deposits | 88.2026% | 2,544 |
| Total domestic deposits to total assets | 75.4806% | 5,473 |
| Equity capital to assets | 12.1752% | 1,906 |
| Core capital (leverage) ratio | 12.1232% | 1,533 |
| Tier 1 risk-based capital ratio | 23.7347% | 943 |
| Total risk-based capital ratio | 24.9875% | 934 |
| Memoranda: | ||
| Average total assets | $94,323,000 | 4,570 |
| Average earning assets | $90,161,500 | 4,496 |
| Average equity | $11,407,500 | 4,429 |
| Average total loans | $63,874,000 | 4,266 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,369 |
| Cost of funding earning assets | 1.0228% | 155 |
| Net interest margin | 3.2330% | 4,521 |
| Noninterest income to average assets | 0.0199% | 6,067 |
| Noninterest expense to average assets | 2.4422% | 4,404 |
| Loan and lease loss provision to assets | 0.0829% | 2,641 |
| Net operating income to assets | 0.3412% | 5,239 |
| Return on assets (ROA) | 0.3976% | 5,137 |
| Pretax return on assets | 0.6735% | 4,603 |
| Return on Equity (ROE) | 3.3731% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.3731% | 3,651 |
| Net charge-offs to loans | 0.1415% | 1,932 |
| Credit loss provision to net charge-offs | 84.9462% | 2,862 |
| Earnings coverage of net charge-offs (x) | 6.8495% | 3,162 |
| Efficiency ratio | 78.5160% | 1,884 |
| Assets per employee ($millions) | 4.9765% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 4,489 |
| Loan loss allowance to noncurrent loans | 68.1489% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.1670% | 784 |
| Noncurrent loans to loans | 1.4954% | 1,550 |
| Net loans and leases to total assets | 67.6911% | 2,753 |
| Net loans and leases to deposits | 89.3586% | 1,704 |
| Net loans and leases to core deposits | 89.3586% | 2,461 |
| Total domestic deposits to total assets | 75.7522% | 5,470 |
| Equity capital to assets | 12.0134% | 1,944 |
| Core capital (leverage) ratio | 12.1081% | 1,550 |
| Tier 1 risk-based capital ratio | 23.1732% | 995 |
| Total risk-based capital ratio | 24.4249% | 981 |
| Memoranda: | ||
| Average total assets | $95,324,800 | 4,556 |
| Average earning assets | $91,122,200 | 4,480 |
| Average equity | $11,235,800 | 4,435 |
| Average total loans | $65,745,400 | 4,208 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,356 |
| Cost of funding earning assets | 1.0325% | 152 |
| Net interest margin | 3.2303% | 4,574 |
| Noninterest income to average assets | 0.0516% | 6,088 |
| Noninterest expense to average assets | 2.4595% | 4,319 |
| Loan and lease loss provision to assets | 0.0907% | 2,357 |
| Net operating income to assets | 0.3507% | 5,315 |
| Return on assets (ROA) | 0.4257% | 5,150 |
| Pretax return on assets | 0.7063% | 4,664 |
| Return on Equity (ROE) | 3.6293% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.6293% | 3,884 |
| Net charge-offs to loans | 0.1878% | 1,360 |
| Credit loss provision to net charge-offs | 69.8925% | 2,771 |
| Earnings coverage of net charge-offs (x) | 5.2365% | 3,233 |
| Efficiency ratio | 78.3459% | 1,905 |
| Assets per employee ($millions) | 4.7013% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,878 |
| Loan loss allowance to noncurrent loans | 87.0445% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 1,036 |
| Noncurrent loans to loans | 1.1166% | 2,267 |
| Net loans and leases to total assets | 69.8931% | 2,402 |
| Net loans and leases to deposits | 92.3874% | 1,367 |
| Net loans and leases to core deposits | 92.3874% | 2,226 |
| Total domestic deposits to total assets | 75.6522% | 5,545 |
| Equity capital to assets | 12.0064% | 2,103 |
| Core capital (leverage) ratio | 11.7679% | 1,842 |
| Tier 1 risk-based capital ratio | 22.9221% | 1,062 |
| Total risk-based capital ratio | 24.1725% | 1,047 |
| Memoranda: | ||
| Average total assets | $95,517,750 | 4,605 |
| Average earning assets | $91,299,250 | 4,529 |
| Average equity | $11,205,000 | 4,492 |
| Average total loans | $66,016,000 | 4,241 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,291 |
| Cost of funding earning assets | 1.0374% | 139 |
| Net interest margin | 3.2299% | 4,564 |
| Noninterest income to average assets | 0.0312% | 6,214 |
| Noninterest expense to average assets | 2.4579% | 4,369 |
| Loan and lease loss provision to assets | 0.1062% | 2,060 |
| Net operating income to assets | 0.3239% | 5,374 |
| Return on assets (ROA) | 0.4333% | 5,122 |
| Pretax return on assets | 0.7249% | 4,579 |
| Return on Equity (ROE) | 3.7219% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.7219% | 3,655 |
| Net charge-offs to loans | 0.1608% | 1,512 |
| Credit loss provision to net charge-offs | 96.2264% | 2,127 |
| Earnings coverage of net charge-offs (x) | 5.9811% | 2,848 |
| Efficiency ratio | 78.8243% | 1,943 |
| Assets per employee ($millions) | 5.0808% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 4,754 |
| Loan loss allowance to noncurrent loans | 73.2533% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.9630% | 1,132 |
| Noncurrent loans to loans | 1.3962% | 1,931 |
| Net loans and leases to total assets | 67.2658% | 2,755 |
| Net loans and leases to deposits | 88.3722% | 1,786 |
| Net loans and leases to core deposits | 88.3722% | 2,519 |
| Total domestic deposits to total assets | 76.1164% | 5,584 |
| Equity capital to assets | 11.6030% | 2,329 |
| Core capital (leverage) ratio | 11.5281% | 1,969 |
| Tier 1 risk-based capital ratio | 22.6642% | 1,119 |
| Total risk-based capital ratio | 23.9134% | 1,099 |
| Memoranda: | ||
| Average total assets | $96,015,330 | 4,632 |
| Average earning assets | $91,768,330 | 4,563 |
| Average equity | $11,177,000 | 4,530 |
| Average total loans | $65,900,670 | 4,277 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,184 |
| Cost of funding earning assets | 1.0479% | 137 |
| Net interest margin | 3.2266% | 4,495 |
| Noninterest income to average assets | 0.1170% | 6,012 |
| Noninterest expense to average assets | 2.4187% | 4,543 |
| Loan and lease loss provision to assets | 0.1003% | 2,020 |
| Net operating income to assets | 0.4136% | 5,019 |
| Return on assets (ROA) | 0.4136% | 5,133 |
| Pretax return on assets | 0.6851% | 4,634 |
| Return on Equity (ROE) | 3.5468% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.5468% | 3,873 |
| Net charge-offs to loans | 0.2120% | 1,097 |
| Credit loss provision to net charge-offs | 68.5714% | 1,928 |
| Earnings coverage of net charge-offs (x) | 5.3714% | 2,394 |
| Efficiency ratio | 75.4889% | 2,588 |
| Assets per employee ($millions) | 5.0632% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 4,985 |
| Loan loss allowance to noncurrent loans | 60.7897% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.1913% | 1,050 |
| Noncurrent loans to loans | 1.6545% | 1,682 |
| Net loans and leases to total assets | 67.7339% | 2,493 |
| Net loans and leases to deposits | 88.9811% | 1,509 |
| Net loans and leases to core deposits | 88.9811% | 2,223 |
| Total domestic deposits to total assets | 76.1216% | 5,726 |
| Equity capital to assets | 11.6507% | 2,339 |
| Core capital (leverage) ratio | 11.5188% | 1,992 |
| Tier 1 risk-based capital ratio | 22.5750% | 1,162 |
| Total risk-based capital ratio | 23.8254% | 1,147 |
| Memoranda: | ||
| Average total assets | $95,755,500 | 4,672 |
| Average earning assets | $91,614,500 | 4,601 |
| Average equity | $11,165,000 | 4,568 |
| Average total loans | $66,048,000 | 4,300 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 2,186 |
| Cost of funding earning assets | 1.0914% | 142 |
| Net interest margin | 3.3181% | 4,515 |
| Noninterest income to average assets | 0.0294% | 6,340 |
| Noninterest expense to average assets | 2.4760% | 4,622 |
| Loan and lease loss provision to assets | 0.0472% | 3,625 |
| Net operating income to assets | 0.3927% | 5,247 |
| Return on assets (ROA) | 0.3954% | 5,304 |
| Pretax return on assets | 0.6796% | 4,697 |
| Return on Equity (ROE) | 3.4455% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.4455% | 3,757 |
| Net charge-offs to loans | 0.1351% | 2,668 |
| Credit loss provision to net charge-offs | 50.5618% | 3,467 |
| Earnings coverage of net charge-offs (x) | 7.7416% | 2,987 |
| Efficiency ratio | 77.4098% | 2,292 |
| Assets per employee ($millions) | 5.0164% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 4,966 |
| Loan loss allowance to noncurrent loans | 67.5703% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.9851% | 1,287 |
| Noncurrent loans to loans | 1.5029% | 1,948 |
| Net loans and leases to total assets | 68.8284% | 2,432 |
| Net loans and leases to deposits | 90.8740% | 1,415 |
| Net loans and leases to core deposits | 90.8740% | 2,195 |
| Total domestic deposits to total assets | 75.7405% | 5,777 |
| Equity capital to assets | 11.6692% | 2,285 |
| Core capital (leverage) ratio | 11.4316% | 2,036 |
| Tier 1 risk-based capital ratio | 22.0864% | 1,212 |
| Total risk-based capital ratio | 23.3391% | 1,184 |
| Memoranda: | ||
| Average total assets | $95,355,400 | 4,706 |
| Average earning assets | $91,075,000 | 4,633 |
| Average equity | $10,941,800 | 4,574 |
| Average total loans | $65,885,800 | 4,299 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,088 |
| Cost of funding earning assets | 1.0897% | 152 |
| Net interest margin | 3.3497% | 4,432 |
| Noninterest income to average assets | -0.0140% | 6,496 |
| Noninterest expense to average assets | 2.4704% | 4,615 |
| Loan and lease loss provision to assets | 0.0447% | 3,501 |
| Net operating income to assets | 0.3851% | 5,300 |
| Return on assets (ROA) | 0.3887% | 5,372 |
| Pretax return on assets | 0.6739% | 4,787 |
| Return on Equity (ROE) | 3.4016% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.4016% | 4,206 |
| Net charge-offs to loans | 0.1804% | 2,009 |
| Credit loss provision to net charge-offs | 35.9551% | 3,352 |
| Earnings coverage of net charge-offs (x) | 5.7305% | 3,206 |
| Efficiency ratio | 77.6021% | 2,252 |
| Assets per employee ($millions) | 4.9964% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 5,169 |
| Loan loss allowance to noncurrent loans | 132.0000% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 2,058 |
| Noncurrent loans to loans | 0.7649% | 3,678 |
| Net loans and leases to total assets | 68.1635% | 2,505 |
| Net loans and leases to deposits | 89.5676% | 1,472 |
| Net loans and leases to core deposits | 89.5676% | 2,265 |
| Total domestic deposits to total assets | 76.1029% | 5,802 |
| Equity capital to assets | 11.5851% | 2,402 |
| Core capital (leverage) ratio | 11.3106% | 2,208 |
| Tier 1 risk-based capital ratio | 22.3432% | 1,213 |
| Total risk-based capital ratio | 23.5952% | 1,197 |
| Memoranda: | ||
| Average total assets | $95,366,500 | 4,755 |
| Average earning assets | $91,031,750 | 4,671 |
| Average equity | $10,896,750 | 4,614 |
| Average total loans | $65,788,750 | 4,340 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 1,967 |
| Cost of funding earning assets | 1.0892% | 155 |
| Net interest margin | 3.3685% | 4,320 |
| Noninterest income to average assets | -0.0461% | 6,583 |
| Noninterest expense to average assets | 2.4814% | 4,641 |
| Loan and lease loss provision to assets | 0.0419% | 3,483 |
| Net operating income to assets | 0.3716% | 5,321 |
| Return on assets (ROA) | 0.3769% | 5,372 |
| Pretax return on assets | 0.6512% | 4,780 |
| Return on Equity (ROE) | 3.3140% | 5,421 |
| Retained earnings to average equity (ytd only) | 3.3140% | 4,090 |
| Net charge-offs to loans | 0.2700% | 1,470 |
| Credit loss provision to net charge-offs | 22.4719% | 3,166 |
| Earnings coverage of net charge-offs (x) | 3.6742% | 3,244 |
| Efficiency ratio | 78.3730% | 2,252 |
| Assets per employee ($millions) | 5.1656% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 5,493 |
| Loan loss allowance to noncurrent loans | 69.7524% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.7433% | 1,865 |
| Noncurrent loans to loans | 1.3879% | 2,482 |
| Net loans and leases to total assets | 67.5412% | 2,495 |
| Net loans and leases to deposits | 87.7094% | 1,628 |
| Net loans and leases to core deposits | 87.7094% | 2,341 |
| Total domestic deposits to total assets | 77.0057% | 5,799 |
| Equity capital to assets | 11.1028% | 2,785 |
| Core capital (leverage) ratio | 10.9395% | 2,479 |
| Tier 1 risk-based capital ratio | 21.7251% | 1,303 |
| Total risk-based capital ratio | 22.9779% | 1,282 |
| Memoranda: | ||
| Average total assets | $95,511,330 | 4,783 |
| Average earning assets | $91,078,000 | 4,700 |
| Average equity | $10,863,000 | 4,644 |
| Average total loans | $65,928,670 | 4,358 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 2,077 |
| Cost of funding earning assets | 1.0818% | 173 |
| Net interest margin | 3.3345% | 4,398 |
| Noninterest income to average assets | -0.0085% | 6,629 |
| Noninterest expense to average assets | 2.5225% | 4,542 |
| Loan and lease loss provision to assets | 0.0255% | 3,501 |
| Net operating income to assets | 0.3610% | 5,269 |
| Return on assets (ROA) | 0.3610% | 5,335 |
| Pretax return on assets | 0.6242% | 4,746 |
| Return on Equity (ROE) | 3.1348% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.1348% | 4,242 |
| Net charge-offs to loans | 0.3607% | 1,000 |
| Credit loss provision to net charge-offs | 10.1695% | 2,603 |
| Earnings coverage of net charge-offs (x) | 2.5932% | 2,846 |
| Efficiency ratio | 79.5181% | 2,274 |
| Assets per employee ($millions) | 5.3584% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 5,487 |
| Loan loss allowance to noncurrent loans | 54.9669% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.9481% | 1,761 |
| Noncurrent loans to loans | 1.8339% | 2,093 |
| Net loans and leases to total assets | 67.6053% | 2,281 |
| Net loans and leases to deposits | 88.2450% | 1,328 |
| Net loans and leases to core deposits | 88.2450% | 2,065 |
| Total domestic deposits to total assets | 76.6109% | 6,010 |
| Equity capital to assets | 11.3000% | 2,425 |
| Core capital (leverage) ratio | 11.0446% | 2,343 |
| Tier 1 risk-based capital ratio | 21.9481% | 1,297 |
| Total risk-based capital ratio | 23.2003% | 1,271 |
| Memoranda: | ||
| Average total assets | $94,194,000 | 4,874 |
| Average earning assets | $89,848,000 | 4,778 |
| Average equity | $10,846,000 | 4,654 |
| Average total loans | $65,424,500 | 4,416 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 1,922 |
| Cost of funding earning assets | 1.2703% | 127 |
| Net interest margin | 3.3130% | 4,614 |
| Noninterest income to average assets | 0.0263% | 6,599 |
| Noninterest expense to average assets | 2.5893% | 4,501 |
| Loan and lease loss provision to assets | 0.1306% | 2,679 |
| Net operating income to assets | 0.2677% | 5,628 |
| Return on assets (ROA) | 0.2677% | 5,711 |
| Pretax return on assets | 0.4597% | 5,324 |
| Return on Equity (ROE) | 2.2804% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.2804% | 4,624 |
| Net charge-offs to loans | 0.1216% | 3,596 |
| Credit loss provision to net charge-offs | 158.6667% | 1,444 |
| Earnings coverage of net charge-offs (x) | 7.1733% | 2,899 |
| Efficiency ratio | 81.4355% | 1,954 |
| Assets per employee ($millions) | 5.7461% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,127 |
| Loan loss allowance to noncurrent loans | 45.0660% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 1,563 |
| Noncurrent loans to loans | 2.4485% | 1,558 |
| Net loans and leases to total assets | 69.8979% | 2,024 |
| Net loans and leases to deposits | 92.3822% | 1,015 |
| Net loans and leases to core deposits | 92.3822% | 1,753 |
| Total domestic deposits to total assets | 75.6616% | 6,119 |
| Equity capital to assets | 11.7396% | 1,998 |
| Core capital (leverage) ratio | 11.4931% | 1,966 |
| Tier 1 risk-based capital ratio | 22.4583% | 1,180 |
| Total risk-based capital ratio | 23.7116% | 1,159 |
| Memoranda: | ||
| Average total assets | $91,145,000 | 4,949 |
| Average earning assets | $86,749,600 | 4,860 |
| Average equity | $10,700,000 | 4,697 |
| Average total loans | $61,654,000 | 4,557 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 2,199 |
| Cost of funding earning assets | 1.2855% | 135 |
| Net interest margin | 3.2231% | 4,921 |
| Noninterest income to average assets | 0.0748% | 6,558 |
| Noninterest expense to average assets | 2.6901% | 4,051 |
| Loan and lease loss provision to assets | 0.0542% | 3,952 |
| Net operating income to assets | 0.2390% | 5,809 |
| Return on assets (ROA) | 0.2390% | 5,897 |
| Pretax return on assets | 0.3958% | 5,635 |
| Return on Equity (ROE) | 2.0355% | 5,926 |
| Retained earnings to average equity (ytd only) | 2.0355% | 5,111 |
| Net charge-offs to loans | 0.1644% | 2,915 |
| Credit loss provision to net charge-offs | 49.3333% | 3,524 |
| Earnings coverage of net charge-offs (x) | 4.0932% | 3,540 |
| Efficiency ratio | 85.6676% | 1,392 |
| Assets per employee ($millions) | 5.3806% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 5,730 |
| Loan loss allowance to noncurrent loans | 31.9256% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 2.7593% | 1,360 |
| Noncurrent loans to loans | 3.1247% | 1,264 |
| Net loans and leases to total assets | 68.8962% | 2,158 |
| Net loans and leases to deposits | 91.1365% | 1,051 |
| Net loans and leases to core deposits | 91.1365% | 1,859 |
| Total domestic deposits to total assets | 75.5966% | 6,211 |
| Equity capital to assets | 11.7250% | 2,112 |
| Core capital (leverage) ratio | 11.4647% | 2,068 |
| Tier 1 risk-based capital ratio | 22.4003% | 1,248 |
| Total risk-based capital ratio | 23.6514% | 1,223 |
| Memoranda: | ||
| Average total assets | $90,947,000 | 5,007 |
| Average earning assets | $86,498,750 | 4,914 |
| Average equity | $10,676,750 | 4,760 |
| Average total loans | $60,822,750 | 4,628 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 2,307 |
| Cost of funding earning assets | 1.2959% | 142 |
| Net interest margin | 3.1738% | 5,033 |
| Noninterest income to average assets | 0.1256% | 6,426 |
| Noninterest expense to average assets | 2.7167% | 3,975 |
| Loan and lease loss provision to assets | 0.0595% | 3,814 |
| Net operating income to assets | 0.2225% | 5,835 |
| Return on assets (ROA) | 0.2225% | 5,961 |
| Pretax return on assets | 0.3658% | 5,715 |
| Return on Equity (ROE) | 1.8948% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.8948% | 5,059 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4656% | 1,368 |
| Assets per employee ($millions) | 5.3722% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,282 |
| Loan loss allowance to noncurrent loans | 41.7910% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 2.4812% | 1,712 |
| Noncurrent loans to loans | 2.7253% | 1,674 |
| Net loans and leases to total assets | 66.5294% | 2,502 |
| Net loans and leases to deposits | 88.1743% | 1,322 |
| Net loans and leases to core deposits | 88.1743% | 2,085 |
| Total domestic deposits to total assets | 75.4522% | 6,316 |
| Equity capital to assets | 11.7116% | 2,121 |
| Core capital (leverage) ratio | 11.4177% | 2,008 |
| Tier 1 risk-based capital ratio | 22.7498% | 1,176 |
| Total risk-based capital ratio | 24.0040% | 1,152 |
| Memoranda: | ||
| Average total assets | $90,772,330 | 5,043 |
| Average earning assets | $86,269,330 | 4,942 |
| Average equity | $10,660,670 | 4,797 |
| Average total loans | $59,878,670 | 4,678 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 2,312 |
| Cost of funding earning assets | 1.3025% | 155 |
| Net interest margin | 3.1586% | 5,064 |
| Noninterest income to average assets | 0.1282% | 6,452 |
| Noninterest expense to average assets | 2.7051% | 4,035 |
| Loan and lease loss provision to assets | 0.0575% | 3,673 |
| Net operating income to assets | 0.2254% | 5,806 |
| Return on assets (ROA) | 0.2254% | 5,932 |
| Pretax return on assets | 0.3669% | 5,655 |
| Return on Equity (ROE) | 1.9168% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.9168% | 5,041 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4407% | 1,464 |
| Assets per employee ($millions) | 5.3602% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,381 |
| Loan loss allowance to noncurrent loans | 34.8577% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 2.6612% | 1,706 |
| Noncurrent loans to loans | 3.3147% | 1,463 |
| Net loans and leases to total assets | 64.4031% | 2,630 |
| Net loans and leases to deposits | 85.3317% | 1,442 |
| Net loans and leases to core deposits | 85.3317% | 2,177 |
| Total domestic deposits to total assets | 75.4738% | 6,417 |
| Equity capital to assets | 11.7237% | 2,236 |
| Core capital (leverage) ratio | 11.3941% | 1,950 |
| Tier 1 risk-based capital ratio | 23.0872% | 1,147 |
| Total risk-based capital ratio | 24.3393% | 1,123 |
| Memoranda: | ||
| Average total assets | $90,494,500 | 5,085 |
| Average earning assets | $85,988,000 | 4,984 |
| Average equity | $10,643,000 | 4,849 |
| Average total loans | $59,088,000 | 4,734 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 2,265 |
| Cost of funding earning assets | 1.5509% | 131 |
| Net interest margin | 3.2301% | 5,492 |
| Noninterest income to average assets | 0.1080% | 6,473 |
| Noninterest expense to average assets | 2.7065% | 4,378 |
| Loan and lease loss provision to assets | 0.0589% | 5,037 |
| Net operating income to assets | 0.2248% | 5,720 |
| Return on assets (ROA) | 0.2988% | 5,679 |
| Pretax return on assets | 0.5310% | 5,194 |
| Return on Equity (ROE) | 2.6300% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.6300% | 4,385 |
| Net charge-offs to loans | 0.0856% | 4,824 |
| Credit loss provision to net charge-offs | 108.0000% | 2,736 |
| Earnings coverage of net charge-offs (x) | 8.7000% | 2,368 |
| Efficiency ratio | 85.0874% | 1,507 |
| Assets per employee ($millions) | 4.9926% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 5,367 |
| Loan loss allowance to noncurrent loans | 31.6855% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 2.8721% | 1,662 |
| Noncurrent loans to loans | 3.6120% | 1,361 |
| Net loans and leases to total assets | 64.6863% | 2,775 |
| Net loans and leases to deposits | 85.9316% | 1,525 |
| Net loans and leases to core deposits | 85.9316% | 2,317 |
| Total domestic deposits to total assets | 75.2765% | 6,425 |
| Equity capital to assets | 11.7987% | 2,185 |
| Core capital (leverage) ratio | 11.4934% | 1,881 |
| Tier 1 risk-based capital ratio | 23.0593% | 1,106 |
| Total risk-based capital ratio | 24.3139% | 1,087 |
| Memoranda: | ||
| Average total assets | $91,706,600 | 5,032 |
| Average earning assets | $87,241,400 | 4,931 |
| Average equity | $10,418,400 | 4,886 |
| Average total loans | $58,400,000 | 4,779 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 2,217 |
| Cost of funding earning assets | 1.5963% | 127 |
| Net interest margin | 3.2489% | 5,551 |
| Noninterest income to average assets | 0.0969% | 6,627 |
| Noninterest expense to average assets | 2.6951% | 4,388 |
| Loan and lease loss provision to assets | 0.0492% | 5,152 |
| Net operating income to assets | 0.2350% | 5,825 |
| Return on assets (ROA) | 0.3211% | 5,747 |
| Pretax return on assets | 0.5786% | 5,237 |
| Return on Equity (ROE) | 2.8537% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.8537% | 4,839 |
| Net charge-offs to loans | 0.1144% | 4,239 |
| Credit loss provision to net charge-offs | 68.0000% | 3,959 |
| Earnings coverage of net charge-offs (x) | 6.8196% | 2,706 |
| Efficiency ratio | 84.5281% | 1,531 |
| Assets per employee ($millions) | 5.0078% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,632 |
| Loan loss allowance to noncurrent loans | 28.9322% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 3.0109% | 1,736 |
| Noncurrent loans to loans | 3.8731% | 1,341 |
| Net loans and leases to total assets | 63.9239% | 3,036 |
| Net loans and leases to deposits | 84.8391% | 1,756 |
| Net loans and leases to core deposits | 84.8391% | 2,599 |
| Total domestic deposits to total assets | 75.3472% | 6,474 |
| Equity capital to assets | 11.7417% | 2,490 |
| Core capital (leverage) ratio | 11.4046% | 2,052 |
| Tier 1 risk-based capital ratio | 23.0068% | 1,172 |
| Total risk-based capital ratio | 24.2626% | 1,144 |
| Memoranda: | ||
| Average total assets | $92,166,750 | 5,073 |
| Average earning assets | $87,699,750 | 4,974 |
| Average equity | $10,372,250 | 4,947 |
| Average total loans | $58,299,000 | 4,829 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 1,904 |
| Cost of funding earning assets | 1.6224% | 141 |
| Net interest margin | 3.3355% | 5,327 |
| Noninterest income to average assets | 0.0905% | 6,714 |
| Noninterest expense to average assets | 2.7143% | 4,350 |
| Loan and lease loss provision to assets | 0.0560% | 4,959 |
| Net operating income to assets | 0.2950% | 5,638 |
| Return on assets (ROA) | 0.3447% | 5,673 |
| Pretax return on assets | 0.5687% | 5,251 |
| Return on Equity (ROE) | 3.1063% | 5,650 |
| Retained earnings to average equity (ytd only) | 3.1063% | 4,568 |
| Net charge-offs to loans | 0.0789% | 4,358 |
| Credit loss provision to net charge-offs | 113.0435% | 2,412 |
| Earnings coverage of net charge-offs (x) | 11.0435% | 1,998 |
| Efficiency ratio | 83.2232% | 1,720 |
| Assets per employee ($millions) | 5.1861% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 5,575 |
| Loan loss allowance to noncurrent loans | 29.3194% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 2.9084% | 1,903 |
| Noncurrent loans to loans | 3.9196% | 1,417 |
| Net loans and leases to total assets | 61.9218% | 3,460 |
| Net loans and leases to deposits | 81.4393% | 2,178 |
| Net loans and leases to core deposits | 81.4393% | 3,031 |
| Total domestic deposits to total assets | 76.0343% | 6,451 |
| Equity capital to assets | 11.2855% | 2,807 |
| Core capital (leverage) ratio | 10.9459% | 2,355 |
| Tier 1 risk-based capital ratio | 22.4024% | 1,218 |
| Total risk-based capital ratio | 23.6547% | 1,200 |
| Memoranda: | ||
| Average total assets | $92,842,330 | 5,096 |
| Average earning assets | $88,262,670 | 4,986 |
| Average equity | $10,301,670 | 4,964 |
| Average total loans | $58,307,330 | 4,862 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 1,633 |
| Cost of funding earning assets | 1.6785% | 134 |
| Net interest margin | 3.4025% | 5,111 |
| Noninterest income to average assets | 0.1123% | 6,682 |
| Noninterest expense to average assets | 2.7347% | 4,299 |
| Loan and lease loss provision to assets | 0.0562% | 4,703 |
| Net operating income to assets | 0.3370% | 5,528 |
| Return on assets (ROA) | 0.3370% | 5,702 |
| Pretax return on assets | 0.5530% | 5,267 |
| Return on Equity (ROE) | 3.0633% | 5,696 |
| Retained earnings to average equity (ytd only) | 3.0633% | 4,725 |
| Net charge-offs to loans | 0.1580% | 3,146 |
| Credit loss provision to net charge-offs | 56.5217% | 3,175 |
| Earnings coverage of net charge-offs (x) | 6.1304% | 2,249 |
| Efficiency ratio | 81.7829% | 1,963 |
| Assets per employee ($millions) | 5.2128% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,779 |
| Loan loss allowance to noncurrent loans | 31.9593% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 2.8924% | 2,008 |
| Noncurrent loans to loans | 3.5500% | 1,749 |
| Net loans and leases to total assets | 61.2005% | 3,411 |
| Net loans and leases to deposits | 79.8235% | 2,225 |
| Net loans and leases to core deposits | 79.8235% | 3,090 |
| Total domestic deposits to total assets | 76.6698% | 6,459 |
| Equity capital to assets | 10.9090% | 3,019 |
| Core capital (leverage) ratio | 10.7758% | 2,469 |
| Tier 1 risk-based capital ratio | 22.2090% | 1,255 |
| Total risk-based capital ratio | 23.4607% | 1,226 |
| Memoranda: | ||
| Average total assets | $92,588,500 | 5,138 |
| Average earning assets | $87,936,000 | 5,026 |
| Average equity | $10,185,000 | 4,997 |
| Average total loans | $58,223,000 | 4,895 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2970% | 1,709 |
| Cost of funding earning assets | 1.8605% | 176 |
| Net interest margin | 3.4365% | 5,377 |
| Noninterest income to average assets | 0.0303% | 6,901 |
| Noninterest expense to average assets | 2.4787% | 5,540 |
| Loan and lease loss provision to assets | 0.1745% | 4,455 |
| Net operating income to assets | 0.3718% | 4,985 |
| Return on assets (ROA) | 0.3718% | 5,155 |
| Pretax return on assets | 0.6384% | 4,563 |
| Return on Equity (ROE) | 3.4672% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.4672% | 3,750 |
| Net charge-offs to loans | 0.1858% | 4,656 |
| Credit loss provision to net charge-offs | 143.7500% | 2,014 |
| Earnings coverage of net charge-offs (x) | 6.6964% | 2,467 |
| Efficiency ratio | 75.3046% | 3,008 |
| Assets per employee ($millions) | 5.0748% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,640 |
| Loan loss allowance to noncurrent loans | 57.5731% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.9990% | 2,961 |
| Noncurrent loans to loans | 1.9910% | 3,218 |
| Net loans and leases to total assets | 63.1588% | 3,363 |
| Net loans and leases to deposits | 82.8839% | 2,082 |
| Net loans and leases to core deposits | 82.8839% | 3,044 |
| Total domestic deposits to total assets | 76.2015% | 6,456 |
| Equity capital to assets | 11.0941% | 2,896 |
| Core capital (leverage) ratio | 10.9820% | 2,280 |
| Tier 1 risk-based capital ratio | 22.1836% | 1,214 |
| Total risk-based capital ratio | 23.4346% | 1,184 |
| Memoranda: | ||
| Average total assets | $92,265,800 | 5,124 |
| Average earning assets | $87,559,400 | 5,005 |
| Average equity | $9,892,800 | 5,053 |
| Average total loans | $60,266,800 | 4,854 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 1,720 |
| Cost of funding earning assets | 1.8819% | 189 |
| Net interest margin | 3.4570% | 5,368 |
| Noninterest income to average assets | 0.0533% | 6,944 |
| Noninterest expense to average assets | 2.5024% | 5,454 |
| Loan and lease loss provision to assets | 0.1787% | 4,243 |
| Net operating income to assets | 0.3805% | 5,079 |
| Return on assets (ROA) | 0.3805% | 5,265 |
| Pretax return on assets | 0.6530% | 4,638 |
| Return on Equity (ROE) | 3.5799% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.5799% | 4,190 |
| Net charge-offs to loans | 0.3293% | 3,446 |
| Credit loss provision to net charge-offs | 82.6667% | 4,049 |
| Earnings coverage of net charge-offs (x) | 3.8466% | 3,276 |
| Efficiency ratio | 75.0540% | 2,989 |
| Assets per employee ($millions) | 5.1199% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,278 |
| Loan loss allowance to noncurrent loans | 61.2371% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.7730% | 3,441 |
| Noncurrent loans to loans | 1.6298% | 3,855 |
| Net loans and leases to total assets | 63.9341% | 3,319 |
| Net loans and leases to deposits | 83.4622% | 2,099 |
| Net loans and leases to core deposits | 84.0576% | 3,059 |
| Total domestic deposits to total assets | 76.6024% | 6,438 |
| Equity capital to assets | 10.8812% | 3,260 |
| Core capital (leverage) ratio | 10.7960% | 2,575 |
| Tier 1 risk-based capital ratio | 21.5277% | 1,366 |
| Total risk-based capital ratio | 22.7774% | 1,333 |
| Memoranda: | ||
| Average total assets | $92,495,750 | 5,153 |
| Average earning assets | $87,782,000 | 5,037 |
| Average equity | $9,832,500 | 5,085 |
| Average total loans | $60,743,000 | 4,873 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3688% | 1,655 |
| Cost of funding earning assets | 1.8890% | 219 |
| Net interest margin | 3.4798% | 5,249 |
| Noninterest income to average assets | 0.0324% | 7,112 |
| Noninterest expense to average assets | 2.5009% | 5,534 |
| Loan and lease loss provision to assets | 0.1620% | 4,304 |
| Net operating income to assets | 0.3887% | 4,998 |
| Return on assets (ROA) | 0.3887% | 5,137 |
| Pretax return on assets | 0.6716% | 4,491 |
| Return on Equity (ROE) | 3.6858% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.6858% | 3,874 |
| Net charge-offs to loans | 0.3761% | 3,050 |
| Credit loss provision to net charge-offs | 65.2174% | 4,200 |
| Earnings coverage of net charge-offs (x) | 3.3565% | 3,200 |
| Efficiency ratio | 75.0000% | 3,175 |
| Assets per employee ($millions) | 5.4595% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 6,485 |
| Loan loss allowance to noncurrent loans | 58.5267% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 4,085 |
| Noncurrent loans to loans | 1.6397% | 3,949 |
| Net loans and leases to total assets | 64.4945% | 3,360 |
| Net loans and leases to deposits | 84.1861% | 2,082 |
| Net loans and leases to core deposits | 85.9399% | 2,917 |
| Total domestic deposits to total assets | 76.6095% | 6,506 |
| Equity capital to assets | 10.7099% | 3,274 |
| Core capital (leverage) ratio | 10.6291% | 2,589 |
| Tier 1 risk-based capital ratio | 21.1870% | 1,386 |
| Total risk-based capital ratio | 22.4338% | 1,366 |
| Memoranda: | ||
| Average total assets | $92,608,000 | 5,184 |
| Average earning assets | $87,878,000 | 5,069 |
| Average equity | $9,767,330 | 5,108 |
| Average total loans | $61,152,330 | 4,904 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3975% | 1,565 |
| Cost of funding earning assets | 1.9010% | 248 |
| Net interest margin | 3.4965% | 5,031 |
| Noninterest income to average assets | 0.0086% | 7,275 |
| Noninterest expense to average assets | 2.4128% | 5,847 |
| Loan and lease loss provision to assets | 0.1297% | 4,380 |
| Net operating income to assets | 0.4540% | 4,697 |
| Return on assets (ROA) | 0.4540% | 4,786 |
| Pretax return on assets | 0.7826% | 3,964 |
| Return on Equity (ROE) | 4.3384% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.3384% | 3,570 |
| Net charge-offs to loans | 0.5528% | 2,114 |
| Credit loss provision to net charge-offs | 35.2941% | 4,033 |
| Earnings coverage of net charge-offs (x) | 2.4824% | 3,092 |
| Efficiency ratio | 72.5618% | 3,758 |
| Assets per employee ($millions) | 5.1162% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 6,636 |
| Loan loss allowance to noncurrent loans | 78.9106% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 4,312 |
| Noncurrent loans to loans | 1.1725% | 4,741 |
| Net loans and leases to total assets | 65.6963% | 3,092 |
| Net loans and leases to deposits | 85.6591% | 1,784 |
| Net loans and leases to core deposits | 87.4494% | 2,678 |
| Total domestic deposits to total assets | 76.6950% | 6,576 |
| Equity capital to assets | 10.5688% | 3,107 |
| Core capital (leverage) ratio | 10.5620% | 2,544 |
| Tier 1 risk-based capital ratio | 20.9314% | 1,411 |
| Total risk-based capital ratio | 22.1474% | 1,391 |
| Memoranda: | ||
| Average total assets | $92,506,500 | 5,219 |
| Average earning assets | $87,745,000 | 5,099 |
| Average equity | $9,681,000 | 5,122 |
| Average total loans | $61,509,500 | 4,931 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 2,444 |
| Cost of funding earning assets | 2.0168% | 575 |
| Net interest margin | 3.4410% | 5,472 |
| Noninterest income to average assets | 0.0480% | 7,118 |
| Noninterest expense to average assets | 2.5705% | 5,541 |
| Loan and lease loss provision to assets | 0.0782% | 6,376 |
| Net operating income to assets | 0.4172% | 4,476 |
| Return on assets (ROA) | 0.4232% | 4,575 |
| Pretax return on assets | 0.6828% | 4,038 |
| Return on Equity (ROE) | 4.2990% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.2990% | 2,830 |
| Net charge-offs to loans | 0.1749% | 5,274 |
| Credit loss provision to net charge-offs | 67.5676% | 5,918 |
| Earnings coverage of net charge-offs (x) | 6.4955% | 2,345 |
| Efficiency ratio | 77.3768% | 2,813 |
| Assets per employee ($millions) | 5.4659% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,382 |
| Loan loss allowance to noncurrent loans | 71.6763% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.4787% | 4,101 |
| Noncurrent loans to loans | 1.3962% | 4,390 |
| Net loans and leases to total assets | 66.0055% | 3,467 |
| Net loans and leases to deposits | 85.7816% | 2,143 |
| Net loans and leases to core deposits | 87.9339% | 3,064 |
| Total domestic deposits to total assets | 76.9460% | 6,485 |
| Equity capital to assets | 10.3626% | 3,320 |
| Core capital (leverage) ratio | 10.3548% | 2,711 |
| Tier 1 risk-based capital ratio | 20.3567% | 1,424 |
| Total risk-based capital ratio | 21.6072% | 1,402 |
| Memoranda: | ||
| Average total assets | $95,933,000 | 5,103 |
| Average earning assets | $91,282,200 | 4,971 |
| Average equity | $9,444,000 | 5,285 |
| Average total loans | $63,472,800 | 4,930 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4468% | 2,660 |
| Cost of funding earning assets | 2.0295% | 692 |
| Net interest margin | 3.4173% | 5,612 |
| Noninterest income to average assets | 0.0303% | 7,365 |
| Noninterest expense to average assets | 2.4726% | 5,812 |
| Loan and lease loss provision to assets | 0.0841% | 6,196 |
| Net operating income to assets | 0.4637% | 4,471 |
| Return on assets (ROA) | 0.4716% | 4,634 |
| Pretax return on assets | 0.7391% | 4,121 |
| Return on Equity (ROE) | 4.8521% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.8521% | 3,080 |
| Net charge-offs to loans | 0.1712% | 4,938 |
| Credit loss provision to net charge-offs | 74.3902% | 5,304 |
| Earnings coverage of net charge-offs (x) | 7.1708% | 2,377 |
| Efficiency ratio | 75.3045% | 3,080 |
| Assets per employee ($millions) | 5.2302% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,544 |
| Loan loss allowance to noncurrent loans | 151.1222% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 5,301 |
| Noncurrent loans to loans | 0.6332% | 5,941 |
| Net loans and leases to total assets | 66.6231% | 3,544 |
| Net loans and leases to deposits | 85.9863% | 2,348 |
| Net loans and leases to core deposits | 87.7880% | 3,397 |
| Total domestic deposits to total assets | 77.4811% | 6,373 |
| Equity capital to assets | 10.1601% | 3,933 |
| Core capital (leverage) ratio | 10.1524% | 3,094 |
| Tier 1 risk-based capital ratio | 20.0264% | 1,544 |
| Total risk-based capital ratio | 21.2774% | 1,512 |
| Memoranda: | ||
| Average total assets | $96,686,000 | 5,145 |
| Average earning assets | $92,039,250 | 5,008 |
| Average equity | $9,397,750 | 5,377 |
| Average total loans | $63,852,750 | 4,987 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 2,905 |
| Cost of funding earning assets | 2.0261% | 838 |
| Net interest margin | 3.3891% | 5,681 |
| Noninterest income to average assets | 0.0328% | 7,419 |
| Noninterest expense to average assets | 2.3889% | 6,093 |
| Loan and lease loss provision to assets | 0.0964% | 5,950 |
| Net operating income to assets | 0.4921% | 4,367 |
| Return on assets (ROA) | 0.4921% | 4,526 |
| Pretax return on assets | 0.7751% | 3,967 |
| Return on Equity (ROE) | 5.1381% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.1381% | 2,824 |
| Net charge-offs to loans | 0.1187% | 4,992 |
| Credit loss provision to net charge-offs | 123.6842% | 3,271 |
| Earnings coverage of net charge-offs (x) | 11.1842% | 1,795 |
| Efficiency ratio | 73.2704% | 3,602 |
| Assets per employee ($millions) | 5.3897% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 6,653 |
| Loan loss allowance to noncurrent loans | 117.2277% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 5,149 |
| Noncurrent loans to loans | 0.7958% | 5,685 |
| Net loans and leases to total assets | 64.8034% | 4,088 |
| Net loans and leases to deposits | 83.0689% | 3,060 |
| Net loans and leases to core deposits | 84.7405% | 4,031 |
| Total domestic deposits to total assets | 78.0116% | 6,267 |
| Equity capital to assets | 9.7562% | 4,329 |
| Core capital (leverage) ratio | 9.7469% | 3,478 |
| Tier 1 risk-based capital ratio | 19.3714% | 1,632 |
| Total risk-based capital ratio | 20.5843% | 1,609 |
| Memoranda: | ||
| Average total assets | $97,533,670 | 5,153 |
| Average earning assets | $92,886,330 | 5,019 |
| Average equity | $9,342,000 | 5,402 |
| Average total loans | $64,028,000 | 5,016 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 2,935 |
| Cost of funding earning assets | 2.0957% | 823 |
| Net interest margin | 3.3257% | 5,883 |
| Noninterest income to average assets | 0.0532% | 7,451 |
| Noninterest expense to average assets | 2.3519% | 6,241 |
| Loan and lease loss provision to assets | 0.0695% | 5,941 |
| Net operating income to assets | 0.4704% | 4,533 |
| Return on assets (ROA) | 0.4704% | 4,664 |
| Pretax return on assets | 0.8058% | 3,845 |
| Return on Equity (ROE) | 4.9566% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.9566% | 3,183 |
| Net charge-offs to loans | 0.1057% | 4,365 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 12.5882% | 1,556 |
| Efficiency ratio | 72.8771% | 3,780 |
| Assets per employee ($millions) | 5.3926% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 6,798 |
| Loan loss allowance to noncurrent loans | 124.8394% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 5,765 |
| Noncurrent loans to loans | 0.7324% | 5,856 |
| Net loans and leases to total assets | 65.0856% | 4,085 |
| Net loans and leases to deposits | 83.1909% | 3,076 |
| Net loans and leases to core deposits | 84.8535% | 4,076 |
| Total domestic deposits to total assets | 78.2365% | 6,258 |
| Equity capital to assets | 9.6213% | 4,345 |
| Core capital (leverage) ratio | 9.6129% | 3,628 |
| Tier 1 risk-based capital ratio | 18.8572% | 1,752 |
| Total risk-based capital ratio | 20.0356% | 1,738 |
| Memoranda: | ||
| Average total assets | $97,793,000 | 5,213 |
| Average earning assets | $93,334,500 | 5,070 |
| Average equity | $9,280,500 | 5,459 |
| Average total loans | $64,311,500 | 5,070 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7245% | 2,986 |
| Cost of funding earning assets | 2.4390% | 1,190 |
| Net interest margin | 3.2855% | 5,799 |
| Noninterest income to average assets | 0.1065% | 7,230 |
| Noninterest expense to average assets | 2.4608% | 6,266 |
| Loan and lease loss provision to assets | 0.1337% | 6,300 |
| Net operating income to assets | 0.3472% | 4,330 |
| Return on assets (ROA) | 0.3739% | 4,334 |
| Pretax return on assets | 0.6998% | 3,573 |
| Return on Equity (ROE) | 3.9534% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.9534% | 2,433 |
| Net charge-offs to loans | 0.1086% | 6,067 |
| Credit loss provision to net charge-offs | 180.2817% | 2,305 |
| Earnings coverage of net charge-offs (x) | 10.6761% | 1,659 |
| Efficiency ratio | 75.6583% | 3,583 |
| Assets per employee ($millions) | 5.4733% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 6,815 |
| Loan loss allowance to noncurrent loans | 59.0679% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 5,107 |
| Noncurrent loans to loans | 1.5216% | 4,370 |
| Net loans and leases to total assets | 65.2467% | 4,333 |
| Net loans and leases to deposits | 82.8844% | 3,475 |
| Net loans and leases to core deposits | 94.6325% | 4,607 |
| Total domestic deposits to total assets | 78.7201% | 6,055 |
| Equity capital to assets | 9.3605% | 4,616 |
| Core capital (leverage) ratio | 9.3541% | 3,893 |
| Tier 1 risk-based capital ratio | 16.6561% | 2,253 |
| Total risk-based capital ratio | 17.7099% | 2,282 |
| Memoranda: | ||
| Average total assets | $95,740,200 | 5,218 |
| Average earning assets | $91,676,800 | 5,070 |
| Average equity | $9,055,400 | 5,589 |
| Average total loans | $65,356,600 | 5,052 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7875% | 2,945 |
| Cost of funding earning assets | 2.5136% | 1,258 |
| Net interest margin | 3.2738% | 5,735 |
| Noninterest income to average assets | 0.1108% | 7,346 |
| Noninterest expense to average assets | 2.4437% | 6,269 |
| Loan and lease loss provision to assets | 0.1291% | 6,061 |
| Net operating income to assets | 0.3751% | 4,493 |
| Return on assets (ROA) | 0.4110% | 4,457 |
| Pretax return on assets | 0.7295% | 3,762 |
| Return on Equity (ROE) | 4.3340% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.3340% | 2,847 |
| Net charge-offs to loans | 0.0998% | 5,673 |
| Credit loss provision to net charge-offs | 187.7551% | 2,422 |
| Earnings coverage of net charge-offs (x) | 11.6738% | 1,835 |
| Efficiency ratio | 75.2809% | 3,641 |
| Assets per employee ($millions) | 5.3818% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 6,887 |
| Loan loss allowance to noncurrent loans | 58.7810% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 5,074 |
| Noncurrent loans to loans | 1.4790% | 4,455 |
| Net loans and leases to total assets | 66.9753% | 4,192 |
| Net loans and leases to deposits | 85.3327% | 3,445 |
| Net loans and leases to core deposits | 97.8671% | 4,621 |
| Total domestic deposits to total assets | 78.4873% | 5,951 |
| Equity capital to assets | 9.4495% | 4,815 |
| Core capital (leverage) ratio | 9.4457% | 3,986 |
| Tier 1 risk-based capital ratio | 18.0413% | 1,977 |
| Total risk-based capital ratio | 19.1632% | 1,965 |
| Memoranda: | ||
| Average total assets | $95,045,250 | 5,268 |
| Average earning assets | $91,022,250 | 5,129 |
| Average equity | $9,013,750 | 5,656 |
| Average total loans | $65,479,750 | 5,086 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 2,965 |
| Cost of funding earning assets | 2.5736% | 1,362 |
| Net interest margin | 3.2441% | 5,755 |
| Noninterest income to average assets | 0.1186% | 7,395 |
| Noninterest expense to average assets | 2.4461% | 6,312 |
| Loan and lease loss provision to assets | 0.1334% | 5,756 |
| Net operating income to assets | 0.3630% | 4,646 |
| Return on assets (ROA) | 0.4172% | 4,548 |
| Pretax return on assets | 0.7285% | 3,907 |
| Return on Equity (ROE) | 4.3939% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.3939% | 2,856 |
| Net charge-offs to loans | 0.1038% | 5,122 |
| Credit loss provision to net charge-offs | 185.2941% | 2,472 |
| Earnings coverage of net charge-offs (x) | 10.7941% | 1,960 |
| Efficiency ratio | 75.8870% | 3,711 |
| Assets per employee ($millions) | 5.4119% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,970 |
| Loan loss allowance to noncurrent loans | 41.3254% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.3787% | 4,202 |
| Noncurrent loans to loans | 2.0635% | 3,432 |
| Net loans and leases to total assets | 66.2420% | 4,522 |
| Net loans and leases to deposits | 84.5085% | 3,793 |
| Net loans and leases to core deposits | 97.3288% | 4,755 |
| Total domestic deposits to total assets | 78.3850% | 5,976 |
| Equity capital to assets | 9.2995% | 4,870 |
| Core capital (leverage) ratio | 9.2948% | 4,170 |
| Tier 1 risk-based capital ratio | 17.6484% | 2,102 |
| Total risk-based capital ratio | 18.7303% | 2,112 |
| Memoranda: | ||
| Average total assets | $94,436,000 | 5,327 |
| Average earning assets | $90,378,330 | 5,185 |
| Average equity | $8,967,000 | 5,694 |
| Average total loans | $65,489,670 | 5,126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9268% | 2,664 |
| Cost of funding earning assets | 2.6396% | 1,453 |
| Net interest margin | 3.2872% | 5,536 |
| Noninterest income to average assets | 0.1119% | 7,474 |
| Noninterest expense to average assets | 2.3196% | 6,470 |
| Loan and lease loss provision to assets | 0.1334% | 5,254 |
| Net operating income to assets | 0.4507% | 4,650 |
| Return on assets (ROA) | 0.5250% | 4,505 |
| Pretax return on assets | 0.9210% | 3,638 |
| Return on Equity (ROE) | 5.4702% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.4702% | 2,872 |
| Net charge-offs to loans | 0.1035% | 4,143 |
| Credit loss provision to net charge-offs | 182.3529% | 2,385 |
| Earnings coverage of net charge-offs (x) | 12.8235% | 1,769 |
| Efficiency ratio | 71.2021% | 4,322 |
| Assets per employee ($millions) | 5.3018% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 7,069 |
| Loan loss allowance to noncurrent loans | 81.5710% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 5,424 |
| Noncurrent loans to loans | 1.0101% | 4,982 |
| Net loans and leases to total assets | 68.1113% | 4,109 |
| Net loans and leases to deposits | 87.1676% | 3,439 |
| Net loans and leases to core deposits | 100.4233% | 4,502 |
| Total domestic deposits to total assets | 78.1384% | 5,961 |
| Equity capital to assets | 9.4130% | 4,790 |
| Core capital (leverage) ratio | 9.4092% | 4,092 |
| Tier 1 risk-based capital ratio | 17.5780% | 2,165 |
| Total risk-based capital ratio | 18.6351% | 2,162 |
| Memoranda: | ||
| Average total assets | $92,947,000 | 5,400 |
| Average earning assets | $88,951,500 | 5,259 |
| Average equity | $8,921,000 | 5,728 |
| Average total loans | $65,692,500 | 5,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3717% | 3,566 |
| Cost of funding earning assets | 2.8258% | 2,601 |
| Net interest margin | 3.5459% | 5,116 |
| Noninterest income to average assets | 0.1626% | 7,259 |
| Noninterest expense to average assets | 2.5038% | 5,985 |
| Loan and lease loss provision to assets | 0.0648% | 6,581 |
| Net operating income to assets | 0.5818% | 4,387 |
| Return on assets (ROA) | 0.6015% | 4,160 |
| Pretax return on assets | 1.0063% | 3,363 |
| Return on Equity (ROE) | 6.1487% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.1487% | 1,468 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6449% | 4,214 |
| Assets per employee ($millions) | 5.0257% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 7,115 |
| Loan loss allowance to noncurrent loans | 49.9525% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1640% | 3,934 |
| Noncurrent loans to loans | 1.5992% | 3,372 |
| Net loans and leases to total assets | 72.2060% | 3,535 |
| Net loans and leases to deposits | 93.6393% | 2,827 |
| Net loans and leases to core deposits | 108.4619% | 3,915 |
| Total domestic deposits to total assets | 77.1108% | 5,965 |
| Equity capital to assets | 9.7931% | 4,298 |
| Core capital (leverage) ratio | 9.7911% | 3,658 |
| Tier 1 risk-based capital ratio | 17.6543% | 2,133 |
| Total risk-based capital ratio | 18.7028% | 2,133 |
| Memoranda: | ||
| Average total assets | $87,947,200 | 5,423 |
| Average earning assets | $83,870,600 | 5,306 |
| Average equity | $8,603,400 | 5,869 |
| Average total loans | $63,904,200 | 5,101 |