Home > Fidelity Federal Savings and Loan Association of Delaware > Performance and Condition Ratios
Fidelity Federal Savings and Loan Association of Delaware, 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 | 3.6174% | 4,337 |
| Cost of funding earning assets | 0.7699% | 3,811 |
| Net interest margin | 2.8475% | 3,574 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 3.1731% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.2458% | 4,473 |
| Return on assets (ROA) | -0.2897% | 4,466 |
| Pretax return on assets | -0.3833% | 4,470 |
| Return on Equity (ROE) | -2.2300% | 4,424 |
| Retained earnings to average equity (ytd only) | -2.2256% | 4,286 |
| Net charge-offs to loans | -0.0161% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 111.5202% | 103 |
| Assets per employee ($millions) | 6.4486% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,229 |
| Loan loss allowance to noncurrent loans | 945.0704% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,218 |
| Noncurrent loans to loans | 0.1075% | 3,001 |
| Net loans and leases to total assets | 50.7000% | 3,552 |
| Net loans and leases to deposits | 67.2816% | 3,086 |
| Net loans and leases to core deposits | 70.5680% | 3,273 |
| Total domestic deposits to total assets | 75.3600% | 3,995 |
| Equity capital to assets | 13.2277% | 818 |
| Core capital (leverage) ratio | 18.4344% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4738% | 171 |
| Memoranda: | ||
| Average total assets | $125,995,000 | 3,588 |
| Average earning assets | $120,140,600 | 3,543 |
| Average equity | $16,400,400 | 3,150 |
| Average total loans | $62,089,400 | 3,678 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 4,320 |
| Cost of funding earning assets | 0.6393% | 3,900 |
| Net interest margin | 2.9438% | 3,444 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 3.2393% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.2222% | 4,500 |
| Return on assets (ROA) | -0.2810% | 4,499 |
| Pretax return on assets | -0.3768% | 4,498 |
| Return on Equity (ROE) | -2.1700% | 4,456 |
| Retained earnings to average equity (ytd only) | -2.1680% | 4,329 |
| Net charge-offs to loans | -0.0218% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 110.2936% | 103 |
| Assets per employee ($millions) | 6.2463% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,140 |
| Loan loss allowance to noncurrent loans | 283.1224% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,327 |
| Noncurrent loans to loans | 0.3681% | 1,915 |
| Net loans and leases to total assets | 51.0100% | 3,555 |
| Net loans and leases to deposits | 63.0636% | 3,322 |
| Net loans and leases to core deposits | 65.8455% | 3,435 |
| Total domestic deposits to total assets | 80.8800% | 3,404 |
| Equity capital to assets | 12.3657% | 954 |
| Core capital (leverage) ratio | 18.2511% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3156% | 171 |
| Memoranda: | ||
| Average total assets | $125,250,750 | 3,614 |
| Average earning assets | $119,297,250 | 3,568 |
| Average equity | $16,235,500 | 3,147 |
| Average total loans | $61,096,750 | 3,700 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 4,386 |
| Cost of funding earning assets | 0.3803% | 4,199 |
| Net interest margin | 3.0739% | 3,276 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.9515% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1292% | 4,347 |
| Return on assets (ROA) | 0.0175% | 4,439 |
| Pretax return on assets | 0.0032% | 4,442 |
| Return on Equity (ROE) | 0.1300% | 4,427 |
| Retained earnings to average equity (ytd only) | 0.1333% | 4,044 |
| Net charge-offs to loans | -0.0333% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.2539% | 217 |
| Assets per employee ($millions) | 6.0439% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 2,986 |
| Loan loss allowance to noncurrent loans | 390.1163% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 2,600 |
| Noncurrent loans to loans | 0.2801% | 2,142 |
| Net loans and leases to total assets | 47.8500% | 3,697 |
| Net loans and leases to deposits | 59.5060% | 3,452 |
| Net loans and leases to core deposits | 61.9755% | 3,540 |
| Total domestic deposits to total assets | 80.4200% | 3,515 |
| Equity capital to assets | 13.0348% | 799 |
| Core capital (leverage) ratio | 18.7033% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4639% | 158 |
| Memoranda: | ||
| Average total assets | $125,359,000 | 3,623 |
| Average earning assets | $119,393,667 | 3,579 |
| Average equity | $16,498,000 | 3,143 |
| Average total loans | $59,998,000 | 3,722 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4254% | 4,351 |
| Cost of funding earning assets | 0.2700% | 4,256 |
| Net interest margin | 3.1554% | 3,220 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.9572% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1597% | 4,392 |
| Return on assets (ROA) | 0.1541% | 4,373 |
| Pretax return on assets | 0.1766% | 4,359 |
| Return on Equity (ROE) | 1.1700% | 4,369 |
| Retained earnings to average equity (ytd only) | 1.1654% | 3,843 |
| Net charge-offs to loans | -0.1147% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.1718% | 258 |
| Assets per employee ($millions) | 5.6088% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 2,887 |
| Loan loss allowance to noncurrent loans | 318.3099% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 2,295 |
| Noncurrent loans to loans | 0.3563% | 1,867 |
| Net loans and leases to total assets | 47.9000% | 3,639 |
| Net loans and leases to deposits | 55.6014% | 3,590 |
| Net loans and leases to core deposits | 57.1215% | 3,688 |
| Total domestic deposits to total assets | 86.1600% | 2,542 |
| Equity capital to assets | 13.5947% | 653 |
| Core capital (leverage) ratio | 18.8273% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5759% | 161 |
| Memoranda: | ||
| Average total assets | $124,577,500 | 3,675 |
| Average earning assets | $118,528,000 | 3,625 |
| Average equity | $16,475,000 | 3,177 |
| Average total loans | $59,293,500 | 3,768 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9350% | 4,205 |
| Cost of funding earning assets | 0.2032% | 3,733 |
| Net interest margin | 2.7318% | 4,010 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.7031% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0474% | 4,539 |
| Return on assets (ROA) | 0.0520% | 4,524 |
| Pretax return on assets | 0.0360% | 4,526 |
| Return on Equity (ROE) | 0.3600% | 4,527 |
| Retained earnings to average equity (ytd only) | 0.3636% | 4,292 |
| Net charge-offs to loans | 0.0088% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,274 |
| Efficiency ratio | 98.8525% | 159 |
| Assets per employee ($millions) | 6.2881% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4898% | 4,441 |
| Loan loss allowance to noncurrent loans | 134.5794% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,357 |
| Noncurrent loans to loans | 0.3640% | 1,832 |
| Net loans and leases to total assets | 46.5200% | 3,769 |
| Net loans and leases to deposits | 53.5311% | 3,703 |
| Net loans and leases to core deposits | 55.0817% | 3,762 |
| Total domestic deposits to total assets | 86.9100% | 2,416 |
| Equity capital to assets | 12.8617% | 727 |
| Core capital (leverage) ratio | 18.5920% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.5114% | 156 |
| Memoranda: | ||
| Average total assets | $130,666,400 | 3,625 |
| Average earning assets | $124,972,800 | 3,569 |
| Average equity | $18,703,600 | 3,064 |
| Average total loans | $56,590,000 | 3,797 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7990% | 4,198 |
| Cost of funding earning assets | 0.2037% | 3,224 |
| Net interest margin | 2.5953% | 4,108 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.6556% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.0109% | 4,606 |
| Return on assets (ROA) | -0.0061% | 4,578 |
| Pretax return on assets | -0.0364% | 4,581 |
| Return on Equity (ROE) | -0.0400% | 4,560 |
| Retained earnings to average equity (ytd only) | -0.0414% | 4,350 |
| Net charge-offs to loans | 0.0119% | 1,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -8.4000% | 4,733 |
| Efficiency ratio | 101.6248% | 144 |
| Assets per employee ($millions) | 6.5423% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 4,470 |
| Loan loss allowance to noncurrent loans | 720.0000% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,616 |
| Noncurrent loans to loans | 0.0699% | 3,375 |
| Net loans and leases to total assets | 43.5300% | 3,905 |
| Net loans and leases to deposits | 49.9662% | 3,857 |
| Net loans and leases to core deposits | 51.3499% | 3,884 |
| Total domestic deposits to total assets | 87.1300% | 2,721 |
| Equity capital to assets | 12.6409% | 741 |
| Core capital (leverage) ratio | 17.7196% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0895% | 152 |
| Memoranda: | ||
| Average total assets | $131,892,750 | 3,640 |
| Average earning assets | $126,329,500 | 3,589 |
| Average equity | $19,335,750 | 3,053 |
| Average total loans | $56,038,000 | 3,820 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6795% | 4,171 |
| Cost of funding earning assets | 0.2065% | 2,832 |
| Net interest margin | 2.4730% | 4,128 |
| Noninterest income to average assets | 0.1361% | 4,331 |
| Noninterest expense to average assets | 2.5862% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0389% | 4,593 |
| Return on assets (ROA) | -0.0318% | 4,557 |
| Pretax return on assets | -0.0681% | 4,564 |
| Return on Equity (ROE) | -0.2072% | 4,556 |
| Retained earnings to average equity (ytd only) | -0.2072% | 4,205 |
| Net charge-offs to loans | -0.0036% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0741% | 162 |
| Assets per employee ($millions) | 6.2196% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 4,540 |
| Loan loss allowance to noncurrent loans | 118.5484% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 2,392 |
| Noncurrent loans to loans | 0.4342% | 1,823 |
| Net loans and leases to total assets | 43.5098% | 3,871 |
| Net loans and leases to deposits | 50.3125% | 3,799 |
| Net loans and leases to core deposits | 51.5685% | 3,840 |
| Total domestic deposits to total assets | 86.4790% | 3,116 |
| Equity capital to assets | 13.3303% | 606 |
| Core capital (leverage) ratio | 17.5485% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.5339% | 110 |
| Memoranda: | ||
| Average total assets | $132,242,000 | 3,677 |
| Average earning assets | $126,891,667 | 3,634 |
| Average equity | $20,267,667 | 3,044 |
| Average total loans | $55,633,667 | 3,870 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6073% | 4,107 |
| Cost of funding earning assets | 0.2061% | 2,706 |
| Net interest margin | 2.4012% | 4,064 |
| Noninterest income to average assets | 0.1263% | 4,375 |
| Noninterest expense to average assets | 2.5252% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0481% | 4,568 |
| Return on assets (ROA) | -0.0481% | 4,549 |
| Pretax return on assets | -0.0872% | 4,563 |
| Return on Equity (ROE) | -0.2950% | 4,544 |
| Retained earnings to average equity (ytd only) | -0.2950% | 4,055 |
| Net charge-offs to loans | -0.0073% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5758% | 196 |
| Assets per employee ($millions) | 6.6138% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5315% | 4,558 |
| Loan loss allowance to noncurrent loans | 735.0000% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,735 |
| Noncurrent loans to loans | 0.0723% | 3,490 |
| Net loans and leases to total assets | 41.5967% | 3,906 |
| Net loans and leases to deposits | 49.2786% | 3,792 |
| Net loans and leases to core deposits | 50.2539% | 3,859 |
| Total domestic deposits to total assets | 84.4113% | 3,671 |
| Equity capital to assets | 15.3740% | 358 |
| Core capital (leverage) ratio | 17.5305% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2814% | 102 |
| Memoranda: | ||
| Average total assets | $133,057,000 | 3,692 |
| Average earning assets | $128,100,000 | 3,635 |
| Average equity | $21,696,000 | 3,009 |
| Average total loans | $54,889,000 | 3,888 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7472% | 4,263 |
| Cost of funding earning assets | 0.2762% | 2,636 |
| Net interest margin | 2.4710% | 4,231 |
| Noninterest income to average assets | 0.2332% | 3,986 |
| Noninterest expense to average assets | 2.4799% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1253% | 4,604 |
| Return on assets (ROA) | 0.2293% | 4,519 |
| Pretax return on assets | 0.2502% | 4,528 |
| Return on Equity (ROE) | 1.2651% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.2651% | 4,185 |
| Net charge-offs to loans | -0.0107% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7602% | 215 |
| Assets per employee ($millions) | 7.0442% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5380% | 4,592 |
| Loan loss allowance to noncurrent loans | 732.5000% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,824 |
| Noncurrent loans to loans | 0.0734% | 3,566 |
| Net loans and leases to total assets | 40.4733% | 4,071 |
| Net loans and leases to deposits | 49.0337% | 3,940 |
| Net loans and leases to core deposits | 50.0088% | 4,015 |
| Total domestic deposits to total assets | 82.5417% | 3,889 |
| Equity capital to assets | 17.2267% | 290 |
| Core capital (leverage) ratio | 16.9779% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4159% | 96 |
| Memoranda: | ||
| Average total assets | $129,075,600 | 3,692 |
| Average earning assets | $124,526,200 | 3,634 |
| Average equity | $23,397,000 | 2,949 |
| Average total loans | $56,237,200 | 3,892 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7905% | 4,307 |
| Cost of funding earning assets | 0.2898% | 2,690 |
| Net interest margin | 2.5007% | 4,274 |
| Noninterest income to average assets | 0.2315% | 4,016 |
| Noninterest expense to average assets | 2.5126% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1191% | 4,685 |
| Return on assets (ROA) | 0.2481% | 4,603 |
| Pretax return on assets | 0.2721% | 4,613 |
| Return on Equity (ROE) | 1.3513% | 4,661 |
| Retained earnings to average equity (ytd only) | 1.3513% | 4,339 |
| Net charge-offs to loans | -0.0118% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0690% | 212 |
| Assets per employee ($millions) | 6.6405% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5214% | 4,689 |
| Loan loss allowance to noncurrent loans | 237.3984% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 3,476 |
| Noncurrent loans to loans | 0.2196% | 3,070 |
| Net loans and leases to total assets | 41.9479% | 4,098 |
| Net loans and leases to deposits | 51.2733% | 3,934 |
| Net loans and leases to core deposits | 52.1585% | 4,026 |
| Total domestic deposits to total assets | 81.8124% | 3,959 |
| Equity capital to assets | 17.8134% | 284 |
| Core capital (leverage) ratio | 17.3205% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7511% | 113 |
| Memoranda: | ||
| Average total assets | $127,884,750 | 3,739 |
| Average earning assets | $123,321,500 | 3,682 |
| Average equity | $23,482,250 | 2,979 |
| Average total loans | $56,681,000 | 3,933 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 4,289 |
| Cost of funding earning assets | 0.3057% | 2,730 |
| Net interest margin | 2.5429% | 4,256 |
| Noninterest income to average assets | 0.2123% | 4,133 |
| Noninterest expense to average assets | 2.5237% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1272% | 4,685 |
| Return on assets (ROA) | 0.2598% | 4,590 |
| Pretax return on assets | 0.2852% | 4,599 |
| Return on Equity (ROE) | 1.4003% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.4003% | 4,260 |
| Net charge-offs to loans | -0.0141% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7650% | 241 |
| Assets per employee ($millions) | 6.2191% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5187% | 4,726 |
| Loan loss allowance to noncurrent loans | 354.8780% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,808 |
| Noncurrent loans to loans | 0.1462% | 3,472 |
| Net loans and leases to total assets | 42.7340% | 4,128 |
| Net loans and leases to deposits | 52.1618% | 3,984 |
| Net loans and leases to core deposits | 53.2329% | 4,061 |
| Total domestic deposits to total assets | 81.9259% | 3,941 |
| Equity capital to assets | 17.8712% | 276 |
| Core capital (leverage) ratio | 17.5854% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0644% | 121 |
| Memoranda: | ||
| Average total assets | $126,243,000 | 3,779 |
| Average earning assets | $121,672,000 | 3,714 |
| Average equity | $23,423,667 | 2,976 |
| Average total loans | $56,907,000 | 3,955 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9026% | 4,252 |
| Cost of funding earning assets | 0.3214% | 2,783 |
| Net interest margin | 2.5812% | 4,182 |
| Noninterest income to average assets | 0.2192% | 4,075 |
| Noninterest expense to average assets | 2.5503% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1360% | 4,681 |
| Return on assets (ROA) | 0.3772% | 4,428 |
| Pretax return on assets | 0.4320% | 4,449 |
| Return on Equity (ROE) | 1.9944% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.9944% | 4,005 |
| Net charge-offs to loans | -0.0140% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2789% | 279 |
| Assets per employee ($millions) | 6.3273% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5089% | 4,768 |
| Loan loss allowance to noncurrent loans | 352.4390% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,914 |
| Noncurrent loans to loans | 0.1444% | 3,598 |
| Net loans and leases to total assets | 44.6494% | 4,073 |
| Net loans and leases to deposits | 54.8042% | 3,887 |
| Net loans and leases to core deposits | 55.8315% | 3,985 |
| Total domestic deposits to total assets | 81.4708% | 3,991 |
| Equity capital to assets | 18.3127% | 244 |
| Core capital (leverage) ratio | 18.3982% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8155% | 114 |
| Memoranda: | ||
| Average total assets | $124,064,000 | 3,813 |
| Average earning assets | $119,478,500 | 3,750 |
| Average equity | $23,465,500 | 2,963 |
| Average total loans | $57,309,500 | 3,961 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2860% | 4,351 |
| Cost of funding earning assets | 0.4540% | 3,258 |
| Net interest margin | 2.8320% | 4,207 |
| Noninterest income to average assets | 0.3192% | 3,548 |
| Noninterest expense to average assets | 2.8787% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1777% | 4,603 |
| Return on assets (ROA) | 0.2299% | 4,596 |
| Pretax return on assets | 0.2060% | 4,645 |
| Return on Equity (ROE) | 1.1262% | 4,666 |
| Retained earnings to average equity (ytd only) | 1.1262% | 4,177 |
| Net charge-offs to loans | -0.0180% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9271% | 255 |
| Assets per employee ($millions) | 6.0750% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4963% | 4,793 |
| Loan loss allowance to noncurrent loans | 225.9843% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 3,777 |
| Noncurrent loans to loans | 0.2196% | 3,415 |
| Net loans and leases to total assets | 47.3592% | 4,018 |
| Net loans and leases to deposits | 59.0091% | 3,824 |
| Net loans and leases to core deposits | 60.1799% | 3,935 |
| Total domestic deposits to total assets | 80.2575% | 4,007 |
| Equity capital to assets | 19.4849% | 217 |
| Core capital (leverage) ratio | 18.9304% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9950% | 117 |
| Memoranda: | ||
| Average total assets | $113,106,000 | 3,840 |
| Average earning assets | $108,368,600 | 3,791 |
| Average equity | $23,086,000 | 2,934 |
| Average total loans | $55,583,800 | 3,986 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 4,394 |
| Cost of funding earning assets | 0.4846% | 3,326 |
| Net interest margin | 2.8813% | 4,209 |
| Noninterest income to average assets | 0.2630% | 3,892 |
| Noninterest expense to average assets | 2.9523% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1177% | 4,685 |
| Return on assets (ROA) | 0.1682% | 4,670 |
| Pretax return on assets | 0.1177% | 4,714 |
| Return on Equity (ROE) | 0.8137% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.8137% | 4,308 |
| Net charge-offs to loans | -0.0194% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7725% | 196 |
| Assets per employee ($millions) | 5.5504% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5016% | 4,812 |
| Loan loss allowance to noncurrent loans | 191.2752% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 3,786 |
| Noncurrent loans to loans | 0.2623% | 3,357 |
| Net loans and leases to total assets | 48.4995% | 4,192 |
| Net loans and leases to deposits | 60.9429% | 3,998 |
| Net loans and leases to core deposits | 61.8700% | 4,120 |
| Total domestic deposits to total assets | 79.5818% | 3,946 |
| Equity capital to assets | 20.1839% | 204 |
| Core capital (leverage) ratio | 19.5558% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6206% | 106 |
| Memoranda: | ||
| Average total assets | $111,007,750 | 3,867 |
| Average earning assets | $106,199,250 | 3,817 |
| Average equity | $22,939,000 | 2,941 |
| Average total loans | $55,022,750 | 4,022 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 4,478 |
| Cost of funding earning assets | 0.5202% | 3,416 |
| Net interest margin | 2.9313% | 4,259 |
| Noninterest income to average assets | 0.1796% | 4,384 |
| Noninterest expense to average assets | 3.0085% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0128% | 4,771 |
| Return on assets (ROA) | 0.0861% | 4,729 |
| Pretax return on assets | 0.0421% | 4,762 |
| Return on Equity (ROE) | 0.4133% | 4,757 |
| Retained earnings to average equity (ytd only) | 0.4133% | 4,227 |
| Net charge-offs to loans | -0.0220% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0462% | 170 |
| Assets per employee ($millions) | 5.4094% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 4,846 |
| Loan loss allowance to noncurrent loans | 331.7647% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,150 |
| Noncurrent loans to loans | 0.1478% | 3,861 |
| Net loans and leases to total assets | 50.3785% | 4,144 |
| Net loans and leases to deposits | 63.5398% | 3,916 |
| Net loans and leases to core deposits | 64.3066% | 4,058 |
| Total domestic deposits to total assets | 79.2866% | 3,976 |
| Equity capital to assets | 20.5277% | 190 |
| Core capital (leverage) ratio | 20.2331% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9560% | 105 |
| Memoranda: | ||
| Average total assets | $109,157,667 | 3,878 |
| Average earning assets | $104,186,000 | 3,839 |
| Average equity | $22,743,333 | 2,947 |
| Average total loans | $54,425,333 | 4,046 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5494% | 4,585 |
| Cost of funding earning assets | 0.5575% | 3,649 |
| Net interest margin | 2.9918% | 4,291 |
| Noninterest income to average assets | 0.1384% | 4,671 |
| Noninterest expense to average assets | 3.1420% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0648% | 4,783 |
| Return on assets (ROA) | -0.0411% | 4,761 |
| Pretax return on assets | -0.1234% | 4,783 |
| Return on Equity (ROE) | -0.1959% | 4,757 |
| Retained earnings to average equity (ytd only) | -0.1959% | 4,025 |
| Net charge-offs to loans | -0.0076% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1314% | 184 |
| Assets per employee ($millions) | 4.6279% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5230% | 4,853 |
| Loan loss allowance to noncurrent loans | 1,457.8947% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,540 |
| Noncurrent loans to loans | 0.0359% | 4,417 |
| Net loans and leases to total assets | 49.5007% | 4,265 |
| Net loans and leases to deposits | 62.6370% | 4,068 |
| Net loans and leases to core deposits | 63.6810% | 4,188 |
| Total domestic deposits to total assets | 79.0278% | 4,048 |
| Equity capital to assets | 20.8256% | 210 |
| Core capital (leverage) ratio | 20.9657% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.1946% | 92 |
| Memoranda: | ||
| Average total assets | $106,937,500 | 3,887 |
| Average earning assets | $101,877,500 | 3,853 |
| Average equity | $22,455,500 | 2,964 |
| Average total loans | $52,882,500 | 4,094 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 4,724 |
| Cost of funding earning assets | 0.5259% | 3,987 |
| Net interest margin | 3.1294% | 4,325 |
| Noninterest income to average assets | 0.1594% | 4,693 |
| Noninterest expense to average assets | 3.0473% | 1,887 |
| Loan and lease loss provision to assets | 0.0132% | 3,751 |
| Net operating income to assets | 0.1311% | 4,907 |
| Return on assets (ROA) | 0.1670% | 4,894 |
| Pretax return on assets | 0.1160% | 4,936 |
| Return on Equity (ROE) | 0.7894% | 4,941 |
| Retained earnings to average equity (ytd only) | 0.7894% | 4,464 |
| Net charge-offs to loans | -0.0019% | 4,222 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0261% | 193 |
| Assets per employee ($millions) | 4.6702% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 4,862 |
| Loan loss allowance to noncurrent loans | 364.4737% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,275 |
| Noncurrent loans to loans | 0.1439% | 3,950 |
| Net loans and leases to total assets | 48.8963% | 4,376 |
| Net loans and leases to deposits | 62.2402% | 4,181 |
| Net loans and leases to core deposits | 63.0789% | 4,318 |
| Total domestic deposits to total assets | 78.5607% | 4,266 |
| Equity capital to assets | 21.2140% | 202 |
| Core capital (leverage) ratio | 20.9573% | 199 |
| Tier 1 risk-based capital ratio | 47.7342% | 151 |
| Total risk-based capital ratio | 48.3219% | 157 |
| Memoranda: | ||
| Average total assets | $105,996,000 | 3,895 |
| Average earning assets | $100,977,000 | 3,851 |
| Average equity | $22,421,000 | 2,928 |
| Average total loans | $51,375,400 | 4,152 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 4,860 |
| Cost of funding earning assets | 0.5116% | 4,094 |
| Net interest margin | 3.1150% | 4,454 |
| Noninterest income to average assets | 0.1540% | 4,778 |
| Noninterest expense to average assets | 3.0505% | 1,829 |
| Loan and lease loss provision to assets | 0.0177% | 3,558 |
| Net operating income to assets | 0.1098% | 5,013 |
| Return on assets (ROA) | 0.1502% | 5,003 |
| Pretax return on assets | 0.0921% | 5,041 |
| Return on Equity (ROE) | 0.7105% | 5,035 |
| Retained earnings to average equity (ytd only) | 0.7105% | 4,623 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7751% | 173 |
| Assets per employee ($millions) | 5.3446% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5441% | 4,907 |
| Loan loss allowance to noncurrent loans | 176.9231% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,013 |
| Noncurrent loans to loans | 0.3076% | 3,425 |
| Net loans and leases to total assets | 47.1939% | 4,537 |
| Net loans and leases to deposits | 60.1127% | 4,380 |
| Net loans and leases to core deposits | 60.7037% | 4,509 |
| Total domestic deposits to total assets | 78.5089% | 4,260 |
| Equity capital to assets | 21.2834% | 207 |
| Core capital (leverage) ratio | 21.0569% | 202 |
| Tier 1 risk-based capital ratio | 49.1158% | 139 |
| Total risk-based capital ratio | 49.7199% | 145 |
| Memoranda: | ||
| Average total assets | $105,641,250 | 3,946 |
| Average earning assets | $100,587,500 | 3,899 |
| Average equity | $22,329,500 | 2,951 |
| Average total loans | $51,019,500 | 4,211 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 4,880 |
| Cost of funding earning assets | 0.4933% | 4,145 |
| Net interest margin | 3.1577% | 4,443 |
| Noninterest income to average assets | 0.1559% | 4,798 |
| Noninterest expense to average assets | 3.0639% | 1,824 |
| Loan and lease loss provision to assets | 0.0171% | 3,449 |
| Net operating income to assets | 0.1273% | 5,042 |
| Return on assets (ROA) | 0.2072% | 4,997 |
| Pretax return on assets | 0.1597% | 5,043 |
| Return on Equity (ROE) | 0.9825% | 5,051 |
| Retained earnings to average equity (ytd only) | 0.9825% | 4,440 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9333% | 191 |
| Assets per employee ($millions) | 5.0573% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 4,976 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 3,985 |
| Noncurrent loans to loans | 0.3254% | 3,367 |
| Net loans and leases to total assets | 47.4892% | 4,589 |
| Net loans and leases to deposits | 60.5288% | 4,407 |
| Net loans and leases to core deposits | 60.7782% | 4,549 |
| Total domestic deposits to total assets | 78.4573% | 4,320 |
| Equity capital to assets | 21.3252% | 195 |
| Core capital (leverage) ratio | 21.1438% | 187 |
| Tier 1 risk-based capital ratio | 49.1014% | 144 |
| Total risk-based capital ratio | 49.6924% | 147 |
| Memoranda: | ||
| Average total assets | $105,224,670 | 3,973 |
| Average earning assets | $100,137,670 | 3,929 |
| Average equity | $22,189,330 | 2,958 |
| Average total loans | $51,118,670 | 4,237 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 4,851 |
| Cost of funding earning assets | 0.4780% | 4,167 |
| Net interest margin | 3.2218% | 4,340 |
| Noninterest income to average assets | 0.1375% | 4,911 |
| Noninterest expense to average assets | 3.0744% | 1,795 |
| Loan and lease loss provision to assets | 0.0191% | 3,198 |
| Net operating income to assets | 0.1719% | 5,031 |
| Return on assets (ROA) | 0.1719% | 5,040 |
| Pretax return on assets | 0.1069% | 5,098 |
| Return on Equity (ROE) | 0.8197% | 5,092 |
| Retained earnings to average equity (ytd only) | 0.8197% | 4,361 |
| Net charge-offs to loans | -0.0156% | 4,393 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0621% | 225 |
| Assets per employee ($millions) | 5.7805% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5208% | 5,056 |
| Loan loss allowance to noncurrent loans | 165.0307% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 4,023 |
| Noncurrent loans to loans | 0.3156% | 3,434 |
| Net loans and leases to total assets | 49.3796% | 4,507 |
| Net loans and leases to deposits | 62.9290% | 4,247 |
| Net loans and leases to core deposits | 63.1937% | 4,420 |
| Total domestic deposits to total assets | 78.4688% | 4,441 |
| Equity capital to assets | 21.3169% | 188 |
| Core capital (leverage) ratio | 21.4574% | 184 |
| Tier 1 risk-based capital ratio | 47.4551% | 150 |
| Total risk-based capital ratio | 48.0258% | 155 |
| Memoranda: | ||
| Average total assets | $104,735,500 | 4,026 |
| Average earning assets | $99,572,000 | 3,976 |
| Average equity | $21,960,000 | 2,977 |
| Average total loans | $51,325,500 | 4,278 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 4,968 |
| Cost of funding earning assets | 0.3522% | 4,273 |
| Net interest margin | 3.0937% | 4,661 |
| Noninterest income to average assets | 0.1725% | 4,866 |
| Noninterest expense to average assets | 2.9220% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2811% | 5,033 |
| Return on assets (ROA) | 0.2831% | 5,027 |
| Pretax return on assets | 0.1906% | 5,121 |
| Return on Equity (ROE) | 1.3712% | 5,123 |
| Retained earnings to average equity (ytd only) | 1.3712% | 4,585 |
| Net charge-offs to loans | -0.0160% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9338% | 243 |
| Assets per employee ($millions) | 5.0211% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5137% | 5,106 |
| Loan loss allowance to noncurrent loans | 233.9286% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,296 |
| Noncurrent loans to loans | 0.2196% | 3,792 |
| Net loans and leases to total assets | 48.1198% | 4,628 |
| Net loans and leases to deposits | 60.8418% | 4,439 |
| Net loans and leases to core deposits | 61.0916% | 4,582 |
| Total domestic deposits to total assets | 79.0901% | 4,296 |
| Equity capital to assets | 20.6434% | 207 |
| Core capital (leverage) ratio | 21.3685% | 183 |
| Tier 1 risk-based capital ratio | 49.0810% | 139 |
| Total risk-based capital ratio | 49.6563% | 144 |
| Memoranda: | ||
| Average total assets | $104,927,600 | 4,018 |
| Average earning assets | $99,653,400 | 3,981 |
| Average equity | $21,660,200 | 2,924 |
| Average total loans | $49,868,600 | 4,321 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,023 |
| Cost of funding earning assets | 0.3243% | 4,354 |
| Net interest margin | 3.0863% | 4,727 |
| Noninterest income to average assets | 0.1667% | 4,954 |
| Noninterest expense to average assets | 2.9669% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2417% | 5,164 |
| Return on assets (ROA) | 0.2417% | 5,156 |
| Pretax return on assets | 0.1298% | 5,238 |
| Return on Equity (ROE) | 1.1710% | 5,213 |
| Retained earnings to average equity (ytd only) | 1.1710% | 4,809 |
| Net charge-offs to loans | -0.0161% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8094% | 203 |
| Assets per employee ($millions) | 5.2403% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 5,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 47.5321% | 4,735 |
| Net loans and leases to deposits | 59.9485% | 4,552 |
| Net loans and leases to core deposits | 60.1955% | 4,694 |
| Total domestic deposits to total assets | 79.2882% | 4,260 |
| Equity capital to assets | 20.4370% | 218 |
| Core capital (leverage) ratio | 21.4975% | 178 |
| Tier 1 risk-based capital ratio | 49.2548% | 139 |
| Total risk-based capital ratio | 49.8306% | 144 |
| Memoranda: | ||
| Average total assets | $104,798,750 | 4,056 |
| Average earning assets | $99,490,000 | 4,023 |
| Average equity | $21,633,500 | 2,941 |
| Average total loans | $49,585,500 | 4,372 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,038 |
| Cost of funding earning assets | 0.3034% | 4,389 |
| Net interest margin | 3.0987% | 4,729 |
| Noninterest income to average assets | 0.1622% | 5,014 |
| Noninterest expense to average assets | 2.9409% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2653% | 5,167 |
| Return on assets (ROA) | 0.2634% | 5,163 |
| Pretax return on assets | 0.1622% | 5,262 |
| Return on Equity (ROE) | 1.2716% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.2716% | 4,698 |
| Net charge-offs to loans | -0.0162% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7142% | 242 |
| Assets per employee ($millions) | 4.9037% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5219% | 5,229 |
| Loan loss allowance to noncurrent loans | 614.2857% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,824 |
| Noncurrent loans to loans | 0.0850% | 4,528 |
| Net loans and leases to total assets | 47.7539% | 4,734 |
| Net loans and leases to deposits | 60.5556% | 4,501 |
| Net loans and leases to core deposits | 60.8110% | 4,665 |
| Total domestic deposits to total assets | 78.8596% | 4,451 |
| Equity capital to assets | 20.9045% | 191 |
| Core capital (leverage) ratio | 21.3906% | 181 |
| Tier 1 risk-based capital ratio | 50.1957% | 133 |
| Total risk-based capital ratio | 50.7793% | 137 |
| Memoranda: | ||
| Average total assets | $104,796,670 | 4,095 |
| Average earning assets | $99,527,000 | 4,058 |
| Average equity | $21,705,000 | 2,948 |
| Average total loans | $49,422,000 | 4,415 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 5,057 |
| Cost of funding earning assets | 0.3106% | 4,258 |
| Net interest margin | 3.0579% | 4,781 |
| Noninterest income to average assets | 0.1551% | 5,086 |
| Noninterest expense to average assets | 2.8948% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2573% | 5,161 |
| Return on assets (ROA) | 0.2573% | 5,164 |
| Pretax return on assets | 0.1665% | 5,291 |
| Return on Equity (ROE) | 1.2480% | 5,285 |
| Retained earnings to average equity (ytd only) | 1.2480% | 4,564 |
| Net charge-offs to loans | -0.0162% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5612% | 282 |
| Assets per employee ($millions) | 4.5577% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 5,303 |
| Loan loss allowance to noncurrent loans | 139.8907% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 4,213 |
| Noncurrent loans to loans | 0.3721% | 3,449 |
| Net loans and leases to total assets | 46.6726% | 4,764 |
| Net loans and leases to deposits | 58.9678% | 4,539 |
| Net loans and leases to core deposits | 59.2112% | 4,689 |
| Total domestic deposits to total assets | 79.1493% | 4,556 |
| Equity capital to assets | 20.6256% | 194 |
| Core capital (leverage) ratio | 21.1977% | 177 |
| Tier 1 risk-based capital ratio | 45.0858% | 171 |
| Total risk-based capital ratio | 45.6076% | 178 |
| Memoranda: | ||
| Average total assets | $105,706,000 | 4,126 |
| Average earning assets | $100,461,000 | 4,089 |
| Average equity | $21,794,000 | 2,971 |
| Average total loans | $49,416,000 | 4,456 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3368% | 5,037 |
| Cost of funding earning assets | 0.3039% | 4,101 |
| Net interest margin | 3.0329% | 4,818 |
| Noninterest income to average assets | 0.2880% | 4,403 |
| Noninterest expense to average assets | 3.0386% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1800% | 5,145 |
| Return on assets (ROA) | 0.2103% | 5,108 |
| Pretax return on assets | 0.0976% | 5,378 |
| Return on Equity (ROE) | 1.0117% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.0117% | 4,626 |
| Net charge-offs to loans | -0.0223% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8340% | 211 |
| Assets per employee ($millions) | 4.6367% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5116% | 5,372 |
| Loan loss allowance to noncurrent loans | 144.3182% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,317 |
| Noncurrent loans to loans | 0.3545% | 3,494 |
| Net loans and leases to total assets | 46.3195% | 4,872 |
| Net loans and leases to deposits | 58.6224% | 4,660 |
| Net loans and leases to core deposits | 58.7976% | 4,812 |
| Total domestic deposits to total assets | 79.0134% | 4,539 |
| Equity capital to assets | 20.6725% | 188 |
| Core capital (leverage) ratio | 20.7771% | 179 |
| Tier 1 risk-based capital ratio | 47.7409% | 133 |
| Total risk-based capital ratio | 48.2903% | 137 |
| Memoranda: | ||
| Average total assets | $105,541,400 | 4,147 |
| Average earning assets | $98,059,400 | 4,129 |
| Average equity | $21,943,000 | 2,959 |
| Average total loans | $49,337,400 | 4,477 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 5,032 |
| Cost of funding earning assets | 0.3018% | 4,108 |
| Net interest margin | 3.0549% | 4,803 |
| Noninterest income to average assets | 0.3015% | 4,371 |
| Noninterest expense to average assets | 3.3109% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0259% | 5,496 |
| Return on assets (ROA) | 0.0405% | 5,494 |
| Pretax return on assets | -0.1659% | 5,568 |
| Return on Equity (ROE) | 0.1947% | 5,505 |
| Retained earnings to average equity (ytd only) | 0.1947% | 5,176 |
| Net charge-offs to loans | -0.0217% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0446% | 116 |
| Assets per employee ($millions) | 4.8364% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4989% | 5,471 |
| Loan loss allowance to noncurrent loans | 124.2574% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,816 |
| Noncurrent loans to loans | 0.4015% | 3,505 |
| Net loans and leases to total assets | 47.0489% | 4,881 |
| Net loans and leases to deposits | 59.9019% | 4,646 |
| Net loans and leases to core deposits | 60.0845% | 4,814 |
| Total domestic deposits to total assets | 78.5432% | 4,622 |
| Equity capital to assets | 20.7585% | 197 |
| Core capital (leverage) ratio | 20.8952% | 179 |
| Tier 1 risk-based capital ratio | 48.7437% | 132 |
| Total risk-based capital ratio | 49.3013% | 135 |
| Memoranda: | ||
| Average total assets | $105,265,750 | 4,193 |
| Average earning assets | $97,197,250 | 4,188 |
| Average equity | $21,917,250 | 2,985 |
| Average total loans | $49,259,000 | 4,522 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 5,008 |
| Cost of funding earning assets | 0.2982% | 4,098 |
| Net interest margin | 3.0678% | 4,751 |
| Noninterest income to average assets | 0.3432% | 4,092 |
| Noninterest expense to average assets | 3.3979% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0143% | 5,555 |
| Return on assets (ROA) | 0.0076% | 5,551 |
| Pretax return on assets | -0.2155% | 5,612 |
| Return on Equity (ROE) | 0.0366% | 5,551 |
| Retained earnings to average equity (ytd only) | 0.0366% | 5,062 |
| Net charge-offs to loans | -0.0245% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9346% | 116 |
| Assets per employee ($millions) | 4.4048% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4944% | 5,525 |
| Loan loss allowance to noncurrent loans | 80.5825% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 3,964 |
| Noncurrent loans to loans | 0.6135% | 2,886 |
| Net loans and leases to total assets | 47.4063% | 4,859 |
| Net loans and leases to deposits | 60.4550% | 4,594 |
| Net loans and leases to core deposits | 60.6430% | 4,788 |
| Total domestic deposits to total assets | 78.4158% | 4,746 |
| Equity capital to assets | 20.9060% | 190 |
| Core capital (leverage) ratio | 20.7278% | 183 |
| Tier 1 risk-based capital ratio | 49.3081% | 125 |
| Total risk-based capital ratio | 49.8684% | 129 |
| Memoranda: | ||
| Average total assets | $104,887,670 | 4,229 |
| Average earning assets | $95,900,330 | 4,237 |
| Average equity | $21,860,670 | 2,988 |
| Average total loans | $48,908,330 | 4,555 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 4,985 |
| Cost of funding earning assets | 0.2951% | 4,099 |
| Net interest margin | 3.0795% | 4,710 |
| Noninterest income to average assets | 0.3331% | 4,170 |
| Noninterest expense to average assets | 3.4382% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1054% | 5,652 |
| Return on assets (ROA) | -0.0613% | 5,639 |
| Pretax return on assets | -0.2795% | 5,683 |
| Return on Equity (ROE) | -0.2944% | 5,629 |
| Retained earnings to average equity (ytd only) | -0.2944% | 4,965 |
| Net charge-offs to loans | -0.0166% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2763% | 113 |
| Assets per employee ($millions) | 4.2311% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 5,593 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 4,172 |
| Noncurrent loans to loans | 0.5703% | 3,096 |
| Net loans and leases to total assets | 45.3544% | 4,971 |
| Net loans and leases to deposits | 57.5613% | 4,731 |
| Net loans and leases to core deposits | 57.7421% | 4,891 |
| Total domestic deposits to total assets | 78.7933% | 4,865 |
| Equity capital to assets | 20.5648% | 194 |
| Core capital (leverage) ratio | 21.0426% | 162 |
| Tier 1 risk-based capital ratio | 50.1869% | 129 |
| Total risk-based capital ratio | 50.7486% | 131 |
| Memoranda: | ||
| Average total assets | $104,473,500 | 4,277 |
| Average earning assets | $93,522,500 | 4,321 |
| Average equity | $21,740,500 | 3,007 |
| Average total loans | $48,180,000 | 4,617 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 4,919 |
| Cost of funding earning assets | 0.2961% | 4,107 |
| Net interest margin | 3.1361% | 4,624 |
| Noninterest income to average assets | 0.3625% | 4,151 |
| Noninterest expense to average assets | 3.1219% | 1,972 |
| Loan and lease loss provision to assets | 0.0242% | 3,874 |
| Net operating income to assets | 0.1599% | 5,476 |
| Return on assets (ROA) | 0.2743% | 5,346 |
| Pretax return on assets | 0.1745% | 5,518 |
| Return on Equity (ROE) | 1.2919% | 5,520 |
| Retained earnings to average equity (ytd only) | 1.2919% | 4,768 |
| Net charge-offs to loans | 0.0152% | 3,787 |
| Credit loss provision to net charge-offs | 357.1429% | 858 |
| Earnings coverage of net charge-offs (x) | 12.4286% | 2,453 |
| Efficiency ratio | 97.3700% | 272 |
| Assets per employee ($millions) | 4.1311% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5048% | 5,653 |
| Loan loss allowance to noncurrent loans | 235.9223% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,923 |
| Noncurrent loans to loans | 0.2140% | 4,386 |
| Net loans and leases to total assets | 46.3768% | 4,994 |
| Net loans and leases to deposits | 59.2697% | 4,721 |
| Net loans and leases to core deposits | 59.4639% | 4,888 |
| Total domestic deposits to total assets | 78.2471% | 4,941 |
| Equity capital to assets | 20.8321% | 183 |
| Core capital (leverage) ratio | 21.0416% | 166 |
| Tier 1 risk-based capital ratio | 51.8849% | 125 |
| Total risk-based capital ratio | 52.4624% | 126 |
| Memoranda: | ||
| Average total assets | $103,175,200 | 4,305 |
| Average earning assets | $93,554,600 | 4,315 |
| Average equity | $21,906,000 | 2,991 |
| Average total loans | $46,074,000 | 4,687 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 4,929 |
| Cost of funding earning assets | 0.2955% | 4,150 |
| Net interest margin | 3.1509% | 4,631 |
| Noninterest income to average assets | 0.3917% | 3,983 |
| Noninterest expense to average assets | 3.1216% | 1,971 |
| Loan and lease loss provision to assets | 0.0323% | 3,588 |
| Net operating income to assets | 0.1706% | 5,518 |
| Return on assets (ROA) | 0.2908% | 5,389 |
| Pretax return on assets | 0.2107% | 5,552 |
| Return on Equity (ROE) | 1.3634% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.3634% | 4,962 |
| Net charge-offs to loans | 0.0263% | 3,143 |
| Credit loss provision to net charge-offs | 277.7778% | 1,101 |
| Earnings coverage of net charge-offs (x) | 10.5550% | 2,558 |
| Efficiency ratio | 96.2151% | 309 |
| Assets per employee ($millions) | 4.2884% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5380% | 5,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 5,179 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 43.2934% | 5,236 |
| Net loans and leases to deposits | 55.9177% | 5,002 |
| Net loans and leases to core deposits | 56.1064% | 5,144 |
| Total domestic deposits to total assets | 77.4235% | 5,010 |
| Equity capital to assets | 21.4971% | 184 |
| Core capital (leverage) ratio | 21.2431% | 160 |
| Tier 1 risk-based capital ratio | 56.8522% | 99 |
| Total risk-based capital ratio | 57.4792% | 101 |
| Memoranda: | ||
| Average total assets | $103,149,500 | 4,334 |
| Average earning assets | $93,388,750 | 4,355 |
| Average equity | $22,003,750 | 3,005 |
| Average total loans | $45,557,500 | 4,742 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4672% | 4,947 |
| Cost of funding earning assets | 0.2973% | 4,163 |
| Net interest margin | 3.1699% | 4,641 |
| Noninterest income to average assets | 0.3352% | 4,387 |
| Noninterest expense to average assets | 3.0303% | 2,253 |
| Loan and lease loss provision to assets | 0.0484% | 3,181 |
| Net operating income to assets | 0.2151% | 5,495 |
| Return on assets (ROA) | 0.2558% | 5,488 |
| Pretax return on assets | 0.1686% | 5,653 |
| Return on Equity (ROE) | 1.2020% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.2020% | 4,899 |
| Net charge-offs to loans | 0.0480% | 2,524 |
| Credit loss provision to net charge-offs | 227.2727% | 1,189 |
| Earnings coverage of net charge-offs (x) | 8.2727% | 2,534 |
| Efficiency ratio | 94.5015% | 395 |
| Assets per employee ($millions) | 4.6773% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5207% | 5,777 |
| Loan loss allowance to noncurrent loans | 356.7164% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,296 |
| Noncurrent loans to loans | 0.1460% | 4,848 |
| Net loans and leases to total assets | 44.3741% | 5,208 |
| Net loans and leases to deposits | 57.3386% | 4,937 |
| Net loans and leases to core deposits | 57.5344% | 5,094 |
| Total domestic deposits to total assets | 77.3897% | 5,100 |
| Equity capital to assets | 21.5316% | 168 |
| Core capital (leverage) ratio | 20.9878% | 161 |
| Tier 1 risk-based capital ratio | 53.8995% | 112 |
| Total risk-based capital ratio | 54.4916% | 113 |
| Memoranda: | ||
| Average total assets | $103,225,670 | 4,362 |
| Average earning assets | $93,504,330 | 4,395 |
| Average equity | $21,963,330 | 3,018 |
| Average total loans | $45,810,330 | 4,777 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 4,912 |
| Cost of funding earning assets | 0.2955% | 4,209 |
| Net interest margin | 3.1950% | 4,598 |
| Noninterest income to average assets | 0.2167% | 5,188 |
| Noninterest expense to average assets | 2.9597% | 2,516 |
| Loan and lease loss provision to assets | 0.0580% | 2,790 |
| Net operating income to assets | 0.1509% | 5,612 |
| Return on assets (ROA) | 0.2089% | 5,577 |
| Pretax return on assets | 0.1431% | 5,698 |
| Return on Equity (ROE) | 0.9878% | 5,695 |
| Retained earnings to average equity (ytd only) | 0.9878% | 4,842 |
| Net charge-offs to loans | 0.1224% | 1,375 |
| Credit loss provision to net charge-offs | 107.1429% | 1,539 |
| Earnings coverage of net charge-offs (x) | 2.6429% | 2,653 |
| Efficiency ratio | 95.3865% | 412 |
| Assets per employee ($millions) | 4.6776% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4983% | 5,866 |
| Loan loss allowance to noncurrent loans | 293.5065% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 4,786 |
| Noncurrent loans to loans | 0.1698% | 4,807 |
| Net loans and leases to total assets | 43.8493% | 5,249 |
| Net loans and leases to deposits | 56.5159% | 4,950 |
| Net loans and leases to core deposits | 56.7105% | 5,102 |
| Total domestic deposits to total assets | 77.5875% | 5,204 |
| Equity capital to assets | 21.3173% | 170 |
| Core capital (leverage) ratio | 21.0815% | 163 |
| Tier 1 risk-based capital ratio | 50.6225% | 127 |
| Total risk-based capital ratio | 51.1504% | 133 |
| Memoranda: | ||
| Average total assets | $103,388,500 | 4,401 |
| Average earning assets | $93,395,500 | 4,439 |
| Average equity | $21,867,000 | 3,037 |
| Average total loans | $45,765,500 | 4,813 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 4,660 |
| Cost of funding earning assets | 0.3090% | 4,153 |
| Net interest margin | 3.2965% | 4,303 |
| Noninterest income to average assets | 0.1758% | 5,532 |
| Noninterest expense to average assets | 2.7656% | 3,368 |
| Loan and lease loss provision to assets | 0.0272% | 3,836 |
| Net operating income to assets | 0.4040% | 5,044 |
| Return on assets (ROA) | 0.4049% | 5,121 |
| Pretax return on assets | 0.3777% | 5,363 |
| Return on Equity (ROE) | 1.9256% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.9256% | 4,633 |
| Net charge-offs to loans | 0.1596% | 1,780 |
| Credit loss provision to net charge-offs | 37.3333% | 3,563 |
| Earnings coverage of net charge-offs (x) | 5.5467% | 3,370 |
| Efficiency ratio | 87.2549% | 887 |
| Assets per employee ($millions) | 4.9444% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4872% | 5,930 |
| Loan loss allowance to noncurrent loans | 94.5378% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 4,197 |
| Noncurrent loans to loans | 0.5154% | 3,633 |
| Net loans and leases to total assets | 44.2600% | 5,266 |
| Net loans and leases to deposits | 56.7575% | 4,996 |
| Net loans and leases to core deposits | 56.9524% | 5,156 |
| Total domestic deposits to total assets | 77.9808% | 5,171 |
| Equity capital to assets | 21.0667% | 179 |
| Core capital (leverage) ratio | 20.8980% | 163 |
| Tier 1 risk-based capital ratio | 52.1602% | 113 |
| Total risk-based capital ratio | 52.7012% | 118 |
| Memoranda: | ||
| Average total assets | $102,979,800 | 4,406 |
| Average earning assets | $93,524,200 | 4,441 |
| Average equity | $21,655,400 | 3,010 |
| Average total loans | $46,995,600 | 4,756 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6293% | 4,644 |
| Cost of funding earning assets | 0.3108% | 4,220 |
| Net interest margin | 3.3185% | 4,270 |
| Noninterest income to average assets | 0.1855% | 5,551 |
| Noninterest expense to average assets | 2.7907% | 3,226 |
| Loan and lease loss provision to assets | 0.0195% | 3,886 |
| Net operating income to assets | 0.3996% | 5,169 |
| Return on assets (ROA) | 0.4009% | 5,253 |
| Pretax return on assets | 0.3827% | 5,497 |
| Return on Equity (ROE) | 1.9073% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.9073% | 4,932 |
| Net charge-offs to loans | 0.0876% | 2,293 |
| Credit loss provision to net charge-offs | 48.3871% | 3,058 |
| Earnings coverage of net charge-offs (x) | 9.9683% | 2,642 |
| Efficiency ratio | 87.4390% | 898 |
| Assets per employee ($millions) | 5.1316% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 5,955 |
| Loan loss allowance to noncurrent loans | 109.8712% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 4,066 |
| Noncurrent loans to loans | 0.5052% | 3,832 |
| Net loans and leases to total assets | 44.6878% | 5,311 |
| Net loans and leases to deposits | 57.3436% | 5,047 |
| Net loans and leases to core deposits | 57.5451% | 5,216 |
| Total domestic deposits to total assets | 77.9299% | 5,197 |
| Equity capital to assets | 21.1445% | 191 |
| Core capital (leverage) ratio | 21.0083% | 171 |
| Tier 1 risk-based capital ratio | 50.9885% | 131 |
| Total risk-based capital ratio | 51.5932% | 128 |
| Memoranda: | ||
| Average total assets | $102,766,750 | 4,452 |
| Average earning assets | $93,090,750 | 4,497 |
| Average equity | $21,600,750 | 3,030 |
| Average total loans | $47,199,250 | 4,804 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,557 |
| Cost of funding earning assets | 0.3123% | 4,252 |
| Net interest margin | 3.3428% | 4,133 |
| Noninterest income to average assets | 0.1712% | 5,675 |
| Noninterest expense to average assets | 2.7915% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4105% | 5,108 |
| Return on assets (ROA) | 0.4085% | 5,218 |
| Pretax return on assets | 0.3968% | 5,473 |
| Return on Equity (ROE) | 1.9474% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.9474% | 4,722 |
| Net charge-offs to loans | 0.1430% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.0294% | 2,836 |
| Efficiency ratio | 87.5000% | 939 |
| Assets per employee ($millions) | 4.8942% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5051% | 6,083 |
| Loan loss allowance to noncurrent loans | 86.8613% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 2,591 |
| Noncurrent loans to loans | 0.5814% | 3,711 |
| Net loans and leases to total assets | 45.6187% | 5,278 |
| Net loans and leases to deposits | 58.3776% | 4,965 |
| Net loans and leases to core deposits | 58.5841% | 5,154 |
| Total domestic deposits to total assets | 78.1442% | 5,252 |
| Equity capital to assets | 20.9636% | 178 |
| Core capital (leverage) ratio | 20.7651% | 175 |
| Tier 1 risk-based capital ratio | 50.1751% | 147 |
| Total risk-based capital ratio | 50.7308% | 149 |
| Memoranda: | ||
| Average total assets | $102,811,670 | 4,497 |
| Average earning assets | $92,857,670 | 4,537 |
| Average equity | $21,567,330 | 3,045 |
| Average total loans | $47,559,000 | 4,834 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6621% | 4,492 |
| Cost of funding earning assets | 0.3095% | 4,331 |
| Net interest margin | 3.3527% | 4,012 |
| Noninterest income to average assets | 0.1712% | 5,693 |
| Noninterest expense to average assets | 2.7035% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4942% | 4,710 |
| Return on assets (ROA) | 0.5135% | 4,735 |
| Pretax return on assets | 0.5213% | 5,121 |
| Return on Equity (ROE) | 2.4464% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.4464% | 4,471 |
| Net charge-offs to loans | 0.2847% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.7941% | 2,567 |
| Efficiency ratio | 84.3447% | 1,338 |
| Assets per employee ($millions) | 4.9281% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 6,167 |
| Loan loss allowance to noncurrent loans | 37.2642% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 1,717 |
| Noncurrent loans to loans | 1.3400% | 2,147 |
| Net loans and leases to total assets | 45.6330% | 5,225 |
| Net loans and leases to deposits | 58.5183% | 4,877 |
| Net loans and leases to core deposits | 58.7271% | 5,078 |
| Total domestic deposits to total assets | 77.9807% | 5,454 |
| Equity capital to assets | 20.9632% | 185 |
| Core capital (leverage) ratio | 20.9415% | 173 |
| Tier 1 risk-based capital ratio | 48.6199% | 159 |
| Total risk-based capital ratio | 49.1579% | 163 |
| Memoranda: | ||
| Average total assets | $102,828,500 | 4,531 |
| Average earning assets | $93,060,500 | 4,572 |
| Average equity | $21,582,500 | 3,066 |
| Average total loans | $47,776,500 | 4,857 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 4,953 |
| Cost of funding earning assets | 0.3450% | 4,307 |
| Net interest margin | 3.2988% | 4,571 |
| Noninterest income to average assets | 0.1443% | 5,975 |
| Noninterest expense to average assets | 2.6942% | 3,883 |
| Loan and lease loss provision to assets | 0.0239% | 4,129 |
| Net operating income to assets | 0.4407% | 5,059 |
| Return on assets (ROA) | 0.4548% | 5,091 |
| Pretax return on assets | 0.4643% | 5,346 |
| Return on Equity (ROE) | 2.4135% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.4135% | 4,513 |
| Net charge-offs to loans | 0.2746% | 1,578 |
| Credit loss provision to net charge-offs | 18.6567% | 3,988 |
| Earnings coverage of net charge-offs (x) | 3.7015% | 3,826 |
| Efficiency ratio | 85.0422% | 1,275 |
| Assets per employee ($millions) | 4.6434% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4616% | 6,288 |
| Loan loss allowance to noncurrent loans | 27.4752% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7708% | 1,484 |
| Noncurrent loans to loans | 1.6802% | 1,740 |
| Net loans and leases to total assets | 46.8582% | 5,262 |
| Net loans and leases to deposits | 60.0753% | 4,895 |
| Net loans and leases to core deposits | 60.2947% | 5,121 |
| Total domestic deposits to total assets | 77.9991% | 5,439 |
| Equity capital to assets | 21.2667% | 180 |
| Core capital (leverage) ratio | 20.9938% | 174 |
| Tier 1 risk-based capital ratio | 48.5676% | 144 |
| Total risk-based capital ratio | 49.0704% | 149 |
| Memoranda: | ||
| Average total assets | $104,667,400 | 4,489 |
| Average earning assets | $95,944,800 | 4,508 |
| Average equity | $19,722,800 | 3,191 |
| Average total loans | $48,799,800 | 4,861 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6360% | 5,048 |
| Cost of funding earning assets | 0.3505% | 4,339 |
| Net interest margin | 3.2855% | 4,664 |
| Noninterest income to average assets | 0.1076% | 6,221 |
| Noninterest expense to average assets | 2.7161% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4153% | 5,191 |
| Return on assets (ROA) | 0.4255% | 5,234 |
| Pretax return on assets | 0.4166% | 5,543 |
| Return on Equity (ROE) | 2.3306% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.3306% | 4,889 |
| Net charge-offs to loans | 0.1280% | 2,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.8293% | 3,017 |
| Efficiency ratio | 86.9830% | 1,096 |
| Assets per employee ($millions) | 5.1041% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 6,235 |
| Loan loss allowance to noncurrent loans | 32.3462% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 1.9386% | 1,503 |
| Noncurrent loans to loans | 1.8299% | 1,750 |
| Net loans and leases to total assets | 46.7252% | 5,317 |
| Net loans and leases to deposits | 59.8064% | 4,964 |
| Net loans and leases to core deposits | 60.2263% | 5,174 |
| Total domestic deposits to total assets | 78.1274% | 5,508 |
| Equity capital to assets | 20.9900% | 189 |
| Core capital (leverage) ratio | 20.8697% | 175 |
| Tier 1 risk-based capital ratio | 48.1294% | 145 |
| Total risk-based capital ratio | 48.7710% | 149 |
| Memoranda: | ||
| Average total assets | $105,295,500 | 4,514 |
| Average earning assets | $96,623,750 | 4,534 |
| Average equity | $19,222,250 | 3,265 |
| Average total loans | $48,977,250 | 4,902 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 5,037 |
| Cost of funding earning assets | 0.3561% | 4,366 |
| Net interest margin | 3.2847% | 4,650 |
| Noninterest income to average assets | 0.1523% | 6,039 |
| Noninterest expense to average assets | 2.6136% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4976% | 4,821 |
| Return on assets (ROA) | 0.5114% | 4,859 |
| Pretax return on assets | 0.5547% | 5,119 |
| Return on Equity (ROE) | 2.9426% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.9426% | 4,332 |
| Net charge-offs to loans | 0.1906% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.1064% | 2,820 |
| Efficiency ratio | 82.8861% | 1,644 |
| Assets per employee ($millions) | 5.0922% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5835% | 6,329 |
| Loan loss allowance to noncurrent loans | 46.8647% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 1,878 |
| Noncurrent loans to loans | 1.2450% | 2,738 |
| Net loans and leases to total assets | 45.2509% | 5,440 |
| Net loans and leases to deposits | 57.1243% | 5,111 |
| Net loans and leases to core deposits | 57.7708% | 5,289 |
| Total domestic deposits to total assets | 79.2149% | 5,410 |
| Equity capital to assets | 19.9641% | 222 |
| Core capital (leverage) ratio | 19.8824% | 203 |
| Tier 1 risk-based capital ratio | 46.8781% | 154 |
| Total risk-based capital ratio | 47.5049% | 159 |
| Memoranda: | ||
| Average total assets | $106,366,670 | 4,525 |
| Average earning assets | $97,177,330 | 4,554 |
| Average equity | $18,487,330 | 3,366 |
| Average total loans | $49,309,000 | 4,913 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 5,012 |
| Cost of funding earning assets | 0.3611% | 4,428 |
| Net interest margin | 3.2871% | 4,600 |
| Noninterest income to average assets | 0.2112% | 5,665 |
| Noninterest expense to average assets | 2.5264% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6156% | 4,124 |
| Return on assets (ROA) | 0.6222% | 4,170 |
| Pretax return on assets | 0.7127% | 4,449 |
| Return on Equity (ROE) | 3.8695% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.8695% | 3,797 |
| Net charge-offs to loans | 0.1451% | 1,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.3889% | 1,865 |
| Efficiency ratio | 78.1797% | 2,450 |
| Assets per employee ($millions) | 5.5595% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 6,363 |
| Loan loss allowance to noncurrent loans | 46.6468% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 1,748 |
| Noncurrent loans to loans | 1.3621% | 2,758 |
| Net loans and leases to total assets | 46.3401% | 5,299 |
| Net loans and leases to deposits | 58.3365% | 4,904 |
| Net loans and leases to core deposits | 59.0216% | 5,125 |
| Total domestic deposits to total assets | 79.4358% | 5,607 |
| Equity capital to assets | 19.8911% | 219 |
| Core capital (leverage) ratio | 19.9843% | 205 |
| Tier 1 risk-based capital ratio | 41.1824% | 217 |
| Total risk-based capital ratio | 41.7924% | 223 |
| Memoranda: | ||
| Average total assets | $106,081,500 | 4,583 |
| Average earning assets | $97,472,000 | 4,583 |
| Average equity | $17,056,500 | 3,543 |
| Average total loans | $49,626,500 | 4,944 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 5,349 |
| Cost of funding earning assets | 0.4384% | 4,237 |
| Net interest margin | 3.1849% | 5,048 |
| Noninterest income to average assets | 0.2255% | 5,724 |
| Noninterest expense to average assets | 2.6341% | 4,339 |
| Loan and lease loss provision to assets | 0.0307% | 4,497 |
| Net operating income to assets | 0.4379% | 4,997 |
| Return on assets (ROA) | 0.4910% | 4,909 |
| Pretax return on assets | 0.5358% | 5,088 |
| Return on Equity (ROE) | 3.9544% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.9544% | 3,390 |
| Net charge-offs to loans | 0.1763% | 3,068 |
| Credit loss provision to net charge-offs | 36.2637% | 4,125 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,156 |
| Efficiency ratio | 83.8126% | 1,644 |
| Assets per employee ($millions) | 5.6070% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6621% | 6,401 |
| Loan loss allowance to noncurrent loans | 48.8922% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.1486% | 1,660 |
| Noncurrent loans to loans | 1.3542% | 2,872 |
| Net loans and leases to total assets | 46.6147% | 5,433 |
| Net loans and leases to deposits | 53.5637% | 5,502 |
| Net loans and leases to core deposits | 54.1342% | 5,663 |
| Total domestic deposits to total assets | 87.0266% | 2,709 |
| Equity capital to assets | 12.2985% | 1,625 |
| Core capital (leverage) ratio | 12.5178% | 1,350 |
| Tier 1 risk-based capital ratio | 25.8164% | 784 |
| Total risk-based capital ratio | 26.4555% | 820 |
| Memoranda: | ||
| Average total assets | $107,322,800 | 4,561 |
| Average earning assets | $98,307,600 | 4,559 |
| Average equity | $13,327,000 | 4,199 |
| Average total loans | $51,619,600 | 4,907 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 5,450 |
| Cost of funding earning assets | 0.4543% | 4,229 |
| Net interest margin | 3.1409% | 5,187 |
| Noninterest income to average assets | 0.2232% | 5,829 |
| Noninterest expense to average assets | 2.3722% | 5,111 |
| Loan and lease loss provision to assets | 0.0409% | 4,188 |
| Net operating income to assets | 0.5710% | 4,469 |
| Return on assets (ROA) | 0.6262% | 4,358 |
| Pretax return on assets | 0.7477% | 4,495 |
| Return on Equity (ROE) | 5.0311% | 4,706 |
| Retained earnings to average equity (ytd only) | 5.0311% | 3,055 |
| Net charge-offs to loans | -0.0128% | 5,942 |
| Credit loss provision to net charge-offs | -660.0000% | 6,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6426% | 2,622 |
| Assets per employee ($millions) | 5.3590% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 6,216 |
| Loan loss allowance to noncurrent loans | 67.4566% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.0956% | 1,908 |
| Noncurrent loans to loans | 1.2345% | 3,343 |
| Net loans and leases to total assets | 47.4440% | 5,402 |
| Net loans and leases to deposits | 54.3734% | 5,500 |
| Net loans and leases to core deposits | 54.9641% | 5,698 |
| Total domestic deposits to total assets | 87.2559% | 2,530 |
| Equity capital to assets | 12.3242% | 1,690 |
| Core capital (leverage) ratio | 12.4362% | 1,453 |
| Tier 1 risk-based capital ratio | 25.4006% | 844 |
| Total risk-based capital ratio | 26.2133% | 864 |
| Memoranda: | ||
| Average total assets | $107,520,250 | 4,603 |
| Average earning assets | $98,312,000 | 4,603 |
| Average equity | $13,383,250 | 4,234 |
| Average total loans | $52,026,750 | 4,928 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 5,255 |
| Cost of funding earning assets | 0.4751% | 4,144 |
| Net interest margin | 3.1869% | 4,987 |
| Noninterest income to average assets | 0.2155% | 5,899 |
| Noninterest expense to average assets | 2.3691% | 5,142 |
| Loan and lease loss provision to assets | 0.0873% | 3,337 |
| Net operating income to assets | 0.5537% | 4,538 |
| Return on assets (ROA) | 0.6355% | 4,279 |
| Pretax return on assets | 0.7618% | 4,457 |
| Return on Equity (ROE) | 5.0888% | 4,675 |
| Retained earnings to average equity (ytd only) | 5.0888% | 2,992 |
| Net charge-offs to loans | -0.0115% | 5,803 |
| Credit loss provision to net charge-offs | -1,566.6667% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9381% | 2,801 |
| Assets per employee ($millions) | 5.3865% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,250 |
| Loan loss allowance to noncurrent loans | 194.2478% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6319% | 2,660 |
| Noncurrent loans to loans | 0.4382% | 5,167 |
| Net loans and leases to total assets | 47.4654% | 5,376 |
| Net loans and leases to deposits | 54.4002% | 5,485 |
| Net loans and leases to core deposits | 55.1554% | 5,665 |
| Total domestic deposits to total assets | 87.2523% | 2,686 |
| Equity capital to assets | 12.2418% | 1,746 |
| Core capital (leverage) ratio | 12.2378% | 1,485 |
| Tier 1 risk-based capital ratio | 25.3028% | 840 |
| Total risk-based capital ratio | 26.1454% | 870 |
| Memoranda: | ||
| Average total assets | $107,634,000 | 4,623 |
| Average earning assets | $98,090,330 | 4,644 |
| Average equity | $13,441,330 | 4,254 |
| Average total loans | $52,276,670 | 4,941 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 5,197 |
| Cost of funding earning assets | 0.4895% | 4,181 |
| Net interest margin | 3.2021% | 4,932 |
| Noninterest income to average assets | 0.1859% | 6,143 |
| Noninterest expense to average assets | 2.3237% | 5,356 |
| Loan and lease loss provision to assets | 0.1859% | 1,987 |
| Net operating income to assets | 0.4907% | 4,717 |
| Return on assets (ROA) | 0.6172% | 4,289 |
| Pretax return on assets | 0.7473% | 4,383 |
| Return on Equity (ROE) | 4.8939% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.8939% | 3,300 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8503% | 3,117 |
| Assets per employee ($millions) | 5.3811% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 6,391 |
| Loan loss allowance to noncurrent loans | 243.8889% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6270% | 2,826 |
| Noncurrent loans to loans | 0.3434% | 5,543 |
| Net loans and leases to total assets | 48.3024% | 5,193 |
| Net loans and leases to deposits | 55.7936% | 5,267 |
| Net loans and leases to core deposits | 56.5942% | 5,465 |
| Total domestic deposits to total assets | 86.5734% | 3,198 |
| Equity capital to assets | 12.6498% | 1,619 |
| Core capital (leverage) ratio | 12.1511% | 1,491 |
| Tier 1 risk-based capital ratio | 24.8348% | 909 |
| Total risk-based capital ratio | 25.6732% | 947 |
| Memoranda: | ||
| Average total assets | $107,586,500 | 4,664 |
| Average earning assets | $98,060,000 | 4,684 |
| Average equity | $13,568,000 | 4,274 |
| Average total loans | $52,628,500 | 4,960 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 4,097 |
| Cost of funding earning assets | 0.6420% | 3,991 |
| Net interest margin | 3.6847% | 3,716 |
| Noninterest income to average assets | 0.2984% | 5,328 |
| Noninterest expense to average assets | 2.5689% | 4,863 |
| Loan and lease loss provision to assets | 0.0472% | 5,243 |
| Net operating income to assets | 0.8047% | 3,266 |
| Return on assets (ROA) | 0.8047% | 3,517 |
| Pretax return on assets | 1.0323% | 3,424 |
| Return on Equity (ROE) | 6.4987% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.4987% | 1,822 |
| Net charge-offs to loans | 0.0611% | 5,086 |
| Credit loss provision to net charge-offs | 151.5152% | 1,795 |
| Earnings coverage of net charge-offs (x) | 34.6364% | 904 |
| Efficiency ratio | 70.4116% | 3,728 |
| Assets per employee ($millions) | 5.3776% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 6,588 |
| Loan loss allowance to noncurrent loans | 121.5625% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.8019% | 2,710 |
| Noncurrent loans to loans | 0.6057% | 5,005 |
| Net loans and leases to total assets | 48.7629% | 5,335 |
| Net loans and leases to deposits | 56.3482% | 5,413 |
| Net loans and leases to core deposits | 57.1576% | 5,621 |
| Total domestic deposits to total assets | 86.5385% | 3,083 |
| Equity capital to assets | 12.5726% | 1,650 |
| Core capital (leverage) ratio | 12.0164% | 1,554 |
| Tier 1 risk-based capital ratio | 24.3885% | 923 |
| Total risk-based capital ratio | 25.1272% | 966 |
| Memoranda: | ||
| Average total assets | $105,881,800 | 4,684 |
| Average earning assets | $96,261,800 | 4,684 |
| Average equity | $13,110,400 | 4,332 |
| Average total loans | $54,018,400 | 4,940 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 4,068 |
| Cost of funding earning assets | 0.6668% | 4,048 |
| Net interest margin | 3.7287% | 3,666 |
| Noninterest income to average assets | 0.3009% | 5,373 |
| Noninterest expense to average assets | 2.4551% | 5,227 |
| Loan and lease loss provision to assets | 0.0632% | 4,919 |
| Net operating income to assets | 0.8951% | 3,005 |
| Return on assets (ROA) | 0.8951% | 3,236 |
| Pretax return on assets | 1.1618% | 3,124 |
| Return on Equity (ROE) | 7.2572% | 3,662 |
| Retained earnings to average equity (ytd only) | 7.2572% | 1,974 |
| Net charge-offs to loans | 0.0270% | 5,286 |
| Credit loss provision to net charge-offs | 454.5455% | 588 |
| Earnings coverage of net charge-offs (x) | 88.0688% | 470 |
| Efficiency ratio | 66.7125% | 4,308 |
| Assets per employee ($millions) | 5.6417% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 6,654 |
| Loan loss allowance to noncurrent loans | 51.3750% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.3108% | 2,300 |
| Noncurrent loans to loans | 1.5034% | 3,532 |
| Net loans and leases to total assets | 49.2579% | 5,410 |
| Net loans and leases to deposits | 56.9473% | 5,540 |
| Net loans and leases to core deposits | 57.7850% | 5,748 |
| Total domestic deposits to total assets | 86.4973% | 2,980 |
| Equity capital to assets | 12.5568% | 1,855 |
| Core capital (leverage) ratio | 11.9307% | 1,697 |
| Tier 1 risk-based capital ratio | 23.4549% | 1,100 |
| Total risk-based capital ratio | 24.2140% | 1,153 |
| Memoranda: | ||
| Average total assets | $105,464,500 | 4,737 |
| Average earning assets | $95,580,500 | 4,749 |
| Average equity | $13,007,500 | 4,397 |
| Average total loans | $54,314,500 | 4,985 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 3,542 |
| Cost of funding earning assets | 0.6841% | 4,151 |
| Net interest margin | 3.8726% | 3,027 |
| Noninterest income to average assets | 0.2860% | 5,521 |
| Noninterest expense to average assets | 2.3511% | 5,616 |
| Loan and lease loss provision to assets | 0.0953% | 4,353 |
| Net operating income to assets | 1.1098% | 2,011 |
| Return on assets (ROA) | 1.1098% | 2,227 |
| Pretax return on assets | 1.3691% | 2,326 |
| Return on Equity (ROE) | 9.0537% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.0537% | 1,259 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6192% | 5,307 |
| Assets per employee ($millions) | 5.3163% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 6,708 |
| Loan loss allowance to noncurrent loans | 40.8124% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 2.2798% | 2,455 |
| Noncurrent loans to loans | 1.9221% | 3,042 |
| Net loans and leases to total assets | 50.1980% | 5,333 |
| Net loans and leases to deposits | 57.8531% | 5,465 |
| Net loans and leases to core deposits | 58.7084% | 5,720 |
| Total domestic deposits to total assets | 86.7679% | 2,914 |
| Equity capital to assets | 12.4261% | 1,864 |
| Core capital (leverage) ratio | 11.8949% | 1,655 |
| Tier 1 risk-based capital ratio | 23.2598% | 1,103 |
| Total risk-based capital ratio | 24.0406% | 1,143 |
| Memoranda: | ||
| Average total assets | $104,888,330 | 4,780 |
| Average earning assets | $95,595,670 | 4,779 |
| Average equity | $12,856,670 | 4,422 |
| Average total loans | $54,682,000 | 5,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 4,780 |
| Cost of funding earning assets | 0.7045% | 4,241 |
| Net interest margin | 3.5855% | 4,326 |
| Noninterest income to average assets | 0.2688% | 5,726 |
| Noninterest expense to average assets | 2.3462% | 5,642 |
| Loan and lease loss provision to assets | 0.1920% | 3,031 |
| Net operating income to assets | 0.8525% | 3,146 |
| Return on assets (ROA) | 0.8525% | 3,382 |
| Pretax return on assets | 1.0137% | 3,632 |
| Return on Equity (ROE) | 7.0037% | 3,783 |
| Retained earnings to average equity (ytd only) | 7.0037% | 2,438 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0541% | 4,548 |
| Assets per employee ($millions) | 5.8318% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 6,782 |
| Loan loss allowance to noncurrent loans | 24.2250% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 2.9856% | 1,941 |
| Noncurrent loans to loans | 3.1950% | 2,014 |
| Net loans and leases to total assets | 51.5385% | 5,081 |
| Net loans and leases to deposits | 59.1055% | 5,268 |
| Net loans and leases to core deposits | 59.9969% | 5,528 |
| Total domestic deposits to total assets | 87.1975% | 2,829 |
| Equity capital to assets | 12.1537% | 1,942 |
| Core capital (leverage) ratio | 11.6327% | 1,811 |
| Tier 1 risk-based capital ratio | 23.9014% | 1,019 |
| Total risk-based capital ratio | 24.7274% | 1,051 |
| Memoranda: | ||
| Average total assets | $104,170,000 | 4,829 |
| Average earning assets | $95,385,000 | 4,808 |
| Average equity | $12,679,000 | 4,467 |
| Average total loans | $55,125,500 | 5,017 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 4,569 |
| Cost of funding earning assets | 0.8642% | 4,361 |
| Net interest margin | 3.7606% | 4,026 |
| Noninterest income to average assets | 0.2167% | 5,972 |
| Noninterest expense to average assets | 2.3769% | 5,838 |
| Loan and lease loss provision to assets | 0.1583% | 4,652 |
| Net operating income to assets | 0.7204% | 3,386 |
| Return on assets (ROA) | 0.7313% | 3,509 |
| Pretax return on assets | 1.0648% | 2,982 |
| Return on Equity (ROE) | 6.1919% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.1919% | 1,912 |
| Net charge-offs to loans | 0.1044% | 5,311 |
| Credit loss provision to net charge-offs | 266.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,135 |
| Efficiency ratio | 66.3170% | 4,702 |
| Assets per employee ($millions) | 5.4404% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 6,944 |
| Loan loss allowance to noncurrent loans | 23.9691% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 2.8500% | 2,123 |
| Noncurrent loans to loans | 2.7850% | 2,351 |
| Net loans and leases to total assets | 53.5524% | 5,102 |
| Net loans and leases to deposits | 61.4289% | 5,320 |
| Net loans and leases to core deposits | 62.3680% | 5,616 |
| Total domestic deposits to total assets | 87.1779% | 2,656 |
| Equity capital to assets | 12.1895% | 1,973 |
| Core capital (leverage) ratio | 11.7056% | 1,761 |
| Tier 1 risk-based capital ratio | 28.7540% | 578 |
| Total risk-based capital ratio | 29.6461% | 587 |
| Memoranda: | ||
| Average total assets | $101,054,200 | 4,864 |
| Average earning assets | $90,489,800 | 4,918 |
| Average equity | $11,935,000 | 4,567 |
| Average total loans | $57,446,800 | 4,968 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 4,172 |
| Cost of funding earning assets | 0.8903% | 4,471 |
| Net interest margin | 3.8742% | 3,502 |
| Noninterest income to average assets | 0.1964% | 6,190 |
| Noninterest expense to average assets | 2.4271% | 5,698 |
| Loan and lease loss provision to assets | 0.1327% | 4,770 |
| Net operating income to assets | 0.7551% | 3,365 |
| Return on assets (ROA) | 0.7736% | 3,444 |
| Pretax return on assets | 1.1107% | 2,963 |
| Return on Equity (ROE) | 6.6049% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.6049% | 2,195 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6060% | 4,605 |
| Assets per employee ($millions) | 5.3888% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 7,012 |
| Loan loss allowance to noncurrent loans | 75.9184% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8997% | 3,270 |
| Noncurrent loans to loans | 0.8726% | 5,111 |
| Net loans and leases to total assets | 54.4805% | 5,092 |
| Net loans and leases to deposits | 62.4179% | 5,355 |
| Net loans and leases to core deposits | 62.7437% | 5,746 |
| Total domestic deposits to total assets | 87.2835% | 2,475 |
| Equity capital to assets | 12.0318% | 2,223 |
| Core capital (leverage) ratio | 11.6435% | 1,925 |
| Tier 1 risk-based capital ratio | 28.0444% | 653 |
| Total risk-based capital ratio | 28.9259% | 668 |
| Memoranda: | ||
| Average total assets | $100,475,750 | 4,916 |
| Average earning assets | $89,410,750 | 4,968 |
| Average equity | $11,768,750 | 4,625 |
| Average total loans | $57,876,500 | 5,001 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 3,816 |
| Cost of funding earning assets | 0.9112% | 4,577 |
| Net interest margin | 3.9485% | 3,094 |
| Noninterest income to average assets | 0.2143% | 6,137 |
| Noninterest expense to average assets | 2.4560% | 5,681 |
| Loan and lease loss provision to assets | 0.2003% | 3,920 |
| Net operating income to assets | 0.7352% | 3,362 |
| Return on assets (ROA) | 0.7352% | 3,483 |
| Pretax return on assets | 1.0477% | 3,050 |
| Return on Equity (ROE) | 6.3356% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.3356% | 2,221 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3061% | 4,820 |
| Assets per employee ($millions) | 5.0056% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 7,082 |
| Loan loss allowance to noncurrent loans | 75.9184% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 2.0577% | 3,163 |
| Noncurrent loans to loans | 0.8628% | 5,226 |
| Net loans and leases to total assets | 56.3554% | 4,929 |
| Net loans and leases to deposits | 64.3740% | 5,228 |
| Net loans and leases to core deposits | 64.9962% | 5,611 |
| Total domestic deposits to total assets | 87.5438% | 2,445 |
| Equity capital to assets | 11.9288% | 2,143 |
| Core capital (leverage) ratio | 11.7431% | 1,752 |
| Tier 1 risk-based capital ratio | 27.7357% | 678 |
| Total risk-based capital ratio | 28.6164% | 693 |
| Memoranda: | ||
| Average total assets | $99,838,670 | 4,967 |
| Average earning assets | $88,237,000 | 5,049 |
| Average equity | $11,585,330 | 4,662 |
| Average total loans | $58,451,000 | 5,035 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 3,233 |
| Cost of funding earning assets | 0.9374% | 4,670 |
| Net interest margin | 4.0359% | 2,538 |
| Noninterest income to average assets | 0.1926% | 6,346 |
| Noninterest expense to average assets | 2.4192% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8906% | 2,611 |
| Return on assets (ROA) | 0.8906% | 2,673 |
| Pretax return on assets | 1.2798% | 2,102 |
| Return on Equity (ROE) | 7.7847% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.7847% | 1,815 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4013% | 5,140 |
| Assets per employee ($millions) | 5.2474% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4804% | 7,296 |
| Loan loss allowance to noncurrent loans | 159.0909% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7432% | 3,649 |
| Noncurrent loans to loans | 0.3019% | 6,385 |
| Net loans and leases to total assets | 58.1830% | 4,615 |
| Net loans and leases to deposits | 66.1041% | 4,958 |
| Net loans and leases to core deposits | 66.4890% | 5,465 |
| Total domestic deposits to total assets | 88.0172% | 2,363 |
| Equity capital to assets | 11.5204% | 2,247 |
| Core capital (leverage) ratio | 11.5907% | 1,799 |
| Tier 1 risk-based capital ratio | 27.0643% | 699 |
| Total risk-based capital ratio | 27.7193% | 731 |
| Memoranda: | ||
| Average total assets | $99,702,500 | 5,008 |
| Average earning assets | $86,622,500 | 5,142 |
| Average equity | $11,407,000 | 4,692 |
| Average total loans | $59,281,500 | 5,035 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 3,488 |
| Cost of funding earning assets | 1.1633% | 4,774 |
| Net interest margin | 4.0609% | 2,744 |
| Noninterest income to average assets | 0.1852% | 6,430 |
| Noninterest expense to average assets | 2.3346% | 6,257 |
| Loan and lease loss provision to assets | 0.1018% | 6,128 |
| Net operating income to assets | 0.7409% | 3,040 |
| Return on assets (ROA) | 0.7409% | 3,167 |
| Pretax return on assets | 1.2447% | 2,087 |
| Return on Equity (ROE) | 4.1800% | 4,440 |
| Retained earnings to average equity (ytd only) | -40.6059% | 7,348 |
| Net charge-offs to loans | 0.3348% | 4,336 |
| Credit loss provision to net charge-offs | 47.1698% | 6,304 |
| Earnings coverage of net charge-offs (x) | 6.2406% | 2,406 |
| Efficiency ratio | 63.4227% | 5,439 |
| Assets per employee ($millions) | 5.2476% | 1,807 |
| Cash dividends to net income (ytd only)* | 1,071.4286% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 7,372 |
| Loan loss allowance to noncurrent loans | 219.6970% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 3,835 |
| Noncurrent loans to loans | 0.2190% | 6,627 |
| Net loans and leases to total assets | 60.1621% | 4,651 |
| Net loans and leases to deposits | 68.2218% | 5,075 |
| Net loans and leases to core deposits | 68.6167% | 5,596 |
| Total domestic deposits to total assets | 88.1860% | 2,129 |
| Equity capital to assets | 11.3616% | 2,362 |
| Core capital (leverage) ratio | 11.3792% | 1,907 |
| Tier 1 risk-based capital ratio | 26.3962% | 723 |
| Total risk-based capital ratio | 27.0708% | 750 |
| Memoranda: | ||
| Average total assets | $98,259,400 | 5,041 |
| Average earning assets | $84,587,000 | 5,196 |
| Average equity | $17,416,200 | 3,519 |
| Average total loans | $63,322,600 | 4,941 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 3,305 |
| Cost of funding earning assets | 1.2246% | 4,717 |
| Net interest margin | 4.0851% | 2,687 |
| Noninterest income to average assets | 0.1934% | 6,503 |
| Noninterest expense to average assets | 2.3085% | 6,299 |
| Loan and lease loss provision to assets | 0.1362% | 5,667 |
| Net operating income to assets | 0.7341% | 3,262 |
| Return on assets (ROA) | 0.7341% | 3,423 |
| Pretax return on assets | 1.2516% | 2,326 |
| Return on Equity (ROE) | 3.7947% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.7947% | 3,790 |
| Net charge-offs to loans | 0.4369% | 3,550 |
| Credit loss provision to net charge-offs | 47.6190% | 5,920 |
| Earnings coverage of net charge-offs (x) | 4.8524% | 2,916 |
| Efficiency ratio | 62.4539% | 5,533 |
| Assets per employee ($millions) | 5.1974% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 7,241 |
| Loan loss allowance to noncurrent loans | 36.7776% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 2.1772% | 3,237 |
| Noncurrent loans to loans | 1.8354% | 3,885 |
| Net loans and leases to total assets | 62.5827% | 4,413 |
| Net loans and leases to deposits | 78.5293% | 3,732 |
| Net loans and leases to core deposits | 79.0355% | 4,659 |
| Total domestic deposits to total assets | 79.6934% | 5,809 |
| Equity capital to assets | 19.5633% | 313 |
| Core capital (leverage) ratio | 19.3008% | 281 |
| Tier 1 risk-based capital ratio | 42.7303% | 206 |
| Total risk-based capital ratio | 43.6769% | 208 |
| Memoranda: | ||
| Average total assets | $97,898,250 | 5,112 |
| Average earning assets | $83,944,750 | 5,274 |
| Average equity | $18,938,250 | 3,330 |
| Average total loans | $64,084,750 | 4,977 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2788% | 3,568 |
| Cost of funding earning assets | 1.2672% | 4,730 |
| Net interest margin | 4.0116% | 2,956 |
| Noninterest income to average assets | 0.1864% | 6,569 |
| Noninterest expense to average assets | 2.3173% | 6,311 |
| Loan and lease loss provision to assets | 0.2049% | 4,825 |
| Net operating income to assets | 0.6638% | 3,564 |
| Return on assets (ROA) | 0.6638% | 3,708 |
| Pretax return on assets | 1.1474% | 2,594 |
| Return on Equity (ROE) | 3.4447% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.4447% | 3,917 |
| Net charge-offs to loans | 0.6491% | 2,598 |
| Credit loss provision to net charge-offs | 47.6190% | 5,470 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 3,432 |
| Efficiency ratio | 63.1491% | 5,491 |
| Assets per employee ($millions) | 4.8737% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 7,318 |
| Loan loss allowance to noncurrent loans | 29.5151% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 2.3330% | 3,097 |
| Noncurrent loans to loans | 2.2436% | 3,436 |
| Net loans and leases to total assets | 64.6394% | 4,123 |
| Net loans and leases to deposits | 81.1337% | 3,413 |
| Net loans and leases to core deposits | 82.9670% | 4,284 |
| Total domestic deposits to total assets | 79.6703% | 5,830 |
| Equity capital to assets | 19.5131% | 311 |
| Core capital (leverage) ratio | 19.3080% | 276 |
| Tier 1 risk-based capital ratio | 42.1982% | 214 |
| Total risk-based capital ratio | 43.1437% | 214 |
| Memoranda: | ||
| Average total assets | $97,614,000 | 5,150 |
| Average earning assets | $84,753,670 | 5,271 |
| Average equity | $18,811,330 | 3,327 |
| Average total loans | $64,706,000 | 4,993 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 4,023 |
| Cost of funding earning assets | 1.3393% | 4,568 |
| Net interest margin | 3.8593% | 3,513 |
| Noninterest income to average assets | 0.1597% | 6,828 |
| Noninterest expense to average assets | 2.2153% | 6,651 |
| Loan and lease loss provision to assets | 0.4095% | 2,913 |
| Net operating income to assets | 0.5159% | 4,313 |
| Return on assets (ROA) | 0.5159% | 4,456 |
| Pretax return on assets | 0.9213% | 3,382 |
| Return on Equity (ROE) | 2.6942% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.6942% | 4,525 |
| Net charge-offs to loans | 1.3283% | 1,287 |
| Credit loss provision to net charge-offs | 46.0829% | 4,540 |
| Earnings coverage of net charge-offs (x) | 1.4977% | 3,836 |
| Efficiency ratio | 62.4711% | 5,740 |
| Assets per employee ($millions) | 4.8682% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 7,443 |
| Loan loss allowance to noncurrent loans | 23.7493% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 2.8183% | 2,577 |
| Noncurrent loans to loans | 2.6989% | 2,972 |
| Net loans and leases to total assets | 65.7533% | 3,917 |
| Net loans and leases to deposits | 82.1422% | 3,259 |
| Net loans and leases to core deposits | 83.9805% | 4,199 |
| Total domestic deposits to total assets | 80.0481% | 5,764 |
| Equity capital to assets | 19.2751% | 320 |
| Core capital (leverage) ratio | 19.1091% | 304 |
| Tier 1 risk-based capital ratio | 41.2665% | 234 |
| Total risk-based capital ratio | 42.1855% | 232 |
| Memoranda: | ||
| Average total assets | $97,684,500 | 5,218 |
| Average earning assets | $85,716,000 | 5,313 |
| Average equity | $18,707,000 | 3,367 |
| Average total loans | $65,346,000 | 5,022 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 3,825 |
| Cost of funding earning assets | 1.8909% | 3,510 |
| Net interest margin | 3.6678% | 4,267 |
| Noninterest income to average assets | 0.0845% | 7,335 |
| Noninterest expense to average assets | 2.2476% | 6,874 |
| Loan and lease loss provision to assets | 0.3650% | 4,609 |
| Net operating income to assets | 0.4266% | 4,021 |
| Return on assets (ROA) | 0.4266% | 4,128 |
| Pretax return on assets | 0.7916% | 3,276 |
| Return on Equity (ROE) | 2.2201% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.2201% | 3,558 |
| Net charge-offs to loans | 0.0119% | 7,059 |
| Credit loss provision to net charge-offs | 4,375.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 138.6250% | 208 |
| Efficiency ratio | 66.0233% | 5,387 |
| Assets per employee ($millions) | 4.9003% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 7,131 |
| Loan loss allowance to noncurrent loans | 23.3686% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 2.4795% | 2,812 |
| Noncurrent loans to loans | 3.4229% | 2,226 |
| Net loans and leases to total assets | 67.0670% | 3,909 |
| Net loans and leases to deposits | 83.3183% | 3,397 |
| Net loans and leases to core deposits | 96.2132% | 4,446 |
| Total domestic deposits to total assets | 80.4949% | 5,519 |
| Equity capital to assets | 19.0266% | 361 |
| Core capital (leverage) ratio | 18.8561% | 349 |
| Tier 1 risk-based capital ratio | 40.4045% | 246 |
| Total risk-based capital ratio | 41.5670% | 237 |
| Memoranda: | ||
| Average total assets | $95,878,200 | 5,207 |
| Average earning assets | $86,783,000 | 5,235 |
| Average equity | $18,423,000 | 3,436 |
| Average total loans | $67,087,800 | 4,976 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6379% | 3,648 |
| Cost of funding earning assets | 1.9674% | 3,533 |
| Net interest margin | 3.6705% | 4,201 |
| Noninterest income to average assets | 0.1077% | 7,364 |
| Noninterest expense to average assets | 2.1968% | 6,984 |
| Loan and lease loss provision to assets | 0.2098% | 5,301 |
| Net operating income to assets | 0.5831% | 3,660 |
| Return on assets (ROA) | 0.5831% | 3,733 |
| Pretax return on assets | 1.0432% | 2,763 |
| Return on Equity (ROE) | 3.0271% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.0271% | 3,637 |
| Net charge-offs to loans | 0.0119% | 6,763 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 149.3300% | 258 |
| Efficiency ratio | 63.6806% | 5,813 |
| Assets per employee ($millions) | 4.8697% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 7,717 |
| Loan loss allowance to noncurrent loans | 133.8710% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 6,131 |
| Noncurrent loans to loans | 0.3695% | 6,610 |
| Net loans and leases to total assets | 68.5761% | 3,829 |
| Net loans and leases to deposits | 85.5271% | 3,411 |
| Net loans and leases to core deposits | 99.0171% | 4,484 |
| Total domestic deposits to total assets | 80.1805% | 5,373 |
| Equity capital to assets | 19.2271% | 399 |
| Core capital (leverage) ratio | 18.9981% | 378 |
| Tier 1 risk-based capital ratio | 41.1156% | 266 |
| Total risk-based capital ratio | 41.8563% | 272 |
| Memoranda: | ||
| Average total assets | $95,346,500 | 5,257 |
| Average earning assets | $86,815,250 | 5,274 |
| Average equity | $18,367,000 | 3,471 |
| Average total loans | $67,295,000 | 5,010 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7369% | 3,360 |
| Cost of funding earning assets | 2.0369% | 3,590 |
| Net interest margin | 3.7000% | 3,950 |
| Noninterest income to average assets | 0.0824% | 7,564 |
| Noninterest expense to average assets | 2.2289% | 6,975 |
| Loan and lease loss provision to assets | 0.3169% | 4,046 |
| Net operating income to assets | 0.5007% | 4,086 |
| Return on assets (ROA) | 0.5007% | 4,208 |
| Pretax return on assets | 0.9254% | 3,258 |
| Return on Equity (ROE) | 2.5976% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.5976% | 3,879 |
| Net charge-offs to loans | 0.0178% | 6,272 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 389 |
| Efficiency ratio | 64.2118% | 5,871 |
| Assets per employee ($millions) | 4.8039% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4913% | 7,802 |
| Loan loss allowance to noncurrent loans | 291.2281% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 6,462 |
| Noncurrent loans to loans | 0.1687% | 7,102 |
| Net loans and leases to total assets | 69.9921% | 3,708 |
| Net loans and leases to deposits | 87.0883% | 3,340 |
| Net loans and leases to core deposits | 101.3031% | 4,369 |
| Total domestic deposits to total assets | 80.3691% | 5,329 |
| Equity capital to assets | 19.1490% | 447 |
| Core capital (leverage) ratio | 19.0270% | 416 |
| Tier 1 risk-based capital ratio | 40.7950% | 289 |
| Total risk-based capital ratio | 41.5372% | 298 |
| Memoranda: | ||
| Average total assets | $94,664,000 | 5,319 |
| Average earning assets | $86,701,670 | 5,310 |
| Average equity | $18,247,330 | 3,515 |
| Average total loans | $67,353,000 | 5,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 3,126 |
| Cost of funding earning assets | 2.1135% | 3,589 |
| Net interest margin | 3.7194% | 3,808 |
| Noninterest income to average assets | 0.1447% | 7,256 |
| Noninterest expense to average assets | 2.2734% | 6,624 |
| Loan and lease loss provision to assets | 0.6386% | 1,978 |
| Net operating income to assets | 0.3193% | 5,221 |
| Return on assets (ROA) | 0.3193% | 5,389 |
| Pretax return on assets | 0.6641% | 4,543 |
| Return on Equity (ROE) | 1.6509% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.6509% | 4,920 |
| Net charge-offs to loans | 0.0238% | 5,219 |
| Credit loss provision to net charge-offs | 3,750.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 541 |
| Efficiency ratio | 63.5714% | 5,768 |
| Assets per employee ($millions) | 4.7723% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4981% | 7,829 |
| Loan loss allowance to noncurrent loans | 197.6331% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 5,391 |
| Noncurrent loans to loans | 0.2521% | 6,817 |
| Net loans and leases to total assets | 69.8982% | 3,693 |
| Net loans and leases to deposits | 86.9523% | 3,480 |
| Net loans and leases to core deposits | 101.1170% | 4,429 |
| Total domestic deposits to total assets | 80.3868% | 5,216 |
| Equity capital to assets | 19.1679% | 470 |
| Core capital (leverage) ratio | 19.0017% | 451 |
| Tier 1 risk-based capital ratio | 40.6030% | 315 |
| Total risk-based capital ratio | 41.3528% | 316 |
| Memoranda: | ||
| Average total assets | $93,957,000 | 5,375 |
| Average earning assets | $86,680,000 | 5,328 |
| Average equity | $18,172,000 | 3,546 |
| Average total loans | $67,240,000 | 5,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6415% | 6,952 |
| Cost of funding earning assets | 2.5873% | 3,744 |
| Net interest margin | 3.0541% | 6,780 |
| Noninterest income to average assets | 0.1058% | 7,606 |
| Noninterest expense to average assets | 1.9760% | 7,486 |
| Loan and lease loss provision to assets | 0.1603% | 5,330 |
| Net operating income to assets | 0.4617% | 4,898 |
| Return on assets (ROA) | 0.4617% | 4,718 |
| Pretax return on assets | 0.9062% | 3,697 |
| Return on Equity (ROE) | 2.4245% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.4245% | 3,691 |
| Net charge-offs to loans | 0.1584% | 4,611 |
| Credit loss provision to net charge-offs | 141.5094% | 3,749 |
| Earnings coverage of net charge-offs (x) | 9.4151% | 2,689 |
| Efficiency ratio | 64.9456% | 5,340 |
| Assets per employee ($millions) | 4.6234% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5680% | 7,734 |
| Loan loss allowance to noncurrent loans | 33.7743% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4794% | 3,261 |
| Noncurrent loans to loans | 1.6817% | 3,245 |
| Net loans and leases to total assets | 72.5094% | 3,481 |
| Net loans and leases to deposits | 90.5002% | 3,364 |
| Net loans and leases to core deposits | 105.3071% | 4,266 |
| Total domestic deposits to total assets | 80.1207% | 4,971 |
| Equity capital to assets | 19.5192% | 496 |
| Core capital (leverage) ratio | 19.4783% | 471 |
| Tier 1 risk-based capital ratio | 40.4769% | 334 |
| Total risk-based capital ratio | 41.3376% | 329 |
| Memoranda: | ||
| Average total assets | $93,573,400 | 5,238 |
| Average earning assets | $89,976,400 | 5,083 |
| Average equity | $17,818,400 | 3,585 |
| Average total loans | $66,936,600 | 4,979 |