Home > Taylorsville Savings Bank, SSB > Performance and Condition Ratios
Taylorsville Savings Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 2,653 |
| Cost of funding earning assets | 0.8091% | 3,709 |
| Net interest margin | 3.9020% | 1,374 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.9098% | 1,259 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.6727% | 3,256 |
| Return on assets (ROA) | 0.6727% | 3,242 |
| Pretax return on assets | 0.8727% | 3,035 |
| Return on Equity (ROE) | 9.6500% | 2,593 |
| Retained earnings to average equity (ytd only) | 9.6500% | 1,105 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6835% | 1,382 |
| Assets per employee ($millions) | 5.2220% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 3,436 |
| Loan loss allowance to noncurrent loans | 141.4857% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 1,004 |
| Noncurrent loans to loans | 0.6894% | 1,143 |
| Net loans and leases to total assets | 80.2300% | 619 |
| Net loans and leases to deposits | 89.4476% | 1,310 |
| Net loans and leases to core deposits | 102.6051% | 1,298 |
| Total domestic deposits to total assets | 89.6900% | 848 |
| Equity capital to assets | 7.5074% | 3,714 |
| Core capital (leverage) ratio | 9.6364% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8589% | 1,303 |
| Memoranda: | ||
| Average total assets | $145,988,400 | 3,405 |
| Average earning assets | $134,342,600 | 3,399 |
| Average equity | $10,176,200 | 3,702 |
| Average total loans | $113,812,600 | 3,009 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 2,584 |
| Cost of funding earning assets | 0.6032% | 3,965 |
| Net interest margin | 4.0386% | 1,164 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.7499% | 1,542 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.7907% | 3,047 |
| Return on assets (ROA) | 0.7907% | 3,050 |
| Pretax return on assets | 1.1452% | 2,442 |
| Return on Equity (ROE) | 11.5900% | 2,227 |
| Retained earnings to average equity (ytd only) | 11.5880% | 1,052 |
| Net charge-offs to loans | -0.0012% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.3468% | 1,982 |
| Assets per employee ($millions) | 5.4137% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,463 |
| Loan loss allowance to noncurrent loans | 131.3596% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 981 |
| Noncurrent loans to loans | 0.7464% | 1,113 |
| Net loans and leases to total assets | 79.8200% | 669 |
| Net loans and leases to deposits | 90.7065% | 1,176 |
| Net loans and leases to core deposits | 98.3538% | 1,424 |
| Total domestic deposits to total assets | 87.9900% | 1,577 |
| Equity capital to assets | 6.5508% | 3,814 |
| Core capital (leverage) ratio | 9.9120% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7634% | 1,140 |
| Memoranda: | ||
| Average total assets | $143,320,750 | 3,432 |
| Average earning assets | $131,528,250 | 3,438 |
| Average equity | $9,780,000 | 3,744 |
| Average total loans | $110,536,000 | 3,048 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 2,444 |
| Cost of funding earning assets | 0.4132% | 4,144 |
| Net interest margin | 4.1711% | 971 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.8428% | 1,341 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.8110% | 3,048 |
| Return on assets (ROA) | 0.8110% | 3,056 |
| Pretax return on assets | 1.1696% | 2,446 |
| Return on Equity (ROE) | 11.7200% | 2,244 |
| Retained earnings to average equity (ytd only) | 11.7163% | 1,043 |
| Net charge-offs to loans | -0.0019% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.4247% | 1,931 |
| Assets per employee ($millions) | 5.1408% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,266 |
| Loan loss allowance to noncurrent loans | 130.1887% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 852 |
| Noncurrent loans to loans | 0.7952% | 957 |
| Net loans and leases to total assets | 77.9000% | 844 |
| Net loans and leases to deposits | 85.2247% | 1,574 |
| Net loans and leases to core deposits | 95.3911% | 1,502 |
| Total domestic deposits to total assets | 91.4100% | 522 |
| Equity capital to assets | 6.9452% | 3,825 |
| Core capital (leverage) ratio | 10.1186% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6508% | 1,180 |
| Memoranda: | ||
| Average total assets | $140,566,333 | 3,471 |
| Average earning assets | $128,742,667 | 3,478 |
| Average equity | $9,730,000 | 3,772 |
| Average total loans | $106,652,667 | 3,096 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 2,313 |
| Cost of funding earning assets | 0.2895% | 4,222 |
| Net interest margin | 4.2109% | 934 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.7794% | 1,486 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.8554% | 3,000 |
| Return on assets (ROA) | 0.8554% | 2,948 |
| Pretax return on assets | 1.2327% | 2,344 |
| Return on Equity (ROE) | 12.3800% | 2,119 |
| Retained earnings to average equity (ytd only) | 12.3795% | 1,197 |
| Net charge-offs to loans | -0.0116% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.7357% | 2,235 |
| Assets per employee ($millions) | 4.8357% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,468 |
| Loan loss allowance to noncurrent loans | 157.9587% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 875 |
| Noncurrent loans to loans | 0.7705% | 1,003 |
| Net loans and leases to total assets | 75.2400% | 1,056 |
| Net loans and leases to deposits | 82.8114% | 1,585 |
| Net loans and leases to core deposits | 89.0708% | 1,674 |
| Total domestic deposits to total assets | 90.8600% | 842 |
| Equity capital to assets | 7.0482% | 3,805 |
| Core capital (leverage) ratio | 10.0994% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4603% | 1,272 |
| Memoranda: | ||
| Average total assets | $138,878,500 | 3,530 |
| Average earning assets | $127,098,500 | 3,538 |
| Average equity | $9,596,500 | 3,829 |
| Average total loans | $103,324,000 | 3,171 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 3,190 |
| Cost of funding earning assets | 0.2160% | 3,623 |
| Net interest margin | 3.2406% | 2,736 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.6739% | 1,621 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.3391% | 4,328 |
| Return on assets (ROA) | 0.3391% | 4,295 |
| Pretax return on assets | 0.4978% | 4,173 |
| Return on Equity (ROE) | 4.6700% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.6730% | 3,186 |
| Net charge-offs to loans | 0.0070% | 2,143 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 868 |
| Efficiency ratio | 83.1688% | 529 |
| Assets per employee ($millions) | 4.7422% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,273 |
| Loan loss allowance to noncurrent loans | 157.6774% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 892 |
| Noncurrent loans to loans | 0.7763% | 957 |
| Net loans and leases to total assets | 71.7100% | 1,448 |
| Net loans and leases to deposits | 78.3124% | 1,910 |
| Net loans and leases to core deposits | 83.7482% | 1,889 |
| Total domestic deposits to total assets | 91.5600% | 767 |
| Equity capital to assets | 6.7690% | 3,780 |
| Core capital (leverage) ratio | 9.9524% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7093% | 1,185 |
| Memoranda: | ||
| Average total assets | $138,600,000 | 3,546 |
| Average earning assets | $127,292,000 | 3,554 |
| Average equity | $10,057,800 | 3,866 |
| Average total loans | $85,460,600 | 3,340 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2322% | 3,355 |
| Cost of funding earning assets | 0.2204% | 3,034 |
| Net interest margin | 3.0118% | 3,190 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.6499% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3332% | 4,339 |
| Return on assets (ROA) | 0.3332% | 4,295 |
| Pretax return on assets | 0.4829% | 4,172 |
| Return on Equity (ROE) | 4.5200% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.5159% | 3,279 |
| Net charge-offs to loans | 0.0098% | 1,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 83.8333% | 1,021 |
| Efficiency ratio | 84.5847% | 513 |
| Assets per employee ($millions) | 4.8311% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,097 |
| Loan loss allowance to noncurrent loans | 128.3978% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 815 |
| Noncurrent loans to loans | 1.0025% | 771 |
| Net loans and leases to total assets | 63.6000% | 2,124 |
| Net loans and leases to deposits | 69.4166% | 2,420 |
| Net loans and leases to core deposits | 74.0579% | 2,343 |
| Total domestic deposits to total assets | 91.6200% | 1,004 |
| Equity capital to assets | 6.6481% | 3,682 |
| Core capital (leverage) ratio | 9.6554% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6164% | 1,061 |
| Memoranda: | ||
| Average total assets | $138,869,250 | 3,566 |
| Average earning assets | $127,671,000 | 3,576 |
| Average equity | $10,245,000 | 3,885 |
| Average total loans | $81,867,500 | 3,397 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9948% | 3,574 |
| Cost of funding earning assets | 0.2243% | 2,592 |
| Net interest margin | 2.7705% | 3,526 |
| Noninterest income to average assets | 0.3467% | 3,074 |
| Noninterest expense to average assets | 2.6463% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1676% | 4,462 |
| Return on assets (ROA) | 0.1676% | 4,425 |
| Pretax return on assets | 0.2513% | 4,350 |
| Return on Equity (ROE) | 2.1979% | 4,329 |
| Retained earnings to average equity (ytd only) | 2.1979% | 3,696 |
| Net charge-offs to loans | 0.0101% | 1,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,219 |
| Efficiency ratio | 91.3260% | 359 |
| Assets per employee ($millions) | 4.9030% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,754 |
| Loan loss allowance to noncurrent loans | 121.7573% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 813 |
| Noncurrent loans to loans | 1.1489% | 706 |
| Net loans and leases to total assets | 57.7036% | 2,562 |
| Net loans and leases to deposits | 63.0811% | 2,799 |
| Net loans and leases to core deposits | 68.5112% | 2,606 |
| Total domestic deposits to total assets | 91.4753% | 1,038 |
| Equity capital to assets | 6.8093% | 3,867 |
| Core capital (leverage) ratio | 9.4638% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8758% | 1,008 |
| Memoranda: | ||
| Average total assets | $138,458,667 | 3,616 |
| Average earning assets | $127,486,333 | 3,629 |
| Average equity | $10,555,333 | 3,926 |
| Average total loans | $79,066,667 | 3,464 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8731% | 3,601 |
| Cost of funding earning assets | 0.2281% | 2,428 |
| Net interest margin | 2.6451% | 3,543 |
| Noninterest income to average assets | 0.3485% | 3,007 |
| Noninterest expense to average assets | 2.6180% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1142% | 4,448 |
| Return on assets (ROA) | 0.1142% | 4,416 |
| Pretax return on assets | 0.1757% | 4,352 |
| Return on Equity (ROE) | 1.4192% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.4192% | 3,716 |
| Net charge-offs to loans | 0.0052% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 854 |
| Efficiency ratio | 93.7107% | 394 |
| Assets per employee ($millions) | 4.6812% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,602 |
| Loan loss allowance to noncurrent loans | 117.2864% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 799 |
| Noncurrent loans to loans | 1.2657% | 695 |
| Net loans and leases to total assets | 55.1450% | 2,618 |
| Net loans and leases to deposits | 60.7080% | 2,833 |
| Net loans and leases to core deposits | 65.1107% | 2,709 |
| Total domestic deposits to total assets | 90.8365% | 1,113 |
| Equity capital to assets | 7.4774% | 3,947 |
| Core capital (leverage) ratio | 9.6932% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6626% | 944 |
| Memoranda: | ||
| Average total assets | $136,594,500 | 3,651 |
| Average earning assets | $126,273,500 | 3,654 |
| Average equity | $10,992,000 | 3,954 |
| Average total loans | $76,994,500 | 3,509 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2321% | 3,397 |
| Cost of funding earning assets | 0.2850% | 2,550 |
| Net interest margin | 2.9471% | 3,333 |
| Noninterest income to average assets | 0.9608% | 1,076 |
| Noninterest expense to average assets | 3.1167% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5193% | 4,039 |
| Return on assets (ROA) | 0.5193% | 4,087 |
| Pretax return on assets | 0.5492% | 4,177 |
| Return on Equity (ROE) | 5.8917% | 3,799 |
| Retained earnings to average equity (ytd only) | 5.8917% | 2,410 |
| Net charge-offs to loans | 0.1575% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 5.9237% | 2,426 |
| Efficiency ratio | 85.0193% | 517 |
| Assets per employee ($millions) | 4.1485% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 1,389 |
| Loan loss allowance to noncurrent loans | 113.1783% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 786 |
| Noncurrent loans to loans | 1.3691% | 682 |
| Net loans and leases to total assets | 55.9012% | 2,627 |
| Net loans and leases to deposits | 62.4080% | 2,845 |
| Net loans and leases to core deposits | 66.8294% | 2,750 |
| Total domestic deposits to total assets | 89.5738% | 1,190 |
| Equity capital to assets | 8.6500% | 3,935 |
| Core capital (leverage) ratio | 10.0685% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6256% | 804 |
| Memoranda: | ||
| Average total assets | $127,283,800 | 3,715 |
| Average earning assets | $116,827,800 | 3,724 |
| Average equity | $11,219,200 | 4,014 |
| Average total loans | $74,929,600 | 3,562 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 3,476 |
| Cost of funding earning assets | 0.2961% | 2,629 |
| Net interest margin | 2.9665% | 3,394 |
| Noninterest income to average assets | 1.1319% | 887 |
| Noninterest expense to average assets | 3.2147% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5612% | 4,077 |
| Return on assets (ROA) | 0.5612% | 4,120 |
| Pretax return on assets | 0.6332% | 4,185 |
| Return on Equity (ROE) | 6.3358% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.3358% | 2,679 |
| Net charge-offs to loans | 0.2121% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.0252% | 2,240 |
| Efficiency ratio | 83.5443% | 544 |
| Assets per employee ($millions) | 4.0803% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,430 |
| Loan loss allowance to noncurrent loans | 110.0943% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 878 |
| Noncurrent loans to loans | 1.4197% | 749 |
| Net loans and leases to total assets | 56.2905% | 2,696 |
| Net loans and leases to deposits | 63.3625% | 2,918 |
| Net loans and leases to core deposits | 67.1012% | 2,848 |
| Total domestic deposits to total assets | 88.8389% | 1,378 |
| Equity capital to assets | 8.5886% | 4,144 |
| Core capital (leverage) ratio | 10.1312% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0690% | 804 |
| Memoranda: | ||
| Average total assets | $125,916,750 | 3,770 |
| Average earning assets | $115,283,250 | 3,785 |
| Average equity | $11,153,250 | 4,073 |
| Average total loans | $74,817,500 | 3,613 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 3,434 |
| Cost of funding earning assets | 0.3078% | 2,701 |
| Net interest margin | 2.9887% | 3,354 |
| Noninterest income to average assets | 1.5438% | 522 |
| Noninterest expense to average assets | 3.4656% | 487 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7767% | 3,577 |
| Return on assets (ROA) | 0.7767% | 3,639 |
| Pretax return on assets | 0.8105% | 3,843 |
| Return on Equity (ROE) | 8.6769% | 3,201 |
| Retained earnings to average equity (ytd only) | 8.6769% | 1,824 |
| Net charge-offs to loans | 0.3099% | 278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.3448% | 2,034 |
| Efficiency ratio | 81.0455% | 725 |
| Assets per employee ($millions) | 4.0201% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,242 |
| Loan loss allowance to noncurrent loans | 104.8387% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 899 |
| Noncurrent loans to loans | 1.5392% | 732 |
| Net loans and leases to total assets | 55.4516% | 2,965 |
| Net loans and leases to deposits | 62.2694% | 3,171 |
| Net loans and leases to core deposits | 66.7010% | 3,053 |
| Total domestic deposits to total assets | 89.0510% | 1,260 |
| Equity capital to assets | 8.7157% | 4,035 |
| Core capital (leverage) ratio | 10.1918% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3691% | 773 |
| Memoranda: | ||
| Average total assets | $124,366,000 | 3,807 |
| Average earning assets | $113,694,667 | 3,810 |
| Average equity | $11,133,000 | 4,084 |
| Average total loans | $74,868,333 | 3,635 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4369% | 3,098 |
| Cost of funding earning assets | 0.3297% | 2,709 |
| Net interest margin | 3.1072% | 2,963 |
| Noninterest income to average assets | 2.5493% | 260 |
| Noninterest expense to average assets | 3.1089% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2286% | 395 |
| Return on assets (ROA) | 2.2286% | 429 |
| Pretax return on assets | 2.2777% | 610 |
| Return on Equity (ROE) | 24.5549% | 274 |
| Retained earnings to average equity (ytd only) | 24.5549% | 148 |
| Net charge-offs to loans | -0.0105% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7157% | 3,344 |
| Assets per employee ($millions) | 3.8144% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 1,020 |
| Loan loss allowance to noncurrent loans | 109.5238% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 903 |
| Noncurrent loans to loans | 1.5627% | 785 |
| Net loans and leases to total assets | 58.7626% | 2,711 |
| Net loans and leases to deposits | 66.2321% | 2,896 |
| Net loans and leases to core deposits | 71.1354% | 2,771 |
| Total domestic deposits to total assets | 88.7222% | 1,488 |
| Equity capital to assets | 9.0446% | 3,635 |
| Core capital (leverage) ratio | 10.9085% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7141% | 710 |
| Memoranda: | ||
| Average total assets | $122,228,000 | 3,836 |
| Average earning assets | $111,612,000 | 3,850 |
| Average equity | $11,093,500 | 4,097 |
| Average total loans | $76,050,500 | 3,627 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 2,783 |
| Cost of funding earning assets | 0.4757% | 3,113 |
| Net interest margin | 3.5070% | 2,453 |
| Noninterest income to average assets | 0.3331% | 3,465 |
| Noninterest expense to average assets | 3.0580% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4221% | 4,204 |
| Return on assets (ROA) | 0.4221% | 4,281 |
| Pretax return on assets | 0.4715% | 4,320 |
| Return on Equity (ROE) | 4.4613% | 4,038 |
| Retained earnings to average equity (ytd only) | 4.4613% | 2,557 |
| Net charge-offs to loans | -0.0074% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6417% | 507 |
| Assets per employee ($millions) | 3.5933% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,094 |
| Loan loss allowance to noncurrent loans | 160.5493% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 1,543 |
| Noncurrent loans to loans | 1.0424% | 1,363 |
| Net loans and leases to total assets | 63.7199% | 2,402 |
| Net loans and leases to deposits | 71.9822% | 2,685 |
| Net loans and leases to core deposits | 76.0128% | 2,728 |
| Total domestic deposits to total assets | 88.5217% | 1,214 |
| Equity capital to assets | 9.1095% | 3,966 |
| Core capital (leverage) ratio | 10.7466% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8734% | 788 |
| Memoranda: | ||
| Average total assets | $113,473,400 | 3,835 |
| Average earning assets | $103,422,400 | 3,854 |
| Average equity | $10,736,800 | 4,116 |
| Average total loans | $81,473,600 | 3,530 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 2,678 |
| Cost of funding earning assets | 0.5010% | 3,217 |
| Net interest margin | 3.5967% | 2,282 |
| Noninterest income to average assets | 0.2935% | 3,726 |
| Noninterest expense to average assets | 3.0125% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5098% | 4,000 |
| Return on assets (ROA) | 0.5098% | 4,094 |
| Pretax return on assets | 0.5573% | 4,180 |
| Return on Equity (ROE) | 5.3354% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.3354% | 2,411 |
| Net charge-offs to loans | -0.0048% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3875% | 580 |
| Assets per employee ($millions) | 3.6647% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 1,128 |
| Loan loss allowance to noncurrent loans | 137.6609% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 1,451 |
| Noncurrent loans to loans | 1.1553% | 1,313 |
| Net loans and leases to total assets | 67.6965% | 2,284 |
| Net loans and leases to deposits | 76.7692% | 2,680 |
| Net loans and leases to core deposits | 82.7689% | 2,599 |
| Total domestic deposits to total assets | 88.1819% | 1,129 |
| Equity capital to assets | 9.1670% | 3,983 |
| Core capital (leverage) ratio | 10.7566% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3622% | 860 |
| Memoranda: | ||
| Average total assets | $112,196,750 | 3,847 |
| Average earning assets | $102,202,500 | 3,862 |
| Average equity | $10,720,500 | 4,121 |
| Average total loans | $82,630,750 | 3,531 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,763 |
| Cost of funding earning assets | 0.5108% | 3,472 |
| Net interest margin | 3.6890% | 2,208 |
| Noninterest income to average assets | 0.3258% | 3,514 |
| Noninterest expense to average assets | 3.1238% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3837% | 4,267 |
| Return on assets (ROA) | 0.3837% | 4,327 |
| Pretax return on assets | 0.5484% | 4,163 |
| Return on Equity (ROE) | 3.9587% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.9587% | 2,931 |
| Net charge-offs to loans | 0.0096% | 2,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 75.7500% | 836 |
| Efficiency ratio | 85.0665% | 581 |
| Assets per employee ($millions) | 3.3784% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,211 |
| Loan loss allowance to noncurrent loans | 173.6054% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 1,899 |
| Noncurrent loans to loans | 0.8744% | 1,742 |
| Net loans and leases to total assets | 72.0698% | 1,693 |
| Net loans and leases to deposits | 81.5893% | 2,248 |
| Net loans and leases to core deposits | 88.1026% | 2,236 |
| Total domestic deposits to total assets | 88.3324% | 1,026 |
| Equity capital to assets | 9.4798% | 3,676 |
| Core capital (leverage) ratio | 10.7453% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4810% | 983 |
| Memoranda: | ||
| Average total assets | $110,506,000 | 3,860 |
| Average earning assets | $100,244,000 | 3,876 |
| Average equity | $10,710,667 | 4,136 |
| Average total loans | $83,284,333 | 3,530 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 2,647 |
| Cost of funding earning assets | 0.5266% | 3,814 |
| Net interest margin | 3.8658% | 1,775 |
| Noninterest income to average assets | 0.3176% | 3,616 |
| Noninterest expense to average assets | 3.3159% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3508% | 4,243 |
| Return on assets (ROA) | 0.3508% | 4,274 |
| Pretax return on assets | 0.4985% | 4,126 |
| Return on Equity (ROE) | 3.5776% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.5776% | 2,858 |
| Net charge-offs to loans | 0.0145% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 965 |
| Efficiency ratio | 86.9313% | 644 |
| Assets per employee ($millions) | 3.3817% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,226 |
| Loan loss allowance to noncurrent loans | 168.9153% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 1,916 |
| Noncurrent loans to loans | 0.9111% | 1,791 |
| Net loans and leases to total assets | 75.4942% | 1,389 |
| Net loans and leases to deposits | 85.9081% | 2,015 |
| Net loans and leases to core deposits | 92.9462% | 2,072 |
| Total domestic deposits to total assets | 87.8778% | 1,156 |
| Equity capital to assets | 9.8720% | 3,903 |
| Core capital (leverage) ratio | 11.0292% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8451% | 1,003 |
| Memoranda: | ||
| Average total assets | $108,326,500 | 3,867 |
| Average earning assets | $97,988,500 | 3,898 |
| Average equity | $10,621,500 | 4,161 |
| Average total loans | $82,897,000 | 3,536 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 2,334 |
| Cost of funding earning assets | 0.4508% | 4,267 |
| Net interest margin | 4.2468% | 1,216 |
| Noninterest income to average assets | 0.4539% | 2,986 |
| Noninterest expense to average assets | 3.3516% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6714% | 3,948 |
| Return on assets (ROA) | 0.6699% | 4,027 |
| Pretax return on assets | 0.9476% | 3,610 |
| Return on Equity (ROE) | 6.8530% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.8530% | 1,451 |
| Net charge-offs to loans | 0.0661% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 17.8929% | 2,083 |
| Efficiency ratio | 77.9247% | 1,161 |
| Assets per employee ($millions) | 3.3887% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,101 |
| Loan loss allowance to noncurrent loans | 158.6121% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 1,743 |
| Noncurrent loans to loans | 0.9744% | 1,569 |
| Net loans and leases to total assets | 75.1960% | 1,550 |
| Net loans and leases to deposits | 85.7018% | 2,135 |
| Net loans and leases to core deposits | 91.7263% | 2,255 |
| Total domestic deposits to total assets | 87.7414% | 1,252 |
| Equity capital to assets | 9.7383% | 4,162 |
| Core capital (leverage) ratio | 10.9290% | 2,562 |
| Tier 1 risk-based capital ratio | 17.6565% | 1,848 |
| Total risk-based capital ratio | 18.9141% | 1,802 |
| Memoranda: | ||
| Average total assets | $105,532,400 | 3,910 |
| Average earning assets | $95,600,800 | 3,941 |
| Average equity | $10,316,600 | 4,197 |
| Average total loans | $84,674,800 | 3,512 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 2,254 |
| Cost of funding earning assets | 0.4203% | 4,434 |
| Net interest margin | 4.3368% | 1,081 |
| Noninterest income to average assets | 0.4961% | 2,752 |
| Noninterest expense to average assets | 3.4081% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7119% | 3,974 |
| Return on assets (ROA) | 0.7099% | 4,052 |
| Pretax return on assets | 1.0101% | 3,564 |
| Return on Equity (ROE) | 7.2543% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.2543% | 1,734 |
| Net charge-offs to loans | 0.0344% | 2,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 36.1851% | 1,453 |
| Efficiency ratio | 77.0935% | 1,208 |
| Assets per employee ($millions) | 3.3635% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,146 |
| Loan loss allowance to noncurrent loans | 165.2830% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 1,864 |
| Noncurrent loans to loans | 0.9296% | 1,728 |
| Net loans and leases to total assets | 78.2386% | 1,101 |
| Net loans and leases to deposits | 91.0742% | 1,556 |
| Net loans and leases to core deposits | 95.7454% | 2,024 |
| Total domestic deposits to total assets | 85.9065% | 2,034 |
| Equity capital to assets | 9.6645% | 4,320 |
| Core capital (leverage) ratio | 11.0933% | 2,565 |
| Tier 1 risk-based capital ratio | 17.0678% | 2,060 |
| Total risk-based capital ratio | 18.3069% | 2,020 |
| Memoranda: | ||
| Average total assets | $104,806,000 | 3,962 |
| Average earning assets | $94,844,500 | 4,000 |
| Average equity | $10,255,750 | 4,250 |
| Average total loans | $85,138,250 | 3,539 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 1,922 |
| Cost of funding earning assets | 0.4023% | 4,496 |
| Net interest margin | 4.4403% | 872 |
| Noninterest income to average assets | 0.4256% | 3,098 |
| Noninterest expense to average assets | 3.4275% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7155% | 3,951 |
| Return on assets (ROA) | 0.7125% | 4,022 |
| Pretax return on assets | 1.0109% | 3,507 |
| Return on Equity (ROE) | 7.2499% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.2499% | 1,702 |
| Net charge-offs to loans | 0.0141% | 2,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 87.8333% | 764 |
| Efficiency ratio | 77.1565% | 1,253 |
| Assets per employee ($millions) | 3.2170% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,125 |
| Loan loss allowance to noncurrent loans | 179.0040% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 1,908 |
| Noncurrent loans to loans | 0.8701% | 1,860 |
| Net loans and leases to total assets | 81.6598% | 656 |
| Net loans and leases to deposits | 93.3784% | 1,327 |
| Net loans and leases to core deposits | 96.3793% | 2,028 |
| Total domestic deposits to total assets | 87.4503% | 1,363 |
| Equity capital to assets | 10.1794% | 3,809 |
| Core capital (leverage) ratio | 10.9823% | 2,616 |
| Tier 1 risk-based capital ratio | 17.0270% | 2,080 |
| Total risk-based capital ratio | 18.2878% | 2,022 |
| Memoranda: | ||
| Average total assets | $103,864,330 | 4,002 |
| Average earning assets | $93,957,000 | 4,036 |
| Average equity | $10,207,000 | 4,275 |
| Average total loans | $85,010,000 | 3,568 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 2,173 |
| Cost of funding earning assets | 0.3855% | 4,550 |
| Net interest margin | 4.3298% | 1,046 |
| Noninterest income to average assets | 0.4103% | 3,111 |
| Noninterest expense to average assets | 3.3281% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7346% | 3,825 |
| Return on assets (ROA) | 0.7285% | 3,897 |
| Pretax return on assets | 0.9931% | 3,459 |
| Return on Equity (ROE) | 7.5464% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.5464% | 1,819 |
| Net charge-offs to loans | 0.0047% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 307 |
| Efficiency ratio | 76.8822% | 1,394 |
| Assets per employee ($millions) | 3.2892% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,107 |
| Loan loss allowance to noncurrent loans | 172.0361% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 1,899 |
| Noncurrent loans to loans | 0.9170% | 1,825 |
| Net loans and leases to total assets | 79.1322% | 970 |
| Net loans and leases to deposits | 89.8634% | 1,651 |
| Net loans and leases to core deposits | 92.9461% | 2,215 |
| Total domestic deposits to total assets | 88.0583% | 1,306 |
| Equity capital to assets | 9.6919% | 4,099 |
| Core capital (leverage) ratio | 10.9250% | 2,641 |
| Tier 1 risk-based capital ratio | 16.8646% | 2,150 |
| Total risk-based capital ratio | 18.1245% | 2,094 |
| Memoranda: | ||
| Average total assets | $104,325,000 | 4,033 |
| Average earning assets | $94,416,500 | 4,068 |
| Average equity | $10,071,000 | 4,316 |
| Average total loans | $84,818,500 | 3,597 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 2,481 |
| Cost of funding earning assets | 0.3130% | 4,500 |
| Net interest margin | 4.1803% | 1,447 |
| Noninterest income to average assets | 0.4859% | 2,903 |
| Noninterest expense to average assets | 3.5840% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3348% | 4,969 |
| Return on assets (ROA) | 0.3348% | 4,963 |
| Pretax return on assets | 0.6745% | 4,478 |
| Return on Equity (ROE) | 3.4928% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.4928% | 3,666 |
| Net charge-offs to loans | 0.0207% | 3,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 40.1765% | 1,302 |
| Efficiency ratio | 84.1605% | 647 |
| Assets per employee ($millions) | 3.3354% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,089 |
| Loan loss allowance to noncurrent loans | 178.1333% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 1,908 |
| Noncurrent loans to loans | 0.8822% | 1,824 |
| Net loans and leases to total assets | 80.9279% | 814 |
| Net loans and leases to deposits | 93.9674% | 1,289 |
| Net loans and leases to core deposits | 97.3996% | 1,925 |
| Total domestic deposits to total assets | 86.1234% | 2,170 |
| Equity capital to assets | 9.6144% | 4,033 |
| Core capital (leverage) ratio | 10.8462% | 2,682 |
| Tier 1 risk-based capital ratio | 16.0919% | 2,376 |
| Total risk-based capital ratio | 17.3517% | 2,314 |
| Memoranda: | ||
| Average total assets | $101,255,400 | 4,083 |
| Average earning assets | $91,380,000 | 4,124 |
| Average equity | $9,705,600 | 4,347 |
| Average total loans | $82,255,200 | 3,617 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 2,396 |
| Cost of funding earning assets | 0.3068% | 4,472 |
| Net interest margin | 4.1642% | 1,455 |
| Noninterest income to average assets | 0.5136% | 2,783 |
| Noninterest expense to average assets | 3.6351% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2687% | 5,132 |
| Return on assets (ROA) | 0.2687% | 5,124 |
| Pretax return on assets | 0.6341% | 4,672 |
| Return on Equity (ROE) | 2.8057% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.8057% | 4,313 |
| Net charge-offs to loans | 0.0229% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 34.2073% | 1,494 |
| Efficiency ratio | 85.1473% | 567 |
| Assets per employee ($millions) | 3.3630% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 1,045 |
| Loan loss allowance to noncurrent loans | 176.8824% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 1,978 |
| Noncurrent loans to loans | 0.9124% | 1,878 |
| Net loans and leases to total assets | 80.9059% | 884 |
| Net loans and leases to deposits | 92.1016% | 1,610 |
| Net loans and leases to core deposits | 95.5137% | 2,162 |
| Total domestic deposits to total assets | 87.8442% | 1,314 |
| Equity capital to assets | 9.6352% | 3,967 |
| Core capital (leverage) ratio | 10.6693% | 2,914 |
| Tier 1 risk-based capital ratio | 16.2508% | 2,354 |
| Total risk-based capital ratio | 17.5141% | 2,293 |
| Memoranda: | ||
| Average total assets | $100,720,000 | 4,135 |
| Average earning assets | $90,835,250 | 4,170 |
| Average equity | $9,646,750 | 4,396 |
| Average total loans | $81,565,750 | 3,662 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,307 |
| Cost of funding earning assets | 0.3022% | 4,399 |
| Net interest margin | 4.1314% | 1,466 |
| Noninterest income to average assets | 0.4510% | 3,142 |
| Noninterest expense to average assets | 3.3915% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.3378% | 5,419 |
| Return on assets (ROA) | -0.3378% | 5,414 |
| Pretax return on assets | 0.7808% | 4,303 |
| Return on Equity (ROE) | -3.5336% | 5,420 |
| Retained earnings to average equity (ytd only) | -3.5336% | 5,237 |
| Net charge-offs to loans | 0.0321% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 30.2308% | 1,501 |
| Efficiency ratio | 81.2857% | 893 |
| Assets per employee ($millions) | 3.3748% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 996 |
| Loan loss allowance to noncurrent loans | 172.9032% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 1,952 |
| Noncurrent loans to loans | 0.9531% | 1,823 |
| Net loans and leases to total assets | 78.9874% | 1,166 |
| Net loans and leases to deposits | 89.7380% | 1,871 |
| Net loans and leases to core deposits | 93.0371% | 2,306 |
| Total domestic deposits to total assets | 88.0200% | 1,372 |
| Equity capital to assets | 9.2894% | 4,293 |
| Core capital (leverage) ratio | 10.3423% | 3,194 |
| Tier 1 risk-based capital ratio | 15.7822% | 2,521 |
| Total risk-based capital ratio | 17.0464% | 2,458 |
| Memoranda: | ||
| Average total assets | $100,663,330 | 4,164 |
| Average earning assets | $90,671,330 | 4,213 |
| Average equity | $9,622,000 | 4,434 |
| Average total loans | $81,099,330 | 3,695 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,703 |
| Cost of funding earning assets | 0.3045% | 4,320 |
| Net interest margin | 4.2497% | 1,050 |
| Noninterest income to average assets | 0.4344% | 3,207 |
| Noninterest expense to average assets | 3.3794% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6257% | 4,353 |
| Return on assets (ROA) | 0.6257% | 4,364 |
| Pretax return on assets | 0.8927% | 3,874 |
| Return on Equity (ROE) | 6.4539% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.4539% | 2,526 |
| Net charge-offs to loans | 0.0593% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,531 |
| Efficiency ratio | 79.1045% | 1,245 |
| Assets per employee ($millions) | 3.4546% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 1,028 |
| Loan loss allowance to noncurrent loans | 127.4715% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0501% | 1,489 |
| Noncurrent loans to loans | 1.3025% | 1,374 |
| Net loans and leases to total assets | 79.2819% | 1,035 |
| Net loans and leases to deposits | 90.5564% | 1,624 |
| Net loans and leases to core deposits | 94.1346% | 2,124 |
| Total domestic deposits to total assets | 87.5498% | 1,873 |
| Equity capital to assets | 9.7402% | 3,847 |
| Core capital (leverage) ratio | 10.3197% | 3,169 |
| Tier 1 risk-based capital ratio | 15.8457% | 2,541 |
| Total risk-based capital ratio | 17.1156% | 2,471 |
| Memoranda: | ||
| Average total assets | $100,373,000 | 4,213 |
| Average earning assets | $90,642,500 | 4,255 |
| Average equity | $9,730,500 | 4,463 |
| Average total loans | $80,994,000 | 3,730 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,392 |
| Cost of funding earning assets | 0.3174% | 3,982 |
| Net interest margin | 3.9642% | 1,865 |
| Noninterest income to average assets | 0.4052% | 3,607 |
| Noninterest expense to average assets | 3.1857% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6996% | 3,609 |
| Return on assets (ROA) | 0.6961% | 3,670 |
| Pretax return on assets | 0.7868% | 4,283 |
| Return on Equity (ROE) | 7.5307% | 3,022 |
| Retained earnings to average equity (ytd only) | 7.5307% | 914 |
| Net charge-offs to loans | 0.0123% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 80.2000% | 773 |
| Efficiency ratio | 80.1141% | 1,092 |
| Assets per employee ($millions) | 3.3521% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,000 |
| Loan loss allowance to noncurrent loans | 117.1429% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 1,298 |
| Noncurrent loans to loans | 1.4221% | 1,206 |
| Net loans and leases to total assets | 79.4199% | 1,050 |
| Net loans and leases to deposits | 90.5799% | 1,701 |
| Net loans and leases to core deposits | 94.1606% | 2,180 |
| Total domestic deposits to total assets | 87.6794% | 1,664 |
| Equity capital to assets | 9.6487% | 4,087 |
| Core capital (leverage) ratio | 10.1030% | 3,315 |
| Tier 1 risk-based capital ratio | 15.5192% | 2,618 |
| Total risk-based capital ratio | 16.7924% | 2,545 |
| Memoranda: | ||
| Average total assets | $101,423,200 | 4,210 |
| Average earning assets | $91,367,200 | 4,257 |
| Average equity | $9,375,000 | 4,545 |
| Average total loans | $81,032,800 | 3,729 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 2,368 |
| Cost of funding earning assets | 0.3191% | 3,945 |
| Net interest margin | 3.9488% | 1,866 |
| Noninterest income to average assets | 0.4237% | 3,528 |
| Noninterest expense to average assets | 3.1654% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7975% | 3,532 |
| Return on assets (ROA) | 0.7923% | 3,602 |
| Pretax return on assets | 0.8081% | 4,328 |
| Return on Equity (ROE) | 8.6658% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.6658% | 959 |
| Net charge-offs to loans | 0.0099% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 103.3313% | 673 |
| Efficiency ratio | 79.5582% | 1,158 |
| Assets per employee ($millions) | 3.3414% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,087 |
| Loan loss allowance to noncurrent loans | 126.8224% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 1,571 |
| Noncurrent loans to loans | 1.3185% | 1,450 |
| Net loans and leases to total assets | 79.6054% | 1,042 |
| Net loans and leases to deposits | 91.1415% | 1,671 |
| Net loans and leases to core deposits | 94.7922% | 2,193 |
| Total domestic deposits to total assets | 87.3426% | 1,703 |
| Equity capital to assets | 9.6367% | 4,309 |
| Core capital (leverage) ratio | 9.9750% | 3,597 |
| Tier 1 risk-based capital ratio | 15.2844% | 2,802 |
| Total risk-based capital ratio | 16.5571% | 2,729 |
| Memoranda: | ||
| Average total assets | $101,638,250 | 4,250 |
| Average earning assets | $91,502,000 | 4,297 |
| Average equity | $9,293,000 | 4,614 |
| Average total loans | $80,986,000 | 3,759 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,371 |
| Cost of funding earning assets | 0.3175% | 3,905 |
| Net interest margin | 3.9099% | 1,892 |
| Noninterest income to average assets | 0.4388% | 3,431 |
| Noninterest expense to average assets | 3.1517% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7855% | 3,458 |
| Return on assets (ROA) | 0.7874% | 3,509 |
| Pretax return on assets | 0.8109% | 4,232 |
| Return on Equity (ROE) | 8.7671% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.7671% | 910 |
| Net charge-offs to loans | 0.0099% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 103.2500% | 642 |
| Efficiency ratio | 79.5747% | 1,264 |
| Assets per employee ($millions) | 3.3915% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,145 |
| Loan loss allowance to noncurrent loans | 124.5646% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 1,627 |
| Noncurrent loans to loans | 1.3294% | 1,452 |
| Net loans and leases to total assets | 79.3236% | 1,048 |
| Net loans and leases to deposits | 90.4240% | 1,676 |
| Net loans and leases to core deposits | 93.9699% | 2,157 |
| Total domestic deposits to total assets | 87.7241% | 1,604 |
| Equity capital to assets | 9.3165% | 4,601 |
| Core capital (leverage) ratio | 9.8822% | 3,675 |
| Tier 1 risk-based capital ratio | 14.9867% | 2,930 |
| Total risk-based capital ratio | 16.2575% | 2,858 |
| Memoranda: | ||
| Average total assets | $102,103,670 | 4,268 |
| Average earning assets | $91,972,670 | 4,309 |
| Average equity | $9,170,670 | 4,656 |
| Average total loans | $80,929,670 | 3,773 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 2,351 |
| Cost of funding earning assets | 0.3220% | 3,832 |
| Net interest margin | 3.8551% | 1,937 |
| Noninterest income to average assets | 0.4145% | 3,564 |
| Noninterest expense to average assets | 3.2146% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4732% | 4,696 |
| Return on assets (ROA) | 0.4732% | 4,721 |
| Pretax return on assets | 0.6648% | 4,545 |
| Return on Equity (ROE) | 5.3679% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.3679% | 2,690 |
| Net charge-offs to loans | 0.0249% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,137 |
| Efficiency ratio | 82.8629% | 1,082 |
| Assets per employee ($millions) | 3.4278% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 1,174 |
| Loan loss allowance to noncurrent loans | 123.5669% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 1,659 |
| Noncurrent loans to loans | 1.3642% | 1,475 |
| Net loans and leases to total assets | 77.0176% | 1,264 |
| Net loans and leases to deposits | 87.2085% | 1,891 |
| Net loans and leases to core deposits | 90.9175% | 2,278 |
| Total domestic deposits to total assets | 88.3143% | 1,527 |
| Equity capital to assets | 8.8472% | 4,956 |
| Core capital (leverage) ratio | 9.5412% | 4,068 |
| Tier 1 risk-based capital ratio | 14.3480% | 3,283 |
| Total risk-based capital ratio | 15.6174% | 3,197 |
| Memoranda: | ||
| Average total assets | $102,283,500 | 4,309 |
| Average earning assets | $91,929,500 | 4,351 |
| Average equity | $9,016,500 | 4,716 |
| Average total loans | $80,361,500 | 3,803 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 2,829 |
| Cost of funding earning assets | 0.3602% | 3,412 |
| Net interest margin | 3.7445% | 2,522 |
| Noninterest income to average assets | 0.7081% | 2,140 |
| Noninterest expense to average assets | 3.2207% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5764% | 4,314 |
| Return on assets (ROA) | 0.5750% | 4,428 |
| Pretax return on assets | 0.8412% | 4,045 |
| Return on Equity (ROE) | 6.3331% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.3331% | 1,536 |
| Net charge-offs to loans | 0.0152% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 70.7500% | 782 |
| Efficiency ratio | 79.2522% | 1,519 |
| Assets per employee ($millions) | 3.3911% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 1,138 |
| Loan loss allowance to noncurrent loans | 129.6860% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0331% | 1,833 |
| Noncurrent loans to loans | 1.3111% | 1,564 |
| Net loans and leases to total assets | 77.4594% | 1,286 |
| Net loans and leases to deposits | 87.6034% | 1,975 |
| Net loans and leases to core deposits | 92.2782% | 2,273 |
| Total domestic deposits to total assets | 88.4206% | 1,425 |
| Equity capital to assets | 8.7829% | 5,038 |
| Core capital (leverage) ratio | 9.3809% | 4,244 |
| Tier 1 risk-based capital ratio | 13.9541% | 3,487 |
| Total risk-based capital ratio | 15.2246% | 3,392 |
| Memoranda: | ||
| Average total assets | $100,691,200 | 4,341 |
| Average earning assets | $90,239,800 | 4,378 |
| Average equity | $9,142,400 | 4,730 |
| Average total loans | $78,715,800 | 3,833 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 2,877 |
| Cost of funding earning assets | 0.3675% | 3,356 |
| Net interest margin | 3.7331% | 2,583 |
| Noninterest income to average assets | 0.8284% | 1,654 |
| Noninterest expense to average assets | 3.2207% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6434% | 4,109 |
| Return on assets (ROA) | 0.6452% | 4,225 |
| Pretax return on assets | 0.9545% | 3,796 |
| Return on Equity (ROE) | 7.0477% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.0477% | 1,605 |
| Net charge-offs to loans | 0.0204% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 59.7488% | 964 |
| Efficiency ratio | 77.1874% | 1,807 |
| Assets per employee ($millions) | 3.3873% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 1,184 |
| Loan loss allowance to noncurrent loans | 122.0233% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 1,759 |
| Noncurrent loans to loans | 1.4049% | 1,565 |
| Net loans and leases to total assets | 76.8963% | 1,382 |
| Net loans and leases to deposits | 87.3232% | 2,103 |
| Net loans and leases to core deposits | 91.4551% | 2,440 |
| Total domestic deposits to total assets | 88.0594% | 1,371 |
| Equity capital to assets | 8.9057% | 5,238 |
| Core capital (leverage) ratio | 9.3496% | 4,392 |
| Tier 1 risk-based capital ratio | 14.1024% | 3,503 |
| Total risk-based capital ratio | 15.3751% | 3,414 |
| Memoranda: | ||
| Average total assets | $100,431,000 | 4,380 |
| Average earning assets | $89,966,500 | 4,422 |
| Average equity | $9,194,250 | 4,767 |
| Average total loans | $78,353,750 | 3,868 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 2,867 |
| Cost of funding earning assets | 0.3711% | 3,348 |
| Net interest margin | 3.7271% | 2,589 |
| Noninterest income to average assets | 1.0396% | 1,036 |
| Noninterest expense to average assets | 3.1989% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9624% | 2,563 |
| Return on assets (ROA) | 0.9657% | 2,689 |
| Pretax return on assets | 1.1776% | 2,871 |
| Return on Equity (ROE) | 10.4519% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.4519% | 514 |
| Net charge-offs to loans | 0.0282% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 53.3636% | 956 |
| Efficiency ratio | 73.1596% | 2,488 |
| Assets per employee ($millions) | 3.3423% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 1,183 |
| Loan loss allowance to noncurrent loans | 125.9464% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 1,763 |
| Noncurrent loans to loans | 1.3859% | 1,614 |
| Net loans and leases to total assets | 76.5730% | 1,402 |
| Net loans and leases to deposits | 86.8325% | 2,153 |
| Net loans and leases to core deposits | 90.9952% | 2,435 |
| Total domestic deposits to total assets | 88.1848% | 1,330 |
| Equity capital to assets | 9.4675% | 4,802 |
| Core capital (leverage) ratio | 9.7622% | 3,851 |
| Tier 1 risk-based capital ratio | 14.8312% | 3,151 |
| Total risk-based capital ratio | 16.0965% | 3,084 |
| Memoranda: | ||
| Average total assets | $100,034,670 | 4,425 |
| Average earning assets | $89,452,670 | 4,474 |
| Average equity | $9,242,330 | 4,791 |
| Average total loans | $77,970,000 | 3,904 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 3,031 |
| Cost of funding earning assets | 0.3728% | 3,369 |
| Net interest margin | 3.6784% | 2,760 |
| Noninterest income to average assets | 1.5813% | 467 |
| Noninterest expense to average assets | 3.2267% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3266% | 1,194 |
| Return on assets (ROA) | 1.3331% | 1,256 |
| Pretax return on assets | 1.6414% | 1,202 |
| Return on Equity (ROE) | 14.6101% | 727 |
| Retained earnings to average equity (ytd only) | 14.6101% | 274 |
| Net charge-offs to loans | 0.0462% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 938 |
| Efficiency ratio | 66.3921% | 3,734 |
| Assets per employee ($millions) | 3.2168% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 1,232 |
| Loan loss allowance to noncurrent loans | 117.6572% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 1,652 |
| Noncurrent loans to loans | 1.4921% | 1,580 |
| Net loans and leases to total assets | 76.6596% | 1,299 |
| Net loans and leases to deposits | 86.7609% | 1,975 |
| Net loans and leases to core deposits | 90.6799% | 2,309 |
| Total domestic deposits to total assets | 88.3574% | 1,431 |
| Equity capital to assets | 9.3311% | 4,859 |
| Core capital (leverage) ratio | 9.5943% | 4,044 |
| Tier 1 risk-based capital ratio | 14.6090% | 3,337 |
| Total risk-based capital ratio | 15.8753% | 3,267 |
| Memoranda: | ||
| Average total assets | $99,917,500 | 4,465 |
| Average earning assets | $89,061,000 | 4,524 |
| Average equity | $9,117,000 | 4,837 |
| Average total loans | $77,883,500 | 3,920 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 2,581 |
| Cost of funding earning assets | 0.3936% | 3,223 |
| Net interest margin | 3.8005% | 2,374 |
| Noninterest income to average assets | 0.4730% | 3,510 |
| Noninterest expense to average assets | 3.2359% | 1,871 |
| Loan and lease loss provision to assets | 0.0884% | 2,530 |
| Net operating income to assets | 1.4683% | 918 |
| Return on assets (ROA) | 1.4673% | 949 |
| Pretax return on assets | 0.5131% | 5,081 |
| Return on Equity (ROE) | 16.8828% | 464 |
| Retained earnings to average equity (ytd only) | 16.8828% | 94 |
| Net charge-offs to loans | 0.0632% | 2,963 |
| Credit loss provision to net charge-offs | 179.1667% | 1,515 |
| Earnings coverage of net charge-offs (x) | 12.2083% | 2,487 |
| Efficiency ratio | 84.3022% | 1,151 |
| Assets per employee ($millions) | 3.3372% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 1,207 |
| Loan loss allowance to noncurrent loans | 129.7170% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 1,771 |
| Noncurrent loans to loans | 1.3597% | 1,724 |
| Net loans and leases to total assets | 76.4930% | 1,333 |
| Net loans and leases to deposits | 86.1061% | 2,124 |
| Net loans and leases to core deposits | 90.2982% | 2,381 |
| Total domestic deposits to total assets | 88.8358% | 1,204 |
| Equity capital to assets | 8.9187% | 5,202 |
| Core capital (leverage) ratio | 9.1015% | 4,754 |
| Tier 1 risk-based capital ratio | 13.7271% | 3,873 |
| Total risk-based capital ratio | 14.9962% | 3,788 |
| Memoranda: | ||
| Average total assets | $97,253,400 | 4,512 |
| Average earning assets | $86,120,000 | 4,585 |
| Average equity | $8,452,400 | 4,970 |
| Average total loans | $75,991,400 | 3,940 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1683% | 2,685 |
| Cost of funding earning assets | 0.3956% | 3,265 |
| Net interest margin | 3.7726% | 2,484 |
| Noninterest income to average assets | 0.5290% | 3,174 |
| Noninterest expense to average assets | 3.2429% | 1,843 |
| Loan and lease loss provision to assets | 0.1188% | 1,917 |
| Net operating income to assets | 1.9128% | 416 |
| Return on assets (ROA) | 1.9115% | 437 |
| Pretax return on assets | 0.5110% | 5,197 |
| Return on Equity (ROE) | 22.1437% | 189 |
| Retained earnings to average equity (ytd only) | 22.1437% | 57 |
| Net charge-offs to loans | 0.0300% | 3,335 |
| Credit loss provision to net charge-offs | 505.8824% | 640 |
| Earnings coverage of net charge-offs (x) | 26.8778% | 1,599 |
| Efficiency ratio | 83.7077% | 1,201 |
| Assets per employee ($millions) | 3.3158% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 1,225 |
| Loan loss allowance to noncurrent loans | 114.9632% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 1,708 |
| Noncurrent loans to loans | 1.5846% | 1,572 |
| Net loans and leases to total assets | 76.1759% | 1,362 |
| Net loans and leases to deposits | 86.0211% | 2,137 |
| Net loans and leases to core deposits | 90.5285% | 2,410 |
| Total domestic deposits to total assets | 88.5549% | 1,271 |
| Equity capital to assets | 8.9369% | 5,365 |
| Core capital (leverage) ratio | 9.1675% | 4,777 |
| Tier 1 risk-based capital ratio | 13.5520% | 4,112 |
| Total risk-based capital ratio | 14.8198% | 4,025 |
| Memoranda: | ||
| Average total assets | $96,538,000 | 4,577 |
| Average earning assets | $85,597,000 | 4,647 |
| Average equity | $8,333,250 | 5,058 |
| Average total loans | $75,500,250 | 3,992 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 2,742 |
| Cost of funding earning assets | 0.3977% | 3,299 |
| Net interest margin | 3.7460% | 2,526 |
| Noninterest income to average assets | 0.5400% | 3,108 |
| Noninterest expense to average assets | 3.3362% | 1,614 |
| Loan and lease loss provision to assets | 0.1800% | 1,134 |
| Net operating income to assets | 2.7690% | 114 |
| Return on assets (ROA) | 2.7648% | 119 |
| Pretax return on assets | 0.3516% | 5,570 |
| Return on Equity (ROE) | 32.4264% | 47 |
| Retained earnings to average equity (ytd only) | 32.4264% | 25 |
| Net charge-offs to loans | 0.0587% | 2,553 |
| Credit loss provision to net charge-offs | 390.9091% | 760 |
| Earnings coverage of net charge-offs (x) | 11.6364% | 2,274 |
| Efficiency ratio | 86.1622% | 1,049 |
| Assets per employee ($millions) | 3.2566% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 1,329 |
| Loan loss allowance to noncurrent loans | 108.2689% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4166% | 1,769 |
| Noncurrent loans to loans | 1.6840% | 1,541 |
| Net loans and leases to total assets | 77.2175% | 1,174 |
| Net loans and leases to deposits | 87.1605% | 1,921 |
| Net loans and leases to core deposits | 92.4816% | 2,108 |
| Total domestic deposits to total assets | 88.5924% | 1,364 |
| Equity capital to assets | 9.1885% | 5,034 |
| Core capital (leverage) ratio | 9.2843% | 4,573 |
| Tier 1 risk-based capital ratio | 13.6705% | 4,114 |
| Total risk-based capital ratio | 14.9382% | 4,040 |
| Memoranda: | ||
| Average total assets | $95,559,000 | 4,641 |
| Average earning assets | $84,997,000 | 4,710 |
| Average equity | $8,147,670 | 5,136 |
| Average total loans | $74,939,670 | 4,032 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 2,585 |
| Cost of funding earning assets | 0.3966% | 3,344 |
| Net interest margin | 3.7678% | 2,364 |
| Noninterest income to average assets | 0.4953% | 3,314 |
| Noninterest expense to average assets | 3.3528% | 1,594 |
| Loan and lease loss provision to assets | 0.3641% | 341 |
| Net operating income to assets | 0.0774% | 5,919 |
| Return on assets (ROA) | 0.0720% | 5,975 |
| Pretax return on assets | 0.1482% | 5,900 |
| Return on Equity (ROE) | 0.8793% | 5,935 |
| Retained earnings to average equity (ytd only) | 0.8793% | 5,112 |
| Net charge-offs to loans | 0.2973% | 801 |
| Credit loss provision to net charge-offs | 156.3636% | 1,219 |
| Earnings coverage of net charge-offs (x) | 2.2364% | 2,801 |
| Efficiency ratio | 86.5574% | 1,129 |
| Assets per employee ($millions) | 3.2025% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 1,435 |
| Loan loss allowance to noncurrent loans | 84.0811% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.8767% | 1,296 |
| Noncurrent loans to loans | 2.1748% | 1,172 |
| Net loans and leases to total assets | 76.4444% | 1,145 |
| Net loans and leases to deposits | 85.2197% | 1,928 |
| Net loans and leases to core deposits | 90.9140% | 2,043 |
| Total domestic deposits to total assets | 89.7028% | 900 |
| Equity capital to assets | 8.0926% | 5,991 |
| Core capital (leverage) ratio | 8.6333% | 5,391 |
| Tier 1 risk-based capital ratio | 12.9788% | 4,615 |
| Total risk-based capital ratio | 14.2398% | 4,527 |
| Memoranda: | ||
| Average total assets | $94,489,500 | 4,705 |
| Average earning assets | $84,718,000 | 4,755 |
| Average equity | $7,733,000 | 5,256 |
| Average total loans | $73,989,000 | 4,080 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,346 |
| Cost of funding earning assets | 0.4055% | 3,635 |
| Net interest margin | 3.6901% | 3,042 |
| Noninterest income to average assets | 0.5382% | 3,250 |
| Noninterest expense to average assets | 3.2964% | 1,939 |
| Loan and lease loss provision to assets | 0.3394% | 569 |
| Net operating income to assets | 0.1466% | 5,885 |
| Return on assets (ROA) | 0.1610% | 5,900 |
| Pretax return on assets | 0.2389% | 5,806 |
| Return on Equity (ROE) | 2.0093% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.0093% | 4,781 |
| Net charge-offs to loans | 0.3273% | 1,349 |
| Credit loss provision to net charge-offs | 138.3260% | 1,711 |
| Earnings coverage of net charge-offs (x) | 2.2687% | 4,207 |
| Efficiency ratio | 85.5540% | 1,222 |
| Assets per employee ($millions) | 3.2036% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 1,476 |
| Loan loss allowance to noncurrent loans | 65.7649% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.2152% | 1,098 |
| Noncurrent loans to loans | 2.7786% | 856 |
| Net loans and leases to total assets | 77.3153% | 1,096 |
| Net loans and leases to deposits | 86.3786% | 1,926 |
| Net loans and leases to core deposits | 92.0118% | 2,084 |
| Total domestic deposits to total assets | 89.5074% | 973 |
| Equity capital to assets | 8.2784% | 5,904 |
| Core capital (leverage) ratio | 8.7113% | 5,338 |
| Tier 1 risk-based capital ratio | 12.9953% | 4,733 |
| Total risk-based capital ratio | 14.2300% | 4,650 |
| Memoranda: | ||
| Average total assets | $92,524,800 | 4,782 |
| Average earning assets | $83,114,600 | 4,820 |
| Average equity | $7,415,400 | 5,321 |
| Average total loans | $69,361,600 | 4,204 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,475 |
| Cost of funding earning assets | 0.4022% | 3,769 |
| Net interest margin | 3.6714% | 3,144 |
| Noninterest income to average assets | 0.5179% | 3,423 |
| Noninterest expense to average assets | 3.2543% | 2,017 |
| Loan and lease loss provision to assets | 0.1933% | 1,246 |
| Net operating income to assets | 0.2867% | 5,632 |
| Return on assets (ROA) | 0.3015% | 5,651 |
| Pretax return on assets | 0.3808% | 5,619 |
| Return on Equity (ROE) | 3.7931% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.7931% | 3,955 |
| Net charge-offs to loans | 0.2514% | 1,538 |
| Credit loss provision to net charge-offs | 103.8760% | 2,131 |
| Earnings coverage of net charge-offs (x) | 2.9844% | 3,776 |
| Efficiency ratio | 85.4222% | 1,239 |
| Assets per employee ($millions) | 3.3302% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 1,848 |
| Loan loss allowance to noncurrent loans | 71.2663% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.9014% | 1,542 |
| Noncurrent loans to loans | 2.4447% | 1,211 |
| Net loans and leases to total assets | 75.9043% | 1,236 |
| Net loans and leases to deposits | 84.8462% | 2,052 |
| Net loans and leases to core deposits | 90.5737% | 2,169 |
| Total domestic deposits to total assets | 89.4611% | 1,003 |
| Equity capital to assets | 8.1806% | 6,028 |
| Core capital (leverage) ratio | 8.6152% | 5,538 |
| Tier 1 risk-based capital ratio | 12.9737% | 4,880 |
| Total risk-based capital ratio | 14.2041% | 4,809 |
| Memoranda: | ||
| Average total assets | $92,430,000 | 4,830 |
| Average earning assets | $82,872,000 | 4,877 |
| Average equity | $7,346,500 | 5,373 |
| Average total loans | $68,410,500 | 4,256 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 3,613 |
| Cost of funding earning assets | 0.3974% | 3,891 |
| Net interest margin | 3.6327% | 3,221 |
| Noninterest income to average assets | 0.4123% | 4,152 |
| Noninterest expense to average assets | 3.3920% | 1,695 |
| Loan and lease loss provision to assets | 0.2908% | 679 |
| Net operating income to assets | -0.0477% | 6,220 |
| Return on assets (ROA) | -0.0369% | 6,228 |
| Pretax return on assets | -0.0065% | 6,200 |
| Return on Equity (ROE) | -0.4688% | 6,238 |
| Retained earnings to average equity (ytd only) | -0.4688% | 5,766 |
| Net charge-offs to loans | 0.3661% | 1,116 |
| Credit loss provision to net charge-offs | 108.9431% | 1,839 |
| Earnings coverage of net charge-offs (x) | 1.0244% | 3,901 |
| Efficiency ratio | 92.5400% | 727 |
| Assets per employee ($millions) | 3.2681% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 1,842 |
| Loan loss allowance to noncurrent loans | 69.2097% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9435% | 1,658 |
| Noncurrent loans to loans | 2.6005% | 1,182 |
| Net loans and leases to total assets | 72.5954% | 1,633 |
| Net loans and leases to deposits | 80.7822% | 2,410 |
| Net loans and leases to core deposits | 85.5599% | 2,560 |
| Total domestic deposits to total assets | 89.8656% | 872 |
| Equity capital to assets | 7.7731% | 6,267 |
| Core capital (leverage) ratio | 8.3762% | 5,767 |
| Tier 1 risk-based capital ratio | 12.7291% | 5,071 |
| Total risk-based capital ratio | 13.9668% | 5,023 |
| Memoranda: | ||
| Average total assets | $92,158,330 | 4,871 |
| Average earning assets | $82,527,330 | 4,923 |
| Average equity | $7,252,670 | 5,427 |
| Average total loans | $67,203,330 | 4,322 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 3,724 |
| Cost of funding earning assets | 0.3962% | 4,019 |
| Net interest margin | 3.5954% | 3,262 |
| Noninterest income to average assets | 0.4227% | 4,008 |
| Noninterest expense to average assets | 3.3418% | 1,852 |
| Loan and lease loss provision to assets | 0.5900% | 228 |
| Net operating income to assets | -0.3346% | 6,412 |
| Return on assets (ROA) | -0.3346% | 6,412 |
| Pretax return on assets | -0.2730% | 6,377 |
| Return on Equity (ROE) | -4.2249% | 6,449 |
| Retained earnings to average equity (ytd only) | -4.2249% | 6,078 |
| Net charge-offs to loans | 0.7663% | 454 |
| Credit loss provision to net charge-offs | 106.3492% | 1,579 |
| Earnings coverage of net charge-offs (x) | 0.5714% | 3,317 |
| Efficiency ratio | 91.3357% | 920 |
| Assets per employee ($millions) | 3.1781% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 1,790 |
| Loan loss allowance to noncurrent loans | 69.0071% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.0680% | 1,630 |
| Noncurrent loans to loans | 2.7367% | 1,230 |
| Net loans and leases to total assets | 70.9109% | 1,738 |
| Net loans and leases to deposits | 79.0018% | 2,426 |
| Net loans and leases to core deposits | 82.5763% | 2,681 |
| Total domestic deposits to total assets | 89.7586% | 1,202 |
| Equity capital to assets | 7.8197% | 6,165 |
| Core capital (leverage) ratio | 8.5025% | 5,641 |
| Tier 1 risk-based capital ratio | 13.0972% | 4,954 |
| Total risk-based capital ratio | 14.3374% | 4,891 |
| Memoranda: | ||
| Average total assets | $90,849,500 | 4,947 |
| Average earning assets | $81,772,000 | 4,984 |
| Average equity | $7,195,500 | 5,470 |
| Average total loans | $65,773,000 | 4,397 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 4,171 |
| Cost of funding earning assets | 0.4607% | 4,018 |
| Net interest margin | 3.5151% | 3,830 |
| Noninterest income to average assets | 0.3913% | 4,510 |
| Noninterest expense to average assets | 2.9571% | 3,170 |
| Loan and lease loss provision to assets | 0.2918% | 1,165 |
| Net operating income to assets | 0.4123% | 5,105 |
| Return on assets (ROA) | 0.4975% | 4,881 |
| Pretax return on assets | 0.4156% | 5,456 |
| Return on Equity (ROE) | 6.2208% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.2208% | 1,832 |
| Net charge-offs to loans | 0.0226% | 4,978 |
| Credit loss provision to net charge-offs | 1,885.7143% | 129 |
| Earnings coverage of net charge-offs (x) | 40.2143% | 942 |
| Efficiency ratio | 82.6127% | 1,795 |
| Assets per employee ($millions) | 3.0874% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 1,724 |
| Loan loss allowance to noncurrent loans | 64.1355% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.2606% | 1,573 |
| Noncurrent loans to loans | 3.0016% | 1,148 |
| Net loans and leases to total assets | 71.1272% | 1,818 |
| Net loans and leases to deposits | 79.3647% | 2,543 |
| Net loans and leases to core deposits | 83.0655% | 2,767 |
| Total domestic deposits to total assets | 89.6207% | 1,259 |
| Equity capital to assets | 8.0238% | 6,000 |
| Core capital (leverage) ratio | 8.5580% | 5,600 |
| Tier 1 risk-based capital ratio | 13.4057% | 4,716 |
| Total risk-based capital ratio | 14.6475% | 4,669 |
| Memoranda: | ||
| Average total assets | $90,461,200 | 4,971 |
| Average earning assets | $82,045,400 | 4,982 |
| Average equity | $7,233,800 | 5,508 |
| Average total loans | $61,950,800 | 4,550 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 4,339 |
| Cost of funding earning assets | 0.4723% | 4,044 |
| Net interest margin | 3.4709% | 4,012 |
| Noninterest income to average assets | 0.4381% | 4,238 |
| Noninterest expense to average assets | 2.8564% | 3,456 |
| Loan and lease loss provision to assets | 0.1882% | 1,948 |
| Net operating income to assets | 0.6718% | 4,006 |
| Return on assets (ROA) | 0.7806% | 3,579 |
| Pretax return on assets | 0.6571% | 4,833 |
| Return on Equity (ROE) | 9.7703% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.7703% | 838 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5008% | 2,181 |
| Assets per employee ($millions) | 3.2396% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 2,380 |
| Loan loss allowance to noncurrent loans | 59.1505% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 2.1597% | 1,848 |
| Noncurrent loans to loans | 3.0028% | 1,342 |
| Net loans and leases to total assets | 68.7694% | 2,185 |
| Net loans and leases to deposits | 76.9553% | 2,824 |
| Net loans and leases to core deposits | 80.5319% | 3,068 |
| Total domestic deposits to total assets | 89.3627% | 1,378 |
| Equity capital to assets | 8.0896% | 6,083 |
| Core capital (leverage) ratio | 8.9221% | 5,233 |
| Tier 1 risk-based capital ratio | 14.3874% | 4,157 |
| Total risk-based capital ratio | 15.5999% | 4,131 |
| Memoranda: | ||
| Average total assets | $90,693,000 | 5,017 |
| Average earning assets | $82,436,750 | 5,016 |
| Average equity | $7,246,250 | 5,572 |
| Average total loans | $61,205,250 | 4,614 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 4,184 |
| Cost of funding earning assets | 0.4888% | 3,998 |
| Net interest margin | 3.4920% | 3,813 |
| Noninterest income to average assets | 0.3992% | 4,535 |
| Noninterest expense to average assets | 2.9442% | 3,191 |
| Loan and lease loss provision to assets | 0.2823% | 1,290 |
| Net operating income to assets | 0.2757% | 5,686 |
| Return on assets (ROA) | 0.4014% | 5,377 |
| Pretax return on assets | 0.5183% | 5,313 |
| Return on Equity (ROE) | 5.0446% | 4,710 |
| Retained earnings to average equity (ytd only) | 5.0446% | 3,029 |
| Net charge-offs to loans | 0.0033% | 4,855 |
| Credit loss provision to net charge-offs | 12,800.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 174 |
| Efficiency ratio | 82.2044% | 1,856 |
| Assets per employee ($millions) | 3.2789% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 2,317 |
| Loan loss allowance to noncurrent loans | 69.2260% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 2,336 |
| Noncurrent loans to loans | 2.6502% | 1,728 |
| Net loans and leases to total assets | 65.6820% | 2,644 |
| Net loans and leases to deposits | 73.4128% | 3,238 |
| Net loans and leases to core deposits | 76.5273% | 3,479 |
| Total domestic deposits to total assets | 89.4694% | 1,342 |
| Equity capital to assets | 7.6997% | 6,365 |
| Core capital (leverage) ratio | 8.5365% | 5,626 |
| Tier 1 risk-based capital ratio | 13.9201% | 4,475 |
| Total risk-based capital ratio | 15.1740% | 4,441 |
| Memoranda: | ||
| Average total assets | $90,687,670 | 5,046 |
| Average earning assets | $82,645,330 | 5,032 |
| Average equity | $7,215,670 | 5,629 |
| Average total loans | $60,437,670 | 4,659 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 4,397 |
| Cost of funding earning assets | 0.5153% | 3,925 |
| Net interest margin | 3.4076% | 4,092 |
| Noninterest income to average assets | 0.2707% | 5,518 |
| Noninterest expense to average assets | 3.2709% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0911% | 6,166 |
| Return on assets (ROA) | 0.3240% | 5,602 |
| Pretax return on assets | 0.3950% | 5,572 |
| Return on Equity (ROE) | 4.0060% | 5,090 |
| Retained earnings to average equity (ytd only) | 4.0060% | 3,831 |
| Net charge-offs to loans | 0.0067% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,060 |
| Efficiency ratio | 96.7192% | 693 |
| Assets per employee ($millions) | 3.3853% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 3,238 |
| Loan loss allowance to noncurrent loans | 78.3529% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.6903% | 2,754 |
| Noncurrent loans to loans | 2.0920% | 2,515 |
| Net loans and leases to total assets | 65.5861% | 2,446 |
| Net loans and leases to deposits | 73.4645% | 2,992 |
| Net loans and leases to core deposits | 76.9123% | 3,216 |
| Total domestic deposits to total assets | 89.2759% | 1,504 |
| Equity capital to assets | 7.9561% | 6,402 |
| Core capital (leverage) ratio | 8.5836% | 5,467 |
| Tier 1 risk-based capital ratio | 13.9572% | 4,537 |
| Total risk-based capital ratio | 15.2158% | 4,491 |
| Memoranda: | ||
| Average total assets | $90,127,000 | 5,093 |
| Average earning assets | $82,287,500 | 5,081 |
| Average equity | $7,289,000 | 5,666 |
| Average total loans | $59,942,000 | 4,707 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 4,407 |
| Cost of funding earning assets | 0.8041% | 2,631 |
| Net interest margin | 3.4431% | 4,726 |
| Noninterest income to average assets | 0.4854% | 3,996 |
| Noninterest expense to average assets | 3.3821% | 2,097 |
| Loan and lease loss provision to assets | 0.1038% | 4,345 |
| Net operating income to assets | 0.0664% | 6,064 |
| Return on assets (ROA) | 0.1685% | 6,019 |
| Pretax return on assets | 0.2935% | 5,831 |
| Return on Equity (ROE) | 2.0837% | 5,873 |
| Retained earnings to average equity (ytd only) | 2.0837% | 4,759 |
| Net charge-offs to loans | 0.1257% | 4,426 |
| Credit loss provision to net charge-offs | 122.3684% | 2,332 |
| Earnings coverage of net charge-offs (x) | 2.8026% | 4,029 |
| Efficiency ratio | 93.4340% | 833 |
| Assets per employee ($millions) | 3.2908% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 2,944 |
| Loan loss allowance to noncurrent loans | 74.1290% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.9133% | 2,555 |
| Noncurrent loans to loans | 2.2888% | 2,363 |
| Net loans and leases to total assets | 65.2073% | 2,674 |
| Net loans and leases to deposits | 73.2752% | 3,215 |
| Net loans and leases to core deposits | 76.1731% | 3,510 |
| Total domestic deposits to total assets | 88.9896% | 1,569 |
| Equity capital to assets | 8.2227% | 6,264 |
| Core capital (leverage) ratio | 8.5971% | 5,466 |
| Tier 1 risk-based capital ratio | 14.2210% | 4,227 |
| Total risk-based capital ratio | 15.4824% | 4,172 |
| Memoranda: | ||
| Average total assets | $89,618,400 | 5,098 |
| Average earning assets | $81,582,600 | 5,087 |
| Average equity | $7,246,600 | 5,696 |
| Average total loans | $60,458,800 | 4,689 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 4,581 |
| Cost of funding earning assets | 0.8692% | 2,394 |
| Net interest margin | 3.4001% | 5,035 |
| Noninterest income to average assets | 0.4662% | 4,171 |
| Noninterest expense to average assets | 3.3967% | 2,011 |
| Loan and lease loss provision to assets | 0.1381% | 3,820 |
| Net operating income to assets | -0.0556% | 6,348 |
| Return on assets (ROA) | 0.0356% | 6,363 |
| Pretax return on assets | 0.1692% | 6,171 |
| Return on Equity (ROE) | 0.4425% | 6,351 |
| Retained earnings to average equity (ytd only) | 0.4425% | 5,960 |
| Net charge-offs to loans | 0.1666% | 3,787 |
| Credit loss provision to net charge-offs | 122.3684% | 2,362 |
| Earnings coverage of net charge-offs (x) | 1.4606% | 4,557 |
| Efficiency ratio | 95.3731% | 700 |
| Assets per employee ($millions) | 3.2885% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 3,264 |
| Loan loss allowance to noncurrent loans | 49.4560% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.6602% | 1,980 |
| Noncurrent loans to loans | 3.3743% | 1,625 |
| Net loans and leases to total assets | 66.3633% | 2,580 |
| Net loans and leases to deposits | 74.6705% | 3,191 |
| Net loans and leases to core deposits | 77.6429% | 3,511 |
| Total domestic deposits to total assets | 88.8749% | 1,500 |
| Equity capital to assets | 8.1698% | 6,505 |
| Core capital (leverage) ratio | 8.4018% | 5,894 |
| Tier 1 risk-based capital ratio | 13.9064% | 4,603 |
| Total risk-based capital ratio | 15.1626% | 4,557 |
| Memoranda: | ||
| Average total assets | $89,810,000 | 5,148 |
| Average earning assets | $81,759,500 | 5,121 |
| Average equity | $7,231,750 | 5,762 |
| Average total loans | $60,839,000 | 4,733 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 4,063 |
| Cost of funding earning assets | 0.9411% | 2,111 |
| Net interest margin | 3.4888% | 4,723 |
| Noninterest income to average assets | 0.4637% | 4,175 |
| Noninterest expense to average assets | 3.4742% | 1,846 |
| Loan and lease loss provision to assets | 0.1997% | 3,085 |
| Net operating income to assets | -0.0973% | 6,431 |
| Return on assets (ROA) | -0.0177% | 6,473 |
| Pretax return on assets | 0.0887% | 6,342 |
| Return on Equity (ROE) | -0.2215% | 6,475 |
| Retained earnings to average equity (ytd only) | -0.2215% | 6,077 |
| Net charge-offs to loans | 0.2519% | 3,069 |
| Credit loss provision to net charge-offs | 116.8831% | 2,356 |
| Earnings coverage of net charge-offs (x) | 0.9610% | 4,554 |
| Efficiency ratio | 95.4878% | 727 |
| Assets per employee ($millions) | 3.1076% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 3,483 |
| Loan loss allowance to noncurrent loans | 48.6804% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.8695% | 1,923 |
| Noncurrent loans to loans | 3.3573% | 1,731 |
| Net loans and leases to total assets | 66.5161% | 2,566 |
| Net loans and leases to deposits | 74.7183% | 3,166 |
| Net loans and leases to core deposits | 77.6349% | 3,570 |
| Total domestic deposits to total assets | 89.0225% | 1,494 |
| Equity capital to assets | 7.9915% | 6,571 |
| Core capital (leverage) ratio | 8.2593% | 5,979 |
| Tier 1 risk-based capital ratio | 13.4869% | 4,834 |
| Total risk-based capital ratio | 14.7427% | 4,787 |
| Memoranda: | ||
| Average total assets | $90,150,000 | 5,162 |
| Average earning assets | $82,034,670 | 5,151 |
| Average equity | $7,224,330 | 5,779 |
| Average total loans | $61,144,000 | 4,736 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 3,842 |
| Cost of funding earning assets | 1.0117% | 1,907 |
| Net interest margin | 3.5071% | 4,661 |
| Noninterest income to average assets | 0.8118% | 2,110 |
| Noninterest expense to average assets | 3.5801% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3239% | 5,575 |
| Return on assets (ROA) | 0.3239% | 5,743 |
| Pretax return on assets | 0.4303% | 5,642 |
| Return on Equity (ROE) | 4.0357% | 5,280 |
| Retained earnings to average equity (ytd only) | 4.0357% | 4,167 |
| Net charge-offs to loans | 0.2286% | 2,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.7714% | 3,072 |
| Efficiency ratio | 89.2699% | 1,153 |
| Assets per employee ($millions) | 3.0151% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,937 |
| Loan loss allowance to noncurrent loans | 42.7798% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 3.0049% | 1,926 |
| Noncurrent loans to loans | 3.6266% | 1,713 |
| Net loans and leases to total assets | 66.5053% | 2,375 |
| Net loans and leases to deposits | 74.6056% | 3,027 |
| Net loans and leases to core deposits | 77.4917% | 3,392 |
| Total domestic deposits to total assets | 89.1424% | 1,609 |
| Equity capital to assets | 8.0130% | 6,516 |
| Core capital (leverage) ratio | 8.3889% | 5,758 |
| Tier 1 risk-based capital ratio | 13.5290% | 4,809 |
| Total risk-based capital ratio | 14.7861% | 4,790 |
| Memoranda: | ||
| Average total assets | $90,164,500 | 5,201 |
| Average earning assets | $82,234,000 | 5,188 |
| Average equity | $7,235,500 | 5,801 |
| Average total loans | $61,245,500 | 4,763 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 4,226 |
| Cost of funding earning assets | 1.3918% | 1,076 |
| Net interest margin | 3.3128% | 5,769 |
| Noninterest income to average assets | 0.5367% | 3,609 |
| Noninterest expense to average assets | 3.3199% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.0993% | 6,788 |
| Return on assets (ROA) | -1.0744% | 6,800 |
| Pretax return on assets | 0.2389% | 5,693 |
| Return on Equity (ROE) | -12.6677% | 6,818 |
| Retained earnings to average equity (ytd only) | -12.6677% | 6,790 |
| Net charge-offs to loans | 0.1597% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.7822% | 4,444 |
| Efficiency ratio | 94.3182% | 903 |
| Assets per employee ($millions) | 2.9959% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,581 |
| Loan loss allowance to noncurrent loans | 40.2209% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 3.0653% | 1,954 |
| Noncurrent loans to loans | 3.9813% | 1,567 |
| Net loans and leases to total assets | 67.2082% | 2,539 |
| Net loans and leases to deposits | 75.3524% | 3,288 |
| Net loans and leases to core deposits | 78.2861% | 3,646 |
| Total domestic deposits to total assets | 89.1918% | 1,426 |
| Equity capital to assets | 8.0366% | 6,546 |
| Core capital (leverage) ratio | 8.2742% | 5,888 |
| Tier 1 risk-based capital ratio | 13.3916% | 4,779 |
| Total risk-based capital ratio | 14.6480% | 4,742 |
| Memoranda: | ||
| Average total assets | $90,002,400 | 5,184 |
| Average earning assets | $81,048,400 | 5,197 |
| Average equity | $7,633,600 | 5,680 |
| Average total loans | $63,225,800 | 4,737 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 4,179 |
| Cost of funding earning assets | 1.4719% | 948 |
| Net interest margin | 3.2904% | 5,886 |
| Noninterest income to average assets | 0.4709% | 4,120 |
| Noninterest expense to average assets | 3.2565% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.5614% | 7,057 |
| Return on assets (ROA) | -1.5283% | 7,060 |
| Pretax return on assets | 0.2192% | 5,861 |
| Return on Equity (ROE) | -17.7860% | 7,067 |
| Retained earnings to average equity (ytd only) | -17.7860% | 7,050 |
| Net charge-offs to loans | 0.2073% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.1414% | 4,773 |
| Efficiency ratio | 95.1125% | 862 |
| Assets per employee ($millions) | 3.0310% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,716 |
| Loan loss allowance to noncurrent loans | 42.3474% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 2.9198% | 2,209 |
| Noncurrent loans to loans | 3.7544% | 1,810 |
| Net loans and leases to total assets | 67.0505% | 2,666 |
| Net loans and leases to deposits | 75.2128% | 3,473 |
| Net loans and leases to core deposits | 78.0973% | 3,893 |
| Total domestic deposits to total assets | 89.1477% | 1,334 |
| Equity capital to assets | 7.9743% | 6,709 |
| Core capital (leverage) ratio | 8.1446% | 6,215 |
| Tier 1 risk-based capital ratio | 13.0710% | 5,043 |
| Total risk-based capital ratio | 14.3257% | 5,013 |
| Memoranda: | ||
| Average total assets | $90,034,000 | 5,225 |
| Average earning assets | $80,799,000 | 5,250 |
| Average equity | $7,736,250 | 5,681 |
| Average total loans | $63,685,500 | 4,768 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 3,757 |
| Cost of funding earning assets | 1.5374% | 872 |
| Net interest margin | 3.3319% | 5,767 |
| Noninterest income to average assets | 0.4257% | 4,461 |
| Noninterest expense to average assets | 3.4234% | 2,199 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0401% | 6,285 |
| Return on assets (ROA) | -0.0401% | 6,343 |
| Pretax return on assets | -0.0223% | 6,284 |
| Return on Equity (ROE) | -0.4558% | 6,352 |
| Retained earnings to average equity (ytd only) | -0.4558% | 5,946 |
| Net charge-offs to loans | 0.2459% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.1266% | 5,364 |
| Efficiency ratio | 100.6553% | 703 |
| Assets per employee ($millions) | 3.1197% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 3,811 |
| Loan loss allowance to noncurrent loans | 50.4265% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.4262% | 2,732 |
| Noncurrent loans to loans | 3.1194% | 2,310 |
| Net loans and leases to total assets | 69.5088% | 2,316 |
| Net loans and leases to deposits | 78.9827% | 2,968 |
| Net loans and leases to core deposits | 81.7349% | 3,550 |
| Total domestic deposits to total assets | 88.0051% | 2,135 |
| Equity capital to assets | 8.8469% | 5,765 |
| Core capital (leverage) ratio | 8.7466% | 5,146 |
| Tier 1 risk-based capital ratio | 13.4777% | 4,543 |
| Total risk-based capital ratio | 14.7491% | 4,507 |
| Memoranda: | ||
| Average total assets | $89,735,330 | 5,261 |
| Average earning assets | $80,133,330 | 5,320 |
| Average equity | $7,898,000 | 5,647 |
| Average total loans | $64,262,670 | 4,781 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 3,480 |
| Cost of funding earning assets | 1.6035% | 804 |
| Net interest margin | 3.3173% | 5,716 |
| Noninterest income to average assets | 0.3446% | 5,159 |
| Noninterest expense to average assets | 3.3032% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0134% | 6,369 |
| Return on assets (ROA) | -0.0134% | 6,393 |
| Pretax return on assets | 0.0045% | 6,348 |
| Return on Equity (ROE) | -0.1530% | 6,399 |
| Retained earnings to average equity (ytd only) | -0.1530% | 5,817 |
| Net charge-offs to loans | 0.2234% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0278% | 4,563 |
| Efficiency ratio | 99.8647% | 752 |
| Assets per employee ($millions) | 3.2303% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 3,632 |
| Loan loss allowance to noncurrent loans | 55.7447% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.2101% | 3,050 |
| Noncurrent loans to loans | 2.9136% | 2,581 |
| Net loans and leases to total assets | 70.1810% | 2,094 |
| Net loans and leases to deposits | 79.4707% | 2,811 |
| Net loans and leases to core deposits | 81.9505% | 3,462 |
| Total domestic deposits to total assets | 88.3105% | 2,187 |
| Equity capital to assets | 8.6634% | 5,696 |
| Core capital (leverage) ratio | 8.7632% | 4,982 |
| Tier 1 risk-based capital ratio | 13.1446% | 4,715 |
| Total risk-based capital ratio | 14.4005% | 4,687 |
| Memoranda: | ||
| Average total assets | $89,367,000 | 5,312 |
| Average earning assets | $79,824,000 | 5,365 |
| Average equity | $7,845,000 | 5,664 |
| Average total loans | $64,448,500 | 4,825 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 4,709 |
| Cost of funding earning assets | 1.9387% | 745 |
| Net interest margin | 3.0288% | 6,682 |
| Noninterest income to average assets | 0.3939% | 4,950 |
| Noninterest expense to average assets | 3.0848% | 3,526 |
| Loan and lease loss provision to assets | 0.1140% | 6,024 |
| Net operating income to assets | 0.1885% | 5,304 |
| Return on assets (ROA) | 0.1885% | 5,481 |
| Pretax return on assets | -0.1298% | 6,022 |
| Return on Equity (ROE) | 2.1214% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.1214% | 4,401 |
| Net charge-offs to loans | 0.3751% | 4,161 |
| Credit loss provision to net charge-offs | 41.0569% | 6,369 |
| Earnings coverage of net charge-offs (x) | -0.0569% | 6,181 |
| Efficiency ratio | 100.5149% | 759 |
| Assets per employee ($millions) | 3.1530% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 3,278 |
| Loan loss allowance to noncurrent loans | 62.6952% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.3662% | 2,903 |
| Noncurrent loans to loans | 2.6860% | 2,834 |
| Net loans and leases to total assets | 71.6849% | 2,167 |
| Net loans and leases to deposits | 81.3761% | 2,922 |
| Net loans and leases to core deposits | 84.2557% | 3,561 |
| Total domestic deposits to total assets | 88.0908% | 2,197 |
| Equity capital to assets | 8.8962% | 5,289 |
| Core capital (leverage) ratio | 9.5104% | 3,694 |
| Tier 1 risk-based capital ratio | 14.0948% | 3,812 |
| Total risk-based capital ratio | 15.3527% | 3,770 |
| Memoranda: | ||
| Average total assets | $88,595,600 | 5,333 |
| Average earning assets | $78,247,800 | 5,404 |
| Average equity | $7,872,200 | 5,760 |
| Average total loans | $65,579,800 | 4,843 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 4,861 |
| Cost of funding earning assets | 1.9797% | 802 |
| Net interest margin | 3.0113% | 6,806 |
| Noninterest income to average assets | 0.3609% | 5,277 |
| Noninterest expense to average assets | 2.9320% | 3,975 |
| Loan and lease loss provision to assets | 0.0977% | 6,042 |
| Net operating income to assets | 0.4135% | 4,691 |
| Return on assets (ROA) | 0.4135% | 4,864 |
| Pretax return on assets | -0.0135% | 6,107 |
| Return on Equity (ROE) | 4.6550% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.6550% | 3,224 |
| Net charge-offs to loans | 0.4817% | 3,350 |
| Credit loss provision to net charge-offs | 27.3109% | 6,180 |
| Earnings coverage of net charge-offs (x) | 0.2353% | 5,775 |
| Efficiency ratio | 97.2084% | 856 |
| Assets per employee ($millions) | 3.1895% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,485 |
| Loan loss allowance to noncurrent loans | 57.3601% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.9046% | 2,497 |
| Noncurrent loans to loans | 2.8079% | 2,841 |
| Net loans and leases to total assets | 72.2317% | 2,201 |
| Net loans and leases to deposits | 82.3626% | 3,038 |
| Net loans and leases to core deposits | 85.5419% | 3,722 |
| Total domestic deposits to total assets | 87.6997% | 2,157 |
| Equity capital to assets | 9.1325% | 5,406 |
| Core capital (leverage) ratio | 9.6224% | 3,729 |
| Tier 1 risk-based capital ratio | 13.9996% | 3,835 |
| Total risk-based capital ratio | 15.2594% | 3,801 |
| Memoranda: | ||
| Average total assets | $88,673,250 | 5,392 |
| Average earning assets | $78,192,000 | 5,478 |
| Average equity | $7,876,750 | 5,830 |
| Average total loans | $65,882,000 | 4,910 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0154% | 4,875 |
| Cost of funding earning assets | 2.0113% | 884 |
| Net interest margin | 3.0041% | 6,816 |
| Noninterest income to average assets | 0.5675% | 3,569 |
| Noninterest expense to average assets | 3.3167% | 2,511 |
| Loan and lease loss provision to assets | 0.1470% | 5,428 |
| Net operating income to assets | -0.2510% | 6,411 |
| Return on assets (ROA) | -0.2510% | 6,453 |
| Pretax return on assets | -0.2487% | 6,372 |
| Return on Equity (ROE) | -2.8521% | 6,502 |
| Retained earnings to average equity (ytd only) | -2.8521% | 6,272 |
| Net charge-offs to loans | 0.6728% | 2,537 |
| Credit loss provision to net charge-offs | 29.2793% | 5,745 |
| Earnings coverage of net charge-offs (x) | -0.2027% | 5,875 |
| Efficiency ratio | 103.1646% | 705 |
| Assets per employee ($millions) | 3.1681% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 3,297 |
| Loan loss allowance to noncurrent loans | 58.9011% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 3.0866% | 2,299 |
| Noncurrent loans to loans | 2.7813% | 2,877 |
| Net loans and leases to total assets | 72.5588% | 2,264 |
| Net loans and leases to deposits | 82.8056% | 3,115 |
| Net loans and leases to core deposits | 86.3008% | 3,785 |
| Total domestic deposits to total assets | 87.6254% | 2,196 |
| Equity capital to assets | 8.5507% | 6,100 |
| Core capital (leverage) ratio | 9.2045% | 4,294 |
| Tier 1 risk-based capital ratio | 13.2472% | 4,254 |
| Total risk-based capital ratio | 14.5053% | 4,203 |
| Memoranda: | ||
| Average total assets | $88,462,000 | 5,441 |
| Average earning assets | $77,960,000 | 5,507 |
| Average equity | $7,783,670 | 5,875 |
| Average total loans | $65,988,000 | 4,941 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 4,605 |
| Cost of funding earning assets | 2.0380% | 983 |
| Net interest margin | 3.0467% | 6,721 |
| Noninterest income to average assets | 0.4981% | 4,061 |
| Noninterest expense to average assets | 3.5454% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3668% | 6,734 |
| Return on assets (ROA) | -0.3668% | 6,778 |
| Pretax return on assets | -0.3668% | 6,698 |
| Return on Equity (ROE) | -4.1101% | 6,827 |
| Retained earnings to average equity (ytd only) | -4.1101% | 6,509 |
| Net charge-offs to loans | 0.2535% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.9286% | 5,466 |
| Efficiency ratio | 111.5385% | 571 |
| Assets per employee ($millions) | 3.1954% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 2,726 |
| Loan loss allowance to noncurrent loans | 72.4664% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.7349% | 2,658 |
| Noncurrent loans to loans | 2.4843% | 3,186 |
| Net loans and leases to total assets | 72.3645% | 2,366 |
| Net loans and leases to deposits | 83.3260% | 3,054 |
| Net loans and leases to core deposits | 86.5380% | 3,818 |
| Total domestic deposits to total assets | 86.8450% | 2,712 |
| Equity capital to assets | 8.7960% | 5,561 |
| Core capital (leverage) ratio | 9.3047% | 4,047 |
| Tier 1 risk-based capital ratio | 12.9642% | 4,358 |
| Total risk-based capital ratio | 14.2146% | 4,338 |
| Memoranda: | ||
| Average total assets | $88,340,000 | 5,501 |
| Average earning assets | $77,724,000 | 5,581 |
| Average equity | $7,883,000 | 5,886 |
| Average total loans | $66,264,000 | 4,994 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 4,583 |
| Cost of funding earning assets | 2.3273% | 1,549 |
| Net interest margin | 3.0937% | 6,391 |
| Noninterest income to average assets | 0.6063% | 3,582 |
| Noninterest expense to average assets | 3.4115% | 2,638 |
| Loan and lease loss provision to assets | 0.8150% | 2,688 |
| Net operating income to assets | -0.8564% | 6,478 |
| Return on assets (ROA) | -0.8476% | 6,469 |
| Pretax return on assets | -0.9001% | 6,343 |
| Return on Equity (ROE) | -9.1897% | 6,554 |
| Retained earnings to average equity (ytd only) | -9.1897% | 6,450 |
| Net charge-offs to loans | 0.2044% | 5,354 |
| Credit loss provision to net charge-offs | 521.6418% | 583 |
| Earnings coverage of net charge-offs (x) | -0.6045% | 6,755 |
| Efficiency ratio | 102.8471% | 980 |
| Assets per employee ($millions) | 2.9069% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8455% | 2,416 |
| Loan loss allowance to noncurrent loans | 70.4702% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 2.7887% | 2,508 |
| Noncurrent loans to loans | 2.6188% | 2,940 |
| Net loans and leases to total assets | 74.9541% | 2,042 |
| Net loans and leases to deposits | 85.9175% | 2,928 |
| Net loans and leases to core deposits | 106.0224% | 3,329 |
| Total domestic deposits to total assets | 87.2397% | 2,368 |
| Equity capital to assets | 9.0542% | 5,056 |
| Core capital (leverage) ratio | 9.5914% | 3,610 |
| Tier 1 risk-based capital ratio | 13.2703% | 3,971 |
| Total risk-based capital ratio | 14.5169% | 3,915 |
| Memoranda: | ||
| Average total assets | $85,767,800 | 5,535 |
| Average earning assets | $75,152,800 | 5,632 |
| Average equity | $7,911,000 | 5,956 |
| Average total loans | $65,553,800 | 5,042 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5326% | 4,259 |
| Cost of funding earning assets | 2.3754% | 1,723 |
| Net interest margin | 3.1571% | 6,152 |
| Noninterest income to average assets | 0.5870% | 3,800 |
| Noninterest expense to average assets | 3.3517% | 2,724 |
| Loan and lease loss provision to assets | 1.0912% | 1,793 |
| Net operating income to assets | -1.0233% | 6,856 |
| Return on assets (ROA) | -1.0116% | 6,851 |
| Pretax return on assets | -1.0818% | 6,742 |
| Return on Equity (ROE) | -10.9161% | 6,953 |
| Retained earnings to average equity (ytd only) | -10.9161% | 6,881 |
| Net charge-offs to loans | 0.3471% | 3,903 |
| Credit loss provision to net charge-offs | 411.1765% | 969 |
| Earnings coverage of net charge-offs (x) | -0.0118% | 6,082 |
| Efficiency ratio | 100.0932% | 1,057 |
| Assets per employee ($millions) | 2.8478% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 2,285 |
| Loan loss allowance to noncurrent loans | 89.5646% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.9500% | 3,419 |
| Noncurrent loans to loans | 2.0063% | 3,635 |
| Net loans and leases to total assets | 76.3130% | 1,931 |
| Net loans and leases to deposits | 88.0079% | 2,956 |
| Net loans and leases to core deposits | 108.1389% | 3,452 |
| Total domestic deposits to total assets | 86.7115% | 2,323 |
| Equity capital to assets | 9.3978% | 4,886 |
| Core capital (leverage) ratio | 9.7971% | 3,521 |
| Tier 1 risk-based capital ratio | 13.7738% | 3,674 |
| Total risk-based capital ratio | 15.0242% | 3,621 |
| Memoranda: | ||
| Average total assets | $85,407,750 | 5,572 |
| Average earning assets | $74,707,250 | 5,683 |
| Average equity | $7,914,750 | 6,011 |
| Average total loans | $65,293,500 | 5,095 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6877% | 3,615 |
| Cost of funding earning assets | 2.4084% | 1,936 |
| Net interest margin | 3.2793% | 5,630 |
| Noninterest income to average assets | 0.5761% | 3,862 |
| Noninterest expense to average assets | 4.2015% | 1,069 |
| Loan and lease loss provision to assets | 1.2084% | 1,425 |
| Net operating income to assets | -2.1288% | 7,459 |
| Return on assets (ROA) | -2.1101% | 7,452 |
| Pretax return on assets | -1.9579% | 7,275 |
| Return on Equity (ROE) | -22.8777% | 7,586 |
| Retained earnings to average equity (ytd only) | -22.8777% | 7,545 |
| Net charge-offs to loans | 0.4621% | 2,980 |
| Credit loss provision to net charge-offs | 344.0000% | 1,345 |
| Earnings coverage of net charge-offs (x) | -2.1867% | 6,364 |
| Efficiency ratio | 122.3738% | 626 |
| Assets per employee ($millions) | 2.8215% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 2,923 |
| Loan loss allowance to noncurrent loans | 87.2142% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.7296% | 3,591 |
| Noncurrent loans to loans | 1.7860% | 3,822 |
| Net loans and leases to total assets | 76.9059% | 1,968 |
| Net loans and leases to deposits | 88.8211% | 3,032 |
| Net loans and leases to core deposits | 108.5945% | 3,540 |
| Total domestic deposits to total assets | 86.5851% | 2,463 |
| Equity capital to assets | 8.5971% | 5,898 |
| Core capital (leverage) ratio | 9.4367% | 3,981 |
| Tier 1 risk-based capital ratio | 13.4039% | 3,861 |
| Total risk-based capital ratio | 14.6504% | 3,812 |
| Memoranda: | ||
| Average total assets | $85,398,670 | 5,603 |
| Average earning assets | $74,406,000 | 5,733 |
| Average equity | $7,876,670 | 6,064 |
| Average total loans | $64,927,670 | 5,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0222% | 2,271 |
| Cost of funding earning assets | 2.4410% | 2,140 |
| Net interest margin | 3.5812% | 4,402 |
| Noninterest income to average assets | 0.5456% | 3,968 |
| Noninterest expense to average assets | 3.9125% | 1,292 |
| Loan and lease loss provision to assets | 0.4150% | 2,842 |
| Net operating income to assets | -0.7088% | 7,066 |
| Return on assets (ROA) | -0.6715% | 7,068 |
| Pretax return on assets | -0.6249% | 6,920 |
| Return on Equity (ROE) | -7.0446% | 7,150 |
| Retained earnings to average equity (ytd only) | -7.0446% | 6,797 |
| Net charge-offs to loans | 0.4975% | 2,216 |
| Credit loss provision to net charge-offs | 111.2500% | 3,467 |
| Earnings coverage of net charge-offs (x) | -0.6625% | 5,297 |
| Efficiency ratio | 106.7430% | 909 |
| Assets per employee ($millions) | 2.9103% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 5,939 |
| Loan loss allowance to noncurrent loans | 108.7237% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 4,662 |
| Noncurrent loans to loans | 0.9472% | 5,104 |
| Net loans and leases to total assets | 74.0786% | 2,734 |
| Net loans and leases to deposits | 85.9371% | 3,641 |
| Net loans and leases to core deposits | 104.0475% | 4,134 |
| Total domestic deposits to total assets | 86.2009% | 2,614 |
| Equity capital to assets | 9.2990% | 4,938 |
| Core capital (leverage) ratio | 10.3351% | 3,083 |
| Tier 1 risk-based capital ratio | 14.4322% | 3,348 |
| Total risk-based capital ratio | 15.5279% | 3,370 |
| Memoranda: | ||
| Average total assets | $85,775,500 | 5,614 |
| Average earning assets | $74,724,000 | 5,742 |
| Average equity | $8,176,500 | 5,996 |
| Average total loans | $64,328,000 | 5,189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4532% | 3,178 |
| Cost of funding earning assets | 2.7609% | 2,874 |
| Net interest margin | 3.6924% | 4,507 |
| Noninterest income to average assets | 0.5800% | 4,006 |
| Noninterest expense to average assets | 4.0175% | 1,393 |
| Loan and lease loss provision to assets | 0.3440% | 3,643 |
| Net operating income to assets | -0.4695% | 6,898 |
| Return on assets (ROA) | -0.4792% | 6,785 |
| Pretax return on assets | -0.5290% | 6,676 |
| Return on Equity (ROE) | -4.6774% | 6,831 |
| Retained earnings to average equity (ytd only) | -4.6774% | 6,458 |
| Net charge-offs to loans | 0.4013% | 2,806 |
| Credit loss provision to net charge-offs | 113.7255% | 4,746 |
| Earnings coverage of net charge-offs (x) | -0.5765% | 6,505 |
| Efficiency ratio | 104.5370% | 854 |
| Assets per employee ($millions) | 2.8080% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,636 |
| Loan loss allowance to noncurrent loans | 81.6728% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2571% | 3,712 |
| Noncurrent loans to loans | 1.2843% | 3,944 |
| Net loans and leases to total assets | 74.3593% | 3,017 |
| Net loans and leases to deposits | 86.9326% | 3,962 |
| Net loans and leases to core deposits | 105.1112% | 4,287 |
| Total domestic deposits to total assets | 85.5367% | 2,613 |
| Equity capital to assets | 9.7743% | 4,325 |
| Core capital (leverage) ratio | 10.6777% | 2,840 |
| Tier 1 risk-based capital ratio | 14.8392% | 3,128 |
| Total risk-based capital ratio | 15.9329% | 3,132 |
| Memoranda: | ||
| Average total assets | $84,305,400 | 5,551 |
| Average earning assets | $74,505,200 | 5,642 |
| Average equity | $8,637,200 | 5,862 |
| Average total loans | $63,548,400 | 5,118 |