Home > Versailles Savings and Loan Company > Performance and Condition Ratios
Versailles Savings and Loan Company, 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 | 4.3074% | 3,431 |
| Cost of funding earning assets | 0.6103% | 4,056 |
| Net interest margin | 3.6971% | 1,766 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.9794% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2722% | 1,487 |
| Return on assets (ROA) | 1.2722% | 1,459 |
| Pretax return on assets | 1.6173% | 1,205 |
| Return on Equity (ROE) | 6.4400% | 3,440 |
| Retained earnings to average equity (ytd only) | 0.4450% | 3,961 |
| 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 | 55.0329% | 3,598 |
| Assets per employee ($millions) | 8.1213% | 1,375 |
| Cash dividends to net income (ytd only)* | 93.0851% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 2,787 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.9800% | 1,475 |
| Net loans and leases to deposits | 99.6397% | 557 |
| Net loans and leases to core deposits | 103.7279% | 1,232 |
| Total domestic deposits to total assets | 73.2400% | 4,152 |
| Equity capital to assets | 20.1288% | 280 |
| Core capital (leverage) ratio | 20.6163% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $59,110,200 | 4,221 |
| Average earning assets | $56,367,800 | 4,182 |
| Average equity | $11,684,800 | 3,559 |
| Average total loans | $40,605,200 | 3,987 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 3,387 |
| Cost of funding earning assets | 0.5007% | 4,134 |
| Net interest margin | 3.7436% | 1,696 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.7785% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4724% | 1,185 |
| Return on assets (ROA) | 1.4724% | 1,168 |
| Pretax return on assets | 1.8701% | 901 |
| Return on Equity (ROE) | 7.4800% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.4809% | 2,147 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.7446% | 3,999 |
| Assets per employee ($millions) | 8.0397% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 2,829 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 73.8000% | 1,362 |
| Net loans and leases to deposits | 102.2880% | 422 |
| Net loans and leases to core deposits | 104.3753% | 1,102 |
| Total domestic deposits to total assets | 72.1500% | 4,249 |
| Equity capital to assets | 21.1397% | 260 |
| Core capital (leverage) ratio | 21.4992% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $59,675,500 | 4,235 |
| Average earning assets | $56,985,000 | 4,194 |
| Average equity | $11,745,250 | 3,550 |
| Average total loans | $40,268,500 | 3,997 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 3,349 |
| Cost of funding earning assets | 0.3440% | 4,251 |
| Net interest margin | 3.8291% | 1,566 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.0607% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3035% | 1,562 |
| Return on assets (ROA) | 1.3035% | 1,544 |
| Pretax return on assets | 1.6558% | 1,307 |
| Return on Equity (ROE) | 6.8000% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.7956% | 2,354 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.4473% | 3,484 |
| Assets per employee ($millions) | 8.1811% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6256% | 4,267 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 70.7300% | 1,665 |
| Net loans and leases to deposits | 97.4944% | 644 |
| Net loans and leases to core deposits | 99.4256% | 1,265 |
| Total domestic deposits to total assets | 72.5500% | 4,270 |
| Equity capital to assets | 20.7358% | 261 |
| Core capital (leverage) ratio | 20.3422% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $60,757,333 | 4,240 |
| Average earning assets | $58,134,333 | 4,201 |
| Average equity | $11,654,667 | 3,573 |
| Average total loans | $39,692,000 | 4,020 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,419 |
| Cost of funding earning assets | 0.2674% | 4,262 |
| Net interest margin | 3.7502% | 1,793 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 2.0671% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2416% | 1,819 |
| Return on assets (ROA) | 1.2416% | 1,794 |
| Pretax return on assets | 1.5743% | 1,519 |
| Return on Equity (ROE) | 6.7200% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.7218% | 2,577 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.7663% | 3,325 |
| Assets per employee ($millions) | 7.9078% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6467% | 4,312 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 61.9300% | 2,471 |
| Net loans and leases to deposits | 81.8699% | 1,664 |
| Net loans and leases to core deposits | 82.3915% | 2,098 |
| Total domestic deposits to total assets | 75.6400% | 4,181 |
| Equity capital to assets | 18.4582% | 287 |
| Core capital (leverage) ratio | 19.4313% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $62,502,000 | 4,284 |
| Average earning assets | $59,837,000 | 4,235 |
| Average equity | $11,544,500 | 3,615 |
| Average total loans | $39,157,500 | 4,082 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2857% | 3,622 |
| Cost of funding earning assets | 0.1824% | 3,889 |
| Net interest margin | 3.1033% | 3,170 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.9777% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7650% | 3,438 |
| Return on assets (ROA) | 0.7650% | 3,380 |
| Pretax return on assets | 0.9748% | 3,149 |
| Return on Equity (ROE) | 4.3300% | 4,112 |
| Retained earnings to average equity (ytd only) | 2.5708% | 3,831 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.9826% | 2,093 |
| Assets per employee ($millions) | 7.7178% | 1,475 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6558% | 4,278 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.5600% | 2,375 |
| Net loans and leases to deposits | 82.6211% | 1,572 |
| Net loans and leases to core deposits | 83.8824% | 1,884 |
| Total domestic deposits to total assets | 75.7200% | 4,274 |
| Equity capital to assets | 18.4834% | 273 |
| Core capital (leverage) ratio | 17.8687% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $64,317,600 | 4,288 |
| Average earning assets | $60,291,400 | 4,259 |
| Average equity | $11,358,400 | 3,729 |
| Average total loans | $36,921,800 | 4,121 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0184% | 3,857 |
| Cost of funding earning assets | 0.1738% | 3,580 |
| Net interest margin | 2.8446% | 3,639 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.9170% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6096% | 3,807 |
| Return on assets (ROA) | 0.6096% | 3,762 |
| Pretax return on assets | 0.7799% | 3,633 |
| Return on Equity (ROE) | 3.4900% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.4904% | 3,627 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.0807% | 1,632 |
| Assets per employee ($millions) | 8.3450% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,301 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 56.6000% | 2,842 |
| Net loans and leases to deposits | 72.8905% | 2,135 |
| Net loans and leases to core deposits | 74.2820% | 2,327 |
| Total domestic deposits to total assets | 77.6500% | 4,284 |
| Equity capital to assets | 16.9697% | 325 |
| Core capital (leverage) ratio | 17.6727% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $64,961,500 | 4,313 |
| Average earning assets | $60,605,250 | 4,285 |
| Average equity | $11,345,000 | 3,774 |
| Average total loans | $36,431,750 | 4,150 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8092% | 3,956 |
| Cost of funding earning assets | 0.1781% | 3,203 |
| Net interest margin | 2.6311% | 3,850 |
| Noninterest income to average assets | 0.0404% | 4,661 |
| Noninterest expense to average assets | 1.9888% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3791% | 4,148 |
| Return on assets (ROA) | 0.3791% | 4,101 |
| Pretax return on assets | 0.4848% | 4,026 |
| Return on Equity (ROE) | 2.1497% | 4,337 |
| Retained earnings to average equity (ytd only) | 2.1497% | 3,711 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4020% | 916 |
| Assets per employee ($millions) | 8.2668% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6904% | 4,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.4662% | 2,809 |
| Net loans and leases to deposits | 71.5342% | 2,068 |
| Net loans and leases to core deposits | 72.7183% | 2,261 |
| Total domestic deposits to total assets | 77.5380% | 4,379 |
| Equity capital to assets | 17.0895% | 274 |
| Core capital (leverage) ratio | 17.7003% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,362,000 | 4,363 |
| Average earning assets | $59,519,000 | 4,361 |
| Average equity | $11,350,333 | 3,847 |
| Average total loans | $35,895,667 | 4,213 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7141% | 3,921 |
| Cost of funding earning assets | 0.1841% | 3,029 |
| Net interest margin | 2.5299% | 3,834 |
| Noninterest income to average assets | 0.0378% | 4,689 |
| Noninterest expense to average assets | 2.1299% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1890% | 4,350 |
| Return on assets (ROA) | 0.1890% | 4,315 |
| Pretax return on assets | 0.2458% | 4,276 |
| Return on Equity (ROE) | 1.0550% | 4,417 |
| Retained earnings to average equity (ytd only) | 1.0550% | 3,813 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6552% | 564 |
| Assets per employee ($millions) | 8.0344% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 4,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 55.3372% | 2,596 |
| Net loans and leases to deposits | 71.9141% | 1,783 |
| Net loans and leases to core deposits | 73.1491% | 2,006 |
| Total domestic deposits to total assets | 76.9490% | 4,463 |
| Equity capital to assets | 17.5683% | 243 |
| Core capital (leverage) ratio | 18.1631% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,476,000 | 4,400 |
| Average earning assets | $58,657,500 | 4,394 |
| Average equity | $11,374,500 | 3,918 |
| Average total loans | $35,375,000 | 4,244 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8282% | 4,169 |
| Cost of funding earning assets | 0.2854% | 2,548 |
| Net interest margin | 2.5428% | 4,131 |
| Noninterest income to average assets | 0.0397% | 4,743 |
| Noninterest expense to average assets | 1.9940% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3051% | 4,417 |
| Return on assets (ROA) | 0.3051% | 4,437 |
| Pretax return on assets | 0.3956% | 4,395 |
| Return on Equity (ROE) | 1.6538% | 4,537 |
| Retained earnings to average equity (ytd only) | -0.9303% | 4,577 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4441% | 604 |
| Assets per employee ($millions) | 7.8346% | 1,425 |
| Cash dividends to net income (ytd only)* | 156.2500% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 4,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.3185% | 2,702 |
| Net loans and leases to deposits | 72.6054% | 1,854 |
| Net loans and leases to core deposits | 73.8976% | 2,084 |
| Total domestic deposits to total assets | 76.1906% | 4,503 |
| Equity capital to assets | 18.2794% | 246 |
| Core capital (leverage) ratio | 18.3412% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,940,200 | 4,413 |
| Average earning assets | $58,164,800 | 4,411 |
| Average equity | $11,609,400 | 3,972 |
| Average total loans | $36,033,800 | 4,271 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8422% | 4,244 |
| Cost of funding earning assets | 0.3161% | 2,444 |
| Net interest margin | 2.5262% | 4,228 |
| Noninterest income to average assets | 0.0381% | 4,820 |
| Noninterest expense to average assets | 1.9320% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3470% | 4,448 |
| Return on assets (ROA) | 0.3470% | 4,478 |
| Pretax return on assets | 0.4402% | 4,437 |
| Return on Equity (ROE) | 1.8773% | 4,609 |
| Retained earnings to average equity (ytd only) | 1.8773% | 4,223 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4451% | 671 |
| Assets per employee ($millions) | 7.8273% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 4,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.3254% | 2,580 |
| Net loans and leases to deposits | 75.7411% | 1,694 |
| Net loans and leases to core deposits | 77.0714% | 1,958 |
| Total domestic deposits to total assets | 75.6859% | 4,562 |
| Equity capital to assets | 18.7550% | 238 |
| Core capital (leverage) ratio | 18.9762% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,006,000 | 4,477 |
| Average earning assets | $58,215,500 | 4,465 |
| Average equity | $11,647,500 | 4,022 |
| Average total loans | $36,310,500 | 4,319 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8518% | 4,285 |
| Cost of funding earning assets | 0.3633% | 2,198 |
| Net interest margin | 2.4885% | 4,324 |
| Noninterest income to average assets | 0.0380% | 4,856 |
| Noninterest expense to average assets | 1.9545% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2978% | 4,528 |
| Return on assets (ROA) | 0.2978% | 4,550 |
| Pretax return on assets | 0.3833% | 4,516 |
| Return on Equity (ROE) | 1.6186% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.6186% | 4,213 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6043% | 571 |
| Assets per employee ($millions) | 7.7759% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 4,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.5337% | 2,725 |
| Net loans and leases to deposits | 76.0050% | 1,818 |
| Net loans and leases to core deposits | 78.0793% | 2,038 |
| Total domestic deposits to total assets | 75.6973% | 4,579 |
| Equity capital to assets | 18.7519% | 239 |
| Core capital (leverage) ratio | 18.6327% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,135,333 | 4,500 |
| Average earning assets | $58,349,000 | 4,492 |
| Average equity | $11,615,333 | 4,035 |
| Average total loans | $36,363,667 | 4,350 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8697% | 4,293 |
| Cost of funding earning assets | 0.4012% | 2,086 |
| Net interest margin | 2.4685% | 4,343 |
| Noninterest income to average assets | 0.0377% | 4,874 |
| Noninterest expense to average assets | 1.9937% | 3,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2516% | 4,590 |
| Return on assets (ROA) | 0.2516% | 4,613 |
| Pretax return on assets | 0.3270% | 4,571 |
| Return on Equity (ROE) | 1.3804% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.3804% | 4,150 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9079% | 514 |
| Assets per employee ($millions) | 7.1474% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 4,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.7908% | 3,267 |
| Net loans and leases to deposits | 70.2279% | 2,483 |
| Net loans and leases to core deposits | 73.2426% | 2,588 |
| Total domestic deposits to total assets | 76.5946% | 4,552 |
| Equity capital to assets | 18.0515% | 254 |
| Core capital (leverage) ratio | 18.2375% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,599,500 | 4,512 |
| Average earning assets | $58,821,500 | 4,503 |
| Average equity | $11,590,500 | 4,049 |
| Average total loans | $36,523,000 | 4,367 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 4,012 |
| Cost of funding earning assets | 0.5700% | 2,505 |
| Net interest margin | 2.9392% | 4,040 |
| Noninterest income to average assets | 0.0391% | 4,879 |
| Noninterest expense to average assets | 2.1656% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4814% | 4,068 |
| Return on assets (ROA) | 0.4814% | 4,154 |
| Pretax return on assets | 0.6192% | 4,039 |
| Return on Equity (ROE) | 2.4253% | 4,502 |
| Retained earnings to average equity (ytd only) | -0.1457% | 4,542 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7642% | 1,051 |
| Assets per employee ($millions) | 6.2872% | 2,093 |
| Cash dividends to net income (ytd only)* | 106.0071% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.3353% | 2,817 |
| Net loans and leases to deposits | 79.1578% | 1,962 |
| Net loans and leases to core deposits | 83.3110% | 2,097 |
| Total domestic deposits to total assets | 76.2215% | 4,496 |
| Equity capital to assets | 18.4009% | 248 |
| Core capital (leverage) ratio | 18.6669% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,783,000 | 4,528 |
| Average earning assets | $54,912,200 | 4,512 |
| Average equity | $11,668,600 | 4,007 |
| Average total loans | $40,354,000 | 4,302 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 3,906 |
| Cost of funding earning assets | 0.5987% | 2,623 |
| Net interest margin | 3.0552% | 3,848 |
| Noninterest income to average assets | 0.0392% | 4,910 |
| Noninterest expense to average assets | 2.1329% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6002% | 3,766 |
| Return on assets (ROA) | 0.6002% | 3,864 |
| Pretax return on assets | 0.7687% | 3,732 |
| Return on Equity (ROE) | 2.9645% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.9645% | 3,537 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5084% | 1,458 |
| Assets per employee ($millions) | 6.7062% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 4,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.9406% | 2,779 |
| Net loans and leases to deposits | 85.4448% | 1,763 |
| Net loans and leases to core deposits | 89.8261% | 1,994 |
| Total domestic deposits to total assets | 74.8327% | 4,517 |
| Equity capital to assets | 19.5971% | 223 |
| Core capital (leverage) ratio | 19.7472% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,760,750 | 4,556 |
| Average earning assets | $54,113,500 | 4,543 |
| Average equity | $11,693,500 | 4,014 |
| Average total loans | $40,895,250 | 4,322 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 3,801 |
| Cost of funding earning assets | 0.6302% | 2,812 |
| Net interest margin | 3.1922% | 3,690 |
| Noninterest income to average assets | 0.0387% | 4,938 |
| Noninterest expense to average assets | 2.1829% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6749% | 3,484 |
| Return on assets (ROA) | 0.6749% | 3,590 |
| Pretax return on assets | 0.8647% | 3,417 |
| Return on Equity (ROE) | 3.2965% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.2965% | 3,271 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6263% | 1,745 |
| Assets per employee ($millions) | 6.6023% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6461% | 4,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.9868% | 2,629 |
| Net loans and leases to deposits | 88.5022% | 1,504 |
| Net loans and leases to core deposits | 92.0185% | 1,902 |
| Total domestic deposits to total assets | 74.5595% | 4,555 |
| Equity capital to assets | 19.7758% | 222 |
| Core capital (leverage) ratio | 20.1938% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,895,667 | 4,584 |
| Average earning assets | $53,631,333 | 4,560 |
| Average equity | $11,648,667 | 4,027 |
| Average total loans | $41,578,000 | 4,320 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,592 |
| Cost of funding earning assets | 0.6629% | 3,100 |
| Net interest margin | 3.4122% | 3,259 |
| Noninterest income to average assets | 0.0288% | 5,007 |
| Noninterest expense to average assets | 2.2864% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7765% | 2,988 |
| Return on assets (ROA) | 0.7765% | 3,069 |
| Pretax return on assets | 0.9994% | 2,841 |
| Return on Equity (ROE) | 3.7249% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.7249% | 2,794 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5842% | 2,413 |
| Assets per employee ($millions) | 6.2590% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 4,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.7647% | 1,341 |
| Net loans and leases to deposits | 103.2565% | 399 |
| Net loans and leases to core deposits | 106.9703% | 1,001 |
| Total domestic deposits to total assets | 73.3752% | 4,699 |
| Equity capital to assets | 20.6938% | 217 |
| Core capital (leverage) ratio | 21.0780% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,633,000 | 4,615 |
| Average earning assets | $53,104,000 | 4,582 |
| Average equity | $11,597,500 | 4,051 |
| Average total loans | $42,634,500 | 4,314 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 3,510 |
| Cost of funding earning assets | 0.6793% | 3,266 |
| Net interest margin | 3.6312% | 3,030 |
| Noninterest income to average assets | 0.0329% | 5,071 |
| Noninterest expense to average assets | 2.3627% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8929% | 3,230 |
| Return on assets (ROA) | 0.8929% | 3,321 |
| Pretax return on assets | 1.1448% | 3,029 |
| Return on Equity (ROE) | 4.3366% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.3366% | 2,797 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3607% | 2,551 |
| Assets per employee ($millions) | 6.1039% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 4,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.5996% | 1,310 |
| Net loans and leases to deposits | 104.9010% | 344 |
| Net loans and leases to core deposits | 108.7760% | 927 |
| Total domestic deposits to total assets | 73.0208% | 4,828 |
| Equity capital to assets | 21.0030% | 213 |
| Core capital (leverage) ratio | 21.0898% | 195 |
| Tier 1 risk-based capital ratio | 36.8332% | 293 |
| Total risk-based capital ratio | 37.6472% | 296 |
| Memoranda: | ||
| Average total assets | $54,767,200 | 4,670 |
| Average earning assets | $52,406,200 | 4,634 |
| Average equity | $11,276,200 | 4,083 |
| Average total loans | $42,916,000 | 4,338 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 3,513 |
| Cost of funding earning assets | 0.6720% | 3,343 |
| Net interest margin | 3.6782% | 3,000 |
| Noninterest income to average assets | 0.0317% | 5,148 |
| Noninterest expense to average assets | 2.3097% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9697% | 3,082 |
| Return on assets (ROA) | 0.9697% | 3,163 |
| Pretax return on assets | 1.2425% | 2,839 |
| Return on Equity (ROE) | 4.7334% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.7334% | 3,035 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0206% | 2,854 |
| Assets per employee ($millions) | 6.0941% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 4,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.4217% | 1,411 |
| Net loans and leases to deposits | 106.9997% | 291 |
| Net loans and leases to core deposits | 110.7017% | 917 |
| Total domestic deposits to total assets | 71.4223% | 4,945 |
| Equity capital to assets | 20.8307% | 225 |
| Core capital (leverage) ratio | 20.6638% | 220 |
| Tier 1 risk-based capital ratio | 36.0103% | 317 |
| Total risk-based capital ratio | 36.8141% | 325 |
| Memoranda: | ||
| Average total assets | $54,725,250 | 4,739 |
| Average earning assets | $52,379,250 | 4,700 |
| Average equity | $11,210,750 | 4,129 |
| Average total loans | $43,061,250 | 4,388 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 3,423 |
| Cost of funding earning assets | 0.6421% | 3,454 |
| Net interest margin | 3.7265% | 2,847 |
| Noninterest income to average assets | 0.0329% | 5,201 |
| Noninterest expense to average assets | 2.3005% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0094% | 2,885 |
| Return on assets (ROA) | 1.0094% | 2,960 |
| Pretax return on assets | 1.2984% | 2,561 |
| Return on Equity (ROE) | 4.9554% | 4,352 |
| Retained earnings to average equity (ytd only) | 4.9554% | 2,788 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9228% | 3,142 |
| Assets per employee ($millions) | 6.1484% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5998% | 4,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.3716% | 1,495 |
| Net loans and leases to deposits | 106.1168% | 333 |
| Net loans and leases to core deposits | 110.0174% | 975 |
| Total domestic deposits to total assets | 71.9694% | 4,976 |
| Equity capital to assets | 20.4081% | 234 |
| Core capital (leverage) ratio | 20.5507% | 218 |
| Tier 1 risk-based capital ratio | 35.5349% | 323 |
| Total risk-based capital ratio | 36.3373% | 330 |
| Memoranda: | ||
| Average total assets | $54,684,670 | 4,778 |
| Average earning assets | $52,327,670 | 4,739 |
| Average equity | $11,139,330 | 4,152 |
| Average total loans | $43,358,330 | 4,407 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 3,275 |
| Cost of funding earning assets | 0.5918% | 3,619 |
| Net interest margin | 3.7969% | 2,535 |
| Noninterest income to average assets | 0.0294% | 5,262 |
| Noninterest expense to average assets | 2.3841% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0008% | 2,837 |
| Return on assets (ROA) | 1.0008% | 2,879 |
| Pretax return on assets | 1.2804% | 2,528 |
| Return on Equity (ROE) | 4.9175% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.9175% | 2,940 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0602% | 3,075 |
| Assets per employee ($millions) | 6.8718% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 4,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.7809% | 1,020 |
| Net loans and leases to deposits | 109.2696% | 234 |
| Net loans and leases to core deposits | 111.1171% | 874 |
| Total domestic deposits to total assets | 72.0977% | 5,040 |
| Equity capital to assets | 20.2568% | 229 |
| Core capital (leverage) ratio | 20.3848% | 226 |
| Tier 1 risk-based capital ratio | 34.3661% | 345 |
| Total risk-based capital ratio | 35.1531% | 348 |
| Memoranda: | ||
| Average total assets | $54,359,000 | 4,835 |
| Average earning assets | $52,042,500 | 4,796 |
| Average equity | $11,062,500 | 4,182 |
| Average total loans | $43,779,500 | 4,435 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,751 |
| Cost of funding earning assets | 0.4243% | 3,830 |
| Net interest margin | 3.6725% | 3,150 |
| Noninterest income to average assets | 0.0309% | 5,302 |
| Noninterest expense to average assets | 2.4082% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8227% | 3,719 |
| Return on assets (ROA) | 0.8227% | 3,718 |
| Pretax return on assets | 1.1049% | 3,247 |
| Return on Equity (ROE) | 4.2120% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.2120% | 3,235 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5492% | 2,460 |
| Assets per employee ($millions) | 5.9716% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5796% | 5,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.3858% | 752 |
| Net loans and leases to deposits | 113.2398% | 174 |
| Net loans and leases to core deposits | 115.1992% | 725 |
| Total domestic deposits to total assets | 71.8703% | 5,079 |
| Equity capital to assets | 20.4469% | 210 |
| Core capital (leverage) ratio | 20.6646% | 210 |
| Tier 1 risk-based capital ratio | 33.7521% | 348 |
| Total risk-based capital ratio | 34.5353% | 348 |
| Memoranda: | ||
| Average total assets | $54,938,000 | 4,857 |
| Average earning assets | $52,089,600 | 4,819 |
| Average equity | $10,731,200 | 4,202 |
| Average total loans | $42,775,800 | 4,477 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,802 |
| Cost of funding earning assets | 0.4109% | 3,784 |
| Net interest margin | 3.6344% | 3,256 |
| Noninterest income to average assets | 0.0290% | 5,384 |
| Noninterest expense to average assets | 2.3269% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8376% | 3,785 |
| Return on assets (ROA) | 0.8376% | 3,792 |
| Pretax return on assets | 1.1393% | 3,248 |
| Return on Equity (ROE) | 4.3374% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.3374% | 3,589 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1309% | 2,694 |
| Assets per employee ($millions) | 5.9079% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 5,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.1277% | 1,142 |
| Net loans and leases to deposits | 110.2080% | 280 |
| Net loans and leases to core deposits | 112.8992% | 871 |
| Total domestic deposits to total assets | 71.7985% | 5,145 |
| Equity capital to assets | 20.4322% | 219 |
| Core capital (leverage) ratio | 19.9926% | 232 |
| Tier 1 risk-based capital ratio | 34.2962% | 337 |
| Total risk-based capital ratio | 35.1012% | 343 |
| Memoranda: | ||
| Average total assets | $55,236,500 | 4,905 |
| Average earning assets | $52,240,000 | 4,868 |
| Average equity | $10,666,750 | 4,245 |
| Average total loans | $42,471,000 | 4,534 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 3,881 |
| Cost of funding earning assets | 0.4062% | 3,676 |
| Net interest margin | 3.5607% | 3,433 |
| Noninterest income to average assets | 0.0286% | 5,445 |
| Noninterest expense to average assets | 2.3031% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7689% | 3,963 |
| Return on assets (ROA) | 0.7689% | 3,968 |
| Pretax return on assets | 1.0800% | 3,386 |
| Return on Equity (ROE) | 4.0562% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.0562% | 3,583 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0761% | 2,633 |
| Assets per employee ($millions) | 6.1426% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 5,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.4228% | 1,735 |
| Net loans and leases to deposits | 103.0447% | 588 |
| Net loans and leases to core deposits | 107.2759% | 1,165 |
| Total domestic deposits to total assets | 73.1943% | 5,107 |
| Equity capital to assets | 19.3911% | 249 |
| Core capital (leverage) ratio | 19.4161% | 248 |
| Tier 1 risk-based capital ratio | 33.7436% | 354 |
| Total risk-based capital ratio | 34.5463% | 357 |
| Memoranda: | ||
| Average total assets | $55,925,000 | 4,943 |
| Average earning assets | $52,685,670 | 4,917 |
| Average equity | $10,601,000 | 4,292 |
| Average total loans | $42,518,670 | 4,575 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,762 |
| Cost of funding earning assets | 0.4035% | 3,551 |
| Net interest margin | 3.5553% | 3,327 |
| Noninterest income to average assets | 0.0213% | 5,530 |
| Noninterest expense to average assets | 2.3113% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7325% | 3,975 |
| Return on assets (ROA) | 0.7325% | 3,980 |
| Pretax return on assets | 1.0312% | 3,423 |
| Return on Equity (ROE) | 3.9084% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.9084% | 3,631 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1489% | 2,638 |
| Assets per employee ($millions) | 6.2811% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 5,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.1884% | 1,672 |
| Net loans and leases to deposits | 101.5821% | 606 |
| Net loans and leases to core deposits | 106.4463% | 1,203 |
| Total domestic deposits to total assets | 74.0173% | 5,156 |
| Equity capital to assets | 18.7476% | 264 |
| Core capital (leverage) ratio | 18.8744% | 258 |
| Tier 1 risk-based capital ratio | 32.8345% | 381 |
| Total risk-based capital ratio | 33.6246% | 389 |
| Memoranda: | ||
| Average total assets | $56,246,000 | 4,998 |
| Average earning assets | $52,542,000 | 4,982 |
| Average equity | $10,541,500 | 4,347 |
| Average total loans | $42,802,500 | 4,620 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,006 |
| Cost of funding earning assets | 0.4525% | 2,753 |
| Net interest margin | 3.3612% | 3,969 |
| Noninterest income to average assets | 0.0269% | 5,574 |
| Noninterest expense to average assets | 2.1903% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3886% | 4,733 |
| Return on assets (ROA) | 0.3886% | 4,741 |
| Pretax return on assets | 0.9492% | 3,740 |
| Return on Equity (ROE) | 2.0880% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.0880% | 4,070 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7661% | 2,600 |
| Assets per employee ($millions) | 6.2180% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 5,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.1070% | 1,571 |
| Net loans and leases to deposits | 102.7800% | 561 |
| Net loans and leases to core deposits | 108.1786% | 1,112 |
| Total domestic deposits to total assets | 74.0485% | 5,178 |
| Equity capital to assets | 18.7359% | 264 |
| Core capital (leverage) ratio | 18.4846% | 263 |
| Tier 1 risk-based capital ratio | 32.2506% | 386 |
| Total risk-based capital ratio | 33.0350% | 393 |
| Memoranda: | ||
| Average total assets | $55,837,400 | 5,047 |
| Average earning assets | $51,707,200 | 5,036 |
| Average equity | $10,392,600 | 4,392 |
| Average total loans | $41,983,400 | 4,667 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 4,095 |
| Cost of funding earning assets | 0.4634% | 2,584 |
| Net interest margin | 3.3085% | 4,142 |
| Noninterest income to average assets | 0.0263% | 5,641 |
| Noninterest expense to average assets | 2.1120% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6284% | 4,283 |
| Return on assets (ROA) | 0.6284% | 4,332 |
| Pretax return on assets | 0.9676% | 3,809 |
| Return on Equity (ROE) | 3.3816% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.3816% | 3,914 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5803% | 2,771 |
| Assets per employee ($millions) | 6.2734% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5971% | 5,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 75.1846% | 1,730 |
| Net loans and leases to deposits | 101.3175% | 656 |
| Net loans and leases to core deposits | 107.2593% | 1,187 |
| Total domestic deposits to total assets | 74.2070% | 5,218 |
| Equity capital to assets | 18.6323% | 289 |
| Core capital (leverage) ratio | 18.9451% | 254 |
| Tier 1 risk-based capital ratio | 32.1035% | 416 |
| Total risk-based capital ratio | 32.8817% | 426 |
| Memoranda: | ||
| Average total assets | $55,806,250 | 5,105 |
| Average earning assets | $51,502,500 | 5,095 |
| Average equity | $10,369,500 | 4,438 |
| Average total loans | $41,767,750 | 4,724 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,081 |
| Cost of funding earning assets | 0.4852% | 2,288 |
| Net interest margin | 3.2633% | 4,229 |
| Noninterest income to average assets | 0.0252% | 5,694 |
| Noninterest expense to average assets | 2.1120% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5937% | 4,336 |
| Return on assets (ROA) | 0.5937% | 4,382 |
| Pretax return on assets | 0.9139% | 3,886 |
| Return on Equity (ROE) | 3.1979% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.1979% | 3,812 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7979% | 2,703 |
| Assets per employee ($millions) | 5.9667% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6043% | 5,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.1080% | 1,232 |
| Net loans and leases to deposits | 106.9045% | 362 |
| Net loans and leases to core deposits | 112.8376% | 860 |
| Total domestic deposits to total assets | 73.0633% | 5,382 |
| Equity capital to assets | 19.3911% | 247 |
| Core capital (leverage) ratio | 19.0195% | 239 |
| Tier 1 risk-based capital ratio | 32.6140% | 382 |
| Total risk-based capital ratio | 33.4127% | 388 |
| Memoranda: | ||
| Average total assets | $55,588,000 | 5,145 |
| Average earning assets | $51,114,670 | 5,136 |
| Average equity | $10,319,330 | 4,465 |
| Average total loans | $41,455,330 | 4,762 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 4,277 |
| Cost of funding earning assets | 0.5162% | 1,963 |
| Net interest margin | 3.1356% | 4,545 |
| Noninterest income to average assets | 0.0283% | 5,764 |
| Noninterest expense to average assets | 2.0661% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5519% | 4,371 |
| Return on assets (ROA) | 0.5519% | 4,415 |
| Pretax return on assets | 0.8420% | 3,965 |
| Return on Equity (ROE) | 3.0372% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.0372% | 3,895 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0462% | 2,725 |
| Assets per employee ($millions) | 6.9490% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 5,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.2192% | 1,871 |
| Net loans and leases to deposits | 103.6569% | 415 |
| Net loans and leases to core deposits | 109.3899% | 906 |
| Total domestic deposits to total assets | 70.6361% | 5,606 |
| Equity capital to assets | 18.5566% | 273 |
| Core capital (leverage) ratio | 18.2872% | 270 |
| Tier 1 risk-based capital ratio | 32.5231% | 397 |
| Total risk-based capital ratio | 33.3270% | 405 |
| Memoranda: | ||
| Average total assets | $56,532,000 | 5,181 |
| Average earning assets | $51,919,500 | 5,173 |
| Average equity | $10,272,500 | 4,499 |
| Average total loans | $41,083,500 | 4,810 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 4,271 |
| Cost of funding earning assets | 0.5086% | 2,025 |
| Net interest margin | 3.1727% | 4,530 |
| Noninterest income to average assets | -0.0786% | 5,885 |
| Noninterest expense to average assets | 3.2034% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2339% | 5,724 |
| Return on assets (ROA) | -0.2339% | 5,734 |
| Pretax return on assets | -0.3411% | 5,748 |
| Return on Equity (ROE) | -1.3011% | 5,719 |
| Retained earnings to average equity (ytd only) | -6.5652% | 5,720 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9152% | 117 |
| Assets per employee ($millions) | 7.1840% | 841 |
| Cash dividends to net income (ytd only)* | -404.5802% | 5,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 5,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.2573% | 2,295 |
| Net loans and leases to deposits | 101.6733% | 556 |
| Net loans and leases to core deposits | 107.1339% | 1,058 |
| Total domestic deposits to total assets | 70.0846% | 5,663 |
| Equity capital to assets | 17.7982% | 317 |
| Core capital (leverage) ratio | 17.7064% | 302 |
| Tier 1 risk-based capital ratio | 32.6149% | 390 |
| Total risk-based capital ratio | 33.4279% | 397 |
| Memoranda: | ||
| Average total assets | $56,003,200 | 5,230 |
| Average earning assets | $51,911,600 | 5,209 |
| Average equity | $10,068,200 | 4,559 |
| Average total loans | $41,628,400 | 4,827 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,319 |
| Cost of funding earning assets | 0.4999% | 2,102 |
| Net interest margin | 3.1801% | 4,539 |
| Noninterest income to average assets | -0.1150% | 5,960 |
| Noninterest expense to average assets | 3.5803% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.4937% | 5,855 |
| Return on assets (ROA) | -0.4937% | 5,859 |
| Pretax return on assets | -0.7381% | 5,881 |
| Return on Equity (ROE) | -2.7389% | 5,829 |
| Retained earnings to average equity (ytd only) | -9.7857% | 5,846 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.9696% | 69 |
| Assets per employee ($millions) | 7.1863% | 822 |
| Cash dividends to net income (ytd only)* | -257.2817% | 5,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6051% | 5,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.8579% | 2,040 |
| Net loans and leases to deposits | 103.7347% | 473 |
| Net loans and leases to core deposits | 108.8938% | 996 |
| Total domestic deposits to total assets | 70.2348% | 5,681 |
| Equity capital to assets | 17.6465% | 376 |
| Core capital (leverage) ratio | 18.0548% | 300 |
| Tier 1 risk-based capital ratio | 31.7637% | 420 |
| Total risk-based capital ratio | 32.5621% | 430 |
| Memoranda: | ||
| Average total assets | $55,636,000 | 5,281 |
| Average earning assets | $51,737,750 | 5,263 |
| Average equity | $10,028,000 | 4,610 |
| Average total loans | $41,733,500 | 4,865 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,297 |
| Cost of funding earning assets | 0.4959% | 2,135 |
| Net interest margin | 3.2057% | 4,524 |
| Noninterest income to average assets | 0.0254% | 5,963 |
| Noninterest expense to average assets | 2.4756% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3453% | 5,194 |
| Return on assets (ROA) | 0.3453% | 5,277 |
| Pretax return on assets | 0.5344% | 5,061 |
| Return on Equity (ROE) | 1.9021% | 5,527 |
| Retained earnings to average equity (ytd only) | -8.7096% | 5,855 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2464% | 1,242 |
| Assets per employee ($millions) | 6.7706% | 967 |
| Cash dividends to net income (ytd only)* | 557.8947% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6103% | 5,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 76.6694% | 1,390 |
| Net loans and leases to deposits | 113.5824% | 181 |
| Net loans and leases to core deposits | 115.3748% | 660 |
| Total domestic deposits to total assets | 67.5012% | 5,850 |
| Equity capital to assets | 18.5895% | 287 |
| Core capital (leverage) ratio | 19.0544% | 229 |
| Tier 1 risk-based capital ratio | 33.0452% | 382 |
| Total risk-based capital ratio | 33.8525% | 388 |
| Memoranda: | ||
| Average total assets | $55,018,000 | 5,350 |
| Average earning assets | $51,221,000 | 5,333 |
| Average equity | $9,989,000 | 4,645 |
| Average total loans | $41,597,670 | 4,913 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,458 |
| Cost of funding earning assets | 0.4936% | 2,156 |
| Net interest margin | 3.1621% | 4,699 |
| Noninterest income to average assets | 0.0216% | 6,035 |
| Noninterest expense to average assets | 2.5178% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2958% | 5,319 |
| Return on assets (ROA) | 0.2958% | 5,396 |
| Pretax return on assets | 0.4617% | 5,179 |
| Return on Equity (ROE) | 1.6484% | 5,590 |
| Retained earnings to average equity (ytd only) | -19.6603% | 5,962 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5036% | 1,112 |
| Assets per employee ($millions) | 6.9880% | 902 |
| Cash dividends to net income (ytd only)* | 1,292.6829% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6149% | 5,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.7210% | 1,772 |
| Net loans and leases to deposits | 107.6845% | 293 |
| Net loans and leases to core deposits | 109.3038% | 888 |
| Total domestic deposits to total assets | 68.4602% | 5,913 |
| Equity capital to assets | 17.3655% | 389 |
| Core capital (leverage) ratio | 18.8367% | 242 |
| Tier 1 risk-based capital ratio | 32.6721% | 405 |
| Total risk-based capital ratio | 33.4750% | 416 |
| Memoranda: | ||
| Average total assets | $55,444,500 | 5,393 |
| Average earning assets | $51,863,500 | 5,366 |
| Average equity | $9,949,000 | 4,667 |
| Average total loans | $41,505,000 | 4,952 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 3,720 |
| Cost of funding earning assets | 0.5176% | 2,012 |
| Net interest margin | 3.3787% | 3,997 |
| Noninterest income to average assets | 0.0207% | 6,065 |
| Noninterest expense to average assets | 2.4149% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4724% | 4,800 |
| Return on assets (ROA) | 0.4724% | 4,881 |
| Pretax return on assets | 0.7265% | 4,448 |
| Return on Equity (ROE) | 2.4614% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.4614% | 4,319 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8724% | 2,135 |
| Assets per employee ($millions) | 6.8731% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 5,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 75.0878% | 1,557 |
| Net loans and leases to deposits | 112.7660% | 185 |
| Net loans and leases to core deposits | 114.5334% | 655 |
| Total domestic deposits to total assets | 66.5873% | 6,007 |
| Equity capital to assets | 18.5323% | 276 |
| Core capital (leverage) ratio | 20.0299% | 198 |
| Tier 1 risk-based capital ratio | 34.1253% | 357 |
| Total risk-based capital ratio | 34.9268% | 369 |
| Memoranda: | ||
| Average total assets | $53,128,600 | 5,481 |
| Average earning assets | $49,072,200 | 5,460 |
| Average equity | $10,197,400 | 4,621 |
| Average total loans | $41,948,800 | 4,934 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,584 |
| Cost of funding earning assets | 0.5217% | 2,027 |
| Net interest margin | 3.4186% | 3,875 |
| Noninterest income to average assets | 0.0203% | 6,155 |
| Noninterest expense to average assets | 2.3494% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5342% | 4,662 |
| Return on assets (ROA) | 0.5342% | 4,759 |
| Pretax return on assets | 0.8228% | 4,262 |
| Return on Equity (ROE) | 2.7583% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.7583% | 4,462 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0623% | 2,542 |
| Assets per employee ($millions) | 6.6306% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6050% | 5,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.9726% | 960 |
| Net loans and leases to deposits | 120.8662% | 96 |
| Net loans and leases to core deposits | 122.8655% | 403 |
| Total domestic deposits to total assets | 65.3389% | 6,108 |
| Equity capital to assets | 19.1196% | 276 |
| Core capital (leverage) ratio | 20.2989% | 194 |
| Tier 1 risk-based capital ratio | 34.5942% | 357 |
| Total risk-based capital ratio | 35.4103% | 372 |
| Memoranda: | ||
| Average total assets | $52,664,500 | 5,558 |
| Average earning assets | $48,556,750 | 5,541 |
| Average equity | $10,199,250 | 4,677 |
| Average total loans | $42,050,500 | 4,990 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 3,540 |
| Cost of funding earning assets | 0.5202% | 2,069 |
| Net interest margin | 3.4184% | 3,838 |
| Noninterest income to average assets | 0.0191% | 6,230 |
| Noninterest expense to average assets | 2.3174% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5603% | 4,520 |
| Return on assets (ROA) | 0.5603% | 4,624 |
| Pretax return on assets | 0.8576% | 4,097 |
| Return on Equity (ROE) | 2.8454% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.8454% | 4,227 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9892% | 2,843 |
| Assets per employee ($millions) | 5.9213% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 5,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.8636% | 954 |
| Net loans and leases to deposits | 119.3536% | 102 |
| Net loans and leases to core deposits | 120.4172% | 458 |
| Total domestic deposits to total assets | 66.0756% | 6,165 |
| Equity capital to assets | 19.5376% | 243 |
| Core capital (leverage) ratio | 20.2097% | 193 |
| Tier 1 risk-based capital ratio | 33.6931% | 400 |
| Total risk-based capital ratio | 34.4933% | 413 |
| Memoranda: | ||
| Average total assets | $52,473,670 | 5,627 |
| Average earning assets | $48,443,330 | 5,598 |
| Average equity | $10,332,330 | 4,682 |
| Average total loans | $42,018,670 | 5,030 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 3,264 |
| Cost of funding earning assets | 0.4998% | 2,280 |
| Net interest margin | 3.4901% | 3,476 |
| Noninterest income to average assets | 0.0154% | 6,301 |
| Noninterest expense to average assets | 2.3432% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5839% | 4,346 |
| Return on assets (ROA) | 0.5839% | 4,449 |
| Pretax return on assets | 0.8912% | 3,921 |
| Return on Equity (ROE) | 2.9536% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.9536% | 4,202 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4466% | 3,099 |
| Assets per employee ($millions) | 6.6640% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6104% | 6,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 77.8812% | 949 |
| Net loans and leases to deposits | 117.4773% | 120 |
| Net loans and leases to core deposits | 118.5168% | 442 |
| Total domestic deposits to total assets | 66.2946% | 6,239 |
| Equity capital to assets | 19.3840% | 250 |
| Core capital (leverage) ratio | 20.3420% | 195 |
| Tier 1 risk-based capital ratio | 33.9555% | 394 |
| Total risk-based capital ratio | 34.7678% | 399 |
| Memoranda: | ||
| Average total assets | $52,064,500 | 5,684 |
| Average earning assets | $48,021,000 | 5,659 |
| Average equity | $10,292,500 | 4,722 |
| Average total loans | $41,886,500 | 5,071 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 3,850 |
| Cost of funding earning assets | 0.5333% | 2,348 |
| Net interest margin | 3.4326% | 4,055 |
| Noninterest income to average assets | 0.0175% | 6,360 |
| Noninterest expense to average assets | 2.4102% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4965% | 4,824 |
| Return on assets (ROA) | 0.4801% | 4,983 |
| Pretax return on assets | 0.7347% | 4,495 |
| Return on Equity (ROE) | 2.4557% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.4557% | 4,480 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0270% | 2,505 |
| Assets per employee ($millions) | 6.3521% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 6,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 82.1438% | 506 |
| Net loans and leases to deposits | 119.8513% | 99 |
| Net loans and leases to core deposits | 120.9241% | 391 |
| Total domestic deposits to total assets | 68.5381% | 6,249 |
| Equity capital to assets | 20.1724% | 221 |
| Core capital (leverage) ratio | 20.8139% | 181 |
| Tier 1 risk-based capital ratio | 33.6987% | 379 |
| Total risk-based capital ratio | 34.5111% | 380 |
| Memoranda: | ||
| Average total assets | $51,448,400 | 5,755 |
| Average earning assets | $47,252,800 | 5,749 |
| Average equity | $10,058,400 | 4,740 |
| Average total loans | $40,563,800 | 5,155 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 4,074 |
| Cost of funding earning assets | 0.5543% | 2,247 |
| Net interest margin | 3.3710% | 4,354 |
| Noninterest income to average assets | 0.0181% | 6,440 |
| Noninterest expense to average assets | 2.4415% | 4,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4378% | 5,117 |
| Return on assets (ROA) | 0.4160% | 5,264 |
| Pretax return on assets | 0.6381% | 4,911 |
| Return on Equity (ROE) | 2.1444% | 5,804 |
| Retained earnings to average equity (ytd only) | 2.1444% | 4,986 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4232% | 2,118 |
| Assets per employee ($millions) | 6.3416% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 6,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 81.9407% | 516 |
| Net loans and leases to deposits | 119.3026% | 105 |
| Net loans and leases to core deposits | 120.3666% | 391 |
| Total domestic deposits to total assets | 68.6831% | 6,323 |
| Equity capital to assets | 20.0225% | 234 |
| Core capital (leverage) ratio | 20.6651% | 191 |
| Tier 1 risk-based capital ratio | 33.2266% | 409 |
| Total risk-based capital ratio | 34.0348% | 410 |
| Memoranda: | ||
| Average total assets | $51,606,250 | 5,813 |
| Average earning assets | $47,383,250 | 5,807 |
| Average equity | $10,010,250 | 4,781 |
| Average total loans | $40,205,250 | 5,233 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 4,262 |
| Cost of funding earning assets | 0.5768% | 2,101 |
| Net interest margin | 3.2927% | 4,622 |
| Noninterest income to average assets | 0.0154% | 6,520 |
| Noninterest expense to average assets | 2.5435% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3139% | 5,522 |
| Return on assets (ROA) | 0.2813% | 5,699 |
| Pretax return on assets | 0.4355% | 5,463 |
| Return on Equity (ROE) | 1.4657% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.4657% | 5,159 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9695% | 1,520 |
| Assets per employee ($millions) | 5.8336% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 6,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.1723% | 1,138 |
| Net loans and leases to deposits | 115.1114% | 130 |
| Net loans and leases to core deposits | 116.1410% | 473 |
| Total domestic deposits to total assets | 66.1727% | 6,477 |
| Equity capital to assets | 19.1669% | 253 |
| Core capital (leverage) ratio | 19.7878% | 208 |
| Tier 1 risk-based capital ratio | 33.7810% | 381 |
| Total risk-based capital ratio | 34.6101% | 391 |
| Memoranda: | ||
| Average total assets | $51,897,330 | 5,858 |
| Average earning assets | $47,499,670 | 5,848 |
| Average equity | $9,961,000 | 4,814 |
| Average total loans | $39,665,000 | 5,291 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 4,100 |
| Cost of funding earning assets | 0.6182% | 1,831 |
| Net interest margin | 3.2775% | 4,632 |
| Noninterest income to average assets | 0.0155% | 6,580 |
| Noninterest expense to average assets | 2.5274% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3126% | 5,446 |
| Return on assets (ROA) | 0.2481% | 5,714 |
| Pretax return on assets | 0.3876% | 5,493 |
| Return on Equity (ROE) | 1.2916% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.2916% | 5,101 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8046% | 1,695 |
| Assets per employee ($millions) | 5.7862% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6472% | 6,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 75.1671% | 1,104 |
| Net loans and leases to deposits | 113.7609% | 106 |
| Net loans and leases to core deposits | 114.7851% | 438 |
| Total domestic deposits to total assets | 66.0746% | 6,556 |
| Equity capital to assets | 19.0760% | 255 |
| Core capital (leverage) ratio | 19.8575% | 213 |
| Tier 1 risk-based capital ratio | 33.7610% | 392 |
| Total risk-based capital ratio | 34.5935% | 399 |
| Memoranda: | ||
| Average total assets | $51,595,000 | 5,921 |
| Average earning assets | $47,231,000 | 5,912 |
| Average equity | $9,910,000 | 4,841 |
| Average total loans | $39,374,000 | 5,345 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 4,044 |
| Cost of funding earning assets | 0.6958% | 1,846 |
| Net interest margin | 3.3172% | 4,601 |
| Noninterest income to average assets | 0.0143% | 6,620 |
| Noninterest expense to average assets | 2.4585% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3781% | 5,231 |
| Return on assets (ROA) | 0.3781% | 5,345 |
| Pretax return on assets | 0.5763% | 4,948 |
| Return on Equity (ROE) | 1.9014% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.9014% | 4,878 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0101% | 2,022 |
| Assets per employee ($millions) | 6.3893% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 6,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 76.4839% | 1,004 |
| Net loans and leases to deposits | 120.0491% | 68 |
| Net loans and leases to core deposits | 124.1552% | 267 |
| Total domestic deposits to total assets | 63.7105% | 6,673 |
| Equity capital to assets | 19.3411% | 242 |
| Core capital (leverage) ratio | 20.1373% | 192 |
| Tier 1 risk-based capital ratio | 33.8496% | 368 |
| Total risk-based capital ratio | 34.6882% | 375 |
| Memoranda: | ||
| Average total assets | $48,933,200 | 6,040 |
| Average earning assets | $44,555,000 | 6,036 |
| Average equity | $9,729,600 | 4,915 |
| Average total loans | $37,603,000 | 5,439 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 4,091 |
| Cost of funding earning assets | 0.7070% | 1,905 |
| Net interest margin | 3.3026% | 4,629 |
| Noninterest income to average assets | 0.0138% | 6,709 |
| Noninterest expense to average assets | 2.4441% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3830% | 5,316 |
| Return on assets (ROA) | 0.3830% | 5,454 |
| Pretax return on assets | 0.5814% | 5,090 |
| Return on Equity (ROE) | 1.9125% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.9125% | 5,172 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7832% | 2,001 |
| Assets per employee ($millions) | 6.0826% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6574% | 6,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.1887% | 630 |
| Net loans and leases to deposits | 119.9427% | 67 |
| Net loans and leases to core deposits | 124.0951% | 260 |
| Total domestic deposits to total assets | 66.0221% | 6,706 |
| Equity capital to assets | 20.2133% | 205 |
| Core capital (leverage) ratio | 21.0497% | 160 |
| Tier 1 risk-based capital ratio | 34.6398% | 349 |
| Total risk-based capital ratio | 35.5022% | 355 |
| Memoranda: | ||
| Average total assets | $48,388,000 | 6,129 |
| Average earning assets | $44,125,750 | 6,122 |
| Average equity | $9,690,500 | 4,976 |
| Average total loans | $37,166,500 | 5,507 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 4,068 |
| Cost of funding earning assets | 0.7183% | 1,932 |
| Net interest margin | 3.2912% | 4,619 |
| Noninterest income to average assets | 0.0124% | 6,764 |
| Noninterest expense to average assets | 2.4722% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3561% | 5,382 |
| Return on assets (ROA) | 0.3561% | 5,559 |
| Pretax return on assets | 0.5383% | 5,243 |
| Return on Equity (ROE) | 1.7839% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.7839% | 5,122 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1183% | 1,872 |
| Assets per employee ($millions) | 6.0555% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 6,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 75.9041% | 996 |
| Net loans and leases to deposits | 114.7408% | 92 |
| Net loans and leases to core deposits | 117.5619% | 363 |
| Total domestic deposits to total assets | 66.1527% | 6,757 |
| Equity capital to assets | 20.1821% | 198 |
| Core capital (leverage) ratio | 21.0222% | 144 |
| Tier 1 risk-based capital ratio | 35.3832% | 330 |
| Total risk-based capital ratio | 36.2692% | 329 |
| Memoranda: | ||
| Average total assets | $48,297,000 | 6,171 |
| Average earning assets | $43,995,670 | 6,158 |
| Average equity | $9,642,000 | 5,022 |
| Average total loans | $36,625,670 | 5,555 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 4,028 |
| Cost of funding earning assets | 0.7157% | 2,087 |
| Net interest margin | 3.3067% | 4,493 |
| Noninterest income to average assets | 0.0166% | 6,819 |
| Noninterest expense to average assets | 2.5548% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3235% | 5,476 |
| Return on assets (ROA) | 0.3235% | 5,609 |
| Pretax return on assets | 0.4894% | 5,299 |
| Return on Equity (ROE) | 1.6293% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.6293% | 5,167 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9237% | 1,779 |
| Assets per employee ($millions) | 6.1088% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 6,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 73.5666% | 1,138 |
| Net loans and leases to deposits | 111.4065% | 110 |
| Net loans and leases to core deposits | 114.1188% | 385 |
| Total domestic deposits to total assets | 66.0344% | 6,844 |
| Equity capital to assets | 19.6358% | 232 |
| Core capital (leverage) ratio | 20.7428% | 164 |
| Tier 1 risk-based capital ratio | 35.7188% | 325 |
| Total risk-based capital ratio | 36.6173% | 330 |
| Memoranda: | ||
| Average total assets | $48,223,500 | 6,235 |
| Average earning assets | $44,153,000 | 6,208 |
| Average equity | $9,574,500 | 5,095 |
| Average total loans | $36,425,500 | 5,598 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 4,173 |
| Cost of funding earning assets | 0.8849% | 2,033 |
| Net interest margin | 3.4196% | 4,817 |
| Noninterest income to average assets | 0.1394% | 6,340 |
| Noninterest expense to average assets | 2.4476% | 5,261 |
| Loan and lease loss provision to assets | 0.0414% | 5,344 |
| Net operating income to assets | 0.5379% | 4,524 |
| Return on assets (ROA) | 0.5379% | 4,783 |
| Pretax return on assets | 0.8144% | 4,242 |
| Return on Equity (ROE) | 2.5986% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.5986% | 4,401 |
| Net charge-offs to loans | 0.0389% | 5,374 |
| Credit loss provision to net charge-offs | 135.7143% | 2,048 |
| Earnings coverage of net charge-offs (x) | 28.0714% | 1,053 |
| Efficiency ratio | 74.0936% | 3,053 |
| Assets per employee ($millions) | 5.9471% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 6,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.4844% | 857 |
| Net loans and leases to deposits | 116.7399% | 92 |
| Net loans and leases to core deposits | 119.6849% | 290 |
| Total domestic deposits to total assets | 65.5170% | 6,907 |
| Equity capital to assets | 20.0790% | 218 |
| Core capital (leverage) ratio | 21.2149% | 154 |
| Tier 1 risk-based capital ratio | 35.9886% | 315 |
| Total risk-based capital ratio | 36.9014% | 322 |
| Memoranda: | ||
| Average total assets | $45,923,000 | 6,329 |
| Average earning assets | $42,490,000 | 6,289 |
| Average equity | $9,505,200 | 5,109 |
| Average total loans | $35,948,000 | 5,681 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 4,091 |
| Cost of funding earning assets | 0.9239% | 2,021 |
| Net interest margin | 3.4677% | 4,768 |
| Noninterest income to average assets | 0.0088% | 6,910 |
| Noninterest expense to average assets | 2.4082% | 5,367 |
| Loan and lease loss provision to assets | 0.0557% | 5,041 |
| Net operating income to assets | 0.5010% | 4,841 |
| Return on assets (ROA) | 0.5010% | 5,106 |
| Pretax return on assets | 0.7559% | 4,653 |
| Return on Equity (ROE) | 2.4016% | 5,916 |
| Retained earnings to average equity (ytd only) | 2.4016% | 5,131 |
| Net charge-offs to loans | 0.0522% | 4,926 |
| Credit loss provision to net charge-offs | 135.7143% | 2,125 |
| Earnings coverage of net charge-offs (x) | 19.7815% | 1,477 |
| Efficiency ratio | 74.7953% | 2,860 |
| Assets per employee ($millions) | 5.6904% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 6,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 76.7568% | 871 |
| Net loans and leases to deposits | 119.5334% | 79 |
| Net loans and leases to core deposits | 122.7456% | 268 |
| Total domestic deposits to total assets | 64.2137% | 7,013 |
| Equity capital to assets | 20.8159% | 210 |
| Core capital (leverage) ratio | 21.9962% | 143 |
| Tier 1 risk-based capital ratio | 37.2706% | 310 |
| Total risk-based capital ratio | 38.2347% | 305 |
| Memoranda: | ||
| Average total assets | $45,509,500 | 6,408 |
| Average earning assets | $42,140,750 | 6,368 |
| Average equity | $9,493,250 | 5,153 |
| Average total loans | $35,774,000 | 5,760 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 3,945 |
| Cost of funding earning assets | 0.9591% | 2,001 |
| Net interest margin | 3.4994% | 4,671 |
| Noninterest income to average assets | 0.0088% | 6,970 |
| Noninterest expense to average assets | 2.3338% | 5,652 |
| Loan and lease loss provision to assets | 0.0835% | 4,551 |
| Net operating income to assets | 0.5494% | 4,588 |
| Return on assets (ROA) | 0.5494% | 4,865 |
| Pretax return on assets | 0.8307% | 4,354 |
| Return on Equity (ROE) | 2.6319% | 5,832 |
| Retained earnings to average equity (ytd only) | 2.6319% | 4,865 |
| Net charge-offs to loans | 0.0779% | 4,369 |
| Credit loss provision to net charge-offs | 135.7143% | 2,028 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,683 |
| Efficiency ratio | 71.8539% | 3,453 |
| Assets per employee ($millions) | 5.6330% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 6,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 78.7547% | 646 |
| Net loans and leases to deposits | 122.6924% | 65 |
| Net loans and leases to core deposits | 126.0209% | 246 |
| Total domestic deposits to total assets | 64.1887% | 7,080 |
| Equity capital to assets | 20.9058% | 203 |
| Core capital (leverage) ratio | 22.1051% | 132 |
| Tier 1 risk-based capital ratio | 37.2165% | 299 |
| Total risk-based capital ratio | 38.1730% | 297 |
| Memoranda: | ||
| Average total assets | $45,505,000 | 6,448 |
| Average earning assets | $42,122,000 | 6,413 |
| Average equity | $9,499,000 | 5,155 |
| Average total loans | $35,966,330 | 5,785 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 4,012 |
| Cost of funding earning assets | 0.9781% | 2,116 |
| Net interest margin | 3.4985% | 4,708 |
| Noninterest income to average assets | 0.0087% | 7,076 |
| Noninterest expense to average assets | 2.2395% | 5,941 |
| Loan and lease loss provision to assets | 0.1662% | 3,312 |
| Net operating income to assets | 0.5686% | 4,497 |
| Return on assets (ROA) | 0.5686% | 4,725 |
| Pretax return on assets | 0.8573% | 4,199 |
| Return on Equity (ROE) | 2.7259% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.7259% | 4,895 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6327% | 4,046 |
| Assets per employee ($millions) | 5.7096% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 6,817 |
| Loan loss allowance to noncurrent loans | 368.4932% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 6,490 |
| Noncurrent loans to loans | 0.2034% | 6,275 |
| Net loans and leases to total assets | 77.9911% | 588 |
| Net loans and leases to deposits | 123.6987% | 58 |
| Net loans and leases to core deposits | 127.0607% | 222 |
| Total domestic deposits to total assets | 63.0492% | 7,154 |
| Equity capital to assets | 20.9580% | 185 |
| Core capital (leverage) ratio | 21.6661% | 140 |
| Tier 1 risk-based capital ratio | 36.9185% | 289 |
| Total risk-based capital ratio | 37.9295% | 291 |
| Memoranda: | ||
| Average total assets | $45,725,500 | 6,490 |
| Average earning assets | $42,532,000 | 6,440 |
| Average equity | $9,538,000 | 5,163 |
| Average total loans | $36,077,000 | 5,824 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 4,179 |
| Cost of funding earning assets | 1.1354% | 2,438 |
| Net interest margin | 3.5813% | 4,802 |
| Noninterest income to average assets | 0.0134% | 6,947 |
| Noninterest expense to average assets | 2.3267% | 5,983 |
| Loan and lease loss provision to assets | 0.1338% | 4,939 |
| Net operating income to assets | 0.6157% | 3,915 |
| Return on assets (ROA) | 0.6157% | 4,109 |
| Pretax return on assets | 0.9302% | 3,511 |
| Return on Equity (ROE) | 2.9722% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.9722% | 4,119 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6184% | 4,226 |
| Assets per employee ($millions) | 6.5391% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6894% | 6,917 |
| Loan loss allowance to noncurrent loans | 142.0455% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 6,014 |
| Noncurrent loans to loans | 0.4854% | 5,741 |
| Net loans and leases to total assets | 78.6713% | 639 |
| Net loans and leases to deposits | 124.1673% | 73 |
| Net loans and leases to core deposits | 127.5177% | 264 |
| Total domestic deposits to total assets | 63.3591% | 7,184 |
| Equity capital to assets | 20.7607% | 194 |
| Core capital (leverage) ratio | 21.4690% | 153 |
| Tier 1 risk-based capital ratio | 37.1335% | 288 |
| Total risk-based capital ratio | 38.0781% | 290 |
| Memoranda: | ||
| Average total assets | $44,828,400 | 6,515 |
| Average earning assets | $42,275,600 | 6,456 |
| Average equity | $9,286,000 | 5,210 |
| Average total loans | $37,078,800 | 5,831 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 4,118 |
| Cost of funding earning assets | 1.1473% | 2,650 |
| Net interest margin | 3.6284% | 4,661 |
| Noninterest income to average assets | 0.0150% | 7,065 |
| Noninterest expense to average assets | 2.3232% | 5,972 |
| Loan and lease loss provision to assets | 0.1346% | 4,754 |
| Net operating income to assets | 0.6548% | 3,848 |
| Return on assets (ROA) | 0.6548% | 4,014 |
| Pretax return on assets | 0.9897% | 3,439 |
| Return on Equity (ROE) | 3.1629% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.1629% | 4,449 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3894% | 4,444 |
| Assets per employee ($millions) | 5.7955% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 7,035 |
| Loan loss allowance to noncurrent loans | 361.5385% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 6,690 |
| Noncurrent loans to loans | 0.1770% | 6,518 |
| Net loans and leases to total assets | 78.6904% | 642 |
| Net loans and leases to deposits | 127.5263% | 57 |
| Net loans and leases to core deposits | 131.0065% | 239 |
| Total domestic deposits to total assets | 61.7052% | 7,282 |
| Equity capital to assets | 20.3649% | 230 |
| Core capital (leverage) ratio | 21.0634% | 174 |
| Tier 1 risk-based capital ratio | 37.1802% | 299 |
| Total risk-based capital ratio | 38.0749% | 298 |
| Memoranda: | ||
| Average total assets | $44,592,000 | 6,572 |
| Average earning assets | $42,184,500 | 6,512 |
| Average equity | $9,231,750 | 5,252 |
| Average total loans | $37,283,250 | 5,870 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 3,812 |
| Cost of funding earning assets | 1.1503% | 2,898 |
| Net interest margin | 3.7097% | 4,215 |
| Noninterest income to average assets | 0.0182% | 7,152 |
| Noninterest expense to average assets | 2.4136% | 5,801 |
| Loan and lease loss provision to assets | 0.1364% | 4,601 |
| Net operating income to assets | 0.6545% | 3,776 |
| Return on assets (ROA) | 0.6545% | 3,900 |
| Pretax return on assets | 0.9863% | 3,286 |
| Return on Equity (ROE) | 3.1435% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.1435% | 4,274 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2519% | 4,471 |
| Assets per employee ($millions) | 5.5629% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 7,158 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 6,699 |
| Noncurrent loans to loans | 0.1855% | 6,532 |
| Net loans and leases to total assets | 84.2977% | 226 |
| Net loans and leases to deposits | 135.0870% | 46 |
| Net loans and leases to core deposits | 138.8827% | 192 |
| Total domestic deposits to total assets | 62.4025% | 7,345 |
| Equity capital to assets | 21.0300% | 211 |
| Core capital (leverage) ratio | 21.7640% | 165 |
| Tier 1 risk-based capital ratio | 37.2171% | 297 |
| Total risk-based capital ratio | 38.0625% | 299 |
| Memoranda: | ||
| Average total assets | $44,001,330 | 6,647 |
| Average earning assets | $41,729,000 | 6,576 |
| Average equity | $9,161,670 | 5,280 |
| Average total loans | $37,471,330 | 5,916 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 3,403 |
| Cost of funding earning assets | 1.1628% | 3,073 |
| Net interest margin | 3.7695% | 3,758 |
| Noninterest income to average assets | 0.0183% | 7,253 |
| Noninterest expense to average assets | 2.5051% | 5,530 |
| Loan and lease loss provision to assets | 0.1371% | 4,295 |
| Net operating income to assets | 0.6217% | 3,913 |
| Return on assets (ROA) | 0.6217% | 3,982 |
| Pretax return on assets | 0.9326% | 3,393 |
| Return on Equity (ROE) | 3.0012% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.0012% | 4,366 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0767% | 4,256 |
| Assets per employee ($millions) | 5.5150% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 7,249 |
| Loan loss allowance to noncurrent loans | 262.8205% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 6,716 |
| Noncurrent loans to loans | 0.2111% | 6,550 |
| Net loans and leases to total assets | 83.2865% | 259 |
| Net loans and leases to deposits | 133.7775% | 50 |
| Net loans and leases to core deposits | 137.5688% | 210 |
| Total domestic deposits to total assets | 62.2575% | 7,400 |
| Equity capital to assets | 20.6278% | 224 |
| Core capital (leverage) ratio | 21.7644% | 165 |
| Tier 1 risk-based capital ratio | 37.0619% | 299 |
| Total risk-based capital ratio | 37.8532% | 303 |
| Memoranda: | ||
| Average total assets | $43,750,500 | 6,702 |
| Average earning assets | $41,278,500 | 6,637 |
| Average equity | $9,063,000 | 5,303 |
| Average total loans | $37,339,500 | 5,976 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 4,664 |
| Cost of funding earning assets | 1.5973% | 2,088 |
| Net interest margin | 3.3804% | 5,699 |
| Noninterest income to average assets | -0.0294% | 7,334 |
| Noninterest expense to average assets | 2.2966% | 6,367 |
| Loan and lease loss provision to assets | 0.0452% | 6,714 |
| Net operating income to assets | 0.5312% | 3,961 |
| Return on assets (ROA) | 0.5312% | 4,116 |
| Pretax return on assets | 0.7957% | 3,656 |
| Return on Equity (ROE) | 2.7148% | 5,082 |
| Retained earnings to average equity (ytd only) | 2.7148% | 3,957 |
| Net charge-offs to loans | 0.0406% | 6,401 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 24.8000% | 849 |
| Efficiency ratio | 73.1988% | 3,557 |
| Assets per employee ($millions) | 5.4226% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5036% | 7,354 |
| Loan loss allowance to noncurrent loans | 211.1111% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 6,490 |
| Noncurrent loans to loans | 0.2385% | 6,583 |
| Net loans and leases to total assets | 86.5310% | 160 |
| Net loans and leases to deposits | 139.9993% | 44 |
| Net loans and leases to core deposits | 144.0611% | 198 |
| Total domestic deposits to total assets | 61.8082% | 7,485 |
| Equity capital to assets | 20.8040% | 219 |
| Core capital (leverage) ratio | 21.9645% | 169 |
| Tier 1 risk-based capital ratio | 36.7295% | 302 |
| Total risk-based capital ratio | 37.4619% | 309 |
| Memoranda: | ||
| Average total assets | $44,239,800 | 6,721 |
| Average earning assets | $41,445,400 | 6,659 |
| Average equity | $8,656,400 | 5,512 |
| Average total loans | $36,950,600 | 6,069 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 4,767 |
| Cost of funding earning assets | 1.7044% | 1,857 |
| Net interest margin | 3.3057% | 6,000 |
| Noninterest income to average assets | -0.0390% | 7,489 |
| Noninterest expense to average assets | 2.2104% | 6,579 |
| Loan and lease loss provision to assets | 0.0600% | 6,466 |
| Net operating income to assets | 0.5129% | 4,255 |
| Return on assets (ROA) | 0.5129% | 4,445 |
| Pretax return on assets | 0.7678% | 4,019 |
| Return on Equity (ROE) | 2.6621% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.6621% | 4,556 |
| Net charge-offs to loans | 0.0544% | 5,980 |
| Credit loss provision to net charge-offs | 133.3333% | 3,030 |
| Earnings coverage of net charge-offs (x) | 18.3995% | 1,261 |
| Efficiency ratio | 72.7542% | 3,565 |
| Assets per employee ($millions) | 5.4534% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5053% | 7,447 |
| Loan loss allowance to noncurrent loans | 202.1277% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 6,618 |
| Noncurrent loans to loans | 0.2500% | 6,678 |
| Net loans and leases to total assets | 85.7588% | 224 |
| Net loans and leases to deposits | 137.9623% | 50 |
| Net loans and leases to core deposits | 141.9025% | 242 |
| Total domestic deposits to total assets | 62.1610% | 7,554 |
| Equity capital to assets | 20.5446% | 258 |
| Core capital (leverage) ratio | 21.6888% | 189 |
| Tier 1 risk-based capital ratio | 36.7593% | 312 |
| Total risk-based capital ratio | 37.4976% | 315 |
| Memoranda: | ||
| Average total assets | $44,454,500 | 6,799 |
| Average earning assets | $41,382,500 | 6,746 |
| Average equity | $8,564,250 | 5,609 |
| Average total loans | $36,756,250 | 6,159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 4,975 |
| Cost of funding earning assets | 1.7771% | 1,736 |
| Net interest margin | 3.2152% | 6,269 |
| Noninterest income to average assets | -0.0402% | 7,579 |
| Noninterest expense to average assets | 2.2043% | 6,637 |
| Loan and lease loss provision to assets | 0.0894% | 6,030 |
| Net operating income to assets | 0.4248% | 4,637 |
| Return on assets (ROA) | 0.4248% | 4,800 |
| Pretax return on assets | 0.6349% | 4,455 |
| Return on Equity (ROE) | 2.2535% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.2535% | 4,721 |
| Net charge-offs to loans | 0.0823% | 5,317 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,840 |
| Efficiency ratio | 75.2672% | 3,218 |
| Assets per employee ($millions) | 5.6384% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 7,490 |
| Loan loss allowance to noncurrent loans | 211.1111% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 6,090 |
| Noncurrent loans to loans | 0.2438% | 6,747 |
| Net loans and leases to total assets | 81.4131% | 612 |
| Net loans and leases to deposits | 134.7732% | 63 |
| Net loans and leases to core deposits | 137.2976% | 318 |
| Total domestic deposits to total assets | 60.4075% | 7,653 |
| Equity capital to assets | 19.6865% | 304 |
| Core capital (leverage) ratio | 20.5670% | 217 |
| Tier 1 risk-based capital ratio | 34.8194% | 359 |
| Total risk-based capital ratio | 35.5247% | 365 |
| Memoranda: | ||
| Average total assets | $44,730,330 | 6,840 |
| Average earning assets | $41,303,330 | 6,803 |
| Average equity | $8,431,330 | 5,652 |
| Average total loans | $36,473,670 | 6,225 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 4,826 |
| Cost of funding earning assets | 1.8083% | 1,842 |
| Net interest margin | 3.2334% | 6,185 |
| Noninterest income to average assets | 0.0090% | 7,626 |
| Noninterest expense to average assets | 2.1732% | 6,748 |
| Loan and lease loss provision to assets | 0.0898% | 5,738 |
| Net operating income to assets | 0.4670% | 4,545 |
| Return on assets (ROA) | 0.4670% | 4,676 |
| Pretax return on assets | 0.7005% | 4,230 |
| Return on Equity (ROE) | 2.5344% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.5344% | 4,611 |
| Net charge-offs to loans | 0.1655% | 3,931 |
| Credit loss provision to net charge-offs | 66.6667% | 4,165 |
| Earnings coverage of net charge-offs (x) | 5.8667% | 2,322 |
| Efficiency ratio | 73.3333% | 3,700 |
| Assets per employee ($millions) | 5.5160% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4928% | 7,593 |
| Loan loss allowance to noncurrent loans | 62.9371% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 5,680 |
| Noncurrent loans to loans | 0.7830% | 5,757 |
| Net loans and leases to total assets | 82.3627% | 547 |
| Net loans and leases to deposits | 142.9161% | 50 |
| Net loans and leases to core deposits | 142.9161% | 295 |
| Total domestic deposits to total assets | 57.6301% | 7,780 |
| Equity capital to assets | 20.2366% | 276 |
| Core capital (leverage) ratio | 20.9584% | 214 |
| Tier 1 risk-based capital ratio | 35.5489% | 344 |
| Total risk-based capital ratio | 36.2345% | 352 |
| Memoranda: | ||
| Average total assets | $44,542,000 | 6,935 |
| Average earning assets | $40,700,500 | 6,907 |
| Average equity | $8,207,000 | 5,767 |
| Average total loans | $36,254,000 | 6,297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 5,279 |
| Cost of funding earning assets | 2.1574% | 2,201 |
| Net interest margin | 3.1243% | 6,295 |
| Noninterest income to average assets | 0.0121% | 7,653 |
| Noninterest expense to average assets | 2.1262% | 7,126 |
| Loan and lease loss provision to assets | 0.2664% | 5,279 |
| Net operating income to assets | 0.3774% | 4,223 |
| Return on assets (ROA) | 0.2930% | 4,642 |
| Pretax return on assets | 0.4359% | 4,388 |
| Return on Equity (ROE) | 1.6182% | 5,050 |
| Retained earnings to average equity (ytd only) | 1.6182% | 3,950 |
| Net charge-offs to loans | 0.2636% | 4,971 |
| Credit loss provision to net charge-offs | 120.8791% | 4,415 |
| Earnings coverage of net charge-offs (x) | 3.7582% | 3,213 |
| Efficiency ratio | 71.9672% | 4,266 |
| Assets per employee ($millions) | 5.6195% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 7,656 |
| Loan loss allowance to noncurrent loans | 54.4118% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 5,595 |
| Noncurrent loans to loans | 0.9449% | 5,424 |
| Net loans and leases to total assets | 79.6290% | 1,060 |
| Net loans and leases to deposits | 129.3000% | 94 |
| Net loans and leases to core deposits | 138.3605% | 865 |
| Total domestic deposits to total assets | 61.5847% | 7,772 |
| Equity capital to assets | 16.6474% | 595 |
| Core capital (leverage) ratio | 17.3807% | 446 |
| Tier 1 risk-based capital ratio | 29.3933% | 560 |
| Total risk-based capital ratio | 30.0832% | 574 |
| Memoranda: | ||
| Average total assets | $41,294,200 | 7,039 |
| Average earning assets | $38,888,600 | 6,987 |
| Average equity | $7,477,400 | 6,099 |
| Average total loans | $34,524,600 | 6,374 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 5,304 |
| Cost of funding earning assets | 2.2334% | 2,261 |
| Net interest margin | 3.0916% | 6,335 |
| Noninterest income to average assets | 0.0132% | 7,793 |
| Noninterest expense to average assets | 2.0439% | 7,301 |
| Loan and lease loss provision to assets | 0.3632% | 4,144 |
| Net operating income to assets | 0.3825% | 4,469 |
| Return on assets (ROA) | 0.2675% | 5,015 |
| Pretax return on assets | 0.3962% | 4,811 |
| Return on Equity (ROE) | 1.4447% | 5,354 |
| Retained earnings to average equity (ytd only) | 1.4447% | 4,508 |
| Net charge-offs to loans | 0.3552% | 3,869 |
| Credit loss provision to net charge-offs | 120.8791% | 4,198 |
| Earnings coverage of net charge-offs (x) | 3.0989% | 3,686 |
| Efficiency ratio | 68.7014% | 4,842 |
| Assets per employee ($millions) | 5.2021% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5151% | 7,693 |
| Loan loss allowance to noncurrent loans | 76.7635% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 6,007 |
| Noncurrent loans to loans | 0.6711% | 5,959 |
| Net loans and leases to total assets | 85.8471% | 355 |
| Net loans and leases to deposits | 146.4521% | 59 |
| Net loans and leases to core deposits | 157.3877% | 429 |
| Total domestic deposits to total assets | 58.6179% | 7,898 |
| Equity capital to assets | 17.8941% | 524 |
| Core capital (leverage) ratio | 18.6680% | 402 |
| Tier 1 risk-based capital ratio | 30.6307% | 536 |
| Total risk-based capital ratio | 31.3533% | 547 |
| Memoranda: | ||
| Average total assets | $40,378,750 | 7,128 |
| Average earning assets | $38,685,000 | 7,044 |
| Average equity | $7,475,750 | 6,163 |
| Average total loans | $34,160,000 | 6,438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 5,169 |
| Cost of funding earning assets | 2.3126% | 2,305 |
| Net interest margin | 3.0852% | 6,295 |
| Noninterest income to average assets | 0.0150% | 7,894 |
| Noninterest expense to average assets | 1.9667% | 7,521 |
| Loan and lease loss provision to assets | 0.5505% | 2,820 |
| Net operating income to assets | 0.3147% | 4,827 |
| Return on assets (ROA) | 0.1351% | 5,565 |
| Pretax return on assets | 0.1952% | 5,479 |
| Return on Equity (ROE) | 0.7214% | 5,719 |
| Retained earnings to average equity (ytd only) | 0.7214% | 4,903 |
| Net charge-offs to loans | 0.0715% | 5,507 |
| Credit loss provision to net charge-offs | 916.6667% | 526 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,522 |
| Efficiency ratio | 66.1616% | 5,525 |
| Assets per employee ($millions) | 5.8269% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 7,269 |
| Loan loss allowance to noncurrent loans | 99.6226% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 5,789 |
| Noncurrent loans to loans | 0.7639% | 5,713 |
| Net loans and leases to total assets | 84.4072% | 578 |
| Net loans and leases to deposits | 139.7410% | 85 |
| Net loans and leases to core deposits | 149.5114% | 668 |
| Total domestic deposits to total assets | 60.4026% | 7,924 |
| Equity capital to assets | 18.0911% | 541 |
| Core capital (leverage) ratio | 18.9063% | 427 |
| Tier 1 risk-based capital ratio | 31.6035% | 515 |
| Total risk-based capital ratio | 32.6747% | 511 |
| Memoranda: | ||
| Average total assets | $39,966,000 | 7,209 |
| Average earning assets | $38,311,330 | 7,118 |
| Average equity | $7,485,330 | 6,187 |
| Average total loans | $33,576,000 | 6,531 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 5,928 |
| Cost of funding earning assets | 2.3986% | 2,303 |
| Net interest margin | 2.8930% | 6,762 |
| Noninterest income to average assets | 0.0101% | 8,019 |
| Noninterest expense to average assets | 1.7191% | 7,803 |
| Loan and lease loss provision to assets | 0.4045% | 2,898 |
| Net operating income to assets | 0.4450% | 4,671 |
| Return on assets (ROA) | 0.4450% | 4,844 |
| Pretax return on assets | 0.6674% | 4,534 |
| Return on Equity (ROE) | 2.3347% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.3347% | 4,579 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5942% | 6,132 |
| Assets per employee ($millions) | 6.6113% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 7,634 |
| Loan loss allowance to noncurrent loans | 44.4924% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1672% | 4,336 |
| Noncurrent loans to loans | 1.3823% | 4,239 |
| Net loans and leases to total assets | 83.9165% | 700 |
| Net loans and leases to deposits | 134.7583% | 114 |
| Net loans and leases to core deposits | 145.6168% | 882 |
| Total domestic deposits to total assets | 62.2719% | 7,902 |
| Equity capital to assets | 19.0531% | 493 |
| Core capital (leverage) ratio | 19.5682% | 417 |
| Tier 1 risk-based capital ratio | 34.0333% | 466 |
| Total risk-based capital ratio | 34.9307% | 467 |
| Memoranda: | ||
| Average total assets | $39,555,000 | 7,272 |
| Average earning assets | $38,022,500 | 7,167 |
| Average equity | $7,538,500 | 6,209 |
| Average total loans | $33,018,000 | 6,588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 7,079 |
| Cost of funding earning assets | 2.7161% | 3,088 |
| Net interest margin | 2.8804% | 7,191 |
| Noninterest income to average assets | 0.0128% | 8,056 |
| Noninterest expense to average assets | 1.8071% | 7,746 |
| Loan and lease loss provision to assets | 0.1797% | 5,098 |
| Net operating income to assets | 0.5451% | 4,551 |
| Return on assets (ROA) | 0.5416% | 4,414 |
| Pretax return on assets | 0.8111% | 4,031 |
| Return on Equity (ROE) | 2.8329% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.8329% | 3,410 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4689% | 5,460 |
| Assets per employee ($millions) | 6.5737% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5101% | 7,837 |
| Loan loss allowance to noncurrent loans | 38.4259% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 4,095 |
| Noncurrent loans to loans | 1.3275% | 3,859 |
| Net loans and leases to total assets | 82.0851% | 1,213 |
| Net loans and leases to deposits | 132.0068% | 184 |
| Net loans and leases to core deposits | 141.1272% | 1,204 |
| Total domestic deposits to total assets | 62.1824% | 7,880 |
| Equity capital to assets | 19.0634% | 538 |
| Core capital (leverage) ratio | 19.5712% | 462 |
| Tier 1 risk-based capital ratio | 34.0747% | 479 |
| Total risk-based capital ratio | 34.8028% | 483 |
| Memoranda: | ||
| Average total assets | $38,957,200 | 7,264 |
| Average earning assets | $37,738,400 | 7,161 |
| Average equity | $7,448,200 | 6,296 |
| Average total loans | $31,870,800 | 6,611 |