Home > Mutual Savings Bank > Performance and Condition Ratios
Mutual Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 2,194 |
| Cost of funding earning assets | 1.8996% | 1,071 |
| Net interest margin | 3.0418% | 3,199 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.6293% | 1,926 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4739% | 3,727 |
| Return on assets (ROA) | 0.4823% | 3,705 |
| Pretax return on assets | 0.4830% | 3,840 |
| Return on Equity (ROE) | 8.3000% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.2978% | 1,792 |
| Net charge-offs to loans | -0.0011% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.5826% | 745 |
| Assets per employee ($millions) | 6.9497% | 2,108 |
| Cash dividends to net income (ytd only)* | 12.1170% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,032 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.1300% | 2,661 |
| Net loans and leases to deposits | 78.9406% | 2,193 |
| Net loans and leases to core deposits | 88.7950% | 2,129 |
| Total domestic deposits to total assets | 78.7000% | 3,650 |
| Equity capital to assets | 6.0601% | 4,222 |
| Core capital (leverage) ratio | 9.9262% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $297,725,200 | 2,437 |
| Average earning assets | $275,266,200 | 2,435 |
| Average equity | $17,292,800 | 3,072 |
| Average total loans | $186,537,400 | 2,380 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 2,113 |
| Cost of funding earning assets | 1.7769% | 1,049 |
| Net interest margin | 3.0981% | 3,143 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.6691% | 1,741 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.4771% | 3,809 |
| Return on assets (ROA) | 0.4885% | 3,789 |
| Pretax return on assets | 0.4871% | 3,923 |
| Return on Equity (ROE) | 8.5100% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.5915% | 2,107 |
| Net charge-offs to loans | -0.0029% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.3653% | 706 |
| Assets per employee ($millions) | 6.1014% | 2,651 |
| Cash dividends to net income (ytd only)* | 10.7707% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 1,018 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.1100% | 2,549 |
| Net loans and leases to deposits | 81.7503% | 1,920 |
| Net loans and leases to core deposits | 85.9829% | 2,189 |
| Total domestic deposits to total assets | 77.2000% | 3,907 |
| Equity capital to assets | 5.1461% | 4,223 |
| Core capital (leverage) ratio | 10.0199% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3576% | 2,133 |
| Memoranda: | ||
| Average total assets | $293,972,500 | 2,453 |
| Average earning assets | $271,775,500 | 2,461 |
| Average equity | $16,878,000 | 3,091 |
| Average total loans | $183,855,000 | 2,410 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 2,090 |
| Cost of funding earning assets | 1.6190% | 1,018 |
| Net interest margin | 3.1383% | 3,136 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.6896% | 1,667 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.4666% | 3,880 |
| Return on assets (ROA) | 0.4837% | 3,850 |
| Pretax return on assets | 0.4680% | 4,019 |
| Return on Equity (ROE) | 8.1400% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.1378% | 1,918 |
| Net charge-offs to loans | -0.0011% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.4801% | 681 |
| Assets per employee ($millions) | 6.5094% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 1,056 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.5100% | 2,728 |
| Net loans and leases to deposits | 77.8943% | 2,144 |
| Net loans and leases to core deposits | 88.3945% | 1,906 |
| Total domestic deposits to total assets | 77.6900% | 3,882 |
| Equity capital to assets | 5.7795% | 4,206 |
| Core capital (leverage) ratio | 10.2105% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8725% | 1,946 |
| Memoranda: | ||
| Average total assets | $292,307,667 | 2,469 |
| Average earning assets | $270,908,333 | 2,471 |
| Average equity | $17,375,667 | 3,072 |
| Average total loans | $181,262,000 | 2,427 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 2,010 |
| Cost of funding earning assets | 1.4026% | 1,016 |
| Net interest margin | 3.2269% | 3,051 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7111% | 1,644 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5555% | 3,785 |
| Return on assets (ROA) | 0.5871% | 3,681 |
| Pretax return on assets | 0.5969% | 3,847 |
| Return on Equity (ROE) | 9.7300% | 2,866 |
| Retained earnings to average equity (ytd only) | 9.7315% | 1,758 |
| Net charge-offs to loans | -0.0022% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.7145% | 720 |
| Assets per employee ($millions) | 6.4596% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,227 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.4000% | 2,427 |
| Net loans and leases to deposits | 76.4559% | 2,077 |
| Net loans and leases to core deposits | 86.1401% | 1,856 |
| Total domestic deposits to total assets | 81.6200% | 3,543 |
| Equity capital to assets | 6.0784% | 4,173 |
| Core capital (leverage) ratio | 10.4329% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7356% | 2,074 |
| Memoranda: | ||
| Average total assets | $285,489,500 | 2,533 |
| Average earning assets | $264,654,000 | 2,538 |
| Average equity | $17,222,500 | 3,114 |
| Average total loans | $177,873,000 | 2,481 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 2,233 |
| Cost of funding earning assets | 0.4753% | 1,549 |
| Net interest margin | 3.3396% | 2,453 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.7139% | 1,521 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9431% | 2,801 |
| Return on assets (ROA) | 0.9431% | 2,742 |
| Pretax return on assets | 1.0534% | 2,907 |
| Return on Equity (ROE) | 13.2200% | 1,737 |
| Retained earnings to average equity (ytd only) | 12.5522% | 579 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.6101% | 1,482 |
| Assets per employee ($millions) | 6.0934% | 2,690 |
| Cash dividends to net income (ytd only)* | 5.0259% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 2,844 |
| Loan loss allowance to noncurrent loans | 3,732.6923% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,659 |
| Noncurrent loans to loans | 0.0298% | 3,578 |
| Net loans and leases to total assets | 61.5900% | 2,487 |
| Net loans and leases to deposits | 71.6341% | 2,438 |
| Net loans and leases to core deposits | 79.4502% | 2,166 |
| Total domestic deposits to total assets | 85.9800% | 2,730 |
| Equity capital to assets | 5.9851% | 4,094 |
| Core capital (leverage) ratio | 10.6797% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0072% | 1,978 |
| Memoranda: | ||
| Average total assets | $265,812,600 | 2,633 |
| Average earning assets | $249,547,200 | 2,619 |
| Average equity | $18,968,800 | 3,042 |
| Average total loans | $160,593,200 | 2,534 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 2,246 |
| Cost of funding earning assets | 0.3283% | 1,875 |
| Net interest margin | 3.3061% | 2,276 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.7806% | 1,285 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9544% | 2,647 |
| Return on assets (ROA) | 0.9544% | 2,617 |
| Pretax return on assets | 1.0643% | 2,834 |
| Return on Equity (ROE) | 12.8100% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.9483% | 808 |
| Net charge-offs to loans | 0.0017% | 2,242 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 1,060.5000% | 143 |
| Efficiency ratio | 72.0332% | 1,505 |
| Assets per employee ($millions) | 6.1778% | 2,596 |
| Cash dividends to net income (ytd only)* | 6.7200% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,774 |
| Loan loss allowance to noncurrent loans | 3,671.1538% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,756 |
| Noncurrent loans to loans | 0.0314% | 3,672 |
| Net loans and leases to total assets | 60.1600% | 2,485 |
| Net loans and leases to deposits | 66.2172% | 2,702 |
| Net loans and leases to core deposits | 73.7385% | 2,369 |
| Total domestic deposits to total assets | 90.8500% | 1,302 |
| Equity capital to assets | 5.7276% | 4,066 |
| Core capital (leverage) ratio | 11.2909% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1129% | 2,010 |
| Memoranda: | ||
| Average total assets | $261,951,750 | 2,673 |
| Average earning assets | $246,892,250 | 2,651 |
| Average equity | $19,517,000 | 3,037 |
| Average total loans | $157,096,500 | 2,569 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 2,335 |
| Cost of funding earning assets | 0.2660% | 2,073 |
| Net interest margin | 3.1717% | 2,280 |
| Noninterest income to average assets | 0.8119% | 1,015 |
| Noninterest expense to average assets | 2.8446% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8807% | 2,666 |
| Return on assets (ROA) | 0.8807% | 2,639 |
| Pretax return on assets | 0.9727% | 2,819 |
| Return on Equity (ROE) | 10.9346% | 2,001 |
| Retained earnings to average equity (ytd only) | 9.7250% | 1,092 |
| Net charge-offs to loans | 0.0026% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 629.0000% | 217 |
| Efficiency ratio | 74.5189% | 1,454 |
| Assets per employee ($millions) | 6.0664% | 2,683 |
| Cash dividends to net income (ytd only)* | 11.0623% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,039 |
| Loan loss allowance to noncurrent loans | 4,084.7826% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,847 |
| Noncurrent loans to loans | 0.0277% | 3,751 |
| Net loans and leases to total assets | 60.2501% | 2,297 |
| Net loans and leases to deposits | 69.1327% | 2,293 |
| Net loans and leases to core deposits | 76.6244% | 1,964 |
| Total domestic deposits to total assets | 87.1514% | 2,883 |
| Equity capital to assets | 6.1867% | 4,140 |
| Core capital (leverage) ratio | 11.3884% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0116% | 2,052 |
| Memoranda: | ||
| Average total assets | $258,661,333 | 2,721 |
| Average earning assets | $245,103,000 | 2,698 |
| Average equity | $20,833,000 | 2,985 |
| Average total loans | $154,317,667 | 2,604 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2458% | 2,546 |
| Cost of funding earning assets | 0.2296% | 2,404 |
| Net interest margin | 3.0162% | 2,452 |
| Noninterest income to average assets | 0.7841% | 1,080 |
| Noninterest expense to average assets | 2.8819% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7189% | 2,988 |
| Return on assets (ROA) | 0.7189% | 2,979 |
| Pretax return on assets | 0.7857% | 3,151 |
| Return on Equity (ROE) | 7.9281% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.7180% | 2,347 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5776% | 1,264 |
| Assets per employee ($millions) | 5.8097% | 2,990 |
| Cash dividends to net income (ytd only)* | 27.8761% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,655 |
| Loan loss allowance to noncurrent loans | 2,985.7143% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,803 |
| Noncurrent loans to loans | 0.0415% | 3,681 |
| Net loans and leases to total assets | 57.3691% | 2,370 |
| Net loans and leases to deposits | 64.1411% | 2,516 |
| Net loans and leases to core deposits | 73.0089% | 2,019 |
| Total domestic deposits to total assets | 89.4421% | 1,846 |
| Equity capital to assets | 9.2765% | 2,464 |
| Core capital (leverage) ratio | 11.3884% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8963% | 1,840 |
| Memoranda: | ||
| Average total assets | $251,498,500 | 2,777 |
| Average earning assets | $240,436,000 | 2,735 |
| Average equity | $22,805,000 | 2,922 |
| Average total loans | $148,299,500 | 2,653 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 2,867 |
| Cost of funding earning assets | 0.3370% | 2,054 |
| Net interest margin | 3.0877% | 2,949 |
| Noninterest income to average assets | 1.1328% | 819 |
| Noninterest expense to average assets | 3.0642% | 899 |
| Loan and lease loss provision to assets | 0.0393% | 2,253 |
| Net operating income to assets | 0.8478% | 3,195 |
| Return on assets (ROA) | 1.0647% | 2,511 |
| Pretax return on assets | 1.2364% | 2,562 |
| Return on Equity (ROE) | 11.7939% | 1,882 |
| Retained earnings to average equity (ytd only) | 8.7728% | 1,263 |
| Net charge-offs to loans | 0.0007% | 2,671 |
| Credit loss provision to net charge-offs | 9,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 2,342.0000% | 58 |
| Efficiency ratio | 74.9599% | 1,215 |
| Assets per employee ($millions) | 5.8918% | 2,871 |
| Cash dividends to net income (ytd only)* | 25.6158% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,358 |
| Loan loss allowance to noncurrent loans | 793.6709% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 3,251 |
| Noncurrent loans to loans | 0.1637% | 3,122 |
| Net loans and leases to total assets | 59.1376% | 2,255 |
| Net loans and leases to deposits | 66.5294% | 2,460 |
| Net loans and leases to core deposits | 75.5218% | 1,949 |
| Total domestic deposits to total assets | 88.8894% | 1,578 |
| Equity capital to assets | 8.8416% | 3,772 |
| Core capital (leverage) ratio | 8.6140% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8374% | 2,923 |
| Memoranda: | ||
| Average total assets | $228,804,000 | 2,855 |
| Average earning assets | $218,968,600 | 2,818 |
| Average equity | $20,654,800 | 3,162 |
| Average total loans | $141,897,000 | 2,708 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 3,012 |
| Cost of funding earning assets | 0.3680% | 1,956 |
| Net interest margin | 3.0622% | 3,145 |
| Noninterest income to average assets | 1.2002% | 785 |
| Noninterest expense to average assets | 3.0133% | 946 |
| Loan and lease loss provision to assets | 0.0532% | 1,920 |
| Net operating income to assets | 0.9165% | 3,195 |
| Return on assets (ROA) | 1.0543% | 2,784 |
| Pretax return on assets | 1.2251% | 2,850 |
| Return on Equity (ROE) | 11.6149% | 2,173 |
| Retained earnings to average equity (ytd only) | 8.3921% | 1,917 |
| Net charge-offs to loans | -0.0028% | 3,285 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9366% | 1,317 |
| Assets per employee ($millions) | 5.5524% | 3,141 |
| Cash dividends to net income (ytd only)* | 27.7466% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 2,283 |
| Loan loss allowance to noncurrent loans | 1,866.3366% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 3,874 |
| Noncurrent loans to loans | 0.0717% | 3,733 |
| Net loans and leases to total assets | 58.1839% | 2,467 |
| Net loans and leases to deposits | 65.6303% | 2,665 |
| Net loans and leases to core deposits | 70.1367% | 2,580 |
| Total domestic deposits to total assets | 88.6541% | 1,486 |
| Equity capital to assets | 8.9213% | 3,908 |
| Core capital (leverage) ratio | 8.5178% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8493% | 2,995 |
| Memoranda: | ||
| Average total assets | $225,614,500 | 2,902 |
| Average earning assets | $215,962,750 | 2,869 |
| Average equity | $20,479,000 | 3,209 |
| Average total loans | $141,187,500 | 2,749 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 2,993 |
| Cost of funding earning assets | 0.4036% | 1,861 |
| Net interest margin | 3.0606% | 3,145 |
| Noninterest income to average assets | 1.2231% | 778 |
| Noninterest expense to average assets | 3.0999% | 843 |
| Loan and lease loss provision to assets | 0.0814% | 1,495 |
| Net operating income to assets | 0.8507% | 3,363 |
| Return on assets (ROA) | 0.8507% | 3,441 |
| Pretax return on assets | 0.9691% | 3,501 |
| Return on Equity (ROE) | 9.3144% | 3,010 |
| Retained earnings to average equity (ytd only) | 6.6121% | 2,579 |
| Net charge-offs to loans | -0.0042% | 3,382 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6896% | 1,185 |
| Assets per employee ($millions) | 5.1092% | 3,550 |
| Cash dividends to net income (ytd only)* | 29.0117% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,336 |
| Loan loss allowance to noncurrent loans | 1,795.2381% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,947 |
| Noncurrent loans to loans | 0.0735% | 3,818 |
| Net loans and leases to total assets | 61.2769% | 2,269 |
| Net loans and leases to deposits | 69.2630% | 2,489 |
| Net loans and leases to core deposits | 76.7224% | 2,169 |
| Total domestic deposits to total assets | 88.4699% | 1,583 |
| Equity capital to assets | 9.0526% | 3,755 |
| Core capital (leverage) ratio | 8.6517% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0466% | 2,949 |
| Memoranda: | ||
| Average total assets | $221,234,333 | 2,933 |
| Average earning assets | $211,594,667 | 2,892 |
| Average equity | $20,205,333 | 3,223 |
| Average total loans | $141,316,000 | 2,765 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 3,006 |
| Cost of funding earning assets | 0.4227% | 1,915 |
| Net interest margin | 3.0494% | 3,127 |
| Noninterest income to average assets | 1.2651% | 788 |
| Noninterest expense to average assets | 3.1905% | 726 |
| Loan and lease loss provision to assets | 0.0830% | 1,565 |
| Net operating income to assets | 0.7967% | 3,433 |
| Return on assets (ROA) | 0.7967% | 3,503 |
| Pretax return on assets | 0.9055% | 3,585 |
| Return on Equity (ROE) | 8.6828% | 3,135 |
| Retained earnings to average equity (ytd only) | 4.7434% | 3,300 |
| Net charge-offs to loans | -0.0057% | 3,441 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3460% | 1,103 |
| Assets per employee ($millions) | 4.7637% | 3,875 |
| Cash dividends to net income (ytd only)* | 45.3704% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,463 |
| Loan loss allowance to noncurrent loans | 1,701.8519% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,028 |
| Noncurrent loans to loans | 0.0761% | 3,914 |
| Net loans and leases to total assets | 62.5840% | 2,220 |
| Net loans and leases to deposits | 70.5174% | 2,457 |
| Net loans and leases to core deposits | 76.8640% | 2,280 |
| Total domestic deposits to total assets | 88.7497% | 1,466 |
| Equity capital to assets | 8.7416% | 3,922 |
| Core capital (leverage) ratio | 8.9334% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7601% | 2,968 |
| Memoranda: | ||
| Average total assets | $216,895,500 | 2,953 |
| Average earning assets | $207,251,500 | 2,913 |
| Average equity | $19,901,500 | 3,242 |
| Average total loans | $140,590,000 | 2,778 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 3,013 |
| Cost of funding earning assets | 0.5685% | 2,513 |
| Net interest margin | 3.3354% | 2,970 |
| Noninterest income to average assets | 1.6508% | 457 |
| Noninterest expense to average assets | 3.5503% | 648 |
| Loan and lease loss provision to assets | 0.1721% | 2,239 |
| Net operating income to assets | 0.9099% | 2,651 |
| Return on assets (ROA) | 0.9623% | 2,580 |
| Pretax return on assets | 1.1596% | 2,480 |
| Return on Equity (ROE) | 9.9644% | 2,020 |
| Retained earnings to average equity (ytd only) | 7.0118% | 1,393 |
| Net charge-offs to loans | 0.0132% | 2,869 |
| Credit loss provision to net charge-offs | 1,861.1111% | 466 |
| Earnings coverage of net charge-offs (x) | 137.1667% | 620 |
| Efficiency ratio | 73.6752% | 1,487 |
| Assets per employee ($millions) | 4.5629% | 3,857 |
| Cash dividends to net income (ytd only)* | 29.6316% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,484 |
| Loan loss allowance to noncurrent loans | 1,613.5135% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 4,077 |
| Noncurrent loans to loans | 0.0797% | 3,969 |
| Net loans and leases to total assets | 65.4746% | 2,161 |
| Net loans and leases to deposits | 77.5741% | 2,116 |
| Net loans and leases to core deposits | 85.3362% | 1,926 |
| Total domestic deposits to total assets | 84.4027% | 2,981 |
| Equity capital to assets | 9.6386% | 3,468 |
| Core capital (leverage) ratio | 9.1879% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5327% | 2,793 |
| Memoranda: | ||
| Average total assets | $194,630,000 | 2,988 |
| Average earning assets | $184,863,400 | 2,950 |
| Average equity | $18,797,000 | 3,299 |
| Average total loans | $136,706,000 | 2,783 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,029 |
| Cost of funding earning assets | 0.6092% | 2,557 |
| Net interest margin | 3.3708% | 2,997 |
| Noninterest income to average assets | 1.7336% | 390 |
| Noninterest expense to average assets | 3.4902% | 718 |
| Loan and lease loss provision to assets | 0.1923% | 2,062 |
| Net operating income to assets | 1.0223% | 2,248 |
| Return on assets (ROA) | 1.0670% | 2,217 |
| Pretax return on assets | 1.3032% | 2,035 |
| Return on Equity (ROE) | 11.0418% | 1,663 |
| Retained earnings to average equity (ytd only) | 8.5760% | 1,115 |
| Net charge-offs to loans | 0.0186% | 2,483 |
| Credit loss provision to net charge-offs | 1,447.3684% | 630 |
| Earnings coverage of net charge-offs (x) | 108.5263% | 749 |
| Efficiency ratio | 70.7808% | 1,777 |
| Assets per employee ($millions) | 4.3121% | 4,033 |
| Cash dividends to net income (ytd only)* | 22.3314% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.0166% | 1,813 |
| Net loans and leases to deposits | 83.7068% | 1,938 |
| Net loans and leases to core deposits | 92.5053% | 1,752 |
| Total domestic deposits to total assets | 84.8397% | 2,501 |
| Equity capital to assets | 9.7786% | 3,451 |
| Core capital (leverage) ratio | 9.4935% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4921% | 3,037 |
| Memoranda: | ||
| Average total assets | $190,813,750 | 3,005 |
| Average earning assets | $181,001,500 | 2,966 |
| Average equity | $18,438,500 | 3,324 |
| Average total loans | $136,077,750 | 2,796 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,144 |
| Cost of funding earning assets | 0.6631% | 2,608 |
| Net interest margin | 3.4015% | 3,097 |
| Noninterest income to average assets | 1.5423% | 431 |
| Noninterest expense to average assets | 3.3950% | 858 |
| Loan and lease loss provision to assets | 0.1980% | 2,066 |
| Net operating income to assets | 0.9732% | 2,413 |
| Return on assets (ROA) | 1.0425% | 2,309 |
| Pretax return on assets | 1.2555% | 2,168 |
| Return on Equity (ROE) | 10.8351% | 1,691 |
| Retained earnings to average equity (ytd only) | 8.5546% | 1,147 |
| Net charge-offs to loans | 0.0331% | 2,070 |
| Credit loss provision to net charge-offs | 840.9091% | 885 |
| Earnings coverage of net charge-offs (x) | 58.1818% | 989 |
| Efficiency ratio | 71.2489% | 1,793 |
| Assets per employee ($millions) | 4.1088% | 4,196 |
| Cash dividends to net income (ytd only)* | 21.0472% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,645 |
| Loan loss allowance to noncurrent loans | 1,388.1356% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,239 |
| Noncurrent loans to loans | 0.0845% | 4,121 |
| Net loans and leases to total assets | 68.5385% | 2,259 |
| Net loans and leases to deposits | 83.3872% | 2,057 |
| Net loans and leases to core deposits | 92.5064% | 1,862 |
| Total domestic deposits to total assets | 82.1931% | 3,318 |
| Equity capital to assets | 9.5966% | 3,565 |
| Core capital (leverage) ratio | 9.4698% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2591% | 2,898 |
| Memoranda: | ||
| Average total assets | $186,862,333 | 3,025 |
| Average earning assets | $177,039,667 | 2,982 |
| Average equity | $17,978,667 | 3,364 |
| Average total loans | $132,884,333 | 2,828 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 2,575 |
| Cost of funding earning assets | 0.7491% | 2,672 |
| Net interest margin | 3.6628% | 2,459 |
| Noninterest income to average assets | 1.1847% | 621 |
| Noninterest expense to average assets | 3.3625% | 1,123 |
| Loan and lease loss provision to assets | 0.0111% | 3,637 |
| Net operating income to assets | 1.0533% | 1,992 |
| Return on assets (ROA) | 1.0533% | 2,092 |
| Pretax return on assets | 1.2737% | 1,953 |
| Return on Equity (ROE) | 10.9317% | 1,433 |
| Retained earnings to average equity (ytd only) | 9.0134% | 972 |
| Net charge-offs to loans | 0.0803% | 1,224 |
| Credit loss provision to net charge-offs | 19.2308% | 2,206 |
| Earnings coverage of net charge-offs (x) | 22.1923% | 1,364 |
| Efficiency ratio | 72.3527% | 2,030 |
| Assets per employee ($millions) | 3.9020% | 4,048 |
| Cash dividends to net income (ytd only)* | 17.5476% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,110 |
| Loan loss allowance to noncurrent loans | 1,358.8785% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,298 |
| Noncurrent loans to loans | 0.0821% | 4,183 |
| Net loans and leases to total assets | 70.2715% | 2,204 |
| Net loans and leases to deposits | 86.8299% | 1,896 |
| Net loans and leases to core deposits | 96.9736% | 1,720 |
| Total domestic deposits to total assets | 80.9300% | 3,680 |
| Equity capital to assets | 9.3793% | 4,333 |
| Core capital (leverage) ratio | 9.8541% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1053% | 2,649 |
| Memoranda: | ||
| Average total assets | $179,627,500 | 3,048 |
| Average earning assets | $169,815,000 | 3,025 |
| Average equity | $17,307,500 | 3,439 |
| Average total loans | $129,512,500 | 2,838 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 2,979 |
| Cost of funding earning assets | 0.8112% | 2,628 |
| Net interest margin | 3.6804% | 2,869 |
| Noninterest income to average assets | 0.7538% | 1,615 |
| Noninterest expense to average assets | 3.3453% | 1,219 |
| Loan and lease loss provision to assets | 0.0718% | 2,562 |
| Net operating income to assets | 0.6388% | 4,045 |
| Return on assets (ROA) | 0.6393% | 4,110 |
| Pretax return on assets | 0.8138% | 3,942 |
| Return on Equity (ROE) | 6.3747% | 3,793 |
| Retained earnings to average equity (ytd only) | 4.3741% | 2,777 |
| Net charge-offs to loans | -0.0123% | 4,527 |
| Credit loss provision to net charge-offs | -756.2500% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0796% | 1,025 |
| Assets per employee ($millions) | 3.7417% | 4,221 |
| Cash dividends to net income (ytd only)* | 31.3835% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,719 |
| Loan loss allowance to noncurrent loans | 14,750.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,650 |
| Noncurrent loans to loans | 0.0078% | 4,564 |
| Net loans and leases to total assets | 72.3425% | 2,035 |
| Net loans and leases to deposits | 87.2699% | 1,940 |
| Net loans and leases to core deposits | 97.0686% | 1,810 |
| Total domestic deposits to total assets | 82.8951% | 3,235 |
| Equity capital to assets | 9.9021% | 4,008 |
| Core capital (leverage) ratio | 9.7581% | 3,779 |
| Tier 1 risk-based capital ratio | 12.2289% | 4,226 |
| Total risk-based capital ratio | 13.2829% | 4,216 |
| Memoranda: | ||
| Average total assets | $168,476,800 | 3,120 |
| Average earning assets | $159,139,000 | 3,093 |
| Average equity | $16,895,000 | 3,448 |
| Average total loans | $129,608,400 | 2,822 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 3,033 |
| Cost of funding earning assets | 0.7868% | 2,778 |
| Net interest margin | 3.7210% | 2,849 |
| Noninterest income to average assets | 0.6777% | 1,876 |
| Noninterest expense to average assets | 3.3398% | 1,197 |
| Loan and lease loss provision to assets | 0.0968% | 1,975 |
| Net operating income to assets | 0.5907% | 4,319 |
| Return on assets (ROA) | 0.5913% | 4,369 |
| Pretax return on assets | 0.7537% | 4,232 |
| Return on Equity (ROE) | 5.8771% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.1673% | 3,323 |
| Net charge-offs to loans | -0.0216% | 4,600 |
| Credit loss provision to net charge-offs | -576.1905% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7173% | 946 |
| Assets per employee ($millions) | 3.8384% | 4,115 |
| Cash dividends to net income (ytd only)* | 29.0934% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,662 |
| Loan loss allowance to noncurrent loans | 1,644.4444% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,452 |
| Noncurrent loans to loans | 0.0711% | 4,314 |
| Net loans and leases to total assets | 72.3927% | 2,113 |
| Net loans and leases to deposits | 84.8386% | 2,337 |
| Net loans and leases to core deposits | 94.1971% | 2,163 |
| Total domestic deposits to total assets | 85.3299% | 2,284 |
| Equity capital to assets | 9.9939% | 4,024 |
| Core capital (leverage) ratio | 10.1433% | 3,485 |
| Tier 1 risk-based capital ratio | 12.1907% | 4,319 |
| Total risk-based capital ratio | 13.2584% | 4,303 |
| Memoranda: | ||
| Average total assets | $166,630,500 | 3,167 |
| Average earning assets | $157,265,750 | 3,142 |
| Average equity | $16,765,250 | 3,485 |
| Average total loans | $129,836,000 | 2,859 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 3,123 |
| Cost of funding earning assets | 0.7667% | 2,817 |
| Net interest margin | 3.6994% | 2,931 |
| Noninterest income to average assets | 0.6403% | 1,973 |
| Noninterest expense to average assets | 3.2236% | 1,454 |
| Loan and lease loss provision to assets | 0.1470% | 1,253 |
| Net operating income to assets | 0.5908% | 4,331 |
| Return on assets (ROA) | 0.5917% | 4,365 |
| Pretax return on assets | 0.7594% | 4,195 |
| Return on Equity (ROE) | 5.8676% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.2651% | 3,120 |
| Net charge-offs to loans | -0.0290% | 4,667 |
| Credit loss provision to net charge-offs | -636.8421% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0753% | 1,141 |
| Assets per employee ($millions) | 3.8015% | 4,123 |
| Cash dividends to net income (ytd only)* | 27.3101% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,886 |
| Loan loss allowance to noncurrent loans | 1,221.4876% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,404 |
| Noncurrent loans to loans | 0.0928% | 4,269 |
| Net loans and leases to total assets | 75.3775% | 1,651 |
| Net loans and leases to deposits | 92.4802% | 1,436 |
| Net loans and leases to core deposits | 101.0992% | 1,627 |
| Total domestic deposits to total assets | 81.5067% | 3,665 |
| Equity capital to assets | 9.9189% | 4,041 |
| Core capital (leverage) ratio | 10.0903% | 3,506 |
| Tier 1 risk-based capital ratio | 11.7877% | 4,528 |
| Total risk-based capital ratio | 12.8291% | 4,539 |
| Memoranda: | ||
| Average total assets | $164,598,670 | 3,200 |
| Average earning assets | $155,214,330 | 3,178 |
| Average equity | $16,599,670 | 3,506 |
| Average total loans | $130,941,000 | 2,858 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 3,020 |
| Cost of funding earning assets | 0.7559% | 2,765 |
| Net interest margin | 3.7029% | 2,881 |
| Noninterest income to average assets | 0.5354% | 2,365 |
| Noninterest expense to average assets | 3.1804% | 1,543 |
| Loan and lease loss provision to assets | 0.1487% | 1,136 |
| Net operating income to assets | 0.5404% | 4,405 |
| Return on assets (ROA) | 0.5404% | 4,433 |
| Pretax return on assets | 0.6916% | 4,321 |
| Return on Equity (ROE) | 5.3121% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.3121% | 2,771 |
| Net charge-offs to loans | -0.0091% | 4,198 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0999% | 1,149 |
| Assets per employee ($millions) | 3.8075% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,348 |
| Loan loss allowance to noncurrent loans | 1,129.8387% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 3,581 |
| Noncurrent loans to loans | 0.0940% | 4,326 |
| Net loans and leases to total assets | 79.7458% | 873 |
| Net loans and leases to deposits | 100.7788% | 573 |
| Net loans and leases to core deposits | 110.9060% | 881 |
| Total domestic deposits to total assets | 79.1295% | 4,330 |
| Equity capital to assets | 10.1299% | 3,693 |
| Core capital (leverage) ratio | 10.3451% | 3,229 |
| Tier 1 risk-based capital ratio | 11.4448% | 4,769 |
| Total risk-based capital ratio | 12.4111% | 4,813 |
| Memoranda: | ||
| Average total assets | $161,364,500 | 3,284 |
| Average earning assets | $151,881,500 | 3,248 |
| Average equity | $16,415,500 | 3,542 |
| Average total loans | $131,199,500 | 2,889 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 3,067 |
| Cost of funding earning assets | 0.6238% | 2,559 |
| Net interest margin | 3.6874% | 3,087 |
| Noninterest income to average assets | 0.7380% | 1,697 |
| Noninterest expense to average assets | 3.1447% | 1,686 |
| Loan and lease loss provision to assets | 0.1566% | 1,330 |
| Net operating income to assets | 0.7049% | 4,128 |
| Return on assets (ROA) | 0.7038% | 4,133 |
| Pretax return on assets | 0.9101% | 3,869 |
| Return on Equity (ROE) | 6.9536% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.4251% | 1,966 |
| Net charge-offs to loans | 0.0055% | 3,510 |
| Credit loss provision to net charge-offs | 3,471.4286% | 146 |
| Earnings coverage of net charge-offs (x) | 236.7143% | 394 |
| Efficiency ratio | 74.6481% | 1,544 |
| Assets per employee ($millions) | 3.9751% | 3,926 |
| Cash dividends to net income (ytd only)* | 7.6007% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 3,875 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.1905% | 781 |
| Net loans and leases to deposits | 103.6433% | 500 |
| Net loans and leases to core deposits | 112.5852% | 853 |
| Total domestic deposits to total assets | 78.3365% | 4,435 |
| Equity capital to assets | 10.2173% | 3,452 |
| Core capital (leverage) ratio | 10.2959% | 3,249 |
| Tier 1 risk-based capital ratio | 11.5908% | 4,673 |
| Total risk-based capital ratio | 12.5379% | 4,732 |
| Memoranda: | ||
| Average total assets | $155,149,800 | 3,331 |
| Average earning assets | $146,202,200 | 3,300 |
| Average equity | $15,704,000 | 3,547 |
| Average total loans | $126,323,600 | 2,921 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 3,163 |
| Cost of funding earning assets | 0.5852% | 2,583 |
| Net interest margin | 3.6598% | 3,169 |
| Noninterest income to average assets | 0.7532% | 1,662 |
| Noninterest expense to average assets | 3.1814% | 1,566 |
| Loan and lease loss provision to assets | 0.1582% | 1,221 |
| Net operating income to assets | 0.6693% | 4,322 |
| Return on assets (ROA) | 0.6693% | 4,336 |
| Pretax return on assets | 0.8639% | 4,133 |
| Return on Equity (ROE) | 6.6286% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.6286% | 2,318 |
| Net charge-offs to loans | 0.0096% | 3,079 |
| Credit loss provision to net charge-offs | 2,033.3333% | 203 |
| Earnings coverage of net charge-offs (x) | 131.3300% | 619 |
| Efficiency ratio | 75.6840% | 1,391 |
| Assets per employee ($millions) | 4.1614% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,904 |
| Loan loss allowance to noncurrent loans | 3,271.7949% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 3,517 |
| Noncurrent loans to loans | 0.0299% | 4,757 |
| Net loans and leases to total assets | 81.6792% | 764 |
| Net loans and leases to deposits | 104.9885% | 485 |
| Net loans and leases to core deposits | 113.8705% | 826 |
| Total domestic deposits to total assets | 77.7983% | 4,509 |
| Equity capital to assets | 10.0391% | 3,600 |
| Core capital (leverage) ratio | 10.3310% | 3,251 |
| Tier 1 risk-based capital ratio | 11.4852% | 4,794 |
| Total risk-based capital ratio | 12.3933% | 4,871 |
| Memoranda: | ||
| Average total assets | $154,186,000 | 3,369 |
| Average earning assets | $145,357,750 | 3,338 |
| Average equity | $15,568,500 | 3,582 |
| Average total loans | $125,295,750 | 2,964 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 3,218 |
| Cost of funding earning assets | 0.5538% | 2,584 |
| Net interest margin | 3.6126% | 3,265 |
| Noninterest income to average assets | 0.7523% | 1,637 |
| Noninterest expense to average assets | 3.1752% | 1,600 |
| Loan and lease loss provision to assets | 0.1583% | 1,183 |
| Net operating income to assets | 0.6411% | 4,374 |
| Return on assets (ROA) | 0.6411% | 4,382 |
| Pretax return on assets | 0.8242% | 4,180 |
| Return on Equity (ROE) | 6.3363% | 4,127 |
| Retained earnings to average equity (ytd only) | 6.3363% | 2,392 |
| Net charge-offs to loans | 0.0194% | 2,500 |
| Credit loss provision to net charge-offs | 1,008.3333% | 400 |
| Earnings coverage of net charge-offs (x) | 62.5833% | 968 |
| Efficiency ratio | 76.3688% | 1,380 |
| Assets per employee ($millions) | 3.8742% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,143 |
| Loan loss allowance to noncurrent loans | 24,220.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 3,613 |
| Noncurrent loans to loans | 0.0039% | 4,954 |
| Net loans and leases to total assets | 82.0151% | 712 |
| Net loans and leases to deposits | 105.8013% | 447 |
| Net loans and leases to core deposits | 110.2248% | 983 |
| Total domestic deposits to total assets | 77.5181% | 4,662 |
| Equity capital to assets | 10.0949% | 3,543 |
| Core capital (leverage) ratio | 10.4218% | 3,114 |
| Tier 1 risk-based capital ratio | 11.3827% | 4,849 |
| Total risk-based capital ratio | 12.2521% | 4,955 |
| Memoranda: | ||
| Average total assets | $152,870,670 | 3,400 |
| Average earning assets | $144,106,000 | 3,370 |
| Average equity | $15,466,330 | 3,615 |
| Average total loans | $123,582,000 | 2,997 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,430 |
| Cost of funding earning assets | 0.5280% | 2,555 |
| Net interest margin | 3.5199% | 3,461 |
| Noninterest income to average assets | 0.6956% | 1,849 |
| Noninterest expense to average assets | 3.1195% | 1,773 |
| Loan and lease loss provision to assets | 0.1633% | 1,102 |
| Net operating income to assets | 0.5691% | 4,521 |
| Return on assets (ROA) | 0.5691% | 4,523 |
| Pretax return on assets | 0.7324% | 4,345 |
| Return on Equity (ROE) | 5.6186% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.6186% | 2,889 |
| Net charge-offs to loans | 0.0495% | 1,608 |
| Credit loss provision to net charge-offs | 413.3333% | 677 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,397 |
| Efficiency ratio | 77.6903% | 1,381 |
| Assets per employee ($millions) | 3.8169% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 4,260 |
| Loan loss allowance to noncurrent loans | 2,051.7857% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,487 |
| Noncurrent loans to loans | 0.0459% | 4,768 |
| Net loans and leases to total assets | 79.1556% | 1,055 |
| Net loans and leases to deposits | 104.0277% | 475 |
| Net loans and leases to core deposits | 108.0388% | 1,120 |
| Total domestic deposits to total assets | 76.0909% | 4,953 |
| Equity capital to assets | 10.0803% | 3,523 |
| Core capital (leverage) ratio | 10.4441% | 3,014 |
| Tier 1 risk-based capital ratio | 11.6646% | 4,761 |
| Total risk-based capital ratio | 12.5247% | 4,880 |
| Memoranda: | ||
| Average total assets | $151,821,500 | 3,444 |
| Average earning assets | $143,187,500 | 3,415 |
| Average equity | $15,377,500 | 3,659 |
| Average total loans | $121,218,500 | 3,047 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 3,561 |
| Cost of funding earning assets | 0.4423% | 2,854 |
| Net interest margin | 3.5102% | 3,490 |
| Noninterest income to average assets | 0.7918% | 1,598 |
| Noninterest expense to average assets | 3.2012% | 1,607 |
| Loan and lease loss provision to assets | 0.0843% | 2,521 |
| Net operating income to assets | 0.4194% | 4,625 |
| Return on assets (ROA) | 0.4194% | 4,651 |
| Pretax return on assets | 0.7856% | 4,287 |
| Return on Equity (ROE) | 4.0020% | 4,501 |
| Retained earnings to average equity (ytd only) | 2.0241% | 4,105 |
| Net charge-offs to loans | 0.2307% | 1,121 |
| Credit loss provision to net charge-offs | 45.6929% | 3,376 |
| Earnings coverage of net charge-offs (x) | 4.7154% | 3,421 |
| Efficiency ratio | 78.6320% | 1,263 |
| Assets per employee ($millions) | 3.6822% | 4,459 |
| Cash dividends to net income (ytd only)* | 49.4234% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 4,391 |
| Loan loss allowance to noncurrent loans | 103.3771% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 1,412 |
| Noncurrent loans to loans | 0.8851% | 2,010 |
| Net loans and leases to total assets | 79.0467% | 1,111 |
| Net loans and leases to deposits | 105.1409% | 438 |
| Net loans and leases to core deposits | 114.0411% | 795 |
| Total domestic deposits to total assets | 75.1817% | 5,071 |
| Equity capital to assets | 10.1776% | 3,516 |
| Core capital (leverage) ratio | 10.1090% | 3,305 |
| Tier 1 risk-based capital ratio | 12.0970% | 4,466 |
| Total risk-based capital ratio | 12.9646% | 4,589 |
| Memoranda: | ||
| Average total assets | $144,725,000 | 3,544 |
| Average earning assets | $135,207,400 | 3,523 |
| Average equity | $15,167,400 | 3,700 |
| Average total loans | $115,743,000 | 3,112 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,646 |
| Cost of funding earning assets | 0.4176% | 3,012 |
| Net interest margin | 3.4959% | 3,515 |
| Noninterest income to average assets | 0.7804% | 1,663 |
| Noninterest expense to average assets | 3.1264% | 1,733 |
| Loan and lease loss provision to assets | 0.0857% | 2,379 |
| Net operating income to assets | 0.5560% | 4,552 |
| Return on assets (ROA) | 0.5560% | 4,591 |
| Pretax return on assets | 0.8270% | 4,279 |
| Return on Equity (ROE) | 5.2651% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.6193% | 4,321 |
| Net charge-offs to loans | 0.3014% | 697 |
| Credit loss provision to net charge-offs | 35.5212% | 3,036 |
| Earnings coverage of net charge-offs (x) | 3.7838% | 3,297 |
| Efficiency ratio | 77.4037% | 1,406 |
| Assets per employee ($millions) | 3.7541% | 4,368 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,451 |
| Loan loss allowance to noncurrent loans | 101.4085% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0928% | 1,522 |
| Noncurrent loans to loans | 0.9110% | 2,108 |
| Net loans and leases to total assets | 75.2544% | 1,717 |
| Net loans and leases to deposits | 99.5865% | 775 |
| Net loans and leases to core deposits | 107.9034% | 1,142 |
| Total domestic deposits to total assets | 75.5669% | 5,067 |
| Equity capital to assets | 9.9754% | 3,936 |
| Core capital (leverage) ratio | 10.4000% | 3,086 |
| Tier 1 risk-based capital ratio | 12.0367% | 4,582 |
| Total risk-based capital ratio | 12.8833% | 4,749 |
| Memoranda: | ||
| Average total assets | $143,164,000 | 3,598 |
| Average earning assets | $133,446,750 | 3,585 |
| Average equity | $15,118,000 | 3,739 |
| Average total loans | $114,569,250 | 3,156 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 2,924 |
| Cost of funding earning assets | 0.4004% | 3,072 |
| Net interest margin | 3.6732% | 2,744 |
| Noninterest income to average assets | 0.5975% | 2,472 |
| Noninterest expense to average assets | 3.1409% | 1,730 |
| Loan and lease loss provision to assets | 0.0903% | 2,173 |
| Net operating income to assets | 0.5259% | 4,628 |
| Return on assets (ROA) | 0.5259% | 4,658 |
| Pretax return on assets | 0.7709% | 4,370 |
| Return on Equity (ROE) | 4.8805% | 4,523 |
| Retained earnings to average equity (ytd only) | 0.8910% | 4,867 |
| Net charge-offs to loans | 0.4552% | 438 |
| Credit loss provision to net charge-offs | 24.3243% | 2,760 |
| Earnings coverage of net charge-offs (x) | 2.3205% | 3,172 |
| Efficiency ratio | 78.4819% | 1,397 |
| Assets per employee ($millions) | 3.5781% | 4,609 |
| Cash dividends to net income (ytd only)* | 81.7439% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 4,686 |
| Loan loss allowance to noncurrent loans | 100.4780% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 1,476 |
| Noncurrent loans to loans | 0.8840% | 2,206 |
| Net loans and leases to total assets | 81.9358% | 673 |
| Net loans and leases to deposits | 110.9147% | 244 |
| Net loans and leases to core deposits | 115.9208% | 720 |
| Total domestic deposits to total assets | 73.8728% | 5,305 |
| Equity capital to assets | 10.5678% | 3,262 |
| Core capital (leverage) ratio | 10.6352% | 2,773 |
| Tier 1 risk-based capital ratio | 12.2343% | 4,475 |
| Total risk-based capital ratio | 13.0844% | 4,629 |
| Memoranda: | ||
| Average total assets | $139,579,330 | 3,673 |
| Average earning assets | $129,371,000 | 3,652 |
| Average equity | $15,039,330 | 3,756 |
| Average total loans | $113,789,000 | 3,170 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 2,841 |
| Cost of funding earning assets | 0.3796% | 3,208 |
| Net interest margin | 3.6734% | 2,589 |
| Noninterest income to average assets | 0.6212% | 2,313 |
| Noninterest expense to average assets | 3.1812% | 1,663 |
| Loan and lease loss provision to assets | 0.0871% | 2,084 |
| Net operating income to assets | 0.5138% | 4,543 |
| Return on assets (ROA) | 0.5138% | 4,573 |
| Pretax return on assets | 0.7518% | 4,279 |
| Return on Equity (ROE) | 4.7211% | 4,509 |
| Retained earnings to average equity (ytd only) | -3.2808% | 5,278 |
| Net charge-offs to loans | 0.8895% | 189 |
| Credit loss provision to net charge-offs | 12.0968% | 2,213 |
| Earnings coverage of net charge-offs (x) | 1.1653% | 2,754 |
| Efficiency ratio | 79.1336% | 1,473 |
| Assets per employee ($millions) | 3.6818% | 4,532 |
| Cash dividends to net income (ytd only)* | 169.4915% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,682 |
| Loan loss allowance to noncurrent loans | 2,286.6667% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 3,586 |
| Noncurrent loans to loans | 0.0402% | 5,035 |
| Net loans and leases to total assets | 79.3017% | 932 |
| Net loans and leases to deposits | 106.9438% | 286 |
| Net loans and leases to core deposits | 109.1253% | 922 |
| Total domestic deposits to total assets | 74.1527% | 5,404 |
| Equity capital to assets | 10.6747% | 2,987 |
| Core capital (leverage) ratio | 10.8345% | 2,564 |
| Tier 1 risk-based capital ratio | 13.3137% | 3,877 |
| Total risk-based capital ratio | 14.2322% | 3,987 |
| Memoranda: | ||
| Average total assets | $137,807,500 | 3,730 |
| Average earning assets | $127,511,500 | 3,711 |
| Average equity | $14,996,500 | 3,787 |
| Average total loans | $111,523,500 | 3,225 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 3,180 |
| Cost of funding earning assets | 0.3735% | 3,281 |
| Net interest margin | 3.6319% | 2,953 |
| Noninterest income to average assets | 0.7095% | 2,135 |
| Noninterest expense to average assets | 3.2603% | 1,666 |
| Loan and lease loss provision to assets | 0.0046% | 4,262 |
| Net operating income to assets | 0.5606% | 4,386 |
| Return on assets (ROA) | 0.5606% | 4,489 |
| Pretax return on assets | 0.8204% | 4,131 |
| Return on Equity (ROE) | 5.0133% | 4,430 |
| Retained earnings to average equity (ytd only) | 3.1384% | 3,671 |
| Net charge-offs to loans | -0.0028% | 4,742 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8066% | 1,441 |
| Assets per employee ($millions) | 3.6677% | 4,522 |
| Cash dividends to net income (ytd only)* | 37.3984% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,591 |
| Loan loss allowance to noncurrent loans | 274.0659% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 2,475 |
| Noncurrent loans to loans | 0.4097% | 3,679 |
| Net loans and leases to total assets | 80.9255% | 753 |
| Net loans and leases to deposits | 111.0987% | 201 |
| Net loans and leases to core deposits | 113.4727% | 722 |
| Total domestic deposits to total assets | 72.8411% | 5,507 |
| Equity capital to assets | 11.0961% | 2,544 |
| Core capital (leverage) ratio | 11.0031% | 2,330 |
| Tier 1 risk-based capital ratio | 13.8497% | 3,546 |
| Total risk-based capital ratio | 15.0030% | 3,512 |
| Memoranda: | ||
| Average total assets | $131,644,800 | 3,803 |
| Average earning assets | $122,361,800 | 3,786 |
| Average equity | $14,720,800 | 3,850 |
| Average total loans | $105,266,600 | 3,288 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,290 |
| Cost of funding earning assets | 0.3642% | 3,395 |
| Net interest margin | 3.6197% | 3,006 |
| Noninterest income to average assets | 0.6216% | 2,564 |
| Noninterest expense to average assets | 3.2468% | 1,690 |
| Loan and lease loss provision to assets | 0.0020% | 4,170 |
| Net operating income to assets | 0.5124% | 4,651 |
| Return on assets (ROA) | 0.5124% | 4,752 |
| Pretax return on assets | 0.7410% | 4,496 |
| Return on Equity (ROE) | 4.5730% | 4,686 |
| Retained earnings to average equity (ytd only) | 2.0588% | 4,662 |
| Net charge-offs to loans | -0.0116% | 4,820 |
| Credit loss provision to net charge-offs | -22.2222% | 4,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3763% | 1,263 |
| Assets per employee ($millions) | 3.6137% | 4,627 |
| Cash dividends to net income (ytd only)* | 54.9797% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 3,499 |
| Loan loss allowance to noncurrent loans | 242.9961% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 2,511 |
| Noncurrent loans to loans | 0.4764% | 3,586 |
| Net loans and leases to total assets | 79.7634% | 920 |
| Net loans and leases to deposits | 107.5817% | 322 |
| Net loans and leases to core deposits | 109.5903% | 948 |
| Total domestic deposits to total assets | 74.1422% | 5,419 |
| Equity capital to assets | 11.0854% | 2,927 |
| Core capital (leverage) ratio | 10.9754% | 2,475 |
| Tier 1 risk-based capital ratio | 13.9830% | 3,563 |
| Total risk-based capital ratio | 15.1774% | 3,520 |
| Memoranda: | ||
| Average total assets | $130,629,750 | 3,841 |
| Average earning assets | $121,553,000 | 3,821 |
| Average equity | $14,636,500 | 3,893 |
| Average total loans | $103,816,500 | 3,326 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,431 |
| Cost of funding earning assets | 0.3591% | 3,464 |
| Net interest margin | 3.5896% | 3,137 |
| Noninterest income to average assets | 0.5833% | 2,707 |
| Noninterest expense to average assets | 3.2237% | 1,753 |
| Loan and lease loss provision to assets | 0.0015% | 4,001 |
| Net operating income to assets | 0.4907% | 4,714 |
| Return on assets (ROA) | 0.4907% | 4,816 |
| Pretax return on assets | 0.7052% | 4,602 |
| Return on Equity (ROE) | 4.3637% | 4,769 |
| Retained earnings to average equity (ytd only) | 0.5763% | 5,135 |
| Net charge-offs to loans | -0.0078% | 4,631 |
| Credit loss provision to net charge-offs | -25.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0181% | 1,266 |
| Assets per employee ($millions) | 3.5708% | 4,648 |
| Cash dividends to net income (ytd only)* | 86.7925% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 3,460 |
| Loan loss allowance to noncurrent loans | 211.3946% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 2,357 |
| Noncurrent loans to loans | 0.5586% | 3,392 |
| Net loans and leases to total assets | 78.7290% | 1,112 |
| Net loans and leases to deposits | 106.4396% | 352 |
| Net loans and leases to core deposits | 107.0597% | 1,100 |
| Total domestic deposits to total assets | 73.9659% | 5,525 |
| Equity capital to assets | 11.0794% | 2,971 |
| Core capital (leverage) ratio | 10.9815% | 2,448 |
| Tier 1 risk-based capital ratio | 14.4548% | 3,344 |
| Total risk-based capital ratio | 15.7066% | 3,273 |
| Memoranda: | ||
| Average total assets | $129,603,670 | 3,897 |
| Average earning assets | $120,848,000 | 3,862 |
| Average equity | $14,574,670 | 3,915 |
| Average total loans | $102,455,670 | 3,363 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 3,449 |
| Cost of funding earning assets | 0.3538% | 3,561 |
| Net interest margin | 3.5817% | 3,155 |
| Noninterest income to average assets | 0.6825% | 2,122 |
| Noninterest expense to average assets | 3.2537% | 1,712 |
| Loan and lease loss provision to assets | 0.0031% | 3,626 |
| Net operating income to assets | 0.5298% | 4,506 |
| Return on assets (ROA) | 0.5298% | 4,614 |
| Pretax return on assets | 0.7698% | 4,306 |
| Return on Equity (ROE) | 4.6758% | 4,638 |
| Retained earnings to average equity (ytd only) | -2.9155% | 5,464 |
| Net charge-offs to loans | -0.0040% | 4,233 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8050% | 1,506 |
| Assets per employee ($millions) | 3.1668% | 5,322 |
| Cash dividends to net income (ytd only)* | 162.3529% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 3,413 |
| Loan loss allowance to noncurrent loans | 1,746.4789% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 3,300 |
| Noncurrent loans to loans | 0.0694% | 5,201 |
| Net loans and leases to total assets | 77.8943% | 1,121 |
| Net loans and leases to deposits | 103.5189% | 436 |
| Net loans and leases to core deposits | 104.3714% | 1,169 |
| Total domestic deposits to total assets | 75.2465% | 5,493 |
| Equity capital to assets | 11.1599% | 2,762 |
| Core capital (leverage) ratio | 11.2634% | 2,175 |
| Tier 1 risk-based capital ratio | 15.2845% | 3,023 |
| Total risk-based capital ratio | 16.5355% | 2,968 |
| Memoranda: | ||
| Average total assets | $128,346,000 | 3,941 |
| Average earning assets | $119,831,000 | 3,910 |
| Average equity | $14,543,000 | 3,925 |
| Average total loans | $101,054,000 | 3,402 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,709 |
| Cost of funding earning assets | 0.3606% | 3,576 |
| Net interest margin | 3.5378% | 3,386 |
| Noninterest income to average assets | 0.3885% | 4,120 |
| Noninterest expense to average assets | 3.3227% | 1,669 |
| Loan and lease loss provision to assets | -0.3204% | 6,074 |
| Net operating income to assets | 0.4806% | 4,764 |
| Return on assets (ROA) | 0.4806% | 4,851 |
| Pretax return on assets | 0.7185% | 4,475 |
| Return on Equity (ROE) | 3.9092% | 4,985 |
| Retained earnings to average equity (ytd only) | -5.9745% | 5,956 |
| Net charge-offs to loans | -0.1008% | 5,775 |
| Credit loss provision to net charge-offs | 408.1633% | 747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3003% | 737 |
| Assets per employee ($millions) | 3.6243% | 4,601 |
| Cash dividends to net income (ytd only)* | 252.8333% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 3,237 |
| Loan loss allowance to noncurrent loans | 1,719.4444% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 3,076 |
| Noncurrent loans to loans | 0.0722% | 5,216 |
| Net loans and leases to total assets | 77.6432% | 1,175 |
| Net loans and leases to deposits | 102.5670% | 513 |
| Net loans and leases to core deposits | 103.1730% | 1,285 |
| Total domestic deposits to total assets | 75.7000% | 5,480 |
| Equity capital to assets | 11.5063% | 2,354 |
| Core capital (leverage) ratio | 11.6771% | 1,831 |
| Tier 1 risk-based capital ratio | 12.0492% | 4,918 |
| Total risk-based capital ratio | 13.0712% | 4,976 |
| Memoranda: | ||
| Average total assets | $124,836,600 | 3,989 |
| Average earning assets | $117,586,000 | 3,932 |
| Average equity | $15,348,600 | 3,777 |
| Average total loans | $97,195,000 | 3,432 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 3,874 |
| Cost of funding earning assets | 0.3634% | 3,619 |
| Net interest margin | 3.5022% | 3,522 |
| Noninterest income to average assets | 0.2756% | 4,969 |
| Noninterest expense to average assets | 3.3136% | 1,660 |
| Loan and lease loss provision to assets | -0.4289% | 6,190 |
| Net operating income to assets | 0.4515% | 4,964 |
| Return on assets (ROA) | 0.4515% | 5,055 |
| Pretax return on assets | 0.6981% | 4,685 |
| Return on Equity (ROE) | 3.6129% | 5,179 |
| Retained earnings to average equity (ytd only) | 1.5104% | 5,112 |
| Net charge-offs to loans | -0.1339% | 5,890 |
| Credit loss provision to net charge-offs | 412.3711% | 745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4873% | 543 |
| Assets per employee ($millions) | 3.7009% | 4,444 |
| Cash dividends to net income (ytd only)* | 58.1950% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,389 |
| Loan loss allowance to noncurrent loans | 958.9147% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 2,826 |
| Noncurrent loans to loans | 0.1300% | 5,111 |
| Net loans and leases to total assets | 77.8573% | 1,122 |
| Net loans and leases to deposits | 103.3276% | 484 |
| Net loans and leases to core deposits | 103.9449% | 1,234 |
| Total domestic deposits to total assets | 75.3499% | 5,591 |
| Equity capital to assets | 12.4685% | 1,761 |
| Core capital (leverage) ratio | 12.1417% | 1,599 |
| Tier 1 risk-based capital ratio | 16.3855% | 2,629 |
| Total risk-based capital ratio | 17.6419% | 2,575 |
| Memoranda: | ||
| Average total assets | $124,332,750 | 4,033 |
| Average earning assets | $117,409,750 | 3,973 |
| Average equity | $15,536,750 | 3,794 |
| Average total loans | $96,561,250 | 3,478 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,984 |
| Cost of funding earning assets | 0.3711% | 3,588 |
| Net interest margin | 3.4518% | 3,699 |
| Noninterest income to average assets | 0.5830% | 2,835 |
| Noninterest expense to average assets | 3.1801% | 2,034 |
| Loan and lease loss provision to assets | 0.0032% | 4,023 |
| Net operating income to assets | 0.4328% | 5,028 |
| Return on assets (ROA) | 0.4328% | 5,125 |
| Pretax return on assets | 0.6751% | 4,734 |
| Return on Equity (ROE) | 3.4612% | 5,249 |
| Retained earnings to average equity (ytd only) | 0.2970% | 5,417 |
| Net charge-offs to loans | -0.1860% | 6,002 |
| Credit loss provision to net charge-offs | -2.2472% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4194% | 1,436 |
| Assets per employee ($millions) | 2.9935% | 5,602 |
| Cash dividends to net income (ytd only)* | 91.4179% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 1,608 |
| Loan loss allowance to noncurrent loans | 1,052.2581% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 3,707 |
| Noncurrent loans to loans | 0.1613% | 5,116 |
| Net loans and leases to total assets | 76.9901% | 1,219 |
| Net loans and leases to deposits | 99.8173% | 678 |
| Net loans and leases to core deposits | 100.4144% | 1,459 |
| Total domestic deposits to total assets | 77.1310% | 5,438 |
| Equity capital to assets | 12.6583% | 1,573 |
| Core capital (leverage) ratio | 11.9498% | 1,690 |
| Tier 1 risk-based capital ratio | 16.6238% | 2,553 |
| Total risk-based capital ratio | 17.8860% | 2,501 |
| Memoranda: | ||
| Average total assets | $123,834,000 | 4,078 |
| Average earning assets | $117,503,000 | 4,000 |
| Average equity | $15,486,000 | 3,816 |
| Average total loans | $95,680,330 | 3,518 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 3,980 |
| Cost of funding earning assets | 0.3730% | 3,616 |
| Net interest margin | 3.4351% | 3,689 |
| Noninterest income to average assets | 0.6657% | 2,331 |
| Noninterest expense to average assets | 3.2255% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4534% | 4,856 |
| Return on assets (ROA) | 0.4534% | 4,972 |
| Pretax return on assets | 0.6978% | 4,598 |
| Return on Equity (ROE) | 3.6479% | 5,127 |
| Retained earnings to average equity (ytd only) | -2.6906% | 5,765 |
| Net charge-offs to loans | -0.3646% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2131% | 1,591 |
| Assets per employee ($millions) | 3.0595% | 5,595 |
| Cash dividends to net income (ytd only)* | 173.7589% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,741 |
| Loan loss allowance to noncurrent loans | 1,114.3836% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 3,846 |
| Noncurrent loans to loans | 0.1525% | 5,233 |
| Net loans and leases to total assets | 75.0432% | 1,346 |
| Net loans and leases to deposits | 97.8016% | 691 |
| Net loans and leases to core deposits | 98.8990% | 1,401 |
| Total domestic deposits to total assets | 76.7301% | 5,658 |
| Equity capital to assets | 12.2839% | 1,828 |
| Core capital (leverage) ratio | 11.9495% | 1,672 |
| Tier 1 risk-based capital ratio | 18.6365% | 1,962 |
| Total risk-based capital ratio | 18.6365% | 2,301 |
| Memoranda: | ||
| Average total assets | $124,384,000 | 4,096 |
| Average earning assets | $117,960,000 | 4,020 |
| Average equity | $15,461,000 | 3,841 |
| Average total loans | $95,458,500 | 3,534 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,962 |
| Cost of funding earning assets | 0.4270% | 3,417 |
| Net interest margin | 3.5147% | 3,736 |
| Noninterest income to average assets | 0.5704% | 3,050 |
| Noninterest expense to average assets | 3.3647% | 1,776 |
| Loan and lease loss provision to assets | -0.0936% | 6,134 |
| Net operating income to assets | 0.3702% | 5,326 |
| Return on assets (ROA) | 0.3702% | 5,394 |
| Pretax return on assets | 0.6144% | 4,896 |
| Return on Equity (ROE) | 2.9635% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.1203% | 5,273 |
| Net charge-offs to loans | 0.3518% | 1,244 |
| Credit loss provision to net charge-offs | -34.0237% | 5,387 |
| Earnings coverage of net charge-offs (x) | 1.8935% | 4,313 |
| Efficiency ratio | 86.2827% | 1,136 |
| Assets per employee ($millions) | 3.5236% | 4,865 |
| Cash dividends to net income (ytd only)* | 62.1978% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 2,035 |
| Loan loss allowance to noncurrent loans | 542.2535% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 3,923 |
| Noncurrent loans to loans | 0.2985% | 4,776 |
| Net loans and leases to total assets | 75.9080% | 1,282 |
| Net loans and leases to deposits | 99.8453% | 631 |
| Net loans and leases to core deposits | 100.9936% | 1,319 |
| Total domestic deposits to total assets | 76.0255% | 5,723 |
| Equity capital to assets | 12.5788% | 1,595 |
| Core capital (leverage) ratio | 11.8640% | 1,727 |
| Tier 1 risk-based capital ratio | 17.2243% | 2,413 |
| Total risk-based capital ratio | 18.4818% | 2,366 |
| Memoranda: | ||
| Average total assets | $122,893,600 | 4,125 |
| Average earning assets | $115,913,600 | 4,052 |
| Average equity | $15,353,600 | 3,770 |
| Average total loans | $96,086,800 | 3,499 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 3,944 |
| Cost of funding earning assets | 0.4379% | 3,387 |
| Net interest margin | 3.5182% | 3,761 |
| Noninterest income to average assets | 0.5907% | 2,926 |
| Noninterest expense to average assets | 3.4216% | 1,610 |
| Loan and lease loss provision to assets | 0.0033% | 4,344 |
| Net operating income to assets | 0.2888% | 5,626 |
| Return on assets (ROA) | 0.2888% | 5,694 |
| Pretax return on assets | 0.4810% | 5,379 |
| Return on Equity (ROE) | 2.3160% | 5,757 |
| Retained earnings to average equity (ytd only) | -0.0870% | 5,809 |
| Net charge-offs to loans | 0.1578% | 2,228 |
| Credit loss provision to net charge-offs | 2.6316% | 3,781 |
| Earnings coverage of net charge-offs (x) | 3.9122% | 3,571 |
| Efficiency ratio | 87.1838% | 1,082 |
| Assets per employee ($millions) | 3.2573% | 5,316 |
| Cash dividends to net income (ytd only)* | 103.7585% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 1,296 |
| Loan loss allowance to noncurrent loans | 190.2932% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 3,308 |
| Noncurrent loans to loans | 1.0392% | 2,996 |
| Net loans and leases to total assets | 75.3658% | 1,313 |
| Net loans and leases to deposits | 99.8309% | 622 |
| Net loans and leases to core deposits | 100.9807% | 1,295 |
| Total domestic deposits to total assets | 75.4934% | 5,872 |
| Equity capital to assets | 12.3979% | 1,775 |
| Core capital (leverage) ratio | 11.8275% | 1,813 |
| Tier 1 risk-based capital ratio | 17.1846% | 2,534 |
| Total risk-based capital ratio | 18.4466% | 2,491 |
| Memoranda: | ||
| Average total assets | $122,785,250 | 4,162 |
| Average earning assets | $115,701,250 | 4,099 |
| Average equity | $15,313,750 | 3,801 |
| Average total loans | $96,319,750 | 3,519 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,836 |
| Cost of funding earning assets | 0.4568% | 3,242 |
| Net interest margin | 3.5190% | 3,703 |
| Noninterest income to average assets | 0.5618% | 3,037 |
| Noninterest expense to average assets | 3.4576% | 1,559 |
| Loan and lease loss provision to assets | 0.0033% | 4,150 |
| Net operating income to assets | 0.2483% | 5,720 |
| Return on assets (ROA) | 0.2483% | 5,792 |
| Pretax return on assets | 0.4099% | 5,527 |
| Return on Equity (ROE) | 1.9865% | 5,838 |
| Retained earnings to average equity (ytd only) | -1.6337% | 5,940 |
| Net charge-offs to loans | 0.2378% | 1,624 |
| Credit loss provision to net charge-offs | 1.7391% | 3,389 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,610 |
| Efficiency ratio | 89.0717% | 987 |
| Assets per employee ($millions) | 2.9696% | 5,796 |
| Cash dividends to net income (ytd only)* | 182.2368% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 1,443 |
| Loan loss allowance to noncurrent loans | 189.7074% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 3,263 |
| Noncurrent loans to loans | 1.0312% | 3,174 |
| Net loans and leases to total assets | 77.3860% | 993 |
| Net loans and leases to deposits | 102.8333% | 406 |
| Net loans and leases to core deposits | 103.7426% | 1,039 |
| Total domestic deposits to total assets | 75.2538% | 6,001 |
| Equity capital to assets | 12.5090% | 1,635 |
| Core capital (leverage) ratio | 11.5834% | 1,938 |
| Tier 1 risk-based capital ratio | 16.9191% | 2,654 |
| Total risk-based capital ratio | 18.1819% | 2,610 |
| Memoranda: | ||
| Average total assets | $122,454,000 | 4,187 |
| Average earning assets | $115,146,670 | 4,122 |
| Average equity | $15,303,000 | 3,801 |
| Average total loans | $96,703,330 | 3,523 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,620 |
| Cost of funding earning assets | 0.4963% | 2,943 |
| Net interest margin | 3.5190% | 3,609 |
| Noninterest income to average assets | 0.4951% | 3,448 |
| Noninterest expense to average assets | 3.4363% | 1,617 |
| Loan and lease loss provision to assets | 0.0098% | 3,700 |
| Net operating income to assets | 0.2150% | 5,756 |
| Return on assets (ROA) | 0.2150% | 5,811 |
| Pretax return on assets | 0.3518% | 5,591 |
| Return on Equity (ROE) | 1.7210% | 5,866 |
| Retained earnings to average equity (ytd only) | -0.7823% | 5,694 |
| Net charge-offs to loans | -0.0041% | 4,786 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2230% | 1,014 |
| Assets per employee ($millions) | 2.9013% | 5,977 |
| Cash dividends to net income (ytd only)* | 145.4545% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 1,358 |
| Loan loss allowance to noncurrent loans | 531.1170% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 3,494 |
| Noncurrent loans to loans | 0.3924% | 4,955 |
| Net loans and leases to total assets | 76.9933% | 884 |
| Net loans and leases to deposits | 102.3543% | 355 |
| Net loans and leases to core deposits | 103.2577% | 903 |
| Total domestic deposits to total assets | 75.2224% | 6,137 |
| Equity capital to assets | 12.5763% | 1,537 |
| Core capital (leverage) ratio | 11.5282% | 1,946 |
| Tier 1 risk-based capital ratio | 17.6714% | 2,425 |
| Total risk-based capital ratio | 18.9367% | 2,388 |
| Memoranda: | ||
| Average total assets | $122,805,000 | 4,218 |
| Average earning assets | $115,260,000 | 4,154 |
| Average equity | $15,339,500 | 3,803 |
| Average total loans | $97,005,500 | 3,534 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 3,720 |
| Cost of funding earning assets | 0.5908% | 2,750 |
| Net interest margin | 3.5143% | 3,832 |
| Noninterest income to average assets | 0.5808% | 3,206 |
| Noninterest expense to average assets | 3.3925% | 1,900 |
| Loan and lease loss provision to assets | 0.0095% | 4,935 |
| Net operating income to assets | 0.2853% | 5,570 |
| Return on assets (ROA) | 0.2853% | 5,666 |
| Pretax return on assets | 0.4741% | 5,283 |
| Return on Equity (ROE) | 2.3653% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.3104% | 5,241 |
| Net charge-offs to loans | 0.2695% | 2,354 |
| Credit loss provision to net charge-offs | 4.4776% | 4,655 |
| Earnings coverage of net charge-offs (x) | 2.2836% | 4,253 |
| Efficiency ratio | 87.2783% | 1,292 |
| Assets per employee ($millions) | 2.9465% | 5,911 |
| Cash dividends to net income (ytd only)* | 44.5983% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0297% | 1,490 |
| Loan loss allowance to noncurrent loans | 430.4536% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 3,677 |
| Noncurrent loans to loans | 0.4715% | 4,818 |
| Net loans and leases to total assets | 77.7349% | 856 |
| Net loans and leases to deposits | 106.3642% | 251 |
| Net loans and leases to core deposits | 107.7956% | 708 |
| Total domestic deposits to total assets | 73.0837% | 6,348 |
| Equity capital to assets | 12.4069% | 1,563 |
| Core capital (leverage) ratio | 11.1199% | 2,270 |
| Tier 1 risk-based capital ratio | 17.2090% | 2,521 |
| Total risk-based capital ratio | 18.4741% | 2,492 |
| Memoranda: | ||
| Average total assets | $126,544,000 | 4,135 |
| Average earning assets | $118,658,800 | 4,070 |
| Average equity | $15,262,400 | 3,819 |
| Average total loans | $99,443,200 | 3,458 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 3,673 |
| Cost of funding earning assets | 0.5935% | 2,865 |
| Net interest margin | 3.5285% | 3,761 |
| Noninterest income to average assets | 0.5962% | 3,169 |
| Noninterest expense to average assets | 3.3164% | 2,032 |
| Loan and lease loss provision to assets | 0.0126% | 4,751 |
| Net operating income to assets | 0.3458% | 5,450 |
| Return on assets (ROA) | 0.3458% | 5,575 |
| Pretax return on assets | 0.5753% | 5,111 |
| Return on Equity (ROE) | 2.8872% | 5,645 |
| Retained earnings to average equity (ytd only) | 1.8110% | 5,232 |
| Net charge-offs to loans | 0.0615% | 4,022 |
| Credit loss provision to net charge-offs | 26.0870% | 3,967 |
| Earnings coverage of net charge-offs (x) | 12.1960% | 2,162 |
| Efficiency ratio | 84.7021% | 1,514 |
| Assets per employee ($millions) | 3.0212% | 5,811 |
| Cash dividends to net income (ytd only)* | 37.2736% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2086% | 1,314 |
| Loan loss allowance to noncurrent loans | 491.1308% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 3,876 |
| Noncurrent loans to loans | 0.4497% | 5,073 |
| Net loans and leases to total assets | 77.2914% | 834 |
| Net loans and leases to deposits | 107.1471% | 210 |
| Net loans and leases to core deposits | 108.5705% | 645 |
| Total domestic deposits to total assets | 72.1357% | 6,482 |
| Equity capital to assets | 12.1050% | 1,857 |
| Core capital (leverage) ratio | 11.0806% | 2,403 |
| Tier 1 risk-based capital ratio | 16.8815% | 2,761 |
| Total risk-based capital ratio | 18.1486% | 2,713 |
| Memoranda: | ||
| Average total assets | $127,241,500 | 4,172 |
| Average earning assets | $119,293,750 | 4,108 |
| Average equity | $15,239,500 | 3,870 |
| Average total loans | $99,755,750 | 3,484 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 3,612 |
| Cost of funding earning assets | 0.5965% | 2,971 |
| Net interest margin | 3.5374% | 3,623 |
| Noninterest income to average assets | 0.5920% | 3,239 |
| Noninterest expense to average assets | 3.2569% | 2,199 |
| Loan and lease loss provision to assets | 0.0157% | 4,579 |
| Net operating income to assets | 0.3816% | 5,287 |
| Return on assets (ROA) | 0.3816% | 5,452 |
| Pretax return on assets | 0.6344% | 4,899 |
| Return on Equity (ROE) | 3.1975% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.0790% | 4,952 |
| Net charge-offs to loans | 0.1105% | 3,253 |
| Credit loss provision to net charge-offs | 18.1818% | 3,759 |
| Earnings coverage of net charge-offs (x) | 7.5273% | 2,535 |
| Efficiency ratio | 83.1190% | 1,739 |
| Assets per employee ($millions) | 3.0789% | 5,721 |
| Cash dividends to net income (ytd only)* | 34.9794% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 1,426 |
| Loan loss allowance to noncurrent loans | 583.0688% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 4,167 |
| Noncurrent loans to loans | 0.3770% | 5,335 |
| Net loans and leases to total assets | 75.8400% | 1,000 |
| Net loans and leases to deposits | 104.1082% | 262 |
| Net loans and leases to core deposits | 105.7609% | 747 |
| Total domestic deposits to total assets | 72.8473% | 6,512 |
| Equity capital to assets | 11.8403% | 2,014 |
| Core capital (leverage) ratio | 11.1015% | 2,261 |
| Tier 1 risk-based capital ratio | 16.6873% | 2,845 |
| Total risk-based capital ratio | 17.9541% | 2,809 |
| Memoranda: | ||
| Average total assets | $127,358,670 | 4,197 |
| Average earning assets | $119,353,000 | 4,133 |
| Average equity | $15,199,330 | 3,908 |
| Average total loans | $99,577,670 | 3,500 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,465 |
| Cost of funding earning assets | 0.6123% | 2,990 |
| Net interest margin | 3.5487% | 3,482 |
| Noninterest income to average assets | 0.4906% | 3,839 |
| Noninterest expense to average assets | 3.4182% | 1,787 |
| Loan and lease loss provision to assets | 0.0285% | 4,105 |
| Net operating income to assets | 0.2184% | 5,827 |
| Return on assets (ROA) | 0.2184% | 5,950 |
| Pretax return on assets | 0.3640% | 5,663 |
| Return on Equity (ROE) | 1.8226% | 5,997 |
| Retained earnings to average equity (ytd only) | -0.4226% | 5,864 |
| Net charge-offs to loans | 0.2620% | 1,909 |
| Credit loss provision to net charge-offs | 13.8462% | 3,110 |
| Earnings coverage of net charge-offs (x) | 1.9077% | 3,200 |
| Efficiency ratio | 89.4518% | 1,190 |
| Assets per employee ($millions) | 2.9752% | 6,033 |
| Cash dividends to net income (ytd only)* | 123.1884% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2097% | 1,566 |
| Loan loss allowance to noncurrent loans | 524.6411% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 4,039 |
| Noncurrent loans to loans | 0.4212% | 5,365 |
| Net loans and leases to total assets | 77.6683% | 648 |
| Net loans and leases to deposits | 107.8212% | 163 |
| Net loans and leases to core deposits | 108.6662% | 541 |
| Total domestic deposits to total assets | 72.0344% | 6,655 |
| Equity capital to assets | 12.1130% | 1,963 |
| Core capital (leverage) ratio | 11.1181% | 2,162 |
| Tier 1 risk-based capital ratio | 16.8349% | 2,840 |
| Total risk-based capital ratio | 18.1025% | 2,798 |
| Memoranda: | ||
| Average total assets | $126,381,500 | 4,255 |
| Average earning assets | $118,239,500 | 4,190 |
| Average equity | $15,143,500 | 3,966 |
| Average total loans | $99,229,000 | 3,528 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 2,996 |
| Cost of funding earning assets | 0.7371% | 3,190 |
| Net interest margin | 3.8645% | 2,972 |
| Noninterest income to average assets | 0.7132% | 2,652 |
| Noninterest expense to average assets | 3.6545% | 1,495 |
| Loan and lease loss provision to assets | 0.2431% | 2,709 |
| Net operating income to assets | 0.2480% | 5,640 |
| Return on assets (ROA) | 0.2480% | 5,840 |
| Pretax return on assets | 0.4139% | 5,535 |
| Return on Equity (ROE) | 2.0900% | 5,872 |
| Retained earnings to average equity (ytd only) | 0.5208% | 5,587 |
| Net charge-offs to loans | 0.6024% | 1,928 |
| Credit loss provision to net charge-offs | 50.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.3512% | 4,781 |
| Efficiency ratio | 84.5341% | 1,568 |
| Assets per employee ($millions) | 3.0430% | 5,949 |
| Cash dividends to net income (ytd only)* | 75.0820% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2668% | 1,424 |
| Loan loss allowance to noncurrent loans | 400.1779% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 4,066 |
| Noncurrent loans to loans | 0.5665% | 5,117 |
| Net loans and leases to total assets | 75.8681% | 931 |
| Net loans and leases to deposits | 106.7827% | 209 |
| Net loans and leases to core deposits | 107.6170% | 624 |
| Total domestic deposits to total assets | 71.0491% | 6,741 |
| Equity capital to assets | 11.8547% | 2,141 |
| Core capital (leverage) ratio | 10.9007% | 2,344 |
| Tier 1 risk-based capital ratio | 16.5444% | 2,865 |
| Total risk-based capital ratio | 17.8130% | 2,830 |
| Memoranda: | ||
| Average total assets | $122,971,600 | 4,289 |
| Average earning assets | $114,504,000 | 4,234 |
| Average equity | $14,593,000 | 4,042 |
| Average total loans | $99,264,200 | 3,542 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7063% | 2,784 |
| Cost of funding earning assets | 0.7500% | 3,350 |
| Net interest margin | 3.9562% | 2,681 |
| Noninterest income to average assets | 0.6855% | 2,783 |
| Noninterest expense to average assets | 3.6211% | 1,522 |
| Loan and lease loss provision to assets | 0.2935% | 2,238 |
| Net operating income to assets | 0.2705% | 5,716 |
| Return on assets (ROA) | 0.2705% | 5,909 |
| Pretax return on assets | 0.4500% | 5,596 |
| Return on Equity (ROE) | 2.2785% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.2122% | 6,016 |
| Net charge-offs to loans | 0.6527% | 1,678 |
| Credit loss provision to net charge-offs | 55.1440% | 4,275 |
| Earnings coverage of net charge-offs (x) | 1.3971% | 4,598 |
| Efficiency ratio | 82.7396% | 1,730 |
| Assets per employee ($millions) | 2.8912% | 6,230 |
| Cash dividends to net income (ytd only)* | 90.6872% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 1,471 |
| Loan loss allowance to noncurrent loans | 172.7205% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 1.7261% | 3,018 |
| Noncurrent loans to loans | 1.3452% | 3,778 |
| Net loans and leases to total assets | 80.6647% | 455 |
| Net loans and leases to deposits | 110.7603% | 146 |
| Net loans and leases to core deposits | 111.6491% | 513 |
| Total domestic deposits to total assets | 72.8282% | 6,691 |
| Equity capital to assets | 12.4334% | 1,940 |
| Core capital (leverage) ratio | 11.3401% | 2,103 |
| Tier 1 risk-based capital ratio | 16.6010% | 2,940 |
| Total risk-based capital ratio | 17.8709% | 2,902 |
| Memoranda: | ||
| Average total assets | $121,763,000 | 4,358 |
| Average earning assets | $113,236,500 | 4,308 |
| Average equity | $14,453,500 | 4,115 |
| Average total loans | $99,277,000 | 3,579 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 2,814 |
| Cost of funding earning assets | 0.7592% | 3,526 |
| Net interest margin | 3.9673% | 2,647 |
| Noninterest income to average assets | 0.6564% | 2,921 |
| Noninterest expense to average assets | 3.5955% | 1,583 |
| Loan and lease loss provision to assets | 0.1608% | 3,504 |
| Net operating income to assets | 0.3528% | 5,415 |
| Return on assets (ROA) | 0.3528% | 5,641 |
| Pretax return on assets | 0.5875% | 5,185 |
| Return on Equity (ROE) | 3.0199% | 5,688 |
| Retained earnings to average equity (ytd only) | 3.0199% | 4,631 |
| Net charge-offs to loans | 0.1839% | 3,485 |
| Credit loss provision to net charge-offs | 107.6923% | 2,531 |
| Earnings coverage of net charge-offs (x) | 5.0110% | 2,932 |
| Efficiency ratio | 82.5463% | 1,812 |
| Assets per employee ($millions) | 3.0054% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5419% | 1,226 |
| Loan loss allowance to noncurrent loans | 136.4122% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 2.1839% | 2,556 |
| Noncurrent loans to loans | 1.8634% | 3,133 |
| Net loans and leases to total assets | 79.4980% | 564 |
| Net loans and leases to deposits | 109.2890% | 161 |
| Net loans and leases to core deposits | 110.1542% | 574 |
| Total domestic deposits to total assets | 72.7411% | 6,763 |
| Equity capital to assets | 11.6383% | 2,459 |
| Core capital (leverage) ratio | 10.6741% | 2,635 |
| Tier 1 risk-based capital ratio | 15.4705% | 3,463 |
| Total risk-based capital ratio | 16.7429% | 3,413 |
| Memoranda: | ||
| Average total assets | $121,873,670 | 4,378 |
| Average earning assets | $113,274,670 | 4,329 |
| Average equity | $14,238,670 | 4,153 |
| Average total loans | $98,942,000 | 3,596 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 2,898 |
| Cost of funding earning assets | 0.7643% | 3,756 |
| Net interest margin | 3.9742% | 2,613 |
| Noninterest income to average assets | 0.7789% | 2,260 |
| Noninterest expense to average assets | 3.6568% | 1,454 |
| Loan and lease loss provision to assets | 0.1023% | 4,059 |
| Net operating income to assets | 0.4224% | 5,155 |
| Return on assets (ROA) | 0.4224% | 5,346 |
| Pretax return on assets | 0.7096% | 4,760 |
| Return on Equity (ROE) | 3.6088% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.6088% | 4,412 |
| Net charge-offs to loans | 0.0774% | 3,724 |
| Credit loss provision to net charge-offs | 163.1579% | 1,558 |
| Earnings coverage of net charge-offs (x) | 12.9474% | 1,565 |
| Efficiency ratio | 81.6100% | 1,986 |
| Assets per employee ($millions) | 2.9400% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6029% | 1,218 |
| Loan loss allowance to noncurrent loans | 77.8352% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 3.3673% | 1,713 |
| Noncurrent loans to loans | 3.3441% | 1,901 |
| Net loans and leases to total assets | 77.5765% | 631 |
| Net loans and leases to deposits | 103.6261% | 260 |
| Net loans and leases to core deposits | 104.4213% | 749 |
| Total domestic deposits to total assets | 74.8619% | 6,662 |
| Equity capital to assets | 11.5418% | 2,400 |
| Core capital (leverage) ratio | 10.6801% | 2,570 |
| Tier 1 risk-based capital ratio | 15.2592% | 3,579 |
| Total risk-based capital ratio | 16.5317% | 3,526 |
| Memoranda: | ||
| Average total assets | $121,199,500 | 4,427 |
| Average earning assets | $112,525,500 | 4,365 |
| Average equity | $14,187,500 | 4,165 |
| Average total loans | $98,156,000 | 3,639 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 2,543 |
| Cost of funding earning assets | 0.9283% | 3,893 |
| Net interest margin | 4.1490% | 2,232 |
| Noninterest income to average assets | 0.5223% | 3,703 |
| Noninterest expense to average assets | 3.8335% | 1,284 |
| Loan and lease loss provision to assets | 0.0863% | 5,520 |
| Net operating income to assets | 0.2414% | 5,455 |
| Return on assets (ROA) | 0.2414% | 5,602 |
| Pretax return on assets | 0.4242% | 5,215 |
| Return on Equity (ROE) | 2.0602% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.0602% | 4,744 |
| Net charge-offs to loans | 1.0926% | 1,576 |
| Credit loss provision to net charge-offs | 9.8848% | 6,012 |
| Earnings coverage of net charge-offs (x) | 0.5845% | 5,390 |
| Efficiency ratio | 88.0162% | 1,357 |
| Assets per employee ($millions) | 2.7655% | 6,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6011% | 1,192 |
| Loan loss allowance to noncurrent loans | 75.0074% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 3.7312% | 1,564 |
| Noncurrent loans to loans | 3.4678% | 1,851 |
| Net loans and leases to total assets | 80.2333% | 469 |
| Net loans and leases to deposits | 107.2359% | 221 |
| Net loans and leases to core deposits | 108.0912% | 695 |
| Total domestic deposits to total assets | 74.8194% | 6,629 |
| Equity capital to assets | 11.8764% | 2,214 |
| Core capital (leverage) ratio | 10.6850% | 2,538 |
| Tier 1 risk-based capital ratio | 14.8488% | 3,727 |
| Total risk-based capital ratio | 16.1209% | 3,690 |
| Memoranda: | ||
| Average total assets | $119,289,400 | 4,418 |
| Average earning assets | $109,882,000 | 4,396 |
| Average equity | $13,979,000 | 4,114 |
| Average total loans | $95,367,600 | 3,738 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 2,596 |
| Cost of funding earning assets | 0.9713% | 3,882 |
| Net interest margin | 4.1315% | 2,351 |
| Noninterest income to average assets | 0.6243% | 3,032 |
| Noninterest expense to average assets | 3.8408% | 1,248 |
| Loan and lease loss provision to assets | 0.1150% | 4,992 |
| Net operating income to assets | 0.2692% | 5,508 |
| Return on assets (ROA) | 0.2692% | 5,669 |
| Pretax return on assets | 0.4691% | 5,263 |
| Return on Equity (ROE) | 2.3046% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.3046% | 4,968 |
| Net charge-offs to loans | 1.2148% | 1,287 |
| Credit loss provision to net charge-offs | 11.9351% | 5,651 |
| Earnings coverage of net charge-offs (x) | 0.6060% | 5,168 |
| Efficiency ratio | 86.5724% | 1,479 |
| Assets per employee ($millions) | 2.6490% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9268% | 914 |
| Loan loss allowance to noncurrent loans | 235.6958% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 1.8361% | 3,352 |
| Noncurrent loans to loans | 1.2418% | 4,465 |
| Net loans and leases to total assets | 77.6009% | 756 |
| Net loans and leases to deposits | 101.4594% | 414 |
| Net loans and leases to core deposits | 102.2670% | 1,082 |
| Total domestic deposits to total assets | 76.4847% | 6,459 |
| Equity capital to assets | 12.0742% | 2,197 |
| Core capital (leverage) ratio | 10.6531% | 2,707 |
| Tier 1 risk-based capital ratio | 15.3921% | 3,437 |
| Total risk-based capital ratio | 16.6685% | 3,402 |
| Memoranda: | ||
| Average total assets | $119,382,500 | 4,445 |
| Average earning assets | $109,819,500 | 4,422 |
| Average equity | $13,943,000 | 4,135 |
| Average total loans | $94,719,750 | 3,785 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1390% | 2,520 |
| Cost of funding earning assets | 1.0014% | 3,939 |
| Net interest margin | 4.1376% | 2,273 |
| Noninterest income to average assets | 0.6566% | 2,786 |
| Noninterest expense to average assets | 3.8662% | 1,249 |
| Loan and lease loss provision to assets | 0.1662% | 4,273 |
| Net operating income to assets | 0.2443% | 5,581 |
| Return on assets (ROA) | 0.2443% | 5,706 |
| Pretax return on assets | 0.4288% | 5,301 |
| Return on Equity (ROE) | 2.1152% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.1152% | 4,931 |
| Net charge-offs to loans | 1.3818% | 1,097 |
| Credit loss provision to net charge-offs | 15.1976% | 5,196 |
| Earnings coverage of net charge-offs (x) | 0.5441% | 4,896 |
| Efficiency ratio | 86.4382% | 1,551 |
| Assets per employee ($millions) | 2.5882% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1677% | 784 |
| Loan loss allowance to noncurrent loans | 273.4827% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7588% | 3,561 |
| Noncurrent loans to loans | 1.1583% | 4,725 |
| Net loans and leases to total assets | 75.2049% | 1,204 |
| Net loans and leases to deposits | 98.5265% | 565 |
| Net loans and leases to core deposits | 99.2936% | 1,406 |
| Total domestic deposits to total assets | 76.3296% | 6,555 |
| Equity capital to assets | 11.7407% | 2,294 |
| Core capital (leverage) ratio | 10.2753% | 2,955 |
| Tier 1 risk-based capital ratio | 15.4592% | 3,274 |
| Total risk-based capital ratio | 16.7390% | 3,194 |
| Memoranda: | ||
| Average total assets | $120,325,330 | 4,444 |
| Average earning assets | $110,643,670 | 4,422 |
| Average equity | $13,899,670 | 4,144 |
| Average total loans | $95,235,000 | 3,811 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2738% | 1,964 |
| Cost of funding earning assets | 1.0188% | 4,067 |
| Net interest margin | 4.2550% | 1,723 |
| Noninterest income to average assets | 0.5952% | 3,205 |
| Noninterest expense to average assets | 3.8922% | 1,180 |
| Loan and lease loss provision to assets | 0.2414% | 3,263 |
| Net operating income to assets | 0.2083% | 5,762 |
| Return on assets (ROA) | 0.2083% | 5,824 |
| Pretax return on assets | 0.3704% | 5,429 |
| Return on Equity (ROE) | 1.8181% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.8181% | 5,021 |
| Net charge-offs to loans | -0.1780% | 7,238 |
| Credit loss provision to net charge-offs | -169.7674% | 5,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1968% | 1,695 |
| Assets per employee ($millions) | 2.6336% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7993% | 491 |
| Loan loss allowance to noncurrent loans | 800.6667% | 450 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 4,314 |
| Noncurrent loans to loans | 0.4745% | 6,072 |
| Net loans and leases to total assets | 73.7045% | 1,391 |
| Net loans and leases to deposits | 96.4427% | 663 |
| Net loans and leases to core deposits | 97.1617% | 1,584 |
| Total domestic deposits to total assets | 76.4231% | 6,613 |
| Equity capital to assets | 11.2241% | 2,486 |
| Core capital (leverage) ratio | 10.1519% | 2,974 |
| Tier 1 risk-based capital ratio | 14.7742% | 3,561 |
| Total risk-based capital ratio | 16.0622% | 3,500 |
| Memoranda: | ||
| Average total assets | $120,960,000 | 4,449 |
| Average earning assets | $111,115,500 | 4,433 |
| Average equity | $13,860,500 | 4,139 |
| Average total loans | $96,620,000 | 3,816 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4156% | 2,601 |
| Cost of funding earning assets | 1.2900% | 3,949 |
| Net interest margin | 4.1257% | 2,460 |
| Noninterest income to average assets | 0.2690% | 5,862 |
| Noninterest expense to average assets | 4.2058% | 898 |
| Loan and lease loss provision to assets | 2.5926% | 421 |
| Net operating income to assets | -1.6619% | 6,958 |
| Return on assets (ROA) | -1.6619% | 6,981 |
| Pretax return on assets | -2.7307% | 7,230 |
| Return on Equity (ROE) | -14.1191% | 6,888 |
| Retained earnings to average equity (ytd only) | -14.1191% | 6,848 |
| Net charge-offs to loans | 1.7919% | 1,177 |
| Credit loss provision to net charge-offs | 175.0000% | 1,909 |
| Earnings coverage of net charge-offs (x) | -0.0932% | 6,216 |
| Efficiency ratio | 103.1397% | 692 |
| Assets per employee ($millions) | 2.4613% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5434% | 582 |
| Loan loss allowance to noncurrent loans | 1,050.3012% | 360 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 4,196 |
| Noncurrent loans to loans | 0.3374% | 6,379 |
| Net loans and leases to total assets | 80.3440% | 622 |
| Net loans and leases to deposits | 106.5667% | 301 |
| Net loans and leases to core deposits | 106.9268% | 1,132 |
| Total domestic deposits to total assets | 75.3932% | 6,713 |
| Equity capital to assets | 11.7046% | 2,123 |
| Core capital (leverage) ratio | 9.8828% | 3,226 |
| Tier 1 risk-based capital ratio | 13.7713% | 4,004 |
| Total risk-based capital ratio | 15.0560% | 3,971 |
| Memoranda: | ||
| Average total assets | $125,280,800 | 4,368 |
| Average earning assets | $115,351,200 | 4,335 |
| Average equity | $14,746,000 | 3,982 |
| Average total loans | $103,578,400 | 3,689 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 3,146 |
| Cost of funding earning assets | 1.3344% | 4,016 |
| Net interest margin | 4.0100% | 3,055 |
| Noninterest income to average assets | 0.1049% | 7,025 |
| Noninterest expense to average assets | 4.0650% | 968 |
| Loan and lease loss provision to assets | 2.3116% | 479 |
| Net operating income to assets | -1.5771% | 7,127 |
| Return on assets (ROA) | -1.5771% | 7,136 |
| Pretax return on assets | -2.5760% | 7,342 |
| Return on Equity (ROE) | -13.3815% | 7,051 |
| Retained earnings to average equity (ytd only) | -13.3815% | 7,018 |
| Net charge-offs to loans | 1.6871% | 1,166 |
| Credit loss provision to net charge-offs | 166.0136% | 2,253 |
| Earnings coverage of net charge-offs (x) | -0.1899% | 6,172 |
| Efficiency ratio | 106.7090% | 585 |
| Assets per employee ($millions) | 2.5600% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9350% | 872 |
| Loan loss allowance to noncurrent loans | 302.5458% | 971 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 4,107 |
| Noncurrent loans to loans | 0.9701% | 5,296 |
| Net loans and leases to total assets | 79.9608% | 755 |
| Net loans and leases to deposits | 106.6621% | 335 |
| Net loans and leases to core deposits | 106.6621% | 1,270 |
| Total domestic deposits to total assets | 74.9664% | 6,803 |
| Equity capital to assets | 11.7449% | 2,326 |
| Core capital (leverage) ratio | 11.4439% | 1,973 |
| Tier 1 risk-based capital ratio | 15.7544% | 2,880 |
| Total risk-based capital ratio | 17.0303% | 2,823 |
| Memoranda: | ||
| Average total assets | $127,065,500 | 4,393 |
| Average earning assets | $117,104,000 | 4,354 |
| Average equity | $14,975,500 | 3,989 |
| Average total loans | $104,871,250 | 3,712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 3,390 |
| Cost of funding earning assets | 1.3714% | 4,051 |
| Net interest margin | 3.9439% | 3,264 |
| Noninterest income to average assets | -0.2226% | 7,685 |
| Noninterest expense to average assets | 4.0993% | 924 |
| Loan and lease loss provision to assets | 3.4065% | 261 |
| Net operating income to assets | -2.4832% | 7,412 |
| Return on assets (ROA) | -2.4832% | 7,422 |
| Pretax return on assets | -4.0884% | 7,612 |
| Return on Equity (ROE) | -21.0468% | 7,291 |
| Retained earnings to average equity (ytd only) | -21.0468% | 7,276 |
| Net charge-offs to loans | 0.2941% | 3,852 |
| Credit loss provision to net charge-offs | 1,402.5641% | 279 |
| Earnings coverage of net charge-offs (x) | -2.8077% | 6,251 |
| Efficiency ratio | 119.6811% | 423 |
| Assets per employee ($millions) | 2.4729% | 7,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0045% | 376 |
| Loan loss allowance to noncurrent loans | 162.4164% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 2.3954% | 3,004 |
| Noncurrent loans to loans | 2.4656% | 3,181 |
| Net loans and leases to total assets | 78.4442% | 1,037 |
| Net loans and leases to deposits | 105.3510% | 425 |
| Net loans and leases to core deposits | 105.3510% | 1,504 |
| Total domestic deposits to total assets | 74.4598% | 6,915 |
| Equity capital to assets | 11.3702% | 2,543 |
| Core capital (leverage) ratio | 10.9116% | 2,316 |
| Tier 1 risk-based capital ratio | 15.3706% | 2,968 |
| Total risk-based capital ratio | 16.6610% | 2,912 |
| Memoranda: | ||
| Average total assets | $128,461,000 | 4,391 |
| Average earning assets | $118,563,330 | 4,351 |
| Average equity | $15,156,670 | 3,961 |
| Average total loans | $106,086,330 | 3,714 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 2,851 |
| Cost of funding earning assets | 1.4235% | 4,026 |
| Net interest margin | 4.0198% | 2,791 |
| Noninterest income to average assets | 0.5801% | 3,415 |
| Noninterest expense to average assets | 3.9959% | 1,039 |
| Loan and lease loss provision to assets | 3.2369% | 300 |
| Net operating income to assets | -1.7928% | 7,409 |
| Return on assets (ROA) | -1.7928% | 7,410 |
| Pretax return on assets | -2.9406% | 7,588 |
| Return on Equity (ROE) | -14.9309% | 7,310 |
| Retained earnings to average equity (ytd only) | -14.9309% | 7,209 |
| Net charge-offs to loans | 0.5130% | 2,530 |
| Credit loss provision to net charge-offs | 760.1449% | 593 |
| Earnings coverage of net charge-offs (x) | 0.6957% | 4,408 |
| Efficiency ratio | 92.8828% | 1,211 |
| Assets per employee ($millions) | 2.6089% | 7,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8664% | 925 |
| Loan loss allowance to noncurrent loans | 430.6590% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 5,350 |
| Noncurrent loans to loans | 0.6656% | 5,994 |
| Net loans and leases to total assets | 78.0877% | 1,140 |
| Net loans and leases to deposits | 105.7526% | 436 |
| Net loans and leases to core deposits | 105.7526% | 1,598 |
| Total domestic deposits to total assets | 73.8400% | 7,066 |
| Equity capital to assets | 11.7297% | 2,211 |
| Core capital (leverage) ratio | 11.6340% | 1,836 |
| Tier 1 risk-based capital ratio | 15.7602% | 2,748 |
| Total risk-based capital ratio | 17.0325% | 2,682 |
| Memoranda: | ||
| Average total assets | $129,632,000 | 4,419 |
| Average earning assets | $119,707,000 | 4,384 |
| Average equity | $15,565,000 | 3,901 |
| Average total loans | $107,599,500 | 3,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7857% | 2,716 |
| Cost of funding earning assets | 1.6571% | 4,751 |
| Net interest margin | 4.1286% | 2,322 |
| Noninterest income to average assets | 0.8821% | 2,023 |
| Noninterest expense to average assets | 3.9737% | 1,396 |
| Loan and lease loss provision to assets | 1.0230% | 2,225 |
| Net operating income to assets | -0.1657% | 5,787 |
| Return on assets (ROA) | -0.1657% | 5,792 |
| Pretax return on assets | -0.2765% | 5,813 |
| Return on Equity (ROE) | -1.3735% | 5,752 |
| Retained earnings to average equity (ytd only) | -1.3735% | 5,362 |
| Net charge-offs to loans | 0.6446% | 3,258 |
| Credit loss provision to net charge-offs | 183.0189% | 2,246 |
| Earnings coverage of net charge-offs (x) | 1.3356% | 4,796 |
| Efficiency ratio | 83.9930% | 2,351 |
| Assets per employee ($millions) | 2.6837% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 2,263 |
| Loan loss allowance to noncurrent loans | 502.3981% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 6,120 |
| Noncurrent loans to loans | 0.3780% | 6,522 |
| Net loans and leases to total assets | 84.0223% | 429 |
| Net loans and leases to deposits | 114.8943% | 251 |
| Net loans and leases to core deposits | 128.2466% | 1,380 |
| Total domestic deposits to total assets | 73.1301% | 7,138 |
| Equity capital to assets | 12.2880% | 1,860 |
| Core capital (leverage) ratio | 11.8738% | 1,722 |
| Tier 1 risk-based capital ratio | 15.9894% | 2,530 |
| Total risk-based capital ratio | 17.2509% | 2,456 |
| Memoranda: | ||
| Average total assets | $132,746,200 | 4,283 |
| Average earning assets | $123,407,800 | 4,234 |
| Average equity | $16,017,800 | 3,868 |
| Average total loans | $115,117,200 | 3,578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7828% | 2,965 |
| Cost of funding earning assets | 1.7006% | 4,897 |
| Net interest margin | 4.0822% | 2,472 |
| Noninterest income to average assets | 0.8475% | 2,215 |
| Noninterest expense to average assets | 3.9741% | 1,312 |
| Loan and lease loss provision to assets | 0.2064% | 5,336 |
| Net operating income to assets | 0.2832% | 4,848 |
| Return on assets (ROA) | 0.2832% | 4,953 |
| Pretax return on assets | 0.4676% | 4,623 |
| Return on Equity (ROE) | 2.3570% | 5,044 |
| Retained earnings to average equity (ytd only) | 2.3570% | 4,008 |
| Net charge-offs to loans | 0.0791% | 5,886 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 9.7968% | 2,057 |
| Efficiency ratio | 85.3067% | 2,150 |
| Assets per employee ($millions) | 2.7765% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 3,779 |
| Loan loss allowance to noncurrent loans | 150.6058% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 5,088 |
| Noncurrent loans to loans | 0.9496% | 5,397 |
| Net loans and leases to total assets | 85.3529% | 401 |
| Net loans and leases to deposits | 118.2736% | 233 |
| Net loans and leases to core deposits | 131.3448% | 1,354 |
| Total domestic deposits to total assets | 72.1656% | 7,189 |
| Equity capital to assets | 12.4738% | 1,972 |
| Core capital (leverage) ratio | 11.9299% | 1,835 |
| Tier 1 risk-based capital ratio | 14.8405% | 3,116 |
| Total risk-based capital ratio | 16.0933% | 3,056 |
| Memoranda: | ||
| Average total assets | $133,728,500 | 4,287 |
| Average earning assets | $124,504,750 | 4,233 |
| Average equity | $16,065,000 | 3,899 |
| Average total loans | $116,314,000 | 3,588 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 3,170 |
| Cost of funding earning assets | 1.7279% | 5,134 |
| Net interest margin | 4.0457% | 2,522 |
| Noninterest income to average assets | 0.8234% | 2,300 |
| Noninterest expense to average assets | 3.9568% | 1,388 |
| Loan and lease loss provision to assets | 0.0964% | 6,204 |
| Net operating income to assets | 0.3249% | 4,785 |
| Return on assets (ROA) | 0.3249% | 4,907 |
| Pretax return on assets | 0.5356% | 4,511 |
| Return on Equity (ROE) | 2.7385% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.7385% | 3,806 |
| Net charge-offs to loans | 0.1005% | 5,157 |
| Credit loss provision to net charge-offs | 110.1695% | 4,205 |
| Earnings coverage of net charge-offs (x) | 7.2203% | 2,474 |
| Efficiency ratio | 86.0330% | 2,228 |
| Assets per employee ($millions) | 2.8659% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 4,307 |
| Loan loss allowance to noncurrent loans | 120.6504% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.1782% | 4,585 |
| Noncurrent loans to loans | 1.0721% | 5,066 |
| Net loans and leases to total assets | 84.0740% | 625 |
| Net loans and leases to deposits | 118.0962% | 274 |
| Net loans and leases to core deposits | 129.7175% | 1,594 |
| Total domestic deposits to total assets | 71.1911% | 7,342 |
| Equity capital to assets | 11.9965% | 2,209 |
| Core capital (leverage) ratio | 11.8137% | 1,913 |
| Tier 1 risk-based capital ratio | 14.0399% | 3,496 |
| Total risk-based capital ratio | 15.2905% | 3,437 |
| Memoranda: | ||
| Average total assets | $134,805,670 | 4,285 |
| Average earning assets | $125,467,670 | 4,235 |
| Average equity | $15,994,000 | 3,923 |
| Average total loans | $117,419,000 | 3,595 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 2,966 |
| Cost of funding earning assets | 1.7635% | 5,297 |
| Net interest margin | 4.1011% | 2,261 |
| Noninterest income to average assets | 0.7000% | 2,893 |
| Noninterest expense to average assets | 3.9982% | 1,190 |
| Loan and lease loss provision to assets | 0.0623% | 6,173 |
| Net operating income to assets | 0.2758% | 5,380 |
| Return on assets (ROA) | 0.2758% | 5,552 |
| Pretax return on assets | 0.4538% | 5,234 |
| Return on Equity (ROE) | 2.3379% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.3379% | 4,578 |
| Net charge-offs to loans | -0.0370% | 7,618 |
| Credit loss provision to net charge-offs | -190.9091% | 6,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3706% | 1,865 |
| Assets per employee ($millions) | 2.7311% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,130 |
| Loan loss allowance to noncurrent loans | 148.0392% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1874% | 4,296 |
| Noncurrent loans to loans | 0.8711% | 5,271 |
| Net loans and leases to total assets | 86.3665% | 396 |
| Net loans and leases to deposits | 118.9486% | 315 |
| Net loans and leases to core deposits | 130.1298% | 1,649 |
| Total domestic deposits to total assets | 72.6083% | 7,116 |
| Equity capital to assets | 11.9402% | 2,298 |
| Core capital (leverage) ratio | 11.7894% | 2,008 |
| Tier 1 risk-based capital ratio | 14.3519% | 3,397 |
| Total risk-based capital ratio | 15.6036% | 3,318 |
| Memoranda: | ||
| Average total assets | $134,859,500 | 4,312 |
| Average earning assets | $125,429,500 | 4,257 |
| Average equity | $15,911,500 | 3,958 |
| Average total loans | $118,763,500 | 3,587 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1351% | 4,863 |
| Cost of funding earning assets | 2.4075% | 4,692 |
| Net interest margin | 3.7276% | 4,343 |
| Noninterest income to average assets | 0.6517% | 3,463 |
| Noninterest expense to average assets | 4.1013% | 1,278 |
| Loan and lease loss provision to assets | 0.9372% | 1,580 |
| Net operating income to assets | -0.5402% | 6,952 |
| Return on assets (ROA) | -0.5402% | 6,836 |
| Pretax return on assets | -0.8925% | 6,933 |
| Return on Equity (ROE) | -4.5518% | 6,814 |
| Retained earnings to average equity (ytd only) | -4.5518% | 6,423 |
| Net charge-offs to loans | 0.4694% | 2,482 |
| Credit loss provision to net charge-offs | 233.4552% | 2,034 |
| Earnings coverage of net charge-offs (x) | 0.1115% | 6,179 |
| Efficiency ratio | 98.7431% | 1,031 |
| Assets per employee ($millions) | 2.5640% | 7,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,329 |
| Loan loss allowance to noncurrent loans | 637.5000% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 5,176 |
| Noncurrent loans to loans | 0.1926% | 6,813 |
| Net loans and leases to total assets | 87.5373% | 412 |
| Net loans and leases to deposits | 120.7769% | 371 |
| Net loans and leases to core deposits | 133.3999% | 1,628 |
| Total domestic deposits to total assets | 72.4785% | 6,918 |
| Equity capital to assets | 11.6591% | 2,527 |
| Core capital (leverage) ratio | 11.6676% | 2,143 |
| Tier 1 risk-based capital ratio | 14.0080% | 3,546 |
| Total risk-based capital ratio | 15.2592% | 3,463 |
| Memoranda: | ||
| Average total assets | $136,249,800 | 4,156 |
| Average earning assets | $127,723,600 | 4,092 |
| Average equity | $16,169,400 | 3,893 |
| Average total loans | $116,539,800 | 3,531 |