Home > RG Bank, A Savings and Loan Association > Performance and Condition Ratios
RG Bank, A 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 | 4.5665% | 2,979 |
| Cost of funding earning assets | 0.6946% | 3,937 |
| Net interest margin | 3.8719% | 1,437 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 3.4204% | 640 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4280% | 3,811 |
| Return on assets (ROA) | 0.4256% | 3,813 |
| Pretax return on assets | 0.5001% | 3,808 |
| Return on Equity (ROE) | 4.8800% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.8793% | 2,643 |
| Net charge-offs to loans | 0.0029% | 2,677 |
| Credit loss provision to net charge-offs | 1,766.6667% | 256 |
| Earnings coverage of net charge-offs (x) | 249.3333% | 498 |
| Efficiency ratio | 86.3354% | 544 |
| Assets per employee ($millions) | 5.0921% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 1,889 |
| Loan loss allowance to noncurrent loans | 139.2136% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 766 |
| Noncurrent loans to loans | 0.9180% | 815 |
| Net loans and leases to total assets | 73.6100% | 1,412 |
| Net loans and leases to deposits | 81.1261% | 2,019 |
| Net loans and leases to core deposits | 91.4877% | 1,950 |
| Total domestic deposits to total assets | 90.7300% | 574 |
| Equity capital to assets | 9.1543% | 2,573 |
| Core capital (leverage) ratio | 10.9149% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $138,169,400 | 3,479 |
| Average earning assets | $128,566,600 | 3,456 |
| Average equity | $12,050,800 | 3,519 |
| Average total loans | $102,194,200 | 3,156 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 2,850 |
| Cost of funding earning assets | 0.5720% | 4,023 |
| Net interest margin | 3.9553% | 1,286 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 3.3453% | 676 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5662% | 3,632 |
| Return on assets (ROA) | 0.5629% | 3,625 |
| Pretax return on assets | 0.6467% | 3,651 |
| Return on Equity (ROE) | 6.5300% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.5339% | 2,447 |
| Net charge-offs to loans | 0.0039% | 2,353 |
| Credit loss provision to net charge-offs | 1,466.6667% | 311 |
| Earnings coverage of net charge-offs (x) | 239.6667% | 530 |
| Efficiency ratio | 82.8401% | 679 |
| Assets per employee ($millions) | 5.2025% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 1,952 |
| Loan loss allowance to noncurrent loans | 139.5923% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 830 |
| Noncurrent loans to loans | 0.9183% | 895 |
| Net loans and leases to total assets | 74.0700% | 1,332 |
| Net loans and leases to deposits | 81.3082% | 1,954 |
| Net loans and leases to core deposits | 89.9850% | 1,929 |
| Total domestic deposits to total assets | 91.1000% | 647 |
| Equity capital to assets | 8.7318% | 2,582 |
| Core capital (leverage) ratio | 11.0006% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $138,340,000 | 3,482 |
| Average earning assets | $128,905,250 | 3,463 |
| Average equity | $11,917,000 | 3,529 |
| Average total loans | $102,115,250 | 3,154 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 2,673 |
| Cost of funding earning assets | 0.4812% | 4,018 |
| Net interest margin | 4.0062% | 1,230 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 3.3495% | 649 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5876% | 3,612 |
| Return on assets (ROA) | 0.5826% | 3,630 |
| Pretax return on assets | 0.6774% | 3,653 |
| Return on Equity (ROE) | 6.7900% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.7937% | 2,357 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.0387% | 709 |
| Assets per employee ($millions) | 5.0746% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 1,990 |
| Loan loss allowance to noncurrent loans | 293.6508% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 1,631 |
| Noncurrent loans to loans | 0.4377% | 1,627 |
| Net loans and leases to total assets | 72.5900% | 1,460 |
| Net loans and leases to deposits | 79.7671% | 2,003 |
| Net loans and leases to core deposits | 87.7126% | 1,946 |
| Total domestic deposits to total assets | 91.0000% | 649 |
| Equity capital to assets | 8.8662% | 2,615 |
| Core capital (leverage) ratio | 10.5967% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $139,365,333 | 3,481 |
| Average earning assets | $130,098,333 | 3,458 |
| Average equity | $11,952,333 | 3,543 |
| Average total loans | $102,322,667 | 3,152 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 2,321 |
| Cost of funding earning assets | 0.4282% | 3,892 |
| Net interest margin | 4.0693% | 1,143 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 3.3243% | 673 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6290% | 3,637 |
| Return on assets (ROA) | 0.6290% | 3,595 |
| Pretax return on assets | 0.7400% | 3,586 |
| Return on Equity (ROE) | 7.4600% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.4571% | 2,374 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.3301% | 805 |
| Assets per employee ($millions) | 5.0348% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,302 |
| Loan loss allowance to noncurrent loans | 286.4143% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 1,576 |
| Noncurrent loans to loans | 0.4358% | 1,629 |
| Net loans and leases to total assets | 72.1800% | 1,404 |
| Net loans and leases to deposits | 79.2965% | 1,871 |
| Net loans and leases to core deposits | 86.7224% | 1,822 |
| Total domestic deposits to total assets | 91.0200% | 797 |
| Equity capital to assets | 8.4930% | 2,899 |
| Core capital (leverage) ratio | 10.4632% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $140,541,000 | 3,515 |
| Average earning assets | $131,719,500 | 3,491 |
| Average equity | $11,854,500 | 3,583 |
| Average total loans | $103,110,500 | 3,174 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 1,166 |
| Cost of funding earning assets | 0.1725% | 3,980 |
| Net interest margin | 4.0724% | 698 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.3337% | 599 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.6338% | 3,794 |
| Return on assets (ROA) | 0.6338% | 3,748 |
| Pretax return on assets | 0.7478% | 3,748 |
| Return on Equity (ROE) | 7.4000% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.3986% | 2,068 |
| Net charge-offs to loans | 0.0020% | 2,461 |
| Credit loss provision to net charge-offs | 9,500.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 616.5000% | 279 |
| Efficiency ratio | 79.0413% | 787 |
| Assets per employee ($millions) | 4.6702% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,289 |
| Loan loss allowance to noncurrent loans | 271.5517% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 1,527 |
| Noncurrent loans to loans | 0.4497% | 1,585 |
| Net loans and leases to total assets | 72.7500% | 1,337 |
| Net loans and leases to deposits | 79.8260% | 1,784 |
| Net loans and leases to core deposits | 86.0100% | 1,747 |
| Total domestic deposits to total assets | 91.1300% | 906 |
| Equity capital to assets | 8.3765% | 2,787 |
| Core capital (leverage) ratio | 10.3341% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,484,800 | 3,538 |
| Average earning assets | $130,979,800 | 3,520 |
| Average equity | $11,948,200 | 3,676 |
| Average total loans | $99,487,400 | 3,158 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 926 |
| Cost of funding earning assets | 0.1691% | 3,635 |
| Net interest margin | 4.0115% | 630 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 3.2852% | 607 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7139% | 3,526 |
| Return on assets (ROA) | 0.7139% | 3,477 |
| Pretax return on assets | 0.8488% | 3,475 |
| Return on Equity (ROE) | 8.2900% | 3,241 |
| Retained earnings to average equity (ytd only) | 8.2878% | 1,891 |
| Net charge-offs to loans | 0.0027% | 2,155 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 466.0000% | 336 |
| Efficiency ratio | 78.6483% | 864 |
| Assets per employee ($millions) | 4.7193% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,003 |
| Loan loss allowance to noncurrent loans | 214.8362% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 1,471 |
| Noncurrent loans to loans | 0.5135% | 1,513 |
| Net loans and leases to total assets | 70.6000% | 1,430 |
| Net loans and leases to deposits | 77.0491% | 1,794 |
| Net loans and leases to core deposits | 83.0822% | 1,711 |
| Total domestic deposits to total assets | 91.6400% | 996 |
| Equity capital to assets | 7.8909% | 2,963 |
| Core capital (leverage) ratio | 10.0776% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $139,329,250 | 3,561 |
| Average earning assets | $130,854,000 | 3,537 |
| Average equity | $12,001,250 | 3,708 |
| Average total loans | $98,564,000 | 3,176 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 898 |
| Cost of funding earning assets | 0.1735% | 3,270 |
| Net interest margin | 3.8549% | 670 |
| Noninterest income to average assets | 0.4200% | 2,632 |
| Noninterest expense to average assets | 3.1823% | 651 |
| Loan and lease loss provision to assets | 0.0260% | 2,134 |
| Net operating income to assets | 0.7028% | 3,303 |
| Return on assets (ROA) | 0.7028% | 3,254 |
| Pretax return on assets | 0.8356% | 3,239 |
| Return on Equity (ROE) | 7.9331% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.9331% | 1,643 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6938% | 1,039 |
| Assets per employee ($millions) | 4.7808% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,261 |
| Loan loss allowance to noncurrent loans | 273.8693% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 1,861 |
| Noncurrent loans to loans | 0.3924% | 1,956 |
| Net loans and leases to total assets | 72.3751% | 1,064 |
| Net loans and leases to deposits | 78.8550% | 1,480 |
| Net loans and leases to core deposits | 84.9019% | 1,399 |
| Total domestic deposits to total assets | 91.7825% | 932 |
| Equity capital to assets | 8.0819% | 3,055 |
| Core capital (leverage) ratio | 9.9794% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,579,000 | 3,614 |
| Average earning assets | $130,276,333 | 3,594 |
| Average equity | $12,277,667 | 3,763 |
| Average total loans | $97,726,333 | 3,217 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 868 |
| Cost of funding earning assets | 0.1809% | 3,075 |
| Net interest margin | 3.7559% | 682 |
| Noninterest income to average assets | 0.3638% | 2,914 |
| Noninterest expense to average assets | 3.0199% | 793 |
| Loan and lease loss provision to assets | 0.0260% | 1,898 |
| Net operating income to assets | 0.7160% | 2,998 |
| Return on assets (ROA) | 0.7160% | 2,986 |
| Pretax return on assets | 0.8546% | 2,927 |
| Return on Equity (ROE) | 7.7415% | 2,781 |
| Retained earnings to average equity (ytd only) | 7.7415% | 1,655 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4241% | 1,360 |
| Assets per employee ($millions) | 4.9073% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 3,254 |
| Loan loss allowance to noncurrent loans | 204.7348% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 1,574 |
| Noncurrent loans to loans | 0.5458% | 1,673 |
| Net loans and leases to total assets | 69.6149% | 1,053 |
| Net loans and leases to deposits | 76.5304% | 1,398 |
| Net loans and leases to core deposits | 82.8853% | 1,302 |
| Total domestic deposits to total assets | 90.9638% | 1,056 |
| Equity capital to assets | 8.9940% | 2,714 |
| Core capital (leverage) ratio | 9.8304% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,547,000 | 3,633 |
| Average earning assets | $130,461,000 | 3,605 |
| Average equity | $12,814,000 | 3,780 |
| Average total loans | $95,873,000 | 3,250 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 1,474 |
| Cost of funding earning assets | 0.3168% | 2,230 |
| Net interest margin | 3.6378% | 1,370 |
| Noninterest income to average assets | 0.3664% | 3,238 |
| Noninterest expense to average assets | 3.1339% | 808 |
| Loan and lease loss provision to assets | 0.0532% | 1,992 |
| Net operating income to assets | 0.5194% | 4,038 |
| Return on assets (ROA) | 0.5194% | 4,086 |
| Pretax return on assets | 0.6065% | 4,098 |
| Return on Equity (ROE) | 5.4036% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.4036% | 2,615 |
| Net charge-offs to loans | 0.0011% | 2,637 |
| Credit loss provision to net charge-offs | 7,200.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 168 |
| Efficiency ratio | 82.6095% | 640 |
| Assets per employee ($millions) | 4.9890% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,237 |
| Loan loss allowance to noncurrent loans | 170.7006% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 1,470 |
| Noncurrent loans to loans | 0.6610% | 1,512 |
| Net loans and leases to total assets | 67.2484% | 1,341 |
| Net loans and leases to deposits | 74.3743% | 1,698 |
| Net loans and leases to core deposits | 81.0680% | 1,516 |
| Total domestic deposits to total assets | 90.4189% | 755 |
| Equity capital to assets | 9.4995% | 3,149 |
| Core capital (leverage) ratio | 9.7487% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0194% | 1,261 |
| Memoranda: | ||
| Average total assets | $135,357,200 | 3,628 |
| Average earning assets | $127,523,800 | 3,604 |
| Average equity | $13,009,800 | 3,830 |
| Average total loans | $92,370,000 | 3,302 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 1,587 |
| Cost of funding earning assets | 0.3543% | 2,077 |
| Net interest margin | 3.6260% | 1,536 |
| Noninterest income to average assets | 0.3535% | 3,338 |
| Noninterest expense to average assets | 3.1239% | 786 |
| Loan and lease loss provision to assets | 0.0536% | 1,910 |
| Net operating income to assets | 0.5034% | 4,197 |
| Return on assets (ROA) | 0.5034% | 4,239 |
| Pretax return on assets | 0.5908% | 4,247 |
| Return on Equity (ROE) | 5.2221% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.2221% | 3,132 |
| Net charge-offs to loans | 0.0015% | 2,365 |
| Credit loss provision to net charge-offs | 5,400.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 649.0000% | 245 |
| Efficiency ratio | 82.8986% | 585 |
| Assets per employee ($millions) | 4.9112% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,269 |
| Loan loss allowance to noncurrent loans | 149.0806% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 1,483 |
| Noncurrent loans to loans | 0.7625% | 1,481 |
| Net loans and leases to total assets | 66.6623% | 1,469 |
| Net loans and leases to deposits | 73.9286% | 1,860 |
| Net loans and leases to core deposits | 80.9255% | 1,660 |
| Total domestic deposits to total assets | 90.1712% | 696 |
| Equity capital to assets | 9.6070% | 3,283 |
| Core capital (leverage) ratio | 9.5864% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,273,750 | 3,676 |
| Average earning assets | $126,453,500 | 3,646 |
| Average equity | $12,944,750 | 3,886 |
| Average total loans | $91,709,500 | 3,355 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 1,493 |
| Cost of funding earning assets | 0.3877% | 1,989 |
| Net interest margin | 3.6437% | 1,488 |
| Noninterest income to average assets | 0.3409% | 3,400 |
| Noninterest expense to average assets | 3.2089% | 704 |
| Loan and lease loss provision to assets | 0.0541% | 1,953 |
| Net operating income to assets | 0.4355% | 4,325 |
| Return on assets (ROA) | 0.4355% | 4,368 |
| Pretax return on assets | 0.5075% | 4,383 |
| Return on Equity (ROE) | 4.5115% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.5115% | 3,358 |
| Net charge-offs to loans | 0.0022% | 2,125 |
| Credit loss provision to net charge-offs | 3,600.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 323 |
| Efficiency ratio | 85.1055% | 508 |
| Assets per employee ($millions) | 5.0399% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,350 |
| Loan loss allowance to noncurrent loans | 123.4803% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 1,350 |
| Noncurrent loans to loans | 0.9027% | 1,374 |
| Net loans and leases to total assets | 67.5417% | 1,508 |
| Net loans and leases to deposits | 74.7280% | 1,931 |
| Net loans and leases to core deposits | 83.0109% | 1,638 |
| Total domestic deposits to total assets | 90.3833% | 606 |
| Equity capital to assets | 9.5527% | 3,289 |
| Core capital (leverage) ratio | 9.6120% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,193,667 | 3,701 |
| Average earning assets | $125,367,333 | 3,673 |
| Average equity | $12,856,000 | 3,902 |
| Average total loans | $91,371,333 | 3,380 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 1,423 |
| Cost of funding earning assets | 0.4097% | 2,013 |
| Net interest margin | 3.6773% | 1,386 |
| Noninterest income to average assets | 0.3552% | 3,309 |
| Noninterest expense to average assets | 3.2394% | 668 |
| Loan and lease loss provision to assets | 0.0546% | 2,014 |
| Net operating income to assets | 0.4372% | 4,291 |
| Return on assets (ROA) | 0.4372% | 4,324 |
| Pretax return on assets | 0.5222% | 4,307 |
| Return on Equity (ROE) | 4.5055% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.5055% | 3,363 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8846% | 555 |
| Assets per employee ($millions) | 4.7854% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,330 |
| Loan loss allowance to noncurrent loans | 105.8152% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 1,225 |
| Noncurrent loans to loans | 1.0601% | 1,267 |
| Net loans and leases to total assets | 67.0356% | 1,657 |
| Net loans and leases to deposits | 74.1110% | 2,106 |
| Net loans and leases to core deposits | 82.4280% | 1,811 |
| Total domestic deposits to total assets | 90.4530% | 601 |
| Equity capital to assets | 9.4888% | 3,214 |
| Core capital (leverage) ratio | 9.5750% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,752,500 | 3,718 |
| Average earning assets | $124,003,000 | 3,693 |
| Average equity | $12,784,500 | 3,918 |
| Average total loans | $90,585,000 | 3,403 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,161 |
| Cost of funding earning assets | 0.5304% | 2,747 |
| Net interest margin | 4.0377% | 900 |
| Noninterest income to average assets | 0.3584% | 3,319 |
| Noninterest expense to average assets | 3.4678% | 728 |
| Loan and lease loss provision to assets | 0.1156% | 2,907 |
| Net operating income to assets | 0.4433% | 4,156 |
| Return on assets (ROA) | 0.4447% | 4,232 |
| Pretax return on assets | 0.5510% | 4,175 |
| Return on Equity (ROE) | 4.2625% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.2625% | 2,675 |
| Net charge-offs to loans | 0.0118% | 2,903 |
| Credit loss provision to net charge-offs | 1,254.5455% | 660 |
| Earnings coverage of net charge-offs (x) | 72.1818% | 957 |
| Efficiency ratio | 83.9108% | 641 |
| Assets per employee ($millions) | 4.6255% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,424 |
| Loan loss allowance to noncurrent loans | 96.6216% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 1,225 |
| Noncurrent loans to loans | 1.1469% | 1,238 |
| Net loans and leases to total assets | 68.9719% | 1,692 |
| Net loans and leases to deposits | 76.7036% | 2,210 |
| Net loans and leases to core deposits | 86.1742% | 1,856 |
| Total domestic deposits to total assets | 89.9201% | 599 |
| Equity capital to assets | 9.9255% | 3,201 |
| Core capital (leverage) ratio | 9.9665% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,414,400 | 3,757 |
| Average earning assets | $111,623,200 | 3,740 |
| Average equity | $12,457,400 | 3,929 |
| Average total loans | $93,483,000 | 3,351 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 1,188 |
| Cost of funding earning assets | 0.5575% | 2,883 |
| Net interest margin | 4.0906% | 912 |
| Noninterest income to average assets | 0.3969% | 3,092 |
| Noninterest expense to average assets | 3.4961% | 713 |
| Loan and lease loss provision to assets | 0.1369% | 2,646 |
| Net operating income to assets | 0.4590% | 4,152 |
| Return on assets (ROA) | 0.4608% | 4,213 |
| Pretax return on assets | 0.5829% | 4,130 |
| Return on Equity (ROE) | 4.3587% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.3587% | 2,870 |
| Net charge-offs to loans | 0.0085% | 2,806 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 104.8333% | 763 |
| Efficiency ratio | 82.9724% | 674 |
| Assets per employee ($millions) | 4.3857% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,529 |
| Loan loss allowance to noncurrent loans | 74.7352% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 935 |
| Noncurrent loans to loans | 1.3877% | 1,046 |
| Net loans and leases to total assets | 76.7726% | 988 |
| Net loans and leases to deposits | 85.7686% | 1,731 |
| Net loans and leases to core deposits | 97.0217% | 1,378 |
| Total domestic deposits to total assets | 89.5113% | 582 |
| Equity capital to assets | 10.3087% | 2,952 |
| Core capital (leverage) ratio | 10.4649% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,889,250 | 3,777 |
| Average earning assets | $109,059,750 | 3,773 |
| Average equity | $12,358,000 | 3,943 |
| Average total loans | $94,271,250 | 3,343 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,588 |
| Cost of funding earning assets | 0.5831% | 3,061 |
| Net interest margin | 4.0460% | 1,227 |
| Noninterest income to average assets | 0.3898% | 3,143 |
| Noninterest expense to average assets | 3.5712% | 681 |
| Loan and lease loss provision to assets | 0.0783% | 3,317 |
| Net operating income to assets | 0.3898% | 4,249 |
| Return on assets (ROA) | 0.3898% | 4,311 |
| Pretax return on assets | 0.5082% | 4,235 |
| Return on Equity (ROE) | 3.6549% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.6549% | 3,093 |
| Net charge-offs to loans | 0.0128% | 2,510 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 56.1667% | 1,018 |
| Efficiency ratio | 85.8937% | 538 |
| Assets per employee ($millions) | 4.1626% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 3,770 |
| Loan loss allowance to noncurrent loans | 63.6681% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 697 |
| Noncurrent loans to loans | 1.5022% | 1,006 |
| Net loans and leases to total assets | 78.3208% | 814 |
| Net loans and leases to deposits | 87.4477% | 1,616 |
| Net loans and leases to core deposits | 98.5696% | 1,365 |
| Total domestic deposits to total assets | 89.5630% | 547 |
| Equity capital to assets | 10.3251% | 2,906 |
| Core capital (leverage) ratio | 10.6159% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,919,333 | 3,788 |
| Average earning assets | $107,018,333 | 3,788 |
| Average equity | $12,257,667 | 3,953 |
| Average total loans | $93,940,333 | 3,336 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 1,728 |
| Cost of funding earning assets | 0.6114% | 3,374 |
| Net interest margin | 4.0834% | 1,168 |
| Noninterest income to average assets | 0.3321% | 3,540 |
| Noninterest expense to average assets | 3.6457% | 757 |
| Loan and lease loss provision to assets | 0.0643% | 2,959 |
| Net operating income to assets | 0.3370% | 4,266 |
| Return on assets (ROA) | 0.3428% | 4,285 |
| Pretax return on assets | 0.4213% | 4,258 |
| Return on Equity (ROE) | 3.1593% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.1593% | 3,014 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3983% | 566 |
| Assets per employee ($millions) | 4.0292% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 3,914 |
| Loan loss allowance to noncurrent loans | 63.3073% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.4776% | 730 |
| Noncurrent loans to loans | 1.5081% | 1,060 |
| Net loans and leases to total assets | 82.0249% | 433 |
| Net loans and leases to deposits | 92.0099% | 1,283 |
| Net loans and leases to core deposits | 103.7677% | 1,205 |
| Total domestic deposits to total assets | 89.1479% | 602 |
| Equity capital to assets | 10.7918% | 3,057 |
| Core capital (leverage) ratio | 10.9897% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,021,500 | 3,814 |
| Average earning assets | $104,031,500 | 3,820 |
| Average equity | $12,154,500 | 3,979 |
| Average total loans | $93,181,500 | 3,338 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 2,287 |
| Cost of funding earning assets | 0.6182% | 3,567 |
| Net interest margin | 4.0966% | 1,549 |
| Noninterest income to average assets | 0.3473% | 3,626 |
| Noninterest expense to average assets | 3.8394% | 634 |
| Loan and lease loss provision to assets | 0.0446% | 3,117 |
| Net operating income to assets | 0.2126% | 4,830 |
| Return on assets (ROA) | 0.2163% | 4,851 |
| Pretax return on assets | 0.2702% | 4,843 |
| Return on Equity (ROE) | 1.9441% | 4,807 |
| Retained earnings to average equity (ytd only) | 1.9441% | 4,019 |
| Net charge-offs to loans | 0.0091% | 3,359 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 1,278 |
| Efficiency ratio | 92.5263% | 276 |
| Assets per employee ($millions) | 3.8354% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,774 |
| Loan loss allowance to noncurrent loans | 58.3333% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 621 |
| Noncurrent loans to loans | 1.6141% | 872 |
| Net loans and leases to total assets | 82.7666% | 456 |
| Net loans and leases to deposits | 93.0819% | 1,244 |
| Net loans and leases to core deposits | 104.0415% | 1,225 |
| Total domestic deposits to total assets | 88.9181% | 702 |
| Equity capital to assets | 10.9093% | 3,085 |
| Core capital (leverage) ratio | 11.0126% | 2,492 |
| Tier 1 risk-based capital ratio | 16.9179% | 2,074 |
| Total risk-based capital ratio | 18.1358% | 2,035 |
| Memoranda: | ||
| Average total assets | $107,698,600 | 3,866 |
| Average earning assets | $99,960,800 | 3,872 |
| Average equity | $11,985,000 | 4,000 |
| Average total loans | $87,579,000 | 3,457 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 2,604 |
| Cost of funding earning assets | 0.6082% | 3,655 |
| Net interest margin | 4.0297% | 1,835 |
| Noninterest income to average assets | 0.4543% | 2,994 |
| Noninterest expense to average assets | 3.8158% | 645 |
| Loan and lease loss provision to assets | 0.0374% | 3,147 |
| Net operating income to assets | 0.2838% | 4,864 |
| Return on assets (ROA) | 0.2796% | 4,882 |
| Pretax return on assets | 0.3345% | 4,871 |
| Return on Equity (ROE) | 2.4997% | 4,842 |
| Retained earnings to average equity (ytd only) | 2.4997% | 4,095 |
| Net charge-offs to loans | 0.0093% | 3,036 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 50.3325% | 1,183 |
| Efficiency ratio | 91.0092% | 297 |
| Assets per employee ($millions) | 3.7384% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,702 |
| Loan loss allowance to noncurrent loans | 51.0107% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 528 |
| Noncurrent loans to loans | 1.9131% | 731 |
| Net loans and leases to total assets | 80.3068% | 810 |
| Net loans and leases to deposits | 91.4575% | 1,511 |
| Net loans and leases to core deposits | 101.3173% | 1,561 |
| Total domestic deposits to total assets | 87.8077% | 1,127 |
| Equity capital to assets | 11.1813% | 2,948 |
| Core capital (leverage) ratio | 11.2899% | 2,387 |
| Tier 1 risk-based capital ratio | 18.4737% | 1,692 |
| Total risk-based capital ratio | 19.7241% | 1,657 |
| Memoranda: | ||
| Average total assets | $106,816,750 | 3,918 |
| Average earning assets | $99,095,000 | 3,927 |
| Average equity | $11,947,750 | 4,045 |
| Average total loans | $86,240,500 | 3,520 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 2,618 |
| Cost of funding earning assets | 0.5761% | 3,763 |
| Net interest margin | 4.0429% | 1,791 |
| Noninterest income to average assets | 0.4911% | 2,724 |
| Noninterest expense to average assets | 3.7371% | 716 |
| Loan and lease loss provision to assets | 0.0339% | 3,150 |
| Net operating income to assets | 0.3960% | 4,743 |
| Return on assets (ROA) | 0.3707% | 4,794 |
| Pretax return on assets | 0.4403% | 4,773 |
| Return on Equity (ROE) | 3.3138% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.3138% | 3,570 |
| Net charge-offs to loans | 0.0023% | 3,092 |
| Credit loss provision to net charge-offs | 1,800.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 298 |
| Efficiency ratio | 88.1100% | 439 |
| Assets per employee ($millions) | 3.9429% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,730 |
| Loan loss allowance to noncurrent loans | 50.9886% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.9087% | 502 |
| Noncurrent loans to loans | 1.9265% | 756 |
| Net loans and leases to total assets | 80.5811% | 794 |
| Net loans and leases to deposits | 93.5007% | 1,311 |
| Net loans and leases to core deposits | 103.6101% | 1,421 |
| Total domestic deposits to total assets | 86.1823% | 1,939 |
| Equity capital to assets | 11.3594% | 2,739 |
| Core capital (leverage) ratio | 11.3950% | 2,248 |
| Tier 1 risk-based capital ratio | 18.2977% | 1,726 |
| Total risk-based capital ratio | 19.5479% | 1,689 |
| Memoranda: | ||
| Average total assets | $106,284,670 | 3,951 |
| Average earning assets | $98,592,330 | 3,951 |
| Average equity | $11,889,670 | 4,060 |
| Average total loans | $85,680,330 | 3,555 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 2,507 |
| Cost of funding earning assets | 0.5281% | 3,928 |
| Net interest margin | 4.0787% | 1,611 |
| Noninterest income to average assets | 0.3428% | 3,575 |
| Noninterest expense to average assets | 3.6460% | 803 |
| Loan and lease loss provision to assets | 0.0226% | 3,144 |
| Net operating income to assets | 0.3908% | 4,753 |
| Return on assets (ROA) | 0.3390% | 4,863 |
| Pretax return on assets | 0.3955% | 4,843 |
| Return on Equity (ROE) | 3.0540% | 4,775 |
| Retained earnings to average equity (ytd only) | 3.0540% | 3,713 |
| Net charge-offs to loans | 0.0047% | 2,541 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 567 |
| Efficiency ratio | 88.4018% | 462 |
| Assets per employee ($millions) | 3.9918% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,825 |
| Loan loss allowance to noncurrent loans | 48.4709% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 481 |
| Noncurrent loans to loans | 2.0201% | 731 |
| Net loans and leases to total assets | 78.8185% | 1,012 |
| Net loans and leases to deposits | 91.9889% | 1,402 |
| Net loans and leases to core deposits | 101.8170% | 1,479 |
| Total domestic deposits to total assets | 85.6826% | 2,410 |
| Equity capital to assets | 11.0199% | 2,833 |
| Core capital (leverage) ratio | 11.3523% | 2,241 |
| Tier 1 risk-based capital ratio | 18.4358% | 1,677 |
| Total risk-based capital ratio | 19.6851% | 1,623 |
| Memoranda: | ||
| Average total assets | $106,198,000 | 4,000 |
| Average earning assets | $98,462,500 | 3,994 |
| Average equity | $11,788,000 | 4,089 |
| Average total loans | $85,202,500 | 3,593 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 2,545 |
| Cost of funding earning assets | 0.2822% | 4,652 |
| Net interest margin | 4.1901% | 1,418 |
| Noninterest income to average assets | 0.4042% | 3,417 |
| Noninterest expense to average assets | 3.8085% | 674 |
| Loan and lease loss provision to assets | 0.2760% | 608 |
| Net operating income to assets | 0.1302% | 5,161 |
| Return on assets (ROA) | 0.1302% | 5,154 |
| Pretax return on assets | 0.1860% | 5,125 |
| Return on Equity (ROE) | 1.1424% | 5,147 |
| Retained earnings to average equity (ytd only) | 1.1424% | 4,668 |
| Net charge-offs to loans | 0.1554% | 1,238 |
| Credit loss provision to net charge-offs | 229.2683% | 1,285 |
| Earnings coverage of net charge-offs (x) | 3.8374% | 3,374 |
| Efficiency ratio | 89.1818% | 380 |
| Assets per employee ($millions) | 3.7364% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,775 |
| Loan loss allowance to noncurrent loans | 45.9549% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.1650% | 414 |
| Noncurrent loans to loans | 2.1473% | 609 |
| Net loans and leases to total assets | 80.0828% | 932 |
| Net loans and leases to deposits | 94.5663% | 1,220 |
| Net loans and leases to core deposits | 104.4195% | 1,379 |
| Total domestic deposits to total assets | 84.6843% | 2,773 |
| Equity capital to assets | 11.1826% | 2,530 |
| Core capital (leverage) ratio | 11.5246% | 2,086 |
| Tier 1 risk-based capital ratio | 18.5189% | 1,617 |
| Total risk-based capital ratio | 19.7692% | 1,566 |
| Memoranda: | ||
| Average total assets | $102,165,200 | 4,062 |
| Average earning assets | $94,270,600 | 4,061 |
| Average equity | $11,642,400 | 4,071 |
| Average total loans | $79,171,200 | 3,681 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 2,710 |
| Cost of funding earning assets | 0.2421% | 4,832 |
| Net interest margin | 4.1328% | 1,541 |
| Noninterest income to average assets | 0.4451% | 3,203 |
| Noninterest expense to average assets | 3.7642% | 693 |
| Loan and lease loss provision to assets | 0.3650% | 363 |
| Net operating income to assets | 0.0643% | 5,270 |
| Return on assets (ROA) | 0.0643% | 5,262 |
| Pretax return on assets | 0.1260% | 5,240 |
| Return on Equity (ROE) | 0.5618% | 5,262 |
| Retained earnings to average equity (ytd only) | 0.5618% | 4,941 |
| Net charge-offs to loans | 0.1936% | 863 |
| Credit loss provision to net charge-offs | 246.0177% | 1,197 |
| Earnings coverage of net charge-offs (x) | 3.3098% | 3,173 |
| Efficiency ratio | 88.4604% | 386 |
| Assets per employee ($millions) | 3.4080% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,519 |
| Loan loss allowance to noncurrent loans | 44.4444% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.3621% | 387 |
| Noncurrent loans to loans | 2.3436% | 576 |
| Net loans and leases to total assets | 78.0575% | 1,335 |
| Net loans and leases to deposits | 90.8073% | 1,795 |
| Net loans and leases to core deposits | 100.3180% | 1,762 |
| Total domestic deposits to total assets | 85.9595% | 2,218 |
| Equity capital to assets | 11.2872% | 2,402 |
| Core capital (leverage) ratio | 11.7193% | 1,997 |
| Tier 1 risk-based capital ratio | 18.9964% | 1,538 |
| Total risk-based capital ratio | 20.2465% | 1,506 |
| Memoranda: | ||
| Average total assets | $101,552,000 | 4,114 |
| Average earning assets | $93,623,250 | 4,116 |
| Average equity | $11,628,250 | 4,108 |
| Average total loans | $77,810,000 | 3,738 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2938% | 2,779 |
| Cost of funding earning assets | 0.2205% | 4,917 |
| Net interest margin | 4.0733% | 1,635 |
| Noninterest income to average assets | 0.4579% | 3,105 |
| Noninterest expense to average assets | 3.7603% | 698 |
| Loan and lease loss provision to assets | 0.0829% | 2,258 |
| Net operating income to assets | 0.3000% | 5,113 |
| Return on assets (ROA) | 0.3000% | 5,108 |
| Pretax return on assets | 0.3711% | 5,080 |
| Return on Equity (ROE) | 2.6077% | 5,077 |
| Retained earnings to average equity (ytd only) | 2.6077% | 4,213 |
| Net charge-offs to loans | 0.2706% | 590 |
| Credit loss provision to net charge-offs | 40.3846% | 2,561 |
| Earnings coverage of net charge-offs (x) | 2.2115% | 2,993 |
| Efficiency ratio | 89.2272% | 403 |
| Assets per employee ($millions) | 3.4679% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,733 |
| Loan loss allowance to noncurrent loans | 42.4809% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.9569% | 556 |
| Noncurrent loans to loans | 1.8525% | 837 |
| Net loans and leases to total assets | 76.8428% | 1,502 |
| Net loans and leases to deposits | 87.2205% | 2,189 |
| Net loans and leases to core deposits | 96.2439% | 2,043 |
| Total domestic deposits to total assets | 88.1017% | 1,322 |
| Equity capital to assets | 11.6070% | 2,121 |
| Core capital (leverage) ratio | 11.9440% | 1,755 |
| Tier 1 risk-based capital ratio | 20.1580% | 1,295 |
| Total risk-based capital ratio | 21.1928% | 1,300 |
| Memoranda: | ||
| Average total assets | $101,322,670 | 4,156 |
| Average earning assets | $93,438,000 | 4,154 |
| Average equity | $11,657,670 | 4,128 |
| Average total loans | $76,864,670 | 3,781 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 2,647 |
| Cost of funding earning assets | 0.2172% | 4,915 |
| Net interest margin | 4.0503% | 1,562 |
| Noninterest income to average assets | 0.5310% | 2,626 |
| Noninterest expense to average assets | 3.7444% | 714 |
| Loan and lease loss provision to assets | 0.0472% | 2,818 |
| Net operating income to assets | 0.3854% | 4,954 |
| Return on assets (ROA) | 0.3854% | 4,962 |
| Pretax return on assets | 0.4798% | 4,902 |
| Return on Equity (ROE) | 3.3648% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.3648% | 3,864 |
| Net charge-offs to loans | 0.2829% | 543 |
| Credit loss provision to net charge-offs | 22.2222% | 2,111 |
| Earnings coverage of net charge-offs (x) | 2.4815% | 2,457 |
| Efficiency ratio | 87.6611% | 554 |
| Assets per employee ($millions) | 3.5051% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 4,689 |
| Loan loss allowance to noncurrent loans | 45.1498% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.8653% | 640 |
| Noncurrent loans to loans | 1.8481% | 893 |
| Net loans and leases to total assets | 74.0083% | 1,853 |
| Net loans and leases to deposits | 83.7803% | 2,410 |
| Net loans and leases to core deposits | 92.2353% | 2,279 |
| Total domestic deposits to total assets | 88.3362% | 1,438 |
| Equity capital to assets | 11.4503% | 2,172 |
| Core capital (leverage) ratio | 11.8089% | 1,773 |
| Tier 1 risk-based capital ratio | 20.4568% | 1,272 |
| Total risk-based capital ratio | 21.5462% | 1,270 |
| Memoranda: | ||
| Average total assets | $101,699,500 | 4,199 |
| Average earning assets | $93,920,000 | 4,192 |
| Average equity | $11,650,000 | 4,172 |
| Average total loans | $76,350,500 | 3,825 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 2,394 |
| Cost of funding earning assets | 0.2232% | 4,764 |
| Net interest margin | 4.0566% | 1,572 |
| Noninterest income to average assets | 0.3693% | 3,828 |
| Noninterest expense to average assets | 3.5812% | 919 |
| Loan and lease loss provision to assets | 0.0692% | 2,819 |
| Net operating income to assets | 0.3501% | 4,829 |
| Return on assets (ROA) | 0.3479% | 4,858 |
| Pretax return on assets | 0.4531% | 5,011 |
| Return on Equity (ROE) | 3.1004% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.1004% | 3,439 |
| Net charge-offs to loans | 0.0067% | 3,838 |
| Credit loss provision to net charge-offs | 1,420.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 107.8000% | 616 |
| Efficiency ratio | 87.2093% | 575 |
| Assets per employee ($millions) | 3.5087% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,565 |
| Loan loss allowance to noncurrent loans | 45.9184% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.9174% | 614 |
| Noncurrent loans to loans | 1.9131% | 810 |
| Net loans and leases to total assets | 74.8543% | 1,782 |
| Net loans and leases to deposits | 84.8040% | 2,401 |
| Net loans and leases to core deposits | 93.6735% | 2,224 |
| Total domestic deposits to total assets | 88.2674% | 1,363 |
| Equity capital to assets | 11.4603% | 2,229 |
| Core capital (leverage) ratio | 11.5846% | 1,881 |
| Tier 1 risk-based capital ratio | 20.1649% | 1,285 |
| Total risk-based capital ratio | 21.3194% | 1,268 |
| Memoranda: | ||
| Average total assets | $102,620,000 | 4,196 |
| Average earning assets | $94,536,600 | 4,190 |
| Average equity | $11,514,600 | 4,223 |
| Average total loans | $74,702,800 | 3,853 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,432 |
| Cost of funding earning assets | 0.2226% | 4,790 |
| Net interest margin | 4.0286% | 1,611 |
| Noninterest income to average assets | 0.3902% | 3,752 |
| Noninterest expense to average assets | 3.5045% | 989 |
| Loan and lease loss provision to assets | 0.0687% | 2,700 |
| Net operating income to assets | 0.3553% | 5,095 |
| Return on assets (ROA) | 0.3527% | 5,125 |
| Pretax return on assets | 0.5212% | 4,983 |
| Return on Equity (ROE) | 3.1596% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.1596% | 4,026 |
| Net charge-offs to loans | 0.0090% | 3,406 |
| Credit loss provision to net charge-offs | 1,060.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 91.5517% | 732 |
| Efficiency ratio | 85.5109% | 654 |
| Assets per employee ($millions) | 3.4492% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 4,747 |
| Loan loss allowance to noncurrent loans | 47.5469% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.8130% | 759 |
| Noncurrent loans to loans | 1.7949% | 999 |
| Net loans and leases to total assets | 73.9899% | 1,920 |
| Net loans and leases to deposits | 83.6403% | 2,601 |
| Net loans and leases to core deposits | 92.7731% | 2,372 |
| Total domestic deposits to total assets | 88.4619% | 1,145 |
| Equity capital to assets | 11.2800% | 2,589 |
| Core capital (leverage) ratio | 11.3934% | 2,108 |
| Tier 1 risk-based capital ratio | 19.8551% | 1,394 |
| Total risk-based capital ratio | 20.9732% | 1,391 |
| Memoranda: | ||
| Average total assets | $102,837,250 | 4,231 |
| Average earning assets | $94,653,250 | 4,226 |
| Average equity | $11,478,000 | 4,274 |
| Average total loans | $74,168,500 | 3,897 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 2,532 |
| Cost of funding earning assets | 0.2206% | 4,800 |
| Net interest margin | 3.9642% | 1,729 |
| Noninterest income to average assets | 0.4034% | 3,671 |
| Noninterest expense to average assets | 3.5118% | 991 |
| Loan and lease loss provision to assets | 0.0526% | 2,928 |
| Net operating income to assets | 0.3313% | 5,151 |
| Return on assets (ROA) | 0.3313% | 5,173 |
| Pretax return on assets | 0.4814% | 5,038 |
| Return on Equity (ROE) | 2.9790% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.9790% | 3,944 |
| Net charge-offs to loans | 0.0109% | 3,076 |
| Credit loss provision to net charge-offs | 675.0000% | 516 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 852 |
| Efficiency ratio | 86.8015% | 622 |
| Assets per employee ($millions) | 3.4492% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,826 |
| Loan loss allowance to noncurrent loans | 67.8801% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3810% | 1,145 |
| Noncurrent loans to loans | 1.2461% | 1,554 |
| Net loans and leases to total assets | 71.8198% | 2,231 |
| Net loans and leases to deposits | 81.0392% | 2,797 |
| Net loans and leases to core deposits | 90.1588% | 2,511 |
| Total domestic deposits to total assets | 88.6236% | 1,145 |
| Equity capital to assets | 11.1928% | 2,602 |
| Core capital (leverage) ratio | 11.4412% | 2,011 |
| Tier 1 risk-based capital ratio | 19.9621% | 1,380 |
| Total risk-based capital ratio | 21.0531% | 1,376 |
| Memoranda: | ||
| Average total assets | $102,624,670 | 4,261 |
| Average earning assets | $94,293,330 | 4,260 |
| Average equity | $11,413,330 | 4,291 |
| Average total loans | $73,151,330 | 3,942 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 2,645 |
| Cost of funding earning assets | 0.2206% | 4,797 |
| Net interest margin | 3.8815% | 1,845 |
| Noninterest income to average assets | 0.4971% | 3,004 |
| Noninterest expense to average assets | 3.5734% | 933 |
| Loan and lease loss provision to assets | 0.0978% | 1,929 |
| Net operating income to assets | 0.2779% | 5,248 |
| Return on assets (ROA) | 0.2779% | 5,260 |
| Pretax return on assets | 0.4071% | 5,151 |
| Return on Equity (ROE) | 2.5068% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.5068% | 4,140 |
| Net charge-offs to loans | 0.0221% | 2,326 |
| Credit loss provision to net charge-offs | 625.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 1,177 |
| Efficiency ratio | 87.6200% | 688 |
| Assets per employee ($millions) | 3.2948% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 4,846 |
| Loan loss allowance to noncurrent loans | 62.5743% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.5381% | 1,029 |
| Noncurrent loans to loans | 1.3978% | 1,445 |
| Net loans and leases to total assets | 70.1238% | 2,357 |
| Net loans and leases to deposits | 79.0279% | 2,860 |
| Net loans and leases to core deposits | 87.2101% | 2,620 |
| Total domestic deposits to total assets | 88.7329% | 1,299 |
| Equity capital to assets | 11.1428% | 2,487 |
| Core capital (leverage) ratio | 11.3532% | 2,058 |
| Tier 1 risk-based capital ratio | 20.9013% | 1,230 |
| Total risk-based capital ratio | 22.0498% | 1,225 |
| Memoranda: | ||
| Average total assets | $102,198,500 | 4,310 |
| Average earning assets | $94,294,500 | 4,302 |
| Average equity | $11,329,000 | 4,332 |
| Average total loans | $72,251,500 | 3,997 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 2,349 |
| Cost of funding earning assets | 0.2042% | 4,975 |
| Net interest margin | 4.0366% | 1,539 |
| Noninterest income to average assets | 0.4043% | 3,846 |
| Noninterest expense to average assets | 3.7182% | 859 |
| Loan and lease loss provision to assets | 0.0030% | 4,292 |
| Net operating income to assets | 0.2402% | 5,334 |
| Return on assets (ROA) | 0.2648% | 5,359 |
| Pretax return on assets | 0.4366% | 5,146 |
| Return on Equity (ROE) | 2.3325% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.3325% | 4,199 |
| Net charge-offs to loans | 0.0202% | 3,649 |
| Credit loss provision to net charge-offs | 21.4286% | 3,666 |
| Earnings coverage of net charge-offs (x) | 28.3571% | 1,473 |
| Efficiency ratio | 90.2601% | 539 |
| Assets per employee ($millions) | 3.5262% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,992 |
| Loan loss allowance to noncurrent loans | 61.2121% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.6184% | 978 |
| Noncurrent loans to loans | 1.3703% | 1,497 |
| Net loans and leases to total assets | 70.0594% | 2,458 |
| Net loans and leases to deposits | 78.9130% | 3,002 |
| Net loans and leases to core deposits | 87.5862% | 2,715 |
| Total domestic deposits to total assets | 88.7804% | 1,211 |
| Equity capital to assets | 11.0279% | 2,611 |
| Core capital (leverage) ratio | 11.3366% | 2,051 |
| Tier 1 risk-based capital ratio | 21.1803% | 1,176 |
| Total risk-based capital ratio | 22.3031% | 1,181 |
| Memoranda: | ||
| Average total assets | $98,945,000 | 4,367 |
| Average earning assets | $91,067,400 | 4,367 |
| Average equity | $11,232,800 | 4,391 |
| Average total loans | $69,467,600 | 4,055 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,271 |
| Cost of funding earning assets | 0.1980% | 5,090 |
| Net interest margin | 4.0685% | 1,477 |
| Noninterest income to average assets | 0.4444% | 3,598 |
| Noninterest expense to average assets | 3.7383% | 805 |
| Loan and lease loss provision to assets | 0.0109% | 4,024 |
| Net operating income to assets | 0.2591% | 5,374 |
| Return on assets (ROA) | 0.2922% | 5,387 |
| Pretax return on assets | 0.4878% | 5,150 |
| Return on Equity (ROE) | 2.5545% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.5545% | 4,387 |
| Net charge-offs to loans | 0.0271% | 3,121 |
| Credit loss provision to net charge-offs | 57.1429% | 2,944 |
| Earnings coverage of net charge-offs (x) | 23.4954% | 1,716 |
| Efficiency ratio | 89.3182% | 601 |
| Assets per employee ($millions) | 3.2204% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,912 |
| Loan loss allowance to noncurrent loans | 62.5621% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.7830% | 930 |
| Noncurrent loans to loans | 1.4172% | 1,544 |
| Net loans and leases to total assets | 70.5452% | 2,414 |
| Net loans and leases to deposits | 79.9351% | 2,973 |
| Net loans and leases to core deposits | 89.2078% | 2,650 |
| Total domestic deposits to total assets | 88.2531% | 1,264 |
| Equity capital to assets | 11.3782% | 2,624 |
| Core capital (leverage) ratio | 11.4842% | 2,048 |
| Tier 1 risk-based capital ratio | 21.4830% | 1,197 |
| Total risk-based capital ratio | 22.6799% | 1,188 |
| Memoranda: | ||
| Average total assets | $98,116,500 | 4,414 |
| Average earning assets | $90,219,750 | 4,415 |
| Average equity | $11,221,750 | 4,430 |
| Average total loans | $68,772,500 | 4,099 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 2,198 |
| Cost of funding earning assets | 0.1964% | 5,182 |
| Net interest margin | 4.0888% | 1,395 |
| Noninterest income to average assets | 0.4736% | 3,380 |
| Noninterest expense to average assets | 3.7316% | 839 |
| Loan and lease loss provision to assets | 0.0164% | 3,785 |
| Net operating income to assets | 0.3092% | 5,297 |
| Return on assets (ROA) | 0.3158% | 5,362 |
| Pretax return on assets | 0.4921% | 5,148 |
| Return on Equity (ROE) | 2.7559% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.7559% | 4,146 |
| Net charge-offs to loans | 0.0059% | 3,491 |
| Credit loss provision to net charge-offs | 400.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 483 |
| Efficiency ratio | 88.2210% | 709 |
| Assets per employee ($millions) | 3.2990% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,951 |
| Loan loss allowance to noncurrent loans | 65.4750% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.7702% | 984 |
| Noncurrent loans to loans | 1.3781% | 1,624 |
| Net loans and leases to total assets | 71.1289% | 2,313 |
| Net loans and leases to deposits | 80.5854% | 2,863 |
| Net loans and leases to core deposits | 89.2627% | 2,608 |
| Total domestic deposits to total assets | 88.2652% | 1,291 |
| Equity capital to assets | 11.4387% | 2,608 |
| Core capital (leverage) ratio | 11.5212% | 1,979 |
| Tier 1 risk-based capital ratio | 21.5336% | 1,193 |
| Total risk-based capital ratio | 22.7609% | 1,179 |
| Memoranda: | ||
| Average total assets | $97,545,000 | 4,461 |
| Average earning assets | $89,610,000 | 4,470 |
| Average equity | $11,176,000 | 4,463 |
| Average total loans | $68,011,330 | 4,148 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,167 |
| Cost of funding earning assets | 0.2023% | 5,181 |
| Net interest margin | 4.0864% | 1,380 |
| Noninterest income to average assets | 0.4048% | 3,795 |
| Noninterest expense to average assets | 3.6889% | 911 |
| Loan and lease loss provision to assets | 0.0248% | 3,353 |
| Net operating income to assets | 0.2867% | 5,339 |
| Return on assets (ROA) | 0.3924% | 5,094 |
| Pretax return on assets | 0.6114% | 4,787 |
| Return on Equity (ROE) | 3.4223% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.4223% | 3,794 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6792% | 764 |
| Assets per employee ($millions) | 3.2392% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,887 |
| Loan loss allowance to noncurrent loans | 110.7081% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 1,494 |
| Noncurrent loans to loans | 0.8517% | 2,717 |
| Net loans and leases to total assets | 69.2969% | 2,458 |
| Net loans and leases to deposits | 78.5288% | 2,949 |
| Net loans and leases to core deposits | 86.8589% | 2,670 |
| Total domestic deposits to total assets | 88.2440% | 1,504 |
| Equity capital to assets | 11.5039% | 2,436 |
| Core capital (leverage) ratio | 11.4835% | 1,985 |
| Tier 1 risk-based capital ratio | 22.0089% | 1,157 |
| Total risk-based capital ratio | 23.2581% | 1,135 |
| Memoranda: | ||
| Average total assets | $96,832,000 | 4,512 |
| Average earning assets | $88,978,000 | 4,527 |
| Average equity | $11,103,500 | 4,482 |
| Average total loans | $66,498,000 | 4,207 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 1,898 |
| Cost of funding earning assets | 0.1931% | 5,337 |
| Net interest margin | 4.2077% | 1,157 |
| Noninterest income to average assets | 0.4376% | 3,764 |
| Noninterest expense to average assets | 3.7049% | 968 |
| Loan and lease loss provision to assets | 0.0289% | 3,792 |
| Net operating income to assets | 0.3980% | 5,058 |
| Return on assets (ROA) | 0.3980% | 5,136 |
| Pretax return on assets | 0.5499% | 4,990 |
| Return on Equity (ROE) | 3.4242% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.4242% | 3,616 |
| Net charge-offs to loans | 0.0381% | 3,460 |
| Credit loss provision to net charge-offs | 108.0000% | 2,336 |
| Earnings coverage of net charge-offs (x) | 21.6400% | 1,806 |
| Efficiency ratio | 86.4885% | 963 |
| Assets per employee ($millions) | 3.3272% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,730 |
| Loan loss allowance to noncurrent loans | 182.9971% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 1,870 |
| Noncurrent loans to loans | 0.5337% | 3,569 |
| Net loans and leases to total assets | 66.7233% | 2,881 |
| Net loans and leases to deposits | 75.5510% | 3,315 |
| Net loans and leases to core deposits | 83.3312% | 3,020 |
| Total domestic deposits to total assets | 88.3156% | 1,465 |
| Equity capital to assets | 11.4294% | 2,415 |
| Core capital (leverage) ratio | 11.5183% | 1,951 |
| Tier 1 risk-based capital ratio | 20.2541% | 1,435 |
| Total risk-based capital ratio | 21.4134% | 1,423 |
| Memoranda: | ||
| Average total assets | $93,471,200 | 4,596 |
| Average earning assets | $85,438,400 | 4,602 |
| Average equity | $10,864,000 | 4,505 |
| Average total loans | $65,561,000 | 4,216 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,865 |
| Cost of funding earning assets | 0.1875% | 5,476 |
| Net interest margin | 4.2303% | 1,104 |
| Noninterest income to average assets | 0.4875% | 3,467 |
| Noninterest expense to average assets | 3.7216% | 947 |
| Loan and lease loss provision to assets | 0.0302% | 3,630 |
| Net operating income to assets | 0.3825% | 5,228 |
| Return on assets (ROA) | 0.3825% | 5,308 |
| Pretax return on assets | 0.5968% | 4,980 |
| Return on Equity (ROE) | 3.2802% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.2802% | 4,132 |
| Net charge-offs to loans | 0.0507% | 2,891 |
| Credit loss provision to net charge-offs | 84.0000% | 2,549 |
| Earnings coverage of net charge-offs (x) | 17.4413% | 2,055 |
| Efficiency ratio | 85.5820% | 1,037 |
| Assets per employee ($millions) | 3.3041% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 4,920 |
| Loan loss allowance to noncurrent loans | 156.0794% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 1,809 |
| Noncurrent loans to loans | 0.6174% | 3,465 |
| Net loans and leases to total assets | 67.4598% | 2,779 |
| Net loans and leases to deposits | 76.4636% | 3,251 |
| Net loans and leases to core deposits | 85.5083% | 2,900 |
| Total domestic deposits to total assets | 88.2248% | 1,436 |
| Equity capital to assets | 11.4078% | 2,578 |
| Core capital (leverage) ratio | 11.6423% | 1,924 |
| Tier 1 risk-based capital ratio | 22.4720% | 1,130 |
| Total risk-based capital ratio | 23.7217% | 1,109 |
| Memoranda: | ||
| Average total assets | $92,717,000 | 4,660 |
| Average earning assets | $84,625,000 | 4,677 |
| Average equity | $10,812,250 | 4,570 |
| Average total loans | $65,697,500 | 4,251 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 1,529 |
| Cost of funding earning assets | 0.1747% | 5,655 |
| Net interest margin | 4.3285% | 866 |
| Noninterest income to average assets | 0.4668% | 3,581 |
| Noninterest expense to average assets | 3.7782% | 894 |
| Loan and lease loss provision to assets | 0.0262% | 3,613 |
| Net operating income to assets | 0.3905% | 5,162 |
| Return on assets (ROA) | 0.3905% | 5,273 |
| Pretax return on assets | 0.6086% | 4,956 |
| Return on Equity (ROE) | 3.3232% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.3232% | 3,932 |
| Net charge-offs to loans | 0.0304% | 3,054 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 29.1000% | 1,389 |
| Efficiency ratio | 85.6154% | 1,093 |
| Assets per employee ($millions) | 3.2264% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 5,039 |
| Loan loss allowance to noncurrent loans | 160.7595% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4300% | 1,747 |
| Noncurrent loans to loans | 0.5993% | 3,671 |
| Net loans and leases to total assets | 69.7643% | 2,354 |
| Net loans and leases to deposits | 79.1740% | 2,887 |
| Net loans and leases to core deposits | 88.1487% | 2,538 |
| Total domestic deposits to total assets | 88.1152% | 1,586 |
| Equity capital to assets | 11.5823% | 2,344 |
| Core capital (leverage) ratio | 11.9353% | 1,696 |
| Tier 1 risk-based capital ratio | 22.4151% | 1,147 |
| Total risk-based capital ratio | 23.6654% | 1,129 |
| Memoranda: | ||
| Average total assets | $91,682,670 | 4,733 |
| Average earning assets | $83,585,670 | 4,744 |
| Average equity | $10,772,670 | 4,609 |
| Average total loans | $65,840,330 | 4,279 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 1,315 |
| Cost of funding earning assets | 0.1598% | 5,842 |
| Net interest margin | 4.3981% | 733 |
| Noninterest income to average assets | 0.4496% | 3,638 |
| Noninterest expense to average assets | 3.8747% | 801 |
| Loan and lease loss provision to assets | 0.0264% | 3,357 |
| Net operating income to assets | 0.3615% | 5,215 |
| Return on assets (ROA) | 0.3615% | 5,332 |
| Pretax return on assets | 0.5510% | 5,045 |
| Return on Equity (ROE) | 3.0539% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.0539% | 4,147 |
| Net charge-offs to loans | 0.0608% | 2,139 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 13.1000% | 1,746 |
| Efficiency ratio | 87.0297% | 1,093 |
| Assets per employee ($millions) | 3.3760% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 5,216 |
| Loan loss allowance to noncurrent loans | 105.7143% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.8266% | 1,339 |
| Noncurrent loans to loans | 0.9057% | 2,974 |
| Net loans and leases to total assets | 71.3859% | 1,920 |
| Net loans and leases to deposits | 81.1526% | 2,426 |
| Net loans and leases to core deposits | 87.2870% | 2,404 |
| Total domestic deposits to total assets | 87.9650% | 1,845 |
| Equity capital to assets | 11.8353% | 2,165 |
| Core capital (leverage) ratio | 11.8690% | 1,724 |
| Tier 1 risk-based capital ratio | 20.1564% | 1,580 |
| Total risk-based capital ratio | 21.3299% | 1,564 |
| Memoranda: | ||
| Average total assets | $90,741,500 | 4,796 |
| Average earning assets | $82,580,500 | 4,811 |
| Average equity | $10,740,500 | 4,654 |
| Average total loans | $65,805,500 | 4,304 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 1,461 |
| Cost of funding earning assets | 0.1850% | 5,879 |
| Net interest margin | 4.4496% | 816 |
| Noninterest income to average assets | 0.4405% | 3,894 |
| Noninterest expense to average assets | 3.7614% | 1,049 |
| Loan and lease loss provision to assets | 0.3094% | 658 |
| Net operating income to assets | 0.2160% | 5,736 |
| Return on assets (ROA) | 0.2160% | 5,795 |
| Pretax return on assets | 0.4276% | 5,425 |
| Return on Equity (ROE) | 1.9062% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.9062% | 4,853 |
| Net charge-offs to loans | 0.3607% | 1,206 |
| Credit loss provision to net charge-offs | 119.0083% | 2,024 |
| Earnings coverage of net charge-offs (x) | 2.8347% | 4,050 |
| Efficiency ratio | 83.6160% | 1,460 |
| Assets per employee ($millions) | 3.1149% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 5,249 |
| Loan loss allowance to noncurrent loans | 81.0499% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.3890% | 979 |
| Noncurrent loans to loans | 1.1849% | 2,469 |
| Net loans and leases to total assets | 72.2667% | 1,863 |
| Net loans and leases to deposits | 82.1721% | 2,449 |
| Net loans and leases to core deposits | 86.4487% | 2,650 |
| Total domestic deposits to total assets | 87.9456% | 1,801 |
| Equity capital to assets | 11.8374% | 2,141 |
| Core capital (leverage) ratio | 11.8734% | 1,717 |
| Tier 1 risk-based capital ratio | 21.9628% | 1,228 |
| Total risk-based capital ratio | 23.2143% | 1,207 |
| Memoranda: | ||
| Average total assets | $93,076,800 | 4,771 |
| Average earning assets | $84,883,400 | 4,761 |
| Average equity | $10,544,600 | 4,644 |
| Average total loans | $67,094,800 | 4,263 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 1,882 |
| Cost of funding earning assets | 0.1900% | 5,910 |
| Net interest margin | 4.3064% | 1,039 |
| Noninterest income to average assets | 0.4565% | 3,845 |
| Noninterest expense to average assets | 3.7086% | 1,103 |
| Loan and lease loss provision to assets | 0.4010% | 423 |
| Net operating income to assets | 0.1749% | 5,893 |
| Return on assets (ROA) | 0.1749% | 5,935 |
| Pretax return on assets | 0.2787% | 5,812 |
| Return on Equity (ROE) | 1.5608% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.5608% | 5,262 |
| Net charge-offs to loans | 0.4511% | 871 |
| Credit loss provision to net charge-offs | 123.6842% | 1,866 |
| Earnings coverage of net charge-offs (x) | 2.0965% | 3,993 |
| Efficiency ratio | 84.5107% | 1,327 |
| Assets per employee ($millions) | 3.1994% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 5,395 |
| Loan loss allowance to noncurrent loans | 84.7884% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.8462% | 1,602 |
| Noncurrent loans to loans | 1.1284% | 2,803 |
| Net loans and leases to total assets | 71.5196% | 1,934 |
| Net loans and leases to deposits | 80.9234% | 2,563 |
| Net loans and leases to core deposits | 84.9926% | 2,776 |
| Total domestic deposits to total assets | 88.3793% | 1,565 |
| Equity capital to assets | 11.3911% | 2,595 |
| Core capital (leverage) ratio | 11.4617% | 2,094 |
| Tier 1 risk-based capital ratio | 21.4719% | 1,356 |
| Total risk-based capital ratio | 22.7228% | 1,325 |
| Memoranda: | ||
| Average total assets | $93,763,000 | 4,809 |
| Average earning assets | $85,607,250 | 4,798 |
| Average equity | $10,507,500 | 4,687 |
| Average total loans | $67,390,250 | 4,293 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,840 |
| Cost of funding earning assets | 0.1934% | 5,968 |
| Net interest margin | 4.3036% | 1,019 |
| Noninterest income to average assets | 0.4421% | 3,925 |
| Noninterest expense to average assets | 3.7284% | 1,082 |
| Loan and lease loss provision to assets | 0.1063% | 2,248 |
| Net operating income to assets | 0.2997% | 5,564 |
| Return on assets (ROA) | 0.2997% | 5,636 |
| Pretax return on assets | 0.5335% | 5,178 |
| Return on Equity (ROE) | 2.6890% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.6890% | 4,496 |
| Net charge-offs to loans | 0.3140% | 1,287 |
| Credit loss provision to net charge-offs | 47.1698% | 2,835 |
| Earnings coverage of net charge-offs (x) | 2.8396% | 3,452 |
| Efficiency ratio | 85.3528% | 1,336 |
| Assets per employee ($millions) | 3.2564% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 6,017 |
| Loan loss allowance to noncurrent loans | 65.1589% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.9643% | 1,636 |
| Noncurrent loans to loans | 1.2027% | 2,828 |
| Net loans and leases to total assets | 71.4579% | 1,829 |
| Net loans and leases to deposits | 80.7095% | 2,420 |
| Net loans and leases to core deposits | 84.6817% | 2,661 |
| Total domestic deposits to total assets | 88.5372% | 1,613 |
| Equity capital to assets | 11.2139% | 2,686 |
| Core capital (leverage) ratio | 11.2964% | 2,159 |
| Tier 1 risk-based capital ratio | 21.2144% | 1,405 |
| Total risk-based capital ratio | 22.2751% | 1,417 |
| Memoranda: | ||
| Average total assets | $94,089,670 | 4,824 |
| Average earning assets | $85,836,000 | 4,829 |
| Average equity | $10,487,000 | 4,704 |
| Average total loans | $67,520,670 | 4,311 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 1,649 |
| Cost of funding earning assets | 0.2008% | 5,990 |
| Net interest margin | 4.3474% | 900 |
| Noninterest income to average assets | 0.4344% | 3,912 |
| Noninterest expense to average assets | 3.7480% | 1,058 |
| Loan and lease loss provision to assets | 0.0554% | 3,007 |
| Net operating income to assets | 0.3450% | 5,330 |
| Return on assets (ROA) | 0.3450% | 5,392 |
| Pretax return on assets | 0.5963% | 4,843 |
| Return on Equity (ROE) | 3.1048% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.1048% | 4,258 |
| Net charge-offs to loans | 0.3924% | 930 |
| Credit loss provision to net charge-offs | 19.6970% | 2,503 |
| Earnings coverage of net charge-offs (x) | 2.3182% | 2,907 |
| Efficiency ratio | 85.1888% | 1,521 |
| Assets per employee ($millions) | 3.2672% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 6,117 |
| Loan loss allowance to noncurrent loans | 179.7980% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4385% | 2,465 |
| Noncurrent loans to loans | 0.4408% | 4,823 |
| Net loans and leases to total assets | 70.5414% | 1,792 |
| Net loans and leases to deposits | 79.4924% | 2,369 |
| Net loans and leases to core deposits | 83.3766% | 2,587 |
| Total domestic deposits to total assets | 88.7398% | 1,810 |
| Equity capital to assets | 11.0734% | 2,659 |
| Core capital (leverage) ratio | 11.1765% | 2,243 |
| Tier 1 risk-based capital ratio | 21.1731% | 1,442 |
| Total risk-based capital ratio | 22.2395% | 1,455 |
| Memoranda: | ||
| Average total assets | $93,916,500 | 4,877 |
| Average earning assets | $85,661,000 | 4,876 |
| Average equity | $10,435,500 | 4,742 |
| Average total loans | $67,273,500 | 4,348 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 2,540 |
| Cost of funding earning assets | 0.2622% | 5,894 |
| Net interest margin | 4.1499% | 1,499 |
| Noninterest income to average assets | 0.3823% | 4,575 |
| Noninterest expense to average assets | 3.6900% | 1,297 |
| Loan and lease loss provision to assets | 0.3207% | 1,027 |
| Net operating income to assets | 0.1603% | 5,920 |
| Return on assets (ROA) | 0.1603% | 5,987 |
| Pretax return on assets | 0.2368% | 5,872 |
| Return on Equity (ROE) | 1.4549% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.4549% | 5,165 |
| Net charge-offs to loans | 0.1577% | 3,224 |
| Credit loss provision to net charge-offs | 284.9057% | 797 |
| Earnings coverage of net charge-offs (x) | 4.9528% | 3,415 |
| Efficiency ratio | 86.8750% | 1,325 |
| Assets per employee ($millions) | 3.2098% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 5,997 |
| Loan loss allowance to noncurrent loans | 72.1130% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.9563% | 1,846 |
| Noncurrent loans to loans | 1.2118% | 3,119 |
| Net loans and leases to total assets | 71.5362% | 1,765 |
| Net loans and leases to deposits | 80.7470% | 2,354 |
| Net loans and leases to core deposits | 84.4565% | 2,627 |
| Total domestic deposits to total assets | 88.5930% | 1,858 |
| Equity capital to assets | 11.1503% | 2,474 |
| Core capital (leverage) ratio | 11.2856% | 2,134 |
| Tier 1 risk-based capital ratio | 18.5418% | 2,066 |
| Total risk-based capital ratio | 19.5763% | 2,097 |
| Memoranda: | ||
| Average total assets | $94,172,600 | 4,884 |
| Average earning assets | $87,712,800 | 4,837 |
| Average equity | $10,379,000 | 4,769 |
| Average total loans | $67,222,000 | 4,367 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 2,593 |
| Cost of funding earning assets | 0.2743% | 5,929 |
| Net interest margin | 4.1272% | 1,549 |
| Noninterest income to average assets | 0.4052% | 4,490 |
| Noninterest expense to average assets | 3.7086% | 1,231 |
| Loan and lease loss provision to assets | 0.4122% | 721 |
| Net operating income to assets | 0.1158% | 6,108 |
| Return on assets (ROA) | 0.1158% | 6,176 |
| Pretax return on assets | 0.1496% | 6,136 |
| Return on Equity (ROE) | 1.0534% | 6,170 |
| Retained earnings to average equity (ytd only) | 1.0534% | 5,550 |
| Net charge-offs to loans | 0.2102% | 2,568 |
| Credit loss provision to net charge-offs | 275.4717% | 925 |
| Earnings coverage of net charge-offs (x) | 3.7547% | 3,618 |
| Efficiency ratio | 86.8430% | 1,280 |
| Assets per employee ($millions) | 3.1461% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 6,166 |
| Loan loss allowance to noncurrent loans | 123.0277% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 2,269 |
| Noncurrent loans to loans | 0.6976% | 4,455 |
| Net loans and leases to total assets | 70.6194% | 1,849 |
| Net loans and leases to deposits | 79.5797% | 2,468 |
| Net loans and leases to core deposits | 83.3859% | 2,719 |
| Total domestic deposits to total assets | 88.7404% | 1,701 |
| Equity capital to assets | 10.9290% | 2,831 |
| Core capital (leverage) ratio | 11.0837% | 2,399 |
| Tier 1 risk-based capital ratio | 21.7824% | 1,357 |
| Total risk-based capital ratio | 21.7824% | 1,566 |
| Memoranda: | ||
| Average total assets | $94,445,000 | 4,924 |
| Average earning assets | $88,451,500 | 4,860 |
| Average equity | $10,379,000 | 4,818 |
| Average total loans | $67,233,750 | 4,403 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 2,666 |
| Cost of funding earning assets | 0.2893% | 5,909 |
| Net interest margin | 4.0839% | 1,586 |
| Noninterest income to average assets | 0.4128% | 4,425 |
| Noninterest expense to average assets | 3.7135% | 1,230 |
| Loan and lease loss provision to assets | 0.0635% | 3,745 |
| Net operating income to assets | 0.3239% | 5,505 |
| Return on assets (ROA) | 0.3239% | 5,663 |
| Pretax return on assets | 0.4615% | 5,491 |
| Return on Equity (ROE) | 2.9422% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.9422% | 4,438 |
| Net charge-offs to loans | 0.1636% | 2,805 |
| Credit loss provision to net charge-offs | 54.5455% | 3,129 |
| Earnings coverage of net charge-offs (x) | 4.5091% | 3,111 |
| Efficiency ratio | 87.6124% | 1,263 |
| Assets per employee ($millions) | 3.1338% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5518% | 6,664 |
| Loan loss allowance to noncurrent loans | 76.9392% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.6657% | 2,612 |
| Noncurrent loans to loans | 0.7172% | 4,493 |
| Net loans and leases to total assets | 70.3537% | 1,824 |
| Net loans and leases to deposits | 79.3662% | 2,419 |
| Net loans and leases to core deposits | 83.1757% | 2,673 |
| Total domestic deposits to total assets | 88.6444% | 1,813 |
| Equity capital to assets | 11.0684% | 2,690 |
| Core capital (leverage) ratio | 11.1929% | 2,177 |
| Tier 1 risk-based capital ratio | 22.0322% | 1,275 |
| Total risk-based capital ratio | 22.0322% | 1,516 |
| Memoranda: | ||
| Average total assets | $94,466,000 | 4,950 |
| Average earning assets | $88,493,000 | 4,885 |
| Average equity | $10,400,330 | 4,851 |
| Average total loans | $67,235,330 | 4,414 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 2,671 |
| Cost of funding earning assets | 0.3067% | 5,921 |
| Net interest margin | 4.0497% | 1,615 |
| Noninterest income to average assets | 0.4224% | 4,302 |
| Noninterest expense to average assets | 3.7385% | 1,189 |
| Loan and lease loss provision to assets | 0.0634% | 3,571 |
| Net operating income to assets | 0.3337% | 5,430 |
| Return on assets (ROA) | 0.3337% | 5,567 |
| Pretax return on assets | 0.4140% | 5,522 |
| Return on Equity (ROE) | 3.0392% | 5,574 |
| Retained earnings to average equity (ytd only) | 3.0392% | 4,457 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6774% | 1,258 |
| Assets per employee ($millions) | 3.2697% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 6,700 |
| Loan loss allowance to noncurrent loans | 52.7202% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.1409% | 2,195 |
| Noncurrent loans to loans | 1.1534% | 3,852 |
| Net loans and leases to total assets | 70.1588% | 1,632 |
| Net loans and leases to deposits | 79.0226% | 2,209 |
| Net loans and leases to core deposits | 82.8210% | 2,474 |
| Total domestic deposits to total assets | 88.7832% | 1,812 |
| Equity capital to assets | 10.9953% | 2,962 |
| Core capital (leverage) ratio | 11.0185% | 2,247 |
| Tier 1 risk-based capital ratio | 21.5569% | 1,415 |
| Total risk-based capital ratio | 21.0597% | 1,791 |
| Memoranda: | ||
| Average total assets | $94,691,500 | 4,986 |
| Average earning assets | $88,699,000 | 4,919 |
| Average equity | $10,397,500 | 4,905 |
| Average total loans | $67,598,000 | 4,439 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 3,215 |
| Cost of funding earning assets | 0.4789% | 5,361 |
| Net interest margin | 4.0693% | 2,123 |
| Noninterest income to average assets | 0.3127% | 5,217 |
| Noninterest expense to average assets | 3.4823% | 1,856 |
| Loan and lease loss provision to assets | 0.3261% | 2,090 |
| Net operating income to assets | 0.1259% | 5,957 |
| Return on assets (ROA) | 0.2364% | 5,872 |
| Pretax return on assets | 0.4294% | 5,483 |
| Return on Equity (ROE) | 2.2487% | 5,835 |
| Retained earnings to average equity (ytd only) | 2.2487% | 4,657 |
| Net charge-offs to loans | 0.3071% | 3,110 |
| Credit loss provision to net charge-offs | 145.6221% | 1,876 |
| Earnings coverage of net charge-offs (x) | 2.8802% | 3,996 |
| Efficiency ratio | 84.3711% | 1,581 |
| Assets per employee ($millions) | 2.9550% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5742% | 6,791 |
| Loan loss allowance to noncurrent loans | 31.0372% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4386% | 2,006 |
| Noncurrent loans to loans | 1.8502% | 2,859 |
| Net loans and leases to total assets | 71.7748% | 1,521 |
| Net loans and leases to deposits | 80.8749% | 2,163 |
| Net loans and leases to core deposits | 84.7678% | 2,457 |
| Total domestic deposits to total assets | 88.7480% | 1,734 |
| Equity capital to assets | 10.9654% | 2,993 |
| Core capital (leverage) ratio | 10.9654% | 2,287 |
| Tier 1 risk-based capital ratio | 21.1263% | 1,429 |
| Total risk-based capital ratio | 20.6353% | 1,812 |
| Memoranda: | ||
| Average total assets | $96,890,000 | 4,915 |
| Average earning assets | $90,825,800 | 4,846 |
| Average equity | $10,183,600 | 4,942 |
| Average total loans | $70,672,000 | 4,338 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 3,370 |
| Cost of funding earning assets | 0.5180% | 5,321 |
| Net interest margin | 4.0450% | 2,314 |
| Noninterest income to average assets | 0.3009% | 5,372 |
| Noninterest expense to average assets | 3.4375% | 1,906 |
| Loan and lease loss provision to assets | 0.3912% | 1,642 |
| Net operating income to assets | 0.0752% | 6,165 |
| Return on assets (ROA) | 0.0752% | 6,304 |
| Pretax return on assets | 0.2640% | 6,016 |
| Return on Equity (ROE) | 0.7234% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.7234% | 5,865 |
| Net charge-offs to loans | 0.3030% | 2,921 |
| Credit loss provision to net charge-offs | 176.5432% | 1,576 |
| Earnings coverage of net charge-offs (x) | 2.9568% | 3,843 |
| Efficiency ratio | 83.9906% | 1,589 |
| Assets per employee ($millions) | 3.1128% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 6,859 |
| Loan loss allowance to noncurrent loans | 64.3519% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 3,052 |
| Noncurrent loans to loans | 0.9418% | 4,555 |
| Net loans and leases to total assets | 70.8724% | 1,750 |
| Net loans and leases to deposits | 79.5869% | 2,461 |
| Net loans and leases to core deposits | 83.5735% | 2,747 |
| Total domestic deposits to total assets | 89.0503% | 1,399 |
| Equity capital to assets | 10.5662% | 3,770 |
| Core capital (leverage) ratio | 10.5662% | 2,841 |
| Tier 1 risk-based capital ratio | 20.6426% | 1,607 |
| Total risk-based capital ratio | 20.1547% | 2,002 |
| Memoranda: | ||
| Average total assets | $97,472,250 | 4,949 |
| Average earning assets | $91,369,000 | 4,872 |
| Average equity | $10,137,250 | 4,996 |
| Average total loans | $71,274,250 | 4,351 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 3,309 |
| Cost of funding earning assets | 0.5544% | 5,272 |
| Net interest margin | 4.0573% | 2,257 |
| Noninterest income to average assets | 0.3517% | 5,025 |
| Noninterest expense to average assets | 3.4213% | 1,977 |
| Loan and lease loss provision to assets | 0.4929% | 1,291 |
| Net operating income to assets | -0.0307% | 6,360 |
| Return on assets (ROA) | -0.0307% | 6,480 |
| Pretax return on assets | 0.2393% | 6,078 |
| Return on Equity (ROE) | -0.2965% | 6,482 |
| Retained earnings to average equity (ytd only) | -0.2965% | 6,088 |
| Net charge-offs to loans | 0.4328% | 2,309 |
| Credit loss provision to net charge-offs | 154.4872% | 1,793 |
| Earnings coverage of net charge-offs (x) | 2.2949% | 3,849 |
| Efficiency ratio | 82.3732% | 1,831 |
| Assets per employee ($millions) | 3.1551% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 6,991 |
| Loan loss allowance to noncurrent loans | 307.3171% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 3,612 |
| Noncurrent loans to loans | 0.1756% | 6,235 |
| Net loans and leases to total assets | 71.2293% | 1,690 |
| Net loans and leases to deposits | 79.7436% | 2,417 |
| Net loans and leases to core deposits | 84.7202% | 2,600 |
| Total domestic deposits to total assets | 89.3230% | 1,316 |
| Equity capital to assets | 10.3519% | 3,878 |
| Core capital (leverage) ratio | 10.3519% | 2,984 |
| Tier 1 risk-based capital ratio | 20.2116% | 1,659 |
| Total risk-based capital ratio | 19.7305% | 2,098 |
| Memoranda: | ||
| Average total assets | $97,797,670 | 4,958 |
| Average earning assets | $91,636,670 | 4,884 |
| Average equity | $10,117,670 | 5,003 |
| Average total loans | $72,097,000 | 4,346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 3,352 |
| Cost of funding earning assets | 0.5713% | 5,350 |
| Net interest margin | 4.0600% | 2,257 |
| Noninterest income to average assets | 0.3763% | 4,846 |
| Noninterest expense to average assets | 3.5626% | 1,643 |
| Loan and lease loss provision to assets | 0.5358% | 1,112 |
| Net operating income to assets | -0.2168% | 6,655 |
| Return on assets (ROA) | -0.2168% | 6,700 |
| Pretax return on assets | 0.0859% | 6,405 |
| Return on Equity (ROE) | -2.0961% | 6,693 |
| Retained earnings to average equity (ytd only) | -2.0961% | 6,291 |
| Net charge-offs to loans | 0.3392% | 2,299 |
| Credit loss provision to net charge-offs | 211.2903% | 1,289 |
| Earnings coverage of net charge-offs (x) | 2.4516% | 3,199 |
| Efficiency ratio | 85.1417% | 1,568 |
| Assets per employee ($millions) | 2.9893% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 7,065 |
| Loan loss allowance to noncurrent loans | 87.4396% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3168% | 3,925 |
| Noncurrent loans to loans | 0.5719% | 5,522 |
| Net loans and leases to total assets | 73.0119% | 1,224 |
| Net loans and leases to deposits | 81.5923% | 1,987 |
| Net loans and leases to core deposits | 86.6131% | 2,216 |
| Total domestic deposits to total assets | 89.4837% | 1,380 |
| Equity capital to assets | 10.2253% | 3,819 |
| Core capital (leverage) ratio | 10.2253% | 3,077 |
| Tier 1 risk-based capital ratio | 15.2919% | 3,562 |
| Total risk-based capital ratio | 14.9265% | 4,682 |
| Memoranda: | ||
| Average total assets | $97,792,500 | 4,991 |
| Average earning assets | $91,724,500 | 4,918 |
| Average equity | $10,114,000 | 5,009 |
| Average total loans | $73,122,500 | 4,343 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 3,274 |
| Cost of funding earning assets | 0.8971% | 4,141 |
| Net interest margin | 4.0210% | 2,781 |
| Noninterest income to average assets | 0.3789% | 4,796 |
| Noninterest expense to average assets | 3.4391% | 2,141 |
| Loan and lease loss provision to assets | 0.1956% | 4,229 |
| Net operating income to assets | 0.2970% | 5,271 |
| Return on assets (ROA) | 0.2970% | 5,424 |
| Pretax return on assets | 0.5039% | 4,981 |
| Return on Equity (ROE) | 2.8991% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.8991% | 4,180 |
| Net charge-offs to loans | 0.1262% | 5,133 |
| Credit loss provision to net charge-offs | 201.0526% | 1,235 |
| Earnings coverage of net charge-offs (x) | 7.1895% | 2,381 |
| Efficiency ratio | 83.0982% | 1,874 |
| Assets per employee ($millions) | 3.1270% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3371% | 7,201 |
| Loan loss allowance to noncurrent loans | 29.6429% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 1.8393% | 3,199 |
| Noncurrent loans to loans | 1.1373% | 4,460 |
| Net loans and leases to total assets | 75.9351% | 960 |
| Net loans and leases to deposits | 85.1879% | 1,777 |
| Net loans and leases to core deposits | 90.5323% | 2,047 |
| Total domestic deposits to total assets | 89.1384% | 1,454 |
| Equity capital to assets | 10.4613% | 3,578 |
| Core capital (leverage) ratio | 10.4613% | 2,772 |
| Tier 1 risk-based capital ratio | 19.6649% | 1,708 |
| Total risk-based capital ratio | 19.6804% | 2,033 |
| Memoranda: | ||
| Average total assets | $97,640,800 | 4,962 |
| Average earning assets | $91,296,000 | 4,880 |
| Average equity | $10,003,200 | 5,021 |
| Average total loans | $75,257,800 | 4,302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 3,360 |
| Cost of funding earning assets | 0.9641% | 3,936 |
| Net interest margin | 3.9804% | 3,005 |
| Noninterest income to average assets | 0.3789% | 4,822 |
| Noninterest expense to average assets | 3.4526% | 2,068 |
| Loan and lease loss provision to assets | 0.1295% | 4,813 |
| Net operating income to assets | 0.3326% | 5,279 |
| Return on assets (ROA) | 0.3326% | 5,449 |
| Pretax return on assets | 0.5166% | 5,110 |
| Return on Equity (ROE) | 3.2635% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.2635% | 4,394 |
| Net charge-offs to loans | -0.0053% | 6,720 |
| Credit loss provision to net charge-offs | -3,166.6667% | 6,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2368% | 1,709 |
| Assets per employee ($millions) | 3.1169% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3372% | 7,269 |
| Loan loss allowance to noncurrent loans | 49.9006% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 3,754 |
| Noncurrent loans to loans | 0.6757% | 5,533 |
| Net loans and leases to total assets | 76.7811% | 871 |
| Net loans and leases to deposits | 87.1530% | 1,537 |
| Net loans and leases to core deposits | 92.6922% | 1,916 |
| Total domestic deposits to total assets | 88.0992% | 1,987 |
| Equity capital to assets | 10.4467% | 3,772 |
| Core capital (leverage) ratio | 10.4467% | 2,936 |
| Tier 1 risk-based capital ratio | 19.5450% | 1,802 |
| Total risk-based capital ratio | 19.5643% | 2,110 |
| Memoranda: | ||
| Average total assets | $97,816,500 | 4,983 |
| Average earning assets | $91,412,000 | 4,914 |
| Average equity | $9,968,750 | 5,038 |
| Average total loans | $75,607,500 | 4,330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 3,388 |
| Cost of funding earning assets | 1.0219% | 3,803 |
| Net interest margin | 3.9309% | 3,168 |
| Noninterest income to average assets | 0.3727% | 4,889 |
| Noninterest expense to average assets | 3.4068% | 2,235 |
| Loan and lease loss provision to assets | 0.1324% | 4,644 |
| Net operating income to assets | 0.3156% | 5,306 |
| Return on assets (ROA) | 0.3156% | 5,446 |
| Pretax return on assets | 0.5071% | 5,046 |
| Return on Equity (ROE) | 3.1228% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.1228% | 4,289 |
| Net charge-offs to loans | 0.0053% | 5,803 |
| Credit loss provision to net charge-offs | 3,250.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 228 |
| Efficiency ratio | 84.1973% | 1,795 |
| Assets per employee ($millions) | 3.1485% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3106% | 7,341 |
| Loan loss allowance to noncurrent loans | 48.9496% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 4,185 |
| Noncurrent loans to loans | 0.6345% | 5,658 |
| Net loans and leases to total assets | 76.6167% | 978 |
| Net loans and leases to deposits | 88.2559% | 1,465 |
| Net loans and leases to core deposits | 94.2004% | 1,873 |
| Total domestic deposits to total assets | 86.8120% | 2,849 |
| Equity capital to assets | 10.2506% | 3,816 |
| Core capital (leverage) ratio | 10.2506% | 2,975 |
| Tier 1 risk-based capital ratio | 19.2456% | 1,768 |
| Total risk-based capital ratio | 19.2302% | 2,132 |
| Memoranda: | ||
| Average total assets | $98,214,000 | 5,016 |
| Average earning assets | $91,786,670 | 4,943 |
| Average equity | $9,927,000 | 5,065 |
| Average total loans | $75,996,670 | 4,346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,307 |
| Cost of funding earning assets | 1.0649% | 3,749 |
| Net interest margin | 3.8900% | 3,192 |
| Noninterest income to average assets | 0.3817% | 4,860 |
| Noninterest expense to average assets | 3.3618% | 2,381 |
| Loan and lease loss provision to assets | 0.1421% | 4,234 |
| Net operating income to assets | 0.3126% | 5,345 |
| Return on assets (ROA) | 0.3126% | 5,416 |
| Pretax return on assets | 0.5116% | 4,989 |
| Return on Equity (ROE) | 3.1149% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.1149% | 4,300 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7209% | 1,988 |
| Assets per employee ($millions) | 3.2203% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2684% | 7,419 |
| Loan loss allowance to noncurrent loans | 39.9217% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4014% | 4,182 |
| Noncurrent loans to loans | 0.6723% | 5,685 |
| Net loans and leases to total assets | 75.9321% | 1,038 |
| Net loans and leases to deposits | 87.0378% | 1,590 |
| Net loans and leases to core deposits | 93.2226% | 1,984 |
| Total domestic deposits to total assets | 87.2403% | 2,801 |
| Equity capital to assets | 9.9429% | 3,848 |
| Core capital (leverage) ratio | 9.9429% | 3,209 |
| Tier 1 risk-based capital ratio | 18.7216% | 1,890 |
| Total risk-based capital ratio | 18.6518% | 2,307 |
| Memoranda: | ||
| Average total assets | $98,519,000 | 5,039 |
| Average earning assets | $92,031,000 | 4,972 |
| Average equity | $9,888,000 | 5,069 |
| Average total loans | $76,488,000 | 4,373 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3469% | 2,909 |
| Cost of funding earning assets | 1.3305% | 3,688 |
| Net interest margin | 4.0164% | 2,952 |
| Noninterest income to average assets | 0.3980% | 4,923 |
| Noninterest expense to average assets | 3.5146% | 2,133 |
| Loan and lease loss provision to assets | 0.1556% | 5,649 |
| Net operating income to assets | 0.2742% | 5,024 |
| Return on assets (ROA) | 0.2668% | 5,212 |
| Pretax return on assets | 0.4457% | 4,808 |
| Return on Equity (ROE) | 2.6021% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.6021% | 4,042 |
| Net charge-offs to loans | 0.0400% | 6,407 |
| Credit loss provision to net charge-offs | 474.1935% | 483 |
| Earnings coverage of net charge-offs (x) | 18.6774% | 1,096 |
| Efficiency ratio | 85.1500% | 1,787 |
| Assets per employee ($millions) | 3.0378% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3456% | 7,458 |
| Loan loss allowance to noncurrent loans | 105.1383% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 4,532 |
| Noncurrent loans to loans | 0.3287% | 6,395 |
| Net loans and leases to total assets | 78.9061% | 814 |
| Net loans and leases to deposits | 90.8125% | 1,420 |
| Net loans and leases to core deposits | 95.7280% | 2,044 |
| Total domestic deposits to total assets | 86.8889% | 2,883 |
| Equity capital to assets | 10.1329% | 3,581 |
| Core capital (leverage) ratio | 10.1329% | 2,946 |
| Tier 1 risk-based capital ratio | 18.4942% | 1,846 |
| Total risk-based capital ratio | 18.5411% | 2,201 |
| Memoranda: | ||
| Average total assets | $94,463,000 | 5,145 |
| Average earning assets | $87,714,400 | 5,087 |
| Average equity | $9,684,400 | 5,213 |
| Average total loans | $77,477,200 | 4,406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 2,871 |
| Cost of funding earning assets | 1.3792% | 3,712 |
| Net interest margin | 4.0228% | 2,997 |
| Noninterest income to average assets | 0.4052% | 4,917 |
| Noninterest expense to average assets | 3.5587% | 1,883 |
| Loan and lease loss provision to assets | 0.1848% | 5,195 |
| Net operating income to assets | 0.2204% | 5,445 |
| Return on assets (ROA) | 0.2104% | 5,643 |
| Pretax return on assets | 0.3782% | 5,290 |
| Return on Equity (ROE) | 2.0464% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.0464% | 4,933 |
| Net charge-offs to loans | 0.0223% | 6,359 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 31.3128% | 852 |
| Efficiency ratio | 86.0137% | 1,630 |
| Assets per employee ($millions) | 2.8587% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3421% | 7,570 |
| Loan loss allowance to noncurrent loans | 249.5327% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1300% | 4,859 |
| Noncurrent loans to loans | 0.1371% | 6,904 |
| Net loans and leases to total assets | 82.4523% | 446 |
| Net loans and leases to deposits | 95.2534% | 1,076 |
| Net loans and leases to core deposits | 100.9068% | 1,757 |
| Total domestic deposits to total assets | 86.5609% | 2,781 |
| Equity capital to assets | 10.3300% | 3,727 |
| Core capital (leverage) ratio | 10.3300% | 2,880 |
| Tier 1 risk-based capital ratio | 18.2689% | 1,945 |
| Total risk-based capital ratio | 18.3176% | 2,278 |
| Memoranda: | ||
| Average total assets | $93,776,750 | 5,223 |
| Average earning assets | $87,002,000 | 5,176 |
| Average equity | $9,643,000 | 5,305 |
| Average total loans | $77,604,250 | 4,481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 3,029 |
| Cost of funding earning assets | 1.4290% | 3,675 |
| Net interest margin | 3.9574% | 3,215 |
| Noninterest income to average assets | 0.3996% | 4,921 |
| Noninterest expense to average assets | 3.5987% | 1,783 |
| Loan and lease loss provision to assets | 0.2458% | 4,472 |
| Net operating income to assets | 0.0855% | 5,907 |
| Return on assets (ROA) | 0.0855% | 6,010 |
| Pretax return on assets | 0.2244% | 5,717 |
| Return on Equity (ROE) | 0.8326% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.8326% | 5,436 |
| Net charge-offs to loans | 0.0336% | 5,880 |
| Credit loss provision to net charge-offs | 884.6154% | 424 |
| Earnings coverage of net charge-offs (x) | 16.9231% | 1,380 |
| Efficiency ratio | 88.4454% | 1,465 |
| Assets per employee ($millions) | 2.8420% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3222% | 7,652 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.4757% | 4,248 |
| Noncurrent loans to loans | 0.3759% | 6,488 |
| Net loans and leases to total assets | 83.1192% | 424 |
| Net loans and leases to deposits | 97.1172% | 948 |
| Net loans and leases to core deposits | 97.1172% | 2,319 |
| Total domestic deposits to total assets | 85.5865% | 3,323 |
| Equity capital to assets | 10.2754% | 3,679 |
| Core capital (leverage) ratio | 10.2754% | 2,861 |
| Tier 1 risk-based capital ratio | 18.1184% | 1,933 |
| Total risk-based capital ratio | 18.1391% | 2,279 |
| Memoranda: | ||
| Average total assets | $93,590,000 | 5,265 |
| Average earning assets | $86,774,000 | 5,214 |
| Average equity | $9,609,000 | 5,313 |
| Average total loans | $77,455,670 | 4,527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 3,104 |
| Cost of funding earning assets | 1.4550% | 3,835 |
| Net interest margin | 3.9309% | 3,194 |
| Noninterest income to average assets | 0.3936% | 4,963 |
| Noninterest expense to average assets | 3.6752% | 1,558 |
| Loan and lease loss provision to assets | 0.4278% | 2,820 |
| Net operating income to assets | -0.1711% | 6,508 |
| Return on assets (ROA) | -0.1711% | 6,584 |
| Pretax return on assets | -0.0685% | 6,425 |
| Return on Equity (ROE) | -1.6675% | 6,598 |
| Retained earnings to average equity (ytd only) | -1.6675% | 6,150 |
| Net charge-offs to loans | 0.0363% | 5,073 |
| Credit loss provision to net charge-offs | 1,428.5714% | 350 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,600 |
| Efficiency ratio | 91.0923% | 1,345 |
| Assets per employee ($millions) | 2.8553% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3163% | 7,746 |
| Loan loss allowance to noncurrent loans | 467.3077% | 686 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 4,748 |
| Noncurrent loans to loans | 0.0677% | 7,228 |
| Net loans and leases to total assets | 81.2776% | 676 |
| Net loans and leases to deposits | 94.7200% | 1,264 |
| Net loans and leases to core deposits | 99.9413% | 2,137 |
| Total domestic deposits to total assets | 85.8083% | 3,257 |
| Equity capital to assets | 10.1418% | 3,681 |
| Core capital (leverage) ratio | 10.1418% | 2,991 |
| Tier 1 risk-based capital ratio | 18.3156% | 1,867 |
| Total risk-based capital ratio | 18.3195% | 2,197 |
| Memoranda: | ||
| Average total assets | $93,491,500 | 5,336 |
| Average earning assets | $86,597,000 | 5,286 |
| Average equity | $9,595,000 | 5,347 |
| Average total loans | $77,080,000 | 4,601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8853% | 2,298 |
| Cost of funding earning assets | 1.8582% | 3,688 |
| Net interest margin | 4.0271% | 2,755 |
| Noninterest income to average assets | 0.4298% | 4,963 |
| Noninterest expense to average assets | 3.6827% | 1,946 |
| Loan and lease loss provision to assets | 0.1374% | 6,270 |
| Net operating income to assets | 0.2122% | 4,864 |
| Return on assets (ROA) | 0.2122% | 4,923 |
| Pretax return on assets | 0.3001% | 4,759 |
| Return on Equity (ROE) | 2.0250% | 4,892 |
| Retained earnings to average equity (ytd only) | 2.0250% | 3,691 |
| Net charge-offs to loans | 0.0115% | 7,067 |
| Credit loss provision to net charge-offs | 1,388.8889% | 215 |
| Earnings coverage of net charge-offs (x) | 44.2222% | 567 |
| Efficiency ratio | 89.3810% | 1,757 |
| Assets per employee ($millions) | 2.8987% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3543% | 7,790 |
| Loan loss allowance to noncurrent loans | 75.9003% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 4,233 |
| Noncurrent loans to loans | 0.4668% | 6,326 |
| Net loans and leases to total assets | 83.0755% | 534 |
| Net loans and leases to deposits | 97.2489% | 1,184 |
| Net loans and leases to core deposits | 135.4306% | 981 |
| Total domestic deposits to total assets | 85.4257% | 3,337 |
| Equity capital to assets | 10.3861% | 3,301 |
| Core capital (leverage) ratio | 10.3861% | 2,700 |
| Tier 1 risk-based capital ratio | 18.2864% | 1,820 |
| Total risk-based capital ratio | 18.8065% | 1,973 |
| Memoranda: | ||
| Average total assets | $90,965,600 | 5,363 |
| Average earning assets | $83,359,800 | 5,348 |
| Average equity | $9,531,000 | 5,438 |
| Average total loans | $78,137,000 | 4,579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0130% | 1,980 |
| Cost of funding earning assets | 1.9420% | 3,655 |
| Net interest margin | 4.0710% | 2,508 |
| Noninterest income to average assets | 0.4389% | 4,966 |
| Noninterest expense to average assets | 3.7119% | 1,791 |
| Loan and lease loss provision to assets | 0.1620% | 5,732 |
| Net operating income to assets | 0.2062% | 5,130 |
| Return on assets (ROA) | 0.2062% | 5,217 |
| Pretax return on assets | 0.2858% | 5,103 |
| Return on Equity (ROE) | 1.9638% | 5,172 |
| Retained earnings to average equity (ytd only) | 1.9638% | 4,229 |
| Net charge-offs to loans | 0.0085% | 6,838 |
| Credit loss provision to net charge-offs | 2,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 60.7676% | 543 |
| Efficiency ratio | 89.2351% | 1,761 |
| Assets per employee ($millions) | 2.8461% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3302% | 7,885 |
| Loan loss allowance to noncurrent loans | 32.6196% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 3,969 |
| Noncurrent loans to loans | 1.0124% | 5,282 |
| Net loans and leases to total assets | 85.8326% | 356 |
| Net loans and leases to deposits | 100.7397% | 1,039 |
| Net loans and leases to core deposits | 139.5181% | 937 |
| Total domestic deposits to total assets | 85.2023% | 3,125 |
| Equity capital to assets | 10.5199% | 3,488 |
| Core capital (leverage) ratio | 10.5199% | 2,777 |
| Tier 1 risk-based capital ratio | 18.4548% | 1,874 |
| Total risk-based capital ratio | 18.9537% | 2,018 |
| Memoranda: | ||
| Average total assets | $90,517,250 | 5,412 |
| Average earning assets | $82,729,250 | 5,404 |
| Average equity | $9,505,250 | 5,486 |
| Average total loans | $78,337,750 | 4,612 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1663% | 1,570 |
| Cost of funding earning assets | 2.0416% | 3,566 |
| Net interest margin | 4.1246% | 2,242 |
| Noninterest income to average assets | 0.4384% | 4,949 |
| Noninterest expense to average assets | 3.7639% | 1,716 |
| Loan and lease loss provision to assets | 0.2103% | 4,940 |
| Net operating income to assets | 0.0930% | 5,586 |
| Return on assets (ROA) | 0.0930% | 5,682 |
| Pretax return on assets | 0.2126% | 5,431 |
| Return on Equity (ROE) | 0.8861% | 5,664 |
| Retained earnings to average equity (ytd only) | 0.8861% | 4,825 |
| Net charge-offs to loans | -0.0051% | 7,529 |
| Credit loss provision to net charge-offs | -4,750.0000% | 7,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8995% | 1,826 |
| Assets per employee ($millions) | 2.8080% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3229% | 7,972 |
| Loan loss allowance to noncurrent loans | 26.9603% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 3,478 |
| Noncurrent loans to loans | 1.1977% | 4,820 |
| Net loans and leases to total assets | 86.2291% | 359 |
| Net loans and leases to deposits | 101.3287% | 1,137 |
| Net loans and leases to core deposits | 138.6827% | 1,070 |
| Total domestic deposits to total assets | 85.0984% | 3,217 |
| Equity capital to assets | 10.5524% | 3,339 |
| Core capital (leverage) ratio | 10.5524% | 2,764 |
| Tier 1 risk-based capital ratio | 18.3678% | 1,907 |
| Total risk-based capital ratio | 18.8540% | 2,067 |
| Memoranda: | ||
| Average total assets | $90,331,330 | 5,447 |
| Average earning assets | $82,092,000 | 5,461 |
| Average equity | $9,480,000 | 5,522 |
| Average total loans | $78,306,670 | 4,640 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3478% | 1,181 |
| Cost of funding earning assets | 2.1761% | 3,286 |
| Net interest margin | 4.1717% | 2,005 |
| Noninterest income to average assets | 0.4505% | 4,762 |
| Noninterest expense to average assets | 3.7187% | 1,615 |
| Loan and lease loss provision to assets | 0.0221% | 6,622 |
| Net operating income to assets | 0.3401% | 5,114 |
| Return on assets (ROA) | 0.3401% | 5,296 |
| Pretax return on assets | 0.4858% | 5,120 |
| Return on Equity (ROE) | 3.2493% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.2493% | 4,066 |
| Net charge-offs to loans | -0.0407% | 7,644 |
| Credit loss provision to net charge-offs | -62.5000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9833% | 1,900 |
| Assets per employee ($millions) | 2.7519% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3531% | 7,995 |
| Loan loss allowance to noncurrent loans | 67.7262% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 3,963 |
| Noncurrent loans to loans | 0.5214% | 6,122 |
| Net loans and leases to total assets | 86.0737% | 433 |
| Net loans and leases to deposits | 102.2432% | 1,153 |
| Net loans and leases to core deposits | 142.2071% | 1,004 |
| Total domestic deposits to total assets | 84.1853% | 3,611 |
| Equity capital to assets | 10.4797% | 3,482 |
| Core capital (leverage) ratio | 10.4797% | 2,952 |
| Tier 1 risk-based capital ratio | 18.2339% | 1,993 |
| Total risk-based capital ratio | 18.7646% | 2,126 |
| Memoranda: | ||
| Average total assets | $90,569,000 | 5,466 |
| Average earning assets | $81,981,000 | 5,487 |
| Average equity | $9,479,000 | 5,544 |
| Average total loans | $78,593,500 | 4,660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6765% | 2,121 |
| Cost of funding earning assets | 2.7797% | 2,788 |
| Net interest margin | 3.8968% | 3,578 |
| Noninterest income to average assets | 0.4519% | 5,023 |
| Noninterest expense to average assets | 3.5203% | 2,342 |
| Loan and lease loss provision to assets | 0.0487% | 6,804 |
| Net operating income to assets | 0.2902% | 5,573 |
| Return on assets (ROA) | 0.2902% | 5,384 |
| Pretax return on assets | 0.4187% | 5,208 |
| Return on Equity (ROE) | 2.8189% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.8189% | 3,423 |
| Net charge-offs to loans | 0.0803% | 5,618 |
| Credit loss provision to net charge-offs | 69.8413% | 6,076 |
| Earnings coverage of net charge-offs (x) | 6.6984% | 3,298 |
| Efficiency ratio | 88.2778% | 1,659 |
| Assets per employee ($millions) | 2.7371% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3784% | 8,011 |
| Loan loss allowance to noncurrent loans | 68.8222% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 4,123 |
| Noncurrent loans to loans | 0.5499% | 5,717 |
| Net loans and leases to total assets | 86.8485% | 488 |
| Net loans and leases to deposits | 103.8319% | 1,359 |
| Net loans and leases to core deposits | 146.9751% | 981 |
| Total domestic deposits to total assets | 83.6433% | 3,507 |
| Equity capital to assets | 10.4524% | 3,556 |
| Core capital (leverage) ratio | 10.4524% | 3,017 |
| Tier 1 risk-based capital ratio | 18.0734% | 2,020 |
| Total risk-based capital ratio | 18.6439% | 2,152 |
| Memoranda: | ||
| Average total assets | $90,275,800 | 5,345 |
| Average earning assets | $81,914,000 | 5,378 |
| Average equity | $9,294,400 | 5,635 |
| Average total loans | $78,500,400 | 4,569 |