Home > Pioneer Federal Savings and Loan Association > Performance and Condition Ratios
Pioneer Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 3,413 |
| Cost of funding earning assets | 1.0857% | 3,103 |
| Net interest margin | 3.2323% | 2,790 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.9138% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2320% | 4,123 |
| Return on assets (ROA) | 0.2357% | 4,127 |
| Pretax return on assets | 0.3670% | 4,012 |
| Return on Equity (ROE) | 1.4400% | 4,217 |
| Retained earnings to average equity (ytd only) | 1.4353% | 3,729 |
| 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 | 88.9394% | 452 |
| Assets per employee ($millions) | 5.6335% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,257 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.9200% | 1,591 |
| Net loans and leases to deposits | 93.9900% | 940 |
| Net loans and leases to core deposits | 101.2509% | 1,368 |
| Total domestic deposits to total assets | 76.5100% | 3,893 |
| Equity capital to assets | 15.8917% | 470 |
| Core capital (leverage) ratio | 16.5196% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $107,351,800 | 3,762 |
| Average earning assets | $101,413,200 | 3,732 |
| Average equity | $17,626,600 | 3,040 |
| Average total loans | $80,203,400 | 3,401 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 3,512 |
| Cost of funding earning assets | 0.9356% | 3,189 |
| Net interest margin | 3.2403% | 2,821 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.9905% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2430% | 4,189 |
| Return on assets (ROA) | 0.2301% | 4,213 |
| Pretax return on assets | 0.2968% | 4,170 |
| Return on Equity (ROE) | 1.3900% | 4,271 |
| Retained earnings to average equity (ytd only) | 1.3897% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.5215% | 357 |
| Assets per employee ($millions) | 5.6678% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,228 |
| Loan loss allowance to noncurrent loans | 1,966.6667% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,278 |
| Noncurrent loans to loans | 0.0742% | 3,230 |
| Net loans and leases to total assets | 70.3400% | 1,785 |
| Net loans and leases to deposits | 91.4334% | 1,103 |
| Net loans and leases to core deposits | 98.3422% | 1,425 |
| Total domestic deposits to total assets | 76.9200% | 3,935 |
| Equity capital to assets | 15.4363% | 492 |
| Core capital (leverage) ratio | 17.3307% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $106,022,500 | 3,789 |
| Average earning assets | $100,606,500 | 3,753 |
| Average equity | $17,557,000 | 3,034 |
| Average total loans | $79,702,750 | 3,417 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 3,399 |
| Cost of funding earning assets | 0.8188% | 3,159 |
| Net interest margin | 3.3300% | 2,683 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.0953% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2321% | 4,245 |
| Return on assets (ROA) | 0.2336% | 4,265 |
| Pretax return on assets | 0.3070% | 4,228 |
| Return on Equity (ROE) | 1.3800% | 4,341 |
| Retained earnings to average equity (ytd only) | 1.3768% | 3,847 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.0278% | 329 |
| Assets per employee ($millions) | 5.1647% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,272 |
| 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 | 76.4900% | 1,002 |
| Net loans and leases to deposits | 92.9227% | 958 |
| Net loans and leases to core deposits | 99.1380% | 1,280 |
| Total domestic deposits to total assets | 82.3200% | 3,167 |
| Equity capital to assets | 17.0775% | 386 |
| Core capital (leverage) ratio | 17.7614% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $103,578,000 | 3,824 |
| Average earning assets | $98,678,667 | 3,789 |
| Average equity | $17,576,667 | 3,055 |
| Average total loans | $79,300,667 | 3,425 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 3,138 |
| Cost of funding earning assets | 0.6392% | 3,263 |
| Net interest margin | 3.5118% | 2,331 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 3.0814% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3858% | 4,108 |
| Return on assets (ROA) | 0.4011% | 4,036 |
| Pretax return on assets | 0.5168% | 3,970 |
| Return on Equity (ROE) | 2.3700% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.3710% | 3,634 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.0991% | 506 |
| Assets per employee ($millions) | 5.2028% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,286 |
| Loan loss allowance to noncurrent loans | 1,934.4262% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,201 |
| Noncurrent loans to loans | 0.0772% | 3,187 |
| Net loans and leases to total assets | 74.8200% | 1,097 |
| Net loans and leases to deposits | 90.7056% | 998 |
| Net loans and leases to core deposits | 97.9457% | 1,176 |
| Total domestic deposits to total assets | 82.4900% | 3,406 |
| Equity capital to assets | 16.9756% | 345 |
| Core capital (leverage) ratio | 17.9102% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $103,720,000 | 3,872 |
| Average earning assets | $98,866,000 | 3,834 |
| Average equity | $17,545,000 | 3,082 |
| Average total loans | $78,854,000 | 3,468 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 3,095 |
| Cost of funding earning assets | 0.2764% | 3,075 |
| Net interest margin | 3.2151% | 2,828 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.6261% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5322% | 4,030 |
| Return on assets (ROA) | 0.5092% | 4,037 |
| Pretax return on assets | 0.6586% | 3,930 |
| Return on Equity (ROE) | 3.2300% | 4,272 |
| Retained earnings to average equity (ytd only) | 3.2274% | 3,657 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.2468% | 772 |
| Assets per employee ($millions) | 5.1693% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,201 |
| Loan loss allowance to noncurrent loans | 723.9264% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,427 |
| Noncurrent loans to loans | 0.2072% | 2,459 |
| Net loans and leases to total assets | 74.9500% | 1,135 |
| Net loans and leases to deposits | 90.6909% | 999 |
| Net loans and leases to core deposits | 96.4537% | 1,177 |
| Total domestic deposits to total assets | 82.6500% | 3,503 |
| Equity capital to assets | 16.8554% | 343 |
| Core capital (leverage) ratio | 17.1850% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $109,783,200 | 3,840 |
| Average earning assets | $105,283,200 | 3,786 |
| Average equity | $17,320,400 | 3,184 |
| Average total loans | $75,749,800 | 3,477 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 3,063 |
| Cost of funding earning assets | 0.2458% | 2,751 |
| Net interest margin | 3.0994% | 2,939 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.5940% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4424% | 4,177 |
| Return on assets (ROA) | 0.4046% | 4,176 |
| Pretax return on assets | 0.5219% | 4,113 |
| Return on Equity (ROE) | 2.6100% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.6058% | 3,889 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.9902% | 653 |
| Assets per employee ($millions) | 5.8434% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,209 |
| 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 | 68.2000% | 1,655 |
| Net loans and leases to deposits | 81.0858% | 1,518 |
| Net loans and leases to core deposits | 86.4752% | 1,501 |
| Total domestic deposits to total assets | 84.1100% | 3,478 |
| Equity capital to assets | 15.2939% | 426 |
| Core capital (leverage) ratio | 16.0992% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $111,382,750 | 3,844 |
| Average earning assets | $106,855,750 | 3,783 |
| Average equity | $17,294,000 | 3,216 |
| Average total loans | $75,020,000 | 3,496 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2087% | 3,012 |
| Cost of funding earning assets | 0.2424% | 2,365 |
| Net interest margin | 2.9663% | 2,984 |
| Noninterest income to average assets | 0.1883% | 4,065 |
| Noninterest expense to average assets | 2.6044% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3468% | 4,210 |
| Return on assets (ROA) | 0.3085% | 4,226 |
| Pretax return on assets | 0.3892% | 4,176 |
| Return on Equity (ROE) | 1.9772% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.9772% | 3,757 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6132% | 596 |
| Assets per employee ($millions) | 6.0160% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.6154% | 1,840 |
| Net loans and leases to deposits | 76.4512% | 1,653 |
| Net loans and leases to core deposits | 82.2628% | 1,579 |
| Total domestic deposits to total assets | 84.5185% | 3,586 |
| Equity capital to assets | 14.9995% | 403 |
| Core capital (leverage) ratio | 15.9246% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,502,000 | 3,881 |
| Average earning assets | $107,271,000 | 3,834 |
| Average equity | $17,398,667 | 3,284 |
| Average total loans | $74,392,667 | 3,544 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2138% | 2,644 |
| Cost of funding earning assets | 0.2455% | 2,210 |
| Net interest margin | 2.9683% | 2,608 |
| Noninterest income to average assets | 0.1962% | 3,984 |
| Noninterest expense to average assets | 2.5794% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3735% | 4,013 |
| Return on assets (ROA) | 0.3161% | 4,079 |
| Pretax return on assets | 0.3996% | 4,034 |
| Return on Equity (ROE) | 1.9857% | 4,258 |
| Retained earnings to average equity (ytd only) | 1.9857% | 3,540 |
| Net charge-offs to loans | 0.0378% | 906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 18.5714% | 1,304 |
| Efficiency ratio | 84.5238% | 813 |
| Assets per employee ($millions) | 5.5644% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 1,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.1262% | 1,498 |
| Net loans and leases to deposits | 77.5894% | 1,321 |
| Net loans and leases to core deposits | 83.0901% | 1,292 |
| Total domestic deposits to total assets | 83.9370% | 3,783 |
| Equity capital to assets | 15.5948% | 347 |
| Core capital (leverage) ratio | 16.0913% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,101,000 | 3,915 |
| Average earning assets | $105,918,500 | 3,858 |
| Average equity | $17,525,500 | 3,357 |
| Average total loans | $74,070,000 | 3,556 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3650% | 3,017 |
| Cost of funding earning assets | 0.3054% | 2,358 |
| Net interest margin | 3.0596% | 3,021 |
| Noninterest income to average assets | 0.2024% | 4,154 |
| Noninterest expense to average assets | 2.7342% | 1,532 |
| Loan and lease loss provision to assets | 0.0618% | 1,834 |
| Net operating income to assets | 0.2571% | 4,473 |
| Return on assets (ROA) | 0.2539% | 4,496 |
| Pretax return on assets | 0.3036% | 4,491 |
| Return on Equity (ROE) | 1.5380% | 4,554 |
| Retained earnings to average equity (ytd only) | 1.5380% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1039% | 381 |
| Assets per employee ($millions) | 5.4458% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.3094% | 1,330 |
| Net loans and leases to deposits | 80.8269% | 1,148 |
| Net loans and leases to core deposits | 87.4560% | 1,113 |
| Total domestic deposits to total assets | 83.2759% | 3,753 |
| Equity capital to assets | 16.2475% | 353 |
| Core capital (leverage) ratio | 16.2207% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,721,800 | 3,924 |
| Average earning assets | $101,188,400 | 3,897 |
| Average equity | $17,620,800 | 3,415 |
| Average total loans | $69,692,200 | 3,656 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 3,133 |
| Cost of funding earning assets | 0.3205% | 2,400 |
| Net interest margin | 3.0681% | 3,132 |
| Noninterest income to average assets | 0.2047% | 4,176 |
| Noninterest expense to average assets | 2.7652% | 1,416 |
| Loan and lease loss provision to assets | 0.0678% | 1,647 |
| Net operating income to assets | 0.2199% | 4,610 |
| Return on assets (ROA) | 0.2147% | 4,635 |
| Pretax return on assets | 0.2625% | 4,621 |
| Return on Equity (ROE) | 1.2953% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.2953% | 4,352 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1498% | 348 |
| Assets per employee ($millions) | 5.7319% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 1,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.8890% | 1,666 |
| Net loans and leases to deposits | 77.9811% | 1,488 |
| Net loans and leases to core deposits | 83.7358% | 1,445 |
| Total domestic deposits to total assets | 83.2112% | 3,651 |
| Equity capital to assets | 16.1965% | 398 |
| Core capital (leverage) ratio | 16.3121% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,173,500 | 3,980 |
| Average earning assets | $100,254,750 | 3,954 |
| Average equity | $17,602,000 | 3,461 |
| Average total loans | $68,492,750 | 3,730 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 3,096 |
| Cost of funding earning assets | 0.3270% | 2,527 |
| Net interest margin | 3.0993% | 3,042 |
| Noninterest income to average assets | 0.1957% | 4,218 |
| Noninterest expense to average assets | 2.8291% | 1,292 |
| Loan and lease loss provision to assets | 0.0684% | 1,682 |
| Net operating income to assets | 0.1947% | 4,642 |
| Return on assets (ROA) | 0.1900% | 4,658 |
| Pretax return on assets | 0.2280% | 4,654 |
| Return on Equity (ROE) | 1.1370% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.1370% | 4,309 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3519% | 333 |
| Assets per employee ($millions) | 5.6437% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 1,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.3023% | 1,913 |
| Net loans and leases to deposits | 77.4750% | 1,681 |
| Net loans and leases to core deposits | 83.4215% | 1,609 |
| Total domestic deposits to total assets | 82.9975% | 3,707 |
| Equity capital to assets | 16.4262% | 380 |
| Core capital (leverage) ratio | 16.0518% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,262,667 | 4,008 |
| Average earning assets | $99,700,000 | 3,977 |
| Average equity | $17,589,667 | 3,467 |
| Average total loans | $67,378,333 | 3,772 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 2,960 |
| Cost of funding earning assets | 0.3335% | 2,677 |
| Net interest margin | 3.1563% | 2,817 |
| Noninterest income to average assets | 0.2033% | 4,169 |
| Noninterest expense to average assets | 2.7733% | 1,424 |
| Loan and lease loss provision to assets | 0.0690% | 1,772 |
| Net operating income to assets | 0.2725% | 4,556 |
| Return on assets (ROA) | 0.2570% | 4,603 |
| Pretax return on assets | 0.3184% | 4,581 |
| Return on Equity (ROE) | 1.5247% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.5247% | 4,115 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2135% | 475 |
| Assets per employee ($millions) | 5.6491% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 1,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 2,445 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.8378% | 2,425 |
| Net loans and leases to deposits | 73.7009% | 2,141 |
| Net loans and leases to core deposits | 78.5231% | 2,139 |
| Total domestic deposits to total assets | 82.5468% | 3,789 |
| Equity capital to assets | 16.3566% | 358 |
| Core capital (leverage) ratio | 16.7417% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,278,500 | 4,024 |
| Average earning assets | $98,344,500 | 3,997 |
| Average equity | $17,577,500 | 3,465 |
| Average total loans | $66,016,500 | 3,813 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 2,909 |
| Cost of funding earning assets | 0.3831% | 3,688 |
| Net interest margin | 3.5540% | 2,299 |
| Noninterest income to average assets | 0.1990% | 4,285 |
| Noninterest expense to average assets | 2.7886% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6267% | 3,663 |
| Return on assets (ROA) | 0.6325% | 3,771 |
| Pretax return on assets | 0.8178% | 3,589 |
| Return on Equity (ROE) | 3.4967% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.4967% | 3,080 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4804% | 1,086 |
| Assets per employee ($millions) | 5.6236% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 1,041 |
| Loan loss allowance to noncurrent loans | 304.3716% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 2,536 |
| Noncurrent loans to loans | 0.5579% | 2,307 |
| Net loans and leases to total assets | 63.7082% | 2,404 |
| Net loans and leases to deposits | 78.2204% | 2,043 |
| Net loans and leases to core deposits | 82.3654% | 2,168 |
| Total domestic deposits to total assets | 81.4471% | 3,773 |
| Equity capital to assets | 17.3862% | 308 |
| Core capital (leverage) ratio | 17.4067% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,494,400 | 4,051 |
| Average earning assets | $91,362,800 | 4,010 |
| Average equity | $17,273,400 | 3,435 |
| Average total loans | $61,913,400 | 3,887 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 2,910 |
| Cost of funding earning assets | 0.3898% | 3,866 |
| Net interest margin | 3.6313% | 2,158 |
| Noninterest income to average assets | 0.1999% | 4,280 |
| Noninterest expense to average assets | 2.8519% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6260% | 3,703 |
| Return on assets (ROA) | 0.6294% | 3,784 |
| Pretax return on assets | 0.8250% | 3,580 |
| Return on Equity (ROE) | 3.4434% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.4434% | 3,340 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6534% | 1,070 |
| Assets per employee ($millions) | 5.5140% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 701 |
| Loan loss allowance to noncurrent loans | 37,133.3333% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,522 |
| Noncurrent loans to loans | 0.0049% | 4,441 |
| Net loans and leases to total assets | 60.8522% | 3,124 |
| Net loans and leases to deposits | 75.0674% | 2,842 |
| Net loans and leases to core deposits | 79.1345% | 2,915 |
| Total domestic deposits to total assets | 81.0634% | 3,646 |
| Equity capital to assets | 17.5704% | 334 |
| Core capital (leverage) ratio | 17.7205% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,062,000 | 4,068 |
| Average earning assets | $89,957,000 | 4,020 |
| Average equity | $17,192,000 | 3,446 |
| Average total loans | $60,991,250 | 3,918 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,831 |
| Cost of funding earning assets | 0.3959% | 4,050 |
| Net interest margin | 3.7814% | 1,885 |
| Noninterest income to average assets | 0.1885% | 4,334 |
| Noninterest expense to average assets | 2.9134% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6975% | 3,396 |
| Return on assets (ROA) | 0.6975% | 3,501 |
| Pretax return on assets | 0.9163% | 3,263 |
| Return on Equity (ROE) | 3.7640% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.7640% | 3,033 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0747% | 1,258 |
| Assets per employee ($millions) | 5.3903% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 590 |
| Loan loss allowance to noncurrent loans | 2,025.4545% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,068 |
| Noncurrent loans to loans | 0.0912% | 4,098 |
| Net loans and leases to total assets | 60.9833% | 3,216 |
| Net loans and leases to deposits | 75.8295% | 2,890 |
| Net loans and leases to core deposits | 80.0587% | 2,942 |
| Total domestic deposits to total assets | 80.4215% | 3,748 |
| Equity capital to assets | 17.8696% | 309 |
| Core capital (leverage) ratio | 18.0730% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,332,000 | 4,090 |
| Average earning assets | $88,908,667 | 4,043 |
| Average equity | $17,109,667 | 3,463 |
| Average total loans | $60,818,000 | 3,926 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 3,379 |
| Cost of funding earning assets | 0.4108% | 4,324 |
| Net interest margin | 3.7386% | 2,185 |
| Noninterest income to average assets | 0.2089% | 4,298 |
| Noninterest expense to average assets | 3.0894% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5556% | 3,720 |
| Return on assets (ROA) | 0.5556% | 3,782 |
| Pretax return on assets | 0.7201% | 3,625 |
| Return on Equity (ROE) | 2.9420% | 4,230 |
| Retained earnings to average equity (ytd only) | 2.9420% | 3,108 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0968% | 1,032 |
| Assets per employee ($millions) | 4.7654% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 4,427 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.2393% | 2,904 |
| Net loans and leases to deposits | 82.1955% | 2,430 |
| Net loans and leases to core deposits | 87.1803% | 2,582 |
| Total domestic deposits to total assets | 79.3709% | 3,980 |
| Equity capital to assets | 18.9050% | 294 |
| Core capital (leverage) ratio | 18.8546% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,985,500 | 4,120 |
| Average earning assets | $86,663,500 | 4,069 |
| Average equity | $16,995,500 | 3,472 |
| Average total loans | $61,085,500 | 3,936 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 3,771 |
| Cost of funding earning assets | 0.4072% | 4,423 |
| Net interest margin | 3.8090% | 2,474 |
| Noninterest income to average assets | 0.2153% | 4,376 |
| Noninterest expense to average assets | 4.1241% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1171% | 5,007 |
| Return on assets (ROA) | -0.1171% | 5,018 |
| Pretax return on assets | -0.2566% | 5,029 |
| Return on Equity (ROE) | -0.6235% | 5,008 |
| Retained earnings to average equity (ytd only) | -0.6235% | 4,773 |
| Net charge-offs to loans | 0.0148% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -25.5556% | 3,705 |
| Efficiency ratio | 106.6340% | 118 |
| Assets per employee ($millions) | 4.7068% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 664 |
| Loan loss allowance to noncurrent loans | 3,276.4706% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,450 |
| Noncurrent loans to loans | 0.0548% | 4,324 |
| Net loans and leases to total assets | 68.0696% | 2,671 |
| Net loans and leases to deposits | 85.7247% | 2,131 |
| Net loans and leases to core deposits | 90.9980% | 2,323 |
| Total domestic deposits to total assets | 79.4049% | 4,100 |
| Equity capital to assets | 18.8686% | 306 |
| Core capital (leverage) ratio | 18.7875% | 284 |
| Tier 1 risk-based capital ratio | 36.2483% | 306 |
| Total risk-based capital ratio | 37.5105% | 299 |
| Memoranda: | ||
| Average total assets | $89,643,400 | 4,152 |
| Average earning assets | $85,953,200 | 4,100 |
| Average equity | $16,840,000 | 3,453 |
| Average total loans | $60,888,800 | 3,966 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 3,955 |
| Cost of funding earning assets | 0.4031% | 4,494 |
| Net interest margin | 3.7799% | 2,657 |
| Noninterest income to average assets | 0.2096% | 4,469 |
| Noninterest expense to average assets | 4.1531% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.1412% | 5,094 |
| Return on assets (ROA) | -0.1412% | 5,102 |
| Pretax return on assets | -0.3196% | 5,119 |
| Return on Equity (ROE) | -0.7525% | 5,093 |
| Retained earnings to average equity (ytd only) | -0.7525% | 4,838 |
| Net charge-offs to loans | 0.0198% | 2,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -23.8883% | 3,440 |
| Efficiency ratio | 108.3366% | 112 |
| Assets per employee ($millions) | 4.5066% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 626 |
| Loan loss allowance to noncurrent loans | 3,276.4706% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,533 |
| Noncurrent loans to loans | 0.0561% | 4,385 |
| Net loans and leases to total assets | 66.0387% | 3,044 |
| Net loans and leases to deposits | 82.9205% | 2,579 |
| Net loans and leases to core deposits | 87.9436% | 2,738 |
| Total domestic deposits to total assets | 79.6410% | 4,062 |
| Equity capital to assets | 18.7747% | 328 |
| Core capital (leverage) ratio | 18.8263% | 303 |
| Tier 1 risk-based capital ratio | 35.9150% | 323 |
| Total risk-based capital ratio | 37.1777% | 318 |
| Memoranda: | ||
| Average total assets | $89,697,000 | 4,205 |
| Average earning assets | $85,997,250 | 4,149 |
| Average equity | $16,831,500 | 3,476 |
| Average total loans | $60,614,000 | 4,016 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 4,002 |
| Cost of funding earning assets | 0.3965% | 4,523 |
| Net interest margin | 3.7694% | 2,697 |
| Noninterest income to average assets | 0.2055% | 4,521 |
| Noninterest expense to average assets | 4.1473% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2144% | 5,150 |
| Return on assets (ROA) | -0.2144% | 5,156 |
| Pretax return on assets | -0.3328% | 5,171 |
| Return on Equity (ROE) | -1.1428% | 5,145 |
| Retained earnings to average equity (ytd only) | -1.1428% | 4,839 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7237% | 104 |
| Assets per employee ($millions) | 4.7191% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.0038% | 3,105 |
| Net loans and leases to deposits | 82.6608% | 2,656 |
| Net loans and leases to core deposits | 88.0630% | 2,788 |
| Total domestic deposits to total assets | 79.8490% | 4,066 |
| Equity capital to assets | 18.8205% | 302 |
| Core capital (leverage) ratio | 18.6970% | 297 |
| Tier 1 risk-based capital ratio | 36.6321% | 298 |
| Total risk-based capital ratio | 37.8961% | 294 |
| Memoranda: | ||
| Average total assets | $89,552,000 | 4,230 |
| Average earning assets | $85,743,000 | 4,181 |
| Average equity | $16,801,330 | 3,483 |
| Average total loans | $60,606,670 | 4,039 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 4,075 |
| Cost of funding earning assets | 0.3872% | 4,541 |
| Net interest margin | 3.7320% | 2,777 |
| Noninterest income to average assets | 0.1967% | 4,581 |
| Noninterest expense to average assets | 4.1745% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2682% | 5,221 |
| Return on assets (ROA) | -0.2682% | 5,216 |
| Pretax return on assets | -0.4023% | 5,232 |
| Return on Equity (ROE) | -1.4316% | 5,202 |
| Retained earnings to average equity (ytd only) | -1.4316% | 4,700 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6635% | 99 |
| Assets per employee ($millions) | 4.7048% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.5082% | 2,974 |
| Net loans and leases to deposits | 82.8983% | 2,514 |
| Net loans and leases to core deposits | 88.9576% | 2,601 |
| Total domestic deposits to total assets | 80.2287% | 4,133 |
| Equity capital to assets | 18.7959% | 295 |
| Core capital (leverage) ratio | 18.6570% | 292 |
| Tier 1 risk-based capital ratio | 36.5439% | 291 |
| Total risk-based capital ratio | 37.8064% | 284 |
| Memoranda: | ||
| Average total assets | $89,496,500 | 4,272 |
| Average earning assets | $85,745,000 | 4,224 |
| Average equity | $16,764,500 | 3,500 |
| Average total loans | $60,758,000 | 4,076 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,985 |
| Cost of funding earning assets | 0.3069% | 4,540 |
| Net interest margin | 3.7068% | 3,009 |
| Noninterest income to average assets | 0.2159% | 4,618 |
| Noninterest expense to average assets | 2.9168% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6680% | 4,238 |
| Return on assets (ROA) | 0.6680% | 4,246 |
| Pretax return on assets | 0.8486% | 4,039 |
| Return on Equity (ROE) | 3.8126% | 4,753 |
| Retained earnings to average equity (ytd only) | 3.8126% | 3,478 |
| Net charge-offs to loans | -0.0098% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4624% | 1,186 |
| Assets per employee ($millions) | 4.7158% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.7593% | 3,033 |
| Net loans and leases to deposits | 82.8077% | 2,640 |
| Net loans and leases to core deposits | 89.4942% | 2,613 |
| Total domestic deposits to total assets | 80.6196% | 3,972 |
| Equity capital to assets | 18.6683% | 291 |
| Core capital (leverage) ratio | 18.7307% | 276 |
| Tier 1 risk-based capital ratio | 37.1816% | 276 |
| Total risk-based capital ratio | 38.4463% | 272 |
| Memoranda: | ||
| Average total assets | $93,560,800 | 4,207 |
| Average earning assets | $89,592,800 | 4,149 |
| Average equity | $16,393,000 | 3,472 |
| Average total loans | $61,182,000 | 4,065 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 4,050 |
| Cost of funding earning assets | 0.2854% | 4,608 |
| Net interest margin | 3.6735% | 3,107 |
| Noninterest income to average assets | 0.2157% | 4,679 |
| Noninterest expense to average assets | 2.8696% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6670% | 4,329 |
| Return on assets (ROA) | 0.6670% | 4,343 |
| Pretax return on assets | 0.8672% | 4,124 |
| Return on Equity (ROE) | 3.8668% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.8668% | 3,847 |
| Net charge-offs to loans | -0.0131% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7925% | 1,256 |
| Assets per employee ($millions) | 5.0187% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.7442% | 3,097 |
| Net loans and leases to deposits | 82.6262% | 2,754 |
| Net loans and leases to core deposits | 89.2095% | 2,729 |
| Total domestic deposits to total assets | 80.7784% | 3,931 |
| Equity capital to assets | 18.2330% | 317 |
| Core capital (leverage) ratio | 18.1623% | 319 |
| Tier 1 risk-based capital ratio | 36.4178% | 290 |
| Total risk-based capital ratio | 37.6807% | 281 |
| Memoranda: | ||
| Average total assets | $94,550,750 | 4,231 |
| Average earning assets | $90,629,750 | 4,176 |
| Average equity | $16,309,500 | 3,505 |
| Average total loans | $61,242,500 | 4,102 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 4,231 |
| Cost of funding earning assets | 0.2720% | 4,621 |
| Net interest margin | 3.5727% | 3,405 |
| Noninterest income to average assets | 0.2168% | 4,724 |
| Noninterest expense to average assets | 2.8013% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6461% | 4,358 |
| Return on assets (ROA) | 0.6461% | 4,363 |
| Pretax return on assets | 0.8379% | 4,139 |
| Return on Equity (ROE) | 3.8141% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.8141% | 3,691 |
| Net charge-offs to loans | 0.0065% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 419 |
| Efficiency ratio | 76.9759% | 1,321 |
| Assets per employee ($millions) | 5.0035% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 739 |
| Loan loss allowance to noncurrent loans | 622.9050% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 4,038 |
| Noncurrent loans to loans | 0.2912% | 3,659 |
| Net loans and leases to total assets | 63.4952% | 3,453 |
| Net loans and leases to deposits | 77.4669% | 3,206 |
| Net loans and leases to core deposits | 83.2088% | 3,149 |
| Total domestic deposits to total assets | 81.9643% | 3,731 |
| Equity capital to assets | 17.2005% | 384 |
| Core capital (leverage) ratio | 17.3599% | 359 |
| Tier 1 risk-based capital ratio | 34.2910% | 342 |
| Total risk-based capital ratio | 35.5539% | 338 |
| Memoranda: | ||
| Average total assets | $95,955,670 | 4,246 |
| Average earning assets | $91,918,670 | 4,186 |
| Average equity | $16,255,670 | 3,526 |
| Average total loans | $61,184,330 | 4,132 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7394% | 4,383 |
| Cost of funding earning assets | 0.2720% | 4,564 |
| Net interest margin | 3.4674% | 3,651 |
| Noninterest income to average assets | 0.2158% | 4,717 |
| Noninterest expense to average assets | 2.7925% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5851% | 4,466 |
| Return on assets (ROA) | 0.5851% | 4,473 |
| Pretax return on assets | 0.7552% | 4,277 |
| Return on Equity (ROE) | 3.4799% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.4799% | 3,811 |
| Net charge-offs to loans | 0.0131% | 2,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 650 |
| Efficiency ratio | 78.7135% | 1,293 |
| Assets per employee ($millions) | 5.3528% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 720 |
| Loan loss allowance to noncurrent loans | 619.4444% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 4,153 |
| Noncurrent loans to loans | 0.2978% | 3,695 |
| Net loans and leases to total assets | 61.5707% | 3,600 |
| Net loans and leases to deposits | 74.6364% | 3,351 |
| Net loans and leases to core deposits | 81.7698% | 3,162 |
| Total domestic deposits to total assets | 82.4942% | 3,816 |
| Equity capital to assets | 16.8291% | 411 |
| Core capital (leverage) ratio | 17.1131% | 372 |
| Tier 1 risk-based capital ratio | 35.2889% | 322 |
| Total risk-based capital ratio | 36.5526% | 320 |
| Memoranda: | ||
| Average total assets | $96,400,000 | 4,282 |
| Average earning assets | $92,634,500 | 4,218 |
| Average equity | $16,207,500 | 3,560 |
| Average total loans | $61,037,500 | 4,177 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 3,973 |
| Cost of funding earning assets | 0.2809% | 4,305 |
| Net interest margin | 3.5414% | 3,372 |
| Noninterest income to average assets | 0.2066% | 4,906 |
| Noninterest expense to average assets | 2.8493% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3777% | 4,758 |
| Return on assets (ROA) | 0.3777% | 4,772 |
| Pretax return on assets | 0.7452% | 4,400 |
| Return on Equity (ROE) | 2.3083% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.3083% | 3,937 |
| Net charge-offs to loans | 0.0128% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 687 |
| Efficiency ratio | 79.2693% | 1,183 |
| Assets per employee ($millions) | 4.8225% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 764 |
| Loan loss allowance to noncurrent loans | 610.3825% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 4,181 |
| Noncurrent loans to loans | 0.2969% | 3,717 |
| Net loans and leases to total assets | 62.7472% | 3,517 |
| Net loans and leases to deposits | 75.9821% | 3,328 |
| Net loans and leases to core deposits | 83.3480% | 3,122 |
| Total domestic deposits to total assets | 82.5815% | 3,703 |
| Equity capital to assets | 16.7964% | 415 |
| Core capital (leverage) ratio | 16.5442% | 410 |
| Tier 1 risk-based capital ratio | 35.0273% | 317 |
| Total risk-based capital ratio | 36.2903% | 311 |
| Memoranda: | ||
| Average total assets | $98,235,000 | 4,271 |
| Average earning assets | $93,974,800 | 4,200 |
| Average equity | $16,072,400 | 3,583 |
| Average total loans | $62,264,200 | 4,146 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,104 |
| Cost of funding earning assets | 0.2784% | 4,333 |
| Net interest margin | 3.4911% | 3,533 |
| Noninterest income to average assets | 0.2040% | 4,991 |
| Noninterest expense to average assets | 2.8346% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4675% | 4,830 |
| Return on assets (ROA) | 0.4675% | 4,863 |
| Pretax return on assets | 0.7066% | 4,594 |
| Return on Equity (ROE) | 2.8760% | 5,138 |
| Retained earnings to average equity (ytd only) | 2.8760% | 4,193 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0458% | 1,098 |
| Assets per employee ($millions) | 4.9923% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 845 |
| Loan loss allowance to noncurrent loans | 1,092.2330% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 4,723 |
| Noncurrent loans to loans | 0.1657% | 4,399 |
| Net loans and leases to total assets | 61.1291% | 3,755 |
| Net loans and leases to deposits | 73.7556% | 3,601 |
| Net loans and leases to core deposits | 81.9009% | 3,295 |
| Total domestic deposits to total assets | 82.8806% | 3,495 |
| Equity capital to assets | 16.2400% | 505 |
| Core capital (leverage) ratio | 16.6609% | 411 |
| Tier 1 risk-based capital ratio | 34.3418% | 343 |
| Total risk-based capital ratio | 35.6052% | 334 |
| Memoranda: | ||
| Average total assets | $98,681,500 | 4,304 |
| Average earning assets | $94,333,250 | 4,232 |
| Average equity | $16,040,500 | 3,622 |
| Average total loans | $62,421,250 | 4,173 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 3,942 |
| Cost of funding earning assets | 0.2785% | 4,306 |
| Net interest margin | 3.5060% | 3,375 |
| Noninterest income to average assets | 0.1852% | 5,123 |
| Noninterest expense to average assets | 2.8222% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4761% | 4,769 |
| Return on assets (ROA) | 0.4761% | 4,802 |
| Pretax return on assets | 0.7183% | 4,502 |
| Return on Equity (ROE) | 2.9282% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.9282% | 3,975 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7126% | 1,244 |
| Assets per employee ($millions) | 4.9305% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.6383% | 3,557 |
| Net loans and leases to deposits | 75.5994% | 3,387 |
| Net loans and leases to core deposits | 83.7712% | 3,094 |
| Total domestic deposits to total assets | 82.8555% | 3,608 |
| Equity capital to assets | 16.3525% | 491 |
| Core capital (leverage) ratio | 16.5586% | 413 |
| Tier 1 risk-based capital ratio | 33.6054% | 343 |
| Total risk-based capital ratio | 34.8670% | 338 |
| Memoranda: | ||
| Average total assets | $98,293,330 | 4,337 |
| Average earning assets | $94,067,330 | 4,265 |
| Average equity | $15,982,330 | 3,643 |
| Average total loans | $62,508,330 | 4,190 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 3,825 |
| Cost of funding earning assets | 0.2807% | 4,249 |
| Net interest margin | 3.5004% | 3,273 |
| Noninterest income to average assets | 0.1753% | 5,226 |
| Noninterest expense to average assets | 2.7717% | 2,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4973% | 4,608 |
| Return on assets (ROA) | 0.4973% | 4,632 |
| Pretax return on assets | 0.7581% | 4,261 |
| Return on Equity (ROE) | 3.0671% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.0671% | 3,880 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5219% | 1,563 |
| Assets per employee ($millions) | 5.1929% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 61.8608% | 3,557 |
| Net loans and leases to deposits | 74.4811% | 3,354 |
| Net loans and leases to core deposits | 82.5444% | 3,035 |
| Total domestic deposits to total assets | 83.0558% | 3,811 |
| Equity capital to assets | 16.2023% | 463 |
| Core capital (leverage) ratio | 16.3488% | 421 |
| Tier 1 risk-based capital ratio | 32.9788% | 378 |
| Total risk-based capital ratio | 34.2419% | 368 |
| Memoranda: | ||
| Average total assets | $98,135,500 | 4,388 |
| Average earning assets | $94,046,000 | 4,309 |
| Average equity | $15,911,000 | 3,674 |
| Average total loans | $62,316,500 | 4,233 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,637 |
| Cost of funding earning assets | 0.2837% | 4,228 |
| Net interest margin | 3.5995% | 3,066 |
| Noninterest income to average assets | 0.1750% | 5,350 |
| Noninterest expense to average assets | 2.8000% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5602% | 4,388 |
| Return on assets (ROA) | 0.5602% | 4,493 |
| Pretax return on assets | 0.8439% | 4,036 |
| Return on Equity (ROE) | 3.4682% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.4682% | 3,459 |
| Net charge-offs to loans | -0.0082% | 4,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8400% | 1,872 |
| Assets per employee ($millions) | 4.8803% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.8527% | 3,495 |
| Net loans and leases to deposits | 75.5908% | 3,363 |
| Net loans and leases to core deposits | 83.5940% | 3,062 |
| Total domestic deposits to total assets | 83.1486% | 3,720 |
| Equity capital to assets | 16.2244% | 471 |
| Core capital (leverage) ratio | 16.2965% | 428 |
| Tier 1 risk-based capital ratio | 33.2991% | 364 |
| Total risk-based capital ratio | 34.5613% | 362 |
| Memoranda: | ||
| Average total assets | $96,571,000 | 4,417 |
| Average earning assets | $93,068,400 | 4,319 |
| Average equity | $15,599,000 | 3,743 |
| Average total loans | $60,731,400 | 4,273 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 3,618 |
| Cost of funding earning assets | 0.2831% | 4,274 |
| Net interest margin | 3.6064% | 3,050 |
| Noninterest income to average assets | 0.1744% | 5,402 |
| Noninterest expense to average assets | 2.8808% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4970% | 4,709 |
| Return on assets (ROA) | 0.4970% | 4,800 |
| Pretax return on assets | 0.7683% | 4,416 |
| Return on Equity (ROE) | 3.0802% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.0802% | 4,069 |
| Net charge-offs to loans | -0.0111% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9454% | 1,565 |
| Assets per employee ($millions) | 4.8841% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 61.9418% | 3,642 |
| Net loans and leases to deposits | 74.6379% | 3,535 |
| Net loans and leases to core deposits | 82.2048% | 3,264 |
| Total domestic deposits to total assets | 82.9897% | 3,604 |
| Equity capital to assets | 16.1125% | 536 |
| Core capital (leverage) ratio | 16.1979% | 445 |
| Tier 1 risk-based capital ratio | 33.2102% | 377 |
| Total risk-based capital ratio | 34.4729% | 374 |
| Memoranda: | ||
| Average total assets | $96,312,250 | 4,459 |
| Average earning assets | $92,794,500 | 4,368 |
| Average equity | $15,539,750 | 3,781 |
| Average total loans | $60,296,000 | 4,316 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,721 |
| Cost of funding earning assets | 0.2813% | 4,333 |
| Net interest margin | 3.5829% | 3,165 |
| Noninterest income to average assets | 0.1648% | 5,497 |
| Noninterest expense to average assets | 2.9294% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4507% | 4,868 |
| Return on assets (ROA) | 0.4507% | 4,957 |
| Pretax return on assets | 0.6906% | 4,651 |
| Return on Equity (ROE) | 2.7919% | 5,302 |
| Retained earnings to average equity (ytd only) | 2.7919% | 4,119 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9222% | 1,389 |
| Assets per employee ($millions) | 5.1090% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 954 |
| Loan loss allowance to noncurrent loans | 9,333.3333% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,567 |
| Noncurrent loans to loans | 0.0200% | 5,393 |
| Net loans and leases to total assets | 60.7401% | 3,781 |
| Net loans and leases to deposits | 73.0665% | 3,697 |
| Net loans and leases to core deposits | 80.7707% | 3,388 |
| Total domestic deposits to total assets | 83.1299% | 3,601 |
| Equity capital to assets | 16.0604% | 534 |
| Core capital (leverage) ratio | 16.2438% | 435 |
| Tier 1 risk-based capital ratio | 33.7265% | 369 |
| Total risk-based capital ratio | 34.9905% | 364 |
| Memoranda: | ||
| Average total assets | $95,855,670 | 4,502 |
| Average earning assets | $92,439,670 | 4,413 |
| Average equity | $15,473,330 | 3,804 |
| Average total loans | $59,851,000 | 4,358 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 3,657 |
| Cost of funding earning assets | 0.2791% | 4,402 |
| Net interest margin | 3.6020% | 3,075 |
| Noninterest income to average assets | 0.1680% | 5,483 |
| Noninterest expense to average assets | 3.0447% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3906% | 5,023 |
| Return on assets (ROA) | 0.3906% | 5,099 |
| Pretax return on assets | 0.5921% | 4,838 |
| Return on Equity (ROE) | 2.4132% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.4132% | 4,289 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7182% | 1,183 |
| Assets per employee ($millions) | 4.7649% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 1,038 |
| Loan loss allowance to noncurrent loans | 8,615.3846% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,606 |
| Noncurrent loans to loans | 0.0216% | 5,416 |
| Net loans and leases to total assets | 62.0884% | 3,510 |
| Net loans and leases to deposits | 74.7621% | 3,343 |
| Net loans and leases to core deposits | 82.4230% | 3,096 |
| Total domestic deposits to total assets | 83.0479% | 3,872 |
| Equity capital to assets | 16.2259% | 507 |
| Core capital (leverage) ratio | 16.2440% | 443 |
| Tier 1 risk-based capital ratio | 33.8611% | 371 |
| Total risk-based capital ratio | 35.1248% | 363 |
| Memoranda: | ||
| Average total assets | $95,248,000 | 4,550 |
| Average earning assets | $91,726,000 | 4,463 |
| Average equity | $15,415,000 | 3,825 |
| Average total loans | $59,736,000 | 4,378 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7643% | 4,151 |
| Cost of funding earning assets | 0.2825% | 4,453 |
| Net interest margin | 3.4817% | 3,591 |
| Noninterest income to average assets | 0.3875% | 4,131 |
| Noninterest expense to average assets | 2.7669% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6161% | 4,193 |
| Return on assets (ROA) | 0.5964% | 4,393 |
| Pretax return on assets | 0.9244% | 3,753 |
| Return on Equity (ROE) | 3.7847% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.7847% | 3,343 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3475% | 2,525 |
| Assets per employee ($millions) | 4.5332% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 969 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 5,640 |
| Noncurrent loans to loans | 0.0237% | 5,419 |
| Net loans and leases to total assets | 60.9918% | 3,694 |
| Net loans and leases to deposits | 73.2943% | 3,576 |
| Net loans and leases to core deposits | 79.8875% | 3,361 |
| Total domestic deposits to total assets | 83.2150% | 3,763 |
| Equity capital to assets | 16.1421% | 503 |
| Core capital (leverage) ratio | 16.0148% | 465 |
| Tier 1 risk-based capital ratio | 33.8241% | 368 |
| Total risk-based capital ratio | 35.0875% | 363 |
| Memoranda: | ||
| Average total assets | $95,739,000 | 4,547 |
| Average earning assets | $91,678,200 | 4,470 |
| Average equity | $15,087,000 | 3,828 |
| Average total loans | $57,647,600 | 4,437 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,206 |
| Cost of funding earning assets | 0.2837% | 4,522 |
| Net interest margin | 3.4802% | 3,627 |
| Noninterest income to average assets | 0.4645% | 3,599 |
| Noninterest expense to average assets | 2.7855% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6355% | 4,211 |
| Return on assets (ROA) | 0.6355% | 4,322 |
| Pretax return on assets | 1.0055% | 3,593 |
| Return on Equity (ROE) | 4.0575% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.0575% | 3,571 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4776% | 2,644 |
| Assets per employee ($millions) | 4.6215% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 947 |
| Loan loss allowance to noncurrent loans | 7,466.6667% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 5,741 |
| Noncurrent loans to loans | 0.0265% | 5,527 |
| Net loans and leases to total assets | 57.2394% | 4,219 |
| Net loans and leases to deposits | 68.6454% | 4,130 |
| Net loans and leases to core deposits | 74.9750% | 3,911 |
| Total domestic deposits to total assets | 83.3842% | 3,661 |
| Equity capital to assets | 15.7040% | 614 |
| Core capital (leverage) ratio | 15.7773% | 521 |
| Tier 1 risk-based capital ratio | 34.0395% | 377 |
| Total risk-based capital ratio | 35.3044% | 374 |
| Memoranda: | ||
| Average total assets | $95,874,250 | 4,595 |
| Average earning assets | $91,638,750 | 4,524 |
| Average equity | $15,017,000 | 3,872 |
| Average total loans | $57,263,750 | 4,493 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,221 |
| Cost of funding earning assets | 0.2828% | 4,579 |
| Net interest margin | 3.4730% | 3,610 |
| Noninterest income to average assets | 0.6221% | 2,616 |
| Noninterest expense to average assets | 2.7922% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7206% | 3,788 |
| Return on assets (ROA) | 0.7206% | 3,905 |
| Pretax return on assets | 1.1479% | 2,979 |
| Return on Equity (ROE) | 4.6044% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.6044% | 3,105 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8666% | 3,186 |
| Assets per employee ($millions) | 4.5964% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 1,026 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,828 |
| Noncurrent loans to loans | 0.0282% | 5,644 |
| Net loans and leases to total assets | 57.6862% | 4,146 |
| Net loans and leases to deposits | 69.0754% | 4,031 |
| Net loans and leases to core deposits | 76.4418% | 3,720 |
| Total domestic deposits to total assets | 83.5119% | 3,755 |
| Equity capital to assets | 15.6738% | 573 |
| Core capital (leverage) ratio | 15.7700% | 502 |
| Tier 1 risk-based capital ratio | 33.8884% | 394 |
| Total risk-based capital ratio | 35.1523% | 395 |
| Memoranda: | ||
| Average total assets | $95,481,670 | 4,645 |
| Average earning assets | $91,217,670 | 4,576 |
| Average equity | $14,942,330 | 3,902 |
| Average total loans | $57,461,000 | 4,525 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 4,139 |
| Cost of funding earning assets | 0.2871% | 4,586 |
| Net interest margin | 3.4805% | 3,510 |
| Noninterest income to average assets | 0.1853% | 5,600 |
| Noninterest expense to average assets | 2.7211% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5013% | 4,676 |
| Return on assets (ROA) | 0.5013% | 4,797 |
| Pretax return on assets | 0.7835% | 4,299 |
| Return on Equity (ROE) | 3.2056% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.2056% | 4,067 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6442% | 2,239 |
| Assets per employee ($millions) | 4.5835% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 1,153 |
| Loan loss allowance to noncurrent loans | 6,588.2353% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 3,591 |
| Noncurrent loans to loans | 0.0298% | 5,680 |
| Net loans and leases to total assets | 58.1156% | 3,929 |
| Net loans and leases to deposits | 69.3650% | 3,813 |
| Net loans and leases to core deposits | 76.4337% | 3,546 |
| Total domestic deposits to total assets | 83.7823% | 3,899 |
| Equity capital to assets | 15.4883% | 627 |
| Core capital (leverage) ratio | 15.7249% | 500 |
| Tier 1 risk-based capital ratio | 33.0729% | 422 |
| Total risk-based capital ratio | 34.3379% | 418 |
| Memoranda: | ||
| Average total assets | $94,960,500 | 4,693 |
| Average earning assets | $90,560,500 | 4,629 |
| Average equity | $14,849,000 | 3,938 |
| Average total loans | $57,791,000 | 4,550 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,922 |
| Cost of funding earning assets | 0.3174% | 4,608 |
| Net interest margin | 3.6329% | 3,278 |
| Noninterest income to average assets | 0.1842% | 5,756 |
| Noninterest expense to average assets | 2.6803% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6146% | 4,301 |
| Return on assets (ROA) | 0.6146% | 4,401 |
| Pretax return on assets | 0.9492% | 3,691 |
| Return on Equity (ROE) | 4.0279% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.0279% | 3,341 |
| Net charge-offs to loans | 0.0085% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 180.4000% | 298 |
| Efficiency ratio | 73.8475% | 2,860 |
| Assets per employee ($millions) | 4.6834% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 1,288 |
| Loan loss allowance to noncurrent loans | 6,222.2222% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 3,599 |
| Noncurrent loans to loans | 0.0308% | 5,764 |
| Net loans and leases to total assets | 61.2845% | 3,600 |
| Net loans and leases to deposits | 73.3213% | 3,512 |
| Net loans and leases to core deposits | 80.3190% | 3,259 |
| Total domestic deposits to total assets | 83.5835% | 3,888 |
| Equity capital to assets | 15.7898% | 564 |
| Core capital (leverage) ratio | 15.7855% | 491 |
| Tier 1 risk-based capital ratio | 35.4972% | 327 |
| Total risk-based capital ratio | 36.7648% | 321 |
| Memoranda: | ||
| Average total assets | $95,025,200 | 4,724 |
| Average earning assets | $90,119,600 | 4,652 |
| Average equity | $14,499,000 | 3,936 |
| Average total loans | $58,856,200 | 4,525 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,941 |
| Cost of funding earning assets | 0.3245% | 4,622 |
| Net interest margin | 3.6326% | 3,299 |
| Noninterest income to average assets | 0.1762% | 5,863 |
| Noninterest expense to average assets | 2.6662% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6040% | 4,424 |
| Return on assets (ROA) | 0.6040% | 4,516 |
| Pretax return on assets | 0.9535% | 3,785 |
| Return on Equity (ROE) | 3.9927% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.9927% | 3,812 |
| Net charge-offs to loans | 0.0113% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 136.3283% | 445 |
| Efficiency ratio | 73.6578% | 2,875 |
| Assets per employee ($millions) | 4.9920% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 1,426 |
| Loan loss allowance to noncurrent loans | 5,894.7368% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 3,883 |
| Noncurrent loans to loans | 0.0324% | 5,906 |
| Net loans and leases to total assets | 60.5579% | 3,693 |
| Net loans and leases to deposits | 72.3619% | 3,650 |
| Net loans and leases to core deposits | 79.4165% | 3,384 |
| Total domestic deposits to total assets | 83.6876% | 3,884 |
| Equity capital to assets | 15.4321% | 644 |
| Core capital (leverage) ratio | 15.4268% | 555 |
| Tier 1 risk-based capital ratio | 34.7042% | 361 |
| Total risk-based capital ratio | 35.9708% | 356 |
| Memoranda: | ||
| Average total assets | $95,364,500 | 4,756 |
| Average earning assets | $90,402,500 | 4,696 |
| Average equity | $14,426,250 | 3,974 |
| Average total loans | $58,939,250 | 4,559 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,003 |
| Cost of funding earning assets | 0.3282% | 4,662 |
| Net interest margin | 3.6040% | 3,348 |
| Noninterest income to average assets | 0.1696% | 5,937 |
| Noninterest expense to average assets | 2.5938% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6322% | 4,195 |
| Return on assets (ROA) | 0.6322% | 4,296 |
| Pretax return on assets | 1.0007% | 3,477 |
| Return on Equity (ROE) | 4.2073% | 5,056 |
| Retained earnings to average equity (ytd only) | 4.2073% | 3,491 |
| Net charge-offs to loans | 0.0169% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 95.6000% | 572 |
| Efficiency ratio | 72.1607% | 3,302 |
| Assets per employee ($millions) | 5.0169% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 1,556 |
| Loan loss allowance to noncurrent loans | 5,090.9091% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 4,026 |
| Noncurrent loans to loans | 0.0376% | 5,943 |
| Net loans and leases to total assets | 60.2820% | 3,673 |
| Net loans and leases to deposits | 71.7719% | 3,602 |
| Net loans and leases to core deposits | 78.6935% | 3,352 |
| Total domestic deposits to total assets | 83.9911% | 3,916 |
| Equity capital to assets | 15.2189% | 655 |
| Core capital (leverage) ratio | 15.2137% | 569 |
| Tier 1 risk-based capital ratio | 34.6772% | 358 |
| Total risk-based capital ratio | 35.9445% | 351 |
| Memoranda: | ||
| Average total assets | $95,536,670 | 4,782 |
| Average earning assets | $90,788,670 | 4,709 |
| Average equity | $14,356,000 | 3,969 |
| Average total loans | $59,066,330 | 4,580 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,968 |
| Cost of funding earning assets | 0.3352% | 4,691 |
| Net interest margin | 3.5948% | 3,264 |
| Noninterest income to average assets | 0.1506% | 6,071 |
| Noninterest expense to average assets | 2.5804% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6190% | 4,104 |
| Return on assets (ROA) | 0.6190% | 4,184 |
| Pretax return on assets | 0.9786% | 3,410 |
| Return on Equity (ROE) | 4.1455% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.1455% | 3,644 |
| Net charge-offs to loans | 0.0337% | 2,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.8000% | 792 |
| Efficiency ratio | 72.5029% | 3,400 |
| Assets per employee ($millions) | 5.0678% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 1,742 |
| Loan loss allowance to noncurrent loans | 5,090.9091% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 4,197 |
| Noncurrent loans to loans | 0.0374% | 6,038 |
| Net loans and leases to total assets | 59.9404% | 3,568 |
| Net loans and leases to deposits | 71.0832% | 3,465 |
| Net loans and leases to core deposits | 77.8179% | 3,222 |
| Total domestic deposits to total assets | 84.3243% | 4,151 |
| Equity capital to assets | 14.9072% | 696 |
| Core capital (leverage) ratio | 14.9019% | 611 |
| Tier 1 risk-based capital ratio | 33.8612% | 388 |
| Total risk-based capital ratio | 35.1285% | 378 |
| Memoranda: | ||
| Average total assets | $95,644,000 | 4,826 |
| Average earning assets | $90,687,500 | 4,758 |
| Average equity | $14,280,500 | 3,992 |
| Average total loans | $59,308,500 | 4,615 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,766 |
| Cost of funding earning assets | 0.4695% | 3,920 |
| Net interest margin | 3.6242% | 3,360 |
| Noninterest income to average assets | 0.1668% | 6,087 |
| Noninterest expense to average assets | 2.4972% | 4,771 |
| Loan and lease loss provision to assets | 0.1101% | 2,966 |
| Net operating income to assets | 0.6429% | 4,062 |
| Return on assets (ROA) | 0.6429% | 4,168 |
| Pretax return on assets | 1.0006% | 3,341 |
| Return on Equity (ROE) | 4.4105% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.4105% | 3,039 |
| Net charge-offs to loans | 0.0812% | 4,077 |
| Credit loss provision to net charge-offs | 210.0000% | 1,096 |
| Earnings coverage of net charge-offs (x) | 21.1800% | 1,507 |
| Efficiency ratio | 69.2151% | 3,974 |
| Assets per employee ($millions) | 4.9999% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 1,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 4,321 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 61.7438% | 3,400 |
| Net loans and leases to deposits | 73.1490% | 3,378 |
| Net loans and leases to core deposits | 80.1629% | 3,114 |
| Total domestic deposits to total assets | 84.4083% | 4,013 |
| Equity capital to assets | 14.9549% | 677 |
| Core capital (leverage) ratio | 14.9504% | 609 |
| Tier 1 risk-based capital ratio | 33.0317% | 395 |
| Total risk-based capital ratio | 34.2993% | 388 |
| Memoranda: | ||
| Average total assets | $95,345,600 | 4,854 |
| Average earning assets | $90,530,200 | 4,758 |
| Average equity | $13,898,800 | 4,088 |
| Average total loans | $61,589,600 | 4,560 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,750 |
| Cost of funding earning assets | 0.4970% | 3,797 |
| Net interest margin | 3.6051% | 3,423 |
| Noninterest income to average assets | 0.1970% | 5,996 |
| Noninterest expense to average assets | 2.4422% | 4,899 |
| Loan and lease loss provision to assets | 0.1467% | 2,444 |
| Net operating income to assets | 0.6455% | 4,147 |
| Return on assets (ROA) | 0.6455% | 4,268 |
| Pretax return on assets | 1.0339% | 3,359 |
| Return on Equity (ROE) | 4.4566% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.4566% | 3,497 |
| Net charge-offs to loans | 0.1075% | 3,467 |
| Credit loss provision to net charge-offs | 210.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 16.8988% | 1,769 |
| Efficiency ratio | 67.4123% | 4,204 |
| Assets per employee ($millions) | 4.7470% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 2,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 3,752 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.9802% | 3,364 |
| Net loans and leases to deposits | 73.5219% | 3,311 |
| Net loans and leases to core deposits | 80.8652% | 3,024 |
| Total domestic deposits to total assets | 84.3017% | 4,063 |
| Equity capital to assets | 14.8062% | 750 |
| Core capital (leverage) ratio | 14.8003% | 674 |
| Tier 1 risk-based capital ratio | 32.9511% | 401 |
| Total risk-based capital ratio | 34.2174% | 392 |
| Memoranda: | ||
| Average total assets | $95,432,250 | 4,895 |
| Average earning assets | $90,683,500 | 4,787 |
| Average equity | $13,821,750 | 4,148 |
| Average total loans | $62,041,750 | 4,582 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 3,732 |
| Cost of funding earning assets | 0.5337% | 3,565 |
| Net interest margin | 3.5667% | 3,492 |
| Noninterest income to average assets | 0.2050% | 5,978 |
| Noninterest expense to average assets | 2.3850% | 5,095 |
| Loan and lease loss provision to assets | 0.1883% | 2,010 |
| Net operating income to assets | 0.6381% | 4,119 |
| Return on assets (ROA) | 0.6381% | 4,263 |
| Pretax return on assets | 1.0293% | 3,377 |
| Return on Equity (ROE) | 4.4385% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.4385% | 3,447 |
| Net charge-offs to loans | 0.1594% | 2,827 |
| Credit loss provision to net charge-offs | 180.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 11.6400% | 2,037 |
| Efficiency ratio | 66.2021% | 4,516 |
| Assets per employee ($millions) | 4.7338% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8101% | 2,405 |
| Loan loss allowance to noncurrent loans | 381.4433% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 3,853 |
| Noncurrent loans to loans | 0.4746% | 5,075 |
| Net loans and leases to total assets | 63.5976% | 2,985 |
| Net loans and leases to deposits | 75.9722% | 2,882 |
| Net loans and leases to core deposits | 84.8174% | 2,447 |
| Total domestic deposits to total assets | 83.7116% | 4,449 |
| Equity capital to assets | 14.6639% | 786 |
| Core capital (leverage) ratio | 14.6437% | 676 |
| Tier 1 risk-based capital ratio | 32.0261% | 438 |
| Total risk-based capital ratio | 33.2918% | 431 |
| Memoranda: | ||
| Average total assets | $95,596,330 | 4,922 |
| Average earning assets | $91,065,330 | 4,813 |
| Average equity | $13,743,330 | 4,202 |
| Average total loans | $62,732,670 | 4,579 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 3,739 |
| Cost of funding earning assets | 0.5317% | 3,759 |
| Net interest margin | 3.5649% | 3,410 |
| Noninterest income to average assets | 0.2165% | 5,927 |
| Noninterest expense to average assets | 2.2653% | 5,517 |
| Loan and lease loss provision to assets | 0.1874% | 1,963 |
| Net operating income to assets | 0.7037% | 3,667 |
| Return on assets (ROA) | 0.7037% | 3,810 |
| Pretax return on assets | 1.1701% | 2,684 |
| Return on Equity (ROE) | 4.9439% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.9439% | 3,271 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5287% | 5,232 |
| Assets per employee ($millions) | 5.6664% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,669 |
| Loan loss allowance to noncurrent loans | 179.7101% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 4,756 |
| Noncurrent loans to loans | 0.9935% | 4,141 |
| Net loans and leases to total assets | 63.7274% | 2,765 |
| Net loans and leases to deposits | 75.0043% | 2,771 |
| Net loans and leases to core deposits | 85.4011% | 2,168 |
| Total domestic deposits to total assets | 84.9651% | 4,059 |
| Equity capital to assets | 14.2802% | 944 |
| Core capital (leverage) ratio | 14.2669% | 723 |
| Tier 1 risk-based capital ratio | 31.4243% | 471 |
| Total risk-based capital ratio | 32.6909% | 463 |
| Memoranda: | ||
| Average total assets | $96,057,000 | 4,949 |
| Average earning assets | $91,784,000 | 4,849 |
| Average equity | $13,673,500 | 4,251 |
| Average total loans | $63,438,500 | 4,583 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 3,505 |
| Cost of funding earning assets | 0.6329% | 4,070 |
| Net interest margin | 3.8418% | 3,053 |
| Noninterest income to average assets | 0.0629% | 6,645 |
| Noninterest expense to average assets | 2.4775% | 5,169 |
| Loan and lease loss provision to assets | 0.2059% | 3,081 |
| Net operating income to assets | 0.6600% | 3,936 |
| Return on assets (ROA) | 0.6600% | 4,201 |
| Pretax return on assets | 1.0307% | 3,435 |
| Return on Equity (ROE) | 4.5840% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.5840% | 2,999 |
| Net charge-offs to loans | 0.2674% | 3,336 |
| Credit loss provision to net charge-offs | 106.1453% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.3743% | 2,821 |
| Efficiency ratio | 66.7056% | 4,377 |
| Assets per employee ($millions) | 5.3214% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 3,074 |
| Loan loss allowance to noncurrent loans | 157.9646% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 4,439 |
| Noncurrent loans to loans | 1.0532% | 4,102 |
| Net loans and leases to total assets | 66.0876% | 2,512 |
| Net loans and leases to deposits | 77.6083% | 2,585 |
| Net loans and leases to core deposits | 88.4069% | 2,038 |
| Total domestic deposits to total assets | 85.1553% | 3,793 |
| Equity capital to assets | 14.1891% | 976 |
| Core capital (leverage) ratio | 14.1785% | 752 |
| Tier 1 risk-based capital ratio | 30.4181% | 499 |
| Total risk-based capital ratio | 31.6813% | 490 |
| Memoranda: | ||
| Average total assets | $92,271,600 | 5,018 |
| Average earning assets | $87,692,200 | 4,924 |
| Average equity | $13,285,400 | 4,301 |
| Average total loans | $66,949,800 | 4,463 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 3,471 |
| Cost of funding earning assets | 0.6549% | 4,153 |
| Net interest margin | 3.8835% | 2,974 |
| Noninterest income to average assets | 0.0175% | 6,893 |
| Noninterest expense to average assets | 2.5034% | 5,068 |
| Loan and lease loss provision to assets | 0.2334% | 2,709 |
| Net operating income to assets | 0.6346% | 4,215 |
| Return on assets (ROA) | 0.6346% | 4,467 |
| Pretax return on assets | 0.9658% | 3,845 |
| Return on Equity (ROE) | 4.3909% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.3909% | 3,798 |
| Net charge-offs to loans | 0.3531% | 2,691 |
| Credit loss provision to net charge-offs | 89.3855% | 3,315 |
| Earnings coverage of net charge-offs (x) | 4.5922% | 3,261 |
| Efficiency ratio | 67.6123% | 4,150 |
| Assets per employee ($millions) | 4.9070% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,539 |
| Loan loss allowance to noncurrent loans | 161.1455% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 4,629 |
| Noncurrent loans to loans | 0.9894% | 4,464 |
| Net loans and leases to total assets | 68.9112% | 2,131 |
| Net loans and leases to deposits | 81.3863% | 2,199 |
| Net loans and leases to core deposits | 91.3847% | 1,838 |
| Total domestic deposits to total assets | 84.6717% | 3,904 |
| Equity capital to assets | 14.3994% | 1,003 |
| Core capital (leverage) ratio | 14.4003% | 732 |
| Tier 1 risk-based capital ratio | 29.2213% | 569 |
| Total risk-based capital ratio | 30.4814% | 563 |
| Memoranda: | ||
| Average total assets | $91,393,250 | 5,090 |
| Average earning assets | $86,723,250 | 4,993 |
| Average equity | $13,209,000 | 4,358 |
| Average total loans | $67,594,000 | 4,482 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 3,245 |
| Cost of funding earning assets | 0.6839% | 4,152 |
| Net interest margin | 3.9428% | 2,739 |
| Noninterest income to average assets | -0.0771% | 7,075 |
| Noninterest expense to average assets | 2.5204% | 5,076 |
| Loan and lease loss provision to assets | 0.1652% | 3,452 |
| Net operating income to assets | 0.6389% | 4,174 |
| Return on assets (ROA) | 0.6389% | 4,424 |
| Pretax return on assets | 0.9716% | 3,814 |
| Return on Equity (ROE) | 4.4150% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.4150% | 3,668 |
| Net charge-offs to loans | 0.5208% | 2,027 |
| Credit loss provision to net charge-offs | 42.1348% | 4,214 |
| Earnings coverage of net charge-offs (x) | 2.8989% | 3,583 |
| Efficiency ratio | 68.9157% | 3,959 |
| Assets per employee ($millions) | 4.8284% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 4,349 |
| Loan loss allowance to noncurrent loans | 146.4012% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 4,072 |
| Noncurrent loans to loans | 0.9759% | 4,566 |
| Net loans and leases to total assets | 71.8996% | 1,574 |
| Net loans and leases to deposits | 84.8775% | 1,735 |
| Net loans and leases to core deposits | 92.8635% | 1,699 |
| Total domestic deposits to total assets | 84.7099% | 3,998 |
| Equity capital to assets | 14.4748% | 924 |
| Core capital (leverage) ratio | 14.4766% | 702 |
| Tier 1 risk-based capital ratio | 29.0086% | 571 |
| Total risk-based capital ratio | 30.2689% | 555 |
| Memoranda: | ||
| Average total assets | $90,780,000 | 5,144 |
| Average earning assets | $85,978,670 | 5,047 |
| Average equity | $13,137,000 | 4,370 |
| Average total loans | $68,362,330 | 4,476 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 3,140 |
| Cost of funding earning assets | 0.7431% | 3,915 |
| Net interest margin | 3.9352% | 2,784 |
| Noninterest income to average assets | 0.1550% | 6,471 |
| Noninterest expense to average assets | 2.5116% | 5,114 |
| Loan and lease loss provision to assets | 0.3322% | 1,883 |
| Net operating income to assets | 0.6822% | 3,970 |
| Return on assets (ROA) | 0.6822% | 4,185 |
| Pretax return on assets | 1.0410% | 3,528 |
| Return on Equity (ROE) | 4.7145% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.7145% | 3,739 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6522% | 4,808 |
| Assets per employee ($millions) | 5.0698% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 3,524 |
| Loan loss allowance to noncurrent loans | 128.2805% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5330% | 3,562 |
| Noncurrent loans to loans | 1.2896% | 4,185 |
| Net loans and leases to total assets | 73.8746% | 1,089 |
| Net loans and leases to deposits | 86.9164% | 1,304 |
| Net loans and leases to core deposits | 95.9057% | 1,306 |
| Total domestic deposits to total assets | 84.9950% | 4,039 |
| Equity capital to assets | 14.4023% | 889 |
| Core capital (leverage) ratio | 14.4045% | 709 |
| Tier 1 risk-based capital ratio | 28.4912% | 604 |
| Total risk-based capital ratio | 29.7570% | 595 |
| Memoranda: | ||
| Average total assets | $90,300,500 | 5,197 |
| Average earning assets | $85,587,000 | 5,098 |
| Average equity | $13,066,000 | 4,397 |
| Average total loans | $69,085,500 | 4,476 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9188% | 3,268 |
| Cost of funding earning assets | 1.0764% | 2,832 |
| Net interest margin | 3.8424% | 3,614 |
| Noninterest income to average assets | 0.1656% | 6,306 |
| Noninterest expense to average assets | 2.4357% | 5,680 |
| Loan and lease loss provision to assets | 0.4360% | 2,414 |
| Net operating income to assets | 0.6129% | 3,929 |
| Return on assets (ROA) | 0.6129% | 4,119 |
| Pretax return on assets | 0.9373% | 3,481 |
| Return on Equity (ROE) | 4.2722% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.2722% | 3,145 |
| Net charge-offs to loans | 0.5923% | 2,675 |
| Credit loss provision to net charge-offs | 91.7062% | 3,937 |
| Earnings coverage of net charge-offs (x) | 2.8886% | 3,761 |
| Efficiency ratio | 63.9456% | 5,139 |
| Assets per employee ($millions) | 4.9636% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 3,923 |
| Loan loss allowance to noncurrent loans | 119.9095% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5658% | 3,599 |
| Noncurrent loans to loans | 1.2697% | 4,249 |
| Net loans and leases to total assets | 76.7385% | 858 |
| Net loans and leases to deposits | 90.4500% | 1,103 |
| Net loans and leases to core deposits | 99.2904% | 1,235 |
| Total domestic deposits to total assets | 84.8408% | 3,930 |
| Equity capital to assets | 14.5380% | 883 |
| Core capital (leverage) ratio | 14.5323% | 705 |
| Tier 1 risk-based capital ratio | 29.7135% | 529 |
| Total risk-based capital ratio | 30.9791% | 519 |
| Memoranda: | ||
| Average total assets | $88,763,400 | 5,212 |
| Average earning assets | $84,167,200 | 5,115 |
| Average equity | $12,733,400 | 4,385 |
| Average total loans | $71,242,200 | 4,441 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 3,295 |
| Cost of funding earning assets | 1.1464% | 2,653 |
| Net interest margin | 3.8118% | 3,814 |
| Noninterest income to average assets | 0.1745% | 6,340 |
| Noninterest expense to average assets | 2.4524% | 5,623 |
| Loan and lease loss provision to assets | 0.3566% | 2,732 |
| Net operating income to assets | 0.6394% | 3,924 |
| Return on assets (ROA) | 0.6394% | 4,107 |
| Pretax return on assets | 0.9825% | 3,466 |
| Return on Equity (ROE) | 4.4726% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.4726% | 3,538 |
| Net charge-offs to loans | 0.1787% | 4,376 |
| Credit loss provision to net charge-offs | 246.8750% | 1,164 |
| Earnings coverage of net charge-offs (x) | 9.2706% | 2,072 |
| Efficiency ratio | 64.6825% | 4,956 |
| Assets per employee ($millions) | 4.9757% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 3,129 |
| Loan loss allowance to noncurrent loans | 1,358.2418% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 5,642 |
| Noncurrent loans to loans | 0.1284% | 6,616 |
| Net loans and leases to total assets | 77.7260% | 739 |
| Net loans and leases to deposits | 91.6009% | 1,046 |
| Net loans and leases to core deposits | 101.4722% | 1,119 |
| Total domestic deposits to total assets | 84.8530% | 3,845 |
| Equity capital to assets | 14.3777% | 1,029 |
| Core capital (leverage) ratio | 14.3682% | 803 |
| Tier 1 risk-based capital ratio | 29.4258% | 577 |
| Total risk-based capital ratio | 30.6950% | 560 |
| Memoranda: | ||
| Average total assets | $88,618,000 | 5,255 |
| Average earning assets | $84,087,250 | 5,156 |
| Average equity | $12,669,500 | 4,411 |
| Average total loans | $71,647,250 | 4,471 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0050% | 3,131 |
| Cost of funding earning assets | 1.2023% | 2,569 |
| Net interest margin | 3.8028% | 3,770 |
| Noninterest income to average assets | 0.1721% | 6,432 |
| Noninterest expense to average assets | 2.4348% | 5,743 |
| Loan and lease loss provision to assets | 0.3216% | 2,857 |
| Net operating income to assets | 0.6614% | 3,733 |
| Return on assets (ROA) | 0.6614% | 3,859 |
| Pretax return on assets | 1.0192% | 3,170 |
| Return on Equity (ROE) | 4.6348% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.6348% | 3,233 |
| Net charge-offs to loans | 0.2670% | 3,550 |
| Credit loss provision to net charge-offs | 147.9167% | 2,066 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,451 |
| Efficiency ratio | 64.4871% | 5,148 |
| Assets per employee ($millions) | 5.2546% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 3,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 5,945 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 77.5202% | 846 |
| Net loans and leases to deposits | 91.1614% | 1,139 |
| Net loans and leases to core deposits | 101.2738% | 1,232 |
| Total domestic deposits to total assets | 85.0362% | 3,859 |
| Equity capital to assets | 14.2675% | 1,006 |
| Core capital (leverage) ratio | 14.2569% | 813 |
| Tier 1 risk-based capital ratio | 29.3349% | 570 |
| Total risk-based capital ratio | 30.6019% | 557 |
| Memoranda: | ||
| Average total assets | $88,303,330 | 5,301 |
| Average earning assets | $83,675,670 | 5,206 |
| Average equity | $12,600,330 | 4,417 |
| Average total loans | $71,913,330 | 4,505 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 2,870 |
| Cost of funding earning assets | 1.2189% | 2,691 |
| Net interest margin | 3.8296% | 3,468 |
| Noninterest income to average assets | 0.1640% | 6,556 |
| Noninterest expense to average assets | 2.4148% | 5,839 |
| Loan and lease loss provision to assets | 0.3144% | 2,656 |
| Net operating income to assets | 0.6926% | 3,542 |
| Return on assets (ROA) | 0.6926% | 3,613 |
| Pretax return on assets | 1.0707% | 2,870 |
| Return on Equity (ROE) | 4.8531% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.8531% | 3,279 |
| Net charge-offs to loans | 0.0055% | 5,051 |
| Credit loss provision to net charge-offs | 6,900.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 97 |
| Efficiency ratio | 63.5492% | 5,437 |
| Assets per employee ($millions) | 5.2209% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6144% | 3,673 |
| Loan loss allowance to noncurrent loans | 340.0585% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 5,153 |
| Noncurrent loans to loans | 0.4747% | 6,071 |
| Net loans and leases to total assets | 79.8571% | 523 |
| Net loans and leases to deposits | 93.8496% | 847 |
| Net loans and leases to core deposits | 102.9261% | 1,136 |
| Total domestic deposits to total assets | 85.0906% | 3,991 |
| Equity capital to assets | 14.2007% | 949 |
| Core capital (leverage) ratio | 14.1901% | 809 |
| Tier 1 risk-based capital ratio | 28.5497% | 601 |
| Total risk-based capital ratio | 29.8170% | 587 |
| Memoranda: | ||
| Average total assets | $87,790,500 | 5,364 |
| Average earning assets | $83,351,500 | 5,258 |
| Average equity | $12,528,000 | 4,439 |
| Average total loans | $72,675,500 | 4,529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2741% | 3,242 |
| Cost of funding earning assets | 1.4421% | 3,007 |
| Net interest margin | 3.8320% | 3,810 |
| Noninterest income to average assets | 0.1667% | 6,538 |
| Noninterest expense to average assets | 2.4986% | 5,805 |
| Loan and lease loss provision to assets | 0.3449% | 4,071 |
| Net operating income to assets | 0.7116% | 3,189 |
| Return on assets (ROA) | 0.3162% | 5,047 |
| Pretax return on assets | 0.4358% | 4,834 |
| Return on Equity (ROE) | 2.2645% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.2645% | 4,298 |
| Net charge-offs to loans | 0.1333% | 5,576 |
| Credit loss provision to net charge-offs | 309.2784% | 857 |
| Earnings coverage of net charge-offs (x) | 11.8557% | 1,563 |
| Efficiency ratio | 65.3927% | 5,087 |
| Assets per employee ($millions) | 5.1074% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 4,055 |
| Loan loss allowance to noncurrent loans | 323.6686% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 5,232 |
| Noncurrent loans to loans | 0.4611% | 6,125 |
| Net loans and leases to total assets | 83.1742% | 369 |
| Net loans and leases to deposits | 97.8908% | 727 |
| Net loans and leases to core deposits | 106.7952% | 1,140 |
| Total domestic deposits to total assets | 84.9663% | 3,863 |
| Equity capital to assets | 14.3415% | 944 |
| Core capital (leverage) ratio | 14.3356% | 782 |
| Tier 1 risk-based capital ratio | 27.7138% | 635 |
| Total risk-based capital ratio | 28.9786% | 618 |
| Memoranda: | ||
| Average total assets | $86,969,200 | 5,380 |
| Average earning assets | $82,933,000 | 5,251 |
| Average equity | $12,144,000 | 4,571 |
| Average total loans | $72,757,000 | 4,578 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2747% | 3,474 |
| Cost of funding earning assets | 1.4811% | 3,079 |
| Net interest margin | 3.7936% | 3,990 |
| Noninterest income to average assets | 0.1716% | 6,650 |
| Noninterest expense to average assets | 2.5622% | 5,459 |
| Loan and lease loss provision to assets | 0.3525% | 3,794 |
| Net operating income to assets | 0.7407% | 3,237 |
| Return on assets (ROA) | 0.1272% | 5,864 |
| Pretax return on assets | 0.1502% | 5,833 |
| Return on Equity (ROE) | 0.9170% | 5,912 |
| Retained earnings to average equity (ytd only) | 0.9170% | 5,436 |
| Net charge-offs to loans | 0.0477% | 6,044 |
| Credit loss provision to net charge-offs | 884.6154% | 344 |
| Earnings coverage of net charge-offs (x) | 30.7271% | 868 |
| Efficiency ratio | 67.6649% | 4,531 |
| Assets per employee ($millions) | 4.9335% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 4,011 |
| Loan loss allowance to noncurrent loans | 266.1800% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 5,180 |
| Noncurrent loans to loans | 0.5598% | 6,083 |
| Net loans and leases to total assets | 81.4387% | 566 |
| Net loans and leases to deposits | 95.4631% | 1,049 |
| Net loans and leases to core deposits | 107.0012% | 1,241 |
| Total domestic deposits to total assets | 85.3091% | 3,459 |
| Equity capital to assets | 13.8148% | 1,235 |
| Core capital (leverage) ratio | 13.8081% | 965 |
| Tier 1 risk-based capital ratio | 26.9739% | 698 |
| Total risk-based capital ratio | 28.2389% | 680 |
| Memoranda: | ||
| Average total assets | $87,005,250 | 5,444 |
| Average earning assets | $82,909,250 | 5,309 |
| Average equity | $12,067,000 | 4,657 |
| Average total loans | $72,618,750 | 4,650 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 3,476 |
| Cost of funding earning assets | 1.4956% | 3,276 |
| Net interest margin | 3.8032% | 3,878 |
| Noninterest income to average assets | 0.1829% | 6,600 |
| Noninterest expense to average assets | 2.5438% | 5,548 |
| Loan and lease loss provision to assets | 0.3935% | 3,353 |
| Net operating income to assets | 0.6005% | 3,875 |
| Return on assets (ROA) | -0.0972% | 6,299 |
| Pretax return on assets | -0.2129% | 6,351 |
| Return on Equity (ROE) | -0.7000% | 6,285 |
| Retained earnings to average equity (ytd only) | -0.7000% | 5,903 |
| Net charge-offs to loans | 0.0719% | 5,424 |
| Credit loss provision to net charge-offs | 653.8462% | 568 |
| Earnings coverage of net charge-offs (x) | 21.1154% | 1,182 |
| Efficiency ratio | 66.6869% | 4,845 |
| Assets per employee ($millions) | 4.6322% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 4,619 |
| Loan loss allowance to noncurrent loans | 116.6863% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 5,201 |
| Noncurrent loans to loans | 1.1672% | 5,005 |
| Net loans and leases to total assets | 81.7104% | 571 |
| Net loans and leases to deposits | 95.5884% | 1,084 |
| Net loans and leases to core deposits | 107.6185% | 1,332 |
| Total domestic deposits to total assets | 85.4815% | 3,378 |
| Equity capital to assets | 13.7856% | 1,248 |
| Core capital (leverage) ratio | 13.7817% | 980 |
| Tier 1 risk-based capital ratio | 26.8145% | 712 |
| Total risk-based capital ratio | 28.0768% | 700 |
| Memoranda: | ||
| Average total assets | $86,406,000 | 5,497 |
| Average earning assets | $82,510,330 | 5,354 |
| Average equity | $12,000,000 | 4,678 |
| Average total loans | $72,353,670 | 4,701 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 3,585 |
| Cost of funding earning assets | 1.5156% | 3,453 |
| Net interest margin | 3.7767% | 3,887 |
| Noninterest income to average assets | 0.1776% | 6,690 |
| Noninterest expense to average assets | 2.5233% | 5,642 |
| Loan and lease loss provision to assets | 0.3738% | 3,128 |
| Net operating income to assets | 0.5794% | 3,989 |
| Return on assets (ROA) | 0.5794% | 4,131 |
| Pretax return on assets | 0.8785% | 3,544 |
| Return on Equity (ROE) | 4.1564% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.1564% | 3,653 |
| Net charge-offs to loans | 0.0166% | 5,347 |
| Credit loss provision to net charge-offs | 2,666.6667% | 192 |
| Earnings coverage of net charge-offs (x) | 89.3333% | 363 |
| Efficiency ratio | 66.8317% | 4,950 |
| Assets per employee ($millions) | 4.8272% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 5,043 |
| Loan loss allowance to noncurrent loans | 96.1578% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 4,935 |
| Noncurrent loans to loans | 1.3316% | 4,757 |
| Net loans and leases to total assets | 82.1671% | 577 |
| Net loans and leases to deposits | 96.0992% | 1,090 |
| Net loans and leases to core deposits | 108.9900% | 1,355 |
| Total domestic deposits to total assets | 85.5024% | 3,414 |
| Equity capital to assets | 13.8060% | 1,206 |
| Core capital (leverage) ratio | 13.8060% | 1,005 |
| Tier 1 risk-based capital ratio | 26.0471% | 768 |
| Total risk-based capital ratio | 27.3066% | 755 |
| Memoranda: | ||
| Average total assets | $85,603,000 | 5,581 |
| Average earning assets | $81,553,000 | 5,451 |
| Average equity | $11,933,500 | 4,732 |
| Average total loans | $72,076,500 | 4,781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 3,020 |
| Cost of funding earning assets | 1.7691% | 4,154 |
| Net interest margin | 3.9478% | 3,089 |
| Noninterest income to average assets | 0.2465% | 6,337 |
| Noninterest expense to average assets | 2.5455% | 5,969 |
| Loan and lease loss provision to assets | 1.3569% | 1,701 |
| Net operating income to assets | 0.1074% | 5,195 |
| Return on assets (ROA) | 0.1074% | 5,239 |
| Pretax return on assets | 0.1184% | 5,181 |
| Return on Equity (ROE) | 0.7412% | 5,313 |
| Retained earnings to average equity (ytd only) | 0.7412% | 4,489 |
| Net charge-offs to loans | 0.7333% | 2,993 |
| Credit loss provision to net charge-offs | 221.5139% | 1,703 |
| Earnings coverage of net charge-offs (x) | 2.4084% | 3,926 |
| Efficiency ratio | 63.3080% | 5,910 |
| Assets per employee ($millions) | 4.6842% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,462 |
| Loan loss allowance to noncurrent loans | 93.3993% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 4,938 |
| Noncurrent loans to loans | 1.2655% | 4,820 |
| Net loans and leases to total assets | 84.1869% | 408 |
| Net loans and leases to deposits | 98.6450% | 1,040 |
| Net loans and leases to core deposits | 134.3027% | 1,036 |
| Total domestic deposits to total assets | 85.3432% | 3,388 |
| Equity capital to assets | 14.0792% | 1,145 |
| Core capital (leverage) ratio | 14.0792% | 965 |
| Tier 1 risk-based capital ratio | 26.6118% | 720 |
| Total risk-based capital ratio | 27.8627% | 709 |
| Memoranda: | ||
| Average total assets | $81,949,000 | 5,668 |
| Average earning assets | $78,347,000 | 5,518 |
| Average equity | $11,872,000 | 4,779 |
| Average total loans | $68,461,000 | 4,926 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 3,018 |
| Cost of funding earning assets | 1.7946% | 4,406 |
| Net interest margin | 3.9763% | 2,913 |
| Noninterest income to average assets | 0.1999% | 6,784 |
| Noninterest expense to average assets | 2.5844% | 5,766 |
| Loan and lease loss provision to assets | 1.3963% | 1,377 |
| Net operating income to assets | -0.1983% | 6,060 |
| Return on assets (ROA) | -0.1983% | 6,071 |
| Pretax return on assets | 0.0246% | 5,661 |
| Return on Equity (ROE) | -1.3589% | 5,994 |
| Retained earnings to average equity (ytd only) | -1.3589% | 5,573 |
| Net charge-offs to loans | 0.9899% | 1,990 |
| Credit loss provision to net charge-offs | 169.7211% | 2,748 |
| Earnings coverage of net charge-offs (x) | 1.7271% | 4,501 |
| Efficiency ratio | 64.5254% | 5,657 |
| Assets per employee ($millions) | 4.4271% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 6,993 |
| Loan loss allowance to noncurrent loans | 127.2138% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 6,084 |
| Noncurrent loans to loans | 0.6599% | 5,982 |
| Net loans and leases to total assets | 82.7139% | 710 |
| Net loans and leases to deposits | 98.2809% | 1,293 |
| Net loans and leases to core deposits | 132.1067% | 1,326 |
| Total domestic deposits to total assets | 84.1608% | 3,649 |
| Equity capital to assets | 13.8645% | 1,353 |
| Core capital (leverage) ratio | 13.8645% | 1,127 |
| Tier 1 risk-based capital ratio | 25.9509% | 821 |
| Total risk-based capital ratio | 27.2016% | 808 |
| Memoranda: | ||
| Average total assets | $81,357,250 | 5,721 |
| Average earning assets | $77,859,750 | 5,561 |
| Average equity | $11,872,250 | 4,828 |
| Average total loans | $67,618,250 | 4,999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9084% | 2,547 |
| Cost of funding earning assets | 1.8194% | 4,667 |
| Net interest margin | 4.0890% | 2,359 |
| Noninterest income to average assets | 0.1989% | 6,867 |
| Noninterest expense to average assets | 2.5858% | 5,795 |
| Loan and lease loss provision to assets | 0.1616% | 5,448 |
| Net operating income to assets | 0.8578% | 2,622 |
| Return on assets (ROA) | 0.8578% | 2,724 |
| Pretax return on assets | 1.3576% | 1,841 |
| Return on Equity (ROE) | 5.7778% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.7778% | 2,127 |
| Net charge-offs to loans | 0.0060% | 6,517 |
| Credit loss provision to net charge-offs | 3,250.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 305.5000% | 126 |
| Efficiency ratio | 62.9921% | 6,085 |
| Assets per employee ($millions) | 4.5947% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4339% | 7,868 |
| Loan loss allowance to noncurrent loans | 862.8571% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 7,497 |
| Noncurrent loans to loans | 0.0503% | 7,414 |
| Net loans and leases to total assets | 83.7831% | 668 |
| Net loans and leases to deposits | 100.4756% | 1,240 |
| Net loans and leases to core deposits | 133.0083% | 1,372 |
| Total domestic deposits to total assets | 83.3865% | 4,074 |
| Equity capital to assets | 14.6269% | 1,132 |
| Core capital (leverage) ratio | 14.6269% | 996 |
| Tier 1 risk-based capital ratio | 26.8560% | 789 |
| Total risk-based capital ratio | 27.5264% | 808 |
| Memoranda: | ||
| Average total assets | $80,438,330 | 5,781 |
| Average earning assets | $76,840,000 | 5,639 |
| Average equity | $11,942,330 | 4,826 |
| Average total loans | $66,770,000 | 5,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9330% | 2,633 |
| Cost of funding earning assets | 1.8808% | 4,736 |
| Net interest margin | 4.0522% | 2,446 |
| Noninterest income to average assets | 0.1917% | 6,928 |
| Noninterest expense to average assets | 2.5118% | 5,795 |
| Loan and lease loss provision to assets | 0.0757% | 6,012 |
| Net operating income to assets | 0.9684% | 2,450 |
| Return on assets (ROA) | 0.9684% | 2,577 |
| Pretax return on assets | 1.4728% | 1,745 |
| Return on Equity (ROE) | 6.4728% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.4728% | 2,430 |
| Net charge-offs to loans | 0.0122% | 5,439 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 153.5000% | 287 |
| Efficiency ratio | 61.8634% | 6,077 |
| Assets per employee ($millions) | 4.4574% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3814% | 7,971 |
| Loan loss allowance to noncurrent loans | 221.0526% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 7,149 |
| Noncurrent loans to loans | 0.1725% | 7,029 |
| Net loans and leases to total assets | 82.0448% | 1,011 |
| Net loans and leases to deposits | 98.6586% | 1,577 |
| Net loans and leases to core deposits | 129.6956% | 1,679 |
| Total domestic deposits to total assets | 83.1603% | 4,064 |
| Equity capital to assets | 14.8804% | 1,135 |
| Core capital (leverage) ratio | 14.8804% | 995 |
| Tier 1 risk-based capital ratio | 28.1919% | 740 |
| Total risk-based capital ratio | 28.7870% | 764 |
| Memoranda: | ||
| Average total assets | $79,305,500 | 5,850 |
| Average earning assets | $75,711,500 | 5,707 |
| Average equity | $11,865,000 | 4,875 |
| Average total loans | $65,358,000 | 5,158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0295% | 5,413 |
| Cost of funding earning assets | 2.4213% | 4,625 |
| Net interest margin | 3.6082% | 4,844 |
| Noninterest income to average assets | 0.1826% | 7,141 |
| Noninterest expense to average assets | 2.7007% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5804% | 4,392 |
| Return on assets (ROA) | 0.5812% | 4,253 |
| Pretax return on assets | 0.9358% | 3,598 |
| Return on Equity (ROE) | 3.7199% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.7199% | 2,819 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2941% | 3,522 |
| Assets per employee ($millions) | 4.3543% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3698% | 8,022 |
| Loan loss allowance to noncurrent loans | 7,966.6667% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 7,201 |
| Noncurrent loans to loans | 0.0046% | 7,544 |
| Net loans and leases to total assets | 82.1634% | 1,199 |
| Net loans and leases to deposits | 98.8306% | 2,008 |
| Net loans and leases to core deposits | 129.9709% | 1,856 |
| Total domestic deposits to total assets | 83.1356% | 3,710 |
| Equity capital to assets | 15.0438% | 1,151 |
| Core capital (leverage) ratio | 15.0438% | 1,019 |
| Tier 1 risk-based capital ratio | 28.5939% | 730 |
| Total risk-based capital ratio | 29.1735% | 748 |
| Memoranda: | ||
| Average total assets | $75,016,200 | 5,871 |
| Average earning assets | $71,780,200 | 5,747 |
| Average equity | $11,720,600 | 4,910 |
| Average total loans | $62,337,200 | 5,163 |