Home > Pathfinder Bank > Performance and Condition Ratios
Pathfinder Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 1,614 |
| Cost of funding earning assets | 2.0662% | 818 |
| Net interest margin | 3.1602% | 2,964 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.0240% | 3,569 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.8184% | 2,810 |
| Return on assets (ROA) | 0.8128% | 2,811 |
| Pretax return on assets | 1.0200% | 2,617 |
| Return on Equity (ROE) | 8.7600% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.7599% | 1,313 |
| Net charge-offs to loans | 0.4698% | 225 |
| Credit loss provision to net charge-offs | 69.4148% | 2,093 |
| Earnings coverage of net charge-offs (x) | 4.1151% | 2,606 |
| Efficiency ratio | 62.1138% | 2,822 |
| Assets per employee ($millions) | 8.8312% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 558 |
| Loan loss allowance to noncurrent loans | 92.7323% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 367 |
| Noncurrent loans to loans | 1.9200% | 300 |
| Net loans and leases to total assets | 60.4800% | 2,805 |
| Net loans and leases to deposits | 78.2353% | 2,242 |
| Net loans and leases to core deposits | 111.7730% | 892 |
| Total domestic deposits to total assets | 77.3000% | 3,810 |
| Equity capital to assets | 9.4666% | 2,368 |
| Core capital (leverage) ratio | 10.1103% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0542% | 1,519 |
| Memoranda: | ||
| Average total assets | $1,409,069,400 | 750 |
| Average earning assets | $1,298,877,200 | 741 |
| Average equity | $130,743,600 | 758 |
| Average total loans | $898,453,000 | 792 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 1,562 |
| Cost of funding earning assets | 1.8813% | 884 |
| Net interest margin | 3.2570% | 2,787 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.0704% | 3,420 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.8090% | 3,001 |
| Return on assets (ROA) | 0.8054% | 3,001 |
| Pretax return on assets | 1.0172% | 2,807 |
| Return on Equity (ROE) | 8.7300% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.7261% | 1,760 |
| Net charge-offs to loans | 0.6102% | 146 |
| Credit loss provision to net charge-offs | 64.7946% | 1,835 |
| Earnings coverage of net charge-offs (x) | 3.2453% | 2,442 |
| Efficiency ratio | 61.8743% | 2,734 |
| Assets per employee ($millions) | 8.4427% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 612 |
| Loan loss allowance to noncurrent loans | 97.4896% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1746% | 386 |
| Noncurrent loans to loans | 1.8048% | 357 |
| Net loans and leases to total assets | 63.2000% | 2,542 |
| Net loans and leases to deposits | 77.5554% | 2,283 |
| Net loans and leases to core deposits | 110.7604% | 845 |
| Total domestic deposits to total assets | 81.4900% | 3,310 |
| Equity capital to assets | 9.4232% | 2,144 |
| Core capital (leverage) ratio | 10.1123% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7623% | 1,644 |
| Memoranda: | ||
| Average total assets | $1,397,048,500 | 753 |
| Average earning assets | $1,284,740,500 | 746 |
| Average equity | $128,943,750 | 764 |
| Average total loans | $898,762,000 | 797 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 1,669 |
| Cost of funding earning assets | 1.7136% | 865 |
| Net interest margin | 3.2303% | 2,912 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.0359% | 3,503 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.8247% | 3,002 |
| Return on assets (ROA) | 0.8232% | 3,016 |
| Pretax return on assets | 1.0393% | 2,799 |
| Return on Equity (ROE) | 8.9800% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.9819% | 1,691 |
| Net charge-offs to loans | 0.0631% | 923 |
| Credit loss provision to net charge-offs | 644.3662% | 552 |
| Earnings coverage of net charge-offs (x) | 32.0141% | 1,518 |
| Efficiency ratio | 60.9894% | 2,845 |
| Assets per employee ($millions) | 8.8255% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 356 |
| Loan loss allowance to noncurrent loans | 92.3682% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4886% | 240 |
| Noncurrent loans to loans | 2.2835% | 215 |
| Net loans and leases to total assets | 62.9600% | 2,486 |
| Net loans and leases to deposits | 78.5937% | 2,083 |
| Net loans and leases to core deposits | 110.4421% | 808 |
| Total domestic deposits to total assets | 80.1000% | 3,568 |
| Equity capital to assets | 9.4235% | 2,218 |
| Core capital (leverage) ratio | 9.9355% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4157% | 1,448 |
| Memoranda: | ||
| Average total assets | $1,398,383,333 | 742 |
| Average earning assets | $1,284,907,333 | 739 |
| Average equity | $128,168,333 | 764 |
| Average total loans | $899,638,333 | 786 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 1,934 |
| Cost of funding earning assets | 1.4234% | 988 |
| Net interest margin | 3.2433% | 3,008 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.0701% | 3,448 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.8965% | 2,870 |
| Return on assets (ROA) | 0.8915% | 2,836 |
| Pretax return on assets | 1.1225% | 2,650 |
| Return on Equity (ROE) | 9.8600% | 2,827 |
| Retained earnings to average equity (ytd only) | 9.8640% | 1,732 |
| Net charge-offs to loans | 0.0124% | 1,488 |
| Credit loss provision to net charge-offs | 2,471.4286% | 174 |
| Earnings coverage of net charge-offs (x) | 165.6071% | 577 |
| Efficiency ratio | 61.0229% | 2,820 |
| Assets per employee ($millions) | 8.6732% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 426 |
| Loan loss allowance to noncurrent loans | 95.9010% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 254 |
| Noncurrent loans to loans | 2.0990% | 260 |
| Net loans and leases to total assets | 63.4600% | 2,301 |
| Net loans and leases to deposits | 77.1883% | 2,020 |
| Net loans and leases to core deposits | 107.2618% | 788 |
| Total domestic deposits to total assets | 82.2200% | 3,448 |
| Equity capital to assets | 9.0946% | 2,441 |
| Core capital (leverage) ratio | 9.6778% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1127% | 1,597 |
| Memoranda: | ||
| Average total assets | $1,404,774,500 | 757 |
| Average earning assets | $1,293,495,500 | 752 |
| Average equity | $126,966,500 | 779 |
| Average total loans | $903,897,500 | 790 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 1,489 |
| Cost of funding earning assets | 0.6348% | 771 |
| Net interest margin | 3.4593% | 2,067 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0244% | 3,517 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.1479% | 1,980 |
| Return on assets (ROA) | 1.1301% | 1,996 |
| Pretax return on assets | 1.3648% | 1,881 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | 12.5304% | 582 |
| Net charge-offs to loans | 0.0426% | 1,264 |
| Credit loss provision to net charge-offs | 744.3243% | 523 |
| Earnings coverage of net charge-offs (x) | 58.2162% | 1,273 |
| Efficiency ratio | 56.0135% | 3,581 |
| Assets per employee ($millions) | 8.5121% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 795 |
| Loan loss allowance to noncurrent loans | 169.9279% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 757 |
| Noncurrent loans to loans | 1.0042% | 727 |
| Net loans and leases to total assets | 62.8300% | 2,346 |
| Net loans and leases to deposits | 77.6282% | 1,986 |
| Net loans and leases to core deposits | 108.0857% | 668 |
| Total domestic deposits to total assets | 80.9400% | 3,765 |
| Equity capital to assets | 8.9818% | 2,370 |
| Core capital (leverage) ratio | 9.6673% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1382% | 1,593 |
| Memoranda: | ||
| Average total assets | $1,356,725,200 | 757 |
| Average earning assets | $1,253,138,800 | 756 |
| Average equity | $122,358,600 | 800 |
| Average total loans | $867,675,800 | 773 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 1,532 |
| Cost of funding earning assets | 0.4889% | 793 |
| Net interest margin | 3.3904% | 2,003 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.0734% | 3,287 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0969% | 2,117 |
| Return on assets (ROA) | 1.0761% | 2,145 |
| Pretax return on assets | 1.3366% | 1,935 |
| Return on Equity (ROE) | 11.9200% | 2,061 |
| Retained earnings to average equity (ytd only) | 11.9195% | 815 |
| Net charge-offs to loans | 0.0270% | 1,284 |
| Credit loss provision to net charge-offs | 500.5747% | 605 |
| Earnings coverage of net charge-offs (x) | 83.8736% | 1,020 |
| Efficiency ratio | 58.8644% | 3,269 |
| Assets per employee ($millions) | 8.6064% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,193 |
| Loan loss allowance to noncurrent loans | 128.3012% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 649 |
| Noncurrent loans to loans | 1.1989% | 614 |
| Net loans and leases to total assets | 62.2000% | 2,263 |
| Net loans and leases to deposits | 73.1631% | 2,114 |
| Net loans and leases to core deposits | 106.9219% | 563 |
| Total domestic deposits to total assets | 85.0200% | 3,280 |
| Equity capital to assets | 8.6524% | 2,438 |
| Core capital (leverage) ratio | 9.4770% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6875% | 1,814 |
| Memoranda: | ||
| Average total assets | $1,344,784,000 | 770 |
| Average earning assets | $1,243,998,250 | 770 |
| Average equity | $121,411,250 | 815 |
| Average total loans | $860,153,750 | 774 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 1,527 |
| Cost of funding earning assets | 0.3909% | 978 |
| Net interest margin | 3.3127% | 1,871 |
| Noninterest income to average assets | 0.3981% | 2,774 |
| Noninterest expense to average assets | 2.1008% | 3,142 |
| Loan and lease loss provision to assets | 0.0243% | 2,158 |
| Net operating income to assets | 1.0850% | 1,829 |
| Return on assets (ROA) | 1.0795% | 1,836 |
| Pretax return on assets | 1.3402% | 1,613 |
| Return on Equity (ROE) | 11.7837% | 1,730 |
| Retained earnings to average equity (ytd only) | 11.7837% | 642 |
| Net charge-offs to loans | 0.0042% | 1,865 |
| Credit loss provision to net charge-offs | 894.4444% | 441 |
| Earnings coverage of net charge-offs (x) | 504.1111% | 258 |
| Efficiency ratio | 60.5062% | 3,235 |
| Assets per employee ($millions) | 8.2761% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,378 |
| Loan loss allowance to noncurrent loans | 112.5280% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 593 |
| Noncurrent loans to loans | 1.3416% | 577 |
| Net loans and leases to total assets | 62.4814% | 2,069 |
| Net loans and leases to deposits | 74.1719% | 1,853 |
| Net loans and leases to core deposits | 101.3362% | 617 |
| Total domestic deposits to total assets | 84.2387% | 3,639 |
| Equity capital to assets | 8.8548% | 2,492 |
| Core capital (leverage) ratio | 9.4933% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7679% | 1,777 |
| Memoranda: | ||
| Average total assets | $1,325,430,667 | 774 |
| Average earning assets | $1,229,106,333 | 777 |
| Average equity | $121,421,667 | 834 |
| Average total loans | $851,466,333 | 767 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 1,390 |
| Cost of funding earning assets | 0.3637% | 1,104 |
| Net interest margin | 3.2823% | 1,614 |
| Noninterest income to average assets | 0.4296% | 2,499 |
| Noninterest expense to average assets | 2.1563% | 2,954 |
| Loan and lease loss provision to assets | 0.0309% | 1,811 |
| Net operating income to assets | 1.0409% | 1,723 |
| Return on assets (ROA) | 1.0256% | 1,767 |
| Pretax return on assets | 1.2769% | 1,574 |
| Return on Equity (ROE) | 11.0032% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.0032% | 789 |
| Net charge-offs to loans | 0.0090% | 1,420 |
| Credit loss provision to net charge-offs | 531.5789% | 496 |
| Earnings coverage of net charge-offs (x) | 227.3158% | 397 |
| Efficiency ratio | 61.9320% | 3,267 |
| Assets per employee ($millions) | 7.9588% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,493 |
| Loan loss allowance to noncurrent loans | 163.7771% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 990 |
| Noncurrent loans to loans | 0.9289% | 981 |
| Net loans and leases to total assets | 63.3965% | 1,696 |
| Net loans and leases to deposits | 74.7143% | 1,544 |
| Net loans and leases to core deposits | 93.8510% | 740 |
| Total domestic deposits to total assets | 84.8519% | 3,572 |
| Equity capital to assets | 9.1378% | 2,593 |
| Core capital (leverage) ratio | 9.2917% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2900% | 1,696 |
| Memoranda: | ||
| Average total assets | $1,305,367,000 | 797 |
| Average earning assets | $1,213,047,500 | 798 |
| Average equity | $121,673,500 | 846 |
| Average total loans | $844,050,500 | 769 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 1,576 |
| Cost of funding earning assets | 0.4882% | 977 |
| Net interest margin | 3.4232% | 1,956 |
| Noninterest income to average assets | 0.4242% | 2,928 |
| Noninterest expense to average assets | 2.1105% | 3,365 |
| Loan and lease loss provision to assets | 0.0809% | 1,510 |
| Net operating income to assets | 1.1086% | 2,261 |
| Return on assets (ROA) | 1.1269% | 2,241 |
| Pretax return on assets | 1.4457% | 1,894 |
| Return on Equity (ROE) | 12.4908% | 1,652 |
| Retained earnings to average equity (ytd only) | 12.4908% | 471 |
| Net charge-offs to loans | 0.1042% | 836 |
| Credit loss provision to net charge-offs | 118.2870% | 1,658 |
| Earnings coverage of net charge-offs (x) | 21.9514% | 1,808 |
| Efficiency ratio | 58.4002% | 3,380 |
| Assets per employee ($millions) | 7.9603% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,379 |
| Loan loss allowance to noncurrent loans | 155.9937% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 1,007 |
| Noncurrent loans to loans | 0.9961% | 993 |
| Net loans and leases to total assets | 63.9455% | 1,708 |
| Net loans and leases to deposits | 76.5865% | 1,523 |
| Net loans and leases to core deposits | 97.0068% | 659 |
| Total domestic deposits to total assets | 83.4944% | 3,693 |
| Equity capital to assets | 9.5111% | 3,140 |
| Core capital (leverage) ratio | 9.5182% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1932% | 1,777 |
| Memoranda: | ||
| Average total assets | $1,263,421,200 | 789 |
| Average earning assets | $1,176,418,200 | 793 |
| Average equity | $113,987,800 | 911 |
| Average total loans | $829,282,200 | 779 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 1,634 |
| Cost of funding earning assets | 0.5345% | 897 |
| Net interest margin | 3.4194% | 2,101 |
| Noninterest income to average assets | 0.4314% | 2,925 |
| Noninterest expense to average assets | 2.0796% | 3,420 |
| Loan and lease loss provision to assets | 0.2183% | 451 |
| Net operating income to assets | 1.0286% | 2,807 |
| Return on assets (ROA) | 1.0557% | 2,780 |
| Pretax return on assets | 1.3539% | 2,483 |
| Return on Equity (ROE) | 11.8652% | 2,091 |
| Retained earnings to average equity (ytd only) | 11.8652% | 857 |
| Net charge-offs to loans | 0.1244% | 637 |
| Credit loss provision to net charge-offs | 266.6235% | 1,061 |
| Earnings coverage of net charge-offs (x) | 18.7516% | 1,775 |
| Efficiency ratio | 57.4949% | 3,352 |
| Assets per employee ($millions) | 8.0125% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 959 |
| Loan loss allowance to noncurrent loans | 160.1024% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 1,066 |
| Noncurrent loans to loans | 1.1146% | 1,005 |
| Net loans and leases to total assets | 61.5352% | 2,072 |
| Net loans and leases to deposits | 72.9375% | 1,968 |
| Net loans and leases to core deposits | 90.5968% | 1,002 |
| Total domestic deposits to total assets | 84.3670% | 3,346 |
| Equity capital to assets | 9.3407% | 3,516 |
| Core capital (leverage) ratio | 9.2088% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4233% | 1,822 |
| Memoranda: | ||
| Average total assets | $1,258,873,000 | 799 |
| Average earning assets | $1,171,990,750 | 800 |
| Average equity | $112,011,000 | 937 |
| Average total loans | $828,485,500 | 793 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 1,748 |
| Cost of funding earning assets | 0.5557% | 914 |
| Net interest margin | 3.3732% | 2,226 |
| Noninterest income to average assets | 0.4300% | 2,953 |
| Noninterest expense to average assets | 2.0628% | 3,514 |
| Loan and lease loss provision to assets | 0.3108% | 269 |
| Net operating income to assets | 0.9516% | 3,060 |
| Return on assets (ROA) | 0.9854% | 3,032 |
| Pretax return on assets | 1.2526% | 2,758 |
| Return on Equity (ROE) | 11.2615% | 2,313 |
| Retained earnings to average equity (ytd only) | 11.2615% | 1,063 |
| Net charge-offs to loans | 0.0311% | 1,347 |
| Credit loss provision to net charge-offs | 1,493.8931% | 365 |
| Earnings coverage of net charge-offs (x) | 72.9695% | 881 |
| Efficiency ratio | 57.5668% | 3,335 |
| Assets per employee ($millions) | 7.9869% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 974 |
| Loan loss allowance to noncurrent loans | 91.3030% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 509 |
| Noncurrent loans to loans | 1.9155% | 518 |
| Net loans and leases to total assets | 65.4226% | 1,764 |
| Net loans and leases to deposits | 78.3504% | 1,582 |
| Net loans and leases to core deposits | 99.9533% | 661 |
| Total domestic deposits to total assets | 83.5001% | 3,579 |
| Equity capital to assets | 9.0831% | 3,725 |
| Core capital (leverage) ratio | 8.8295% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8167% | 2,042 |
| Memoranda: | ||
| Average total assets | $1,259,174,667 | 793 |
| Average earning assets | $1,176,272,333 | 790 |
| Average equity | $110,180,333 | 943 |
| Average total loans | $841,928,000 | 785 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 2,264 |
| Cost of funding earning assets | 0.6189% | 803 |
| Net interest margin | 3.1178% | 2,933 |
| Noninterest income to average assets | 0.4004% | 3,087 |
| Noninterest expense to average assets | 1.9601% | 3,832 |
| Loan and lease loss provision to assets | 0.3259% | 267 |
| Net operating income to assets | 0.8222% | 3,350 |
| Return on assets (ROA) | 0.8667% | 3,305 |
| Pretax return on assets | 1.0877% | 3,140 |
| Return on Equity (ROE) | 10.0958% | 2,658 |
| Retained earnings to average equity (ytd only) | 10.0958% | 1,621 |
| Net charge-offs to loans | 0.0530% | 976 |
| Credit loss provision to net charge-offs | 917.8571% | 439 |
| Earnings coverage of net charge-offs (x) | 38.1607% | 1,001 |
| Efficiency ratio | 59.0896% | 3,145 |
| Assets per employee ($millions) | 7.9822% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,339 |
| Loan loss allowance to noncurrent loans | 64.1539% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.6405% | 359 |
| Noncurrent loans to loans | 2.4666% | 380 |
| Net loans and leases to total assets | 65.4541% | 1,872 |
| Net loans and leases to deposits | 77.7546% | 1,745 |
| Net loans and leases to core deposits | 101.2403% | 663 |
| Total domestic deposits to total assets | 84.1803% | 3,377 |
| Equity capital to assets | 8.4485% | 4,157 |
| Core capital (leverage) ratio | 8.4928% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4765% | 2,499 |
| Memoranda: | ||
| Average total assets | $1,261,793,000 | 787 |
| Average earning assets | $1,179,539,500 | 779 |
| Average equity | $108,322,500 | 948 |
| Average total loans | $845,411,000 | 773 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 2,654 |
| Cost of funding earning assets | 0.9139% | 821 |
| Net interest margin | 3.1118% | 3,602 |
| Noninterest income to average assets | 0.4057% | 3,066 |
| Noninterest expense to average assets | 2.0779% | 3,979 |
| Loan and lease loss provision to assets | 0.4076% | 754 |
| Net operating income to assets | 0.6251% | 3,668 |
| Return on assets (ROA) | 0.6825% | 3,618 |
| Pretax return on assets | 0.8743% | 3,437 |
| Return on Equity (ROE) | 8.2179% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.2179% | 989 |
| Net charge-offs to loans | 0.0752% | 1,734 |
| Credit loss provision to net charge-offs | 785.8097% | 915 |
| Earnings coverage of net charge-offs (x) | 23.2705% | 1,809 |
| Efficiency ratio | 63.2144% | 2,939 |
| Assets per employee ($millions) | 7.3185% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,438 |
| Loan loss allowance to noncurrent loans | 95.2015% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0981% | 832 |
| Noncurrent loans to loans | 1.6258% | 811 |
| Net loans and leases to total assets | 66.4980% | 2,019 |
| Net loans and leases to deposits | 79.4529% | 1,930 |
| Net loans and leases to core deposits | 106.1991% | 636 |
| Total domestic deposits to total assets | 83.6949% | 3,205 |
| Equity capital to assets | 8.7320% | 4,266 |
| Core capital (leverage) ratio | 8.6342% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1799% | 2,561 |
| Memoranda: | ||
| Average total assets | $1,154,882,200 | 776 |
| Average earning assets | $1,068,553,400 | 771 |
| Average equity | $95,912,800 | 994 |
| Average total loans | $796,767,400 | 788 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 2,725 |
| Cost of funding earning assets | 0.9804% | 815 |
| Net interest margin | 3.1008% | 3,735 |
| Noninterest income to average assets | 0.4870% | 2,666 |
| Noninterest expense to average assets | 2.0679% | 4,010 |
| Loan and lease loss provision to assets | 0.4563% | 697 |
| Net operating income to assets | 0.6607% | 3,596 |
| Return on assets (ROA) | 0.6407% | 3,754 |
| Pretax return on assets | 0.8031% | 3,636 |
| Return on Equity (ROE) | 7.8229% | 2,873 |
| Retained earnings to average equity (ytd only) | 7.8229% | 1,365 |
| Net charge-offs to loans | 0.0778% | 1,533 |
| Credit loss provision to net charge-offs | 844.9024% | 941 |
| Earnings coverage of net charge-offs (x) | 23.7267% | 1,783 |
| Efficiency ratio | 61.6986% | 3,121 |
| Assets per employee ($millions) | 7.4346% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,455 |
| Loan loss allowance to noncurrent loans | 91.4400% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 943 |
| Noncurrent loans to loans | 1.6135% | 872 |
| Net loans and leases to total assets | 67.5214% | 2,312 |
| Net loans and leases to deposits | 80.2231% | 2,292 |
| Net loans and leases to core deposits | 109.0430% | 729 |
| Total domestic deposits to total assets | 84.1670% | 2,762 |
| Equity capital to assets | 8.1957% | 4,637 |
| Core capital (leverage) ratio | 8.3473% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4027% | 2,816 |
| Memoranda: | ||
| Average total assets | $1,138,056,500 | 775 |
| Average earning assets | $1,050,552,750 | 766 |
| Average equity | $93,210,750 | 1,015 |
| Average total loans | $789,583,000 | 790 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 2,762 |
| Cost of funding earning assets | 1.1150% | 682 |
| Net interest margin | 3.0850% | 3,930 |
| Noninterest income to average assets | 0.5211% | 2,487 |
| Noninterest expense to average assets | 2.0770% | 4,078 |
| Loan and lease loss provision to assets | 0.3957% | 1,026 |
| Net operating income to assets | 0.7109% | 3,357 |
| Return on assets (ROA) | 0.6663% | 3,611 |
| Pretax return on assets | 0.8349% | 3,492 |
| Return on Equity (ROE) | 8.1371% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.1371% | 1,259 |
| Net charge-offs to loans | 0.0844% | 1,403 |
| Credit loss provision to net charge-offs | 672.6444% | 1,023 |
| Earnings coverage of net charge-offs (x) | 21.8237% | 1,643 |
| Efficiency ratio | 61.7558% | 3,165 |
| Assets per employee ($millions) | 7.5020% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 1,954 |
| Loan loss allowance to noncurrent loans | 125.8707% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 1,702 |
| Noncurrent loans to loans | 1.0402% | 1,499 |
| Net loans and leases to total assets | 68.4092% | 2,281 |
| Net loans and leases to deposits | 81.1698% | 2,296 |
| Net loans and leases to core deposits | 110.0915% | 737 |
| Total domestic deposits to total assets | 84.2792% | 2,647 |
| Equity capital to assets | 8.2083% | 4,631 |
| Core capital (leverage) ratio | 8.1667% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6379% | 2,755 |
| Memoranda: | ||
| Average total assets | $1,118,416,000 | 776 |
| Average earning assets | $1,029,560,667 | 766 |
| Average equity | $91,580,667 | 1,020 |
| Average total loans | $779,337,667 | 788 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 2,589 |
| Cost of funding earning assets | 1.2170% | 728 |
| Net interest margin | 3.1913% | 3,881 |
| Noninterest income to average assets | 0.6597% | 1,803 |
| Noninterest expense to average assets | 2.2010% | 4,002 |
| Loan and lease loss provision to assets | 0.3893% | 785 |
| Net operating income to assets | 0.7937% | 2,931 |
| Return on assets (ROA) | 0.7758% | 3,072 |
| Pretax return on assets | 0.9794% | 2,906 |
| Return on Equity (ROE) | 9.4860% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.4860% | 847 |
| Net charge-offs to loans | 0.0679% | 1,349 |
| Credit loss provision to net charge-offs | 820.7692% | 654 |
| Earnings coverage of net charge-offs (x) | 29.1923% | 1,199 |
| Efficiency ratio | 61.3412% | 3,573 |
| Assets per employee ($millions) | 7.0669% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,237 |
| Loan loss allowance to noncurrent loans | 205.8723% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,758 |
| Noncurrent loans to loans | 0.6217% | 2,439 |
| Net loans and leases to total assets | 67.2078% | 2,671 |
| Net loans and leases to deposits | 81.4365% | 2,530 |
| Net loans and leases to core deposits | 119.9166% | 466 |
| Total domestic deposits to total assets | 82.5279% | 3,256 |
| Equity capital to assets | 8.2687% | 4,907 |
| Core capital (leverage) ratio | 8.5915% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4768% | 2,486 |
| Memoranda: | ||
| Average total assets | $1,096,220,500 | 761 |
| Average earning assets | $1,005,100,000 | 754 |
| Average equity | $89,647,500 | 1,032 |
| Average total loans | $765,996,500 | 774 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 2,967 |
| Cost of funding earning assets | 1.3587% | 638 |
| Net interest margin | 3.1354% | 4,314 |
| Noninterest income to average assets | 0.3964% | 3,317 |
| Noninterest expense to average assets | 2.4847% | 3,494 |
| Loan and lease loss provision to assets | 0.1945% | 1,050 |
| Net operating income to assets | 0.4773% | 4,457 |
| Return on assets (ROA) | 0.5020% | 4,453 |
| Pretax return on assets | 0.6404% | 4,347 |
| Return on Equity (ROE) | 6.3644% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.3644% | 1,688 |
| Net charge-offs to loans | 0.0867% | 1,882 |
| Credit loss provision to net charge-offs | 326.0365% | 853 |
| Earnings coverage of net charge-offs (x) | 13.4677% | 2,358 |
| Efficiency ratio | 75.5190% | 1,417 |
| Assets per employee ($millions) | 7.0779% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 2,898 |
| Loan loss allowance to noncurrent loans | 165.2497% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 2,455 |
| Noncurrent loans to loans | 0.6713% | 2,206 |
| Net loans and leases to total assets | 70.8983% | 2,267 |
| Net loans and leases to deposits | 86.0184% | 2,085 |
| Net loans and leases to core deposits | 135.3320% | 217 |
| Total domestic deposits to total assets | 82.4223% | 3,390 |
| Equity capital to assets | 8.0861% | 5,042 |
| Core capital (leverage) ratio | 8.1967% | 4,977 |
| Tier 1 risk-based capital ratio | 11.1633% | 4,795 |
| Total risk-based capital ratio | 12.2831% | 4,751 |
| Memoranda: | ||
| Average total assets | $1,010,883,200 | 774 |
| Average earning assets | $932,277,600 | 768 |
| Average equity | $79,740,600 | 1,097 |
| Average total loans | $695,616,800 | 812 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 3,127 |
| Cost of funding earning assets | 1.3765% | 620 |
| Net interest margin | 3.1048% | 4,466 |
| Noninterest income to average assets | 0.4051% | 3,285 |
| Noninterest expense to average assets | 2.5696% | 3,245 |
| Loan and lease loss provision to assets | 0.1821% | 999 |
| Net operating income to assets | 0.3873% | 4,742 |
| Return on assets (ROA) | 0.4114% | 4,729 |
| Pretax return on assets | 0.5369% | 4,641 |
| Return on Equity (ROE) | 5.2514% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.2514% | 2,753 |
| Net charge-offs to loans | 0.0653% | 1,890 |
| Credit loss provision to net charge-offs | 410.3030% | 739 |
| Earnings coverage of net charge-offs (x) | 15.5060% | 2,180 |
| Efficiency ratio | 78.8215% | 1,034 |
| Assets per employee ($millions) | 6.8331% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,786 |
| Loan loss allowance to noncurrent loans | 156.4319% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 2,443 |
| Noncurrent loans to loans | 0.7336% | 2,129 |
| Net loans and leases to total assets | 68.1922% | 2,764 |
| Net loans and leases to deposits | 81.3306% | 2,763 |
| Net loans and leases to core deposits | 120.7545% | 512 |
| Total domestic deposits to total assets | 83.8457% | 2,878 |
| Equity capital to assets | 7.6619% | 5,175 |
| Core capital (leverage) ratio | 7.7760% | 5,150 |
| Tier 1 risk-based capital ratio | 10.9385% | 4,940 |
| Total risk-based capital ratio | 12.0963% | 4,872 |
| Memoranda: | ||
| Average total assets | $991,104,000 | 788 |
| Average earning assets | $910,703,250 | 792 |
| Average equity | $77,641,250 | 1,116 |
| Average total loans | $674,155,750 | 837 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,159 |
| Cost of funding earning assets | 1.3679% | 602 |
| Net interest margin | 3.0888% | 4,553 |
| Noninterest income to average assets | 0.4110% | 3,205 |
| Noninterest expense to average assets | 2.6803% | 2,976 |
| Loan and lease loss provision to assets | 0.1554% | 1,172 |
| Net operating income to assets | 0.3015% | 4,871 |
| Return on assets (ROA) | 0.3167% | 4,867 |
| Pretax return on assets | 0.4286% | 4,797 |
| Return on Equity (ROE) | 4.0106% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.0106% | 3,246 |
| Net charge-offs to loans | 0.0715% | 1,649 |
| Credit loss provision to net charge-offs | 320.8511% | 855 |
| Earnings coverage of net charge-offs (x) | 11.6468% | 2,195 |
| Efficiency ratio | 82.5670% | 764 |
| Assets per employee ($millions) | 6.2310% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,904 |
| Loan loss allowance to noncurrent loans | 208.4443% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 2,797 |
| Noncurrent loans to loans | 0.5418% | 2,648 |
| Net loans and leases to total assets | 67.8614% | 2,832 |
| Net loans and leases to deposits | 82.4179% | 2,682 |
| Net loans and leases to core deposits | 120.6722% | 526 |
| Total domestic deposits to total assets | 82.3382% | 3,428 |
| Equity capital to assets | 7.8110% | 5,206 |
| Core capital (leverage) ratio | 7.9006% | 5,187 |
| Tier 1 risk-based capital ratio | 11.1662% | 4,845 |
| Total risk-based capital ratio | 12.2983% | 4,803 |
| Memoranda: | ||
| Average total assets | $970,708,670 | 803 |
| Average earning assets | $890,390,670 | 804 |
| Average equity | $76,646,670 | 1,120 |
| Average total loans | $656,904,330 | 854 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 3,236 |
| Cost of funding earning assets | 1.3190% | 619 |
| Net interest margin | 3.0785% | 4,624 |
| Noninterest income to average assets | 0.3868% | 3,278 |
| Noninterest expense to average assets | 2.7779% | 2,652 |
| Loan and lease loss provision to assets | 0.0605% | 2,447 |
| Net operating income to assets | 0.2735% | 4,931 |
| Return on assets (ROA) | 0.2914% | 4,914 |
| Pretax return on assets | 0.4238% | 4,807 |
| Return on Equity (ROE) | 3.6692% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.6692% | 3,455 |
| Net charge-offs to loans | 0.1039% | 1,120 |
| Credit loss provision to net charge-offs | 86.7470% | 1,740 |
| Earnings coverage of net charge-offs (x) | 6.5843% | 2,182 |
| Efficiency ratio | 85.7532% | 601 |
| Assets per employee ($millions) | 5.8214% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,087 |
| Loan loss allowance to noncurrent loans | 215.1846% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 2,937 |
| Noncurrent loans to loans | 0.5148% | 2,772 |
| Net loans and leases to total assets | 66.8932% | 2,919 |
| Net loans and leases to deposits | 80.3614% | 2,795 |
| Net loans and leases to core deposits | 113.8022% | 751 |
| Total domestic deposits to total assets | 83.2404% | 3,301 |
| Equity capital to assets | 7.8756% | 5,208 |
| Core capital (leverage) ratio | 8.0842% | 5,186 |
| Tier 1 risk-based capital ratio | 11.7012% | 4,620 |
| Total risk-based capital ratio | 12.8179% | 4,590 |
| Memoranda: | ||
| Average total assets | $951,352,000 | 825 |
| Average earning assets | $880,961,500 | 821 |
| Average equity | $75,547,000 | 1,132 |
| Average total loans | $638,940,000 | 872 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 3,578 |
| Cost of funding earning assets | 0.9740% | 832 |
| Net interest margin | 3.1783% | 4,522 |
| Noninterest income to average assets | 0.4191% | 3,318 |
| Noninterest expense to average assets | 2.5670% | 3,422 |
| Loan and lease loss provision to assets | 0.1654% | 1,226 |
| Net operating income to assets | 0.5414% | 4,564 |
| Return on assets (ROA) | 0.5269% | 4,597 |
| Pretax return on assets | 0.6248% | 4,587 |
| Return on Equity (ROE) | 6.5468% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.5468% | 1,898 |
| Net charge-offs to loans | 0.2168% | 889 |
| Credit loss provision to net charge-offs | 113.6674% | 2,281 |
| Earnings coverage of net charge-offs (x) | 5.5513% | 3,184 |
| Efficiency ratio | 76.0077% | 1,363 |
| Assets per employee ($millions) | 5.8158% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,677 |
| Loan loss allowance to noncurrent loans | 340.1304% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,115 |
| Noncurrent loans to loans | 0.3463% | 3,303 |
| Net loans and leases to total assets | 65.8734% | 3,148 |
| Net loans and leases to deposits | 83.8530% | 2,525 |
| Net loans and leases to core deposits | 113.6929% | 791 |
| Total domestic deposits to total assets | 78.5582% | 4,401 |
| Equity capital to assets | 8.0094% | 5,161 |
| Core capital (leverage) ratio | 8.3097% | 5,111 |
| Tier 1 risk-based capital ratio | 12.4908% | 4,145 |
| Total risk-based capital ratio | 13.6936% | 4,046 |
| Memoranda: | ||
| Average total assets | $904,873,000 | 840 |
| Average earning assets | $841,562,200 | 835 |
| Average equity | $72,830,000 | 1,118 |
| Average total loans | $607,454,200 | 884 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,683 |
| Cost of funding earning assets | 0.9035% | 907 |
| Net interest margin | 3.1818% | 4,547 |
| Noninterest income to average assets | 0.4219% | 3,341 |
| Noninterest expense to average assets | 2.5620% | 3,406 |
| Loan and lease loss provision to assets | 0.1782% | 1,024 |
| Net operating income to assets | 0.5276% | 4,701 |
| Return on assets (ROA) | 0.5080% | 4,746 |
| Pretax return on assets | 0.6202% | 4,698 |
| Return on Equity (ROE) | 6.3033% | 4,170 |
| Retained earnings to average equity (ytd only) | 6.3033% | 2,489 |
| Net charge-offs to loans | 0.1154% | 1,355 |
| Credit loss provision to net charge-offs | 229.6367% | 1,251 |
| Earnings coverage of net charge-offs (x) | 10.6041% | 2,573 |
| Efficiency ratio | 75.6335% | 1,393 |
| Assets per employee ($millions) | 6.0962% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,326 |
| Loan loss allowance to noncurrent loans | 166.8234% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 2,583 |
| Noncurrent loans to loans | 0.7535% | 2,207 |
| Net loans and leases to total assets | 66.5989% | 3,112 |
| Net loans and leases to deposits | 80.5386% | 2,979 |
| Net loans and leases to core deposits | 111.4455% | 944 |
| Total domestic deposits to total assets | 82.6919% | 3,408 |
| Equity capital to assets | 7.9715% | 5,189 |
| Core capital (leverage) ratio | 8.3662% | 5,165 |
| Tier 1 risk-based capital ratio | 12.3440% | 4,289 |
| Total risk-based capital ratio | 13.5945% | 4,180 |
| Memoranda: | ||
| Average total assets | $898,458,000 | 850 |
| Average earning assets | $836,693,750 | 843 |
| Average equity | $72,405,000 | 1,124 |
| Average total loans | $604,247,750 | 881 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,653 |
| Cost of funding earning assets | 0.8297% | 1,007 |
| Net interest margin | 3.2090% | 4,477 |
| Noninterest income to average assets | 0.4264% | 3,316 |
| Noninterest expense to average assets | 2.5582% | 3,450 |
| Loan and lease loss provision to assets | 0.2042% | 832 |
| Net operating income to assets | 0.5576% | 4,610 |
| Return on assets (ROA) | 0.5360% | 4,672 |
| Pretax return on assets | 0.6311% | 4,681 |
| Return on Equity (ROE) | 6.6260% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.6260% | 2,245 |
| Net charge-offs to loans | 0.1440% | 1,060 |
| Credit loss provision to net charge-offs | 211.1369% | 1,257 |
| Earnings coverage of net charge-offs (x) | 8.9049% | 2,435 |
| Efficiency ratio | 74.7572% | 1,600 |
| Assets per employee ($millions) | 6.0574% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,419 |
| Loan loss allowance to noncurrent loans | 139.6951% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 2,386 |
| Noncurrent loans to loans | 0.8966% | 1,929 |
| Net loans and leases to total assets | 66.4330% | 3,074 |
| Net loans and leases to deposits | 81.1945% | 2,843 |
| Net loans and leases to core deposits | 111.1072% | 933 |
| Total domestic deposits to total assets | 81.8196% | 3,778 |
| Equity capital to assets | 8.0571% | 5,203 |
| Core capital (leverage) ratio | 8.3466% | 5,190 |
| Tier 1 risk-based capital ratio | 12.5363% | 4,159 |
| Total risk-based capital ratio | 13.7868% | 4,059 |
| Memoranda: | ||
| Average total assets | $891,099,670 | 858 |
| Average earning assets | $831,170,000 | 853 |
| Average equity | $72,080,000 | 1,128 |
| Average total loans | $598,707,330 | 889 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,685 |
| Cost of funding earning assets | 0.7795% | 1,050 |
| Net interest margin | 3.2014% | 4,450 |
| Noninterest income to average assets | 0.4188% | 3,324 |
| Noninterest expense to average assets | 2.4261% | 3,873 |
| Loan and lease loss provision to assets | 0.2769% | 492 |
| Net operating income to assets | 0.5968% | 4,436 |
| Return on assets (ROA) | 0.5426% | 4,604 |
| Pretax return on assets | 0.6470% | 4,575 |
| Return on Equity (ROE) | 6.6945% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.6945% | 2,416 |
| Net charge-offs to loans | 0.1938% | 760 |
| Credit loss provision to net charge-offs | 212.8472% | 1,009 |
| Earnings coverage of net charge-offs (x) | 7.5764% | 2,074 |
| Efficiency ratio | 71.0540% | 2,326 |
| Assets per employee ($millions) | 6.0559% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,655 |
| Loan loss allowance to noncurrent loans | 115.4478% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 2,101 |
| Noncurrent loans to loans | 1.0614% | 1,725 |
| Net loans and leases to total assets | 67.4683% | 2,827 |
| Net loans and leases to deposits | 80.1805% | 2,791 |
| Net loans and leases to core deposits | 110.9052% | 953 |
| Total domestic deposits to total assets | 84.1454% | 3,267 |
| Equity capital to assets | 8.0862% | 5,235 |
| Core capital (leverage) ratio | 8.1755% | 5,329 |
| Tier 1 risk-based capital ratio | 12.2224% | 4,418 |
| Total risk-based capital ratio | 13.4725% | 4,317 |
| Memoranda: | ||
| Average total assets | $885,369,500 | 868 |
| Average earning assets | $827,754,000 | 859 |
| Average equity | $71,760,000 | 1,140 |
| Average total loans | $594,459,500 | 901 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 3,911 |
| Cost of funding earning assets | 0.6425% | 1,341 |
| Net interest margin | 3.1990% | 4,450 |
| Noninterest income to average assets | 0.4226% | 3,488 |
| Noninterest expense to average assets | 2.5397% | 3,640 |
| Loan and lease loss provision to assets | 0.2150% | 917 |
| Net operating income to assets | 0.4529% | 4,522 |
| Return on assets (ROA) | 0.4663% | 4,504 |
| Pretax return on assets | 0.6692% | 4,582 |
| Return on Equity (ROE) | 5.5028% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.5028% | 1,814 |
| Net charge-offs to loans | 0.1642% | 1,493 |
| Credit loss provision to net charge-offs | 198.7640% | 1,375 |
| Earnings coverage of net charge-offs (x) | 8.0292% | 2,964 |
| Efficiency ratio | 74.4606% | 1,831 |
| Assets per employee ($millions) | 6.2887% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,621 |
| Loan loss allowance to noncurrent loans | 145.6069% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 2,514 |
| Noncurrent loans to loans | 0.8426% | 2,111 |
| Net loans and leases to total assets | 65.1649% | 3,204 |
| Net loans and leases to deposits | 78.6591% | 3,044 |
| Net loans and leases to core deposits | 107.9315% | 1,136 |
| Total domestic deposits to total assets | 82.8446% | 3,611 |
| Equity capital to assets | 8.1141% | 5,345 |
| Core capital (leverage) ratio | 8.0563% | 5,420 |
| Tier 1 risk-based capital ratio | 12.5393% | 4,180 |
| Total risk-based capital ratio | 13.7895% | 4,081 |
| Memoranda: | ||
| Average total assets | $822,815,000 | 908 |
| Average earning assets | $767,932,000 | 896 |
| Average equity | $69,727,600 | 1,139 |
| Average total loans | $541,898,600 | 944 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 3,975 |
| Cost of funding earning assets | 0.6019% | 1,518 |
| Net interest margin | 3.2078% | 4,433 |
| Noninterest income to average assets | 0.4245% | 3,522 |
| Noninterest expense to average assets | 2.4879% | 3,776 |
| Loan and lease loss provision to assets | 0.2032% | 932 |
| Net operating income to assets | 0.5504% | 4,574 |
| Return on assets (ROA) | 0.5446% | 4,632 |
| Pretax return on assets | 0.7230% | 4,552 |
| Return on Equity (ROE) | 6.3529% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.3529% | 2,030 |
| Net charge-offs to loans | 0.2132% | 1,012 |
| Credit loss provision to net charge-offs | 144.7709% | 1,735 |
| Earnings coverage of net charge-offs (x) | 6.6228% | 2,966 |
| Efficiency ratio | 72.7426% | 2,086 |
| Assets per employee ($millions) | 6.3773% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 3,090 |
| Loan loss allowance to noncurrent loans | 136.8291% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,617 |
| Noncurrent loans to loans | 0.8551% | 2,228 |
| Net loans and leases to total assets | 64.0833% | 3,388 |
| Net loans and leases to deposits | 77.5586% | 3,218 |
| Net loans and leases to core deposits | 106.8189% | 1,212 |
| Total domestic deposits to total assets | 82.6256% | 3,578 |
| Equity capital to assets | 8.1694% | 5,451 |
| Core capital (leverage) ratio | 8.5266% | 5,229 |
| Tier 1 risk-based capital ratio | 12.7043% | 4,201 |
| Total risk-based capital ratio | 13.9195% | 4,118 |
| Memoranda: | ||
| Average total assets | $808,414,000 | 925 |
| Average earning assets | $754,279,000 | 917 |
| Average equity | $69,300,000 | 1,155 |
| Average total loans | $532,160,750 | 964 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,832 |
| Cost of funding earning assets | 0.5681% | 1,662 |
| Net interest margin | 3.2507% | 4,265 |
| Noninterest income to average assets | 0.4360% | 3,447 |
| Noninterest expense to average assets | 2.5061% | 3,729 |
| Loan and lease loss provision to assets | 0.2064% | 873 |
| Net operating income to assets | 0.5876% | 4,358 |
| Return on assets (ROA) | 0.5621% | 4,512 |
| Pretax return on assets | 0.7259% | 4,485 |
| Return on Equity (ROE) | 6.4453% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.4453% | 1,878 |
| Net charge-offs to loans | 0.3077% | 659 |
| Credit loss provision to net charge-offs | 101.3733% | 1,989 |
| Earnings coverage of net charge-offs (x) | 4.7154% | 2,895 |
| Efficiency ratio | 72.2385% | 2,297 |
| Assets per employee ($millions) | 5.9164% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,368 |
| Loan loss allowance to noncurrent loans | 142.4539% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 2,690 |
| Noncurrent loans to loans | 0.8004% | 2,403 |
| Net loans and leases to total assets | 66.9408% | 2,959 |
| Net loans and leases to deposits | 83.5478% | 2,541 |
| Net loans and leases to core deposits | 115.5795% | 734 |
| Total domestic deposits to total assets | 80.1227% | 4,384 |
| Equity capital to assets | 8.6928% | 5,150 |
| Core capital (leverage) ratio | 8.5189% | 5,203 |
| Tier 1 risk-based capital ratio | 12.6953% | 4,185 |
| Total risk-based capital ratio | 13.8603% | 4,145 |
| Memoranda: | ||
| Average total assets | $786,656,000 | 956 |
| Average earning assets | $733,323,000 | 951 |
| Average equity | $68,608,330 | 1,172 |
| Average total loans | $520,709,000 | 985 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 3,709 |
| Cost of funding earning assets | 0.5374% | 1,806 |
| Net interest margin | 3.2787% | 4,088 |
| Noninterest income to average assets | 0.4347% | 3,417 |
| Noninterest expense to average assets | 2.5408% | 3,688 |
| Loan and lease loss provision to assets | 0.2008% | 821 |
| Net operating income to assets | 0.5703% | 4,279 |
| Return on assets (ROA) | 0.5468% | 4,436 |
| Pretax return on assets | 0.7254% | 4,369 |
| Return on Equity (ROE) | 6.2586% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.2586% | 2,210 |
| Net charge-offs to loans | 0.5306% | 340 |
| Credit loss provision to net charge-offs | 57.8869% | 1,926 |
| Earnings coverage of net charge-offs (x) | 2.7455% | 2,556 |
| Efficiency ratio | 72.6722% | 2,458 |
| Assets per employee ($millions) | 6.1181% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,450 |
| Loan loss allowance to noncurrent loans | 162.1533% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 3,050 |
| Noncurrent loans to loans | 0.7058% | 2,726 |
| Net loans and leases to total assets | 64.2762% | 3,237 |
| Net loans and leases to deposits | 76.3190% | 3,164 |
| Net loans and leases to core deposits | 102.3579% | 1,342 |
| Total domestic deposits to total assets | 84.2204% | 3,386 |
| Equity capital to assets | 8.5493% | 5,202 |
| Core capital (leverage) ratio | 8.5935% | 5,157 |
| Tier 1 risk-based capital ratio | 13.3373% | 3,867 |
| Total risk-based capital ratio | 14.5238% | 3,823 |
| Memoranda: | ||
| Average total assets | $774,710,000 | 971 |
| Average earning assets | $722,722,500 | 958 |
| Average equity | $67,683,000 | 1,181 |
| Average total loans | $506,641,000 | 1,005 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5172% | 4,743 |
| Cost of funding earning assets | 0.4254% | 2,754 |
| Net interest margin | 3.0918% | 4,749 |
| Noninterest income to average assets | 0.4584% | 3,488 |
| Noninterest expense to average assets | 2.5300% | 3,920 |
| Loan and lease loss provision to assets | 0.1284% | 1,934 |
| Net operating income to assets | 0.4953% | 4,652 |
| Return on assets (ROA) | 0.5410% | 4,566 |
| Pretax return on assets | 0.7250% | 4,408 |
| Return on Equity (ROE) | 5.7729% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.7729% | 1,841 |
| Net charge-offs to loans | 0.0903% | 2,407 |
| Credit loss provision to net charge-offs | 231.3107% | 1,245 |
| Earnings coverage of net charge-offs (x) | 14.2573% | 2,305 |
| Efficiency ratio | 76.1094% | 1,966 |
| Assets per employee ($millions) | 5.7096% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,706 |
| Loan loss allowance to noncurrent loans | 129.8753% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 2,560 |
| Noncurrent loans to loans | 0.9773% | 2,138 |
| Net loans and leases to total assets | 64.9665% | 3,221 |
| Net loans and leases to deposits | 78.7435% | 3,015 |
| Net loans and leases to core deposits | 113.0049% | 735 |
| Total domestic deposits to total assets | 82.5039% | 3,935 |
| Equity capital to assets | 8.9372% | 4,874 |
| Core capital (leverage) ratio | 9.0557% | 4,677 |
| Tier 1 risk-based capital ratio | 13.5405% | 3,747 |
| Total risk-based capital ratio | 14.7909% | 3,652 |
| Memoranda: | ||
| Average total assets | $742,296,200 | 974 |
| Average earning assets | $687,331,000 | 971 |
| Average equity | $69,566,600 | 1,131 |
| Average total loans | $456,173,600 | 1,077 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 4,859 |
| Cost of funding earning assets | 0.4088% | 2,937 |
| Net interest margin | 3.0737% | 4,850 |
| Noninterest income to average assets | 0.4747% | 3,410 |
| Noninterest expense to average assets | 2.5213% | 3,920 |
| Loan and lease loss provision to assets | 0.1227% | 1,897 |
| Net operating income to assets | 0.4967% | 4,710 |
| Return on assets (ROA) | 0.5181% | 4,734 |
| Pretax return on assets | 0.7024% | 4,603 |
| Return on Equity (ROE) | 5.4644% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.4644% | 2,506 |
| Net charge-offs to loans | 0.0781% | 2,205 |
| Credit loss provision to net charge-offs | 260.3053% | 1,162 |
| Earnings coverage of net charge-offs (x) | 16.8552% | 2,087 |
| Efficiency ratio | 75.9687% | 1,976 |
| Assets per employee ($millions) | 5.5537% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,718 |
| Loan loss allowance to noncurrent loans | 157.5212% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 3,000 |
| Noncurrent loans to loans | 0.8214% | 2,618 |
| Net loans and leases to total assets | 65.2289% | 3,246 |
| Net loans and leases to deposits | 83.2299% | 2,580 |
| Net loans and leases to core deposits | 105.0616% | 1,274 |
| Total domestic deposits to total assets | 78.3719% | 4,839 |
| Equity capital to assets | 9.4341% | 4,736 |
| Core capital (leverage) ratio | 9.6917% | 3,947 |
| Tier 1 risk-based capital ratio | 13.8492% | 3,637 |
| Total risk-based capital ratio | 15.1148% | 3,554 |
| Memoranda: | ||
| Average total assets | $740,881,500 | 977 |
| Average earning assets | $684,856,000 | 974 |
| Average equity | $70,246,750 | 1,125 |
| Average total loans | $447,175,250 | 1,095 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3564% | 5,171 |
| Cost of funding earning assets | 0.3875% | 3,177 |
| Net interest margin | 2.9689% | 5,135 |
| Noninterest income to average assets | 0.4611% | 3,453 |
| Noninterest expense to average assets | 2.4797% | 4,088 |
| Loan and lease loss provision to assets | 0.0961% | 2,234 |
| Net operating income to assets | 0.4711% | 4,794 |
| Return on assets (ROA) | 0.5014% | 4,782 |
| Pretax return on assets | 0.6715% | 4,705 |
| Return on Equity (ROE) | 5.2802% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.2802% | 2,560 |
| Net charge-offs to loans | 0.0620% | 2,308 |
| Credit loss provision to net charge-offs | 264.7059% | 1,059 |
| Earnings coverage of net charge-offs (x) | 19.9559% | 1,748 |
| Efficiency ratio | 77.3186% | 1,884 |
| Assets per employee ($millions) | 5.1560% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,697 |
| Loan loss allowance to noncurrent loans | 115.1680% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 2,482 |
| Noncurrent loans to loans | 1.1427% | 2,014 |
| Net loans and leases to total assets | 66.3406% | 3,035 |
| Net loans and leases to deposits | 83.1012% | 2,579 |
| Net loans and leases to core deposits | 105.6318% | 1,206 |
| Total domestic deposits to total assets | 79.8311% | 4,588 |
| Equity capital to assets | 9.9288% | 4,307 |
| Core capital (leverage) ratio | 9.6654% | 3,978 |
| Tier 1 risk-based capital ratio | 14.6214% | 3,241 |
| Total risk-based capital ratio | 15.8877% | 3,176 |
| Memoranda: | ||
| Average total assets | $749,033,330 | 965 |
| Average earning assets | $692,116,670 | 964 |
| Average equity | $71,133,000 | 1,112 |
| Average total loans | $438,419,330 | 1,115 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1668% | 6,096 |
| Cost of funding earning assets | 0.1577% | 5,554 |
| Net interest margin | 1.0091% | 6,094 |
| Noninterest income to average assets | 0.0110% | 6,048 |
| Noninterest expense to average assets | 0.2431% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5267% | 4,518 |
| Return on assets (ROA) | 0.6463% | 4,112 |
| Pretax return on assets | 0.9087% | 3,813 |
| Return on Equity (ROE) | 10.7753% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.7753% | 695 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7191% | 6,092 |
| Assets per employee ($millions) | 164.9490% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 94.3061% | 18 |
| Equity capital to assets | 5.4247% | 6,081 |
| Core capital (leverage) ratio | 5.5008% | 6,077 |
| Tier 1 risk-based capital ratio | 22.1544% | 1,143 |
| Total risk-based capital ratio | 22.1544% | 1,303 |
| Memoranda: | ||
| Average total assets | $144,823,000 | 3,655 |
| Average earning assets | $139,523,500 | 3,566 |
| Average equity | $8,686,500 | 4,922 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4281% | 6,130 |
| Cost of funding earning assets | 0.1688% | 5,546 |
| Net interest margin | 1.2592% | 6,130 |
| Noninterest income to average assets | 0.0167% | 6,073 |
| Noninterest expense to average assets | 0.2836% | 6,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6670% | 3,968 |
| Return on assets (ROA) | 0.7621% | 3,602 |
| Pretax return on assets | 1.0880% | 3,118 |
| Return on Equity (ROE) | 9.4266% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.4266% | 552 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9482% | 6,159 |
| Assets per employee ($millions) | 124.6970% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 91.8218% | 128 |
| Equity capital to assets | 6.7564% | 6,080 |
| Core capital (leverage) ratio | 6.6288% | 6,084 |
| Tier 1 risk-based capital ratio | 30.9626% | 465 |
| Total risk-based capital ratio | 30.9626% | 509 |
| Memoranda: | ||
| Average total assets | $101,561,400 | 4,432 |
| Average earning assets | $98,314,800 | 4,329 |
| Average equity | $8,210,800 | 5,022 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4956% | 6,219 |
| Cost of funding earning assets | 0.1622% | 5,688 |
| Net interest margin | 1.3335% | 6,216 |
| Noninterest income to average assets | 0.0084% | 6,175 |
| Noninterest expense to average assets | 0.2896% | 6,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7012% | 3,898 |
| Return on assets (ROA) | 0.8269% | 3,380 |
| Pretax return on assets | 1.1805% | 2,888 |
| Return on Equity (ROE) | 9.7089% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.7089% | 690 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4380% | 6,246 |
| Assets per employee ($millions) | 108.2180% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 91.8701% | 110 |
| Equity capital to assets | 7.8832% | 5,998 |
| Core capital (leverage) ratio | 7.9951% | 5,907 |
| Tier 1 risk-based capital ratio | 34.7287% | 349 |
| Total risk-based capital ratio | 34.7287% | 391 |
| Memoranda: | ||
| Average total assets | $95,777,500 | 4,597 |
| Average earning assets | $92,087,250 | 4,519 |
| Average equity | $8,157,250 | 5,096 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5070% | 6,297 |
| Cost of funding earning assets | 0.1516% | 5,833 |
| Net interest margin | 1.3554% | 6,289 |
| Noninterest income to average assets | 0.0022% | 6,258 |
| Noninterest expense to average assets | 0.2816% | 6,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7196% | 3,796 |
| Return on assets (ROA) | 0.7945% | 3,508 |
| Pretax return on assets | 1.1350% | 3,030 |
| Return on Equity (ROE) | 9.0630% | 2,502 |
| Retained earnings to average equity (ytd only) | 9.0630% | 897 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.5000% | 6,323 |
| Assets per employee ($millions) | 98.7580% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 90.8250% | 347 |
| Equity capital to assets | 8.1381% | 5,920 |
| Core capital (leverage) ratio | 7.6758% | 6,045 |
| Tier 1 risk-based capital ratio | 38.5671% | 283 |
| Total risk-based capital ratio | 38.5671% | 299 |
| Memoranda: | ||
| Average total assets | $91,630,670 | 4,735 |
| Average earning assets | $88,389,670 | 4,629 |
| Average equity | $8,032,670 | 5,159 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5012% | 6,367 |
| Cost of funding earning assets | 0.1568% | 5,875 |
| Net interest margin | 1.3444% | 6,362 |
| Noninterest income to average assets | 0.0045% | 6,322 |
| Noninterest expense to average assets | 0.2861% | 6,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6995% | 3,802 |
| Return on assets (ROA) | 0.6995% | 3,931 |
| Pretax return on assets | 1.0038% | 3,485 |
| Return on Equity (ROE) | 7.6708% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.6708% | 1,697 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1831% | 6,392 |
| Assets per employee ($millions) | 104.5120% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 91.7837% | 179 |
| Equity capital to assets | 7.8575% | 6,083 |
| Core capital (leverage) ratio | 8.2084% | 5,800 |
| Tier 1 risk-based capital ratio | 30.3530% | 525 |
| Total risk-based capital ratio | 30.3530% | 578 |
| Memoranda: | ||
| Average total assets | $88,067,000 | 4,860 |
| Average earning assets | $84,198,500 | 4,767 |
| Average equity | $8,030,500 | 5,206 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5722% | 6,447 |
| Cost of funding earning assets | 0.1929% | 5,812 |
| Net interest margin | 1.3793% | 6,441 |
| Noninterest income to average assets | 0.0076% | 6,378 |
| Noninterest expense to average assets | 0.3171% | 6,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7235% | 3,777 |
| Return on assets (ROA) | 0.8131% | 3,396 |
| Pretax return on assets | 1.1607% | 2,821 |
| Return on Equity (ROE) | 8.7088% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.7088% | 766 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4962% | 6,484 |
| Assets per employee ($millions) | 71.6220% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 88.6264% | 1,455 |
| Equity capital to assets | 10.9589% | 2,934 |
| Core capital (leverage) ratio | 9.1891% | 4,694 |
| Tier 1 risk-based capital ratio | 51.8631% | 126 |
| Total risk-based capital ratio | 51.8631% | 130 |
| Memoranda: | ||
| Average total assets | $78,830,600 | 5,096 |
| Average earning assets | $76,705,800 | 4,965 |
| Average equity | $7,360,400 | 5,334 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5475% | 6,535 |
| Cost of funding earning assets | 0.1888% | 5,927 |
| Net interest margin | 1.3588% | 6,528 |
| Noninterest income to average assets | 0.0066% | 6,464 |
| Noninterest expense to average assets | 0.3059% | 6,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7309% | 3,782 |
| Return on assets (ROA) | 0.7309% | 3,886 |
| Pretax return on assets | 1.0219% | 3,512 |
| Return on Equity (ROE) | 8.1417% | 3,129 |
| Retained earnings to average equity (ytd only) | 8.1417% | 1,294 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.0386% | 6,564 |
| Assets per employee ($millions) | 86.2330% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 90.9779% | 370 |
| Equity capital to assets | 8.7971% | 5,555 |
| Core capital (leverage) ratio | 8.7752% | 5,364 |
| Tier 1 risk-based capital ratio | 38.8192% | 260 |
| Total risk-based capital ratio | 38.8192% | 284 |
| Memoranda: | ||
| Average total assets | $80,632,750 | 5,103 |
| Average earning assets | $78,401,500 | 4,969 |
| Average equity | $7,238,250 | 5,405 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5624% | 6,599 |
| Cost of funding earning assets | 0.1797% | 6,072 |
| Net interest margin | 1.3827% | 6,593 |
| Noninterest income to average assets | 0.0076% | 6,532 |
| Noninterest expense to average assets | 0.3047% | 6,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7516% | 3,560 |
| Return on assets (ROA) | 0.7516% | 3,659 |
| Pretax return on assets | 1.0512% | 3,277 |
| Return on Equity (ROE) | 8.3119% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.3119% | 1,207 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4719% | 6,634 |
| Assets per employee ($millions) | 89.3670% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 91.1198% | 373 |
| Equity capital to assets | 8.3319% | 5,930 |
| Core capital (leverage) ratio | 8.8272% | 5,255 |
| Tier 1 risk-based capital ratio | 37.4660% | 288 |
| Total risk-based capital ratio | 37.4660% | 311 |
| Memoranda: | ||
| Average total assets | $78,766,000 | 5,191 |
| Average earning assets | $76,804,670 | 5,050 |
| Average equity | $7,122,330 | 5,460 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6237% | 6,670 |
| Cost of funding earning assets | 0.1742% | 6,202 |
| Net interest margin | 1.4495% | 6,660 |
| Noninterest income to average assets | 0.0163% | 6,577 |
| Noninterest expense to average assets | 0.3212% | 6,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7949% | 3,179 |
| Return on assets (ROA) | 0.7949% | 3,253 |
| Pretax return on assets | 1.0998% | 2,898 |
| Return on Equity (ROE) | 8.3902% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.3902% | 1,459 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.6054% | 6,704 |
| Assets per employee ($millions) | 85.5470% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 91.1943% | 486 |
| Equity capital to assets | 8.3042% | 5,819 |
| Core capital (leverage) ratio | 9.1591% | 4,777 |
| Tier 1 risk-based capital ratio | 35.9600% | 320 |
| Total risk-based capital ratio | 35.9600% | 354 |
| Memoranda: | ||
| Average total assets | $73,465,500 | 5,350 |
| Average earning assets | $71,196,500 | 5,251 |
| Average equity | $6,960,500 | 5,531 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6180% | 6,742 |
| Cost of funding earning assets | 0.1745% | 6,420 |
| Net interest margin | 1.4436% | 6,726 |
| Noninterest income to average assets | 0.0032% | 6,639 |
| Noninterest expense to average assets | 0.4065% | 6,790 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7399% | 3,609 |
| Return on assets (ROA) | 0.7553% | 3,611 |
| Pretax return on assets | 1.0210% | 3,265 |
| Return on Equity (ROE) | 6.6920% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.6920% | 1,582 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.8965% | 6,769 |
| Assets per employee ($millions) | 61.3840% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 88.3667% | 1,967 |
| Equity capital to assets | 11.1055% | 2,519 |
| Core capital (leverage) ratio | 10.5238% | 2,896 |
| Tier 1 risk-based capital ratio | 48.7016% | 144 |
| Total risk-based capital ratio | 48.7016% | 150 |
| Memoranda: | ||
| Average total assets | $62,488,400 | 5,692 |
| Average earning assets | $60,753,000 | 5,568 |
| Average equity | $7,053,200 | 5,551 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5945% | 6,827 |
| Cost of funding earning assets | 0.1726% | 6,537 |
| Net interest margin | 1.4220% | 6,812 |
| Noninterest income to average assets | 0.0043% | 6,728 |
| Noninterest expense to average assets | 0.4206% | 6,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7064% | 3,823 |
| Return on assets (ROA) | 0.7265% | 3,847 |
| Pretax return on assets | 0.9942% | 3,525 |
| Return on Equity (ROE) | 6.4113% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.4113% | 2,181 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3216% | 6,830 |
| Assets per employee ($millions) | 62.0620% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 88.5179% | 1,833 |
| Equity capital to assets | 10.9536% | 2,804 |
| Core capital (leverage) ratio | 11.5029% | 2,038 |
| Tier 1 risk-based capital ratio | 47.9955% | 149 |
| Total risk-based capital ratio | 47.9955% | 156 |
| Memoranda: | ||
| Average total assets | $62,764,500 | 5,746 |
| Average earning assets | $61,040,500 | 5,625 |
| Average equity | $7,112,250 | 5,605 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5707% | 6,877 |
| Cost of funding earning assets | 0.1821% | 6,561 |
| Net interest margin | 1.3886% | 6,864 |
| Noninterest income to average assets | 0.0032% | 6,782 |
| Noninterest expense to average assets | 0.4222% | 6,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6842% | 3,883 |
| Return on assets (ROA) | 0.7143% | 3,912 |
| Pretax return on assets | 0.9778% | 3,612 |
| Return on Equity (ROE) | 6.2353% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.2353% | 2,302 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0748% | 6,871 |
| Assets per employee ($millions) | 61.8590% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 88.5207% | 1,900 |
| Equity capital to assets | 10.8327% | 2,914 |
| Core capital (leverage) ratio | 10.0053% | 3,509 |
| Tier 1 risk-based capital ratio | 47.2296% | 148 |
| Total risk-based capital ratio | 47.2296% | 161 |
| Memoranda: | ||
| Average total assets | $62,998,670 | 5,779 |
| Average earning assets | $61,502,000 | 5,653 |
| Average equity | $7,217,000 | 5,626 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5016% | 6,964 |
| Cost of funding earning assets | 0.1861% | 6,641 |
| Net interest margin | 1.3155% | 6,953 |
| Noninterest income to average assets | 0.0063% | 6,838 |
| Noninterest expense to average assets | 0.4153% | 7,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6418% | 4,005 |
| Return on assets (ROA) | 0.6418% | 4,167 |
| Pretax return on assets | 0.8809% | 3,831 |
| Return on Equity (ROE) | 5.4582% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.4582% | 2,975 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0388% | 6,949 |
| Assets per employee ($millions) | 74.2290% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 89.0851% | 1,635 |
| Equity capital to assets | 10.0392% | 4,100 |
| Core capital (leverage) ratio | 9.4733% | 4,130 |
| Tier 1 risk-based capital ratio | 40.8108% | 219 |
| Total risk-based capital ratio | 40.8108% | 237 |
| Memoranda: | ||
| Average total assets | $63,568,500 | 5,817 |
| Average earning assets | $62,334,500 | 5,668 |
| Average equity | $7,475,000 | 5,626 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6631% | 7,014 |
| Cost of funding earning assets | 0.2552% | 6,648 |
| Net interest margin | 1.4079% | 7,004 |
| Noninterest income to average assets | 0.0105% | 6,796 |
| Noninterest expense to average assets | 0.4058% | 7,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7183% | 3,651 |
| Return on assets (ROA) | 0.9627% | 2,725 |
| Pretax return on assets | 1.3018% | 2,387 |
| Return on Equity (ROE) | 7.5240% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.5240% | 1,323 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4643% | 7,024 |
| Assets per employee ($millions) | 52.9080% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 83.6735% | 4,463 |
| Equity capital to assets | 14.1718% | 979 |
| Core capital (leverage) ratio | 12.1431% | 1,484 |
| Tier 1 risk-based capital ratio | 56.6015% | 110 |
| Total risk-based capital ratio | 56.6015% | 115 |
| Memoranda: | ||
| Average total assets | $56,920,400 | 6,000 |
| Average earning assets | $55,258,000 | 5,878 |
| Average equity | $7,283,400 | 5,690 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7164% | 7,123 |
| Cost of funding earning assets | 0.2683% | 6,737 |
| Net interest margin | 1.4481% | 7,113 |
| Noninterest income to average assets | 0.0046% | 6,921 |
| Noninterest expense to average assets | 0.3913% | 7,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7631% | 3,634 |
| Return on assets (ROA) | 1.0151% | 2,660 |
| Pretax return on assets | 1.3535% | 2,401 |
| Return on Equity (ROE) | 8.1329% | 3,219 |
| Retained earnings to average equity (ytd only) | 8.1329% | 1,561 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7778% | 7,128 |
| Assets per employee ($millions) | 52.6730% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 84.4076% | 4,029 |
| Equity capital to assets | 14.3717% | 1,013 |
| Core capital (leverage) ratio | 12.4355% | 1,436 |
| Tier 1 risk-based capital ratio | 53.7857% | 123 |
| Total risk-based capital ratio | 53.7857% | 126 |
| Memoranda: | ||
| Average total assets | $57,923,500 | 6,043 |
| Average earning assets | $56,163,250 | 5,929 |
| Average equity | $7,229,750 | 5,763 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7084% | 7,195 |
| Cost of funding earning assets | 0.2991% | 6,747 |
| Net interest margin | 1.4094% | 7,184 |
| Noninterest income to average assets | 0.0034% | 6,980 |
| Noninterest expense to average assets | 0.3653% | 7,227 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7608% | 3,552 |
| Return on assets (ROA) | 1.0826% | 2,333 |
| Pretax return on assets | 1.4412% | 2,048 |
| Return on Equity (ROE) | 9.0777% | 2,785 |
| Retained earnings to average equity (ytd only) | 9.0777% | 1,248 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5207% | 7,190 |
| Assets per employee ($millions) | 55.7170% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 85.9773% | 3,362 |
| Equity capital to assets | 13.1199% | 1,463 |
| Core capital (leverage) ratio | 9.9176% | 3,535 |
| Tier 1 risk-based capital ratio | 51.5421% | 128 |
| Total risk-based capital ratio | 51.5421% | 129 |
| Memoranda: | ||
| Average total assets | $59,673,670 | 6,038 |
| Average earning assets | $58,182,000 | 5,901 |
| Average equity | $7,116,330 | 5,813 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6193% | 7,259 |
| Cost of funding earning assets | 0.3132% | 6,805 |
| Net interest margin | 1.3061% | 7,256 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.3568% | 7,292 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6861% | 3,951 |
| Return on assets (ROA) | 1.0705% | 2,390 |
| Pretax return on assets | 1.4274% | 2,096 |
| Return on Equity (ROE) | 9.4024% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.4024% | 1,439 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0612% | 7,242 |
| Assets per employee ($millions) | 69.1090% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 86.4721% | 3,262 |
| Equity capital to assets | 10.1955% | 3,860 |
| Core capital (leverage) ratio | 9.1881% | 4,537 |
| Tier 1 risk-based capital ratio | 41.9933% | 201 |
| Total risk-based capital ratio | 41.9933% | 214 |
| Memoranda: | ||
| Average total assets | $61,652,000 | 6,018 |
| Average earning assets | $60,027,500 | 5,873 |
| Average equity | $7,019,500 | 5,870 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1337% | 7,278 |
| Cost of funding earning assets | 0.3683% | 6,967 |
| Net interest margin | 1.7655% | 7,264 |
| Noninterest income to average assets | 0.0162% | 6,942 |
| Noninterest expense to average assets | 0.3680% | 7,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9230% | 2,516 |
| Return on assets (ROA) | 1.0662% | 2,075 |
| Pretax return on assets | 1.5221% | 1,409 |
| Return on Equity (ROE) | 9.0865% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.0865% | 778 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.8317% | 7,328 |
| Assets per employee ($millions) | 54.1950% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 85.3123% | 3,684 |
| Equity capital to assets | 12.9034% | 1,538 |
| Core capital (leverage) ratio | 10.8725% | 2,378 |
| Tier 1 risk-based capital ratio | 59.4565% | 96 |
| Total risk-based capital ratio | 59.4565% | 100 |
| Memoranda: | ||
| Average total assets | $55,711,600 | 6,173 |
| Average earning assets | $52,677,600 | 6,095 |
| Average equity | $6,537,200 | 6,004 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2954% | 7,355 |
| Cost of funding earning assets | 0.3851% | 7,048 |
| Net interest margin | 1.9103% | 7,316 |
| Noninterest income to average assets | 0.0095% | 7,076 |
| Noninterest expense to average assets | 0.3756% | 7,416 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9988% | 2,329 |
| Return on assets (ROA) | 1.1885% | 1,799 |
| Pretax return on assets | 1.6972% | 1,154 |
| Return on Equity (ROE) | 10.3787% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.3787% | 749 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.8443% | 7,399 |
| Assets per employee ($millions) | 55.0720% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 85.4717% | 3,514 |
| Equity capital to assets | 12.7778% | 1,735 |
| Core capital (leverage) ratio | 11.9921% | 1,714 |
| Tier 1 risk-based capital ratio | 54.8531% | 127 |
| Total risk-based capital ratio | 54.8531% | 131 |
| Memoranda: | ||
| Average total assets | $56,090,750 | 6,209 |
| Average earning assets | $52,625,000 | 6,145 |
| Average equity | $6,423,250 | 6,077 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4367% | 7,425 |
| Cost of funding earning assets | 0.4320% | 7,056 |
| Net interest margin | 2.0046% | 7,365 |
| Noninterest income to average assets | 0.0142% | 7,159 |
| Noninterest expense to average assets | 0.4288% | 7,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0214% | 2,132 |
| Return on assets (ROA) | 1.3043% | 1,384 |
| Pretax return on assets | 1.8642% | 766 |
| Return on Equity (ROE) | 11.8353% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.8353% | 540 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.7017% | 7,469 |
| Assets per employee ($millions) | 52.9500% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 84.7479% | 3,992 |
| Equity capital to assets | 12.6308% | 1,720 |
| Core capital (leverage) ratio | 9.9229% | 3,359 |
| Tier 1 risk-based capital ratio | 57.2662% | 118 |
| Total risk-based capital ratio | 57.2662% | 120 |
| Memoranda: | ||
| Average total assets | $56,430,330 | 6,249 |
| Average earning assets | $52,777,330 | 6,194 |
| Average equity | $6,218,670 | 6,166 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3435% | 7,491 |
| Cost of funding earning assets | 0.4348% | 7,148 |
| Net interest margin | 1.9087% | 7,429 |
| Noninterest income to average assets | 0.0275% | 7,223 |
| Noninterest expense to average assets | 0.4126% | 7,555 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9764% | 2,258 |
| Return on assets (ROA) | 0.9764% | 2,319 |
| Pretax return on assets | 1.3959% | 1,734 |
| Return on Equity (ROE) | 9.4920% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.4920% | 1,240 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8137% | 7,522 |
| Assets per employee ($millions) | 66.9880% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 90.2415% | 993 |
| Equity capital to assets | 9.1136% | 5,021 |
| Core capital (leverage) ratio | 8.7488% | 5,000 |
| Tier 1 risk-based capital ratio | 40.0246% | 240 |
| Total risk-based capital ratio | 40.0246% | 252 |
| Memoranda: | ||
| Average total assets | $58,170,500 | 6,252 |
| Average earning assets | $54,278,500 | 6,188 |
| Average equity | $5,984,000 | 6,254 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2914% | 7,549 |
| Cost of funding earning assets | 0.4203% | 7,409 |
| Net interest margin | 1.8711% | 7,490 |
| Noninterest income to average assets | 0.0038% | 7,268 |
| Noninterest expense to average assets | 0.3945% | 7,621 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9672% | 2,143 |
| Return on assets (ROA) | 1.1000% | 1,783 |
| Pretax return on assets | 1.5722% | 1,203 |
| Return on Equity (ROE) | 9.9122% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.9122% | 543 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1985% | 7,617 |
| Assets per employee ($millions) | 49.3530% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 87.4962% | 2,549 |
| Equity capital to assets | 11.8797% | 1,983 |
| Core capital (leverage) ratio | 10.2272% | 2,834 |
| Tier 1 risk-based capital ratio | 48.2189% | 156 |
| Total risk-based capital ratio | 48.2189% | 160 |
| Memoranda: | ||
| Average total assets | $52,729,000 | 6,436 |
| Average earning assets | $49,969,600 | 6,366 |
| Average equity | $5,851,400 | 6,412 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2872% | 7,678 |
| Cost of funding earning assets | 0.4213% | 7,545 |
| Net interest margin | 1.8658% | 7,610 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.3882% | 7,738 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9706% | 2,333 |
| Return on assets (ROA) | 1.1448% | 1,851 |
| Pretax return on assets | 1.6351% | 1,261 |
| Return on Equity (ROE) | 10.4868% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.4868% | 688 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.8794% | 7,719 |
| Assets per employee ($millions) | 52.0180% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 84.8687% | 3,682 |
| Equity capital to assets | 12.0093% | 2,155 |
| Core capital (leverage) ratio | 11.3231% | 2,052 |
| Tier 1 risk-based capital ratio | 53.6687% | 137 |
| Total risk-based capital ratio | 53.6687% | 141 |
| Memoranda: | ||
| Average total assets | $53,573,000 | 6,490 |
| Average earning assets | $50,949,750 | 6,403 |
| Average equity | $5,848,500 | 6,500 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2479% | 7,761 |
| Cost of funding earning assets | 0.4473% | 7,610 |
| Net interest margin | 1.8006% | 7,695 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.3993% | 7,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9392% | 2,405 |
| Return on assets (ROA) | 0.9650% | 2,400 |
| Pretax return on assets | 1.3791% | 1,889 |
| Return on Equity (ROE) | 9.1328% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.1328% | 1,069 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9299% | 7,782 |
| Assets per employee ($millions) | 52.0280% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 85.3137% | 3,460 |
| Equity capital to assets | 11.7456% | 2,252 |
| Core capital (leverage) ratio | 8.9326% | 4,706 |
| Tier 1 risk-based capital ratio | 51.6411% | 151 |
| Total risk-based capital ratio | 51.6411% | 153 |
| Memoranda: | ||
| Average total assets | $54,091,330 | 6,516 |
| Average earning assets | $52,315,330 | 6,396 |
| Average equity | $5,715,670 | 6,557 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0652% | 7,870 |
| Cost of funding earning assets | 0.4581% | 7,725 |
| Net interest margin | 1.6071% | 7,812 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.3846% | 7,915 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8200% | 2,882 |
| Return on assets (ROA) | 0.8708% | 2,752 |
| Pretax return on assets | 1.2409% | 2,236 |
| Return on Equity (ROE) | 8.6988% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.6988% | 1,481 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7664% | 7,882 |
| Assets per employee ($millions) | 66.5090% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 90.3983% | 785 |
| Equity capital to assets | 8.4109% | 6,150 |
| Core capital (leverage) ratio | 8.5065% | 5,361 |
| Tier 1 risk-based capital ratio | 37.2709% | 304 |
| Total risk-based capital ratio | 37.2709% | 321 |
| Memoranda: | ||
| Average total assets | $55,123,000 | 6,565 |
| Average earning assets | $53,263,000 | 6,424 |
| Average equity | $5,518,000 | 6,663 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 7,896 |
| Cost of funding earning assets | 0.6630% | 7,727 |
| Net interest margin | 2.1184% | 7,691 |
| Noninterest income to average assets | 0.0204% | 7,622 |
| Noninterest expense to average assets | 0.5035% | 7,982 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0335% | 1,729 |
| Return on assets (ROA) | 1.5718% | 624 |
| Pretax return on assets | 2.3157% | 218 |
| Return on Equity (ROE) | 13.2922% | 899 |
| Retained earnings to average equity (ytd only) | 13.2922% | 140 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8322% | 7,961 |
| Assets per employee ($millions) | 43.7370% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 85.6369% | 3,204 |
| Equity capital to assets | 12.4426% | 1,776 |
| Core capital (leverage) ratio | 9.9296% | 3,159 |
| Tier 1 risk-based capital ratio | 55.6440% | 126 |
| Total risk-based capital ratio | 55.6440% | 131 |
| Memoranda: | ||
| Average total assets | $44,090,000 | 6,939 |
| Average earning assets | $41,777,200 | 6,871 |
| Average equity | $5,213,600 | 6,867 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8194% | 7,994 |
| Cost of funding earning assets | 0.7081% | 7,803 |
| Net interest margin | 2.1113% | 7,755 |
| Noninterest income to average assets | 0.0121% | 7,798 |
| Noninterest expense to average assets | 0.4255% | 8,079 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0826% | 1,790 |
| Return on assets (ROA) | 1.4637% | 947 |
| Pretax return on assets | 2.1277% | 419 |
| Return on Equity (ROE) | 12.5405% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.5405% | 298 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2670% | 8,051 |
| Assets per employee ($millions) | 50.4050% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 87.8306% | 1,735 |
| Equity capital to assets | 10.7628% | 3,231 |
| Core capital (leverage) ratio | 11.2222% | 2,244 |
| Tier 1 risk-based capital ratio | 44.4017% | 215 |
| Total risk-based capital ratio | 44.4017% | 227 |
| Memoranda: | ||
| Average total assets | $44,178,250 | 6,993 |
| Average earning assets | $41,615,500 | 6,930 |
| Average equity | $5,156,500 | 6,948 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0293% | 8,076 |
| Cost of funding earning assets | 0.8162% | 7,800 |
| Net interest margin | 2.2132% | 7,744 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.3848% | 8,178 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2256% | 1,415 |
| Return on assets (ROA) | 1.2256% | 1,489 |
| Pretax return on assets | 1.7149% | 987 |
| Return on Equity (ROE) | 10.1835% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.1835% | 695 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.3258% | 8,146 |
| Assets per employee ($millions) | 39.9790% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 85.7275% | 2,916 |
| Equity capital to assets | 12.8517% | 1,763 |
| Core capital (leverage) ratio | 9.7120% | 3,617 |
| Tier 1 risk-based capital ratio | 53.7162% | 156 |
| Total risk-based capital ratio | 53.7162% | 161 |
| Memoranda: | ||
| Average total assets | $42,102,670 | 7,131 |
| Average earning assets | $39,943,000 | 7,053 |
| Average equity | $5,067,000 | 7,037 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 8,132 |
| Cost of funding earning assets | 0.9421% | 7,757 |
| Net interest margin | 2.1295% | 7,834 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.3521% | 8,226 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2603% | 1,477 |
| Return on assets (ROA) | 1.2603% | 1,580 |
| Pretax return on assets | 1.6588% | 1,270 |
| Return on Equity (ROE) | 10.8119% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.8119% | 1,004 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5115% | 8,193 |
| Assets per employee ($millions) | 53.4960% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 89.2796% | 1,105 |
| Equity capital to assets | 9.5951% | 4,535 |
| Core capital (leverage) ratio | 9.1486% | 4,485 |
| Tier 1 risk-based capital ratio | 36.5883% | 391 |
| Total risk-based capital ratio | 36.5883% | 413 |
| Memoranda: | ||
| Average total assets | $43,164,500 | 7,128 |
| Average earning assets | $40,761,000 | 7,067 |
| Average equity | $5,031,500 | 7,099 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 8,055 |
| Cost of funding earning assets | 1.9605% | 6,534 |
| Net interest margin | 2.4081% | 7,840 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.4688% | 8,262 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3387% | 1,376 |
| Return on assets (ROA) | 1.4471% | 1,083 |
| Pretax return on assets | 1.8985% | 767 |
| Return on Equity (ROE) | 11.5856% | 1,720 |
| Retained earnings to average equity (ytd only) | 11.5856% | 260 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.0733% | 8,256 |
| Assets per employee ($millions) | 32.8330% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 83.4526% | 3,589 |
| Equity capital to assets | 15.0154% | 1,157 |
| Core capital (leverage) ratio | 12.5023% | 1,748 |
| Tier 1 risk-based capital ratio | 62.9364% | 145 |
| Total risk-based capital ratio | 62.9364% | 149 |
| Memoranda: | ||
| Average total assets | $34,343,800 | 7,446 |
| Average earning assets | $31,726,800 | 7,422 |
| Average equity | $4,289,800 | 7,395 |
| Average total loans | NA | NA |