Home > Home Savings Bank > Performance and Condition Ratios
Home Savings 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 | 4.9851% | 2,097 |
| Cost of funding earning assets | 1.1195% | 3,013 |
| Net interest margin | 3.8656% | 1,451 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.5736% | 2,088 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8559% | 2,685 |
| Return on assets (ROA) | 0.8605% | 2,647 |
| Pretax return on assets | 1.0971% | 2,416 |
| Return on Equity (ROE) | 5.4300% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.4267% | 2,431 |
| Net charge-offs to loans | 0.0336% | 1,628 |
| Credit loss provision to net charge-offs | 520.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 49.8400% | 1,297 |
| Efficiency ratio | 67.8700% | 2,128 |
| Assets per employee ($millions) | 7.3902% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,662 |
| Loan loss allowance to noncurrent loans | 4,995.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,464 |
| Noncurrent loans to loans | 0.0265% | 3,553 |
| Net loans and leases to total assets | 71.9300% | 1,590 |
| Net loans and leases to deposits | 92.9958% | 1,013 |
| Net loans and leases to core deposits | 144.8441% | 235 |
| Total domestic deposits to total assets | 77.3400% | 3,804 |
| Equity capital to assets | 16.3073% | 435 |
| Core capital (leverage) ratio | 16.0974% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2183% | 366 |
| Memoranda: | ||
| Average total assets | $102,267,800 | 3,811 |
| Average earning assets | $94,681,800 | 3,792 |
| Average equity | $16,216,000 | 3,162 |
| Average total loans | $74,355,600 | 3,487 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 2,089 |
| Cost of funding earning assets | 0.9897% | 3,067 |
| Net interest margin | 3.8982% | 1,405 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.4909% | 2,260 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.9449% | 2,531 |
| Return on assets (ROA) | 0.9480% | 2,506 |
| Pretax return on assets | 1.2147% | 2,261 |
| Return on Equity (ROE) | 6.0200% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.0219% | 2,629 |
| Net charge-offs to loans | 0.0090% | 2,076 |
| Credit loss provision to net charge-offs | 1,860.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 203.8000% | 591 |
| Efficiency ratio | 65.1505% | 2,372 |
| Assets per employee ($millions) | 7.3199% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 1,826 |
| Loan loss allowance to noncurrent loans | 530.8108% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 2,382 |
| Noncurrent loans to loans | 0.2467% | 2,357 |
| Net loans and leases to total assets | 72.2200% | 1,551 |
| Net loans and leases to deposits | 92.7987% | 984 |
| Net loans and leases to core deposits | 143.7001% | 182 |
| Total domestic deposits to total assets | 77.8200% | 3,837 |
| Equity capital to assets | 15.8364% | 457 |
| Core capital (leverage) ratio | 16.0859% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5131% | 403 |
| Memoranda: | ||
| Average total assets | $101,969,000 | 3,828 |
| Average earning assets | $94,434,250 | 3,813 |
| Average equity | $16,052,000 | 3,166 |
| Average total loans | $74,090,250 | 3,499 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 2,061 |
| Cost of funding earning assets | 0.8692% | 3,030 |
| Net interest margin | 3.9007% | 1,428 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.4519% | 2,345 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.9949% | 2,434 |
| Return on assets (ROA) | 0.9980% | 2,420 |
| Pretax return on assets | 1.2849% | 2,125 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.3528% | 2,494 |
| Net charge-offs to loans | 0.0163% | 1,598 |
| Credit loss provision to net charge-offs | 916.6667% | 436 |
| Earnings coverage of net charge-offs (x) | 117.8333% | 853 |
| Efficiency ratio | 63.8363% | 2,505 |
| Assets per employee ($millions) | 7.3306% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,029 |
| Loan loss allowance to noncurrent loans | 361.3027% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 1,929 |
| Noncurrent loans to loans | 0.3533% | 1,871 |
| Net loans and leases to total assets | 71.0700% | 1,627 |
| Net loans and leases to deposits | 91.1104% | 1,099 |
| Net loans and leases to core deposits | 143.2306% | 189 |
| Total domestic deposits to total assets | 78.0000% | 3,847 |
| Equity capital to assets | 15.8017% | 464 |
| Core capital (leverage) ratio | 16.1400% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1851% | 383 |
| Memoranda: | ||
| Average total assets | $101,799,000 | 3,846 |
| Average earning assets | $94,343,000 | 3,831 |
| Average equity | $15,993,000 | 3,192 |
| Average total loans | $73,790,667 | 3,509 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 1,862 |
| Cost of funding earning assets | 0.7576% | 2,877 |
| Net interest margin | 3.9372% | 1,392 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.4580% | 2,353 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0424% | 2,407 |
| Return on assets (ROA) | 1.0455% | 2,365 |
| Pretax return on assets | 1.3533% | 2,008 |
| Return on Equity (ROE) | 6.6700% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.6746% | 2,596 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.1206% | 2,551 |
| Assets per employee ($millions) | 7.1475% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,333 |
| Loan loss allowance to noncurrent loans | 349.6183% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 1,833 |
| Noncurrent loans to loans | 0.3547% | 1,875 |
| Net loans and leases to total assets | 72.9100% | 1,330 |
| Net loans and leases to deposits | 93.8242% | 797 |
| Net loans and leases to core deposits | 145.0473% | 148 |
| Total domestic deposits to total assets | 77.7000% | 4,029 |
| Equity capital to assets | 16.0845% | 405 |
| Core capital (leverage) ratio | 15.7134% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2007% | 389 |
| Memoranda: | ||
| Average total assets | $101,384,500 | 3,897 |
| Average earning assets | $93,975,500 | 3,880 |
| Average equity | $15,881,000 | 3,224 |
| Average total loans | $73,748,000 | 3,546 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 1,529 |
| Cost of funding earning assets | 0.5076% | 1,334 |
| Net interest margin | 3.5680% | 1,735 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.5591% | 1,942 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.6012% | 3,879 |
| Return on assets (ROA) | 0.6038% | 3,828 |
| Pretax return on assets | 0.7372% | 3,774 |
| Return on Equity (ROE) | 3.6400% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.6361% | 3,527 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.7273% | 1,359 |
| Assets per employee ($millions) | 7.3360% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,322 |
| Loan loss allowance to noncurrent loans | 2,793.7500% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,498 |
| Noncurrent loans to loans | 0.0435% | 3,451 |
| Net loans and leases to total assets | 70.8200% | 1,545 |
| Net loans and leases to deposits | 92.3031% | 898 |
| Net loans and leases to core deposits | 143.5085% | 120 |
| Total domestic deposits to total assets | 76.7200% | 4,202 |
| Equity capital to assets | 15.2545% | 449 |
| Core capital (leverage) ratio | 15.3121% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4802% | 391 |
| Memoranda: | ||
| Average total assets | $94,408,400 | 3,972 |
| Average earning assets | $87,275,400 | 3,958 |
| Average equity | $15,676,200 | 3,311 |
| Average total loans | $65,292,800 | 3,655 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 1,422 |
| Cost of funding earning assets | 0.4645% | 913 |
| Net interest margin | 3.4608% | 1,776 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.5977% | 1,718 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.5335% | 4,003 |
| Return on assets (ROA) | 0.5372% | 3,937 |
| Pretax return on assets | 0.6426% | 3,912 |
| Return on Equity (ROE) | 3.1600% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.1635% | 3,732 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.7793% | 1,098 |
| Assets per employee ($millions) | 6.5710% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 2,762 |
| Loan loss allowance to noncurrent loans | 2,394.1176% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 3,565 |
| Noncurrent loans to loans | 0.0483% | 3,530 |
| Net loans and leases to total assets | 70.6000% | 1,430 |
| Net loans and leases to deposits | 92.5311% | 737 |
| Net loans and leases to core deposits | 138.2058% | 107 |
| Total domestic deposits to total assets | 76.3000% | 4,355 |
| Equity capital to assets | 15.4670% | 413 |
| Core capital (leverage) ratio | 15.6561% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9216% | 383 |
| Memoranda: | ||
| Average total assets | $92,334,500 | 4,018 |
| Average earning assets | $85,258,750 | 4,006 |
| Average equity | $15,678,500 | 3,350 |
| Average total loans | $63,209,250 | 3,702 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 1,365 |
| Cost of funding earning assets | 0.4105% | 856 |
| Net interest margin | 3.3631% | 1,707 |
| Noninterest income to average assets | 0.2437% | 3,710 |
| Noninterest expense to average assets | 2.6037% | 1,628 |
| Loan and lease loss provision to assets | 0.1839% | 479 |
| Net operating income to assets | 0.4834% | 3,941 |
| Return on assets (ROA) | 0.4853% | 3,886 |
| Pretax return on assets | 0.5628% | 3,890 |
| Return on Equity (ROE) | 2.7681% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.7681% | 3,526 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7631% | 1,104 |
| Assets per employee ($millions) | 6.4275% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,010 |
| Loan loss allowance to noncurrent loans | 2,182.8571% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,618 |
| Noncurrent loans to loans | 0.0520% | 3,558 |
| Net loans and leases to total assets | 68.9938% | 1,396 |
| Net loans and leases to deposits | 91.3258% | 644 |
| Net loans and leases to core deposits | 135.7614% | 91 |
| Total domestic deposits to total assets | 75.5469% | 4,479 |
| Equity capital to assets | 16.1368% | 323 |
| Core capital (leverage) ratio | 16.3771% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6102% | 337 |
| Memoranda: | ||
| Average total assets | $90,257,667 | 4,079 |
| Average earning assets | $83,315,333 | 4,084 |
| Average equity | $15,823,000 | 3,422 |
| Average total loans | $60,811,667 | 3,775 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 1,272 |
| Cost of funding earning assets | 0.3978% | 884 |
| Net interest margin | 3.3016% | 1,561 |
| Noninterest income to average assets | 0.2615% | 3,566 |
| Noninterest expense to average assets | 2.6612% | 1,447 |
| Loan and lease loss provision to assets | 0.1744% | 440 |
| Net operating income to assets | 0.4313% | 3,892 |
| Return on assets (ROA) | 0.4313% | 3,855 |
| Pretax return on assets | 0.4726% | 3,915 |
| Return on Equity (ROE) | 2.3566% | 4,202 |
| Retained earnings to average equity (ytd only) | 2.3566% | 3,445 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4438% | 1,118 |
| Assets per employee ($millions) | 5.9618% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,853 |
| Loan loss allowance to noncurrent loans | 2,178.7879% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,668 |
| Noncurrent loans to loans | 0.0551% | 3,589 |
| Net loans and leases to total assets | 66.1254% | 1,396 |
| Net loans and leases to deposits | 89.8092% | 519 |
| Net loans and leases to core deposits | 123.3037% | 131 |
| Total domestic deposits to total assets | 73.6288% | 4,585 |
| Equity capital to assets | 17.5003% | 251 |
| Core capital (leverage) ratio | 17.2290% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7944% | 245 |
| Memoranda: | ||
| Average total assets | $87,180,000 | 4,129 |
| Average earning assets | $80,446,500 | 4,133 |
| Average equity | $15,955,500 | 3,479 |
| Average total loans | $57,576,000 | 3,837 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 1,954 |
| Cost of funding earning assets | 0.4204% | 1,390 |
| Net interest margin | 3.3432% | 2,195 |
| Noninterest income to average assets | 0.2522% | 3,859 |
| Noninterest expense to average assets | 2.5763% | 1,933 |
| Loan and lease loss provision to assets | 0.0652% | 1,756 |
| Net operating income to assets | 0.5588% | 3,962 |
| Return on assets (ROA) | 0.5647% | 3,995 |
| Pretax return on assets | 0.7099% | 3,911 |
| Return on Equity (ROE) | 2.8423% | 4,391 |
| Retained earnings to average equity (ytd only) | 2.8423% | 3,711 |
| Net charge-offs to loans | -0.0040% | 3,500 |
| Credit loss provision to net charge-offs | -2,650.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0419% | 1,024 |
| Assets per employee ($millions) | 6.0666% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,728 |
| Loan loss allowance to noncurrent loans | 2,002.9412% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,724 |
| Noncurrent loans to loans | 0.0615% | 3,642 |
| Net loans and leases to total assets | 64.3072% | 1,666 |
| Net loans and leases to deposits | 90.2971% | 555 |
| Net loans and leases to core deposits | 111.3744% | 262 |
| Total domestic deposits to total assets | 71.2173% | 4,660 |
| Equity capital to assets | 19.1457% | 205 |
| Core capital (leverage) ratio | 18.7888% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0592% | 216 |
| Memoranda: | ||
| Average total assets | $81,279,200 | 4,199 |
| Average earning assets | $75,167,000 | 4,194 |
| Average equity | $16,148,800 | 3,528 |
| Average total loans | $50,376,600 | 3,987 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7967% | 2,021 |
| Cost of funding earning assets | 0.4382% | 1,432 |
| Net interest margin | 3.3585% | 2,272 |
| Noninterest income to average assets | 0.2406% | 3,959 |
| Noninterest expense to average assets | 2.5798% | 1,898 |
| Loan and lease loss provision to assets | 0.0436% | 2,122 |
| Net operating income to assets | 0.5740% | 4,056 |
| Return on assets (ROA) | 0.5807% | 4,086 |
| Pretax return on assets | 0.7283% | 4,018 |
| Return on Equity (ROE) | 2.8947% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.8947% | 3,942 |
| Net charge-offs to loans | -0.0081% | 3,592 |
| Credit loss provision to net charge-offs | -866.6667% | 3,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1712% | 943 |
| Assets per employee ($millions) | 5.8337% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,543 |
| Loan loss allowance to noncurrent loans | 1,637.5000% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,827 |
| Noncurrent loans to loans | 0.0787% | 3,699 |
| Net loans and leases to total assets | 61.4066% | 2,090 |
| Net loans and leases to deposits | 87.5391% | 737 |
| Net loans and leases to core deposits | 109.3899% | 336 |
| Total domestic deposits to total assets | 70.1477% | 4,727 |
| Equity capital to assets | 19.8820% | 196 |
| Core capital (leverage) ratio | 18.7794% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2656% | 190 |
| Memoranda: | ||
| Average total assets | $80,365,750 | 4,265 |
| Average earning assets | $74,237,500 | 4,256 |
| Average equity | $16,120,750 | 3,575 |
| Average total loans | $49,146,000 | 4,075 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 1,773 |
| Cost of funding earning assets | 0.4579% | 1,466 |
| Net interest margin | 3.4602% | 1,973 |
| Noninterest income to average assets | 0.2502% | 3,901 |
| Noninterest expense to average assets | 2.5647% | 1,946 |
| Loan and lease loss provision to assets | 0.0400% | 2,203 |
| Net operating income to assets | 0.6691% | 3,832 |
| Return on assets (ROA) | 0.6831% | 3,868 |
| Pretax return on assets | 0.8582% | 3,751 |
| Return on Equity (ROE) | 3.3952% | 4,419 |
| Retained earnings to average equity (ytd only) | 3.3952% | 3,720 |
| Net charge-offs to loans | -0.0123% | 3,759 |
| Credit loss provision to net charge-offs | -533.3333% | 3,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4372% | 1,210 |
| Assets per employee ($millions) | 5.6969% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 2,335 |
| Loan loss allowance to noncurrent loans | 1,573.1707% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,905 |
| Noncurrent loans to loans | 0.0839% | 3,769 |
| Net loans and leases to total assets | 60.4361% | 2,376 |
| Net loans and leases to deposits | 86.9115% | 854 |
| Net loans and leases to core deposits | 109.5251% | 373 |
| Total domestic deposits to total assets | 69.5375% | 4,766 |
| Equity capital to assets | 20.3104% | 176 |
| Core capital (leverage) ratio | 18.7405% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3611% | 184 |
| Memoranda: | ||
| Average total assets | $79,930,333 | 4,292 |
| Average earning assets | $73,811,667 | 4,288 |
| Average equity | $16,081,667 | 3,587 |
| Average total loans | $48,592,333 | 4,110 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 1,909 |
| Cost of funding earning assets | 0.4816% | 1,507 |
| Net interest margin | 3.3877% | 2,144 |
| Noninterest income to average assets | 0.2649% | 3,809 |
| Noninterest expense to average assets | 2.5795% | 1,934 |
| Loan and lease loss provision to assets | 0.0350% | 2,306 |
| Net operating income to assets | 0.6308% | 3,862 |
| Return on assets (ROA) | 0.6349% | 3,918 |
| Pretax return on assets | 0.7848% | 3,838 |
| Return on Equity (ROE) | 3.1704% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.1704% | 3,730 |
| Net charge-offs to loans | -0.0165% | 3,904 |
| Credit loss provision to net charge-offs | -350.0000% | 3,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9941% | 1,140 |
| Assets per employee ($millions) | 5.8014% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,370 |
| Loan loss allowance to noncurrent loans | 3,023.8095% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,180 |
| Noncurrent loans to loans | 0.0435% | 4,074 |
| Net loans and leases to total assets | 58.6789% | 2,721 |
| Net loans and leases to deposits | 83.4746% | 1,198 |
| Net loans and leases to core deposits | 106.2157% | 504 |
| Total domestic deposits to total assets | 70.2955% | 4,762 |
| Equity capital to assets | 19.7907% | 192 |
| Core capital (leverage) ratio | 18.9732% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0292% | 192 |
| Memoranda: | ||
| Average total assets | $80,017,000 | 4,308 |
| Average earning assets | $73,915,500 | 4,302 |
| Average equity | $16,023,000 | 3,601 |
| Average total loans | $48,465,000 | 4,136 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 2,444 |
| Cost of funding earning assets | 0.6230% | 2,163 |
| Net interest margin | 3.4695% | 2,561 |
| Noninterest income to average assets | 0.2461% | 4,016 |
| Noninterest expense to average assets | 2.6382% | 2,425 |
| Loan and lease loss provision to assets | 0.0756% | 3,435 |
| Net operating income to assets | 0.5912% | 3,784 |
| Return on assets (ROA) | 0.5922% | 3,888 |
| Pretax return on assets | 0.7320% | 3,813 |
| Return on Equity (ROE) | 2.9476% | 4,399 |
| Retained earnings to average equity (ytd only) | 2.9476% | 3,392 |
| Net charge-offs to loans | 0.0171% | 2,748 |
| Credit loss provision to net charge-offs | 737.5000% | 969 |
| Earnings coverage of net charge-offs (x) | 78.6250% | 905 |
| Efficiency ratio | 76.5910% | 1,163 |
| Assets per employee ($millions) | 5.6296% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,476 |
| Loan loss allowance to noncurrent loans | 2,845.4545% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,226 |
| Noncurrent loans to loans | 0.0452% | 4,117 |
| Net loans and leases to total assets | 60.9156% | 2,744 |
| Net loans and leases to deposits | 91.3154% | 831 |
| Net loans and leases to core deposits | 108.6445% | 552 |
| Total domestic deposits to total assets | 66.7090% | 4,837 |
| Equity capital to assets | 20.2654% | 187 |
| Core capital (leverage) ratio | 18.5264% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4156% | 185 |
| Memoranda: | ||
| Average total assets | $78,009,000 | 4,267 |
| Average earning assets | $71,912,600 | 4,270 |
| Average equity | $15,674,000 | 3,588 |
| Average total loans | $46,679,800 | 4,170 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 2,455 |
| Cost of funding earning assets | 0.6549% | 2,299 |
| Net interest margin | 3.5202% | 2,523 |
| Noninterest income to average assets | 0.2450% | 4,012 |
| Noninterest expense to average assets | 2.6629% | 2,358 |
| Loan and lease loss provision to assets | 0.0990% | 3,087 |
| Net operating income to assets | 0.6035% | 3,754 |
| Return on assets (ROA) | 0.6049% | 3,850 |
| Pretax return on assets | 0.7266% | 3,841 |
| Return on Equity (ROE) | 3.0171% | 4,386 |
| Retained earnings to average equity (ytd only) | 3.0171% | 3,519 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3636% | 1,175 |
| Assets per employee ($millions) | 5.6281% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 1,849 |
| Loan loss allowance to noncurrent loans | 2,532.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,302 |
| Noncurrent loans to loans | 0.0543% | 4,156 |
| Net loans and leases to total assets | 57.6008% | 3,458 |
| Net loans and leases to deposits | 86.1541% | 1,681 |
| Net loans and leases to core deposits | 103.2392% | 970 |
| Total domestic deposits to total assets | 66.8579% | 4,832 |
| Equity capital to assets | 20.1551% | 206 |
| Core capital (leverage) ratio | 18.6889% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3536% | 199 |
| Memoranda: | ||
| Average total assets | $77,807,750 | 4,278 |
| Average earning assets | $71,660,000 | 4,289 |
| Average equity | $15,599,500 | 3,597 |
| Average total loans | $46,190,750 | 4,201 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 2,495 |
| Cost of funding earning assets | 0.6960% | 2,408 |
| Net interest margin | 3.5952% | 2,503 |
| Noninterest income to average assets | 0.2452% | 4,004 |
| Noninterest expense to average assets | 2.6562% | 2,498 |
| Loan and lease loss provision to assets | 0.1007% | 3,013 |
| Net operating income to assets | 0.6402% | 3,609 |
| Return on assets (ROA) | 0.6402% | 3,696 |
| Pretax return on assets | 0.7951% | 3,602 |
| Return on Equity (ROE) | 3.1988% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.1988% | 3,307 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7820% | 1,392 |
| Assets per employee ($millions) | 5.5522% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,777 |
| Loan loss allowance to noncurrent loans | 2,361.5385% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,383 |
| Noncurrent loans to loans | 0.0572% | 4,245 |
| Net loans and leases to total assets | 57.6835% | 3,542 |
| Net loans and leases to deposits | 86.7541% | 1,689 |
| Net loans and leases to core deposits | 104.3375% | 979 |
| Total domestic deposits to total assets | 66.4908% | 4,878 |
| Equity capital to assets | 20.3638% | 198 |
| Core capital (leverage) ratio | 18.6291% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3613% | 180 |
| Memoranda: | ||
| Average total assets | $77,479,000 | 4,290 |
| Average earning assets | $71,261,333 | 4,286 |
| Average equity | $15,505,667 | 3,607 |
| Average total loans | $46,248,000 | 4,211 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 2,936 |
| Cost of funding earning assets | 0.7488% | 2,674 |
| Net interest margin | 3.5467% | 2,826 |
| Noninterest income to average assets | 0.2741% | 3,892 |
| Noninterest expense to average assets | 2.6631% | 2,802 |
| Loan and lease loss provision to assets | 0.0983% | 2,453 |
| Net operating income to assets | 0.6342% | 3,499 |
| Return on assets (ROA) | 0.6257% | 3,586 |
| Pretax return on assets | 0.7602% | 3,521 |
| Return on Equity (ROE) | 3.1543% | 4,177 |
| Retained earnings to average equity (ytd only) | 3.1543% | 3,015 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4026% | 1,632 |
| Assets per employee ($millions) | 5.5534% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,321 |
| Loan loss allowance to noncurrent loans | 1,856.2500% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,405 |
| Noncurrent loans to loans | 0.0680% | 4,264 |
| Net loans and leases to total assets | 59.7361% | 3,525 |
| Net loans and leases to deposits | 90.8954% | 1,417 |
| Net loans and leases to core deposits | 115.1917% | 618 |
| Total domestic deposits to total assets | 65.7196% | 4,965 |
| Equity capital to assets | 20.0239% | 245 |
| Core capital (leverage) ratio | 19.2553% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0526% | 212 |
| Memoranda: | ||
| Average total assets | $77,353,000 | 4,303 |
| Average earning assets | $71,051,000 | 4,297 |
| Average equity | $15,344,000 | 3,625 |
| Average total loans | $46,646,000 | 4,219 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 3,329 |
| Cost of funding earning assets | 0.7460% | 2,938 |
| Net interest margin | 3.6251% | 3,059 |
| Noninterest income to average assets | 0.9694% | 1,037 |
| Noninterest expense to average assets | 3.3923% | 1,130 |
| Loan and lease loss provision to assets | 0.1005% | 2,047 |
| Net operating income to assets | 0.7973% | 3,565 |
| Return on assets (ROA) | 0.7829% | 3,685 |
| Pretax return on assets | 0.7909% | 3,988 |
| Return on Equity (ROE) | 4.0473% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.0473% | 2,937 |
| Net charge-offs to loans | 0.0093% | 3,353 |
| Credit loss provision to net charge-offs | 1,900.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 171.2500% | 445 |
| Efficiency ratio | 78.9231% | 1,044 |
| Assets per employee ($millions) | 5.4971% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,209 |
| Loan loss allowance to noncurrent loans | 1,337.2093% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,348 |
| Noncurrent loans to loans | 0.0930% | 4,151 |
| Net loans and leases to total assets | 59.3563% | 3,645 |
| Net loans and leases to deposits | 84.5488% | 2,274 |
| Net loans and leases to core deposits | 111.2193% | 790 |
| Total domestic deposits to total assets | 70.2036% | 4,926 |
| Equity capital to assets | 19.6468% | 262 |
| Core capital (leverage) ratio | 18.6799% | 294 |
| Tier 1 risk-based capital ratio | 31.9245% | 419 |
| Total risk-based capital ratio | 33.1904% | 407 |
| Memoranda: | ||
| Average total assets | $75,613,200 | 4,353 |
| Average earning assets | $69,432,800 | 4,353 |
| Average equity | $14,627,200 | 3,673 |
| Average total loans | $43,220,600 | 4,328 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 3,616 |
| Cost of funding earning assets | 0.7299% | 3,069 |
| Net interest margin | 3.5856% | 3,289 |
| Noninterest income to average assets | 1.2009% | 636 |
| Noninterest expense to average assets | 3.6398% | 806 |
| Loan and lease loss provision to assets | 0.0886% | 2,130 |
| Net operating income to assets | 0.8112% | 3,641 |
| Return on assets (ROA) | 0.8112% | 3,722 |
| Pretax return on assets | 0.7616% | 4,209 |
| Return on Equity (ROE) | 4.2102% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.2102% | 3,294 |
| Net charge-offs to loans | 0.0126% | 2,920 |
| Credit loss provision to net charge-offs | 1,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 120.0713% | 647 |
| Efficiency ratio | 81.0651% | 827 |
| Assets per employee ($millions) | 6.0152% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,646 |
| Loan loss allowance to noncurrent loans | 1,276.7442% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 4,432 |
| Noncurrent loans to loans | 0.0919% | 4,237 |
| Net loans and leases to total assets | 59.1148% | 3,755 |
| Net loans and leases to deposits | 83.8141% | 2,479 |
| Net loans and leases to core deposits | 110.7820% | 910 |
| Total domestic deposits to total assets | 70.5308% | 4,973 |
| Equity capital to assets | 19.1478% | 301 |
| Core capital (leverage) ratio | 18.0522% | 347 |
| Tier 1 risk-based capital ratio | 31.3418% | 444 |
| Total risk-based capital ratio | 32.5908% | 437 |
| Memoranda: | ||
| Average total assets | $75,276,750 | 4,412 |
| Average earning assets | $69,052,750 | 4,414 |
| Average equity | $14,504,000 | 3,716 |
| Average total loans | $42,462,000 | 4,406 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 3,755 |
| Cost of funding earning assets | 0.6854% | 3,245 |
| Net interest margin | 3.5768% | 3,346 |
| Noninterest income to average assets | 1.6608% | 342 |
| Noninterest expense to average assets | 4.1452% | 444 |
| Loan and lease loss provision to assets | 0.0808% | 2,220 |
| Net operating income to assets | 0.8775% | 3,373 |
| Return on assets (ROA) | 0.8775% | 3,438 |
| Pretax return on assets | 0.7079% | 4,312 |
| Return on Equity (ROE) | 4.5443% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.5443% | 2,999 |
| Net charge-offs to loans | 0.0195% | 2,476 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 73.2500% | 867 |
| Efficiency ratio | 84.0153% | 650 |
| Assets per employee ($millions) | 5.7888% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,331 |
| Loan loss allowance to noncurrent loans | 1,230.2326% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 4,473 |
| Noncurrent loans to loans | 0.1004% | 4,226 |
| Net loans and leases to total assets | 56.2229% | 4,062 |
| Net loans and leases to deposits | 81.7774% | 2,753 |
| Net loans and leases to core deposits | 104.5517% | 1,335 |
| Total domestic deposits to total assets | 68.7512% | 5,084 |
| Equity capital to assets | 19.6588% | 257 |
| Core capital (leverage) ratio | 18.5242% | 309 |
| Tier 1 risk-based capital ratio | 32.9391% | 393 |
| Total risk-based capital ratio | 34.2073% | 385 |
| Memoranda: | ||
| Average total assets | $74,303,330 | 4,458 |
| Average earning assets | $67,993,000 | 4,461 |
| Average equity | $14,347,670 | 3,740 |
| Average total loans | $41,024,330 | 4,475 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 3,806 |
| Cost of funding earning assets | 0.6589% | 3,268 |
| Net interest margin | 3.5614% | 3,396 |
| Noninterest income to average assets | 3.0774% | 138 |
| Noninterest expense to average assets | 5.5805% | 159 |
| Loan and lease loss provision to assets | 0.0813% | 2,075 |
| Net operating income to assets | 1.1649% | 2,200 |
| Return on assets (ROA) | 1.1649% | 2,249 |
| Pretax return on assets | 0.6664% | 4,380 |
| Return on Equity (ROE) | 6.0887% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.0887% | 2,421 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1849% | 473 |
| Assets per employee ($millions) | 5.6922% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,225 |
| Loan loss allowance to noncurrent loans | 1,204.6512% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,529 |
| Noncurrent loans to loans | 0.1055% | 4,264 |
| Net loans and leases to total assets | 54.3826% | 4,185 |
| Net loans and leases to deposits | 75.4500% | 3,309 |
| Net loans and leases to core deposits | 95.6685% | 1,958 |
| Total domestic deposits to total assets | 72.0776% | 5,042 |
| Equity capital to assets | 19.4357% | 263 |
| Core capital (leverage) ratio | 18.5463% | 304 |
| Tier 1 risk-based capital ratio | 32.8443% | 393 |
| Total risk-based capital ratio | 34.1099% | 385 |
| Memoranda: | ||
| Average total assets | $73,828,000 | 4,512 |
| Average earning assets | $67,390,000 | 4,523 |
| Average equity | $14,124,500 | 3,780 |
| Average total loans | $40,117,000 | 4,538 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 4,074 |
| Cost of funding earning assets | 0.5989% | 2,731 |
| Net interest margin | 3.3849% | 4,035 |
| Noninterest income to average assets | 0.6546% | 2,030 |
| Noninterest expense to average assets | 2.7533% | 2,847 |
| Loan and lease loss provision to assets | 0.1350% | 1,604 |
| Net operating income to assets | 0.7801% | 3,878 |
| Return on assets (ROA) | 0.7801% | 3,882 |
| Pretax return on assets | 0.8327% | 4,084 |
| Return on Equity (ROE) | 4.2910% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.2910% | 3,185 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9935% | 1,628 |
| Assets per employee ($millions) | 5.6660% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,171 |
| Loan loss allowance to noncurrent loans | 2,095.8333% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,693 |
| Noncurrent loans to loans | 0.0608% | 4,476 |
| Net loans and leases to total assets | 52.9080% | 4,358 |
| Net loans and leases to deposits | 72.2528% | 3,651 |
| Net loans and leases to core deposits | 92.3877% | 2,376 |
| Total domestic deposits to total assets | 73.2263% | 4,994 |
| Equity capital to assets | 18.8262% | 281 |
| Core capital (leverage) ratio | 18.6102% | 284 |
| Tier 1 risk-based capital ratio | 32.6427% | 380 |
| Total risk-based capital ratio | 33.8819% | 375 |
| Memoranda: | ||
| Average total assets | $74,092,000 | 4,526 |
| Average earning assets | $67,121,800 | 4,538 |
| Average equity | $13,470,200 | 3,821 |
| Average total loans | $37,238,200 | 4,629 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 4,108 |
| Cost of funding earning assets | 0.5933% | 2,520 |
| Net interest margin | 3.3456% | 4,165 |
| Noninterest income to average assets | 0.5445% | 2,593 |
| Noninterest expense to average assets | 2.7600% | 2,777 |
| Loan and lease loss provision to assets | 0.1204% | 1,682 |
| Net operating income to assets | 0.6235% | 4,437 |
| Return on assets (ROA) | 0.6235% | 4,453 |
| Pretax return on assets | 0.6936% | 4,547 |
| Return on Equity (ROE) | 3.4602% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.4602% | 4,040 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2247% | 1,204 |
| Assets per employee ($millions) | 5.6321% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,406 |
| Loan loss allowance to noncurrent loans | 1,958.3333% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 4,816 |
| Noncurrent loans to loans | 0.0633% | 4,603 |
| Net loans and leases to total assets | 51.1165% | 4,523 |
| Net loans and leases to deposits | 68.8092% | 3,999 |
| Net loans and leases to core deposits | 87.0818% | 2,914 |
| Total domestic deposits to total assets | 74.2874% | 4,950 |
| Equity capital to assets | 18.1515% | 320 |
| Core capital (leverage) ratio | 18.0724% | 324 |
| Tier 1 risk-based capital ratio | 33.1872% | 363 |
| Total risk-based capital ratio | 34.3786% | 362 |
| Memoranda: | ||
| Average total assets | $74,200,500 | 4,572 |
| Average earning assets | $67,190,250 | 4,587 |
| Average equity | $13,371,000 | 3,866 |
| Average total loans | $36,679,250 | 4,687 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 4,186 |
| Cost of funding earning assets | 0.5780% | 2,377 |
| Net interest margin | 3.2840% | 4,294 |
| Noninterest income to average assets | 0.6628% | 2,039 |
| Noninterest expense to average assets | 2.7667% | 2,775 |
| Loan and lease loss provision to assets | 0.1395% | 1,399 |
| Net operating income to assets | 0.6843% | 4,240 |
| Return on assets (ROA) | 0.6843% | 4,245 |
| Pretax return on assets | 0.7299% | 4,436 |
| Return on Equity (ROE) | 3.8065% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.8065% | 3,699 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0886% | 1,416 |
| Assets per employee ($millions) | 5.7552% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,827 |
| Loan loss allowance to noncurrent loans | 1,895.8333% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 4,867 |
| Noncurrent loans to loans | 0.0623% | 4,642 |
| Net loans and leases to total assets | 50.8634% | 4,554 |
| Net loans and leases to deposits | 70.2342% | 3,834 |
| Net loans and leases to core deposits | 90.2119% | 2,551 |
| Total domestic deposits to total assets | 72.4197% | 5,149 |
| Equity capital to assets | 17.8246% | 343 |
| Core capital (leverage) ratio | 17.7751% | 327 |
| Tier 1 risk-based capital ratio | 31.8551% | 417 |
| Total risk-based capital ratio | 32.9724% | 414 |
| Memoranda: | ||
| Average total assets | $74,528,330 | 4,620 |
| Average earning assets | $67,478,330 | 4,632 |
| Average equity | $13,398,000 | 3,888 |
| Average total loans | $36,273,670 | 4,746 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 4,373 |
| Cost of funding earning assets | 0.5231% | 2,606 |
| Net interest margin | 3.2221% | 4,396 |
| Noninterest income to average assets | 1.0809% | 786 |
| Noninterest expense to average assets | 2.9092% | 2,331 |
| Loan and lease loss provision to assets | 0.2205% | 715 |
| Net operating income to assets | 0.8980% | 3,296 |
| Return on assets (ROA) | 0.8980% | 3,304 |
| Pretax return on assets | 0.8658% | 3,962 |
| Return on Equity (ROE) | 4.9743% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.9743% | 3,188 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8129% | 2,069 |
| Assets per employee ($millions) | 5.7596% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.1058% | 4,622 |
| Net loans and leases to deposits | 70.2403% | 3,772 |
| Net loans and leases to core deposits | 86.8071% | 2,732 |
| Total domestic deposits to total assets | 69.9112% | 5,366 |
| Equity capital to assets | 17.8003% | 330 |
| Core capital (leverage) ratio | 17.9271% | 314 |
| Tier 1 risk-based capital ratio | 32.2336% | 396 |
| Total risk-based capital ratio | 33.3467% | 397 |
| Memoranda: | ||
| Average total assets | $74,383,500 | 4,667 |
| Average earning assets | $67,285,500 | 4,690 |
| Average equity | $13,429,000 | 3,911 |
| Average total loans | $35,155,500 | 4,827 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5455% | 4,702 |
| Cost of funding earning assets | 0.4388% | 2,888 |
| Net interest margin | 3.1068% | 4,680 |
| Noninterest income to average assets | 0.3265% | 4,137 |
| Noninterest expense to average assets | 2.5455% | 3,620 |
| Loan and lease loss provision to assets | 0.0360% | 3,549 |
| Net operating income to assets | -0.0230% | 5,382 |
| Return on assets (ROA) | 0.0000% | 5,361 |
| Pretax return on assets | 0.5727% | 4,799 |
| Return on Equity (ROE) | 0.0000% | 5,361 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,012 |
| Net charge-offs to loans | 0.0032% | 3,992 |
| Credit loss provision to net charge-offs | 2,600.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 207 |
| Efficiency ratio | 81.6327% | 952 |
| Assets per employee ($millions) | 5.6840% | 1,761 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 44.2484% | 4,966 |
| Net loans and leases to deposits | 62.1066% | 4,440 |
| Net loans and leases to core deposits | 77.1933% | 3,654 |
| Total domestic deposits to total assets | 71.2459% | 5,351 |
| Equity capital to assets | 18.3105% | 292 |
| Core capital (leverage) ratio | 17.9158% | 299 |
| Tier 1 risk-based capital ratio | 34.5918% | 329 |
| Total risk-based capital ratio | 35.6816% | 329 |
| Memoranda: | ||
| Average total assets | $72,284,400 | 4,742 |
| Average earning assets | $64,954,800 | 4,764 |
| Average equity | $13,750,400 | 3,879 |
| Average total loans | $31,724,200 | 4,977 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 4,751 |
| Cost of funding earning assets | 0.4194% | 2,989 |
| Net interest margin | 3.1074% | 4,695 |
| Noninterest income to average assets | 0.3339% | 4,149 |
| Noninterest expense to average assets | 2.5040% | 3,719 |
| Loan and lease loss provision to assets | 0.0482% | 3,134 |
| Net operating income to assets | 0.4206% | 4,957 |
| Return on assets (ROA) | 0.4563% | 4,895 |
| Pretax return on assets | 0.6195% | 4,803 |
| Return on Equity (ROE) | 2.3758% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.3758% | 4,460 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1663% | 1,082 |
| Assets per employee ($millions) | 5.7004% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,571 |
| Loan loss allowance to noncurrent loans | 13,466.6667% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 5,248 |
| Noncurrent loans to loans | 0.0094% | 5,105 |
| Net loans and leases to total assets | 42.6800% | 5,090 |
| Net loans and leases to deposits | 58.5964% | 4,712 |
| Net loans and leases to core deposits | 72.9630% | 4,065 |
| Total domestic deposits to total assets | 72.8372% | 5,328 |
| Equity capital to assets | 18.8719% | 277 |
| Core capital (leverage) ratio | 17.9600% | 306 |
| Tier 1 risk-based capital ratio | 34.4516% | 339 |
| Total risk-based capital ratio | 35.5563% | 337 |
| Memoranda: | ||
| Average total assets | $71,882,500 | 4,796 |
| Average earning assets | $64,533,250 | 4,825 |
| Average equity | $13,805,500 | 3,908 |
| Average total loans | $31,380,500 | 5,034 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5209% | 4,714 |
| Cost of funding earning assets | 0.4041% | 3,031 |
| Net interest margin | 3.1168% | 4,636 |
| Noninterest income to average assets | 0.3036% | 4,364 |
| Noninterest expense to average assets | 2.5498% | 3,578 |
| Loan and lease loss provision to assets | 0.0731% | 2,507 |
| Net operating income to assets | 0.3515% | 5,093 |
| Return on assets (ROA) | 0.4048% | 4,998 |
| Pretax return on assets | 0.5510% | 4,904 |
| Return on Equity (ROE) | 2.0952% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.0952% | 4,414 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2303% | 982 |
| Assets per employee ($millions) | 5.5590% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 42.4758% | 5,117 |
| Net loans and leases to deposits | 56.1067% | 4,853 |
| Net loans and leases to core deposits | 69.6354% | 4,247 |
| Total domestic deposits to total assets | 75.7054% | 5,127 |
| Equity capital to assets | 19.1996% | 255 |
| Core capital (leverage) ratio | 18.1250% | 297 |
| Tier 1 risk-based capital ratio | 35.2989% | 295 |
| Total risk-based capital ratio | 36.4399% | 293 |
| Memoranda: | ||
| Average total assets | $71,141,670 | 4,840 |
| Average earning assets | $63,847,000 | 4,872 |
| Average equity | $13,745,670 | 3,924 |
| Average total loans | $31,163,330 | 5,073 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5067% | 4,674 |
| Cost of funding earning assets | 0.3854% | 3,138 |
| Net interest margin | 3.1213% | 4,599 |
| Noninterest income to average assets | 0.3117% | 4,320 |
| Noninterest expense to average assets | 2.5447% | 3,671 |
| Loan and lease loss provision to assets | 0.1474% | 1,267 |
| Net operating income to assets | 0.3103% | 5,165 |
| Return on assets (ROA) | 0.4194% | 4,916 |
| Pretax return on assets | 0.5667% | 4,802 |
| Return on Equity (ROE) | 2.1636% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.1636% | 4,278 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7851% | 1,186 |
| Assets per employee ($millions) | 5.4818% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,860 |
| Loan loss allowance to noncurrent loans | 3,672.7273% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,287 |
| Noncurrent loans to loans | 0.0339% | 5,066 |
| Net loans and leases to total assets | 44.9462% | 4,988 |
| Net loans and leases to deposits | 58.9621% | 4,636 |
| Net loans and leases to core deposits | 72.8004% | 3,929 |
| Total domestic deposits to total assets | 76.2289% | 5,208 |
| Equity capital to assets | 19.2905% | 233 |
| Core capital (leverage) ratio | 18.5525% | 255 |
| Tier 1 risk-based capital ratio | 34.6031% | 334 |
| Total risk-based capital ratio | 35.7280% | 334 |
| Memoranda: | ||
| Average total assets | $70,579,000 | 4,902 |
| Average earning assets | $63,307,500 | 4,934 |
| Average equity | $13,681,000 | 3,965 |
| Average total loans | $31,195,000 | 5,119 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 4,964 |
| Cost of funding earning assets | 0.3751% | 3,264 |
| Net interest margin | 3.0337% | 4,892 |
| Noninterest income to average assets | 0.3307% | 4,370 |
| Noninterest expense to average assets | 2.5101% | 3,974 |
| Loan and lease loss provision to assets | 0.0248% | 3,860 |
| Net operating income to assets | 0.3643% | 5,047 |
| Return on assets (ROA) | 0.4283% | 4,937 |
| Pretax return on assets | 0.5944% | 4,802 |
| Return on Equity (ROE) | 2.1213% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.1213% | 4,326 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5587% | 1,136 |
| Assets per employee ($millions) | 5.3765% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,751 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,310 |
| Noncurrent loans to loans | 0.0467% | 5,054 |
| Net loans and leases to total assets | 42.3178% | 5,220 |
| Net loans and leases to deposits | 60.9378% | 4,615 |
| Net loans and leases to core deposits | 70.6020% | 4,190 |
| Total domestic deposits to total assets | 69.4442% | 5,684 |
| Equity capital to assets | 19.4792% | 224 |
| Core capital (leverage) ratio | 18.3260% | 268 |
| Tier 1 risk-based capital ratio | 36.5825% | 286 |
| Total risk-based capital ratio | 37.6936% | 282 |
| Memoranda: | ||
| Average total assets | $68,643,600 | 4,963 |
| Average earning assets | $61,311,800 | 4,991 |
| Average equity | $13,859,400 | 3,958 |
| Average total loans | $28,226,000 | 5,261 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 5,089 |
| Cost of funding earning assets | 0.3738% | 3,295 |
| Net interest margin | 2.9946% | 5,023 |
| Noninterest income to average assets | 0.3298% | 4,427 |
| Noninterest expense to average assets | 2.5054% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3622% | 5,141 |
| Return on assets (ROA) | 0.4234% | 5,040 |
| Pretax return on assets | 0.5815% | 4,926 |
| Return on Equity (ROE) | 2.0784% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.0784% | 4,651 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4308% | 1,032 |
| Assets per employee ($millions) | 5.8627% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 3,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 41.6108% | 5,314 |
| Net loans and leases to deposits | 59.6358% | 4,782 |
| Net loans and leases to core deposits | 68.9660% | 4,399 |
| Total domestic deposits to total assets | 69.7748% | 5,711 |
| Equity capital to assets | 20.0449% | 227 |
| Core capital (leverage) ratio | 17.9061% | 310 |
| Tier 1 risk-based capital ratio | 37.1933% | 281 |
| Total risk-based capital ratio | 38.2814% | 282 |
| Memoranda: | ||
| Average total assets | $68,330,750 | 5,012 |
| Average earning assets | $60,997,250 | 5,039 |
| Average equity | $13,920,500 | 3,984 |
| Average total loans | $27,793,500 | 5,326 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 5,237 |
| Cost of funding earning assets | 0.3680% | 3,377 |
| Net interest margin | 2.9576% | 5,159 |
| Noninterest income to average assets | 0.3370% | 4,373 |
| Noninterest expense to average assets | 2.5570% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3072% | 5,304 |
| Return on assets (ROA) | 0.3991% | 5,113 |
| Pretax return on assets | 0.5410% | 5,047 |
| Return on Equity (ROE) | 1.9481% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.9481% | 4,585 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9841% | 886 |
| Assets per employee ($millions) | 5.8610% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,959 |
| Loan loss allowance to noncurrent loans | 7,220.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,603 |
| Noncurrent loans to loans | 0.0176% | 5,406 |
| Net loans and leases to total assets | 39.9164% | 5,425 |
| Net loans and leases to deposits | 58.7482% | 4,865 |
| Net loans and leases to core deposits | 66.2936% | 4,587 |
| Total domestic deposits to total assets | 67.9449% | 5,842 |
| Equity capital to assets | 19.9625% | 222 |
| Core capital (leverage) ratio | 18.1454% | 284 |
| Tier 1 risk-based capital ratio | 37.3724% | 277 |
| Total risk-based capital ratio | 38.4759% | 282 |
| Memoranda: | ||
| Average total assets | $67,657,000 | 5,074 |
| Average earning assets | $60,318,670 | 5,104 |
| Average equity | $13,860,000 | 4,008 |
| Average total loans | $27,179,670 | 5,399 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3733% | 5,182 |
| Cost of funding earning assets | 0.3658% | 3,443 |
| Net interest margin | 3.0075% | 5,105 |
| Noninterest income to average assets | 0.3679% | 4,090 |
| Noninterest expense to average assets | 2.6297% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3071% | 5,283 |
| Return on assets (ROA) | 0.4946% | 4,747 |
| Pretax return on assets | 0.6695% | 4,623 |
| Return on Equity (ROE) | 2.3820% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.3820% | 4,298 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3366% | 948 |
| Assets per employee ($millions) | 5.5049% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,783 |
| Loan loss allowance to noncurrent loans | 5,157.1429% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,630 |
| Noncurrent loans to loans | 0.0257% | 5,389 |
| Net loans and leases to total assets | 40.7636% | 5,416 |
| Net loans and leases to deposits | 56.3666% | 4,962 |
| Net loans and leases to core deposits | 63.2365% | 4,739 |
| Total domestic deposits to total assets | 72.3187% | 5,750 |
| Equity capital to assets | 21.0584% | 179 |
| Core capital (leverage) ratio | 18.8443% | 240 |
| Tier 1 risk-based capital ratio | 39.3028% | 246 |
| Total risk-based capital ratio | 40.4702% | 241 |
| Memoranda: | ||
| Average total assets | $66,319,500 | 5,140 |
| Average earning assets | $59,052,000 | 5,182 |
| Average equity | $13,770,000 | 4,033 |
| Average total loans | $26,552,000 | 5,463 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 5,309 |
| Cost of funding earning assets | 0.3790% | 3,382 |
| Net interest margin | 2.9411% | 5,271 |
| Noninterest income to average assets | 0.3060% | 4,696 |
| Noninterest expense to average assets | 2.5277% | 4,136 |
| Loan and lease loss provision to assets | 0.1670% | 1,371 |
| Net operating income to assets | 0.1645% | 5,652 |
| Return on assets (ROA) | 0.5174% | 4,713 |
| Pretax return on assets | 0.7494% | 4,368 |
| Return on Equity (ROE) | 2.5634% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.5634% | 4,245 |
| Net charge-offs to loans | 0.0207% | 3,851 |
| Credit loss provision to net charge-offs | 2,260.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 54.8000% | 940 |
| Efficiency ratio | 86.1895% | 979 |
| Assets per employee ($millions) | 5.5483% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 2,427 |
| Loan loss allowance to noncurrent loans | 2,005.5556% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 5,486 |
| Noncurrent loans to loans | 0.0697% | 5,237 |
| Net loans and leases to total assets | 38.2307% | 5,613 |
| Net loans and leases to deposits | 55.0262% | 5,110 |
| Net loans and leases to core deposits | 61.0818% | 4,925 |
| Total domestic deposits to total assets | 69.4773% | 5,916 |
| Equity capital to assets | 20.4701% | 197 |
| Core capital (leverage) ratio | 19.0590% | 238 |
| Tier 1 risk-based capital ratio | 40.1908% | 227 |
| Total risk-based capital ratio | 41.3863% | 226 |
| Memoranda: | ||
| Average total assets | $67,650,200 | 5,138 |
| Average earning assets | $60,420,400 | 5,173 |
| Average equity | $13,654,000 | 4,023 |
| Average total loans | $24,136,800 | 5,582 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 5,361 |
| Cost of funding earning assets | 0.3844% | 3,388 |
| Net interest margin | 2.9452% | 5,320 |
| Noninterest income to average assets | 0.2513% | 5,142 |
| Noninterest expense to average assets | 2.4539% | 4,334 |
| Loan and lease loss provision to assets | 0.2218% | 842 |
| Net operating income to assets | 0.1447% | 5,784 |
| Return on assets (ROA) | 0.6066% | 4,450 |
| Pretax return on assets | 0.8873% | 4,024 |
| Return on Equity (ROE) | 3.0160% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.0160% | 4,295 |
| Net charge-offs to loans | 0.0281% | 3,380 |
| Credit loss provision to net charge-offs | 2,260.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 43.7766% | 1,152 |
| Efficiency ratio | 85.0919% | 1,078 |
| Assets per employee ($millions) | 6.0307% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,407 |
| Loan loss allowance to noncurrent loans | 3,008.3333% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 5,626 |
| Noncurrent loans to loans | 0.0479% | 5,423 |
| Net loans and leases to total assets | 37.2245% | 5,739 |
| Net loans and leases to deposits | 52.1355% | 5,364 |
| Net loans and leases to core deposits | 57.7205% | 5,203 |
| Total domestic deposits to total assets | 71.3995% | 5,905 |
| Equity capital to assets | 20.7724% | 202 |
| Core capital (leverage) ratio | 18.7999% | 255 |
| Tier 1 risk-based capital ratio | 41.2290% | 232 |
| Total risk-based capital ratio | 42.4601% | 230 |
| Memoranda: | ||
| Average total assets | $67,917,750 | 5,196 |
| Average earning assets | $60,707,500 | 5,226 |
| Average equity | $13,660,250 | 4,072 |
| Average total loans | $23,717,250 | 5,661 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 5,410 |
| Cost of funding earning assets | 0.3886% | 3,384 |
| Net interest margin | 2.9263% | 5,395 |
| Noninterest income to average assets | 0.2455% | 5,199 |
| Noninterest expense to average assets | 2.4458% | 4,409 |
| Loan and lease loss provision to assets | 0.3302% | 418 |
| Net operating income to assets | -0.0831% | 6,041 |
| Return on assets (ROA) | 0.5640% | 4,609 |
| Pretax return on assets | 1.0987% | 3,181 |
| Return on Equity (ROE) | 2.8340% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.8340% | 4,239 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4082% | 1,108 |
| Assets per employee ($millions) | 6.1860% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 2,705 |
| Loan loss allowance to noncurrent loans | 1,180.6452% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,679 |
| Noncurrent loans to loans | 0.1195% | 5,285 |
| Net loans and leases to total assets | 37.5907% | 5,754 |
| Net loans and leases to deposits | 54.0497% | 5,249 |
| Net loans and leases to core deposits | 59.8423% | 5,080 |
| Total domestic deposits to total assets | 69.5485% | 6,050 |
| Equity capital to assets | 19.8807% | 231 |
| Core capital (leverage) ratio | 18.4684% | 266 |
| Tier 1 risk-based capital ratio | 39.7463% | 267 |
| Total risk-based capital ratio | 40.9583% | 263 |
| Memoranda: | ||
| Average total assets | $68,444,330 | 5,243 |
| Average earning assets | $61,238,670 | 5,272 |
| Average equity | $13,620,330 | 4,108 |
| Average total loans | $23,271,330 | 5,734 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 5,535 |
| Cost of funding earning assets | 0.3910% | 3,396 |
| Net interest margin | 2.8676% | 5,512 |
| Noninterest income to average assets | 0.2447% | 5,220 |
| Noninterest expense to average assets | 2.4008% | 4,589 |
| Loan and lease loss provision to assets | 0.6585% | 141 |
| Net operating income to assets | -0.2098% | 6,149 |
| Return on assets (ROA) | 0.1573% | 5,847 |
| Pretax return on assets | 0.1865% | 5,847 |
| Return on Equity (ROE) | 0.7903% | 5,949 |
| Retained earnings to average equity (ytd only) | 0.7903% | 5,140 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4772% | 1,228 |
| Assets per employee ($millions) | 6.0609% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 1,964 |
| Loan loss allowance to noncurrent loans | 1,109.0909% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,739 |
| Noncurrent loans to loans | 0.1463% | 5,257 |
| Net loans and leases to total assets | 33.2863% | 5,948 |
| Net loans and leases to deposits | 46.0415% | 5,655 |
| Net loans and leases to core deposits | 50.8734% | 5,550 |
| Total domestic deposits to total assets | 72.2964% | 6,025 |
| Equity capital to assets | 20.6045% | 201 |
| Core capital (leverage) ratio | 17.4800% | 323 |
| Tier 1 risk-based capital ratio | 41.6529% | 239 |
| Total risk-based capital ratio | 42.9395% | 235 |
| Memoranda: | ||
| Average total assets | $68,643,500 | 5,296 |
| Average earning assets | $61,375,000 | 5,316 |
| Average equity | $13,666,500 | 4,129 |
| Average total loans | $21,934,500 | 5,826 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2634% | 5,754 |
| Cost of funding earning assets | 0.4007% | 3,680 |
| Net interest margin | 2.8627% | 5,715 |
| Noninterest income to average assets | 0.2772% | 5,131 |
| Noninterest expense to average assets | 2.5338% | 4,443 |
| Loan and lease loss provision to assets | 0.1220% | 2,148 |
| Net operating income to assets | 0.1846% | 5,799 |
| Return on assets (ROA) | -1.0967% | 6,392 |
| Pretax return on assets | -1.8303% | 6,442 |
| Return on Equity (ROE) | -5.5131% | 6,300 |
| Retained earnings to average equity (ytd only) | -5.5131% | 6,199 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6111% | 869 |
| Assets per employee ($millions) | 6.4197% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 4,084 |
| Loan loss allowance to noncurrent loans | 816.1290% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 5,861 |
| Noncurrent loans to loans | 0.1455% | 5,310 |
| Net loans and leases to total assets | 29.8200% | 6,183 |
| Net loans and leases to deposits | 43.9276% | 5,880 |
| Net loans and leases to core deposits | 48.5621% | 5,784 |
| Total domestic deposits to total assets | 67.8845% | 6,274 |
| Equity capital to assets | 19.2532% | 255 |
| Core capital (leverage) ratio | 16.4841% | 416 |
| Tier 1 risk-based capital ratio | 41.1063% | 222 |
| Total risk-based capital ratio | 42.0132% | 222 |
| Memoranda: | ||
| Average total assets | $66,381,200 | 5,384 |
| Average earning assets | $59,140,600 | 5,418 |
| Average equity | $13,205,000 | 4,154 |
| Average total loans | $18,236,600 | 6,035 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 5,738 |
| Cost of funding earning assets | 0.4017% | 3,772 |
| Net interest margin | 2.9148% | 5,672 |
| Noninterest income to average assets | 0.2858% | 5,157 |
| Noninterest expense to average assets | 2.5412% | 4,390 |
| Loan and lease loss provision to assets | -0.0020% | 6,059 |
| Net operating income to assets | 0.3522% | 5,418 |
| Return on assets (ROA) | -1.3839% | 6,492 |
| Pretax return on assets | -2.3738% | 6,537 |
| Return on Equity (ROE) | -6.8968% | 6,404 |
| Retained earnings to average equity (ytd only) | -6.8968% | 6,319 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2979% | 976 |
| Assets per employee ($millions) | 6.2139% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 5,598 |
| Loan loss allowance to noncurrent loans | 551.6129% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 5,977 |
| Noncurrent loans to loans | 0.1635% | 5,418 |
| Net loans and leases to total assets | 27.4823% | 6,327 |
| Net loans and leases to deposits | 38.7599% | 6,161 |
| Net loans and leases to core deposits | 42.7963% | 6,094 |
| Total domestic deposits to total assets | 70.9040% | 6,238 |
| Equity capital to assets | 19.6773% | 243 |
| Core capital (leverage) ratio | 16.9947% | 373 |
| Tier 1 risk-based capital ratio | 43.7306% | 192 |
| Total risk-based capital ratio | 44.3853% | 197 |
| Memoranda: | ||
| Average total assets | $65,322,250 | 5,471 |
| Average earning assets | $58,092,750 | 5,508 |
| Average equity | $13,107,250 | 4,198 |
| Average total loans | $17,468,000 | 6,127 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 5,804 |
| Cost of funding earning assets | 0.3852% | 4,049 |
| Net interest margin | 2.9067% | 5,724 |
| Noninterest income to average assets | 0.2706% | 5,271 |
| Noninterest expense to average assets | 2.5656% | 4,368 |
| Loan and lease loss provision to assets | -0.0031% | 6,210 |
| Net operating income to assets | 0.2426% | 5,730 |
| Return on assets (ROA) | 0.2426% | 5,802 |
| Pretax return on assets | 0.2892% | 5,804 |
| Return on Equity (ROE) | 1.2006% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.2006% | 5,272 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9673% | 921 |
| Assets per employee ($millions) | 6.6468% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 5,502 |
| Loan loss allowance to noncurrent loans | 1,221.4286% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,072 |
| Noncurrent loans to loans | 0.0791% | 5,786 |
| Net loans and leases to total assets | 26.3841% | 6,408 |
| Net loans and leases to deposits | 36.5819% | 6,278 |
| Net loans and leases to core deposits | 40.4349% | 6,206 |
| Total domestic deposits to total assets | 72.1234% | 6,241 |
| Equity capital to assets | 20.2443% | 205 |
| Core capital (leverage) ratio | 18.7258% | 264 |
| Tier 1 risk-based capital ratio | 48.8939% | 141 |
| Total risk-based capital ratio | 49.5767% | 141 |
| Memoranda: | ||
| Average total assets | $64,312,000 | 5,554 |
| Average earning assets | $57,109,670 | 5,583 |
| Average equity | $12,993,000 | 4,225 |
| Average total loans | $16,972,000 | 6,201 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2608% | 5,918 |
| Cost of funding earning assets | 0.3790% | 4,212 |
| Net interest margin | 2.8818% | 5,787 |
| Noninterest income to average assets | 0.2530% | 5,344 |
| Noninterest expense to average assets | 2.6378% | 4,157 |
| Loan and lease loss provision to assets | -0.3163% | 6,622 |
| Net operating income to assets | 0.3732% | 5,215 |
| Return on assets (ROA) | 0.3732% | 5,284 |
| Pretax return on assets | 0.4808% | 5,226 |
| Return on Equity (ROE) | 1.8493% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.8493% | 4,857 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1309% | 741 |
| Assets per employee ($millions) | 6.3134% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 6,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 6,233 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 26.6481% | 6,455 |
| Net loans and leases to deposits | 34.2543% | 6,363 |
| Net loans and leases to core deposits | 37.7635% | 6,319 |
| Total domestic deposits to total assets | 77.7948% | 5,855 |
| Equity capital to assets | 20.5531% | 190 |
| Core capital (leverage) ratio | 18.9883% | 245 |
| Tier 1 risk-based capital ratio | 50.5645% | 131 |
| Total risk-based capital ratio | 51.0845% | 135 |
| Memoranda: | ||
| Average total assets | $63,234,000 | 5,637 |
| Average earning assets | $55,938,000 | 5,668 |
| Average equity | $12,761,500 | 4,282 |
| Average total loans | $16,604,000 | 6,279 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1855% | 6,150 |
| Cost of funding earning assets | 0.4865% | 3,751 |
| Net interest margin | 2.6989% | 6,144 |
| Noninterest income to average assets | 0.0547% | 6,537 |
| Noninterest expense to average assets | 2.5046% | 4,752 |
| Loan and lease loss provision to assets | -0.0259% | 6,315 |
| Net operating income to assets | 0.0776% | 6,083 |
| Return on assets (ROA) | 0.1505% | 6,005 |
| Pretax return on assets | 0.0532% | 6,151 |
| Return on Equity (ROE) | 0.7341% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.7341% | 5,505 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8553% | 429 |
| Assets per employee ($millions) | 6.3334% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 5,313 |
| Loan loss allowance to noncurrent loans | 99.4220% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 5,380 |
| Noncurrent loans to loans | 1.0639% | 3,385 |
| Net loans and leases to total assets | 25.4034% | 6,579 |
| Net loans and leases to deposits | 32.4061% | 6,522 |
| Net loans and leases to core deposits | 35.6843% | 6,482 |
| Total domestic deposits to total assets | 78.3908% | 5,764 |
| Equity capital to assets | 19.8108% | 220 |
| Core capital (leverage) ratio | 18.4294% | 276 |
| Tier 1 risk-based capital ratio | 50.4693% | 130 |
| Total risk-based capital ratio | 51.2133% | 132 |
| Memoranda: | ||
| Average total assets | $65,759,600 | 5,600 |
| Average earning assets | $58,578,800 | 5,641 |
| Average equity | $13,486,000 | 4,170 |
| Average total loans | $16,596,200 | 6,341 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 6,210 |
| Cost of funding earning assets | 0.5109% | 3,665 |
| Net interest margin | 2.6806% | 6,206 |
| Noninterest income to average assets | -0.0101% | 6,769 |
| Noninterest expense to average assets | 2.3947% | 5,041 |
| Loan and lease loss provision to assets | 0.0683% | 3,689 |
| Net operating income to assets | 0.1065% | 6,123 |
| Return on assets (ROA) | 0.1065% | 6,189 |
| Pretax return on assets | -0.0804% | 6,381 |
| Return on Equity (ROE) | 0.5150% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.5150% | 5,762 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5059% | 448 |
| Assets per employee ($millions) | 5.8366% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 3,647 |
| Loan loss allowance to noncurrent loans | 719.3548% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 6,219 |
| Noncurrent loans to loans | 0.2027% | 5,731 |
| Net loans and leases to total assets | 23.4709% | 6,699 |
| Net loans and leases to deposits | 30.0838% | 6,667 |
| Net loans and leases to core deposits | 33.0947% | 6,627 |
| Total domestic deposits to total assets | 78.0182% | 5,896 |
| Equity capital to assets | 20.2389% | 203 |
| Core capital (leverage) ratio | 18.5737% | 255 |
| Tier 1 risk-based capital ratio | 44.2771% | 182 |
| Total risk-based capital ratio | 45.3135% | 181 |
| Memoranda: | ||
| Average total assets | $66,366,000 | 5,638 |
| Average earning assets | $59,239,500 | 5,676 |
| Average equity | $13,720,750 | 4,173 |
| Average total loans | $16,680,000 | 6,407 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 6,239 |
| Cost of funding earning assets | 0.5299% | 3,606 |
| Net interest margin | 2.6628% | 6,237 |
| Noninterest income to average assets | 0.0328% | 6,717 |
| Noninterest expense to average assets | 2.3760% | 5,118 |
| Loan and lease loss provision to assets | 0.0447% | 4,073 |
| Net operating income to assets | 0.1968% | 5,902 |
| Return on assets (ROA) | 0.1968% | 6,027 |
| Pretax return on assets | -0.0060% | 6,360 |
| Return on Equity (ROE) | 0.9454% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.9454% | 5,527 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3951% | 548 |
| Assets per employee ($millions) | 6.5814% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,842 |
| Loan loss allowance to noncurrent loans | 728.5714% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 5,776 |
| Noncurrent loans to loans | 0.1686% | 5,899 |
| Net loans and leases to total assets | 24.9263% | 6,712 |
| Net loans and leases to deposits | 31.8488% | 6,655 |
| Net loans and leases to core deposits | 35.3122% | 6,619 |
| Total domestic deposits to total assets | 78.2645% | 5,931 |
| Equity capital to assets | 20.1401% | 203 |
| Core capital (leverage) ratio | 18.3938% | 259 |
| Tier 1 risk-based capital ratio | 46.4854% | 154 |
| Total risk-based capital ratio | 47.3954% | 158 |
| Memoranda: | ||
| Average total assets | $67,087,000 | 5,655 |
| Average earning assets | $60,012,000 | 5,695 |
| Average equity | $13,963,000 | 4,156 |
| Average total loans | $17,142,670 | 6,422 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 6,347 |
| Cost of funding earning assets | 0.5326% | 3,747 |
| Net interest margin | 2.6234% | 6,338 |
| Noninterest income to average assets | -0.2126% | 6,951 |
| Noninterest expense to average assets | 2.3980% | 5,131 |
| Loan and lease loss provision to assets | 0.0768% | 3,349 |
| Net operating income to assets | -0.1358% | 6,473 |
| Return on assets (ROA) | -0.1358% | 6,519 |
| Pretax return on assets | -0.3308% | 6,606 |
| Return on Equity (ROE) | -0.6426% | 6,475 |
| Retained earnings to average equity (ytd only) | -0.6426% | 5,904 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8457% | 305 |
| Assets per employee ($millions) | 6.8353% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 5,211 |
| Loan loss allowance to noncurrent loans | 469.7674% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 5,883 |
| Noncurrent loans to loans | 0.2541% | 5,775 |
| Net loans and leases to total assets | 24.4642% | 6,762 |
| Net loans and leases to deposits | 31.4761% | 6,703 |
| Net loans and leases to core deposits | 34.7846% | 6,655 |
| Total domestic deposits to total assets | 77.7230% | 6,156 |
| Equity capital to assets | 20.7935% | 184 |
| Core capital (leverage) ratio | 18.8488% | 241 |
| Tier 1 risk-based capital ratio | 47.9362% | 144 |
| Total risk-based capital ratio | 48.8645% | 145 |
| Memoranda: | ||
| Average total assets | $67,723,500 | 5,697 |
| Average earning assets | $60,836,500 | 5,715 |
| Average equity | $14,317,000 | 4,134 |
| Average total loans | $17,409,500 | 6,470 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 6,532 |
| Cost of funding earning assets | 0.7399% | 3,160 |
| Net interest margin | 2.6179% | 6,621 |
| Noninterest income to average assets | 0.3038% | 5,275 |
| Noninterest expense to average assets | 2.5583% | 4,901 |
| Loan and lease loss provision to assets | -0.0737% | 6,897 |
| Net operating income to assets | 0.0391% | 6,102 |
| Return on assets (ROA) | 0.0391% | 6,244 |
| Pretax return on assets | 0.1339% | 6,096 |
| Return on Equity (ROE) | 0.1807% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.1807% | 5,755 |
| Net charge-offs to loans | 2.2880% | 289 |
| Credit loss provision to net charge-offs | -11.3953% | 6,219 |
| Earnings coverage of net charge-offs (x) | 0.0930% | 5,441 |
| Efficiency ratio | 97.7025% | 640 |
| Assets per employee ($millions) | 6.0995% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,736 |
| Loan loss allowance to noncurrent loans | 205.4348% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1983% | 3,660 |
| Noncurrent loans to loans | 0.5141% | 5,247 |
| Net loans and leases to total assets | 26.3898% | 6,800 |
| Net loans and leases to deposits | 34.3206% | 6,733 |
| Net loans and leases to core deposits | 38.0422% | 6,673 |
| Total domestic deposits to total assets | 76.8921% | 6,241 |
| Equity capital to assets | 21.4937% | 169 |
| Core capital (leverage) ratio | 19.4875% | 211 |
| Tier 1 risk-based capital ratio | 52.9268% | 127 |
| Total risk-based capital ratio | 53.9086% | 125 |
| Memoranda: | ||
| Average total assets | $66,490,600 | 5,724 |
| Average earning assets | $58,788,600 | 5,788 |
| Average equity | $14,386,000 | 4,093 |
| Average total loans | $18,794,000 | 6,476 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 6,624 |
| Cost of funding earning assets | 0.7793% | 3,117 |
| Net interest margin | 2.6251% | 6,734 |
| Noninterest income to average assets | 0.2532% | 5,756 |
| Noninterest expense to average assets | 2.5987% | 4,747 |
| Loan and lease loss provision to assets | -0.1085% | 7,043 |
| Net operating income to assets | 0.2271% | 5,846 |
| Return on assets (ROA) | 0.2271% | 6,026 |
| Pretax return on assets | 0.0784% | 6,301 |
| Return on Equity (ROE) | 1.0479% | 6,236 |
| Retained earnings to average equity (ytd only) | 1.0479% | 5,749 |
| Net charge-offs to loans | 2.8182% | 204 |
| Credit loss provision to net charge-offs | -13.4328% | 6,108 |
| Earnings coverage of net charge-offs (x) | -0.0373% | 5,344 |
| Efficiency ratio | 101.1737% | 506 |
| Assets per employee ($millions) | 6.0746% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 5,418 |
| Loan loss allowance to noncurrent loans | 258.5366% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 1.9470% | 2,717 |
| Noncurrent loans to loans | 0.4533% | 5,542 |
| Net loans and leases to total assets | 26.7521% | 6,906 |
| Net loans and leases to deposits | 34.8923% | 6,841 |
| Net loans and leases to core deposits | 38.7102% | 6,784 |
| Total domestic deposits to total assets | 76.6705% | 6,286 |
| Equity capital to assets | 21.6504% | 182 |
| Core capital (leverage) ratio | 19.5010% | 229 |
| Tier 1 risk-based capital ratio | 52.1030% | 129 |
| Total risk-based capital ratio | 53.2016% | 128 |
| Memoranda: | ||
| Average total assets | $66,339,750 | 5,802 |
| Average earning assets | $58,511,250 | 5,861 |
| Average equity | $14,377,250 | 4,126 |
| Average total loans | $19,018,750 | 6,550 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 6,609 |
| Cost of funding earning assets | 0.8196% | 3,032 |
| Net interest margin | 2.6748% | 6,736 |
| Noninterest income to average assets | 0.3687% | 4,883 |
| Noninterest expense to average assets | 2.6232% | 4,701 |
| Loan and lease loss provision to assets | -0.1692% | 7,141 |
| Net operating income to assets | 0.5017% | 4,813 |
| Return on assets (ROA) | 0.5017% | 5,067 |
| Pretax return on assets | 0.2720% | 6,021 |
| Return on Equity (ROE) | 2.3140% | 5,947 |
| Retained earnings to average equity (ytd only) | 2.3140% | 5,037 |
| Net charge-offs to loans | 3.8698% | 116 |
| Credit loss provision to net charge-offs | -14.9733% | 5,935 |
| Earnings coverage of net charge-offs (x) | 0.0909% | 5,034 |
| Efficiency ratio | 96.2306% | 693 |
| Assets per employee ($millions) | 6.0809% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 5,061 |
| Loan loss allowance to noncurrent loans | 122.6804% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 2.4996% | 2,236 |
| Noncurrent loans to loans | 1.0313% | 4,444 |
| Net loans and leases to total assets | 27.7665% | 6,936 |
| Net loans and leases to deposits | 36.1624% | 6,870 |
| Net loans and leases to core deposits | 40.1023% | 6,804 |
| Total domestic deposits to total assets | 76.7828% | 6,363 |
| Equity capital to assets | 21.6505% | 173 |
| Core capital (leverage) ratio | 20.5074% | 183 |
| Tier 1 risk-based capital ratio | 46.5633% | 154 |
| Total risk-based capital ratio | 47.3760% | 158 |
| Memoranda: | ||
| Average total assets | $66,179,330 | 5,840 |
| Average earning assets | $58,321,330 | 5,895 |
| Average equity | $14,347,330 | 4,125 |
| Average total loans | $19,329,000 | 6,588 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 6,679 |
| Cost of funding earning assets | 0.8613% | 2,984 |
| Net interest margin | 2.6527% | 6,832 |
| Noninterest income to average assets | 0.4193% | 4,522 |
| Noninterest expense to average assets | 2.6313% | 4,701 |
| Loan and lease loss provision to assets | 0.0972% | 4,131 |
| Net operating income to assets | 0.0851% | 6,267 |
| Return on assets (ROA) | 0.0851% | 6,388 |
| Pretax return on assets | 0.0304% | 6,483 |
| Return on Equity (ROE) | 0.3922% | 6,464 |
| Retained earnings to average equity (ytd only) | 0.3922% | 5,869 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3744% | 751 |
| Assets per employee ($millions) | 6.0423% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5086% | 531 |
| Loan loss allowance to noncurrent loans | 86.0377% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 3.1099% | 1,868 |
| Noncurrent loans to loans | 4.0780% | 1,489 |
| Net loans and leases to total assets | 28.3021% | 6,969 |
| Net loans and leases to deposits | 36.7395% | 6,863 |
| Net loans and leases to core deposits | 40.7561% | 6,794 |
| Total domestic deposits to total assets | 77.0345% | 6,400 |
| Equity capital to assets | 21.4745% | 161 |
| Core capital (leverage) ratio | 20.4093% | 181 |
| Tier 1 risk-based capital ratio | 46.1812% | 153 |
| Total risk-based capital ratio | 47.4450% | 150 |
| Memoranda: | ||
| Average total assets | $65,824,000 | 5,894 |
| Average earning assets | $58,054,000 | 5,936 |
| Average equity | $14,280,000 | 4,140 |
| Average total loans | $19,588,000 | 6,631 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 6,744 |
| Cost of funding earning assets | 1.1177% | 2,551 |
| Net interest margin | 2.6685% | 6,953 |
| Noninterest income to average assets | 0.3579% | 4,952 |
| Noninterest expense to average assets | 2.9275% | 3,856 |
| Loan and lease loss provision to assets | 0.0536% | 5,923 |
| Net operating income to assets | -0.0804% | 6,146 |
| Return on assets (ROA) | -0.0804% | 6,223 |
| Pretax return on assets | -0.2822% | 6,339 |
| Return on Equity (ROE) | -0.3558% | 6,196 |
| Retained earnings to average equity (ytd only) | -0.3558% | 5,909 |
| Net charge-offs to loans | 1.1629% | 1,458 |
| Credit loss provision to net charge-offs | 13.9918% | 5,980 |
| Earnings coverage of net charge-offs (x) | -0.5967% | 6,108 |
| Efficiency ratio | 108.4696% | 462 |
| Assets per employee ($millions) | 5.9257% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 5,111 |
| Loan loss allowance to noncurrent loans | 459.2593% | 738 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 3,005 |
| Noncurrent loans to loans | 0.2744% | 6,176 |
| Net loans and leases to total assets | 29.8130% | 7,014 |
| Net loans and leases to deposits | 39.1337% | 6,918 |
| Net loans and leases to core deposits | 42.8833% | 6,858 |
| Total domestic deposits to total assets | 76.1824% | 6,459 |
| Equity capital to assets | 21.9183% | 155 |
| Core capital (leverage) ratio | 20.9811% | 164 |
| Tier 1 risk-based capital ratio | 49.0602% | 138 |
| Total risk-based capital ratio | 50.1639% | 139 |
| Memoranda: | ||
| Average total assets | $63,433,400 | 5,941 |
| Average earning assets | $55,649,600 | 5,998 |
| Average equity | $14,333,400 | 4,042 |
| Average total loans | $20,896,400 | 6,616 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 6,855 |
| Cost of funding earning assets | 1.1732% | 2,494 |
| Net interest margin | 2.6143% | 7,064 |
| Noninterest income to average assets | 0.3852% | 4,769 |
| Noninterest expense to average assets | 3.0266% | 3,456 |
| Loan and lease loss provision to assets | 0.0593% | 5,702 |
| Net operating income to assets | -0.1418% | 6,324 |
| Return on assets (ROA) | -0.1418% | 6,405 |
| Pretax return on assets | -0.4085% | 6,571 |
| Return on Equity (ROE) | -0.6227% | 6,334 |
| Retained earnings to average equity (ytd only) | -0.6227% | 6,090 |
| Net charge-offs to loans | 1.4150% | 1,051 |
| Credit loss provision to net charge-offs | 12.4444% | 5,646 |
| Earnings coverage of net charge-offs (x) | -0.7333% | 5,887 |
| Efficiency ratio | 113.0435% | 383 |
| Assets per employee ($millions) | 5.9030% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 5,087 |
| Loan loss allowance to noncurrent loans | 815.6250% | 425 |
| Noncurrent assets plus other real estate owned to assets | 1.9482% | 3,206 |
| Noncurrent loans to loans | 0.1573% | 6,552 |
| Net loans and leases to total assets | 30.9226% | 7,058 |
| Net loans and leases to deposits | 40.5604% | 6,962 |
| Net loans and leases to core deposits | 43.6766% | 6,930 |
| Total domestic deposits to total assets | 76.2386% | 6,502 |
| Equity capital to assets | 21.8887% | 171 |
| Core capital (leverage) ratio | 21.0007% | 177 |
| Tier 1 risk-based capital ratio | 48.5360% | 156 |
| Total risk-based capital ratio | 49.6949% | 156 |
| Memoranda: | ||
| Average total assets | $62,996,000 | 6,004 |
| Average earning assets | $55,232,500 | 6,059 |
| Average equity | $14,345,000 | 4,065 |
| Average total loans | $21,200,250 | 6,667 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 6,870 |
| Cost of funding earning assets | 1.2098% | 2,509 |
| Net interest margin | 2.6358% | 7,092 |
| Noninterest income to average assets | 0.3528% | 5,070 |
| Noninterest expense to average assets | 2.9992% | 3,644 |
| Loan and lease loss provision to assets | 0.0032% | 6,203 |
| Net operating income to assets | -0.0866% | 6,334 |
| Return on assets (ROA) | -0.0866% | 6,390 |
| Pretax return on assets | -0.3432% | 6,557 |
| Return on Equity (ROE) | -0.3753% | 6,343 |
| Retained earnings to average equity (ytd only) | -0.3753% | 5,923 |
| Net charge-offs to loans | 1.3590% | 1,121 |
| Credit loss provision to net charge-offs | 0.6849% | 5,331 |
| Earnings coverage of net charge-offs (x) | -0.7260% | 5,581 |
| Efficiency ratio | 112.7865% | 429 |
| Assets per employee ($millions) | 5.7276% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,887 |
| Loan loss allowance to noncurrent loans | 11,700.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 2.0856% | 3,134 |
| Noncurrent loans to loans | 0.0095% | 6,983 |
| Net loans and leases to total assets | 32.8725% | 7,080 |
| Net loans and leases to deposits | 43.6251% | 6,931 |
| Net loans and leases to core deposits | 46.0767% | 6,934 |
| Total domestic deposits to total assets | 75.3524% | 6,688 |
| Equity capital to assets | 22.7827% | 158 |
| Core capital (leverage) ratio | 21.7836% | 164 |
| Tier 1 risk-based capital ratio | 49.2459% | 150 |
| Total risk-based capital ratio | 50.3268% | 152 |
| Memoranda: | ||
| Average total assets | $62,350,330 | 6,073 |
| Average earning assets | $54,556,330 | 6,127 |
| Average equity | $14,389,000 | 4,041 |
| Average total loans | $21,487,000 | 6,723 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 6,877 |
| Cost of funding earning assets | 1.2099% | 2,749 |
| Net interest margin | 2.6484% | 7,079 |
| Noninterest income to average assets | 0.3160% | 5,398 |
| Noninterest expense to average assets | 3.1601% | 3,025 |
| Loan and lease loss provision to assets | -0.6772% | 7,547 |
| Net operating income to assets | 0.4450% | 4,744 |
| Return on assets (ROA) | 0.4450% | 4,826 |
| Pretax return on assets | 0.1483% | 6,062 |
| Return on Equity (ROE) | 1.9158% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.9158% | 4,973 |
| Net charge-offs to loans | 1.4340% | 953 |
| Credit loss provision to net charge-offs | -134.6154% | 5,757 |
| Earnings coverage of net charge-offs (x) | -1.0513% | 4,898 |
| Efficiency ratio | 120.0980% | 343 |
| Assets per employee ($millions) | 5.7179% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 6,678 |
| Loan loss allowance to noncurrent loans | 362.9630% | 859 |
| Noncurrent assets plus other real estate owned to assets | 2.1718% | 3,102 |
| Noncurrent loans to loans | 0.2504% | 6,485 |
| Net loans and leases to total assets | 33.9746% | 7,095 |
| Net loans and leases to deposits | 45.1566% | 6,905 |
| Net loans and leases to core deposits | 47.6976% | 6,887 |
| Total domestic deposits to total assets | 75.2373% | 6,765 |
| Equity capital to assets | 22.9629% | 147 |
| Core capital (leverage) ratio | 21.9584% | 161 |
| Tier 1 risk-based capital ratio | 49.3296% | 147 |
| Total risk-based capital ratio | 50.2598% | 148 |
| Memoranda: | ||
| Average total assets | $62,023,500 | 6,122 |
| Average earning assets | $54,221,500 | 6,191 |
| Average equity | $14,406,500 | 4,023 |
| Average total loans | $21,758,000 | 6,755 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 6,985 |
| Cost of funding earning assets | 1.3959% | 3,298 |
| Net interest margin | 2.7570% | 7,077 |
| Noninterest income to average assets | 0.4939% | 4,213 |
| Noninterest expense to average assets | 2.8401% | 4,434 |
| Loan and lease loss provision to assets | -0.3472% | 7,640 |
| Net operating income to assets | 0.5040% | 4,080 |
| Return on assets (ROA) | 0.5040% | 4,241 |
| Pretax return on assets | 0.4079% | 4,919 |
| Return on Equity (ROE) | 2.1277% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.1277% | 4,397 |
| Net charge-offs to loans | -0.1238% | 7,513 |
| Credit loss provision to net charge-offs | 762.9630% | 284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9082% | 873 |
| Assets per employee ($millions) | 5.5591% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 4,650 |
| Loan loss allowance to noncurrent loans | 485.4839% | 659 |
| Noncurrent assets plus other real estate owned to assets | 2.3745% | 2,894 |
| Noncurrent loans to loans | 0.2824% | 6,492 |
| Net loans and leases to total assets | 35.4047% | 7,184 |
| Net loans and leases to deposits | 47.4718% | 6,974 |
| Net loans and leases to core deposits | 50.2402% | 6,968 |
| Total domestic deposits to total assets | 74.5805% | 6,819 |
| Equity capital to assets | 23.4996% | 147 |
| Core capital (leverage) ratio | 22.4783% | 160 |
| Tier 1 risk-based capital ratio | 49.1199% | 151 |
| Total risk-based capital ratio | 50.2146% | 153 |
| Memoranda: | ||
| Average total assets | $59,329,600 | 6,230 |
| Average earning assets | $51,796,200 | 6,298 |
| Average equity | $14,052,600 | 4,132 |
| Average total loans | $21,810,600 | 6,833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 7,095 |
| Cost of funding earning assets | 1.4179% | 3,469 |
| Net interest margin | 2.7762% | 7,158 |
| Noninterest income to average assets | 0.4937% | 4,237 |
| Noninterest expense to average assets | 2.8240% | 4,379 |
| Loan and lease loss provision to assets | 0.6160% | 2,476 |
| Net operating income to assets | -0.3601% | 6,475 |
| Return on assets (ROA) | -0.3601% | 6,522 |
| Pretax return on assets | -0.5209% | 6,570 |
| Return on Equity (ROE) | -1.5171% | 6,344 |
| Retained earnings to average equity (ytd only) | -1.5171% | 6,102 |
| Net charge-offs to loans | -0.1653% | 7,604 |
| Credit loss provision to net charge-offs | -1,007.4074% | 7,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7417% | 878 |
| Assets per employee ($millions) | 5.5091% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5590% | 517 |
| Loan loss allowance to noncurrent loans | 1,256.4516% | 295 |
| Noncurrent assets plus other real estate owned to assets | 2.3960% | 2,982 |
| Noncurrent loans to loans | 0.2833% | 6,623 |
| Net loans and leases to total assets | 34.8333% | 7,316 |
| Net loans and leases to deposits | 46.4874% | 7,149 |
| Net loans and leases to core deposits | 50.0415% | 7,122 |
| Total domestic deposits to total assets | 74.9307% | 6,808 |
| Equity capital to assets | 23.0512% | 162 |
| Core capital (leverage) ratio | 21.9280% | 179 |
| Tier 1 risk-based capital ratio | 47.3189% | 164 |
| Total risk-based capital ratio | 48.8074% | 161 |
| Memoranda: | ||
| Average total assets | $58,874,500 | 6,307 |
| Average earning assets | $51,435,500 | 6,388 |
| Average equity | $13,973,250 | 4,205 |
| Average total loans | $21,775,500 | 6,926 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 7,082 |
| Cost of funding earning assets | 1.4433% | 3,597 |
| Net interest margin | 2.8355% | 7,096 |
| Noninterest income to average assets | 0.4323% | 4,664 |
| Noninterest expense to average assets | 2.8199% | 4,393 |
| Loan and lease loss provision to assets | 0.4940% | 2,825 |
| Net operating income to assets | -0.4014% | 6,571 |
| Return on assets (ROA) | -0.4014% | 6,608 |
| Pretax return on assets | -0.4014% | 6,510 |
| Return on Equity (ROE) | -1.6745% | 6,393 |
| Retained earnings to average equity (ytd only) | -1.6745% | 6,094 |
| Net charge-offs to loans | -0.2484% | 7,667 |
| Credit loss provision to net charge-offs | -533.3333% | 6,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8198% | 923 |
| Assets per employee ($millions) | 5.3236% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0172% | 806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3736% | 3,038 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 35.5686% | 7,369 |
| Net loans and leases to deposits | 47.8267% | 7,171 |
| Net loans and leases to core deposits | 50.4175% | 7,195 |
| Total domestic deposits to total assets | 74.3699% | 6,933 |
| Equity capital to assets | 23.7927% | 153 |
| Core capital (leverage) ratio | 22.7377% | 158 |
| Tier 1 risk-based capital ratio | 48.4697% | 165 |
| Total risk-based capital ratio | 49.9481% | 163 |
| Memoranda: | ||
| Average total assets | $58,299,330 | 6,378 |
| Average earning assets | $50,995,670 | 6,443 |
| Average equity | $13,974,670 | 4,207 |
| Average total loans | $21,738,000 | 6,980 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 7,218 |
| Cost of funding earning assets | 1.4608% | 3,801 |
| Net interest margin | 2.7810% | 7,208 |
| Noninterest income to average assets | 0.4401% | 4,561 |
| Noninterest expense to average assets | 2.8469% | 4,293 |
| Loan and lease loss provision to assets | 0.3163% | 3,521 |
| Net operating income to assets | -0.0756% | 6,409 |
| Return on assets (ROA) | -0.0756% | 6,483 |
| Pretax return on assets | -0.2751% | 6,612 |
| Return on Equity (ROE) | -0.3144% | 6,447 |
| Retained earnings to average equity (ytd only) | -0.3144% | 5,902 |
| Net charge-offs to loans | -0.4939% | 7,796 |
| Credit loss provision to net charge-offs | -170.3704% | 6,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5714% | 896 |
| Assets per employee ($millions) | 5.3144% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5787% | 1,207 |
| Loan loss allowance to noncurrent loans | 89.3031% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 2.6327% | 2,766 |
| Noncurrent loans to loans | 2.8876% | 2,794 |
| Net loans and leases to total assets | 35.6085% | 7,438 |
| Net loans and leases to deposits | 47.9609% | 7,237 |
| Net loans and leases to core deposits | 50.5721% | 7,262 |
| Total domestic deposits to total assets | 74.2448% | 7,014 |
| Equity capital to assets | 23.9745% | 165 |
| Core capital (leverage) ratio | 22.9426% | 167 |
| Tier 1 risk-based capital ratio | 48.3387% | 165 |
| Total risk-based capital ratio | 49.7506% | 165 |
| Memoranda: | ||
| Average total assets | $58,169,000 | 6,464 |
| Average earning assets | $51,205,500 | 6,505 |
| Average equity | $13,995,500 | 4,245 |
| Average total loans | $21,868,500 | 7,053 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 7,301 |
| Cost of funding earning assets | 1.6784% | 4,622 |
| Net interest margin | 2.9048% | 6,860 |
| Noninterest income to average assets | 0.3104% | 5,860 |
| Noninterest expense to average assets | 2.8873% | 4,575 |
| Loan and lease loss provision to assets | 1.8061% | 1,249 |
| Net operating income to assets | -1.2716% | 6,749 |
| Return on assets (ROA) | -2.5927% | 7,294 |
| Pretax return on assets | -3.6704% | 7,461 |
| Return on Equity (ROE) | -10.1452% | 6,640 |
| Retained earnings to average equity (ytd only) | -10.1452% | 6,536 |
| Net charge-offs to loans | 2.9961% | 710 |
| Credit loss provision to net charge-offs | 142.6184% | 3,383 |
| Earnings coverage of net charge-offs (x) | -0.0028% | 6,202 |
| Efficiency ratio | 100.1223% | 1,095 |
| Assets per employee ($millions) | 5.2618% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1323% | 1,769 |
| Loan loss allowance to noncurrent loans | 54.8907% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.5014% | 4,132 |
| Noncurrent loans to loans | 3.8847% | 1,910 |
| Net loans and leases to total assets | 37.8248% | 7,453 |
| Net loans and leases to deposits | 51.1196% | 7,199 |
| Net loans and leases to core deposits | 56.5769% | 7,385 |
| Total domestic deposits to total assets | 73.9927% | 7,015 |
| Equity capital to assets | 24.1465% | 180 |
| Core capital (leverage) ratio | 23.1630% | 190 |
| Tier 1 risk-based capital ratio | 48.2569% | 169 |
| Total risk-based capital ratio | 49.6616% | 170 |
| Memoranda: | ||
| Average total assets | $56,697,200 | 6,466 |
| Average earning assets | $50,226,600 | 6,523 |
| Average equity | $14,489,600 | 4,150 |
| Average total loans | $23,964,400 | 6,975 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 7,279 |
| Cost of funding earning assets | 1.7223% | 4,789 |
| Net interest margin | 2.9826% | 6,647 |
| Noninterest income to average assets | 0.2837% | 6,203 |
| Noninterest expense to average assets | 2.7965% | 4,912 |
| Loan and lease loss provision to assets | 1.0661% | 1,823 |
| Net operating income to assets | -0.6255% | 6,546 |
| Return on assets (ROA) | -2.3214% | 7,407 |
| Pretax return on assets | -3.4324% | 7,601 |
| Return on Equity (ROE) | -8.9568% | 6,808 |
| Retained earnings to average equity (ytd only) | -8.9568% | 6,699 |
| Net charge-offs to loans | 2.7527% | 647 |
| Credit loss provision to net charge-offs | 89.6620% | 5,492 |
| Earnings coverage of net charge-offs (x) | 0.1074% | 5,928 |
| Efficiency ratio | 95.6346% | 1,296 |
| Assets per employee ($millions) | 5.1988% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 7,694 |
| Loan loss allowance to noncurrent loans | 7.0833% | 7,491 |
| Noncurrent assets plus other real estate owned to assets | 2.9377% | 2,357 |
| Noncurrent loans to loans | 7.2712% | 722 |
| Net loans and leases to total assets | 40.1944% | 7,458 |
| Net loans and leases to deposits | 55.3293% | 7,133 |
| Net loans and leases to core deposits | 57.8614% | 7,473 |
| Total domestic deposits to total assets | 72.6459% | 7,129 |
| Equity capital to assets | 25.3169% | 168 |
| Core capital (leverage) ratio | 24.3136% | 182 |
| Tier 1 risk-based capital ratio | 49.6694% | 171 |
| Total risk-based capital ratio | 50.2543% | 173 |
| Memoranda: | ||
| Average total assets | $56,401,500 | 6,527 |
| Average earning assets | $49,933,000 | 6,578 |
| Average equity | $14,618,000 | 4,163 |
| Average total loans | $24,363,000 | 7,009 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 6,953 |
| Cost of funding earning assets | 1.7756% | 4,880 |
| Net interest margin | 3.1598% | 6,058 |
| Noninterest income to average assets | 0.3171% | 5,970 |
| Noninterest expense to average assets | 2.7467% | 5,192 |
| Loan and lease loss provision to assets | 0.0463% | 6,766 |
| Net operating income to assets | 0.2608% | 5,049 |
| Return on assets (ROA) | -2.1447% | 7,461 |
| Pretax return on assets | -3.4450% | 7,669 |
| Return on Equity (ROE) | -8.2102% | 6,907 |
| Retained earnings to average equity (ytd only) | -8.2102% | 6,693 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4174% | 1,959 |
| Assets per employee ($millions) | 5.2391% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 7,263 |
| Loan loss allowance to noncurrent loans | 145.6693% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 6,443 |
| Noncurrent loans to loans | 0.5244% | 6,221 |
| Net loans and leases to total assets | 41.6988% | 7,467 |
| Net loans and leases to deposits | 57.2507% | 7,076 |
| Net loans and leases to core deposits | 60.2764% | 7,444 |
| Total domestic deposits to total assets | 72.8353% | 7,133 |
| Equity capital to assets | 25.5718% | 190 |
| Core capital (leverage) ratio | 24.7128% | 215 |
| Tier 1 risk-based capital ratio | 50.9615% | 181 |
| Total risk-based capital ratio | 51.6327% | 181 |
| Memoranda: | ||
| Average total assets | $56,139,670 | 6,586 |
| Average earning assets | $49,560,000 | 6,650 |
| Average equity | $14,664,670 | 4,169 |
| Average total loans | $24,782,330 | 7,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 6,357 |
| Cost of funding earning assets | 1.8406% | 4,917 |
| Net interest margin | 3.3443% | 5,347 |
| Noninterest income to average assets | 0.2455% | 6,493 |
| Noninterest expense to average assets | 2.6356% | 5,295 |
| Loan and lease loss provision to assets | 0.0361% | 6,493 |
| Net operating income to assets | 0.4405% | 4,694 |
| Return on assets (ROA) | 0.4405% | 4,866 |
| Pretax return on assets | 0.5127% | 5,049 |
| Return on Equity (ROE) | 1.6680% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.6680% | 4,912 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7664% | 2,442 |
| Assets per employee ($millions) | 5.0755% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 7,384 |
| Loan loss allowance to noncurrent loans | 94.1489% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 6,506 |
| Noncurrent loans to loans | 0.7641% | 5,522 |
| Net loans and leases to total assets | 43.7525% | 7,363 |
| Net loans and leases to deposits | 60.5273% | 6,850 |
| Net loans and leases to core deposits | 64.9965% | 7,276 |
| Total domestic deposits to total assets | 72.2855% | 7,165 |
| Equity capital to assets | 26.3156% | 195 |
| Core capital (leverage) ratio | 26.1800% | 207 |
| Tier 1 risk-based capital ratio | 58.7361% | 145 |
| Total risk-based capital ratio | 59.4432% | 145 |
| Memoranda: | ||
| Average total assets | $55,394,500 | 6,652 |
| Average earning assets | $48,680,500 | 6,720 |
| Average equity | $14,628,500 | 4,206 |
| Average total loans | $25,065,500 | 7,061 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 7,460 |
| Cost of funding earning assets | 2.1359% | 5,900 |
| Net interest margin | 3.2626% | 6,174 |
| Noninterest income to average assets | 0.4450% | 5,076 |
| Noninterest expense to average assets | 2.8542% | 4,588 |
| Loan and lease loss provision to assets | 1.3294% | 1,066 |
| Net operating income to assets | -0.3883% | 6,807 |
| Return on assets (ROA) | -0.4034% | 6,704 |
| Pretax return on assets | -0.8447% | 6,910 |
| Return on Equity (ROE) | -1.4676% | 6,430 |
| Retained earnings to average equity (ytd only) | -1.4676% | 5,728 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8843% | 1,965 |
| Assets per employee ($millions) | 4.9963% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 7,485 |
| Loan loss allowance to noncurrent loans | 339.2157% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 7,206 |
| Noncurrent loans to loans | 0.1998% | 6,788 |
| Net loans and leases to total assets | 46.1326% | 7,318 |
| Net loans and leases to deposits | 64.2394% | 6,771 |
| Net loans and leases to core deposits | 68.7473% | 7,257 |
| Total domestic deposits to total assets | 71.8135% | 7,034 |
| Equity capital to assets | 26.5016% | 232 |
| Core capital (leverage) ratio | 26.4332% | 235 |
| Tier 1 risk-based capital ratio | 55.5876% | 175 |
| Total risk-based capital ratio | 56.2443% | 175 |
| Memoranda: | ||
| Average total assets | $55,286,800 | 6,562 |
| Average earning assets | $49,439,800 | 6,619 |
| Average equity | $15,194,600 | 4,101 |
| Average total loans | $25,373,000 | 7,001 |