Home > Community Savings Bank > Performance and Condition Ratios
Community Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 2,174 |
| Cost of funding earning assets | 1.1380% | 2,964 |
| Net interest margin | 3.8131% | 1,547 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 3.3808% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3508% | 3,955 |
| Return on assets (ROA) | 0.3508% | 3,950 |
| Pretax return on assets | 0.4004% | 3,967 |
| Return on Equity (ROE) | 1.9700% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.9726% | 3,583 |
| Net charge-offs to loans | -0.0054% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.2585% | 435 |
| Assets per employee ($millions) | 5.5156% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4722% | 4,355 |
| Loan loss allowance to noncurrent loans | 349.5050% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 2,769 |
| Noncurrent loans to loans | 0.1351% | 2,830 |
| Net loans and leases to total assets | 84.3100% | 250 |
| Net loans and leases to deposits | 106.7813% | 268 |
| Net loans and leases to core deposits | 116.9843% | 718 |
| Total domestic deposits to total assets | 78.9500% | 3,618 |
| Equity capital to assets | 17.6669% | 363 |
| Core capital (leverage) ratio | 17.9979% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $86,666,800 | 3,953 |
| Average earning assets | $81,901,200 | 3,908 |
| Average equity | $15,411,200 | 3,228 |
| Average total loans | $73,660,200 | 3,499 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 2,099 |
| Cost of funding earning assets | 0.9768% | 3,100 |
| Net interest margin | 3.9056% | 1,385 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 3.3815% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4157% | 3,937 |
| Return on assets (ROA) | 0.4157% | 3,928 |
| Pretax return on assets | 0.4822% | 3,934 |
| Return on Equity (ROE) | 2.3300% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.3341% | 3,660 |
| Net charge-offs to loans | -0.0127% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.3200% | 467 |
| Assets per employee ($millions) | 5.1429% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 4,365 |
| Loan loss allowance to noncurrent loans | 234.2105% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 2,421 |
| Noncurrent loans to loans | 0.2037% | 2,538 |
| Net loans and leases to total assets | 84.9300% | 219 |
| Net loans and leases to deposits | 107.6128% | 254 |
| Net loans and leases to core deposits | 117.3974% | 626 |
| Total domestic deposits to total assets | 78.9200% | 3,705 |
| Equity capital to assets | 17.6212% | 368 |
| Core capital (leverage) ratio | 18.4643% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,271,000 | 3,975 |
| Average earning assets | $81,486,750 | 3,933 |
| Average equity | $15,366,250 | 3,219 |
| Average total loans | $73,386,500 | 3,510 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 1,830 |
| Cost of funding earning assets | 0.8339% | 3,117 |
| Net interest margin | 4.0386% | 1,179 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 3.3720% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5193% | 3,769 |
| Return on assets (ROA) | 0.5193% | 3,777 |
| Pretax return on assets | 0.6148% | 3,773 |
| Return on Equity (ROE) | 2.9000% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.9050% | 3,501 |
| Net charge-offs to loans | -0.0137% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.4042% | 575 |
| Assets per employee ($millions) | 5.3115% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4866% | 4,386 |
| Loan loss allowance to noncurrent loans | 610.3448% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,086 |
| Noncurrent loans to loans | 0.0797% | 3,118 |
| Net loans and leases to total assets | 85.1800% | 194 |
| Net loans and leases to deposits | 106.2199% | 299 |
| Net loans and leases to core deposits | 113.6169% | 695 |
| Total domestic deposits to total assets | 80.1900% | 3,547 |
| Equity capital to assets | 18.1787% | 337 |
| Core capital (leverage) ratio | 18.4195% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,885,000 | 3,990 |
| Average earning assets | $81,067,667 | 3,953 |
| Average equity | $15,353,000 | 3,242 |
| Average total loans | $72,978,333 | 3,518 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 1,593 |
| Cost of funding earning assets | 0.6827% | 3,110 |
| Net interest margin | 4.1303% | 1,053 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 3.3266% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6116% | 3,669 |
| Return on assets (ROA) | 0.6116% | 3,626 |
| Pretax return on assets | 0.7367% | 3,594 |
| Return on Equity (ROE) | 3.4500% | 4,125 |
| Retained earnings to average equity (ytd only) | 3.4499% | 3,399 |
| Net charge-offs to loans | -0.0109% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6420% | 728 |
| Assets per employee ($millions) | 5.3406% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4818% | 4,448 |
| Loan loss allowance to noncurrent loans | 594.9153% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,110 |
| Noncurrent loans to loans | 0.0810% | 3,164 |
| Net loans and leases to total assets | 84.8500% | 191 |
| Net loans and leases to deposits | 105.5925% | 262 |
| Net loans and leases to core deposits | 112.8801% | 619 |
| Total domestic deposits to total assets | 80.3600% | 3,721 |
| Equity capital to assets | 18.0328% | 298 |
| Core capital (leverage) ratio | 18.2153% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,335,500 | 4,037 |
| Average earning assets | $81,446,000 | 4,000 |
| Average equity | $15,305,000 | 3,278 |
| Average total loans | $73,095,000 | 3,557 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 915 |
| Cost of funding earning assets | 0.3474% | 2,498 |
| Net interest margin | 4.0339% | 747 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 3.2544% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6361% | 3,787 |
| Return on assets (ROA) | 0.6361% | 3,740 |
| Pretax return on assets | 0.7238% | 3,804 |
| Return on Equity (ROE) | 3.7100% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.7146% | 3,491 |
| Net charge-offs to loans | -0.0390% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.1175% | 646 |
| Assets per employee ($millions) | 5.4513% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4759% | 4,455 |
| Loan loss allowance to noncurrent loans | 2,492.8571% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,691 |
| Noncurrent loans to loans | 0.0191% | 3,679 |
| Net loans and leases to total assets | 83.6800% | 284 |
| Net loans and leases to deposits | 102.7624% | 344 |
| Net loans and leases to core deposits | 109.5820% | 622 |
| Total domestic deposits to total assets | 81.4300% | 3,703 |
| Equity capital to assets | 17.4281% | 319 |
| Core capital (leverage) ratio | 17.8847% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $87,727,600 | 4,040 |
| Average earning assets | $82,624,000 | 4,011 |
| Average equity | $15,021,800 | 3,368 |
| Average total loans | $71,822,000 | 3,548 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 759 |
| Cost of funding earning assets | 0.3480% | 1,723 |
| Net interest margin | 3.9381% | 726 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 3.2993% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5023% | 4,067 |
| Return on assets (ROA) | 0.5023% | 4,015 |
| Pretax return on assets | 0.5919% | 4,003 |
| Return on Equity (ROE) | 2.9500% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.9467% | 3,786 |
| Net charge-offs to loans | -0.0485% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.8924% | 554 |
| Assets per employee ($millions) | 5.4441% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 4,501 |
| 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 | 84.1100% | 235 |
| Net loans and leases to deposits | 103.4934% | 250 |
| Net loans and leases to core deposits | 110.2178% | 461 |
| Total domestic deposits to total assets | 81.2700% | 3,936 |
| Equity capital to assets | 17.1515% | 315 |
| Core capital (leverage) ratio | 17.4404% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $87,854,250 | 4,068 |
| Average earning assets | $82,745,750 | 4,039 |
| Average equity | $14,977,000 | 3,407 |
| Average total loans | $71,443,750 | 3,563 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 686 |
| Cost of funding earning assets | 0.3352% | 1,395 |
| Net interest margin | 3.8296% | 706 |
| Noninterest income to average assets | 0.1861% | 4,073 |
| Noninterest expense to average assets | 3.3075% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4177% | 4,078 |
| Return on assets (ROA) | 0.4177% | 4,025 |
| Pretax return on assets | 0.4835% | 4,028 |
| Return on Equity (ROE) | 2.4551% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.4551% | 3,627 |
| Net charge-offs to loans | -0.0396% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4072% | 567 |
| Assets per employee ($millions) | 5.1770% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 4,581 |
| 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 | 81.6076% | 309 |
| Net loans and leases to deposits | 99.5330% | 292 |
| Net loans and leases to core deposits | 105.4701% | 468 |
| Total domestic deposits to total assets | 81.9905% | 4,002 |
| Equity capital to assets | 16.9517% | 284 |
| Core capital (leverage) ratio | 17.2424% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,103,667 | 4,101 |
| Average earning assets | $82,934,000 | 4,091 |
| Average equity | $14,989,333 | 3,492 |
| Average total loans | $70,721,333 | 3,608 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 576 |
| Cost of funding earning assets | 0.3566% | 1,152 |
| Net interest margin | 3.7925% | 641 |
| Noninterest income to average assets | 0.2042% | 3,938 |
| Noninterest expense to average assets | 3.3352% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3857% | 3,988 |
| Return on assets (ROA) | 0.3857% | 3,952 |
| Pretax return on assets | 0.4402% | 3,967 |
| Return on Equity (ROE) | 2.2630% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.2630% | 3,476 |
| Net charge-offs to loans | -0.0114% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3798% | 663 |
| Assets per employee ($millions) | 4.6135% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4649% | 4,615 |
| 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 | 78.8950% | 304 |
| Net loans and leases to deposits | 96.2613% | 272 |
| Net loans and leases to core deposits | 100.3774% | 499 |
| Total domestic deposits to total assets | 81.9592% | 4,078 |
| Equity capital to assets | 17.0597% | 264 |
| Core capital (leverage) ratio | 17.0591% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,151,000 | 4,120 |
| Average earning assets | $83,005,500 | 4,102 |
| Average equity | $15,024,500 | 3,561 |
| Average total loans | $70,003,500 | 3,619 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 916 |
| Cost of funding earning assets | 0.4645% | 1,099 |
| Net interest margin | 3.7871% | 1,038 |
| Noninterest income to average assets | 0.5433% | 2,384 |
| Noninterest expense to average assets | 3.2608% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7351% | 3,533 |
| Return on assets (ROA) | 0.7351% | 3,593 |
| Pretax return on assets | 0.8408% | 3,643 |
| Return on Equity (ROE) | 4.3108% | 4,151 |
| Retained earnings to average equity (ytd only) | 4.3108% | 3,084 |
| Net charge-offs to loans | -0.0188% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6334% | 893 |
| Assets per employee ($millions) | 4.9247% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4551% | 4,658 |
| Loan loss allowance to noncurrent loans | 1,605.0000% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,903 |
| Noncurrent loans to loans | 0.0284% | 3,871 |
| Net loans and leases to total assets | 79.1991% | 309 |
| Net loans and leases to deposits | 96.7345% | 289 |
| Net loans and leases to core deposits | 101.2387% | 486 |
| Total domestic deposits to total assets | 81.8726% | 3,988 |
| Equity capital to assets | 17.0286% | 298 |
| Core capital (leverage) ratio | 17.0969% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,063,800 | 4,134 |
| Average earning assets | $81,803,200 | 4,103 |
| Average equity | $14,846,400 | 3,652 |
| Average total loans | $69,230,600 | 3,665 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 957 |
| Cost of funding earning assets | 0.4882% | 1,113 |
| Net interest margin | 3.8091% | 1,096 |
| Noninterest income to average assets | 0.5784% | 2,307 |
| Noninterest expense to average assets | 3.2414% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7630% | 3,616 |
| Return on assets (ROA) | 0.7630% | 3,678 |
| Pretax return on assets | 0.9138% | 3,666 |
| Return on Equity (ROE) | 4.4731% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.4731% | 3,415 |
| Net charge-offs to loans | -0.0252% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1566% | 945 |
| Assets per employee ($millions) | 5.4291% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4641% | 4,736 |
| Loan loss allowance to noncurrent loans | 1,605.0000% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,031 |
| Noncurrent loans to loans | 0.0289% | 3,991 |
| Net loans and leases to total assets | 79.2632% | 332 |
| Net loans and leases to deposits | 97.2871% | 296 |
| Net loans and leases to core deposits | 102.7427% | 501 |
| Total domestic deposits to total assets | 81.4736% | 4,018 |
| Equity capital to assets | 17.2567% | 325 |
| Core capital (leverage) ratio | 16.9036% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,668,500 | 4,188 |
| Average earning assets | $81,381,250 | 4,163 |
| Average equity | $14,784,250 | 3,705 |
| Average total loans | $68,906,500 | 3,720 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 962 |
| Cost of funding earning assets | 0.5194% | 1,098 |
| Net interest margin | 3.8079% | 1,128 |
| Noninterest income to average assets | 0.6004% | 2,214 |
| Noninterest expense to average assets | 3.2124% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8014% | 3,510 |
| Return on assets (ROA) | 0.8014% | 3,583 |
| Pretax return on assets | 0.9607% | 3,526 |
| Return on Equity (ROE) | 4.7161% | 4,187 |
| Retained earnings to average equity (ytd only) | 4.7161% | 3,296 |
| Net charge-offs to loans | -0.0262% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1483% | 1,072 |
| Assets per employee ($millions) | 5.4966% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4521% | 4,771 |
| Loan loss allowance to noncurrent loans | 326.8041% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 3,493 |
| Noncurrent loans to loans | 0.1383% | 3,505 |
| Net loans and leases to total assets | 79.3689% | 350 |
| Net loans and leases to deposits | 98.1716% | 308 |
| Net loans and leases to core deposits | 103.6438% | 543 |
| Total domestic deposits to total assets | 80.8471% | 4,108 |
| Equity capital to assets | 16.8992% | 333 |
| Core capital (leverage) ratio | 16.6861% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,603,000 | 4,209 |
| Average earning assets | $81,252,333 | 4,185 |
| Average equity | $14,715,667 | 3,715 |
| Average total loans | $68,817,667 | 3,749 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 915 |
| Cost of funding earning assets | 0.5397% | 1,167 |
| Net interest margin | 3.8569% | 1,051 |
| Noninterest income to average assets | 0.7448% | 1,730 |
| Noninterest expense to average assets | 3.2165% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9542% | 2,957 |
| Return on assets (ROA) | 0.9542% | 3,050 |
| Pretax return on assets | 1.1544% | 2,971 |
| Return on Equity (ROE) | 5.6001% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.6001% | 3,028 |
| Net charge-offs to loans | -0.0235% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7370% | 1,428 |
| Assets per employee ($millions) | 5.3662% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4493% | 4,803 |
| Loan loss allowance to noncurrent loans | 315.1515% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 3,590 |
| Noncurrent loans to loans | 0.1426% | 3,606 |
| Net loans and leases to total assets | 80.5111% | 310 |
| Net loans and leases to deposits | 99.8599% | 290 |
| Net loans and leases to core deposits | 105.5794% | 528 |
| Total domestic deposits to total assets | 80.6240% | 4,119 |
| Equity capital to assets | 17.1409% | 298 |
| Core capital (leverage) ratio | 16.8154% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,932,000 | 4,232 |
| Average earning assets | $80,790,000 | 4,205 |
| Average equity | $14,642,500 | 3,728 |
| Average total loans | $68,167,500 | 3,771 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 1,167 |
| Cost of funding earning assets | 0.7628% | 1,384 |
| Net interest margin | 3.8024% | 1,494 |
| Noninterest income to average assets | 0.7604% | 1,660 |
| Noninterest expense to average assets | 3.3417% | 857 |
| Loan and lease loss provision to assets | 0.0496% | 3,765 |
| Net operating income to assets | 0.8185% | 3,020 |
| Return on assets (ROA) | 0.8185% | 3,143 |
| Pretax return on assets | 0.9359% | 3,264 |
| Return on Equity (ROE) | 4.7856% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.7856% | 2,377 |
| Net charge-offs to loans | -0.0169% | 4,387 |
| Credit loss provision to net charge-offs | -372.7273% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3570% | 1,185 |
| Assets per employee ($millions) | 5.7337% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 4,815 |
| Loan loss allowance to noncurrent loans | 299.0291% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 3,687 |
| Noncurrent loans to loans | 0.1540% | 3,668 |
| Net loans and leases to total assets | 77.4246% | 653 |
| Net loans and leases to deposits | 96.0021% | 551 |
| Net loans and leases to core deposits | 101.4829% | 838 |
| Total domestic deposits to total assets | 80.6488% | 3,937 |
| Equity capital to assets | 16.9386% | 343 |
| Core capital (leverage) ratio | 16.8252% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,592,000 | 4,213 |
| Average earning assets | $77,477,200 | 4,194 |
| Average equity | $14,125,800 | 3,741 |
| Average total loans | $64,903,800 | 3,834 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,197 |
| Cost of funding earning assets | 0.8126% | 1,432 |
| Net interest margin | 3.8298% | 1,541 |
| Noninterest income to average assets | 0.7030% | 1,793 |
| Noninterest expense to average assets | 3.2884% | 922 |
| Loan and lease loss provision to assets | 0.0673% | 3,491 |
| Net operating income to assets | 0.7927% | 3,118 |
| Return on assets (ROA) | 0.7927% | 3,236 |
| Pretax return on assets | 0.9379% | 3,271 |
| Return on Equity (ROE) | 4.6234% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.6234% | 2,731 |
| Net charge-offs to loans | -0.0145% | 4,321 |
| Credit loss provision to net charge-offs | -585.7143% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7219% | 1,228 |
| Assets per employee ($millions) | 5.2100% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 4,842 |
| Loan loss allowance to noncurrent loans | 180.9524% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 3,431 |
| Noncurrent loans to loans | 0.2590% | 3,374 |
| Net loans and leases to total assets | 77.4520% | 903 |
| Net loans and leases to deposits | 96.5385% | 721 |
| Net loans and leases to core deposits | 102.2569% | 1,017 |
| Total domestic deposits to total assets | 80.2291% | 3,816 |
| Equity capital to assets | 17.2529% | 349 |
| Core capital (leverage) ratio | 16.9350% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,738,750 | 4,233 |
| Average earning assets | $76,625,000 | 4,214 |
| Average equity | $14,015,250 | 3,761 |
| Average total loans | $64,405,500 | 3,856 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 1,346 |
| Cost of funding earning assets | 0.8595% | 1,547 |
| Net interest margin | 3.8665% | 1,650 |
| Noninterest income to average assets | 0.4975% | 2,581 |
| Noninterest expense to average assets | 3.2316% | 1,105 |
| Loan and lease loss provision to assets | 0.1010% | 3,007 |
| Net operating income to assets | 0.6749% | 3,485 |
| Return on assets (ROA) | 0.6749% | 3,591 |
| Pretax return on assets | 0.7882% | 3,625 |
| Return on Equity (ROE) | 3.9444% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.9444% | 2,940 |
| Net charge-offs to loans | -0.0125% | 4,266 |
| Credit loss provision to net charge-offs | -1,025.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5254% | 1,097 |
| Assets per employee ($millions) | 5.1624% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4710% | 4,858 |
| Loan loss allowance to noncurrent loans | 172.0000% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,480 |
| Noncurrent loans to loans | 0.2739% | 3,404 |
| Net loans and leases to total assets | 76.9985% | 1,000 |
| Net loans and leases to deposits | 96.4133% | 762 |
| Net loans and leases to core deposits | 102.1999% | 1,107 |
| Total domestic deposits to total assets | 79.8630% | 3,865 |
| Equity capital to assets | 17.1612% | 364 |
| Core capital (leverage) ratio | 16.8816% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,198,333 | 4,239 |
| Average earning assets | $76,089,667 | 4,226 |
| Average equity | $13,893,000 | 3,782 |
| Average total loans | $64,251,333 | 3,868 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 1,414 |
| Cost of funding earning assets | 0.9390% | 1,693 |
| Net interest margin | 3.8620% | 1,791 |
| Noninterest income to average assets | 0.3677% | 3,313 |
| Noninterest expense to average assets | 3.3144% | 1,195 |
| Loan and lease loss provision to assets | 0.2037% | 1,498 |
| Net operating income to assets | 0.4224% | 4,083 |
| Return on assets (ROA) | 0.4224% | 4,122 |
| Pretax return on assets | 0.4671% | 4,177 |
| Return on Equity (ROE) | 2.4724% | 4,345 |
| Retained earnings to average equity (ytd only) | 2.4724% | 3,277 |
| Net charge-offs to loans | -0.0186% | 4,312 |
| Credit loss provision to net charge-offs | -1,366.6667% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1696% | 964 |
| Assets per employee ($millions) | 5.3398% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4614% | 4,908 |
| Loan loss allowance to noncurrent loans | 167.5978% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 3,576 |
| Noncurrent loans to loans | 0.2753% | 3,508 |
| Net loans and leases to total assets | 80.8033% | 595 |
| Net loans and leases to deposits | 100.9972% | 494 |
| Net loans and leases to core deposits | 107.2392% | 980 |
| Total domestic deposits to total assets | 80.0055% | 3,862 |
| Equity capital to assets | 17.1667% | 422 |
| Core capital (leverage) ratio | 16.9469% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,498,000 | 4,260 |
| Average earning assets | $75,400,500 | 4,231 |
| Average equity | $13,752,000 | 3,804 |
| Average total loans | $64,426,500 | 3,876 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 1,913 |
| Cost of funding earning assets | 1.0797% | 1,402 |
| Net interest margin | 3.7639% | 2,629 |
| Noninterest income to average assets | 0.2568% | 4,142 |
| Noninterest expense to average assets | 3.1161% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6210% | 4,098 |
| Return on assets (ROA) | 0.6210% | 4,162 |
| Pretax return on assets | 0.6741% | 4,270 |
| Return on Equity (ROE) | 3.7575% | 4,523 |
| Retained earnings to average equity (ytd only) | 3.7575% | 3,100 |
| Net charge-offs to loans | -0.0398% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2052% | 855 |
| Assets per employee ($millions) | 4.7588% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3995% | 4,988 |
| Loan loss allowance to noncurrent loans | 359.1549% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 4,200 |
| Noncurrent loans to loans | 0.1112% | 4,081 |
| Net loans and leases to total assets | 78.5881% | 991 |
| Net loans and leases to deposits | 96.5908% | 880 |
| Net loans and leases to core deposits | 102.3817% | 1,374 |
| Total domestic deposits to total assets | 81.3619% | 3,690 |
| Equity capital to assets | 17.0014% | 465 |
| Core capital (leverage) ratio | 16.4305% | 469 |
| Tier 1 risk-based capital ratio | 26.5426% | 645 |
| Total risk-based capital ratio | 27.0427% | 675 |
| Memoranda: | ||
| Average total assets | $80,998,400 | 4,266 |
| Average earning assets | $76,037,400 | 4,251 |
| Average equity | $13,386,600 | 3,846 |
| Average total loans | $62,808,000 | 3,933 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 1,959 |
| Cost of funding earning assets | 1.0829% | 1,416 |
| Net interest margin | 3.7707% | 2,681 |
| Noninterest income to average assets | 0.2666% | 4,144 |
| Noninterest expense to average assets | 3.0970% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6204% | 4,242 |
| Return on assets (ROA) | 0.6204% | 4,293 |
| Pretax return on assets | 0.7109% | 4,322 |
| Return on Equity (ROE) | 3.7808% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.7808% | 3,504 |
| Net charge-offs to loans | -0.0448% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2939% | 897 |
| Assets per employee ($millions) | 4.8741% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 5,070 |
| Loan loss allowance to noncurrent loans | 345.2055% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,276 |
| Noncurrent loans to loans | 0.1123% | 4,137 |
| Net loans and leases to total assets | 78.1233% | 1,118 |
| Net loans and leases to deposits | 97.7500% | 846 |
| Net loans and leases to core deposits | 104.0038% | 1,324 |
| Total domestic deposits to total assets | 79.9216% | 4,006 |
| Equity capital to assets | 16.4386% | 565 |
| Core capital (leverage) ratio | 16.0895% | 544 |
| Tier 1 risk-based capital ratio | 26.1066% | 700 |
| Total risk-based capital ratio | 26.5976% | 740 |
| Memoranda: | ||
| Average total assets | $81,023,250 | 4,324 |
| Average earning assets | $76,093,250 | 4,300 |
| Average equity | $13,294,750 | 3,889 |
| Average total loans | $62,552,000 | 3,977 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 2,063 |
| Cost of funding earning assets | 1.0731% | 1,406 |
| Net interest margin | 3.7253% | 2,856 |
| Noninterest income to average assets | 0.2189% | 4,435 |
| Noninterest expense to average assets | 3.0966% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5472% | 4,429 |
| Return on assets (ROA) | 0.5472% | 4,465 |
| Pretax return on assets | 0.6193% | 4,509 |
| Return on Equity (ROE) | 3.3369% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.3369% | 3,560 |
| Net charge-offs to loans | -0.0551% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2624% | 787 |
| Assets per employee ($millions) | 5.1761% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3934% | 5,113 |
| Loan loss allowance to noncurrent loans | 186.4662% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 3,962 |
| Noncurrent loans to loans | 0.2110% | 3,787 |
| Net loans and leases to total assets | 75.8241% | 1,576 |
| Net loans and leases to deposits | 92.2426% | 1,467 |
| Net loans and leases to core deposits | 99.5135% | 1,767 |
| Total domestic deposits to total assets | 82.2007% | 3,458 |
| Equity capital to assets | 16.2054% | 584 |
| Core capital (leverage) ratio | 15.8634% | 567 |
| Tier 1 risk-based capital ratio | 26.1061% | 680 |
| Total risk-based capital ratio | 26.5953% | 711 |
| Memoranda: | ||
| Average total assets | $80,411,000 | 4,364 |
| Average earning assets | $75,483,330 | 4,340 |
| Average equity | $13,186,000 | 3,908 |
| Average total loans | $61,741,000 | 4,011 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 2,103 |
| Cost of funding earning assets | 1.0608% | 1,335 |
| Net interest margin | 3.6722% | 2,998 |
| Noninterest income to average assets | 0.1970% | 4,578 |
| Noninterest expense to average assets | 3.1058% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4848% | 4,560 |
| Return on assets (ROA) | 0.4848% | 4,581 |
| Pretax return on assets | 0.5353% | 4,613 |
| Return on Equity (ROE) | 2.9384% | 4,799 |
| Retained earnings to average equity (ytd only) | 2.9384% | 3,763 |
| Net charge-offs to loans | -0.0327% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1886% | 693 |
| Assets per employee ($millions) | 5.3353% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3853% | 5,185 |
| Loan loss allowance to noncurrent loans | 131.1111% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 3,729 |
| Noncurrent loans to loans | 0.2939% | 3,516 |
| Net loans and leases to total assets | 76.2349% | 1,439 |
| Net loans and leases to deposits | 92.9889% | 1,283 |
| Net loans and leases to core deposits | 101.0200% | 1,535 |
| Total domestic deposits to total assets | 81.9828% | 3,733 |
| Equity capital to assets | 16.4478% | 509 |
| Core capital (leverage) ratio | 16.3716% | 484 |
| Tier 1 risk-based capital ratio | 26.9317% | 624 |
| Total risk-based capital ratio | 27.4168% | 658 |
| Memoranda: | ||
| Average total assets | $79,207,500 | 4,425 |
| Average earning assets | $74,287,000 | 4,408 |
| Average equity | $13,068,500 | 3,936 |
| Average total loans | $61,089,500 | 4,066 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 1,777 |
| Cost of funding earning assets | 0.8640% | 1,249 |
| Net interest margin | 3.8502% | 2,498 |
| Noninterest income to average assets | 0.2464% | 4,448 |
| Noninterest expense to average assets | 3.1139% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6790% | 4,206 |
| Return on assets (ROA) | 0.6790% | 4,210 |
| Pretax return on assets | 0.7419% | 4,307 |
| Return on Equity (ROE) | 4.1735% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.1735% | 3,255 |
| Net charge-offs to loans | -0.0255% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4607% | 1,004 |
| Assets per employee ($millions) | 4.8991% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3791% | 5,229 |
| Loan loss allowance to noncurrent loans | 173.6842% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,969 |
| Noncurrent loans to loans | 0.2183% | 3,798 |
| Net loans and leases to total assets | 77.4398% | 1,363 |
| Net loans and leases to deposits | 94.6635% | 1,209 |
| Net loans and leases to core deposits | 102.1816% | 1,566 |
| Total domestic deposits to total assets | 81.8054% | 3,694 |
| Equity capital to assets | 16.5514% | 458 |
| Core capital (leverage) ratio | 16.5073% | 458 |
| Tier 1 risk-based capital ratio | 26.8681% | 620 |
| Total risk-based capital ratio | 27.3456% | 653 |
| Memoranda: | ||
| Average total assets | $77,908,800 | 4,465 |
| Average earning assets | $73,034,600 | 4,440 |
| Average equity | $12,675,200 | 3,934 |
| Average total loans | $58,820,000 | 4,122 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,720 |
| Cost of funding earning assets | 0.8008% | 1,334 |
| Net interest margin | 3.8850% | 2,360 |
| Noninterest income to average assets | 0.2382% | 4,545 |
| Noninterest expense to average assets | 3.1092% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6685% | 4,326 |
| Return on assets (ROA) | 0.6685% | 4,339 |
| Pretax return on assets | 0.7713% | 4,370 |
| Return on Equity (ROE) | 4.1267% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.1267% | 3,712 |
| Net charge-offs to loans | -0.0252% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7544% | 1,050 |
| Assets per employee ($millions) | 4.9140% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3737% | 5,313 |
| Loan loss allowance to noncurrent loans | 151.3333% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 3,983 |
| Noncurrent loans to loans | 0.2470% | 3,806 |
| Net loans and leases to total assets | 76.9638% | 1,510 |
| Net loans and leases to deposits | 93.6588% | 1,415 |
| Net loans and leases to core deposits | 101.8892% | 1,622 |
| Total domestic deposits to total assets | 82.1747% | 3,554 |
| Equity capital to assets | 16.1465% | 516 |
| Core capital (leverage) ratio | 16.3235% | 473 |
| Tier 1 risk-based capital ratio | 27.2565% | 612 |
| Total risk-based capital ratio | 27.7380% | 640 |
| Memoranda: | ||
| Average total assets | $77,789,500 | 4,512 |
| Average earning assets | $72,927,500 | 4,484 |
| Average equity | $12,600,500 | 3,971 |
| Average total loans | $58,291,750 | 4,177 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 1,658 |
| Cost of funding earning assets | 0.7432% | 1,413 |
| Net interest margin | 3.9006% | 2,198 |
| Noninterest income to average assets | 0.2219% | 4,694 |
| Noninterest expense to average assets | 3.0808% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6889% | 4,225 |
| Return on assets (ROA) | 0.6889% | 4,229 |
| Pretax return on assets | 0.7973% | 4,253 |
| Return on Equity (ROE) | 4.2485% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.2485% | 3,480 |
| Net charge-offs to loans | -0.0244% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0439% | 1,195 |
| Assets per employee ($millions) | 4.8474% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3750% | 5,381 |
| Loan loss allowance to noncurrent loans | 121.8579% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 3,829 |
| Noncurrent loans to loans | 0.3077% | 3,608 |
| Net loans and leases to total assets | 76.3883% | 1,576 |
| Net loans and leases to deposits | 93.0648% | 1,464 |
| Net loans and leases to core deposits | 99.6602% | 1,762 |
| Total domestic deposits to total assets | 82.0807% | 3,695 |
| Equity capital to assets | 16.2844% | 467 |
| Core capital (leverage) ratio | 16.3642% | 455 |
| Tier 1 risk-based capital ratio | 26.9847% | 608 |
| Total risk-based capital ratio | 27.4579% | 641 |
| Memoranda: | ||
| Average total assets | $77,511,330 | 4,559 |
| Average earning assets | $72,655,000 | 4,534 |
| Average equity | $12,569,000 | 3,998 |
| Average total loans | $57,476,000 | 4,229 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,594 |
| Cost of funding earning assets | 0.7050% | 1,413 |
| Net interest margin | 3.8888% | 2,089 |
| Noninterest income to average assets | 0.1858% | 4,912 |
| Noninterest expense to average assets | 3.0611% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6659% | 4,221 |
| Return on assets (ROA) | 0.6659% | 4,225 |
| Pretax return on assets | 0.7692% | 4,224 |
| Return on Equity (ROE) | 4.1153% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.1153% | 3,553 |
| Net charge-offs to loans | -0.0212% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 1,304 |
| Assets per employee ($millions) | 5.1962% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3877% | 5,437 |
| Loan loss allowance to noncurrent loans | 171.0938% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 4,268 |
| Noncurrent loans to loans | 0.2266% | 3,961 |
| Net loans and leases to total assets | 72.1912% | 2,141 |
| Net loans and leases to deposits | 87.6585% | 1,972 |
| Net loans and leases to core deposits | 93.8066% | 2,157 |
| Total domestic deposits to total assets | 82.3551% | 3,858 |
| Equity capital to assets | 16.0322% | 480 |
| Core capital (leverage) ratio | 16.2691% | 455 |
| Tier 1 risk-based capital ratio | 28.1400% | 550 |
| Total risk-based capital ratio | 28.6303% | 583 |
| Memoranda: | ||
| Average total assets | $77,487,500 | 4,615 |
| Average earning assets | $72,619,500 | 4,584 |
| Average equity | $12,538,500 | 4,039 |
| Average total loans | $56,479,500 | 4,295 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 1,920 |
| Cost of funding earning assets | 0.6375% | 1,368 |
| Net interest margin | 3.8001% | 2,429 |
| Noninterest income to average assets | 0.3548% | 3,929 |
| Noninterest expense to average assets | 3.2874% | 1,403 |
| Loan and lease loss provision to assets | 0.0375% | 3,517 |
| Net operating income to assets | 0.7160% | 3,533 |
| Return on assets (ROA) | 0.7160% | 3,581 |
| Pretax return on assets | 0.5878% | 4,765 |
| Return on Equity (ROE) | 4.5247% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.5247% | 2,438 |
| Net charge-offs to loans | -0.0216% | 4,978 |
| Credit loss provision to net charge-offs | -241.6667% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2965% | 909 |
| Assets per employee ($millions) | 4.8145% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3825% | 5,503 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 4,252 |
| Noncurrent loans to loans | 0.2391% | 3,945 |
| Net loans and leases to total assets | 73.0294% | 2,087 |
| Net loans and leases to deposits | 89.1424% | 1,875 |
| Net loans and leases to core deposits | 95.5013% | 2,076 |
| Total domestic deposits to total assets | 81.9244% | 3,887 |
| Equity capital to assets | 16.3322% | 476 |
| Core capital (leverage) ratio | 16.2506% | 442 |
| Tier 1 risk-based capital ratio | 28.5280% | 516 |
| Total risk-based capital ratio | 29.0218% | 540 |
| Memoranda: | ||
| Average total assets | $77,233,600 | 4,639 |
| Average earning assets | $72,314,600 | 4,615 |
| Average equity | $12,221,800 | 4,106 |
| Average total loans | $55,567,800 | 4,308 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 1,896 |
| Cost of funding earning assets | 0.6378% | 1,318 |
| Net interest margin | 3.7825% | 2,470 |
| Noninterest income to average assets | 0.3640% | 3,921 |
| Noninterest expense to average assets | 3.3486% | 1,250 |
| Loan and lease loss provision to assets | 0.0242% | 3,661 |
| Net operating income to assets | 0.3899% | 5,016 |
| Return on assets (ROA) | 0.3899% | 5,047 |
| Pretax return on assets | 0.5314% | 4,971 |
| Return on Equity (ROE) | 2.4838% | 5,230 |
| Retained earnings to average equity (ytd only) | 2.4838% | 4,407 |
| Net charge-offs to loans | -0.0217% | 4,878 |
| Credit loss provision to net charge-offs | -155.5556% | 4,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9593% | 754 |
| Assets per employee ($millions) | 4.8364% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3634% | 5,587 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 3,889 |
| Noncurrent loans to loans | 0.3230% | 3,790 |
| Net loans and leases to total assets | 70.1549% | 2,532 |
| Net loans and leases to deposits | 85.5172% | 2,361 |
| Net loans and leases to core deposits | 91.6006% | 2,482 |
| Total domestic deposits to total assets | 82.0361% | 3,767 |
| Equity capital to assets | 15.8937% | 562 |
| Core capital (leverage) ratio | 15.5278% | 572 |
| Tier 1 risk-based capital ratio | 28.0293% | 567 |
| Total risk-based capital ratio | 28.4869% | 598 |
| Memoranda: | ||
| Average total assets | $77,284,000 | 4,691 |
| Average earning assets | $72,330,500 | 4,659 |
| Average equity | $12,132,000 | 4,154 |
| Average total loans | $55,341,750 | 4,349 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 1,606 |
| Cost of funding earning assets | 0.6283% | 1,283 |
| Net interest margin | 3.8387% | 2,140 |
| Noninterest income to average assets | 0.2304% | 4,858 |
| Noninterest expense to average assets | 3.4951% | 1,019 |
| Loan and lease loss provision to assets | 0.0362% | 3,280 |
| Net operating income to assets | 0.2382% | 5,337 |
| Return on assets (ROA) | 0.2382% | 5,356 |
| Pretax return on assets | 0.2900% | 5,348 |
| Return on Equity (ROE) | 1.5236% | 5,407 |
| Retained earnings to average equity (ytd only) | 1.5236% | 4,636 |
| Net charge-offs to loans | -0.0395% | 5,070 |
| Credit loss provision to net charge-offs | -127.2727% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5664% | 474 |
| Assets per employee ($millions) | 4.8799% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3695% | 5,627 |
| Loan loss allowance to noncurrent loans | 109.2896% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 3,919 |
| Noncurrent loans to loans | 0.3381% | 3,833 |
| Net loans and leases to total assets | 69.0698% | 2,656 |
| Net loans and leases to deposits | 85.0240% | 2,349 |
| Net loans and leases to core deposits | 91.4128% | 2,383 |
| Total domestic deposits to total assets | 81.2357% | 4,122 |
| Equity capital to assets | 15.5957% | 590 |
| Core capital (leverage) ratio | 15.4432% | 557 |
| Tier 1 risk-based capital ratio | 27.6475% | 569 |
| Total risk-based capital ratio | 28.1090% | 602 |
| Memoranda: | ||
| Average total assets | $77,251,000 | 4,720 |
| Average earning assets | $72,264,000 | 4,691 |
| Average equity | $12,076,330 | 4,172 |
| Average total loans | $55,627,000 | 4,364 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,186 |
| Cost of funding earning assets | 0.6128% | 1,283 |
| Net interest margin | 3.9666% | 1,564 |
| Noninterest income to average assets | 0.2186% | 4,963 |
| Noninterest expense to average assets | 3.1495% | 1,741 |
| Loan and lease loss provision to assets | 0.0729% | 2,349 |
| Net operating income to assets | 0.6403% | 3,981 |
| Return on assets (ROA) | 0.6403% | 4,020 |
| Pretax return on assets | 0.7028% | 4,443 |
| Return on Equity (ROE) | 4.0911% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.0911% | 3,413 |
| Net charge-offs to loans | 0.1561% | 1,032 |
| Credit loss provision to net charge-offs | 63.6364% | 1,880 |
| Earnings coverage of net charge-offs (x) | 6.7727% | 2,193 |
| Efficiency ratio | 78.3820% | 1,577 |
| Assets per employee ($millions) | 5.1718% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2975% | 5,742 |
| Loan loss allowance to noncurrent loans | 85.2041% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 2,926 |
| Noncurrent loans to loans | 0.3492% | 3,846 |
| Net loans and leases to total assets | 72.1425% | 2,052 |
| Net loans and leases to deposits | 88.8462% | 1,686 |
| Net loans and leases to core deposits | 95.9735% | 1,822 |
| Total domestic deposits to total assets | 81.1993% | 4,373 |
| Equity capital to assets | 15.6193% | 556 |
| Core capital (leverage) ratio | 15.7626% | 495 |
| Tier 1 risk-based capital ratio | 26.2073% | 673 |
| Total risk-based capital ratio | 26.5719% | 729 |
| Memoranda: | ||
| Average total assets | $76,837,000 | 4,774 |
| Average earning assets | $71,799,000 | 4,751 |
| Average equity | $12,026,000 | 4,209 |
| Average total loans | $56,376,000 | 4,390 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 1,989 |
| Cost of funding earning assets | 0.5680% | 1,555 |
| Net interest margin | 3.7793% | 2,394 |
| Noninterest income to average assets | 0.3205% | 4,450 |
| Noninterest expense to average assets | 3.1043% | 2,022 |
| Loan and lease loss provision to assets | 0.1060% | 2,281 |
| Net operating income to assets | 0.5534% | 4,422 |
| Return on assets (ROA) | 0.5555% | 4,518 |
| Pretax return on assets | 0.6730% | 4,572 |
| Return on Equity (ROE) | 3.6694% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.6694% | 3,302 |
| Net charge-offs to loans | 0.0459% | 3,121 |
| Credit loss provision to net charge-offs | 319.2308% | 933 |
| Earnings coverage of net charge-offs (x) | 23.3846% | 1,684 |
| Efficiency ratio | 78.2165% | 1,665 |
| Assets per employee ($millions) | 5.0731% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3091% | 5,793 |
| Loan loss allowance to noncurrent loans | 38.7168% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 2,701 |
| Noncurrent loans to loans | 0.7983% | 2,516 |
| Net loans and leases to total assets | 74.1738% | 1,824 |
| Net loans and leases to deposits | 91.6314% | 1,496 |
| Net loans and leases to core deposits | 99.6205% | 1,648 |
| Total domestic deposits to total assets | 80.9480% | 4,350 |
| Equity capital to assets | 15.6839% | 539 |
| Core capital (leverage) ratio | 15.3145% | 557 |
| Tier 1 risk-based capital ratio | 26.8476% | 628 |
| Total risk-based capital ratio | 27.2435% | 682 |
| Memoranda: | ||
| Average total assets | $78,311,400 | 4,759 |
| Average earning assets | $73,770,200 | 4,720 |
| Average equity | $11,854,800 | 4,269 |
| Average total loans | $56,594,000 | 4,395 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,055 |
| Cost of funding earning assets | 0.5535% | 1,659 |
| Net interest margin | 3.7815% | 2,404 |
| Noninterest income to average assets | 0.3178% | 4,497 |
| Noninterest expense to average assets | 3.1023% | 2,023 |
| Loan and lease loss provision to assets | 0.1099% | 2,094 |
| Net operating income to assets | 0.5736% | 4,401 |
| Return on assets (ROA) | 0.5765% | 4,499 |
| Pretax return on assets | 0.6779% | 4,674 |
| Return on Equity (ROE) | 3.8417% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.8417% | 3,573 |
| Net charge-offs to loans | 0.1131% | 1,815 |
| Credit loss provision to net charge-offs | 135.4167% | 1,917 |
| Earnings coverage of net charge-offs (x) | 9.6664% | 2,664 |
| Efficiency ratio | 77.4685% | 1,765 |
| Assets per employee ($millions) | 5.1797% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2314% | 5,882 |
| Loan loss allowance to noncurrent loans | 25.8621% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 2,691 |
| Noncurrent loans to loans | 0.8949% | 2,466 |
| Net loans and leases to total assets | 74.9019% | 1,722 |
| Net loans and leases to deposits | 92.3100% | 1,459 |
| Net loans and leases to core deposits | 100.1480% | 1,620 |
| Total domestic deposits to total assets | 81.1416% | 4,215 |
| Equity capital to assets | 15.4901% | 630 |
| Core capital (leverage) ratio | 15.0218% | 630 |
| Tier 1 risk-based capital ratio | 25.6715% | 746 |
| Total risk-based capital ratio | 25.9660% | 827 |
| Memoranda: | ||
| Average total assets | $78,865,000 | 4,788 |
| Average earning assets | $74,431,000 | 4,749 |
| Average equity | $11,834,750 | 4,312 |
| Average total loans | $56,587,750 | 4,424 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,066 |
| Cost of funding earning assets | 0.5335% | 1,841 |
| Net interest margin | 3.7934% | 2,345 |
| Noninterest income to average assets | 0.3735% | 4,077 |
| Noninterest expense to average assets | 3.1418% | 1,949 |
| Loan and lease loss provision to assets | 0.0883% | 2,376 |
| Net operating income to assets | 0.6485% | 4,046 |
| Return on assets (ROA) | 0.6485% | 4,191 |
| Pretax return on assets | 0.7318% | 4,527 |
| Return on Equity (ROE) | 4.3678% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.3678% | 3,136 |
| Net charge-offs to loans | 0.1857% | 1,234 |
| Credit loss provision to net charge-offs | 67.3077% | 2,503 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,768 |
| Efficiency ratio | 77.0064% | 1,931 |
| Assets per employee ($millions) | 4.9280% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1791% | 5,978 |
| Loan loss allowance to noncurrent loans | 19.3548% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 2,634 |
| Noncurrent loans to loans | 0.9251% | 2,419 |
| Net loans and leases to total assets | 72.1185% | 2,145 |
| Net loans and leases to deposits | 88.4410% | 1,924 |
| Net loans and leases to core deposits | 95.7984% | 1,994 |
| Total domestic deposits to total assets | 81.5442% | 4,128 |
| Equity capital to assets | 15.2065% | 690 |
| Core capital (leverage) ratio | 14.6790% | 671 |
| Tier 1 risk-based capital ratio | 26.4418% | 696 |
| Total risk-based capital ratio | 26.6729% | 756 |
| Memoranda: | ||
| Average total assets | $79,255,000 | 4,833 |
| Average earning assets | $74,972,000 | 4,785 |
| Average equity | $11,768,000 | 4,356 |
| Average total loans | $56,007,000 | 4,470 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 1,883 |
| Cost of funding earning assets | 0.5136% | 1,997 |
| Net interest margin | 3.8599% | 2,072 |
| Noninterest income to average assets | 0.4380% | 3,558 |
| Noninterest expense to average assets | 3.3326% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5689% | 4,322 |
| Return on assets (ROA) | 0.5689% | 4,431 |
| Pretax return on assets | 0.7752% | 4,284 |
| Return on Equity (ROE) | 3.8775% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.8775% | 3,560 |
| Net charge-offs to loans | 0.1585% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,187 |
| Efficiency ratio | 78.9216% | 1,765 |
| Assets per employee ($millions) | 4.7096% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1801% | 6,043 |
| Loan loss allowance to noncurrent loans | 16.9877% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 2,700 |
| Noncurrent loans to loans | 1.0600% | 2,272 |
| Net loans and leases to total assets | 67.1625% | 2,786 |
| Net loans and leases to deposits | 83.1486% | 2,413 |
| Net loans and leases to core deposits | 90.0343% | 2,369 |
| Total domestic deposits to total assets | 80.7741% | 4,560 |
| Equity capital to assets | 14.6645% | 785 |
| Core capital (leverage) ratio | 14.3767% | 721 |
| Tier 1 risk-based capital ratio | 26.6438% | 691 |
| Total risk-based capital ratio | 26.8683% | 748 |
| Memoranda: | ||
| Average total assets | $79,458,500 | 4,869 |
| Average earning assets | $75,546,000 | 4,815 |
| Average equity | $11,657,000 | 4,393 |
| Average total loans | $55,527,500 | 4,511 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,365 |
| Cost of funding earning assets | 0.4143% | 3,001 |
| Net interest margin | 3.8423% | 2,227 |
| Noninterest income to average assets | 0.3818% | 4,175 |
| Noninterest expense to average assets | 3.3232% | 1,666 |
| Loan and lease loss provision to assets | 0.0250% | 3,886 |
| Net operating income to assets | 0.5247% | 4,601 |
| Return on assets (ROA) | 0.5635% | 4,539 |
| Pretax return on assets | 0.7873% | 4,227 |
| Return on Equity (ROE) | 3.7690% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.7690% | 3,359 |
| Net charge-offs to loans | 0.0427% | 3,367 |
| Credit loss provision to net charge-offs | 86.3636% | 2,824 |
| Earnings coverage of net charge-offs (x) | 26.1818% | 1,598 |
| Efficiency ratio | 78.5806% | 1,874 |
| Assets per employee ($millions) | 4.6384% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2063% | 6,088 |
| Loan loss allowance to noncurrent loans | 17.6647% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 2,317 |
| Noncurrent loans to loans | 1.1681% | 2,026 |
| Net loans and leases to total assets | 72.3714% | 1,986 |
| Net loans and leases to deposits | 89.6772% | 1,655 |
| Net loans and leases to core deposits | 95.9916% | 1,852 |
| Total domestic deposits to total assets | 80.7021% | 4,568 |
| Equity capital to assets | 14.6767% | 740 |
| Core capital (leverage) ratio | 14.7963% | 656 |
| Tier 1 risk-based capital ratio | 26.3533% | 720 |
| Total risk-based capital ratio | 26.6249% | 767 |
| Memoranda: | ||
| Average total assets | $75,951,200 | 4,949 |
| Average earning assets | $73,133,800 | 4,876 |
| Average equity | $11,355,800 | 4,415 |
| Average total loans | $51,555,000 | 4,616 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,451 |
| Cost of funding earning assets | 0.4126% | 3,091 |
| Net interest margin | 3.8255% | 2,285 |
| Noninterest income to average assets | 0.4413% | 3,781 |
| Noninterest expense to average assets | 3.2860% | 1,722 |
| Loan and lease loss provision to assets | 0.0337% | 3,548 |
| Net operating income to assets | 0.5665% | 4,543 |
| Return on assets (ROA) | 0.6168% | 4,409 |
| Pretax return on assets | 0.8738% | 4,075 |
| Return on Equity (ROE) | 4.1056% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.1056% | 3,542 |
| Net charge-offs to loans | 0.0266% | 3,412 |
| Credit loss provision to net charge-offs | 190.0000% | 1,393 |
| Earnings coverage of net charge-offs (x) | 47.2108% | 1,099 |
| Efficiency ratio | 76.6982% | 2,129 |
| Assets per employee ($millions) | 4.2618% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2426% | 6,165 |
| Loan loss allowance to noncurrent loans | 19.9695% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 2,416 |
| Noncurrent loans to loans | 1.2150% | 2,104 |
| Net loans and leases to total assets | 70.2107% | 2,357 |
| Net loans and leases to deposits | 86.3529% | 2,109 |
| Net loans and leases to core deposits | 90.9905% | 2,358 |
| Total domestic deposits to total assets | 81.3067% | 4,390 |
| Equity capital to assets | 14.9403% | 749 |
| Core capital (leverage) ratio | 15.0448% | 630 |
| Tier 1 risk-based capital ratio | 27.4303% | 657 |
| Total risk-based capital ratio | 27.7465% | 712 |
| Memoranda: | ||
| Average total assets | $75,225,750 | 5,021 |
| Average earning assets | $72,389,750 | 4,944 |
| Average equity | $11,301,500 | 4,477 |
| Average total loans | $50,147,500 | 4,708 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,508 |
| Cost of funding earning assets | 0.4147% | 3,104 |
| Net interest margin | 3.7960% | 2,329 |
| Noninterest income to average assets | 0.5246% | 3,200 |
| Noninterest expense to average assets | 3.2597% | 1,820 |
| Loan and lease loss provision to assets | 0.0508% | 3,103 |
| Net operating income to assets | 0.5979% | 4,351 |
| Return on assets (ROA) | 0.6717% | 4,133 |
| Pretax return on assets | 0.9715% | 3,689 |
| Return on Equity (ROE) | 4.4629% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.4629% | 3,171 |
| Net charge-offs to loans | 0.2456% | 1,059 |
| Credit loss provision to net charge-offs | 31.6667% | 2,910 |
| Earnings coverage of net charge-offs (x) | 5.7000% | 2,899 |
| Efficiency ratio | 75.1282% | 2,523 |
| Assets per employee ($millions) | 3.8555% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1608% | 6,256 |
| Loan loss allowance to noncurrent loans | 12.5000% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 2,191 |
| Noncurrent loans to loans | 1.2865% | 2,100 |
| Net loans and leases to total assets | 68.6488% | 2,544 |
| Net loans and leases to deposits | 81.8969% | 2,564 |
| Net loans and leases to core deposits | 83.4905% | 3,031 |
| Total domestic deposits to total assets | 83.8234% | 3,642 |
| Equity capital to assets | 15.4654% | 614 |
| Core capital (leverage) ratio | 14.9601% | 623 |
| Tier 1 risk-based capital ratio | 29.9784% | 549 |
| Total risk-based capital ratio | 30.1942% | 588 |
| Memoranda: | ||
| Average total assets | $74,730,330 | 5,081 |
| Average earning assets | $71,865,330 | 5,002 |
| Average equity | $11,248,330 | 4,523 |
| Average total loans | $48,866,330 | 4,788 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 2,797 |
| Cost of funding earning assets | 0.4185% | 3,095 |
| Net interest margin | 3.6890% | 2,660 |
| Noninterest income to average assets | 0.4929% | 3,328 |
| Noninterest expense to average assets | 3.2543% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5512% | 4,475 |
| Return on assets (ROA) | 0.5512% | 4,587 |
| Pretax return on assets | 0.7897% | 4,279 |
| Return on Equity (ROE) | 3.7116% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.7116% | 3,785 |
| Net charge-offs to loans | 0.1829% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.7727% | 2,249 |
| Efficiency ratio | 80.4718% | 1,835 |
| Assets per employee ($millions) | 3.9823% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2004% | 6,322 |
| Loan loss allowance to noncurrent loans | 10.7259% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 1,880 |
| Noncurrent loans to loans | 1.8687% | 1,439 |
| Net loans and leases to total assets | 65.1486% | 2,908 |
| Net loans and leases to deposits | 78.4312% | 2,746 |
| Net loans and leases to core deposits | 79.8814% | 3,181 |
| Total domestic deposits to total assets | 83.0646% | 4,162 |
| Equity capital to assets | 14.9093% | 731 |
| Core capital (leverage) ratio | 14.4629% | 698 |
| Tier 1 risk-based capital ratio | 29.8963% | 543 |
| Total risk-based capital ratio | 30.1630% | 587 |
| Memoranda: | ||
| Average total assets | $75,468,500 | 5,121 |
| Average earning assets | $72,648,000 | 5,040 |
| Average equity | $11,208,000 | 4,557 |
| Average total loans | $48,115,000 | 4,842 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 3,219 |
| Cost of funding earning assets | 0.5667% | 2,075 |
| Net interest margin | 3.5593% | 3,559 |
| Noninterest income to average assets | 2.2308% | 291 |
| Noninterest expense to average assets | 3.6028% | 1,301 |
| Loan and lease loss provision to assets | 0.0018% | 4,574 |
| Net operating income to assets | 2.0057% | 322 |
| Return on assets (ROA) | 2.0057% | 337 |
| Pretax return on assets | 2.0525% | 462 |
| Return on Equity (ROE) | 13.9292% | 944 |
| Retained earnings to average equity (ytd only) | 13.9292% | 181 |
| Net charge-offs to loans | 0.2110% | 1,977 |
| Credit loss provision to net charge-offs | 1.2195% | 4,194 |
| Earnings coverage of net charge-offs (x) | 13.9146% | 2,225 |
| Efficiency ratio | 63.6856% | 4,631 |
| Assets per employee ($millions) | 3.9624% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2605% | 6,396 |
| Loan loss allowance to noncurrent loans | 11.6858% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7254% | 1,541 |
| Noncurrent loans to loans | 2.2290% | 1,189 |
| Net loans and leases to total assets | 62.0500% | 3,492 |
| Net loans and leases to deposits | 74.9070% | 3,325 |
| Net loans and leases to core deposits | 76.2993% | 3,674 |
| Total domestic deposits to total assets | 82.8361% | 4,131 |
| Equity capital to assets | 14.7929% | 738 |
| Core capital (leverage) ratio | 14.3614% | 738 |
| Tier 1 risk-based capital ratio | 29.0961% | 559 |
| Total risk-based capital ratio | 29.4261% | 594 |
| Memoranda: | ||
| Average total assets | $55,540,800 | 5,659 |
| Average earning assets | $53,465,400 | 5,580 |
| Average equity | $7,997,600 | 5,203 |
| Average total loans | $38,866,600 | 5,221 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 3,473 |
| Cost of funding earning assets | 0.5884% | 1,941 |
| Net interest margin | 3.4864% | 3,883 |
| Noninterest income to average assets | 3.1380% | 181 |
| Noninterest expense to average assets | 3.5358% | 1,402 |
| Loan and lease loss provision to assets | -0.0764% | 6,239 |
| Net operating income to assets | 2.9667% | 96 |
| Return on assets (ROA) | 2.9667% | 95 |
| Pretax return on assets | 3.0352% | 113 |
| Return on Equity (ROE) | 20.8145% | 237 |
| Retained earnings to average equity (ytd only) | 20.8145% | 62 |
| Net charge-offs to loans | 0.0506% | 3,493 |
| Credit loss provision to net charge-offs | -207.1429% | 5,569 |
| Earnings coverage of net charge-offs (x) | 80.1982% | 703 |
| Efficiency ratio | 54.4422% | 5,781 |
| Assets per employee ($millions) | 4.0109% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3505% | 6,437 |
| Loan loss allowance to noncurrent loans | 16.2577% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5458% | 1,988 |
| Noncurrent loans to loans | 2.1562% | 1,423 |
| Net loans and leases to total assets | 59.3108% | 3,887 |
| Net loans and leases to deposits | 71.0788% | 3,782 |
| Net loans and leases to core deposits | 72.3705% | 4,116 |
| Total domestic deposits to total assets | 83.4438% | 3,974 |
| Equity capital to assets | 14.6089% | 830 |
| Core capital (leverage) ratio | 14.1711% | 802 |
| Tier 1 risk-based capital ratio | 29.8422% | 534 |
| Total risk-based capital ratio | 30.2839% | 568 |
| Memoranda: | ||
| Average total assets | $50,604,500 | 5,839 |
| Average earning assets | $48,721,250 | 5,774 |
| Average equity | $7,212,750 | 5,417 |
| Average total loans | $36,874,000 | 5,350 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 1,313 |
| Cost of funding earning assets | 0.7010% | 1,187 |
| Net interest margin | 3.9837% | 1,863 |
| Noninterest income to average assets | 0.2852% | 5,140 |
| Noninterest expense to average assets | 3.7366% | 1,072 |
| Loan and lease loss provision to assets | -0.1379% | 6,414 |
| Net operating income to assets | 0.3613% | 5,368 |
| Return on assets (ROA) | 0.3613% | 5,438 |
| Pretax return on assets | 0.5229% | 5,213 |
| Return on Equity (ROE) | 2.5737% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.5737% | 4,565 |
| Net charge-offs to loans | -0.0352% | 5,743 |
| Credit loss provision to net charge-offs | 483.3333% | 608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6574% | 862 |
| Assets per employee ($millions) | 3.7189% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5175% | 6,394 |
| Loan loss allowance to noncurrent loans | 79.9107% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 4,349 |
| Noncurrent loans to loans | 0.6476% | 4,089 |
| Net loans and leases to total assets | 84.1205% | 290 |
| Net loans and leases to deposits | 103.6194% | 378 |
| Net loans and leases to core deposits | 105.2355% | 946 |
| Total domestic deposits to total assets | 81.1822% | 4,923 |
| Equity capital to assets | 14.5937% | 796 |
| Core capital (leverage) ratio | 14.6389% | 667 |
| Tier 1 risk-based capital ratio | 22.8494% | 1,133 |
| Total risk-based capital ratio | 23.5326% | 1,203 |
| Memoranda: | ||
| Average total assets | $42,070,330 | 6,105 |
| Average earning assets | $40,515,000 | 6,033 |
| Average equity | $5,906,000 | 5,734 |
| Average total loans | $34,046,000 | 5,490 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 1,464 |
| Cost of funding earning assets | 0.7108% | 1,184 |
| Net interest margin | 3.9045% | 2,068 |
| Noninterest income to average assets | 0.2907% | 5,048 |
| Noninterest expense to average assets | 3.5825% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3282% | 5,399 |
| Return on assets (ROA) | 0.3282% | 5,448 |
| Pretax return on assets | 0.4689% | 5,260 |
| Return on Equity (ROE) | 2.3834% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.3834% | 4,647 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4259% | 1,186 |
| Assets per employee ($millions) | 3.8624% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 6,416 |
| Loan loss allowance to noncurrent loans | 77.9923% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 4,309 |
| Noncurrent loans to loans | 0.7602% | 3,966 |
| Net loans and leases to total assets | 79.7157% | 584 |
| Net loans and leases to deposits | 97.0875% | 592 |
| Net loans and leases to core deposits | 98.5251% | 1,202 |
| Total domestic deposits to total assets | 82.1070% | 4,909 |
| Equity capital to assets | 13.9034% | 950 |
| Core capital (leverage) ratio | 13.9824% | 825 |
| Tier 1 risk-based capital ratio | 22.7485% | 1,171 |
| Total risk-based capital ratio | 23.5213% | 1,230 |
| Memoranda: | ||
| Average total assets | $42,651,500 | 6,153 |
| Average earning assets | $41,081,000 | 6,081 |
| Average equity | $5,874,000 | 5,779 |
| Average total loans | $33,773,500 | 5,555 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,605 |
| Cost of funding earning assets | 0.8297% | 1,039 |
| Net interest margin | 3.8575% | 2,440 |
| Noninterest income to average assets | 0.5531% | 3,383 |
| Noninterest expense to average assets | 3.4013% | 1,878 |
| Loan and lease loss provision to assets | -0.0390% | 6,351 |
| Net operating income to assets | 0.6312% | 4,107 |
| Return on assets (ROA) | 0.6312% | 4,220 |
| Pretax return on assets | 0.9043% | 3,751 |
| Return on Equity (ROE) | 4.7766% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.7766% | 2,749 |
| Net charge-offs to loans | 0.0528% | 4,485 |
| Credit loss provision to net charge-offs | -94.4444% | 5,865 |
| Earnings coverage of net charge-offs (x) | 20.9444% | 1,516 |
| Efficiency ratio | 79.7203% | 2,195 |
| Assets per employee ($millions) | 3.8925% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 6,467 |
| Loan loss allowance to noncurrent loans | 88.9868% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 4,649 |
| Noncurrent loans to loans | 0.6781% | 4,280 |
| Net loans and leases to total assets | 77.7145% | 859 |
| Net loans and leases to deposits | 94.2581% | 860 |
| Net loans and leases to core deposits | 95.6343% | 1,478 |
| Total domestic deposits to total assets | 82.4486% | 4,727 |
| Equity capital to assets | 13.6418% | 1,017 |
| Core capital (leverage) ratio | 13.7807% | 883 |
| Tier 1 risk-based capital ratio | 22.9247% | 1,109 |
| Total risk-based capital ratio | 23.7083% | 1,160 |
| Memoranda: | ||
| Average total assets | $43,571,000 | 6,186 |
| Average earning assets | $41,944,400 | 6,113 |
| Average equity | $5,757,200 | 5,867 |
| Average total loans | $34,082,200 | 5,580 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 1,562 |
| Cost of funding earning assets | 0.8577% | 1,001 |
| Net interest margin | 3.8552% | 2,441 |
| Noninterest income to average assets | 0.6094% | 3,086 |
| Noninterest expense to average assets | 3.3394% | 1,981 |
| Loan and lease loss provision to assets | -0.0518% | 6,553 |
| Net operating income to assets | 0.7130% | 3,797 |
| Return on assets (ROA) | 0.7130% | 3,925 |
| Pretax return on assets | 1.0329% | 3,363 |
| Return on Equity (ROE) | 5.4389% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.4389% | 2,768 |
| Net charge-offs to loans | 0.0779% | 3,830 |
| Credit loss provision to net charge-offs | -85.0000% | 5,758 |
| Earnings coverage of net charge-offs (x) | 16.0975% | 1,826 |
| Efficiency ratio | 77.2920% | 2,513 |
| Assets per employee ($millions) | 3.9667% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5951% | 6,566 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 5,053 |
| Noncurrent loans to loans | 0.5951% | 4,712 |
| Net loans and leases to total assets | 76.5664% | 928 |
| Net loans and leases to deposits | 93.8903% | 835 |
| Net loans and leases to core deposits | 95.2447% | 1,450 |
| Total domestic deposits to total assets | 81.5488% | 5,068 |
| Equity capital to assets | 13.3038% | 1,199 |
| Core capital (leverage) ratio | 13.4308% | 1,053 |
| Tier 1 risk-based capital ratio | 22.6506% | 1,203 |
| Total risk-based capital ratio | 23.4225% | 1,269 |
| Memoranda: | ||
| Average total assets | $43,759,500 | 6,251 |
| Average earning assets | $42,124,250 | 6,176 |
| Average equity | $5,736,250 | 5,939 |
| Average total loans | $34,233,500 | 5,626 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 1,322 |
| Cost of funding earning assets | 0.8922% | 939 |
| Net interest margin | 3.9103% | 2,183 |
| Noninterest income to average assets | 0.7671% | 2,342 |
| Noninterest expense to average assets | 3.3378% | 1,972 |
| Loan and lease loss provision to assets | 0.1370% | 2,614 |
| Net operating income to assets | 0.7260% | 3,689 |
| Return on assets (ROA) | 0.7260% | 3,855 |
| Pretax return on assets | 1.0548% | 3,277 |
| Return on Equity (ROE) | 5.5659% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.5659% | 2,696 |
| Net charge-offs to loans | 0.0290% | 4,288 |
| Credit loss provision to net charge-offs | 600.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 52.2000% | 780 |
| Efficiency ratio | 73.6895% | 3,185 |
| Assets per employee ($millions) | 3.9370% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 6,406 |
| Loan loss allowance to noncurrent loans | 436.6667% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 5,567 |
| Noncurrent loans to loans | 0.1767% | 5,875 |
| Net loans and leases to total assets | 77.8050% | 774 |
| Net loans and leases to deposits | 95.3533% | 714 |
| Net loans and leases to core deposits | 96.7358% | 1,293 |
| Total domestic deposits to total assets | 81.5965% | 5,182 |
| Equity capital to assets | 13.2681% | 1,233 |
| Core capital (leverage) ratio | 13.3641% | 1,031 |
| Tier 1 risk-based capital ratio | 22.3353% | 1,229 |
| Total risk-based capital ratio | 23.3453% | 1,244 |
| Memoranda: | ||
| Average total assets | $43,801,330 | 6,293 |
| Average earning assets | $42,145,000 | 6,221 |
| Average equity | $5,713,330 | 5,993 |
| Average total loans | $34,441,670 | 5,643 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 1,117 |
| Cost of funding earning assets | 0.9153% | 912 |
| Net interest margin | 3.9727% | 1,884 |
| Noninterest income to average assets | 0.6811% | 2,693 |
| Noninterest expense to average assets | 3.2600% | 2,185 |
| Loan and lease loss provision to assets | 0.2724% | 1,296 |
| Net operating income to assets | 0.6720% | 3,834 |
| Return on assets (ROA) | 0.6720% | 3,991 |
| Pretax return on assets | 0.9717% | 3,478 |
| Return on Equity (ROE) | 5.1957% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.1957% | 3,115 |
| Net charge-offs to loans | 0.0807% | 3,033 |
| Credit loss provision to net charge-offs | 428.5714% | 606 |
| Earnings coverage of net charge-offs (x) | 19.5714% | 1,217 |
| Efficiency ratio | 72.3790% | 3,547 |
| Assets per employee ($millions) | 4.0100% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 6,505 |
| Loan loss allowance to noncurrent loans | 129.3532% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 4,921 |
| Noncurrent loans to loans | 0.5938% | 4,953 |
| Net loans and leases to total assets | 76.1437% | 820 |
| Net loans and leases to deposits | 93.0646% | 723 |
| Net loans and leases to core deposits | 94.3826% | 1,318 |
| Total domestic deposits to total assets | 81.8182% | 5,261 |
| Equity capital to assets | 12.9766% | 1,437 |
| Core capital (leverage) ratio | 12.9569% | 1,131 |
| Tier 1 risk-based capital ratio | 22.0754% | 1,319 |
| Total risk-based capital ratio | 23.0799% | 1,337 |
| Memoranda: | ||
| Average total assets | $44,048,500 | 6,347 |
| Average earning assets | $42,389,000 | 6,267 |
| Average equity | $5,697,000 | 6,048 |
| Average total loans | $34,684,000 | 5,681 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 1,954 |
| Cost of funding earning assets | 1.1251% | 826 |
| Net interest margin | 3.7441% | 3,468 |
| Noninterest income to average assets | 1.1248% | 1,230 |
| Noninterest expense to average assets | 3.3790% | 2,108 |
| Loan and lease loss provision to assets | 0.5501% | 1,041 |
| Net operating income to assets | 0.5461% | 4,496 |
| Return on assets (ROA) | 0.7072% | 3,959 |
| Pretax return on assets | 1.0305% | 3,438 |
| Return on Equity (ROE) | 5.7092% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.7092% | 2,247 |
| Net charge-offs to loans | 0.5779% | 1,995 |
| Credit loss provision to net charge-offs | 123.7374% | 2,299 |
| Earnings coverage of net charge-offs (x) | 3.0303% | 3,915 |
| Efficiency ratio | 71.4964% | 3,519 |
| Assets per employee ($millions) | 3.9988% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6672% | 6,675 |
| Loan loss allowance to noncurrent loans | 45.1429% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1935% | 3,671 |
| Noncurrent loans to loans | 1.4780% | 3,381 |
| Net loans and leases to total assets | 80.2146% | 451 |
| Net loans and leases to deposits | 97.9621% | 509 |
| Net loans and leases to core deposits | 99.3496% | 1,062 |
| Total domestic deposits to total assets | 81.8833% | 5,138 |
| Equity capital to assets | 12.8902% | 1,496 |
| Core capital (leverage) ratio | 12.8248% | 1,189 |
| Tier 1 risk-based capital ratio | 21.0242% | 1,456 |
| Total risk-based capital ratio | 21.9081% | 1,504 |
| Memoranda: | ||
| Average total assets | $44,539,600 | 6,360 |
| Average earning assets | $42,841,200 | 6,278 |
| Average equity | $5,517,400 | 6,143 |
| Average total loans | $34,261,200 | 5,750 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 1,908 |
| Cost of funding earning assets | 1.1700% | 797 |
| Net interest margin | 3.7585% | 3,511 |
| Noninterest income to average assets | 0.9609% | 1,638 |
| Noninterest expense to average assets | 3.4647% | 1,848 |
| Loan and lease loss provision to assets | 0.5969% | 931 |
| Net operating income to assets | 0.3557% | 5,412 |
| Return on assets (ROA) | 0.5730% | 4,783 |
| Pretax return on assets | 0.8237% | 4,398 |
| Return on Equity (ROE) | 4.6720% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.6720% | 3,606 |
| Net charge-offs to loans | 0.7895% | 1,398 |
| Credit loss provision to net charge-offs | 99.5025% | 3,020 |
| Earnings coverage of net charge-offs (x) | 1.8508% | 4,338 |
| Efficiency ratio | 75.7339% | 2,715 |
| Assets per employee ($millions) | 4.0512% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5738% | 6,895 |
| Loan loss allowance to noncurrent loans | 58.3333% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 3,740 |
| Noncurrent loans to loans | 0.9837% | 4,476 |
| Net loans and leases to total assets | 73.4847% | 1,320 |
| Net loans and leases to deposits | 90.4988% | 1,099 |
| Net loans and leases to core deposits | 91.7694% | 1,805 |
| Total domestic deposits to total assets | 81.1996% | 5,298 |
| Equity capital to assets | 12.4520% | 1,926 |
| Core capital (leverage) ratio | 12.3813% | 1,456 |
| Tier 1 risk-based capital ratio | 22.0820% | 1,318 |
| Total risk-based capital ratio | 22.8391% | 1,378 |
| Memoranda: | ||
| Average total assets | $44,677,750 | 6,429 |
| Average earning assets | $42,959,750 | 6,343 |
| Average equity | $5,479,250 | 6,223 |
| Average total loans | $33,946,250 | 5,835 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 1,928 |
| Cost of funding earning assets | 1.2083% | 782 |
| Net interest margin | 3.7409% | 3,634 |
| Noninterest income to average assets | 0.6262% | 3,093 |
| Noninterest expense to average assets | 3.5155% | 1,750 |
| Loan and lease loss provision to assets | 0.7604% | 685 |
| Net operating income to assets | -0.0351% | 6,366 |
| Return on assets (ROA) | 0.2952% | 5,839 |
| Pretax return on assets | 0.4160% | 5,670 |
| Return on Equity (ROE) | 2.4194% | 5,910 |
| Retained earnings to average equity (ytd only) | 2.4194% | 4,982 |
| Net charge-offs to loans | 1.0968% | 990 |
| Credit loss provision to net charge-offs | 90.4255% | 3,036 |
| Earnings coverage of net charge-offs (x) | 0.8457% | 4,633 |
| Efficiency ratio | 83.1746% | 1,727 |
| Assets per employee ($millions) | 3.7240% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5167% | 7,008 |
| Loan loss allowance to noncurrent loans | 43.3249% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 1.3113% | 3,807 |
| Noncurrent loans to loans | 1.1925% | 4,165 |
| Net loans and leases to total assets | 74.1116% | 1,228 |
| Net loans and leases to deposits | 89.9069% | 1,156 |
| Net loans and leases to core deposits | 90.5237% | 1,932 |
| Total domestic deposits to total assets | 82.4315% | 4,971 |
| Equity capital to assets | 12.1173% | 2,056 |
| Core capital (leverage) ratio | 12.0682% | 1,569 |
| Tier 1 risk-based capital ratio | 21.1938% | 1,442 |
| Total risk-based capital ratio | 21.8701% | 1,532 |
| Memoranda: | ||
| Average total assets | $44,716,000 | 6,471 |
| Average earning assets | $43,037,330 | 6,380 |
| Average equity | $5,456,000 | 6,253 |
| Average total loans | $34,283,000 | 5,859 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 1,842 |
| Cost of funding earning assets | 1.2255% | 868 |
| Net interest margin | 3.7879% | 3,447 |
| Noninterest income to average assets | 0.3130% | 5,379 |
| Noninterest expense to average assets | 3.5144% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3219% | 5,584 |
| Return on assets (ROA) | 0.3219% | 5,752 |
| Pretax return on assets | 0.4471% | 5,592 |
| Return on Equity (ROE) | 2.6294% | 5,854 |
| Retained earnings to average equity (ytd only) | 2.6294% | 4,944 |
| Net charge-offs to loans | 0.1495% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.8462% | 2,728 |
| Efficiency ratio | 88.7133% | 1,205 |
| Assets per employee ($millions) | 3.7651% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5276% | 7,046 |
| Loan loss allowance to noncurrent loans | 20.2299% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 1.9256% | 3,011 |
| Noncurrent loans to loans | 2.6081% | 2,490 |
| Net loans and leases to total assets | 73.4424% | 1,144 |
| Net loans and leases to deposits | 88.5444% | 1,103 |
| Net loans and leases to core deposits | 89.1390% | 1,937 |
| Total domestic deposits to total assets | 82.9442% | 4,952 |
| Equity capital to assets | 12.1578% | 1,940 |
| Core capital (leverage) ratio | 11.8652% | 1,667 |
| Tier 1 risk-based capital ratio | 22.1561% | 1,262 |
| Total risk-based capital ratio | 22.8836% | 1,329 |
| Memoranda: | ||
| Average total assets | $44,730,000 | 6,517 |
| Average earning assets | $43,084,000 | 6,425 |
| Average equity | $5,476,500 | 6,287 |
| Average total loans | $34,779,000 | 5,882 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 1,934 |
| Cost of funding earning assets | 1.3793% | 1,125 |
| Net interest margin | 3.8546% | 3,547 |
| Noninterest income to average assets | 0.2917% | 5,450 |
| Noninterest expense to average assets | 3.3430% | 2,379 |
| Loan and lease loss provision to assets | 0.5401% | 1,945 |
| Net operating income to assets | 0.0957% | 5,874 |
| Return on assets (ROA) | 0.0957% | 5,990 |
| Pretax return on assets | 0.1276% | 5,926 |
| Return on Equity (ROE) | 0.7720% | 6,008 |
| Retained earnings to average equity (ytd only) | 0.7720% | 5,490 |
| Net charge-offs to loans | 0.5037% | 2,979 |
| Credit loss provision to net charge-offs | 133.8983% | 2,260 |
| Earnings coverage of net charge-offs (x) | 1.6554% | 4,528 |
| Efficiency ratio | 83.3523% | 1,838 |
| Assets per employee ($millions) | 3.6899% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5249% | 7,086 |
| Loan loss allowance to noncurrent loans | 28.3159% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 1.8564% | 3,179 |
| Noncurrent loans to loans | 1.8536% | 3,407 |
| Net loans and leases to total assets | 81.3252% | 385 |
| Net loans and leases to deposits | 98.4122% | 530 |
| Net loans and leases to core deposits | 100.1502% | 1,163 |
| Total domestic deposits to total assets | 82.6374% | 4,904 |
| Equity capital to assets | 12.3309% | 1,889 |
| Core capital (leverage) ratio | 12.0931% | 1,541 |
| Tier 1 risk-based capital ratio | 21.8206% | 1,260 |
| Total risk-based capital ratio | 22.5983% | 1,322 |
| Memoranda: | ||
| Average total assets | $43,882,400 | 6,543 |
| Average earning assets | $42,339,000 | 6,451 |
| Average equity | $5,440,400 | 6,310 |
| Average total loans | $35,139,800 | 5,907 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 2,021 |
| Cost of funding earning assets | 1.4062% | 1,214 |
| Net interest margin | 3.8465% | 3,633 |
| Noninterest income to average assets | 0.1827% | 6,289 |
| Noninterest expense to average assets | 3.1488% | 3,001 |
| Loan and lease loss provision to assets | 0.3624% | 2,692 |
| Net operating income to assets | 0.2680% | 5,519 |
| Return on assets (ROA) | 0.2680% | 5,674 |
| Pretax return on assets | 0.3867% | 5,507 |
| Return on Equity (ROE) | 2.1586% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.1586% | 5,047 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7813% | 2,149 |
| Assets per employee ($millions) | 3.7805% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 6,997 |
| Loan loss allowance to noncurrent loans | 47.6099% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1528% | 4,483 |
| Noncurrent loans to loans | 1.4229% | 4,161 |
| Net loans and leases to total assets | 80.4700% | 472 |
| Net loans and leases to deposits | 97.1369% | 626 |
| Net loans and leases to core deposits | 98.7877% | 1,361 |
| Total domestic deposits to total assets | 82.8418% | 4,744 |
| Equity capital to assets | 12.1721% | 2,126 |
| Core capital (leverage) ratio | 11.9119% | 1,758 |
| Tier 1 risk-based capital ratio | 21.8582% | 1,319 |
| Total risk-based capital ratio | 22.8703% | 1,318 |
| Memoranda: | ||
| Average total assets | $43,783,250 | 6,604 |
| Average earning assets | $42,288,250 | 6,508 |
| Average equity | $5,435,500 | 6,359 |
| Average total loans | $34,874,750 | 5,974 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2598% | 2,029 |
| Cost of funding earning assets | 1.4406% | 1,230 |
| Net interest margin | 3.8192% | 3,694 |
| Noninterest income to average assets | 0.1248% | 6,705 |
| Noninterest expense to average assets | 3.2366% | 2,785 |
| Loan and lease loss provision to assets | 0.3144% | 2,909 |
| Net operating income to assets | 0.1849% | 5,796 |
| Return on assets (ROA) | 0.1849% | 5,895 |
| Pretax return on assets | 0.2635% | 5,768 |
| Return on Equity (ROE) | 1.4797% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.4797% | 5,241 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8485% | 1,719 |
| Assets per employee ($millions) | 4.0255% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 7,195 |
| Loan loss allowance to noncurrent loans | 105.3191% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 6,082 |
| Noncurrent loans to loans | 0.5236% | 5,858 |
| Net loans and leases to total assets | 80.6414% | 482 |
| Net loans and leases to deposits | 97.6589% | 613 |
| Net loans and leases to core deposits | 99.2854% | 1,407 |
| Total domestic deposits to total assets | 82.5745% | 4,956 |
| Equity capital to assets | 12.3216% | 1,889 |
| Core capital (leverage) ratio | 12.0875% | 1,559 |
| Tier 1 risk-based capital ratio | 22.1801% | 1,228 |
| Total risk-based capital ratio | 23.0042% | 1,266 |
| Memoranda: | ||
| Average total assets | $43,255,670 | 6,669 |
| Average earning assets | $41,789,000 | 6,574 |
| Average equity | $5,406,670 | 6,400 |
| Average total loans | $34,248,000 | 6,058 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 1,908 |
| Cost of funding earning assets | 1.4815% | 1,251 |
| Net interest margin | 3.8053% | 3,590 |
| Noninterest income to average assets | 0.0936% | 6,951 |
| Noninterest expense to average assets | 3.3128% | 2,519 |
| Loan and lease loss provision to assets | 0.5802% | 1,491 |
| Net operating income to assets | -0.0749% | 6,433 |
| Return on assets (ROA) | -0.0749% | 6,453 |
| Pretax return on assets | -0.1217% | 6,467 |
| Return on Equity (ROE) | -0.5946% | 6,439 |
| Retained earnings to average equity (ytd only) | -0.5946% | 5,907 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8412% | 1,534 |
| Assets per employee ($millions) | 3.9364% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 7,236 |
| Loan loss allowance to noncurrent loans | 96.9697% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 6,073 |
| Noncurrent loans to loans | 0.5893% | 5,850 |
| Net loans and leases to total assets | 77.1524% | 855 |
| Net loans and leases to deposits | 92.6814% | 959 |
| Net loans and leases to core deposits | 94.2316% | 1,861 |
| Total domestic deposits to total assets | 83.2448% | 4,824 |
| Equity capital to assets | 12.4157% | 1,674 |
| Core capital (leverage) ratio | 12.2370% | 1,437 |
| Tier 1 risk-based capital ratio | 23.0501% | 1,074 |
| Total risk-based capital ratio | 23.8881% | 1,110 |
| Memoranda: | ||
| Average total assets | $42,743,500 | 6,736 |
| Average earning assets | $41,310,500 | 6,635 |
| Average equity | $5,382,000 | 6,427 |
| Average total loans | $33,419,000 | 6,158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4104% | 2,624 |
| Cost of funding earning assets | 1.8494% | 1,003 |
| Net interest margin | 3.5610% | 4,994 |
| Noninterest income to average assets | 0.2308% | 6,151 |
| Noninterest expense to average assets | 3.1097% | 3,412 |
| Loan and lease loss provision to assets | 0.0620% | 6,521 |
| Net operating income to assets | 0.3586% | 4,711 |
| Return on assets (ROA) | 0.3946% | 4,711 |
| Pretax return on assets | 0.5758% | 4,402 |
| Return on Equity (ROE) | 3.0025% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.0025% | 3,747 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1504% | 1,901 |
| Assets per employee ($millions) | 3.8352% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3911% | 7,430 |
| Loan loss allowance to noncurrent loans | 65.6566% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 6,108 |
| Noncurrent loans to loans | 0.5957% | 5,852 |
| Net loans and leases to total assets | 78.4815% | 878 |
| Net loans and leases to deposits | 94.9280% | 964 |
| Net loans and leases to core deposits | 97.8283% | 1,810 |
| Total domestic deposits to total assets | 82.6748% | 4,934 |
| Equity capital to assets | 12.7717% | 1,498 |
| Core capital (leverage) ratio | 12.5827% | 1,278 |
| Tier 1 risk-based capital ratio | 23.7175% | 958 |
| Total risk-based capital ratio | 24.3004% | 1,012 |
| Memoranda: | ||
| Average total assets | $40,293,000 | 6,857 |
| Average earning assets | $39,202,400 | 6,750 |
| Average equity | $5,295,600 | 6,566 |
| Average total loans | $30,448,600 | 6,371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 2,893 |
| Cost of funding earning assets | 1.9428% | 897 |
| Net interest margin | 3.4557% | 5,469 |
| Noninterest income to average assets | 0.1942% | 6,495 |
| Noninterest expense to average assets | 3.1006% | 3,334 |
| Loan and lease loss provision to assets | 0.0569% | 6,498 |
| Net operating income to assets | 0.2763% | 5,251 |
| Return on assets (ROA) | 0.3248% | 5,234 |
| Pretax return on assets | 0.4721% | 5,014 |
| Return on Equity (ROE) | 2.4529% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.4529% | 4,704 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1119% | 1,521 |
| Assets per employee ($millions) | 3.8097% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3844% | 7,545 |
| Loan loss allowance to noncurrent loans | 69.7143% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 6,377 |
| Noncurrent loans to loans | 0.5515% | 6,101 |
| Net loans and leases to total assets | 75.4337% | 1,507 |
| Net loans and leases to deposits | 91.3404% | 1,530 |
| Net loans and leases to core deposits | 92.8836% | 2,674 |
| Total domestic deposits to total assets | 82.5852% | 4,759 |
| Equity capital to assets | 12.7664% | 1,701 |
| Core capital (leverage) ratio | 12.5315% | 1,394 |
| Tier 1 risk-based capital ratio | 23.9454% | 954 |
| Total risk-based capital ratio | 24.5042% | 1,006 |
| Memoranda: | ||
| Average total assets | $39,819,500 | 6,953 |
| Average earning assets | $38,775,250 | 6,841 |
| Average equity | $5,272,500 | 6,651 |
| Average total loans | $29,751,000 | 6,493 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 3,084 |
| Cost of funding earning assets | 2.0153% | 874 |
| Net interest margin | 3.3588% | 5,804 |
| Noninterest income to average assets | 0.0613% | 7,278 |
| Noninterest expense to average assets | 3.1132% | 3,250 |
| Loan and lease loss provision to assets | 0.0613% | 6,340 |
| Net operating income to assets | 0.1129% | 5,825 |
| Return on assets (ROA) | 0.1891% | 5,720 |
| Pretax return on assets | 0.2658% | 5,612 |
| Return on Equity (ROE) | 1.4104% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.4104% | 5,173 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4049% | 1,096 |
| Assets per employee ($millions) | 3.6144% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3784% | 7,611 |
| Loan loss allowance to noncurrent loans | 100.8621% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 6,684 |
| Noncurrent loans to loans | 0.3752% | 6,489 |
| Net loans and leases to total assets | 77.4762% | 1,203 |
| Net loans and leases to deposits | 94.5835% | 1,202 |
| Net loans and leases to core deposits | 106.9289% | 1,372 |
| Total domestic deposits to total assets | 81.9131% | 5,022 |
| Equity capital to assets | 13.3332% | 1,423 |
| Core capital (leverage) ratio | 13.0660% | 1,183 |
| Tier 1 risk-based capital ratio | 24.4223% | 899 |
| Total risk-based capital ratio | 24.9752% | 953 |
| Memoranda: | ||
| Average total assets | $39,123,670 | 7,023 |
| Average earning assets | $38,108,670 | 6,923 |
| Average equity | $5,246,670 | 6,697 |
| Average total loans | $29,090,000 | 6,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3231% | 3,433 |
| Cost of funding earning assets | 2.0636% | 906 |
| Net interest margin | 3.2595% | 6,098 |
| Noninterest income to average assets | 0.0309% | 7,555 |
| Noninterest expense to average assets | 3.0923% | 3,297 |
| Loan and lease loss provision to assets | 0.0309% | 6,369 |
| Net operating income to assets | 0.0530% | 6,148 |
| Return on assets (ROA) | 0.1958% | 5,825 |
| Pretax return on assets | 0.2989% | 5,606 |
| Return on Equity (ROE) | 1.4561% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.4561% | 5,221 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4630% | 998 |
| Assets per employee ($millions) | 3.9568% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3792% | 7,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 71.7019% | 2,521 |
| Net loans and leases to deposits | 89.1469% | 2,043 |
| Net loans and leases to core deposits | 100.6421% | 2,067 |
| Total domestic deposits to total assets | 80.4312% | 5,645 |
| Equity capital to assets | 13.2456% | 1,421 |
| Core capital (leverage) ratio | 13.0596% | 1,194 |
| Tier 1 risk-based capital ratio | 25.3259% | 829 |
| Total risk-based capital ratio | 25.8571% | 879 |
| Memoranda: | ||
| Average total assets | $38,806,500 | 7,128 |
| Average earning assets | $37,797,500 | 7,026 |
| Average equity | $5,219,500 | 6,776 |
| Average total loans | $28,175,000 | 6,706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 3,167 |
| Cost of funding earning assets | 2.3429% | 1,486 |
| Net interest margin | 3.3454% | 5,569 |
| Noninterest income to average assets | 0.2449% | 6,347 |
| Noninterest expense to average assets | 3.1834% | 3,432 |
| Loan and lease loss provision to assets | 0.0197% | 7,306 |
| Net operating income to assets | 0.2139% | 4,856 |
| Return on assets (ROA) | 0.2139% | 4,917 |
| Pretax return on assets | 0.3012% | 4,756 |
| Return on Equity (ROE) | 1.4680% | 5,100 |
| Retained earnings to average equity (ytd only) | 1.4680% | 4,039 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8434% | 1,647 |
| Assets per employee ($millions) | 3.8045% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3767% | 7,776 |
| Loan loss allowance to noncurrent loans | 156.7164% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 7,036 |
| Noncurrent loans to loans | 0.2404% | 6,830 |
| Net loans and leases to total assets | 72.9820% | 2,516 |
| Net loans and leases to deposits | 91.4348% | 1,981 |
| Net loans and leases to core deposits | 103.8564% | 3,586 |
| Total domestic deposits to total assets | 79.8186% | 5,722 |
| Equity capital to assets | 13.6628% | 1,261 |
| Core capital (leverage) ratio | 13.5213% | 1,087 |
| Tier 1 risk-based capital ratio | 27.9915% | 645 |
| Total risk-based capital ratio | 28.5644% | 665 |
| Memoranda: | ||
| Average total assets | $35,528,000 | 7,259 |
| Average earning assets | $34,615,200 | 7,156 |
| Average equity | $5,177,000 | 6,879 |
| Average total loans | $26,473,200 | 6,831 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 3,219 |
| Cost of funding earning assets | 2.3993% | 1,635 |
| Net interest margin | 3.3246% | 5,544 |
| Noninterest income to average assets | 0.2827% | 6,216 |
| Noninterest expense to average assets | 3.1099% | 3,612 |
| Loan and lease loss provision to assets | 0.0267% | 7,086 |
| Net operating income to assets | 0.2560% | 4,966 |
| Return on assets (ROA) | 0.2560% | 5,053 |
| Pretax return on assets | 0.3859% | 4,834 |
| Return on Equity (ROE) | 1.7273% | 5,254 |
| Retained earnings to average equity (ytd only) | 1.7273% | 4,347 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2863% | 1,841 |
| Assets per employee ($millions) | 3.5858% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3865% | 7,835 |
| Loan loss allowance to noncurrent loans | 156.7164% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 7,062 |
| Noncurrent loans to loans | 0.2466% | 6,888 |
| Net loans and leases to total assets | 75.4727% | 2,105 |
| Net loans and leases to deposits | 96.2308% | 1,542 |
| Net loans and leases to core deposits | 111.6553% | 3,053 |
| Total domestic deposits to total assets | 78.4288% | 5,972 |
| Equity capital to assets | 14.5184% | 1,138 |
| Core capital (leverage) ratio | 14.3337% | 1,000 |
| Tier 1 risk-based capital ratio | 29.4513% | 602 |
| Total risk-based capital ratio | 30.0552% | 614 |
| Memoranda: | ||
| Average total assets | $34,898,750 | 7,341 |
| Average earning assets | $34,008,750 | 7,249 |
| Average equity | $5,171,750 | 6,943 |
| Average total loans | $26,123,750 | 6,913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 3,353 |
| Cost of funding earning assets | 2.4746% | 1,702 |
| Net interest margin | 3.2639% | 5,691 |
| Noninterest income to average assets | 0.3355% | 5,827 |
| Noninterest expense to average assets | 2.9960% | 4,096 |
| Loan and lease loss provision to assets | 0.0231% | 7,004 |
| Net operating income to assets | 0.3297% | 4,764 |
| Return on assets (ROA) | 0.3297% | 4,878 |
| Pretax return on assets | 0.4974% | 4,624 |
| Return on Equity (ROE) | 2.2092% | 5,214 |
| Retained earnings to average equity (ytd only) | 2.2092% | 4,112 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1974% | 2,332 |
| Assets per employee ($millions) | 3.4453% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3911% | 7,909 |
| Loan loss allowance to noncurrent loans | 188.8889% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 7,171 |
| Noncurrent loans to loans | 0.2071% | 6,995 |
| Net loans and leases to total assets | 75.3926% | 2,347 |
| Net loans and leases to deposits | 96.9542% | 1,660 |
| Net loans and leases to core deposits | 111.9660% | 3,138 |
| Total domestic deposits to total assets | 77.7610% | 6,139 |
| Equity capital to assets | 14.9798% | 1,031 |
| Core capital (leverage) ratio | 14.8679% | 949 |
| Tier 1 risk-based capital ratio | 30.1979% | 594 |
| Total risk-based capital ratio | 30.8006% | 617 |
| Memoranda: | ||
| Average total assets | $34,579,000 | 7,423 |
| Average earning assets | $33,702,000 | 7,331 |
| Average equity | $5,160,330 | 7,009 |
| Average total loans | $25,775,670 | 6,982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7540% | 3,510 |
| Cost of funding earning assets | 2.5573% | 1,715 |
| Net interest margin | 3.1967% | 5,867 |
| Noninterest income to average assets | 0.4157% | 5,090 |
| Noninterest expense to average assets | 2.6211% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6004% | 4,007 |
| Return on assets (ROA) | 0.6004% | 4,203 |
| Pretax return on assets | 0.9122% | 3,670 |
| Return on Equity (ROE) | 4.0310% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.0310% | 3,659 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1830% | 3,792 |
| Assets per employee ($millions) | 3.8597% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3930% | 7,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 71.5088% | 3,353 |
| Net loans and leases to deposits | 94.0375% | 2,261 |
| Net loans and leases to core deposits | 108.9952% | 3,563 |
| Total domestic deposits to total assets | 76.0428% | 6,503 |
| Equity capital to assets | 14.9408% | 1,118 |
| Core capital (leverage) ratio | 14.7538% | 1,023 |
| Tier 1 risk-based capital ratio | 30.6980% | 594 |
| Total risk-based capital ratio | 31.2872% | 607 |
| Memoranda: | ||
| Average total assets | $34,642,000 | 7,464 |
| Average earning assets | $33,785,000 | 7,367 |
| Average equity | $5,160,000 | 7,062 |
| Average total loans | $25,625,000 | 7,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0328% | 5,401 |
| Cost of funding earning assets | 3.0859% | 1,552 |
| Net interest margin | 2.9469% | 7,042 |
| Noninterest income to average assets | 0.1299% | 7,462 |
| Noninterest expense to average assets | 2.8278% | 4,704 |
| Loan and lease loss provision to assets | 0.0725% | 6,487 |
| Net operating income to assets | 0.0816% | 6,151 |
| Return on assets (ROA) | 0.0816% | 5,996 |
| Pretax return on assets | 0.0483% | 6,053 |
| Return on Equity (ROE) | 0.5387% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.5387% | 4,913 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9016% | 1,162 |
| Assets per employee ($millions) | 3.8386% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3725% | 8,018 |
| Loan loss allowance to noncurrent loans | 178.1818% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,935 |
| Noncurrent loans to loans | 0.2090% | 6,760 |
| Net loans and leases to total assets | 75.8792% | 2,658 |
| Net loans and leases to deposits | 99.6995% | 1,863 |
| Net loans and leases to core deposits | 116.8286% | 3,024 |
| Total domestic deposits to total assets | 76.1079% | 6,216 |
| Equity capital to assets | 14.8493% | 1,197 |
| Core capital (leverage) ratio | 14.6791% | 1,094 |
| Tier 1 risk-based capital ratio | 29.1028% | 692 |
| Total risk-based capital ratio | 29.6672% | 723 |
| Memoranda: | ||
| Average total assets | $33,099,800 | 7,504 |
| Average earning assets | $31,660,000 | 7,427 |
| Average equity | $5,012,000 | 7,138 |
| Average total loans | $23,936,400 | 7,076 |