Home > Milton Savings Bank > Performance and Condition Ratios
Milton 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 | 3.4144% | 4,429 |
| Cost of funding earning assets | 0.9511% | 3,409 |
| Net interest margin | 2.4633% | 4,129 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 2.7334% | 1,657 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | -0.1753% | 4,451 |
| Return on assets (ROA) | -0.1753% | 4,437 |
| Pretax return on assets | -0.4081% | 4,473 |
| Return on Equity (ROE) | -1.0200% | 4,388 |
| Retained earnings to average equity (ytd only) | -1.0166% | 4,187 |
| 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 | 112.9978% | 96 |
| Assets per employee ($millions) | 5.7298% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 3,502 |
| Loan loss allowance to noncurrent loans | 386.5385% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,591 |
| Noncurrent loans to loans | 0.2477% | 2,313 |
| Net loans and leases to total assets | 55.8400% | 3,208 |
| Net loans and leases to deposits | 76.3362% | 2,422 |
| Net loans and leases to core deposits | 80.4141% | 2,684 |
| Total domestic deposits to total assets | 73.1500% | 4,156 |
| Equity capital to assets | 17.9857% | 351 |
| Core capital (leverage) ratio | 22.7908% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.6748% | 103 |
| Memoranda: | ||
| Average total assets | $74,741,400 | 4,067 |
| Average earning assets | $72,018,600 | 4,017 |
| Average equity | $12,886,200 | 3,438 |
| Average total loans | $41,244,400 | 3,975 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3827% | 4,424 |
| Cost of funding earning assets | 0.8734% | 3,336 |
| Net interest margin | 2.5092% | 4,132 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.6183% | 1,885 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | -0.0766% | 4,465 |
| Return on assets (ROA) | -0.0766% | 4,450 |
| Pretax return on assets | -0.2727% | 4,486 |
| Return on Equity (ROE) | -0.4500% | 4,411 |
| Retained earnings to average equity (ytd only) | -0.4494% | 4,202 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 106.2952% | 122 |
| Assets per employee ($millions) | 5.1499% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,512 |
| Loan loss allowance to noncurrent loans | 211.1702% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 1,958 |
| Noncurrent loans to loans | 0.4574% | 1,679 |
| Net loans and leases to total assets | 56.4500% | 3,162 |
| Net loans and leases to deposits | 74.8231% | 2,506 |
| Net loans and leases to core deposits | 78.1038% | 2,736 |
| Total domestic deposits to total assets | 75.4500% | 4,064 |
| Equity capital to assets | 16.9614% | 400 |
| Core capital (leverage) ratio | 22.2969% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.5559% | 99 |
| Memoranda: | ||
| Average total assets | $74,805,000 | 4,083 |
| Average earning assets | $72,051,750 | 4,032 |
| Average equity | $12,758,500 | 3,446 |
| Average total loans | $41,057,250 | 3,983 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 4,457 |
| Cost of funding earning assets | 0.7967% | 3,213 |
| Net interest margin | 2.5106% | 4,198 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 2.5387% | 2,100 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | -0.0687% | 4,501 |
| Return on assets (ROA) | -0.0687% | 4,491 |
| Pretax return on assets | -0.2536% | 4,521 |
| Return on Equity (ROE) | -0.4000% | 4,455 |
| Retained earnings to average equity (ytd only) | -0.4020% | 4,154 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.8908% | 141 |
| Assets per employee ($millions) | 5.3364% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,531 |
| 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 | 54.6600% | 3,221 |
| Net loans and leases to deposits | 72.4566% | 2,616 |
| Net loans and leases to core deposits | 76.5961% | 2,720 |
| Total domestic deposits to total assets | 75.4400% | 4,089 |
| Equity capital to assets | 17.3500% | 371 |
| Core capital (leverage) ratio | 21.7604% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.6598% | 96 |
| Memoranda: | ||
| Average total assets | $75,707,000 | 4,094 |
| Average earning assets | $73,049,667 | 4,038 |
| Average equity | $12,935,000 | 3,441 |
| Average total loans | $41,043,000 | 4,002 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2397% | 4,471 |
| Cost of funding earning assets | 0.7338% | 2,948 |
| Net interest margin | 2.5059% | 4,294 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 2.7557% | 1,539 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -0.0997% | 4,532 |
| Return on assets (ROA) | -0.0997% | 4,516 |
| Pretax return on assets | -0.2992% | 4,546 |
| Return on Equity (ROE) | -0.5900% | 4,474 |
| Retained earnings to average equity (ytd only) | -0.5882% | 4,096 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 111.9403% | 95 |
| Assets per employee ($millions) | 5.9115% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,083 |
| 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 | 53.7400% | 3,222 |
| Net loans and leases to deposits | 71.1007% | 2,534 |
| Net loans and leases to core deposits | 74.6395% | 2,632 |
| Total domestic deposits to total assets | 75.5900% | 4,184 |
| Equity capital to assets | 17.2338% | 335 |
| Core capital (leverage) ratio | 21.9826% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.2371% | 97 |
| Memoranda: | ||
| Average total assets | $76,206,000 | 4,146 |
| Average earning assets | $73,587,000 | 4,090 |
| Average equity | $12,921,500 | 3,482 |
| Average total loans | $40,945,500 | 4,052 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 4,011 |
| Cost of funding earning assets | 0.4933% | 1,440 |
| Net interest margin | 2.5948% | 4,184 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 2.7411% | 1,460 |
| Loan and lease loss provision to assets | -0.2600% | 4,653 |
| Net operating income to assets | 0.1242% | 4,495 |
| Return on assets (ROA) | 0.1242% | 4,484 |
| Pretax return on assets | 0.0581% | 4,520 |
| Return on Equity (ROE) | 0.6900% | 4,509 |
| Retained earnings to average equity (ytd only) | 0.6903% | 4,245 |
| Net charge-offs to loans | 0.0202% | 1,688 |
| Credit loss provision to net charge-offs | -2,450.0000% | 4,691 |
| Earnings coverage of net charge-offs (x) | -19.0000% | 4,704 |
| Efficiency ratio | 107.9043% | 100 |
| Assets per employee ($millions) | 5.8125% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,861 |
| Loan loss allowance to noncurrent loans | 478.1818% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,518 |
| Noncurrent loans to loans | 0.2732% | 2,178 |
| Net loans and leases to total assets | 52.5800% | 3,318 |
| Net loans and leases to deposits | 67.3464% | 2,783 |
| Net loans and leases to core deposits | 70.3079% | 2,852 |
| Total domestic deposits to total assets | 78.0700% | 4,083 |
| Equity capital to assets | 16.6735% | 350 |
| Core capital (leverage) ratio | 21.8338% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.6870% | 94 |
| Memoranda: | ||
| Average total assets | $75,700,400 | 4,173 |
| Average earning assets | $73,377,600 | 4,118 |
| Average equity | $13,616,800 | 3,515 |
| Average total loans | $39,630,400 | 4,071 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0428% | 3,807 |
| Cost of funding earning assets | 0.4609% | 930 |
| Net interest margin | 2.5819% | 4,126 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.6284% | 1,647 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.0370% | 4,574 |
| Return on assets (ROA) | 0.0370% | 4,545 |
| Pretax return on assets | -0.0704% | 4,588 |
| Return on Equity (ROE) | 0.2000% | 4,553 |
| Retained earnings to average equity (ytd only) | 0.2019% | 4,309 |
| Net charge-offs to loans | 0.0270% | 1,283 |
| Credit loss provision to net charge-offs | -37.5000% | 4,628 |
| Earnings coverage of net charge-offs (x) | -5.3750% | 4,727 |
| Efficiency ratio | 102.9655% | 137 |
| Assets per employee ($millions) | 5.7640% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 733 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 52.5200% | 3,232 |
| Net loans and leases to deposits | 66.9132% | 2,638 |
| Net loans and leases to core deposits | 69.1982% | 2,704 |
| Total domestic deposits to total assets | 78.4900% | 4,221 |
| Equity capital to assets | 16.1653% | 361 |
| Core capital (leverage) ratio | 21.1868% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.4390% | 99 |
| Memoranda: | ||
| Average total assets | $75,734,750 | 4,203 |
| Average earning assets | $73,484,000 | 4,145 |
| Average equity | $13,871,250 | 3,529 |
| Average total loans | $39,473,750 | 4,092 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9672% | 3,636 |
| Cost of funding earning assets | 0.4003% | 917 |
| Net interest margin | 2.5668% | 3,964 |
| Noninterest income to average assets | 0.0447% | 4,645 |
| Noninterest expense to average assets | 2.6289% | 1,558 |
| Loan and lease loss provision to assets | -0.0105% | 4,399 |
| Net operating income to assets | 0.0263% | 4,563 |
| Return on assets (ROA) | 0.0263% | 4,534 |
| Pretax return on assets | -0.0763% | 4,566 |
| Return on Equity (ROE) | 0.1383% | 4,542 |
| Retained earnings to average equity (ytd only) | 0.1383% | 4,162 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4161% | 157 |
| Assets per employee ($millions) | 5.8697% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8617% | 725 |
| Loan loss allowance to noncurrent loans | 451.5528% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,262 |
| Noncurrent loans to loans | 0.4123% | 1,880 |
| Net loans and leases to total assets | 50.2228% | 3,353 |
| Net loans and leases to deposits | 64.9432% | 2,648 |
| Net loans and leases to core deposits | 66.5700% | 2,775 |
| Total domestic deposits to total assets | 77.3334% | 4,393 |
| Equity capital to assets | 17.0249% | 279 |
| Core capital (leverage) ratio | 20.8854% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.6854% | 56 |
| Memoranda: | ||
| Average total assets | $76,002,333 | 4,247 |
| Average earning assets | $73,943,000 | 4,191 |
| Average equity | $14,457,333 | 3,547 |
| Average total loans | $39,274,000 | 4,152 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 3,596 |
| Cost of funding earning assets | 0.3998% | 873 |
| Net interest margin | 2.4743% | 3,946 |
| Noninterest income to average assets | 0.0422% | 4,673 |
| Noninterest expense to average assets | 2.6209% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0264% | 4,560 |
| Return on assets (ROA) | -0.0264% | 4,539 |
| Pretax return on assets | -0.1635% | 4,605 |
| Return on Equity (ROE) | -0.1317% | 4,537 |
| Retained earnings to average equity (ytd only) | -0.1317% | 4,032 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6524% | 162 |
| Assets per employee ($millions) | 5.9999% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 794 |
| Loan loss allowance to noncurrent loans | 303.3195% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 1,882 |
| Noncurrent loans to loans | 0.6141% | 1,524 |
| Net loans and leases to total assets | 49.3776% | 3,236 |
| Net loans and leases to deposits | 64.9718% | 2,437 |
| Net loans and leases to core deposits | 66.5768% | 2,573 |
| Total domestic deposits to total assets | 75.9984% | 4,502 |
| Equity capital to assets | 18.4605% | 213 |
| Core capital (leverage) ratio | 20.8215% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.6174% | 57 |
| Memoranda: | ||
| Average total assets | $75,850,500 | 4,275 |
| Average earning assets | $74,041,000 | 4,214 |
| Average equity | $15,190,500 | 3,545 |
| Average total loans | $39,386,000 | 4,166 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8448% | 4,137 |
| Cost of funding earning assets | 0.4295% | 1,337 |
| Net interest margin | 2.4153% | 4,307 |
| Noninterest income to average assets | 0.0275% | 4,760 |
| Noninterest expense to average assets | 3.0052% | 972 |
| Loan and lease loss provision to assets | 0.0523% | 2,011 |
| Net operating income to assets | -0.3676% | 4,748 |
| Return on assets (ROA) | -0.3676% | 4,750 |
| Pretax return on assets | -0.6608% | 4,776 |
| Return on Equity (ROE) | -1.6422% | 4,726 |
| Retained earnings to average equity (ytd only) | -1.6422% | 4,610 |
| Net charge-offs to loans | 0.0454% | 1,378 |
| Credit loss provision to net charge-offs | 211.1111% | 1,280 |
| Earnings coverage of net charge-offs (x) | -24.5556% | 2,687 |
| Efficiency ratio | 125.3877% | 60 |
| Assets per employee ($millions) | 5.6694% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 795 |
| Loan loss allowance to noncurrent loans | 313.7339% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 1,970 |
| Noncurrent loans to loans | 0.5895% | 1,668 |
| Net loans and leases to total assets | 52.6390% | 2,994 |
| Net loans and leases to deposits | 67.5300% | 2,349 |
| Net loans and leases to core deposits | 69.2526% | 2,523 |
| Total domestic deposits to total assets | 77.9490% | 4,399 |
| Equity capital to assets | 21.6846% | 129 |
| Core capital (leverage) ratio | 21.5806% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.9015% | 52 |
| Memoranda: | ||
| Average total assets | $72,640,800 | 4,308 |
| Average earning assets | $71,253,600 | 4,249 |
| Average equity | $16,258,200 | 3,519 |
| Average total loans | $39,619,000 | 4,198 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8544% | 4,231 |
| Cost of funding earning assets | 0.4282% | 1,494 |
| Net interest margin | 2.4263% | 4,366 |
| Noninterest income to average assets | 0.0221% | 4,846 |
| Noninterest expense to average assets | 2.7099% | 1,564 |
| Loan and lease loss provision to assets | 0.0456% | 2,085 |
| Net operating income to assets | -0.1603% | 4,787 |
| Return on assets (ROA) | -0.1603% | 4,794 |
| Pretax return on assets | -0.3537% | 4,818 |
| Return on Equity (ROE) | -0.7105% | 4,778 |
| Retained earnings to average equity (ytd only) | -0.7105% | 4,636 |
| Net charge-offs to loans | 0.0067% | 2,069 |
| Credit loss provision to net charge-offs | 1,250.0000% | 457 |
| Earnings coverage of net charge-offs (x) | -83.5000% | 2,453 |
| Efficiency ratio | 112.8067% | 91 |
| Assets per employee ($millions) | 6.0922% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 894 |
| Loan loss allowance to noncurrent loans | 358.0488% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 2,378 |
| Noncurrent loans to loans | 0.5088% | 2,034 |
| Net loans and leases to total assets | 54.1091% | 2,959 |
| Net loans and leases to deposits | 69.8541% | 2,259 |
| Net loans and leases to core deposits | 71.3871% | 2,481 |
| Total domestic deposits to total assets | 77.4601% | 4,467 |
| Equity capital to assets | 22.2595% | 129 |
| Core capital (leverage) ratio | 22.0772% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.2696% | 49 |
| Memoranda: | ||
| Average total assets | $72,375,500 | 4,365 |
| Average earning assets | $70,999,250 | 4,303 |
| Average equity | $16,327,250 | 3,563 |
| Average total loans | $39,642,000 | 4,254 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9200% | 4,191 |
| Cost of funding earning assets | 0.4297% | 1,660 |
| Net interest margin | 2.4903% | 4,321 |
| Noninterest income to average assets | 0.0111% | 4,898 |
| Noninterest expense to average assets | 2.6285% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0333% | 4,778 |
| Return on assets (ROA) | -0.0333% | 4,791 |
| Pretax return on assets | -0.1747% | 4,827 |
| Return on Equity (ROE) | -0.1468% | 4,788 |
| Retained earnings to average equity (ytd only) | -0.1468% | 4,531 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1186% | 111 |
| Assets per employee ($millions) | 6.0175% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 848 |
| Loan loss allowance to noncurrent loans | 314.6018% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 2,349 |
| Noncurrent loans to loans | 0.5806% | 1,948 |
| Net loans and leases to total assets | 52.9165% | 3,263 |
| Net loans and leases to deposits | 68.6705% | 2,554 |
| Net loans and leases to core deposits | 70.2047% | 2,762 |
| Total domestic deposits to total assets | 77.0586% | 4,508 |
| Equity capital to assets | 22.6783% | 119 |
| Core capital (leverage) ratio | 22.2815% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.1624% | 53 |
| Memoranda: | ||
| Average total assets | $72,132,000 | 4,395 |
| Average earning assets | $70,754,000 | 4,330 |
| Average equity | $16,345,333 | 3,575 |
| Average total loans | $39,425,667 | 4,293 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0184% | 4,036 |
| Cost of funding earning assets | 0.4296% | 1,867 |
| Net interest margin | 2.5888% | 4,169 |
| Noninterest income to average assets | 0.0277% | 4,893 |
| Noninterest expense to average assets | 2.4635% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1665% | 4,664 |
| Return on assets (ROA) | 0.1665% | 4,682 |
| Pretax return on assets | 0.1054% | 4,725 |
| Return on Equity (ROE) | 0.7348% | 4,729 |
| Retained earnings to average equity (ytd only) | 0.7348% | 4,262 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8963% | 249 |
| Assets per employee ($millions) | 8.1696% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 883 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,078 |
| Noncurrent loans to loans | 0.3985% | 2,673 |
| Net loans and leases to total assets | 52.9622% | 3,354 |
| Net loans and leases to deposits | 68.3283% | 2,662 |
| Net loans and leases to core deposits | 69.8017% | 2,881 |
| Total domestic deposits to total assets | 77.5114% | 4,480 |
| Equity capital to assets | 22.1663% | 122 |
| Core capital (leverage) ratio | 22.6774% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.3143% | 49 |
| Memoranda: | ||
| Average total assets | $72,093,000 | 4,410 |
| Average earning assets | $70,765,500 | 4,348 |
| Average equity | $16,330,000 | 3,577 |
| Average total loans | $39,677,500 | 4,311 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 4,199 |
| Cost of funding earning assets | 0.4823% | 3,066 |
| Net interest margin | 2.9116% | 4,091 |
| Noninterest income to average assets | 0.0473% | 4,866 |
| Noninterest expense to average assets | 2.2213% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5753% | 3,828 |
| Return on assets (ROA) | 0.5753% | 3,935 |
| Pretax return on assets | 0.6832% | 3,916 |
| Return on Equity (ROE) | 2.4195% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.4195% | 3,652 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4766% | 1,172 |
| Assets per employee ($millions) | 7.8511% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 873 |
| Loan loss allowance to noncurrent loans | 538.6364% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 3,352 |
| Noncurrent loans to loans | 0.3325% | 3,015 |
| Net loans and leases to total assets | 55.1826% | 3,373 |
| Net loans and leases to deposits | 72.0886% | 2,677 |
| Net loans and leases to core deposits | 73.7284% | 2,934 |
| Total domestic deposits to total assets | 76.5483% | 4,461 |
| Equity capital to assets | 23.1560% | 114 |
| Core capital (leverage) ratio | 23.3432% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.0292% | 47 |
| Memoranda: | ||
| Average total assets | $67,619,000 | 4,418 |
| Average earning assets | $66,354,400 | 4,349 |
| Average equity | $16,077,800 | 3,544 |
| Average total loans | $40,266,800 | 4,306 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 4,215 |
| Cost of funding earning assets | 0.4877% | 3,308 |
| Net interest margin | 3.0116% | 3,946 |
| Noninterest income to average assets | 0.0459% | 4,897 |
| Noninterest expense to average assets | 2.1936% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6681% | 3,571 |
| Return on assets (ROA) | 0.6681% | 3,675 |
| Pretax return on assets | 0.8077% | 3,624 |
| Return on Equity (ROE) | 2.7904% | 4,431 |
| Retained earnings to average equity (ytd only) | 2.7904% | 3,611 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0897% | 1,515 |
| Assets per employee ($millions) | 7.6658% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 771 |
| Loan loss allowance to noncurrent loans | 7,110.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,417 |
| Noncurrent loans to loans | 0.0249% | 4,310 |
| Net loans and leases to total assets | 57.0907% | 3,512 |
| Net loans and leases to deposits | 75.0562% | 2,844 |
| Net loans and leases to core deposits | 76.8456% | 3,109 |
| Total domestic deposits to total assets | 76.0639% | 4,416 |
| Equity capital to assets | 23.5998% | 116 |
| Core capital (leverage) ratio | 23.1441% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.0508% | 50 |
| Memoranda: | ||
| Average total assets | $66,858,750 | 4,442 |
| Average earning assets | $65,610,750 | 4,372 |
| Average equity | $16,006,750 | 3,552 |
| Average total loans | $40,407,750 | 4,328 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5588% | 4,334 |
| Cost of funding earning assets | 0.4961% | 3,559 |
| Net interest margin | 3.0627% | 3,986 |
| Noninterest income to average assets | 0.0454% | 4,924 |
| Noninterest expense to average assets | 2.1830% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6954% | 3,400 |
| Return on assets (ROA) | 0.6954% | 3,505 |
| Pretax return on assets | 0.8678% | 3,406 |
| Return on Equity (ROE) | 2.8904% | 4,375 |
| Retained earnings to average equity (ytd only) | 2.8904% | 3,433 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5560% | 1,754 |
| Assets per employee ($millions) | 6.9770% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 56.5816% | 3,639 |
| Net loans and leases to deposits | 73.9450% | 3,079 |
| Net loans and leases to core deposits | 75.6772% | 3,308 |
| Total domestic deposits to total assets | 76.5186% | 4,375 |
| Equity capital to assets | 23.1833% | 122 |
| Core capital (leverage) ratio | 23.6142% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.5948% | 42 |
| Memoranda: | ||
| Average total assets | $66,147,667 | 4,456 |
| Average earning assets | $64,909,333 | 4,393 |
| Average equity | $15,915,000 | 3,557 |
| Average total loans | $40,510,667 | 4,342 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,341 |
| Cost of funding earning assets | 0.5265% | 3,817 |
| Net interest margin | 3.1968% | 3,862 |
| Noninterest income to average assets | 0.0560% | 4,959 |
| Noninterest expense to average assets | 2.4310% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6155% | 3,558 |
| Return on assets (ROA) | 0.6155% | 3,614 |
| Pretax return on assets | 0.7585% | 3,525 |
| Return on Equity (ROE) | 2.5087% | 4,335 |
| Retained earnings to average equity (ytd only) | 2.5087% | 3,261 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2183% | 1,540 |
| Assets per employee ($millions) | 5.9395% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 788 |
| Loan loss allowance to noncurrent loans | 212.2388% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,455 |
| Noncurrent loans to loans | 0.8240% | 1,957 |
| Net loans and leases to total assets | 61.1397% | 3,385 |
| Net loans and leases to deposits | 80.8587% | 2,592 |
| Net loans and leases to core deposits | 82.8855% | 2,945 |
| Total domestic deposits to total assets | 75.6130% | 4,521 |
| Equity capital to assets | 24.0533% | 126 |
| Core capital (leverage) ratio | 24.7420% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.4219% | 55 |
| Memoranda: | ||
| Average total assets | $64,336,500 | 4,493 |
| Average earning assets | $63,063,000 | 4,431 |
| Average equity | $15,785,000 | 3,576 |
| Average total loans | $40,672,000 | 4,360 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 4,490 |
| Cost of funding earning assets | 0.4919% | 4,129 |
| Net interest margin | 3.3708% | 3,822 |
| Noninterest income to average assets | 0.0551% | 5,027 |
| Noninterest expense to average assets | 2.2907% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8271% | 3,464 |
| Return on assets (ROA) | 0.8271% | 3,559 |
| Pretax return on assets | 1.0682% | 3,270 |
| Return on Equity (ROE) | 3.3717% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.3717% | 3,323 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1989% | 2,430 |
| Assets per employee ($millions) | 5.7581% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 724 |
| Loan loss allowance to noncurrent loans | 307.7922% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 2,942 |
| Noncurrent loans to loans | 0.5677% | 2,483 |
| Net loans and leases to total assets | 63.1159% | 3,303 |
| Net loans and leases to deposits | 84.5967% | 2,265 |
| Net loans and leases to core deposits | 86.8159% | 2,726 |
| Total domestic deposits to total assets | 74.6081% | 4,731 |
| Equity capital to assets | 25.0320% | 124 |
| Core capital (leverage) ratio | 24.9956% | 123 |
| Tier 1 risk-based capital ratio | 65.0228% | 78 |
| Total risk-based capital ratio | 66.2948% | 78 |
| Memoranda: | ||
| Average total assets | $63,472,800 | 4,537 |
| Average earning assets | $62,210,400 | 4,474 |
| Average equity | $15,570,600 | 3,584 |
| Average total loans | $41,603,600 | 4,373 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 4,534 |
| Cost of funding earning assets | 0.4799% | 4,223 |
| Net interest margin | 3.4258% | 3,787 |
| Noninterest income to average assets | 0.0504% | 5,112 |
| Noninterest expense to average assets | 2.1520% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9616% | 3,115 |
| Return on assets (ROA) | 0.9616% | 3,197 |
| Pretax return on assets | 1.2555% | 2,797 |
| Return on Equity (ROE) | 3.9398% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.9398% | 3,429 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1547% | 3,135 |
| Assets per employee ($millions) | 5.6582% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 791 |
| Loan loss allowance to noncurrent loans | 155.9211% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 1,872 |
| Noncurrent loans to loans | 1.1009% | 1,445 |
| Net loans and leases to total assets | 65.4065% | 3,128 |
| Net loans and leases to deposits | 88.0118% | 1,929 |
| Net loans and leases to core deposits | 90.4102% | 2,512 |
| Total domestic deposits to total assets | 74.3156% | 4,798 |
| Equity capital to assets | 25.3776% | 122 |
| Core capital (leverage) ratio | 24.8225% | 121 |
| Tier 1 risk-based capital ratio | 65.4639% | 80 |
| Total risk-based capital ratio | 66.7333% | 78 |
| Memoranda: | ||
| Average total assets | $63,506,250 | 4,591 |
| Average earning assets | $62,232,500 | 4,528 |
| Average equity | $15,499,500 | 3,629 |
| Average total loans | $41,832,500 | 4,424 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8981% | 4,556 |
| Cost of funding earning assets | 0.4633% | 4,268 |
| Net interest margin | 3.4348% | 3,786 |
| Noninterest income to average assets | 0.0501% | 5,167 |
| Noninterest expense to average assets | 2.1524% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9605% | 3,059 |
| Return on assets (ROA) | 0.9605% | 3,133 |
| Pretax return on assets | 1.2608% | 2,709 |
| Return on Equity (ROE) | 3.9868% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.9868% | 3,257 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0614% | 3,278 |
| Assets per employee ($millions) | 5.8123% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 832 |
| Loan loss allowance to noncurrent loans | 218.7692% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 2,511 |
| Noncurrent loans to loans | 0.7739% | 2,050 |
| Net loans and leases to total assets | 64.5718% | 3,280 |
| Net loans and leases to deposits | 85.7546% | 2,284 |
| Net loans and leases to core deposits | 88.0350% | 2,792 |
| Total domestic deposits to total assets | 75.2983% | 4,743 |
| Equity capital to assets | 24.4279% | 130 |
| Core capital (leverage) ratio | 24.0535% | 134 |
| Tier 1 risk-based capital ratio | 62.5336% | 85 |
| Total risk-based capital ratio | 63.7980% | 84 |
| Memoranda: | ||
| Average total assets | $63,928,330 | 4,627 |
| Average earning assets | $62,594,670 | 4,548 |
| Average equity | $15,401,000 | 3,645 |
| Average total loans | $41,970,000 | 4,445 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,628 |
| Cost of funding earning assets | 0.4476% | 4,297 |
| Net interest margin | 3.4021% | 3,877 |
| Noninterest income to average assets | 0.0501% | 5,213 |
| Noninterest expense to average assets | 2.1025% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9761% | 2,942 |
| Return on assets (ROA) | 0.9761% | 2,985 |
| Pretax return on assets | 1.2765% | 2,542 |
| Return on Equity (ROE) | 4.0804% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.0804% | 3,284 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2222% | 3,499 |
| Assets per employee ($millions) | 5.8649% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 912 |
| Loan loss allowance to noncurrent loans | 390.6593% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 3,473 |
| Noncurrent loans to loans | 0.4285% | 3,047 |
| Net loans and leases to total assets | 64.7410% | 3,203 |
| Net loans and leases to deposits | 85.3293% | 2,211 |
| Net loans and leases to core deposits | 87.5362% | 2,736 |
| Total domestic deposits to total assets | 75.8719% | 4,774 |
| Equity capital to assets | 23.8522% | 132 |
| Core capital (leverage) ratio | 24.3259% | 125 |
| Tier 1 risk-based capital ratio | 60.7290% | 90 |
| Total risk-based capital ratio | 61.9966% | 88 |
| Memoranda: | ||
| Average total assets | $63,925,000 | 4,676 |
| Average earning assets | $62,549,500 | 4,604 |
| Average equity | $15,292,500 | 3,674 |
| Average total loans | $41,957,500 | 4,492 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 4,546 |
| Cost of funding earning assets | 0.3803% | 4,103 |
| Net interest margin | 3.3943% | 4,013 |
| Noninterest income to average assets | 0.0412% | 5,287 |
| Noninterest expense to average assets | 2.2323% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8221% | 3,721 |
| Return on assets (ROA) | 0.7726% | 3,910 |
| Pretax return on assets | 1.0719% | 3,369 |
| Return on Equity (ROE) | 3.3861% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.3861% | 3,724 |
| Net charge-offs to loans | 0.1121% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 16.1522% | 2,270 |
| Efficiency ratio | 66.3039% | 2,828 |
| Assets per employee ($millions) | 7.0373% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 807 |
| Loan loss allowance to noncurrent loans | 249.4737% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 2,765 |
| Noncurrent loans to loans | 0.6878% | 2,268 |
| Net loans and leases to total assets | 64.3015% | 3,324 |
| Net loans and leases to deposits | 84.8954% | 2,420 |
| Net loans and leases to core deposits | 87.1368% | 2,823 |
| Total domestic deposits to total assets | 75.7421% | 4,781 |
| Equity capital to assets | 23.9943% | 125 |
| Core capital (leverage) ratio | 23.9474% | 130 |
| Tier 1 risk-based capital ratio | 61.5915% | 87 |
| Total risk-based capital ratio | 62.8620% | 87 |
| Memoranda: | ||
| Average total assets | $65,493,000 | 4,667 |
| Average earning assets | $64,166,800 | 4,587 |
| Average equity | $14,943,400 | 3,647 |
| Average total loans | $41,052,800 | 4,519 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,582 |
| Cost of funding earning assets | 0.3667% | 4,073 |
| Net interest margin | 3.3682% | 4,109 |
| Noninterest income to average assets | 0.0464% | 5,347 |
| Noninterest expense to average assets | 2.1746% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8965% | 3,545 |
| Return on assets (ROA) | 0.8965% | 3,553 |
| Pretax return on assets | 1.1731% | 3,104 |
| Return on Equity (ROE) | 3.9784% | 4,822 |
| Retained earnings to average equity (ytd only) | 3.9784% | 3,785 |
| Net charge-offs to loans | 0.1497% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.6308% | 2,438 |
| Efficiency ratio | 64.9578% | 3,040 |
| Assets per employee ($millions) | 6.4620% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 820 |
| Loan loss allowance to noncurrent loans | 477.1812% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,759 |
| Noncurrent loans to loans | 0.3634% | 3,347 |
| Net loans and leases to total assets | 62.3553% | 3,617 |
| Net loans and leases to deposits | 81.5569% | 2,868 |
| Net loans and leases to core deposits | 83.6513% | 3,180 |
| Total domestic deposits to total assets | 76.4562% | 4,734 |
| Equity capital to assets | 23.2792% | 141 |
| Core capital (leverage) ratio | 23.3068% | 133 |
| Tier 1 risk-based capital ratio | 62.2570% | 81 |
| Total risk-based capital ratio | 63.5258% | 81 |
| Memoranda: | ||
| Average total assets | $66,032,250 | 4,701 |
| Average earning assets | $64,722,250 | 4,629 |
| Average equity | $14,880,000 | 3,680 |
| Average total loans | $40,956,750 | 4,567 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 4,577 |
| Cost of funding earning assets | 0.3587% | 4,017 |
| Net interest margin | 3.3444% | 4,124 |
| Noninterest income to average assets | 0.0451% | 5,415 |
| Noninterest expense to average assets | 2.1473% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8992% | 3,456 |
| Return on assets (ROA) | 0.8992% | 3,465 |
| Pretax return on assets | 1.1789% | 3,015 |
| Return on Equity (ROE) | 4.0335% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.0335% | 3,600 |
| Net charge-offs to loans | 0.2247% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.5217% | 2,468 |
| Efficiency ratio | 64.5570% | 3,237 |
| Assets per employee ($millions) | 5.9915% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 839 |
| Loan loss allowance to noncurrent loans | 652.2936% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 3,900 |
| Noncurrent loans to loans | 0.2663% | 3,755 |
| Net loans and leases to total assets | 61.0208% | 3,711 |
| Net loans and leases to deposits | 79.1004% | 3,043 |
| Net loans and leases to core deposits | 81.0729% | 3,314 |
| Total domestic deposits to total assets | 77.1436% | 4,718 |
| Equity capital to assets | 22.6562% | 150 |
| Core capital (leverage) ratio | 22.8102% | 140 |
| Tier 1 risk-based capital ratio | 61.8229% | 86 |
| Total risk-based capital ratio | 63.0950% | 85 |
| Memoranda: | ||
| Average total assets | $66,503,000 | 4,749 |
| Average earning assets | $65,244,000 | 4,674 |
| Average equity | $14,825,670 | 3,703 |
| Average total loans | $40,940,670 | 4,611 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,477 |
| Cost of funding earning assets | 0.3475% | 4,012 |
| Net interest margin | 3.3473% | 4,061 |
| Noninterest income to average assets | 0.0419% | 5,491 |
| Noninterest expense to average assets | 2.0838% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9461% | 3,085 |
| Return on assets (ROA) | 0.9461% | 3,103 |
| Pretax return on assets | 1.2455% | 2,576 |
| Return on Equity (ROE) | 4.2782% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.2782% | 3,472 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5899% | 3,688 |
| Assets per employee ($millions) | 6.0655% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 703 |
| Loan loss allowance to noncurrent loans | 625.6198% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,178 |
| Noncurrent loans to loans | 0.2975% | 3,701 |
| Net loans and leases to total assets | 59.8321% | 3,764 |
| Net loans and leases to deposits | 77.1252% | 3,103 |
| Net loans and leases to core deposits | 78.9994% | 3,400 |
| Total domestic deposits to total assets | 77.5779% | 4,792 |
| Equity capital to assets | 22.1927% | 153 |
| Core capital (leverage) ratio | 22.4325% | 140 |
| Tier 1 risk-based capital ratio | 61.6882% | 81 |
| Total risk-based capital ratio | 62.9614% | 81 |
| Memoranda: | ||
| Average total assets | $66,801,000 | 4,801 |
| Average earning assets | $65,605,500 | 4,721 |
| Average equity | $14,772,500 | 3,742 |
| Average total loans | $40,947,000 | 4,665 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,314 |
| Cost of funding earning assets | 0.3578% | 3,638 |
| Net interest margin | 3.3504% | 4,008 |
| Noninterest income to average assets | 0.0495% | 5,535 |
| Noninterest expense to average assets | 2.1022% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7247% | 3,497 |
| Return on assets (ROA) | 0.7247% | 3,536 |
| Pretax return on assets | 1.2349% | 2,614 |
| Return on Equity (ROE) | 3.3256% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.3256% | 3,304 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9946% | 3,776 |
| Assets per employee ($millions) | 6.0802% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 730 |
| Loan loss allowance to noncurrent loans | 200.2646% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 2,659 |
| Noncurrent loans to loans | 0.9171% | 1,946 |
| Net loans and leases to total assets | 60.4946% | 3,783 |
| Net loans and leases to deposits | 77.7494% | 3,142 |
| Net loans and leases to core deposits | 79.0497% | 3,500 |
| Total domestic deposits to total assets | 77.8072% | 4,747 |
| Equity capital to assets | 22.0358% | 150 |
| Core capital (leverage) ratio | 22.2735% | 134 |
| Tier 1 risk-based capital ratio | 59.8371% | 85 |
| Total risk-based capital ratio | 61.1095% | 84 |
| Memoranda: | ||
| Average total assets | $66,644,200 | 4,834 |
| Average earning assets | $65,395,600 | 4,758 |
| Average equity | $14,523,800 | 3,776 |
| Average total loans | $41,185,800 | 4,692 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 4,315 |
| Cost of funding earning assets | 0.3613% | 3,547 |
| Net interest margin | 3.3417% | 4,039 |
| Noninterest income to average assets | 0.0521% | 5,605 |
| Noninterest expense to average assets | 2.0385% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8530% | 3,260 |
| Return on assets (ROA) | 0.8530% | 3,308 |
| Pretax return on assets | 1.2916% | 2,530 |
| Return on Equity (ROE) | 3.9252% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.9252% | 3,587 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2147% | 4,010 |
| Assets per employee ($millions) | 6.6224% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 756 |
| Loan loss allowance to noncurrent loans | 197.6501% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 2,785 |
| Noncurrent loans to loans | 0.9437% | 2,032 |
| Net loans and leases to total assets | 60.1398% | 3,849 |
| Net loans and leases to deposits | 77.5433% | 3,220 |
| Net loans and leases to core deposits | 78.9717% | 3,539 |
| Total domestic deposits to total assets | 77.5565% | 4,797 |
| Equity capital to assets | 22.2019% | 150 |
| Core capital (leverage) ratio | 22.0264% | 141 |
| Tier 1 risk-based capital ratio | 60.4811% | 83 |
| Total risk-based capital ratio | 61.7558% | 83 |
| Memoranda: | ||
| Average total assets | $66,584,750 | 4,888 |
| Average earning assets | $65,313,500 | 4,804 |
| Average equity | $14,470,250 | 3,821 |
| Average total loans | $41,178,000 | 4,738 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,198 |
| Cost of funding earning assets | 0.3609% | 3,472 |
| Net interest margin | 3.3487% | 3,955 |
| Noninterest income to average assets | 0.0510% | 5,651 |
| Noninterest expense to average assets | 2.0598% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8755% | 3,045 |
| Return on assets (ROA) | 0.8755% | 3,099 |
| Pretax return on assets | 1.2743% | 2,483 |
| Return on Equity (ROE) | 4.0576% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.0576% | 3,291 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7806% | 4,030 |
| Assets per employee ($millions) | 6.7057% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 798 |
| Loan loss allowance to noncurrent loans | 210.8635% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 2,328 |
| Noncurrent loans to loans | 0.8772% | 2,227 |
| Net loans and leases to total assets | 59.8998% | 3,855 |
| Net loans and leases to deposits | 76.7073% | 3,258 |
| Net loans and leases to core deposits | 78.0912% | 3,587 |
| Total domestic deposits to total assets | 78.0888% | 4,802 |
| Equity capital to assets | 21.7323% | 152 |
| Core capital (leverage) ratio | 21.7317% | 144 |
| Tier 1 risk-based capital ratio | 59.9375% | 84 |
| Total risk-based capital ratio | 61.2123% | 84 |
| Memoranda: | ||
| Average total assets | $66,705,000 | 4,920 |
| Average earning assets | $65,397,670 | 4,842 |
| Average equity | $14,392,670 | 3,840 |
| Average total loans | $41,376,000 | 4,764 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 3,807 |
| Cost of funding earning assets | 0.3616% | 3,395 |
| Net interest margin | 3.4256% | 3,546 |
| Noninterest income to average assets | 0.0601% | 5,707 |
| Noninterest expense to average assets | 2.0202% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9079% | 2,722 |
| Return on assets (ROA) | 0.9079% | 2,775 |
| Pretax return on assets | 1.4009% | 1,885 |
| Return on Equity (ROE) | 4.2230% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.2230% | 3,336 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0510% | 4,582 |
| Assets per employee ($millions) | 5.6208% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 874 |
| Loan loss allowance to noncurrent loans | 195.1031% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 2,340 |
| Noncurrent loans to loans | 0.9467% | 2,148 |
| Net loans and leases to total assets | 59.6406% | 3,823 |
| Net loans and leases to deposits | 76.0492% | 3,191 |
| Net loans and leases to core deposits | 77.4028% | 3,522 |
| Total domestic deposits to total assets | 78.4237% | 4,920 |
| Equity capital to assets | 21.3198% | 159 |
| Core capital (leverage) ratio | 21.7806% | 144 |
| Tier 1 risk-based capital ratio | 59.2188% | 86 |
| Total risk-based capital ratio | 60.4907% | 85 |
| Memoranda: | ||
| Average total assets | $66,529,000 | 4,974 |
| Average earning assets | $65,272,500 | 4,897 |
| Average equity | $14,302,500 | 3,874 |
| Average total loans | $41,602,000 | 4,802 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 3,907 |
| Cost of funding earning assets | 0.3944% | 3,050 |
| Net interest margin | 3.4082% | 3,795 |
| Noninterest income to average assets | 0.0680% | 5,729 |
| Noninterest expense to average assets | 2.2354% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7950% | 3,330 |
| Return on assets (ROA) | 0.7950% | 3,431 |
| Pretax return on assets | 1.1759% | 2,775 |
| Return on Equity (ROE) | 3.7461% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.7461% | 3,253 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5295% | 3,673 |
| Assets per employee ($millions) | 5.4674% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 958 |
| Loan loss allowance to noncurrent loans | 71.0131% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 971 |
| Noncurrent loans to loans | 2.5249% | 623 |
| Net loans and leases to total assets | 63.1971% | 3,450 |
| Net loans and leases to deposits | 80.8340% | 2,797 |
| Net loans and leases to core deposits | 82.3169% | 3,188 |
| Total domestic deposits to total assets | 78.1813% | 4,948 |
| Equity capital to assets | 21.6815% | 158 |
| Core capital (leverage) ratio | 21.7593% | 144 |
| Tier 1 risk-based capital ratio | 57.7721% | 95 |
| Total risk-based capital ratio | 59.0462% | 92 |
| Memoranda: | ||
| Average total assets | $66,163,400 | 5,009 |
| Average earning assets | $64,901,800 | 4,921 |
| Average equity | $14,041,400 | 3,937 |
| Average total loans | $42,451,000 | 4,800 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 3,868 |
| Cost of funding earning assets | 0.3998% | 3,024 |
| Net interest margin | 3.4215% | 3,766 |
| Noninterest income to average assets | 0.0704% | 5,788 |
| Noninterest expense to average assets | 2.2482% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7662% | 3,528 |
| Return on assets (ROA) | 0.7662% | 3,665 |
| Pretax return on assets | 1.1784% | 2,924 |
| Return on Equity (ROE) | 3.6297% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.6297% | 3,714 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6103% | 3,660 |
| Assets per employee ($millions) | 5.4430% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 1,063 |
| Loan loss allowance to noncurrent loans | 69.4495% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.6688% | 1,029 |
| Noncurrent loans to loans | 2.5522% | 675 |
| Net loans and leases to total assets | 64.2293% | 3,367 |
| Net loans and leases to deposits | 82.4059% | 2,680 |
| Net loans and leases to core deposits | 83.9241% | 3,129 |
| Total domestic deposits to total assets | 77.9426% | 4,923 |
| Equity capital to assets | 21.7160% | 171 |
| Core capital (leverage) ratio | 21.3513% | 155 |
| Tier 1 risk-based capital ratio | 56.4369% | 100 |
| Total risk-based capital ratio | 57.7103% | 99 |
| Memoranda: | ||
| Average total assets | $66,302,000 | 5,047 |
| Average earning assets | $65,037,500 | 4,958 |
| Average equity | $13,995,500 | 3,974 |
| Average total loans | $42,508,750 | 4,843 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 3,933 |
| Cost of funding earning assets | 0.4070% | 2,967 |
| Net interest margin | 3.3997% | 3,890 |
| Noninterest income to average assets | 0.0720% | 5,857 |
| Noninterest expense to average assets | 2.1191% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8615% | 3,042 |
| Return on assets (ROA) | 0.8615% | 3,165 |
| Pretax return on assets | 1.2877% | 2,457 |
| Return on Equity (ROE) | 4.1198% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.1198% | 3,283 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2026% | 4,315 |
| Assets per employee ($millions) | 5.6288% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 1,137 |
| Loan loss allowance to noncurrent loans | 265.6140% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 3,821 |
| Noncurrent loans to loans | 0.6664% | 3,072 |
| Net loans and leases to total assets | 62.1947% | 3,602 |
| Net loans and leases to deposits | 78.7500% | 3,080 |
| Net loans and leases to core deposits | 80.5963% | 3,406 |
| Total domestic deposits to total assets | 78.9773% | 4,792 |
| Equity capital to assets | 20.8806% | 188 |
| Core capital (leverage) ratio | 20.9428% | 163 |
| Tier 1 risk-based capital ratio | 56.0326% | 106 |
| Total risk-based capital ratio | 57.3053% | 106 |
| Memoranda: | ||
| Average total assets | $66,630,670 | 5,090 |
| Average earning assets | $65,359,330 | 4,997 |
| Average equity | $13,932,670 | 4,002 |
| Average total loans | $42,442,000 | 4,884 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 3,716 |
| Cost of funding earning assets | 0.4191% | 2,867 |
| Net interest margin | 3.4450% | 3,691 |
| Noninterest income to average assets | 0.0604% | 5,933 |
| Noninterest expense to average assets | 2.1761% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8463% | 3,004 |
| Return on assets (ROA) | 0.8463% | 3,134 |
| Pretax return on assets | 1.2634% | 2,456 |
| Return on Equity (ROE) | 4.0442% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.0442% | 3,469 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2689% | 4,265 |
| Assets per employee ($millions) | 6.0699% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 1,192 |
| Loan loss allowance to noncurrent loans | 540.7143% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 4,717 |
| Noncurrent loans to loans | 0.3293% | 4,257 |
| Net loans and leases to total assets | 62.5320% | 3,451 |
| Net loans and leases to deposits | 79.2153% | 2,884 |
| Net loans and leases to core deposits | 81.0876% | 3,226 |
| Total domestic deposits to total assets | 78.9393% | 4,978 |
| Equity capital to assets | 20.8495% | 185 |
| Core capital (leverage) ratio | 21.3442% | 154 |
| Tier 1 risk-based capital ratio | 53.5612% | 115 |
| Total risk-based capital ratio | 54.8331% | 116 |
| Memoranda: | ||
| Average total assets | $66,173,000 | 5,147 |
| Average earning assets | $64,906,000 | 5,052 |
| Average equity | $13,847,000 | 4,027 |
| Average total loans | $42,279,500 | 4,926 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 3,739 |
| Cost of funding earning assets | 0.4716% | 2,423 |
| Net interest margin | 3.4190% | 3,840 |
| Noninterest income to average assets | 0.0607% | 5,978 |
| Noninterest expense to average assets | 2.3541% | 4,636 |
| Loan and lease loss provision to assets | 0.0759% | 2,754 |
| Net operating income to assets | 0.6802% | 3,903 |
| Return on assets (ROA) | 0.6876% | 3,976 |
| Pretax return on assets | 0.9972% | 3,485 |
| Return on Equity (ROE) | 3.3384% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.3384% | 3,677 |
| Net charge-offs to loans | 0.0072% | 4,194 |
| Credit loss provision to net charge-offs | 1,666.6667% | 211 |
| Earnings coverage of net charge-offs (x) | 233.3333% | 305 |
| Efficiency ratio | 68.9027% | 3,421 |
| Assets per employee ($millions) | 5.4648% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 1,131 |
| Loan loss allowance to noncurrent loans | 440.1163% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 4,539 |
| Noncurrent loans to loans | 0.4090% | 3,989 |
| Net loans and leases to total assets | 62.9687% | 3,419 |
| Net loans and leases to deposits | 79.8580% | 2,835 |
| Net loans and leases to core deposits | 81.7829% | 3,171 |
| Total domestic deposits to total assets | 78.8508% | 5,005 |
| Equity capital to assets | 21.0028% | 180 |
| Core capital (leverage) ratio | 20.9637% | 160 |
| Tier 1 risk-based capital ratio | 51.8467% | 116 |
| Total risk-based capital ratio | 53.1168% | 114 |
| Memoranda: | ||
| Average total assets | $65,885,400 | 5,181 |
| Average earning assets | $64,668,400 | 5,071 |
| Average equity | $13,569,400 | 4,040 |
| Average total loans | $41,777,200 | 4,943 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 3,744 |
| Cost of funding earning assets | 0.4818% | 2,393 |
| Net interest margin | 3.4181% | 3,876 |
| Noninterest income to average assets | 0.0546% | 6,078 |
| Noninterest expense to average assets | 2.2740% | 4,845 |
| Loan and lease loss provision to assets | 0.1011% | 2,162 |
| Net operating income to assets | 0.7039% | 3,885 |
| Return on assets (ROA) | 0.7135% | 3,949 |
| Pretax return on assets | 1.0491% | 3,421 |
| Return on Equity (ROE) | 3.4815% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.4815% | 3,992 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6864% | 3,766 |
| Assets per employee ($millions) | 5.4847% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 1,256 |
| Loan loss allowance to noncurrent loans | 603.1746% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 4,981 |
| Noncurrent loans to loans | 0.2991% | 4,525 |
| Net loans and leases to total assets | 62.8479% | 3,473 |
| Net loans and leases to deposits | 79.5263% | 2,932 |
| Net loans and leases to core deposits | 80.7654% | 3,365 |
| Total domestic deposits to total assets | 79.0279% | 4,968 |
| Equity capital to assets | 20.7883% | 201 |
| Core capital (leverage) ratio | 20.3578% | 192 |
| Tier 1 risk-based capital ratio | 50.2336% | 133 |
| Total risk-based capital ratio | 51.5026% | 131 |
| Memoranda: | ||
| Average total assets | $65,962,500 | 5,243 |
| Average earning assets | $64,751,750 | 5,130 |
| Average equity | $13,518,500 | 4,092 |
| Average total loans | $41,709,000 | 4,999 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 3,732 |
| Cost of funding earning assets | 0.4873% | 2,374 |
| Net interest margin | 3.4021% | 3,903 |
| Noninterest income to average assets | 0.0576% | 6,151 |
| Noninterest expense to average assets | 2.2723% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7605% | 3,589 |
| Return on assets (ROA) | 0.7605% | 3,690 |
| Pretax return on assets | 1.1271% | 3,066 |
| Return on Equity (ROE) | 3.7285% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.7285% | 3,648 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8449% | 3,858 |
| Assets per employee ($millions) | 5.5823% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 1,540 |
| Loan loss allowance to noncurrent loans | 157.7778% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 3,386 |
| Noncurrent loans to loans | 1.0962% | 2,461 |
| Net loans and leases to total assets | 60.2236% | 3,795 |
| Net loans and leases to deposits | 75.6190% | 3,311 |
| Net loans and leases to core deposits | 76.7673% | 3,693 |
| Total domestic deposits to total assets | 79.6408% | 4,941 |
| Equity capital to assets | 20.2457% | 216 |
| Core capital (leverage) ratio | 20.3159% | 190 |
| Tier 1 risk-based capital ratio | 51.8852% | 132 |
| Total risk-based capital ratio | 53.1522% | 130 |
| Memoranda: | ||
| Average total assets | $66,011,330 | 5,305 |
| Average earning assets | $64,842,330 | 5,182 |
| Average equity | $13,464,000 | 4,126 |
| Average total loans | $41,570,670 | 5,045 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,384 |
| Cost of funding earning assets | 0.5034% | 2,252 |
| Net interest margin | 3.4553% | 3,609 |
| Noninterest income to average assets | 0.0610% | 6,202 |
| Noninterest expense to average assets | 2.1977% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8424% | 3,051 |
| Return on assets (ROA) | 0.8424% | 3,180 |
| Pretax return on assets | 1.2576% | 2,435 |
| Return on Equity (ROE) | 4.1148% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.1148% | 3,538 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6042% | 4,538 |
| Assets per employee ($millions) | 5.5285% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 1,694 |
| Loan loss allowance to noncurrent loans | 318.3857% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 4,646 |
| Noncurrent loans to loans | 0.5392% | 3,967 |
| Net loans and leases to total assets | 61.2704% | 3,486 |
| Net loans and leases to deposits | 77.6229% | 2,860 |
| Net loans and leases to core deposits | 78.8210% | 3,295 |
| Total domestic deposits to total assets | 78.9334% | 5,276 |
| Equity capital to assets | 20.3370% | 212 |
| Core capital (leverage) ratio | 20.5699% | 183 |
| Tier 1 risk-based capital ratio | 50.4940% | 151 |
| Total risk-based capital ratio | 51.7411% | 149 |
| Memoranda: | ||
| Average total assets | $65,523,500 | 5,363 |
| Average earning assets | $64,364,500 | 5,242 |
| Average equity | $13,415,000 | 4,167 |
| Average total loans | $41,830,000 | 5,073 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,411 |
| Cost of funding earning assets | 0.6039% | 1,729 |
| Net interest margin | 3.4726% | 3,888 |
| Noninterest income to average assets | 0.0344% | 6,323 |
| Noninterest expense to average assets | 2.2100% | 5,332 |
| Loan and lease loss provision to assets | 0.0224% | 4,166 |
| Net operating income to assets | 0.8702% | 3,017 |
| Return on assets (ROA) | 0.8702% | 3,108 |
| Pretax return on assets | 1.2067% | 2,627 |
| Return on Equity (ROE) | 4.4748% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.4748% | 2,991 |
| Net charge-offs to loans | 0.0231% | 4,378 |
| Credit loss provision to net charge-offs | 150.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 82.2000% | 610 |
| Efficiency ratio | 64.2609% | 4,554 |
| Assets per employee ($millions) | 5.3921% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 1,826 |
| Loan loss allowance to noncurrent loans | 316.9643% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 4,672 |
| Noncurrent loans to loans | 0.5295% | 4,080 |
| Net loans and leases to total assets | 64.2794% | 3,183 |
| Net loans and leases to deposits | 81.5146% | 2,537 |
| Net loans and leases to core deposits | 82.8064% | 3,018 |
| Total domestic deposits to total assets | 78.8563% | 5,279 |
| Equity capital to assets | 20.6136% | 198 |
| Core capital (leverage) ratio | 20.5610% | 189 |
| Tier 1 risk-based capital ratio | 49.7718% | 135 |
| Total risk-based capital ratio | 51.0400% | 135 |
| Memoranda: | ||
| Average total assets | $66,878,000 | 5,376 |
| Average earning assets | $65,570,200 | 5,241 |
| Average equity | $13,006,200 | 4,198 |
| Average total loans | $43,269,400 | 5,059 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,671 |
| Cost of funding earning assets | 0.6255% | 1,636 |
| Net interest margin | 3.3976% | 4,250 |
| Noninterest income to average assets | 0.0514% | 6,378 |
| Noninterest expense to average assets | 2.0488% | 5,680 |
| Loan and lease loss provision to assets | 0.0297% | 3,814 |
| Net operating income to assets | 0.7989% | 3,433 |
| Return on assets (ROA) | 0.7989% | 3,530 |
| Pretax return on assets | 1.3032% | 2,365 |
| Return on Equity (ROE) | 4.1681% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.1681% | 3,686 |
| Net charge-offs to loans | 0.0306% | 3,873 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | 67.4149% | 799 |
| Efficiency ratio | 60.5848% | 5,108 |
| Assets per employee ($millions) | 5.5053% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 2,116 |
| Loan loss allowance to noncurrent loans | 269.9620% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 4,609 |
| Noncurrent loans to loans | 0.6133% | 4,085 |
| Net loans and leases to total assets | 63.8336% | 3,202 |
| Net loans and leases to deposits | 80.1151% | 2,670 |
| Net loans and leases to core deposits | 81.3421% | 3,168 |
| Total domestic deposits to total assets | 79.6773% | 5,177 |
| Equity capital to assets | 19.9019% | 239 |
| Core capital (leverage) ratio | 19.8792% | 217 |
| Tier 1 risk-based capital ratio | 48.1291% | 146 |
| Total risk-based capital ratio | 49.3971% | 145 |
| Memoranda: | ||
| Average total assets | $67,421,250 | 5,419 |
| Average earning assets | $66,083,500 | 5,278 |
| Average equity | $12,923,250 | 4,236 |
| Average total loans | $43,511,250 | 5,111 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,616 |
| Cost of funding earning assets | 0.6526% | 1,492 |
| Net interest margin | 3.3773% | 4,272 |
| Noninterest income to average assets | 0.0560% | 6,430 |
| Noninterest expense to average assets | 2.0067% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8339% | 3,159 |
| Return on assets (ROA) | 0.8339% | 3,250 |
| Pretax return on assets | 1.3584% | 2,046 |
| Return on Equity (ROE) | 4.4052% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.4052% | 3,375 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6322% | 5,346 |
| Assets per employee ($millions) | 5.6910% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 2,347 |
| Loan loss allowance to noncurrent loans | 270.1149% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 4,873 |
| Noncurrent loans to loans | 0.6050% | 4,208 |
| Net loans and leases to total assets | 62.1420% | 3,378 |
| Net loans and leases to deposits | 76.8860% | 2,943 |
| Net loans and leases to core deposits | 78.0067% | 3,436 |
| Total domestic deposits to total assets | 80.8235% | 5,036 |
| Equity capital to assets | 19.0593% | 256 |
| Core capital (leverage) ratio | 19.0535% | 238 |
| Tier 1 risk-based capital ratio | 46.4035% | 157 |
| Total risk-based capital ratio | 47.6695% | 155 |
| Memoranda: | ||
| Average total assets | $67,873,670 | 5,450 |
| Average earning assets | $66,502,330 | 5,308 |
| Average equity | $12,848,330 | 4,254 |
| Average total loans | $43,721,330 | 5,138 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,428 |
| Cost of funding earning assets | 0.6822% | 1,348 |
| Net interest margin | 3.3807% | 4,217 |
| Noninterest income to average assets | 0.0768% | 6,406 |
| Noninterest expense to average assets | 1.9508% | 5,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8808% | 2,737 |
| Return on assets (ROA) | 0.8808% | 2,806 |
| Pretax return on assets | 1.4365% | 1,616 |
| Return on Equity (ROE) | 4.6692% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.6692% | 3,318 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5916% | 5,690 |
| Assets per employee ($millions) | 5.6521% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 2,610 |
| Loan loss allowance to noncurrent loans | 379.0323% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 5,342 |
| Noncurrent loans to loans | 0.4276% | 4,860 |
| Net loans and leases to total assets | 63.0977% | 3,058 |
| Net loans and leases to deposits | 78.0935% | 2,542 |
| Net loans and leases to core deposits | 79.2342% | 3,062 |
| Total domestic deposits to total assets | 80.7976% | 5,291 |
| Equity capital to assets | 18.9620% | 262 |
| Core capital (leverage) ratio | 18.9871% | 246 |
| Tier 1 risk-based capital ratio | 46.3254% | 162 |
| Total risk-based capital ratio | 47.5521% | 159 |
| Memoranda: | ||
| Average total assets | $67,664,500 | 5,516 |
| Average earning assets | $66,257,500 | 5,367 |
| Average equity | $12,764,500 | 4,280 |
| Average total loans | $44,010,500 | 5,163 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,992 |
| Cost of funding earning assets | 0.8296% | 1,041 |
| Net interest margin | 3.4623% | 4,050 |
| Noninterest income to average assets | 0.1150% | 6,336 |
| Noninterest expense to average assets | 2.1614% | 5,710 |
| Loan and lease loss provision to assets | 0.1849% | 1,992 |
| Net operating income to assets | 0.7876% | 3,355 |
| Return on assets (ROA) | 0.7816% | 3,494 |
| Pretax return on assets | 1.1557% | 2,750 |
| Return on Equity (ROE) | 4.2825% | 4,979 |
| Retained earnings to average equity (ytd only) | 4.2825% | 3,126 |
| Net charge-offs to loans | 0.0428% | 4,615 |
| Credit loss provision to net charge-offs | 635.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 46.3500% | 844 |
| Efficiency ratio | 61.5672% | 5,279 |
| Assets per employee ($millions) | 6.1367% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 2,827 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 5,646 |
| Noncurrent loans to loans | 0.1348% | 5,803 |
| Net loans and leases to total assets | 64.9073% | 2,886 |
| Net loans and leases to deposits | 80.0391% | 2,452 |
| Net loans and leases to core deposits | 81.2096% | 2,986 |
| Total domestic deposits to total assets | 81.0945% | 5,145 |
| Equity capital to assets | 18.7663% | 275 |
| Core capital (leverage) ratio | 18.8567% | 251 |
| Tier 1 risk-based capital ratio | 45.6057% | 163 |
| Total risk-based capital ratio | 46.8704% | 161 |
| Memoranda: | ||
| Average total assets | $68,704,000 | 5,518 |
| Average earning assets | $67,382,600 | 5,363 |
| Average equity | $12,539,400 | 4,347 |
| Average total loans | $46,712,800 | 5,083 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 2,349 |
| Cost of funding earning assets | 0.8564% | 1,013 |
| Net interest margin | 3.6128% | 3,387 |
| Noninterest income to average assets | 0.1295% | 6,370 |
| Noninterest expense to average assets | 2.0385% | 5,948 |
| Loan and lease loss provision to assets | 0.2454% | 1,459 |
| Net operating income to assets | 0.8502% | 3,096 |
| Return on assets (ROA) | 0.8502% | 3,209 |
| Pretax return on assets | 1.3912% | 1,958 |
| Return on Equity (ROE) | 4.6905% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.6905% | 3,319 |
| Net charge-offs to loans | 0.0564% | 4,097 |
| Credit loss provision to net charge-offs | 635.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 42.3438% | 966 |
| Efficiency ratio | 55.4679% | 5,976 |
| Assets per employee ($millions) | 5.7424% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 3,198 |
| Loan loss allowance to noncurrent loans | 849.3976% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 6,066 |
| Noncurrent loans to loans | 0.1833% | 5,783 |
| Net loans and leases to total assets | 64.6998% | 2,874 |
| Net loans and leases to deposits | 79.4299% | 2,485 |
| Net loans and leases to core deposits | 80.5376% | 3,066 |
| Total domestic deposits to total assets | 81.4553% | 5,102 |
| Equity capital to assets | 18.2777% | 306 |
| Core capital (leverage) ratio | 18.3895% | 273 |
| Tier 1 risk-based capital ratio | 45.3349% | 169 |
| Total risk-based capital ratio | 46.6013% | 171 |
| Memoranda: | ||
| Average total assets | $69,004,000 | 5,566 |
| Average earning assets | $67,720,500 | 5,412 |
| Average equity | $12,507,250 | 4,395 |
| Average total loans | $47,261,000 | 5,101 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 2,104 |
| Cost of funding earning assets | 0.8642% | 1,065 |
| Net interest margin | 3.6603% | 3,132 |
| Noninterest income to average assets | 0.1796% | 6,133 |
| Noninterest expense to average assets | 2.0163% | 6,018 |
| Loan and lease loss provision to assets | 0.0782% | 3,499 |
| Net operating income to assets | 1.0256% | 2,217 |
| Return on assets (ROA) | 1.0256% | 2,339 |
| Pretax return on assets | 1.6803% | 1,156 |
| Return on Equity (ROE) | 5.6740% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.6740% | 2,630 |
| Net charge-offs to loans | 0.0835% | 3,533 |
| Credit loss provision to net charge-offs | 135.0000% | 1,677 |
| Earnings coverage of net charge-offs (x) | 30.3500% | 1,140 |
| Efficiency ratio | 53.4152% | 6,187 |
| Assets per employee ($millions) | 6.2823% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 4,476 |
| Loan loss allowance to noncurrent loans | 728.9157% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 6,120 |
| Noncurrent loans to loans | 0.1793% | 5,871 |
| Net loans and leases to total assets | 66.1153% | 2,568 |
| Net loans and leases to deposits | 80.9773% | 2,184 |
| Net loans and leases to core deposits | 82.5203% | 2,750 |
| Total domestic deposits to total assets | 81.6468% | 5,159 |
| Equity capital to assets | 18.2201% | 313 |
| Core capital (leverage) ratio | 18.2114% | 277 |
| Tier 1 risk-based capital ratio | 44.4166% | 175 |
| Total risk-based capital ratio | 45.6554% | 175 |
| Memoranda: | ||
| Average total assets | $69,035,670 | 5,605 |
| Average earning assets | $67,808,000 | 5,448 |
| Average equity | $12,478,000 | 4,429 |
| Average total loans | $47,918,330 | 5,104 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 1,881 |
| Cost of funding earning assets | 0.8731% | 1,128 |
| Net interest margin | 3.7105% | 2,809 |
| Noninterest income to average assets | 0.0348% | 6,781 |
| Noninterest expense to average assets | 1.8782% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1072% | 1,830 |
| Return on assets (ROA) | 1.1072% | 1,936 |
| Pretax return on assets | 1.8029% | 880 |
| Return on Equity (ROE) | 6.1506% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.1506% | 2,599 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0236% | 6,440 |
| Assets per employee ($millions) | 7.7691% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 4,984 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 5,848 |
| Noncurrent loans to loans | 0.3513% | 5,516 |
| Net loans and leases to total assets | 67.9500% | 2,018 |
| Net loans and leases to deposits | 83.1589% | 1,686 |
| Net loans and leases to core deposits | 84.7082% | 2,241 |
| Total domestic deposits to total assets | 81.7110% | 5,295 |
| Equity capital to assets | 17.8899% | 344 |
| Core capital (leverage) ratio | 17.7655% | 300 |
| Tier 1 risk-based capital ratio | 40.5921% | 221 |
| Total risk-based capital ratio | 41.8241% | 220 |
| Memoranda: | ||
| Average total assets | $69,001,000 | 5,657 |
| Average earning assets | $67,808,000 | 5,504 |
| Average equity | $12,421,500 | 4,491 |
| Average total loans | $48,730,500 | 5,106 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 2,016 |
| Cost of funding earning assets | 1.0086% | 1,312 |
| Net interest margin | 3.8422% | 3,051 |
| Noninterest income to average assets | 0.0509% | 6,686 |
| Noninterest expense to average assets | 2.0704% | 6,191 |
| Loan and lease loss provision to assets | 0.2325% | 2,807 |
| Net operating income to assets | 1.0348% | 2,187 |
| Return on assets (ROA) | 1.0417% | 2,361 |
| Pretax return on assets | 1.5328% | 1,581 |
| Return on Equity (ROE) | 5.9997% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.9997% | 2,074 |
| Net charge-offs to loans | 0.1471% | 4,222 |
| Credit loss provision to net charge-offs | 213.3333% | 1,190 |
| Earnings coverage of net charge-offs (x) | 16.1067% | 1,601 |
| Efficiency ratio | 54.1208% | 6,256 |
| Assets per employee ($millions) | 6.1891% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 5,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 71.6113% | 1,548 |
| Net loans and leases to deposits | 87.5734% | 1,318 |
| Net loans and leases to core deposits | 89.2487% | 1,931 |
| Total domestic deposits to total assets | 81.7729% | 5,172 |
| Equity capital to assets | 18.1169% | 320 |
| Core capital (leverage) ratio | 17.9656% | 284 |
| Tier 1 risk-based capital ratio | 40.9406% | 223 |
| Total risk-based capital ratio | 42.1958% | 219 |
| Memoranda: | ||
| Average total assets | $68,827,200 | 5,656 |
| Average earning assets | $67,617,600 | 5,500 |
| Average equity | $11,950,600 | 4,578 |
| Average total loans | $50,992,800 | 5,064 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 2,241 |
| Cost of funding earning assets | 1.0324% | 1,379 |
| Net interest margin | 3.8072% | 3,309 |
| Noninterest income to average assets | 0.0734% | 6,722 |
| Noninterest expense to average assets | 1.9068% | 6,512 |
| Loan and lease loss provision to assets | 0.2318% | 2,722 |
| Net operating income to assets | 1.0278% | 2,371 |
| Return on assets (ROA) | 1.0278% | 2,594 |
| Pretax return on assets | 1.6750% | 1,342 |
| Return on Equity (ROE) | 5.9834% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.9834% | 2,706 |
| Net charge-offs to loans | 0.1945% | 3,563 |
| Credit loss provision to net charge-offs | 160.0000% | 1,745 |
| Earnings coverage of net charge-offs (x) | 13.1597% | 1,941 |
| Efficiency ratio | 50.0000% | 6,588 |
| Assets per employee ($millions) | 6.2631% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,628 |
| Loan loss allowance to noncurrent loans | 6,975.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 6,396 |
| Noncurrent loans to loans | 0.0161% | 6,610 |
| Net loans and leases to total assets | 71.3734% | 1,669 |
| Net loans and leases to deposits | 87.1149% | 1,465 |
| Net loans and leases to core deposits | 87.9485% | 2,224 |
| Total domestic deposits to total assets | 81.9302% | 5,053 |
| Equity capital to assets | 17.6416% | 390 |
| Core capital (leverage) ratio | 17.4848% | 334 |
| Tier 1 risk-based capital ratio | 40.0372% | 239 |
| Total risk-based capital ratio | 41.2670% | 236 |
| Memoranda: | ||
| Average total assets | $69,014,000 | 5,715 |
| Average earning assets | $67,799,750 | 5,562 |
| Average equity | $11,854,750 | 4,641 |
| Average total loans | $51,403,250 | 5,109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 2,212 |
| Cost of funding earning assets | 1.0528% | 1,454 |
| Net interest margin | 3.8219% | 3,260 |
| Noninterest income to average assets | 0.0753% | 6,771 |
| Noninterest expense to average assets | 1.8218% | 6,727 |
| Loan and lease loss provision to assets | 0.2317% | 2,759 |
| Net operating income to assets | 1.0890% | 2,077 |
| Return on assets (ROA) | 1.0890% | 2,306 |
| Pretax return on assets | 1.7754% | 1,086 |
| Return on Equity (ROE) | 6.3973% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.3973% | 2,443 |
| Net charge-offs to loans | 0.2502% | 3,077 |
| Credit loss provision to net charge-offs | 123.0769% | 2,226 |
| Earnings coverage of net charge-offs (x) | 10.6615% | 2,028 |
| Efficiency ratio | 47.5794% | 6,803 |
| Assets per employee ($millions) | 6.9130% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 5,978 |
| Loan loss allowance to noncurrent loans | 340.6452% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 6,215 |
| Noncurrent loans to loans | 0.3071% | 5,942 |
| Net loans and leases to total assets | 72.2479% | 1,522 |
| Net loans and leases to deposits | 87.6028% | 1,407 |
| Net loans and leases to core deposits | 88.8496% | 2,117 |
| Total domestic deposits to total assets | 82.4722% | 4,957 |
| Equity capital to assets | 17.2617% | 413 |
| Core capital (leverage) ratio | 17.1995% | 344 |
| Tier 1 risk-based capital ratio | 36.1607% | 316 |
| Total risk-based capital ratio | 37.3955% | 312 |
| Memoranda: | ||
| Average total assets | $69,054,000 | 5,760 |
| Average earning assets | $67,820,330 | 5,593 |
| Average equity | $11,755,000 | 4,664 |
| Average total loans | $51,961,000 | 5,109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 2,489 |
| Cost of funding earning assets | 1.0682% | 1,573 |
| Net interest margin | 3.7712% | 3,512 |
| Noninterest income to average assets | 0.0811% | 6,820 |
| Noninterest expense to average assets | 1.7677% | 6,828 |
| Loan and lease loss provision to assets | 0.2202% | 2,743 |
| Net operating income to assets | 1.1012% | 2,078 |
| Return on assets (ROA) | 1.1012% | 2,265 |
| Pretax return on assets | 1.7967% | 1,073 |
| Return on Equity (ROE) | 6.5147% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.5147% | 2,679 |
| Net charge-offs to loans | 0.3415% | 2,284 |
| Credit loss provision to net charge-offs | 84.4444% | 2,655 |
| Earnings coverage of net charge-offs (x) | 7.7333% | 2,044 |
| Efficiency ratio | 46.7075% | 6,863 |
| Assets per employee ($millions) | 6.9893% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,350 |
| Loan loss allowance to noncurrent loans | 157.6324% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 5,572 |
| Noncurrent loans to loans | 0.6163% | 5,425 |
| Net loans and leases to total assets | 73.7928% | 1,098 |
| Net loans and leases to deposits | 89.1732% | 1,047 |
| Net loans and leases to core deposits | 90.8012% | 1,769 |
| Total domestic deposits to total assets | 82.7522% | 5,026 |
| Equity capital to assets | 16.8229% | 456 |
| Core capital (leverage) ratio | 16.7456% | 383 |
| Tier 1 risk-based capital ratio | 35.1989% | 331 |
| Total risk-based capital ratio | 36.4470% | 328 |
| Memoranda: | ||
| Average total assets | $69,016,000 | 5,800 |
| Average earning assets | $67,777,500 | 5,631 |
| Average equity | $11,666,000 | 4,685 |
| Average total loans | $52,705,000 | 5,119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 2,916 |
| Cost of funding earning assets | 1.2238% | 1,879 |
| Net interest margin | 3.7680% | 3,989 |
| Noninterest income to average assets | 0.0725% | 6,745 |
| Noninterest expense to average assets | 1.9716% | 6,723 |
| Loan and lease loss provision to assets | 0.0636% | 5,813 |
| Net operating income to assets | 1.0702% | 1,922 |
| Return on assets (ROA) | 1.0702% | 2,062 |
| Pretax return on assets | 1.7333% | 919 |
| Return on Equity (ROE) | 6.4641% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.4641% | 1,759 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3174% | 6,678 |
| Assets per employee ($millions) | 7.5710% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,357 |
| Loan loss allowance to noncurrent loans | 134.2932% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 5,486 |
| Noncurrent loans to loans | 0.7163% | 5,265 |
| Net loans and leases to total assets | 77.5107% | 769 |
| Net loans and leases to deposits | 93.5292% | 847 |
| Net loans and leases to core deposits | 94.3850% | 1,652 |
| Total domestic deposits to total assets | 82.8732% | 4,797 |
| Equity capital to assets | 16.9859% | 443 |
| Core capital (leverage) ratio | 16.9127% | 371 |
| Tier 1 risk-based capital ratio | 36.4183% | 300 |
| Total risk-based capital ratio | 37.6740% | 298 |
| Memoranda: | ||
| Average total assets | $67,558,200 | 5,822 |
| Average earning assets | $66,268,200 | 5,659 |
| Average equity | $11,184,800 | 4,740 |
| Average total loans | $53,108,400 | 5,150 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 3,167 |
| Cost of funding earning assets | 1.2522% | 1,982 |
| Net interest margin | 3.7324% | 4,196 |
| Noninterest income to average assets | 0.0791% | 6,845 |
| Noninterest expense to average assets | 1.7781% | 7,018 |
| Loan and lease loss provision to assets | 0.0277% | 6,092 |
| Net operating income to assets | 1.1867% | 1,686 |
| Return on assets (ROA) | 1.1867% | 1,804 |
| Pretax return on assets | 1.9343% | 720 |
| Return on Equity (ROE) | 7.2152% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.2152% | 1,859 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5410% | 6,983 |
| Assets per employee ($millions) | 6.7853% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,508 |
| Loan loss allowance to noncurrent loans | 126.4851% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 5,627 |
| Noncurrent loans to loans | 0.7368% | 5,406 |
| Net loans and leases to total assets | 80.0539% | 511 |
| Net loans and leases to deposits | 96.8288% | 651 |
| Net loans and leases to core deposits | 98.6327% | 1,377 |
| Total domestic deposits to total assets | 82.6758% | 4,810 |
| Equity capital to assets | 16.8585% | 500 |
| Core capital (leverage) ratio | 16.7996% | 416 |
| Tier 1 risk-based capital ratio | 35.4517% | 336 |
| Total risk-based capital ratio | 36.7060% | 328 |
| Memoranda: | ||
| Average total assets | $67,413,000 | 5,857 |
| Average earning assets | $66,122,750 | 5,705 |
| Average equity | $11,087,500 | 4,788 |
| Average total loans | $53,053,500 | 5,200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 3,419 |
| Cost of funding earning assets | 1.2832% | 2,047 |
| Net interest margin | 3.6616% | 4,461 |
| Noninterest income to average assets | 0.0892% | 6,881 |
| Noninterest expense to average assets | 1.7394% | 7,142 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1893% | 1,609 |
| Return on assets (ROA) | 1.1893% | 1,701 |
| Pretax return on assets | 1.9386% | 655 |
| Return on Equity (ROE) | 7.2924% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.2924% | 1,743 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2918% | 7,095 |
| Assets per employee ($millions) | 6.1724% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 6,558 |
| Loan loss allowance to noncurrent loans | 126.1421% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 5,765 |
| Noncurrent loans to loans | 0.7427% | 5,428 |
| Net loans and leases to total assets | 77.3978% | 857 |
| Net loans and leases to deposits | 92.9069% | 959 |
| Net loans and leases to core deposits | 94.1858% | 1,877 |
| Total domestic deposits to total assets | 83.3068% | 4,637 |
| Equity capital to assets | 16.4899% | 543 |
| Core capital (leverage) ratio | 16.4838% | 455 |
| Tier 1 risk-based capital ratio | 36.1443% | 319 |
| Total risk-based capital ratio | 37.3975% | 314 |
| Memoranda: | ||
| Average total assets | $67,266,330 | 5,909 |
| Average earning assets | $65,928,330 | 5,756 |
| Average equity | $10,970,330 | 4,808 |
| Average total loans | $52,461,330 | 5,264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 3,193 |
| Cost of funding earning assets | 1.3351% | 1,981 |
| Net interest margin | 3.6455% | 4,350 |
| Noninterest income to average assets | 0.0777% | 7,005 |
| Noninterest expense to average assets | 1.7266% | 7,206 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1770% | 1,580 |
| Return on assets (ROA) | 1.1770% | 1,632 |
| Pretax return on assets | 1.9238% | 646 |
| Return on Equity (ROE) | 7.2577% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.2577% | 2,041 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2995% | 7,142 |
| Assets per employee ($millions) | 6.2436% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 6,535 |
| Loan loss allowance to noncurrent loans | 173.1707% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 5,906 |
| Noncurrent loans to loans | 0.5503% | 5,923 |
| Net loans and leases to total assets | 75.2082% | 1,146 |
| Net loans and leases to deposits | 89.9580% | 1,236 |
| Net loans and leases to core deposits | 90.7674% | 2,267 |
| Total domestic deposits to total assets | 83.6037% | 4,662 |
| Equity capital to assets | 15.9493% | 583 |
| Core capital (leverage) ratio | 15.9909% | 505 |
| Tier 1 risk-based capital ratio | 36.1876% | 325 |
| Total risk-based capital ratio | 37.4424% | 314 |
| Memoranda: | ||
| Average total assets | $66,951,500 | 5,971 |
| Average earning assets | $65,615,500 | 5,808 |
| Average equity | $10,857,500 | 4,828 |
| Average total loans | $52,168,500 | 5,325 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 2,621 |
| Cost of funding earning assets | 1.6558% | 1,797 |
| Net interest margin | 3.7553% | 4,132 |
| Noninterest income to average assets | 0.0609% | 7,055 |
| Noninterest expense to average assets | 2.3614% | 6,191 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8410% | 2,632 |
| Return on assets (ROA) | 0.8330% | 2,800 |
| Pretax return on assets | 1.3518% | 1,791 |
| Return on Equity (ROE) | 5.0361% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.0361% | 2,390 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3809% | 5,448 |
| Assets per employee ($millions) | 5.9294% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 6,539 |
| Loan loss allowance to noncurrent loans | 153.3742% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 6,030 |
| Noncurrent loans to loans | 0.6247% | 5,802 |
| Net loans and leases to total assets | 79.2466% | 766 |
| Net loans and leases to deposits | 95.1581% | 935 |
| Net loans and leases to core deposits | 96.5228% | 1,939 |
| Total domestic deposits to total assets | 83.2789% | 4,684 |
| Equity capital to assets | 16.4988% | 513 |
| Core capital (leverage) ratio | 16.5372% | 445 |
| Tier 1 risk-based capital ratio | 35.6975% | 327 |
| Total risk-based capital ratio | 36.9513% | 323 |
| Memoranda: | ||
| Average total assets | $63,987,400 | 6,060 |
| Average earning assets | $62,445,600 | 5,905 |
| Average equity | $10,583,600 | 4,964 |
| Average total loans | $51,923,200 | 5,405 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 2,811 |
| Cost of funding earning assets | 1.7005% | 1,876 |
| Net interest margin | 3.7145% | 4,333 |
| Noninterest income to average assets | 0.0607% | 7,223 |
| Noninterest expense to average assets | 1.8677% | 7,248 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1136% | 1,845 |
| Return on assets (ROA) | 1.1055% | 1,972 |
| Pretax return on assets | 1.8028% | 920 |
| Return on Equity (ROE) | 6.6796% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.6796% | 1,997 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7106% | 7,099 |
| Assets per employee ($millions) | 5.8666% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 7,401 |
| Loan loss allowance to noncurrent loans | 87.6877% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 5,335 |
| Noncurrent loans to loans | 0.6404% | 5,929 |
| Net loans and leases to total assets | 80.1295% | 730 |
| Net loans and leases to deposits | 96.8733% | 895 |
| Net loans and leases to core deposits | 97.8078% | 2,065 |
| Total domestic deposits to total assets | 82.7158% | 4,710 |
| Equity capital to assets | 16.7604% | 550 |
| Core capital (leverage) ratio | 16.7204% | 461 |
| Tier 1 risk-based capital ratio | 36.0365% | 322 |
| Total risk-based capital ratio | 37.0122% | 323 |
| Memoranda: | ||
| Average total assets | $63,678,500 | 6,139 |
| Average earning assets | $62,097,500 | 5,990 |
| Average equity | $10,539,250 | 5,041 |
| Average total loans | $51,857,250 | 5,487 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 2,934 |
| Cost of funding earning assets | 1.7213% | 2,007 |
| Net interest margin | 3.6885% | 4,416 |
| Noninterest income to average assets | 0.0599% | 7,286 |
| Noninterest expense to average assets | 1.8361% | 7,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1168% | 1,796 |
| Return on assets (ROA) | 1.1168% | 1,863 |
| Pretax return on assets | 1.8204% | 852 |
| Return on Equity (ROE) | 6.7771% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.7771% | 1,937 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2157% | 7,208 |
| Assets per employee ($millions) | 6.4518% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 7,438 |
| Loan loss allowance to noncurrent loans | 62.3701% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 4,871 |
| Noncurrent loans to loans | 0.9306% | 5,430 |
| Net loans and leases to total assets | 79.6444% | 853 |
| Net loans and leases to deposits | 95.5591% | 1,088 |
| Net loans and leases to core deposits | 97.0206% | 2,329 |
| Total domestic deposits to total assets | 83.3457% | 4,417 |
| Equity capital to assets | 16.4574% | 604 |
| Core capital (leverage) ratio | 16.4484% | 508 |
| Tier 1 risk-based capital ratio | 34.8920% | 356 |
| Total risk-based capital ratio | 35.8785% | 357 |
| Memoranda: | ||
| Average total assets | $63,393,670 | 6,199 |
| Average earning assets | $61,814,000 | 6,030 |
| Average equity | $10,447,000 | 5,076 |
| Average total loans | $51,809,000 | 5,528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 3,049 |
| Cost of funding earning assets | 1.7772% | 1,984 |
| Net interest margin | 3.6198% | 4,626 |
| Noninterest income to average assets | 0.0700% | 7,362 |
| Noninterest expense to average assets | 1.8144% | 7,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0950% | 1,843 |
| Return on assets (ROA) | 1.0950% | 1,927 |
| Pretax return on assets | 1.7825% | 911 |
| Return on Equity (ROE) | 6.6400% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.6400% | 2,304 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4425% | 7,283 |
| Assets per employee ($millions) | 6.3464% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 7,526 |
| Loan loss allowance to noncurrent loans | 40.3226% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 1.5647% | 4,157 |
| Noncurrent loans to loans | 1.4365% | 4,582 |
| Net loans and leases to total assets | 81.1389% | 696 |
| Net loans and leases to deposits | 97.7450% | 931 |
| Net loans and leases to core deposits | 98.7819% | 2,264 |
| Total domestic deposits to total assets | 83.0108% | 4,620 |
| Equity capital to assets | 16.4471% | 610 |
| Core capital (leverage) ratio | 16.4340% | 516 |
| Tier 1 risk-based capital ratio | 34.4283% | 373 |
| Total risk-based capital ratio | 35.4188% | 373 |
| Memoranda: | ||
| Average total assets | $62,831,500 | 6,273 |
| Average earning assets | $61,218,500 | 6,121 |
| Average equity | $10,361,500 | 5,136 |
| Average total loans | $51,871,000 | 5,592 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 3,571 |
| Cost of funding earning assets | 2.1540% | 2,218 |
| Net interest margin | 3.4520% | 5,161 |
| Noninterest income to average assets | 0.0970% | 7,281 |
| Noninterest expense to average assets | 2.1605% | 7,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8070% | 2,513 |
| Return on assets (ROA) | 0.8070% | 2,593 |
| Pretax return on assets | 1.3143% | 1,658 |
| Return on Equity (ROE) | 4.7042% | 3,795 |
| Retained earnings to average equity (ytd only) | 4.7042% | 1,972 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1754% | 6,124 |
| Assets per employee ($millions) | 6.2199% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5775% | 7,589 |
| Loan loss allowance to noncurrent loans | 44.3787% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 4,167 |
| Noncurrent loans to loans | 1.3013% | 4,752 |
| Net loans and leases to total assets | 83.0367% | 539 |
| Net loans and leases to deposits | 99.7663% | 928 |
| Net loans and leases to core deposits | 111.8794% | 2,710 |
| Total domestic deposits to total assets | 83.2312% | 4,408 |
| Equity capital to assets | 16.5356% | 613 |
| Core capital (leverage) ratio | 16.4980% | 552 |
| Tier 1 risk-based capital ratio | 33.2243% | 402 |
| Total risk-based capital ratio | 34.1960% | 399 |
| Memoranda: | ||
| Average total assets | $58,736,400 | 6,398 |
| Average earning assets | $57,474,200 | 6,235 |
| Average equity | $10,076,200 | 5,275 |
| Average total loans | $49,214,000 | 5,711 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 3,665 |
| Cost of funding earning assets | 2.2360% | 2,250 |
| Net interest margin | 3.3999% | 5,263 |
| Noninterest income to average assets | 0.0968% | 7,418 |
| Noninterest expense to average assets | 1.8478% | 7,613 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9700% | 2,162 |
| Return on assets (ROA) | 0.9700% | 2,217 |
| Pretax return on assets | 1.5805% | 1,216 |
| Return on Equity (ROE) | 5.5998% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.5998% | 2,155 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8978% | 7,243 |
| Assets per employee ($millions) | 5.9658% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3960% | 7,823 |
| Loan loss allowance to noncurrent loans | 37.3832% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 5,282 |
| Noncurrent loans to loans | 1.0593% | 5,198 |
| Net loans and leases to total assets | 84.3240% | 503 |
| Net loans and leases to deposits | 102.3874% | 898 |
| Net loans and leases to core deposits | 114.6471% | 2,766 |
| Total domestic deposits to total assets | 82.3578% | 4,520 |
| Equity capital to assets | 17.1829% | 607 |
| Core capital (leverage) ratio | 17.1871% | 525 |
| Tier 1 risk-based capital ratio | 34.9978% | 383 |
| Total risk-based capital ratio | 35.6804% | 392 |
| Memoranda: | ||
| Average total assets | $57,870,750 | 6,470 |
| Average earning assets | $56,706,250 | 6,306 |
| Average equity | $10,024,000 | 5,328 |
| Average total loans | $48,530,500 | 5,779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 3,785 |
| Cost of funding earning assets | 2.3027% | 2,349 |
| Net interest margin | 3.3543% | 5,340 |
| Noninterest income to average assets | 0.0978% | 7,493 |
| Noninterest expense to average assets | 1.8158% | 7,725 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9638% | 2,229 |
| Return on assets (ROA) | 0.9638% | 2,334 |
| Pretax return on assets | 1.5679% | 1,282 |
| Return on Equity (ROE) | 5.5487% | 3,839 |
| Retained earnings to average equity (ytd only) | 5.5487% | 2,223 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6636% | 7,366 |
| Assets per employee ($millions) | 5.9351% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4160% | 7,887 |
| Loan loss allowance to noncurrent loans | 47.9616% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 5,649 |
| Noncurrent loans to loans | 0.8674% | 5,479 |
| Net loans and leases to total assets | 80.6676% | 1,201 |
| Net loans and leases to deposits | 97.4933% | 1,605 |
| Net loans and leases to core deposits | 107.3235% | 3,688 |
| Total domestic deposits to total assets | 82.7417% | 4,363 |
| Equity capital to assets | 16.9955% | 666 |
| Core capital (leverage) ratio | 16.9969% | 612 |
| Tier 1 risk-based capital ratio | 35.1940% | 411 |
| Total risk-based capital ratio | 35.8917% | 422 |
| Memoranda: | ||
| Average total assets | $57,275,000 | 6,540 |
| Average earning assets | $56,107,330 | 6,378 |
| Average equity | $9,948,330 | 5,372 |
| Average total loans | $47,872,000 | 5,856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7552% | 3,503 |
| Cost of funding earning assets | 2.3369% | 2,551 |
| Net interest margin | 3.4183% | 5,058 |
| Noninterest income to average assets | 0.1138% | 7,463 |
| Noninterest expense to average assets | 1.7924% | 7,708 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0242% | 2,216 |
| Return on assets (ROA) | 1.0242% | 2,357 |
| Pretax return on assets | 1.6715% | 1,238 |
| Return on Equity (ROE) | 5.8305% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.8305% | 2,702 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7454% | 7,442 |
| Assets per employee ($millions) | 5.7549% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4187% | 7,923 |
| Loan loss allowance to noncurrent loans | 47.8469% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 5,343 |
| Noncurrent loans to loans | 0.8751% | 5,266 |
| Net loans and leases to total assets | 82.6513% | 907 |
| Net loans and leases to deposits | 100.5220% | 1,339 |
| Net loans and leases to core deposits | 109.6549% | 3,484 |
| Total domestic deposits to total assets | 82.2221% | 4,464 |
| Equity capital to assets | 17.2983% | 690 |
| Core capital (leverage) ratio | 17.2997% | 623 |
| Tier 1 risk-based capital ratio | 35.0021% | 436 |
| Total risk-based capital ratio | 35.7334% | 442 |
| Memoranda: | ||
| Average total assets | $56,237,000 | 6,621 |
| Average earning assets | $55,115,000 | 6,453 |
| Average equity | $9,879,000 | 5,418 |
| Average total loans | $47,769,500 | 5,882 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9561% | 5,779 |
| Cost of funding earning assets | 2.5840% | 3,770 |
| Net interest margin | 3.3721% | 5,778 |
| Noninterest income to average assets | -0.0990% | 8,200 |
| Noninterest expense to average assets | 2.2053% | 6,950 |
| Loan and lease loss provision to assets | 0.1371% | 5,602 |
| Net operating income to assets | 0.5209% | 4,648 |
| Return on assets (ROA) | 0.7427% | 3,545 |
| Pretax return on assets | 1.2055% | 2,613 |
| Return on Equity (ROE) | 3.9893% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.9893% | 2,653 |
| Net charge-offs to loans | 0.0618% | 5,894 |
| Credit loss provision to net charge-offs | 257.1429% | 1,803 |
| Earnings coverage of net charge-offs (x) | 18.6786% | 1,688 |
| Efficiency ratio | 68.8876% | 4,557 |
| Assets per employee ($millions) | 5.4925% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4186% | 7,956 |
| Loan loss allowance to noncurrent loans | 98.5222% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 6,129 |
| Noncurrent loans to loans | 0.4249% | 6,066 |
| Net loans and leases to total assets | 86.6163% | 523 |
| Net loans and leases to deposits | 105.5535% | 1,163 |
| Net loans and leases to core deposits | 116.4260% | 3,071 |
| Total domestic deposits to total assets | 82.0592% | 4,176 |
| Equity capital to assets | 17.8480% | 667 |
| Core capital (leverage) ratio | 17.8480% | 623 |
| Tier 1 risk-based capital ratio | 35.0182% | 441 |
| Total risk-based capital ratio | 35.7327% | 449 |
| Memoranda: | ||
| Average total assets | $52,510,800 | 6,677 |
| Average earning assets | $51,392,400 | 6,532 |
| Average equity | $9,776,200 | 5,486 |
| Average total loans | $45,311,200 | 5,914 |