Home > State Savings Bank > Performance and Condition Ratios
State Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5059% | 1,152 |
| Cost of funding earning assets | 0.6510% | 3,995 |
| Net interest margin | 4.8548% | 385 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 3.8557% | 411 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.9932% | 2,242 |
| Return on assets (ROA) | 1.0019% | 2,197 |
| Pretax return on assets | 1.2523% | 2,001 |
| Return on Equity (ROE) | 11.2300% | 2,165 |
| Retained earnings to average equity (ytd only) | 10.2894% | 942 |
| Net charge-offs to loans | 0.1353% | 737 |
| Credit loss provision to net charge-offs | 119.6023% | 1,678 |
| Earnings coverage of net charge-offs (x) | 14.2841% | 2,083 |
| Efficiency ratio | 73.3121% | 1,525 |
| Assets per employee ($millions) | 3.2859% | 4,332 |
| Cash dividends to net income (ytd only)* | 8.3589% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 3,602 |
| Loan loss allowance to noncurrent loans | 275.7743% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 1,926 |
| Noncurrent loans to loans | 0.3379% | 1,967 |
| Net loans and leases to total assets | 75.3800% | 1,193 |
| Net loans and leases to deposits | 84.0402% | 1,776 |
| Net loans and leases to core deposits | 85.8946% | 2,313 |
| Total domestic deposits to total assets | 89.6900% | 848 |
| Equity capital to assets | 9.5964% | 2,278 |
| Core capital (leverage) ratio | 9.5142% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $358,221,600 | 2,168 |
| Average earning assets | $334,861,400 | 2,154 |
| Average equity | $31,964,800 | 2,187 |
| Average total loans | $260,133,000 | 1,956 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 1,150 |
| Cost of funding earning assets | 0.5546% | 4,054 |
| Net interest margin | 4.8322% | 393 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 3.8490% | 397 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.0619% | 2,178 |
| Return on assets (ROA) | 1.0681% | 2,142 |
| Pretax return on assets | 1.3352% | 1,940 |
| Return on Equity (ROE) | 12.1900% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.9258% | 1,169 |
| Net charge-offs to loans | 0.1451% | 568 |
| Credit loss provision to net charge-offs | 25.6228% | 1,988 |
| Earnings coverage of net charge-offs (x) | 13.5445% | 2,030 |
| Efficiency ratio | 73.1877% | 1,428 |
| Assets per employee ($millions) | 3.5396% | 4,311 |
| Cash dividends to net income (ytd only)* | 10.4058% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 3,906 |
| Loan loss allowance to noncurrent loans | 281.4485% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,212 |
| Noncurrent loans to loans | 0.2970% | 2,173 |
| Net loans and leases to total assets | 70.0400% | 1,822 |
| Net loans and leases to deposits | 77.3762% | 2,297 |
| Net loans and leases to core deposits | 79.1559% | 2,660 |
| Total domestic deposits to total assets | 90.5200% | 801 |
| Equity capital to assets | 8.7581% | 2,566 |
| Core capital (leverage) ratio | 9.0531% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $359,879,000 | 2,162 |
| Average earning assets | $336,347,500 | 2,150 |
| Average equity | $31,521,000 | 2,189 |
| Average total loans | $258,289,500 | 1,970 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 1,122 |
| Cost of funding earning assets | 0.4484% | 4,086 |
| Net interest margin | 4.8172% | 393 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.8475% | 384 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1032% | 2,118 |
| Return on assets (ROA) | 1.1100% | 2,084 |
| Pretax return on assets | 1.3874% | 1,847 |
| Return on Equity (ROE) | 12.6700% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.7419% | 1,236 |
| Net charge-offs to loans | 0.1273% | 579 |
| Credit loss provision to net charge-offs | -71.1656% | 4,536 |
| Earnings coverage of net charge-offs (x) | 15.1656% | 1,862 |
| Efficiency ratio | 73.4108% | 1,414 |
| Assets per employee ($millions) | 3.3250% | 4,381 |
| Cash dividends to net income (ytd only)* | 15.2362% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 3,960 |
| Loan loss allowance to noncurrent loans | 188.9868% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 1,621 |
| Noncurrent loans to loans | 0.4366% | 1,629 |
| Net loans and leases to total assets | 73.8500% | 1,312 |
| Net loans and leases to deposits | 81.8568% | 1,839 |
| Net loans and leases to core deposits | 83.4168% | 2,242 |
| Total domestic deposits to total assets | 90.2100% | 863 |
| Equity capital to assets | 9.1345% | 2,419 |
| Core capital (leverage) ratio | 9.3196% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $354,773,667 | 2,183 |
| Average earning assets | $330,527,333 | 2,186 |
| Average equity | $31,074,667 | 2,215 |
| Average total loans | $256,050,333 | 1,975 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 1,104 |
| Cost of funding earning assets | 0.3129% | 4,159 |
| Net interest margin | 4.7680% | 391 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 3.6552% | 458 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.2997% | 1,666 |
| Return on assets (ROA) | 1.3086% | 1,615 |
| Pretax return on assets | 1.6363% | 1,391 |
| Return on Equity (ROE) | 15.2400% | 1,513 |
| Retained earnings to average equity (ytd only) | 15.2369% | 775 |
| Net charge-offs to loans | 0.2267% | 329 |
| Credit loss provision to net charge-offs | -72.2222% | 4,583 |
| Earnings coverage of net charge-offs (x) | 10.0069% | 1,671 |
| Efficiency ratio | 69.3990% | 1,813 |
| Assets per employee ($millions) | 3.4558% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 4,013 |
| Loan loss allowance to noncurrent loans | 209.1356% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 1,697 |
| Noncurrent loans to loans | 0.4010% | 1,730 |
| Net loans and leases to total assets | 72.1300% | 1,411 |
| Net loans and leases to deposits | 79.8343% | 1,826 |
| Net loans and leases to core deposits | 81.0814% | 2,178 |
| Total domestic deposits to total assets | 90.3500% | 1,028 |
| Equity capital to assets | 8.9823% | 2,537 |
| Core capital (leverage) ratio | 8.8102% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1006% | 2,354 |
| Memoranda: | ||
| Average total assets | $357,629,000 | 2,203 |
| Average earning assets | $336,159,500 | 2,182 |
| Average equity | $30,715,000 | 2,262 |
| Average total loans | $254,096,500 | 2,003 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 2,234 |
| Cost of funding earning assets | 0.1848% | 3,871 |
| Net interest margin | 3.6301% | 1,552 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 3.5747% | 459 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.6931% | 3,635 |
| Return on assets (ROA) | 0.6918% | 3,588 |
| Pretax return on assets | 0.8541% | 3,478 |
| Return on Equity (ROE) | 8.9400% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.9015% | 1,873 |
| Net charge-offs to loans | 0.0098% | 2,009 |
| Credit loss provision to net charge-offs | -875.0000% | 4,661 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 874 |
| Efficiency ratio | 81.7266% | 611 |
| Assets per employee ($millions) | 3.6623% | 4,399 |
| Cash dividends to net income (ytd only)* | 11.6460% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 3,795 |
| Loan loss allowance to noncurrent loans | 203.3095% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 1,635 |
| Noncurrent loans to loans | 0.4396% | 1,606 |
| Net loans and leases to total assets | 68.8200% | 1,755 |
| Net loans and leases to deposits | 75.3855% | 2,143 |
| Net loans and leases to core deposits | 76.1375% | 2,410 |
| Total domestic deposits to total assets | 91.2900% | 845 |
| Equity capital to assets | 8.2132% | 2,925 |
| Core capital (leverage) ratio | 8.0234% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1891% | 2,679 |
| Memoranda: | ||
| Average total assets | $372,341,000 | 2,135 |
| Average earning assets | $353,902,400 | 2,096 |
| Average equity | $28,804,600 | 2,390 |
| Average total loans | $245,551,800 | 1,969 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 2,675 |
| Cost of funding earning assets | 0.1593% | 3,734 |
| Net interest margin | 3.3232% | 2,222 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 3.6090% | 441 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4200% | 4,207 |
| Return on assets (ROA) | 0.4165% | 4,156 |
| Pretax return on assets | 0.5114% | 4,135 |
| Return on Equity (ROE) | 5.4700% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.0627% | 3,422 |
| Net charge-offs to loans | 0.0060% | 1,940 |
| Credit loss provision to net charge-offs | 818.1818% | 465 |
| Earnings coverage of net charge-offs (x) | 139.6364% | 776 |
| Efficiency ratio | 86.8222% | 425 |
| Assets per employee ($millions) | 3.8355% | 4,385 |
| Cash dividends to net income (ytd only)* | 25.6849% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,396 |
| Loan loss allowance to noncurrent loans | 271.6387% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 2,031 |
| Noncurrent loans to loans | 0.3741% | 1,890 |
| Net loans and leases to total assets | 63.1500% | 2,177 |
| Net loans and leases to deposits | 68.3331% | 2,512 |
| Net loans and leases to core deposits | 68.7767% | 2,740 |
| Total domestic deposits to total assets | 92.4200% | 737 |
| Equity capital to assets | 7.1836% | 3,414 |
| Core capital (leverage) ratio | 7.4123% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0492% | 2,800 |
| Memoranda: | ||
| Average total assets | $373,869,750 | 2,133 |
| Average earning assets | $355,716,500 | 2,100 |
| Average equity | $28,486,000 | 2,438 |
| Average total loans | $243,362,750 | 1,980 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 3,146 |
| Cost of funding earning assets | 0.1445% | 3,639 |
| Net interest margin | 3.0219% | 2,820 |
| Noninterest income to average assets | 1.0380% | 618 |
| Noninterest expense to average assets | 3.6605% | 370 |
| Loan and lease loss provision to assets | 0.0274% | 2,103 |
| Net operating income to assets | 0.1873% | 4,436 |
| Return on assets (ROA) | 0.1817% | 4,407 |
| Pretax return on assets | 0.2265% | 4,380 |
| Return on Equity (ROE) | 2.3361% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.3361% | 3,660 |
| Net charge-offs to loans | -0.0100% | 3,598 |
| Credit loss provision to net charge-offs | -416.6667% | 3,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3445% | 308 |
| Assets per employee ($millions) | 3.5440% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,396 |
| Loan loss allowance to noncurrent loans | 267.3257% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,001 |
| Noncurrent loans to loans | 0.3916% | 1,961 |
| Net loans and leases to total assets | 65.8761% | 1,708 |
| Net loans and leases to deposits | 71.6052% | 2,060 |
| Net loans and leases to core deposits | 72.1525% | 2,321 |
| Total domestic deposits to total assets | 91.9990% | 831 |
| Equity capital to assets | 7.7059% | 3,343 |
| Core capital (leverage) ratio | 7.6923% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1673% | 2,760 |
| Memoranda: | ||
| Average total assets | $365,522,000 | 2,176 |
| Average earning assets | $348,791,333 | 2,147 |
| Average equity | $28,424,000 | 2,502 |
| Average total loans | $239,649,667 | 1,999 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0318% | 3,162 |
| Cost of funding earning assets | 0.1454% | 3,560 |
| Net interest margin | 2.8864% | 2,886 |
| Noninterest income to average assets | 1.1319% | 533 |
| Noninterest expense to average assets | 3.6968% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1412% | 4,417 |
| Return on assets (ROA) | 0.1352% | 4,396 |
| Pretax return on assets | 0.1758% | 4,351 |
| Return on Equity (ROE) | 1.7303% | 4,302 |
| Retained earnings to average equity (ytd only) | 1.7303% | 3,623 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2705% | 353 |
| Assets per employee ($millions) | 3.4907% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,517 |
| Loan loss allowance to noncurrent loans | 248.9573% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,812 |
| Noncurrent loans to loans | 0.4229% | 1,971 |
| Net loans and leases to total assets | 63.0755% | 1,733 |
| Net loans and leases to deposits | 68.4557% | 2,102 |
| Net loans and leases to core deposits | 69.0986% | 2,369 |
| Total domestic deposits to total assets | 92.1406% | 522 |
| Equity capital to assets | 7.6141% | 3,846 |
| Core capital (leverage) ratio | 7.7568% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5071% | 2,978 |
| Memoranda: | ||
| Average total assets | $363,994,500 | 2,189 |
| Average earning assets | $346,593,000 | 2,160 |
| Average equity | $28,435,000 | 2,575 |
| Average total loans | $236,788,000 | 2,006 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 2,659 |
| Cost of funding earning assets | 0.2322% | 3,114 |
| Net interest margin | 3.2681% | 2,417 |
| Noninterest income to average assets | 1.6789% | 405 |
| Noninterest expense to average assets | 3.6683% | 396 |
| Loan and lease loss provision to assets | 0.1931% | 572 |
| Net operating income to assets | 0.7414% | 3,513 |
| Return on assets (ROA) | 0.7474% | 3,562 |
| Pretax return on assets | 0.9319% | 3,415 |
| Return on Equity (ROE) | 9.1728% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.0791% | 1,507 |
| Net charge-offs to loans | 0.0044% | 2,443 |
| Credit loss provision to net charge-offs | 6,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 376.2000% | 345 |
| Efficiency ratio | 76.6495% | 1,056 |
| Assets per employee ($millions) | 3.4754% | 4,591 |
| Cash dividends to net income (ytd only)* | 11.9237% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,502 |
| Loan loss allowance to noncurrent loans | 246.9951% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 1,844 |
| Noncurrent loans to loans | 0.4310% | 2,064 |
| Net loans and leases to total assets | 65.7214% | 1,505 |
| Net loans and leases to deposits | 71.7723% | 1,932 |
| Net loans and leases to core deposits | 72.5020% | 2,207 |
| Total domestic deposits to total assets | 91.5692% | 291 |
| Equity capital to assets | 8.0203% | 4,353 |
| Core capital (leverage) ratio | 7.9170% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9105% | 2,908 |
| Memoranda: | ||
| Average total assets | $336,639,600 | 2,265 |
| Average earning assets | $320,037,000 | 2,231 |
| Average equity | $27,428,800 | 2,687 |
| Average total loans | $227,297,000 | 2,062 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 2,691 |
| Cost of funding earning assets | 0.2623% | 2,992 |
| Net interest margin | 3.2886% | 2,448 |
| Noninterest income to average assets | 1.7087% | 435 |
| Noninterest expense to average assets | 3.6321% | 396 |
| Loan and lease loss provision to assets | 0.2008% | 514 |
| Net operating income to assets | 0.8113% | 3,493 |
| Return on assets (ROA) | 0.8168% | 3,556 |
| Pretax return on assets | 1.0123% | 3,419 |
| Return on Equity (ROE) | 9.9832% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.5115% | 1,871 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0705% | 1,118 |
| Assets per employee ($millions) | 3.5406% | 4,634 |
| Cash dividends to net income (ytd only)* | 14.7420% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,670 |
| Loan loss allowance to noncurrent loans | 268.3673% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 2,244 |
| Noncurrent loans to loans | 0.3907% | 2,393 |
| Net loans and leases to total assets | 62.4650% | 1,953 |
| Net loans and leases to deposits | 68.1478% | 2,425 |
| Net loans and leases to core deposits | 68.6355% | 2,721 |
| Total domestic deposits to total assets | 91.6611% | 198 |
| Equity capital to assets | 7.8244% | 4,598 |
| Core capital (leverage) ratio | 7.8459% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2882% | 2,908 |
| Memoranda: | ||
| Average total assets | $332,178,000 | 2,304 |
| Average earning assets | $316,112,000 | 2,269 |
| Average equity | $27,178,250 | 2,738 |
| Average total loans | $225,251,250 | 2,108 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 2,755 |
| Cost of funding earning assets | 0.2942% | 2,829 |
| Net interest margin | 3.2622% | 2,573 |
| Noninterest income to average assets | 1.8381% | 374 |
| Noninterest expense to average assets | 3.6472% | 388 |
| Loan and lease loss provision to assets | 0.2162% | 496 |
| Net operating income to assets | 0.8775% | 3,281 |
| Return on assets (ROA) | 0.8835% | 3,343 |
| Pretax return on assets | 1.0856% | 3,263 |
| Return on Equity (ROE) | 10.6276% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.3981% | 1,938 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8060% | 1,259 |
| Assets per employee ($millions) | 3.3124% | 4,723 |
| Cash dividends to net income (ytd only)* | 20.9790% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,970 |
| Loan loss allowance to noncurrent loans | 215.6615% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 2,127 |
| Noncurrent loans to loans | 0.4447% | 2,336 |
| Net loans and leases to total assets | 68.4292% | 1,394 |
| Net loans and leases to deposits | 77.5390% | 1,675 |
| Net loans and leases to core deposits | 78.0114% | 2,045 |
| Total domestic deposits to total assets | 88.2514% | 1,697 |
| Equity capital to assets | 8.1892% | 4,438 |
| Core capital (leverage) ratio | 8.3272% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,704,000 | 2,341 |
| Average earning assets | $307,951,333 | 2,300 |
| Average equity | $26,911,000 | 2,747 |
| Average total loans | $225,087,667 | 2,125 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 2,523 |
| Cost of funding earning assets | 0.2405% | 3,556 |
| Net interest margin | 3.3975% | 2,120 |
| Noninterest income to average assets | 1.9857% | 379 |
| Noninterest expense to average assets | 3.7338% | 352 |
| Loan and lease loss provision to assets | 0.2514% | 417 |
| Net operating income to assets | 0.9959% | 2,815 |
| Return on assets (ROA) | 1.0092% | 2,870 |
| Pretax return on assets | 1.2480% | 2,702 |
| Return on Equity (ROE) | 12.0444% | 1,997 |
| Retained earnings to average equity (ytd only) | 12.0444% | 1,136 |
| Net charge-offs to loans | -0.0072% | 3,533 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5731% | 1,539 |
| Assets per employee ($millions) | 3.3807% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 4,097 |
| Loan loss allowance to noncurrent loans | 171.4404% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 2,119 |
| Noncurrent loans to loans | 0.5373% | 2,243 |
| Net loans and leases to total assets | 67.2325% | 1,633 |
| Net loans and leases to deposits | 78.9019% | 1,625 |
| Net loans and leases to core deposits | 79.5097% | 2,052 |
| Total domestic deposits to total assets | 85.2103% | 3,024 |
| Equity capital to assets | 8.1656% | 4,386 |
| Core capital (leverage) ratio | 8.4287% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,281,000 | 2,348 |
| Average earning assets | $302,697,500 | 2,314 |
| Average equity | $26,668,000 | 2,753 |
| Average total loans | $222,058,000 | 2,138 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 2,752 |
| Cost of funding earning assets | 0.3481% | 3,881 |
| Net interest margin | 3.6443% | 1,995 |
| Noninterest income to average assets | 1.8175% | 389 |
| Noninterest expense to average assets | 4.1465% | 328 |
| Loan and lease loss provision to assets | 0.1906% | 2,042 |
| Net operating income to assets | 0.7587% | 3,241 |
| Return on assets (ROA) | 0.7828% | 3,283 |
| Pretax return on assets | 0.9752% | 3,125 |
| Return on Equity (ROE) | 8.4547% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.4547% | 918 |
| Net charge-offs to loans | -0.0309% | 4,546 |
| Credit loss provision to net charge-offs | -825.8065% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5005% | 995 |
| Assets per employee ($millions) | 3.1470% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 4,319 |
| Loan loss allowance to noncurrent loans | 150.4432% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 2,134 |
| Noncurrent loans to loans | 0.5659% | 2,287 |
| Net loans and leases to total assets | 71.2296% | 1,398 |
| Net loans and leases to deposits | 84.8430% | 1,381 |
| Net loans and leases to core deposits | 85.6589% | 1,900 |
| Total domestic deposits to total assets | 83.9546% | 3,128 |
| Equity capital to assets | 8.6101% | 4,365 |
| Core capital (leverage) ratio | 8.5565% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,661,400 | 2,470 |
| Average earning assets | $255,412,400 | 2,437 |
| Average equity | $24,873,600 | 2,812 |
| Average total loans | $200,706,400 | 2,229 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 2,808 |
| Cost of funding earning assets | 0.3726% | 3,949 |
| Net interest margin | 3.6824% | 2,005 |
| Noninterest income to average assets | 1.6256% | 450 |
| Noninterest expense to average assets | 4.1919% | 324 |
| Loan and lease loss provision to assets | 0.1341% | 2,677 |
| Net operating income to assets | 0.6240% | 3,708 |
| Return on assets (ROA) | 0.6289% | 3,788 |
| Pretax return on assets | 0.8092% | 3,623 |
| Return on Equity (ROE) | 6.6553% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.6553% | 1,830 |
| Net charge-offs to loans | -0.0619% | 4,728 |
| Credit loss provision to net charge-offs | -286.8132% | 3,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7289% | 742 |
| Assets per employee ($millions) | 3.2289% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 4,450 |
| Loan loss allowance to noncurrent loans | 148.8688% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 2,461 |
| Noncurrent loans to loans | 0.5124% | 2,519 |
| Net loans and leases to total assets | 69.7626% | 1,992 |
| Net loans and leases to deposits | 82.7617% | 2,037 |
| Net loans and leases to core deposits | 84.1153% | 2,461 |
| Total domestic deposits to total assets | 84.2933% | 2,717 |
| Equity capital to assets | 8.2810% | 4,586 |
| Core capital (leverage) ratio | 8.7440% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,512,250 | 2,505 |
| Average earning assets | $246,900,750 | 2,475 |
| Average equity | $24,521,250 | 2,826 |
| Average total loans | $196,057,750 | 2,268 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 2,754 |
| Cost of funding earning assets | 0.4001% | 4,036 |
| Net interest margin | 3.8023% | 1,831 |
| Noninterest income to average assets | 1.2011% | 695 |
| Noninterest expense to average assets | 4.2442% | 316 |
| Loan and lease loss provision to assets | 0.1272% | 2,753 |
| Net operating income to assets | 0.3495% | 4,335 |
| Return on assets (ROA) | 0.3077% | 4,450 |
| Pretax return on assets | 0.3807% | 4,436 |
| Return on Equity (ROE) | 3.0956% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.0956% | 3,343 |
| Net charge-offs to loans | -0.0918% | 4,828 |
| Credit loss provision to net charge-offs | -178.1609% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3518% | 438 |
| Assets per employee ($millions) | 2.8278% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 4,446 |
| Loan loss allowance to noncurrent loans | 132.1275% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 2,228 |
| Noncurrent loans to loans | 0.5732% | 2,440 |
| Net loans and leases to total assets | 74.0507% | 1,405 |
| Net loans and leases to deposits | 89.2714% | 1,420 |
| Net loans and leases to core deposits | 91.6491% | 1,936 |
| Total domestic deposits to total assets | 82.9501% | 3,101 |
| Equity capital to assets | 9.0438% | 4,054 |
| Core capital (leverage) ratio | 9.6603% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,766,667 | 2,581 |
| Average earning assets | $230,965,667 | 2,547 |
| Average equity | $24,227,667 | 2,835 |
| Average total loans | $189,530,000 | 2,309 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,624 |
| Cost of funding earning assets | 0.3844% | 4,411 |
| Net interest margin | 4.0131% | 1,355 |
| Noninterest income to average assets | 0.6002% | 2,045 |
| Noninterest expense to average assets | 4.3268% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0621% | 4,700 |
| Return on assets (ROA) | -0.2801% | 4,853 |
| Pretax return on assets | -0.3636% | 4,855 |
| Return on Equity (ROE) | -2.6760% | 4,862 |
| Retained earnings to average equity (ytd only) | -2.6760% | 4,321 |
| Net charge-offs to loans | 0.0066% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,658 |
| Efficiency ratio | 98.4171% | 268 |
| Assets per employee ($millions) | 2.7262% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 4,621 |
| Loan loss allowance to noncurrent loans | 126.4706% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 2,457 |
| Noncurrent loans to loans | 0.5475% | 2,626 |
| Net loans and leases to total assets | 77.1123% | 1,114 |
| Net loans and leases to deposits | 90.7204% | 1,430 |
| Net loans and leases to core deposits | 93.3828% | 2,026 |
| Total domestic deposits to total assets | 85.0000% | 2,408 |
| Equity capital to assets | 10.0114% | 3,772 |
| Core capital (leverage) ratio | 10.3721% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,916,000 | 2,627 |
| Average earning assets | $217,488,500 | 2,591 |
| Average equity | $24,066,000 | 2,844 |
| Average total loans | $183,016,000 | 2,327 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 2,777 |
| Cost of funding earning assets | 0.3526% | 4,587 |
| Net interest margin | 4.1991% | 1,326 |
| Noninterest income to average assets | 0.7639% | 1,569 |
| Noninterest expense to average assets | 4.6872% | 260 |
| Loan and lease loss provision to assets | 0.0744% | 2,503 |
| Net operating income to assets | -0.0576% | 4,989 |
| Return on assets (ROA) | 0.0351% | 4,971 |
| Pretax return on assets | 0.0495% | 4,960 |
| Return on Equity (ROE) | 0.3180% | 4,973 |
| Retained earnings to average equity (ytd only) | -0.7449% | 4,785 |
| Net charge-offs to loans | -0.0126% | 4,532 |
| Credit loss provision to net charge-offs | -766.6667% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8622% | 160 |
| Assets per employee ($millions) | 2.5573% | 4,984 |
| Cash dividends to net income (ytd only)* | 334.2105% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 4,534 |
| Loan loss allowance to noncurrent loans | 202.0313% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 2,863 |
| Noncurrent loans to loans | 0.3561% | 3,172 |
| Net loans and leases to total assets | 81.1418% | 656 |
| Net loans and leases to deposits | 91.6779% | 1,406 |
| Net loans and leases to core deposits | 94.3008% | 2,032 |
| Total domestic deposits to total assets | 88.5075% | 883 |
| Equity capital to assets | 10.9646% | 3,037 |
| Core capital (leverage) ratio | 10.7392% | 2,726 |
| Tier 1 risk-based capital ratio | 13.7512% | 3,389 |
| Total risk-based capital ratio | 14.4937% | 3,546 |
| Memoranda: | ||
| Average total assets | $216,375,600 | 2,696 |
| Average earning assets | $202,496,600 | 2,687 |
| Average equity | $23,896,400 | 2,805 |
| Average total loans | $166,780,200 | 2,448 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 3,098 |
| Cost of funding earning assets | 0.3457% | 4,671 |
| Net interest margin | 4.1413% | 1,520 |
| Noninterest income to average assets | 0.6392% | 2,033 |
| Noninterest expense to average assets | 4.6448% | 267 |
| Loan and lease loss provision to assets | 0.0687% | 2,504 |
| Net operating income to assets | -0.1466% | 5,095 |
| Return on assets (ROA) | -0.0625% | 5,089 |
| Pretax return on assets | -0.0990% | 5,087 |
| Return on Equity (ROE) | -0.5648% | 5,086 |
| Retained earnings to average equity (ytd only) | -1.9852% | 4,924 |
| Net charge-offs to loans | 0.0815% | 1,666 |
| Credit loss provision to net charge-offs | 111.0000% | 2,079 |
| Earnings coverage of net charge-offs (x) | -2.2100% | 3,403 |
| Efficiency ratio | 103.0332% | 130 |
| Assets per employee ($millions) | 2.5114% | 5,072 |
| Cash dividends to net income (ytd only)* | -251.4926% | 5,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6461% | 4,743 |
| Loan loss allowance to noncurrent loans | 97.9058% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,182 |
| Noncurrent loans to loans | 0.6599% | 2,307 |
| Net loans and leases to total assets | 77.1911% | 1,285 |
| Net loans and leases to deposits | 86.8895% | 2,081 |
| Net loans and leases to core deposits | 88.9538% | 2,640 |
| Total domestic deposits to total assets | 88.8383% | 676 |
| Equity capital to assets | 10.6700% | 3,403 |
| Core capital (leverage) ratio | 10.9893% | 2,650 |
| Tier 1 risk-based capital ratio | 13.9286% | 3,364 |
| Total risk-based capital ratio | 14.5854% | 3,562 |
| Memoranda: | ||
| Average total assets | $215,488,000 | 2,720 |
| Average earning assets | $201,317,250 | 2,720 |
| Average equity | $23,842,000 | 2,819 |
| Average total loans | $163,539,000 | 2,495 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 3,183 |
| Cost of funding earning assets | 0.3464% | 4,693 |
| Net interest margin | 4.1032% | 1,602 |
| Noninterest income to average assets | 0.4896% | 2,735 |
| Noninterest expense to average assets | 4.6416% | 269 |
| Loan and lease loss provision to assets | 0.0479% | 2,856 |
| Net operating income to assets | -0.3128% | 5,168 |
| Return on assets (ROA) | -0.2180% | 5,157 |
| Pretax return on assets | -0.2660% | 5,160 |
| Return on Equity (ROE) | -1.9463% | 5,161 |
| Retained earnings to average equity (ytd only) | -4.0856% | 5,019 |
| Net charge-offs to loans | 0.0874% | 1,487 |
| Credit loss provision to net charge-offs | 72.8571% | 2,297 |
| Earnings coverage of net charge-offs (x) | -5.0714% | 3,142 |
| Efficiency ratio | 107.7443% | 110 |
| Assets per employee ($millions) | 2.3756% | 5,154 |
| Cash dividends to net income (ytd only)* | -109.9138% | 5,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6585% | 4,782 |
| Loan loss allowance to noncurrent loans | 90.0990% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 2,019 |
| Noncurrent loans to loans | 0.7308% | 2,161 |
| Net loans and leases to total assets | 78.8061% | 1,073 |
| Net loans and leases to deposits | 89.4101% | 1,813 |
| Net loans and leases to core deposits | 91.4657% | 2,467 |
| Total domestic deposits to total assets | 88.1400% | 1,036 |
| Equity capital to assets | 11.3449% | 2,747 |
| Core capital (leverage) ratio | 11.4273% | 2,227 |
| Tier 1 risk-based capital ratio | 15.0072% | 2,841 |
| Total risk-based capital ratio | 15.6997% | 3,009 |
| Memoranda: | ||
| Average total assets | $212,812,670 | 2,756 |
| Average earning assets | $198,040,330 | 2,758 |
| Average equity | $23,839,670 | 2,811 |
| Average total loans | $160,167,000 | 2,536 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3375% | 3,437 |
| Cost of funding earning assets | 0.3588% | 4,650 |
| Net interest margin | 3.9787% | 1,917 |
| Noninterest income to average assets | 0.5422% | 2,331 |
| Noninterest expense to average assets | 4.5088% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2551% | 5,216 |
| Return on assets (ROA) | -0.0745% | 5,171 |
| Pretax return on assets | -0.0783% | 5,167 |
| Return on Equity (ROE) | -0.6694% | 5,174 |
| Retained earnings to average equity (ytd only) | -4.9370% | 4,921 |
| Net charge-offs to loans | 0.0076% | 2,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -48.0000% | 2,730 |
| Efficiency ratio | 106.3269% | 123 |
| Assets per employee ($millions) | 2.5791% | 5,160 |
| Cash dividends to net income (ytd only)* | -637.5000% | 5,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 4,788 |
| Loan loss allowance to noncurrent loans | 83.2457% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 2,211 |
| Noncurrent loans to loans | 0.8341% | 1,971 |
| Net loans and leases to total assets | 74.0318% | 1,793 |
| Net loans and leases to deposits | 84.2145% | 2,365 |
| Net loans and leases to core deposits | 86.5274% | 2,825 |
| Total domestic deposits to total assets | 87.9086% | 1,384 |
| Equity capital to assets | 11.1556% | 2,701 |
| Core capital (leverage) ratio | 11.1321% | 2,443 |
| Tier 1 risk-based capital ratio | 15.5060% | 2,649 |
| Total risk-based capital ratio | 16.2250% | 2,826 |
| Memoranda: | ||
| Average total assets | $214,691,500 | 2,765 |
| Average earning assets | $199,560,500 | 2,767 |
| Average equity | $23,901,000 | 2,813 |
| Average total loans | $157,330,500 | 2,602 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,813 |
| Cost of funding earning assets | 0.2366% | 4,867 |
| Net interest margin | 3.8404% | 2,534 |
| Noninterest income to average assets | 0.9425% | 1,078 |
| Noninterest expense to average assets | 4.3600% | 344 |
| Loan and lease loss provision to assets | 0.0237% | 3,694 |
| Net operating income to assets | 0.0836% | 5,194 |
| Return on assets (ROA) | 0.0836% | 5,185 |
| Pretax return on assets | 0.1268% | 5,162 |
| Return on Equity (ROE) | 0.7271% | 5,185 |
| Retained earnings to average equity (ytd only) | -0.5123% | 5,040 |
| Net charge-offs to loans | 0.0231% | 2,950 |
| Credit loss provision to net charge-offs | 142.8571% | 1,902 |
| Earnings coverage of net charge-offs (x) | 9.0571% | 2,840 |
| Efficiency ratio | 96.6632% | 200 |
| Assets per employee ($millions) | 2.5147% | 5,203 |
| Cash dividends to net income (ytd only)* | 170.4545% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 4,766 |
| Loan loss allowance to noncurrent loans | 81.9926% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 1,974 |
| Noncurrent loans to loans | 0.8737% | 1,846 |
| Net loans and leases to total assets | 68.7953% | 2,765 |
| Net loans and leases to deposits | 84.3743% | 2,475 |
| Net loans and leases to core deposits | 86.7606% | 2,861 |
| Total domestic deposits to total assets | 81.5358% | 3,778 |
| Equity capital to assets | 10.6887% | 3,001 |
| Core capital (leverage) ratio | 11.1091% | 2,431 |
| Tier 1 risk-based capital ratio | 15.0955% | 2,787 |
| Total risk-based capital ratio | 15.7993% | 2,959 |
| Memoranda: | ||
| Average total assets | $210,619,200 | 2,760 |
| Average earning assets | $195,681,400 | 2,756 |
| Average equity | $24,205,200 | 2,707 |
| Average total loans | $151,555,800 | 2,625 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 3,358 |
| Cost of funding earning assets | 0.2429% | 4,828 |
| Net interest margin | 3.9463% | 2,141 |
| Noninterest income to average assets | 0.6662% | 1,994 |
| Noninterest expense to average assets | 4.5619% | 275 |
| Loan and lease loss provision to assets | 0.0351% | 3,305 |
| Net operating income to assets | -0.1284% | 5,334 |
| Return on assets (ROA) | -0.1284% | 5,333 |
| Pretax return on assets | -0.1324% | 5,333 |
| Return on Equity (ROE) | -1.2479% | 5,339 |
| Retained earnings to average equity (ytd only) | -1.2479% | 5,149 |
| Net charge-offs to loans | 0.0118% | 2,989 |
| Credit loss provision to net charge-offs | 350.0000% | 896 |
| Earnings coverage of net charge-offs (x) | -9.7022% | 3,467 |
| Efficiency ratio | 102.1798% | 125 |
| Assets per employee ($millions) | 2.4474% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5786% | 5,074 |
| Loan loss allowance to noncurrent loans | 82.8784% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5778% | 2,449 |
| Noncurrent loans to loans | 0.6982% | 2,331 |
| Net loans and leases to total assets | 82.2748% | 667 |
| Net loans and leases to deposits | 97.7041% | 972 |
| Net loans and leases to core deposits | 99.4619% | 1,834 |
| Total domestic deposits to total assets | 84.2081% | 2,870 |
| Equity capital to assets | 9.7590% | 3,862 |
| Core capital (leverage) ratio | 9.9790% | 3,658 |
| Tier 1 risk-based capital ratio | 12.0759% | 4,459 |
| Total risk-based capital ratio | 12.6690% | 4,720 |
| Memoranda: | ||
| Average total assets | $132,893,500 | 3,641 |
| Average earning assets | $127,915,500 | 3,564 |
| Average equity | $13,676,250 | 3,821 |
| Average total loans | $112,537,750 | 3,129 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,313 |
| Cost of funding earning assets | 0.2052% | 5,006 |
| Net interest margin | 3.9354% | 2,089 |
| Noninterest income to average assets | 0.6336% | 2,161 |
| Noninterest expense to average assets | 4.5772% | 277 |
| Loan and lease loss provision to assets | 0.0306% | 3,299 |
| Net operating income to assets | -0.1683% | 5,392 |
| Return on assets (ROA) | -0.1683% | 5,389 |
| Pretax return on assets | -0.1882% | 5,390 |
| Return on Equity (ROE) | -1.6062% | 5,391 |
| Retained earnings to average equity (ytd only) | -1.6062% | 5,120 |
| Net charge-offs to loans | 0.0484% | 1,920 |
| Credit loss provision to net charge-offs | 74.0741% | 2,313 |
| Earnings coverage of net charge-offs (x) | -3.8148% | 3,169 |
| Efficiency ratio | 103.5665% | 132 |
| Assets per employee ($millions) | 2.5643% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 5,190 |
| Loan loss allowance to noncurrent loans | 71.0615% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 2,349 |
| Noncurrent loans to loans | 0.7776% | 2,177 |
| Net loans and leases to total assets | 79.7107% | 1,061 |
| Net loans and leases to deposits | 94.1666% | 1,337 |
| Net loans and leases to core deposits | 95.3566% | 2,119 |
| Total domestic deposits to total assets | 84.6486% | 2,821 |
| Equity capital to assets | 9.4977% | 4,103 |
| Core capital (leverage) ratio | 10.1463% | 3,423 |
| Tier 1 risk-based capital ratio | 12.3382% | 4,283 |
| Total risk-based capital ratio | 12.9140% | 4,587 |
| Memoranda: | ||
| Average total assets | $130,690,670 | 3,699 |
| Average earning assets | $125,731,670 | 3,626 |
| Average equity | $13,697,000 | 3,838 |
| Average total loans | $111,569,330 | 3,152 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 2,792 |
| Cost of funding earning assets | 0.1816% | 5,110 |
| Net interest margin | 4.0460% | 1,576 |
| Noninterest income to average assets | 0.6987% | 1,837 |
| Noninterest expense to average assets | 4.7652% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1545% | 5,439 |
| Return on assets (ROA) | -0.1545% | 5,434 |
| Pretax return on assets | -0.1932% | 5,436 |
| Return on Equity (ROE) | -1.3988% | 5,432 |
| Retained earnings to average equity (ytd only) | -1.3988% | 4,952 |
| Net charge-offs to loans | 0.0036% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -60.0000% | 2,711 |
| Efficiency ratio | 104.2254% | 140 |
| Assets per employee ($millions) | 2.3001% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 5,225 |
| Loan loss allowance to noncurrent loans | 93.7226% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 2,718 |
| Noncurrent loans to loans | 0.6170% | 2,693 |
| Net loans and leases to total assets | 87.2518% | 179 |
| Net loans and leases to deposits | 105.7281% | 392 |
| Net loans and leases to core deposits | 106.1021% | 1,226 |
| Total domestic deposits to total assets | 82.5247% | 3,805 |
| Equity capital to assets | 10.8273% | 2,746 |
| Core capital (leverage) ratio | 10.7828% | 2,646 |
| Tier 1 risk-based capital ratio | 13.7839% | 3,505 |
| Total risk-based capital ratio | 14.4295% | 3,762 |
| Memoranda: | ||
| Average total assets | $124,234,500 | 3,826 |
| Average earning assets | $118,931,000 | 3,766 |
| Average equity | $13,726,000 | 3,869 |
| Average total loans | $109,802,500 | 3,193 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 2,679 |
| Cost of funding earning assets | 0.1833% | 5,069 |
| Net interest margin | 4.0200% | 1,689 |
| Noninterest income to average assets | 1.4758% | 484 |
| Noninterest expense to average assets | 5.3016% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0304% | 5,329 |
| Return on assets (ROA) | 0.0304% | 5,331 |
| Pretax return on assets | -0.0232% | 5,448 |
| Return on Equity (ROE) | 0.2773% | 5,332 |
| Retained earnings to average equity (ytd only) | 0.2773% | 4,916 |
| Net charge-offs to loans | 0.0468% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -0.5918% | 4,035 |
| Efficiency ratio | 100.4390% | 169 |
| Assets per employee ($millions) | 2.3915% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 5,260 |
| Loan loss allowance to noncurrent loans | 135.6540% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 3,305 |
| Noncurrent loans to loans | 0.4365% | 3,217 |
| Net loans and leases to total assets | 88.5033% | 116 |
| Net loans and leases to deposits | 108.2005% | 320 |
| Net loans and leases to core deposits | 108.9145% | 1,067 |
| Total domestic deposits to total assets | 81.7956% | 3,914 |
| Equity capital to assets | 11.2778% | 2,384 |
| Core capital (leverage) ratio | 10.8317% | 2,490 |
| Tier 1 risk-based capital ratio | 14.3216% | 3,188 |
| Total risk-based capital ratio | 14.9921% | 3,419 |
| Memoranda: | ||
| Average total assets | $125,151,200 | 3,817 |
| Average earning assets | $118,383,800 | 3,776 |
| Average equity | $13,705,600 | 3,885 |
| Average total loans | $104,790,800 | 3,268 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 2,994 |
| Cost of funding earning assets | 0.1829% | 5,117 |
| Net interest margin | 3.9143% | 1,988 |
| Noninterest income to average assets | 1.5752% | 438 |
| Noninterest expense to average assets | 5.2116% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0423% | 5,485 |
| Return on assets (ROA) | 0.0423% | 5,492 |
| Pretax return on assets | 0.0561% | 5,485 |
| Return on Equity (ROE) | 0.3895% | 5,492 |
| Retained earnings to average equity (ytd only) | 0.3895% | 5,132 |
| Net charge-offs to loans | 0.0372% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.8273% | 3,541 |
| Efficiency ratio | 98.9349% | 192 |
| Assets per employee ($millions) | 2.5403% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 5,314 |
| Loan loss allowance to noncurrent loans | 97.9321% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 3,016 |
| Noncurrent loans to loans | 0.6159% | 2,868 |
| Net loans and leases to total assets | 82.7146% | 577 |
| Net loans and leases to deposits | 99.4222% | 786 |
| Net loans and leases to core deposits | 100.0174% | 1,707 |
| Total domestic deposits to total assets | 83.1953% | 3,396 |
| Equity capital to assets | 10.4244% | 3,448 |
| Core capital (leverage) ratio | 10.5660% | 2,914 |
| Tier 1 risk-based capital ratio | 13.9728% | 3,455 |
| Total risk-based capital ratio | 14.6467% | 3,688 |
| Memoranda: | ||
| Average total assets | $125,947,750 | 3,850 |
| Average earning assets | $118,810,000 | 3,810 |
| Average equity | $13,693,250 | 3,926 |
| Average total loans | $103,842,000 | 3,314 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,039 |
| Cost of funding earning assets | 0.1836% | 5,112 |
| Net interest margin | 3.8571% | 2,068 |
| Noninterest income to average assets | 1.5109% | 474 |
| Noninterest expense to average assets | 5.3786% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1534% | 5,601 |
| Return on assets (ROA) | -0.1534% | 5,604 |
| Pretax return on assets | -0.2389% | 5,620 |
| Return on Equity (ROE) | -1.3901% | 5,600 |
| Retained earnings to average equity (ytd only) | -1.3901% | 5,273 |
| Net charge-offs to loans | 0.0059% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -49.3333% | 3,505 |
| Efficiency ratio | 104.6482% | 143 |
| Assets per employee ($millions) | 2.1812% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 5,301 |
| Loan loss allowance to noncurrent loans | 96.3636% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 2,840 |
| Noncurrent loans to loans | 0.6735% | 2,733 |
| Net loans and leases to total assets | 84.8353% | 357 |
| Net loans and leases to deposits | 103.0996% | 545 |
| Net loans and leases to core deposits | 103.7732% | 1,369 |
| Total domestic deposits to total assets | 82.2848% | 3,811 |
| Equity capital to assets | 10.9726% | 2,838 |
| Core capital (leverage) ratio | 10.7972% | 2,601 |
| Tier 1 risk-based capital ratio | 14.2705% | 3,282 |
| Total risk-based capital ratio | 14.9957% | 3,478 |
| Memoranda: | ||
| Average total assets | $123,899,000 | 3,896 |
| Average earning assets | $116,565,330 | 3,870 |
| Average equity | $13,667,670 | 3,937 |
| Average total loans | $101,814,670 | 3,365 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 3,387 |
| Cost of funding earning assets | 0.1823% | 5,137 |
| Net interest margin | 3.7217% | 2,411 |
| Noninterest income to average assets | 1.5362% | 468 |
| Noninterest expense to average assets | 5.3523% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2070% | 5,682 |
| Return on assets (ROA) | -0.2070% | 5,683 |
| Pretax return on assets | -0.3169% | 5,688 |
| Return on Equity (ROE) | -1.8713% | 5,678 |
| Retained earnings to average equity (ytd only) | -1.8713% | 5,157 |
| Net charge-offs to loans | 0.0080% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -49.0000% | 2,936 |
| Efficiency ratio | 106.2942% | 160 |
| Assets per employee ($millions) | 2.2650% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 5,335 |
| Loan loss allowance to noncurrent loans | 152.3179% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 3,709 |
| Noncurrent loans to loans | 0.4505% | 3,481 |
| Net loans and leases to total assets | 77.3552% | 1,222 |
| Net loans and leases to deposits | 93.2729% | 1,187 |
| Net loans and leases to core deposits | 93.8540% | 1,995 |
| Total domestic deposits to total assets | 82.9343% | 3,866 |
| Equity capital to assets | 10.5749% | 3,100 |
| Core capital (leverage) ratio | 10.8861% | 2,497 |
| Tier 1 risk-based capital ratio | 14.1338% | 3,394 |
| Total risk-based capital ratio | 14.8538% | 3,630 |
| Memoranda: | ||
| Average total assets | $123,684,500 | 3,937 |
| Average earning assets | $116,292,000 | 3,914 |
| Average equity | $13,680,500 | 3,966 |
| Average total loans | $99,640,500 | 3,424 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 2,974 |
| Cost of funding earning assets | 0.1570% | 5,372 |
| Net interest margin | 3.9084% | 1,937 |
| Noninterest income to average assets | 1.6236% | 465 |
| Noninterest expense to average assets | 6.1824% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.6173% | 5,804 |
| Return on assets (ROA) | -0.6486% | 5,813 |
| Pretax return on assets | -0.9661% | 5,831 |
| Return on Equity (ROE) | -5.1568% | 5,792 |
| Retained earnings to average equity (ytd only) | -5.1568% | 5,680 |
| Net charge-offs to loans | 0.0528% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -21.8085% | 4,259 |
| Efficiency ratio | 117.4706% | 89 |
| Assets per employee ($millions) | 2.0390% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 5,356 |
| Loan loss allowance to noncurrent loans | 157.2727% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 3,681 |
| Noncurrent loans to loans | 0.4457% | 3,549 |
| Net loans and leases to total assets | 82.8905% | 492 |
| Net loans and leases to deposits | 102.3289% | 514 |
| Net loans and leases to core deposits | 103.0572% | 1,352 |
| Total domestic deposits to total assets | 81.0040% | 4,331 |
| Equity capital to assets | 11.5912% | 2,087 |
| Core capital (leverage) ratio | 11.5221% | 1,911 |
| Tier 1 risk-based capital ratio | 15.3685% | 2,808 |
| Total risk-based capital ratio | 16.1477% | 2,953 |
| Memoranda: | ||
| Average total assets | $111,477,400 | 4,137 |
| Average earning assets | $103,802,200 | 4,120 |
| Average equity | $14,020,200 | 3,939 |
| Average total loans | $89,093,400 | 3,592 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,004 |
| Cost of funding earning assets | 0.1454% | 5,507 |
| Net interest margin | 3.9146% | 1,924 |
| Noninterest income to average assets | 1.5971% | 480 |
| Noninterest expense to average assets | 6.1454% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.6160% | 5,871 |
| Return on assets (ROA) | -0.6583% | 5,880 |
| Pretax return on assets | -0.9813% | 5,900 |
| Return on Equity (ROE) | -5.1258% | 5,865 |
| Retained earnings to average equity (ytd only) | -5.1258% | 5,741 |
| Net charge-offs to loans | 0.0292% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -39.7935% | 3,937 |
| Efficiency ratio | 117.5651% | 88 |
| Assets per employee ($millions) | 2.0489% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 5,326 |
| Loan loss allowance to noncurrent loans | 152.2199% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 3,733 |
| Noncurrent loans to loans | 0.4891% | 3,536 |
| Net loans and leases to total assets | 80.7720% | 787 |
| Net loans and leases to deposits | 99.3058% | 750 |
| Net loans and leases to core deposits | 100.0063% | 1,634 |
| Total domestic deposits to total assets | 81.3366% | 4,158 |
| Equity capital to assets | 11.7051% | 2,351 |
| Core capital (leverage) ratio | 11.7223% | 1,865 |
| Tier 1 risk-based capital ratio | 15.4260% | 2,862 |
| Total risk-based capital ratio | 16.2306% | 2,991 |
| Memoranda: | ||
| Average total assets | $109,781,250 | 4,199 |
| Average earning assets | $101,805,000 | 4,198 |
| Average equity | $14,098,250 | 3,965 |
| Average total loans | $86,686,750 | 3,666 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,068 |
| Cost of funding earning assets | 0.1367% | 5,635 |
| Net interest margin | 3.9114% | 1,941 |
| Noninterest income to average assets | 1.4312% | 565 |
| Noninterest expense to average assets | 6.1482% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.7156% | 5,951 |
| Return on assets (ROA) | -0.7156% | 5,957 |
| Pretax return on assets | -1.0734% | 5,974 |
| Return on Equity (ROE) | -5.3951% | 5,934 |
| Retained earnings to average equity (ytd only) | -5.3951% | 5,765 |
| Net charge-offs to loans | 0.0024% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -573.0000% | 3,687 |
| Efficiency ratio | 121.1517% | 87 |
| Assets per employee ($millions) | 1.9952% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 5,250 |
| Loan loss allowance to noncurrent loans | 154.3933% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 3,692 |
| Noncurrent loans to loans | 0.5261% | 3,504 |
| Net loans and leases to total assets | 80.6589% | 800 |
| Net loans and leases to deposits | 100.4402% | 659 |
| Net loans and leases to core deposits | 101.2254% | 1,539 |
| Total domestic deposits to total assets | 80.3054% | 4,476 |
| Equity capital to assets | 12.5346% | 1,749 |
| Core capital (leverage) ratio | 12.8441% | 1,217 |
| Tier 1 risk-based capital ratio | 16.4771% | 2,443 |
| Total risk-based capital ratio | 17.3468% | 2,539 |
| Memoranda: | ||
| Average total assets | $106,762,670 | 4,294 |
| Average earning assets | $99,452,000 | 4,281 |
| Average equity | $14,161,000 | 3,976 |
| Average total loans | $83,346,670 | 3,772 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 3,733 |
| Cost of funding earning assets | 0.1270% | 5,771 |
| Net interest margin | 3.7331% | 2,544 |
| Noninterest income to average assets | 1.2505% | 698 |
| Noninterest expense to average assets | 6.0952% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.8976% | 6,017 |
| Return on assets (ROA) | -0.8976% | 6,019 |
| Pretax return on assets | -1.3502% | 6,045 |
| Return on Equity (ROE) | -6.5735% | 5,997 |
| Retained earnings to average equity (ytd only) | -6.5735% | 5,698 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.4559% | 75 |
| Assets per employee ($millions) | 2.0463% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 5,118 |
| Loan loss allowance to noncurrent loans | 94.3806% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 2,820 |
| Noncurrent loans to loans | 0.9338% | 2,514 |
| Net loans and leases to total assets | 76.6309% | 1,302 |
| Net loans and leases to deposits | 91.1314% | 1,451 |
| Net loans and leases to core deposits | 92.3496% | 2,151 |
| Total domestic deposits to total assets | 84.0883% | 3,484 |
| Equity capital to assets | 13.0257% | 1,392 |
| Core capital (leverage) ratio | 13.4654% | 996 |
| Tier 1 risk-based capital ratio | 18.3188% | 1,904 |
| Total risk-based capital ratio | 19.2777% | 1,944 |
| Memoranda: | ||
| Average total assets | $104,278,500 | 4,383 |
| Average earning assets | $97,612,000 | 4,347 |
| Average equity | $14,239,000 | 3,977 |
| Average total loans | $79,590,500 | 3,865 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 5,132 |
| Cost of funding earning assets | 0.1275% | 5,836 |
| Net interest margin | 3.2829% | 4,361 |
| Noninterest income to average assets | 1.0974% | 976 |
| Noninterest expense to average assets | 6.4260% | 163 |
| Loan and lease loss provision to assets | 0.1844% | 1,215 |
| Net operating income to assets | -1.6211% | 6,128 |
| Return on assets (ROA) | -1.6426% | 6,129 |
| Pretax return on assets | -2.4493% | 6,150 |
| Return on Equity (ROE) | -11.2590% | 6,111 |
| Retained earnings to average equity (ytd only) | -11.2590% | 6,053 |
| Net charge-offs to loans | 0.0409% | 3,401 |
| Credit loss provision to net charge-offs | 766.6667% | 435 |
| Earnings coverage of net charge-offs (x) | -92.8333% | 4,455 |
| Efficiency ratio | 153.2505% | 34 |
| Assets per employee ($millions) | 1.7875% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,710 |
| Loan loss allowance to noncurrent loans | 93.7817% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 2,706 |
| Noncurrent loans to loans | 1.0460% | 2,240 |
| Net loans and leases to total assets | 74.5170% | 1,643 |
| Net loans and leases to deposits | 87.2331% | 1,971 |
| Net loans and leases to core deposits | 88.0133% | 2,602 |
| Total domestic deposits to total assets | 85.4229% | 2,892 |
| Equity capital to assets | 14.3364% | 821 |
| Core capital (leverage) ratio | 13.8005% | 876 |
| Tier 1 risk-based capital ratio | 19.8271% | 1,511 |
| Total risk-based capital ratio | 20.8660% | 1,530 |
| Memoranda: | ||
| Average total assets | $99,782,400 | 4,467 |
| Average earning assets | $94,092,600 | 4,430 |
| Average equity | $14,557,200 | 3,896 |
| Average total loans | $58,728,400 | 4,409 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2556% | 5,494 |
| Cost of funding earning assets | 0.1259% | 5,945 |
| Net interest margin | 3.1297% | 4,884 |
| Noninterest income to average assets | 1.0096% | 1,162 |
| Noninterest expense to average assets | 6.3681% | 165 |
| Loan and lease loss provision to assets | 0.2260% | 816 |
| Net operating income to assets | -1.7553% | 6,223 |
| Return on assets (ROA) | -1.7839% | 6,224 |
| Pretax return on assets | -2.6692% | 6,240 |
| Return on Equity (ROE) | -12.1750% | 6,200 |
| Retained earnings to average equity (ytd only) | -12.1750% | 6,156 |
| Net charge-offs to loans | 0.0562% | 2,801 |
| Credit loss provision to net charge-offs | 734.7826% | 473 |
| Earnings coverage of net charge-offs (x) | -78.0329% | 4,175 |
| Efficiency ratio | 160.4988% | 32 |
| Assets per employee ($millions) | 1.9116% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,436 |
| Loan loss allowance to noncurrent loans | 63.9894% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 2,180 |
| Noncurrent loans to loans | 1.6508% | 1,490 |
| Net loans and leases to total assets | 63.4376% | 3,388 |
| Net loans and leases to deposits | 73.6439% | 3,581 |
| Net loans and leases to core deposits | 74.2535% | 3,992 |
| Total domestic deposits to total assets | 86.1411% | 2,462 |
| Equity capital to assets | 13.7011% | 1,142 |
| Core capital (leverage) ratio | 13.9085% | 888 |
| Tier 1 risk-based capital ratio | 20.7571% | 1,392 |
| Total risk-based capital ratio | 21.8006% | 1,392 |
| Memoranda: | ||
| Average total assets | $99,702,500 | 4,515 |
| Average earning assets | $94,233,750 | 4,479 |
| Average equity | $14,608,750 | 3,934 |
| Average total loans | $54,577,500 | 4,588 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1605% | 5,672 |
| Cost of funding earning assets | 0.1347% | 5,950 |
| Net interest margin | 3.0258% | 5,163 |
| Noninterest income to average assets | 0.8576% | 1,580 |
| Noninterest expense to average assets | 6.2723% | 172 |
| Loan and lease loss provision to assets | 0.1933% | 1,030 |
| Net operating income to assets | -1.8239% | 6,299 |
| Return on assets (ROA) | -1.8673% | 6,299 |
| Pretax return on assets | -2.8092% | 6,317 |
| Return on Equity (ROE) | -12.4475% | 6,270 |
| Retained earnings to average equity (ytd only) | -12.4475% | 6,213 |
| Net charge-offs to loans | 0.0281% | 3,102 |
| Credit loss provision to net charge-offs | 1,342.8571% | 272 |
| Earnings coverage of net charge-offs (x) | -177.1429% | 3,888 |
| Efficiency ratio | 168.5083% | 28 |
| Assets per employee ($millions) | 1.7880% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 4,209 |
| Loan loss allowance to noncurrent loans | 72.5490% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.0566% | 2,395 |
| Noncurrent loans to loans | 1.5486% | 1,707 |
| Net loans and leases to total assets | 59.6026% | 3,890 |
| Net loans and leases to deposits | 70.1251% | 3,920 |
| Net loans and leases to core deposits | 70.7652% | 4,252 |
| Total domestic deposits to total assets | 84.9946% | 3,123 |
| Equity capital to assets | 14.8478% | 730 |
| Core capital (leverage) ratio | 14.5679% | 694 |
| Tier 1 risk-based capital ratio | 23.4371% | 1,021 |
| Total risk-based capital ratio | 24.5231% | 1,027 |
| Memoranda: | ||
| Average total assets | $97,253,330 | 4,607 |
| Average earning assets | $92,075,000 | 4,557 |
| Average equity | $14,589,330 | 3,948 |
| Average total loans | $49,891,670 | 4,754 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9712% | 5,925 |
| Cost of funding earning assets | 0.1311% | 6,053 |
| Net interest margin | 2.8401% | 5,569 |
| Noninterest income to average assets | 0.8189% | 1,636 |
| Noninterest expense to average assets | 5.7946% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.4766% | 6,351 |
| Return on assets (ROA) | -1.4766% | 6,354 |
| Pretax return on assets | -2.2872% | 6,372 |
| Return on Equity (ROE) | -9.7919% | 6,316 |
| Retained earnings to average equity (ytd only) | -9.7919% | 6,130 |
| Net charge-offs to loans | 0.0354% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -138.2500% | 3,282 |
| Efficiency ratio | 165.2123% | 35 |
| Assets per employee ($millions) | 2.0394% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 4,201 |
| Loan loss allowance to noncurrent loans | 81.1001% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 3,257 |
| Noncurrent loans to loans | 1.4308% | 1,999 |
| Net loans and leases to total assets | 49.0103% | 4,939 |
| Net loans and leases to deposits | 57.4733% | 4,953 |
| Net loans and leases to core deposits | 57.9863% | 5,123 |
| Total domestic deposits to total assets | 85.2750% | 3,278 |
| Equity capital to assets | 14.6880% | 783 |
| Core capital (leverage) ratio | 14.7370% | 649 |
| Tier 1 risk-based capital ratio | 26.8439% | 725 |
| Total risk-based capital ratio | 27.9189% | 724 |
| Memoranda: | ||
| Average total assets | $96,711,000 | 4,651 |
| Average earning assets | $91,544,500 | 4,603 |
| Average equity | $14,583,500 | 3,978 |
| Average total loans | $45,198,500 | 4,945 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6937% | 6,262 |
| Cost of funding earning assets | 0.1376% | 6,166 |
| Net interest margin | 2.5561% | 6,107 |
| Noninterest income to average assets | 0.4547% | 3,800 |
| Noninterest expense to average assets | 2.7377% | 3,722 |
| Loan and lease loss provision to assets | -0.1150% | 6,172 |
| Net operating income to assets | 0.2145% | 5,738 |
| Return on assets (ROA) | 0.2145% | 5,797 |
| Pretax return on assets | 0.2720% | 5,754 |
| Return on Equity (ROE) | 1.4368% | 5,907 |
| Retained earnings to average equity (ytd only) | -0.2681% | 5,813 |
| Net charge-offs to loans | 0.1290% | 2,730 |
| Credit loss provision to net charge-offs | -215.3846% | 5,645 |
| Earnings coverage of net charge-offs (x) | 2.9423% | 4,022 |
| Efficiency ratio | 94.5745% | 567 |
| Assets per employee ($millions) | 2.7497% | 5,983 |
| Cash dividends to net income (ytd only)* | 118.6603% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 2,864 |
| Loan loss allowance to noncurrent loans | 91.3249% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 3,543 |
| Noncurrent loans to loans | 1.5522% | 1,887 |
| Net loans and leases to total assets | 43.0698% | 5,535 |
| Net loans and leases to deposits | 50.9909% | 5,532 |
| Net loans and leases to core deposits | 51.6476% | 5,634 |
| Total domestic deposits to total assets | 84.4657% | 3,523 |
| Equity capital to assets | 15.4979% | 608 |
| Core capital (leverage) ratio | 14.7054% | 664 |
| Tier 1 risk-based capital ratio | 30.8337% | 480 |
| Total risk-based capital ratio | 31.8685% | 476 |
| Memoranda: | ||
| Average total assets | $97,417,200 | 4,664 |
| Average earning assets | $92,993,200 | 4,581 |
| Average equity | $14,546,200 | 3,927 |
| Average total loans | $40,325,000 | 5,170 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6430% | 6,358 |
| Cost of funding earning assets | 0.1374% | 6,254 |
| Net interest margin | 2.5056% | 6,217 |
| Noninterest income to average assets | 0.4471% | 3,911 |
| Noninterest expense to average assets | 2.4878% | 4,567 |
| Loan and lease loss provision to assets | -0.1518% | 6,349 |
| Net operating income to assets | 0.3645% | 5,385 |
| Return on assets (ROA) | 0.3645% | 5,456 |
| Pretax return on assets | 0.5081% | 5,307 |
| Return on Equity (ROE) | 2.4632% | 5,717 |
| Retained earnings to average equity (ytd only) | 0.7600% | 5,574 |
| Net charge-offs to loans | 0.1559% | 2,249 |
| Credit loss provision to net charge-offs | -238.2979% | 5,605 |
| Earnings coverage of net charge-offs (x) | 5.5953% | 3,232 |
| Efficiency ratio | 87.4702% | 1,053 |
| Assets per employee ($millions) | 4.6961% | 2,678 |
| Cash dividends to net income (ytd only)* | 69.1435% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 2,800 |
| Loan loss allowance to noncurrent loans | 74.6803% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 3,545 |
| Noncurrent loans to loans | 1.9888% | 1,597 |
| Net loans and leases to total assets | 37.4944% | 5,967 |
| Net loans and leases to deposits | 43.7434% | 5,982 |
| Net loans and leases to core deposits | 44.2441% | 6,032 |
| Total domestic deposits to total assets | 85.7144% | 3,005 |
| Equity capital to assets | 14.1859% | 944 |
| Core capital (leverage) ratio | 14.2925% | 772 |
| Tier 1 risk-based capital ratio | 31.1368% | 477 |
| Total risk-based capital ratio | 32.3717% | 469 |
| Memoranda: | ||
| Average total assets | $98,399,000 | 4,687 |
| Average earning assets | $94,132,250 | 4,599 |
| Average equity | $14,560,500 | 3,939 |
| Average total loans | $40,195,000 | 5,234 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6786% | 6,405 |
| Cost of funding earning assets | 0.1387% | 6,321 |
| Net interest margin | 2.5399% | 6,233 |
| Noninterest income to average assets | 0.4093% | 4,177 |
| Noninterest expense to average assets | 2.4886% | 4,615 |
| Loan and lease loss provision to assets | -0.2315% | 6,492 |
| Net operating income to assets | 0.4051% | 5,204 |
| Return on assets (ROA) | 0.4051% | 5,283 |
| Pretax return on assets | 0.5746% | 5,039 |
| Return on Equity (ROE) | 2.6981% | 5,628 |
| Retained earnings to average equity (ytd only) | 0.1377% | 5,646 |
| Net charge-offs to loans | 0.1680% | 2,051 |
| Credit loss provision to net charge-offs | -329.4118% | 5,486 |
| Earnings coverage of net charge-offs (x) | 4.8824% | 3,028 |
| Efficiency ratio | 87.8832% | 1,096 |
| Assets per employee ($millions) | 4.4123% | 3,069 |
| Cash dividends to net income (ytd only)* | 94.8980% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 2,946 |
| Loan loss allowance to noncurrent loans | 97.2313% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 4,076 |
| Noncurrent loans to loans | 1.5337% | 2,265 |
| Net loans and leases to total assets | 40.6284% | 5,775 |
| Net loans and leases to deposits | 47.8622% | 5,779 |
| Net loans and leases to core deposits | 48.6757% | 5,865 |
| Total domestic deposits to total assets | 84.8862% | 3,569 |
| Equity capital to assets | 14.9974% | 700 |
| Core capital (leverage) ratio | 14.7744% | 641 |
| Tier 1 risk-based capital ratio | 31.1863% | 476 |
| Total risk-based capital ratio | 32.4336% | 469 |
| Memoranda: | ||
| Average total assets | $96,760,670 | 4,757 |
| Average earning assets | $92,287,330 | 4,672 |
| Average equity | $14,528,670 | 3,937 |
| Average total loans | $40,486,330 | 5,255 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6504% | 6,498 |
| Cost of funding earning assets | 0.1384% | 6,410 |
| Net interest margin | 2.5121% | 6,323 |
| Noninterest income to average assets | 0.3934% | 4,243 |
| Noninterest expense to average assets | 2.6210% | 4,206 |
| Loan and lease loss provision to assets | -0.4637% | 6,658 |
| Net operating income to assets | 0.4472% | 4,944 |
| Return on assets (ROA) | 0.4472% | 5,014 |
| Pretax return on assets | 0.6418% | 4,690 |
| Return on Equity (ROE) | 2.9764% | 5,467 |
| Retained earnings to average equity (ytd only) | 0.4134% | 5,414 |
| Net charge-offs to loans | 0.0295% | 2,993 |
| Credit loss provision to net charge-offs | -3,733.3333% | 5,570 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,617 |
| Efficiency ratio | 93.6391% | 770 |
| Assets per employee ($millions) | 4.2211% | 3,484 |
| Cash dividends to net income (ytd only)* | 86.1111% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 2,985 |
| Loan loss allowance to noncurrent loans | 62.1782% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 3,068 |
| Noncurrent loans to loans | 2.4732% | 1,400 |
| Net loans and leases to total assets | 41.4159% | 5,715 |
| Net loans and leases to deposits | 48.8305% | 5,681 |
| Net loans and leases to core deposits | 49.6597% | 5,781 |
| Total domestic deposits to total assets | 84.8155% | 3,951 |
| Equity capital to assets | 14.9877% | 678 |
| Core capital (leverage) ratio | 14.7189% | 645 |
| Tier 1 risk-based capital ratio | 32.2940% | 438 |
| Total risk-based capital ratio | 33.5403% | 430 |
| Memoranda: | ||
| Average total assets | $96,606,000 | 4,809 |
| Average earning assets | $92,513,500 | 4,711 |
| Average equity | $14,514,000 | 3,948 |
| Average total loans | $40,712,000 | 5,291 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9616% | 6,377 |
| Cost of funding earning assets | 0.1513% | 6,534 |
| Net interest margin | 2.8102% | 5,961 |
| Noninterest income to average assets | 0.5086% | 3,701 |
| Noninterest expense to average assets | 2.5429% | 4,635 |
| Loan and lease loss provision to assets | 0.1452% | 2,484 |
| Net operating income to assets | 0.3258% | 5,434 |
| Return on assets (ROA) | 0.3258% | 5,540 |
| Pretax return on assets | 0.4773% | 5,269 |
| Return on Equity (ROE) | 2.1457% | 5,785 |
| Retained earnings to average equity (ytd only) | 0.2201% | 5,745 |
| Net charge-offs to loans | 0.4135% | 1,621 |
| Credit loss provision to net charge-offs | 76.7956% | 3,121 |
| Earnings coverage of net charge-offs (x) | 3.2928% | 3,907 |
| Efficiency ratio | 80.3365% | 2,100 |
| Assets per employee ($millions) | 4.1794% | 3,488 |
| Cash dividends to net income (ytd only)* | 89.7436% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 1,970 |
| Loan loss allowance to noncurrent loans | 68.2277% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 2,832 |
| Noncurrent loans to loans | 2.6831% | 1,369 |
| Net loans and leases to total assets | 41.4498% | 5,855 |
| Net loans and leases to deposits | 48.8979% | 5,839 |
| Net loans and leases to core deposits | 49.5806% | 5,961 |
| Total domestic deposits to total assets | 84.7679% | 3,859 |
| Equity capital to assets | 15.0604% | 662 |
| Core capital (leverage) ratio | 14.2252% | 764 |
| Tier 1 risk-based capital ratio | 32.9123% | 403 |
| Total risk-based capital ratio | 34.1686% | 399 |
| Memoranda: | ||
| Average total assets | $95,755,400 | 4,843 |
| Average earning assets | $90,525,800 | 4,759 |
| Average equity | $14,541,000 | 3,957 |
| Average total loans | $43,775,800 | 5,204 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0291% | 6,396 |
| Cost of funding earning assets | 0.1540% | 6,622 |
| Net interest margin | 2.8751% | 5,866 |
| Noninterest income to average assets | 0.6662% | 2,795 |
| Noninterest expense to average assets | 2.5547% | 4,531 |
| Loan and lease loss provision to assets | 0.1937% | 1,883 |
| Net operating income to assets | 0.4195% | 5,164 |
| Return on assets (ROA) | 0.4195% | 5,311 |
| Pretax return on assets | 0.6244% | 4,933 |
| Return on Equity (ROE) | 2.7569% | 5,695 |
| Retained earnings to average equity (ytd only) | 0.1923% | 5,876 |
| Net charge-offs to loans | 0.5205% | 1,236 |
| Credit loss provision to net charge-offs | 79.8851% | 2,857 |
| Earnings coverage of net charge-offs (x) | 3.3736% | 3,724 |
| Efficiency ratio | 75.7438% | 2,762 |
| Assets per employee ($millions) | 4.5878% | 2,740 |
| Cash dividends to net income (ytd only)* | 93.0230% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,018 |
| Loan loss allowance to noncurrent loans | 65.8472% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 2,802 |
| Noncurrent loans to loans | 2.8778% | 1,428 |
| Net loans and leases to total assets | 36.7981% | 6,237 |
| Net loans and leases to deposits | 42.7336% | 6,273 |
| Net loans and leases to core deposits | 43.3882% | 6,331 |
| Total domestic deposits to total assets | 86.1106% | 3,189 |
| Equity capital to assets | 13.7463% | 1,038 |
| Core capital (leverage) ratio | 14.1861% | 823 |
| Tier 1 risk-based capital ratio | 30.2814% | 504 |
| Total risk-based capital ratio | 31.5346% | 502 |
| Memoranda: | ||
| Average total assets | $95,662,750 | 4,889 |
| Average earning assets | $90,058,250 | 4,811 |
| Average equity | $14,557,000 | 3,998 |
| Average total loans | $44,573,000 | 5,219 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2074% | 6,220 |
| Cost of funding earning assets | 0.1632% | 6,658 |
| Net interest margin | 3.0442% | 5,449 |
| Noninterest income to average assets | 0.7188% | 2,555 |
| Noninterest expense to average assets | 2.6890% | 4,070 |
| Loan and lease loss provision to assets | 0.3009% | 1,198 |
| Net operating income to assets | 0.3984% | 5,220 |
| Return on assets (ROA) | 0.3984% | 5,385 |
| Pretax return on assets | 0.5954% | 5,031 |
| Return on Equity (ROE) | 2.5250% | 5,784 |
| Retained earnings to average equity (ytd only) | -0.0412% | 5,863 |
| Net charge-offs to loans | 0.7051% | 927 |
| Credit loss provision to net charge-offs | 85.2761% | 2,537 |
| Earnings coverage of net charge-offs (x) | 2.5399% | 3,677 |
| Efficiency ratio | 75.0000% | 2,944 |
| Assets per employee ($millions) | 4.2501% | 3,251 |
| Cash dividends to net income (ytd only)* | 101.6304% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 2,730 |
| Loan loss allowance to noncurrent loans | 65.3219% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.5754% | 2,745 |
| Noncurrent loans to loans | 2.6238% | 1,746 |
| Net loans and leases to total assets | 44.6436% | 5,681 |
| Net loans and leases to deposits | 52.5821% | 5,636 |
| Net loans and leases to core deposits | 53.2078% | 5,808 |
| Total domestic deposits to total assets | 84.9026% | 3,937 |
| Equity capital to assets | 14.8744% | 737 |
| Core capital (leverage) ratio | 14.7532% | 657 |
| Tier 1 risk-based capital ratio | 29.5666% | 545 |
| Total risk-based capital ratio | 30.8204% | 537 |
| Memoranda: | ||
| Average total assets | $92,377,330 | 5,002 |
| Average earning assets | $86,985,000 | 4,929 |
| Average equity | $14,574,330 | 4,029 |
| Average total loans | $46,237,670 | 5,172 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 6,215 |
| Cost of funding earning assets | 0.1757% | 6,693 |
| Net interest margin | 3.0918% | 5,290 |
| Noninterest income to average assets | 0.8206% | 2,046 |
| Noninterest expense to average assets | 2.5243% | 4,678 |
| Loan and lease loss provision to assets | 0.0892% | 3,176 |
| Net operating income to assets | 0.8652% | 2,837 |
| Return on assets (ROA) | 0.8652% | 2,977 |
| Pretax return on assets | 1.1105% | 2,914 |
| Return on Equity (ROE) | 5.3182% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.7413% | 4,643 |
| Net charge-offs to loans | 0.2375% | 2,025 |
| Credit loss provision to net charge-offs | 71.4286% | 2,271 |
| Earnings coverage of net charge-offs (x) | 9.6071% | 1,818 |
| Efficiency ratio | 67.7844% | 4,349 |
| Assets per employee ($millions) | 3.9629% | 4,033 |
| Cash dividends to net income (ytd only)* | 48.4536% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 3,033 |
| Loan loss allowance to noncurrent loans | 43.8735% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.4642% | 1,874 |
| Noncurrent loans to loans | 3.8643% | 1,187 |
| Net loans and leases to total assets | 49.4289% | 5,061 |
| Net loans and leases to deposits | 59.1977% | 4,887 |
| Net loans and leases to core deposits | 59.9667% | 5,152 |
| Total domestic deposits to total assets | 83.4981% | 4,672 |
| Equity capital to assets | 16.0993% | 546 |
| Core capital (leverage) ratio | 16.3695% | 417 |
| Tier 1 risk-based capital ratio | 30.1206% | 522 |
| Total risk-based capital ratio | 31.3755% | 517 |
| Memoranda: | ||
| Average total assets | $89,690,000 | 5,104 |
| Average earning assets | $84,222,500 | 5,037 |
| Average equity | $14,591,500 | 4,073 |
| Average total loans | $47,156,000 | 5,164 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 5,921 |
| Cost of funding earning assets | 0.2387% | 6,716 |
| Net interest margin | 3.5245% | 4,399 |
| Noninterest income to average assets | 1.2295% | 1,029 |
| Noninterest expense to average assets | 2.9775% | 3,356 |
| Loan and lease loss provision to assets | 0.4674% | 1,335 |
| Net operating income to assets | 0.6867% | 3,800 |
| Return on assets (ROA) | 0.6867% | 4,059 |
| Pretax return on assets | 1.1077% | 3,126 |
| Return on Equity (ROE) | 4.1131% | 5,097 |
| Retained earnings to average equity (ytd only) | 1.8481% | 4,919 |
| Net charge-offs to loans | 1.1357% | 915 |
| Credit loss provision to net charge-offs | 70.0870% | 4,160 |
| Earnings coverage of net charge-offs (x) | 2.3617% | 4,230 |
| Efficiency ratio | 65.4013% | 4,628 |
| Assets per employee ($millions) | 3.6764% | 4,613 |
| Cash dividends to net income (ytd only)* | 55.0676% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 3,222 |
| Loan loss allowance to noncurrent loans | 77.4926% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.6864% | 2,869 |
| Noncurrent loans to loans | 2.0894% | 2,591 |
| Net loans and leases to total assets | 54.0580% | 4,610 |
| Net loans and leases to deposits | 65.0097% | 4,425 |
| Net loans and leases to core deposits | 65.8862% | 4,749 |
| Total domestic deposits to total assets | 83.1537% | 4,656 |
| Equity capital to assets | 16.4440% | 487 |
| Core capital (leverage) ratio | 16.4019% | 405 |
| Tier 1 risk-based capital ratio | 28.6849% | 579 |
| Total risk-based capital ratio | 29.8902% | 571 |
| Memoranda: | ||
| Average total assets | $86,214,200 | 5,183 |
| Average earning assets | $81,288,400 | 5,094 |
| Average equity | $14,393,200 | 4,089 |
| Average total loans | $50,631,200 | 5,083 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 5,983 |
| Cost of funding earning assets | 0.2499% | 6,811 |
| Net interest margin | 3.5678% | 4,365 |
| Noninterest income to average assets | 1.1636% | 1,127 |
| Noninterest expense to average assets | 2.9059% | 3,577 |
| Loan and lease loss provision to assets | 0.3236% | 2,030 |
| Net operating income to assets | 0.8711% | 3,122 |
| Return on assets (ROA) | 0.8711% | 3,369 |
| Pretax return on assets | 1.3098% | 2,559 |
| Return on Equity (ROE) | 5.1980% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.0352% | 4,729 |
| Net charge-offs to loans | 0.9459% | 1,142 |
| Credit loss provision to net charge-offs | 57.3003% | 4,226 |
| Earnings coverage of net charge-offs (x) | 2.8926% | 3,881 |
| Efficiency ratio | 64.0164% | 4,801 |
| Assets per employee ($millions) | 4.1375% | 3,607 |
| Cash dividends to net income (ytd only)* | 41.6072% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,500 |
| Loan loss allowance to noncurrent loans | 60.2102% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.2335% | 2,388 |
| Noncurrent loans to loans | 2.6649% | 2,125 |
| Net loans and leases to total assets | 54.0308% | 4,743 |
| Net loans and leases to deposits | 64.6090% | 4,642 |
| Net loans and leases to core deposits | 65.3829% | 5,015 |
| Total domestic deposits to total assets | 83.6274% | 4,381 |
| Equity capital to assets | 16.0287% | 602 |
| Core capital (leverage) ratio | 16.4998% | 427 |
| Tier 1 risk-based capital ratio | 27.8264% | 672 |
| Total risk-based capital ratio | 29.0800% | 657 |
| Memoranda: | ||
| Average total assets | $85,709,500 | 5,254 |
| Average earning assets | $81,093,250 | 5,141 |
| Average equity | $14,364,250 | 4,132 |
| Average total loans | $51,168,500 | 5,120 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 5,917 |
| Cost of funding earning assets | 0.2735% | 6,825 |
| Net interest margin | 3.6280% | 4,149 |
| Noninterest income to average assets | 0.9841% | 1,503 |
| Noninterest expense to average assets | 2.9522% | 3,433 |
| Loan and lease loss provision to assets | 0.3288% | 2,002 |
| Net operating income to assets | 0.7649% | 3,537 |
| Return on assets (ROA) | 0.7649% | 3,801 |
| Pretax return on assets | 1.1485% | 3,124 |
| Return on Equity (ROE) | 4.4930% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.2317% | 5,581 |
| Net charge-offs to loans | 1.2179% | 885 |
| Credit loss provision to net charge-offs | 43.9490% | 4,173 |
| Earnings coverage of net charge-offs (x) | 1.9745% | 3,991 |
| Efficiency ratio | 66.6487% | 4,395 |
| Assets per employee ($millions) | 3.6040% | 4,746 |
| Cash dividends to net income (ytd only)* | 72.5857% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 4,031 |
| Loan loss allowance to noncurrent loans | 43.3167% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.1751% | 2,568 |
| Noncurrent loans to loans | 3.4500% | 1,672 |
| Net loans and leases to total assets | 62.1042% | 3,408 |
| Net loans and leases to deposits | 75.1072% | 3,112 |
| Net loans and leases to core deposits | 76.3980% | 3,728 |
| Total domestic deposits to total assets | 82.6873% | 4,881 |
| Equity capital to assets | 17.2753% | 410 |
| Core capital (leverage) ratio | 17.1285% | 352 |
| Tier 1 risk-based capital ratio | 28.9695% | 574 |
| Total risk-based capital ratio | 30.2220% | 559 |
| Memoranda: | ||
| Average total assets | $83,938,000 | 5,327 |
| Average earning assets | $79,714,330 | 5,217 |
| Average equity | $14,289,000 | 4,138 |
| Average total loans | $51,563,670 | 5,119 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 6,196 |
| Cost of funding earning assets | 0.3050% | 6,827 |
| Net interest margin | 3.5202% | 4,593 |
| Noninterest income to average assets | 0.8998% | 1,747 |
| Noninterest expense to average assets | 2.9031% | 3,612 |
| Loan and lease loss provision to assets | 0.4878% | 1,247 |
| Net operating income to assets | 0.5636% | 4,526 |
| Return on assets (ROA) | 0.5636% | 4,747 |
| Pretax return on assets | 0.8430% | 4,256 |
| Return on Equity (ROE) | 3.3349% | 5,577 |
| Retained earnings to average equity (ytd only) | 3.3349% | 4,563 |
| Net charge-offs to loans | 1.6636% | 578 |
| Credit loss provision to net charge-offs | 48.3568% | 3,311 |
| Earnings coverage of net charge-offs (x) | 1.3192% | 3,673 |
| Efficiency ratio | 68.5682% | 4,056 |
| Assets per employee ($millions) | 3.7217% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 3,509 |
| Loan loss allowance to noncurrent loans | 59.1894% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 3,318 |
| Noncurrent loans to loans | 2.8009% | 2,309 |
| Net loans and leases to total assets | 58.6969% | 3,921 |
| Net loans and leases to deposits | 70.6885% | 3,630 |
| Net loans and leases to core deposits | 71.8716% | 4,173 |
| Total domestic deposits to total assets | 83.0360% | 4,912 |
| Equity capital to assets | 16.7946% | 461 |
| Core capital (leverage) ratio | 16.8951% | 363 |
| Tier 1 risk-based capital ratio | 26.1877% | 789 |
| Total risk-based capital ratio | 27.4349% | 774 |
| Memoranda: | ||
| Average total assets | $84,460,500 | 5,356 |
| Average earning assets | $79,994,500 | 5,246 |
| Average equity | $14,273,500 | 4,143 |
| Average total loans | $51,215,000 | 5,173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 6,060 |
| Cost of funding earning assets | 0.4073% | 6,869 |
| Net interest margin | 3.7907% | 3,875 |
| Noninterest income to average assets | 0.7757% | 2,192 |
| Noninterest expense to average assets | 2.7590% | 4,513 |
| Loan and lease loss provision to assets | 0.8233% | 1,183 |
| Net operating income to assets | 0.5281% | 4,311 |
| Return on assets (ROA) | 0.5281% | 4,512 |
| Pretax return on assets | 0.7916% | 4,010 |
| Return on Equity (ROE) | 3.2466% | 5,180 |
| Retained earnings to average equity (ytd only) | 1.5296% | 5,122 |
| Net charge-offs to loans | 1.1166% | 1,540 |
| Credit loss provision to net charge-offs | 113.4454% | 2,896 |
| Earnings coverage of net charge-offs (x) | 2.2252% | 4,117 |
| Efficiency ratio | 63.0786% | 5,282 |
| Assets per employee ($millions) | 3.4718% | 5,094 |
| Cash dividends to net income (ytd only)* | 52.8868% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 2,670 |
| Loan loss allowance to noncurrent loans | 91.1429% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 4,125 |
| Noncurrent loans to loans | 2.0452% | 3,147 |
| Net loans and leases to total assets | 60.4666% | 3,902 |
| Net loans and leases to deposits | 73.0026% | 3,662 |
| Net loans and leases to core deposits | 74.0955% | 4,229 |
| Total domestic deposits to total assets | 82.8281% | 4,821 |
| Equity capital to assets | 17.0075% | 441 |
| Core capital (leverage) ratio | 17.0382% | 360 |
| Tier 1 risk-based capital ratio | 27.0295% | 707 |
| Total risk-based capital ratio | 28.2788% | 681 |
| Memoranda: | ||
| Average total assets | $81,986,000 | 5,407 |
| Average earning assets | $77,823,000 | 5,294 |
| Average equity | $13,337,200 | 4,272 |
| Average total loans | $53,284,800 | 5,138 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 5,970 |
| Cost of funding earning assets | 0.4278% | 6,947 |
| Net interest margin | 3.8655% | 3,543 |
| Noninterest income to average assets | 0.6679% | 2,783 |
| Noninterest expense to average assets | 2.6567% | 4,880 |
| Loan and lease loss provision to assets | 0.2204% | 3,811 |
| Net operating income to assets | 0.9732% | 2,419 |
| Return on assets (ROA) | 0.9732% | 2,588 |
| Pretax return on assets | 1.4647% | 1,750 |
| Return on Equity (ROE) | 6.0527% | 4,001 |
| Retained earnings to average equity (ytd only) | 3.7271% | 4,096 |
| Net charge-offs to loans | 0.4414% | 2,959 |
| Credit loss provision to net charge-offs | 75.8427% | 4,283 |
| Earnings coverage of net charge-offs (x) | 5.7977% | 2,694 |
| Efficiency ratio | 61.1884% | 5,533 |
| Assets per employee ($millions) | 3.5809% | 4,803 |
| Cash dividends to net income (ytd only)* | 38.4232% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,808 |
| Loan loss allowance to noncurrent loans | 66.5603% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.8478% | 3,336 |
| Noncurrent loans to loans | 2.3560% | 2,945 |
| Net loans and leases to total assets | 60.9132% | 3,961 |
| Net loans and leases to deposits | 73.0706% | 3,797 |
| Net loans and leases to core deposits | 74.9603% | 4,324 |
| Total domestic deposits to total assets | 83.3620% | 4,534 |
| Equity capital to assets | 15.4418% | 737 |
| Core capital (leverage) ratio | 15.8605% | 523 |
| Tier 1 risk-based capital ratio | 24.4092% | 967 |
| Total risk-based capital ratio | 25.6632% | 952 |
| Memoranda: | ||
| Average total assets | $81,652,000 | 5,451 |
| Average earning assets | $77,608,000 | 5,340 |
| Average equity | $13,128,750 | 4,319 |
| Average total loans | $53,771,250 | 5,173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 5,476 |
| Cost of funding earning assets | 0.4544% | 6,990 |
| Net interest margin | 4.0082% | 2,798 |
| Noninterest income to average assets | 0.5385% | 3,569 |
| Noninterest expense to average assets | 2.7100% | 4,782 |
| Loan and lease loss provision to assets | 0.1870% | 4,045 |
| Net operating income to assets | 0.9773% | 2,323 |
| Return on assets (ROA) | 0.9773% | 2,424 |
| Pretax return on assets | 1.4684% | 1,619 |
| Return on Equity (ROE) | 5.9933% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.1280% | 3,570 |
| Net charge-offs to loans | 0.0593% | 5,056 |
| Credit loss provision to net charge-offs | 468.7500% | 655 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 724 |
| Efficiency ratio | 62.0788% | 5,574 |
| Assets per employee ($millions) | 3.3982% | 5,206 |
| Cash dividends to net income (ytd only)* | 31.1224% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 3,163 |
| Loan loss allowance to noncurrent loans | 49.8668% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 2.4066% | 2,750 |
| Noncurrent loans to loans | 3.5022% | 2,019 |
| Net loans and leases to total assets | 67.3742% | 2,745 |
| Net loans and leases to deposits | 82.3028% | 2,406 |
| Net loans and leases to core deposits | 84.3435% | 3,158 |
| Total domestic deposits to total assets | 81.8613% | 5,212 |
| Equity capital to assets | 16.9513% | 488 |
| Core capital (leverage) ratio | 16.6056% | 440 |
| Tier 1 risk-based capital ratio | 24.8787% | 915 |
| Total risk-based capital ratio | 26.0699% | 903 |
| Memoranda: | ||
| Average total assets | $80,222,000 | 5,542 |
| Average earning assets | $76,592,670 | 5,410 |
| Average equity | $13,081,330 | 4,324 |
| Average total loans | $53,967,000 | 5,212 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 5,878 |
| Cost of funding earning assets | 0.4689% | 7,069 |
| Net interest margin | 3.8750% | 3,269 |
| Noninterest income to average assets | 0.5169% | 3,751 |
| Noninterest expense to average assets | 2.6977% | 4,843 |
| Loan and lease loss provision to assets | 0.0985% | 4,776 |
| Net operating income to assets | 0.9452% | 2,374 |
| Return on assets (ROA) | 0.9452% | 2,438 |
| Pretax return on assets | 1.4227% | 1,665 |
| Return on Equity (ROE) | 5.9088% | 3,957 |
| Retained earnings to average equity (ytd only) | 2.1543% | 4,846 |
| Net charge-offs to loans | 0.1034% | 3,922 |
| Credit loss provision to net charge-offs | 142.8571% | 1,972 |
| Earnings coverage of net charge-offs (x) | 22.0714% | 1,064 |
| Efficiency ratio | 63.9440% | 5,371 |
| Assets per employee ($millions) | 3.4107% | 5,212 |
| Cash dividends to net income (ytd only)* | 63.5417% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 3,568 |
| Loan loss allowance to noncurrent loans | 46.4004% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.4457% | 2,778 |
| Noncurrent loans to loans | 3.5365% | 2,105 |
| Net loans and leases to total assets | 64.6579% | 3,318 |
| Net loans and leases to deposits | 77.8132% | 3,091 |
| Net loans and leases to core deposits | 79.9345% | 3,770 |
| Total domestic deposits to total assets | 83.0937% | 4,891 |
| Equity capital to assets | 15.9314% | 586 |
| Core capital (leverage) ratio | 15.8809% | 523 |
| Tier 1 risk-based capital ratio | 24.7546% | 904 |
| Total risk-based capital ratio | 26.0106% | 882 |
| Memoranda: | ||
| Average total assets | $81,253,500 | 5,555 |
| Average earning assets | $77,625,500 | 5,424 |
| Average equity | $12,997,500 | 4,339 |
| Average total loans | $54,153,000 | 5,247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 5,422 |
| Cost of funding earning assets | 0.6625% | 6,977 |
| Net interest margin | 4.1333% | 2,434 |
| Noninterest income to average assets | 0.8345% | 2,125 |
| Noninterest expense to average assets | 2.8225% | 4,512 |
| Loan and lease loss provision to assets | 0.2566% | 4,738 |
| Net operating income to assets | 1.1351% | 1,594 |
| Return on assets (ROA) | 1.1351% | 1,673 |
| Pretax return on assets | 1.6202% | 1,086 |
| Return on Equity (ROE) | 7.4278% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.7488% | 1,963 |
| Net charge-offs to loans | 0.0727% | 6,070 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 624 |
| Efficiency ratio | 60.0624% | 6,035 |
| Assets per employee ($millions) | 3.5065% | 4,923 |
| Cash dividends to net income (ytd only)* | 22.6050% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,538 |
| Loan loss allowance to noncurrent loans | 73.3278% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6057% | 3,902 |
| Noncurrent loans to loans | 2.1947% | 3,319 |
| Net loans and leases to total assets | 66.4836% | 3,357 |
| Net loans and leases to deposits | 80.1109% | 3,153 |
| Net loans and leases to core deposits | 81.0898% | 4,045 |
| Total domestic deposits to total assets | 82.9895% | 4,799 |
| Equity capital to assets | 16.0620% | 573 |
| Core capital (leverage) ratio | 15.6480% | 552 |
| Tier 1 risk-based capital ratio | 23.8674% | 946 |
| Total risk-based capital ratio | 25.1227% | 925 |
| Memoranda: | ||
| Average total assets | $81,842,200 | 5,536 |
| Average earning assets | $76,524,400 | 5,464 |
| Average equity | $12,507,000 | 4,475 |
| Average total loans | $57,739,200 | 5,169 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 5,310 |
| Cost of funding earning assets | 0.6980% | 7,066 |
| Net interest margin | 4.1935% | 2,239 |
| Noninterest income to average assets | 0.7272% | 2,660 |
| Noninterest expense to average assets | 2.7156% | 4,812 |
| Loan and lease loss provision to assets | 0.2597% | 4,512 |
| Net operating income to assets | 1.1070% | 1,863 |
| Return on assets (ROA) | 1.1070% | 1,968 |
| Pretax return on assets | 1.6524% | 1,210 |
| Return on Equity (ROE) | 7.3360% | 3,187 |
| Retained earnings to average equity (ytd only) | 5.0771% | 2,930 |
| Net charge-offs to loans | -0.0182% | 7,343 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6812% | 6,167 |
| Assets per employee ($millions) | 3.6170% | 4,694 |
| Cash dividends to net income (ytd only)* | 30.7915% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,753 |
| Loan loss allowance to noncurrent loans | 108.9441% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.0638% | 4,986 |
| Noncurrent loans to loans | 1.4182% | 4,487 |
| Net loans and leases to total assets | 67.1763% | 3,414 |
| Net loans and leases to deposits | 80.0011% | 3,452 |
| Net loans and leases to core deposits | 81.4861% | 4,323 |
| Total domestic deposits to total assets | 83.9692% | 4,144 |
| Equity capital to assets | 15.2879% | 826 |
| Core capital (leverage) ratio | 15.5509% | 628 |
| Tier 1 risk-based capital ratio | 22.4250% | 1,146 |
| Total risk-based capital ratio | 23.6793% | 1,114 |
| Memoranda: | ||
| Average total assets | $82,140,250 | 5,592 |
| Average earning assets | $76,402,750 | 5,535 |
| Average equity | $12,395,250 | 4,571 |
| Average total loans | $58,550,000 | 5,204 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 5,069 |
| Cost of funding earning assets | 0.8217% | 6,845 |
| Net interest margin | 4.1506% | 2,333 |
| Noninterest income to average assets | 0.5062% | 4,063 |
| Noninterest expense to average assets | 2.7485% | 4,705 |
| Loan and lease loss provision to assets | 0.2445% | 4,475 |
| Net operating income to assets | 0.9096% | 2,520 |
| Return on assets (ROA) | 0.9096% | 2,629 |
| Pretax return on assets | 1.3547% | 1,936 |
| Return on Equity (ROE) | 6.0549% | 3,781 |
| Retained earnings to average equity (ytd only) | 2.6205% | 4,473 |
| Net charge-offs to loans | -0.0338% | 7,377 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2171% | 5,482 |
| Assets per employee ($millions) | 3.3685% | 5,263 |
| Cash dividends to net income (ytd only)* | 56.7204% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,650 |
| Loan loss allowance to noncurrent loans | 95.0116% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 4,704 |
| Noncurrent loans to loans | 1.4271% | 4,572 |
| Net loans and leases to total assets | 76.9061% | 1,310 |
| Net loans and leases to deposits | 94.1592% | 1,254 |
| Net loans and leases to core deposits | 96.6566% | 2,369 |
| Total domestic deposits to total assets | 81.6767% | 5,118 |
| Equity capital to assets | 15.9329% | 681 |
| Core capital (leverage) ratio | 15.5225% | 633 |
| Tier 1 risk-based capital ratio | 20.8534% | 1,366 |
| Total risk-based capital ratio | 22.1046% | 1,337 |
| Memoranda: | ||
| Average total assets | $81,790,330 | 5,637 |
| Average earning assets | $75,700,330 | 5,587 |
| Average equity | $12,287,670 | 4,600 |
| Average total loans | $59,146,330 | 5,222 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 6,078 |
| Cost of funding earning assets | 0.8003% | 7,088 |
| Net interest margin | 3.9494% | 3,103 |
| Noninterest income to average assets | 0.4860% | 4,151 |
| Noninterest expense to average assets | 2.6874% | 4,964 |
| Loan and lease loss provision to assets | 0.1906% | 4,593 |
| Net operating income to assets | 0.8291% | 2,837 |
| Return on assets (ROA) | 0.8291% | 2,933 |
| Pretax return on assets | 1.2293% | 2,267 |
| Return on Equity (ROE) | 5.6772% | 4,024 |
| Retained earnings to average equity (ytd only) | -1.2072% | 6,080 |
| Net charge-offs to loans | -0.0137% | 6,972 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4292% | 5,235 |
| Assets per employee ($millions) | 3.5383% | 4,949 |
| Cash dividends to net income (ytd only)* | 121.2644% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,108 |
| Loan loss allowance to noncurrent loans | 81.3651% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 4,515 |
| Noncurrent loans to loans | 1.5574% | 4,406 |
| Net loans and leases to total assets | 71.9022% | 2,471 |
| Net loans and leases to deposits | 85.3720% | 2,709 |
| Net loans and leases to core deposits | 88.1275% | 3,608 |
| Total domestic deposits to total assets | 84.2222% | 4,035 |
| Equity capital to assets | 15.0406% | 873 |
| Core capital (leverage) ratio | 14.8680% | 777 |
| Tier 1 risk-based capital ratio | 20.6964% | 1,392 |
| Total risk-based capital ratio | 21.9460% | 1,367 |
| Memoranda: | ||
| Average total assets | $83,948,000 | 5,636 |
| Average earning assets | $76,974,500 | 5,604 |
| Average equity | $12,259,500 | 4,644 |
| Average total loans | $58,518,500 | 5,317 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 5,949 |
| Cost of funding earning assets | 1.0308% | 7,144 |
| Net interest margin | 4.1017% | 2,437 |
| Noninterest income to average assets | 1.0696% | 1,344 |
| Noninterest expense to average assets | 2.7990% | 4,980 |
| Loan and lease loss provision to assets | 0.2585% | 5,330 |
| Net operating income to assets | 1.1779% | 1,306 |
| Return on assets (ROA) | 1.1779% | 1,348 |
| Pretax return on assets | 1.7983% | 638 |
| Return on Equity (ROE) | 7.2885% | 2,670 |
| Retained earnings to average equity (ytd only) | -10.7691% | 6,577 |
| Net charge-offs to loans | 0.3103% | 4,693 |
| Credit loss provision to net charge-offs | 112.9032% | 4,855 |
| Earnings coverage of net charge-offs (x) | 8.9839% | 1,856 |
| Efficiency ratio | 57.6426% | 6,815 |
| Assets per employee ($millions) | 3.7616% | 4,371 |
| Cash dividends to net income (ytd only)* | 247.7534% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,193 |
| Loan loss allowance to noncurrent loans | 78.2561% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,619 |
| Noncurrent loans to loans | 1.5682% | 4,299 |
| Net loans and leases to total assets | 65.9566% | 4,159 |
| Net loans and leases to deposits | 83.2745% | 3,405 |
| Net loans and leases to core deposits | 99.1641% | 4,095 |
| Total domestic deposits to total assets | 79.2038% | 5,932 |
| Equity capital to assets | 14.1928% | 1,106 |
| Core capital (leverage) ratio | 14.9324% | 803 |
| Tier 1 risk-based capital ratio | 18.9184% | 1,668 |
| Total risk-based capital ratio | 20.0183% | 1,666 |
| Memoranda: | ||
| Average total assets | $81,243,000 | 5,691 |
| Average earning assets | $74,992,800 | 5,640 |
| Average equity | $13,130,200 | 4,484 |
| Average total loans | $59,938,200 | 5,254 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 5,838 |
| Cost of funding earning assets | 1.0808% | 7,218 |
| Net interest margin | 4.1286% | 2,291 |
| Noninterest income to average assets | 1.1644% | 1,164 |
| Noninterest expense to average assets | 2.8126% | 4,837 |
| Loan and lease loss provision to assets | 0.2335% | 5,105 |
| Net operating income to assets | 1.2828% | 1,262 |
| Return on assets (ROA) | 1.2828% | 1,337 |
| Pretax return on assets | 1.9735% | 570 |
| Return on Equity (ROE) | 7.6843% | 2,777 |
| Retained earnings to average equity (ytd only) | -2.6680% | 5,861 |
| Net charge-offs to loans | 0.3483% | 3,898 |
| Credit loss provision to net charge-offs | 88.6076% | 5,519 |
| Earnings coverage of net charge-offs (x) | 8.3735% | 2,254 |
| Efficiency ratio | 56.0319% | 6,994 |
| Assets per employee ($millions) | 3.7409% | 4,333 |
| Cash dividends to net income (ytd only)* | 134.7202% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,425 |
| Loan loss allowance to noncurrent loans | 51.3472% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.7015% | 3,827 |
| Noncurrent loans to loans | 2.2351% | 3,339 |
| Net loans and leases to total assets | 66.7724% | 4,239 |
| Net loans and leases to deposits | 79.5401% | 4,469 |
| Net loans and leases to core deposits | 93.4269% | 5,080 |
| Total domestic deposits to total assets | 83.9482% | 3,745 |
| Equity capital to assets | 15.5126% | 886 |
| Core capital (leverage) ratio | 15.6409% | 737 |
| Tier 1 risk-based capital ratio | 22.7915% | 1,133 |
| Total risk-based capital ratio | 23.9421% | 1,124 |
| Memoranda: | ||
| Average total assets | $79,924,750 | 5,765 |
| Average earning assets | $74,632,250 | 5,690 |
| Average equity | $13,343,000 | 4,447 |
| Average total loans | $60,479,750 | 5,261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4798% | 4,735 |
| Cost of funding earning assets | 1.1625% | 7,209 |
| Net interest margin | 4.3172% | 1,605 |
| Noninterest income to average assets | 1.3199% | 879 |
| Noninterest expense to average assets | 2.8683% | 4,648 |
| Loan and lease loss provision to assets | 0.2054% | 4,997 |
| Net operating income to assets | 1.4406% | 944 |
| Return on assets (ROA) | 1.4406% | 1,009 |
| Pretax return on assets | 2.2417% | 330 |
| Return on Equity (ROE) | 8.4097% | 2,604 |
| Retained earnings to average equity (ytd only) | -7.1205% | 6,577 |
| Net charge-offs to loans | 0.0718% | 5,502 |
| Credit loss provision to net charge-offs | 363.6364% | 1,272 |
| Earnings coverage of net charge-offs (x) | 43.3182% | 766 |
| Efficiency ratio | 53.9614% | 7,336 |
| Assets per employee ($millions) | 3.7986% | 4,098 |
| Cash dividends to net income (ytd only)* | 184.6702% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 4,729 |
| Loan loss allowance to noncurrent loans | 49.2053% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.1123% | 3,045 |
| Noncurrent loans to loans | 2.5051% | 2,888 |
| Net loans and leases to total assets | 74.6324% | 2,535 |
| Net loans and leases to deposits | 90.6703% | 2,723 |
| Net loans and leases to core deposits | 107.9452% | 3,617 |
| Total domestic deposits to total assets | 82.3119% | 4,563 |
| Equity capital to assets | 16.6314% | 725 |
| Core capital (leverage) ratio | 16.7209% | 649 |
| Tier 1 risk-based capital ratio | 22.2661% | 1,215 |
| Total risk-based capital ratio | 23.5144% | 1,186 |
| Memoranda: | ||
| Average total assets | $77,886,330 | 5,869 |
| Average earning assets | $72,083,330 | 5,820 |
| Average equity | $13,341,670 | 4,458 |
| Average total loans | $61,267,000 | 5,281 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 4,810 |
| Cost of funding earning assets | 1.2241% | 7,240 |
| Net interest margin | 4.2956% | 1,618 |
| Noninterest income to average assets | 1.2477% | 919 |
| Noninterest expense to average assets | 2.8592% | 4,306 |
| Loan and lease loss provision to assets | 0.0780% | 5,978 |
| Net operating income to assets | 1.4920% | 953 |
| Return on assets (ROA) | 1.4920% | 1,023 |
| Pretax return on assets | 2.3238% | 350 |
| Return on Equity (ROE) | 8.5806% | 2,895 |
| Retained earnings to average equity (ytd only) | -17.9685% | 7,583 |
| Net charge-offs to loans | 0.1360% | 3,872 |
| Credit loss provision to net charge-offs | 71.4286% | 4,328 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,319 |
| Efficiency ratio | 54.3478% | 7,184 |
| Assets per employee ($millions) | 3.6964% | 4,349 |
| Cash dividends to net income (ytd only)* | 309.4077% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 5,733 |
| Loan loss allowance to noncurrent loans | 64.0566% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 3,532 |
| Noncurrent loans to loans | 1.6593% | 3,784 |
| Net loans and leases to total assets | 81.4222% | 1,115 |
| Net loans and leases to deposits | 99.1249% | 1,520 |
| Net loans and leases to core deposits | 118.6239% | 2,538 |
| Total domestic deposits to total assets | 82.1411% | 4,494 |
| Equity capital to assets | 16.8348% | 742 |
| Core capital (leverage) ratio | 16.9243% | 666 |
| Tier 1 risk-based capital ratio | 21.1105% | 1,434 |
| Total risk-based capital ratio | 22.2024% | 1,429 |
| Memoranda: | ||
| Average total assets | $76,944,000 | 5,915 |
| Average earning assets | $71,888,000 | 5,849 |
| Average equity | $13,379,000 | 4,483 |
| Average total loans | $61,761,500 | 5,295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 5,676 |
| Cost of funding earning assets | 1.7115% | 7,233 |
| Net interest margin | 4.2622% | 2,088 |
| Noninterest income to average assets | 0.5856% | 3,970 |
| Noninterest expense to average assets | 2.7660% | 4,981 |
| Loan and lease loss provision to assets | 0.6269% | 2,325 |
| Net operating income to assets | 0.7862% | 3,499 |
| Return on assets (ROA) | 0.7862% | 3,340 |
| Pretax return on assets | 1.2489% | 2,485 |
| Return on Equity (ROE) | 4.6015% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.5779% | 4,271 |
| Net charge-offs to loans | 0.6597% | 1,881 |
| Credit loss provision to net charge-offs | 132.2751% | 4,028 |
| Earnings coverage of net charge-offs (x) | 3.9577% | 4,162 |
| Efficiency ratio | 59.5894% | 6,420 |
| Assets per employee ($millions) | 3.3158% | 5,175 |
| Cash dividends to net income (ytd only)* | 65.7097% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 4,931 |
| Loan loss allowance to noncurrent loans | 60.2993% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,010 |
| Noncurrent loans to loans | 1.9048% | 2,892 |
| Net loans and leases to total assets | 77.3049% | 2,309 |
| Net loans and leases to deposits | 95.1962% | 2,580 |
| Net loans and leases to core deposits | 114.1897% | 3,321 |
| Total domestic deposits to total assets | 81.2058% | 4,557 |
| Equity capital to assets | 17.9510% | 653 |
| Core capital (leverage) ratio | 17.8511% | 622 |
| Tier 1 risk-based capital ratio | 22.3880% | 1,265 |
| Total risk-based capital ratio | 23.4857% | 1,252 |
| Memoranda: | ||
| Average total assets | $79,753,200 | 5,713 |
| Average earning assets | $75,900,200 | 5,591 |
| Average equity | $13,626,000 | 4,416 |
| Average total loans | $57,298,200 | 5,394 |