Home > Cumberland Federal Bank, FSB > Performance and Condition Ratios
Cumberland Federal Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 1,941 |
| Cost of funding earning assets | 2.5353% | 343 |
| Net interest margin | 2.5300% | 4,067 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.4632% | 4,352 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9097% | 2,517 |
| Return on assets (ROA) | 0.9055% | 2,507 |
| Pretax return on assets | 1.1320% | 2,311 |
| Return on Equity (ROE) | 11.0400% | 2,212 |
| Retained earnings to average equity (ytd only) | 11.0352% | 785 |
| Net charge-offs to loans | 0.0230% | 1,859 |
| Credit loss provision to net charge-offs | 784.0000% | 487 |
| Earnings coverage of net charge-offs (x) | 122.1200% | 816 |
| Efficiency ratio | 54.6292% | 3,633 |
| Assets per employee ($millions) | 14.4505% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 3,704 |
| Loan loss allowance to noncurrent loans | 173.2689% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 2,020 |
| Noncurrent loans to loans | 0.5202% | 1,490 |
| Net loans and leases to total assets | 45.4800% | 3,837 |
| Net loans and leases to deposits | 54.0598% | 3,791 |
| Net loans and leases to core deposits | 102.1006% | 1,326 |
| Total domestic deposits to total assets | 84.1300% | 2,588 |
| Equity capital to assets | 8.6598% | 2,925 |
| Core capital (leverage) ratio | 10.0418% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5482% | 835 |
| Memoranda: | ||
| Average total assets | $251,228,800 | 2,673 |
| Average earning assets | $242,534,400 | 2,612 |
| Average equity | $20,615,800 | 2,806 |
| Average total loans | $108,467,200 | 3,082 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 2,002 |
| Cost of funding earning assets | 2.3645% | 354 |
| Net interest margin | 2.5648% | 4,075 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.4211% | 4,380 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9628% | 2,469 |
| Return on assets (ROA) | 0.9568% | 2,481 |
| Pretax return on assets | 1.2326% | 2,220 |
| Return on Equity (ROE) | 11.8300% | 2,170 |
| Retained earnings to average equity (ytd only) | 11.8311% | 1,001 |
| Net charge-offs to loans | 0.0366% | 1,367 |
| Credit loss provision to net charge-offs | 331.0345% | 829 |
| Earnings coverage of net charge-offs (x) | 83.1724% | 1,025 |
| Efficiency ratio | 52.3885% | 3,726 |
| Assets per employee ($millions) | 13.3318% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 3,885 |
| Loan loss allowance to noncurrent loans | 109.5829% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 1,626 |
| Noncurrent loans to loans | 0.7714% | 1,079 |
| Net loans and leases to total assets | 45.0100% | 3,871 |
| Net loans and leases to deposits | 52.2805% | 3,867 |
| Net loans and leases to core deposits | 96.7621% | 1,516 |
| Total domestic deposits to total assets | 86.0900% | 2,158 |
| Equity capital to assets | 8.0918% | 2,991 |
| Core capital (leverage) ratio | 9.9219% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0610% | 943 |
| Memoranda: | ||
| Average total assets | $249,008,750 | 2,691 |
| Average earning assets | $240,380,000 | 2,633 |
| Average equity | $20,138,500 | 2,838 |
| Average total loans | $105,739,000 | 3,115 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 2,124 |
| Cost of funding earning assets | 1.9053% | 599 |
| Net interest margin | 2.8380% | 3,762 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.4307% | 4,388 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0322% | 2,315 |
| Return on assets (ROA) | 1.0405% | 2,281 |
| Pretax return on assets | 1.4606% | 1,673 |
| Return on Equity (ROE) | 12.8700% | 1,930 |
| Retained earnings to average equity (ytd only) | 12.8678% | 824 |
| Net charge-offs to loans | 0.0643% | 913 |
| Credit loss provision to net charge-offs | 290.9091% | 878 |
| Earnings coverage of net charge-offs (x) | 57.3030% | 1,217 |
| Efficiency ratio | 48.3616% | 4,040 |
| Assets per employee ($millions) | 12.7593% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 3,723 |
| Loan loss allowance to noncurrent loans | 155.3772% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 1,974 |
| Noncurrent loans to loans | 0.5909% | 1,271 |
| Net loans and leases to total assets | 40.9400% | 4,007 |
| Net loans and leases to deposits | 48.3664% | 3,976 |
| Net loans and leases to core deposits | 90.6823% | 1,750 |
| Total domestic deposits to total assets | 84.6400% | 2,647 |
| Equity capital to assets | 8.1509% | 3,116 |
| Core capital (leverage) ratio | 9.8767% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7102% | 854 |
| Memoranda: | ||
| Average total assets | $247,576,667 | 2,704 |
| Average earning assets | $239,327,333 | 2,640 |
| Average equity | $20,019,000 | 2,863 |
| Average total loans | $102,658,667 | 3,145 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 2,125 |
| Cost of funding earning assets | 1.7259% | 534 |
| Net interest margin | 2.8589% | 3,853 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.4686% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0710% | 2,318 |
| Return on assets (ROA) | 1.0879% | 2,235 |
| Pretax return on assets | 1.5244% | 1,616 |
| Return on Equity (ROE) | 13.5100% | 1,878 |
| Retained earnings to average equity (ytd only) | 13.5110% | 1,005 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.4202% | 3,987 |
| Assets per employee ($millions) | 12.4447% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 3,894 |
| Loan loss allowance to noncurrent loans | 145.0321% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 1,870 |
| Noncurrent loans to loans | 0.6107% | 1,225 |
| Net loans and leases to total assets | 40.6900% | 4,018 |
| Net loans and leases to deposits | 47.7387% | 3,969 |
| Net loans and leases to core deposits | 87.2026% | 1,789 |
| Total domestic deposits to total assets | 85.2300% | 2,797 |
| Equity capital to assets | 8.0958% | 3,173 |
| Core capital (leverage) ratio | 10.2889% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3257% | 942 |
| Memoranda: | ||
| Average total assets | $243,772,500 | 2,762 |
| Average earning assets | $234,773,000 | 2,707 |
| Average equity | $19,628,500 | 2,922 |
| Average total loans | $101,271,000 | 3,198 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 2,906 |
| Cost of funding earning assets | 0.6360% | 764 |
| Net interest margin | 2.9272% | 3,617 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.6841% | 4,206 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0114% | 2,522 |
| Return on assets (ROA) | 1.0050% | 2,493 |
| Pretax return on assets | 1.3684% | 1,873 |
| Return on Equity (ROE) | 10.8600% | 2,527 |
| Retained earnings to average equity (ytd only) | 10.8608% | 916 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.1986% | 3,779 |
| Assets per employee ($millions) | 10.8478% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 3,764 |
| Loan loss allowance to noncurrent loans | 1,392.3077% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,545 |
| Noncurrent loans to loans | 0.0648% | 3,278 |
| Net loans and leases to total assets | 41.6800% | 3,998 |
| Net loans and leases to deposits | 49.6578% | 3,910 |
| Net loans and leases to core deposits | 84.2569% | 1,867 |
| Total domestic deposits to total assets | 83.9300% | 3,224 |
| Equity capital to assets | 8.0063% | 3,055 |
| Core capital (leverage) ratio | 9.9747% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0778% | 969 |
| Memoranda: | ||
| Average total assets | $222,676,800 | 2,889 |
| Average earning assets | $214,775,400 | 2,829 |
| Average equity | $20,606,200 | 2,896 |
| Average total loans | $91,660,600 | 3,269 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 3,221 |
| Cost of funding earning assets | 0.4661% | 902 |
| Net interest margin | 2.8187% | 3,694 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.4858% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1297% | 1,974 |
| Return on assets (ROA) | 1.1224% | 1,962 |
| Pretax return on assets | 1.5297% | 1,328 |
| Return on Equity (ROE) | 11.7000% | 2,139 |
| Retained earnings to average equity (ytd only) | 11.6992% | 867 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.1232% | 4,212 |
| Assets per employee ($millions) | 10.6080% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 3,993 |
| Loan loss allowance to noncurrent loans | 1,213.6364% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,650 |
| Noncurrent loans to loans | 0.0698% | 3,377 |
| Net loans and leases to total assets | 40.1700% | 4,066 |
| Net loans and leases to deposits | 47.6558% | 3,965 |
| Net loans and leases to core deposits | 77.2621% | 2,095 |
| Total domestic deposits to total assets | 84.2800% | 3,436 |
| Equity capital to assets | 8.3046% | 2,675 |
| Core capital (leverage) ratio | 10.3591% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2759% | 1,349 |
| Memoranda: | ||
| Average total assets | $218,683,250 | 2,936 |
| Average earning assets | $211,106,500 | 2,874 |
| Average equity | $20,981,000 | 2,901 |
| Average total loans | $89,484,250 | 3,305 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0116% | 3,534 |
| Cost of funding earning assets | 0.3978% | 932 |
| Net interest margin | 2.6138% | 3,879 |
| Noninterest income to average assets | 0.3199% | 3,259 |
| Noninterest expense to average assets | 1.5146% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9735% | 2,248 |
| Return on assets (ROA) | 0.9617% | 2,283 |
| Pretax return on assets | 1.3107% | 1,711 |
| Return on Equity (ROE) | 9.5564% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.5564% | 1,129 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3267% | 4,021 |
| Assets per employee ($millions) | 10.0066% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 3,953 |
| Loan loss allowance to noncurrent loans | 1,213.6364% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,681 |
| Noncurrent loans to loans | 0.0740% | 3,431 |
| Net loans and leases to total assets | 40.1261% | 4,066 |
| Net loans and leases to deposits | 48.1752% | 3,912 |
| Net loans and leases to core deposits | 74.6510% | 2,114 |
| Total domestic deposits to total assets | 83.2920% | 3,820 |
| Equity capital to assets | 9.0894% | 2,328 |
| Core capital (leverage) ratio | 10.4989% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3039% | 1,358 |
| Memoranda: | ||
| Average total assets | $213,785,333 | 2,997 |
| Average earning assets | $206,138,333 | 2,947 |
| Average equity | $21,514,333 | 2,942 |
| Average total loans | $87,799,000 | 3,358 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8286% | 3,689 |
| Cost of funding earning assets | 0.3869% | 941 |
| Net interest margin | 2.4417% | 4,004 |
| Noninterest income to average assets | 0.3096% | 3,246 |
| Noninterest expense to average assets | 1.5479% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8001% | 2,657 |
| Return on assets (ROA) | 0.7806% | 2,717 |
| Pretax return on assets | 1.0864% | 2,187 |
| Return on Equity (ROE) | 7.3833% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.3833% | 1,769 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2143% | 3,659 |
| Assets per employee ($millions) | 9.5989% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 3,968 |
| Loan loss allowance to noncurrent loans | 1,026.9231% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,666 |
| Noncurrent loans to loans | 0.0903% | 3,387 |
| Net loans and leases to total assets | 40.5245% | 3,977 |
| Net loans and leases to deposits | 49.0036% | 3,816 |
| Net loans and leases to core deposits | 73.3090% | 1,992 |
| Total domestic deposits to total assets | 82.6969% | 3,981 |
| Equity capital to assets | 10.2488% | 1,724 |
| Core capital (leverage) ratio | 10.6250% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3380% | 1,417 |
| Memoranda: | ||
| Average total assets | $210,605,000 | 3,038 |
| Average earning assets | $202,645,000 | 2,991 |
| Average equity | $22,266,500 | 2,964 |
| Average total loans | $87,130,000 | 3,371 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 3,305 |
| Cost of funding earning assets | 0.4774% | 1,021 |
| Net interest margin | 2.7894% | 3,686 |
| Noninterest income to average assets | 0.6433% | 1,971 |
| Noninterest expense to average assets | 1.9536% | 3,808 |
| Loan and lease loss provision to assets | 0.0005% | 3,058 |
| Net operating income to assets | 0.9950% | 2,695 |
| Return on assets (ROA) | 0.9851% | 2,803 |
| Pretax return on assets | 1.3740% | 2,125 |
| Return on Equity (ROE) | 8.7499% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.7499% | 1,267 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4798% | 3,365 |
| Assets per employee ($millions) | 9.1319% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,035 |
| Loan loss allowance to noncurrent loans | 976.8293% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,733 |
| Noncurrent loans to loans | 0.0933% | 3,457 |
| Net loans and leases to total assets | 41.4600% | 4,004 |
| Net loans and leases to deposits | 53.8488% | 3,611 |
| Net loans and leases to core deposits | 77.4437% | 1,808 |
| Total domestic deposits to total assets | 76.9932% | 4,465 |
| Equity capital to assets | 10.8982% | 1,857 |
| Core capital (leverage) ratio | 10.6318% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3093% | 1,432 |
| Memoranda: | ||
| Average total assets | $199,269,600 | 3,070 |
| Average earning assets | $192,692,000 | 3,010 |
| Average equity | $22,434,600 | 3,022 |
| Average total loans | $87,080,400 | 3,376 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 3,137 |
| Cost of funding earning assets | 0.4964% | 1,065 |
| Net interest margin | 2.8906% | 3,575 |
| Noninterest income to average assets | 0.7223% | 1,759 |
| Noninterest expense to average assets | 1.6963% | 4,333 |
| Loan and lease loss provision to assets | 0.0020% | 2,933 |
| Net operating income to assets | 1.3034% | 1,818 |
| Return on assets (ROA) | 1.2975% | 1,894 |
| Pretax return on assets | 1.8130% | 1,138 |
| Return on Equity (ROE) | 11.4270% | 2,232 |
| Retained earnings to average equity (ytd only) | 11.4270% | 964 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2074% | 4,354 |
| Assets per employee ($millions) | 8.9370% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,126 |
| Loan loss allowance to noncurrent loans | 2,433.3333% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 4,107 |
| Noncurrent loans to loans | 0.0374% | 3,939 |
| Net loans and leases to total assets | 42.5138% | 4,058 |
| Net loans and leases to deposits | 56.2317% | 3,562 |
| Net loans and leases to core deposits | 80.0806% | 1,724 |
| Total domestic deposits to total assets | 75.6047% | 4,565 |
| Equity capital to assets | 11.3183% | 1,795 |
| Core capital (leverage) ratio | 10.6889% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0314% | 1,603 |
| Memoranda: | ||
| Average total assets | $196,578,500 | 3,127 |
| Average earning assets | $190,175,000 | 3,059 |
| Average equity | $22,320,750 | 3,065 |
| Average total loans | $86,880,250 | 3,426 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 2,526 |
| Cost of funding earning assets | 0.5149% | 1,122 |
| Net interest margin | 3.1170% | 2,993 |
| Noninterest income to average assets | 0.8585% | 1,381 |
| Noninterest expense to average assets | 1.7088% | 4,349 |
| Loan and lease loss provision to assets | -0.0021% | 4,381 |
| Net operating income to assets | 1.5420% | 1,185 |
| Return on assets (ROA) | 1.5363% | 1,263 |
| Pretax return on assets | 2.1530% | 626 |
| Return on Equity (ROE) | 13.5145% | 1,562 |
| Retained earnings to average equity (ytd only) | 13.5145% | 637 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1892% | 4,604 |
| Assets per employee ($millions) | 8.6318% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,112 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,243 |
| Noncurrent loans to loans | 0.0218% | 4,114 |
| Net loans and leases to total assets | 43.5038% | 4,075 |
| Net loans and leases to deposits | 57.9020% | 3,554 |
| Net loans and leases to core deposits | 80.6524% | 1,830 |
| Total domestic deposits to total assets | 75.1335% | 4,608 |
| Equity capital to assets | 11.4495% | 1,661 |
| Core capital (leverage) ratio | 11.0152% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9711% | 1,642 |
| Memoranda: | ||
| Average total assets | $193,587,333 | 3,147 |
| Average earning assets | $186,846,333 | 3,094 |
| Average equity | $22,006,000 | 3,084 |
| Average total loans | $86,443,333 | 3,448 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 1,975 |
| Cost of funding earning assets | 0.5602% | 1,049 |
| Net interest margin | 3.2812% | 2,441 |
| Noninterest income to average assets | 1.0193% | 1,103 |
| Noninterest expense to average assets | 1.7058% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7709% | 829 |
| Return on assets (ROA) | 1.7560% | 901 |
| Pretax return on assets | 2.4572% | 468 |
| Return on Equity (ROE) | 15.5058% | 1,109 |
| Retained earnings to average equity (ytd only) | 15.5058% | 571 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7908% | 4,723 |
| Assets per employee ($millions) | 8.4740% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,107 |
| Loan loss allowance to noncurrent loans | 352.4229% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 3,585 |
| Noncurrent loans to loans | 0.2603% | 3,176 |
| Net loans and leases to total assets | 44.3328% | 4,095 |
| Net loans and leases to deposits | 59.0791% | 3,554 |
| Net loans and leases to core deposits | 81.0493% | 1,904 |
| Total domestic deposits to total assets | 75.0396% | 4,625 |
| Equity capital to assets | 11.4012% | 1,603 |
| Core capital (leverage) ratio | 10.9888% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0021% | 1,568 |
| Memoranda: | ||
| Average total assets | $191,115,000 | 3,156 |
| Average earning assets | $184,203,500 | 3,102 |
| Average equity | $21,643,500 | 3,110 |
| Average total loans | $86,081,500 | 3,468 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,229 |
| Cost of funding earning assets | 0.8665% | 967 |
| Net interest margin | 2.9602% | 3,986 |
| Noninterest income to average assets | 1.0443% | 966 |
| Noninterest expense to average assets | 2.0356% | 4,072 |
| Loan and lease loss provision to assets | 0.0647% | 3,567 |
| Net operating income to assets | 1.3139% | 1,211 |
| Return on assets (ROA) | 1.3024% | 1,341 |
| Pretax return on assets | 1.7808% | 718 |
| Return on Equity (ROE) | 12.4672% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.4672% | 278 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2542% | 4,368 |
| Assets per employee ($millions) | 8.1447% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 4,067 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,376 |
| Noncurrent loans to loans | 0.0235% | 4,235 |
| Net loans and leases to total assets | 44.9252% | 4,198 |
| Net loans and leases to deposits | 61.2794% | 3,655 |
| Net loans and leases to core deposits | 85.7058% | 1,895 |
| Total domestic deposits to total assets | 73.3122% | 4,665 |
| Equity capital to assets | 11.2455% | 2,059 |
| Core capital (leverage) ratio | 10.5914% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5909% | 1,659 |
| Memoranda: | ||
| Average total assets | $179,354,800 | 3,112 |
| Average earning assets | $172,759,800 | 3,044 |
| Average equity | $18,737,200 | 3,305 |
| Average total loans | $81,815,600 | 3,522 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,062 |
| Cost of funding earning assets | 0.9360% | 944 |
| Net interest margin | 3.0334% | 3,901 |
| Noninterest income to average assets | 1.0562% | 931 |
| Noninterest expense to average assets | 1.7425% | 4,575 |
| Loan and lease loss provision to assets | 0.0739% | 3,399 |
| Net operating income to assets | 1.5844% | 757 |
| Return on assets (ROA) | 1.5719% | 851 |
| Pretax return on assets | 2.1477% | 381 |
| Return on Equity (ROE) | 15.3563% | 636 |
| Retained earnings to average equity (ytd only) | 15.3563% | 181 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7854% | 4,797 |
| Assets per employee ($millions) | 8.6243% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,026 |
| Loan loss allowance to noncurrent loans | 436.8715% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 3,958 |
| Noncurrent loans to loans | 0.2093% | 3,545 |
| Net loans and leases to total assets | 44.6557% | 4,390 |
| Net loans and leases to deposits | 61.3768% | 3,964 |
| Net loans and leases to core deposits | 87.5505% | 2,185 |
| Total domestic deposits to total assets | 72.7566% | 4,654 |
| Equity capital to assets | 10.9042% | 2,475 |
| Core capital (leverage) ratio | 10.6482% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9551% | 1,515 |
| Memoranda: | ||
| Average total assets | $177,361,250 | 3,113 |
| Average earning assets | $170,937,500 | 3,050 |
| Average equity | $18,155,000 | 3,352 |
| Average total loans | $81,030,000 | 3,554 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 2,707 |
| Cost of funding earning assets | 1.0365% | 882 |
| Net interest margin | 3.1790% | 3,725 |
| Noninterest income to average assets | 1.0564% | 889 |
| Noninterest expense to average assets | 1.7721% | 4,596 |
| Loan and lease loss provision to assets | 0.0831% | 3,244 |
| Net operating income to assets | 1.6405% | 693 |
| Return on assets (ROA) | 1.6405% | 759 |
| Pretax return on assets | 2.2570% | 327 |
| Return on Equity (ROE) | 16.4179% | 499 |
| Retained earnings to average equity (ytd only) | 16.4179% | 155 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0938% | 4,832 |
| Assets per employee ($millions) | 8.7900% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 3,996 |
| Loan loss allowance to noncurrent loans | 3,780.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,527 |
| Noncurrent loans to loans | 0.0239% | 4,387 |
| Net loans and leases to total assets | 44.9851% | 4,404 |
| Net loans and leases to deposits | 61.8846% | 4,011 |
| Net loans and leases to core deposits | 88.2200% | 2,221 |
| Total domestic deposits to total assets | 72.6919% | 4,673 |
| Equity capital to assets | 10.4437% | 2,795 |
| Core capital (leverage) ratio | 10.6140% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7234% | 1,095 |
| Memoranda: | ||
| Average total assets | $173,237,000 | 3,134 |
| Average earning assets | $166,528,667 | 3,080 |
| Average equity | $17,310,333 | 3,434 |
| Average total loans | $79,537,000 | 3,584 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 3,474 |
| Cost of funding earning assets | 1.2322% | 691 |
| Net interest margin | 2.8859% | 4,454 |
| Noninterest income to average assets | 0.5538% | 2,261 |
| Noninterest expense to average assets | 1.8071% | 4,660 |
| Loan and lease loss provision to assets | 0.0477% | 3,182 |
| Net operating income to assets | 1.0613% | 1,964 |
| Return on assets (ROA) | 1.0217% | 2,208 |
| Pretax return on assets | 1.4108% | 1,526 |
| Return on Equity (ROE) | 10.4860% | 1,581 |
| Retained earnings to average equity (ytd only) | 10.4860% | 645 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4996% | 4,358 |
| Assets per employee ($millions) | 8.0330% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 4,133 |
| Loan loss allowance to noncurrent loans | 340.0966% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,019 |
| Noncurrent loans to loans | 0.2629% | 3,553 |
| Net loans and leases to total assets | 46.2654% | 4,413 |
| Net loans and leases to deposits | 61.8853% | 4,101 |
| Net loans and leases to core deposits | 87.3418% | 2,574 |
| Total domestic deposits to total assets | 74.7599% | 4,599 |
| Equity capital to assets | 8.3246% | 4,887 |
| Core capital (leverage) ratio | 10.7013% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6279% | 1,206 |
| Memoranda: | ||
| Average total assets | $167,560,500 | 3,158 |
| Average earning assets | $160,364,500 | 3,104 |
| Average equity | $16,326,500 | 3,527 |
| Average total loans | $77,408,500 | 3,620 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 3,707 |
| Cost of funding earning assets | 1.2479% | 901 |
| Net interest margin | 2.9915% | 4,525 |
| Noninterest income to average assets | 0.4978% | 2,760 |
| Noninterest expense to average assets | 2.0164% | 4,508 |
| Loan and lease loss provision to assets | 0.0355% | 3,299 |
| Net operating income to assets | 0.9786% | 2,918 |
| Return on assets (ROA) | 0.9582% | 3,072 |
| Pretax return on assets | 1.3000% | 2,503 |
| Return on Equity (ROE) | 8.3626% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.3626% | 870 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6984% | 3,740 |
| Assets per employee ($millions) | 7.9252% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 3,960 |
| Loan loss allowance to noncurrent loans | 373.7705% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 4,080 |
| Noncurrent loans to loans | 0.2406% | 3,584 |
| Net loans and leases to total assets | 45.2944% | 4,545 |
| Net loans and leases to deposits | 61.3284% | 4,225 |
| Net loans and leases to core deposits | 89.1347% | 2,502 |
| Total domestic deposits to total assets | 73.8555% | 4,779 |
| Equity capital to assets | 11.1819% | 2,830 |
| Core capital (leverage) ratio | 11.5759% | 2,056 |
| Tier 1 risk-based capital ratio | 18.0045% | 1,759 |
| Total risk-based capital ratio | 18.6983% | 1,867 |
| Memoranda: | ||
| Average total assets | $155,082,200 | 3,242 |
| Average earning assets | $149,288,800 | 3,182 |
| Average equity | $17,769,600 | 3,358 |
| Average total loans | $73,136,200 | 3,715 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 3,682 |
| Cost of funding earning assets | 1.2577% | 890 |
| Net interest margin | 3.0328% | 4,581 |
| Noninterest income to average assets | 0.4895% | 2,796 |
| Noninterest expense to average assets | 1.9214% | 4,676 |
| Loan and lease loss provision to assets | 0.0447% | 3,016 |
| Net operating income to assets | 1.0652% | 2,714 |
| Return on assets (ROA) | 1.0465% | 2,885 |
| Pretax return on assets | 1.4205% | 2,227 |
| Return on Equity (ROE) | 9.0737% | 2,860 |
| Retained earnings to average equity (ytd only) | 9.0737% | 1,023 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3431% | 4,134 |
| Assets per employee ($millions) | 7.6129% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 4,023 |
| Loan loss allowance to noncurrent loans | 357.8947% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 4,127 |
| Noncurrent loans to loans | 0.2527% | 3,633 |
| Net loans and leases to total assets | 46.6054% | 4,571 |
| Net loans and leases to deposits | 63.6788% | 4,196 |
| Net loans and leases to core deposits | 87.9078% | 2,742 |
| Total domestic deposits to total assets | 73.1882% | 4,856 |
| Equity capital to assets | 11.6607% | 2,548 |
| Core capital (leverage) ratio | 11.3897% | 2,313 |
| Tier 1 risk-based capital ratio | 18.3282% | 1,725 |
| Total risk-based capital ratio | 19.0420% | 1,825 |
| Memoranda: | ||
| Average total assets | $152,245,500 | 3,300 |
| Average earning assets | $146,613,750 | 3,241 |
| Average equity | $17,559,500 | 3,402 |
| Average total loans | $72,403,500 | 3,769 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 3,668 |
| Cost of funding earning assets | 1.2503% | 865 |
| Net interest margin | 3.0362% | 4,624 |
| Noninterest income to average assets | 0.3193% | 3,791 |
| Noninterest expense to average assets | 1.9265% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9719% | 3,019 |
| Return on assets (ROA) | 0.9592% | 3,139 |
| Pretax return on assets | 1.2999% | 2,558 |
| Return on Equity (ROE) | 8.3495% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.3495% | 1,262 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4149% | 3,809 |
| Assets per employee ($millions) | 7.8878% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 4,356 |
| Loan loss allowance to noncurrent loans | 329.3194% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,146 |
| Noncurrent loans to loans | 0.2496% | 3,641 |
| Net loans and leases to total assets | 48.1097% | 4,566 |
| Net loans and leases to deposits | 65.9833% | 4,099 |
| Net loans and leases to core deposits | 92.8846% | 2,334 |
| Total domestic deposits to total assets | 72.9120% | 4,912 |
| Equity capital to assets | 11.4626% | 2,629 |
| Core capital (leverage) ratio | 11.0252% | 2,575 |
| Tier 1 risk-based capital ratio | 18.5808% | 1,646 |
| Total risk-based capital ratio | 19.2689% | 1,755 |
| Memoranda: | ||
| Average total assets | $149,704,000 | 3,354 |
| Average earning assets | $144,128,330 | 3,282 |
| Average equity | $17,198,670 | 3,445 |
| Average total loans | $71,475,330 | 3,809 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 3,811 |
| Cost of funding earning assets | 1.2071% | 884 |
| Net interest margin | 3.0106% | 4,737 |
| Noninterest income to average assets | 0.2691% | 4,074 |
| Noninterest expense to average assets | 1.9879% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8719% | 3,344 |
| Return on assets (ROA) | 0.8567% | 3,464 |
| Pretax return on assets | 1.1587% | 2,943 |
| Return on Equity (ROE) | 7.4479% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.4479% | 1,866 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7927% | 3,409 |
| Assets per employee ($millions) | 7.9053% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,167 |
| Loan loss allowance to noncurrent loans | 372.1893% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,247 |
| Noncurrent loans to loans | 0.2412% | 3,707 |
| Net loans and leases to total assets | 46.2364% | 4,661 |
| Net loans and leases to deposits | 60.0150% | 4,413 |
| Net loans and leases to core deposits | 83.8256% | 3,037 |
| Total domestic deposits to total assets | 77.0413% | 4,646 |
| Equity capital to assets | 11.3748% | 2,504 |
| Core capital (leverage) ratio | 11.7757% | 1,921 |
| Tier 1 risk-based capital ratio | 20.1109% | 1,327 |
| Total risk-based capital ratio | 20.8740% | 1,391 |
| Memoranda: | ||
| Average total assets | $145,678,000 | 3,439 |
| Average earning assets | $140,173,000 | 3,364 |
| Average equity | $16,756,500 | 3,502 |
| Average total loans | $68,950,500 | 3,893 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,874 |
| Cost of funding earning assets | 0.9615% | 878 |
| Net interest margin | 3.0962% | 4,657 |
| Noninterest income to average assets | 0.3560% | 3,716 |
| Noninterest expense to average assets | 2.0610% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9726% | 3,128 |
| Return on assets (ROA) | 0.9680% | 3,147 |
| Pretax return on assets | 1.2604% | 2,652 |
| Return on Equity (ROE) | 8.4002% | 3,270 |
| Retained earnings to average equity (ytd only) | 8.4002% | 1,081 |
| Net charge-offs to loans | 0.0534% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 48.1111% | 1,160 |
| Efficiency ratio | 61.9424% | 3,536 |
| Assets per employee ($millions) | 7.4293% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,058 |
| Loan loss allowance to noncurrent loans | 367.8363% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 3,645 |
| Noncurrent loans to loans | 0.2521% | 3,677 |
| Net loans and leases to total assets | 47.6041% | 4,665 |
| Net loans and leases to deposits | 59.9146% | 4,483 |
| Net loans and leases to core deposits | 82.1829% | 3,247 |
| Total domestic deposits to total assets | 79.4532% | 4,221 |
| Equity capital to assets | 11.6382% | 2,148 |
| Core capital (leverage) ratio | 11.5333% | 2,080 |
| Tier 1 risk-based capital ratio | 21.3105% | 1,123 |
| Total risk-based capital ratio | 22.1346% | 1,152 |
| Memoranda: | ||
| Average total assets | $136,778,800 | 3,553 |
| Average earning assets | $131,256,400 | 3,482 |
| Average equity | $15,761,600 | 3,539 |
| Average total loans | $67,456,200 | 3,925 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 3,930 |
| Cost of funding earning assets | 0.9010% | 917 |
| Net interest margin | 3.0993% | 4,707 |
| Noninterest income to average assets | 0.3724% | 3,648 |
| Noninterest expense to average assets | 1.8739% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0840% | 2,735 |
| Return on assets (ROA) | 1.0770% | 2,766 |
| Pretax return on assets | 1.4641% | 2,022 |
| Return on Equity (ROE) | 9.3703% | 2,922 |
| Retained earnings to average equity (ytd only) | 9.3703% | 1,087 |
| Net charge-offs to loans | 0.0713% | 1,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 41.6379% | 1,324 |
| Efficiency ratio | 55.9894% | 4,393 |
| Assets per employee ($millions) | 7.7958% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,315 |
| Loan loss allowance to noncurrent loans | 229.5620% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,436 |
| Noncurrent loans to loans | 0.3864% | 3,268 |
| Net loans and leases to total assets | 50.0866% | 4,592 |
| Net loans and leases to deposits | 62.7939% | 4,404 |
| Net loans and leases to core deposits | 88.2854% | 2,824 |
| Total domestic deposits to total assets | 79.7634% | 4,159 |
| Equity capital to assets | 11.4249% | 2,315 |
| Core capital (leverage) ratio | 11.4786% | 2,184 |
| Tier 1 risk-based capital ratio | 20.8319% | 1,207 |
| Total risk-based capital ratio | 21.6489% | 1,240 |
| Memoranda: | ||
| Average total assets | $135,684,500 | 3,606 |
| Average earning assets | $130,220,250 | 3,527 |
| Average equity | $15,595,000 | 3,578 |
| Average total loans | $67,364,000 | 3,963 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 3,990 |
| Cost of funding earning assets | 0.8294% | 1,008 |
| Net interest margin | 3.1030% | 4,724 |
| Noninterest income to average assets | 0.3519% | 3,810 |
| Noninterest expense to average assets | 1.9130% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0443% | 2,832 |
| Return on assets (ROA) | 1.0407% | 2,850 |
| Pretax return on assets | 1.4075% | 2,117 |
| Return on Equity (ROE) | 9.0360% | 3,000 |
| Retained earnings to average equity (ytd only) | 9.0360% | 1,206 |
| Net charge-offs to loans | 0.0876% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 32.6552% | 1,429 |
| Efficiency ratio | 57.5336% | 4,302 |
| Assets per employee ($millions) | 7.6262% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 4,142 |
| Loan loss allowance to noncurrent loans | 331.2500% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,711 |
| Noncurrent loans to loans | 0.2851% | 3,681 |
| Net loans and leases to total assets | 48.5911% | 4,681 |
| Net loans and leases to deposits | 61.3532% | 4,461 |
| Net loans and leases to core deposits | 83.0743% | 3,157 |
| Total domestic deposits to total assets | 79.1990% | 4,394 |
| Equity capital to assets | 11.4189% | 2,254 |
| Core capital (leverage) ratio | 11.6174% | 1,972 |
| Tier 1 risk-based capital ratio | 21.2428% | 1,137 |
| Total risk-based capital ratio | 22.1066% | 1,175 |
| Memoranda: | ||
| Average total assets | $134,137,670 | 3,641 |
| Average earning assets | $128,522,330 | 3,573 |
| Average equity | $15,449,330 | 3,618 |
| Average total loans | $66,181,000 | 4,015 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 3,978 |
| Cost of funding earning assets | 0.7671% | 1,111 |
| Net interest margin | 3.1157% | 4,670 |
| Noninterest income to average assets | 0.3319% | 3,932 |
| Noninterest expense to average assets | 1.9733% | 4,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9824% | 2,926 |
| Return on assets (ROA) | 0.9776% | 2,978 |
| Pretax return on assets | 1.3427% | 2,212 |
| Return on Equity (ROE) | 8.4504% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.4504% | 1,674 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4005% | 4,147 |
| Assets per employee ($millions) | 7.8804% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 3,857 |
| Loan loss allowance to noncurrent loans | 160.6280% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,602 |
| Noncurrent loans to loans | 0.6333% | 2,644 |
| Net loans and leases to total assets | 48.3003% | 4,680 |
| Net loans and leases to deposits | 59.9785% | 4,471 |
| Net loans and leases to core deposits | 81.1615% | 3,226 |
| Total domestic deposits to total assets | 80.5294% | 4,311 |
| Equity capital to assets | 11.4902% | 2,140 |
| Core capital (leverage) ratio | 11.5282% | 1,987 |
| Tier 1 risk-based capital ratio | 21.3517% | 1,148 |
| Total risk-based capital ratio | 22.2819% | 1,177 |
| Memoranda: | ||
| Average total assets | $132,570,500 | 3,704 |
| Average earning assets | $127,225,500 | 3,630 |
| Average equity | $15,336,500 | 3,666 |
| Average total loans | $65,602,500 | 4,067 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,300 |
| Cost of funding earning assets | 0.6544% | 1,274 |
| Net interest margin | 3.0612% | 4,768 |
| Noninterest income to average assets | 0.3458% | 3,991 |
| Noninterest expense to average assets | 2.0599% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8912% | 2,764 |
| Return on assets (ROA) | 0.8973% | 2,758 |
| Pretax return on assets | 1.2616% | 2,500 |
| Return on Equity (ROE) | 7.8900% | 2,844 |
| Retained earnings to average equity (ytd only) | 7.8900% | 803 |
| Net charge-offs to loans | 0.0062% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 215 |
| Efficiency ratio | 62.1760% | 3,909 |
| Assets per employee ($millions) | 7.2875% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,874 |
| Loan loss allowance to noncurrent loans | 113.2879% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 3,077 |
| Noncurrent loans to loans | 0.8916% | 1,994 |
| Net loans and leases to total assets | 49.6810% | 4,669 |
| Net loans and leases to deposits | 60.1890% | 4,554 |
| Net loans and leases to core deposits | 81.6767% | 3,271 |
| Total domestic deposits to total assets | 82.5416% | 3,717 |
| Equity capital to assets | 11.6486% | 2,074 |
| Core capital (leverage) ratio | 11.4807% | 1,951 |
| Tier 1 risk-based capital ratio | 21.6499% | 1,053 |
| Total risk-based capital ratio | 22.6135% | 1,065 |
| Memoranda: | ||
| Average total assets | $129,280,600 | 3,760 |
| Average earning assets | $125,310,800 | 3,659 |
| Average equity | $14,702,200 | 3,756 |
| Average total loans | $64,774,600 | 4,082 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 4,442 |
| Cost of funding earning assets | 0.6293% | 1,360 |
| Net interest margin | 3.0218% | 4,872 |
| Noninterest income to average assets | 0.3571% | 3,974 |
| Noninterest expense to average assets | 1.9781% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8446% | 3,294 |
| Return on assets (ROA) | 0.8519% | 3,312 |
| Pretax return on assets | 1.3281% | 2,368 |
| Return on Equity (ROE) | 7.5376% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.5376% | 1,413 |
| Net charge-offs to loans | 0.0021% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,275.1579% | 79 |
| Efficiency ratio | 60.0377% | 4,208 |
| Assets per employee ($millions) | 7.1581% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 4,058 |
| Loan loss allowance to noncurrent loans | 112.2689% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 3,183 |
| Noncurrent loans to loans | 0.8905% | 2,149 |
| Net loans and leases to total assets | 51.3415% | 4,623 |
| Net loans and leases to deposits | 63.4359% | 4,421 |
| Net loans and leases to core deposits | 86.8374% | 2,888 |
| Total domestic deposits to total assets | 80.9345% | 4,062 |
| Equity capital to assets | 11.7637% | 2,141 |
| Core capital (leverage) ratio | 11.2106% | 2,264 |
| Tier 1 risk-based capital ratio | 21.6061% | 1,101 |
| Total risk-based capital ratio | 22.5944% | 1,122 |
| Memoranda: | ||
| Average total assets | $128,807,000 | 3,807 |
| Average earning assets | $125,219,000 | 3,692 |
| Average equity | $14,557,750 | 3,813 |
| Average total loans | $64,509,750 | 4,113 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 4,583 |
| Cost of funding earning assets | 0.5844% | 1,548 |
| Net interest margin | 2.9889% | 4,935 |
| Noninterest income to average assets | 0.3401% | 4,117 |
| Noninterest expense to average assets | 2.0374% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7793% | 3,490 |
| Return on assets (ROA) | 0.7733% | 3,579 |
| Pretax return on assets | 1.2004% | 2,771 |
| Return on Equity (ROE) | 6.9369% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.9369% | 1,621 |
| Net charge-offs to loans | 0.0031% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 779.0000% | 95 |
| Efficiency ratio | 62.7451% | 3,856 |
| Assets per employee ($millions) | 6.9069% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,100 |
| Loan loss allowance to noncurrent loans | 87.4346% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 2,823 |
| Noncurrent loans to loans | 1.1511% | 1,700 |
| Net loans and leases to total assets | 50.0659% | 4,706 |
| Net loans and leases to deposits | 58.9171% | 4,706 |
| Net loans and leases to core deposits | 77.6895% | 3,624 |
| Total domestic deposits to total assets | 84.9769% | 2,822 |
| Equity capital to assets | 11.2557% | 2,537 |
| Core capital (leverage) ratio | 11.1831% | 2,238 |
| Tier 1 risk-based capital ratio | 21.0096% | 1,179 |
| Total risk-based capital ratio | 21.9924% | 1,207 |
| Memoranda: | ||
| Average total assets | $128,794,330 | 3,829 |
| Average earning assets | $125,265,000 | 3,719 |
| Average equity | $14,358,000 | 3,842 |
| Average total loans | $63,740,000 | 4,155 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,594 |
| Cost of funding earning assets | 0.5550% | 1,683 |
| Net interest margin | 2.9785% | 4,935 |
| Noninterest income to average assets | 0.3073% | 4,362 |
| Noninterest expense to average assets | 2.0756% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7086% | 3,671 |
| Return on assets (ROA) | 0.7086% | 3,710 |
| Pretax return on assets | 1.1256% | 2,881 |
| Return on Equity (ROE) | 6.3880% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.3880% | 2,141 |
| Net charge-offs to loans | 0.0064% | 2,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 359.0000% | 165 |
| Efficiency ratio | 64.8384% | 3,689 |
| Assets per employee ($millions) | 5.5533% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,917 |
| Loan loss allowance to noncurrent loans | 92.6491% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 2,971 |
| Noncurrent loans to loans | 1.1470% | 1,779 |
| Net loans and leases to total assets | 48.6909% | 4,771 |
| Net loans and leases to deposits | 56.3590% | 4,795 |
| Net loans and leases to core deposits | 73.8918% | 3,846 |
| Total domestic deposits to total assets | 86.3943% | 2,498 |
| Equity capital to assets | 11.2193% | 2,415 |
| Core capital (leverage) ratio | 10.9513% | 2,412 |
| Tier 1 risk-based capital ratio | 21.2810% | 1,178 |
| Total risk-based capital ratio | 22.2958% | 1,192 |
| Memoranda: | ||
| Average total assets | $127,576,000 | 3,882 |
| Average earning assets | $123,957,000 | 3,770 |
| Average equity | $14,151,500 | 3,900 |
| Average total loans | $62,425,000 | 4,228 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6337% | 4,424 |
| Cost of funding earning assets | 0.5337% | 1,839 |
| Net interest margin | 3.1000% | 4,725 |
| Noninterest income to average assets | 0.4453% | 3,577 |
| Noninterest expense to average assets | 2.1203% | 4,967 |
| Loan and lease loss provision to assets | -0.0025% | 5,461 |
| Net operating income to assets | 0.8381% | 3,117 |
| Return on assets (ROA) | 0.8560% | 3,153 |
| Pretax return on assets | 1.3423% | 2,130 |
| Return on Equity (ROE) | 7.6657% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.6657% | 972 |
| Net charge-offs to loans | 0.0033% | 4,145 |
| Credit loss provision to net charge-offs | -150.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | 798.5000% | 95 |
| Efficiency ratio | 61.7760% | 4,293 |
| Assets per employee ($millions) | 5.5403% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,831 |
| Loan loss allowance to noncurrent loans | 96.8162% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 3,108 |
| Noncurrent loans to loans | 1.1147% | 1,854 |
| Net loans and leases to total assets | 48.1236% | 4,890 |
| Net loans and leases to deposits | 56.9616% | 4,858 |
| Net loans and leases to core deposits | 75.7585% | 3,764 |
| Total domestic deposits to total assets | 84.4843% | 3,240 |
| Equity capital to assets | 10.9656% | 2,654 |
| Core capital (leverage) ratio | 10.8346% | 2,500 |
| Tier 1 risk-based capital ratio | 20.6274% | 1,271 |
| Total risk-based capital ratio | 21.6287% | 1,284 |
| Memoranda: | ||
| Average total assets | $121,727,800 | 3,962 |
| Average earning assets | $117,290,400 | 3,881 |
| Average equity | $13,593,000 | 4,008 |
| Average total loans | $60,124,200 | 4,293 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 4,520 |
| Cost of funding earning assets | 0.5297% | 1,882 |
| Net interest margin | 3.0812% | 4,823 |
| Noninterest income to average assets | 0.4688% | 3,434 |
| Noninterest expense to average assets | 2.0138% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8978% | 2,919 |
| Return on assets (ROA) | 0.9254% | 2,908 |
| Pretax return on assets | 1.4640% | 1,837 |
| Return on Equity (ROE) | 8.2480% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.2480% | 1,067 |
| Net charge-offs to loans | 0.0045% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 640.1835% | 145 |
| Efficiency ratio | 58.6318% | 4,732 |
| Assets per employee ($millions) | 5.6969% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,955 |
| Loan loss allowance to noncurrent loans | 97.6744% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 3,261 |
| Noncurrent loans to loans | 1.1048% | 2,041 |
| Net loans and leases to total assets | 49.1487% | 4,881 |
| Net loans and leases to deposits | 56.3330% | 4,972 |
| Net loans and leases to core deposits | 75.8879% | 3,848 |
| Total domestic deposits to total assets | 87.2467% | 1,778 |
| Equity capital to assets | 11.1624% | 2,839 |
| Core capital (leverage) ratio | 10.8984% | 2,568 |
| Tier 1 risk-based capital ratio | 20.4065% | 1,376 |
| Total risk-based capital ratio | 21.4167% | 1,381 |
| Memoranda: | ||
| Average total assets | $120,303,250 | 4,010 |
| Average earning assets | $115,795,250 | 3,923 |
| Average equity | $13,498,000 | 4,058 |
| Average total loans | $59,657,500 | 4,340 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,685 |
| Cost of funding earning assets | 0.5161% | 1,970 |
| Net interest margin | 3.0526% | 4,970 |
| Noninterest income to average assets | 0.3153% | 4,524 |
| Noninterest expense to average assets | 1.9743% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8143% | 3,246 |
| Return on assets (ROA) | 0.8143% | 3,378 |
| Pretax return on assets | 1.2729% | 2,510 |
| Return on Equity (ROE) | 7.2446% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.2446% | 1,489 |
| Net charge-offs to loans | 0.0068% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 377.5000% | 185 |
| Efficiency ratio | 60.7996% | 4,540 |
| Assets per employee ($millions) | 5.6172% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 4,031 |
| Loan loss allowance to noncurrent loans | 99.8514% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 3,396 |
| Noncurrent loans to loans | 1.0857% | 2,116 |
| Net loans and leases to total assets | 49.6160% | 4,866 |
| Net loans and leases to deposits | 57.5452% | 4,926 |
| Net loans and leases to core deposits | 79.2757% | 3,524 |
| Total domestic deposits to total assets | 86.2210% | 2,315 |
| Equity capital to assets | 11.0448% | 3,014 |
| Core capital (leverage) ratio | 10.9055% | 2,523 |
| Tier 1 risk-based capital ratio | 19.7917% | 1,504 |
| Total risk-based capital ratio | 20.7975% | 1,516 |
| Memoranda: | ||
| Average total assets | $118,627,000 | 4,072 |
| Average earning assets | $113,936,330 | 3,978 |
| Average equity | $13,334,000 | 4,101 |
| Average total loans | $58,786,330 | 4,386 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 4,864 |
| Cost of funding earning assets | 0.4898% | 2,182 |
| Net interest margin | 3.0217% | 5,068 |
| Noninterest income to average assets | 0.2411% | 5,014 |
| Noninterest expense to average assets | 2.0318% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6932% | 3,749 |
| Return on assets (ROA) | 0.6888% | 3,881 |
| Pretax return on assets | 1.0917% | 3,127 |
| Return on Equity (ROE) | 6.0714% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.0714% | 2,343 |
| Net charge-offs to loans | 0.0140% | 2,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 159.5000% | 376 |
| Efficiency ratio | 64.9065% | 3,991 |
| Assets per employee ($millions) | 5.8345% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,701 |
| Loan loss allowance to noncurrent loans | 98.3895% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 3,309 |
| Noncurrent loans to loans | 1.1815% | 2,048 |
| Net loans and leases to total assets | 48.9639% | 4,893 |
| Net loans and leases to deposits | 56.7710% | 4,937 |
| Net loans and leases to core deposits | 76.6186% | 3,621 |
| Total domestic deposits to total assets | 86.2482% | 2,571 |
| Equity capital to assets | 11.3660% | 2,562 |
| Core capital (leverage) ratio | 11.2092% | 2,218 |
| Tier 1 risk-based capital ratio | 21.3754% | 1,249 |
| Total risk-based capital ratio | 22.4854% | 1,248 |
| Memoranda: | ||
| Average total assets | $116,151,000 | 4,150 |
| Average earning assets | $111,062,500 | 4,071 |
| Average equity | $13,176,500 | 4,139 |
| Average total loans | $57,186,000 | 4,461 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,831 |
| Cost of funding earning assets | 0.4643% | 2,490 |
| Net interest margin | 3.0719% | 4,974 |
| Noninterest income to average assets | 0.3762% | 4,216 |
| Noninterest expense to average assets | 2.0736% | 5,303 |
| Loan and lease loss provision to assets | -0.0303% | 5,692 |
| Net operating income to assets | 0.8288% | 3,201 |
| Return on assets (ROA) | 0.9093% | 2,898 |
| Pretax return on assets | 1.4267% | 1,799 |
| Return on Equity (ROE) | 7.8124% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.8124% | 976 |
| Net charge-offs to loans | 0.0018% | 4,413 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,693 |
| Earnings coverage of net charge-offs (x) | 1,385.0000% | 34 |
| Efficiency ratio | 62.0027% | 4,602 |
| Assets per employee ($millions) | 7.7075% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 3,533 |
| Loan loss allowance to noncurrent loans | 109.4156% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 3,511 |
| Noncurrent loans to loans | 1.0890% | 2,163 |
| Net loans and leases to total assets | 48.3427% | 4,987 |
| Net loans and leases to deposits | 55.8258% | 5,054 |
| Net loans and leases to core deposits | 74.6574% | 3,878 |
| Total domestic deposits to total assets | 86.5957% | 2,328 |
| Equity capital to assets | 11.3224% | 2,522 |
| Core capital (leverage) ratio | 11.3036% | 2,118 |
| Tier 1 risk-based capital ratio | 20.8347% | 1,325 |
| Total risk-based capital ratio | 21.9386% | 1,324 |
| Memoranda: | ||
| Average total assets | $108,989,800 | 4,278 |
| Average earning assets | $105,311,000 | 4,160 |
| Average equity | $12,685,000 | 4,192 |
| Average total loans | $55,451,200 | 4,517 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 4,855 |
| Cost of funding earning assets | 0.5726% | 1,598 |
| Net interest margin | 2.9829% | 5,238 |
| Noninterest income to average assets | 0.3987% | 4,094 |
| Noninterest expense to average assets | 2.0459% | 5,390 |
| Loan and lease loss provision to assets | -0.0149% | 5,833 |
| Net operating income to assets | 0.7935% | 3,462 |
| Return on assets (ROA) | 0.8969% | 3,064 |
| Pretax return on assets | 1.4086% | 1,979 |
| Return on Equity (ROE) | 7.6499% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.6499% | 1,393 |
| Net charge-offs to loans | 0.0024% | 4,099 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,522 |
| Earnings coverage of net charge-offs (x) | 994.4586% | 76 |
| Efficiency ratio | 62.4100% | 4,507 |
| Assets per employee ($millions) | 6.9553% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,598 |
| Loan loss allowance to noncurrent loans | 109.6215% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 3,590 |
| Noncurrent loans to loans | 1.1030% | 2,288 |
| Net loans and leases to total assets | 51.0271% | 4,856 |
| Net loans and leases to deposits | 59.6062% | 4,881 |
| Net loans and leases to core deposits | 81.8546% | 3,265 |
| Total domestic deposits to total assets | 85.6071% | 2,733 |
| Equity capital to assets | 11.6198% | 2,403 |
| Core capital (leverage) ratio | 11.1667% | 2,334 |
| Tier 1 risk-based capital ratio | 20.2959% | 1,476 |
| Total risk-based capital ratio | 21.4269% | 1,475 |
| Memoranda: | ||
| Average total assets | $107,334,250 | 4,359 |
| Average earning assets | $103,611,000 | 4,249 |
| Average equity | $12,583,750 | 4,254 |
| Average total loans | $55,173,000 | 4,570 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 4,846 |
| Cost of funding earning assets | 0.5708% | 1,642 |
| Net interest margin | 2.9851% | 5,258 |
| Noninterest income to average assets | 0.4188% | 3,935 |
| Noninterest expense to average assets | 2.0581% | 5,422 |
| Loan and lease loss provision to assets | -0.0226% | 5,980 |
| Net operating income to assets | 0.8004% | 3,384 |
| Return on assets (ROA) | 0.9489% | 2,756 |
| Pretax return on assets | 1.4960% | 1,656 |
| Return on Equity (ROE) | 8.0687% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.0687% | 1,238 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3785% | 4,621 |
| Assets per employee ($millions) | 7.2522% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 3,662 |
| Loan loss allowance to noncurrent loans | 103.7258% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,564 |
| Noncurrent loans to loans | 1.1778% | 2,298 |
| Net loans and leases to total assets | 51.7296% | 4,780 |
| Net loans and leases to deposits | 61.2289% | 4,752 |
| Net loans and leases to core deposits | 82.8531% | 3,095 |
| Total domestic deposits to total assets | 84.4856% | 3,355 |
| Equity capital to assets | 11.6378% | 2,301 |
| Core capital (leverage) ratio | 11.3762% | 2,090 |
| Tier 1 risk-based capital ratio | 19.0320% | 1,783 |
| Total risk-based capital ratio | 20.1131% | 1,790 |
| Memoranda: | ||
| Average total assets | $106,017,670 | 4,419 |
| Average earning assets | $102,309,670 | 4,311 |
| Average equity | $12,468,000 | 4,292 |
| Average total loans | $54,404,000 | 4,632 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 4,827 |
| Cost of funding earning assets | 0.5626% | 1,726 |
| Net interest margin | 2.9871% | 5,251 |
| Noninterest income to average assets | 0.5008% | 3,283 |
| Noninterest expense to average assets | 2.0490% | 5,488 |
| Loan and lease loss provision to assets | -0.0459% | 6,150 |
| Net operating income to assets | 0.8563% | 2,980 |
| Return on assets (ROA) | 0.8563% | 3,099 |
| Pretax return on assets | 1.3800% | 1,961 |
| Return on Equity (ROE) | 7.2422% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.2422% | 1,891 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5650% | 5,022 |
| Assets per employee ($millions) | 6.9756% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 3,312 |
| Loan loss allowance to noncurrent loans | 91.0995% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 3,307 |
| Noncurrent loans to loans | 1.4463% | 1,972 |
| Net loans and leases to total assets | 49.8194% | 4,872 |
| Net loans and leases to deposits | 58.8585% | 4,845 |
| Net loans and leases to core deposits | 75.8424% | 3,614 |
| Total domestic deposits to total assets | 84.6427% | 3,564 |
| Equity capital to assets | 12.0037% | 2,024 |
| Core capital (leverage) ratio | 11.2362% | 2,205 |
| Tier 1 risk-based capital ratio | 16.5079% | 2,680 |
| Total risk-based capital ratio | 17.4674% | 2,761 |
| Memoranda: | ||
| Average total assets | $104,635,000 | 4,486 |
| Average earning assets | $100,968,500 | 4,375 |
| Average equity | $12,372,000 | 4,343 |
| Average total loans | $53,121,500 | 4,698 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 5,295 |
| Cost of funding earning assets | 0.5401% | 2,287 |
| Net interest margin | 2.9688% | 5,511 |
| Noninterest income to average assets | 0.4008% | 4,173 |
| Noninterest expense to average assets | 2.2531% | 5,230 |
| Loan and lease loss provision to assets | -0.0530% | 6,046 |
| Net operating income to assets | 0.6660% | 4,058 |
| Return on assets (ROA) | 0.6717% | 4,136 |
| Pretax return on assets | 1.0616% | 3,250 |
| Return on Equity (ROE) | 5.6830% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.6830% | 2,146 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2686% | 3,661 |
| Assets per employee ($millions) | 6.9757% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 3,292 |
| Loan loss allowance to noncurrent loans | 91.5912% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 3,359 |
| Noncurrent loans to loans | 1.4471% | 2,035 |
| Net loans and leases to total assets | 50.3756% | 4,934 |
| Net loans and leases to deposits | 61.4290% | 4,768 |
| Net loans and leases to core deposits | 76.5281% | 3,653 |
| Total domestic deposits to total assets | 82.0062% | 4,420 |
| Equity capital to assets | 11.6442% | 2,306 |
| Core capital (leverage) ratio | 11.2004% | 2,216 |
| Tier 1 risk-based capital ratio | 20.9915% | 1,408 |
| Total risk-based capital ratio | 22.2600% | 1,367 |
| Memoranda: | ||
| Average total assets | $100,041,200 | 4,600 |
| Average earning assets | $96,100,800 | 4,506 |
| Average equity | $11,824,800 | 4,393 |
| Average total loans | $50,381,800 | 4,807 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 5,429 |
| Cost of funding earning assets | 0.5374% | 2,395 |
| Net interest margin | 2.9478% | 5,604 |
| Noninterest income to average assets | 0.4085% | 4,175 |
| Noninterest expense to average assets | 2.2529% | 5,218 |
| Loan and lease loss provision to assets | -0.0715% | 6,230 |
| Net operating income to assets | 0.6660% | 4,124 |
| Return on assets (ROA) | 0.6660% | 4,224 |
| Pretax return on assets | 1.0597% | 3,342 |
| Return on Equity (ROE) | 5.6127% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.6127% | 2,658 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5092% | 3,590 |
| Assets per employee ($millions) | 6.3402% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 3,188 |
| Loan loss allowance to noncurrent loans | 88.6108% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 3,457 |
| Noncurrent loans to loans | 1.5779% | 2,064 |
| Net loans and leases to total assets | 49.2198% | 5,088 |
| Net loans and leases to deposits | 58.8985% | 5,023 |
| Net loans and leases to core deposits | 72.8746% | 4,065 |
| Total domestic deposits to total assets | 83.5671% | 3,929 |
| Equity capital to assets | 11.8737% | 2,175 |
| Core capital (leverage) ratio | 11.3776% | 2,154 |
| Tier 1 risk-based capital ratio | 21.5555% | 1,332 |
| Total risk-based capital ratio | 22.8483% | 1,305 |
| Memoranda: | ||
| Average total assets | $98,892,500 | 4,669 |
| Average earning assets | $95,027,250 | 4,573 |
| Average equity | $11,735,000 | 4,437 |
| Average total loans | $49,622,500 | 4,877 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 5,478 |
| Cost of funding earning assets | 0.5316% | 2,524 |
| Net interest margin | 2.9386% | 5,662 |
| Noninterest income to average assets | 0.4182% | 4,110 |
| Noninterest expense to average assets | 2.3031% | 5,140 |
| Loan and lease loss provision to assets | -0.0367% | 6,275 |
| Net operating income to assets | 0.6092% | 4,314 |
| Return on assets (ROA) | 0.6079% | 4,417 |
| Pretax return on assets | 0.9690% | 3,614 |
| Return on Equity (ROE) | 5.1239% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.1239% | 2,883 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1405% | 3,479 |
| Assets per employee ($millions) | 6.6989% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 2,816 |
| Loan loss allowance to noncurrent loans | 92.9912% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 3,579 |
| Noncurrent loans to loans | 1.6321% | 2,131 |
| Net loans and leases to total assets | 47.9813% | 5,172 |
| Net loans and leases to deposits | 59.3186% | 4,922 |
| Net loans and leases to core deposits | 69.1265% | 4,356 |
| Total domestic deposits to total assets | 80.8873% | 5,020 |
| Equity capital to assets | 11.7910% | 2,168 |
| Core capital (leverage) ratio | 11.2893% | 2,165 |
| Tier 1 risk-based capital ratio | 21.9135% | 1,270 |
| Total risk-based capital ratio | 23.2101% | 1,242 |
| Memoranda: | ||
| Average total assets | $98,042,330 | 4,727 |
| Average earning assets | $94,059,000 | 4,638 |
| Average equity | $11,631,670 | 4,466 |
| Average total loans | $49,284,000 | 4,914 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5043% | 5,407 |
| Cost of funding earning assets | 0.5394% | 2,510 |
| Net interest margin | 2.9648% | 5,614 |
| Noninterest income to average assets | 0.4007% | 4,178 |
| Noninterest expense to average assets | 2.2763% | 5,258 |
| Loan and lease loss provision to assets | -0.1653% | 6,542 |
| Net operating income to assets | 0.7050% | 3,661 |
| Return on assets (ROA) | 0.7023% | 3,755 |
| Pretax return on assets | 1.1237% | 2,800 |
| Return on Equity (ROE) | 5.9010% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.9010% | 2,590 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2806% | 3,789 |
| Assets per employee ($millions) | 6.1483% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,234 |
| Loan loss allowance to noncurrent loans | 43.9634% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 2,120 |
| Noncurrent loans to loans | 3.3661% | 895 |
| Net loans and leases to total assets | 48.7944% | 5,024 |
| Net loans and leases to deposits | 60.8088% | 4,679 |
| Net loans and leases to core deposits | 67.2147% | 4,379 |
| Total domestic deposits to total assets | 80.2423% | 5,441 |
| Equity capital to assets | 11.8519% | 1,981 |
| Core capital (leverage) ratio | 11.4015% | 2,049 |
| Tier 1 risk-based capital ratio | 22.3859% | 1,234 |
| Total risk-based capital ratio | 23.6837% | 1,195 |
| Memoranda: | ||
| Average total assets | $96,822,000 | 4,801 |
| Average earning assets | $92,687,000 | 4,709 |
| Average equity | $11,523,500 | 4,505 |
| Average total loans | $49,448,000 | 4,951 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4262% | 5,784 |
| Cost of funding earning assets | 0.6478% | 2,219 |
| Net interest margin | 2.7785% | 6,015 |
| Noninterest income to average assets | 0.6169% | 2,991 |
| Noninterest expense to average assets | 2.5111% | 4,732 |
| Loan and lease loss provision to assets | 0.0512% | 4,110 |
| Net operating income to assets | 0.4450% | 4,977 |
| Return on assets (ROA) | 0.4443% | 5,104 |
| Pretax return on assets | 0.6949% | 4,561 |
| Return on Equity (ROE) | 3.5521% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.5521% | 3,688 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0677% | 2,610 |
| Assets per employee ($millions) | 5.6042% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 3,114 |
| Loan loss allowance to noncurrent loans | 47.4735% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6826% | 2,191 |
| Noncurrent loans to loans | 3.1948% | 1,054 |
| Net loans and leases to total assets | 51.8662% | 4,875 |
| Net loans and leases to deposits | 66.5204% | 4,240 |
| Net loans and leases to core deposits | 73.1897% | 3,925 |
| Total domestic deposits to total assets | 77.9704% | 5,833 |
| Equity capital to assets | 11.9531% | 1,837 |
| Core capital (leverage) ratio | 11.5942% | 1,892 |
| Tier 1 risk-based capital ratio | 22.2236% | 1,223 |
| Total risk-based capital ratio | 23.5237% | 1,186 |
| Memoranda: | ||
| Average total assets | $89,800,800 | 4,985 |
| Average earning assets | $85,371,200 | 4,898 |
| Average equity | $11,232,800 | 4,592 |
| Average total loans | $46,710,400 | 5,084 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 5,939 |
| Cost of funding earning assets | 0.6731% | 2,152 |
| Net interest margin | 2.7004% | 6,172 |
| Noninterest income to average assets | 0.7056% | 2,572 |
| Noninterest expense to average assets | 2.4229% | 4,950 |
| Loan and lease loss provision to assets | 0.0422% | 4,169 |
| Net operating income to assets | 0.4960% | 4,810 |
| Return on assets (ROA) | 0.4960% | 4,977 |
| Pretax return on assets | 0.8051% | 4,272 |
| Return on Equity (ROE) | 3.9187% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.9187% | 3,902 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0894% | 3,052 |
| Assets per employee ($millions) | 5.4056% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,079 |
| Loan loss allowance to noncurrent loans | 56.4161% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.4473% | 2,778 |
| Noncurrent loans to loans | 2.8072% | 1,484 |
| Net loans and leases to total assets | 50.2438% | 5,113 |
| Net loans and leases to deposits | 64.0300% | 4,519 |
| Net loans and leases to core deposits | 67.9610% | 4,529 |
| Total domestic deposits to total assets | 78.4691% | 5,830 |
| Equity capital to assets | 12.3128% | 1,702 |
| Core capital (leverage) ratio | 11.9454% | 1,704 |
| Tier 1 risk-based capital ratio | 23.2701% | 1,101 |
| Total risk-based capital ratio | 24.5743% | 1,073 |
| Memoranda: | ||
| Average total assets | $88,433,000 | 5,063 |
| Average earning assets | $83,985,750 | 4,975 |
| Average equity | $11,194,000 | 4,648 |
| Average total loans | $45,844,250 | 5,169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 5,956 |
| Cost of funding earning assets | 0.6989% | 2,067 |
| Net interest margin | 2.6771% | 6,213 |
| Noninterest income to average assets | 0.8135% | 2,131 |
| Noninterest expense to average assets | 2.4725% | 4,823 |
| Loan and lease loss provision to assets | 0.0642% | 3,736 |
| Net operating income to assets | 0.5010% | 4,791 |
| Return on assets (ROA) | 0.4995% | 4,975 |
| Pretax return on assets | 0.8112% | 4,269 |
| Return on Equity (ROE) | 3.9090% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.9090% | 3,806 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8030% | 3,168 |
| Assets per employee ($millions) | 5.6373% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,108 |
| Loan loss allowance to noncurrent loans | 57.7760% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5067% | 2,839 |
| Noncurrent loans to loans | 2.7900% | 1,626 |
| Net loans and leases to total assets | 50.2799% | 5,078 |
| Net loans and leases to deposits | 62.2911% | 4,696 |
| Net loans and leases to core deposits | 66.0708% | 4,683 |
| Total domestic deposits to total assets | 80.7178% | 5,420 |
| Equity capital to assets | 12.4162% | 1,631 |
| Core capital (leverage) ratio | 12.0505% | 1,587 |
| Tier 1 risk-based capital ratio | 24.6758% | 911 |
| Total risk-based capital ratio | 25.9862% | 888 |
| Memoranda: | ||
| Average total assets | $87,278,670 | 5,122 |
| Average earning assets | $82,702,670 | 5,030 |
| Average equity | $11,153,670 | 4,691 |
| Average total loans | $45,487,330 | 5,209 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 5,428 |
| Cost of funding earning assets | 0.7270% | 2,016 |
| Net interest margin | 2.8831% | 5,851 |
| Noninterest income to average assets | 1.0207% | 1,422 |
| Noninterest expense to average assets | 2.4004% | 5,118 |
| Loan and lease loss provision to assets | 0.0373% | 3,966 |
| Net operating income to assets | 0.8017% | 3,159 |
| Return on assets (ROA) | 0.8017% | 3,289 |
| Pretax return on assets | 1.3004% | 2,232 |
| Return on Equity (ROE) | 6.1809% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.1809% | 2,585 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2145% | 4,976 |
| Assets per employee ($millions) | 5.1153% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,399 |
| Loan loss allowance to noncurrent loans | 73.1781% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 3,494 |
| Noncurrent loans to loans | 2.1867% | 2,404 |
| Net loans and leases to total assets | 51.1258% | 4,817 |
| Net loans and leases to deposits | 60.5593% | 4,728 |
| Net loans and leases to core deposits | 64.2954% | 4,713 |
| Total domestic deposits to total assets | 84.4227% | 4,303 |
| Equity capital to assets | 12.9140% | 1,469 |
| Core capital (leverage) ratio | 12.4408% | 1,361 |
| Tier 1 risk-based capital ratio | 25.1045% | 874 |
| Total risk-based capital ratio | 26.4161% | 853 |
| Memoranda: | ||
| Average total assets | $85,819,500 | 5,203 |
| Average earning assets | $80,885,000 | 5,124 |
| Average equity | $11,131,000 | 4,748 |
| Average total loans | $45,184,000 | 5,243 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 5,573 |
| Cost of funding earning assets | 0.8472% | 2,311 |
| Net interest margin | 3.0527% | 5,925 |
| Noninterest income to average assets | 1.1260% | 1,229 |
| Noninterest expense to average assets | 2.7497% | 4,215 |
| Loan and lease loss provision to assets | 0.1682% | 3,517 |
| Net operating income to assets | 0.7034% | 3,719 |
| Return on assets (ROA) | 0.7558% | 3,726 |
| Pretax return on assets | 1.1985% | 2,814 |
| Return on Equity (ROE) | 6.0316% | 4,157 |
| Retained earnings to average equity (ytd only) | 6.0316% | 2,063 |
| Net charge-offs to loans | 0.0281% | 5,503 |
| Credit loss provision to net charge-offs | 1,107.6923% | 237 |
| Earnings coverage of net charge-offs (x) | 84.6154% | 458 |
| Efficiency ratio | 68.1529% | 4,117 |
| Assets per employee ($millions) | 5.6453% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 3,395 |
| Loan loss allowance to noncurrent loans | 72.0040% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 3,518 |
| Noncurrent loans to loans | 2.1976% | 2,471 |
| Net loans and leases to total assets | 52.5172% | 4,841 |
| Net loans and leases to deposits | 62.2773% | 4,753 |
| Net loans and leases to core deposits | 65.7952% | 4,760 |
| Total domestic deposits to total assets | 84.3279% | 4,170 |
| Equity capital to assets | 13.0280% | 1,439 |
| Core capital (leverage) ratio | 12.5701% | 1,297 |
| Tier 1 risk-based capital ratio | 25.0849% | 843 |
| Total risk-based capital ratio | 26.3981% | 823 |
| Memoranda: | ||
| Average total assets | $85,609,600 | 5,200 |
| Average earning assets | $81,566,400 | 5,088 |
| Average equity | $10,726,800 | 4,809 |
| Average total loans | $46,199,600 | 5,240 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 5,701 |
| Cost of funding earning assets | 0.8597% | 2,464 |
| Net interest margin | 3.0747% | 5,997 |
| Noninterest income to average assets | 1.1199% | 1,200 |
| Noninterest expense to average assets | 2.4587% | 5,222 |
| Loan and lease loss provision to assets | 0.2190% | 2,865 |
| Net operating income to assets | 0.8421% | 3,246 |
| Return on assets (ROA) | 0.9117% | 3,153 |
| Pretax return on assets | 1.4895% | 1,921 |
| Return on Equity (ROE) | 7.3485% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.3485% | 1,922 |
| Net charge-offs to loans | 0.0086% | 5,598 |
| Credit loss provision to net charge-offs | 4,700.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 343.3250% | 131 |
| Efficiency ratio | 60.5817% | 5,397 |
| Assets per employee ($millions) | 5.6323% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,640 |
| Loan loss allowance to noncurrent loans | 72.4173% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 4,033 |
| Noncurrent loans to loans | 2.1694% | 2,656 |
| Net loans and leases to total assets | 50.1959% | 5,293 |
| Net loans and leases to deposits | 60.9710% | 5,089 |
| Net loans and leases to core deposits | 64.5486% | 5,092 |
| Total domestic deposits to total assets | 82.3274% | 4,909 |
| Equity capital to assets | 12.2152% | 2,103 |
| Core capital (leverage) ratio | 11.7489% | 1,810 |
| Tier 1 risk-based capital ratio | 24.0196% | 1,018 |
| Total risk-based capital ratio | 25.4062% | 980 |
| Memoranda: | ||
| Average total assets | $85,842,250 | 5,246 |
| Average earning assets | $82,043,250 | 5,116 |
| Average equity | $10,650,500 | 4,875 |
| Average total loans | $46,453,000 | 5,298 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 5,496 |
| Cost of funding earning assets | 0.8889% | 2,493 |
| Net interest margin | 3.1568% | 5,852 |
| Noninterest income to average assets | 0.6942% | 2,703 |
| Noninterest expense to average assets | 2.4924% | 5,164 |
| Loan and lease loss provision to assets | 0.2132% | 2,943 |
| Net operating income to assets | 0.6178% | 4,296 |
| Return on assets (ROA) | 0.7179% | 4,038 |
| Pretax return on assets | 1.1656% | 3,059 |
| Return on Equity (ROE) | 5.7543% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.7543% | 2,850 |
| Net charge-offs to loans | 0.0129% | 5,267 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 264 |
| Efficiency ratio | 67.0918% | 4,305 |
| Assets per employee ($millions) | 5.2891% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 4,181 |
| Loan loss allowance to noncurrent loans | 64.6435% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 3,918 |
| Noncurrent loans to loans | 2.2658% | 2,658 |
| Net loans and leases to total assets | 53.3418% | 4,908 |
| Net loans and leases to deposits | 64.4881% | 4,697 |
| Net loans and leases to core deposits | 67.6493% | 4,832 |
| Total domestic deposits to total assets | 82.7157% | 4,870 |
| Equity capital to assets | 12.6663% | 1,707 |
| Core capital (leverage) ratio | 12.1941% | 1,500 |
| Tier 1 risk-based capital ratio | 23.6939% | 1,055 |
| Total risk-based capital ratio | 25.0809% | 1,019 |
| Memoranda: | ||
| Average total assets | $84,417,330 | 5,316 |
| Average earning assets | $80,777,670 | 5,181 |
| Average equity | $10,531,330 | 4,906 |
| Average total loans | $46,618,330 | 5,319 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 5,282 |
| Cost of funding earning assets | 0.9239% | 2,486 |
| Net interest margin | 3.2237% | 5,722 |
| Noninterest income to average assets | 0.6547% | 2,905 |
| Noninterest expense to average assets | 2.5002% | 5,150 |
| Loan and lease loss provision to assets | 0.2657% | 2,336 |
| Net operating income to assets | 0.6073% | 4,311 |
| Return on assets (ROA) | 0.6073% | 4,524 |
| Pretax return on assets | 0.9678% | 3,802 |
| Return on Equity (ROE) | 4.9054% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.9054% | 3,611 |
| Net charge-offs to loans | 0.0255% | 4,328 |
| Credit loss provision to net charge-offs | 1,866.6667% | 181 |
| Earnings coverage of net charge-offs (x) | 86.6667% | 392 |
| Efficiency ratio | 66.9632% | 4,363 |
| Assets per employee ($millions) | 5.7193% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,769 |
| Loan loss allowance to noncurrent loans | 80.4293% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 4,613 |
| Noncurrent loans to loans | 1.6902% | 3,575 |
| Net loans and leases to total assets | 53.8764% | 4,743 |
| Net loans and leases to deposits | 63.7271% | 4,668 |
| Net loans and leases to core deposits | 66.6157% | 4,841 |
| Total domestic deposits to total assets | 84.5423% | 4,252 |
| Equity capital to assets | 12.2510% | 1,877 |
| Core capital (leverage) ratio | 11.8241% | 1,695 |
| Tier 1 risk-based capital ratio | 23.5483% | 1,062 |
| Total risk-based capital ratio | 24.8021% | 1,045 |
| Memoranda: | ||
| Average total assets | $84,313,000 | 5,358 |
| Average earning assets | $80,528,000 | 5,231 |
| Average equity | $10,437,500 | 4,932 |
| Average total loans | $47,021,500 | 5,339 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 5,849 |
| Cost of funding earning assets | 1.1295% | 2,474 |
| Net interest margin | 3.1424% | 6,243 |
| Noninterest income to average assets | 0.5329% | 3,632 |
| Noninterest expense to average assets | 2.2768% | 6,096 |
| Loan and lease loss provision to assets | 0.1427% | 4,830 |
| Net operating income to assets | 0.7192% | 3,392 |
| Return on assets (ROA) | 0.7192% | 3,564 |
| Pretax return on assets | 1.1378% | 2,701 |
| Return on Equity (ROE) | 6.0828% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.0828% | 1,970 |
| Net charge-offs to loans | 0.1312% | 5,100 |
| Credit loss provision to net charge-offs | 195.1613% | 1,302 |
| Earnings coverage of net charge-offs (x) | 17.5161% | 1,269 |
| Efficiency ratio | 64.0040% | 5,127 |
| Assets per employee ($millions) | 4.6021% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,692 |
| Loan loss allowance to noncurrent loans | 66.0891% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 4,606 |
| Noncurrent loans to loans | 1.7124% | 3,592 |
| Net loans and leases to total assets | 56.3178% | 4,647 |
| Net loans and leases to deposits | 66.8836% | 4,607 |
| Net loans and leases to core deposits | 70.4064% | 4,731 |
| Total domestic deposits to total assets | 84.2027% | 4,236 |
| Equity capital to assets | 12.5125% | 1,791 |
| Core capital (leverage) ratio | 12.1746% | 1,505 |
| Tier 1 risk-based capital ratio | 19.9338% | 1,661 |
| Total risk-based capital ratio | 21.0588% | 1,652 |
| Memoranda: | ||
| Average total assets | $84,812,400 | 5,315 |
| Average earning assets | $81,625,600 | 5,182 |
| Average equity | $10,028,200 | 5,007 |
| Average total loans | $47,258,600 | 5,373 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 6,035 |
| Cost of funding earning assets | 1.1651% | 2,534 |
| Net interest margin | 3.1027% | 6,377 |
| Noninterest income to average assets | 0.4861% | 3,985 |
| Noninterest expense to average assets | 2.2303% | 6,211 |
| Loan and lease loss provision to assets | 0.0250% | 6,142 |
| Net operating income to assets | 0.7783% | 3,260 |
| Return on assets (ROA) | 0.7783% | 3,428 |
| Pretax return on assets | 1.2191% | 2,566 |
| Return on Equity (ROE) | 6.6772% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.6772% | 2,147 |
| Net charge-offs to loans | 0.0338% | 5,676 |
| Credit loss provision to net charge-offs | 133.3333% | 2,386 |
| Earnings coverage of net charge-offs (x) | 66.3319% | 497 |
| Efficiency ratio | 64.1925% | 5,034 |
| Assets per employee ($millions) | 5.0589% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,197 |
| Loan loss allowance to noncurrent loans | 98.9669% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 5,597 |
| Noncurrent loans to loans | 1.0251% | 4,845 |
| Net loans and leases to total assets | 54.3418% | 5,123 |
| Net loans and leases to deposits | 64.0284% | 5,165 |
| Net loans and leases to core deposits | 67.4815% | 5,240 |
| Total domestic deposits to total assets | 84.8713% | 3,833 |
| Equity capital to assets | 11.8823% | 2,348 |
| Core capital (leverage) ratio | 11.5796% | 1,970 |
| Tier 1 risk-based capital ratio | 22.4937% | 1,219 |
| Total risk-based capital ratio | 23.6466% | 1,206 |
| Memoranda: | ||
| Average total assets | $85,306,250 | 5,344 |
| Average earning assets | $82,163,250 | 5,212 |
| Average equity | $9,944,000 | 5,048 |
| Average total loans | $47,276,750 | 5,412 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 5,984 |
| Cost of funding earning assets | 1.2100% | 2,504 |
| Net interest margin | 3.1020% | 6,405 |
| Noninterest income to average assets | 0.3362% | 5,200 |
| Noninterest expense to average assets | 2.3062% | 6,109 |
| Loan and lease loss provision to assets | 0.0024% | 6,207 |
| Net operating income to assets | 0.6653% | 3,713 |
| Return on assets (ROA) | 0.6653% | 3,837 |
| Pretax return on assets | 1.0109% | 3,204 |
| Return on Equity (ROE) | 5.7448% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.7448% | 2,570 |
| Net charge-offs to loans | 0.0042% | 5,824 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 431.0000% | 75 |
| Efficiency ratio | 69.4759% | 4,214 |
| Assets per employee ($millions) | 5.3488% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 6,296 |
| Loan loss allowance to noncurrent loans | 47.3108% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1965% | 4,497 |
| Noncurrent loans to loans | 2.1285% | 3,315 |
| Net loans and leases to total assets | 54.5618% | 5,214 |
| Net loans and leases to deposits | 66.0238% | 4,996 |
| Net loans and leases to core deposits | 69.7050% | 5,107 |
| Total domestic deposits to total assets | 82.6396% | 4,933 |
| Equity capital to assets | 11.7586% | 2,278 |
| Core capital (leverage) ratio | 11.3934% | 1,983 |
| Tier 1 risk-based capital ratio | 22.0413% | 1,251 |
| Total risk-based capital ratio | 23.1886% | 1,237 |
| Memoranda: | ||
| Average total assets | $85,074,330 | 5,392 |
| Average earning assets | $81,818,670 | 5,265 |
| Average equity | $9,852,330 | 5,089 |
| Average total loans | $47,297,670 | 5,463 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 6,159 |
| Cost of funding earning assets | 1.2578% | 2,452 |
| Net interest margin | 2.9884% | 6,598 |
| Noninterest income to average assets | 0.3631% | 5,009 |
| Noninterest expense to average assets | 2.2824% | 6,235 |
| Loan and lease loss provision to assets | 0.0047% | 5,807 |
| Net operating income to assets | 0.5800% | 4,133 |
| Return on assets (ROA) | 0.5800% | 4,201 |
| Pretax return on assets | 0.9667% | 3,260 |
| Return on Equity (ROE) | 5.0477% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.0477% | 3,158 |
| Net charge-offs to loans | 0.0084% | 4,991 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 149 |
| Efficiency ratio | 70.1449% | 4,230 |
| Assets per employee ($millions) | 5.3116% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,351 |
| Loan loss allowance to noncurrent loans | 34.3705% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 3,772 |
| Noncurrent loans to loans | 2.9433% | 2,552 |
| Net loans and leases to total assets | 54.6902% | 5,212 |
| Net loans and leases to deposits | 64.2481% | 5,220 |
| Net loans and leases to core deposits | 72.0404% | 4,781 |
| Total domestic deposits to total assets | 85.1234% | 3,980 |
| Equity capital to assets | 11.5419% | 2,230 |
| Core capital (leverage) ratio | 11.2628% | 1,991 |
| Tier 1 risk-based capital ratio | 21.6012% | 1,301 |
| Total risk-based capital ratio | 22.7456% | 1,289 |
| Memoranda: | ||
| Average total assets | $84,821,500 | 5,447 |
| Average earning assets | $82,050,000 | 5,297 |
| Average equity | $9,747,000 | 5,107 |
| Average total loans | $47,362,000 | 5,506 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 6,240 |
| Cost of funding earning assets | 1.5786% | 2,197 |
| Net interest margin | 2.9755% | 6,782 |
| Noninterest income to average assets | 0.7122% | 2,773 |
| Noninterest expense to average assets | 2.0575% | 6,935 |
| Loan and lease loss provision to assets | 0.0318% | 6,819 |
| Net operating income to assets | 0.8879% | 2,436 |
| Return on assets (ROA) | 0.8879% | 2,570 |
| Pretax return on assets | 1.4986% | 1,378 |
| Return on Equity (ROE) | 8.1372% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.1372% | 943 |
| Net charge-offs to loans | 0.0510% | 6,282 |
| Credit loss provision to net charge-offs | 108.0000% | 4,102 |
| Earnings coverage of net charge-offs (x) | 51.9200% | 449 |
| Efficiency ratio | 57.3447% | 6,412 |
| Assets per employee ($millions) | 5.2911% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 6,420 |
| Loan loss allowance to noncurrent loans | 46.6077% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 4,571 |
| Noncurrent loans to loans | 2.1290% | 3,400 |
| Net loans and leases to total assets | 55.8678% | 5,366 |
| Net loans and leases to deposits | 66.4120% | 5,350 |
| Net loans and leases to core deposits | 71.0780% | 5,324 |
| Total domestic deposits to total assets | 84.1230% | 4,309 |
| Equity capital to assets | 11.4403% | 2,315 |
| Core capital (leverage) ratio | 11.1596% | 2,039 |
| Tier 1 risk-based capital ratio | 20.9705% | 1,321 |
| Total risk-based capital ratio | 22.0947% | 1,323 |
| Memoranda: | ||
| Average total assets | $84,810,400 | 5,450 |
| Average earning assets | $81,968,800 | 5,277 |
| Average equity | $9,253,800 | 5,342 |
| Average total loans | $48,978,800 | 5,523 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 6,471 |
| Cost of funding earning assets | 1.6429% | 2,143 |
| Net interest margin | 2.9052% | 6,998 |
| Noninterest income to average assets | 0.6191% | 3,321 |
| Noninterest expense to average assets | 1.9784% | 7,087 |
| Loan and lease loss provision to assets | 0.0189% | 6,863 |
| Net operating income to assets | 0.8423% | 2,835 |
| Return on assets (ROA) | 0.8423% | 2,963 |
| Pretax return on assets | 1.4284% | 1,799 |
| Return on Equity (ROE) | 7.8138% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.8138% | 1,482 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7523% | 6,305 |
| Assets per employee ($millions) | 5.6585% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 6,345 |
| Loan loss allowance to noncurrent loans | 47.4045% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2807% | 4,584 |
| Noncurrent loans to loans | 2.1324% | 3,538 |
| Net loans and leases to total assets | 55.8408% | 5,565 |
| Net loans and leases to deposits | 65.8506% | 5,679 |
| Net loans and leases to core deposits | 70.1560% | 5,732 |
| Total domestic deposits to total assets | 84.7992% | 3,721 |
| Equity capital to assets | 11.2622% | 2,732 |
| Core capital (leverage) ratio | 10.8983% | 2,335 |
| Tier 1 risk-based capital ratio | 20.6134% | 1,423 |
| Total risk-based capital ratio | 21.7695% | 1,425 |
| Memoranda: | ||
| Average total assets | $84,848,750 | 5,509 |
| Average earning assets | $81,966,250 | 5,344 |
| Average equity | $9,146,000 | 5,454 |
| Average total loans | $49,281,000 | 5,595 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 6,580 |
| Cost of funding earning assets | 1.7303% | 1,966 |
| Net interest margin | 2.8245% | 7,115 |
| Noninterest income to average assets | 0.3206% | 5,596 |
| Noninterest expense to average assets | 1.9590% | 7,169 |
| Loan and lease loss provision to assets | 0.0283% | 6,663 |
| Net operating income to assets | 0.6176% | 3,793 |
| Return on assets (ROA) | 0.6176% | 3,930 |
| Pretax return on assets | 1.0655% | 2,885 |
| Return on Equity (ROE) | 5.8168% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.8168% | 2,438 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1699% | 5,304 |
| Assets per employee ($millions) | 6.0072% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 6,486 |
| Loan loss allowance to noncurrent loans | 33.4023% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 1.8620% | 3,675 |
| Noncurrent loans to loans | 2.9322% | 2,729 |
| Net loans and leases to total assets | 58.1836% | 5,385 |
| Net loans and leases to deposits | 67.7367% | 5,584 |
| Net loans and leases to core deposits | 72.1332% | 5,654 |
| Total domestic deposits to total assets | 85.8967% | 3,151 |
| Equity capital to assets | 10.9190% | 2,952 |
| Core capital (leverage) ratio | 10.6518% | 2,496 |
| Tier 1 risk-based capital ratio | 19.7509% | 1,552 |
| Total risk-based capital ratio | 20.8947% | 1,550 |
| Memoranda: | ||
| Average total assets | $84,839,330 | 5,538 |
| Average earning assets | $82,069,000 | 5,366 |
| Average equity | $9,008,330 | 5,499 |
| Average total loans | $49,748,000 | 5,618 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 6,583 |
| Cost of funding earning assets | 1.8076% | 1,844 |
| Net interest margin | 2.7842% | 7,201 |
| Noninterest income to average assets | 0.2535% | 6,124 |
| Noninterest expense to average assets | 1.9576% | 7,238 |
| Loan and lease loss provision to assets | 0.0563% | 6,094 |
| Net operating income to assets | 0.5352% | 4,209 |
| Return on assets (ROA) | 0.5352% | 4,349 |
| Pretax return on assets | 0.9295% | 3,351 |
| Return on Equity (ROE) | 5.1115% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.1115% | 3,097 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5072% | 5,007 |
| Assets per employee ($millions) | 6.5205% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 6,566 |
| Loan loss allowance to noncurrent loans | 108.7640% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8506% | 5,458 |
| Noncurrent loans to loans | 0.8996% | 5,520 |
| Net loans and leases to total assets | 57.7861% | 5,480 |
| Net loans and leases to deposits | 67.0339% | 5,707 |
| Net loans and leases to core deposits | 71.3539% | 5,789 |
| Total domestic deposits to total assets | 86.2044% | 3,028 |
| Equity capital to assets | 10.6045% | 3,140 |
| Core capital (leverage) ratio | 10.3838% | 2,733 |
| Tier 1 risk-based capital ratio | 18.9867% | 1,729 |
| Total risk-based capital ratio | 20.1059% | 1,714 |
| Memoranda: | ||
| Average total assets | $85,208,500 | 5,594 |
| Average earning assets | $82,321,000 | 5,425 |
| Average equity | $8,921,000 | 5,565 |
| Average total loans | $49,913,500 | 5,671 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0505% | 6,258 |
| Cost of funding earning assets | 2.3152% | 1,597 |
| Net interest margin | 2.7353% | 7,160 |
| Noninterest income to average assets | 0.6495% | 3,295 |
| Noninterest expense to average assets | 1.9207% | 7,471 |
| Loan and lease loss provision to assets | 0.0906% | 6,700 |
| Net operating income to assets | 0.7363% | 2,786 |
| Return on assets (ROA) | 0.7274% | 2,900 |
| Pretax return on assets | 1.2491% | 1,828 |
| Return on Equity (ROE) | 7.3471% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.3471% | 862 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6586% | 6,669 |
| Assets per employee ($millions) | 6.5885% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,679 |
| Loan loss allowance to noncurrent loans | 147.0405% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 6,073 |
| Noncurrent loans to loans | 0.6374% | 5,959 |
| Net loans and leases to total assets | 58.2457% | 5,624 |
| Net loans and leases to deposits | 69.1554% | 5,705 |
| Net loans and leases to core deposits | 90.9519% | 5,019 |
| Total domestic deposits to total assets | 84.2244% | 3,933 |
| Equity capital to assets | 10.3361% | 3,359 |
| Core capital (leverage) ratio | 10.1391% | 2,962 |
| Tier 1 risk-based capital ratio | 18.4429% | 1,765 |
| Total risk-based capital ratio | 19.5177% | 1,772 |
| Memoranda: | ||
| Average total assets | $86,062,400 | 5,522 |
| Average earning assets | $82,586,400 | 5,377 |
| Average equity | $8,520,400 | 5,759 |
| Average total loans | $50,975,800 | 5,624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 6,251 |
| Cost of funding earning assets | 2.3817% | 1,696 |
| Net interest margin | 2.7227% | 7,177 |
| Noninterest income to average assets | 0.7226% | 2,864 |
| Noninterest expense to average assets | 1.9172% | 7,516 |
| Loan and lease loss provision to assets | 0.1021% | 6,351 |
| Net operating income to assets | 0.7609% | 2,979 |
| Return on assets (ROA) | 0.8124% | 2,821 |
| Pretax return on assets | 1.3911% | 1,720 |
| Return on Equity (ROE) | 8.2963% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.2963% | 1,046 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5743% | 6,778 |
| Assets per employee ($millions) | 6.8394% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,797 |
| Loan loss allowance to noncurrent loans | 63.1001% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 5,451 |
| Noncurrent loans to loans | 1.4095% | 4,556 |
| Net loans and leases to total assets | 57.6548% | 5,938 |
| Net loans and leases to deposits | 69.3086% | 5,999 |
| Net loans and leases to core deposits | 91.6342% | 5,265 |
| Total domestic deposits to total assets | 83.1856% | 4,129 |
| Equity capital to assets | 9.8097% | 4,338 |
| Core capital (leverage) ratio | 9.6473% | 3,719 |
| Tier 1 risk-based capital ratio | 18.8042% | 1,795 |
| Total risk-based capital ratio | 19.8460% | 1,799 |
| Memoranda: | ||
| Average total assets | $86,165,250 | 5,548 |
| Average earning assets | $82,515,500 | 5,410 |
| Average equity | $8,437,250 | 5,841 |
| Average total loans | $51,129,750 | 5,666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 6,335 |
| Cost of funding earning assets | 2.4409% | 1,812 |
| Net interest margin | 2.6847% | 7,237 |
| Noninterest income to average assets | 0.9290% | 1,848 |
| Noninterest expense to average assets | 1.8628% | 7,669 |
| Loan and lease loss provision to assets | 0.0563% | 6,659 |
| Net operating income to assets | 0.9337% | 2,332 |
| Return on assets (ROA) | 0.9337% | 2,426 |
| Pretax return on assets | 1.5930% | 1,222 |
| Return on Equity (ROE) | 9.5417% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.5417% | 804 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0394% | 7,430 |
| Assets per employee ($millions) | 6.6595% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 7,060 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 6,167 |
| Noncurrent loans to loans | 0.8703% | 5,477 |
| Net loans and leases to total assets | 57.9164% | 5,974 |
| Net loans and leases to deposits | 68.9541% | 6,096 |
| Net loans and leases to core deposits | 90.6691% | 5,478 |
| Total domestic deposits to total assets | 83.9927% | 3,778 |
| Equity capital to assets | 9.8241% | 4,183 |
| Core capital (leverage) ratio | 9.7447% | 3,577 |
| Tier 1 risk-based capital ratio | 18.9891% | 1,783 |
| Total risk-based capital ratio | 19.9587% | 1,786 |
| Memoranda: | ||
| Average total assets | $85,249,670 | 5,610 |
| Average earning assets | $82,020,000 | 5,465 |
| Average equity | $8,342,330 | 5,904 |
| Average total loans | $50,932,330 | 5,722 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 6,395 |
| Cost of funding earning assets | 2.5405% | 1,767 |
| Net interest margin | 2.6340% | 7,322 |
| Noninterest income to average assets | 0.9363% | 1,708 |
| Noninterest expense to average assets | 1.8017% | 7,697 |
| Loan and lease loss provision to assets | 0.0567% | 6,254 |
| Net operating income to assets | 0.9410% | 2,542 |
| Return on assets (ROA) | 0.9410% | 2,673 |
| Pretax return on assets | 1.6078% | 1,385 |
| Return on Equity (ROE) | 9.6356% | 2,478 |
| Retained earnings to average equity (ytd only) | 9.6356% | 1,301 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9782% | 7,423 |
| Assets per employee ($millions) | 7.1297% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 7,150 |
| Loan loss allowance to noncurrent loans | 50.5604% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 4,844 |
| Noncurrent loans to loans | 1.5876% | 3,894 |
| Net loans and leases to total assets | 58.6446% | 5,852 |
| Net loans and leases to deposits | 69.9474% | 5,982 |
| Net loans and leases to core deposits | 87.6923% | 5,769 |
| Total domestic deposits to total assets | 83.8410% | 3,778 |
| Equity capital to assets | 9.8462% | 4,187 |
| Core capital (leverage) ratio | 9.6552% | 3,814 |
| Tier 1 risk-based capital ratio | 18.9817% | 1,816 |
| Total risk-based capital ratio | 19.9409% | 1,839 |
| Memoranda: | ||
| Average total assets | $84,588,000 | 5,658 |
| Average earning assets | $81,244,000 | 5,512 |
| Average equity | $8,261,000 | 5,967 |
| Average total loans | $51,119,500 | 5,751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 6,171 |
| Cost of funding earning assets | 3.0936% | 1,522 |
| Net interest margin | 2.7794% | 7,368 |
| Noninterest income to average assets | 0.2990% | 6,321 |
| Noninterest expense to average assets | 1.7827% | 7,772 |
| Loan and lease loss provision to assets | 0.0673% | 6,551 |
| Net operating income to assets | 0.6590% | 4,070 |
| Return on assets (ROA) | 0.6590% | 3,916 |
| Pretax return on assets | 1.1374% | 2,889 |
| Return on Equity (ROE) | 6.7275% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.7275% | 1,252 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6747% | 6,406 |
| Assets per employee ($millions) | 6.9683% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 7,237 |
| Loan loss allowance to noncurrent loans | 154.5098% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,377 |
| Noncurrent loans to loans | 0.4936% | 5,870 |
| Net loans and leases to total assets | 61.3071% | 5,725 |
| Net loans and leases to deposits | 73.4877% | 5,897 |
| Net loans and leases to core deposits | 98.1900% | 5,019 |
| Total domestic deposits to total assets | 83.4250% | 3,603 |
| Equity capital to assets | 9.6843% | 4,443 |
| Core capital (leverage) ratio | 9.6196% | 3,857 |
| Tier 1 risk-based capital ratio | 18.4519% | 1,929 |
| Total risk-based capital ratio | 19.3758% | 1,961 |
| Memoranda: | ||
| Average total assets | $80,270,400 | 5,696 |
| Average earning assets | $77,644,000 | 5,519 |
| Average equity | $7,863,200 | 6,145 |
| Average total loans | $51,333,200 | 5,650 |