Home > First Federal Savings and Loan Association of Central Illinois, S.B. > Performance and Condition Ratios
First Federal Savings and Loan Association of Central Illinois, S.B., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 1,343 |
| Cost of funding earning assets | 1.3977% | 2,238 |
| Net interest margin | 3.9850% | 1,233 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 2.9180% | 1,240 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.2226% | 1,597 |
| Return on assets (ROA) | 1.0175% | 2,148 |
| Pretax return on assets | 1.4075% | 1,617 |
| Return on Equity (ROE) | 11.0400% | 2,212 |
| Retained earnings to average equity (ytd only) | 11.0411% | 782 |
| Net charge-offs to loans | 0.3731% | 285 |
| Credit loss provision to net charge-offs | 84.6899% | 1,987 |
| Earnings coverage of net charge-offs (x) | 7.0930% | 2,429 |
| Efficiency ratio | 59.9935% | 3,078 |
| Assets per employee ($millions) | 5.6940% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 2,644 |
| Loan loss allowance to noncurrent loans | 199.0326% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 971 |
| Noncurrent loans to loans | 0.5688% | 1,377 |
| Net loans and leases to total assets | 72.1300% | 1,563 |
| Net loans and leases to deposits | 85.5486% | 1,644 |
| Net loans and leases to core deposits | 92.6761% | 1,859 |
| Total domestic deposits to total assets | 84.3200% | 2,531 |
| Equity capital to assets | 9.6634% | 2,231 |
| Core capital (leverage) ratio | 10.6672% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5071% | 1,683 |
| Memoranda: | ||
| Average total assets | $193,320,400 | 3,029 |
| Average earning assets | $181,507,400 | 2,995 |
| Average equity | $17,815,200 | 3,026 |
| Average total loans | $138,288,200 | 2,786 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 1,425 |
| Cost of funding earning assets | 1.2656% | 2,238 |
| Net interest margin | 3.9524% | 1,296 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 2.7434% | 1,562 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.3412% | 1,440 |
| Return on assets (ROA) | 1.0655% | 2,152 |
| Pretax return on assets | 1.4735% | 1,624 |
| Return on Equity (ROE) | 11.7100% | 2,201 |
| Retained earnings to average equity (ytd only) | 11.7102% | 1,023 |
| Net charge-offs to loans | 0.0205% | 1,710 |
| Credit loss provision to net charge-offs | 976.1905% | 413 |
| Earnings coverage of net charge-offs (x) | 134.6190% | 787 |
| Efficiency ratio | 57.5878% | 3,258 |
| Assets per employee ($millions) | 5.5291% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,649 |
| Loan loss allowance to noncurrent loans | 126.6932% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 567 |
| Noncurrent loans to loans | 1.0659% | 749 |
| Net loans and leases to total assets | 72.0300% | 1,571 |
| Net loans and leases to deposits | 86.2138% | 1,544 |
| Net loans and leases to core deposits | 92.9098% | 1,740 |
| Total domestic deposits to total assets | 83.5400% | 2,892 |
| Equity capital to assets | 9.1717% | 2,311 |
| Core capital (leverage) ratio | 10.7341% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8184% | 1,625 |
| Memoranda: | ||
| Average total assets | $191,828,250 | 3,045 |
| Average earning assets | $180,141,250 | 3,016 |
| Average equity | $17,454,500 | 3,041 |
| Average total loans | $136,511,500 | 2,811 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 17,709.0000% | 24 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24,493.0000% | 29 |
| Cost of funding earning assets | 145.0000% | 13 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.9557% | 2,554 |
| Pretax return on assets | 1.3186% | 2,026 |
| Return on Equity (ROE) | 10.5300% | 2,548 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,101 |
| Efficiency ratio | 6.2012% | 4,609 |
| Assets per employee ($millions) | 0.0000% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.6857% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0037% | 4,530 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 4,118.0000% | 39 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $-256,000 | 4,666 |
| Average earning assets | $36,816 | 4,602 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 1,424 |
| Cost of funding earning assets | 1.0322% | 1,942 |
| Net interest margin | 3.8620% | 1,554 |
| Noninterest income to average assets | 1.2000% | 440 |
| Noninterest expense to average assets | 2.6165% | 1,905 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.6598% | 886 |
| Return on assets (ROA) | 0.8303% | 3,046 |
| Pretax return on assets | 1.1378% | 2,604 |
| Return on Equity (ROE) | 9.3200% | 2,964 |
| Retained earnings to average equity (ytd only) | 9.3247% | 1,858 |
| Net charge-offs to loans | 0.0478% | 885 |
| Credit loss provision to net charge-offs | 75.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 66.1250% | 971 |
| Efficiency ratio | 53.5297% | 3,650 |
| Assets per employee ($millions) | 5.5407% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,109 |
| Loan loss allowance to noncurrent loans | 744.5887% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 1,680 |
| Noncurrent loans to loans | 0.1726% | 2,614 |
| Net loans and leases to total assets | 70.1500% | 1,612 |
| Net loans and leases to deposits | 82.4036% | 1,621 |
| Net loans and leases to core deposits | 87.4798% | 1,774 |
| Total domestic deposits to total assets | 85.1300% | 2,821 |
| Equity capital to assets | 9.2338% | 2,332 |
| Core capital (leverage) ratio | 10.1616% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6506% | 1,749 |
| Memoranda: | ||
| Average total assets | $191,248,000 | 3,094 |
| Average earning assets | $179,802,000 | 3,067 |
| Average equity | $17,030,000 | 3,127 |
| Average total loans | $134,004,000 | 2,863 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 1,349 |
| Cost of funding earning assets | 0.5338% | 1,199 |
| Net interest margin | 3.6176% | 1,597 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 2.9005% | 1,124 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0413% | 2,414 |
| Return on assets (ROA) | 0.6500% | 3,707 |
| Pretax return on assets | 0.8580% | 3,467 |
| Return on Equity (ROE) | 7.1800% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.1812% | 2,159 |
| Net charge-offs to loans | -0.0050% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.4153% | 2,304 |
| Assets per employee ($millions) | 5.5461% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,153 |
| Loan loss allowance to noncurrent loans | 334.4498% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 1,327 |
| Noncurrent loans to loans | 0.3116% | 2,033 |
| Net loans and leases to total assets | 68.3800% | 1,797 |
| Net loans and leases to deposits | 82.3833% | 1,590 |
| Net loans and leases to core deposits | 87.6487% | 1,636 |
| Total domestic deposits to total assets | 83.0000% | 3,420 |
| Equity capital to assets | 8.5852% | 2,645 |
| Core capital (leverage) ratio | 10.0172% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1177% | 1,933 |
| Memoranda: | ||
| Average total assets | $188,933,200 | 3,112 |
| Average earning assets | $178,516,600 | 3,078 |
| Average equity | $17,100,200 | 3,199 |
| Average total loans | $120,562,000 | 2,914 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 1,258 |
| Cost of funding earning assets | 0.4544% | 957 |
| Net interest margin | 3.5503% | 1,522 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.7712% | 1,304 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.0478% | 2,288 |
| Return on assets (ROA) | 1.0389% | 2,295 |
| Pretax return on assets | 1.4020% | 1,713 |
| Return on Equity (ROE) | 11.3300% | 2,258 |
| Retained earnings to average equity (ytd only) | 11.3271% | 960 |
| Net charge-offs to loans | -0.0080% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9799% | 2,689 |
| Assets per employee ($millions) | 6.1524% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,162 |
| Loan loss allowance to noncurrent loans | 254.6961% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 1,181 |
| Noncurrent loans to loans | 0.4191% | 1,763 |
| Net loans and leases to total assets | 67.2100% | 1,764 |
| Net loans and leases to deposits | 76.5270% | 1,832 |
| Net loans and leases to core deposits | 80.2809% | 1,878 |
| Total domestic deposits to total assets | 87.8300% | 2,476 |
| Equity capital to assets | 8.2323% | 2,725 |
| Core capital (leverage) ratio | 10.1806% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0707% | 2,033 |
| Memoranda: | ||
| Average total assets | $187,638,500 | 3,147 |
| Average earning assets | $177,522,250 | 3,104 |
| Average equity | $17,209,000 | 3,222 |
| Average total loans | $117,169,000 | 2,960 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 1,228 |
| Cost of funding earning assets | 0.4216% | 797 |
| Net interest margin | 3.4148% | 1,555 |
| Noninterest income to average assets | 0.9828% | 699 |
| Noninterest expense to average assets | 2.8648% | 1,046 |
| Loan and lease loss provision to assets | 0.1340% | 713 |
| Net operating income to assets | 0.9099% | 2,538 |
| Return on assets (ROA) | 0.9099% | 2,507 |
| Pretax return on assets | 1.2218% | 2,000 |
| Return on Equity (ROE) | 9.5869% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.5869% | 1,121 |
| Net charge-offs to loans | -0.0124% | 3,666 |
| Credit loss provision to net charge-offs | -1,785.7143% | 3,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1153% | 2,369 |
| Assets per employee ($millions) | 6.2037% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,502 |
| Loan loss allowance to noncurrent loans | 276.4069% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 1,370 |
| Noncurrent loans to loans | 0.3698% | 2,037 |
| Net loans and leases to total assets | 64.2949% | 1,875 |
| Net loans and leases to deposits | 74.6725% | 1,789 |
| Net loans and leases to core deposits | 78.4454% | 1,827 |
| Total domestic deposits to total assets | 86.1024% | 3,222 |
| Equity capital to assets | 8.5158% | 2,750 |
| Core capital (leverage) ratio | 9.9687% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9296% | 2,088 |
| Memoranda: | ||
| Average total assets | $186,609,667 | 3,187 |
| Average earning assets | $176,936,333 | 3,157 |
| Average equity | $17,711,667 | 3,261 |
| Average total loans | $113,032,667 | 3,029 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 1,324 |
| Cost of funding earning assets | 0.4279% | 735 |
| Net interest margin | 3.2495% | 1,722 |
| Noninterest income to average assets | 1.0079% | 668 |
| Noninterest expense to average assets | 2.8211% | 1,119 |
| Loan and lease loss provision to assets | 0.0697% | 1,178 |
| Net operating income to assets | 0.8968% | 2,280 |
| Return on assets (ROA) | 0.8968% | 2,281 |
| Pretax return on assets | 1.2081% | 1,784 |
| Return on Equity (ROE) | 8.9668% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.9668% | 1,277 |
| Net charge-offs to loans | -0.0075% | 3,485 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0297% | 2,502 |
| Assets per employee ($millions) | 5.6410% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,380 |
| Loan loss allowance to noncurrent loans | 304.3928% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 1,494 |
| Noncurrent loans to loans | 0.3574% | 2,200 |
| Net loans and leases to total assets | 57.5352% | 2,351 |
| Net loans and leases to deposits | 63.8978% | 2,535 |
| Net loans and leases to core deposits | 67.0786% | 2,529 |
| Total domestic deposits to total assets | 90.0425% | 1,538 |
| Equity capital to assets | 9.3913% | 2,370 |
| Core capital (leverage) ratio | 9.9148% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1566% | 1,742 |
| Memoranda: | ||
| Average total assets | $183,757,500 | 3,216 |
| Average earning assets | $174,794,500 | 3,188 |
| Average equity | $18,379,000 | 3,288 |
| Average total loans | $107,086,500 | 3,095 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 1,669 |
| Cost of funding earning assets | 0.5565% | 687 |
| Net interest margin | 3.3219% | 2,253 |
| Noninterest income to average assets | 1.1724% | 772 |
| Noninterest expense to average assets | 2.8429% | 1,264 |
| Loan and lease loss provision to assets | 0.1242% | 986 |
| Net operating income to assets | 1.0020% | 2,659 |
| Return on assets (ROA) | 1.0020% | 2,729 |
| Pretax return on assets | 1.3536% | 2,192 |
| Return on Equity (ROE) | 8.9856% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,209 |
| Net charge-offs to loans | 0.1434% | 654 |
| Credit loss provision to net charge-offs | 142.7586% | 1,527 |
| Earnings coverage of net charge-offs (x) | 16.9862% | 1,958 |
| Efficiency ratio | 65.0882% | 2,386 |
| Assets per employee ($millions) | 5.6676% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,439 |
| Loan loss allowance to noncurrent loans | 310.0271% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 1,610 |
| Noncurrent loans to loans | 0.3485% | 2,332 |
| Net loans and leases to total assets | 57.7560% | 2,398 |
| Net loans and leases to deposits | 64.9838% | 2,596 |
| Net loans and leases to core deposits | 68.2891% | 2,623 |
| Total domestic deposits to total assets | 88.8776% | 1,588 |
| Equity capital to assets | 10.6284% | 2,065 |
| Core capital (leverage) ratio | 10.1094% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1257% | 1,804 |
| Memoranda: | ||
| Average total assets | $166,662,200 | 3,331 |
| Average earning assets | $157,953,000 | 3,298 |
| Average equity | $18,585,200 | 3,340 |
| Average total loans | $101,149,000 | 3,182 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 1,675 |
| Cost of funding earning assets | 0.5884% | 677 |
| Net interest margin | 3.3455% | 2,303 |
| Noninterest income to average assets | 1.2205% | 769 |
| Noninterest expense to average assets | 2.7707% | 1,407 |
| Loan and lease loss provision to assets | 0.1270% | 918 |
| Net operating income to assets | 1.0962% | 2,568 |
| Return on assets (ROA) | 1.0962% | 2,626 |
| Pretax return on assets | 1.4856% | 2,034 |
| Return on Equity (ROE) | 9.7033% | 2,845 |
| Retained earnings to average equity (ytd only) | 9.7033% | 1,408 |
| Net charge-offs to loans | 0.1921% | 439 |
| Credit loss provision to net charge-offs | 107.6389% | 1,535 |
| Earnings coverage of net charge-offs (x) | 13.6875% | 1,914 |
| Efficiency ratio | 62.5047% | 2,609 |
| Assets per employee ($millions) | 5.2236% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,639 |
| Loan loss allowance to noncurrent loans | 364.3333% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 1,971 |
| Noncurrent loans to loans | 0.2898% | 2,755 |
| Net loans and leases to total assets | 59.4136% | 2,331 |
| Net loans and leases to deposits | 67.3156% | 2,508 |
| Net loans and leases to core deposits | 70.9522% | 2,515 |
| Total domestic deposits to total assets | 88.2613% | 1,682 |
| Equity capital to assets | 11.0664% | 1,968 |
| Core capital (leverage) ratio | 10.5671% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6099% | 1,757 |
| Memoranda: | ||
| Average total assets | $162,987,000 | 3,400 |
| Average earning assets | $154,073,250 | 3,363 |
| Average equity | $18,412,500 | 3,395 |
| Average total loans | $99,963,250 | 3,237 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 1,604 |
| Cost of funding earning assets | 0.6024% | 737 |
| Net interest margin | 3.3808% | 2,201 |
| Noninterest income to average assets | 1.2962% | 692 |
| Noninterest expense to average assets | 2.7024% | 1,588 |
| Loan and lease loss provision to assets | 0.1526% | 773 |
| Net operating income to assets | 1.1986% | 2,200 |
| Return on assets (ROA) | 1.1986% | 2,267 |
| Pretax return on assets | 1.6290% | 1,661 |
| Return on Equity (ROE) | 10.5325% | 2,576 |
| Retained earnings to average equity (ytd only) | 10.5325% | 1,243 |
| Net charge-offs to loans | 0.2126% | 405 |
| Credit loss provision to net charge-offs | 116.1905% | 1,280 |
| Earnings coverage of net charge-offs (x) | 13.5619% | 1,693 |
| Efficiency ratio | 59.5424% | 3,075 |
| Assets per employee ($millions) | 5.0894% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,432 |
| Loan loss allowance to noncurrent loans | 256.4103% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 1,763 |
| Noncurrent loans to loans | 0.4273% | 2,397 |
| Net loans and leases to total assets | 60.9731% | 2,311 |
| Net loans and leases to deposits | 69.3765% | 2,484 |
| Net loans and leases to core deposits | 73.9360% | 2,414 |
| Total domestic deposits to total assets | 87.8873% | 1,894 |
| Equity capital to assets | 11.4766% | 1,649 |
| Core capital (leverage) ratio | 10.5923% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7761% | 1,700 |
| Memoranda: | ||
| Average total assets | $159,856,667 | 3,434 |
| Average earning assets | $150,731,333 | 3,404 |
| Average equity | $18,191,333 | 3,410 |
| Average total loans | $98,781,333 | 3,269 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 1,691 |
| Cost of funding earning assets | 0.6256% | 777 |
| Net interest margin | 3.3296% | 2,301 |
| Noninterest income to average assets | 1.2958% | 756 |
| Noninterest expense to average assets | 2.8948% | 1,165 |
| Loan and lease loss provision to assets | 0.1137% | 1,216 |
| Net operating income to assets | 1.0458% | 2,651 |
| Return on assets (ROA) | 1.0458% | 2,734 |
| Pretax return on assets | 1.4196% | 2,227 |
| Return on Equity (ROE) | 9.2300% | 2,949 |
| Retained earnings to average equity (ytd only) | 9.2300% | 1,876 |
| Net charge-offs to loans | 0.0857% | 766 |
| Credit loss provision to net charge-offs | 214.2857% | 871 |
| Earnings coverage of net charge-offs (x) | 28.9048% | 1,110 |
| Efficiency ratio | 64.6321% | 2,392 |
| Assets per employee ($millions) | 4.7237% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,316 |
| Loan loss allowance to noncurrent loans | 202.3810% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 1,143 |
| Noncurrent loans to loans | 0.5554% | 2,191 |
| Net loans and leases to total assets | 60.5261% | 2,477 |
| Net loans and leases to deposits | 68.7390% | 2,622 |
| Net loans and leases to core deposits | 73.6073% | 2,548 |
| Total domestic deposits to total assets | 88.0521% | 1,825 |
| Equity capital to assets | 11.1927% | 1,727 |
| Core capital (leverage) ratio | 10.5985% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7939% | 1,642 |
| Memoranda: | ||
| Average total assets | $158,354,000 | 3,454 |
| Average earning assets | $148,966,000 | 3,428 |
| Average equity | $17,941,500 | 3,425 |
| Average total loans | $97,971,000 | 3,288 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,264 |
| Cost of funding earning assets | 0.8315% | 1,088 |
| Net interest margin | 3.6868% | 1,849 |
| Noninterest income to average assets | 1.5915% | 488 |
| Noninterest expense to average assets | 3.5574% | 640 |
| Loan and lease loss provision to assets | 0.2152% | 1,824 |
| Net operating income to assets | 0.9246% | 2,588 |
| Return on assets (ROA) | 1.0186% | 2,362 |
| Pretax return on assets | 1.3957% | 1,671 |
| Return on Equity (ROE) | 8.7438% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.7438% | 840 |
| Net charge-offs to loans | 0.0590% | 1,932 |
| Credit loss provision to net charge-offs | 545.6140% | 1,184 |
| Earnings coverage of net charge-offs (x) | 37.8246% | 1,430 |
| Efficiency ratio | 69.6039% | 2,004 |
| Assets per employee ($millions) | 4.5913% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,423 |
| Loan loss allowance to noncurrent loans | 157.7259% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 595 |
| Noncurrent loans to loans | 0.7027% | 1,941 |
| Net loans and leases to total assets | 61.8483% | 2,628 |
| Net loans and leases to deposits | 72.5972% | 2,630 |
| Net loans and leases to core deposits | 77.7345% | 2,577 |
| Total domestic deposits to total assets | 85.1938% | 2,685 |
| Equity capital to assets | 11.4713% | 1,905 |
| Core capital (leverage) ratio | 10.6797% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4439% | 1,699 |
| Memoranda: | ||
| Average total assets | $144,513,800 | 3,462 |
| Average earning assets | $135,536,600 | 3,436 |
| Average equity | $16,834,800 | 3,465 |
| Average total loans | $96,668,200 | 3,283 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 1,166 |
| Cost of funding earning assets | 0.8829% | 1,125 |
| Net interest margin | 3.7756% | 1,694 |
| Noninterest income to average assets | 1.6542% | 436 |
| Noninterest expense to average assets | 3.5183% | 689 |
| Loan and lease loss provision to assets | 0.2789% | 1,440 |
| Net operating income to assets | 1.0159% | 2,272 |
| Return on assets (ROA) | 1.0159% | 2,406 |
| Pretax return on assets | 1.3962% | 1,753 |
| Return on Equity (ROE) | 8.6838% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.6838% | 1,081 |
| Net charge-offs to loans | 0.0774% | 1,538 |
| Credit loss provision to net charge-offs | 528.5714% | 1,244 |
| Earnings coverage of net charge-offs (x) | 31.7679% | 1,529 |
| Efficiency ratio | 66.8600% | 2,337 |
| Assets per employee ($millions) | 4.3700% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,243 |
| Loan loss allowance to noncurrent loans | 333.0218% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 886 |
| Noncurrent loans to loans | 0.3284% | 3,106 |
| Net loans and leases to total assets | 65.0633% | 2,635 |
| Net loans and leases to deposits | 76.9808% | 2,654 |
| Net loans and leases to core deposits | 82.7882% | 2,597 |
| Total domestic deposits to total assets | 84.5188% | 2,623 |
| Equity capital to assets | 11.8260% | 1,783 |
| Core capital (leverage) ratio | 10.5899% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5339% | 1,643 |
| Memoranda: | ||
| Average total assets | $141,616,500 | 3,479 |
| Average earning assets | $132,743,250 | 3,464 |
| Average equity | $16,566,750 | 3,500 |
| Average total loans | $96,428,000 | 3,295 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 1,302 |
| Cost of funding earning assets | 0.9367% | 1,206 |
| Net interest margin | 3.8051% | 1,823 |
| Noninterest income to average assets | 1.6871% | 373 |
| Noninterest expense to average assets | 3.5651% | 684 |
| Loan and lease loss provision to assets | 0.3274% | 1,304 |
| Net operating income to assets | 0.9878% | 2,371 |
| Return on assets (ROA) | 0.9878% | 2,504 |
| Pretax return on assets | 1.3583% | 1,841 |
| Return on Equity (ROE) | 8.4771% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.4771% | 1,168 |
| Net charge-offs to loans | 0.1000% | 1,272 |
| Credit loss provision to net charge-offs | 475.0000% | 1,272 |
| Earnings coverage of net charge-offs (x) | 24.4583% | 1,577 |
| Efficiency ratio | 66.9128% | 2,393 |
| Assets per employee ($millions) | 4.4142% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,336 |
| Loan loss allowance to noncurrent loans | 402.8000% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 903 |
| Noncurrent loans to loans | 0.2598% | 3,453 |
| Net loans and leases to total assets | 63.4526% | 2,942 |
| Net loans and leases to deposits | 74.6488% | 3,012 |
| Net loans and leases to core deposits | 82.8968% | 2,707 |
| Total domestic deposits to total assets | 85.0015% | 2,402 |
| Equity capital to assets | 11.3098% | 2,118 |
| Core capital (leverage) ratio | 10.9162% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7082% | 1,569 |
| Memoranda: | ||
| Average total assets | $139,295,333 | 3,488 |
| Average earning assets | $130,455,667 | 3,467 |
| Average equity | $16,232,000 | 3,526 |
| Average total loans | $95,990,667 | 3,302 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 1,235 |
| Cost of funding earning assets | 1.0531% | 1,208 |
| Net interest margin | 3.8294% | 1,878 |
| Noninterest income to average assets | 1.5295% | 380 |
| Noninterest expense to average assets | 3.7400% | 676 |
| Loan and lease loss provision to assets | 0.2689% | 1,161 |
| Net operating income to assets | 0.8066% | 2,886 |
| Return on assets (ROA) | 0.8066% | 2,974 |
| Pretax return on assets | 1.1053% | 2,502 |
| Return on Equity (ROE) | 6.8092% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.8092% | 1,606 |
| Net charge-offs to loans | 0.2128% | 657 |
| Credit loss provision to net charge-offs | 176.4706% | 1,481 |
| Earnings coverage of net charge-offs (x) | 9.0196% | 1,839 |
| Efficiency ratio | 71.9042% | 2,090 |
| Assets per employee ($millions) | 4.0653% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 4,115 |
| Loan loss allowance to noncurrent loans | 144.2596% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.5631% | 670 |
| Noncurrent loans to loans | 0.6224% | 2,436 |
| Net loans and leases to total assets | 71.3349% | 2,030 |
| Net loans and leases to deposits | 81.7669% | 2,481 |
| Net loans and leases to core deposits | 88.9604% | 2,448 |
| Total domestic deposits to total assets | 87.2417% | 1,450 |
| Equity capital to assets | 11.9764% | 2,088 |
| Core capital (leverage) ratio | 11.3070% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2491% | 1,540 |
| Memoranda: | ||
| Average total assets | $133,902,000 | 3,534 |
| Average earning assets | $125,345,000 | 3,502 |
| Average equity | $15,861,000 | 3,569 |
| Average total loans | $95,867,000 | 3,283 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 1,200 |
| Cost of funding earning assets | 1.1061% | 1,296 |
| Net interest margin | 4.0004% | 1,860 |
| Noninterest income to average assets | 1.3694% | 516 |
| Noninterest expense to average assets | 3.5677% | 878 |
| Loan and lease loss provision to assets | 0.6839% | 166 |
| Net operating income to assets | 0.5743% | 4,234 |
| Return on assets (ROA) | 0.6659% | 4,041 |
| Pretax return on assets | 0.9738% | 3,533 |
| Return on Equity (ROE) | 5.5778% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.5778% | 2,116 |
| Net charge-offs to loans | 1.0812% | 148 |
| Credit loss provision to net charge-offs | 85.2539% | 2,728 |
| Earnings coverage of net charge-offs (x) | 1.9219% | 3,474 |
| Efficiency ratio | 68.5526% | 2,379 |
| Assets per employee ($millions) | 4.1765% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,083 |
| Loan loss allowance to noncurrent loans | 62.0690% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5765% | 624 |
| Noncurrent loans to loans | 1.4017% | 1,045 |
| Net loans and leases to total assets | 70.5877% | 2,305 |
| Net loans and leases to deposits | 80.5924% | 2,712 |
| Net loans and leases to core deposits | 86.7007% | 2,735 |
| Total domestic deposits to total assets | 87.5860% | 1,326 |
| Equity capital to assets | 11.7136% | 2,345 |
| Core capital (leverage) ratio | 11.1483% | 2,377 |
| Tier 1 risk-based capital ratio | 15.3373% | 2,641 |
| Total risk-based capital ratio | 16.1989% | 2,742 |
| Memoranda: | ||
| Average total assets | $127,644,000 | 3,593 |
| Average earning assets | $119,336,800 | 3,567 |
| Average equity | $15,239,000 | 3,617 |
| Average total loans | $94,712,600 | 3,300 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0971% | 1,288 |
| Cost of funding earning assets | 1.1082% | 1,315 |
| Net interest margin | 3.9889% | 1,978 |
| Noninterest income to average assets | 1.3815% | 481 |
| Noninterest expense to average assets | 3.6180% | 828 |
| Loan and lease loss provision to assets | 0.8509% | 119 |
| Net operating income to assets | 0.5191% | 4,469 |
| Return on assets (ROA) | 0.6458% | 4,219 |
| Pretax return on assets | 0.7938% | 4,130 |
| Return on Equity (ROE) | 5.3826% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.3826% | 2,685 |
| Net charge-offs to loans | 1.3291% | 104 |
| Credit loss provision to net charge-offs | 85.3659% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.4931% | 3,283 |
| Efficiency ratio | 69.5715% | 2,179 |
| Assets per employee ($millions) | 4.1442% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 4,142 |
| Loan loss allowance to noncurrent loans | 43.7728% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.6369% | 636 |
| Noncurrent loans to loans | 1.9966% | 676 |
| Net loans and leases to total assets | 74.1576% | 1,780 |
| Net loans and leases to deposits | 85.2087% | 2,300 |
| Net loans and leases to core deposits | 91.9569% | 2,375 |
| Total domestic deposits to total assets | 87.0305% | 1,495 |
| Equity capital to assets | 12.0798% | 2,196 |
| Core capital (leverage) ratio | 11.1250% | 2,536 |
| Tier 1 risk-based capital ratio | 15.1240% | 2,794 |
| Total risk-based capital ratio | 16.0015% | 2,896 |
| Memoranda: | ||
| Average total assets | $126,143,000 | 3,649 |
| Average earning assets | $117,790,000 | 3,624 |
| Average equity | $15,135,000 | 3,661 |
| Average total loans | $94,599,000 | 3,342 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 1,430 |
| Cost of funding earning assets | 1.0891% | 1,342 |
| Net interest margin | 3.9290% | 2,158 |
| Noninterest income to average assets | 1.4757% | 411 |
| Noninterest expense to average assets | 3.6549% | 792 |
| Loan and lease loss provision to assets | 0.4674% | 255 |
| Net operating income to assets | 0.7946% | 3,677 |
| Return on assets (ROA) | 0.9811% | 3,057 |
| Pretax return on assets | 1.2555% | 2,723 |
| Return on Equity (ROE) | 8.1962% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.1962% | 1,315 |
| Net charge-offs to loans | 1.1435% | 115 |
| Credit loss provision to net charge-offs | 54.4610% | 2,439 |
| Earnings coverage of net charge-offs (x) | 1.7323% | 3,000 |
| Efficiency ratio | 69.7797% | 2,260 |
| Assets per employee ($millions) | 4.2064% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,514 |
| Loan loss allowance to noncurrent loans | 38.4092% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.7761% | 571 |
| Noncurrent loans to loans | 2.0272% | 697 |
| Net loans and leases to total assets | 71.7304% | 2,248 |
| Net loans and leases to deposits | 82.0598% | 2,725 |
| Net loans and leases to core deposits | 88.6008% | 2,738 |
| Total domestic deposits to total assets | 87.4124% | 1,381 |
| Equity capital to assets | 11.8169% | 2,327 |
| Core capital (leverage) ratio | 11.3954% | 2,247 |
| Tier 1 risk-based capital ratio | 15.3935% | 2,661 |
| Total risk-based capital ratio | 16.1746% | 2,796 |
| Memoranda: | ||
| Average total assets | $125,367,000 | 3,684 |
| Average earning assets | $116,976,000 | 3,661 |
| Average equity | $15,007,000 | 3,679 |
| Average total loans | $94,095,000 | 3,373 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 1,192 |
| Cost of funding earning assets | 1.0619% | 1,327 |
| Net interest margin | 3.9995% | 1,854 |
| Noninterest income to average assets | 1.5368% | 363 |
| Noninterest expense to average assets | 3.7541% | 695 |
| Loan and lease loss provision to assets | 0.2605% | 547 |
| Net operating income to assets | 0.9214% | 3,156 |
| Return on assets (ROA) | 0.9214% | 3,191 |
| Pretax return on assets | 1.2503% | 2,627 |
| Return on Equity (ROE) | 7.6455% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.6455% | 1,788 |
| Net charge-offs to loans | 0.0085% | 2,386 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 342 |
| Efficiency ratio | 70.0062% | 2,339 |
| Assets per employee ($millions) | 3.9439% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,031 |
| Loan loss allowance to noncurrent loans | 107.6531% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 1,491 |
| Noncurrent loans to loans | 1.0376% | 1,612 |
| Net loans and leases to total assets | 73.9981% | 1,803 |
| Net loans and leases to deposits | 84.8213% | 2,280 |
| Net loans and leases to core deposits | 91.1086% | 2,390 |
| Total domestic deposits to total assets | 87.2399% | 1,694 |
| Equity capital to assets | 11.9083% | 2,079 |
| Core capital (leverage) ratio | 11.5933% | 2,060 |
| Tier 1 risk-based capital ratio | 15.5050% | 2,650 |
| Total risk-based capital ratio | 16.6643% | 2,607 |
| Memoranda: | ||
| Average total assets | $122,851,500 | 3,751 |
| Average earning assets | $114,515,500 | 3,740 |
| Average equity | $14,806,000 | 3,712 |
| Average total loans | $94,008,000 | 3,408 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 1,002 |
| Cost of funding earning assets | 0.8905% | 1,134 |
| Net interest margin | 4.1319% | 1,582 |
| Noninterest income to average assets | 1.2228% | 619 |
| Noninterest expense to average assets | 3.6845% | 789 |
| Loan and lease loss provision to assets | 0.0700% | 2,735 |
| Net operating income to assets | 1.0523% | 2,794 |
| Return on assets (ROA) | 0.9916% | 3,044 |
| Pretax return on assets | 1.2524% | 2,687 |
| Return on Equity (ROE) | 8.4032% | 3,268 |
| Retained earnings to average equity (ytd only) | 8.4032% | 1,079 |
| Net charge-offs to loans | 0.0284% | 2,841 |
| Credit loss provision to net charge-offs | 319.2308% | 981 |
| Earnings coverage of net charge-offs (x) | 63.7692% | 986 |
| Efficiency ratio | 71.0989% | 2,034 |
| Assets per employee ($millions) | 3.7343% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,420 |
| Loan loss allowance to noncurrent loans | 417.9487% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 3,215 |
| Noncurrent loans to loans | 0.2501% | 3,686 |
| Net loans and leases to total assets | 77.4856% | 1,356 |
| Net loans and leases to deposits | 88.9360% | 1,938 |
| Net loans and leases to core deposits | 95.1917% | 2,117 |
| Total domestic deposits to total assets | 87.1252% | 1,719 |
| Equity capital to assets | 12.2037% | 1,756 |
| Core capital (leverage) ratio | 11.5925% | 2,028 |
| Tier 1 risk-based capital ratio | 15.3835% | 2,671 |
| Total risk-based capital ratio | 16.4732% | 2,665 |
| Memoranda: | ||
| Average total assets | $118,495,800 | 3,812 |
| Average earning assets | $110,723,200 | 3,792 |
| Average equity | $13,982,800 | 3,752 |
| Average total loans | $91,400,000 | 3,451 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 1,068 |
| Cost of funding earning assets | 0.8592% | 1,077 |
| Net interest margin | 4.0824% | 1,685 |
| Noninterest income to average assets | 1.2088% | 652 |
| Noninterest expense to average assets | 3.5575% | 909 |
| Loan and lease loss provision to assets | 0.0767% | 2,427 |
| Net operating income to assets | 1.0904% | 2,707 |
| Return on assets (ROA) | 1.0904% | 2,721 |
| Pretax return on assets | 1.3892% | 2,270 |
| Return on Equity (ROE) | 9.3206% | 2,947 |
| Retained earnings to average equity (ytd only) | 9.3206% | 1,109 |
| Net charge-offs to loans | 0.0470% | 2,158 |
| Credit loss provision to net charge-offs | 212.5000% | 1,323 |
| Earnings coverage of net charge-offs (x) | 40.6208% | 1,342 |
| Efficiency ratio | 69.4276% | 2,281 |
| Assets per employee ($millions) | 3.8541% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,620 |
| Loan loss allowance to noncurrent loans | 339.0071% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 3,108 |
| Noncurrent loans to loans | 0.3023% | 3,596 |
| Net loans and leases to total assets | 77.2803% | 1,451 |
| Net loans and leases to deposits | 88.5773% | 2,081 |
| Net loans and leases to core deposits | 94.5376% | 2,243 |
| Total domestic deposits to total assets | 87.2462% | 1,622 |
| Equity capital to assets | 11.9235% | 1,954 |
| Core capital (leverage) ratio | 11.5004% | 2,165 |
| Tier 1 risk-based capital ratio | 15.2058% | 2,782 |
| Total risk-based capital ratio | 16.2764% | 2,793 |
| Memoranda: | ||
| Average total assets | $118,245,500 | 3,855 |
| Average earning assets | $110,486,750 | 3,835 |
| Average equity | $13,832,750 | 3,798 |
| Average total loans | $90,857,250 | 3,489 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 1,105 |
| Cost of funding earning assets | 0.8342% | 990 |
| Net interest margin | 4.0272% | 1,771 |
| Noninterest income to average assets | 1.2390% | 628 |
| Noninterest expense to average assets | 3.5541% | 924 |
| Loan and lease loss provision to assets | 0.0815% | 2,278 |
| Net operating income to assets | 1.0744% | 2,692 |
| Return on assets (ROA) | 1.0744% | 2,697 |
| Pretax return on assets | 1.3646% | 2,278 |
| Return on Equity (ROE) | 9.2442% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.2442% | 1,145 |
| Net charge-offs to loans | 0.0666% | 1,670 |
| Credit loss provision to net charge-offs | 160.0000% | 1,513 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 1,556 |
| Efficiency ratio | 69.6538% | 2,373 |
| Assets per employee ($millions) | 3.7407% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,762 |
| Loan loss allowance to noncurrent loans | 305.5375% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 3,060 |
| Noncurrent loans to loans | 0.3309% | 3,514 |
| Net loans and leases to total assets | 76.7124% | 1,528 |
| Net loans and leases to deposits | 87.6764% | 2,150 |
| Net loans and leases to core deposits | 92.8408% | 2,323 |
| Total domestic deposits to total assets | 87.4949% | 1,650 |
| Equity capital to assets | 11.6731% | 2,078 |
| Core capital (leverage) ratio | 11.1353% | 2,405 |
| Tier 1 risk-based capital ratio | 14.9045% | 2,919 |
| Total risk-based capital ratio | 15.9618% | 2,943 |
| Memoranda: | ||
| Average total assets | $117,834,670 | 3,892 |
| Average earning assets | $110,051,000 | 3,873 |
| Average equity | $13,695,000 | 3,839 |
| Average total loans | $90,046,670 | 3,514 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 1,254 |
| Cost of funding earning assets | 0.7811% | 1,040 |
| Net interest margin | 3.9420% | 1,890 |
| Noninterest income to average assets | 1.2010% | 639 |
| Noninterest expense to average assets | 3.5278% | 951 |
| Loan and lease loss provision to assets | 0.0513% | 2,751 |
| Net operating income to assets | 1.0642% | 2,590 |
| Return on assets (ROA) | 1.0642% | 2,602 |
| Pretax return on assets | 1.3003% | 2,367 |
| Return on Equity (ROE) | 9.1767% | 2,818 |
| Retained earnings to average equity (ytd only) | 9.1767% | 1,403 |
| Net charge-offs to loans | 0.0361% | 1,801 |
| Credit loss provision to net charge-offs | 187.5000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 49.3750% | 950 |
| Efficiency ratio | 70.8275% | 2,372 |
| Assets per employee ($millions) | 3.7708% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,710 |
| Loan loss allowance to noncurrent loans | 133.9595% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.9671% | 1,633 |
| Noncurrent loans to loans | 0.7784% | 2,256 |
| Net loans and leases to total assets | 72.9033% | 2,039 |
| Net loans and leases to deposits | 82.9097% | 2,510 |
| Net loans and leases to core deposits | 87.7556% | 2,652 |
| Total domestic deposits to total assets | 87.9309% | 1,656 |
| Equity capital to assets | 11.3290% | 2,276 |
| Core capital (leverage) ratio | 11.1291% | 2,310 |
| Tier 1 risk-based capital ratio | 15.0308% | 2,853 |
| Total risk-based capital ratio | 16.1124% | 2,878 |
| Memoranda: | ||
| Average total assets | $116,900,500 | 3,951 |
| Average earning assets | $109,081,000 | 3,929 |
| Average equity | $13,556,000 | 3,895 |
| Average total loans | $88,687,500 | 3,575 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 1,098 |
| Cost of funding earning assets | 0.6217% | 1,459 |
| Net interest margin | 4.1185% | 1,376 |
| Noninterest income to average assets | 1.3161% | 613 |
| Noninterest expense to average assets | 3.5313% | 985 |
| Loan and lease loss provision to assets | 0.0631% | 2,970 |
| Net operating income to assets | 1.1248% | 1,769 |
| Return on assets (ROA) | 1.1341% | 1,772 |
| Pretax return on assets | 1.6503% | 1,155 |
| Return on Equity (ROE) | 9.8255% | 1,965 |
| Retained earnings to average equity (ytd only) | 9.8255% | 379 |
| Net charge-offs to loans | 0.0845% | 2,250 |
| Credit loss provision to net charge-offs | 97.2222% | 2,655 |
| Earnings coverage of net charge-offs (x) | 26.2083% | 1,685 |
| Efficiency ratio | 66.5404% | 3,162 |
| Assets per employee ($millions) | 3.5355% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,689 |
| Loan loss allowance to noncurrent loans | 224.9389% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 1,993 |
| Noncurrent loans to loans | 0.4623% | 3,124 |
| Net loans and leases to total assets | 77.3929% | 1,364 |
| Net loans and leases to deposits | 88.6217% | 1,940 |
| Net loans and leases to core deposits | 93.2263% | 2,264 |
| Total domestic deposits to total assets | 87.3295% | 1,847 |
| Equity capital to assets | 11.8812% | 1,923 |
| Core capital (leverage) ratio | 11.3068% | 2,092 |
| Tier 1 risk-based capital ratio | 15.2537% | 2,725 |
| Total risk-based capital ratio | 16.3578% | 2,734 |
| Memoranda: | ||
| Average total assets | $111,008,400 | 4,042 |
| Average earning assets | $105,523,600 | 3,995 |
| Average equity | $12,813,600 | 4,010 |
| Average total loans | $85,202,800 | 3,631 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,186 |
| Cost of funding earning assets | 0.5935% | 1,577 |
| Net interest margin | 4.0850% | 1,428 |
| Noninterest income to average assets | 1.1321% | 786 |
| Noninterest expense to average assets | 3.3551% | 1,236 |
| Loan and lease loss provision to assets | 0.0664% | 2,740 |
| Net operating income to assets | 1.2102% | 1,650 |
| Return on assets (ROA) | 1.2238% | 1,629 |
| Pretax return on assets | 1.6329% | 1,304 |
| Return on Equity (ROE) | 10.6898% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.6898% | 460 |
| Net charge-offs to loans | 0.0363% | 2,711 |
| Credit loss provision to net charge-offs | 239.1304% | 1,175 |
| Earnings coverage of net charge-offs (x) | 60.5572% | 985 |
| Efficiency ratio | 65.7800% | 3,252 |
| Assets per employee ($millions) | 3.3675% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,572 |
| Loan loss allowance to noncurrent loans | 241.5190% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 2,894 |
| Noncurrent loans to loans | 0.4495% | 3,354 |
| Net loans and leases to total assets | 78.2179% | 1,237 |
| Net loans and leases to deposits | 89.7908% | 1,835 |
| Net loans and leases to core deposits | 94.3000% | 2,245 |
| Total domestic deposits to total assets | 87.1113% | 1,822 |
| Equity capital to assets | 11.9178% | 2,019 |
| Core capital (leverage) ratio | 11.2440% | 2,224 |
| Tier 1 risk-based capital ratio | 15.3661% | 2,764 |
| Total risk-based capital ratio | 16.5436% | 2,734 |
| Memoranda: | ||
| Average total assets | $110,475,000 | 4,100 |
| Average earning assets | $105,588,250 | 4,034 |
| Average equity | $12,647,250 | 4,078 |
| Average total loans | $84,383,500 | 3,677 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,252 |
| Cost of funding earning assets | 0.5573% | 1,730 |
| Net interest margin | 4.0413% | 1,483 |
| Noninterest income to average assets | 1.0829% | 849 |
| Noninterest expense to average assets | 3.2760% | 1,419 |
| Loan and lease loss provision to assets | 0.0726% | 2,522 |
| Net operating income to assets | 1.2518% | 1,434 |
| Return on assets (ROA) | 1.2716% | 1,398 |
| Pretax return on assets | 1.6271% | 1,257 |
| Return on Equity (ROE) | 11.2626% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.2626% | 405 |
| Net charge-offs to loans | 0.0673% | 1,965 |
| Credit loss provision to net charge-offs | 142.8571% | 1,565 |
| Earnings coverage of net charge-offs (x) | 32.9643% | 1,400 |
| Efficiency ratio | 65.6651% | 3,403 |
| Assets per employee ($millions) | 3.6471% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,735 |
| Loan loss allowance to noncurrent loans | 494.1799% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,707 |
| Noncurrent loans to loans | 0.2168% | 4,257 |
| Net loans and leases to total assets | 76.2867% | 1,502 |
| Net loans and leases to deposits | 87.8299% | 2,006 |
| Net loans and leases to core deposits | 92.4258% | 2,300 |
| Total domestic deposits to total assets | 86.8573% | 2,014 |
| Equity capital to assets | 11.4294% | 2,388 |
| Core capital (leverage) ratio | 10.9431% | 2,466 |
| Tier 1 risk-based capital ratio | 15.2325% | 2,832 |
| Total risk-based capital ratio | 16.4065% | 2,794 |
| Memoranda: | ||
| Average total assets | $110,257,330 | 4,128 |
| Average earning assets | $105,511,670 | 4,060 |
| Average equity | $12,448,330 | 4,121 |
| Average total loans | $83,219,330 | 3,714 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,424 |
| Cost of funding earning assets | 0.5361% | 1,815 |
| Net interest margin | 3.9439% | 1,626 |
| Noninterest income to average assets | 0.6430% | 2,212 |
| Noninterest expense to average assets | 3.1932% | 1,629 |
| Loan and lease loss provision to assets | 0.0551% | 2,704 |
| Net operating income to assets | 0.8415% | 3,033 |
| Return on assets (ROA) | 0.8415% | 3,078 |
| Pretax return on assets | 1.1795% | 2,682 |
| Return on Equity (ROE) | 7.5011% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.5011% | 1,650 |
| Net charge-offs to loans | 0.0886% | 1,459 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,558 |
| Efficiency ratio | 72.1162% | 2,552 |
| Assets per employee ($millions) | 3.7287% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,560 |
| Loan loss allowance to noncurrent loans | 376.6393% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 3,688 |
| Noncurrent loans to loans | 0.2982% | 4,049 |
| Net loans and leases to total assets | 74.8123% | 1,614 |
| Net loans and leases to deposits | 85.6559% | 2,069 |
| Net loans and leases to core deposits | 90.4725% | 2,315 |
| Total domestic deposits to total assets | 87.3405% | 2,054 |
| Equity capital to assets | 11.4360% | 2,229 |
| Core capital (leverage) ratio | 11.3542% | 2,057 |
| Tier 1 risk-based capital ratio | 17.2442% | 2,111 |
| Total risk-based capital ratio | 18.4932% | 2,057 |
| Memoranda: | ||
| Average total assets | $108,856,500 | 4,193 |
| Average earning assets | $104,466,000 | 4,116 |
| Average equity | $12,211,500 | 4,182 |
| Average total loans | $81,237,500 | 3,789 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,145 |
| Cost of funding earning assets | 0.5572% | 1,623 |
| Net interest margin | 3.7404% | 2,536 |
| Noninterest income to average assets | 0.7120% | 2,121 |
| Noninterest expense to average assets | 3.2408% | 1,698 |
| Loan and lease loss provision to assets | 0.0947% | 2,472 |
| Net operating income to assets | 0.6728% | 3,899 |
| Return on assets (ROA) | 0.6962% | 3,907 |
| Pretax return on assets | 0.9933% | 3,498 |
| Return on Equity (ROE) | 6.3271% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.3271% | 1,546 |
| Net charge-offs to loans | 0.0798% | 2,547 |
| Credit loss provision to net charge-offs | 164.5161% | 1,682 |
| Earnings coverage of net charge-offs (x) | 18.3226% | 1,975 |
| Efficiency ratio | 75.4485% | 2,071 |
| Assets per employee ($millions) | 3.9136% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,480 |
| Loan loss allowance to noncurrent loans | 354.2308% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 3,328 |
| Noncurrent loans to loans | 0.3223% | 3,992 |
| Net loans and leases to total assets | 72.7672% | 2,049 |
| Net loans and leases to deposits | 85.1876% | 2,278 |
| Net loans and leases to core deposits | 89.7588% | 2,527 |
| Total domestic deposits to total assets | 85.4199% | 2,870 |
| Equity capital to assets | 11.0028% | 2,626 |
| Core capital (leverage) ratio | 11.2037% | 2,166 |
| Tier 1 risk-based capital ratio | 16.8153% | 2,225 |
| Total risk-based capital ratio | 18.0645% | 2,176 |
| Memoranda: | ||
| Average total assets | $107,721,800 | 4,212 |
| Average earning assets | $103,197,400 | 4,132 |
| Average equity | $11,853,800 | 4,270 |
| Average total loans | $77,672,400 | 3,855 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,199 |
| Cost of funding earning assets | 0.5488% | 1,704 |
| Net interest margin | 3.7391% | 2,558 |
| Noninterest income to average assets | 0.7247% | 2,060 |
| Noninterest expense to average assets | 3.1972% | 1,778 |
| Loan and lease loss provision to assets | 0.1082% | 2,121 |
| Net operating income to assets | 0.6987% | 3,854 |
| Return on assets (ROA) | 0.7222% | 3,864 |
| Pretax return on assets | 1.0355% | 3,493 |
| Return on Equity (ROE) | 6.5632% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.5632% | 1,867 |
| Net charge-offs to loans | 0.1040% | 1,907 |
| Credit loss provision to net charge-offs | 145.0000% | 1,811 |
| Earnings coverage of net charge-offs (x) | 14.8830% | 2,219 |
| Efficiency ratio | 74.2280% | 2,240 |
| Assets per employee ($millions) | 3.8292% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,401 |
| Loan loss allowance to noncurrent loans | 341.3534% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 3,460 |
| Noncurrent loans to loans | 0.3442% | 4,022 |
| Net loans and leases to total assets | 71.2350% | 2,309 |
| Net loans and leases to deposits | 80.6130% | 2,897 |
| Net loans and leases to core deposits | 84.9198% | 3,041 |
| Total domestic deposits to total assets | 88.3666% | 1,201 |
| Equity capital to assets | 11.3070% | 2,697 |
| Core capital (leverage) ratio | 11.2082% | 2,265 |
| Tier 1 risk-based capital ratio | 17.0470% | 2,211 |
| Total risk-based capital ratio | 18.2971% | 2,168 |
| Memoranda: | ||
| Average total assets | $107,257,000 | 4,255 |
| Average earning assets | $102,767,000 | 4,171 |
| Average equity | $11,803,000 | 4,321 |
| Average total loans | $76,925,500 | 3,905 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 2,293 |
| Cost of funding earning assets | 0.5373% | 1,801 |
| Net interest margin | 3.7241% | 2,599 |
| Noninterest income to average assets | 0.6022% | 2,608 |
| Noninterest expense to average assets | 3.2535% | 1,688 |
| Loan and lease loss provision to assets | 0.0858% | 2,430 |
| Net operating income to assets | 0.5908% | 4,319 |
| Return on assets (ROA) | 0.5948% | 4,421 |
| Pretax return on assets | 0.8353% | 4,173 |
| Return on Equity (ROE) | 5.4547% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.4547% | 2,449 |
| Net charge-offs to loans | 0.1120% | 1,708 |
| Credit loss provision to net charge-offs | 106.9767% | 2,004 |
| Earnings coverage of net charge-offs (x) | 11.4186% | 2,260 |
| Efficiency ratio | 78.0411% | 1,786 |
| Assets per employee ($millions) | 4.0272% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 3,553 |
| Loan loss allowance to noncurrent loans | 169.8077% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 2,871 |
| Noncurrent loans to loans | 0.6859% | 3,020 |
| Net loans and leases to total assets | 68.9131% | 2,646 |
| Net loans and leases to deposits | 78.2751% | 3,127 |
| Net loans and leases to core deposits | 82.4017% | 3,230 |
| Total domestic deposits to total assets | 88.0396% | 1,418 |
| Equity capital to assets | 10.9699% | 3,094 |
| Core capital (leverage) ratio | 10.9002% | 2,527 |
| Tier 1 risk-based capital ratio | 17.5433% | 2,056 |
| Total risk-based capital ratio | 18.7930% | 2,023 |
| Memoranda: | ||
| Average total assets | $107,270,330 | 4,282 |
| Average earning assets | $102,735,670 | 4,205 |
| Average equity | $11,696,330 | 4,367 |
| Average total loans | $76,806,000 | 3,928 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,241 |
| Cost of funding earning assets | 0.5332% | 1,841 |
| Net interest margin | 3.7365% | 2,533 |
| Noninterest income to average assets | 0.4881% | 3,209 |
| Noninterest expense to average assets | 3.2289% | 1,765 |
| Loan and lease loss provision to assets | 0.0563% | 2,818 |
| Net operating income to assets | 0.5922% | 4,215 |
| Return on assets (ROA) | 0.6007% | 4,288 |
| Pretax return on assets | 0.7922% | 4,218 |
| Return on Equity (ROE) | 5.5265% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.5265% | 2,626 |
| Net charge-offs to loans | 0.1449% | 1,244 |
| Credit loss provision to net charge-offs | 53.5714% | 2,023 |
| Earnings coverage of net charge-offs (x) | 7.9643% | 2,100 |
| Efficiency ratio | 79.4090% | 1,680 |
| Assets per employee ($millions) | 3.9522% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,899 |
| Loan loss allowance to noncurrent loans | 90.5109% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 2,060 |
| Noncurrent loans to loans | 1.2453% | 1,943 |
| Net loans and leases to total assets | 71.3523% | 2,136 |
| Net loans and leases to deposits | 80.7834% | 2,694 |
| Net loans and leases to core deposits | 85.1012% | 2,835 |
| Total domestic deposits to total assets | 88.3254% | 1,451 |
| Equity capital to assets | 10.9371% | 3,009 |
| Core capital (leverage) ratio | 10.9728% | 2,431 |
| Tier 1 risk-based capital ratio | 17.2230% | 2,204 |
| Total risk-based capital ratio | 18.4726% | 2,173 |
| Memoranda: | ||
| Average total assets | $106,538,500 | 4,333 |
| Average earning assets | $102,020,000 | 4,253 |
| Average equity | $11,580,500 | 4,403 |
| Average total loans | $77,301,500 | 3,935 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,268 |
| Cost of funding earning assets | 0.5123% | 2,050 |
| Net interest margin | 3.7716% | 2,474 |
| Noninterest income to average assets | 0.6061% | 2,688 |
| Noninterest expense to average assets | 3.1400% | 2,117 |
| Loan and lease loss provision to assets | 0.1387% | 1,709 |
| Net operating income to assets | 0.6287% | 4,146 |
| Return on assets (ROA) | 0.6866% | 3,979 |
| Pretax return on assets | 1.0260% | 3,360 |
| Return on Equity (ROE) | 6.3410% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.3410% | 1,636 |
| Net charge-offs to loans | 0.0993% | 2,424 |
| Credit loss provision to net charge-offs | 198.6111% | 1,413 |
| Earnings coverage of net charge-offs (x) | 15.4444% | 2,201 |
| Efficiency ratio | 74.4368% | 2,509 |
| Assets per employee ($millions) | 3.9395% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,841 |
| Loan loss allowance to noncurrent loans | 118.1208% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2513% | 1,709 |
| Noncurrent loans to loans | 0.9601% | 2,407 |
| Net loans and leases to total assets | 72.1229% | 2,030 |
| Net loans and leases to deposits | 81.4549% | 2,656 |
| Net loans and leases to core deposits | 84.1764% | 2,951 |
| Total domestic deposits to total assets | 88.5434% | 1,356 |
| Equity capital to assets | 10.8022% | 3,026 |
| Core capital (leverage) ratio | 10.9770% | 2,429 |
| Tier 1 risk-based capital ratio | 16.3929% | 2,531 |
| Total risk-based capital ratio | 17.6418% | 2,490 |
| Memoranda: | ||
| Average total assets | $103,121,400 | 4,404 |
| Average earning assets | $98,765,000 | 4,319 |
| Average equity | $11,165,400 | 4,444 |
| Average total loans | $72,507,400 | 4,034 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,359 |
| Cost of funding earning assets | 0.5046% | 2,170 |
| Net interest margin | 3.7570% | 2,536 |
| Noninterest income to average assets | 0.6086% | 2,694 |
| Noninterest expense to average assets | 3.1342% | 2,129 |
| Loan and lease loss provision to assets | 0.1668% | 1,266 |
| Net operating income to assets | 0.6078% | 4,346 |
| Return on assets (ROA) | 0.6855% | 4,083 |
| Pretax return on assets | 1.0230% | 3,527 |
| Return on Equity (ROE) | 6.3272% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.3272% | 2,052 |
| Net charge-offs to loans | 0.0805% | 2,407 |
| Credit loss provision to net charge-offs | 297.6744% | 973 |
| Earnings coverage of net charge-offs (x) | 19.1634% | 1,961 |
| Efficiency ratio | 74.4813% | 2,477 |
| Assets per employee ($millions) | 3.7973% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,795 |
| Loan loss allowance to noncurrent loans | 123.1087% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 2,876 |
| Noncurrent loans to loans | 0.9536% | 2,594 |
| Net loans and leases to total assets | 73.4828% | 1,824 |
| Net loans and leases to deposits | 85.1962% | 2,251 |
| Net loans and leases to core deposits | 86.8181% | 2,769 |
| Total domestic deposits to total assets | 86.2513% | 2,410 |
| Equity capital to assets | 11.0489% | 2,962 |
| Core capital (leverage) ratio | 11.0577% | 2,424 |
| Tier 1 risk-based capital ratio | 16.6391% | 2,505 |
| Total risk-based capital ratio | 17.8888% | 2,467 |
| Memoranda: | ||
| Average total assets | $102,310,000 | 4,462 |
| Average earning assets | $98,020,000 | 4,381 |
| Average equity | $11,084,250 | 4,514 |
| Average total loans | $71,235,500 | 4,103 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,552 |
| Cost of funding earning assets | 0.5023% | 2,231 |
| Net interest margin | 3.6936% | 2,734 |
| Noninterest income to average assets | 0.6182% | 2,636 |
| Noninterest expense to average assets | 3.1456% | 2,133 |
| Loan and lease loss provision to assets | 0.0763% | 2,595 |
| Net operating income to assets | 0.6633% | 4,066 |
| Return on assets (ROA) | 0.7258% | 3,882 |
| Pretax return on assets | 1.0231% | 3,484 |
| Return on Equity (ROE) | 6.7436% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.7436% | 1,821 |
| Net charge-offs to loans | 0.1265% | 1,744 |
| Credit loss provision to net charge-offs | 88.6364% | 2,219 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 2,263 |
| Efficiency ratio | 75.6706% | 2,415 |
| Assets per employee ($millions) | 3.6462% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 4,283 |
| Loan loss allowance to noncurrent loans | 118.5567% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 3,291 |
| Noncurrent loans to loans | 0.9345% | 2,795 |
| Net loans and leases to total assets | 70.3783% | 2,264 |
| Net loans and leases to deposits | 79.6197% | 2,840 |
| Net loans and leases to core deposits | 81.4639% | 3,240 |
| Total domestic deposits to total assets | 88.3930% | 1,445 |
| Equity capital to assets | 10.9066% | 2,985 |
| Core capital (leverage) ratio | 10.7977% | 2,615 |
| Tier 1 risk-based capital ratio | 17.4270% | 2,244 |
| Total risk-based capital ratio | 18.6788% | 2,201 |
| Memoranda: | ||
| Average total assets | $102,238,000 | 4,510 |
| Average earning assets | $97,954,000 | 4,425 |
| Average equity | $11,003,000 | 4,561 |
| Average total loans | $69,569,330 | 4,176 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 2,945 |
| Cost of funding earning assets | 0.5100% | 2,201 |
| Net interest margin | 3.5620% | 3,167 |
| Noninterest income to average assets | 0.5395% | 3,026 |
| Noninterest expense to average assets | 2.9987% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6804% | 3,890 |
| Return on assets (ROA) | 0.7858% | 3,467 |
| Pretax return on assets | 1.1025% | 3,065 |
| Return on Equity (ROE) | 7.3512% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.3512% | 1,833 |
| Net charge-offs to loans | 0.0470% | 2,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,142 |
| Efficiency ratio | 75.8655% | 2,540 |
| Assets per employee ($millions) | 3.9720% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 4,198 |
| Loan loss allowance to noncurrent loans | 94.9052% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 2,928 |
| Noncurrent loans to loans | 1.2237% | 2,327 |
| Net loans and leases to total assets | 66.0082% | 2,763 |
| Net loans and leases to deposits | 74.5543% | 3,228 |
| Net loans and leases to core deposits | 76.2557% | 3,571 |
| Total domestic deposits to total assets | 88.5371% | 1,529 |
| Equity capital to assets | 10.7038% | 3,315 |
| Core capital (leverage) ratio | 10.6589% | 2,783 |
| Tier 1 risk-based capital ratio | 17.8301% | 2,188 |
| Total risk-based capital ratio | 19.0801% | 2,146 |
| Memoranda: | ||
| Average total assets | $102,310,000 | 4,549 |
| Average earning assets | $98,033,500 | 4,455 |
| Average equity | $10,937,000 | 4,609 |
| Average total loans | $68,025,500 | 4,231 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,635 |
| Cost of funding earning assets | 0.5164% | 2,519 |
| Net interest margin | 3.5053% | 3,770 |
| Noninterest income to average assets | 0.5663% | 3,079 |
| Noninterest expense to average assets | 2.9972% | 2,847 |
| Loan and lease loss provision to assets | 0.1704% | 1,525 |
| Net operating income to assets | 0.4616% | 4,957 |
| Return on assets (ROA) | 0.7062% | 3,976 |
| Pretax return on assets | 1.1307% | 2,961 |
| Return on Equity (ROE) | 6.8310% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.8310% | 1,486 |
| Net charge-offs to loans | 0.1311% | 2,703 |
| Credit loss provision to net charge-offs | 205.9524% | 1,200 |
| Earnings coverage of net charge-offs (x) | 11.1071% | 2,543 |
| Efficiency ratio | 76.5342% | 2,433 |
| Assets per employee ($millions) | 3.8980% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,951 |
| Loan loss allowance to noncurrent loans | 78.4124% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 2,623 |
| Noncurrent loans to loans | 1.5399% | 1,907 |
| Net loans and leases to total assets | 65.3905% | 2,991 |
| Net loans and leases to deposits | 73.7872% | 3,460 |
| Net loans and leases to core deposits | 75.4987% | 3,764 |
| Total domestic deposits to total assets | 88.6204% | 1,460 |
| Equity capital to assets | 10.6761% | 3,269 |
| Core capital (leverage) ratio | 10.5942% | 2,844 |
| Tier 1 risk-based capital ratio | 16.7509% | 2,622 |
| Total risk-based capital ratio | 18.0006% | 2,575 |
| Memoranda: | ||
| Average total assets | $101,529,600 | 4,564 |
| Average earning assets | $97,025,600 | 4,481 |
| Average equity | $10,496,200 | 4,655 |
| Average total loans | $64,094,200 | 4,359 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 3,795 |
| Cost of funding earning assets | 0.5168% | 2,586 |
| Net interest margin | 3.4745% | 3,925 |
| Noninterest income to average assets | 0.5618% | 3,124 |
| Noninterest expense to average assets | 2.8523% | 3,278 |
| Loan and lease loss provision to assets | 0.2271% | 989 |
| Net operating income to assets | 0.5212% | 4,795 |
| Return on assets (ROA) | 0.7626% | 3,707 |
| Pretax return on assets | 1.1722% | 2,901 |
| Return on Equity (ROE) | 7.4377% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.4377% | 1,602 |
| Net charge-offs to loans | 0.1705% | 2,089 |
| Credit loss provision to net charge-offs | 213.5802% | 1,203 |
| Earnings coverage of net charge-offs (x) | 9.6664% | 2,639 |
| Efficiency ratio | 73.5115% | 2,900 |
| Assets per employee ($millions) | 3.8823% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 4,150 |
| Loan loss allowance to noncurrent loans | 112.2928% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 3,533 |
| Noncurrent loans to loans | 1.0817% | 2,909 |
| Net loans and leases to total assets | 65.5029% | 2,950 |
| Net loans and leases to deposits | 75.5937% | 3,231 |
| Net loans and leases to core deposits | 77.6844% | 3,568 |
| Total domestic deposits to total assets | 86.6513% | 2,498 |
| Equity capital to assets | 10.6183% | 3,411 |
| Core capital (leverage) ratio | 10.5024% | 3,036 |
| Tier 1 risk-based capital ratio | 16.6504% | 2,747 |
| Total risk-based capital ratio | 17.9007% | 2,702 |
| Memoranda: | ||
| Average total assets | $101,575,000 | 4,617 |
| Average earning assets | $97,009,500 | 4,522 |
| Average equity | $10,415,250 | 4,703 |
| Average total loans | $63,347,250 | 4,421 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 4,174 |
| Cost of funding earning assets | 0.5123% | 2,702 |
| Net interest margin | 3.3780% | 4,268 |
| Noninterest income to average assets | 0.5521% | 3,103 |
| Noninterest expense to average assets | 2.8511% | 3,334 |
| Loan and lease loss provision to assets | 0.2574% | 833 |
| Net operating income to assets | 0.4921% | 4,836 |
| Return on assets (ROA) | 0.8292% | 3,275 |
| Pretax return on assets | 1.1318% | 2,964 |
| Return on Equity (ROE) | 8.1828% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.1828% | 1,254 |
| Net charge-offs to loans | 0.2059% | 1,789 |
| Credit loss provision to net charge-offs | 204.6875% | 1,147 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,641 |
| Efficiency ratio | 75.4550% | 2,733 |
| Assets per employee ($millions) | 3.9200% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 4,379 |
| Loan loss allowance to noncurrent loans | 131.2812% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 4,080 |
| Noncurrent loans to loans | 0.9217% | 3,416 |
| Net loans and leases to total assets | 63.2039% | 3,207 |
| Net loans and leases to deposits | 71.1589% | 3,685 |
| Net loans and leases to core deposits | 73.0562% | 3,942 |
| Total domestic deposits to total assets | 88.8208% | 1,461 |
| Equity capital to assets | 10.3963% | 3,568 |
| Core capital (leverage) ratio | 10.2452% | 3,274 |
| Tier 1 risk-based capital ratio | 16.5538% | 2,802 |
| Total risk-based capital ratio | 17.8031% | 2,767 |
| Memoranda: | ||
| Average total assets | $101,787,000 | 4,640 |
| Average earning assets | $97,217,670 | 4,553 |
| Average equity | $10,314,330 | 4,739 |
| Average total loans | $62,152,670 | 4,478 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 4,905 |
| Cost of funding earning assets | 0.5067% | 2,833 |
| Net interest margin | 3.1763% | 5,000 |
| Noninterest income to average assets | 0.4876% | 3,511 |
| Noninterest expense to average assets | 2.7880% | 3,612 |
| Loan and lease loss provision to assets | 0.0590% | 2,930 |
| Net operating income to assets | 0.4740% | 4,817 |
| Return on assets (ROA) | 0.9123% | 2,665 |
| Pretax return on assets | 1.2898% | 2,130 |
| Return on Equity (ROE) | 9.1217% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.1217% | 1,214 |
| Net charge-offs to loans | 0.4025% | 904 |
| Credit loss provision to net charge-offs | 24.5902% | 2,452 |
| Earnings coverage of net charge-offs (x) | 3.0492% | 2,740 |
| Efficiency ratio | 79.2179% | 2,306 |
| Assets per employee ($millions) | 3.9439% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 4,979 |
| Loan loss allowance to noncurrent loans | 90.6166% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 3,782 |
| Noncurrent loans to loans | 1.2480% | 2,955 |
| Net loans and leases to total assets | 57.6365% | 3,909 |
| Net loans and leases to deposits | 64.7157% | 4,240 |
| Net loans and leases to core deposits | 66.1840% | 4,474 |
| Total domestic deposits to total assets | 89.0610% | 1,619 |
| Equity capital to assets | 10.0886% | 3,738 |
| Core capital (leverage) ratio | 9.9970% | 3,576 |
| Tier 1 risk-based capital ratio | 17.4953% | 2,477 |
| Total risk-based capital ratio | 18.6490% | 2,484 |
| Memoranda: | ||
| Average total assets | $101,720,000 | 4,691 |
| Average earning assets | $97,093,500 | 4,593 |
| Average equity | $10,173,500 | 4,783 |
| Average total loans | $60,625,500 | 4,567 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 4,525 |
| Cost of funding earning assets | 0.5872% | 2,776 |
| Net interest margin | 3.2966% | 4,679 |
| Noninterest income to average assets | 0.7330% | 2,366 |
| Noninterest expense to average assets | 2.7552% | 3,887 |
| Loan and lease loss provision to assets | 0.2408% | 1,499 |
| Net operating income to assets | 0.5857% | 4,330 |
| Return on assets (ROA) | 0.7107% | 3,831 |
| Pretax return on assets | 1.0767% | 3,044 |
| Return on Equity (ROE) | 7.4137% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.4137% | 1,269 |
| Net charge-offs to loans | -0.0068% | 5,969 |
| Credit loss provision to net charge-offs | -6,200.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9500% | 3,677 |
| Assets per employee ($millions) | 3.8807% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 4,796 |
| Loan loss allowance to noncurrent loans | 474.3421% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 5,672 |
| Noncurrent loans to loans | 0.2473% | 5,441 |
| Net loans and leases to total assets | 60.2117% | 3,674 |
| Net loans and leases to deposits | 67.3783% | 4,135 |
| Net loans and leases to core deposits | 68.8583% | 4,411 |
| Total domestic deposits to total assets | 89.3636% | 1,406 |
| Equity capital to assets | 9.9129% | 3,882 |
| Core capital (leverage) ratio | 9.8633% | 3,751 |
| Tier 1 risk-based capital ratio | 16.7771% | 2,726 |
| Total risk-based capital ratio | 17.9925% | 2,692 |
| Memoranda: | ||
| Average total assets | $103,003,400 | 4,672 |
| Average earning assets | $98,435,600 | 4,556 |
| Average equity | $9,873,600 | 4,882 |
| Average total loans | $58,700,800 | 4,658 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 4,730 |
| Cost of funding earning assets | 0.6076% | 2,750 |
| Net interest margin | 3.2241% | 4,916 |
| Noninterest income to average assets | 0.7907% | 2,198 |
| Noninterest expense to average assets | 2.4147% | 4,980 |
| Loan and lease loss provision to assets | 0.3001% | 1,126 |
| Net operating income to assets | 0.6790% | 3,960 |
| Return on assets (ROA) | 0.8397% | 3,271 |
| Pretax return on assets | 1.4089% | 1,902 |
| Return on Equity (ROE) | 8.8331% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.8331% | 1,105 |
| Net charge-offs to loans | -0.0138% | 5,957 |
| Credit loss provision to net charge-offs | -3,883.3333% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3545% | 5,088 |
| Assets per employee ($millions) | 3.8265% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 5,043 |
| Loan loss allowance to noncurrent loans | 144.8980% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 4,797 |
| Noncurrent loans to loans | 0.8042% | 4,230 |
| Net loans and leases to total assets | 60.5279% | 3,607 |
| Net loans and leases to deposits | 67.8184% | 4,082 |
| Net loans and leases to core deposits | 69.3269% | 4,395 |
| Total domestic deposits to total assets | 89.2500% | 1,432 |
| Equity capital to assets | 10.0032% | 3,897 |
| Core capital (leverage) ratio | 9.9248% | 3,781 |
| Tier 1 risk-based capital ratio | 16.4471% | 2,963 |
| Total risk-based capital ratio | 17.6297% | 2,967 |
| Memoranda: | ||
| Average total assets | $103,529,500 | 4,703 |
| Average earning assets | $98,960,500 | 4,588 |
| Average equity | $9,841,500 | 4,942 |
| Average total loans | $58,007,500 | 4,730 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 5,102 |
| Cost of funding earning assets | 0.6258% | 2,725 |
| Net interest margin | 3.0892% | 5,298 |
| Noninterest income to average assets | 0.8582% | 1,973 |
| Noninterest expense to average assets | 2.4105% | 5,025 |
| Loan and lease loss provision to assets | 0.4157% | 729 |
| Net operating income to assets | 0.3939% | 5,237 |
| Return on assets (ROA) | 0.6331% | 4,289 |
| Pretax return on assets | 1.3616% | 2,080 |
| Return on Equity (ROE) | 6.7723% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.7723% | 1,993 |
| Net charge-offs to loans | -0.0736% | 6,399 |
| Credit loss provision to net charge-offs | -1,038.0952% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2000% | 4,980 |
| Assets per employee ($millions) | 4.1458% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 4,972 |
| Loan loss allowance to noncurrent loans | 110.7644% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 4,534 |
| Noncurrent loans to loans | 1.0866% | 3,757 |
| Net loans and leases to total assets | 56.2329% | 4,241 |
| Net loans and leases to deposits | 62.5746% | 4,673 |
| Net loans and leases to core deposits | 64.2530% | 4,865 |
| Total domestic deposits to total assets | 89.8653% | 1,107 |
| Equity capital to assets | 9.3734% | 4,751 |
| Core capital (leverage) ratio | 9.2200% | 4,667 |
| Tier 1 risk-based capital ratio | 16.5552% | 2,914 |
| Total risk-based capital ratio | 17.7852% | 2,878 |
| Memoranda: | ||
| Average total assets | $104,876,670 | 4,708 |
| Average earning assets | $100,351,000 | 4,577 |
| Average equity | $9,804,670 | 4,987 |
| Average total loans | $57,034,000 | 4,782 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 4,938 |
| Cost of funding earning assets | 0.6528% | 2,630 |
| Net interest margin | 3.1139% | 5,213 |
| Noninterest income to average assets | 0.7735% | 2,238 |
| Noninterest expense to average assets | 2.3395% | 5,308 |
| Loan and lease loss provision to assets | 0.7128% | 330 |
| Net operating income to assets | 0.1266% | 6,098 |
| Return on assets (ROA) | 0.2844% | 5,735 |
| Pretax return on assets | 0.9517% | 3,559 |
| Return on Equity (ROE) | 3.0458% | 5,572 |
| Retained earnings to average equity (ytd only) | 3.0458% | 4,453 |
| Net charge-offs to loans | -0.1855% | 6,664 |
| Credit loss provision to net charge-offs | -723.0769% | 5,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2603% | 5,273 |
| Assets per employee ($millions) | 4.6238% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,192 |
| Loan loss allowance to noncurrent loans | 123.9564% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 4,931 |
| Noncurrent loans to loans | 0.9661% | 4,203 |
| Net loans and leases to total assets | 50.7813% | 4,882 |
| Net loans and leases to deposits | 56.9713% | 5,141 |
| Net loans and leases to core deposits | 58.2546% | 5,325 |
| Total domestic deposits to total assets | 89.1349% | 1,603 |
| Equity capital to assets | 8.8727% | 5,639 |
| Core capital (leverage) ratio | 8.3788% | 5,738 |
| Tier 1 risk-based capital ratio | 16.1907% | 3,162 |
| Total risk-based capital ratio | 17.3800% | 3,150 |
| Memoranda: | ||
| Average total assets | $105,493,000 | 4,733 |
| Average earning assets | $101,095,500 | 4,590 |
| Average equity | $9,849,500 | 5,019 |
| Average total loans | $56,055,000 | 4,858 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 5,344 |
| Cost of funding earning assets | 0.8307% | 2,420 |
| Net interest margin | 3.1582% | 5,668 |
| Noninterest income to average assets | 0.9078% | 1,838 |
| Noninterest expense to average assets | 2.6480% | 4,576 |
| Loan and lease loss provision to assets | 0.2329% | 2,805 |
| Net operating income to assets | 0.7411% | 3,551 |
| Return on assets (ROA) | 0.9880% | 2,613 |
| Pretax return on assets | 1.4052% | 2,024 |
| Return on Equity (ROE) | 10.6267% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.6267% | 485 |
| Net charge-offs to loans | 0.2302% | 3,554 |
| Credit loss provision to net charge-offs | 194.2149% | 1,343 |
| Earnings coverage of net charge-offs (x) | 10.7190% | 2,111 |
| Efficiency ratio | 67.3217% | 4,264 |
| Assets per employee ($millions) | 4.1673% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 6,385 |
| Loan loss allowance to noncurrent loans | 77.5578% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 4,719 |
| Noncurrent loans to loans | 1.1003% | 4,004 |
| Net loans and leases to total assets | 54.5963% | 4,532 |
| Net loans and leases to deposits | 61.9322% | 4,793 |
| Net loans and leases to core deposits | 63.7261% | 4,990 |
| Total domestic deposits to total assets | 88.1549% | 2,127 |
| Equity capital to assets | 9.8514% | 4,378 |
| Core capital (leverage) ratio | 9.2215% | 4,542 |
| Tier 1 risk-based capital ratio | 17.0194% | 2,641 |
| Total risk-based capital ratio | 17.8867% | 2,796 |
| Memoranda: | ||
| Average total assets | $100,908,200 | 4,815 |
| Average earning assets | $96,668,600 | 4,672 |
| Average equity | $9,382,000 | 5,133 |
| Average total loans | $52,568,800 | 4,994 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 5,415 |
| Cost of funding earning assets | 0.8668% | 2,416 |
| Net interest margin | 3.1701% | 5,773 |
| Noninterest income to average assets | 1.0007% | 1,498 |
| Noninterest expense to average assets | 2.5023% | 5,075 |
| Loan and lease loss provision to assets | 0.2505% | 2,557 |
| Net operating income to assets | 0.8563% | 3,188 |
| Return on assets (ROA) | 1.1707% | 2,023 |
| Pretax return on assets | 1.7548% | 1,153 |
| Return on Equity (ROE) | 12.7800% | 1,390 |
| Retained earnings to average equity (ytd only) | 12.7800% | 411 |
| Net charge-offs to loans | 0.2310% | 3,335 |
| Credit loss provision to net charge-offs | 211.1111% | 1,308 |
| Earnings coverage of net charge-offs (x) | 12.9441% | 1,958 |
| Efficiency ratio | 61.9654% | 5,153 |
| Assets per employee ($millions) | 4.3282% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 6,528 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 4,884 |
| Noncurrent loans to loans | 0.8392% | 4,738 |
| Net loans and leases to total assets | 54.2436% | 4,718 |
| Net loans and leases to deposits | 62.3300% | 4,926 |
| Net loans and leases to core deposits | 63.9738% | 5,147 |
| Total domestic deposits to total assets | 87.0265% | 2,653 |
| Equity capital to assets | 9.8454% | 4,719 |
| Core capital (leverage) ratio | 9.1553% | 4,823 |
| Tier 1 risk-based capital ratio | 17.1493% | 2,672 |
| Total risk-based capital ratio | 18.0092% | 2,823 |
| Memoranda: | ||
| Average total assets | $101,131,250 | 4,853 |
| Average earning assets | $96,903,500 | 4,716 |
| Average equity | $9,264,250 | 5,205 |
| Average total loans | $51,942,250 | 5,079 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 5,546 |
| Cost of funding earning assets | 0.8997% | 2,398 |
| Net interest margin | 3.1324% | 5,910 |
| Noninterest income to average assets | 0.9050% | 1,769 |
| Noninterest expense to average assets | 2.4474% | 5,300 |
| Loan and lease loss provision to assets | 0.2853% | 2,293 |
| Net operating income to assets | 0.5091% | 4,779 |
| Return on assets (ROA) | 0.9384% | 2,981 |
| Pretax return on assets | 1.8434% | 953 |
| Return on Equity (ROE) | 10.5004% | 2,167 |
| Retained earnings to average equity (ytd only) | 10.5004% | 850 |
| Net charge-offs to loans | 0.3405% | 2,657 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 8.5172% | 2,283 |
| Efficiency ratio | 62.6700% | 5,138 |
| Assets per employee ($millions) | 4.2598% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 6,706 |
| Loan loss allowance to noncurrent loans | 73.7123% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 4,785 |
| Noncurrent loans to loans | 1.0655% | 4,387 |
| Net loans and leases to total assets | 51.2775% | 5,188 |
| Net loans and leases to deposits | 58.3139% | 5,416 |
| Net loans and leases to core deposits | 59.7904% | 5,611 |
| Total domestic deposits to total assets | 87.9336% | 2,187 |
| Equity capital to assets | 9.0606% | 5,634 |
| Core capital (leverage) ratio | 8.5118% | 5,638 |
| Tier 1 risk-based capital ratio | 16.5506% | 2,887 |
| Total risk-based capital ratio | 17.3400% | 3,089 |
| Memoranda: | ||
| Average total assets | $101,658,670 | 4,862 |
| Average earning assets | $97,368,330 | 4,725 |
| Average equity | $9,085,330 | 5,242 |
| Average total loans | $51,104,330 | 5,145 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 5,570 |
| Cost of funding earning assets | 0.9528% | 2,284 |
| Net interest margin | 3.1100% | 6,010 |
| Noninterest income to average assets | 0.7260% | 2,525 |
| Noninterest expense to average assets | 2.4109% | 5,433 |
| Loan and lease loss provision to assets | 0.1578% | 3,405 |
| Net operating income to assets | 0.2989% | 5,662 |
| Return on assets (ROA) | 0.6550% | 4,320 |
| Pretax return on assets | 1.6888% | 1,332 |
| Return on Equity (ROE) | 7.3806% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.3806% | 2,242 |
| Net charge-offs to loans | 0.2628% | 2,618 |
| Credit loss provision to net charge-offs | 121.2121% | 1,966 |
| Earnings coverage of net charge-offs (x) | 9.9091% | 1,801 |
| Efficiency ratio | 65.1386% | 4,710 |
| Assets per employee ($millions) | 4.6518% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 6,862 |
| Loan loss allowance to noncurrent loans | 39.9344% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 4,460 |
| Noncurrent loans to loans | 1.7788% | 3,437 |
| Net loans and leases to total assets | 49.8520% | 5,327 |
| Net loans and leases to deposits | 56.6326% | 5,536 |
| Net loans and leases to core deposits | 58.9401% | 5,629 |
| Total domestic deposits to total assets | 88.0270% | 2,301 |
| Equity capital to assets | 8.7435% | 5,817 |
| Core capital (leverage) ratio | 8.1973% | 6,027 |
| Tier 1 risk-based capital ratio | 16.2119% | 3,065 |
| Total risk-based capital ratio | 16.9172% | 3,326 |
| Memoranda: | ||
| Average total assets | $101,371,000 | 4,904 |
| Average earning assets | $96,978,500 | 4,774 |
| Average equity | $8,996,500 | 5,284 |
| Average total loans | $50,237,500 | 5,219 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 4,374 |
| Cost of funding earning assets | 1.1972% | 2,042 |
| Net interest margin | 3.4731% | 5,244 |
| Noninterest income to average assets | 0.4985% | 3,853 |
| Noninterest expense to average assets | 2.5706% | 5,197 |
| Loan and lease loss provision to assets | 0.1869% | 4,319 |
| Net operating income to assets | 0.6560% | 3,715 |
| Return on assets (ROA) | 0.7857% | 3,268 |
| Pretax return on assets | 1.2589% | 2,276 |
| Return on Equity (ROE) | 9.3493% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.3493% | 713 |
| Net charge-offs to loans | 0.3014% | 3,894 |
| Credit loss provision to net charge-offs | 138.2813% | 2,140 |
| Earnings coverage of net charge-offs (x) | 9.1953% | 2,021 |
| Efficiency ratio | 67.4052% | 4,487 |
| Assets per employee ($millions) | 3.7186% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 6,896 |
| Loan loss allowance to noncurrent loans | 23.8161% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 3,809 |
| Noncurrent loans to loans | 2.9679% | 2,186 |
| Net loans and leases to total assets | 48.5493% | 5,773 |
| Net loans and leases to deposits | 54.9902% | 5,981 |
| Net loans and leases to core deposits | 57.0945% | 6,072 |
| Total domestic deposits to total assets | 88.2872% | 1,976 |
| Equity capital to assets | 9.0087% | 5,543 |
| Core capital (leverage) ratio | 8.4385% | 5,657 |
| Tier 1 risk-based capital ratio | 18.1918% | 2,135 |
| Total risk-based capital ratio | 18.1918% | 2,590 |
| Memoranda: | ||
| Average total assets | $94,687,800 | 5,056 |
| Average earning assets | $90,379,800 | 4,926 |
| Average equity | $7,957,800 | 5,583 |
| Average total loans | $42,467,200 | 5,582 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 5,685 |
| Cost of funding earning assets | 1.2410% | 2,057 |
| Net interest margin | 3.1361% | 6,329 |
| Noninterest income to average assets | 0.6276% | 3,011 |
| Noninterest expense to average assets | 2.4347% | 5,677 |
| Loan and lease loss provision to assets | 0.0929% | 5,302 |
| Net operating income to assets | 0.8686% | 2,865 |
| Return on assets (ROA) | 0.9951% | 2,492 |
| Pretax return on assets | 1.2553% | 2,443 |
| Return on Equity (ROE) | 12.0736% | 1,535 |
| Retained earnings to average equity (ytd only) | 12.0736% | 492 |
| Net charge-offs to loans | 0.3659% | 3,260 |
| Credit loss provision to net charge-offs | 58.0357% | 4,852 |
| Earnings coverage of net charge-offs (x) | 7.4196% | 2,363 |
| Efficiency ratio | 67.2060% | 4,483 |
| Assets per employee ($millions) | 5.6832% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5265% | 7,153 |
| Loan loss allowance to noncurrent loans | 34.9719% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 5,313 |
| Noncurrent loans to loans | 1.5056% | 4,029 |
| Net loans and leases to total assets | 48.6881% | 5,873 |
| Net loans and leases to deposits | 54.9135% | 6,129 |
| Net loans and leases to core deposits | 56.8769% | 6,234 |
| Total domestic deposits to total assets | 88.6633% | 1,651 |
| Equity capital to assets | 8.3724% | 6,422 |
| Core capital (leverage) ratio | 8.3724% | 5,893 |
| Tier 1 risk-based capital ratio | 20.1485% | 1,652 |
| Total risk-based capital ratio | 20.7687% | 1,780 |
| Memoranda: | ||
| Average total assets | $93,259,000 | 5,129 |
| Average earning assets | $89,067,250 | 4,991 |
| Average equity | $7,686,000 | 5,696 |
| Average total loans | $40,811,000 | 5,708 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 5,993 |
| Cost of funding earning assets | 1.2949% | 1,968 |
| Net interest margin | 3.0154% | 6,578 |
| Noninterest income to average assets | 0.5427% | 3,534 |
| Noninterest expense to average assets | 2.4029% | 5,834 |
| Loan and lease loss provision to assets | 0.0760% | 5,360 |
| Net operating income to assets | 0.7122% | 3,482 |
| Return on assets (ROA) | 0.8161% | 3,126 |
| Pretax return on assets | 1.0766% | 2,948 |
| Return on Equity (ROE) | 9.9581% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.9581% | 850 |
| Net charge-offs to loans | 0.0207% | 5,552 |
| Credit loss provision to net charge-offs | 875.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 300 |
| Efficiency ratio | 70.2857% | 4,053 |
| Assets per employee ($millions) | 5.5766% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7389% | 6,970 |
| Loan loss allowance to noncurrent loans | 47.0588% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 5,109 |
| Noncurrent loans to loans | 1.5702% | 4,051 |
| Net loans and leases to total assets | 46.4779% | 6,220 |
| Net loans and leases to deposits | 51.9232% | 6,480 |
| Net loans and leases to core deposits | 53.9599% | 6,558 |
| Total domestic deposits to total assets | 89.5129% | 1,231 |
| Equity capital to assets | 8.1950% | 6,523 |
| Core capital (leverage) ratio | 8.1950% | 6,036 |
| Tier 1 risk-based capital ratio | 19.8589% | 1,638 |
| Total risk-based capital ratio | 20.6973% | 1,696 |
| Memoranda: | ||
| Average total assets | $92,140,330 | 5,206 |
| Average earning assets | $87,883,330 | 5,068 |
| Average equity | $7,551,670 | 5,749 |
| Average total loans | $38,651,670 | 5,862 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 6,044 |
| Cost of funding earning assets | 1.3788% | 1,721 |
| Net interest margin | 2.9097% | 6,741 |
| Noninterest income to average assets | 0.5154% | 3,764 |
| Noninterest expense to average assets | 2.5240% | 5,474 |
| Loan and lease loss provision to assets | 0.0661% | 5,171 |
| Net operating income to assets | 0.4493% | 4,721 |
| Return on assets (ROA) | 0.4493% | 4,807 |
| Pretax return on assets | 0.7048% | 4,292 |
| Return on Equity (ROE) | 5.4817% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.4817% | 2,918 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6043% | 3,050 |
| Assets per employee ($millions) | 5.5457% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 6,784 |
| Loan loss allowance to noncurrent loans | 57.2744% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 5,427 |
| Noncurrent loans to loans | 1.5140% | 4,204 |
| Net loans and leases to total assets | 37.7123% | 6,920 |
| Net loans and leases to deposits | 41.2982% | 7,050 |
| Net loans and leases to core deposits | 42.5058% | 7,091 |
| Total domestic deposits to total assets | 91.3171% | 477 |
| Equity capital to assets | 7.9500% | 6,544 |
| Core capital (leverage) ratio | 7.9500% | 6,307 |
| Tier 1 risk-based capital ratio | 21.3320% | 1,336 |
| Total risk-based capital ratio | 22.2172% | 1,381 |
| Memoranda: | ||
| Average total assets | $90,809,500 | 5,268 |
| Average earning assets | $86,743,000 | 5,131 |
| Average equity | $7,443,000 | 5,790 |
| Average total loans | $35,782,500 | 6,033 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 6,497 |
| Cost of funding earning assets | 1.6970% | 1,617 |
| Net interest margin | 2.7622% | 7,072 |
| Noninterest income to average assets | 0.6081% | 3,420 |
| Noninterest expense to average assets | 2.3137% | 6,316 |
| Loan and lease loss provision to assets | 0.1470% | 5,718 |
| Net operating income to assets | 0.5068% | 4,063 |
| Return on assets (ROA) | 0.8058% | 2,908 |
| Pretax return on assets | 1.2304% | 2,139 |
| Return on Equity (ROE) | 9.6866% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.6866% | 575 |
| Net charge-offs to loans | 0.0893% | 5,950 |
| Credit loss provision to net charge-offs | 403.2258% | 604 |
| Earnings coverage of net charge-offs (x) | 25.1613% | 842 |
| Efficiency ratio | 71.6054% | 3,868 |
| Assets per employee ($millions) | 5.8228% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 6,916 |
| Loan loss allowance to noncurrent loans | 32.2757% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 4,912 |
| Noncurrent loans to loans | 2.5602% | 2,971 |
| Net loans and leases to total assets | 40.5361% | 6,933 |
| Net loans and leases to deposits | 45.0170% | 7,079 |
| Net loans and leases to core deposits | 46.1231% | 7,138 |
| Total domestic deposits to total assets | 90.0460% | 1,073 |
| Equity capital to assets | 8.4621% | 5,902 |
| Core capital (leverage) ratio | 8.4621% | 5,432 |
| Tier 1 risk-based capital ratio | 22.2533% | 1,140 |
| Total risk-based capital ratio | 23.1415% | 1,167 |
| Memoranda: | ||
| Average total assets | $85,013,800 | 5,439 |
| Average earning assets | $80,732,000 | 5,316 |
| Average equity | $7,071,600 | 6,011 |
| Average total loans | $34,706,600 | 6,169 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 6,710 |
| Cost of funding earning assets | 1.7343% | 1,705 |
| Net interest margin | 2.7222% | 7,208 |
| Noninterest income to average assets | 0.6048% | 3,412 |
| Noninterest expense to average assets | 2.2029% | 6,598 |
| Loan and lease loss provision to assets | 0.0442% | 6,646 |
| Net operating income to assets | 0.7917% | 3,038 |
| Return on assets (ROA) | 1.1923% | 1,698 |
| Pretax return on assets | 1.4149% | 1,839 |
| Return on Equity (ROE) | 14.3975% | 953 |
| Retained earnings to average equity (ytd only) | 14.3975% | 248 |
| Net charge-offs to loans | 0.2012% | 4,734 |
| Credit loss provision to net charge-offs | 53.8462% | 5,827 |
| Earnings coverage of net charge-offs (x) | 11.9618% | 1,740 |
| Efficiency ratio | 69.1621% | 4,233 |
| Assets per employee ($millions) | 5.8094% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5138% | 7,438 |
| Loan loss allowance to noncurrent loans | 12.3024% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 1.7730% | 3,782 |
| Noncurrent loans to loans | 4.1766% | 1,757 |
| Net loans and leases to total assets | 39.7723% | 7,088 |
| Net loans and leases to deposits | 44.1565% | 7,233 |
| Net loans and leases to core deposits | 45.2413% | 7,282 |
| Total domestic deposits to total assets | 90.0713% | 844 |
| Equity capital to assets | 8.5631% | 6,203 |
| Core capital (leverage) ratio | 8.5631% | 5,398 |
| Tier 1 risk-based capital ratio | 23.0600% | 1,056 |
| Total risk-based capital ratio | 23.6132% | 1,125 |
| Memoranda: | ||
| Average total assets | $84,431,750 | 5,524 |
| Average earning assets | $80,032,250 | 5,407 |
| Average equity | $6,991,750 | 6,118 |
| Average total loans | $34,458,250 | 6,267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 6,380 |
| Cost of funding earning assets | 1.7778% | 1,730 |
| Net interest margin | 2.8500% | 7,083 |
| Noninterest income to average assets | 0.5028% | 4,098 |
| Noninterest expense to average assets | 2.3010% | 6,352 |
| Loan and lease loss provision to assets | 0.0287% | 6,662 |
| Net operating income to assets | 0.6644% | 3,561 |
| Return on assets (ROA) | 0.6680% | 3,687 |
| Pretax return on assets | 0.8763% | 3,592 |
| Return on Equity (ROE) | 8.1639% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.1639% | 1,388 |
| Net charge-offs to loans | 0.3029% | 3,796 |
| Credit loss provision to net charge-offs | 23.0769% | 5,822 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 2,337 |
| Efficiency ratio | 71.8773% | 3,837 |
| Assets per employee ($millions) | 5.7423% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 7,551 |
| Loan loss allowance to noncurrent loans | 27.5804% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 5,364 |
| Noncurrent loans to loans | 1.6690% | 4,189 |
| Net loans and leases to total assets | 40.9223% | 7,106 |
| Net loans and leases to deposits | 45.5306% | 7,270 |
| Net loans and leases to core deposits | 46.6614% | 7,326 |
| Total domestic deposits to total assets | 89.8786% | 982 |
| Equity capital to assets | 8.1129% | 6,640 |
| Core capital (leverage) ratio | 8.1129% | 6,099 |
| Tier 1 risk-based capital ratio | 22.3123% | 1,156 |
| Total risk-based capital ratio | 22.8328% | 1,238 |
| Memoranda: | ||
| Average total assets | $83,528,670 | 5,579 |
| Average earning assets | $79,087,000 | 5,469 |
| Average equity | $6,835,000 | 6,195 |
| Average total loans | $34,332,000 | 6,315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 6,560 |
| Cost of funding earning assets | 1.8351% | 1,721 |
| Net interest margin | 2.7656% | 7,231 |
| Noninterest income to average assets | 0.4475% | 4,494 |
| Noninterest expense to average assets | 2.3496% | 6,251 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5011% | 4,386 |
| Return on assets (ROA) | 0.5011% | 4,529 |
| Pretax return on assets | 0.7151% | 4,184 |
| Return on Equity (ROE) | 6.0960% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.0960% | 2,577 |
| Net charge-offs to loans | 0.0118% | 5,419 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 223 |
| Efficiency ratio | 76.6667% | 3,106 |
| Assets per employee ($millions) | 6.4925% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 7,523 |
| Loan loss allowance to noncurrent loans | 27.7545% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 5,461 |
| Noncurrent loans to loans | 2.0970% | 3,661 |
| Net loans and leases to total assets | 40.2734% | 7,235 |
| Net loans and leases to deposits | 44.7776% | 7,374 |
| Net loans and leases to core deposits | 44.7776% | 7,461 |
| Total domestic deposits to total assets | 89.9411% | 1,018 |
| Equity capital to assets | 8.0684% | 6,581 |
| Core capital (leverage) ratio | 8.0684% | 6,134 |
| Tier 1 risk-based capital ratio | 22.1579% | 1,184 |
| Total risk-based capital ratio | 22.8054% | 1,240 |
| Memoranda: | ||
| Average total assets | $82,226,000 | 5,696 |
| Average earning assets | $77,814,500 | 5,577 |
| Average equity | $6,758,500 | 6,270 |
| Average total loans | $33,792,500 | 6,423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 6,223 |
| Cost of funding earning assets | 2.3796% | 1,363 |
| Net interest margin | 2.6825% | 7,235 |
| Noninterest income to average assets | 0.6989% | 2,989 |
| Noninterest expense to average assets | 2.3870% | 6,505 |
| Loan and lease loss provision to assets | 0.0998% | 6,630 |
| Net operating income to assets | 0.5165% | 3,665 |
| Return on assets (ROA) | 0.5165% | 3,759 |
| Pretax return on assets | 0.7708% | 3,339 |
| Return on Equity (ROE) | 5.9002% | 3,256 |
| Retained earnings to average equity (ytd only) | 5.9002% | 1,390 |
| Net charge-offs to loans | 0.2401% | 5,121 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 8.7200% | 1,906 |
| Efficiency ratio | 73.2734% | 4,042 |
| Assets per employee ($millions) | 5.3366% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 7,544 |
| Loan loss allowance to noncurrent loans | 27.3585% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 4,916 |
| Noncurrent loans to loans | 2.2220% | 3,373 |
| Net loans and leases to total assets | 41.4634% | 7,277 |
| Net loans and leases to deposits | 46.3122% | 7,428 |
| Net loans and leases to core deposits | 58.2656% | 7,332 |
| Total domestic deposits to total assets | 89.5302% | 1,196 |
| Equity capital to assets | 8.3786% | 6,085 |
| Core capital (leverage) ratio | 8.3786% | 5,477 |
| Tier 1 risk-based capital ratio | 23.9818% | 951 |
| Total risk-based capital ratio | 24.7077% | 975 |
| Memoranda: | ||
| Average total assets | $75,114,200 | 5,867 |
| Average earning assets | $71,650,000 | 5,763 |
| Average equity | $6,576,000 | 6,400 |
| Average total loans | $31,233,200 | 6,569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 6,323 |
| Cost of funding earning assets | 2.4863% | 1,349 |
| Net interest margin | 2.5976% | 7,359 |
| Noninterest income to average assets | 0.6641% | 3,262 |
| Noninterest expense to average assets | 2.1331% | 7,125 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7814% | 2,893 |
| Return on assets (ROA) | 0.7814% | 2,950 |
| Pretax return on assets | 1.0160% | 2,854 |
| Return on Equity (ROE) | 8.8231% | 2,330 |
| Retained earnings to average equity (ytd only) | 8.8231% | 886 |
| Net charge-offs to loans | 0.1912% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 12.7944% | 1,728 |
| Efficiency ratio | 67.7364% | 5,035 |
| Assets per employee ($millions) | 5.5669% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4853% | 7,734 |
| Loan loss allowance to noncurrent loans | 36.9767% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 5,925 |
| Noncurrent loans to loans | 1.3124% | 4,746 |
| Net loans and leases to total assets | 41.8356% | 7,374 |
| Net loans and leases to deposits | 46.9204% | 7,542 |
| Net loans and leases to core deposits | 60.5647% | 7,380 |
| Total domestic deposits to total assets | 89.1629% | 1,125 |
| Equity capital to assets | 8.6635% | 6,016 |
| Core capital (leverage) ratio | 8.6635% | 5,200 |
| Tier 1 risk-based capital ratio | 24.5778% | 941 |
| Total risk-based capital ratio | 25.1565% | 985 |
| Memoranda: | ||
| Average total assets | $73,880,500 | 5,934 |
| Average earning assets | $70,677,750 | 5,823 |
| Average equity | $6,543,250 | 6,468 |
| Average total loans | $30,693,000 | 6,640 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 5,771 |
| Cost of funding earning assets | 2.5584% | 1,412 |
| Net interest margin | 2.7168% | 7,168 |
| Noninterest income to average assets | 0.7032% | 2,974 |
| Noninterest expense to average assets | 2.2253% | 6,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8466% | 2,668 |
| Return on assets (ROA) | 0.8466% | 2,773 |
| Pretax return on assets | 1.0782% | 2,706 |
| Return on Equity (ROE) | 9.4846% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.4846% | 820 |
| Net charge-offs to loans | 0.1933% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 13.4828% | 1,735 |
| Efficiency ratio | 67.3623% | 5,280 |
| Assets per employee ($millions) | 5.2857% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5769% | 7,677 |
| Loan loss allowance to noncurrent loans | 25.0720% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 5,099 |
| Noncurrent loans to loans | 2.3010% | 3,137 |
| Net loans and leases to total assets | 40.5230% | 7,523 |
| Net loans and leases to deposits | 46.0439% | 7,632 |
| Net loans and leases to core deposits | 57.1616% | 7,547 |
| Total domestic deposits to total assets | 88.0095% | 1,773 |
| Equity capital to assets | 8.9541% | 5,380 |
| Core capital (leverage) ratio | 8.9541% | 4,710 |
| Tier 1 risk-based capital ratio | 26.8020% | 791 |
| Total risk-based capital ratio | 27.5059% | 811 |
| Memoranda: | ||
| Average total assets | $72,528,670 | 6,019 |
| Average earning assets | $69,419,670 | 5,906 |
| Average equity | $6,473,670 | 6,540 |
| Average total loans | $30,002,670 | 6,733 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 5,587 |
| Cost of funding earning assets | 2.6080% | 1,540 |
| Net interest margin | 2.7594% | 7,075 |
| Noninterest income to average assets | 0.6964% | 2,910 |
| Noninterest expense to average assets | 2.2175% | 6,818 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8747% | 2,822 |
| Return on assets (ROA) | 0.8747% | 2,969 |
| Pretax return on assets | 1.1199% | 2,911 |
| Return on Equity (ROE) | 9.8163% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.8163% | 1,241 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4441% | 5,244 |
| Assets per employee ($millions) | 4.8187% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 7,511 |
| Loan loss allowance to noncurrent loans | 43.0998% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 5,535 |
| Noncurrent loans to loans | 1.5710% | 3,923 |
| Net loans and leases to total assets | 41.1975% | 7,513 |
| Net loans and leases to deposits | 46.8591% | 7,628 |
| Net loans and leases to core deposits | 57.2203% | 7,554 |
| Total domestic deposits to total assets | 87.9180% | 1,778 |
| Equity capital to assets | 8.9595% | 5,401 |
| Core capital (leverage) ratio | 8.9595% | 4,780 |
| Tier 1 risk-based capital ratio | 26.7228% | 834 |
| Total risk-based capital ratio | 27.5605% | 850 |
| Memoranda: | ||
| Average total assets | $71,793,000 | 6,075 |
| Average earning assets | $68,710,500 | 5,960 |
| Average equity | $6,397,500 | 6,615 |
| Average total loans | $29,923,500 | 6,768 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6072% | 7,041 |
| Cost of funding earning assets | 3.0777% | 1,580 |
| Net interest margin | 2.5295% | 7,721 |
| Noninterest income to average assets | 0.5495% | 4,234 |
| Noninterest expense to average assets | 2.3580% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4110% | 5,110 |
| Return on assets (ROA) | 0.4110% | 4,922 |
| Pretax return on assets | 0.6072% | 4,669 |
| Return on Equity (ROE) | 4.5926% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.5926% | 2,272 |
| Net charge-offs to loans | 0.0635% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 23.3889% | 1,427 |
| Efficiency ratio | 79.5233% | 2,670 |
| Assets per employee ($millions) | 4.7537% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 7,479 |
| Loan loss allowance to noncurrent loans | 31.0873% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 4,553 |
| Noncurrent loans to loans | 2.1864% | 2,525 |
| Net loans and leases to total assets | 41.6002% | 7,607 |
| Net loans and leases to deposits | 47.2687% | 7,744 |
| Net loans and leases to core deposits | 58.8400% | 7,637 |
| Total domestic deposits to total assets | 88.0079% | 1,469 |
| Equity capital to assets | 8.8619% | 5,549 |
| Core capital (leverage) ratio | 8.8619% | 4,952 |
| Tier 1 risk-based capital ratio | 25.4296% | 952 |
| Total risk-based capital ratio | 26.2465% | 972 |
| Memoranda: | ||
| Average total assets | $69,338,400 | 6,057 |
| Average earning assets | $66,218,000 | 5,960 |
| Average equity | $6,205,600 | 6,734 |
| Average total loans | $28,356,200 | 6,812 |