Home > First Federal Savings and Loan Bank > Performance and Condition Ratios
First Federal Savings and Loan Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7075% | 134 |
| Cost of funding earning assets | 2.7613% | 223 |
| Net interest margin | 4.9462% | 340 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 0.7616% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.8522% | 106 |
| Return on assets (ROA) | 3.8522% | 106 |
| Pretax return on assets | 4.0889% | 112 |
| Return on Equity (ROE) | 29.6900% | 186 |
| Retained earnings to average equity (ytd only) | 2.5925% | 3,412 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 15.7025% | 4,536 |
| Assets per employee ($millions) | 17.9035% | 135 |
| Cash dividends to net income (ytd only)* | 91.2690% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,473 |
| Loan loss allowance to noncurrent loans | 37.7267% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 2.3096% | 103 |
| Noncurrent loans to loans | 2.5552% | 190 |
| Net loans and leases to total assets | 89.5200% | 43 |
| Net loans and leases to deposits | 108.9482% | 221 |
| Net loans and leases to core deposits | 257.0008% | 59 |
| Total domestic deposits to total assets | 82.1700% | 3,099 |
| Equity capital to assets | 12.4473% | 997 |
| Core capital (leverage) ratio | 12.6856% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $102,278,000 | 3,810 |
| Average earning assets | $100,097,400 | 3,743 |
| Average equity | $13,269,000 | 3,399 |
| Average total loans | $93,129,200 | 3,251 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5911% | 131 |
| Cost of funding earning assets | 2.6422% | 218 |
| Net interest margin | 4.9489% | 330 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 0.7367% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.8814% | 116 |
| Return on assets (ROA) | 3.8814% | 116 |
| Pretax return on assets | 4.1203% | 129 |
| Return on Equity (ROE) | 29.6000% | 235 |
| Retained earnings to average equity (ytd only) | 3.5035% | 3,384 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 15.1672% | 4,564 |
| Assets per employee ($millions) | 17.4015% | 133 |
| Cash dividends to net income (ytd only)* | 88.1633% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,504 |
| Loan loss allowance to noncurrent loans | 89.5694% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 521 |
| Noncurrent loans to loans | 1.0813% | 735 |
| Net loans and leases to total assets | 91.6700% | 19 |
| Net loans and leases to deposits | 111.9417% | 167 |
| Net loans and leases to core deposits | 264.0175% | 21 |
| Total domestic deposits to total assets | 81.8900% | 3,234 |
| Equity capital to assets | 12.8102% | 852 |
| Core capital (leverage) ratio | 12.8736% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $100,992,250 | 3,838 |
| Average earning assets | $98,955,750 | 3,770 |
| Average equity | $13,243,500 | 3,397 |
| Average total loans | $92,137,000 | 3,264 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3953% | 137 |
| Cost of funding earning assets | 2.5170% | 188 |
| Net interest margin | 4.8784% | 359 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 0.7010% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.8416% | 104 |
| Return on assets (ROA) | 3.8416% | 106 |
| Pretax return on assets | 4.0840% | 111 |
| Return on Equity (ROE) | 29.0600% | 235 |
| Retained earnings to average equity (ytd only) | 4.2880% | 3,133 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 14.6505% | 4,591 |
| Assets per employee ($millions) | 17.1862% | 135 |
| Cash dividends to net income (ytd only)* | 85.2450% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,391 |
| Loan loss allowance to noncurrent loans | 83.8710% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 409 |
| Noncurrent loans to loans | 1.2012% | 589 |
| Net loans and leases to total assets | 89.1900% | 49 |
| Net loans and leases to deposits | 108.8828% | 225 |
| Net loans and leases to core deposits | 251.9864% | 22 |
| Total domestic deposits to total assets | 81.9100% | 3,249 |
| Equity capital to assets | 12.9077% | 831 |
| Core capital (leverage) ratio | 13.3753% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $99,853,333 | 3,860 |
| Average earning assets | $97,737,333 | 3,799 |
| Average equity | $13,199,667 | 3,417 |
| Average total loans | $90,634,333 | 3,291 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2840% | 94 |
| Cost of funding earning assets | 2.3395% | 136 |
| Net interest margin | 4.9445% | 316 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 0.8104% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.8077% | 105 |
| Return on assets (ROA) | 3.8077% | 105 |
| Pretax return on assets | 4.0521% | 110 |
| Return on Equity (ROE) | 28.4500% | 270 |
| Retained earnings to average equity (ytd only) | 7.1513% | 2,453 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 16.6667% | 4,650 |
| Assets per employee ($millions) | 16.7905% | 146 |
| Cash dividends to net income (ytd only)* | 74.8663% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,349 |
| Loan loss allowance to noncurrent loans | 77.9351% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 306 |
| Noncurrent loans to loans | 1.3315% | 498 |
| Net loans and leases to total assets | 88.6100% | 59 |
| Net loans and leases to deposits | 109.0834% | 201 |
| Net loans and leases to core deposits | 253.5405% | 21 |
| Total domestic deposits to total assets | 81.2300% | 3,600 |
| Equity capital to assets | 13.1642% | 725 |
| Core capital (leverage) ratio | 13.3070% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3507% | 382 |
| Memoranda: | ||
| Average total assets | $98,221,500 | 3,922 |
| Average earning assets | $96,430,500 | 3,859 |
| Average equity | $13,144,500 | 3,463 |
| Average total loans | $89,498,500 | 3,340 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9008% | 48 |
| Cost of funding earning assets | 1.4545% | 33 |
| Net interest margin | 5.4463% | 89 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 0.9772% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 4.1602% | 76 |
| Return on assets (ROA) | 4.1602% | 73 |
| Pretax return on assets | 4.3841% | 81 |
| Return on Equity (ROE) | 29.6100% | 124 |
| Retained earnings to average equity (ytd only) | -2.1903% | 4,489 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 18.2268% | 4,694 |
| Assets per employee ($millions) | 13.6726% | 263 |
| Cash dividends to net income (ytd only)* | 107.3961% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,103 |
| Loan loss allowance to noncurrent loans | 72.6144% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3468% | 263 |
| Noncurrent loans to loans | 1.4516% | 454 |
| Net loans and leases to total assets | 91.8000% | 19 |
| Net loans and leases to deposits | 114.1348% | 115 |
| Net loans and leases to core deposits | 261.6001% | 19 |
| Total domestic deposits to total assets | 80.4300% | 3,820 |
| Equity capital to assets | 13.6112% | 616 |
| Core capital (leverage) ratio | 13.7920% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $94,250,200 | 3,976 |
| Average earning assets | $92,540,000 | 3,910 |
| Average equity | $13,240,000 | 3,553 |
| Average total loans | $83,919,000 | 3,356 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8222% | 43 |
| Cost of funding earning assets | 1.3682% | 13 |
| Net interest margin | 5.4540% | 80 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 1.0253% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 4.1297% | 76 |
| Return on assets (ROA) | 4.1297% | 73 |
| Pretax return on assets | 4.3442% | 82 |
| Return on Equity (ROE) | 29.1700% | 110 |
| Retained earnings to average equity (ytd only) | -0.6319% | 4,397 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 19.0955% | 4,728 |
| Assets per employee ($millions) | 15.5778% | 181 |
| Cash dividends to net income (ytd only)* | 102.1664% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,934 |
| Loan loss allowance to noncurrent loans | 72.3338% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 266 |
| Noncurrent loans to loans | 1.5451% | 444 |
| Net loans and leases to total assets | 88.6000% | 46 |
| Net loans and leases to deposits | 105.7964% | 194 |
| Net loans and leases to core deposits | 233.8143% | 21 |
| Total domestic deposits to total assets | 83.7400% | 3,553 |
| Equity capital to assets | 14.1804% | 547 |
| Core capital (leverage) ratio | 14.1221% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $93,885,750 | 4,005 |
| Average earning assets | $92,186,750 | 3,937 |
| Average equity | $13,293,250 | 3,585 |
| Average total loans | $82,699,500 | 3,384 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8091% | 43 |
| Cost of funding earning assets | 1.3215% | 7 |
| Net interest margin | 5.4876% | 72 |
| Noninterest income to average assets | 0.0149% | 4,711 |
| Noninterest expense to average assets | 0.9955% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 4.2138% | 41 |
| Return on assets (ROA) | 4.2138% | 38 |
| Pretax return on assets | 4.4073% | 46 |
| Return on Equity (ROE) | 29.7753% | 61 |
| Retained earnings to average equity (ytd only) | -0.8718% | 4,285 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.4252% | 4,758 |
| Assets per employee ($millions) | 11.8586% | 394 |
| Cash dividends to net income (ytd only)* | 102.9278% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,912 |
| Loan loss allowance to noncurrent loans | 49.6812% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.9838% | 140 |
| Noncurrent loans to loans | 2.3214% | 264 |
| Net loans and leases to total assets | 84.4723% | 168 |
| Net loans and leases to deposits | 100.6089% | 252 |
| Net loans and leases to core deposits | 213.7355% | 26 |
| Total domestic deposits to total assets | 83.9610% | 3,693 |
| Equity capital to assets | 13.9772% | 517 |
| Core capital (leverage) ratio | 14.1271% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,025,333 | 4,045 |
| Average earning assets | $92,318,000 | 3,990 |
| Average equity | $13,306,333 | 3,652 |
| Average total loans | $82,350,667 | 3,422 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9055% | 37 |
| Cost of funding earning assets | 1.3019% | 8 |
| Net interest margin | 5.6037% | 66 |
| Noninterest income to average assets | 0.0085% | 4,743 |
| Noninterest expense to average assets | 0.8974% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 4.4785% | 46 |
| Return on assets (ROA) | 4.4785% | 44 |
| Pretax return on assets | 4.6109% | 50 |
| Return on Equity (ROE) | 31.4490% | 53 |
| Retained earnings to average equity (ytd only) | 0.7502% | 3,868 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.2917% | 4,782 |
| Assets per employee ($millions) | 13.3804% | 286 |
| Cash dividends to net income (ytd only)* | 97.6145% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,243 |
| Loan loss allowance to noncurrent loans | 43.9586% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 2.2709% | 116 |
| Noncurrent loans to loans | 2.5462% | 234 |
| Net loans and leases to total assets | 88.1885% | 26 |
| Net loans and leases to deposits | 105.8296% | 100 |
| Net loans and leases to core deposits | 233.5577% | 22 |
| Total domestic deposits to total assets | 83.3307% | 3,898 |
| Equity capital to assets | 14.2447% | 486 |
| Core capital (leverage) ratio | 14.2480% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,603,500 | 4,065 |
| Average earning assets | $91,868,500 | 4,006 |
| Average equity | $13,329,500 | 3,726 |
| Average total loans | $82,989,500 | 3,420 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3910% | 58 |
| Cost of funding earning assets | 1.5301% | 9 |
| Net interest margin | 4.8609% | 165 |
| Noninterest income to average assets | 0.0336% | 4,748 |
| Noninterest expense to average assets | 0.9777% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.7112% | 68 |
| Return on assets (ROA) | 3.7112% | 72 |
| Pretax return on assets | 3.8268% | 86 |
| Return on Equity (ROE) | 26.7052% | 99 |
| Retained earnings to average equity (ytd only) | -1.0428% | 4,583 |
| Net charge-offs to loans | -0.0187% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.3497% | 4,822 |
| Assets per employee ($millions) | 13.3447% | 286 |
| Cash dividends to net income (ytd only)* | 103.9049% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,205 |
| Loan loss allowance to noncurrent loans | 40.6345% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 2.4633% | 106 |
| Noncurrent loans to loans | 2.7910% | 224 |
| Net loans and leases to total assets | 87.2566% | 42 |
| Net loans and leases to deposits | 104.5429% | 127 |
| Net loans and leases to core deposits | 238.0937% | 23 |
| Total domestic deposits to total assets | 83.4648% | 3,703 |
| Equity capital to assets | 14.2560% | 619 |
| Core capital (leverage) ratio | 14.0421% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,224,200 | 4,041 |
| Average earning assets | $93,459,200 | 3,982 |
| Average equity | $13,233,400 | 3,806 |
| Average total loans | $80,284,400 | 3,480 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2819% | 70 |
| Cost of funding earning assets | 1.5793% | 9 |
| Net interest margin | 4.7025% | 225 |
| Noninterest income to average assets | 0.0418% | 4,816 |
| Noninterest expense to average assets | 1.0354% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.4992% | 86 |
| Return on assets (ROA) | 3.4992% | 88 |
| Pretax return on assets | 3.6204% | 111 |
| Return on Equity (ROE) | 25.3390% | 167 |
| Retained earnings to average equity (ytd only) | -3.0173% | 4,749 |
| Net charge-offs to loans | -0.0251% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.2389% | 4,893 |
| Assets per employee ($millions) | 19.0198% | 120 |
| Cash dividends to net income (ytd only)* | 111.9076% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,289 |
| Loan loss allowance to noncurrent loans | 41.5371% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 2.3670% | 136 |
| Noncurrent loans to loans | 2.7221% | 259 |
| Net loans and leases to total assets | 85.9725% | 65 |
| Net loans and leases to deposits | 105.6591% | 139 |
| Net loans and leases to core deposits | 238.8728% | 26 |
| Total domestic deposits to total assets | 81.3678% | 4,036 |
| Equity capital to assets | 13.8340% | 773 |
| Core capital (leverage) ratio | 13.9023% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,677,000 | 4,087 |
| Average earning assets | $93,876,250 | 4,024 |
| Average equity | $13,212,500 | 3,865 |
| Average total loans | $79,744,500 | 3,531 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2160% | 77 |
| Cost of funding earning assets | 1.6444% | 7 |
| Net interest margin | 4.5716% | 317 |
| Noninterest income to average assets | 0.0542% | 4,830 |
| Noninterest expense to average assets | 0.9638% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.4401% | 91 |
| Return on assets (ROA) | 3.4401% | 93 |
| Pretax return on assets | 3.5736% | 114 |
| Return on Equity (ROE) | 24.9257% | 196 |
| Retained earnings to average equity (ytd only) | -5.2149% | 4,792 |
| Net charge-offs to loans | -0.0152% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2414% | 4,927 |
| Assets per employee ($millions) | 18.9992% | 114 |
| Cash dividends to net income (ytd only)* | 120.9218% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,886 |
| Loan loss allowance to noncurrent loans | 40.9091% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 154 |
| Noncurrent loans to loans | 2.9530% | 250 |
| Net loans and leases to total assets | 79.8023% | 330 |
| Net loans and leases to deposits | 98.2109% | 306 |
| Net loans and leases to core deposits | 206.2381% | 34 |
| Total domestic deposits to total assets | 81.2561% | 4,053 |
| Equity capital to assets | 13.8016% | 755 |
| Core capital (leverage) ratio | 13.9408% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,869,667 | 4,109 |
| Average earning assets | $94,016,000 | 4,041 |
| Average equity | $13,231,333 | 3,872 |
| Average total loans | $78,761,333 | 3,567 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3060% | 74 |
| Cost of funding earning assets | 1.7460% | 9 |
| Net interest margin | 4.5600% | 330 |
| Noninterest income to average assets | 0.1038% | 4,665 |
| Noninterest expense to average assets | 0.9802% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.4598% | 112 |
| Return on assets (ROA) | 3.4598% | 121 |
| Pretax return on assets | 3.5927% | 135 |
| Return on Equity (ROE) | 25.0687% | 257 |
| Retained earnings to average equity (ytd only) | -9.8409% | 4,814 |
| Net charge-offs to loans | -0.0150% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.4351% | 4,948 |
| Assets per employee ($millions) | 15.8382% | 172 |
| Cash dividends to net income (ytd only)* | 139.2557% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,073 |
| Loan loss allowance to noncurrent loans | 39.1858% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 2.4813% | 167 |
| Noncurrent loans to loans | 2.9954% | 264 |
| Net loans and leases to total assets | 81.8666% | 231 |
| Net loans and leases to deposits | 100.7798% | 265 |
| Net loans and leases to core deposits | 214.7131% | 31 |
| Total domestic deposits to total assets | 81.2331% | 4,024 |
| Equity capital to assets | 13.8147% | 712 |
| Core capital (leverage) ratio | 13.6767% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,306,500 | 4,115 |
| Average earning assets | $94,386,000 | 4,046 |
| Average equity | $13,291,500 | 3,874 |
| Average total loans | $79,774,000 | 3,564 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0444% | 90 |
| Cost of funding earning assets | 2.0005% | 8 |
| Net interest margin | 4.0439% | 887 |
| Noninterest income to average assets | 0.0154% | 4,926 |
| Noninterest expense to average assets | 1.2210% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.6277% | 123 |
| Return on assets (ROA) | 2.6277% | 127 |
| Pretax return on assets | 2.7580% | 139 |
| Return on Equity (ROE) | 20.9894% | 188 |
| Retained earnings to average equity (ytd only) | 17.6619% | 95 |
| Net charge-offs to loans | 0.0230% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 149.3333% | 576 |
| Efficiency ratio | 30.6859% | 4,956 |
| Assets per employee ($millions) | 16.2640% | 146 |
| Cash dividends to net income (ytd only)* | 15.8532% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,259 |
| Loan loss allowance to noncurrent loans | 40.2008% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.3477% | 205 |
| Noncurrent loans to loans | 2.8344% | 327 |
| Net loans and leases to total assets | 81.8843% | 303 |
| Net loans and leases to deposits | 100.8341% | 338 |
| Net loans and leases to core deposits | 220.5216% | 33 |
| Total domestic deposits to total assets | 81.2070% | 3,830 |
| Equity capital to assets | 13.7881% | 846 |
| Core capital (leverage) ratio | 13.6923% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,460,200 | 4,034 |
| Average earning assets | $95,527,200 | 3,952 |
| Average equity | $12,201,400 | 3,954 |
| Average total loans | $78,409,800 | 3,585 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0202% | 106 |
| Cost of funding earning assets | 2.0239% | 13 |
| Net interest margin | 3.9962% | 1,124 |
| Noninterest income to average assets | 0.0096% | 4,972 |
| Noninterest expense to average assets | 1.2782% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.5194% | 138 |
| Return on assets (ROA) | 2.5194% | 146 |
| Pretax return on assets | 2.6494% | 169 |
| Return on Equity (ROE) | 20.6478% | 219 |
| Retained earnings to average equity (ytd only) | 16.1055% | 151 |
| Net charge-offs to loans | 0.0343% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 96.8000% | 810 |
| Efficiency ratio | 32.5436% | 4,980 |
| Assets per employee ($millions) | 16.4743% | 133 |
| Cash dividends to net income (ytd only)* | 21.9989% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,880 |
| Loan loss allowance to noncurrent loans | 37.1764% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 2.5009% | 219 |
| Noncurrent loans to loans | 3.1239% | 288 |
| Net loans and leases to total assets | 79.1261% | 696 |
| Net loans and leases to deposits | 97.2339% | 673 |
| Net loans and leases to core deposits | 212.1433% | 35 |
| Total domestic deposits to total assets | 81.3771% | 3,572 |
| Equity capital to assets | 12.8847% | 1,234 |
| Core capital (leverage) ratio | 12.7290% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8442% | 370 |
| Memoranda: | ||
| Average total assets | $97,429,250 | 4,030 |
| Average earning assets | $95,520,500 | 3,943 |
| Average equity | $11,888,000 | 3,994 |
| Average total loans | $77,805,500 | 3,612 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0477% | 140 |
| Cost of funding earning assets | 2.0657% | 16 |
| Net interest margin | 3.9820% | 1,370 |
| Noninterest income to average assets | 0.0083% | 4,997 |
| Noninterest expense to average assets | 1.3986% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.3804% | 164 |
| Return on assets (ROA) | 2.3804% | 178 |
| Pretax return on assets | 2.5104% | 212 |
| Return on Equity (ROE) | 19.8874% | 251 |
| Retained earnings to average equity (ytd only) | 12.9079% | 367 |
| Net charge-offs to loans | 0.1086% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 28.9762% | 1,460 |
| Efficiency ratio | 35.7784% | 4,982 |
| Assets per employee ($millions) | 16.1693% | 137 |
| Cash dividends to net income (ytd only)* | 35.0953% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,551 |
| Loan loss allowance to noncurrent loans | 32.7253% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.9634% | 158 |
| Noncurrent loans to loans | 3.6474% | 208 |
| Net loans and leases to total assets | 76.5369% | 1,060 |
| Net loans and leases to deposits | 93.3953% | 1,015 |
| Net loans and leases to core deposits | 213.6654% | 33 |
| Total domestic deposits to total assets | 81.9494% | 3,387 |
| Equity capital to assets | 12.4196% | 1,418 |
| Core capital (leverage) ratio | 12.3414% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,957,000 | 4,036 |
| Average earning assets | $94,978,333 | 3,953 |
| Average equity | $11,605,333 | 4,032 |
| Average total loans | $77,363,333 | 3,624 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0060% | 164 |
| Cost of funding earning assets | 2.1032% | 22 |
| Net interest margin | 3.9029% | 1,663 |
| Noninterest income to average assets | 0.0083% | 5,046 |
| Noninterest expense to average assets | 1.3371% | 4,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3647% | 137 |
| Return on assets (ROA) | 2.3647% | 152 |
| Pretax return on assets | 2.4926% | 164 |
| Return on Equity (ROE) | 20.1344% | 163 |
| Retained earnings to average equity (ytd only) | 5.9033% | 1,914 |
| Net charge-offs to loans | -0.0153% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9138% | 5,035 |
| Assets per employee ($millions) | 16.1503% | 112 |
| Cash dividends to net income (ytd only)* | 70.6806% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,598 |
| Loan loss allowance to noncurrent loans | 24.6597% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 4.0629% | 99 |
| Noncurrent loans to loans | 4.9169% | 128 |
| Net loans and leases to total assets | 79.2027% | 791 |
| Net loans and leases to deposits | 96.3276% | 877 |
| Net loans and leases to core deposits | 201.5573% | 40 |
| Total domestic deposits to total assets | 82.2222% | 3,352 |
| Equity capital to assets | 11.8336% | 2,194 |
| Core capital (leverage) ratio | 11.7276% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8021% | 506 |
| Memoranda: | ||
| Average total assets | $96,927,500 | 4,036 |
| Average earning assets | $94,904,500 | 3,946 |
| Average equity | $11,383,500 | 4,083 |
| Average total loans | $78,470,000 | 3,608 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3979% | 127 |
| Cost of funding earning assets | 2.0087% | 57 |
| Net interest margin | 4.3893% | 912 |
| Noninterest income to average assets | 0.1202% | 4,858 |
| Noninterest expense to average assets | 1.2253% | 5,088 |
| Loan and lease loss provision to assets | 0.0844% | 2,316 |
| Net operating income to assets | 2.9420% | 84 |
| Return on assets (ROA) | 2.9420% | 86 |
| Pretax return on assets | 3.0917% | 92 |
| Return on Equity (ROE) | 25.0072% | 77 |
| Retained earnings to average equity (ytd only) | 8.2909% | 891 |
| Net charge-offs to loans | -0.0148% | 4,567 |
| Credit loss provision to net charge-offs | -666.6667% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8390% | 5,140 |
| Assets per employee ($millions) | 19.3906% | 67 |
| Cash dividends to net income (ytd only)* | 66.8459% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,513 |
| Loan loss allowance to noncurrent loans | 29.5097% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 3.2820% | 151 |
| Noncurrent loans to loans | 4.0152% | 169 |
| Net loans and leases to total assets | 80.7711% | 696 |
| Net loans and leases to deposits | 97.9708% | 764 |
| Net loans and leases to core deposits | 216.2244% | 38 |
| Total domestic deposits to total assets | 82.4441% | 3,384 |
| Equity capital to assets | 11.6551% | 2,380 |
| Core capital (leverage) ratio | 11.6160% | 2,027 |
| Tier 1 risk-based capital ratio | 21.3716% | 1,106 |
| Total risk-based capital ratio | 22.6274% | 1,082 |
| Memoranda: | ||
| Average total assets | $94,834,400 | 4,077 |
| Average earning assets | $92,498,400 | 4,006 |
| Average equity | $11,156,800 | 4,104 |
| Average total loans | $80,993,200 | 3,581 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4762% | 116 |
| Cost of funding earning assets | 1.9880% | 67 |
| Net interest margin | 4.4882% | 791 |
| Noninterest income to average assets | 0.0184% | 5,174 |
| Noninterest expense to average assets | 1.0830% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.1797% | 70 |
| Return on assets (ROA) | 3.1797% | 74 |
| Pretax return on assets | 3.3083% | 93 |
| Return on Equity (ROE) | 26.9633% | 62 |
| Retained earnings to average equity (ytd only) | 14.6746% | 172 |
| Net charge-offs to loans | -0.0147% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.6619% | 5,227 |
| Assets per employee ($millions) | 16.1693% | 100 |
| Cash dividends to net income (ytd only)* | 45.5758% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,227 |
| Loan loss allowance to noncurrent loans | 35.8159% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.4635% | 283 |
| Noncurrent loans to loans | 2.9616% | 338 |
| Net loans and leases to total assets | 82.2998% | 531 |
| Net loans and leases to deposits | 100.7470% | 582 |
| Net loans and leases to core deposits | 226.5785% | 36 |
| Total domestic deposits to total assets | 81.6896% | 3,563 |
| Equity capital to assets | 11.9558% | 2,296 |
| Core capital (leverage) ratio | 12.1452% | 1,762 |
| Tier 1 risk-based capital ratio | 21.8828% | 1,085 |
| Total risk-based capital ratio | 23.1356% | 1,060 |
| Memoranda: | ||
| Average total assets | $94,304,750 | 4,131 |
| Average earning assets | $91,883,500 | 4,057 |
| Average equity | $11,121,000 | 4,142 |
| Average total loans | $81,429,250 | 3,615 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5293% | 107 |
| Cost of funding earning assets | 1.9808% | 63 |
| Net interest margin | 4.5485% | 686 |
| Noninterest income to average assets | 0.0214% | 5,212 |
| Noninterest expense to average assets | 1.3019% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.0171% | 86 |
| Return on assets (ROA) | 3.0171% | 91 |
| Pretax return on assets | 3.1499% | 103 |
| Return on Equity (ROE) | 25.7078% | 83 |
| Retained earnings to average equity (ytd only) | 19.3219% | 68 |
| Net charge-offs to loans | -0.0147% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2448% | 5,259 |
| Assets per employee ($millions) | 13.4750% | 146 |
| Cash dividends to net income (ytd only)* | 24.8403% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,322 |
| Loan loss allowance to noncurrent loans | 42.4801% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.3143% | 344 |
| Noncurrent loans to loans | 2.4787% | 488 |
| Net loans and leases to total assets | 84.9796% | 284 |
| Net loans and leases to deposits | 104.7516% | 391 |
| Net loans and leases to core deposits | 246.5156% | 30 |
| Total domestic deposits to total assets | 81.1248% | 3,766 |
| Equity capital to assets | 12.1219% | 2,102 |
| Core capital (leverage) ratio | 12.0341% | 1,805 |
| Tier 1 risk-based capital ratio | 21.6046% | 1,105 |
| Total risk-based capital ratio | 22.8573% | 1,083 |
| Memoranda: | ||
| Average total assets | $93,401,000 | 4,164 |
| Average earning assets | $90,974,670 | 4,098 |
| Average equity | $10,961,670 | 4,181 |
| Average total loans | $81,672,330 | 3,626 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6215% | 104 |
| Cost of funding earning assets | 1.9634% | 61 |
| Net interest margin | 4.6581% | 543 |
| Noninterest income to average assets | 0.0086% | 5,295 |
| Noninterest expense to average assets | 1.3729% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.0170% | 84 |
| Return on assets (ROA) | 3.0170% | 91 |
| Pretax return on assets | 3.1591% | 113 |
| Return on Equity (ROE) | 26.1433% | 89 |
| Retained earnings to average equity (ytd only) | 26.1433% | 44 |
| Net charge-offs to loans | -0.0146% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2944% | 5,314 |
| Assets per employee ($millions) | 13.5357% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,432 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.8354% | 567 |
| Noncurrent loans to loans | 1.9219% | 788 |
| Net loans and leases to total assets | 84.9889% | 282 |
| Net loans and leases to deposits | 104.9554% | 360 |
| Net loans and leases to core deposits | 249.5182% | 34 |
| Total domestic deposits to total assets | 80.9763% | 3,977 |
| Equity capital to assets | 11.6897% | 2,242 |
| Core capital (leverage) ratio | 11.6992% | 1,983 |
| Tier 1 risk-based capital ratio | 21.1774% | 1,141 |
| Total risk-based capital ratio | 22.4317% | 1,122 |
| Memoranda: | ||
| Average total assets | $92,939,000 | 4,216 |
| Average earning assets | $90,251,000 | 4,138 |
| Average equity | $10,725,500 | 4,236 |
| Average total loans | $82,003,500 | 3,653 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7284% | 70 |
| Cost of funding earning assets | 1.7287% | 37 |
| Net interest margin | 4.9997% | 263 |
| Noninterest income to average assets | -0.1140% | 5,375 |
| Noninterest expense to average assets | 1.5478% | 5,198 |
| Loan and lease loss provision to assets | 0.0128% | 3,887 |
| Net operating income to assets | 3.0479% | 76 |
| Return on assets (ROA) | 3.0479% | 78 |
| Pretax return on assets | 3.1619% | 83 |
| Return on Equity (ROE) | 27.1833% | 60 |
| Retained earnings to average equity (ytd only) | 14.7178% | 131 |
| Net charge-offs to loans | -0.0116% | 4,535 |
| Credit loss provision to net charge-offs | -122.2222% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7748% | 5,350 |
| Assets per employee ($millions) | 13.0183% | 159 |
| Cash dividends to net income (ytd only)* | 45.8572% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,525 |
| Loan loss allowance to noncurrent loans | 72.0238% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 795 |
| Noncurrent loans to loans | 1.4232% | 1,094 |
| Net loans and leases to total assets | 89.7452% | 66 |
| Net loans and leases to deposits | 120.8717% | 91 |
| Net loans and leases to core deposits | 296.4441% | 26 |
| Total domestic deposits to total assets | 74.2483% | 4,933 |
| Equity capital to assets | 11.3851% | 2,343 |
| Core capital (leverage) ratio | 11.4932% | 2,110 |
| Tier 1 risk-based capital ratio | 19.8641% | 1,329 |
| Total risk-based capital ratio | 21.1181% | 1,302 |
| Memoranda: | ||
| Average total assets | $85,929,400 | 4,329 |
| Average earning assets | $83,125,200 | 4,264 |
| Average equity | $9,634,600 | 4,364 |
| Average total loans | $77,804,000 | 3,711 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7123% | 72 |
| Cost of funding earning assets | 1.6720% | 34 |
| Net interest margin | 5.0404% | 247 |
| Noninterest income to average assets | -0.1607% | 5,453 |
| Noninterest expense to average assets | 1.5928% | 5,212 |
| Loan and lease loss provision to assets | 0.0173% | 3,667 |
| Net operating income to assets | 2.9918% | 78 |
| Return on assets (ROA) | 2.9918% | 78 |
| Pretax return on assets | 3.1068% | 103 |
| Return on Equity (ROE) | 26.7944% | 58 |
| Retained earnings to average equity (ytd only) | 9.8486% | 970 |
| Net charge-offs to loans | -0.0017% | 4,073 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7675% | 5,406 |
| Assets per employee ($millions) | 12.2801% | 183 |
| Cash dividends to net income (ytd only)* | 63.2436% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,371 |
| Loan loss allowance to noncurrent loans | 70.2680% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.3890% | 965 |
| Noncurrent loans to loans | 1.5193% | 1,069 |
| Net loans and leases to total assets | 90.4468% | 59 |
| Net loans and leases to deposits | 114.5001% | 173 |
| Net loans and leases to core deposits | 279.0603% | 25 |
| Total domestic deposits to total assets | 78.9928% | 4,318 |
| Equity capital to assets | 11.2318% | 2,446 |
| Core capital (leverage) ratio | 11.1548% | 2,452 |
| Tier 1 risk-based capital ratio | 20.0299% | 1,331 |
| Total risk-based capital ratio | 21.2850% | 1,295 |
| Memoranda: | ||
| Average total assets | $84,629,750 | 4,396 |
| Average earning assets | $81,897,000 | 4,330 |
| Average equity | $9,449,500 | 4,427 |
| Average total loans | $76,597,500 | 3,771 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7491% | 69 |
| Cost of funding earning assets | 1.6282% | 30 |
| Net interest margin | 5.1209% | 196 |
| Noninterest income to average assets | -0.2518% | 5,522 |
| Noninterest expense to average assets | 1.5680% | 5,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.0053% | 82 |
| Return on assets (ROA) | 3.0053% | 82 |
| Pretax return on assets | 3.1193% | 102 |
| Return on Equity (ROE) | 26.9694% | 54 |
| Retained earnings to average equity (ytd only) | 12.1735% | 494 |
| Net charge-offs to loans | -0.0184% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4516% | 5,471 |
| Assets per employee ($millions) | 12.0013% | 190 |
| Cash dividends to net income (ytd only)* | 54.8617% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,260 |
| Loan loss allowance to noncurrent loans | 72.0830% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 1,013 |
| Noncurrent loans to loans | 1.5264% | 1,095 |
| Net loans and leases to total assets | 89.2321% | 97 |
| Net loans and leases to deposits | 109.2214% | 304 |
| Net loans and leases to core deposits | 118.0483% | 626 |
| Total domestic deposits to total assets | 81.6984% | 3,812 |
| Equity capital to assets | 11.3416% | 2,315 |
| Core capital (leverage) ratio | 11.2247% | 2,321 |
| Tier 1 risk-based capital ratio | 20.0084% | 1,317 |
| Total risk-based capital ratio | 21.2642% | 1,289 |
| Memoranda: | ||
| Average total assets | $84,186,000 | 4,447 |
| Average earning assets | $81,196,330 | 4,379 |
| Average equity | $9,381,000 | 4,476 |
| Average total loans | $75,934,000 | 3,810 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7680% | 68 |
| Cost of funding earning assets | 1.6313% | 17 |
| Net interest margin | 5.1368% | 177 |
| Noninterest income to average assets | 0.0095% | 5,546 |
| Noninterest expense to average assets | 1.4856% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.3272% | 69 |
| Return on assets (ROA) | 3.3272% | 70 |
| Pretax return on assets | 3.4411% | 81 |
| Return on Equity (ROE) | 30.1262% | 41 |
| Retained earnings to average equity (ytd only) | 30.1262% | 18 |
| Net charge-offs to loans | -0.0211% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1541% | 5,560 |
| Assets per employee ($millions) | 14.0142% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,369 |
| Loan loss allowance to noncurrent loans | 57.9094% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.2430% | 452 |
| Noncurrent loans to loans | 1.9014% | 859 |
| Net loans and leases to total assets | 88.7673% | 99 |
| Net loans and leases to deposits | 110.3603% | 245 |
| Net loans and leases to core deposits | 120.9803% | 557 |
| Total domestic deposits to total assets | 80.4341% | 4,338 |
| Equity capital to assets | 11.4860% | 2,145 |
| Core capital (leverage) ratio | 11.0969% | 2,335 |
| Tier 1 risk-based capital ratio | 19.8549% | 1,373 |
| Total risk-based capital ratio | 21.1110% | 1,339 |
| Memoranda: | ||
| Average total assets | $84,274,500 | 4,492 |
| Average earning assets | $80,673,500 | 4,438 |
| Average equity | $9,307,500 | 4,536 |
| Average total loans | $76,002,500 | 3,838 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7182% | 67 |
| Cost of funding earning assets | 1.5344% | 20 |
| Net interest margin | 5.1838% | 173 |
| Noninterest income to average assets | 0.1539% | 5,189 |
| Noninterest expense to average assets | 1.6831% | 5,350 |
| Loan and lease loss provision to assets | 0.0180% | 3,940 |
| Net operating income to assets | 3.2844% | 59 |
| Return on assets (ROA) | 3.2844% | 60 |
| Pretax return on assets | 3.4238% | 78 |
| Return on Equity (ROE) | 30.6491% | 33 |
| Retained earnings to average equity (ytd only) | 0.6058% | 4,799 |
| Net charge-offs to loans | 0.0040% | 3,956 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 954.3333% | 90 |
| Efficiency ratio | 32.8407% | 5,614 |
| Assets per employee ($millions) | 12.0663% | 184 |
| Cash dividends to net income (ytd only)* | 98.0234% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,446 |
| Loan loss allowance to noncurrent loans | 51.5265% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.3904% | 407 |
| Noncurrent loans to loans | 2.0971% | 716 |
| Net loans and leases to total assets | 89.6323% | 87 |
| Net loans and leases to deposits | 111.2586% | 236 |
| Net loans and leases to core deposits | 235.3854% | 33 |
| Total domestic deposits to total assets | 80.5621% | 4,228 |
| Equity capital to assets | 10.6045% | 3,048 |
| Core capital (leverage) ratio | 11.2559% | 2,122 |
| Tier 1 risk-based capital ratio | 18.3207% | 1,706 |
| Total risk-based capital ratio | 19.5766% | 1,659 |
| Memoranda: | ||
| Average total assets | $83,181,600 | 4,528 |
| Average earning assets | $79,768,200 | 4,468 |
| Average equity | $8,913,800 | 4,629 |
| Average total loans | $74,943,800 | 3,850 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6604% | 68 |
| Cost of funding earning assets | 1.5143% | 19 |
| Net interest margin | 5.1461% | 180 |
| Noninterest income to average assets | -0.0097% | 5,696 |
| Noninterest expense to average assets | 1.5334% | 5,495 |
| Loan and lease loss provision to assets | 0.0241% | 3,662 |
| Net operating income to assets | 3.2906% | 65 |
| Return on assets (ROA) | 3.2906% | 65 |
| Pretax return on assets | 3.3871% | 92 |
| Return on Equity (ROE) | 30.6256% | 29 |
| Retained earnings to average equity (ytd only) | 0.9135% | 5,002 |
| Net charge-offs to loans | 0.0125% | 3,291 |
| Credit loss provision to net charge-offs | 214.2857% | 1,279 |
| Earnings coverage of net charge-offs (x) | 302.9582% | 304 |
| Efficiency ratio | 31.0120% | 5,689 |
| Assets per employee ($millions) | 12.0489% | 182 |
| Cash dividends to net income (ytd only)* | 97.0172% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,568 |
| Loan loss allowance to noncurrent loans | 36.7903% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 3.3993% | 243 |
| Noncurrent loans to loans | 2.9540% | 441 |
| Net loans and leases to total assets | 88.8122% | 120 |
| Net loans and leases to deposits | 107.0759% | 370 |
| Net loans and leases to core deposits | 207.5016% | 40 |
| Total domestic deposits to total assets | 82.9433% | 3,474 |
| Equity capital to assets | 10.5843% | 3,275 |
| Core capital (leverage) ratio | 10.3605% | 3,124 |
| Tier 1 risk-based capital ratio | 18.2683% | 1,785 |
| Total risk-based capital ratio | 19.5228% | 1,747 |
| Memoranda: | ||
| Average total assets | $82,861,000 | 4,580 |
| Average earning assets | $79,773,000 | 4,511 |
| Average equity | $8,903,000 | 4,678 |
| Average total loans | $74,546,250 | 3,887 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6206% | 69 |
| Cost of funding earning assets | 1.4934% | 20 |
| Net interest margin | 5.1272% | 181 |
| Noninterest income to average assets | 0.0656% | 5,608 |
| Noninterest expense to average assets | 1.6123% | 5,485 |
| Loan and lease loss provision to assets | 0.0364% | 3,276 |
| Net operating income to assets | 3.2829% | 69 |
| Return on assets (ROA) | 3.2829% | 69 |
| Pretax return on assets | 3.3436% | 98 |
| Return on Equity (ROE) | 30.3991% | 36 |
| Retained earnings to average equity (ytd only) | 1.3940% | 4,696 |
| Net charge-offs to loans | -0.0081% | 4,466 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2957% | 5,732 |
| Assets per employee ($millions) | 13.8645% | 112 |
| Cash dividends to net income (ytd only)* | 95.4142% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,574 |
| Loan loss allowance to noncurrent loans | 44.6649% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 3.0534% | 296 |
| Noncurrent loans to loans | 2.4672% | 616 |
| Net loans and leases to total assets | 89.8686% | 81 |
| Net loans and leases to deposits | 110.7656% | 247 |
| Net loans and leases to core deposits | 201.8495% | 42 |
| Total domestic deposits to total assets | 81.1341% | 4,149 |
| Equity capital to assets | 10.7324% | 3,103 |
| Core capital (leverage) ratio | 10.6331% | 2,775 |
| Tier 1 risk-based capital ratio | 17.8896% | 1,891 |
| Total risk-based capital ratio | 19.1440% | 1,838 |
| Memoranda: | ||
| Average total assets | $82,367,330 | 4,623 |
| Average earning assets | $79,147,000 | 4,545 |
| Average equity | $8,895,000 | 4,698 |
| Average total loans | $74,152,000 | 3,918 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6312% | 73 |
| Cost of funding earning assets | 1.4809% | 20 |
| Net interest margin | 5.1503% | 168 |
| Noninterest income to average assets | 0.0634% | 5,692 |
| Noninterest expense to average assets | 1.7570% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.2065% | 83 |
| Return on assets (ROA) | 3.2065% | 82 |
| Pretax return on assets | 3.2797% | 110 |
| Return on Equity (ROE) | 29.5996% | 50 |
| Retained earnings to average equity (ytd only) | 1.1263% | 4,611 |
| Net charge-offs to loans | 0.0054% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 79 |
| Efficiency ratio | 34.8837% | 5,768 |
| Assets per employee ($millions) | 11.7456% | 182 |
| Cash dividends to net income (ytd only)* | 96.1948% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,741 |
| Loan loss allowance to noncurrent loans | 53.5526% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.7865% | 381 |
| Noncurrent loans to loans | 2.0441% | 865 |
| Net loans and leases to total assets | 89.4513% | 71 |
| Net loans and leases to deposits | 108.8393% | 238 |
| Net loans and leases to core deposits | 216.3118% | 39 |
| Total domestic deposits to total assets | 82.1866% | 4,118 |
| Equity capital to assets | 10.8138% | 2,844 |
| Core capital (leverage) ratio | 10.6061% | 2,783 |
| Tier 1 risk-based capital ratio | 18.6332% | 1,710 |
| Total risk-based capital ratio | 19.8885% | 1,666 |
| Memoranda: | ||
| Average total assets | $81,957,500 | 4,676 |
| Average earning assets | $79,140,500 | 4,591 |
| Average equity | $8,878,500 | 4,739 |
| Average total loans | $73,432,000 | 3,962 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5691% | 66 |
| Cost of funding earning assets | 1.5624% | 11 |
| Net interest margin | 5.0068% | 246 |
| Noninterest income to average assets | 0.1164% | 5,598 |
| Noninterest expense to average assets | 1.7069% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.1799% | 74 |
| Return on assets (ROA) | 3.1799% | 74 |
| Pretax return on assets | 3.2566% | 93 |
| Return on Equity (ROE) | 29.0598% | 44 |
| Retained earnings to average equity (ytd only) | 1.8777% | 4,464 |
| Net charge-offs to loans | 0.0236% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 154.7647% | 419 |
| Efficiency ratio | 34.3890% | 5,844 |
| Assets per employee ($millions) | 13.6160% | 111 |
| Cash dividends to net income (ytd only)* | 93.5383% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,581 |
| Loan loss allowance to noncurrent loans | 51.7460% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.8716% | 373 |
| Noncurrent loans to loans | 2.1723% | 787 |
| Net loans and leases to total assets | 87.7509% | 136 |
| Net loans and leases to deposits | 105.6036% | 362 |
| Net loans and leases to core deposits | 210.1084% | 36 |
| Total domestic deposits to total assets | 83.0946% | 3,740 |
| Equity capital to assets | 10.8524% | 2,761 |
| Core capital (leverage) ratio | 10.9178% | 2,425 |
| Tier 1 risk-based capital ratio | 19.0225% | 1,596 |
| Total risk-based capital ratio | 20.2776% | 1,554 |
| Memoranda: | ||
| Average total assets | $80,789,400 | 4,722 |
| Average earning assets | $78,214,200 | 4,625 |
| Average equity | $8,840,400 | 4,785 |
| Average total loans | $72,109,600 | 3,994 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5823% | 66 |
| Cost of funding earning assets | 1.6191% | 9 |
| Net interest margin | 4.9632% | 274 |
| Noninterest income to average assets | 0.1357% | 5,575 |
| Noninterest expense to average assets | 1.6881% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.2040% | 75 |
| Return on assets (ROA) | 3.2040% | 75 |
| Pretax return on assets | 3.2570% | 103 |
| Return on Equity (ROE) | 29.2197% | 45 |
| Retained earnings to average equity (ytd only) | 3.1242% | 4,045 |
| Net charge-offs to loans | 0.0333% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 109.3304% | 618 |
| Efficiency ratio | 34.1365% | 5,907 |
| Assets per employee ($millions) | 13.3053% | 120 |
| Cash dividends to net income (ytd only)* | 89.3080% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,728 |
| Loan loss allowance to noncurrent loans | 49.3035% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 3.0339% | 376 |
| Noncurrent loans to loans | 2.2733% | 811 |
| Net loans and leases to total assets | 89.9527% | 72 |
| Net loans and leases to deposits | 110.1835% | 253 |
| Net loans and leases to core deposits | 203.7770% | 43 |
| Total domestic deposits to total assets | 81.6389% | 4,063 |
| Equity capital to assets | 11.1572% | 2,845 |
| Core capital (leverage) ratio | 10.5459% | 2,940 |
| Tier 1 risk-based capital ratio | 19.0973% | 1,654 |
| Total risk-based capital ratio | 20.3538% | 1,603 |
| Memoranda: | ||
| Average total assets | $80,562,750 | 4,763 |
| Average earning assets | $78,065,750 | 4,660 |
| Average equity | $8,834,000 | 4,832 |
| Average total loans | $72,011,000 | 4,019 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5504% | 74 |
| Cost of funding earning assets | 1.6204% | 9 |
| Net interest margin | 4.9300% | 299 |
| Noninterest income to average assets | 0.0668% | 5,868 |
| Noninterest expense to average assets | 1.6632% | 5,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.1235% | 84 |
| Return on assets (ROA) | 3.1235% | 87 |
| Pretax return on assets | 3.1854% | 112 |
| Return on Equity (ROE) | 28.6503% | 53 |
| Retained earnings to average equity (ytd only) | 3.3145% | 3,793 |
| Net charge-offs to loans | -0.0306% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3032% | 5,986 |
| Assets per employee ($millions) | 13.9970% | 96 |
| Cash dividends to net income (ytd only)* | 88.4311% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,662 |
| Loan loss allowance to noncurrent loans | 46.3441% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 3.1209% | 382 |
| Noncurrent loans to loans | 2.4776% | 713 |
| Net loans and leases to total assets | 86.4185% | 223 |
| Net loans and leases to deposits | 104.5372% | 436 |
| Net loans and leases to core deposits | 203.7793% | 46 |
| Total domestic deposits to total assets | 82.6677% | 3,772 |
| Equity capital to assets | 10.5332% | 3,597 |
| Core capital (leverage) ratio | 10.8156% | 2,628 |
| Tier 1 risk-based capital ratio | 18.5156% | 1,796 |
| Total risk-based capital ratio | 19.7714% | 1,758 |
| Memoranda: | ||
| Average total assets | $80,806,330 | 4,796 |
| Average earning assets | $78,377,000 | 4,693 |
| Average equity | $8,809,670 | 4,872 |
| Average total loans | $71,806,330 | 4,047 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7489% | 64 |
| Cost of funding earning assets | 1.6495% | 8 |
| Net interest margin | 5.0994% | 204 |
| Noninterest income to average assets | 0.0757% | 5,891 |
| Noninterest expense to average assets | 1.6865% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.2770% | 78 |
| Return on assets (ROA) | 3.2770% | 77 |
| Pretax return on assets | 3.3376% | 104 |
| Return on Equity (ROE) | 29.5285% | 52 |
| Retained earnings to average equity (ytd only) | 8.3262% | 1,333 |
| Net charge-offs to loans | -0.0282% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5678% | 6,048 |
| Assets per employee ($millions) | 11.6107% | 174 |
| Cash dividends to net income (ytd only)* | 71.8028% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,623 |
| Loan loss allowance to noncurrent loans | 48.0482% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.5334% | 578 |
| Noncurrent loans to loans | 2.4500% | 779 |
| Net loans and leases to total assets | 86.4522% | 196 |
| Net loans and leases to deposits | 106.1839% | 337 |
| Net loans and leases to core deposits | 193.7783% | 44 |
| Total domestic deposits to total assets | 81.4174% | 4,374 |
| Equity capital to assets | 10.9296% | 3,022 |
| Core capital (leverage) ratio | 10.9414% | 2,455 |
| Tier 1 risk-based capital ratio | 19.3496% | 1,644 |
| Total risk-based capital ratio | 20.6064% | 1,608 |
| Memoranda: | ||
| Average total assets | $79,218,500 | 4,872 |
| Average earning assets | $76,871,500 | 4,774 |
| Average equity | $8,791,500 | 4,906 |
| Average total loans | $71,000,000 | 4,092 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4763% | 80 |
| Cost of funding earning assets | 1.7938% | 7 |
| Net interest margin | 4.6825% | 465 |
| Noninterest income to average assets | 0.1523% | 5,656 |
| Noninterest expense to average assets | 1.7996% | 5,734 |
| Loan and lease loss provision to assets | 0.0377% | 3,592 |
| Net operating income to assets | 2.6973% | 122 |
| Return on assets (ROA) | 2.6973% | 122 |
| Pretax return on assets | 2.8402% | 129 |
| Return on Equity (ROE) | 23.0360% | 134 |
| Retained earnings to average equity (ytd only) | 0.4260% | 5,346 |
| Net charge-offs to loans | -0.0346% | 5,451 |
| Credit loss provision to net charge-offs | -127.2727% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4726% | 6,084 |
| Assets per employee ($millions) | 11.0231% | 198 |
| Cash dividends to net income (ytd only)* | 98.1509% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,626 |
| Loan loss allowance to noncurrent loans | 37.0271% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 3.3242% | 368 |
| Noncurrent loans to loans | 3.1693% | 482 |
| Net loans and leases to total assets | 90.8051% | 44 |
| Net loans and leases to deposits | 113.1536% | 179 |
| Net loans and leases to core deposits | 195.2815% | 45 |
| Total domestic deposits to total assets | 80.2493% | 4,686 |
| Equity capital to assets | 11.2750% | 2,565 |
| Core capital (leverage) ratio | 11.1507% | 2,264 |
| Tier 1 risk-based capital ratio | 18.7569% | 1,759 |
| Total risk-based capital ratio | 20.0138% | 1,714 |
| Memoranda: | ||
| Average total assets | $74,185,000 | 4,987 |
| Average earning assets | $71,692,400 | 4,900 |
| Average equity | $8,686,400 | 4,914 |
| Average total loans | $63,539,800 | 4,275 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4258% | 82 |
| Cost of funding earning assets | 1.8236% | 8 |
| Net interest margin | 4.6022% | 539 |
| Noninterest income to average assets | 0.1797% | 5,575 |
| Noninterest expense to average assets | 1.8355% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.7087% | 121 |
| Return on assets (ROA) | 2.7087% | 123 |
| Pretax return on assets | 2.7886% | 146 |
| Return on Equity (ROE) | 22.9101% | 168 |
| Retained earnings to average equity (ytd only) | 0.2611% | 5,529 |
| Net charge-offs to loans | -0.0346% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6938% | 6,137 |
| Assets per employee ($millions) | 12.9565% | 121 |
| Cash dividends to net income (ytd only)* | 98.8609% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,627 |
| Loan loss allowance to noncurrent loans | 35.5615% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 3.2956% | 415 |
| Noncurrent loans to loans | 3.3866% | 478 |
| Net loans and leases to total assets | 84.2100% | 371 |
| Net loans and leases to deposits | 103.6298% | 464 |
| Net loans and leases to core deposits | 178.5317% | 51 |
| Total domestic deposits to total assets | 81.2604% | 4,408 |
| Equity capital to assets | 11.1656% | 2,828 |
| Core capital (leverage) ratio | 10.8180% | 2,691 |
| Tier 1 risk-based capital ratio | 20.0773% | 1,523 |
| Total risk-based capital ratio | 21.3356% | 1,492 |
| Memoranda: | ||
| Average total assets | $73,440,750 | 5,064 |
| Average earning assets | $70,921,000 | 4,973 |
| Average equity | $8,683,000 | 4,980 |
| Average total loans | $61,700,000 | 4,374 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5174% | 79 |
| Cost of funding earning assets | 1.8312% | 7 |
| Net interest margin | 4.6862% | 457 |
| Noninterest income to average assets | 0.2416% | 5,229 |
| Noninterest expense to average assets | 1.8803% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.7914% | 111 |
| Return on assets (ROA) | 2.7914% | 112 |
| Pretax return on assets | 2.8747% | 149 |
| Return on Equity (ROE) | 23.1460% | 156 |
| Retained earnings to average equity (ytd only) | 0.3915% | 5,390 |
| Net charge-offs to loans | -0.0366% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5444% | 6,211 |
| Assets per employee ($millions) | 12.9570% | 117 |
| Cash dividends to net income (ytd only)* | 98.3085% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 3,381 |
| Loan loss allowance to noncurrent loans | 46.2121% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.6163% | 701 |
| Noncurrent loans to loans | 2.7557% | 768 |
| Net loans and leases to total assets | 79.0795% | 924 |
| Net loans and leases to deposits | 97.5439% | 832 |
| Net loans and leases to core deposits | 170.1813% | 64 |
| Total domestic deposits to total assets | 81.0707% | 4,593 |
| Equity capital to assets | 11.1651% | 2,704 |
| Core capital (leverage) ratio | 10.9810% | 2,446 |
| Tier 1 risk-based capital ratio | 21.5543% | 1,274 |
| Total risk-based capital ratio | 22.8132% | 1,255 |
| Memoranda: | ||
| Average total assets | $72,008,000 | 5,157 |
| Average earning assets | $69,352,670 | 5,054 |
| Average equity | $8,684,000 | 5,015 |
| Average total loans | $60,179,330 | 4,457 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8269% | 66 |
| Cost of funding earning assets | 1.8229% | 7 |
| Net interest margin | 5.0040% | 249 |
| Noninterest income to average assets | 0.3298% | 4,553 |
| Noninterest expense to average assets | 2.0480% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.9910% | 88 |
| Return on assets (ROA) | 2.9910% | 92 |
| Pretax return on assets | 3.0778% | 127 |
| Return on Equity (ROE) | 23.8084% | 129 |
| Retained earnings to average equity (ytd only) | 2.1184% | 4,618 |
| Net charge-offs to loans | -0.0338% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9549% | 6,269 |
| Assets per employee ($millions) | 12.0708% | 150 |
| Cash dividends to net income (ytd only)* | 91.1025% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 3,349 |
| Loan loss allowance to noncurrent loans | 41.7728% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 3.0763% | 600 |
| Noncurrent loans to loans | 3.1340% | 665 |
| Net loans and leases to total assets | 81.9151% | 470 |
| Net loans and leases to deposits | 103.6696% | 385 |
| Net loans and leases to core deposits | 178.2073% | 58 |
| Total domestic deposits to total assets | 79.0155% | 5,262 |
| Equity capital to assets | 12.0249% | 2,008 |
| Core capital (leverage) ratio | 12.5504% | 1,342 |
| Tier 1 risk-based capital ratio | 20.9855% | 1,428 |
| Total risk-based capital ratio | 22.2434% | 1,403 |
| Memoranda: | ||
| Average total assets | $69,141,000 | 5,277 |
| Average earning assets | $66,267,000 | 5,193 |
| Average equity | $8,686,000 | 5,063 |
| Average total loans | $59,133,500 | 4,517 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2864% | 111 |
| Cost of funding earning assets | 1.8742% | 12 |
| Net interest margin | 4.4122% | 868 |
| Noninterest income to average assets | 0.1380% | 6,005 |
| Noninterest expense to average assets | 1.8725% | 5,969 |
| Loan and lease loss provision to assets | -0.0750% | 6,098 |
| Net operating income to assets | 2.4576% | 157 |
| Return on assets (ROA) | 2.4576% | 160 |
| Pretax return on assets | 2.5687% | 166 |
| Return on Equity (ROE) | 19.1043% | 306 |
| Retained earnings to average equity (ytd only) | 1.2946% | 5,193 |
| Net charge-offs to loans | 0.0973% | 3,114 |
| Credit loss provision to net charge-offs | -94.3396% | 5,508 |
| Earnings coverage of net charge-offs (x) | 31.3585% | 1,293 |
| Efficiency ratio | 42.8866% | 6,350 |
| Assets per employee ($millions) | 10.9762% | 193 |
| Cash dividends to net income (ytd only)* | 93.2234% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 3,203 |
| Loan loss allowance to noncurrent loans | 51.9947% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 3.1325% | 625 |
| Noncurrent loans to loans | 2.5863% | 965 |
| Net loans and leases to total assets | 87.1145% | 151 |
| Net loans and leases to deposits | 109.4344% | 254 |
| Net loans and leases to core deposits | 182.2111% | 55 |
| Total domestic deposits to total assets | 79.6043% | 5,122 |
| Equity capital to assets | 13.1543% | 1,288 |
| Core capital (leverage) ratio | 12.6259% | 1,299 |
| Tier 1 risk-based capital ratio | 21.6857% | 1,274 |
| Total risk-based capital ratio | 22.9448% | 1,249 |
| Memoranda: | ||
| Average total assets | $66,649,400 | 5,380 |
| Average earning assets | $63,868,000 | 5,283 |
| Average equity | $8,574,000 | 5,067 |
| Average total loans | $54,456,400 | 4,674 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1919% | 126 |
| Cost of funding earning assets | 1.9126% | 9 |
| Net interest margin | 4.2793% | 1,093 |
| Noninterest income to average assets | 0.1396% | 6,078 |
| Noninterest expense to average assets | 1.8370% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2838% | 197 |
| Return on assets (ROA) | 2.2838% | 201 |
| Pretax return on assets | 2.3994% | 253 |
| Return on Equity (ROE) | 17.8517% | 459 |
| Retained earnings to average equity (ytd only) | -0.1559% | 5,824 |
| Net charge-offs to loans | 0.1494% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.0495% | 1,756 |
| Efficiency ratio | 43.3616% | 6,380 |
| Assets per employee ($millions) | 13.4810% | 101 |
| Cash dividends to net income (ytd only)* | 100.8732% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 2,728 |
| Loan loss allowance to noncurrent loans | 47.9651% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.4196% | 635 |
| Noncurrent loans to loans | 3.1211% | 830 |
| Net loans and leases to total assets | 80.5326% | 656 |
| Net loans and leases to deposits | 100.8453% | 570 |
| Net loans and leases to core deposits | 169.9371% | 64 |
| Total domestic deposits to total assets | 79.8576% | 5,133 |
| Equity capital to assets | 12.6727% | 1,597 |
| Core capital (leverage) ratio | 12.4437% | 1,435 |
| Tier 1 risk-based capital ratio | 21.9397% | 1,266 |
| Total risk-based capital ratio | 23.2008% | 1,249 |
| Memoranda: | ||
| Average total assets | $66,847,500 | 5,431 |
| Average earning assets | $63,996,500 | 5,337 |
| Average equity | $8,551,750 | 5,118 |
| Average total loans | $53,532,250 | 4,752 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1450% | 128 |
| Cost of funding earning assets | 1.9185% | 10 |
| Net interest margin | 4.2264% | 1,188 |
| Noninterest income to average assets | 0.1620% | 5,982 |
| Noninterest expense to average assets | 1.7521% | 6,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3192% | 186 |
| Return on assets (ROA) | 2.3192% | 191 |
| Pretax return on assets | 2.4482% | 230 |
| Return on Equity (ROE) | 18.0713% | 453 |
| Retained earnings to average equity (ytd only) | 0.7715% | 5,436 |
| Net charge-offs to loans | 0.1509% | 2,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,585 |
| Efficiency ratio | 41.7143% | 6,488 |
| Assets per employee ($millions) | 13.3100% | 100 |
| Cash dividends to net income (ytd only)* | 95.7309% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,705 |
| Loan loss allowance to noncurrent loans | 45.0667% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 3.6334% | 628 |
| Noncurrent loans to loans | 3.4233% | 789 |
| Net loans and leases to total assets | 81.0323% | 572 |
| Net loans and leases to deposits | 102.2895% | 432 |
| Net loans and leases to core deposits | 164.3615% | 67 |
| Total domestic deposits to total assets | 79.2186% | 5,408 |
| Equity capital to assets | 12.9001% | 1,424 |
| Core capital (leverage) ratio | 12.6224% | 1,330 |
| Tier 1 risk-based capital ratio | 22.9699% | 1,113 |
| Total risk-based capital ratio | 24.2328% | 1,097 |
| Memoranda: | ||
| Average total assets | $66,661,670 | 5,485 |
| Average earning assets | $63,694,330 | 5,395 |
| Average equity | $8,555,000 | 5,147 |
| Average total loans | $53,007,000 | 4,792 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1076% | 125 |
| Cost of funding earning assets | 1.9079% | 10 |
| Net interest margin | 4.1998% | 1,221 |
| Noninterest income to average assets | 0.1799% | 5,889 |
| Noninterest expense to average assets | 1.8706% | 6,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1464% | 264 |
| Return on assets (ROA) | 2.1464% | 275 |
| Pretax return on assets | 2.3082% | 304 |
| Return on Equity (ROE) | 16.7681% | 558 |
| Retained earnings to average equity (ytd only) | -1.1241% | 5,748 |
| Net charge-offs to loans | -0.0077% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7633% | 6,469 |
| Assets per employee ($millions) | 13.4346% | 102 |
| Cash dividends to net income (ytd only)* | 106.7039% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 2,397 |
| Loan loss allowance to noncurrent loans | 51.6618% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 3.2870% | 813 |
| Noncurrent loans to loans | 3.2649% | 938 |
| Net loans and leases to total assets | 76.8791% | 896 |
| Net loans and leases to deposits | 97.7716% | 558 |
| Net loans and leases to core deposits | 165.6042% | 60 |
| Total domestic deposits to total assets | 78.6313% | 5,735 |
| Equity capital to assets | 12.6956% | 1,460 |
| Core capital (leverage) ratio | 12.7272% | 1,284 |
| Tier 1 risk-based capital ratio | 23.0805% | 1,131 |
| Total risk-based capital ratio | 24.3444% | 1,120 |
| Memoranda: | ||
| Average total assets | $66,717,500 | 5,542 |
| Average earning assets | $63,527,000 | 5,452 |
| Average equity | $8,540,000 | 5,168 |
| Average total loans | $52,124,500 | 4,862 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2244% | 120 |
| Cost of funding earning assets | 1.9798% | 11 |
| Net interest margin | 4.2446% | 1,237 |
| Noninterest income to average assets | 0.2742% | 5,393 |
| Noninterest expense to average assets | 1.8506% | 6,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.3639% | 196 |
| Return on assets (ROA) | 2.3639% | 201 |
| Pretax return on assets | 2.4598% | 211 |
| Return on Equity (ROE) | 18.1389% | 397 |
| Retained earnings to average equity (ytd only) | 0.0234% | 5,844 |
| Net charge-offs to loans | 0.0232% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 134.5833% | 346 |
| Efficiency ratio | 42.9329% | 6,639 |
| Assets per employee ($millions) | 13.2524% | 109 |
| Cash dividends to net income (ytd only)* | 99.8711% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 2,368 |
| Loan loss allowance to noncurrent loans | 44.2058% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 3.7865% | 728 |
| Noncurrent loans to loans | 3.8708% | 768 |
| Net loans and leases to total assets | 76.7197% | 985 |
| Net loans and leases to deposits | 98.0387% | 585 |
| Net loans and leases to core deposits | 169.4590% | 59 |
| Total domestic deposits to total assets | 78.2545% | 5,789 |
| Equity capital to assets | 12.9063% | 1,318 |
| Core capital (leverage) ratio | 12.5822% | 1,315 |
| Tier 1 risk-based capital ratio | 21.9209% | 1,273 |
| Total risk-based capital ratio | 23.1846% | 1,248 |
| Memoranda: | ||
| Average total assets | $65,655,200 | 5,605 |
| Average earning assets | $62,431,800 | 5,525 |
| Average equity | $8,556,200 | 5,196 |
| Average total loans | $51,676,000 | 4,902 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2634% | 125 |
| Cost of funding earning assets | 1.9886% | 10 |
| Net interest margin | 4.2747% | 1,152 |
| Noninterest income to average assets | 0.3420% | 4,956 |
| Noninterest expense to average assets | 1.9255% | 6,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.3815% | 199 |
| Return on assets (ROA) | 2.3815% | 209 |
| Pretax return on assets | 2.4812% | 252 |
| Return on Equity (ROE) | 18.2297% | 420 |
| Retained earnings to average equity (ytd only) | 0.4519% | 5,787 |
| Net charge-offs to loans | 0.0077% | 5,009 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 406.3225% | 142 |
| Efficiency ratio | 43.6952% | 6,664 |
| Assets per employee ($millions) | 13.3644% | 106 |
| Cash dividends to net income (ytd only)* | 97.5217% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 2,558 |
| Loan loss allowance to noncurrent loans | 42.5107% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 3.8281% | 847 |
| Noncurrent loans to loans | 4.0484% | 853 |
| Net loans and leases to total assets | 76.4015% | 954 |
| Net loans and leases to deposits | 98.5769% | 532 |
| Net loans and leases to core deposits | 169.2626% | 56 |
| Total domestic deposits to total assets | 77.5044% | 5,974 |
| Equity capital to assets | 12.8386% | 1,401 |
| Core capital (leverage) ratio | 13.0119% | 1,199 |
| Tier 1 risk-based capital ratio | 22.0076% | 1,318 |
| Total risk-based capital ratio | 23.2697% | 1,301 |
| Memoranda: | ||
| Average total assets | $65,503,500 | 5,667 |
| Average earning assets | $62,286,750 | 5,584 |
| Average equity | $8,557,250 | 5,254 |
| Average total loans | $51,664,750 | 4,944 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1762% | 135 |
| Cost of funding earning assets | 2.0285% | 8 |
| Net interest margin | 4.1477% | 1,415 |
| Noninterest income to average assets | 0.4242% | 4,347 |
| Noninterest expense to average assets | 1.9150% | 6,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.3362% | 208 |
| Return on assets (ROA) | 2.3362% | 219 |
| Pretax return on assets | 2.4437% | 290 |
| Return on Equity (ROE) | 17.7778% | 477 |
| Retained earnings to average equity (ytd only) | 0.5146% | 5,694 |
| Net charge-offs to loans | -0.0233% | 6,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9351% | 6,709 |
| Assets per employee ($millions) | 13.0320% | 112 |
| Cash dividends to net income (ytd only)* | 97.1053% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7544% | 2,578 |
| Loan loss allowance to noncurrent loans | 41.9026% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 4.3247% | 773 |
| Noncurrent loans to loans | 4.1868% | 898 |
| Net loans and leases to total assets | 77.6059% | 794 |
| Net loans and leases to deposits | 101.2575% | 364 |
| Net loans and leases to core deposits | 173.4751% | 56 |
| Total domestic deposits to total assets | 76.6421% | 6,178 |
| Equity capital to assets | 13.1553% | 1,280 |
| Core capital (leverage) ratio | 13.0013% | 1,159 |
| Tier 1 risk-based capital ratio | 22.2933% | 1,238 |
| Total risk-based capital ratio | 23.5573% | 1,215 |
| Memoranda: | ||
| Average total assets | $65,064,000 | 5,726 |
| Average earning assets | $61,720,670 | 5,645 |
| Average equity | $8,550,000 | 5,289 |
| Average total loans | $51,570,670 | 4,963 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2412% | 125 |
| Cost of funding earning assets | 2.0609% | 8 |
| Net interest margin | 4.1803% | 1,241 |
| Noninterest income to average assets | 0.3691% | 4,715 |
| Noninterest expense to average assets | 1.9934% | 6,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2025% | 244 |
| Return on assets (ROA) | 2.2025% | 266 |
| Pretax return on assets | 2.3317% | 339 |
| Return on Equity (ROE) | 16.7701% | 529 |
| Retained earnings to average equity (ytd only) | -1.0306% | 5,958 |
| Net charge-offs to loans | -0.0155% | 5,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0882% | 6,690 |
| Assets per employee ($millions) | 13.0686% | 117 |
| Cash dividends to net income (ytd only)* | 106.1453% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 2,866 |
| Loan loss allowance to noncurrent loans | 43.4300% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 4.1887% | 918 |
| Noncurrent loans to loans | 3.9917% | 1,133 |
| Net loans and leases to total assets | 77.9854% | 611 |
| Net loans and leases to deposits | 104.4286% | 222 |
| Net loans and leases to core deposits | 187.9190% | 48 |
| Total domestic deposits to total assets | 74.6782% | 6,491 |
| Equity capital to assets | 13.0511% | 1,403 |
| Core capital (leverage) ratio | 13.0878% | 1,083 |
| Tier 1 risk-based capital ratio | 22.6857% | 1,207 |
| Total risk-based capital ratio | 23.9492% | 1,186 |
| Memoranda: | ||
| Average total assets | $65,016,000 | 5,777 |
| Average earning assets | $61,526,500 | 5,693 |
| Average equity | $8,539,000 | 5,349 |
| Average total loans | $51,620,500 | 5,000 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3469% | 154 |
| Cost of funding earning assets | 2.1286% | 19 |
| Net interest margin | 4.2182% | 1,608 |
| Noninterest income to average assets | 0.1164% | 6,450 |
| Noninterest expense to average assets | 2.0072% | 6,311 |
| Loan and lease loss provision to assets | 0.1149% | 4,194 |
| Net operating income to assets | 1.9245% | 413 |
| Return on assets (ROA) | 1.9245% | 454 |
| Pretax return on assets | 1.9750% | 631 |
| Return on Equity (ROE) | 15.3167% | 759 |
| Retained earnings to average equity (ytd only) | 8.5486% | 953 |
| Net charge-offs to loans | 0.3128% | 3,076 |
| Credit loss provision to net charge-offs | 46.5839% | 4,769 |
| Earnings coverage of net charge-offs (x) | 8.4720% | 2,408 |
| Efficiency ratio | 48.9903% | 6,650 |
| Assets per employee ($millions) | 12.9378% | 123 |
| Cash dividends to net income (ytd only)* | 44.1879% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 2,771 |
| Loan loss allowance to noncurrent loans | 41.8182% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 4.9838% | 780 |
| Noncurrent loans to loans | 4.1745% | 1,092 |
| Net loans and leases to total assets | 78.0457% | 672 |
| Net loans and leases to deposits | 105.4008% | 235 |
| Net loans and leases to core deposits | 189.1678% | 54 |
| Total domestic deposits to total assets | 74.0466% | 6,525 |
| Equity capital to assets | 13.2171% | 1,346 |
| Core capital (leverage) ratio | 13.0266% | 1,110 |
| Tier 1 risk-based capital ratio | 23.9993% | 970 |
| Total risk-based capital ratio | 25.2653% | 951 |
| Memoranda: | ||
| Average total assets | $65,264,400 | 5,774 |
| Average earning assets | $61,589,600 | 5,684 |
| Average equity | $8,200,200 | 5,442 |
| Average total loans | $51,470,200 | 5,045 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1825% | 221 |
| Cost of funding earning assets | 2.1285% | 22 |
| Net interest margin | 4.0540% | 2,276 |
| Noninterest income to average assets | 0.0612% | 6,764 |
| Noninterest expense to average assets | 1.9915% | 6,362 |
| Loan and lease loss provision to assets | 0.1529% | 3,618 |
| Net operating income to assets | 1.6919% | 691 |
| Return on assets (ROA) | 1.6919% | 770 |
| Pretax return on assets | 1.7408% | 1,181 |
| Return on Equity (ROE) | 13.6408% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.7243% | 1,741 |
| Net charge-offs to loans | 0.2460% | 3,250 |
| Credit loss provision to net charge-offs | 78.9474% | 3,654 |
| Earnings coverage of net charge-offs (x) | 9.7793% | 2,270 |
| Efficiency ratio | 51.2592% | 6,507 |
| Assets per employee ($millions) | 13.1616% | 122 |
| Cash dividends to net income (ytd only)* | 43.3736% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 2,471 |
| Loan loss allowance to noncurrent loans | 32.3154% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 6.3564% | 609 |
| Noncurrent loans to loans | 5.8824% | 705 |
| Net loans and leases to total assets | 75.5182% | 1,043 |
| Net loans and leases to deposits | 101.8924% | 357 |
| Net loans and leases to core deposits | 181.5548% | 57 |
| Total domestic deposits to total assets | 74.1156% | 6,594 |
| Equity capital to assets | 12.6413% | 1,801 |
| Core capital (leverage) ratio | 12.4454% | 1,431 |
| Tier 1 risk-based capital ratio | 23.0917% | 1,161 |
| Total risk-based capital ratio | 24.3602% | 1,135 |
| Memoranda: | ||
| Average total assets | $65,408,250 | 5,832 |
| Average earning assets | $61,699,500 | 5,746 |
| Average equity | $8,112,750 | 5,523 |
| Average total loans | $51,491,750 | 5,101 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2347% | 208 |
| Cost of funding earning assets | 2.1291% | 24 |
| Net interest margin | 4.1056% | 2,070 |
| Noninterest income to average assets | -0.0061% | 7,012 |
| Noninterest expense to average assets | 1.9456% | 6,525 |
| Loan and lease loss provision to assets | 0.2298% | 2,773 |
| Net operating income to assets | 1.6484% | 759 |
| Return on assets (ROA) | 1.6484% | 846 |
| Pretax return on assets | 1.6944% | 1,271 |
| Return on Equity (ROE) | 13.3764% | 1,259 |
| Retained earnings to average equity (ytd only) | 10.6415% | 819 |
| Net charge-offs to loans | 0.0348% | 4,896 |
| Credit loss provision to net charge-offs | 833.3333% | 385 |
| Earnings coverage of net charge-offs (x) | 69.7778% | 569 |
| Efficiency ratio | 50.2771% | 6,625 |
| Assets per employee ($millions) | 13.1848% | 112 |
| Cash dividends to net income (ytd only)* | 20.4461% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0641% | 2,067 |
| Loan loss allowance to noncurrent loans | 29.1227% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 6.7183% | 601 |
| Noncurrent loans to loans | 7.0875% | 545 |
| Net loans and leases to total assets | 75.5006% | 1,032 |
| Net loans and leases to deposits | 102.0629% | 340 |
| Net loans and leases to core deposits | 169.7636% | 71 |
| Total domestic deposits to total assets | 73.9746% | 6,678 |
| Equity capital to assets | 12.5554% | 1,781 |
| Core capital (leverage) ratio | 12.6627% | 1,287 |
| Tier 1 risk-based capital ratio | 21.1937% | 1,443 |
| Total risk-based capital ratio | 22.4612% | 1,414 |
| Memoranda: | ||
| Average total assets | $65,275,000 | 5,875 |
| Average earning assets | $61,623,330 | 5,783 |
| Average equity | $8,044,000 | 5,560 |
| Average total loans | $51,769,000 | 5,111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1442% | 248 |
| Cost of funding earning assets | 2.1482% | 26 |
| Net interest margin | 3.9960% | 2,523 |
| Noninterest income to average assets | -0.2648% | 7,216 |
| Noninterest expense to average assets | 1.9461% | 6,559 |
| Loan and lease loss provision to assets | 0.5543% | 1,057 |
| Net operating income to assets | 0.9669% | 2,607 |
| Return on assets (ROA) | 0.9669% | 2,809 |
| Pretax return on assets | 1.0038% | 3,662 |
| Return on Equity (ROE) | 7.9218% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.9218% | 2,013 |
| Net charge-offs to loans | 0.0842% | 3,661 |
| Credit loss provision to net charge-offs | 818.1818% | 425 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,106 |
| Efficiency ratio | 55.5360% | 6,173 |
| Assets per employee ($millions) | 12.9134% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 2,217 |
| Loan loss allowance to noncurrent loans | 32.9098% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 6.2803% | 727 |
| Noncurrent loans to loans | 6.2297% | 786 |
| Net loans and leases to total assets | 78.5819% | 536 |
| Net loans and leases to deposits | 107.2957% | 179 |
| Net loans and leases to core deposits | 185.8535% | 60 |
| Total domestic deposits to total assets | 73.2387% | 6,807 |
| Equity capital to assets | 12.3995% | 1,789 |
| Core capital (leverage) ratio | 12.2306% | 1,472 |
| Tier 1 risk-based capital ratio | 19.7953% | 1,760 |
| Total risk-based capital ratio | 21.0612% | 1,729 |
| Memoranda: | ||
| Average total assets | $64,950,500 | 5,921 |
| Average earning assets | $61,261,500 | 5,833 |
| Average equity | $7,927,500 | 5,623 |
| Average total loans | $52,242,500 | 5,135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2739% | 267 |
| Cost of funding earning assets | 2.2952% | 44 |
| Net interest margin | 3.9787% | 2,992 |
| Noninterest income to average assets | 0.1779% | 6,218 |
| Noninterest expense to average assets | 1.8537% | 6,892 |
| Loan and lease loss provision to assets | 0.5657% | 1,839 |
| Net operating income to assets | 1.4599% | 909 |
| Return on assets (ROA) | 1.4599% | 982 |
| Pretax return on assets | 1.5466% | 1,351 |
| Return on Equity (ROE) | 10.6296% | 1,830 |
| Retained earnings to average equity (ytd only) | -11.5154% | 6,748 |
| Net charge-offs to loans | 0.1202% | 5,180 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 22.4032% | 1,059 |
| Efficiency ratio | 46.7408% | 7,009 |
| Assets per employee ($millions) | 13.0668% | 118 |
| Cash dividends to net income (ytd only)* | 208.3333% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 2,667 |
| Loan loss allowance to noncurrent loans | 32.6145% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 6.1591% | 787 |
| Noncurrent loans to loans | 5.7208% | 902 |
| Net loans and leases to total assets | 79.1349% | 588 |
| Net loans and leases to deposits | 108.0569% | 205 |
| Net loans and leases to core deposits | 193.5390% | 66 |
| Total domestic deposits to total assets | 73.2345% | 6,787 |
| Equity capital to assets | 12.0137% | 2,117 |
| Core capital (leverage) ratio | 11.8816% | 1,670 |
| Tier 1 risk-based capital ratio | 18.6588% | 2,000 |
| Total risk-based capital ratio | 19.9211% | 1,964 |
| Memoranda: | ||
| Average total assets | $65,759,000 | 5,872 |
| Average earning assets | $62,608,800 | 5,786 |
| Average equity | $9,031,400 | 5,266 |
| Average total loans | $51,569,800 | 5,209 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1664% | 346 |
| Cost of funding earning assets | 2.3291% | 44 |
| Net interest margin | 3.8373% | 3,680 |
| Noninterest income to average assets | -0.2146% | 7,276 |
| Noninterest expense to average assets | 1.3279% | 7,304 |
| Loan and lease loss provision to assets | 0.2247% | 3,764 |
| Net operating income to assets | 1.7976% | 521 |
| Return on assets (ROA) | 1.7976% | 566 |
| Pretax return on assets | 1.8947% | 788 |
| Return on Equity (ROE) | 12.6940% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.6940% | 410 |
| Net charge-offs to loans | 0.1690% | 4,442 |
| Credit loss provision to net charge-offs | 170.7692% | 1,766 |
| Earnings coverage of net charge-offs (x) | 16.1086% | 1,416 |
| Efficiency ratio | 38.5203% | 7,280 |
| Assets per employee ($millions) | 13.2496% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 5,800 |
| Loan loss allowance to noncurrent loans | 18.5580% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 6.0998% | 870 |
| Noncurrent loans to loans | 6.0501% | 922 |
| Net loans and leases to total assets | 78.6952% | 641 |
| Net loans and leases to deposits | 112.8637% | 147 |
| Net loans and leases to core deposits | 338.8405% | 40 |
| Total domestic deposits to total assets | 69.7259% | 7,054 |
| Equity capital to assets | 14.7582% | 914 |
| Core capital (leverage) ratio | 14.7582% | 714 |
| Tier 1 risk-based capital ratio | 23.5766% | 1,061 |
| Total risk-based capital ratio | 24.8282% | 1,044 |
| Memoranda: | ||
| Average total assets | $65,865,250 | 5,913 |
| Average earning assets | $62,855,250 | 5,813 |
| Average equity | $9,327,000 | 5,227 |
| Average total loans | $51,291,000 | 5,260 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1722% | 344 |
| Cost of funding earning assets | 2.3553% | 51 |
| Net interest margin | 3.8169% | 3,703 |
| Noninterest income to average assets | -0.3225% | 7,387 |
| Noninterest expense to average assets | 1.1896% | 7,426 |
| Loan and lease loss provision to assets | 0.2373% | 3,543 |
| Net operating income to assets | 1.7920% | 515 |
| Return on assets (ROA) | 1.7920% | 549 |
| Pretax return on assets | 1.8893% | 725 |
| Return on Equity (ROE) | 12.8364% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.8364% | 406 |
| Net charge-offs to loans | 0.1692% | 4,162 |
| Credit loss provision to net charge-offs | 181.3953% | 1,661 |
| Earnings coverage of net charge-offs (x) | 16.2558% | 1,351 |
| Efficiency ratio | 35.8716% | 7,391 |
| Assets per employee ($millions) | 13.1484% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,890 |
| Loan loss allowance to noncurrent loans | 16.6095% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 6.6746% | 788 |
| Noncurrent loans to loans | 6.7249% | 797 |
| Net loans and leases to total assets | 78.2377% | 746 |
| Net loans and leases to deposits | 113.0663% | 144 |
| Net loans and leases to core deposits | 441.0478% | 37 |
| Total domestic deposits to total assets | 69.1963% | 7,146 |
| Equity capital to assets | 14.4170% | 966 |
| Core capital (leverage) ratio | 14.4170% | 778 |
| Tier 1 risk-based capital ratio | 22.6405% | 1,173 |
| Total risk-based capital ratio | 23.8922% | 1,154 |
| Memoranda: | ||
| Average total assets | $65,737,670 | 5,967 |
| Average earning assets | $62,668,330 | 5,868 |
| Average equity | $9,177,000 | 5,276 |
| Average total loans | $50,812,670 | 5,323 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2812% | 293 |
| Cost of funding earning assets | 2.3922% | 50 |
| Net interest margin | 3.8890% | 3,197 |
| Noninterest income to average assets | -0.4016% | 7,482 |
| Noninterest expense to average assets | 1.2413% | 7,478 |
| Loan and lease loss provision to assets | 0.2738% | 2,962 |
| Net operating income to assets | 1.6855% | 585 |
| Return on assets (ROA) | 1.6855% | 620 |
| Pretax return on assets | 1.7829% | 844 |
| Return on Equity (ROE) | 12.2750% | 1,381 |
| Retained earnings to average equity (ytd only) | 12.2750% | 694 |
| Net charge-offs to loans | 0.2948% | 2,874 |
| Credit loss provision to net charge-offs | 121.6216% | 2,248 |
| Earnings coverage of net charge-offs (x) | 9.1351% | 1,759 |
| Efficiency ratio | 37.6384% | 7,423 |
| Assets per employee ($millions) | 13.2600% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 6,028 |
| Loan loss allowance to noncurrent loans | 15.7431% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 6.5566% | 845 |
| Noncurrent loans to loans | 7.0143% | 789 |
| Net loans and leases to total assets | 74.8341% | 1,215 |
| Net loans and leases to deposits | 108.5216% | 201 |
| Net loans and leases to core deposits | 212.5659% | 66 |
| Total domestic deposits to total assets | 68.9578% | 7,230 |
| Equity capital to assets | 13.8250% | 1,060 |
| Core capital (leverage) ratio | 13.8250% | 890 |
| Tier 1 risk-based capital ratio | 22.2071% | 1,193 |
| Total risk-based capital ratio | 23.4573% | 1,168 |
| Memoranda: | ||
| Average total assets | $65,735,500 | 6,002 |
| Average earning assets | $62,535,500 | 5,915 |
| Average equity | $9,026,500 | 5,320 |
| Average total loans | $50,211,000 | 5,383 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4445% | 344 |
| Cost of funding earning assets | 2.6564% | 65 |
| Net interest margin | 3.7881% | 3,996 |
| Noninterest income to average assets | -0.3344% | 7,520 |
| Noninterest expense to average assets | 1.2262% | 7,541 |
| Loan and lease loss provision to assets | 0.3103% | 4,319 |
| Net operating income to assets | 1.6061% | 613 |
| Return on assets (ROA) | 1.1704% | 1,561 |
| Pretax return on assets | 1.2608% | 2,038 |
| Return on Equity (ROE) | 9.2612% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.2612% | 649 |
| Net charge-offs to loans | 0.0283% | 6,518 |
| Credit loss provision to net charge-offs | 1,373.3333% | 167 |
| Earnings coverage of net charge-offs (x) | 90.2667% | 273 |
| Efficiency ratio | 37.5461% | 7,532 |
| Assets per employee ($millions) | 13.0342% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,998 |
| Loan loss allowance to noncurrent loans | 15.0538% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 8.8951% | 510 |
| Noncurrent loans to loans | 7.2175% | 764 |
| Net loans and leases to total assets | 76.2717% | 1,228 |
| Net loans and leases to deposits | 112.4135% | 194 |
| Net loans and leases to core deposits | 181.4323% | 105 |
| Total domestic deposits to total assets | 67.8492% | 7,329 |
| Equity capital to assets | 13.6364% | 1,145 |
| Core capital (leverage) ratio | 13.6364% | 944 |
| Tier 1 risk-based capital ratio | 20.9970% | 1,316 |
| Total risk-based capital ratio | 22.2398% | 1,297 |
| Memoranda: | ||
| Average total assets | $66,385,200 | 5,984 |
| Average earning assets | $63,093,000 | 5,890 |
| Average equity | $8,389,800 | 5,590 |
| Average total loans | $53,015,800 | 5,359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5516% | 309 |
| Cost of funding earning assets | 2.6782% | 70 |
| Net interest margin | 3.8734% | 3,646 |
| Noninterest income to average assets | -0.3859% | 7,653 |
| Noninterest expense to average assets | 1.1916% | 7,664 |
| Loan and lease loss provision to assets | 0.2419% | 4,667 |
| Net operating income to assets | 1.7767% | 540 |
| Return on assets (ROA) | 1.7634% | 601 |
| Pretax return on assets | 1.8533% | 844 |
| Return on Equity (ROE) | 14.2275% | 987 |
| Retained earnings to average equity (ytd only) | 14.2275% | 262 |
| Net charge-offs to loans | -0.1440% | 7,594 |
| Credit loss provision to net charge-offs | -208.6207% | 6,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0993% | 7,633 |
| Assets per employee ($millions) | 13.4838% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 6,193 |
| Loan loss allowance to noncurrent loans | 30.7427% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 5.9790% | 998 |
| Noncurrent loans to loans | 3.3996% | 2,339 |
| Net loans and leases to total assets | 74.9937% | 1,590 |
| Net loans and leases to deposits | 110.0159% | 253 |
| Net loans and leases to core deposits | 166.2666% | 132 |
| Total domestic deposits to total assets | 68.1662% | 7,370 |
| Equity capital to assets | 12.8851% | 1,636 |
| Core capital (leverage) ratio | 12.8851% | 1,271 |
| Tier 1 risk-based capital ratio | 20.2320% | 1,504 |
| Total risk-based capital ratio | 21.4757% | 1,472 |
| Memoranda: | ||
| Average total assets | $66,688,750 | 6,041 |
| Average earning assets | $63,474,000 | 5,935 |
| Average equity | $8,265,500 | 5,704 |
| Average total loans | $53,706,500 | 5,405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6727% | 258 |
| Cost of funding earning assets | 2.6962% | 94 |
| Net interest margin | 3.9765% | 3,132 |
| Noninterest income to average assets | -0.2318% | 7,691 |
| Noninterest expense to average assets | 1.2552% | 7,719 |
| Loan and lease loss provision to assets | 0.3642% | 3,524 |
| Net operating income to assets | 1.8542% | 444 |
| Return on assets (ROA) | 1.8542% | 485 |
| Pretax return on assets | 1.9445% | 681 |
| Return on Equity (ROE) | 15.1631% | 825 |
| Retained earnings to average equity (ytd only) | 15.1631% | 232 |
| Net charge-offs to loans | -0.0037% | 7,091 |
| Credit loss provision to net charge-offs | -12,100.0000% | 7,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2196% | 7,706 |
| Assets per employee ($millions) | 13.4506% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 6,733 |
| Loan loss allowance to noncurrent loans | 23.3480% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 6.8190% | 788 |
| Noncurrent loans to loans | 3.8848% | 1,972 |
| Net loans and leases to total assets | 77.4880% | 1,198 |
| Net loans and leases to deposits | 114.2654% | 203 |
| Net loans and leases to core deposits | 171.7917% | 134 |
| Total domestic deposits to total assets | 67.8141% | 7,435 |
| Equity capital to assets | 12.5110% | 1,796 |
| Core capital (leverage) ratio | 12.5110% | 1,405 |
| Tier 1 risk-based capital ratio | 19.0573% | 1,708 |
| Total risk-based capital ratio | 20.1377% | 1,715 |
| Memoranda: | ||
| Average total assets | $66,445,330 | 6,089 |
| Average earning assets | $63,422,670 | 5,974 |
| Average equity | $8,125,000 | 5,755 |
| Average total loans | $54,577,330 | 5,394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7221% | 253 |
| Cost of funding earning assets | 2.7316% | 108 |
| Net interest margin | 3.9904% | 2,913 |
| Noninterest income to average assets | -0.5088% | 7,863 |
| Noninterest expense to average assets | 1.1326% | 7,849 |
| Loan and lease loss provision to assets | 0.0182% | 6,456 |
| Net operating income to assets | 2.0896% | 296 |
| Return on assets (ROA) | 2.0896% | 325 |
| Pretax return on assets | 2.1804% | 439 |
| Return on Equity (ROE) | 17.2921% | 579 |
| Retained earnings to average equity (ytd only) | 17.2921% | 273 |
| Net charge-offs to loans | -0.1152% | 7,547 |
| Credit loss provision to net charge-offs | -18.7500% | 5,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0000% | 7,816 |
| Assets per employee ($millions) | 16.5898% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 7,385 |
| Loan loss allowance to noncurrent loans | 9.6342% | 7,342 |
| Noncurrent assets plus other real estate owned to assets | 7.2017% | 736 |
| Noncurrent loans to loans | 7.0187% | 845 |
| Net loans and leases to total assets | 82.7846% | 494 |
| Net loans and leases to deposits | 124.0964% | 105 |
| Net loans and leases to core deposits | 188.9294% | 113 |
| Total domestic deposits to total assets | 66.7099% | 7,589 |
| Equity capital to assets | 12.2847% | 1,885 |
| Core capital (leverage) ratio | 12.2847% | 1,499 |
| Tier 1 risk-based capital ratio | 20.2625% | 1,472 |
| Total risk-based capital ratio | 21.1921% | 1,504 |
| Memoranda: | ||
| Average total assets | $66,041,500 | 6,170 |
| Average earning assets | $63,552,000 | 6,040 |
| Average equity | $7,980,500 | 5,854 |
| Average total loans | $55,571,000 | 5,435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8200% | 366 |
| Cost of funding earning assets | 3.2630% | 101 |
| Net interest margin | 3.5570% | 4,710 |
| Noninterest income to average assets | -0.1173% | 7,813 |
| Noninterest expense to average assets | 1.5682% | 7,783 |
| Loan and lease loss provision to assets | 1.3852% | 1,654 |
| Net operating income to assets | 0.2470% | 4,730 |
| Return on assets (ROA) | -1.2086% | 6,712 |
| Pretax return on assets | -1.1022% | 6,477 |
| Return on Equity (ROE) | -9.8439% | 6,614 |
| Retained earnings to average equity (ytd only) | -17.2682% | 7,001 |
| Net charge-offs to loans | 1.1997% | 2,054 |
| Credit loss provision to net charge-offs | 133.6350% | 3,730 |
| Earnings coverage of net charge-offs (x) | 1.6772% | 4,480 |
| Efficiency ratio | 47.4232% | 7,650 |
| Assets per employee ($millions) | 16.4310% | 100 |
| Cash dividends to net income (ytd only)* | -75.4204% | 7,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6358% | 7,502 |
| Loan loss allowance to noncurrent loans | 11.5372% | 7,339 |
| Noncurrent assets plus other real estate owned to assets | 5.9187% | 955 |
| Noncurrent loans to loans | 5.5111% | 1,170 |
| Net loans and leases to total assets | 84.4106% | 399 |
| Net loans and leases to deposits | 127.6060% | 109 |
| Net loans and leases to core deposits | 200.3539% | 100 |
| Total domestic deposits to total assets | 66.1494% | 7,633 |
| Equity capital to assets | 11.8815% | 2,091 |
| Core capital (leverage) ratio | 11.8815% | 1,716 |
| Tier 1 risk-based capital ratio | 23.2986% | 1,009 |
| Total risk-based capital ratio | 24.3578% | 1,014 |
| Memoranda: | ||
| Average total assets | $63,960,600 | 6,200 |
| Average earning assets | $61,569,000 | 6,074 |
| Average equity | $7,852,600 | 5,975 |
| Average total loans | $55,264,200 | 5,447 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4152% | 165 |
| Cost of funding earning assets | 3.3163% | 128 |
| Net interest margin | 4.0990% | 2,400 |
| Noninterest income to average assets | -0.5143% | 8,044 |
| Noninterest expense to average assets | 1.4735% | 7,897 |
| Loan and lease loss provision to assets | 1.3119% | 1,473 |
| Net operating income to assets | 0.5520% | 3,786 |
| Return on assets (ROA) | -1.4378% | 7,076 |
| Pretax return on assets | -1.3434% | 6,883 |
| Return on Equity (ROE) | -11.6145% | 6,998 |
| Retained earnings to average equity (ytd only) | -21.4996% | 7,394 |
| Net charge-offs to loans | 1.1006% | 1,814 |
| Credit loss provision to net charge-offs | 137.3626% | 3,603 |
| Earnings coverage of net charge-offs (x) | 2.0506% | 4,281 |
| Efficiency ratio | 42.9358% | 7,864 |
| Assets per employee ($millions) | 17.0185% | 92 |
| Cash dividends to net income (ytd only)* | -85.1091% | 7,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 7,637 |
| Loan loss allowance to noncurrent loans | 16.0895% | 7,281 |
| Noncurrent assets plus other real estate owned to assets | 3.9251% | 1,641 |
| Noncurrent loans to loans | 3.4504% | 2,168 |
| Net loans and leases to total assets | 79.4694% | 1,292 |
| Net loans and leases to deposits | 120.7060% | 189 |
| Net loans and leases to core deposits | 183.6944% | 163 |
| Total domestic deposits to total assets | 65.8372% | 7,694 |
| Equity capital to assets | 11.7152% | 2,422 |
| Core capital (leverage) ratio | 11.7152% | 1,963 |
| Tier 1 risk-based capital ratio | 24.6721% | 928 |
| Total risk-based capital ratio | 25.6064% | 947 |
| Memoranda: | ||
| Average total assets | $63,519,750 | 6,265 |
| Average earning assets | $61,151,750 | 6,139 |
| Average equity | $7,863,500 | 6,028 |
| Average total loans | $55,122,000 | 5,505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6359% | 131 |
| Cost of funding earning assets | 3.3541% | 165 |
| Net interest margin | 4.2817% | 1,696 |
| Noninterest income to average assets | -0.4613% | 8,116 |
| Noninterest expense to average assets | 1.5774% | 7,923 |
| Loan and lease loss provision to assets | 1.9032% | 861 |
| Net operating income to assets | 0.0710% | 5,643 |
| Return on assets (ROA) | -3.0644% | 7,689 |
| Pretax return on assets | -2.9677% | 7,566 |
| Return on Equity (ROE) | -24.2770% | 7,616 |
| Retained earnings to average equity (ytd only) | -39.1755% | 7,824 |
| Net charge-offs to loans | 1.4522% | 1,301 |
| Credit loss provision to net charge-offs | 146.7662% | 3,152 |
| Earnings coverage of net charge-offs (x) | 1.5970% | 4,345 |
| Efficiency ratio | 43.2361% | 7,946 |
| Assets per employee ($millions) | 15.7438% | 98 |
| Cash dividends to net income (ytd only)* | -61.3684% | 8,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5887% | 7,652 |
| Loan loss allowance to noncurrent loans | 14.9743% | 7,363 |
| Noncurrent assets plus other real estate owned to assets | 4.7733% | 1,150 |
| Noncurrent loans to loans | 3.9316% | 1,732 |
| Net loans and leases to total assets | 85.8039% | 394 |
| Net loans and leases to deposits | 129.8076% | 123 |
| Net loans and leases to core deposits | 191.4370% | 154 |
| Total domestic deposits to total assets | 66.1008% | 7,733 |
| Equity capital to assets | 12.1778% | 2,109 |
| Core capital (leverage) ratio | 12.1778% | 1,760 |
| Tier 1 risk-based capital ratio | 24.2805% | 1,002 |
| Total risk-based capital ratio | 25.2937% | 1,008 |
| Memoranda: | ||
| Average total assets | $62,001,670 | 6,372 |
| Average earning assets | $59,508,670 | 6,251 |
| Average equity | $7,826,330 | 6,077 |
| Average total loans | $55,362,670 | 5,540 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0051% | 91 |
| Cost of funding earning assets | 3.3230% | 251 |
| Net interest margin | 4.6821% | 796 |
| Noninterest income to average assets | -0.9884% | 8,212 |
| Noninterest expense to average assets | 1.6191% | 7,897 |
| Loan and lease loss provision to assets | 3.7064% | 270 |
| Net operating income to assets | -1.9312% | 7,641 |
| Return on assets (ROA) | -8.2516% | 8,141 |
| Pretax return on assets | -8.1541% | 8,119 |
| Return on Equity (ROE) | -64.2125% | 8,098 |
| Retained earnings to average equity (ytd only) | -79.7976% | 8,111 |
| Net charge-offs to loans | 2.8783% | 450 |
| Credit loss provision to net charge-offs | 141.7910% | 2,886 |
| Earnings coverage of net charge-offs (x) | 0.7164% | 4,441 |
| Efficiency ratio | 46.3687% | 7,830 |
| Assets per employee ($millions) | 15.2493% | 111 |
| Cash dividends to net income (ytd only)* | -24.2711% | 8,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5446% | 7,763 |
| Loan loss allowance to noncurrent loans | 21.5672% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 3.7494% | 1,411 |
| Noncurrent loans to loans | 2.5250% | 2,612 |
| Net loans and leases to total assets | 89.8241% | 149 |
| Net loans and leases to deposits | 135.6188% | 110 |
| Net loans and leases to core deposits | 196.2393% | 154 |
| Total domestic deposits to total assets | 66.2328% | 7,719 |
| Equity capital to assets | 12.4924% | 1,975 |
| Core capital (leverage) ratio | 12.4924% | 1,690 |
| Tier 1 risk-based capital ratio | 24.3427% | 1,040 |
| Total risk-based capital ratio | 25.3011% | 1,049 |
| Memoranda: | ||
| Average total assets | $61,515,000 | 6,421 |
| Average earning assets | $58,862,500 | 6,307 |
| Average equity | $7,905,000 | 6,094 |
| Average total loans | $55,866,500 | 5,545 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0049% | 189 |
| Cost of funding earning assets | 3.5309% | 477 |
| Net interest margin | 4.4741% | 1,483 |
| Noninterest income to average assets | -0.0219% | 8,165 |
| Noninterest expense to average assets | 1.2828% | 8,124 |
| Loan and lease loss provision to assets | 0.1513% | 5,432 |
| Net operating income to assets | 2.7018% | 89 |
| Return on assets (ROA) | 2.7018% | 88 |
| Pretax return on assets | 2.8026% | 119 |
| Return on Equity (ROE) | 18.7318% | 472 |
| Retained earnings to average equity (ytd only) | 5.8981% | 1,574 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2778% | 8,234 |
| Assets per employee ($millions) | 15.5083% | 105 |
| Cash dividends to net income (ytd only)* | 68.5128% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2330% | 8,138 |
| Loan loss allowance to noncurrent loans | 7.8245% | 7,527 |
| Noncurrent assets plus other real estate owned to assets | 3.6223% | 1,214 |
| Noncurrent loans to loans | 2.9783% | 1,802 |
| Net loans and leases to total assets | 91.0983% | 127 |
| Net loans and leases to deposits | 145.2688% | 90 |
| Net loans and leases to core deposits | 211.2482% | 136 |
| Total domestic deposits to total assets | 62.7102% | 7,849 |
| Equity capital to assets | 13.2027% | 1,710 |
| Core capital (leverage) ratio | 14.9615% | 1,048 |
| Tier 1 risk-based capital ratio | 28.6176% | 727 |
| Total risk-based capital ratio | 29.0164% | 759 |
| Memoranda: | ||
| Average total assets | $59,479,800 | 6,403 |
| Average earning assets | $56,615,200 | 6,316 |
| Average equity | $8,579,000 | 5,880 |
| Average total loans | $52,301,800 | 5,605 |