Home > Investment Savings Bank > Performance and Condition Ratios
Investment 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 | 3.5515% | 4,379 |
| Cost of funding earning assets | 1.1705% | 2,887 |
| Net interest margin | 2.3811% | 4,203 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.9708% | 3,699 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.2921% | 4,040 |
| Return on assets (ROA) | 0.2921% | 4,037 |
| Pretax return on assets | 0.3629% | 4,017 |
| Return on Equity (ROE) | 1.5600% | 4,203 |
| Retained earnings to average equity (ytd only) | 1.5562% | 3,696 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.3885% | 502 |
| Assets per employee ($millions) | 7.9301% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 3,820 |
| Loan loss allowance to noncurrent loans | 360.1770% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,811 |
| Noncurrent loans to loans | 0.2396% | 2,352 |
| Net loans and leases to total assets | 45.3500% | 3,846 |
| Net loans and leases to deposits | 63.7413% | 3,303 |
| Net loans and leases to core deposits | 67.4024% | 3,437 |
| Total domestic deposits to total assets | 71.1500% | 4,255 |
| Equity capital to assets | 19.4857% | 298 |
| Core capital (leverage) ratio | 22.3419% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $104,426,000 | 3,791 |
| Average earning assets | $92,185,400 | 3,818 |
| Average equity | $19,598,600 | 2,894 |
| Average total loans | $46,648,800 | 3,891 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5079% | 4,380 |
| Cost of funding earning assets | 1.0862% | 2,784 |
| Net interest margin | 2.4217% | 4,207 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.9536% | 3,704 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 0.3487% | 4,053 |
| Return on assets (ROA) | 0.3487% | 4,057 |
| Pretax return on assets | 0.4353% | 4,009 |
| Return on Equity (ROE) | 1.8800% | 4,208 |
| Retained earnings to average equity (ytd only) | 1.8757% | 3,749 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.5153% | 532 |
| Assets per employee ($millions) | 7.3124% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 3,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.8600% | 3,879 |
| Net loans and leases to deposits | 61.1568% | 3,449 |
| Net loans and leases to core deposits | 63.8728% | 3,533 |
| Total domestic deposits to total assets | 73.3500% | 4,204 |
| Equity capital to assets | 18.7969% | 318 |
| Core capital (leverage) ratio | 22.1527% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $104,759,750 | 3,796 |
| Average earning assets | $92,551,500 | 3,831 |
| Average equity | $19,476,250 | 2,893 |
| Average total loans | $46,521,000 | 3,900 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 4,382 |
| Cost of funding earning assets | 0.9855% | 2,650 |
| Net interest margin | 2.4722% | 4,232 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.8910% | 3,839 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.3714% | 4,049 |
| Return on assets (ROA) | 0.3714% | 4,067 |
| Pretax return on assets | 0.4528% | 4,041 |
| Return on Equity (ROE) | 2.0000% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.0047% | 3,726 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.9408% | 782 |
| Assets per employee ($millions) | 6.8904% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,230 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.4700% | 3,860 |
| Net loans and leases to deposits | 59.8549% | 3,429 |
| Net loans and leases to core deposits | 62.4399% | 3,518 |
| Total domestic deposits to total assets | 74.3000% | 4,174 |
| Equity capital to assets | 18.8252% | 310 |
| Core capital (leverage) ratio | 21.6315% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $105,555,333 | 3,808 |
| Average earning assets | $93,357,333 | 3,841 |
| Average equity | $19,554,000 | 2,903 |
| Average total loans | $46,585,000 | 3,913 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 4,379 |
| Cost of funding earning assets | 0.8253% | 2,628 |
| Net interest margin | 2.5649% | 4,242 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7552% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5213% | 3,843 |
| Return on assets (ROA) | 0.5213% | 3,802 |
| Pretax return on assets | 0.6638% | 3,734 |
| Return on Equity (ROE) | 2.8400% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.8364% | 3,540 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.5581% | 1,489 |
| Assets per employee ($millions) | 7.5445% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 43.7400% | 3,878 |
| Net loans and leases to deposits | 57.0592% | 3,506 |
| Net loans and leases to core deposits | 59.3812% | 3,571 |
| Total domestic deposits to total assets | 76.6500% | 4,110 |
| Equity capital to assets | 18.7667% | 274 |
| Core capital (leverage) ratio | 21.2682% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $106,655,000 | 3,852 |
| Average earning assets | $94,507,500 | 3,876 |
| Average equity | $19,602,500 | 2,925 |
| Average total loans | $46,654,000 | 3,952 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8333% | 4,294 |
| Cost of funding earning assets | 0.3865% | 2,205 |
| Net interest margin | 2.4468% | 4,325 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.0879% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1902% | 4,455 |
| Return on assets (ROA) | 0.1902% | 4,438 |
| Pretax return on assets | 0.2277% | 4,422 |
| Return on Equity (ROE) | 1.0000% | 4,487 |
| Retained earnings to average equity (ytd only) | 0.9990% | 4,201 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.1659% | 297 |
| Assets per employee ($millions) | 7.1791% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 4,003 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.9400% | 3,931 |
| Net loans and leases to deposits | 56.4009% | 3,553 |
| Net loans and leases to core deposits | 58.1631% | 3,603 |
| Total domestic deposits to total assets | 76.1400% | 4,245 |
| Equity capital to assets | 17.9994% | 290 |
| Core capital (leverage) ratio | 21.3816% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $106,709,000 | 3,871 |
| Average earning assets | $94,694,600 | 3,890 |
| Average equity | $20,320,000 | 2,928 |
| Average total loans | $44,824,400 | 3,980 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7071% | 4,291 |
| Cost of funding earning assets | 0.3132% | 2,031 |
| Net interest margin | 2.3940% | 4,331 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.0927% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1540% | 4,506 |
| Return on assets (ROA) | 0.1540% | 4,476 |
| Pretax return on assets | 0.1753% | 4,479 |
| Return on Equity (ROE) | 0.8000% | 4,513 |
| Retained earnings to average equity (ytd only) | 0.7979% | 4,247 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.2695% | 270 |
| Assets per employee ($millions) | 8.1009% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 4,004 |
| Loan loss allowance to noncurrent loans | 268.7943% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,673 |
| Noncurrent loans to loans | 0.3134% | 2,124 |
| Net loans and leases to total assets | 42.3600% | 3,970 |
| Net loans and leases to deposits | 54.2717% | 3,586 |
| Net loans and leases to core deposits | 55.9932% | 3,628 |
| Total domestic deposits to total assets | 78.0500% | 4,252 |
| Equity capital to assets | 18.2135% | 261 |
| Core capital (leverage) ratio | 21.0513% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $106,464,500 | 3,892 |
| Average earning assets | $94,513,000 | 3,915 |
| Average equity | $20,554,250 | 2,944 |
| Average total loans | $44,375,250 | 4,010 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5919% | 4,281 |
| Cost of funding earning assets | 0.2737% | 1,975 |
| Net interest margin | 2.3182% | 4,321 |
| Noninterest income to average assets | 0.1441% | 4,298 |
| Noninterest expense to average assets | 2.0852% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1123% | 4,504 |
| Return on assets (ROA) | 0.1123% | 4,470 |
| Pretax return on assets | 0.1198% | 4,474 |
| Return on Equity (ROE) | 0.5711% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.5711% | 4,079 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5671% | 279 |
| Assets per employee ($millions) | 7.0086% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 4,082 |
| Loan loss allowance to noncurrent loans | 574.2424% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,351 |
| Noncurrent loans to loans | 0.1484% | 2,956 |
| Net loans and leases to total assets | 41.9561% | 3,976 |
| Net loans and leases to deposits | 52.7885% | 3,625 |
| Net loans and leases to core deposits | 54.4295% | 3,672 |
| Total domestic deposits to total assets | 79.4795% | 4,268 |
| Equity capital to assets | 19.0813% | 188 |
| Core capital (leverage) ratio | 20.9817% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,848,667 | 3,930 |
| Average earning assets | $94,989,333 | 3,959 |
| Average equity | $21,012,000 | 2,974 |
| Average total loans | $44,171,667 | 4,069 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5146% | 4,248 |
| Cost of funding earning assets | 0.2752% | 1,875 |
| Net interest margin | 2.2394% | 4,303 |
| Noninterest income to average assets | 0.1300% | 4,362 |
| Noninterest expense to average assets | 2.1205% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0297% | 4,528 |
| Return on assets (ROA) | 0.0297% | 4,508 |
| Pretax return on assets | 0.0037% | 4,518 |
| Return on Equity (ROE) | 0.1489% | 4,517 |
| Retained earnings to average equity (ytd only) | 0.1489% | 3,986 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8252% | 246 |
| Assets per employee ($millions) | 7.6032% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 4,117 |
| Loan loss allowance to noncurrent loans | 574.2424% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,440 |
| Noncurrent loans to loans | 0.1512% | 3,049 |
| Net loans and leases to total assets | 40.6586% | 3,968 |
| Net loans and leases to deposits | 51.1887% | 3,632 |
| Net loans and leases to core deposits | 52.9439% | 3,667 |
| Total domestic deposits to total assets | 79.4288% | 4,319 |
| Equity capital to assets | 19.5791% | 174 |
| Core capital (leverage) ratio | 20.7111% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,708,500 | 3,937 |
| Average earning assets | $95,918,000 | 3,969 |
| Average equity | $21,488,000 | 3,019 |
| Average total loans | $44,014,000 | 4,077 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6031% | 4,406 |
| Cost of funding earning assets | 0.3517% | 1,923 |
| Net interest margin | 2.2513% | 4,456 |
| Noninterest income to average assets | 0.1370% | 4,463 |
| Noninterest expense to average assets | 2.0133% | 3,640 |
| Loan and lease loss provision to assets | 0.0064% | 2,946 |
| Net operating income to assets | 0.2059% | 4,529 |
| Return on assets (ROA) | 0.2059% | 4,547 |
| Pretax return on assets | 0.1296% | 4,619 |
| Return on Equity (ROE) | 1.0000% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.0000% | 4,259 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6698% | 238 |
| Assets per employee ($millions) | 7.7837% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,895.0000% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,955 |
| Noncurrent loans to loans | 0.0451% | 3,753 |
| Net loans and leases to total assets | 40.3691% | 4,073 |
| Net loans and leases to deposits | 51.7626% | 3,752 |
| Net loans and leases to core deposits | 53.7026% | 3,773 |
| Total domestic deposits to total assets | 77.9888% | 4,391 |
| Equity capital to assets | 20.3126% | 173 |
| Core capital (leverage) ratio | 20.5090% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,776,000 | 3,907 |
| Average earning assets | $97,231,800 | 3,936 |
| Average equity | $22,400,200 | 3,025 |
| Average total loans | $45,372,000 | 4,080 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6299% | 4,477 |
| Cost of funding earning assets | 0.3688% | 1,947 |
| Net interest margin | 2.2611% | 4,518 |
| Noninterest income to average assets | 0.1337% | 4,531 |
| Noninterest expense to average assets | 2.0160% | 3,617 |
| Loan and lease loss provision to assets | 0.0083% | 2,817 |
| Net operating income to assets | 0.2293% | 4,601 |
| Return on assets (ROA) | 0.2293% | 4,624 |
| Pretax return on assets | 0.1312% | 4,701 |
| Return on Equity (ROE) | 1.1098% | 4,685 |
| Retained earnings to average equity (ytd only) | 1.1098% | 4,393 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5154% | 238 |
| Assets per employee ($millions) | 7.7657% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 41.6004% | 4,117 |
| Net loans and leases to deposits | 53.1894% | 3,802 |
| Net loans and leases to core deposits | 55.3946% | 3,820 |
| Total domestic deposits to total assets | 78.2119% | 4,399 |
| Equity capital to assets | 20.6347% | 167 |
| Core capital (leverage) ratio | 20.0727% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,727,000 | 3,955 |
| Average earning assets | $97,238,000 | 3,986 |
| Average equity | $22,466,500 | 3,058 |
| Average total loans | $45,622,500 | 4,132 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6829% | 4,476 |
| Cost of funding earning assets | 0.3868% | 1,995 |
| Net interest margin | 2.2961% | 4,525 |
| Noninterest income to average assets | 0.1288% | 4,560 |
| Noninterest expense to average assets | 1.9553% | 3,825 |
| Loan and lease loss provision to assets | 0.0037% | 2,808 |
| Net operating income to assets | 0.2042% | 4,628 |
| Return on assets (ROA) | 0.2042% | 4,644 |
| Pretax return on assets | 0.2226% | 4,659 |
| Return on Equity (ROE) | 0.9877% | 4,702 |
| Retained earnings to average equity (ytd only) | 0.9877% | 4,342 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6290% | 354 |
| Assets per employee ($millions) | 7.2706% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 4,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.0484% | 4,234 |
| Net loans and leases to deposits | 52.7595% | 3,949 |
| Net loans and leases to core deposits | 55.2556% | 3,947 |
| Total domestic deposits to total assets | 77.8028% | 4,452 |
| Equity capital to assets | 20.5705% | 169 |
| Core capital (leverage) ratio | 20.1347% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,729,333 | 3,974 |
| Average earning assets | $97,209,667 | 4,000 |
| Average equity | $22,477,333 | 3,052 |
| Average total loans | $45,627,667 | 4,162 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7396% | 4,442 |
| Cost of funding earning assets | 0.4167% | 1,958 |
| Net interest margin | 2.3229% | 4,503 |
| Noninterest income to average assets | 0.1290% | 4,556 |
| Noninterest expense to average assets | 1.9675% | 3,813 |
| Loan and lease loss provision to assets | 0.0074% | 2,672 |
| Net operating income to assets | 0.2026% | 4,635 |
| Return on assets (ROA) | 0.2026% | 4,659 |
| Pretax return on assets | 0.2284% | 4,662 |
| Return on Equity (ROE) | 0.9778% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.9778% | 4,221 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2977% | 397 |
| Assets per employee ($millions) | 7.3203% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 4,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,399 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.0009% | 4,291 |
| Net loans and leases to deposits | 52.6241% | 4,019 |
| Net loans and leases to core deposits | 55.4091% | 4,015 |
| Total domestic deposits to total assets | 77.9127% | 4,447 |
| Equity capital to assets | 20.4335% | 168 |
| Core capital (leverage) ratio | 20.4282% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,564,500 | 3,985 |
| Average earning assets | $96,948,000 | 4,011 |
| Average equity | $22,499,000 | 3,040 |
| Average total loans | $45,871,000 | 4,170 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 4,526 |
| Cost of funding earning assets | 0.6372% | 2,073 |
| Net interest margin | 2.4962% | 4,598 |
| Noninterest income to average assets | 0.1528% | 4,529 |
| Noninterest expense to average assets | 2.1034% | 3,929 |
| Loan and lease loss provision to assets | 0.1976% | 1,975 |
| Net operating income to assets | 0.1241% | 4,653 |
| Return on assets (ROA) | 0.1241% | 4,690 |
| Pretax return on assets | 0.1069% | 4,702 |
| Return on Equity (ROE) | 0.5809% | 4,718 |
| Retained earnings to average equity (ytd only) | 0.5809% | 4,348 |
| Net charge-offs to loans | 0.3382% | 519 |
| Credit loss provision to net charge-offs | 128.5714% | 2,560 |
| Earnings coverage of net charge-offs (x) | 1.9814% | 3,213 |
| Efficiency ratio | 87.3513% | 473 |
| Assets per employee ($millions) | 7.1549% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 4,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,475 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 42.8376% | 4,308 |
| Net loans and leases to deposits | 55.7902% | 4,014 |
| Net loans and leases to core deposits | 59.1045% | 3,998 |
| Total domestic deposits to total assets | 76.7834% | 4,439 |
| Equity capital to assets | 21.0214% | 165 |
| Core capital (leverage) ratio | 20.5856% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,735,600 | 3,934 |
| Average earning assets | $94,625,600 | 3,963 |
| Average equity | $22,377,400 | 2,978 |
| Average total loans | $47,601,000 | 4,153 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2345% | 4,551 |
| Cost of funding earning assets | 0.6769% | 2,160 |
| Net interest margin | 2.5576% | 4,613 |
| Noninterest income to average assets | 0.1460% | 4,575 |
| Noninterest expense to average assets | 2.1532% | 3,808 |
| Loan and lease loss provision to assets | 0.0125% | 4,151 |
| Net operating income to assets | 0.2613% | 4,507 |
| Return on assets (ROA) | 0.2613% | 4,550 |
| Pretax return on assets | 0.2985% | 4,548 |
| Return on Equity (ROE) | 1.2180% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.2180% | 4,175 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3701% | 444 |
| Assets per employee ($millions) | 7.6294% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,562 |
| Loan loss allowance to noncurrent loans | 167.5000% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 3,497 |
| Noncurrent loans to loans | 0.4245% | 2,785 |
| Net loans and leases to total assets | 43.7938% | 4,426 |
| Net loans and leases to deposits | 57.6313% | 4,181 |
| Net loans and leases to core deposits | 60.2284% | 4,189 |
| Total domestic deposits to total assets | 75.9896% | 4,424 |
| Equity capital to assets | 21.2841% | 165 |
| Core capital (leverage) ratio | 20.5748% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,088,500 | 3,938 |
| Average earning assets | $94,355,250 | 3,964 |
| Average equity | $22,331,500 | 2,984 |
| Average total loans | $47,914,500 | 4,168 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 4,647 |
| Cost of funding earning assets | 0.7137% | 2,311 |
| Net interest margin | 2.5887% | 4,665 |
| Noninterest income to average assets | 0.1454% | 4,579 |
| Noninterest expense to average assets | 2.1690% | 3,880 |
| Loan and lease loss provision to assets | 0.0097% | 4,086 |
| Net operating income to assets | 0.2869% | 4,443 |
| Return on assets (ROA) | 0.2869% | 4,480 |
| Pretax return on assets | 0.3218% | 4,512 |
| Return on Equity (ROE) | 1.3335% | 4,646 |
| Retained earnings to average equity (ytd only) | 1.3335% | 3,996 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7442% | 507 |
| Assets per employee ($millions) | 6.6251% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 4,591 |
| Loan loss allowance to noncurrent loans | 124.0602% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 3,299 |
| Noncurrent loans to loans | 0.5548% | 2,502 |
| Net loans and leases to total assets | 44.9209% | 4,409 |
| Net loans and leases to deposits | 59.7266% | 4,132 |
| Net loans and leases to core deposits | 62.2591% | 4,166 |
| Total domestic deposits to total assets | 75.2108% | 4,497 |
| Equity capital to assets | 21.4241% | 163 |
| Core capital (leverage) ratio | 20.9899% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3592% | 136 |
| Memoranda: | ||
| Average total assets | $103,180,667 | 3,952 |
| Average earning assets | $93,870,667 | 3,973 |
| Average equity | $22,197,333 | 2,988 |
| Average total loans | $48,182,000 | 4,174 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4672% | 4,662 |
| Cost of funding earning assets | 0.7556% | 2,634 |
| Net interest margin | 2.7116% | 4,660 |
| Noninterest income to average assets | 0.1533% | 4,607 |
| Noninterest expense to average assets | 2.2207% | 3,957 |
| Loan and lease loss provision to assets | 0.0118% | 3,628 |
| Net operating income to assets | 0.3302% | 4,282 |
| Return on assets (ROA) | 0.3302% | 4,314 |
| Pretax return on assets | 0.3891% | 4,310 |
| Return on Equity (ROE) | 1.5314% | 4,539 |
| Retained earnings to average equity (ytd only) | 1.5314% | 3,592 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7076% | 785 |
| Assets per employee ($millions) | 6.3673% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 4,643 |
| Loan loss allowance to noncurrent loans | 122.8464% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,399 |
| Noncurrent loans to loans | 0.5558% | 2,610 |
| Net loans and leases to total assets | 46.8354% | 4,389 |
| Net loans and leases to deposits | 62.3549% | 4,081 |
| Net loans and leases to core deposits | 65.5556% | 4,109 |
| Total domestic deposits to total assets | 75.1109% | 4,578 |
| Equity capital to assets | 21.4025% | 191 |
| Core capital (leverage) ratio | 21.5578% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,770,000 | 3,965 |
| Average earning assets | $92,640,000 | 3,992 |
| Average equity | $21,941,000 | 2,998 |
| Average total loans | $48,299,500 | 4,185 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,744 |
| Cost of funding earning assets | 0.7882% | 2,735 |
| Net interest margin | 2.8417% | 4,719 |
| Noninterest income to average assets | 0.2173% | 4,363 |
| Noninterest expense to average assets | 2.4071% | 3,673 |
| Loan and lease loss provision to assets | 0.0185% | 3,639 |
| Net operating income to assets | 0.3372% | 4,701 |
| Return on assets (ROA) | 0.3372% | 4,727 |
| Pretax return on assets | 0.3918% | 4,724 |
| Return on Equity (ROE) | 1.5939% | 4,846 |
| Retained earnings to average equity (ytd only) | 1.5939% | 4,167 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4376% | 570 |
| Assets per employee ($millions) | 6.7776% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 4,622 |
| Loan loss allowance to noncurrent loans | 111.2628% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 3,269 |
| Noncurrent loans to loans | 0.6034% | 2,373 |
| Net loans and leases to total assets | 47.4416% | 4,451 |
| Net loans and leases to deposits | 63.3568% | 4,115 |
| Net loans and leases to core deposits | 67.3504% | 4,119 |
| Total domestic deposits to total assets | 74.8800% | 4,712 |
| Equity capital to assets | 21.7166% | 189 |
| Core capital (leverage) ratio | 21.3984% | 186 |
| Tier 1 risk-based capital ratio | 40.9607% | 230 |
| Total risk-based capital ratio | 41.5712% | 234 |
| Memoranda: | ||
| Average total assets | $102,614,400 | 3,959 |
| Average earning assets | $93,886,600 | 3,973 |
| Average equity | $21,707,800 | 2,984 |
| Average total loans | $48,898,600 | 4,207 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 4,815 |
| Cost of funding earning assets | 0.7890% | 2,771 |
| Net interest margin | 2.8771% | 4,782 |
| Noninterest income to average assets | 0.1646% | 4,729 |
| Noninterest expense to average assets | 2.3982% | 3,686 |
| Loan and lease loss provision to assets | 0.0194% | 3,518 |
| Net operating income to assets | 0.3332% | 4,803 |
| Return on assets (ROA) | 0.3332% | 4,827 |
| Pretax return on assets | 0.3798% | 4,828 |
| Return on Equity (ROE) | 1.5853% | 4,955 |
| Retained earnings to average equity (ytd only) | 1.5853% | 4,403 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7275% | 515 |
| Assets per employee ($millions) | 5.6390% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 4,707 |
| Loan loss allowance to noncurrent loans | 145.0450% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 3,690 |
| Noncurrent loans to loans | 0.4587% | 2,929 |
| Net loans and leases to total assets | 47.3626% | 4,528 |
| Net loans and leases to deposits | 64.0338% | 4,170 |
| Net loans and leases to core deposits | 68.5020% | 4,136 |
| Total domestic deposits to total assets | 73.9650% | 4,817 |
| Equity capital to assets | 21.7631% | 189 |
| Core capital (leverage) ratio | 21.0945% | 201 |
| Tier 1 risk-based capital ratio | 43.1939% | 196 |
| Total risk-based capital ratio | 43.8323% | 201 |
| Memoranda: | ||
| Average total assets | $102,852,000 | 3,997 |
| Average earning assets | $94,121,000 | 4,010 |
| Average equity | $21,615,250 | 3,012 |
| Average total loans | $48,984,000 | 4,255 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 4,852 |
| Cost of funding earning assets | 0.7662% | 2,819 |
| Net interest margin | 2.9146% | 4,809 |
| Noninterest income to average assets | 0.1626% | 4,779 |
| Noninterest expense to average assets | 2.3620% | 3,844 |
| Loan and lease loss provision to assets | 0.0213% | 3,373 |
| Net operating income to assets | 0.3892% | 4,751 |
| Return on assets (ROA) | 0.3892% | 4,771 |
| Pretax return on assets | 0.4453% | 4,768 |
| Return on Equity (ROE) | 1.8735% | 4,955 |
| Retained earnings to average equity (ytd only) | 1.8735% | 4,151 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5044% | 692 |
| Assets per employee ($millions) | 6.0936% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,810 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 46.9645% | 4,604 |
| Net loans and leases to deposits | 63.7661% | 4,236 |
| Net loans and leases to core deposits | 68.8464% | 4,163 |
| Total domestic deposits to total assets | 73.6512% | 4,857 |
| Equity capital to assets | 21.1737% | 204 |
| Core capital (leverage) ratio | 21.0724% | 191 |
| Tier 1 risk-based capital ratio | 38.8694% | 255 |
| Total risk-based capital ratio | 39.4383% | 262 |
| Memoranda: | ||
| Average total assets | $103,302,000 | 4,012 |
| Average earning assets | $94,490,670 | 4,027 |
| Average equity | $21,457,000 | 3,022 |
| Average total loans | $49,180,000 | 4,278 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 4,880 |
| Cost of funding earning assets | 0.7257% | 2,914 |
| Net interest margin | 2.9496% | 4,821 |
| Noninterest income to average assets | 0.1629% | 4,765 |
| Noninterest expense to average assets | 2.3692% | 3,845 |
| Loan and lease loss provision to assets | 0.0194% | 3,192 |
| Net operating income to assets | 0.4188% | 4,687 |
| Return on assets (ROA) | 0.4188% | 4,701 |
| Pretax return on assets | 0.4692% | 4,748 |
| Return on Equity (ROE) | 2.0360% | 4,961 |
| Retained earnings to average equity (ytd only) | 2.0360% | 4,056 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9037% | 798 |
| Assets per employee ($millions) | 6.4968% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 4,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,889 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 46.8884% | 4,626 |
| Net loans and leases to deposits | 63.3835% | 4,222 |
| Net loans and leases to core deposits | 67.2424% | 4,220 |
| Total domestic deposits to total assets | 73.9757% | 4,937 |
| Equity capital to assets | 20.6928% | 216 |
| Core capital (leverage) ratio | 21.1195% | 193 |
| Tier 1 risk-based capital ratio | 38.0724% | 260 |
| Total risk-based capital ratio | 38.6214% | 264 |
| Memoranda: | ||
| Average total assets | $103,157,500 | 4,053 |
| Average earning assets | $94,251,500 | 4,073 |
| Average equity | $21,218,500 | 3,054 |
| Average total loans | $49,285,500 | 4,318 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 4,872 |
| Cost of funding earning assets | 0.6317% | 2,511 |
| Net interest margin | 2.9061% | 4,913 |
| Noninterest income to average assets | 0.2750% | 4,265 |
| Noninterest expense to average assets | 2.3216% | 4,072 |
| Loan and lease loss provision to assets | 0.0411% | 3,372 |
| Net operating income to assets | 0.5004% | 4,658 |
| Return on assets (ROA) | 0.5004% | 4,662 |
| Pretax return on assets | 0.5749% | 4,672 |
| Return on Equity (ROE) | 2.5405% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.5405% | 4,130 |
| Net charge-offs to loans | 0.0435% | 2,548 |
| Credit loss provision to net charge-offs | 195.4545% | 1,475 |
| Earnings coverage of net charge-offs (x) | 29.3182% | 1,626 |
| Efficiency ratio | 79.0312% | 1,036 |
| Assets per employee ($millions) | 6.0215% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 4,940 |
| Loan loss allowance to noncurrent loans | 201.9737% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,080 |
| Noncurrent loans to loans | 0.3070% | 3,448 |
| Net loans and leases to total assets | 48.0746% | 4,632 |
| Net loans and leases to deposits | 64.4651% | 4,226 |
| Net loans and leases to core deposits | 68.4194% | 4,213 |
| Total domestic deposits to total assets | 74.5746% | 4,909 |
| Equity capital to assets | 20.4433% | 211 |
| Core capital (leverage) ratio | 21.0084% | 196 |
| Tier 1 risk-based capital ratio | 38.5832% | 251 |
| Total risk-based capital ratio | 39.1347% | 256 |
| Memoranda: | ||
| Average total assets | $104,714,200 | 4,020 |
| Average earning assets | $95,935,200 | 4,039 |
| Average equity | $20,625,800 | 3,029 |
| Average total loans | $50,562,600 | 4,306 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,929 |
| Cost of funding earning assets | 0.5998% | 2,479 |
| Net interest margin | 2.8967% | 4,980 |
| Noninterest income to average assets | 0.2596% | 4,418 |
| Noninterest expense to average assets | 2.3057% | 4,087 |
| Loan and lease loss provision to assets | 0.0405% | 3,191 |
| Net operating income to assets | 0.4989% | 4,763 |
| Return on assets (ROA) | 0.4989% | 4,768 |
| Pretax return on assets | 0.5672% | 4,788 |
| Return on Equity (ROE) | 2.5562% | 5,063 |
| Retained earnings to average equity (ytd only) | 2.5562% | 4,378 |
| Net charge-offs to loans | 0.0446% | 2,208 |
| Credit loss provision to net charge-offs | 188.2353% | 1,453 |
| Earnings coverage of net charge-offs (x) | 28.2303% | 1,674 |
| Efficiency ratio | 79.1395% | 1,021 |
| Assets per employee ($millions) | 5.7692% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5940% | 5,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,032 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 48.5103% | 4,691 |
| Net loans and leases to deposits | 67.0375% | 4,123 |
| Net loans and leases to core deposits | 71.2260% | 4,121 |
| Total domestic deposits to total assets | 72.3629% | 5,100 |
| Equity capital to assets | 19.7427% | 241 |
| Core capital (leverage) ratio | 20.4919% | 217 |
| Tier 1 risk-based capital ratio | 37.1088% | 275 |
| Total risk-based capital ratio | 37.6321% | 283 |
| Memoranda: | ||
| Average total assets | $105,301,250 | 4,049 |
| Average earning assets | $96,474,250 | 4,070 |
| Average equity | $20,550,500 | 3,059 |
| Average total loans | $50,823,500 | 4,342 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 4,949 |
| Cost of funding earning assets | 0.5570% | 2,548 |
| Net interest margin | 2.9193% | 4,990 |
| Noninterest income to average assets | 0.3006% | 4,169 |
| Noninterest expense to average assets | 2.3425% | 4,039 |
| Loan and lease loss provision to assets | 0.0548% | 2,808 |
| Net operating income to assets | 0.5142% | 4,716 |
| Return on assets (ROA) | 0.5142% | 4,723 |
| Pretax return on assets | 0.5785% | 4,765 |
| Return on Equity (ROE) | 2.6451% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.6451% | 4,195 |
| Net charge-offs to loans | 0.0668% | 1,668 |
| Credit loss provision to net charge-offs | 170.5882% | 1,451 |
| Earnings coverage of net charge-offs (x) | 19.7059% | 1,841 |
| Efficiency ratio | 78.7166% | 1,143 |
| Assets per employee ($millions) | 5.9152% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 5,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,060 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 48.0037% | 4,720 |
| Net loans and leases to deposits | 65.5858% | 4,188 |
| Net loans and leases to core deposits | 69.3134% | 4,184 |
| Total domestic deposits to total assets | 73.1923% | 5,108 |
| Equity capital to assets | 19.2847% | 253 |
| Core capital (leverage) ratio | 20.1987% | 218 |
| Tier 1 risk-based capital ratio | 36.5301% | 288 |
| Total risk-based capital ratio | 37.0430% | 304 |
| Memoranda: | ||
| Average total assets | $105,786,330 | 4,077 |
| Average earning assets | $96,942,330 | 4,098 |
| Average equity | $20,566,670 | 3,072 |
| Average total loans | $50,872,330 | 4,381 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 4,948 |
| Cost of funding earning assets | 0.5139% | 2,693 |
| Net interest margin | 2.9383% | 4,973 |
| Noninterest income to average assets | 0.3794% | 3,592 |
| Noninterest expense to average assets | 2.4051% | 3,929 |
| Loan and lease loss provision to assets | 0.0986% | 1,874 |
| Net operating income to assets | 0.5159% | 4,652 |
| Return on assets (ROA) | 0.5159% | 4,651 |
| Pretax return on assets | 0.5652% | 4,758 |
| Return on Equity (ROE) | 2.6429% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.6429% | 4,122 |
| Net charge-offs to loans | 0.0395% | 1,744 |
| Credit loss provision to net charge-offs | 520.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,145 |
| Efficiency ratio | 78.3684% | 1,317 |
| Assets per employee ($millions) | 5.5451% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6063% | 5,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,137 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 47.7728% | 4,708 |
| Net loans and leases to deposits | 63.9998% | 4,210 |
| Net loans and leases to core deposits | 67.4104% | 4,245 |
| Total domestic deposits to total assets | 74.6453% | 5,095 |
| Equity capital to assets | 19.4292% | 234 |
| Core capital (leverage) ratio | 20.1200% | 208 |
| Tier 1 risk-based capital ratio | 37.3221% | 270 |
| Total risk-based capital ratio | 37.8655% | 279 |
| Memoranda: | ||
| Average total assets | $105,443,000 | 4,132 |
| Average earning assets | $96,517,500 | 4,150 |
| Average equity | $20,583,500 | 3,099 |
| Average total loans | $50,604,000 | 4,430 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 5,022 |
| Cost of funding earning assets | 0.4650% | 2,644 |
| Net interest margin | 2.8789% | 5,068 |
| Noninterest income to average assets | 0.2819% | 4,441 |
| Noninterest expense to average assets | 2.3899% | 4,106 |
| Loan and lease loss provision to assets | 0.0204% | 3,891 |
| Net operating income to assets | 0.2135% | 5,084 |
| Return on assets (ROA) | 0.2254% | 5,076 |
| Pretax return on assets | 0.5258% | 4,887 |
| Return on Equity (ROE) | 1.1699% | 5,211 |
| Retained earnings to average equity (ytd only) | 1.1699% | 4,560 |
| Net charge-offs to loans | 0.0635% | 2,567 |
| Credit loss provision to net charge-offs | 66.6667% | 3,136 |
| Earnings coverage of net charge-offs (x) | 17.2424% | 2,142 |
| Efficiency ratio | 81.9135% | 936 |
| Assets per employee ($millions) | 5.8627% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 5,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,832 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.6485% | 4,795 |
| Net loans and leases to deposits | 65.4633% | 4,228 |
| Net loans and leases to core deposits | 69.5237% | 4,203 |
| Total domestic deposits to total assets | 72.7866% | 5,278 |
| Equity capital to assets | 19.6126% | 223 |
| Core capital (leverage) ratio | 19.6997% | 208 |
| Tier 1 risk-based capital ratio | 38.9660% | 236 |
| Total risk-based capital ratio | 39.4979% | 242 |
| Memoranda: | ||
| Average total assets | $107,829,000 | 4,102 |
| Average earning assets | $98,719,400 | 4,122 |
| Average equity | $20,771,400 | 3,053 |
| Average total loans | $51,933,000 | 4,410 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 5,082 |
| Cost of funding earning assets | 0.4498% | 2,717 |
| Net interest margin | 2.8708% | 5,131 |
| Noninterest income to average assets | 0.2644% | 4,617 |
| Noninterest expense to average assets | 2.3873% | 4,050 |
| Loan and lease loss provision to assets | 0.0172% | 3,801 |
| Net operating income to assets | 0.4171% | 4,963 |
| Return on assets (ROA) | 0.4391% | 4,932 |
| Pretax return on assets | 0.5153% | 4,996 |
| Return on Equity (ROE) | 2.2895% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.2895% | 4,498 |
| Net charge-offs to loans | 0.0383% | 2,669 |
| Credit loss provision to net charge-offs | 93.3333% | 2,417 |
| Earnings coverage of net charge-offs (x) | 27.4660% | 1,634 |
| Efficiency ratio | 82.4904% | 878 |
| Assets per employee ($millions) | 5.9988% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 5,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 47.6120% | 4,851 |
| Net loans and leases to deposits | 64.6964% | 4,340 |
| Net loans and leases to core deposits | 68.3912% | 4,341 |
| Total domestic deposits to total assets | 73.5930% | 5,269 |
| Equity capital to assets | 19.4973% | 248 |
| Core capital (leverage) ratio | 19.5764% | 224 |
| Tier 1 risk-based capital ratio | 37.9402% | 258 |
| Total risk-based capital ratio | 38.4736% | 272 |
| Memoranda: | ||
| Average total assets | $108,404,000 | 4,128 |
| Average earning assets | $99,296,500 | 4,152 |
| Average equity | $20,790,000 | 3,076 |
| Average total loans | $52,274,000 | 4,439 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 5,073 |
| Cost of funding earning assets | 0.4446% | 2,652 |
| Net interest margin | 2.8786% | 5,129 |
| Noninterest income to average assets | 0.2745% | 4,584 |
| Noninterest expense to average assets | 2.3935% | 4,065 |
| Loan and lease loss provision to assets | 0.0184% | 3,598 |
| Net operating income to assets | 0.4229% | 4,921 |
| Return on assets (ROA) | 0.4385% | 4,896 |
| Pretax return on assets | 0.5178% | 4,979 |
| Return on Equity (ROE) | 2.2993% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.2993% | 4,304 |
| Net charge-offs to loans | 0.0496% | 2,228 |
| Credit loss provision to net charge-offs | 76.9231% | 2,295 |
| Earnings coverage of net charge-offs (x) | 21.6154% | 1,743 |
| Efficiency ratio | 82.2152% | 984 |
| Assets per employee ($millions) | 5.7179% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5606% | 5,443 |
| Loan loss allowance to noncurrent loans | 717.0732% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,101 |
| Noncurrent loans to loans | 0.0782% | 4,824 |
| Net loans and leases to total assets | 47.9989% | 4,822 |
| Net loans and leases to deposits | 64.2153% | 4,359 |
| Net loans and leases to core deposits | 68.0633% | 4,346 |
| Total domestic deposits to total assets | 74.7469% | 5,231 |
| Equity capital to assets | 19.3262% | 251 |
| Core capital (leverage) ratio | 19.2744% | 229 |
| Tier 1 risk-based capital ratio | 38.6495% | 232 |
| Total risk-based capital ratio | 39.1943% | 238 |
| Memoranda: | ||
| Average total assets | $108,545,670 | 4,155 |
| Average earning assets | $99,425,000 | 4,170 |
| Average equity | $20,702,330 | 3,088 |
| Average total loans | $52,463,000 | 4,456 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 5,104 |
| Cost of funding earning assets | 0.4268% | 2,749 |
| Net interest margin | 2.8710% | 5,136 |
| Noninterest income to average assets | 0.2802% | 4,547 |
| Noninterest expense to average assets | 2.3890% | 4,147 |
| Loan and lease loss provision to assets | 0.0184% | 3,331 |
| Net operating income to assets | 0.4350% | 4,840 |
| Return on assets (ROA) | 0.4350% | 4,860 |
| Pretax return on assets | 0.5014% | 4,968 |
| Return on Equity (ROE) | 2.2962% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.2962% | 4,221 |
| Net charge-offs to loans | 0.0762% | 1,572 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 14.1000% | 1,743 |
| Efficiency ratio | 82.1293% | 1,146 |
| Assets per employee ($millions) | 5.7789% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5612% | 5,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.1184% | 4,884 |
| Net loans and leases to deposits | 62.8413% | 4,379 |
| Net loans and leases to core deposits | 66.5560% | 4,395 |
| Total domestic deposits to total assets | 74.9800% | 5,334 |
| Equity capital to assets | 18.8215% | 260 |
| Core capital (leverage) ratio | 19.3671% | 218 |
| Tier 1 risk-based capital ratio | 40.5225% | 218 |
| Total risk-based capital ratio | 41.0918% | 222 |
| Memoranda: | ||
| Average total assets | $108,498,500 | 4,198 |
| Average earning assets | $99,338,500 | 4,210 |
| Average equity | $20,555,500 | 3,118 |
| Average total loans | $52,474,500 | 4,497 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 5,110 |
| Cost of funding earning assets | 0.4944% | 2,129 |
| Net interest margin | 2.8399% | 5,221 |
| Noninterest income to average assets | 0.3168% | 4,465 |
| Noninterest expense to average assets | 2.3450% | 4,435 |
| Loan and lease loss provision to assets | 0.0395% | 3,590 |
| Net operating income to assets | 0.4432% | 4,816 |
| Return on assets (ROA) | 0.4508% | 4,874 |
| Pretax return on assets | 0.5417% | 4,942 |
| Return on Equity (ROE) | 2.3804% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.3804% | 4,169 |
| Net charge-offs to loans | 0.0038% | 4,123 |
| Credit loss provision to net charge-offs | 2,150.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 311.5000% | 249 |
| Efficiency ratio | 80.3903% | 1,372 |
| Assets per employee ($millions) | 5.6419% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5612% | 5,588 |
| Loan loss allowance to noncurrent loans | 418.3099% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 5,065 |
| Noncurrent loans to loans | 0.1342% | 4,698 |
| Net loans and leases to total assets | 49.0909% | 4,827 |
| Net loans and leases to deposits | 64.3459% | 4,382 |
| Net loans and leases to core deposits | 68.1967% | 4,384 |
| Total domestic deposits to total assets | 76.2922% | 5,217 |
| Equity capital to assets | 19.0724% | 242 |
| Core capital (leverage) ratio | 19.2433% | 218 |
| Tier 1 risk-based capital ratio | 40.8467% | 211 |
| Total risk-based capital ratio | 41.4338% | 215 |
| Memoranda: | ||
| Average total assets | $108,914,200 | 4,193 |
| Average earning assets | $99,720,400 | 4,210 |
| Average equity | $20,626,800 | 3,106 |
| Average total loans | $53,320,000 | 4,481 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 5,087 |
| Cost of funding earning assets | 0.5046% | 2,060 |
| Net interest margin | 2.8638% | 5,241 |
| Noninterest income to average assets | 0.3036% | 4,597 |
| Noninterest expense to average assets | 2.3509% | 4,409 |
| Loan and lease loss provision to assets | 0.0451% | 3,337 |
| Net operating income to assets | 0.4386% | 4,907 |
| Return on assets (ROA) | 0.4487% | 4,964 |
| Pretax return on assets | 0.5426% | 5,028 |
| Return on Equity (ROE) | 2.3735% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.3735% | 4,493 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3333% | 1,401 |
| Assets per employee ($millions) | 5.6803% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 5,665 |
| Loan loss allowance to noncurrent loans | 276.4151% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 5,040 |
| Noncurrent loans to loans | 0.1992% | 4,553 |
| Net loans and leases to total assets | 49.0280% | 4,893 |
| Net loans and leases to deposits | 66.0682% | 4,335 |
| Net loans and leases to core deposits | 70.2001% | 4,310 |
| Total domestic deposits to total assets | 74.2083% | 5,413 |
| Equity capital to assets | 19.3725% | 250 |
| Core capital (leverage) ratio | 18.6913% | 249 |
| Tier 1 risk-based capital ratio | 39.0173% | 240 |
| Total risk-based capital ratio | 39.5738% | 256 |
| Memoranda: | ||
| Average total assets | $109,343,500 | 4,209 |
| Average earning assets | $100,142,500 | 4,234 |
| Average equity | $20,672,250 | 3,125 |
| Average total loans | $53,419,750 | 4,510 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 5,228 |
| Cost of funding earning assets | 0.5032% | 2,082 |
| Net interest margin | 2.8261% | 5,387 |
| Noninterest income to average assets | 0.3078% | 4,580 |
| Noninterest expense to average assets | 2.3257% | 4,535 |
| Loan and lease loss provision to assets | 0.0310% | 3,507 |
| Net operating income to assets | 0.4442% | 4,886 |
| Return on assets (ROA) | 0.4517% | 4,952 |
| Pretax return on assets | 0.5482% | 5,030 |
| Return on Equity (ROE) | 2.4085% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.4085% | 4,352 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3145% | 1,460 |
| Assets per employee ($millions) | 5.7633% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5105% | 5,790 |
| Loan loss allowance to noncurrent loans | 165.4545% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 4,912 |
| Noncurrent loans to loans | 0.3085% | 4,260 |
| Net loans and leases to total assets | 48.5859% | 4,940 |
| Net loans and leases to deposits | 65.6479% | 4,375 |
| Net loans and leases to core deposits | 69.6922% | 4,346 |
| Total domestic deposits to total assets | 74.0098% | 5,519 |
| Equity capital to assets | 19.0022% | 263 |
| Core capital (leverage) ratio | 18.7273% | 246 |
| Tier 1 risk-based capital ratio | 38.7788% | 249 |
| Total risk-based capital ratio | 39.2971% | 263 |
| Memoranda: | ||
| Average total assets | $109,816,000 | 4,231 |
| Average earning assets | $100,564,000 | 4,254 |
| Average equity | $20,593,670 | 3,133 |
| Average total loans | $53,490,670 | 4,542 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3643% | 5,195 |
| Cost of funding earning assets | 0.5084% | 2,037 |
| Net interest margin | 2.8559% | 5,387 |
| Noninterest income to average assets | 0.3164% | 4,466 |
| Noninterest expense to average assets | 2.3861% | 4,410 |
| Loan and lease loss provision to assets | 0.0182% | 3,452 |
| Net operating income to assets | 0.4396% | 4,864 |
| Return on assets (ROA) | 0.4547% | 4,891 |
| Pretax return on assets | 0.5456% | 4,964 |
| Return on Equity (ROE) | 2.4406% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.4406% | 4,281 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3896% | 1,442 |
| Assets per employee ($millions) | 5.7772% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4886% | 5,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.4271% | 4,935 |
| Net loans and leases to deposits | 63.6336% | 4,467 |
| Net loans and leases to core deposits | 67.4342% | 4,442 |
| Total domestic deposits to total assets | 76.1030% | 5,401 |
| Equity capital to assets | 18.7524% | 276 |
| Core capital (leverage) ratio | 18.3725% | 268 |
| Tier 1 risk-based capital ratio | 37.9979% | 265 |
| Total risk-based capital ratio | 38.4864% | 280 |
| Memoranda: | ||
| Average total assets | $109,972,500 | 4,261 |
| Average earning assets | $100,704,000 | 4,280 |
| Average equity | $20,486,500 | 3,152 |
| Average total loans | $53,498,000 | 4,571 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3503% | 5,255 |
| Cost of funding earning assets | 0.5585% | 1,690 |
| Net interest margin | 2.7917% | 5,530 |
| Noninterest income to average assets | 0.2934% | 4,784 |
| Noninterest expense to average assets | 2.3587% | 4,621 |
| Loan and lease loss provision to assets | 0.0062% | 4,271 |
| Net operating income to assets | 0.4107% | 5,020 |
| Return on assets (ROA) | 0.4182% | 5,078 |
| Pretax return on assets | 0.5003% | 5,117 |
| Return on Equity (ROE) | 2.3190% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.3190% | 4,410 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5788% | 1,329 |
| Assets per employee ($millions) | 5.2466% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 5,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.3962% | 4,982 |
| Net loans and leases to deposits | 65.0760% | 4,391 |
| Net loans and leases to core deposits | 68.8363% | 4,386 |
| Total domestic deposits to total assets | 74.3687% | 5,613 |
| Equity capital to assets | 18.5055% | 277 |
| Core capital (leverage) ratio | 18.1806% | 280 |
| Tier 1 risk-based capital ratio | 38.4117% | 252 |
| Total risk-based capital ratio | 38.8991% | 261 |
| Memoranda: | ||
| Average total assets | $112,138,800 | 4,219 |
| Average earning assets | $102,946,200 | 4,211 |
| Average equity | $20,224,400 | 3,153 |
| Average total loans | $54,650,600 | 4,540 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 5,297 |
| Cost of funding earning assets | 0.5645% | 1,671 |
| Net interest margin | 2.7943% | 5,589 |
| Noninterest income to average assets | 0.2841% | 4,916 |
| Noninterest expense to average assets | 2.3487% | 4,655 |
| Loan and lease loss provision to assets | 0.0071% | 4,115 |
| Net operating income to assets | 0.4104% | 5,126 |
| Return on assets (ROA) | 0.4202% | 5,172 |
| Pretax return on assets | 0.5067% | 5,202 |
| Return on Equity (ROE) | 2.3451% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.3451% | 4,712 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3920% | 1,343 |
| Assets per employee ($millions) | 5.2860% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 6,037 |
| Loan loss allowance to noncurrent loans | 12,750.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,821 |
| Noncurrent loans to loans | 0.0037% | 5,647 |
| Net loans and leases to total assets | 48.1312% | 5,069 |
| Net loans and leases to deposits | 65.3174% | 4,443 |
| Net loans and leases to core deposits | 69.1083% | 4,451 |
| Total domestic deposits to total assets | 73.6881% | 5,739 |
| Equity capital to assets | 18.3106% | 318 |
| Core capital (leverage) ratio | 17.7826% | 312 |
| Tier 1 risk-based capital ratio | 38.3615% | 274 |
| Total risk-based capital ratio | 38.8492% | 287 |
| Memoranda: | ||
| Average total assets | $112,629,000 | 4,257 |
| Average earning assets | $103,447,000 | 4,253 |
| Average equity | $20,183,250 | 3,185 |
| Average total loans | $54,918,750 | 4,579 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 5,277 |
| Cost of funding earning assets | 0.5731% | 1,621 |
| Net interest margin | 2.8040% | 5,609 |
| Noninterest income to average assets | 0.2845% | 4,925 |
| Noninterest expense to average assets | 2.3434% | 4,733 |
| Loan and lease loss provision to assets | 0.0106% | 3,895 |
| Net operating income to assets | 0.4150% | 5,096 |
| Return on assets (ROA) | 0.4294% | 5,142 |
| Pretax return on assets | 0.5249% | 5,164 |
| Return on Equity (ROE) | 2.4136% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.4136% | 4,519 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9024% | 1,504 |
| Assets per employee ($millions) | 5.3834% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4674% | 6,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.0367% | 5,102 |
| Net loans and leases to deposits | 64.0665% | 4,528 |
| Net loans and leases to core deposits | 67.6449% | 4,518 |
| Total domestic deposits to total assets | 74.9794% | 5,706 |
| Equity capital to assets | 17.7990% | 356 |
| Core capital (leverage) ratio | 17.6599% | 318 |
| Tier 1 risk-based capital ratio | 37.7329% | 299 |
| Total risk-based capital ratio | 38.2152% | 311 |
| Memoranda: | ||
| Average total assets | $113,169,670 | 4,275 |
| Average earning assets | $103,996,000 | 4,271 |
| Average equity | $20,135,670 | 3,210 |
| Average total loans | $55,330,330 | 4,604 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 5,150 |
| Cost of funding earning assets | 0.5842% | 1,550 |
| Net interest margin | 2.8440% | 5,562 |
| Noninterest income to average assets | 0.2755% | 4,973 |
| Noninterest expense to average assets | 2.3528% | 4,730 |
| Loan and lease loss provision to assets | 0.0106% | 3,587 |
| Net operating income to assets | 0.4253% | 4,972 |
| Return on assets (ROA) | 0.4310% | 5,063 |
| Pretax return on assets | 0.5334% | 5,089 |
| Return on Equity (ROE) | 2.4227% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.4227% | 4,483 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4181% | 1,701 |
| Assets per employee ($millions) | 5.6525% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4574% | 6,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 48.5064% | 4,982 |
| Net loans and leases to deposits | 64.3238% | 4,340 |
| Net loans and leases to core deposits | 67.9437% | 4,327 |
| Total domestic deposits to total assets | 75.4098% | 5,792 |
| Equity capital to assets | 17.9117% | 335 |
| Core capital (leverage) ratio | 17.6088% | 314 |
| Tier 1 risk-based capital ratio | 39.0138% | 276 |
| Total risk-based capital ratio | 39.5097% | 281 |
| Memoranda: | ||
| Average total assets | $113,229,000 | 4,302 |
| Average earning assets | $104,077,500 | 4,299 |
| Average equity | $20,142,500 | 3,224 |
| Average total loans | $55,715,000 | 4,618 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 5,375 |
| Cost of funding earning assets | 0.6723% | 1,258 |
| Net interest margin | 2.8050% | 5,795 |
| Noninterest income to average assets | 0.2994% | 4,985 |
| Noninterest expense to average assets | 2.3551% | 4,958 |
| Loan and lease loss provision to assets | 0.0096% | 4,434 |
| Net operating income to assets | 0.4185% | 5,160 |
| Return on assets (ROA) | 0.4256% | 5,203 |
| Pretax return on assets | 0.5178% | 5,203 |
| Return on Equity (ROE) | 2.4881% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.4881% | 4,463 |
| Net charge-offs to loans | 0.0121% | 4,654 |
| Credit loss provision to net charge-offs | 157.1429% | 1,544 |
| Earnings coverage of net charge-offs (x) | 85.1429% | 596 |
| Efficiency ratio | 81.9503% | 1,667 |
| Assets per employee ($millions) | 5.6705% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 6,307 |
| Loan loss allowance to noncurrent loans | 922.2222% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 5,948 |
| Noncurrent loans to loans | 0.0479% | 5,689 |
| Net loans and leases to total assets | 49.4608% | 5,020 |
| Net loans and leases to deposits | 66.1591% | 4,303 |
| Net loans and leases to core deposits | 69.5339% | 4,366 |
| Total domestic deposits to total assets | 74.7604% | 5,878 |
| Equity capital to assets | 17.6670% | 345 |
| Core capital (leverage) ratio | 17.0836% | 358 |
| Tier 1 risk-based capital ratio | 35.5478% | 325 |
| Total risk-based capital ratio | 35.9970% | 345 |
| Memoranda: | ||
| Average total assets | $114,899,600 | 4,277 |
| Average earning assets | $105,454,400 | 4,283 |
| Average equity | $19,653,200 | 3,195 |
| Average total loans | $57,814,800 | 4,558 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 5,452 |
| Cost of funding earning assets | 0.6880% | 1,214 |
| Net interest margin | 2.7834% | 5,892 |
| Noninterest income to average assets | 0.3019% | 5,032 |
| Noninterest expense to average assets | 2.3642% | 4,928 |
| Loan and lease loss provision to assets | 0.0093% | 4,239 |
| Net operating income to assets | 0.4092% | 5,208 |
| Return on assets (ROA) | 0.4141% | 5,270 |
| Pretax return on assets | 0.4893% | 5,349 |
| Return on Equity (ROE) | 2.4406% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.4406% | 4,837 |
| Net charge-offs to loans | 0.0160% | 4,219 |
| Credit loss provision to net charge-offs | 114.2857% | 1,987 |
| Earnings coverage of net charge-offs (x) | 60.8778% | 853 |
| Efficiency ratio | 82.7530% | 1,522 |
| Assets per employee ($millions) | 5.2567% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4323% | 6,384 |
| Loan loss allowance to noncurrent loans | 878.5714% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 6,075 |
| Noncurrent loans to loans | 0.0492% | 5,815 |
| Net loans and leases to total assets | 48.9939% | 5,111 |
| Net loans and leases to deposits | 64.0921% | 4,530 |
| Net loans and leases to core deposits | 67.2195% | 4,587 |
| Total domestic deposits to total assets | 76.4430% | 5,760 |
| Equity capital to assets | 17.1470% | 410 |
| Core capital (leverage) ratio | 16.8557% | 389 |
| Tier 1 risk-based capital ratio | 35.4625% | 342 |
| Total risk-based capital ratio | 35.9081% | 359 |
| Memoranda: | ||
| Average total assets | $115,272,250 | 4,313 |
| Average earning assets | $105,815,750 | 4,310 |
| Average equity | $19,557,500 | 3,216 |
| Average total loans | $58,183,000 | 4,584 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 5,446 |
| Cost of funding earning assets | 0.7021% | 1,181 |
| Net interest margin | 2.7801% | 5,944 |
| Noninterest income to average assets | 0.3005% | 5,008 |
| Noninterest expense to average assets | 2.3726% | 4,968 |
| Loan and lease loss provision to assets | 0.0087% | 4,062 |
| Net operating income to assets | 0.3923% | 5,253 |
| Return on assets (ROA) | 0.3995% | 5,300 |
| Pretax return on assets | 0.4794% | 5,336 |
| Return on Equity (ROE) | 2.3630% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.3630% | 4,699 |
| Net charge-offs to loans | 0.0239% | 3,723 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 39.4286% | 1,071 |
| Efficiency ratio | 83.1912% | 1,606 |
| Assets per employee ($millions) | 5.3460% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4194% | 6,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 49.0541% | 5,070 |
| Net loans and leases to deposits | 65.9360% | 4,274 |
| Net loans and leases to core deposits | 69.1941% | 4,348 |
| Total domestic deposits to total assets | 74.3965% | 6,073 |
| Equity capital to assets | 16.7507% | 447 |
| Core capital (leverage) ratio | 16.6834% | 391 |
| Tier 1 risk-based capital ratio | 33.9656% | 377 |
| Total risk-based capital ratio | 34.3900% | 396 |
| Memoranda: | ||
| Average total assets | $115,147,330 | 4,349 |
| Average earning assets | $105,678,000 | 4,333 |
| Average equity | $19,466,670 | 3,227 |
| Average total loans | $58,608,670 | 4,592 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 5,393 |
| Cost of funding earning assets | 0.7275% | 1,091 |
| Net interest margin | 2.7837% | 5,967 |
| Noninterest income to average assets | 0.3125% | 4,865 |
| Noninterest expense to average assets | 2.4650% | 4,741 |
| Loan and lease loss provision to assets | 0.0070% | 3,730 |
| Net operating income to assets | 0.3396% | 5,357 |
| Return on assets (ROA) | 0.3547% | 5,355 |
| Pretax return on assets | 0.4108% | 5,420 |
| Return on Equity (ROE) | 2.0879% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.0879% | 4,767 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0294% | 1,451 |
| Assets per employee ($millions) | 4.8315% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4291% | 6,546 |
| Loan loss allowance to noncurrent loans | 1,452.9412% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 6,277 |
| Noncurrent loans to loans | 0.0295% | 6,065 |
| Net loans and leases to total assets | 49.4287% | 4,961 |
| Net loans and leases to deposits | 62.3857% | 4,508 |
| Net loans and leases to core deposits | 65.0833% | 4,593 |
| Total domestic deposits to total assets | 79.2307% | 5,649 |
| Equity capital to assets | 16.8082% | 421 |
| Core capital (leverage) ratio | 16.9440% | 373 |
| Tier 1 risk-based capital ratio | 34.5959% | 362 |
| Total risk-based capital ratio | 35.0382% | 382 |
| Memoranda: | ||
| Average total assets | $113,914,500 | 4,414 |
| Average earning assets | $104,467,000 | 4,397 |
| Average equity | $19,349,500 | 3,245 |
| Average total loans | $58,944,500 | 4,624 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7382% | 5,009 |
| Cost of funding earning assets | 0.8324% | 1,032 |
| Net interest margin | 2.9058% | 5,776 |
| Noninterest income to average assets | 0.5506% | 3,399 |
| Noninterest expense to average assets | 2.6492% | 4,284 |
| Loan and lease loss provision to assets | 0.0167% | 4,798 |
| Net operating income to assets | 0.4432% | 4,986 |
| Return on assets (ROA) | 0.4537% | 5,064 |
| Pretax return on assets | 0.5674% | 4,979 |
| Return on Equity (ROE) | 2.6702% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.6702% | 4,342 |
| Net charge-offs to loans | -0.0048% | 5,924 |
| Credit loss provision to net charge-offs | -633.3333% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2709% | 1,845 |
| Assets per employee ($millions) | 4.6614% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4061% | 6,635 |
| Loan loss allowance to noncurrent loans | 200.8197% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 6,003 |
| Noncurrent loans to loans | 0.2022% | 5,584 |
| Net loans and leases to total assets | 53.7051% | 4,621 |
| Net loans and leases to deposits | 68.3270% | 3,998 |
| Net loans and leases to core deposits | 71.4242% | 4,139 |
| Total domestic deposits to total assets | 78.6000% | 5,724 |
| Equity capital to assets | 17.1702% | 382 |
| Core capital (leverage) ratio | 17.2382% | 348 |
| Tier 1 risk-based capital ratio | 35.0738% | 328 |
| Total risk-based capital ratio | 35.5210% | 348 |
| Memoranda: | ||
| Average total assets | $113,504,000 | 4,422 |
| Average earning assets | $104,274,800 | 4,401 |
| Average equity | $19,286,600 | 3,249 |
| Average total loans | $62,669,600 | 4,524 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 5,042 |
| Cost of funding earning assets | 0.8503% | 1,044 |
| Net interest margin | 2.8970% | 5,824 |
| Noninterest income to average assets | 0.6063% | 3,110 |
| Noninterest expense to average assets | 2.6523% | 4,192 |
| Loan and lease loss provision to assets | 0.0187% | 4,641 |
| Net operating income to assets | 0.4541% | 5,014 |
| Return on assets (ROA) | 0.4541% | 5,150 |
| Pretax return on assets | 0.5993% | 5,010 |
| Return on Equity (ROE) | 2.6796% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.6796% | 4,713 |
| Net charge-offs to loans | -0.0063% | 5,811 |
| Credit loss provision to net charge-offs | -533.3333% | 6,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1024% | 1,954 |
| Assets per employee ($millions) | 4.6235% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3926% | 6,727 |
| Loan loss allowance to noncurrent loans | 198.3607% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 6,108 |
| Noncurrent loans to loans | 0.1979% | 5,741 |
| Net loans and leases to total assets | 55.3369% | 4,411 |
| Net loans and leases to deposits | 70.6882% | 3,687 |
| Net loans and leases to core deposits | 73.6807% | 3,887 |
| Total domestic deposits to total assets | 78.2830% | 5,861 |
| Equity capital to assets | 17.2335% | 393 |
| Core capital (leverage) ratio | 17.1120% | 382 |
| Tier 1 risk-based capital ratio | 34.6606% | 348 |
| Total risk-based capital ratio | 35.1000% | 367 |
| Memoranda: | ||
| Average total assets | $113,911,500 | 4,453 |
| Average earning assets | $104,748,750 | 4,436 |
| Average equity | $19,306,000 | 3,274 |
| Average total loans | $63,255,250 | 4,548 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 4,997 |
| Cost of funding earning assets | 0.8695% | 1,038 |
| Net interest margin | 2.8769% | 5,835 |
| Noninterest income to average assets | 0.5100% | 3,767 |
| Noninterest expense to average assets | 2.5780% | 4,466 |
| Loan and lease loss provision to assets | 0.0157% | 4,580 |
| Net operating income to assets | 0.4526% | 5,005 |
| Return on assets (ROA) | 0.4526% | 5,175 |
| Pretax return on assets | 0.5657% | 5,144 |
| Return on Equity (ROE) | 2.6850% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.6850% | 4,602 |
| Net charge-offs to loans | -0.0094% | 5,755 |
| Credit loss provision to net charge-offs | -300.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5978% | 1,947 |
| Assets per employee ($millions) | 4.2177% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3713% | 6,789 |
| Loan loss allowance to noncurrent loans | 192.6230% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 6,171 |
| Noncurrent loans to loans | 0.1927% | 5,831 |
| Net loans and leases to total assets | 55.3772% | 4,390 |
| Net loans and leases to deposits | 70.6398% | 3,636 |
| Net loans and leases to core deposits | 74.4343% | 3,742 |
| Total domestic deposits to total assets | 78.3937% | 5,895 |
| Equity capital to assets | 16.8547% | 428 |
| Core capital (leverage) ratio | 16.6982% | 401 |
| Tier 1 risk-based capital ratio | 32.8631% | 411 |
| Total risk-based capital ratio | 33.2704% | 432 |
| Memoranda: | ||
| Average total assets | $114,894,000 | 4,468 |
| Average earning assets | $105,807,670 | 4,441 |
| Average equity | $19,367,000 | 3,285 |
| Average total loans | $63,791,670 | 4,550 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 4,748 |
| Cost of funding earning assets | 0.8982% | 995 |
| Net interest margin | 2.9238% | 5,765 |
| Noninterest income to average assets | 0.5130% | 3,688 |
| Noninterest expense to average assets | 2.5407% | 4,612 |
| Loan and lease loss provision to assets | 0.0208% | 4,208 |
| Net operating income to assets | 0.4991% | 4,671 |
| Return on assets (ROA) | 0.4991% | 4,822 |
| Pretax return on assets | 0.6482% | 4,783 |
| Return on Equity (ROE) | 2.9609% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.9609% | 4,505 |
| Net charge-offs to loans | -0.0187% | 5,685 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1577% | 2,450 |
| Assets per employee ($millions) | 4.2476% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3701% | 6,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.4495% | 4,342 |
| Net loans and leases to deposits | 69.1356% | 3,622 |
| Net loans and leases to core deposits | 73.7670% | 3,611 |
| Total domestic deposits to total assets | 78.7577% | 6,001 |
| Equity capital to assets | 16.9454% | 431 |
| Core capital (leverage) ratio | 16.3100% | 424 |
| Tier 1 risk-based capital ratio | 34.7814% | 354 |
| Total risk-based capital ratio | 35.2096% | 376 |
| Memoranda: | ||
| Average total assets | $115,401,500 | 4,497 |
| Average earning assets | $106,437,500 | 4,463 |
| Average equity | $19,453,500 | 3,318 |
| Average total loans | $64,038,500 | 4,565 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 4,845 |
| Cost of funding earning assets | 1.1380% | 776 |
| Net interest margin | 2.9912% | 6,070 |
| Noninterest income to average assets | 0.4694% | 4,104 |
| Noninterest expense to average assets | 2.4141% | 5,368 |
| Loan and lease loss provision to assets | 0.0286% | 5,537 |
| Net operating income to assets | 0.5541% | 4,455 |
| Return on assets (ROA) | 0.5711% | 4,633 |
| Pretax return on assets | 0.8125% | 4,248 |
| Return on Equity (ROE) | 3.5460% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.5460% | 3,721 |
| Net charge-offs to loans | 0.0619% | 5,079 |
| Credit loss provision to net charge-offs | 80.9524% | 3,796 |
| Earnings coverage of net charge-offs (x) | 23.1190% | 1,231 |
| Efficiency ratio | 74.7201% | 2,944 |
| Assets per employee ($millions) | 4.3006% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3410% | 6,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 6,506 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.1296% | 4,268 |
| Net loans and leases to deposits | 72.1764% | 3,384 |
| Net loans and leases to core deposits | 76.2738% | 3,490 |
| Total domestic deposits to total assets | 77.7673% | 6,116 |
| Equity capital to assets | 16.7702% | 441 |
| Core capital (leverage) ratio | 16.1847% | 429 |
| Tier 1 risk-based capital ratio | 33.5299% | 379 |
| Total risk-based capital ratio | 33.9297% | 403 |
| Memoranda: | ||
| Average total assets | $118,885,800 | 4,382 |
| Average earning assets | $109,755,400 | 4,347 |
| Average equity | $19,148,600 | 3,314 |
| Average total loans | $67,904,800 | 4,426 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 4,862 |
| Cost of funding earning assets | 1.1895% | 726 |
| Net interest margin | 2.9972% | 6,175 |
| Noninterest income to average assets | 0.4583% | 4,225 |
| Noninterest expense to average assets | 2.5322% | 4,982 |
| Loan and lease loss provision to assets | 0.0290% | 5,419 |
| Net operating income to assets | 0.4605% | 4,994 |
| Return on assets (ROA) | 0.4828% | 5,169 |
| Pretax return on assets | 0.6969% | 4,873 |
| Return on Equity (ROE) | 3.0278% | 5,670 |
| Retained earnings to average equity (ytd only) | 3.0278% | 4,735 |
| Net charge-offs to loans | 0.0720% | 4,688 |
| Credit loss provision to net charge-offs | 70.2703% | 3,895 |
| Earnings coverage of net charge-offs (x) | 16.8115% | 1,658 |
| Efficiency ratio | 78.4998% | 2,316 |
| Assets per employee ($millions) | 4.4622% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3340% | 7,046 |
| Loan loss allowance to noncurrent loans | 68.5358% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 5,351 |
| Noncurrent loans to loans | 0.4873% | 5,476 |
| Net loans and leases to total assets | 56.5921% | 4,363 |
| Net loans and leases to deposits | 72.7961% | 3,476 |
| Net loans and leases to core deposits | 77.2354% | 3,580 |
| Total domestic deposits to total assets | 77.7405% | 6,127 |
| Equity capital to assets | 16.6440% | 509 |
| Core capital (leverage) ratio | 15.6626% | 518 |
| Tier 1 risk-based capital ratio | 32.9701% | 407 |
| Total risk-based capital ratio | 33.3631% | 430 |
| Memoranda: | ||
| Average total assets | $119,578,000 | 4,407 |
| Average earning assets | $110,410,500 | 4,378 |
| Average equity | $19,067,500 | 3,351 |
| Average total loans | $68,531,250 | 4,446 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 4,806 |
| Cost of funding earning assets | 1.2347% | 700 |
| Net interest margin | 3.0051% | 6,232 |
| Noninterest income to average assets | 0.4405% | 4,364 |
| Noninterest expense to average assets | 2.5902% | 4,809 |
| Loan and lease loss provision to assets | 0.0298% | 5,298 |
| Net operating income to assets | 0.4140% | 5,168 |
| Return on assets (ROA) | 0.4472% | 5,280 |
| Pretax return on assets | 0.6459% | 4,979 |
| Return on Equity (ROE) | 2.8441% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.8441% | 4,732 |
| Net charge-offs to loans | 0.0836% | 4,310 |
| Credit loss provision to net charge-offs | 62.0690% | 3,744 |
| Earnings coverage of net charge-offs (x) | 13.0690% | 1,823 |
| Efficiency ratio | 80.4941% | 2,101 |
| Assets per employee ($millions) | 4.3046% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3268% | 7,109 |
| Loan loss allowance to noncurrent loans | 59.7826% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 6,001 |
| Noncurrent loans to loans | 0.5466% | 5,426 |
| Net loans and leases to total assets | 55.6724% | 4,521 |
| Net loans and leases to deposits | 73.5453% | 3,368 |
| Net loans and leases to core deposits | 78.3088% | 3,466 |
| Total domestic deposits to total assets | 75.6982% | 6,502 |
| Equity capital to assets | 15.8376% | 612 |
| Core capital (leverage) ratio | 15.2199% | 558 |
| Tier 1 risk-based capital ratio | 27.7535% | 664 |
| Total risk-based capital ratio | 28.0873% | 724 |
| Memoranda: | ||
| Average total assets | $120,764,670 | 4,407 |
| Average earning assets | $111,609,670 | 4,373 |
| Average equity | $18,986,670 | 3,355 |
| Average total loans | $69,416,000 | 4,435 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 4,513 |
| Cost of funding earning assets | 1.2620% | 738 |
| Net interest margin | 3.0904% | 6,080 |
| Noninterest income to average assets | 0.4236% | 4,490 |
| Noninterest expense to average assets | 2.5943% | 4,839 |
| Loan and lease loss provision to assets | 0.0364% | 4,926 |
| Net operating income to assets | 0.4467% | 5,051 |
| Return on assets (ROA) | 0.4467% | 5,242 |
| Pretax return on assets | 0.6453% | 4,951 |
| Return on Equity (ROE) | 2.8518% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.8518% | 4,820 |
| Net charge-offs to loans | 0.1362% | 3,287 |
| Credit loss provision to net charge-offs | 45.8333% | 3,348 |
| Earnings coverage of net charge-offs (x) | 8.5833% | 1,943 |
| Efficiency ratio | 79.1919% | 2,316 |
| Assets per employee ($millions) | 4.3317% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3127% | 7,171 |
| Loan loss allowance to noncurrent loans | 56.0411% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 6,086 |
| Noncurrent loans to loans | 0.5580% | 5,541 |
| Net loans and leases to total assets | 57.2939% | 4,164 |
| Net loans and leases to deposits | 75.1121% | 2,955 |
| Net loans and leases to core deposits | 80.6738% | 2,988 |
| Total domestic deposits to total assets | 76.2778% | 6,513 |
| Equity capital to assets | 15.6422% | 631 |
| Core capital (leverage) ratio | 15.0172% | 598 |
| Tier 1 risk-based capital ratio | 28.2762% | 617 |
| Total risk-based capital ratio | 28.6157% | 678 |
| Memoranda: | ||
| Average total assets | $120,882,000 | 4,434 |
| Average earning assets | $111,573,000 | 4,396 |
| Average equity | $18,935,500 | 3,357 |
| Average total loans | $70,463,000 | 4,431 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 4,435 |
| Cost of funding earning assets | 1.5096% | 688 |
| Net interest margin | 3.1459% | 6,231 |
| Noninterest income to average assets | 0.4872% | 3,943 |
| Noninterest expense to average assets | 2.5992% | 5,097 |
| Loan and lease loss provision to assets | 0.1094% | 5,226 |
| Net operating income to assets | 0.4935% | 4,455 |
| Return on assets (ROA) | 0.5215% | 4,545 |
| Pretax return on assets | 0.7165% | 4,261 |
| Return on Equity (ROE) | 3.4533% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.4533% | 3,766 |
| Net charge-offs to loans | 0.2524% | 4,197 |
| Credit loss provision to net charge-offs | 71.6578% | 4,789 |
| Earnings coverage of net charge-offs (x) | 5.1604% | 2,883 |
| Efficiency ratio | 76.7470% | 2,779 |
| Assets per employee ($millions) | 4.4621% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3244% | 7,205 |
| Loan loss allowance to noncurrent loans | 65.0704% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 6,231 |
| Noncurrent loans to loans | 0.4985% | 5,711 |
| Net loans and leases to total assets | 58.9216% | 4,209 |
| Net loans and leases to deposits | 78.0223% | 2,837 |
| Net loans and leases to core deposits | 84.4611% | 2,822 |
| Total domestic deposits to total assets | 75.5190% | 6,540 |
| Equity capital to assets | 15.6868% | 634 |
| Core capital (leverage) ratio | 14.8784% | 623 |
| Tier 1 risk-based capital ratio | 29.2118% | 555 |
| Total risk-based capital ratio | 29.5862% | 593 |
| Memoranda: | ||
| Average total assets | $122,536,400 | 4,333 |
| Average earning assets | $112,942,000 | 4,310 |
| Average equity | $18,504,200 | 3,360 |
| Average total loans | $74,080,000 | 4,345 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 4,448 |
| Cost of funding earning assets | 1.5622% | 685 |
| Net interest margin | 3.1409% | 6,310 |
| Noninterest income to average assets | 0.4486% | 4,305 |
| Noninterest expense to average assets | 2.5994% | 5,080 |
| Loan and lease loss provision to assets | 0.0802% | 5,437 |
| Net operating income to assets | 0.4883% | 4,590 |
| Return on assets (ROA) | 0.5255% | 4,608 |
| Pretax return on assets | 0.7151% | 4,419 |
| Return on Equity (ROE) | 3.5134% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.5134% | 4,238 |
| Net charge-offs to loans | 0.2906% | 3,634 |
| Credit loss provision to net charge-offs | 45.3988% | 5,134 |
| Earnings coverage of net charge-offs (x) | 4.2147% | 3,141 |
| Efficiency ratio | 77.7382% | 2,580 |
| Assets per employee ($millions) | 4.5649% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2649% | 7,304 |
| Loan loss allowance to noncurrent loans | 51.3158% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 6,141 |
| Noncurrent loans to loans | 0.5162% | 5,815 |
| Net loans and leases to total assets | 59.5718% | 4,216 |
| Net loans and leases to deposits | 81.0178% | 2,521 |
| Net loans and leases to core deposits | 88.2691% | 2,453 |
| Total domestic deposits to total assets | 73.5292% | 6,809 |
| Equity capital to assets | 15.2921% | 773 |
| Core capital (leverage) ratio | 14.5123% | 769 |
| Tier 1 risk-based capital ratio | 29.2000% | 589 |
| Total risk-based capital ratio | 29.5186% | 624 |
| Memoranda: | ||
| Average total assets | $123,051,250 | 4,340 |
| Average earning assets | $113,426,000 | 4,315 |
| Average equity | $18,405,500 | 3,378 |
| Average total loans | $74,795,500 | 4,354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 4,342 |
| Cost of funding earning assets | 1.6225% | 642 |
| Net interest margin | 3.1196% | 6,369 |
| Noninterest income to average assets | 0.4277% | 4,448 |
| Noninterest expense to average assets | 2.6247% | 5,092 |
| Loan and lease loss provision to assets | 0.0618% | 5,527 |
| Net operating income to assets | 0.4541% | 4,699 |
| Return on assets (ROA) | 0.5106% | 4,593 |
| Pretax return on assets | 0.6911% | 4,414 |
| Return on Equity (ROE) | 3.4396% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.4396% | 4,068 |
| Net charge-offs to loans | 0.1490% | 4,296 |
| Credit loss provision to net charge-offs | 67.8571% | 4,117 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,224 |
| Efficiency ratio | 79.5074% | 2,465 |
| Assets per employee ($millions) | 4.3798% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3602% | 7,318 |
| Loan loss allowance to noncurrent loans | 63.0332% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 6,221 |
| Noncurrent loans to loans | 0.5714% | 5,783 |
| Net loans and leases to total assets | 60.0059% | 4,272 |
| Net loans and leases to deposits | 79.9998% | 2,799 |
| Net loans and leases to core deposits | 87.8053% | 2,667 |
| Total domestic deposits to total assets | 75.0075% | 6,724 |
| Equity capital to assets | 15.0873% | 802 |
| Core capital (leverage) ratio | 14.3627% | 794 |
| Tier 1 risk-based capital ratio | 28.2653% | 644 |
| Total risk-based capital ratio | 28.6901% | 688 |
| Memoranda: | ||
| Average total assets | $122,984,000 | 4,363 |
| Average earning assets | $113,284,000 | 4,352 |
| Average equity | $18,258,000 | 3,379 |
| Average total loans | $75,187,670 | 4,383 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 3,978 |
| Cost of funding earning assets | 1.6822% | 598 |
| Net interest margin | 3.1352% | 6,254 |
| Noninterest income to average assets | 0.4222% | 4,520 |
| Noninterest expense to average assets | 2.6340% | 5,101 |
| Loan and lease loss provision to assets | 0.0487% | 5,392 |
| Net operating income to assets | 0.4470% | 4,734 |
| Return on assets (ROA) | 0.5554% | 4,336 |
| Pretax return on assets | 0.7795% | 3,975 |
| Return on Equity (ROE) | 3.7715% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.7715% | 3,909 |
| Net charge-offs to loans | 0.1477% | 3,603 |
| Credit loss provision to net charge-offs | 53.5714% | 3,677 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 1,948 |
| Efficiency ratio | 79.5878% | 2,605 |
| Assets per employee ($millions) | 4.2569% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3622% | 7,368 |
| Loan loss allowance to noncurrent loans | 88.8525% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 6,466 |
| Noncurrent loans to loans | 0.4077% | 6,184 |
| Net loans and leases to total assets | 60.3820% | 4,191 |
| Net loans and leases to deposits | 80.4110% | 2,635 |
| Net loans and leases to core deposits | 87.3797% | 2,683 |
| Total domestic deposits to total assets | 75.0917% | 6,777 |
| Equity capital to assets | 14.7267% | 829 |
| Core capital (leverage) ratio | 14.2447% | 794 |
| Tier 1 risk-based capital ratio | 26.9008% | 717 |
| Total risk-based capital ratio | 27.3160% | 762 |
| Memoranda: | ||
| Average total assets | $123,159,500 | 4,391 |
| Average earning assets | $113,420,500 | 4,367 |
| Average equity | $18,136,000 | 3,381 |
| Average total loans | $75,855,000 | 4,389 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0984% | 4,103 |
| Cost of funding earning assets | 1.8713% | 936 |
| Net interest margin | 3.2271% | 6,200 |
| Noninterest income to average assets | 0.4210% | 4,733 |
| Noninterest expense to average assets | 2.4932% | 5,825 |
| Loan and lease loss provision to assets | 0.0627% | 6,513 |
| Net operating income to assets | 0.5624% | 3,839 |
| Return on assets (ROA) | 0.5624% | 3,997 |
| Pretax return on assets | 0.8429% | 3,491 |
| Return on Equity (ROE) | 3.9162% | 4,563 |
| Retained earnings to average equity (ytd only) | 3.9162% | 3,118 |
| Net charge-offs to loans | 0.0649% | 6,145 |
| Credit loss provision to net charge-offs | 156.0000% | 2,266 |
| Earnings coverage of net charge-offs (x) | 22.5400% | 929 |
| Efficiency ratio | 73.3570% | 3,516 |
| Assets per employee ($millions) | 4.2369% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3693% | 7,445 |
| Loan loss allowance to noncurrent loans | 94.6667% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,536 |
| Noncurrent loans to loans | 0.3901% | 6,269 |
| Net loans and leases to total assets | 62.3537% | 4,213 |
| Net loans and leases to deposits | 84.0370% | 2,441 |
| Net loans and leases to core deposits | 90.7910% | 2,651 |
| Total domestic deposits to total assets | 74.1979% | 6,866 |
| Equity capital to assets | 14.7245% | 855 |
| Core capital (leverage) ratio | 14.0866% | 827 |
| Tier 1 risk-based capital ratio | 26.9613% | 675 |
| Total risk-based capital ratio | 27.4017% | 728 |
| Memoranda: | ||
| Average total assets | $124,458,200 | 4,392 |
| Average earning assets | $114,839,200 | 4,348 |
| Average equity | $17,874,600 | 3,446 |
| Average total loans | $77,090,200 | 4,419 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 4,291 |
| Cost of funding earning assets | 1.9146% | 984 |
| Net interest margin | 3.1907% | 6,374 |
| Noninterest income to average assets | 0.4111% | 4,871 |
| Noninterest expense to average assets | 2.4476% | 5,896 |
| Loan and lease loss provision to assets | 0.0662% | 6,399 |
| Net operating income to assets | 0.5617% | 4,044 |
| Return on assets (ROA) | 0.5617% | 4,212 |
| Pretax return on assets | 0.8426% | 3,764 |
| Return on Equity (ROE) | 3.9355% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.9355% | 3,704 |
| Net charge-offs to loans | 0.0432% | 6,105 |
| Credit loss provision to net charge-offs | 248.0000% | 1,349 |
| Earnings coverage of net charge-offs (x) | 34.0426% | 786 |
| Efficiency ratio | 72.9240% | 3,540 |
| Assets per employee ($millions) | 4.2826% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3803% | 7,546 |
| Loan loss allowance to noncurrent loans | 81.6156% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 6,535 |
| Noncurrent loans to loans | 0.4659% | 6,260 |
| Net loans and leases to total assets | 61.8012% | 4,573 |
| Net loans and leases to deposits | 85.2671% | 2,472 |
| Net loans and leases to core deposits | 91.3227% | 2,900 |
| Total domestic deposits to total assets | 72.4796% | 7,086 |
| Equity capital to assets | 14.6318% | 985 |
| Core capital (leverage) ratio | 13.9835% | 922 |
| Tier 1 risk-based capital ratio | 26.0493% | 769 |
| Total risk-based capital ratio | 26.4927% | 823 |
| Memoranda: | ||
| Average total assets | $124,855,250 | 4,446 |
| Average earning assets | $115,250,250 | 4,398 |
| Average equity | $17,820,250 | 3,504 |
| Average total loans | $77,138,250 | 4,495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 3,952 |
| Cost of funding earning assets | 1.9556% | 1,025 |
| Net interest margin | 3.2460% | 6,179 |
| Noninterest income to average assets | 0.3998% | 4,917 |
| Noninterest expense to average assets | 2.4465% | 5,922 |
| Loan and lease loss provision to assets | 0.0640% | 6,313 |
| Net operating income to assets | 0.6108% | 3,835 |
| Return on assets (ROA) | 0.6108% | 3,966 |
| Pretax return on assets | 0.8859% | 3,556 |
| Return on Equity (ROE) | 4.3157% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.3157% | 3,332 |
| Net charge-offs to loans | 0.0233% | 6,009 |
| Credit loss provision to net charge-offs | 444.4444% | 815 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 471 |
| Efficiency ratio | 72.0339% | 3,810 |
| Assets per employee ($millions) | 4.2828% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3684% | 7,619 |
| Loan loss allowance to noncurrent loans | 78.4153% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,629 |
| Noncurrent loans to loans | 0.4698% | 6,311 |
| Net loans and leases to total assets | 62.4931% | 4,581 |
| Net loans and leases to deposits | 87.4873% | 2,264 |
| Net loans and leases to core deposits | 92.7003% | 2,889 |
| Total domestic deposits to total assets | 71.4310% | 7,227 |
| Equity capital to assets | 14.5063% | 1,009 |
| Core capital (leverage) ratio | 13.9027% | 947 |
| Tier 1 risk-based capital ratio | 26.6000% | 726 |
| Total risk-based capital ratio | 27.0473% | 771 |
| Memoranda: | ||
| Average total assets | $125,075,330 | 4,471 |
| Average earning assets | $115,464,670 | 4,428 |
| Average equity | $17,703,000 | 3,512 |
| Average total loans | $77,168,670 | 4,536 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3188% | 3,453 |
| Cost of funding earning assets | 1.9894% | 1,131 |
| Net interest margin | 3.3294% | 5,864 |
| Noninterest income to average assets | 0.3697% | 5,187 |
| Noninterest expense to average assets | 2.3360% | 6,294 |
| Loan and lease loss provision to assets | 0.0765% | 5,879 |
| Net operating income to assets | 0.6788% | 3,528 |
| Return on assets (ROA) | 0.6788% | 3,645 |
| Pretax return on assets | 1.0294% | 2,971 |
| Return on Equity (ROE) | 4.8558% | 4,444 |
| Retained earnings to average equity (ytd only) | 4.8558% | 3,238 |
| Net charge-offs to loans | 0.0521% | 4,887 |
| Credit loss provision to net charge-offs | 240.0000% | 1,600 |
| Earnings coverage of net charge-offs (x) | 34.7000% | 784 |
| Efficiency ratio | 67.8704% | 4,743 |
| Assets per employee ($millions) | 4.2856% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3537% | 7,718 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,631 |
| Noncurrent loans to loans | 0.5188% | 6,253 |
| Net loans and leases to total assets | 61.2008% | 4,905 |
| Net loans and leases to deposits | 85.6215% | 2,665 |
| Net loans and leases to core deposits | 90.3767% | 3,314 |
| Total domestic deposits to total assets | 71.4783% | 7,314 |
| Equity capital to assets | 14.2017% | 1,096 |
| Core capital (leverage) ratio | 13.5515% | 1,072 |
| Tier 1 risk-based capital ratio | 25.8269% | 790 |
| Total risk-based capital ratio | 26.2396% | 844 |
| Memoranda: | ||
| Average total assets | $125,512,500 | 4,510 |
| Average earning assets | $115,816,500 | 4,476 |
| Average equity | $17,546,000 | 3,560 |
| Average total loans | $76,801,000 | 4,616 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4626% | 4,369 |
| Cost of funding earning assets | 2.3937% | 1,317 |
| Net interest margin | 3.0690% | 6,472 |
| Noninterest income to average assets | 0.3959% | 5,234 |
| Noninterest expense to average assets | 2.5338% | 6,014 |
| Loan and lease loss provision to assets | 0.0526% | 7,039 |
| Net operating income to assets | 0.4663% | 3,873 |
| Return on assets (ROA) | 0.4663% | 3,989 |
| Pretax return on assets | 0.6460% | 3,763 |
| Return on Equity (ROE) | 3.3900% | 4,338 |
| Retained earnings to average equity (ytd only) | 3.3900% | 2,793 |
| Net charge-offs to loans | 0.0422% | 6,686 |
| Credit loss provision to net charge-offs | 209.6774% | 1,830 |
| Earnings coverage of net charge-offs (x) | 27.8387% | 819 |
| Efficiency ratio | 78.3872% | 3,130 |
| Assets per employee ($millions) | 4.2248% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3313% | 7,807 |
| Loan loss allowance to noncurrent loans | 55.1724% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 6,529 |
| Noncurrent loans to loans | 0.6005% | 6,041 |
| Net loans and leases to total assets | 60.7642% | 5,222 |
| Net loans and leases to deposits | 88.2137% | 2,523 |
| Net loans and leases to core deposits | 115.2229% | 2,394 |
| Total domestic deposits to total assets | 68.8829% | 7,497 |
| Equity capital to assets | 13.7616% | 1,231 |
| Core capital (leverage) ratio | 13.3800% | 1,133 |
| Tier 1 risk-based capital ratio | 24.7295% | 878 |
| Total risk-based capital ratio | 25.1089% | 943 |
| Memoranda: | ||
| Average total assets | $123,528,200 | 4,483 |
| Average earning assets | $114,175,800 | 4,446 |
| Average equity | $16,991,400 | 3,673 |
| Average total loans | $73,521,200 | 4,748 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 4,517 |
| Cost of funding earning assets | 2.4751% | 1,376 |
| Net interest margin | 3.0052% | 6,597 |
| Noninterest income to average assets | 0.3803% | 5,476 |
| Noninterest expense to average assets | 2.5314% | 5,965 |
| Loan and lease loss provision to assets | 0.0424% | 6,944 |
| Net operating income to assets | 0.4650% | 4,144 |
| Return on assets (ROA) | 0.4650% | 4,241 |
| Pretax return on assets | 0.5845% | 4,234 |
| Return on Equity (ROE) | 3.3809% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.3809% | 3,410 |
| Net charge-offs to loans | 0.0423% | 6,311 |
| Credit loss provision to net charge-offs | 169.5652% | 2,753 |
| Earnings coverage of net charge-offs (x) | 25.0835% | 1,064 |
| Efficiency ratio | 80.1514% | 2,819 |
| Assets per employee ($millions) | 4.3194% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3129% | 7,900 |
| Loan loss allowance to noncurrent loans | 56.0000% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 6,429 |
| Noncurrent loans to loans | 0.5587% | 6,197 |
| Net loans and leases to total assets | 60.5387% | 5,493 |
| Net loans and leases to deposits | 88.9629% | 2,787 |
| Net loans and leases to core deposits | 115.4603% | 2,677 |
| Total domestic deposits to total assets | 68.0494% | 7,568 |
| Equity capital to assets | 13.7887% | 1,379 |
| Core capital (leverage) ratio | 13.5777% | 1,212 |
| Tier 1 risk-based capital ratio | 25.7558% | 835 |
| Total risk-based capital ratio | 26.1264% | 888 |
| Memoranda: | ||
| Average total assets | $122,724,250 | 4,528 |
| Average earning assets | $113,445,250 | 4,500 |
| Average equity | $16,878,750 | 3,728 |
| Average total loans | $72,583,750 | 4,824 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 4,645 |
| Cost of funding earning assets | 2.5585% | 1,411 |
| Net interest margin | 2.9403% | 6,708 |
| Noninterest income to average assets | 0.3774% | 5,485 |
| Noninterest expense to average assets | 2.5599% | 5,900 |
| Loan and lease loss provision to assets | 0.0394% | 6,842 |
| Net operating income to assets | 0.4037% | 4,501 |
| Return on assets (ROA) | 0.4037% | 4,612 |
| Pretax return on assets | 0.4956% | 4,629 |
| Return on Equity (ROE) | 2.9377% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.9377% | 3,695 |
| Net charge-offs to loans | 0.0532% | 5,746 |
| Credit loss provision to net charge-offs | 126.3158% | 3,676 |
| Earnings coverage of net charge-offs (x) | 17.1579% | 1,493 |
| Efficiency ratio | 82.7147% | 2,637 |
| Assets per employee ($millions) | 4.0543% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3110% | 7,981 |
| Loan loss allowance to noncurrent loans | 111.2745% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 7,127 |
| Noncurrent loans to loans | 0.2795% | 6,822 |
| Net loans and leases to total assets | 59.8185% | 5,707 |
| Net loans and leases to deposits | 85.7436% | 3,590 |
| Net loans and leases to core deposits | 110.4724% | 3,330 |
| Total domestic deposits to total assets | 69.7644% | 7,495 |
| Equity capital to assets | 13.8463% | 1,371 |
| Core capital (leverage) ratio | 13.4717% | 1,280 |
| Tier 1 risk-based capital ratio | 26.8380% | 790 |
| Total risk-based capital ratio | 27.2105% | 840 |
| Memoranda: | ||
| Average total assets | $121,878,330 | 4,585 |
| Average earning assets | $112,642,670 | 4,547 |
| Average equity | $16,747,670 | 3,767 |
| Average total loans | $71,421,670 | 4,907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 4,906 |
| Cost of funding earning assets | 2.5927% | 1,588 |
| Net interest margin | 2.9084% | 6,725 |
| Noninterest income to average assets | 0.4131% | 5,109 |
| Noninterest expense to average assets | 2.3278% | 6,441 |
| Loan and lease loss provision to assets | 0.0459% | 6,401 |
| Net operating income to assets | 0.5606% | 4,181 |
| Return on assets (ROA) | 0.5606% | 4,366 |
| Pretax return on assets | 0.7278% | 4,332 |
| Return on Equity (ROE) | 4.0956% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.0956% | 3,621 |
| Net charge-offs to loans | 0.1132% | 4,061 |
| Credit loss provision to net charge-offs | 70.0000% | 4,352 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,848 |
| Efficiency ratio | 75.0529% | 3,652 |
| Assets per employee ($millions) | 4.0808% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3031% | 8,029 |
| Loan loss allowance to noncurrent loans | 122.0339% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 7,051 |
| Noncurrent loans to loans | 0.2483% | 6,829 |
| Net loans and leases to total assets | 58.0438% | 5,932 |
| Net loans and leases to deposits | 85.0314% | 3,815 |
| Net loans and leases to core deposits | 108.3530% | 3,631 |
| Total domestic deposits to total assets | 68.2617% | 7,578 |
| Equity capital to assets | 13.7572% | 1,435 |
| Core capital (leverage) ratio | 13.4691% | 1,331 |
| Tier 1 risk-based capital ratio | 25.7559% | 909 |
| Total risk-based capital ratio | 26.0976% | 968 |
| Memoranda: | ||
| Average total assets | $122,003,500 | 4,593 |
| Average earning assets | $112,777,000 | 4,564 |
| Average equity | $16,701,000 | 3,794 |
| Average total loans | $70,641,000 | 4,963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7485% | 6,606 |
| Cost of funding earning assets | 2.9961% | 1,879 |
| Net interest margin | 2.7524% | 7,405 |
| Noninterest income to average assets | 0.4132% | 5,366 |
| Noninterest expense to average assets | 2.4344% | 6,279 |
| Loan and lease loss provision to assets | 0.0280% | 7,052 |
| Net operating income to assets | 0.4115% | 5,107 |
| Return on assets (ROA) | 0.4115% | 4,921 |
| Pretax return on assets | 0.4931% | 4,993 |
| Return on Equity (ROE) | 3.0991% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.0991% | 3,229 |
| Net charge-offs to loans | 0.0234% | 6,521 |
| Credit loss provision to net charge-offs | 212.5000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 945 |
| Efficiency ratio | 82.3661% | 2,257 |
| Assets per employee ($millions) | 4.1926% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3171% | 8,073 |
| Loan loss allowance to noncurrent loans | 43.1907% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 5,878 |
| Noncurrent loans to loans | 0.7342% | 5,193 |
| Net loans and leases to total assets | 57.3965% | 6,292 |
| Net loans and leases to deposits | 88.0857% | 3,794 |
| Net loans and leases to core deposits | 112.8659% | 3,464 |
| Total domestic deposits to total assets | 65.1599% | 7,710 |
| Equity capital to assets | 13.6202% | 1,563 |
| Core capital (leverage) ratio | 13.2124% | 1,473 |
| Tier 1 risk-based capital ratio | 27.2795% | 813 |
| Total risk-based capital ratio | 27.6555% | 849 |
| Memoranda: | ||
| Average total assets | $121,262,200 | 4,490 |
| Average earning assets | $112,012,400 | 4,470 |
| Average equity | $16,101,200 | 3,910 |
| Average total loans | $68,427,200 | 4,929 |