Home > First Federal Savings and Loan Association > Performance and Condition Ratios
First Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 3,638 |
| Cost of funding earning assets | 2.2558% | 586 |
| Net interest margin | 1.9371% | 4,430 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 1.6094% | 4,241 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.2175% | 4,146 |
| Return on assets (ROA) | 0.2175% | 4,159 |
| Pretax return on assets | 0.2999% | 4,089 |
| Return on Equity (ROE) | 1.0400% | 4,258 |
| Retained earnings to average equity (ytd only) | -4.0947% | 4,368 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.6273% | 582 |
| Assets per employee ($millions) | 9.8134% | 751 |
| Cash dividends to net income (ytd only)* | 492.1053% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6182% | 4,224 |
| Loan loss allowance to noncurrent loans | 34.3857% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.6610% | 207 |
| Noncurrent loans to loans | 1.7979% | 334 |
| Net loans and leases to total assets | 91.1900% | 26 |
| Net loans and leases to deposits | 142.2387% | 23 |
| Net loans and leases to core deposits | 195.3738% | 81 |
| Total domestic deposits to total assets | 64.1100% | 4,406 |
| Equity capital to assets | 20.4730% | 273 |
| Core capital (leverage) ratio | 20.6660% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $87,363,600 | 3,944 |
| Average earning assets | $84,714,400 | 3,884 |
| Average equity | $18,194,400 | 2,993 |
| Average total loans | $79,735,800 | 3,412 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 3,530 |
| Cost of funding earning assets | 2.1337% | 562 |
| Net interest margin | 2.0310% | 4,431 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 1.5472% | 4,281 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.3321% | 4,078 |
| Return on assets (ROA) | 0.3321% | 4,085 |
| Pretax return on assets | 0.4346% | 4,013 |
| Return on Equity (ROE) | 1.5900% | 4,250 |
| Retained earnings to average equity (ytd only) | -5.2534% | 4,428 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.6159% | 962 |
| Assets per employee ($millions) | 9.8743% | 698 |
| Cash dividends to net income (ytd only)* | 430.8756% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 4,214 |
| Loan loss allowance to noncurrent loans | 36.1227% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.6249% | 214 |
| Noncurrent loans to loans | 1.7702% | 372 |
| Net loans and leases to total assets | 90.5700% | 34 |
| Net loans and leases to deposits | 139.8228% | 25 |
| Net loans and leases to core deposits | 191.9146% | 49 |
| Total domestic deposits to total assets | 64.7800% | 4,422 |
| Equity capital to assets | 20.2793% | 280 |
| Core capital (leverage) ratio | 20.4956% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,124,250 | 3,959 |
| Average earning assets | $84,357,500 | 3,902 |
| Average equity | $18,222,500 | 2,986 |
| Average total loans | $79,410,250 | 3,423 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,517 |
| Cost of funding earning assets | 1.9372% | 567 |
| Net interest margin | 2.1498% | 4,446 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 1.5160% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4229% | 3,962 |
| Return on assets (ROA) | 0.4229% | 3,965 |
| Pretax return on assets | 0.5639% | 3,862 |
| Return on Equity (ROE) | 2.0000% | 4,272 |
| Retained earnings to average equity (ytd only) | -8.2234% | 4,489 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.8889% | 1,464 |
| Assets per employee ($millions) | 8.9077% | 941 |
| Cash dividends to net income (ytd only)* | 510.9290% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 4,231 |
| Loan loss allowance to noncurrent loans | 37.5606% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.6312% | 207 |
| Noncurrent loans to loans | 1.7697% | 345 |
| Net loans and leases to total assets | 90.9300% | 27 |
| Net loans and leases to deposits | 178.0876% | 9 |
| Net loans and leases to core deposits | 193.4094% | 47 |
| Total domestic deposits to total assets | 51.0600% | 4,522 |
| Equity capital to assets | 20.2555% | 277 |
| Core capital (leverage) ratio | 20.4109% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $86,542,667 | 3,985 |
| Average earning assets | $83,727,333 | 3,918 |
| Average equity | $18,289,333 | 3,002 |
| Average total loans | $78,878,000 | 3,432 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,559 |
| Cost of funding earning assets | 1.6103% | 684 |
| Net interest margin | 2.3378% | 4,426 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 1.5245% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5535% | 3,788 |
| Return on assets (ROA) | 0.5535% | 3,754 |
| Pretax return on assets | 0.7364% | 3,595 |
| Return on Equity (ROE) | 2.5600% | 4,235 |
| Retained earnings to average equity (ytd only) | -17.7488% | 4,579 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.4274% | 2,043 |
| Assets per employee ($millions) | 9.9278% | 720 |
| Cash dividends to net income (ytd only)* | 792.3729% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,291 |
| Loan loss allowance to noncurrent loans | 33.5604% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.8187% | 149 |
| Noncurrent loans to loans | 1.9661% | 289 |
| Net loans and leases to total assets | 91.3300% | 21 |
| Net loans and leases to deposits | 179.7889% | 8 |
| Net loans and leases to core deposits | 195.1849% | 37 |
| Total domestic deposits to total assets | 50.8000% | 4,574 |
| Equity capital to assets | 20.1388% | 229 |
| Core capital (leverage) ratio | 21.3197% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $85,275,500 | 4,047 |
| Average earning assets | $82,469,500 | 3,987 |
| Average equity | $18,412,500 | 3,022 |
| Average total loans | $77,548,000 | 3,488 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 2,529 |
| Cost of funding earning assets | 0.5204% | 1,264 |
| Net interest margin | 3.1769% | 2,938 |
| Noninterest income to average assets | -0.0200% | 4,692 |
| Noninterest expense to average assets | 1.6464% | 4,252 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1130% | 2,116 |
| Return on assets (ROA) | 1.1130% | 2,052 |
| Pretax return on assets | 1.3380% | 1,967 |
| Return on Equity (ROE) | 5.0300% | 4,019 |
| Retained earnings to average equity (ytd only) | 0.4792% | 4,277 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.2779% | 3,775 |
| Assets per employee ($millions) | 9.0223% | 911 |
| Cash dividends to net income (ytd only)* | 90.4813% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 4,150 |
| Loan loss allowance to noncurrent loans | 37.0979% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.8116% | 146 |
| Noncurrent loans to loans | 2.0026% | 283 |
| Net loans and leases to total assets | 89.1800% | 46 |
| Net loans and leases to deposits | 160.7642% | 12 |
| Net loans and leases to core deposits | 173.0919% | 48 |
| Total domestic deposits to total assets | 55.4700% | 4,598 |
| Equity capital to assets | 23.1906% | 170 |
| Core capital (leverage) ratio | 23.2137% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $84,003,600 | 4,080 |
| Average earning assets | $80,708,400 | 4,027 |
| Average equity | $18,571,800 | 3,070 |
| Average total loans | $73,738,800 | 3,508 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5476% | 2,470 |
| Cost of funding earning assets | 0.5017% | 750 |
| Net interest margin | 3.0460% | 3,096 |
| Noninterest income to average assets | -0.0300% | 4,727 |
| Noninterest expense to average assets | 1.5851% | 4,317 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9665% | 2,607 |
| Return on assets (ROA) | 0.9665% | 2,580 |
| Pretax return on assets | 1.2498% | 2,207 |
| Return on Equity (ROE) | 4.4200% | 4,088 |
| Retained earnings to average equity (ytd only) | -1.6714% | 4,472 |
| Net charge-offs to loans | 0.0234% | 1,362 |
| Credit loss provision to net charge-offs | 315.3846% | 788 |
| Earnings coverage of net charge-offs (x) | 64.2308% | 1,139 |
| Efficiency ratio | 54.6688% | 3,759 |
| Assets per employee ($millions) | 9.1293% | 852 |
| Cash dividends to net income (ytd only)* | 137.7850% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 4,227 |
| Loan loss allowance to noncurrent loans | 38.1124% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.7015% | 184 |
| Noncurrent loans to loans | 1.8762% | 327 |
| Net loans and leases to total assets | 89.4000% | 37 |
| Net loans and leases to deposits | 154.3336% | 12 |
| Net loans and leases to core deposits | 162.2603% | 43 |
| Total domestic deposits to total assets | 57.9200% | 4,630 |
| Equity capital to assets | 22.4746% | 168 |
| Core capital (leverage) ratio | 22.5627% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $84,704,250 | 4,107 |
| Average earning assets | $81,329,000 | 4,054 |
| Average equity | $18,507,000 | 3,112 |
| Average total loans | $73,934,750 | 3,518 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4113% | 2,396 |
| Cost of funding earning assets | 0.5002% | 519 |
| Net interest margin | 2.9111% | 3,134 |
| Noninterest income to average assets | -0.0608% | 4,754 |
| Noninterest expense to average assets | 1.5289% | 4,387 |
| Loan and lease loss provision to assets | 0.0304% | 2,047 |
| Net operating income to assets | 0.9188% | 2,500 |
| Return on assets (ROA) | 0.9188% | 2,466 |
| Pretax return on assets | 1.1689% | 2,175 |
| Return on Equity (ROE) | 4.2439% | 3,977 |
| Retained earnings to average equity (ytd only) | -4.8918% | 4,536 |
| Net charge-offs to loans | 0.0352% | 1,035 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 39.4615% | 1,265 |
| Efficiency ratio | 56.0411% | 3,766 |
| Assets per employee ($millions) | 9.3401% | 796 |
| Cash dividends to net income (ytd only)* | 215.2672% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6893% | 4,346 |
| Loan loss allowance to noncurrent loans | 30.3085% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.9783% | 142 |
| Noncurrent loans to loans | 2.2744% | 270 |
| Net loans and leases to total assets | 85.8650% | 91 |
| Net loans and leases to deposits | 149.6155% | 8 |
| Net loans and leases to core deposits | 157.1774% | 42 |
| Total domestic deposits to total assets | 57.3905% | 4,702 |
| Equity capital to assets | 21.9246% | 131 |
| Core capital (leverage) ratio | 22.0420% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,551,000 | 4,133 |
| Average earning assets | $81,962,333 | 4,099 |
| Average equity | $18,520,667 | 3,185 |
| Average total loans | $73,919,333 | 3,553 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 2,184 |
| Cost of funding earning assets | 0.5033% | 481 |
| Net interest margin | 2.8650% | 2,938 |
| Noninterest income to average assets | 0.0046% | 4,750 |
| Noninterest expense to average assets | 1.5389% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9919% | 1,908 |
| Return on assets (ROA) | 0.9919% | 1,905 |
| Pretax return on assets | 1.2098% | 1,773 |
| Return on Equity (ROE) | 4.6106% | 3,727 |
| Retained earnings to average equity (ytd only) | -13.6163% | 4,627 |
| Net charge-offs to loans | 0.0698% | 646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 20.0769% | 1,279 |
| Efficiency ratio | 55.9865% | 3,881 |
| Assets per employee ($millions) | 9.2936% | 828 |
| Cash dividends to net income (ytd only)* | 395.3271% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6700% | 4,434 |
| Loan loss allowance to noncurrent loans | 28.7397% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 130 |
| Noncurrent loans to loans | 2.3312% | 276 |
| Net loans and leases to total assets | 86.4984% | 49 |
| Net loans and leases to deposits | 147.6751% | 7 |
| Net loans and leases to core deposits | 155.0059% | 39 |
| Total domestic deposits to total assets | 58.5734% | 4,733 |
| Equity capital to assets | 21.8192% | 122 |
| Core capital (leverage) ratio | 21.1481% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,296,000 | 4,143 |
| Average earning assets | $82,652,500 | 4,103 |
| Average equity | $18,566,000 | 3,277 |
| Average total loans | $74,539,000 | 3,547 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 2,238 |
| Cost of funding earning assets | 0.5186% | 856 |
| Net interest margin | 3.1363% | 2,776 |
| Noninterest income to average assets | -0.0011% | 4,818 |
| Noninterest expense to average assets | 1.7042% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9448% | 2,886 |
| Return on assets (ROA) | 0.9448% | 2,958 |
| Pretax return on assets | 1.3000% | 2,362 |
| Return on Equity (ROE) | 4.5692% | 4,091 |
| Retained earnings to average equity (ytd only) | 1.3826% | 4,151 |
| Net charge-offs to loans | 0.0198% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 72.7500% | 1,054 |
| Efficiency ratio | 56.7286% | 3,614 |
| Assets per employee ($millions) | 9.8833% | 689 |
| Cash dividends to net income (ytd only)* | 69.7400% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6571% | 4,486 |
| Loan loss allowance to noncurrent loans | 23.1623% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.4890% | 105 |
| Noncurrent loans to loans | 2.8371% | 215 |
| Net loans and leases to total assets | 85.1490% | 80 |
| Net loans and leases to deposits | 156.9513% | 6 |
| Net loans and leases to core deposits | 164.8636% | 37 |
| Total domestic deposits to total assets | 54.2518% | 4,786 |
| Equity capital to assets | 21.2277% | 146 |
| Core capital (leverage) ratio | 21.3041% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,541,600 | 4,103 |
| Average earning assets | $85,800,400 | 4,063 |
| Average equity | $18,515,200 | 3,346 |
| Average total loans | $80,879,600 | 3,468 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 2,192 |
| Cost of funding earning assets | 0.5245% | 931 |
| Net interest margin | 3.2076% | 2,707 |
| Noninterest income to average assets | -0.0089% | 4,893 |
| Noninterest expense to average assets | 1.8329% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8384% | 3,421 |
| Return on assets (ROA) | 0.8384% | 3,482 |
| Pretax return on assets | 1.2309% | 2,833 |
| Return on Equity (ROE) | 4.0816% | 4,289 |
| Retained earnings to average equity (ytd only) | -0.1882% | 4,583 |
| Net charge-offs to loans | 0.0130% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 857 |
| Efficiency ratio | 59.8253% | 3,001 |
| Assets per employee ($millions) | 9.8187% | 673 |
| Cash dividends to net income (ytd only)* | 104.6099% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6488% | 4,574 |
| Loan loss allowance to noncurrent loans | 20.7163% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.8381% | 95 |
| Noncurrent loans to loans | 3.1321% | 204 |
| Net loans and leases to total assets | 88.1971% | 35 |
| Net loans and leases to deposits | 162.9922% | 9 |
| Net loans and leases to core deposits | 170.5763% | 44 |
| Total domestic deposits to total assets | 54.1112% | 4,853 |
| Equity capital to assets | 21.0042% | 158 |
| Core capital (leverage) ratio | 20.7205% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,689,500 | 4,154 |
| Average earning assets | $85,920,000 | 4,111 |
| Average equity | $18,423,500 | 3,393 |
| Average total loans | $82,039,250 | 3,486 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 2,306 |
| Cost of funding earning assets | 0.5288% | 1,042 |
| Net interest margin | 3.1795% | 2,813 |
| Noninterest income to average assets | -0.0155% | 4,932 |
| Noninterest expense to average assets | 1.8218% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8410% | 3,393 |
| Return on assets (ROA) | 0.8410% | 3,467 |
| Pretax return on assets | 1.2049% | 2,893 |
| Return on Equity (ROE) | 4.1246% | 4,312 |
| Retained earnings to average equity (ytd only) | -2.2963% | 4,686 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1906% | 2,994 |
| Assets per employee ($millions) | 9.0787% | 837 |
| Cash dividends to net income (ytd only)* | 155.6728% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 4,643 |
| Loan loss allowance to noncurrent loans | 23.1423% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.5169% | 136 |
| Noncurrent loans to loans | 2.6519% | 298 |
| Net loans and leases to total assets | 92.2214% | 8 |
| Net loans and leases to deposits | 172.5257% | 11 |
| Net loans and leases to core deposits | 179.4517% | 42 |
| Total domestic deposits to total assets | 53.4537% | 4,891 |
| Equity capital to assets | 20.2408% | 179 |
| Core capital (leverage) ratio | 20.9370% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,130,000 | 4,171 |
| Average earning assets | $86,240,000 | 4,132 |
| Average equity | $18,377,667 | 3,394 |
| Average total loans | $83,236,667 | 3,494 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 2,327 |
| Cost of funding earning assets | 0.5495% | 1,106 |
| Net interest margin | 3.1666% | 2,795 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 1.8797% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7795% | 3,485 |
| Return on assets (ROA) | 0.7795% | 3,552 |
| Pretax return on assets | 1.1492% | 2,990 |
| Return on Equity (ROE) | 3.8088% | 4,323 |
| Retained earnings to average equity (ytd only) | -9.0323% | 4,800 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0588% | 2,750 |
| Assets per employee ($millions) | 9.9182% | 609 |
| Cash dividends to net income (ytd only)* | 337.1429% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 4,662 |
| Loan loss allowance to noncurrent loans | 21.5058% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.8511% | 117 |
| Noncurrent loans to loans | 2.9085% | 276 |
| Net loans and leases to total assets | 92.0147% | 9 |
| Net loans and leases to deposits | 170.3324% | 12 |
| Net loans and leases to core deposits | 177.2082% | 52 |
| Total domestic deposits to total assets | 54.0207% | 4,914 |
| Equity capital to assets | 20.3565% | 174 |
| Core capital (leverage) ratio | 20.4486% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,801,500 | 4,191 |
| Average earning assets | $85,897,500 | 4,146 |
| Average equity | $18,378,500 | 3,388 |
| Average total loans | $82,734,000 | 3,514 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 2,894 |
| Cost of funding earning assets | 0.8152% | 1,146 |
| Net interest margin | 3.1290% | 3,554 |
| Noninterest income to average assets | -0.0304% | 4,975 |
| Noninterest expense to average assets | 2.0648% | 4,011 |
| Loan and lease loss provision to assets | 0.0129% | 4,209 |
| Net operating income to assets | 0.6801% | 3,493 |
| Return on assets (ROA) | 0.6801% | 3,622 |
| Pretax return on assets | 0.8615% | 3,469 |
| Return on Equity (ROE) | 3.1601% | 4,339 |
| Retained earnings to average equity (ytd only) | -0.1414% | 4,541 |
| Net charge-offs to loans | 0.0307% | 2,418 |
| Credit loss provision to net charge-offs | 45.8333% | 3,164 |
| Earnings coverage of net charge-offs (x) | 31.1250% | 1,578 |
| Efficiency ratio | 70.2509% | 1,918 |
| Assets per employee ($millions) | 10.0377% | 527 |
| Cash dividends to net income (ytd only)* | 104.4750% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 4,697 |
| Loan loss allowance to noncurrent loans | 20.2586% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 3.0065% | 122 |
| Noncurrent loans to loans | 3.0816% | 272 |
| Net loans and leases to total assets | 91.0991% | 18 |
| Net loans and leases to deposits | 173.5805% | 12 |
| Net loans and leases to core deposits | 182.7342% | 52 |
| Total domestic deposits to total assets | 52.4823% | 4,939 |
| Equity capital to assets | 20.5637% | 175 |
| Core capital (leverage) ratio | 21.4944% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,430,800 | 4,183 |
| Average earning assets | $81,079,600 | 4,149 |
| Average equity | $18,385,400 | 3,335 |
| Average total loans | $78,182,800 | 3,590 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 2,924 |
| Cost of funding earning assets | 0.8983% | 1,077 |
| Net interest margin | 3.1180% | 3,694 |
| Noninterest income to average assets | 0.0174% | 4,956 |
| Noninterest expense to average assets | 2.0822% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6983% | 3,465 |
| Return on assets (ROA) | 0.6983% | 3,566 |
| Pretax return on assets | 0.8867% | 3,414 |
| Return on Equity (ROE) | 3.2065% | 4,348 |
| Retained earnings to average equity (ytd only) | -1.2070% | 4,633 |
| Net charge-offs to loans | 0.0017% | 3,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 560.0000% | 214 |
| Efficiency ratio | 70.1333% | 1,866 |
| Assets per employee ($millions) | 9.7416% | 555 |
| Cash dividends to net income (ytd only)* | 137.6417% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 4,646 |
| Loan loss allowance to noncurrent loans | 17.2819% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 4.2658% | 75 |
| Noncurrent loans to loans | 3.8113% | 181 |
| Net loans and leases to total assets | 91.0008% | 26 |
| Net loans and leases to deposits | 167.4762% | 15 |
| Net loans and leases to core deposits | 176.7361% | 56 |
| Total domestic deposits to total assets | 54.3365% | 4,963 |
| Equity capital to assets | 21.0039% | 176 |
| Core capital (leverage) ratio | 21.9419% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,203,750 | 4,198 |
| Average earning assets | $79,708,250 | 4,171 |
| Average equity | $18,337,500 | 3,338 |
| Average total loans | $77,024,750 | 3,627 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 3,005 |
| Cost of funding earning assets | 0.9926% | 1,005 |
| Net interest margin | 3.1254% | 3,845 |
| Noninterest income to average assets | -0.0048% | 5,032 |
| Noninterest expense to average assets | 2.0976% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6791% | 3,468 |
| Return on assets (ROA) | 0.6791% | 3,575 |
| Pretax return on assets | 0.8549% | 3,445 |
| Return on Equity (ROE) | 3.0800% | 4,330 |
| Retained earnings to average equity (ytd only) | -3.5496% | 4,694 |
| Net charge-offs to loans | 0.0026% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 291 |
| Efficiency ratio | 71.0440% | 1,819 |
| Assets per employee ($millions) | 9.1172% | 660 |
| Cash dividends to net income (ytd only)* | 215.2482% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 4,543 |
| Loan loss allowance to noncurrent loans | 15.7816% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 4.8650% | 57 |
| Noncurrent loans to loans | 4.4933% | 135 |
| Net loans and leases to total assets | 90.2699% | 26 |
| Net loans and leases to deposits | 154.5367% | 19 |
| Net loans and leases to core deposits | 161.2342% | 77 |
| Total domestic deposits to total assets | 58.4133% | 4,974 |
| Equity capital to assets | 22.2485% | 140 |
| Core capital (leverage) ratio | 21.9044% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,047,000 | 4,219 |
| Average earning assets | $78,582,000 | 4,189 |
| Average equity | $18,311,667 | 3,334 |
| Average total loans | $75,928,667 | 3,650 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 3,353 |
| Cost of funding earning assets | 1.0622% | 1,175 |
| Net interest margin | 3.0955% | 4,108 |
| Noninterest income to average assets | -0.0144% | 5,077 |
| Noninterest expense to average assets | 2.1594% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5985% | 3,598 |
| Return on assets (ROA) | 0.5985% | 3,657 |
| Pretax return on assets | 0.7565% | 3,531 |
| Return on Equity (ROE) | 2.7264% | 4,283 |
| Retained earnings to average equity (ytd only) | -10.5128% | 4,783 |
| Net charge-offs to loans | 0.0052% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 413 |
| Efficiency ratio | 74.0558% | 1,806 |
| Assets per employee ($millions) | 9.3143% | 474 |
| Cash dividends to net income (ytd only)* | 485.6000% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 4,628 |
| Loan loss allowance to noncurrent loans | 16.2519% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 4.6428% | 76 |
| Noncurrent loans to loans | 4.2366% | 170 |
| Net loans and leases to total assets | 91.0210% | 18 |
| Net loans and leases to deposits | 159.3443% | 7 |
| Net loans and leases to core deposits | 166.2353% | 69 |
| Total domestic deposits to total assets | 57.1222% | 5,041 |
| Equity capital to assets | 21.5904% | 185 |
| Core capital (leverage) ratio | 21.8521% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,543,000 | 4,217 |
| Average earning assets | $79,081,500 | 4,188 |
| Average equity | $18,339,500 | 3,343 |
| Average total loans | $76,593,000 | 3,633 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 3,485 |
| Cost of funding earning assets | 1.1335% | 1,214 |
| Net interest margin | 3.1858% | 4,215 |
| Noninterest income to average assets | -0.0109% | 5,143 |
| Noninterest expense to average assets | 2.0659% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7376% | 3,741 |
| Return on assets (ROA) | 0.7376% | 3,813 |
| Pretax return on assets | 0.9321% | 3,644 |
| Return on Equity (ROE) | 3.2944% | 4,609 |
| Retained earnings to average equity (ytd only) | -0.7273% | 4,783 |
| Net charge-offs to loans | 0.0721% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 14.2037% | 2,299 |
| Efficiency ratio | 68.9096% | 2,325 |
| Assets per employee ($millions) | 9.2508% | 460 |
| Cash dividends to net income (ytd only)* | 122.0758% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,588 |
| Loan loss allowance to noncurrent loans | 15.6020% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 4.8368% | 69 |
| Noncurrent loans to loans | 4.4490% | 130 |
| Net loans and leases to total assets | 91.0734% | 29 |
| Net loans and leases to deposits | 163.3631% | 9 |
| Net loans and leases to core deposits | 168.7325% | 68 |
| Total domestic deposits to total assets | 55.7491% | 5,109 |
| Equity capital to assets | 22.3164% | 172 |
| Core capital (leverage) ratio | 22.4261% | 165 |
| Tier 1 risk-based capital ratio | 38.8086% | 258 |
| Total risk-based capital ratio | 39.9156% | 256 |
| Memoranda: | ||
| Average total assets | $82,288,800 | 4,253 |
| Average earning assets | $77,720,800 | 4,217 |
| Average equity | $18,425,200 | 3,291 |
| Average total loans | $74,946,600 | 3,681 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 3,482 |
| Cost of funding earning assets | 1.1429% | 1,200 |
| Net interest margin | 3.2170% | 4,262 |
| Noninterest income to average assets | 0.0049% | 5,199 |
| Noninterest expense to average assets | 2.0427% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7914% | 3,697 |
| Return on assets (ROA) | 0.7914% | 3,773 |
| Pretax return on assets | 0.9994% | 3,602 |
| Return on Equity (ROE) | 3.5315% | 4,671 |
| Retained earnings to average equity (ytd only) | -1.8419% | 4,915 |
| Net charge-offs to loans | 0.0965% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 11.3886% | 2,446 |
| Efficiency ratio | 67.1474% | 2,559 |
| Assets per employee ($millions) | 9.2121% | 443 |
| Cash dividends to net income (ytd only)* | 152.1561% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 4,646 |
| Loan loss allowance to noncurrent loans | 16.0412% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 4.8004% | 79 |
| Noncurrent loans to loans | 4.3803% | 140 |
| Net loans and leases to total assets | 90.3388% | 44 |
| Net loans and leases to deposits | 159.4342% | 12 |
| Net loans and leases to core deposits | 166.4570% | 76 |
| Total domestic deposits to total assets | 56.6621% | 5,178 |
| Equity capital to assets | 22.2376% | 176 |
| Core capital (leverage) ratio | 22.0911% | 176 |
| Tier 1 risk-based capital ratio | 39.8595% | 247 |
| Total risk-based capital ratio | 41.0053% | 248 |
| Memoranda: | ||
| Average total assets | $82,046,750 | 4,310 |
| Average earning assets | $77,461,750 | 4,274 |
| Average equity | $18,386,500 | 3,313 |
| Average total loans | $74,594,500 | 3,730 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 3,501 |
| Cost of funding earning assets | 1.1150% | 1,242 |
| Net interest margin | 3.2310% | 4,288 |
| Noninterest income to average assets | 0.0073% | 5,242 |
| Noninterest expense to average assets | 2.0524% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7950% | 3,673 |
| Return on assets (ROA) | 0.7950% | 3,735 |
| Pretax return on assets | 1.0029% | 3,531 |
| Return on Equity (ROE) | 3.5384% | 4,679 |
| Retained earnings to average equity (ytd only) | -4.5292% | 5,040 |
| Net charge-offs to loans | 0.1157% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.5349% | 2,332 |
| Efficiency ratio | 67.1737% | 2,662 |
| Assets per employee ($millions) | 9.5794% | 385 |
| Cash dividends to net income (ytd only)* | 228.0000% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 4,725 |
| Loan loss allowance to noncurrent loans | 16.7596% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 4.4389% | 91 |
| Noncurrent loans to loans | 4.1503% | 169 |
| Net loans and leases to total assets | 89.5853% | 61 |
| Net loans and leases to deposits | 160.3738% | 11 |
| Net loans and leases to core deposits | 167.2318% | 77 |
| Total domestic deposits to total assets | 55.8603% | 5,233 |
| Equity capital to assets | 21.1970% | 202 |
| Core capital (leverage) ratio | 22.2537% | 165 |
| Tier 1 risk-based capital ratio | 38.4478% | 262 |
| Total risk-based capital ratio | 39.5860% | 256 |
| Memoranda: | ||
| Average total assets | $81,759,330 | 4,351 |
| Average earning assets | $77,128,670 | 4,307 |
| Average equity | $18,369,670 | 3,308 |
| Average total loans | $74,316,330 | 3,760 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 2,704 |
| Cost of funding earning assets | 1.0940% | 1,203 |
| Net interest margin | 3.4528% | 3,741 |
| Noninterest income to average assets | 0.0704% | 5,162 |
| Noninterest expense to average assets | 2.0671% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9958% | 2,862 |
| Return on assets (ROA) | 0.9958% | 2,899 |
| Pretax return on assets | 1.2574% | 2,600 |
| Return on Equity (ROE) | 4.3004% | 4,512 |
| Retained earnings to average equity (ytd only) | -11.7935% | 5,153 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1785% | 3,507 |
| Assets per employee ($millions) | 10.0736% | 335 |
| Cash dividends to net income (ytd only)* | 374.2424% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 4,535 |
| Loan loss allowance to noncurrent loans | 22.2391% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 4.0254% | 112 |
| Noncurrent loans to loans | 3.5780% | 250 |
| Net loans and leases to total assets | 90.3448% | 43 |
| Net loans and leases to deposits | 152.0667% | 12 |
| Net loans and leases to core deposits | 157.7194% | 99 |
| Total domestic deposits to total assets | 59.4113% | 5,280 |
| Equity capital to assets | 22.5167% | 160 |
| Core capital (leverage) ratio | 22.7459% | 158 |
| Tier 1 risk-based capital ratio | 40.7546% | 224 |
| Total risk-based capital ratio | 42.0034% | 221 |
| Memoranda: | ||
| Average total assets | $79,531,500 | 4,422 |
| Average earning assets | $74,954,000 | 4,391 |
| Average equity | $18,417,000 | 3,320 |
| Average total loans | $72,586,000 | 3,826 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 3,212 |
| Cost of funding earning assets | 0.8450% | 1,334 |
| Net interest margin | 3.4262% | 3,921 |
| Noninterest income to average assets | -0.0712% | 5,371 |
| Noninterest expense to average assets | 2.6148% | 3,291 |
| Loan and lease loss provision to assets | 0.1900% | 1,008 |
| Net operating income to assets | 0.3061% | 5,000 |
| Return on assets (ROA) | 0.3061% | 4,993 |
| Pretax return on assets | 0.3496% | 5,003 |
| Return on Equity (ROE) | 1.2620% | 5,134 |
| Retained earnings to average equity (ytd only) | 1.2620% | 4,628 |
| Net charge-offs to loans | 0.2457% | 789 |
| Credit loss provision to net charge-offs | 85.2071% | 2,782 |
| Earnings coverage of net charge-offs (x) | 2.4201% | 3,520 |
| Efficiency ratio | 82.8942% | 715 |
| Assets per employee ($millions) | 7.8474% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,488 |
| Loan loss allowance to noncurrent loans | 19.9590% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 4.5340% | 81 |
| Noncurrent loans to loans | 4.0763% | 180 |
| Net loans and leases to total assets | 90.7256% | 49 |
| Net loans and leases to deposits | 151.8686% | 13 |
| Net loans and leases to core deposits | 157.6179% | 103 |
| Total domestic deposits to total assets | 59.7395% | 5,321 |
| Equity capital to assets | 23.8143% | 129 |
| Core capital (leverage) ratio | 24.1039% | 127 |
| Tier 1 risk-based capital ratio | 42.3803% | 201 |
| Total risk-based capital ratio | 43.6298% | 198 |
| Memoranda: | ||
| Average total assets | $75,798,000 | 4,504 |
| Average earning assets | $71,362,000 | 4,473 |
| Average equity | $18,382,800 | 3,257 |
| Average total loans | $68,778,600 | 3,894 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 3,030 |
| Cost of funding earning assets | 0.7934% | 1,374 |
| Net interest margin | 3.4884% | 3,734 |
| Noninterest income to average assets | -0.0390% | 5,446 |
| Noninterest expense to average assets | 2.6851% | 3,014 |
| Loan and lease loss provision to assets | 0.2556% | 612 |
| Net operating income to assets | 0.2822% | 5,111 |
| Return on assets (ROA) | 0.2822% | 5,104 |
| Pretax return on assets | 0.3052% | 5,134 |
| Return on Equity (ROE) | 1.1580% | 5,214 |
| Retained earnings to average equity (ytd only) | 1.1580% | 4,812 |
| Net charge-offs to loans | 0.2764% | 604 |
| Credit loss provision to net charge-offs | 102.1277% | 2,228 |
| Earnings coverage of net charge-offs (x) | 2.2411% | 3,265 |
| Efficiency ratio | 82.7228% | 727 |
| Assets per employee ($millions) | 6.4082% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,358 |
| Loan loss allowance to noncurrent loans | 19.9413% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 4.8116% | 93 |
| Noncurrent loans to loans | 4.3904% | 171 |
| Net loans and leases to total assets | 90.1064% | 71 |
| Net loans and leases to deposits | 151.2453% | 12 |
| Net loans and leases to core deposits | 155.3344% | 105 |
| Total domestic deposits to total assets | 59.5763% | 5,397 |
| Equity capital to assets | 24.1697% | 124 |
| Core capital (leverage) ratio | 24.3837% | 119 |
| Tier 1 risk-based capital ratio | 43.7215% | 180 |
| Total risk-based capital ratio | 44.9729% | 178 |
| Memoranda: | ||
| Average total assets | $75,129,000 | 4,558 |
| Average earning assets | $70,747,000 | 4,528 |
| Average equity | $18,306,500 | 3,279 |
| Average total loans | $68,028,250 | 3,948 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,783 |
| Cost of funding earning assets | 0.7526% | 1,358 |
| Net interest margin | 3.5406% | 3,501 |
| Noninterest income to average assets | -0.0483% | 5,513 |
| Noninterest expense to average assets | 2.8388% | 2,543 |
| Loan and lease loss provision to assets | 0.3864% | 322 |
| Net operating income to assets | 0.1100% | 5,286 |
| Return on assets (ROA) | 0.1100% | 5,278 |
| Pretax return on assets | 0.0590% | 5,308 |
| Return on Equity (ROE) | 0.4502% | 5,307 |
| Retained earnings to average equity (ytd only) | 0.4502% | 4,876 |
| Net charge-offs to loans | 0.4065% | 383 |
| Credit loss provision to net charge-offs | 105.1095% | 1,948 |
| Earnings coverage of net charge-offs (x) | 1.2117% | 3,081 |
| Efficiency ratio | 86.4379% | 551 |
| Assets per employee ($millions) | 6.2790% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,324 |
| Loan loss allowance to noncurrent loans | 20.3906% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 4.8522% | 98 |
| Noncurrent loans to loans | 4.4306% | 180 |
| Net loans and leases to total assets | 89.6759% | 80 |
| Net loans and leases to deposits | 143.8495% | 15 |
| Net loans and leases to core deposits | 149.2644% | 127 |
| Total domestic deposits to total assets | 62.3401% | 5,433 |
| Equity capital to assets | 24.1825% | 122 |
| Core capital (leverage) ratio | 24.3281% | 119 |
| Tier 1 risk-based capital ratio | 43.5451% | 189 |
| Total risk-based capital ratio | 44.7973% | 187 |
| Memoranda: | ||
| Average total assets | $74,539,330 | 4,618 |
| Average earning assets | $70,157,000 | 4,588 |
| Average equity | $18,213,330 | 3,310 |
| Average total loans | $67,403,670 | 3,989 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,563 |
| Cost of funding earning assets | 0.7225% | 1,332 |
| Net interest margin | 3.5668% | 3,294 |
| Noninterest income to average assets | -0.0432% | 5,583 |
| Noninterest expense to average assets | 2.4820% | 3,704 |
| Loan and lease loss provision to assets | 0.4262% | 255 |
| Net operating income to assets | 0.3345% | 5,042 |
| Return on assets (ROA) | 0.3345% | 5,046 |
| Pretax return on assets | 0.4047% | 5,031 |
| Return on Equity (ROE) | 1.3619% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.3619% | 4,525 |
| Net charge-offs to loans | 0.5014% | 303 |
| Credit loss provision to net charge-offs | 94.0476% | 1,641 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 2,515 |
| Efficiency ratio | 74.9186% | 1,758 |
| Assets per employee ($millions) | 5.7804% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,493 |
| Loan loss allowance to noncurrent loans | 23.3927% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 4.3755% | 129 |
| Noncurrent loans to loans | 3.8000% | 270 |
| Net loans and leases to total assets | 89.6187% | 73 |
| Net loans and leases to deposits | 142.8444% | 17 |
| Net loans and leases to core deposits | 148.1977% | 140 |
| Total domestic deposits to total assets | 62.7387% | 5,499 |
| Equity capital to assets | 24.2744% | 114 |
| Core capital (leverage) ratio | 24.5544% | 111 |
| Tier 1 risk-based capital ratio | 44.1222% | 184 |
| Total risk-based capital ratio | 45.3727% | 182 |
| Memoranda: | ||
| Average total assets | $74,135,000 | 4,675 |
| Average earning assets | $69,753,500 | 4,644 |
| Average equity | $18,209,500 | 3,336 |
| Average total loans | $67,013,000 | 4,034 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,242 |
| Cost of funding earning assets | 0.6526% | 1,280 |
| Net interest margin | 3.6743% | 2,897 |
| Noninterest income to average assets | -0.1322% | 5,647 |
| Noninterest expense to average assets | 2.5026% | 3,774 |
| Loan and lease loss provision to assets | 0.2232% | 884 |
| Net operating income to assets | 0.4081% | 4,663 |
| Return on assets (ROA) | 0.4081% | 4,686 |
| Pretax return on assets | 0.5844% | 4,775 |
| Return on Equity (ROE) | 1.5893% | 5,141 |
| Retained earnings to average equity (ytd only) | 0.8528% | 4,691 |
| Net charge-offs to loans | 0.1425% | 1,648 |
| Credit loss provision to net charge-offs | 180.4598% | 1,503 |
| Earnings coverage of net charge-offs (x) | 6.5287% | 3,169 |
| Efficiency ratio | 75.6014% | 1,680 |
| Assets per employee ($millions) | 6.0938% | 1,458 |
| Cash dividends to net income (ytd only)* | 46.3415% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 4,365 |
| Loan loss allowance to noncurrent loans | 21.0363% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 4.9162% | 97 |
| Noncurrent loans to loans | 4.3812% | 195 |
| Net loans and leases to total assets | 89.5303% | 92 |
| Net loans and leases to deposits | 138.6438% | 24 |
| Net loans and leases to core deposits | 143.8279% | 178 |
| Total domestic deposits to total assets | 64.5757% | 5,544 |
| Equity capital to assets | 24.8588% | 100 |
| Core capital (leverage) ratio | 25.1923% | 95 |
| Tier 1 risk-based capital ratio | 44.6886% | 161 |
| Total risk-based capital ratio | 45.9400% | 158 |
| Memoranda: | ||
| Average total assets | $70,327,200 | 4,771 |
| Average earning assets | $65,889,400 | 4,744 |
| Average equity | $18,058,800 | 3,356 |
| Average total loans | $61,040,200 | 4,179 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 2,231 |
| Cost of funding earning assets | 0.6465% | 1,263 |
| Net interest margin | 3.6664% | 2,883 |
| Noninterest income to average assets | -0.2030% | 5,722 |
| Noninterest expense to average assets | 2.5047% | 3,715 |
| Loan and lease loss provision to assets | 0.2949% | 532 |
| Net operating income to assets | 0.2834% | 5,248 |
| Return on assets (ROA) | 0.2834% | 5,266 |
| Pretax return on assets | 0.4289% | 5,139 |
| Return on Equity (ROE) | 1.0945% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.0945% | 4,950 |
| Net charge-offs to loans | 0.1606% | 1,277 |
| Credit loss provision to net charge-offs | 213.8889% | 1,284 |
| Earnings coverage of net charge-offs (x) | 5.2499% | 3,131 |
| Efficiency ratio | 77.5801% | 1,386 |
| Assets per employee ($millions) | 5.9337% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,140 |
| Loan loss allowance to noncurrent loans | 22.5245% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 4.7160% | 121 |
| Noncurrent loans to loans | 4.3803% | 209 |
| Net loans and leases to total assets | 87.5232% | 173 |
| Net loans and leases to deposits | 134.6470% | 30 |
| Net loans and leases to core deposits | 138.8468% | 214 |
| Total domestic deposits to total assets | 65.0020% | 5,609 |
| Equity capital to assets | 25.4761% | 95 |
| Core capital (leverage) ratio | 25.6842% | 91 |
| Tier 1 risk-based capital ratio | 46.4699% | 151 |
| Total risk-based capital ratio | 47.7226% | 151 |
| Memoranda: | ||
| Average total assets | $69,627,750 | 4,832 |
| Average earning assets | $65,166,000 | 4,807 |
| Average equity | $18,029,000 | 3,386 |
| Average total loans | $59,780,750 | 4,248 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,342 |
| Cost of funding earning assets | 0.6301% | 1,265 |
| Net interest margin | 3.6048% | 3,016 |
| Noninterest income to average assets | -0.3473% | 5,773 |
| Noninterest expense to average assets | 2.4775% | 3,822 |
| Loan and lease loss provision to assets | 0.4457% | 274 |
| Net operating income to assets | 0.0695% | 5,517 |
| Return on assets (ROA) | 0.0695% | 5,523 |
| Pretax return on assets | 0.1071% | 5,504 |
| Return on Equity (ROE) | 0.2668% | 5,539 |
| Retained earnings to average equity (ytd only) | 0.2668% | 5,017 |
| Net charge-offs to loans | 0.3167% | 645 |
| Credit loss provision to net charge-offs | 165.5914% | 1,431 |
| Earnings coverage of net charge-offs (x) | 2.0538% | 3,213 |
| Efficiency ratio | 81.7574% | 1,029 |
| Assets per employee ($millions) | 5.8589% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,406 |
| Loan loss allowance to noncurrent loans | 21.8103% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 4.0337% | 168 |
| Noncurrent loans to loans | 4.3674% | 194 |
| Net loans and leases to total assets | 88.7380% | 118 |
| Net loans and leases to deposits | 135.6194% | 33 |
| Net loans and leases to core deposits | 139.8731% | 186 |
| Total domestic deposits to total assets | 65.4316% | 5,643 |
| Equity capital to assets | 25.6233% | 92 |
| Core capital (leverage) ratio | 26.6230% | 84 |
| Tier 1 risk-based capital ratio | 46.6807% | 151 |
| Total risk-based capital ratio | 47.9322% | 148 |
| Memoranda: | ||
| Average total assets | $69,102,330 | 4,877 |
| Average earning assets | $64,746,670 | 4,854 |
| Average equity | $17,992,000 | 3,394 |
| Average total loans | $58,727,330 | 4,294 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 1,892 |
| Cost of funding earning assets | 0.6303% | 1,187 |
| Net interest margin | 3.6942% | 2,497 |
| Noninterest income to average assets | -0.3328% | 5,847 |
| Noninterest expense to average assets | 2.4818% | 3,867 |
| Loan and lease loss provision to assets | 0.7825% | 127 |
| Net operating income to assets | -0.0934% | 5,644 |
| Return on assets (ROA) | -0.0934% | 5,650 |
| Pretax return on assets | -0.1401% | 5,657 |
| Return on Equity (ROE) | -0.3559% | 5,633 |
| Retained earnings to average equity (ytd only) | -0.3559% | 4,976 |
| Net charge-offs to loans | 0.6431% | 279 |
| Credit loss provision to net charge-offs | 147.2527% | 1,228 |
| Earnings coverage of net charge-offs (x) | 1.2088% | 2,750 |
| Efficiency ratio | 79.4393% | 1,436 |
| Assets per employee ($millions) | 5.5441% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,294 |
| Loan loss allowance to noncurrent loans | 22.6901% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 4.3124% | 162 |
| Noncurrent loans to loans | 4.4039% | 218 |
| Net loans and leases to total assets | 86.6720% | 176 |
| Net loans and leases to deposits | 126.0950% | 50 |
| Net loans and leases to core deposits | 128.6208% | 282 |
| Total domestic deposits to total assets | 68.7354% | 5,663 |
| Equity capital to assets | 27.0153% | 80 |
| Core capital (leverage) ratio | 26.0505% | 89 |
| Tier 1 risk-based capital ratio | 49.2924% | 134 |
| Total risk-based capital ratio | 50.5458% | 132 |
| Memoranda: | ||
| Average total assets | $68,500,000 | 4,939 |
| Average earning assets | $64,100,000 | 4,916 |
| Average equity | $17,980,500 | 3,411 |
| Average total loans | $56,596,500 | 4,385 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 3,559 |
| Cost of funding earning assets | 0.6406% | 1,102 |
| Net interest margin | 3.2631% | 4,250 |
| Noninterest income to average assets | -0.0179% | 5,874 |
| Noninterest expense to average assets | 2.5779% | 3,749 |
| Loan and lease loss provision to assets | 0.0496% | 3,404 |
| Net operating income to assets | 0.2785% | 5,263 |
| Return on assets (ROA) | 0.2785% | 5,333 |
| Pretax return on assets | 0.4232% | 5,178 |
| Return on Equity (ROE) | 1.1368% | 5,546 |
| Retained earnings to average equity (ytd only) | 0.0900% | 5,277 |
| Net charge-offs to loans | 0.1703% | 1,598 |
| Credit loss provision to net charge-offs | 38.7097% | 3,507 |
| Earnings coverage of net charge-offs (x) | 3.6882% | 3,621 |
| Efficiency ratio | 84.5007% | 969 |
| Assets per employee ($millions) | 5.8726% | 1,564 |
| Cash dividends to net income (ytd only)* | 92.0792% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,432 |
| Loan loss allowance to noncurrent loans | 16.8385% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 4.8772% | 126 |
| Noncurrent loans to loans | 5.8254% | 111 |
| Net loans and leases to total assets | 77.2091% | 1,328 |
| Net loans and leases to deposits | 110.6547% | 210 |
| Net loans and leases to core deposits | 112.7108% | 745 |
| Total domestic deposits to total assets | 69.7748% | 5,674 |
| Equity capital to assets | 25.5254% | 93 |
| Core capital (leverage) ratio | 25.2996% | 94 |
| Tier 1 risk-based capital ratio | 50.8322% | 129 |
| Total risk-based capital ratio | 52.0841% | 129 |
| Memoranda: | ||
| Average total assets | $72,539,400 | 4,878 |
| Average earning assets | $68,217,000 | 4,846 |
| Average equity | $17,769,400 | 3,442 |
| Average total loans | $54,607,400 | 4,439 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,593 |
| Cost of funding earning assets | 0.6401% | 1,093 |
| Net interest margin | 3.2569% | 4,327 |
| Noninterest income to average assets | -0.0073% | 5,937 |
| Noninterest expense to average assets | 2.6335% | 3,557 |
| Loan and lease loss provision to assets | -0.0292% | 5,690 |
| Net operating income to assets | 0.2975% | 5,291 |
| Return on assets (ROA) | 0.2975% | 5,373 |
| Pretax return on assets | 0.4526% | 5,227 |
| Return on Equity (ROE) | 1.2268% | 5,618 |
| Retained earnings to average equity (ytd only) | 1.2268% | 5,017 |
| Net charge-offs to loans | 0.1174% | 1,776 |
| Credit loss provision to net charge-offs | -33.3333% | 4,658 |
| Earnings coverage of net charge-offs (x) | 4.8333% | 3,218 |
| Efficiency ratio | 86.1493% | 809 |
| Assets per employee ($millions) | 5.9477% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 4,420 |
| Loan loss allowance to noncurrent loans | 16.4046% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 4.6391% | 161 |
| Noncurrent loans to loans | 6.0881% | 111 |
| Net loans and leases to total assets | 73.8889% | 1,885 |
| Net loans and leases to deposits | 104.5976% | 425 |
| Net loans and leases to core deposits | 106.4879% | 1,150 |
| Total domestic deposits to total assets | 70.6411% | 5,658 |
| Equity capital to assets | 25.3699% | 100 |
| Core capital (leverage) ratio | 25.1546% | 97 |
| Tier 1 risk-based capital ratio | 50.6334% | 129 |
| Total risk-based capital ratio | 51.8861% | 128 |
| Memoranda: | ||
| Average total assets | $73,056,500 | 4,908 |
| Average earning assets | $68,734,500 | 4,872 |
| Average equity | $17,714,750 | 3,476 |
| Average total loans | $54,522,000 | 4,480 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 3,612 |
| Cost of funding earning assets | 0.6416% | 1,086 |
| Net interest margin | 3.2573% | 4,355 |
| Noninterest income to average assets | -0.0435% | 6,029 |
| Noninterest expense to average assets | 2.6868% | 3,436 |
| Loan and lease loss provision to assets | -0.0571% | 5,832 |
| Net operating income to assets | 0.2554% | 5,421 |
| Return on assets (ROA) | 0.2554% | 5,489 |
| Pretax return on assets | 0.3885% | 5,362 |
| Return on Equity (ROE) | 1.0692% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.0692% | 4,960 |
| Net charge-offs to loans | 0.0146% | 3,245 |
| Credit loss provision to net charge-offs | -525.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,377 |
| Efficiency ratio | 89.0189% | 654 |
| Assets per employee ($millions) | 5.1656% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 4,229 |
| Loan loss allowance to noncurrent loans | 19.5414% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 4.0405% | 218 |
| Noncurrent loans to loans | 5.3771% | 154 |
| Net loans and leases to total assets | 74.3535% | 1,765 |
| Net loans and leases to deposits | 104.4361% | 441 |
| Net loans and leases to core deposits | 106.2815% | 1,159 |
| Total domestic deposits to total assets | 71.1953% | 5,716 |
| Equity capital to assets | 24.9385% | 102 |
| Core capital (leverage) ratio | 24.6484% | 98 |
| Tier 1 risk-based capital ratio | 50.1446% | 131 |
| Total risk-based capital ratio | 51.3985% | 130 |
| Memoranda: | ||
| Average total assets | $73,618,000 | 4,941 |
| Average earning assets | $69,198,000 | 4,906 |
| Average equity | $17,584,000 | 3,503 |
| Average total loans | $54,940,000 | 4,506 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 3,615 |
| Cost of funding earning assets | 0.6469% | 1,073 |
| Net interest margin | 3.2458% | 4,410 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 2.8868% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1077% | 5,670 |
| Return on assets (ROA) | 0.1077% | 5,715 |
| Pretax return on assets | 0.1670% | 5,678 |
| Return on Equity (ROE) | 0.4609% | 5,775 |
| Retained earnings to average equity (ytd only) | 0.4609% | 5,002 |
| Net charge-offs to loans | -0.0362% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5326% | 431 |
| Assets per employee ($millions) | 5.2449% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 4,079 |
| Loan loss allowance to noncurrent loans | 20.7241% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 4.1660% | 234 |
| Noncurrent loans to loans | 5.2866% | 178 |
| Net loans and leases to total assets | 73.8887% | 1,744 |
| Net loans and leases to deposits | 102.9663% | 461 |
| Net loans and leases to core deposits | 104.7394% | 1,150 |
| Total domestic deposits to total assets | 71.7601% | 5,786 |
| Equity capital to assets | 24.4593% | 102 |
| Core capital (leverage) ratio | 24.3275% | 102 |
| Tier 1 risk-based capital ratio | 48.6787% | 141 |
| Total risk-based capital ratio | 49.9309% | 140 |
| Memoranda: | ||
| Average total assets | $74,268,000 | 4,969 |
| Average earning assets | $69,874,500 | 4,928 |
| Average equity | $17,358,500 | 3,533 |
| Average total loans | $55,239,000 | 4,522 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 2,841 |
| Cost of funding earning assets | 0.7736% | 562 |
| Net interest margin | 3.3477% | 4,121 |
| Noninterest income to average assets | 0.0263% | 6,057 |
| Noninterest expense to average assets | 2.4756% | 4,303 |
| Loan and lease loss provision to assets | 0.1053% | 2,223 |
| Net operating income to assets | 0.4027% | 5,048 |
| Return on assets (ROA) | 0.4027% | 5,125 |
| Pretax return on assets | 0.6120% | 4,801 |
| Return on Equity (ROE) | 1.8569% | 5,605 |
| Retained earnings to average equity (ytd only) | 1.8569% | 4,669 |
| Net charge-offs to loans | 0.1609% | 1,764 |
| Credit loss provision to net charge-offs | 86.0215% | 2,832 |
| Earnings coverage of net charge-offs (x) | 5.8602% | 3,316 |
| Efficiency ratio | 77.5350% | 2,045 |
| Assets per employee ($millions) | 5.3649% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 4,201 |
| Loan loss allowance to noncurrent loans | 30.5955% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.8306% | 491 |
| Noncurrent loans to loans | 3.5022% | 401 |
| Net loans and leases to total assets | 73.2625% | 1,845 |
| Net loans and leases to deposits | 101.1340% | 600 |
| Net loans and leases to core deposits | 102.8177% | 1,307 |
| Total domestic deposits to total assets | 72.4410% | 5,767 |
| Equity capital to assets | 22.3105% | 136 |
| Core capital (leverage) ratio | 22.1953% | 128 |
| Tier 1 risk-based capital ratio | 48.4825% | 139 |
| Total risk-based capital ratio | 49.7382% | 139 |
| Memoranda: | ||
| Average total assets | $75,982,000 | 4,948 |
| Average earning assets | $71,869,400 | 4,897 |
| Average equity | $16,478,800 | 3,605 |
| Average total loans | $57,789,000 | 4,432 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 2,742 |
| Cost of funding earning assets | 0.7761% | 574 |
| Net interest margin | 3.3758% | 4,051 |
| Noninterest income to average assets | 0.0262% | 6,146 |
| Noninterest expense to average assets | 2.3534% | 4,642 |
| Loan and lease loss provision to assets | 0.1382% | 1,611 |
| Net operating income to assets | 0.4812% | 4,853 |
| Return on assets (ROA) | 0.4812% | 4,954 |
| Pretax return on assets | 0.7314% | 4,564 |
| Return on Equity (ROE) | 2.2345% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.2345% | 4,764 |
| Net charge-offs to loans | 0.2103% | 1,235 |
| Credit loss provision to net charge-offs | 85.8696% | 2,523 |
| Earnings coverage of net charge-offs (x) | 5.4023% | 3,208 |
| Efficiency ratio | 73.0185% | 2,713 |
| Assets per employee ($millions) | 6.3406% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,507 |
| Loan loss allowance to noncurrent loans | 27.4149% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 3.1556% | 452 |
| Noncurrent loans to loans | 3.8050% | 374 |
| Net loans and leases to total assets | 74.3084% | 1,677 |
| Net loans and leases to deposits | 102.2479% | 534 |
| Net loans and leases to core deposits | 103.9205% | 1,239 |
| Total domestic deposits to total assets | 72.6747% | 5,818 |
| Equity capital to assets | 21.7554% | 163 |
| Core capital (leverage) ratio | 21.6382% | 151 |
| Tier 1 risk-based capital ratio | 44.0650% | 195 |
| Total risk-based capital ratio | 45.3188% | 191 |
| Memoranda: | ||
| Average total assets | $76,200,500 | 4,999 |
| Average earning assets | $72,158,750 | 4,950 |
| Average equity | $16,409,250 | 3,640 |
| Average total loans | $58,330,750 | 4,464 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,439 |
| Cost of funding earning assets | 0.7790% | 558 |
| Net interest margin | 3.4486% | 3,716 |
| Noninterest income to average assets | 0.0498% | 6,175 |
| Noninterest expense to average assets | 2.2797% | 4,892 |
| Loan and lease loss provision to assets | 0.1784% | 1,150 |
| Net operating income to assets | 0.5614% | 4,513 |
| Return on assets (ROA) | 0.5614% | 4,619 |
| Pretax return on assets | 0.8552% | 4,107 |
| Return on Equity (ROE) | 2.6159% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.6159% | 4,397 |
| Net charge-offs to loans | 0.2758% | 955 |
| Credit loss provision to net charge-offs | 83.9506% | 2,284 |
| Earnings coverage of net charge-offs (x) | 4.8642% | 2,986 |
| Efficiency ratio | 68.8044% | 3,534 |
| Assets per employee ($millions) | 5.9415% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 4,702 |
| Loan loss allowance to noncurrent loans | 27.6182% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 3.4270% | 426 |
| Noncurrent loans to loans | 3.7369% | 450 |
| Net loans and leases to total assets | 73.9927% | 1,661 |
| Net loans and leases to deposits | 100.9878% | 593 |
| Net loans and leases to core deposits | 102.5995% | 1,288 |
| Total domestic deposits to total assets | 73.2690% | 5,847 |
| Equity capital to assets | 21.3335% | 169 |
| Core capital (leverage) ratio | 21.8006% | 140 |
| Tier 1 risk-based capital ratio | 43.7663% | 209 |
| Total risk-based capital ratio | 45.0199% | 206 |
| Memoranda: | ||
| Average total assets | $76,238,330 | 5,049 |
| Average earning assets | $72,144,670 | 4,998 |
| Average equity | $16,361,330 | 3,663 |
| Average total loans | $58,729,330 | 4,496 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 1,740 |
| Cost of funding earning assets | 0.7867% | 548 |
| Net interest margin | 3.6209% | 2,923 |
| Noninterest income to average assets | 0.0475% | 6,236 |
| Noninterest expense to average assets | 2.3766% | 4,667 |
| Loan and lease loss provision to assets | 0.1637% | 1,228 |
| Net operating income to assets | 0.6179% | 4,205 |
| Return on assets (ROA) | 0.6179% | 4,297 |
| Pretax return on assets | 0.9348% | 3,762 |
| Return on Equity (ROE) | 2.8706% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.8706% | 4,245 |
| Net charge-offs to loans | 0.1283% | 1,488 |
| Credit loss provision to net charge-offs | 163.1579% | 1,191 |
| Earnings coverage of net charge-offs (x) | 10.9474% | 1,903 |
| Efficiency ratio | 68.3891% | 3,759 |
| Assets per employee ($millions) | 5.3951% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 4,716 |
| Loan loss allowance to noncurrent loans | 30.4114% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 3.3893% | 504 |
| Noncurrent loans to loans | 3.4783% | 555 |
| Net loans and leases to total assets | 76.9035% | 1,072 |
| Net loans and leases to deposits | 105.6301% | 327 |
| Net loans and leases to core deposits | 109.3837% | 779 |
| Total domestic deposits to total assets | 72.8045% | 5,992 |
| Equity capital to assets | 21.6706% | 161 |
| Core capital (leverage) ratio | 21.6331% | 144 |
| Tier 1 risk-based capital ratio | 43.6259% | 210 |
| Total risk-based capital ratio | 44.8786% | 211 |
| Memoranda: | ||
| Average total assets | $75,737,500 | 5,112 |
| Average earning assets | $71,695,500 | 5,055 |
| Average equity | $16,303,000 | 3,697 |
| Average total loans | $59,220,000 | 4,513 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,153 |
| Cost of funding earning assets | 0.8397% | 540 |
| Net interest margin | 3.5821% | 3,467 |
| Noninterest income to average assets | -0.0100% | 6,409 |
| Noninterest expense to average assets | 2.6072% | 4,189 |
| Loan and lease loss provision to assets | 0.2063% | 1,217 |
| Net operating income to assets | 0.3851% | 5,271 |
| Return on assets (ROA) | 0.3851% | 5,339 |
| Pretax return on assets | 0.5852% | 4,986 |
| Return on Equity (ROE) | 1.9359% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.9359% | 4,832 |
| Net charge-offs to loans | 0.2138% | 1,955 |
| Credit loss provision to net charge-offs | 122.2222% | 1,960 |
| Earnings coverage of net charge-offs (x) | 4.6889% | 3,585 |
| Efficiency ratio | 76.7108% | 2,411 |
| Assets per employee ($millions) | 5.4246% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 4,948 |
| Loan loss allowance to noncurrent loans | 28.0000% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 3.4473% | 542 |
| Noncurrent loans to loans | 3.6412% | 547 |
| Net loans and leases to total assets | 77.8521% | 1,022 |
| Net loans and leases to deposits | 106.2827% | 346 |
| Net loans and leases to core deposits | 108.0028% | 889 |
| Total domestic deposits to total assets | 73.2500% | 5,997 |
| Equity capital to assets | 21.3815% | 173 |
| Core capital (leverage) ratio | 21.3815% | 157 |
| Tier 1 risk-based capital ratio | 46.9999% | 153 |
| Total risk-based capital ratio | 48.2561% | 153 |
| Memoranda: | ||
| Average total assets | $79,972,200 | 5,063 |
| Average earning assets | $76,101,600 | 4,984 |
| Average equity | $15,909,600 | 3,678 |
| Average total loans | $63,155,200 | 4,394 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 2,126 |
| Cost of funding earning assets | 0.8367% | 573 |
| Net interest margin | 3.5922% | 3,458 |
| Noninterest income to average assets | -0.0576% | 6,514 |
| Noninterest expense to average assets | 2.6788% | 3,900 |
| Loan and lease loss provision to assets | 0.2354% | 935 |
| Net operating income to assets | 0.2947% | 5,601 |
| Return on assets (ROA) | 0.2947% | 5,673 |
| Pretax return on assets | 0.4495% | 5,466 |
| Return on Equity (ROE) | 1.5079% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.5079% | 5,292 |
| Net charge-offs to loans | 0.2333% | 1,649 |
| Credit loss provision to net charge-offs | 127.6786% | 1,812 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 3,609 |
| Efficiency ratio | 79.6378% | 1,970 |
| Assets per employee ($millions) | 5.6430% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 5,280 |
| Loan loss allowance to noncurrent loans | 24.3902% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 3.7721% | 546 |
| Noncurrent loans to loans | 4.0333% | 521 |
| Net loans and leases to total assets | 77.7183% | 989 |
| Net loans and leases to deposits | 104.8069% | 369 |
| Net loans and leases to core deposits | 106.4144% | 931 |
| Total domestic deposits to total assets | 74.1538% | 6,003 |
| Equity capital to assets | 20.1159% | 228 |
| Core capital (leverage) ratio | 20.1159% | 208 |
| Tier 1 risk-based capital ratio | 41.9281% | 211 |
| Total risk-based capital ratio | 43.1813% | 209 |
| Memoranda: | ||
| Average total assets | $80,979,250 | 5,094 |
| Average earning assets | $77,127,500 | 5,004 |
| Average equity | $15,827,500 | 3,711 |
| Average total loans | $64,010,750 | 4,401 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 2,061 |
| Cost of funding earning assets | 0.8338% | 601 |
| Net interest margin | 3.5967% | 3,370 |
| Noninterest income to average assets | -0.0171% | 6,575 |
| Noninterest expense to average assets | 2.5797% | 4,310 |
| Loan and lease loss provision to assets | 0.2131% | 1,106 |
| Net operating income to assets | 0.4091% | 5,182 |
| Return on assets (ROA) | 0.4091% | 5,266 |
| Pretax return on assets | 0.6247% | 4,877 |
| Return on Equity (ROE) | 2.1131% | 5,814 |
| Retained earnings to average equity (ytd only) | 2.1131% | 4,837 |
| Net charge-offs to loans | 0.2381% | 1,619 |
| Credit loss provision to net charge-offs | 112.9870% | 1,784 |
| Earnings coverage of net charge-offs (x) | 4.4416% | 3,106 |
| Efficiency ratio | 75.4839% | 2,726 |
| Assets per employee ($millions) | 5.7307% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 5,622 |
| Loan loss allowance to noncurrent loans | 16.7902% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 4.9919% | 362 |
| Noncurrent loans to loans | 5.5545% | 316 |
| Net loans and leases to total assets | 77.9845% | 913 |
| Net loans and leases to deposits | 104.4054% | 346 |
| Net loans and leases to core deposits | 106.4209% | 873 |
| Total domestic deposits to total assets | 74.6940% | 6,047 |
| Equity capital to assets | 19.7931% | 229 |
| Core capital (leverage) ratio | 19.7931% | 207 |
| Tier 1 risk-based capital ratio | 40.6773% | 228 |
| Total risk-based capital ratio | 41.9299% | 224 |
| Memoranda: | ||
| Average total assets | $81,638,330 | 5,121 |
| Average earning assets | $77,961,000 | 5,020 |
| Average equity | $15,806,000 | 3,721 |
| Average total loans | $64,678,000 | 4,401 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 1,869 |
| Cost of funding earning assets | 0.8313% | 636 |
| Net interest margin | 3.6497% | 3,060 |
| Noninterest income to average assets | 0.0680% | 6,430 |
| Noninterest expense to average assets | 2.4532% | 4,781 |
| Loan and lease loss provision to assets | 0.2818% | 722 |
| Net operating income to assets | 0.5441% | 4,482 |
| Return on assets (ROA) | 0.5441% | 4,553 |
| Pretax return on assets | 0.8307% | 3,973 |
| Return on Equity (ROE) | 2.8410% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.8410% | 4,388 |
| Net charge-offs to loans | 0.2934% | 1,185 |
| Credit loss provision to net charge-offs | 120.8333% | 1,449 |
| Earnings coverage of net charge-offs (x) | 4.7708% | 2,479 |
| Efficiency ratio | 68.8011% | 4,044 |
| Assets per employee ($millions) | 6.8154% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 5,846 |
| Loan loss allowance to noncurrent loans | 17.6400% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 4.2868% | 527 |
| Noncurrent loans to loans | 5.1486% | 422 |
| Net loans and leases to total assets | 78.5755% | 700 |
| Net loans and leases to deposits | 104.6884% | 269 |
| Net loans and leases to core deposits | 106.6677% | 734 |
| Total domestic deposits to total assets | 75.0566% | 6,153 |
| Equity capital to assets | 19.3495% | 245 |
| Core capital (leverage) ratio | 19.3495% | 232 |
| Tier 1 risk-based capital ratio | 40.1314% | 232 |
| Total risk-based capital ratio | 41.3841% | 227 |
| Memoranda: | ||
| Average total assets | $82,342,500 | 5,153 |
| Average earning assets | $78,911,500 | 5,053 |
| Average equity | $15,769,000 | 3,737 |
| Average total loans | $65,439,000 | 4,414 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 2,434 |
| Cost of funding earning assets | 0.8396% | 997 |
| Net interest margin | 3.5994% | 3,468 |
| Noninterest income to average assets | 0.0900% | 6,422 |
| Noninterest expense to average assets | 2.2328% | 5,547 |
| Loan and lease loss provision to assets | 0.2565% | 1,404 |
| Net operating income to assets | 0.6569% | 4,002 |
| Return on assets (ROA) | 0.6569% | 4,103 |
| Pretax return on assets | 1.0439% | 3,175 |
| Return on Equity (ROE) | 3.8396% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.8396% | 3,471 |
| Net charge-offs to loans | 0.2435% | 2,518 |
| Credit loss provision to net charge-offs | 134.9112% | 1,739 |
| Earnings coverage of net charge-offs (x) | 6.8402% | 2,970 |
| Efficiency ratio | 63.1964% | 5,027 |
| Assets per employee ($millions) | 6.9083% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 5,989 |
| Loan loss allowance to noncurrent loans | 15.5939% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 4.5175% | 555 |
| Noncurrent loans to loans | 5.6235% | 392 |
| Net loans and leases to total assets | 78.9469% | 722 |
| Net loans and leases to deposits | 104.3180% | 314 |
| Net loans and leases to core deposits | 106.2589% | 778 |
| Total domestic deposits to total assets | 75.6791% | 6,118 |
| Equity capital to assets | 18.9542% | 266 |
| Core capital (leverage) ratio | 18.9542% | 240 |
| Tier 1 risk-based capital ratio | 41.0486% | 212 |
| Total risk-based capital ratio | 42.3026% | 211 |
| Memoranda: | ||
| Average total assets | $88,900,000 | 5,001 |
| Average earning assets | $85,041,000 | 4,908 |
| Average equity | $15,210,000 | 3,826 |
| Average total loans | $69,397,600 | 4,289 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 2,407 |
| Cost of funding earning assets | 0.8318% | 1,147 |
| Net interest margin | 3.6205% | 3,358 |
| Noninterest income to average assets | 0.1121% | 6,443 |
| Noninterest expense to average assets | 2.2109% | 5,580 |
| Loan and lease loss provision to assets | 0.3260% | 1,019 |
| Net operating income to assets | 0.6416% | 4,173 |
| Return on assets (ROA) | 0.6416% | 4,283 |
| Pretax return on assets | 1.0354% | 3,354 |
| Return on Equity (ROE) | 3.8450% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,945 |
| Net charge-offs to loans | 0.3170% | 1,957 |
| Credit loss provision to net charge-offs | 132.3353% | 1,782 |
| Earnings coverage of net charge-offs (x) | 5.5270% | 3,168 |
| Efficiency ratio | 61.8910% | 5,153 |
| Assets per employee ($millions) | 7.1260% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 6,175 |
| Loan loss allowance to noncurrent loans | 16.6812% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 4.2813% | 713 |
| Noncurrent loans to loans | 5.1225% | 571 |
| Net loans and leases to total assets | 77.8838% | 760 |
| Net loans and leases to deposits | 102.0033% | 380 |
| Net loans and leases to core deposits | 103.8370% | 885 |
| Total domestic deposits to total assets | 76.3542% | 6,134 |
| Equity capital to assets | 17.9086% | 329 |
| Core capital (leverage) ratio | 17.9086% | 308 |
| Tier 1 risk-based capital ratio | 37.2876% | 279 |
| Total risk-based capital ratio | 38.5391% | 278 |
| Memoranda: | ||
| Average total assets | $90,400,000 | 5,029 |
| Average earning assets | $86,394,750 | 4,919 |
| Average equity | $15,084,250 | 3,903 |
| Average total loans | $70,240,500 | 4,295 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 2,319 |
| Cost of funding earning assets | 0.8239% | 1,290 |
| Net interest margin | 3.6439% | 3,201 |
| Noninterest income to average assets | 0.1152% | 6,476 |
| Noninterest expense to average assets | 2.1906% | 5,655 |
| Loan and lease loss provision to assets | 0.3129% | 1,136 |
| Net operating income to assets | 0.6585% | 4,026 |
| Return on assets (ROA) | 0.6585% | 4,183 |
| Pretax return on assets | 1.0910% | 3,125 |
| Return on Equity (ROE) | 4.0379% | 5,202 |
| Retained earnings to average equity (ytd only) | 4.0379% | 3,730 |
| Net charge-offs to loans | 0.2863% | 2,053 |
| Credit loss provision to net charge-offs | 141.1765% | 1,605 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,736 |
| Efficiency ratio | 60.9432% | 5,342 |
| Assets per employee ($millions) | 7.1390% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 6,345 |
| Loan loss allowance to noncurrent loans | 17.7231% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 3.9560% | 877 |
| Noncurrent loans to loans | 4.5393% | 765 |
| Net loans and leases to total assets | 80.8878% | 451 |
| Net loans and leases to deposits | 105.4542% | 236 |
| Net loans and leases to core deposits | 107.3459% | 666 |
| Total domestic deposits to total assets | 76.7043% | 6,171 |
| Equity capital to assets | 17.7021% | 345 |
| Core capital (leverage) ratio | 17.7021% | 305 |
| Tier 1 risk-based capital ratio | 36.1994% | 297 |
| Total risk-based capital ratio | 37.4502% | 295 |
| Memoranda: | ||
| Average total assets | $92,029,330 | 5,010 |
| Average earning assets | $87,872,670 | 4,901 |
| Average equity | $15,007,670 | 3,943 |
| Average total loans | $71,262,670 | 4,264 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,666 |
| Cost of funding earning assets | 0.8107% | 1,472 |
| Net interest margin | 3.5467% | 3,493 |
| Noninterest income to average assets | 0.3403% | 4,971 |
| Noninterest expense to average assets | 2.2561% | 5,552 |
| Loan and lease loss provision to assets | 0.3025% | 1,141 |
| Net operating income to assets | 0.7688% | 3,338 |
| Return on assets (ROA) | 0.7688% | 3,478 |
| Pretax return on assets | 1.1637% | 2,709 |
| Return on Equity (ROE) | 4.9032% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.9032% | 3,296 |
| Net charge-offs to loans | 0.3835% | 1,495 |
| Credit loss provision to net charge-offs | 104.3478% | 1,766 |
| Earnings coverage of net charge-offs (x) | 5.0580% | 2,415 |
| Efficiency ratio | 60.6095% | 5,504 |
| Assets per employee ($millions) | 7.7652% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 6,544 |
| Loan loss allowance to noncurrent loans | 23.7511% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 2.6078% | 1,750 |
| Noncurrent loans to loans | 3.0860% | 1,618 |
| Net loans and leases to total assets | 76.0147% | 837 |
| Net loans and leases to deposits | 105.0265% | 212 |
| Net loans and leases to core deposits | 106.8646% | 611 |
| Total domestic deposits to total assets | 72.3766% | 6,639 |
| Equity capital to assets | 16.1287% | 541 |
| Core capital (leverage) ratio | 16.1287% | 436 |
| Tier 1 risk-based capital ratio | 34.5106% | 362 |
| Total risk-based capital ratio | 35.7115% | 359 |
| Memoranda: | ||
| Average total assets | $95,210,000 | 4,970 |
| Average earning assets | $90,787,500 | 4,872 |
| Average equity | $14,929,000 | 4,009 |
| Average total loans | $71,965,500 | 4,268 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 2,726 |
| Cost of funding earning assets | 1.0096% | 1,307 |
| Net interest margin | 3.6564% | 3,846 |
| Noninterest income to average assets | 0.2379% | 5,741 |
| Noninterest expense to average assets | 2.2512% | 5,812 |
| Loan and lease loss provision to assets | 0.1993% | 3,143 |
| Net operating income to assets | 0.8185% | 3,195 |
| Return on assets (ROA) | 0.8185% | 3,441 |
| Pretax return on assets | 1.2415% | 2,634 |
| Return on Equity (ROE) | 4.1329% | 5,087 |
| Retained earnings to average equity (ytd only) | -29.1357% | 6,931 |
| Net charge-offs to loans | 0.0691% | 4,991 |
| Credit loss provision to net charge-offs | 384.3137% | 635 |
| Earnings coverage of net charge-offs (x) | 27.7843% | 1,059 |
| Efficiency ratio | 60.9749% | 5,389 |
| Assets per employee ($millions) | 7.4798% | 628 |
| Cash dividends to net income (ytd only)* | 804.9689% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7165% | 6,610 |
| Loan loss allowance to noncurrent loans | 15.9705% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 4.4201% | 942 |
| Noncurrent loans to loans | 4.4863% | 953 |
| Net loans and leases to total assets | 74.1027% | 1,182 |
| Net loans and leases to deposits | 106.3134% | 220 |
| Net loans and leases to core deposits | 108.1662% | 605 |
| Total domestic deposits to total assets | 69.7022% | 6,795 |
| Equity capital to assets | 15.2502% | 689 |
| Core capital (leverage) ratio | 15.2502% | 534 |
| Tier 1 risk-based capital ratio | 34.2131% | 361 |
| Total risk-based capital ratio | 35.4129% | 361 |
| Memoranda: | ||
| Average total assets | $98,347,400 | 4,877 |
| Average earning assets | $92,905,800 | 4,777 |
| Average equity | $19,477,800 | 3,261 |
| Average total loans | $73,845,800 | 4,212 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 2,796 |
| Cost of funding earning assets | 1.0660% | 1,214 |
| Net interest margin | 3.6378% | 4,065 |
| Noninterest income to average assets | 0.2650% | 5,659 |
| Noninterest expense to average assets | 2.2441% | 5,835 |
| Loan and lease loss provision to assets | 0.1163% | 4,109 |
| Net operating income to assets | 0.8814% | 3,071 |
| Return on assets (ROA) | 0.8814% | 3,314 |
| Pretax return on assets | 1.3370% | 2,469 |
| Return on Equity (ROE) | 4.2118% | 5,192 |
| Retained earnings to average equity (ytd only) | 4.2118% | 3,929 |
| Net charge-offs to loans | 0.0503% | 4,949 |
| Credit loss provision to net charge-offs | 307.1429% | 878 |
| Earnings coverage of net charge-offs (x) | 38.3954% | 910 |
| Efficiency ratio | 60.6947% | 5,378 |
| Assets per employee ($millions) | 7.5322% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 6,873 |
| Loan loss allowance to noncurrent loans | 18.8646% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 3.9850% | 1,212 |
| Noncurrent loans to loans | 3.1588% | 1,752 |
| Net loans and leases to total assets | 73.5973% | 1,305 |
| Net loans and leases to deposits | 107.7285% | 197 |
| Net loans and leases to core deposits | 109.5979% | 585 |
| Total domestic deposits to total assets | 68.3174% | 6,910 |
| Equity capital to assets | 21.4261% | 190 |
| Core capital (leverage) ratio | 21.4261% | 155 |
| Tier 1 risk-based capital ratio | 45.8730% | 171 |
| Total risk-based capital ratio | 46.8175% | 173 |
| Memoranda: | ||
| Average total assets | $98,624,750 | 4,914 |
| Average earning assets | $93,057,000 | 4,824 |
| Average equity | $20,640,000 | 3,154 |
| Average total loans | $74,163,250 | 4,255 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 2,558 |
| Cost of funding earning assets | 1.1069% | 1,191 |
| Net interest margin | 3.6809% | 3,921 |
| Noninterest income to average assets | 0.2630% | 5,699 |
| Noninterest expense to average assets | 2.2436% | 5,896 |
| Loan and lease loss provision to assets | 0.0951% | 4,358 |
| Net operating income to assets | 0.9205% | 2,807 |
| Return on assets (ROA) | 0.9205% | 3,078 |
| Pretax return on assets | 1.3959% | 2,212 |
| Return on Equity (ROE) | 4.4333% | 5,071 |
| Retained earnings to average equity (ytd only) | 4.4333% | 3,654 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0758% | 5,562 |
| Assets per employee ($millions) | 7.5507% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5614% | 6,968 |
| Loan loss allowance to noncurrent loans | 30.7749% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 2.9951% | 1,842 |
| Noncurrent loans to loans | 1.8241% | 3,185 |
| Net loans and leases to total assets | 75.9716% | 971 |
| Net loans and leases to deposits | 110.3477% | 140 |
| Net loans and leases to core deposits | 112.2428% | 500 |
| Total domestic deposits to total assets | 68.8475% | 6,958 |
| Equity capital to assets | 21.1534% | 196 |
| Core capital (leverage) ratio | 21.1534% | 158 |
| Tier 1 risk-based capital ratio | 41.3922% | 208 |
| Total risk-based capital ratio | 42.2315% | 212 |
| Memoranda: | ||
| Average total assets | $98,860,330 | 4,925 |
| Average earning assets | $93,237,000 | 4,840 |
| Average equity | $20,526,670 | 3,163 |
| Average total loans | $74,718,670 | 4,259 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 2,573 |
| Cost of funding earning assets | 1.1351% | 1,239 |
| Net interest margin | 3.6793% | 3,926 |
| Noninterest income to average assets | 0.3306% | 5,217 |
| Noninterest expense to average assets | 2.2256% | 5,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0362% | 2,341 |
| Return on assets (ROA) | 1.0362% | 2,532 |
| Pretax return on assets | 1.5684% | 1,669 |
| Return on Equity (ROE) | 5.0372% | 4,769 |
| Retained earnings to average equity (ytd only) | 5.0372% | 3,536 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6610% | 5,824 |
| Assets per employee ($millions) | 8.2521% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5036% | 7,063 |
| Loan loss allowance to noncurrent loans | 38.4378% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 2.6811% | 2,201 |
| Noncurrent loans to loans | 1.3101% | 4,152 |
| Net loans and leases to total assets | 74.6206% | 971 |
| Net loans and leases to deposits | 107.6200% | 175 |
| Net loans and leases to core deposits | 109.0672% | 568 |
| Total domestic deposits to total assets | 69.3370% | 7,008 |
| Equity capital to assets | 20.7493% | 198 |
| Core capital (leverage) ratio | 20.7493% | 171 |
| Tier 1 risk-based capital ratio | 42.2204% | 195 |
| Total risk-based capital ratio | 42.9889% | 197 |
| Memoranda: | ||
| Average total assets | $99,211,000 | 4,954 |
| Average earning assets | $93,386,500 | 4,865 |
| Average equity | $20,408,000 | 3,179 |
| Average total loans | $74,581,000 | 4,287 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 3,734 |
| Cost of funding earning assets | 1.4495% | 859 |
| Net interest margin | 3.3663% | 5,595 |
| Noninterest income to average assets | -0.0512% | 7,059 |
| Noninterest expense to average assets | 1.7908% | 6,963 |
| Loan and lease loss provision to assets | 0.0502% | 5,960 |
| Net operating income to assets | 0.8545% | 2,798 |
| Return on assets (ROA) | 0.8545% | 2,953 |
| Pretax return on assets | 1.2926% | 2,158 |
| Return on Equity (ROE) | 4.4241% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.4241% | 3,024 |
| Net charge-offs to loans | 0.3258% | 3,760 |
| Credit loss provision to net charge-offs | 20.8163% | 5,908 |
| Earnings coverage of net charge-offs (x) | 5.5673% | 2,751 |
| Efficiency ratio | 57.1473% | 6,170 |
| Assets per employee ($millions) | 8.2831% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 7,107 |
| Loan loss allowance to noncurrent loans | 28.7250% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 3.0011% | 2,010 |
| Noncurrent loans to loans | 1.7384% | 3,557 |
| Net loans and leases to total assets | 74.9731% | 1,090 |
| Net loans and leases to deposits | 107.4657% | 219 |
| Net loans and leases to core deposits | 108.8931% | 658 |
| Total domestic deposits to total assets | 69.7647% | 6,997 |
| Equity capital to assets | 20.3920% | 210 |
| Core capital (leverage) ratio | 20.3920% | 187 |
| Tier 1 risk-based capital ratio | 42.4846% | 194 |
| Total risk-based capital ratio | 43.2686% | 194 |
| Memoranda: | ||
| Average total assets | $101,575,600 | 4,853 |
| Average earning assets | $96,100,800 | 4,745 |
| Average equity | $19,619,800 | 3,196 |
| Average total loans | $75,210,400 | 4,306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 4,005 |
| Cost of funding earning assets | 1.5206% | 796 |
| Net interest margin | 3.2824% | 5,912 |
| Noninterest income to average assets | -0.0705% | 7,192 |
| Noninterest expense to average assets | 1.7730% | 7,025 |
| Loan and lease loss provision to assets | 0.0104% | 6,301 |
| Net operating income to assets | 0.8304% | 3,020 |
| Return on assets (ROA) | 0.8304% | 3,182 |
| Pretax return on assets | 1.2547% | 2,445 |
| Return on Equity (ROE) | 4.3581% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.3581% | 3,628 |
| Net charge-offs to loans | 0.4268% | 3,008 |
| Credit loss provision to net charge-offs | 3.3195% | 5,717 |
| Earnings coverage of net charge-offs (x) | 4.0207% | 3,212 |
| Efficiency ratio | 58.3584% | 5,961 |
| Assets per employee ($millions) | 8.4500% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4522% | 7,194 |
| Loan loss allowance to noncurrent loans | 26.8215% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 2.9024% | 2,228 |
| Noncurrent loans to loans | 1.6861% | 3,775 |
| Net loans and leases to total assets | 72.7239% | 1,564 |
| Net loans and leases to deposits | 103.4235% | 333 |
| Net loans and leases to core deposits | 104.7576% | 936 |
| Total domestic deposits to total assets | 70.3166% | 7,024 |
| Equity capital to assets | 19.5750% | 275 |
| Core capital (leverage) ratio | 19.5750% | 235 |
| Tier 1 risk-based capital ratio | 40.0860% | 255 |
| Total risk-based capital ratio | 40.7626% | 254 |
| Memoranda: | ||
| Average total assets | $102,120,250 | 4,868 |
| Average earning assets | $96,715,500 | 4,748 |
| Average equity | $19,457,500 | 3,224 |
| Average total loans | $75,289,250 | 4,343 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 3,958 |
| Cost of funding earning assets | 1.5754% | 772 |
| Net interest margin | 3.2540% | 5,994 |
| Noninterest income to average assets | -0.0664% | 7,266 |
| Noninterest expense to average assets | 1.7077% | 7,175 |
| Loan and lease loss provision to assets | 0.0156% | 6,084 |
| Net operating income to assets | 0.8538% | 2,840 |
| Return on assets (ROA) | 0.8538% | 2,933 |
| Pretax return on assets | 1.2896% | 2,167 |
| Return on Equity (ROE) | 4.5222% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.5222% | 3,315 |
| Net charge-offs to loans | 0.6791% | 2,138 |
| Credit loss provision to net charge-offs | 3.1128% | 5,310 |
| Earnings coverage of net charge-offs (x) | 2.5992% | 3,528 |
| Efficiency ratio | 56.6796% | 6,335 |
| Assets per employee ($millions) | 8.4733% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4188% | 7,283 |
| Loan loss allowance to noncurrent loans | 67.5381% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 3.0449% | 2,209 |
| Noncurrent loans to loans | 0.6201% | 5,686 |
| Net loans and leases to total assets | 72.4958% | 1,689 |
| Net loans and leases to deposits | 101.9403% | 394 |
| Net loans and leases to core deposits | 104.0380% | 1,042 |
| Total domestic deposits to total assets | 71.1160% | 7,057 |
| Equity capital to assets | 18.9400% | 321 |
| Core capital (leverage) ratio | 18.9400% | 278 |
| Tier 1 risk-based capital ratio | 39.0890% | 258 |
| Total risk-based capital ratio | 39.7183% | 260 |
| Memoranda: | ||
| Average total assets | $102,360,330 | 4,892 |
| Average earning assets | $96,865,000 | 4,789 |
| Average equity | $19,327,000 | 3,225 |
| Average total loans | $75,693,330 | 4,356 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 4,268 |
| Cost of funding earning assets | 1.5977% | 822 |
| Net interest margin | 3.1586% | 6,194 |
| Noninterest income to average assets | -0.0117% | 7,323 |
| Noninterest expense to average assets | 1.1723% | 7,493 |
| Loan and lease loss provision to assets | 0.0312% | 5,580 |
| Net operating income to assets | 1.1840% | 1,562 |
| Return on assets (ROA) | 1.1840% | 1,610 |
| Pretax return on assets | 1.7877% | 834 |
| Return on Equity (ROE) | 6.2805% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.2805% | 2,472 |
| Net charge-offs to loans | 0.8415% | 1,564 |
| Credit loss provision to net charge-offs | 4.9689% | 4,430 |
| Earnings coverage of net charge-offs (x) | 2.9006% | 2,926 |
| Efficiency ratio | 39.1927% | 7,408 |
| Assets per employee ($millions) | 8.5160% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4475% | 7,318 |
| Loan loss allowance to noncurrent loans | 32.0268% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 3.4063% | 2,001 |
| Noncurrent loans to loans | 1.3973% | 4,375 |
| Net loans and leases to total assets | 72.9265% | 1,532 |
| Net loans and leases to deposits | 102.4666% | 367 |
| Net loans and leases to core deposits | 104.5671% | 1,024 |
| Total domestic deposits to total assets | 71.1709% | 7,127 |
| Equity capital to assets | 19.0377% | 303 |
| Core capital (leverage) ratio | 19.0377% | 269 |
| Tier 1 risk-based capital ratio | 38.8424% | 255 |
| Total risk-based capital ratio | 39.5113% | 261 |
| Memoranda: | ||
| Average total assets | $102,701,000 | 4,926 |
| Average earning assets | $97,638,000 | 4,796 |
| Average equity | $19,361,500 | 3,213 |
| Average total loans | $76,528,500 | 4,370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 3,930 |
| Cost of funding earning assets | 2.0283% | 546 |
| Net interest margin | 3.1060% | 6,509 |
| Noninterest income to average assets | -0.0257% | 7,326 |
| Noninterest expense to average assets | 1.9601% | 7,083 |
| Loan and lease loss provision to assets | 0.0419% | 6,748 |
| Net operating income to assets | 0.6286% | 3,540 |
| Return on assets (ROA) | 0.6286% | 3,702 |
| Pretax return on assets | 0.9534% | 3,094 |
| Return on Equity (ROE) | 3.5354% | 4,733 |
| Retained earnings to average equity (ytd only) | 3.5354% | 3,382 |
| Net charge-offs to loans | 0.0273% | 6,532 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 484 |
| Efficiency ratio | 66.3229% | 4,911 |
| Assets per employee ($millions) | 7.9392% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6241% | 7,231 |
| Loan loss allowance to noncurrent loans | 15.6964% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 3.1760% | 2,229 |
| Noncurrent loans to loans | 3.9759% | 1,831 |
| Net loans and leases to total assets | 75.2921% | 1,415 |
| Net loans and leases to deposits | 104.6882% | 375 |
| Net loans and leases to core deposits | 107.1582% | 1,112 |
| Total domestic deposits to total assets | 71.9204% | 7,088 |
| Equity capital to assets | 18.6687% | 337 |
| Core capital (leverage) ratio | 18.6687% | 291 |
| Tier 1 risk-based capital ratio | 39.1977% | 251 |
| Total risk-based capital ratio | 40.1904% | 253 |
| Memoranda: | ||
| Average total assets | $104,992,800 | 4,849 |
| Average earning assets | $100,771,800 | 4,705 |
| Average equity | $18,668,400 | 3,320 |
| Average total loans | $80,672,200 | 4,322 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 3,828 |
| Cost of funding earning assets | 2.0849% | 569 |
| Net interest margin | 3.1155% | 6,577 |
| Noninterest income to average assets | 0.0443% | 7,300 |
| Noninterest expense to average assets | 1.7691% | 7,364 |
| Loan and lease loss provision to assets | 0.0164% | 6,880 |
| Net operating income to assets | 0.8232% | 2,907 |
| Return on assets (ROA) | 0.8232% | 3,053 |
| Pretax return on assets | 1.2481% | 2,343 |
| Return on Equity (ROE) | 4.6871% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.6871% | 3,206 |
| Net charge-offs to loans | 0.0066% | 6,575 |
| Credit loss provision to net charge-offs | 325.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 250.1501% | 132 |
| Efficiency ratio | 58.3160% | 6,216 |
| Assets per employee ($millions) | 7.9991% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 7,360 |
| Loan loss allowance to noncurrent loans | 16.8619% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 3.3369% | 2,132 |
| Noncurrent loans to loans | 3.5212% | 2,241 |
| Net loans and leases to total assets | 76.4771% | 1,317 |
| Net loans and leases to deposits | 106.3465% | 348 |
| Net loans and leases to core deposits | 110.6093% | 1,005 |
| Total domestic deposits to total assets | 71.9131% | 7,142 |
| Equity capital to assets | 18.1386% | 403 |
| Core capital (leverage) ratio | 18.1386% | 340 |
| Tier 1 risk-based capital ratio | 36.4138% | 317 |
| Total risk-based capital ratio | 37.3308% | 316 |
| Memoranda: | ||
| Average total assets | $105,438,500 | 4,898 |
| Average earning assets | $101,170,500 | 4,753 |
| Average equity | $18,518,500 | 3,389 |
| Average total loans | $81,291,000 | 4,373 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 3,735 |
| Cost of funding earning assets | 2.1164% | 620 |
| Net interest margin | 3.1294% | 6,518 |
| Noninterest income to average assets | 0.0491% | 7,336 |
| Noninterest expense to average assets | 1.7636% | 7,435 |
| Loan and lease loss provision to assets | 0.0245% | 6,693 |
| Net operating income to assets | 0.8346% | 2,805 |
| Return on assets (ROA) | 0.8346% | 2,959 |
| Pretax return on assets | 1.2651% | 2,202 |
| Return on Equity (ROE) | 4.8033% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.8033% | 3,010 |
| Net charge-offs to loans | 0.0098% | 6,217 |
| Credit loss provision to net charge-offs | 325.0000% | 1,128 |
| Earnings coverage of net charge-offs (x) | 170.7500% | 206 |
| Efficiency ratio | 57.7613% | 6,409 |
| Assets per employee ($millions) | 8.1502% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 7,427 |
| Loan loss allowance to noncurrent loans | 12.9604% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 4.1528% | 1,631 |
| Noncurrent loans to loans | 4.5562% | 1,594 |
| Net loans and leases to total assets | 75.4729% | 1,600 |
| Net loans and leases to deposits | 103.5521% | 508 |
| Net loans and leases to core deposits | 108.0886% | 1,294 |
| Total domestic deposits to total assets | 72.8839% | 7,107 |
| Equity capital to assets | 17.5806% | 462 |
| Core capital (leverage) ratio | 17.5806% | 392 |
| Tier 1 risk-based capital ratio | 35.6819% | 330 |
| Total risk-based capital ratio | 36.5918% | 333 |
| Memoranda: | ||
| Average total assets | $105,922,000 | 4,914 |
| Average earning assets | $101,682,330 | 4,755 |
| Average equity | $18,404,000 | 3,394 |
| Average total loans | $81,720,670 | 4,395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4948% | 2,603 |
| Cost of funding earning assets | 2.1500% | 688 |
| Net interest margin | 3.3448% | 5,805 |
| Noninterest income to average assets | 0.0453% | 7,485 |
| Noninterest expense to average assets | 1.7449% | 7,529 |
| Loan and lease loss provision to assets | 0.2455% | 4,082 |
| Net operating income to assets | 0.8385% | 2,799 |
| Return on assets (ROA) | 0.8385% | 2,899 |
| Pretax return on assets | 1.2690% | 2,137 |
| Return on Equity (ROE) | 4.8544% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.8544% | 3,239 |
| Net charge-offs to loans | 0.2963% | 3,230 |
| Credit loss provision to net charge-offs | 106.5574% | 3,229 |
| Earnings coverage of net charge-offs (x) | 6.5738% | 2,201 |
| Efficiency ratio | 53.5342% | 7,018 |
| Assets per employee ($millions) | 7.6118% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5744% | 7,530 |
| Loan loss allowance to noncurrent loans | 27.4533% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 3,984 |
| Noncurrent loans to loans | 2.0922% | 3,667 |
| Net loans and leases to total assets | 76.3450% | 1,471 |
| Net loans and leases to deposits | 104.5169% | 494 |
| Net loans and leases to core deposits | 107.0050% | 1,494 |
| Total domestic deposits to total assets | 73.0456% | 7,154 |
| Equity capital to assets | 17.2693% | 498 |
| Core capital (leverage) ratio | 17.2554% | 432 |
| Tier 1 risk-based capital ratio | 35.3798% | 350 |
| Total risk-based capital ratio | 36.2844% | 351 |
| Memoranda: | ||
| Average total assets | $105,907,000 | 4,981 |
| Average earning assets | $101,769,500 | 4,822 |
| Average equity | $18,292,500 | 3,438 |
| Average total loans | $82,361,000 | 4,427 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 4,214 |
| Cost of funding earning assets | 2.3924% | 1,326 |
| Net interest margin | 3.0941% | 6,389 |
| Noninterest income to average assets | 0.0278% | 7,599 |
| Noninterest expense to average assets | 1.6058% | 7,764 |
| Loan and lease loss provision to assets | 0.5063% | 3,844 |
| Net operating income to assets | 0.5942% | 3,355 |
| Return on assets (ROA) | 0.5942% | 3,435 |
| Pretax return on assets | 0.9003% | 2,922 |
| Return on Equity (ROE) | 3.0429% | 4,480 |
| Retained earnings to average equity (ytd only) | -19.9399% | 7,106 |
| Net charge-offs to loans | 0.7419% | 2,967 |
| Credit loss provision to net charge-offs | 88.2629% | 6,055 |
| Earnings coverage of net charge-offs (x) | 2.4523% | 3,897 |
| Efficiency ratio | 53.3075% | 7,293 |
| Assets per employee ($millions) | 7.5178% | 637 |
| Cash dividends to net income (ytd only)* | 755.2870% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 7,606 |
| Loan loss allowance to noncurrent loans | 21.3566% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 3,239 |
| Noncurrent loans to loans | 2.6322% | 2,924 |
| Net loans and leases to total assets | 78.3181% | 1,314 |
| Net loans and leases to deposits | 107.3196% | 490 |
| Net loans and leases to core deposits | 130.2669% | 1,269 |
| Total domestic deposits to total assets | 72.9765% | 7,154 |
| Equity capital to assets | 17.2752% | 523 |
| Core capital (leverage) ratio | 17.2428% | 464 |
| Tier 1 risk-based capital ratio | 34.6318% | 352 |
| Total risk-based capital ratio | 35.5217% | 354 |
| Memoranda: | ||
| Average total assets | $111,406,400 | 4,785 |
| Average earning assets | $107,463,600 | 4,646 |
| Average equity | $21,755,400 | 2,977 |
| Average total loans | $86,132,000 | 4,324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 4,422 |
| Cost of funding earning assets | 2.4117% | 1,594 |
| Net interest margin | 3.0877% | 6,344 |
| Noninterest income to average assets | 0.0390% | 7,694 |
| Noninterest expense to average assets | 1.5476% | 7,865 |
| Loan and lease loss provision to assets | 0.6150% | 2,932 |
| Net operating income to assets | 0.5666% | 3,739 |
| Return on assets (ROA) | 0.5666% | 3,809 |
| Pretax return on assets | 0.8582% | 3,362 |
| Return on Equity (ROE) | 2.8257% | 4,866 |
| Retained earnings to average equity (ytd only) | 2.8257% | 3,753 |
| Net charge-offs to loans | 0.9171% | 2,137 |
| Credit loss provision to net charge-offs | 87.1237% | 5,564 |
| Earnings coverage of net charge-offs (x) | 2.0870% | 4,256 |
| Efficiency ratio | 51.2309% | 7,471 |
| Assets per employee ($millions) | 7.8814% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5534% | 7,641 |
| Loan loss allowance to noncurrent loans | 21.7636% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0265% | 3,308 |
| Noncurrent loans to loans | 2.5427% | 2,968 |
| Net loans and leases to total assets | 75.5701% | 2,087 |
| Net loans and leases to deposits | 108.5616% | 519 |
| Net loans and leases to core deposits | 142.1601% | 831 |
| Total domestic deposits to total assets | 69.6103% | 7,446 |
| Equity capital to assets | 20.6734% | 296 |
| Core capital (leverage) ratio | 20.6310% | 278 |
| Tier 1 risk-based capital ratio | 42.8047% | 235 |
| Total risk-based capital ratio | 43.6780% | 238 |
| Memoranda: | ||
| Average total assets | $112,945,750 | 4,785 |
| Average earning assets | $109,075,250 | 4,620 |
| Average equity | $22,648,750 | 2,895 |
| Average total loans | $86,941,250 | 4,341 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5843% | 4,149 |
| Cost of funding earning assets | 2.4245% | 1,862 |
| Net interest margin | 3.1598% | 6,057 |
| Noninterest income to average assets | 0.0545% | 7,719 |
| Noninterest expense to average assets | 1.5587% | 7,938 |
| Loan and lease loss provision to assets | 0.0474% | 6,761 |
| Net operating income to assets | 0.9893% | 2,145 |
| Return on assets (ROA) | 0.9893% | 2,243 |
| Pretax return on assets | 1.4989% | 1,445 |
| Return on Equity (ROE) | 4.9835% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.9835% | 2,515 |
| Net charge-offs to loans | 0.1773% | 4,465 |
| Credit loss provision to net charge-offs | 34.6154% | 5,971 |
| Earnings coverage of net charge-offs (x) | 11.2821% | 1,914 |
| Efficiency ratio | 50.1981% | 7,655 |
| Assets per employee ($millions) | 8.1596% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 7,699 |
| Loan loss allowance to noncurrent loans | 24.0196% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 1.8278% | 3,439 |
| Noncurrent loans to loans | 2.3581% | 3,071 |
| Net loans and leases to total assets | 75.3007% | 2,366 |
| Net loans and leases to deposits | 110.7151% | 529 |
| Net loans and leases to core deposits | 143.2910% | 870 |
| Total domestic deposits to total assets | 68.0130% | 7,627 |
| Equity capital to assets | 20.0369% | 384 |
| Core capital (leverage) ratio | 19.9819% | 361 |
| Tier 1 risk-based capital ratio | 41.5547% | 277 |
| Total risk-based capital ratio | 42.4478% | 273 |
| Memoranda: | ||
| Average total assets | $113,814,330 | 4,778 |
| Average earning assets | $109,880,000 | 4,628 |
| Average equity | $22,594,670 | 2,903 |
| Average total loans | $87,972,330 | 4,336 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 4,360 |
| Cost of funding earning assets | 2.4619% | 2,066 |
| Net interest margin | 3.1366% | 6,079 |
| Noninterest income to average assets | 0.0563% | 7,798 |
| Noninterest expense to average assets | 1.4683% | 8,006 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0669% | 2,078 |
| Return on assets (ROA) | 1.0669% | 2,211 |
| Pretax return on assets | 1.6161% | 1,367 |
| Return on Equity (ROE) | 5.3993% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.3993% | 2,906 |
| Net charge-offs to loans | 0.0361% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 57.3750% | 665 |
| Efficiency ratio | 47.6027% | 7,749 |
| Assets per employee ($millions) | 8.7997% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 7,669 |
| Loan loss allowance to noncurrent loans | 38.2353% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 4,173 |
| Noncurrent loans to loans | 1.5511% | 3,954 |
| Net loans and leases to total assets | 78.0971% | 1,803 |
| Net loans and leases to deposits | 114.1827% | 439 |
| Net loans and leases to core deposits | 147.3844% | 798 |
| Total domestic deposits to total assets | 68.3966% | 7,565 |
| Equity capital to assets | 19.7586% | 433 |
| Core capital (leverage) ratio | 19.7028% | 411 |
| Tier 1 risk-based capital ratio | 40.5271% | 317 |
| Total risk-based capital ratio | 41.4866% | 313 |
| Memoranda: | ||
| Average total assets | $113,604,500 | 4,810 |
| Average earning assets | $109,673,500 | 4,648 |
| Average equity | $22,447,500 | 2,925 |
| Average total loans | $88,704,000 | 4,342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 7,678 |
| Cost of funding earning assets | 2.8041% | 2,691 |
| Net interest margin | 2.4100% | 7,839 |
| Noninterest income to average assets | 0.0462% | 7,910 |
| Noninterest expense to average assets | 1.3291% | 8,105 |
| Loan and lease loss provision to assets | 0.0174% | 7,167 |
| Net operating income to assets | 0.6859% | 3,953 |
| Return on assets (ROA) | 0.6859% | 3,792 |
| Pretax return on assets | 1.0389% | 3,241 |
| Return on Equity (ROE) | 3.4998% | 5,037 |
| Retained earnings to average equity (ytd only) | -16.5119% | 7,544 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7179% | 7,052 |
| Assets per employee ($millions) | 9.4011% | 309 |
| Cash dividends to net income (ytd only)* | 571.7916% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 7,646 |
| Loan loss allowance to noncurrent loans | 42.2987% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 3,979 |
| Noncurrent loans to loans | 1.4611% | 3,607 |
| Net loans and leases to total assets | 77.1135% | 2,346 |
| Net loans and leases to deposits | 110.0577% | 828 |
| Net loans and leases to core deposits | 144.7102% | 1,066 |
| Total domestic deposits to total assets | 70.0664% | 7,269 |
| Equity capital to assets | 19.7601% | 481 |
| Core capital (leverage) ratio | 19.6930% | 458 |
| Tier 1 risk-based capital ratio | 41.0086% | 315 |
| Total risk-based capital ratio | 42.0087% | 314 |
| Memoranda: | ||
| Average total assets | $114,736,000 | 4,651 |
| Average earning assets | $111,370,800 | 4,487 |
| Average equity | $22,486,800 | 2,912 |
| Average total loans | $70,711,600 | 4,840 |